#then you get past the first test case (basic test or w/e) and move on to more comprehensive ones. then once a given function passes all its

[virmillion]

tag rants

[sisterspooky1013]

Damsels, Chapter Three: Interview

By SisterSpooky1013 / Read Previous Chapters Here

Rated E / Tagging @today-in-fic

The Hoover building is deserted at 4am, which is exactly why she has to be there so early. She arrives at Skinner’s office with nothing but her car keys and the casual clothing on her back. Agent Wiley, a young woman in her twenties, greets Scully warmly. She’s tall and brunette with an hourglass figure, and Scully has the passing thought that she is exactly Mulder’s type. She wonders if they’ve ever met.

“I’ll drive you to your apartment in Philly where you’ll stay for the duration of the undercover assignment, Agent Scully,” Wiley says in an authoritative though very high pitched voice. “We’ll leave your car in the bureau garage for the duration, but you can give A.D. Skinner your keys for safekeeping.”

Scully hands Skinner her keys and he sets them on top of his desk, rubbing his hands over a weary and sleep-rumpled face.

“I’ll fill you in on the case details on the way. Let’s hit the road, we’ve got a two and a half hour drive ahead of us,” she finishes, slinging her purse over her shoulder and making for the door.

Scully follows her mutely. Just as she reaches the door herself, Skinner speaks.

“Agent Scully?” he asks in a hoarse voice. She turns to face him. “I…I…” He keeps restarting his sentence, but never gets further than that.

Scully finally interjects. “It’s okay, sir. I understand. We all have a job to do.”

He nods at her with a grateful expression, and she follows Agent Wiley out to the parking garage.

The sun is just beginning to brighten the inky sky as they drive out of D.C. Agent Wiley is chatty behind the wheel as Scully leafs through the case file; once they get to Philly, she won’t have the opportunity to see it again. The only trace of Dana Scully in her apartment will be a burner cell phone, which she is to keep off and hidden in an air duct in the wall. She will call Agent Wiley at least every other day, or as needed, to share any updates. She is to turn the phone on only when she’s sure no one else is in the apartment with her. She is expected to get as close as possible to the other dancers at the club, one of whom they believe to be Mila Chamberlain. In the file, there’s a photo of Mila, a young Asian woman with a short blonde pixie cut and penetrating dark brown eyes. There is also her parents’ account of her disappearance shortly after meeting Ricky at a party, and their fears that’s she’s a victim of sex trafficking.

“Your cover is Diane Sellers, recently divorced and needing work,” Agent Wiley explains. “To our understanding, they won’t ask you much about your history, but it’s still good to have a backstory ready. It can be helpful to use real details from your life in regards to things like siblings, parents, and past romantic partners, just because it’s easier to keep straight. We don’t recommend addiction being a part of your backstory, in case that affects Ricky’s willingness to trust you. You should immerse yourself as much as possible with the staff, including spending time with them outside work if you can. You can have them over to your apartment, which is why it’s important that there’s nothing there that isn’t part of Diane’s story. It’s fully furnished with everything from tampons to Rice a Roni, but we’ve also set up a bank account and a debit card in case you need to buy anything. Once you identify Mila, call me. You should try to get as close to her as possible, and ultimately the goal is to confirm that she’s being held against her will. Then we’ll raid the club and get you both out of there. What questions do you have?”

Scully stares out the window at the cars rushing by. The pink sunrise illuminating the clouds on the horizon makes the sky look pinstriped.

���Why weren’t you asked to go undercover, if this is your case? You’re young, you’re very pretty. So I guess my question is why not you?” She recognizes the irritation in her voice, but she can’t help herself.

Agent Wiley glances over at her and back to the road a few times. “I can understand why you’d ask that. And I also realize that I haven’t thanked you for taking this assignment. It was a hard one to staff.”

Scully scoffs and turns to face the other woman. “I wasn’t given a choice, Agent Wiley.”

“Right. Sorry. Um, the reason I couldn’t take this assignment is that I have an ostomy bag, as a result of a pretty severe case of Crohn’s. I doubt anyone wants to see a stripper with a bag of poop strapped to her belly dancing around on stage.”

Scully closes her eyes against the shame that wells in her gut. “I’m sorry, Agent Wiley. That was rude of me to ask.”

“Don’t worry about it, Agent Scully. Honestly, I’d take my ostomy bag over this assignment any day. I don’t envy you.”

Scully turns back to the window, spinning up the life story of Diane Sellers as they drive on through the early morning light and towards her uncertain future.

Agent Wiley drops her off around the corner from her apartment with nothing but a set of keys and verbal instructions for where she can locate the burner phone. Her interview is today at 2, and the address of the club and interview information are on a slip of paper on the kitchen counter. They bid one another an awkward goodbye, and Scully goes in search of her home for the next several weeks.

The apartment is small, a studio, and fully furnished. She can tell that Agent Wiley herself took care of decorating it; youthful touches like a sequined throw pillow and a magnet on the fridge with “Diane” printed on a tiny license plate give it a dorm-like feel. Many of the items appeared to have been thrifted, which will be important to keeping up her ruse of being a woman in a tight spot financially. She locates the air duct and the burner phone, turning it on to be sure it works before securing it back in its hiding place. She pokes around the various cabinets and cupboards to find all kinds of dried goods and snacks, and is surprised by the 6 pack of beer in the fridge and the bottle of vodka in the freezer. The closet is full of clothing in her size, some of it basic jeans and tees, some of it tube tops and daisy duke shorts that she would never wear. Well, Scully would never wear them, but she suspects Diane would. The slip of paper on the counter reads:

Damsels in Dominance

1634 W York St, Philly

Ricky Dean, 2pm

She makes a face at the name and her stomach turns at the thought that this might be some kind of S&M club. It's just after 9am, so she has quite a bit of time to kill before her interview. She doesn’t think she’ll be able to sleep, so instead she takes a thorough inventory of all the cabinets and closets to see if anything important is missing. In the bathroom, she opens the medicine cabinet to find a full Oil of Olay skin care line right next to a box of condoms. What the hell does Agent Wiley think she has planned for this assignment? Her confusion deepens when she pulls open the drawer of the bedside table and is greeted by a book light as well as a small bullet vibrator. Either Agent Wiley went to very great lengths to make sure this apartment would pass the sniff test for anyone who decided to snoop, or….she doesn’t even know what the other possibility is. Adding some paperback novels to her mental shopping list, she slams the drawer shut and flops down on the bed. Mulder is at work by now, and she wonders how long Skinner will be able to keep up the ruse. Knowing Mulder, not all that long.

Mulder arrives at work just past 8, noting that Scully’s car is parked in her typical spot in the garage; she must have needed to stop by before heading to Quantico. He’s a little bit disappointed that she’ll be away for the next few weeks; the basement office is exceedingly boring without her. At the same time, he’s grateful for a bit of space to think.

The tension between them had reached a tipping point but now sits suspended, teetering between coworkers and friends or whatever lay on the other side. He’s made some attempts at pushing things towards the “more than friends” end of the spectrum, but nothing seems to come of it. He kissed her, and while she kissed him back and seemed receptive to it, she hasn’t initiated anything further. The night they played baseball together was fun and flirtatious, but again nothing happened. He’s getting the sense that any move will need to be made by him. Maybe Scully just isn’t the forward type in these situations, or maybe she isn’t confident enough that he’ll reciprocate. This time that she’s working away from the office might be the perfect opportunity to take her out on a real date, knowing that if things get weird they won’t have to face each other in the morning.

Entering the office, he doesn’t find her there; they must have just missed each other. He logs into his email and opens a new message.

Hey G-woman,

What time can you get away for lunch today? I was thinking about checking out that new sushi place on 8th. Or we can meet halfway, whatever works.

Would you like to get dinner sometime this week? My treat. Let me know.

Mulder

He hits send, then digs in to some more case reports that he needs to complete. He has a vision of Scully returning to find them completely caught up on paperwork and how pleased she’d be with him, and decides then and there to make it a reality. While he’s not generally an approval-seeking kind of guy, the surprised smile on Scully’s face when he does something uncharacteristically responsible is one of his favorites. The number one spot will always, of course, be held by the smile she gives him when he says or does something that truly strikes her as funny. He finds it hard to keep from smiling just thinking about it.

Two hours later, there’s no response from Scully. That’s a little bit weird, but not exceedingly so; if she’s working on a particularly gnarly autopsy it can take quite a while. When he still hasn’t gotten a response by noon, he first checks his sent email to be sure it went out, then picks up his office phone.

“Autopsy bay, this is Richard.”

“Hey, Rich, this is Agent Mulder up at the Hoover Building.”

“Hi, Agent Mulder, how can I help you?”

“Is Agent Scully around? I was hoping to talk to her.”

“No, I haven’t seen her.”

“Not at all today?”

“No, I haven’t seen her in a few weeks, actually.”

A flush of worry spreads across his chest.

“Hey, Rich, are you guys pretty busy down there? I hear you have a big case you’re working on.”

“Busy? Uh, no, not really. Just business as usual.”

“Okay, thanks. If you see Agent Scully, will you ask her to call me?”

“Sure, will do, Agent Mulder.”

“I appreciate it, bye.”

He sets the phone down and sits back in his chair. Did Scully lie to him? And if so, why? Her car is here, so he knows she came in today. Picking up the phone again he tries her cell, which goes straight to voicemail. The darkest part of his brain worries that she came to the office but never made it to Quantico. He makes one final phone call.

“Skinner.”

“Hi, sir, this is Agent Mulder.”

“How can I help you, Agent Mulder?”

“Have you heard from Agent Scully today? I’m having a hard time getting in touch with her.”

“She’s assigned to work at Quantico for the next few weeks, Agent Mulder, she wasn’t expected to report to the Hoover Building today.”

“I know, sir, but her car was in the garage when I got here and I just called over to Quantico and they haven’t seen her today. I’m a little worried.”

He hears Skinner mutter what sounds like “Jesus H Christ” under his breath before he speaks again. “Agent Scully is fine, Agent Mulder. She’s on assignment. I encourage you to focus on your own assignment.”

Mulder hesitates. “Should I take that to mean that she’s NOT assigned to Quantico?”

Skinner sighs. “All you need to know is that she is fine, but unreachable. You worry about yourself and let me worry about Agent Scully, got it?”

“Um, okay. Thank you, sir.”

He hangs up the phone even more confused than before. Scully’s behavior yesterday after she returned from Skinner’s office makes a little more sense; she was uncomfortable about lying to him. When he leaves the office that night, her car is in the same spot it had been that morning. He doesn’t like this, but he knows Scully was in the same situation when he was on an undercover assignment and he should just trust her, and Skinner, and wait it out. That’s easier said than done, and he spends his entire evening imagining all the dangerous situations she might be immersed in. Drug cartels, amateur mafias, cults, hackers, the list goes on and on. He can only hope that she’s safe.

Damsels in Dominance is an unassuming building nestled between strip malls and fast food restaurants. The parking lot and entrance are at the back of the building, a fabric-draped chain link fence surrounding it for privacy. Scully pays the cab driver, though now that she realizes how close her apartment is to the place she’ll probably just walk back. After much deliberation, she wound up wearing jeans and a blue T shirt, guessing that it would be out of place to dress up for an interview at a strip club. She pulls the front door open and finds herself in a small foyer with a counter along one wall, a hulking man perched behind it on a stool. Even seated she can tell that he’s very tall, with a broad chest and square shoulders. His neck is nearly nonexistent, thick and disappearing into the rolls under his chin like a tree trunk. His head is shaved bald and his deeply tan skin shows evidence of long ago healed acne scars on his ruddy cheeks. A small gold name tag pinned to his T-shirt reads “Denny.”

“Hi, I’m Diane, I’m here for an interview with Ricky,” she says with a smile. She’s decided that Diane will be the kind of person with an easy smile. The kind of person who makes friends quickly. She channels her sister Melissa, who would talk to anyone and somehow have them sharing details of their childhood trauma within fifteen minutes. If she’s going to get these people talking, she needs to be more like Missy and less like herself.

Denny nods with a grunt and stands, proving himself to be at least six inches taller than Mulder; her head barely reaches his waist. He comes around the counter to push open a second door and holds it for her, motioning her to follow. They enter one end of a long hallway, a door directly in front of them labeled “Enter Here to be Dominated.” They walk down the hall, past some restrooms and several other unmarked doors, until they come to one that says “office.” Denny knocks and a small woman answers.

“Diane, 2 o’clock interview,” Denny says in a flat baritone, then turns and walks away.

[robinofinashiro]

request: “yandere alphabet Bakugou Katsuki”

request status: open

pairing: yandere! bakugou katsuki x fem! reader 

A - Affection: How do they show their love and affection? How intense would it get?

》 Bakugou is based off actions, not words. THAT’S NOT TO SAY THAT HE WOULDN’T LOVE YOU VERBALLY BUT he would prefer to show you rather than speak it. 

B - Blood: How messy are they willing to get when it comes to their darling?

》 this is Bakugou we’re talking about, he already does the most in a non-yandere situation so imagine for the love of his life? he’d go to the ends of the world for and he’d do it the minute they asked. 

C - Cruelty: How would they treat their darling once abducted? Would they mock them?

》 okay so logically speaking, you’re probably going to go against him when you first get napped so yeah, he’d make sure you’d know that you’re his forever and he’d 100% mock the death of a loved one to make sure you got the point. YOU. ARE. NOT. LEAVING. HIM.

D - Darling: Aside from abduction, would they do anything against their darling’s will?

》 affection? like previously mentioned, he is more actions than words so he will force you to cuddle with him if he had a hard day at work. kisses after work are a thing he makes you do too. forced physical affection is a big one with him.

E - Exposed: How much of their heart do they bare to their darling? How vulnerable are they when it comes to their darling?

》 once he’s realized that he cracked you enough, enough to the point where you’ve developed stockholm syndrome, that’s probably the breaking and vulnerable point. he’ll lay all his thoughts, past, future plans, and anything else to you. i mean, it’s not like you’re going anywhere. 

F - Fight: How would they feel if their darling fought back?

》 Bakugou is PISSED. especially if you’re doing it after months of being kidnapped. he doesn’t understand why? you literally have the best life. you’re clothed, fed, pampered every second that you’re with him so why are you being such an ass? 

G - Game: Is this a game to them? How much would they enjoy watching their darling try to escape?

》 I can imagine there are a few yandere MHA characters that would think of this as a game. Bakugou is not one of those. you’re his. whether you like it or not and if he sees that you’re trying to escape, he will punish you for doing that and god damn it, that aint the move.  

H - Hell: What would be their darling’s worst experience with them?

》 either punishment after they’ve broke a rule of his or right when he first kidnaps them. both situations are very very bad and as a darling, don’t ever try to experience those situations again. it wouldn’t end up being a good thing for you. 

I - Ideals: What kind of future do they have in mind for/with their darling?

》 white fence house with kids. basically being a housewife. oh, you were thinking of becoming a hero? yeah, okay! let’s keep thinking that and for a while, you will but then you suddenly end up pregnant bc the condom broke! whoopsie! 

J - Jealousy: Do they get jealous? Do they lash out or find a way to cope?

》 VERY EASILY. if the two of you somehow leave the house together and he sees you talking to man, oh pal, you’re in for it. it doesn’t matter if you were just talking to a poor salesperson at the grocery store, he’ll whisper a warning that if you ever pull that shit again, your privileges are taken away. 

K - Kisses: How do they act around or with their darling?

》 he’s very affectionate. like an arm around your waist at the store and peck on the cheek if he sees someone is staring at you. it becomes doubled or even tripled at home. he’s constantly cuddling, kissing, or holding you.  

L - Love letters: How would they go about courting or approaching their darling?

》 um, he’ll court you for a bet. go all out. buy you flowers, chocolates, a very expensive gift an anniversary, and all that jazz. he’ll make sure that you feel loved very early on in the relationship. 

M - Mask: Are their true colors drastically different from the way they act around everyone else?

》 yes and no. yes because he gets very easily jealous and no because he has a reputation to uphold. he’s King Explosion Murder. he doesn’t do that fluffy shit willingly in public. 

N - Naughty: How would they punish their darling?

》depending on what you did, it could range from a simple locked in your room for a few hours to you’re not eating unless he remembers and when he does, he’ll give you the bare minimum. 

O - Oppression: How many rights would they take away from their darling?

》 like previously mentioned, it depends. he won’t let you have any cell phone or phone privileges. he will try to keep you as healthy as possible so hospital, dentist, vision appointments are a thing but he won’t take you to the mall or visit family. you do get to watch TV tho!! 

P - Patience: How patient are they with their darling?

》 ironically, very patient with his darling. he’ll try to rationalize the things you’re first doing when he kidnaps you but after a while, if you’re still doing shit to piss him off, he’ll get irritated very quickly. 

Q - Quit: If their darling dies, leaves, or successfully escapes, would they ever be able to move on?

》 HAAAAA. yeah right. whatever the case is, he won’t. if you died, he’d go right with you. if you leave or successfully escape, he’ll look for you until the day he dies or he finds you. you aren’t escaping him that easily. 

R - Regret: Would they ever feel guilty about abducting their darling? Would they ever let their darling go?

》 yes and no. at first, he recognizes that his emotions towards you are not healthy and will try to step away from you but once he realizes that he can’t live without you, he’ll come to accept the emotions. 

S - Stigma: What brought about this side of them (childhood, curiosity, etc)?

》 probably his past with Deku and his relationship with his mom. whichever side eats him up the most is probably the reason but it’s probably both tho. he won’t ever fully forgive what he did and said to Deku as a child and his very off relationship with mom will just seal the deal. 

T - Tears: How do they feel about seeing their darling scream, cry, and/or isolate themselves?

》 at first, hella shitty. he’ll sit and realize that he’s the reason why you’re so upset but after a while, he starts caring less. if he sees you crying/screaming, he’ll leave you alone for a few hours but come and get you a bit later. if you’re isolating yourself intentionally, he’ll show you what true isolation is. he won’t have you misbehaving in such a way. 

U -Unique: Would they do anything different from the classic yandere?

》 probably not. he’s very much the stereotypical yandere. if anything, he’ll probably give you a few hours outside with him. he can’t have you going sick bc you aren’t outside. other than that, nope, he’s the classic yandere.  

V - Vice: What weakness can their darling exploit in order to escape?

》 pregnancy or anything that has to do with your health. that’s the best time to tell someone about the situation and RUN. 

W - Wit’s end: Would they ever hurt their darling?

》 fuck no baby. he might be cruel and irrational but he wouldn’t ever physically hurt them. he has to keep you the precious darling you are and how can he do that when you’re hurt, bruised, and broken? he’s more of a psychological, ‘I’ll fuck with your brain and mental health’ person. 

X - Xoanon: How much would they revere or worship their darling? To what length would they go to win their darling over?

》 he’ll do the most in the very beginning. he’ll become a simp. a huge simp. the good thing in all of that is that he’s very secretive with it so he can do it without really anyone realizing it. he’ll shower you in compliments and gifts. do not test this man. 

Y - Yearn: How long do they pine after their darling before they snap?

》 probably a few months. he doesn’t wait too long though. I think the thing that keeps him back a bit is the fact that he knows his feelings aren’t okay. those aren’t normal emotions and he will sit back and think of the actions that come with becoming a yandere. so give or take, he’ll keep himself back for roughly four-ish months. 

Z - Zenith: Would they ever break their darling?

》 mentally yes, physically no. he’s all about the psychology of it all. if he can break your mental health and can realize that you’re on the verge of snapping and becoming his perfect darling, he’ll try his hardest to break you. like previously mentioned, he can’t physically bring himself to hurt you. he gets upset at himself and that’s something nobody wants to deal with. 

[h2bakugou]

crush-contact | katsuki bakugou

summary: you’d been crushing on bakugou for a while, and well, to be honest, he’d never even looked at you. up until bakugou bumped into you, sending papers flying onto the ground, he had no clue who you were, and he realized he was in for a hell of a ride.

all characters aged 18+ au!!

a/n: this idea is terrible please forgive me, feel free to requests stuff, smut takes a little more time than fluff but I’m down to write it. this is also really long i get carried away with the plot sometimes

key: (y/n) - your name / (f/n) - first name / (l/n) - last name / (e/c) - eye color / (h/c) - hair color / (y/q) - your quirk

warnings: swearing, smut, fluff

word count: 2,827

»»————-　★　————-««

»»————-　★　————-««

Class 1-A was decent sized. You sat in the back, with no intention of being noticed. You barely spoke to anyone, besides Uraraka and Midoriya. They were nice.

You were crushing on Bakugou. You couldn’t help it. He was attractive, no doubt, and there seemed to be so much more to him than he let on.

For years, you watched him grow, his attitude rarely changing. And now you were all older, but you still felt like a little kid with a crush.

And you knew it would be the death of you if he ever learned, he’d probably make fun of you until you switched classes and never saw him again unless you were really unlucky and ran into him in the future.

- - -

You were doodling again. It helped you concentrate. You doodled little pictures and wrote notes beside them. It helped you organize your thoughts, putting what you were learning into little comics essentially.

You’d ended up drawing Bakugou again. You thought it seemed weird, but the topic seemed to fit more towards him anyways.

“You dropped this.” A soft voice spoke. Todoroki’s hand placed your eraser back on your desk and peeked at your drawings.

“Thanks.” You whispered quietly back to him. Todoroki pretended he didn’t see a beautifully drawn doodle of Bakugou. 

Todoroki glanced at Bakugou and smiled. One had caught on to your secret, and you didn’t even realize it.

The class was dismissed for lunch, and you headed toward the door with your notebook.

Mr. Aizawa stopped you, the rest of the class had left to head to lunch.

“You keep spacing out in class, do I need to move you up to the front or is someone bothering you?” Mr. Aizawa glanced at Bakugou’s desk.

Two had figured it out, unbeknownst to you still.

“No, I’m sorry if it seems like I’m spacing out, I doodle to stay on track, despite that sounding like an excuse.” You defended softly.

“You do good on all your assignments, I’m just curious what you do all the time.” Mr. Aizawa laughed.

“I could give you an example I guess.” You open up your notebook to one of your doodles that weren’t necessarily of Bakugou.

“It seems silly to draw it out, but it's almost like reading an action comic book.” You smile.

“Whatever helps you better understand, get to lunch before there’s nothing left, kid.” Mr. Aizawa smiled, watching as you left out the door.

Lunch was pretty normal, you ate, and carried on with your usual schedule, coloring your doodles, and re-reading over your notes in case Mr. Aizawa wanted to through a pop quiz at you.

“Hey (l/n)!” Uraraka sat down next to you, Midoriya following afterward.

“Hey, guys.” You smiled. Midoriya looked away to Bakugou who was sitting next to Kirishima.

“How long have you liked Kacchan for?” Midoriya asked. Your cheeks burned red as your eyes shot up to look at Midoriya.

“Keep your voice down! And how do you know that I like him!” You shushed him, watching Uraraka smile.

“Todoroki, he mentioned you drawing him and how you seemed very caught up in him, and well putting together basic knowledge, it seems like you’ve got a crush on-”

“Shhh!” You placed a hand over his mouth as Asui walked by, giving you a look.

“Sorry.” Midoriya apologized looking over at Bakugou.

“He’s never even looked at me. I don’t think he knows I exist.” You say quietly, accepting defeat, one you’d hoped you could overcome.

“You don’t know that-”

“It’s been years, he’s never spoken to me, or looked at me, or even breathed in the same general direction of me. He has no clue who I am.” You interrupted Uraraka.

“I have a stupid crush on someone I have no chance with.” You huffed, resting your head on your notebook.

“Don’t give up now, besides, have you tried talking to him?” Uraraka questioned.

“I-no. I haven’t but do you think he’d talk to me even if I did?” You asked, looking back up at your friends.

“You never know until you try!” Midoriya encouraged you.

“Yeah, I suppose.” You smiled, the tiniest feeling of hope rushing through your veins. So you were going to try talking to him.

But lunch was over now, so you had to head back to class.

- - -

You saw the door and made your way through the sea of students. You entered the door but a strong force knocked you down.

“Kirishima you asshole!” Bakugou grunted, rubbing his head, looking around. He’d bumped into someone due to Kirishima messing around.

He looked down and saw a girl, you.

You were dazed nonetheless, but not hurt. Just trying to become un-dizzy.

Bakugou took note of you. You had (h/c) hair and bright (e/c) eyes. He’d never seen you before. Were you even in his class? Come to think of it, he didn’t even realize you were standing in front of him.

He noticed a few drawings poking out of your notebook. Realization settled in, noticing they were of him.

“I’m sorry! I should’ve been quicker I got in your way!” You apologized, quickly scurrying to your feet. Bakugou bent down and looked you in the eyes before snatching one of your drawings.

Your eyes widened.

Bakugou wanted to cause a scene, but he felt kind of bad. That was rare. Why was he feeling so giddy all of a sudden?

“Who-Just- Watch where you’re going next time.” Bakugou shoved the piece of paper in his pocket, your eyes following his movements closely, your head nodding up and down uncontrollably.

He’d taken one of your doodles.

You dusted yourself off after getting back on your feet and hurried to your seat.

Bakugou looked back at you, but you were too embarrassed to lift your head up. He pulled the paper he’d taken from you out and examined it. The doodle was good, no great.

You were talented, but he doubted it had anything to do with your quirk. Hell, he didn’t even know what that was. He felt bad. Like really bad. How long had you been in his class? How long had you been admiring him? How had he not noticed you?

He didn’t even know your name. He looked to the top of the page and spotted it. In neat handwriting, (f/n) (l/n) was printed with a few lines surrounding it.

Bakugou couldn’t get you out of his mind for the rest of the class, and it was making him angry. He couldn’t focus. You were distracting him and you weren’t even doing anything. He couldn’t last five minutes without turning to look back at you.

You didn’t do much for the rest of class. You kept your head down, and jotted down a few notes, worried that Bakugou now thought of you as some creep who stared at him all the time.

You just wanted to go back to your room and sulk. It seemed like the best option.

- - -

The air was crisp, you could tell it was winter. The day had finally ended and you were able to head back to your room.

Bakugou was following you, in the least creepy way. He had no clue who you were, or else he’d be in a different situation.

He definitely wasn’t going to ask anyone about you. He’d just figure it out on his own.

Bakugou trailed behind you, worried you’d find out. But that worry disappeared when you stopped to look out the window.

Snow had begun to fall outside. You smiled and watched as the flakes fluttered to the ground outside, coating everything in white.

Bakugou was so caught off guard, he didn’t notice the trash bin in front of him. He bumped into it and caused you to look over in his direction. He quickly ducked behind it, hoping you didn’t see him.

“Hello?” You called out looking around you. The trash bin moved but fell back into place.

“This is how people die in horror movies, but I see why now.” You say quietly, causing Bakugou to almost smile at your choice of words. You began your investigation.

You made your way over to the bin and jumped when you saw Bakugou sitting behind it.

“W-were you following me?” You questioned, freezing in your spot.

“Why are you so damn curious?!” Bakugou retorted, standing up, avoiding your gaze and question.

“I’m sorry.” You apologized. You looked past him back out at the snow.

“I-uh, You took one of my pages of notes, and I was hoping I could get it back, the content might be on a test and I wouldn’t want to do bad on it, I hope you could understand-”

A folded piece of paper landed in your palm. Bakugou sighed and looked at you.

“If you tell anyone about this you’re dead, you hear me?” Bakugou threatened, taking a step closer.

“Yup!” You swallowed the lump in your throat.

“How long have you been in my class?” Bakugou questioned, his cold stare not giving up.

“Since we got accepted into UA.” You said softly.

“You’ve been here the whole time?!” Bakugou raised his voice.

“Shh! You’re gonna get us in trouble if you’re so loud.: You placed your hand over his mouth almost out of instinct. You registered what you’d done and wanted to recoil but you were frozen.

Bakugou was frozen too. He glanced down at your hand covering his mouth. 

“I-” Bakugou smirked, peeling your hand off of his mouth. Bakugou pulled your arm, pulling you into him.

“Don’t get in my way.” Bakugou threatened. His grip on you was soft. He didn’t want to hurt you, but he was serious.

“I won’t.” You assured him, shaking your head in confirmation. Bakugou leaned in, his face mere inches from yours.

“And staring is rude, just so you know next time.” Bakugou grinned, letting your wrist go.

He walked off, leaving you frozen in the hallway. His breath ghosted on your lips, your eye twitching.

He was so close to your face, he most likely saw your blush.

After Midoriya and Uraraka, he ranked in at number five to have found out how you felt about him.

He knew.

- - -

A week had gone by, and you’d stayed out of his way like he’d told you too. But Bakugou was furious. He was frustrated, in more ways than one. You were driving him crazy. And he couldn’t take it anymore.

The class was let out early today, due to holidays and such.

You had made it back to your room, but an aggressive knock startled you. You opened the door and Bakugou marched in, closing the door behind you.

“What’s your deal? Do you want me or something?!” Bakugou dug his pointer finger into your shoulder.

“What are you talking about?!” You protested, a blush spreading on your cheeks.

“You like me. Are you trying to tease me by avoiding me!? You’re driving me insane (l/n)!” Bakugou raised his voice before pressing his lips to yours.

Your eyes were wide open before they shut, melting into the kiss. Bakugou’s lips were soft. And you could’ve sworn they tasted like cherries. Was he wearing chapstick?

Bakugou pulled away and looked you in the eyes.

“Do you want to fuck me?” Bakugou questioned. Your face burned red.

“Y-Yeah, but what are you talking about? How am I-”

“You keep avoiding me, and then teasing me, thinking I wouldn’t notice, wearing that damn skirt.” Bakugou growled.

“I’ve worn this for years!” You frowned, looking down at the ground.

“Let’s get this over with.” Bakugou had already pinned you against the wall, all he had to do was drop his pants, and your skirt.

Bakugou’s hand traveled up your thigh, sending chills down your spine. This was happening. Like really happening. You were about to fuck your crush.

Bakugou yanked your skirt down, pulling your underwear down with it, the clothing pooling at your feet.

“I can’t believe I never noticed you before.” Bakugou muttered to himself. He wasn’t sure fucking you was going to get him off his mind. He’d hoped it would, but he wasn’t really sure. He couldn’t deny himself forever, and if he did like you, he sure as hell wasn’t going to let anyone else get their hands on you.

Bakugou ran his fingers between your folds, your legs shaking. 

“I haven’t even done anything-”

“Shut up!” You whispered yelled, placing your hands on his shoulders. Bakugou grinned, noticing how much of an effect he had on you. He’d barely touched you and you were already wet.

Bakugou slipped a finger inside you, his thumb rubbing circles on your clit. You moaned softly, biting your bottom lip.

He slipped another finger inside you, watching as your legs weakened. Bakugou moved his fingers inside you, bringing you to a climax. 

“If I can make you cum with just my fingers, you should be worried.” Bakugou smirked, pulling his fingers out of you. He licked them clean and caught you as you fell forward into his arms.

“Jesus.” Bakugou mumbled, helping you over to your bed. He laid you down and watched as you looked back up at him.

“Stop looking at me like that.” You said softly.

“Like what?” Bakugou questioned, undoing his pants.

“Like you’re so...”

“So...?”

“I don’t know.” You blanked. Bakugou’s expression softened. 

“Sor-” Bakugou cut himself off. Did he really want to apologize? He was just looking at you. He didn’t want to flat out say he was admiring you, how you looked.

Bakugou stroked his cock, positioning himself at your entrance. You gave him a nod, reassuring him that it was okay.

Bakugou thrust his hips into you, sending your head back. You felt like your dreams were coming true. And your dreams weren’t the only thing cumming.

Bakugou bucked his hips into you, his cock hitting your g spot. You were overcome with pleasure. Bakugou leaned down and pined your hands above your head.

“Fuck, you’re so tight.” Bakugou groaned, pressing his head to your neck. He fucked you at a steady pace, his lips connecting to your neck.

He licked the skin near his mouth, beginning to suck and bite at your skin, forming a hickey.

“B-Bakugou!” You moaned, your legs instinctively wrapping around his waist as he thrust into you.

"Say my name again.” Bakugou groaned, feeling himself get closer and closer to cumming.

“Bakugou!” You cried, the feeling of Bakugou inside you driving you up the walls. He was thrusting into you just right, his pace steady and making your legs tremble.

“Fuck.” Bakugou grunted, cursing himself for getting so close. He came inside you, you cumming shortly after him.

“B-Bakugou.” You moaned softly as he pulled out of you. Bakugou sunk back, bringing his head in between your legs.

Bakugou dipped his tongue inside you, getting a better taste of you than before. You ran your hands through his spikey blonde hair, pulling him in closer to you, allowing him to eat you out more.

Bakugou smirked and pulled away, watching as you frowned.

“Don’t mention this, I wouldn’t want this to get ugly.” Bakugou cleaned himself up, tossing you your clothes.

“I-I won’t.” You said softly, still frazzled by the whole experience.

“So you got some crush on me?” Bakugou turned away, buttoning his pants back up.

“It’s obvious now isn’t it?” You stated, pulling your underwear back on.

“Are we going to do this dating thing?” Bakugou turned and looked back at you.

“Is that your way of asking me out?” You raised a brow.

“Do you have a problem with it?” Bakugou stared daggers at you.

“N-No!” You shook your head. 

“I’ll go out with you then.” Bakugou confirmed. Your cheeks turned red.

“Wait really?!” You hopped to your feet, Bakugou smirked.

Your lower body hurt, and your legs were weak. He was powerful in more ways than one it seemed. Bakugou caught you before you stumbled to the ground.

“We’re going to have to work on this. I can’t just carry you around everywhere after we fuck.” Bakugou grinned.

“Y-yeah.” You laughed shyly.

- - -

Bakugou had admitted his feelings. He felt better, now that he was dating you. You weren’t so much of a distraction, in the sense that he couldn’t stop thinking about you. Well, he couldn’t do that now either.

You and him had spent most of your time together, alone, behind closed doors until Kirishima walked in on the two of you making out in his room.

Kirishima was laughing about how Bakugou had gone all soft for you, but he was still just as firey as always, though he was a bit of a teddy bear.

Bakugou also took note whenever you were doodling in class, that it was of him. He’d catch you looking at him and he’d just smirk at you, causing your cheeks to heat up.

Sometimes all it takes is a little crush-contact.

»»————-　★　————-««

                masterlist

[peter-parkourwrites]

Searching For Forever ~ Part 1 (Peter Parker x Stark!FemReader)

Warnings: Swearing,, mediocre writing, uh angst ig??

Summary: When everything seems almost too perfect, your family is starting to fall to pieces. Your father chooses his path, and Steve chooses the opposite, and you’re in the middle of it all. Only confiding in your best friend who just so happens to be everyones favorite Friendly Neighborhood Spider-Man, and the one you fall for.

Part 2 is here

A/N: Hi!! Part 1 is here!! I hope you all love it as much as I do, thank you for reading. I am going to hopefully have part 2 up sometime next week. I will let you all know the night before I post it. Enjoy! Love you all,, xx ~ Devyn <3

Civil War Part 1 -

“Miss Stark?” FRIDAY’s voice rang through your ears. You lay disheveled on your floor. Hair up in a messy bun, and stains covering your clothes of chemicals, food, and water.

“Yes, Friday?” You called back as you jotted down another equation into your notebook for later solving. School was most certainly your least favorite thing, well, that and your dad being mad at you. Your father, Tony Stark a world-famous billionaire and genius, and he loved to add onto that with ‘playboy and philanthropist.’ While the last part was true he had now had a steady relationship going with Pepper Potts. When you were dropped off at your father’s house at the age of three, by your mother, Pepper had been the one to whip Tony into shape and made him realize he had a responsibility now. You.

“Your father is asking if you could join him for something to eat.”

“Eat? It’s only three…”

“Miss, it’s seven o’clock. He said dinner is ready and he needs to discuss some things with you.” You pushed yourself up off the floor and closed the notebook, making sure to mark your place with a pencil.

“I swear if this is about me stealing all of Caps sweatshirts again…” You grumbled and walked out of your room after putting on a clean shirt. You feet collided with the cool marble flooring, a soft pitter-patter echoing off the walls of the tower. As the elevator whirred and took you down to the dining area, you picked at your cubicles, a nervous tick you had picked up since you had found out your dad was Iron Man. You had snuck into his lab one night when you were seven. Trouble sleeping and lack of comfort from him led you to where you were standing in the lab. Your jaw hits the floor, the teddy bear in your hand, -who you ironically named snuffles because really what kid didn’t have a weird name for their stuffed bears- had hit the floor with a gentle thud. Right in front of your eyes was your father testing out his new suit, DUM-E right by his side holding up a fire extinguisher.

~

“YOU'RE IRON MAN?!” Your voice filled the lab, and Tony jumped slightly, one of his arms getting knocked loose from the suit.

“(Y/N)!” He hissed, “What the hel-heck are you doing in here! You should be asleep!” Tony yelled, his face turning red from anger or embarrassment, you couldn’t really tell. You bent down and picked up snuffles drawing him into your chest as you held him close.

“I-I couldn’t s-sleep and Miss Potts isn’t here so…” You shrugged and Tony sighed, a greasy hand running through his hair as he climbed out of the suit. He sat down on a stool and motioned for you to walk over. A small smile graced your features as you happily walked up towards him, hair bobbing around as you jumped with every step. Tony let out a small chuckle as he wiped his hands with a rag and reached out for you. He lifted you up and sat you on his knee.

“Listen pumpkin, you can’t tell anyone about this. This is our little secret… okay?”

“Okay!” You cheered nodding at him and holding up your pinkie. He laughed and linked his with yours.

“You can’t tell anyone, not Miss Potts, Happy, your uncle Rhodey… no one. This is dangerous and I don’t want anyone to know.”

“But why not?” You asked moving your attention from the bear in your arms up to his face. Your big (y/e/c) doe eyes made his heart warm at the sight.

“Because pumpkin, you could all get hurt. And I can’t let that happen. Especially not to you.”

“I’ll be fine daddy, you’re iron man!” You giggled and he shook his head a small laugh escaping past his lips. You were so young and had yet to figure out the dangers of this world. Tony wanted to keep it from you for as long as possible, he was going to protect you no matter the cost. His hand cupped the back of your small head as he gently pulled you closer to his chest.

“I love you.” He whispered and placed a gentle kiss to the top of your head. You smiled warmly and looked up at him.

“I love you too Papa.” You hummed and rested your head against his chest again, your eyes scanning the room around you as you asked, “Does this mean I get my own suit now?”

“No.” He stated, before laughing softly. “You’re too young, and-”

“Then can I try on your suit?!” You cried out, raising your head from his chest and giving him a goofy grin. He let out a defeated sigh and shook his head.

“Not tonight pumpkin, it’s time for bed.”

~

“(Y/n)!” Your father’s cheery voice filled your ears as the elevator doors slid open.

“Hey Old Man, Miss Potts.” You greeted the pair as you walked up to the kitchen island and climbed up onto one of the obnoxiously high stools.

“(y/n/n), sweetie how many times have I told you to call me Pepper?” Pepper said, looking over at you with a teasing smile. You chuckled nervously and shrugged.

“Heh, sorry force of habit I guess… Anyways uh what’s for dinner?”

“Cheeseburgers and I made them.” Tony grinned and you sighed shaking your head.

“Well, Pepper guess we had better start apartment searching.” You said nudging the blonde woman's arm. She laughed and nodded in agreement.

“I’ll call the relators now.”

“No no no! There is no need for that. I didn’t even burn the kitchen down!”

“Yeah, this time! Besides for all we know this could be an illusion Old Man.”

“Oh, can it. I know what I’m doing.” He grumbled turning away from the both of you and grabbing the plates. He handed them out before sitting down across from you. You looked down at the burger and fries sitting beside it. You tossed a fry into your mouth and chewed, before picking up the burger. Your eyes flickered from the burger to Pepper who was looking over at you as well. A soft sigh escaped your lips as you bite into it.

You placed it down again and nodded, your eyes meeting the cheerful face of your father.

“It’s… really good. Nice job Dad.” You said with a smile as he gave you a goofy grin and cheered.

“I knew it! Now next time you underestimate my cooking you’ll be eating rats.”

“Dad!” you screeched, “Tony!” Pepper and you called at the same time making you chuckle a bit.

“Oh whatever anyways, what I needed to talk about Uhm…” Tony cleared his throat and shifted in his seat. “Do you remember a few days ago your Uncle Steve and crew went to Lagos.”

“Yeah…”

“Well, Wanda… she uh. She basically contained the blast but she threw it upward near a building, which was full of Wakandan humanitarian workers.”

“Wait wait so, Rumlow the guy I told you looked like a bad guy, tried to steal that staff thing or whatever it was, and then blew himself up, causing Wanda to hurt Wakandans?”

“Yes, now we have some of it under control. We are getting word to Wakanda and they will be handling everything with the families but, Secretary Ross-”

“I hate that guy…” You grumbled taking another bite of food.

“So do I pumpkin, but he informed all of us that we need to have a meeting about what happened. So the rest of the team is coming back soon, and we will have a meeting tomorrow night.” Tony said as he took the last bite of his burger and sighed. “So just be prepared for anything to happen.”

“Already am Dad.” You said with a reassuring smile as you stood up and put your plate in the sink. “Besides you guys will work it out and come up with a solution together, you always do.” You said walking back over to him and placing a small kiss to his cheek. He smiled and hugged you before standing up. “I’m gonna get back to work… I’ll see you two in the morning, night Pepper, night Dad.”

“Goodnight (y/n), sleep well.” Pepper said as she poured herself a cup of tea. You smiled at her and waved before walking over to the elevator.

“Night Pumpkin!” Tony called off as you walked into the elevator. A small smile curled on your lips as the doors slid shut. You hit the button for your floor and up went the elevator with a quiet whir.

-

“(Y/N)?! Hellooooo?” Ned snapped his fingers in your face making you jump. You brought the palms of your hands up to your eyes and rubbed them gently before looking up across the table at him and Peter with an apologetic grin.

“Sorry Ned, uh what was that?” You asked bringing your pencil up to your face and tapping it against your lip.

Last night all seemed like one big blur. You had gone back up to your room and sat down in front of your Ap Physics homework, the equations jumbled together in your head, mixing with thoughts of how the meeting tomorrow would play out. Everything was a mess. You tried calling Steve but he sent you straight to voicemail. You assumed it was because technology was never his strong suit, but when you had called Nat she told you he was sitting alone on the jet by himself and refusing to speak. Which was never a good time in anyone’s case. And it didn’t help the fact that Wanda refused to talk to anyone either, leaving Sam and Nat to chat amongst themselves or sleep. Which Nat had problems with in the first place. So the two of you remained talking for most of the night, she explained what happened during the mission, and how she took down some of his men after chasing them through the crowded village streets. A real mess, the mission actually turned out to be, even if they did stop Rumlow… sort of. You knew this whole thing was going to be one huge lawsuit, and mess to clean up. Nat had urged you to sleep after talking until three am, and when you argued she hung up, leaving you to sit and ponder for a while until your alarm blared twenty minutes after you fell asleep. You had no clue you were awake that long, figuring you were dreaming when in reality you sat alone with your clouded and messy thoughts. They ran a mile a minute and nothing made sense. Not then, and certainly not now as you sat across from a rambling Ned and Peter in study hall.

“I asked if later tonight you wanted to come over to Peters with us and watch Star Wars? Right, Pete.” Ned asked, giving the blushing boy beside him a knowing glance before turning back to you.

“Oh uh yeah, yep. We were gonna grab sandwiches from Delmars on the way back along with some snacks and just hang out like we used to before…” He gulped and faked winced. “SAT’s.” You chuckled softly at his dramatic performance and leaned back in your chair, a yawn escaping past your somewhat chapped lips, after licking them nervously all day long.

“I would love to!” The boys perked up at that sentence, “But I can’t… I need to be at home. My father has a meeting tonight.” The boys frowned in sync before Peter’s face seemed to light up and a glimmer of hope shown in his eyes.

“Wait do you have to be there? Like will the world end if you’re not?”

“Dude, she said no. Her dad is Tony Stark I mean I don’t think she’d be able to get out of it anyways.” Ned’s disappointment was seemingly making you and Peter upset, but Peter did have a good point.

“Actually, Pete’s right. I can just call and ask him. I’m sure he wouldn’t mind, as long as I’m home by ten. Which won’t be a problem with Happy.” They nodded their heads eagerly and you shook your head with a small chuckle, opting to call your father later and going back to your studies.

“‘Sup Losers.” Mj stated as she dropped her sketchbook on the table open to a freshly drawn image of you. As your brow raised in confusion, you reached over and picked up the book, your eyes skimming over the charcoal drawing and chuckling softly to yourself before handing it back to her.  

“Hey Michelle, I guess I was another one of your ‘muses’ again? What was it this time, me being dead tired, or over-stressed?”

“A bit of both, Stark. You always have an interesting expression. Hard to read but not impossible.” She said before closing her book and slinking back in her chair as her gaze fixated on Ned and Peter. “I think your nerds are broken, (Y/N/N).” You looked up and rolled your eyes realizing Peter and Ned’s mouths were agape, and they had confused looks on their faces.

“Ahem, Peter… Ned, this is Michelle. She’s in my art appreciation class.”

“My friends call me MJ.” She said pushing a stray strand of hair from her face.

“So… why doesn’t (Y/N) call you MJ?” Peter asked, raising a brow as he looked between the both of you. MJ let out an annoyed huff while you chuckled.

“Well, I forget sometimes.”

“No, it’s because you’re a loser like them and do it to annoy me.” MJ chimed in with a small smirk as she pulled out her notebook.

“Hey! We are not losers!” Peter squeaked making you laugh, and shrug.

“Yes you are, we all are. Right MJ?” You said looking over at her with a playful smirk.

“Nah (Y/N/N) you are because you hang out with them.”

“What’re you doing right now?” You asked leaning forward in your chair to reach for a pretzel from Peter’s snack bag.

“Touche Stark, Touche… Anyways going back to art, did you finish your assignment yet?” MJ spoke up as she began jotting down notes in her book.

“Haha no. I don’t know how I’ll get any photos of Spider-Man for the school paper. One no one reads that and two, I’m not even allowed out into the city!” You cried, wincing as people around your table shushed you. You shot them an apologetic smile before continuing. “I mean I live with the Avengers for god’s sake and I haven’t even met him. My dad talks about him and his work all the time. Although, he’s never actually met him… that much I know.” Your gaze flickered up to Peter for a moment as he shifted somewhat uncomfortably in his seat, before focusing on Ned as he spoke up.

“You know the only reason they want those photos is because for whatever, stupid… very stupid reason, Flash runs it and he wants those photos, and he thinks people will read it.”

“I swear he’s so gay for Spider-Man.” You joked as Peter let out an obnoxiously loud laugh. The three of you turned to look at him and waited for him to explain what the hell it was about.

“Uh… ahem, sorry I was thinking about a cat video on youtube… yeah…”

“Okay…? Well, I’ll leave you weirdos to it.” MJ said, standing up and gathering her things.

“What so were just weirdos now?”

“Yeah gotta keep you on your toes Stark. Now, are you coming with me to grab an early lunch or are you just gonna starve till third?”

“Nope, on my way. Bye, Ned and Peter! I’ll see you after school, yeah?” You asked pushing your chair in and walking off towards MJ as they called back.

“Yeah bye (Y/N)!” Ned called.

“B-bye (Y/N/N)!” Peter called before immediately looking down towards his notes. Ned rolled his eyes and elbowed him, hard. “Dude!” Peter hissed, looking towards his best friend.

“When are you going to tell her that you like her? We have known her since middle school, and you’ve had the biggest crush on her since then.”

“I have not!” Peter retorted before messily scribbling down the last of his homework.

“Yes, you have. Just tell her!”

“No, Ned! She can’t know, one her dad would track me down and kill me if I ever hurt her, and I really don’t need any avengers coming for my ass, and two she’s out of my league!”

“Peter if she’s out of your league then so am I. I mean come on, she chooses to hang out with us, she doesn’t have to. Hell when you dropped your orange juice all over her on the first day of sixth grade she could have hated you and had her dad kill you then for ruining her converse and she didn’t, she smiled and helped you clean it up. You were so frazzled you couldn’t even figure out how to wipe up a liquid.”

“Yeah because she was so sweet about it and ask if I was okay. I should have been asking her that.”

“Exactly! So tell her, or I will.” Ned joked before closing his textbook and standing up, as Peter stuffed his books into his bag.

“Ned, no. God, it’s just… complicated, look I’ll talk to you later I gotta get to class.” Peter muttered before rushing off down the hallway.

“Look (Y/N/N), all I’m saying is you could avoid getting yelled at by Miss Henderson if you didn’t question her teaching methods all the time.” MJ said as she closed her locker and looked over at you with crossed arms.

“Well it’s not my fault she barely knows the difference between oil paintbrushes and acrylic.”

“There is little to no difference!”

“But there is still a difference!”

“A difference in what?” Ned asked as him and Peter approached you. A soft groan fell from your lips as you pushed yourself up from your locker.

“It’s nothing, uh I’m basically ready to leave just have to ask my dad. I’ll see ya later MJ?” You asked raising a brow up at your dark-haired friend. She nodded, saluting you playfully before walking off.

“Sounds good, we'll meet you out front yeah?” Peter asked shooting you a small smile. You nodded and pulled out your phone when they walked off. You scrolled through your contacts and clicked on Tonys, it rang a few times before he picked up.

“Hey pumpkin, everything alright?”

“Hey Dad, yeah I’m fine. How’re things over there?” You asked biting at your nails from nervousness. He was silent for a few minutes before letting out a small sigh.

“Messy… uh I mean everyone is resting right now. We were shown something called the Sokovia Accords that the UN wants to pass.”

“What do they have to do with you guys?” You asked, walking towards the front doors that led outside.

“It’s a lot actually… I Uhm, they want to oversee us. The world sees us as a threat more than saviors. Which is understandable but they are hosting a meeting in Vienna and I need you to go with Nat, I can’t attend and neither can Pepper.”

“Wait but dad I-I have school?!”

“Not like you haven’t missed it before kid. You’ll be fine. But you leave tomorrow morning.”

“Fine, but if I miss any big tests and fail I am blaming you. But I was actually calling to ask about tonight. Can I go over to Peter’s? Ned and him want to watch Star Wars and study.”

“Wow, how entertaining…”

“Dad, I can hear the sarcasm dripping from your voice.”

“That’s the point, but I suppose just be back bef-”

“Before ten, yeah yeah I know the drill. Bye Tin Can love you!”

“Love you too, be safe,” Tony said before hanging up. You sighed and pocketed your phone before walking outside.

What in the hell could the Sokovia Accords even mean? And why do Nat and I have to go to a conference in Vienna?! And if we live here why the fuck does the UN want to try and control us… All these thoughts flooded your mind. I mean really what the hell could the United Nations do? Your entire family did save New York and the rest of the world from impending doom from Loki, and you even helped. Sure you weren’t out there with the rest of the action but you helped back at the tower. You kept tabs on everyone, checked their vitals out in the field all while in the comfort of your fathers' lab. Sure you didn’t fly into space and destroy the entryway like your father had, but you did what you could, and it was enough.

“He said it was cool, you ready to head out?” You asked, walking up to Peter and Ned as they chatted away about legos. You let a small chuckle slip past your lips as they turned and gave you a horrified look. “Relax nerds, I won’t tell Flash about your lego escapades. Now let’s get those sandwiches I am starving.” Peter let out a nervous chuckle before nodding.

“You’re telling me… I woke up late and didn’t eat breakfast.” Peter admitted as you all began to walk towards the infamous sandwich shop.

“Pete, you know May hates that.” Ned said with a small laugh as he walked turned onto the street leading away from Midtown.

“I’m surprised she didn’t ground you. I mean I remember that one time she found out when we were over at Neds and she made you go back home immediately.” You added nudging Ned slightly who broke out into a fit of laughter at the memory.

“Yeah yeah, I remember you were in such a rush your glasses fell off your face and you stepped on them.”

“Yeah which May was only more mad about. But I mean she knows this time she just isn’t happy about it.” Peter grumbled kicking at a stone on the sidewalk. You chuckled and placed a gentle hand on his shoulder.

“Well, we can make up for it with subs and junk food.” You said with a content sigh, as you all walked off towards the shop. Conversations ensued about many things, homework, what classes were really bothering you, Flash’s shitty teasing, and whether or not Mr. Harrington and his wife were going to last. It seemed like every class the poor guy had a new sob story about something shitty she ended up doing.

“Listen, all I’m saying is if she doesn’t love him anymore leave don’t lie to the poor man,” Peter said as he held the door open and let Ned and yourself walk in. You took in the smell of fresh bread and deli meats, a gentle hum of delight escaping your lips

“Peter it’s way more complicated than that.” Ned said as you walked up to the counter to pet the cat.

“He does have a point, Peter, I mean there’s divorce papers, lawyers, court, and who even knows if they signed a prenup. Probably not with how she treats the poor dude.”

“How who treats who?” Mr. Delmar’s voice rang through your ears, and a smile perked at the sides of your mouth.

“Delmar! My man, what's up?” You said scratching behind the cats' ears once more before walking over to the main counter, Ned and Peter following beside you.

“Eh working, sick of teenagers, what else is new. I see you’re still hanging with my least favorite customers.” He teased motioning towards Peter and Ned. You laughed and shrugged as they let out fake gasps.

“Mr. Delmar, I will have you know if it weren’t for Ned and I’s reviews on Yelp you wouldn't be named the best sandwich shop in Queens!” Peter said grinning and resting his arm on your shoulder. A small blush crept up your neck and onto your cheeks, looking anywhere but Peter’s chocolate brown eyes. Taking a deep breath, you compose yourself and rolled your eyes, scoffing slightly at his comment.

“Yeah okay Pete, anyways the usual please!” You said with a small grin as Mr. Delmar chuckled and got to work.

“I’m smashing down all of them real flat… correct?”

“Yes.” You all said in unison. Ned simply shrugged before taking out his phone and typing away. Peter grabbed a bag of Doritos, and some gummy worms to eat for later, and Ned grabbed a pack of starbursts and lays. You pondered the choices for a moment before grabbing a bag of Fritos and gummy bears, along with some chips for Sam, who always complained when you never got him any.

After Mr. Delmar handed you the sandwiches, you took them with a warm smile and said goodbye before heading out and walking off to Peters. Once at Peters, the TV was switched on to Star Wars A New Hope, and you all studied away, ate snacks, and joked. Occasionally your eyes would flicker to the movie, and then back to your paper in front of you.

You jumped slightly when your phone buzzed on the coffee table beside you. You huffed slightly noticing it was 9 o’clock meaning Happy was here. You brought the phone up to your ear and spoke up.

“Hey, Hap.”

“You’re late.”

“No you’re early the drive from Peter’s to the Tower is half an hour tops.”

“Oh whatever kid, your dad wanted me to get you so let's get a move on. I have your favorite waiting for you.”

“(Y/F/F)! Okay, I’ll be right down. Bye Hap!” You called into the phone before shoving it into the pocket of your jeans. You looked up at Ned and Peter who sat noses buried in books. A small chuckle fell past your lips as you grabbed your books and shoved them into your backpack. “Bye dorks see ya later.” You said slinging your bag over your shoulder. You laughed when they just gave you simple grunts as a response. “Bye May! Thank you for letting me over!” You called off as you walked up to the door and opened it.

“Bye (Y/N)! Come by any time!” May called from the kitchen. You smiled to yourself and shut the door behind you and raced down the steps of his apartment building.

You threw the door open to the car and Happy dropped his phone from his hands and turned to you, his face slightly pale as he looked at you like you had three heads.

“Jeez Hap, head of security getting scared by a teenage girl? Dad should know about this don’t ya think?” You chuckled and tossed your bag into the back seat, and climbed into the passenger's seat. He scoffed and handed you your food.

“Please, Tony wouldn’t know his ass from his head if I wasn’t around.”

“I think you’re confusing yourself with Pepper… but true. I mean I know I would be okay but my dad? Ha, no.” You said as you took a bite from the food and looked over at him. Happy pulled out of the parking space and began driving down the main roads back to the tower.

“Please kid, I remember you called me sobbing because you killed a bird with Clint’s arrows, after stealing them, and you thought it was a person. Then when I told you it wasn’t a person you made me plan a funeral.”

“Oh so what you’re saying is I can’t plan a funeral for a bird on my own?” You joked with a small laugh as Happy simply shook his head and chuckled softly before merging onto the highway. You let out a small sigh as you finish off the meal and leaned back in your seat.

“So, do you know anything about this trip to Vienna?”

“Not much, your dad told me it was basically about the accords, and you’re going to represent him and Stark Industries there tomorrow since he can’t go. I think he wants you and Nat to sign them? I don’t know for sure but all I know is Cap is completely against it. Thinks you should all have free will to take down threats.” Happy said as he turned down the main road of the tower and pulled into the garage.

“So Steve…?” You raised a brow and looked over at him as he let out a small sigh.

“Him and your dad never… got along well, but I think this is going to be worse than any threat we will face in the future.” You gulped at his words and nervously began to pick at your nails. ‘What the hell did Ross do?’ You thought to yourself. The Avengers as a group always just kind of… clicked. Sure your father and Steve did butt heads about a lot. You were the one to originally bring Steve to your fathers' attention, the super-soldier, frozen in the ice for years. I mean, why wouldn’t that be interesting? But according to your dad, it just meant bad things. You had grown up around those ‘bad things’ and sure your life wasn’t perfect, but no one’s was. But when you met Steve he didn’t come off as a threat. Sure he needed a little help around the edges of figuring out the new era he was suddenly thrown into, especially with wardrobe and hair cuts… But you and Steve always remained close, you would show him around New York, show him old movies and all the new memes. Although he didn’t understand it meant a lot to you that he tried and cared enough to do so. Steve was like another father to you, an uncle. He wasn’t some stranger who worked with your father, he was family. All of the Avengers are your family… and Ross will be damned if he thinks he can split it apart.

Taglist: if there is a line through your URL it means it wouldn’t let me tag u,, I’m sorry abt that I will try and figure out how to fix it <3

@inmydefenseyouletmedoit @thatwhitemutant @fangirlingisajob @parknochuism @holymotherofchickennoodlesoup @pnkthunder @rororo06 @darlingtholland

[eziayaoiffantasy-blog1]

NVIDIA TITAN RTX

NVIDIA's TITAN arrangement of designs cards has been a fascinating one since the dispatch of the first in 2013. That Kepler-based GTX TITAN model topped at 4.5 TFLOPS single-exactness (FP32), execution that was supported to 5.1 TFLOPS with the arrival of the TITAN Black the next year.

Quick forward to the current day, where we presently have the TITAN RTX, bragging 16.3 TFLOPS single-accuracy, and 32.6 TFLOPS of half-exactness (FP16). Twofold exactness (FP64) used to be standard admission on the prior TITANs, however today, you'll need the Volta-based TITAN V for opened execution (6.1 TFLOPS), or AMD's Radeon VII for in part opened execution (3.4 TFLOPS).

Of late, half-accuracy has collected a great deal of consideration by the ProViz showcase, since it's optimal for use with profound learning and AI, things that are developing in fame at an incredibly brisk pace. Add explicitly tuned Tensor centers to the blend, and profound learning execution on Turing turns out to be genuinely amazing.

NVIDIA TITAN RTX Graphics Card

Tensors are not by any means the only party stunt the TITAN RTX has. Like the remainder of the RTX line (on both the gaming and genius side), RT centers are available in the TITAN RTX, helpful for quickening continuous beam following outstanding tasks at hand. The centers should be explicitly bolstered by engineers, utilizing APIs, for example, DXR and VKRay. While support for NVIDIA's innovation began lukewarm, industry support has grown a great deal since the first disclosing of RTX at SIGGRAPH a year ago.

At E3 in June, a bunch of games had beam following related declarations, including Watch_Dogs: Legion, Cyberpunk 2077, Call of Duty: Modern Warfare, and obviously, Quake II RTX. On the plan side, a few designers have just discharged their RTX quickened arrangements, while a lot more are underway. NVIDIA has been gabbing of late about the Adobes and Autodesks of the world assisting with developing the rundown of RTX-implanted programming. We wouldn't be astonished if more RTX goodness was uncovered at SIGGRAPH this year once more.

For profound learning, the TITAN RTX's solid FP16 execution is quick all alone, however there are a couple of advantages locally available to help take things to the following level. The Tensor centers help in a significant part of the increasing speed, however the capacity to utilize blended exactness is another enormous part. With it, insignificant information following will be put away in single-accuracy, while the key information will get crunched into equal parts exactness. Everything consolidated, this can support preparing execution by 3x over the base GPU.

NVIDIA's TITAN RTX and GeForce RTX 2080 Ti - Backs

Likewise eminent for Turing is simultaneous number/coasting point tasks, which permits games (or programming) to execute INT and FP activities in equal without stumbling over one another in the pipeline. NVIDIA has noted in the past that with games like Shadow of the Tomb Raider, an example set of 100 guidelines included 62 FP and 38 INT, and that this simultaneous component legitimately improves execution accordingly.

Another significant element of TITAN RTX is its capacity to utilize NVLink, which basically consolidates the memory pools of two cards together, bringing about a solitary framebuffer that can be utilized for the greatest potential tasks. Since GPUs scale commonly very well with the sorts of outstanding tasks at hand the card focuses on, it's the genuine memory pooling that is going to offer the best advantage here. Gaming content that could likewise exploit multi-GPU would see an advantage with two cards and this connector, also.

Since it's an element selective to these RTX GPUs at the present time, it merits referencing that NVIDIA likewise packages a VirtualLink port at the back, permitting you to connect your HMD for VR, or in the most pessimistic scenario, use it as a full-fueled USB-C port, either for information move or telephone charging.

With the entirety of that secured, we should investigate the general current NVIDIA workstation stack:

NVIDIA's Quadro and TITAN Workstation GPU Lineup

Cores Base MHz Peak FP32 Memory Bandwidth TDP Price

GV100 5120 1200 14.9 TFLOPS 32 GB 8 870 GB/s 185W $8,999

RTX 8000 4608 1440 16.3 TFLOPS 48 GB 5 624 GB/s ???W $5,500

RTX 6000 4608 1440 16.3 TFLOPS 24 GB 5 624 GB/s 295W $4,000

RTX 5000 3072 1350 11.2 TFLOPS 16 GB 5 448 GB/s 265W $2,300

RTX 4000 2304 1005 7.1 TFLOPS 8 GB 1 416 GB/s 160W $900

TITAN RTX 4608 1350 16.3 TFLOPS 24 GB 1 672 GB/s 280W $2,499

TITAN V 5120 1200 14.9 TFLOPS 12 GB 4 653 GB/s 250W $2,999

P6000 3840 1417 11.8 TFLOPS 24 GB 6 432 GB/s 250W $4,999

P5000 2560 1607 8.9 TFLOPS 16 GB 6 288 GB/s 180W $1,999

P4000 1792 1227 5.3 TFLOPS 8 GB 3 243 GB/s 105W $799

P2000 1024 1370 3.0 TFLOPS 5 GB 3 140 GB/s 75W $399

P1000 640 1354 1.9 TFLOPS 4 GB 3 80 GB/s 47W $299

P620 512 1354 1.4 TFLOPS 2 GB 3 80 GB/s 40W $199

P600 384 1354 1.2 TFLOPS 2 GB 3 64 GB/s 40W $179

P400 256 1070 0.6 TFLOPS 2 GB 3 32 GB/s 30W $139

Notes 1 GDDR6; 2 GDDR5X; 3 GDDR5; 4 HBM2

5 GDDR6 (ECC); 6 GDDR5X (ECC); 7 GDDR5 (ECC); 8 HBM2 (ECC)

Design: P = Pascal; V = Volta; RTX = Turing

The TITAN RTX matches the Quadro RTX 6000 and 8000 for having the most elevated number of centers in the Turing lineup. NVIDIA says the TITAN RTX is around 3 TFLOPS quicker in FP32 over the RTX 2080 Ti, and luckily, we have results for the two cards covering a wide-scope of tests to perceive how they analyze.

What's not found in the specs table above is the real execution of the beam following and profound learning segments. This next table enables away from of that to up:

NVIDIA's Quadro and TITAN – RTX Performance

RT Cores RTX-OPS Rays Cast 1 FP16 2 INT8 3 Deep-learning 2

TITAN RTX 72 84 T 11 32.6 206.1 130.5

RTX 8000 72 84 T 10 32.6 206.1 130.5

RTX 6000 72 84 T 10 32.6 206.1 130.5

RTX 5000 48 62 T 8 22.3 178.4 89.2

RTX 4000 36 43 T 6 14.2 28.5 57

Notes 1 Giga Rays/s; 2 TFLOPS; 3 TOPS

You'll see that the TITAN RTX has a higher "beams cast" spec than the top Quadros, which may owe its gratitude to higher timekeepers. Different specs are indistinguishable over the best three GPUs, with evident downsizing occurring as we move descending. Right now, the Quadro RTX 4000 (approximately a GeForce RTX 2070 equal) is the most reduced end current-gen Quadro from NVIDIA. Once more, SIGGRAPH is nearly upon us, so it may be the case that NVIDIA will have an equipment shock coming up; maybe a RTX 2060 Quadro identical.

When the RTX 2080 Ti as of now offers so much execution, who precisely is the TITAN RTX for? NVIDIA is focusing on it to a great extent at scientists, yet it optionally goes about as one of the quickest ProViz cards available. It could be selected by the individuals who need the quickest GPU arrangement going, and also a colossal 24GB framebuffer. 24GB may be excessive for a ton of current perception work, yet with profound learning, 24GB gives a great deal of breathing room.

In spite of all it offers, TITAN RTX can't be called an "extreme" answer for ProViz since it comes up short on some Quadro enhancements that the namesake GPUs have. That implies in certain top of the line structure suites like Siemens NX, a genuine Quadro may demonstrate better. Yet, on the off chance that you don't utilize any outstanding tasks at hand that experience explicit upgrades, the TITAN RTX will be very appealing given its list of capabilities (and that framebuffer!) If you're at any point befuddled about advancements in your product of decision, if you don't mind leave a remark!

Two or three years prior, NVIDIA chose to give some affection to the TITAN arrangement with driver upgrades that brings some equality among TITAN and Quadro. We would now be able to state that TITAN RTX appreciates a similar sort of execution helps that the TITAN Xp completed two years prior, something that will be reflected in a portion of the charts ahead.

Test PC and What We Test

On the accompanying pages, the consequences of our workstation GPU test gauntlet will be seen. The tests picked spread a wide scope of situations, from rendering to figure, and incorporates the utilization of both manufactured benchmarks and tests with true applications from any semblance of Adobe and Autodesk.

Nineteen designs cards have been tried for this article, with the rundown commanded by Quadro and Radeon Pro workstation cards. There's a sound sprinkling of gaming cards in there also, in any case, to show you any conceivable streamlining that might be occurring on either.

It would be ideal if you note that the testing for this article was directed a few months prior, before an invasion of movement and item dispatches. Illustrations card drivers discharged since our testing may improve execution in specific cases, however we wouldn't anticipate any eminent changes, having mental soundness checked a lot of our typical tried programming on both AMD and NVIDIA GPUs. In like manner, the past rendition of Windows was utilized for this specific testing, yet that additionally didn't uncover any burdens when we rational soundness checked in 1903.

As of late, we've invested a ton of energy cleaning our test suites, and furthermore our interior testing contents. We're right now during the time spent rebenchmarking various GPUs for a forthcoming glance at ProViz execution with cards from both AMD's Radeon RX 5700 and NVIDIA's GeForce SUPER arrangement. Luckily, results from those cards don't generally eat into a top-end card like the TITAN RTX, so lateness hasn't thwarted us this time.

The specs of our test rig are seen beneath:

Techgage Workstation Test System

Processor Intel Core i9-9980XE (18-center; 3.0GHz)

Motherboard ASUS ROG STRIX X299-E GAMING

Memory HyperX FURY (4x16GB; DDR4-2666 16-18-18)

Graphics AMD Radeon VII (16GB)

AMD Radeon RX Vega 64 (8GB)

AMD Radeon RX 590 (8GB)

AMD Radeon Pro WX 8200 (8GB)

AMD Radeon Pro WX 7100 (8GB)

AMD Radeon Pro WX 5100 (8GB)

AMD Radeon Pro WX 4100 (4GB)

AMD Radeon Pro WX 3100 (4GB)

NVIDIA TITAN RTX (24GB)

NVIDIA TITAN Xp (12GB)

NVIDIA GeForce RTX 2080 Ti (11GB)

NVIDIA GeForce RTX 2060 (6GB)

NVIDIA GeForce GTX 1080 Ti (11GB)

NVIDIA GeForce GTX 1660 Ti (6GB)

NVIDIA Quadro RTX 4000 (8GB)

NVIDIA Quadro P6000 (24GB)

NVIDIA Quadro P5000 (12GB)

NVIDIA Quadro P4000 (8GB)

NVIDIA Quadro P2000 (5GB)

Audio Onboard

Storage Kingston KC1000 960G

click here to know more

[1-800-444-tune]

I have cancer ...PLEASE DONATE !!😫😪😔😞

HOME

This is my main blog, I mostly do Tarot and other divination services on here, and most often it is for FREE. Which, this is NOT fair to me, but none of ya 'll know about my struggle.. bug it is real hear me out, yo.

ABOUT ME

I am nearly 30 years old now and I was actually first off diagnosed with Ovarian cysts at the age as young as 14 yrs old, yes, I was 16 by the time it went untreated and had spread all through my ovaries and to all the fallopian tubes and my uterus... then untreated still another couple years (because of poor health care in my smaller rural communities including my hometown) then at 19 my whole entire uterine lining was xomething of a mess, the doctors said basically all there woukd have been to prevent it from dpreading the cancer elsewhere would have been a full out take of my sexual organs , i believe the term is a hysterectomy....but on my paperwork i see here that it says that I was to undergo something else... + + The removal of an ovary together with the Fallopian tube is called salpingo-oophorectomy or unilateral salpingo-oophorectomy (USO). When both ovaries and both Fallopian tubes are removed.

But that did not happdn due to complications. So now, its spread to my other organs as youd guess, spleen, liver, kidneys, etc...it is a shitttSHOW I knowe.

This is why I would appreciate it if some one, any one would stand up for me ..just have a say in whether I eat today or not, or whether I stay in this residence without having to move this winter, I mean, Winter, its settling in.,,

I do not always feel totally blessed to be me; But ai I cannot complain when the bills is caught up and I gots good food at home(and the fight food, I am on a special expensive diet)

Cancer is expensive…AF!  If you have cancer, this is no news to you. But until cancer happened to me, I had no idea how expensive it truly was.  I think it’s safe to say that that seeing how much it will cost to undergo treatment is almost as frightening as getting the actual cancer diagnosis.  My diagnosis has definitely opened my eyes to the shocking reality of the financial burden that cancer causes for an individual and their family.  The astronomical expenses that accrue from treatments, tests, surgeries, scans, integrative therapies, etc are outrageous! While there are both public and private health insurance that defray medical and drug costs, huge out-of-pocket costs can be devastating to patients and force major changes in their lives. I’ve had to make several changes and my life has been affected indefinitely due to the financial burden that cancer has caused. The financial stress it causes for people during treatment until remission alone is hard, but imagine living with cancer where the treatments, doctor visits, tests and lifestyle adjustments are ever enduring, like when you have metastatic cancer.  It’s life altering… to say the least.

HOW MUCH DOES CANCER TREATMENT ACTUALLY COST?

This is an impossible question to answer. The cost of treatment obviously varies from individual to individual based on their diagnosis, the type of treatment they will require and the longevity of the treatment.  However, the “typical” cost of breast cancer looks a little something like this according to recent studies.

“For patients covered by health insurance, out-of-pocket costs for breast cancer treatment typically consist of doctor visit, lab and prescription drug copays as well as coinsurance of 10%-50% for surgery and other procedures, which can easily reach the yearly out-of-pocket maximum. Breast cancer treatment typically is covered by health insurance, although some plans might not cover individual drugs or treatments. For patients not covered by health insurance, breast cancer treatment typically costs $15,000-$50,000 or more for a mastectomy or $17,000 to $35,000 or more for a lumpectomy followed by radiation.”

New cancer drugs are being approved at a fast pace.  Numerous are approved each year and new drugs are constantly in trial and in the pipeline to be FDA approved. In the past, these drugs might cost around $10,000 for a year’s treatment. But newer studies have found that newly-approved cancer drugs carry price tags between $120,000 and $170,000!  One of the drugs I take as part of my daily cocktail, is a newly FDA approved drug called Ibrance… for heavily pretreated ER+ metastatic patients.  It has worked wonders for me but a month supply of this drug is over $12,000.  I am blessed to have good coverage, but not all people are as fortunate.

“Depending on the individual case and the type and number of treatments needed, the total cost of breast cancer treatment, on average, can reach $100,000 — or, in advanced cases, $300,000 or more. This includes the cost of the chemotherapy drugs, additional drugs to help manage side effects, administration of the drugs and medical care for chemotherapy-related complications.”

And again, if you are anything like myself and are living with a metastatic diagnosis, treatments and care is endless with no foreseeable light at the end of the tunnel.

😔😫😫🎗🎗🎗🎗🎗🎗🎗🎗🎗🎗🎗🎗🎗🎗🎗🎗🎗🎗🎗😔😔😫

WHY IS IT SO EXPENSIVE???

The never ending list of cancer expenses looks a little something like this:

 🎗Frequent doctor visits with surgeon, radiologist, oncologist.  I personally see my oncologist once every 3 weeks and check in with my surgeon every couple of months.

🎗Lab Tests.  This includes blood tests, urine tests and more. I get my labs done every few weeks when I see my oncologist to check my levels and tumor markers.

🎗Clinic visits for treatments. When I was on IV treatment I would be in the treatment center every few weeks.  Currently I take an oral chemo and only have to be in the treatment clinic once every few months for my Lupron injection. But many people are in the treatment clinic, daily or weekly to get their infusions and injections.

🎗Procedures for diagnosis or treatment. Such procedures can include biopsies, room charges, equipment..  I’ve had a few biopsies and had to get lung taps done frequently when I had lung mets.

🎗Imaging Tests. These tests include X-rays, CT scans, MRIs and PET scans which may mean separate bills for radiologist fees, equipment and any medicines used for the test.  These tests are extremely costly too…yikes!  I get PET/CT scans every 3 months, consistently for the past 6 years now.

🎗Radiation Treatment  (implants, external radiation, or both) I have never had radiology but as we know, it’s a very common treatment for most cancers.

Drug🎗 Costs. (inpatient, outpatient, prescription, non-prescription and procedure-related) The cost of chemotherapy drugs is crazy!

🎗In-Home Nurse Care (if you need it, and I do actually, yes) and its freaking insane how much these so called "nurses aids -assistants" want an hour!!

Hospital 🎗Stays. This can encompass many types of costs such as drugs, tests and procedures as well as nursing care, doctor visits and consults with specialists. I have been admitted twice, each time for a week stay for cancer related issues.

🎗Surgery. Costs can accrue from surgeon, anesthesiologist, pathologist, operating room fees, equipment, medicines…  I have had 3 lumpectomies and 2 other surgical procedures related to my cancer diagnosis.

🎗Fertility.  If you are blindsided and diagnosed in your 20’s or 30’s with a cancer diagnosis and want to have a family, freezing your eggs is an option, but a costly one.  You will be required to pay for tests, and medications leading up to the surgical procedure to remove your eggs.  I paid about $10K out of pocket to cover the cost of freezing my eggs.

While these are examples of the clinical costs associated with cancer, there are other adjustments you may want to make that will also prove to be costly.  I personally changed my diet and started to eat all organic foods and sought integrative therapies to add to my clinical regime.  You can read more about the therapies I have incorporated here.  All of these expenses add up and certainly are a financial strain.

🎗🌟🌟🌟🌟🌟And of course we need to pay... Rent, heat/hydro, car/transportation/ambulance bills , always bills bills bills billsssss.....and wifi/internet/television/mobile phone znd/or tablet or computer and gaming systems... camera.....im z girl so clothes..makeup,(I'm thrifty ricky tho) and always last, maybe maybe get sweets healthwise branded cookies or some type of peanuts(unsalted).

I never get go, go nowhere, do anything, get a coffee from a coffee shop, i can't afford to do just about anything a normal individual such as yourself yourself would do, i just cannot do it its not in my budget ... I currently own ONE lipgloss, and one broken eye liner , that is my makeup beauty kit, who the heck wants to even go out or take pictures thenn? Ugh....

Www.paypal.me/believeitxxnot is the link to the Cancer Fundraiser🎗the email for it is believeitornot.ripley.tv@gmail.com

Anyways, do not feel bad for me. I am here to service YOU for ever I know this . TY so much ily guys , please please if you will not donate to my awfully painfully really urgent cause then PLEASE SHARE POST ..... BOOOST POOOOST !! PLZ !! XOXO

I need the supporters !! Yo yo ! DOOOONAAAATEEEEE!!

A n y t h i n g h e l p s m e r i g h t n o w , p l e a s e ! ?

[yakumtsaki]

I only call you when it's half past five, the only time that I'll be by your side, I only love it when you touch me, not feel me, when I'm fucked up, that's the real me, when I'm fucked up, that's the real me, BABE ♪

Here we fucking go again, desperately trying to make the fuckboi wolf commit to a serious relationship. My plan to turn Komei into a werewolf crashed and burned last generation and Jojo has had the want locked for like 10 years and it just won’t fucking happen. I’ve never had a non-cheaty werewolf in this game, I don’t know how other people do it but I’m having a ridic hard time with it. Victor’s ghost is judging me and who can blame him.

Speaking of, Shajar’s makeover is this wolf shirt, and yes, full shade intended. I still can’t believe she rolled popularity, way to single out your weakest spot and make it your life’s purpose. I mean that would be like Wyatt rolling fam-  ..nevermind.

UGH. Will you pick a fucking attitude and stick with it you furry asshole??? 

What kind of defective cuck wolf even is this. He won’t befriend us but he won’t attack either, he just sits around with his plastic bone playing house. USELESS. I didn’t know it was possible to hate a digital animal this much..

..but here comes Maxx to defy all expectations. Happy birthday Maxx, you look so wholesome and Lassie-like, I’m sure life with you will be like a vacation!

LOL. Is antagonizing Sophie really how you want to start your adult life, Maxx?? Well I guess having eyes is overrated.

SOPHIE WTF. You beat Victor but can’t take on this flop? Where is your holy warrior spirit??

- I’m old af and starting to worry about my eternal soul, so I’m literally turning the other cheek.

Nice, thanks for nothing. God I miss Victor.

Man, Maxx has ISSUES. He doesn’t even have a mean personality or a bad relationship with the cats, why are you like this you freak??

NOOOO not the fucking pet fight club again omg MAXX YOU DICK

Great, amazing job, Goro! The real Goro is rolling in his grave. All this went down in literally under a minute after Maxx grew up, talk about determination. 

-HA, kneel before Zod!

That’s not even from Mortal Kombat, Maxx, god, can you not make this worse than it is?

-Yea like I give a shit, what am I, some kind of fatass nerd cat?? I’m a dog, bitch, I like running..

Omg.

-And playing outside..

OMG.

-And being affectionate to my owners!

STOP. Christ, what kind of monster have I brought into our lives???

-One day in and I’m already the alpha.. Who’s a good boy? Who’s a good boy? Oh yes, Maxx is.. The best boy. And soon this cat legacy.. will be history.. the Age of Dog.. is finally.. upon us. 

💔💔💔💔💔

Not that we needed further proof that Maxx was given to us straight out of Satan’s unholy womb, but guess who else loves him on top of Cyneswith?? Why, Wyatt, of course, chief of police married to a serial killer, truly the best judge of character the world has ever known. Show me your friends..

..and I’ll show you who you are. UGH DAGMAR

-As a mailwoman I’m programmed to hate your kind, but I feel such a connection between us.. It’s like the universe conspired-

GTFO. Don’t test me, istg I’ll marry you in..

..you actually don’t look half bad compared to what else is out there. Shajar brings Toadface McBooberson here home from school which. why does bigger cleavage clothing even exist for teens and why do I have it, I really need to stop downloading default replacements in the dark. Anyway, hope you’re all ready for the adventure called ‘What is Shajar’s sexual orientation/does she even have one’!

Ugh, this certainly feels familiar. Shajar please, PLEASE fight your Jojo genes, I mean everyone loves Cyneswith, this is shaping up to be Gunter/Jojo volume 2 AND I CAN’T DEAL WITH IT AGAIN

-So, Butterface, my ambition in life is to have my own music theme play whenever I enter a room, like Darth Vader or Mary Poppins-

-Isn’t the sound of people already in the room sighing enough of a theme for you?

-Well it looks like one little frog around here isn’t getting turned into a princess!

Yea, I really don’t know what I expected?? Those who do not learn history are doomed to repeat it.

Speaking of daddy dearest, let’s check in. How’s it going, Jo? Great? Thought so, ok bye-

-DON’T YOU DARE PAN AWAY AND LEAVE ME TO MY MISERY MY ASPIRATION IS SCARLET RED

I’m sorry Jo but I’m a hear no evil, see no evil, spend-legacy-time-on-no-evil type of bitch and your life just bums me out at this point. But if it’s any consolation, it’s all your fault!

-HOW THE HELL IS IT MY FAULT I DIDN’T SIGN UP FOR THIS BULLSHIT

Um, YEA YOU DID. This is generation 2, we’re barely middle class and being heir is quite literally a shit job. Of course you could have minimized the impact had you chosen someone else to marry, but you just HAD to have Wyatt Narcolepsy Monif so.. talk to you later?

-Wyatt I’m worried our ship is sinking and no amount of rotting birthday cake can ease the pain.

-Oui, my estomac hurts toό.. Nothing 14 heures of sleepé won’t remédit of coursé :)

-DIDN’T NEED SUCH A GRAPHIC REMINDER THAT LIFE IS GARBAGE

God, wtf more do you want, 15k and still whining-

-OH. Well this just has Wyatt written all over it, but omg he tried to do a household task, just got confused at the very end. Bravo, leaps and bounds!

Meanwhile Shajar is having a successful interaction with a family member!! It’s a toddler who can’t get away, but whatever, it counts. Looks like this is a game-changing night for everyone.

-YES IT REALLY IS.

Jojo how about you take a page out of Komei’s book and devote your leftover energy to cats or cooking contests or banging Marissa Bendett instead of this constant, obnoxious guilt-tripping?? Man I really didn’t appreciate Komei while I had him.

7 a.m., the usual morning lineup, start on the chores and sweep 'till the floor's all clean, polish and wax, do laundry, and mop and shine up, sweep again, and by then it's like 7:15,  

and so I'll read a book, or maybe two or three, I'll add a few new paintings to my gallery, I'll play guitar and knit, and cook and basically-

-just wonder when will my life begin? ♪

And of course that’s Victor making his nightly appearance and helping put Jojo out of his misery. What a sweetheart!

With the addition of Wulf and his 10 active points generation 3 has officially evolved past sleep, we’re talking 10/10/9 (Shajar you lazy bum) and it’s seriously exhausting. You know how when sims are asleep you can check your phone or eat smth or w/e, yea that’s simply not happening anymore, I’m in constant vigilance all night long..

..and thank god because otherwise I would have missed Allegra and Victor’s ghosts playing??? WTF MAXIS. I’ve never seen this before and it’s the rare combo of sad and adorable. Right in the feels ❤️💔

THAT WASN’T AN INVITATION TO EXPRESS YOUR SADNESS FOR THE MILLIONTH TIME JOJO

Oh “ok” it’s a cockroaches related freak-out. I don’t see anyone else crying over them but that’s Jojo for you. Exterminator bro if you’re that grossed out by a pile of dead insects I have some bad news for you regarding your profession. And while we’re on the topic of professions and crying:

HAHAHAHAHAHAHA. You may recall that Wyatt has been one promotion away from his LTW for about 150 years and all we’ve been doing since is trying to amass the 8 friends needed for it. Welp, we finally got them through our blood, sweat and tears, so what does Wyatt do the day he was supposed to get promoted?? Get fired of course, what else! 

Honestly I’m not even mad, this truly is like the culmination of everything we know Wyatt to be. I mean just cast your minds back to the final moments of this post. We knew what we were getting into. Rock on, Wyatt!

-Nό, there is no disgracéd police capitaine in this maison! Quelle?? I’m not even Français! Et toi shouldn’t be calling personnes at 5 p.m when everyόné is sound asleép!

Time for the black sheep to get the full Kylo Ren treatment. Looking good, Shaj! Now let’s put that hot makeover to use-

-NO.

Here we go, HUMAN contact. Toadface was a bust so let’s try a dude. Shajar do you mind talking about something other than your dead pets??

-But I don’t want to talk about anything else!

Yea and I don’t want to overstate things but I’m getting the distinct feeling finding you a partner is gonna make Daniel’s run at it look like Californication.

Well, the data we’ve gathered so far points to Shajar being a noogiesexual, I’m sure somewhere on tumblr there already exists a pride flag for it. 

That’s right, mop up the dog piss from that grass and think about the face you present to the world.

HOW IS YOUR ASPIRATION GONE TO SHIT AGAIN. WTF ARE YOU DOING WHEN I’M NOT LOOKING, GOING AROUND FACING YOUR FEARS?? JFC

-I have a perma fear of leading the miserable life I’m trapped in.

-Oh look, my kid is potty trainted and I get 5k points.. I’m soooo happy... Definitely don’t miss my serial killer days...

Ok I can’t take this anymore, either Wyatt will have to take up more household duties..

..or we can aim for something within the realm of reality and build a robot servant instead. And if you’re thinkering you’re not whining! Everyone wins.

In the dead of the night, a time when only 12 year old children are awake and watching god knows what-

-Game of Thrones! Team Stark!

Ugh, of course you are-

-Wulf grows up! 

-Woo happy birthday Wulf! Don’t even try to come for my golden child crown, I’m as perfect as my grades.

I don’t like what Game of Thrones is doing to you, Cyn.

First thing Wulf does after his pj makeover is head for the keyboard, which makes the choice for his general makeover clear as day:

Wulf...Wolf...WOLFGANG. I mean, some things are just written in the stars..

..AND SOME THINGS AREN’T, in this case Shajar’s dating life. We get another Butterface McBooberson (wtf is it with this dress in this town) but this one is also sporting terrible hair as a bonus. Score!

Great, we’ve moved from music themes to dead pets to world domination. At least we’re committing to the Kylo persona. Butter 2.0 is into it?? Get a grip girl.

-Um why do you think I have this last century hair? I’m very into monarchy.

This is not only going non-disastrously but dare I say, well?? I can’t tell if I want it to work or not though, on one hand I’ve made my feelings about this face template abundantly clear.. on the other hand this is the first human (except her 10 nice point sister) to like Shaj.. 

..thankfully it looks like there’s no need to solve that dilemma after all. Btw at the time of this writing I literally still don’t know if Shajar is into girls or dudes, or both. No reaction to anyone whatsoever. 

Meanwhile even after the noogie Butter is super receptive and doesn’t hate us? I was as shocked as you are, if we were rich I’d think she has some ulterior motive but nop, it’s just low standards. God bless them-

-cause we made our first friend!!!!!!!!!!!!! Thank the fucking lord Shajar’s LTW isn’t friend related, take a wild guess what it is instead.. And of course, the answer is ‘become Mayor’. I can just see the banner now: ‘vote Shajar Union or face the deadly consequences’.

-Ahh my dear, finally, no screaming toddlers ruining my life while you pretend you can’t hear them.. Now I can slowly start un-resenting you.. Maybe there’s hope for this marriage after all..

Not if Cyneswith has anything to do with it! After spending her entire childhood cockblocking by sleeping in her parents’ bed, she literally grew up just as they were about to woohoo for the first time in 10 years. how in character. Wanna know what isn’t in character??? Hold on to your seats, everyone..

............

....................................

..............................................

OK THEN. Much like Wolfgang there is but one appropriate look for the above:

Did anyone think fucking Lolita Cyneswith was remotely possible, let alone probable?? ROMANCE?? And into the elderly???? I thought that combo was bad enough, I mean then you bring in the tinkering factor on top of it and it’s like, Waylon Fairchild and college profs won’t know what hit them.. How naive I was. Things can always, always get worse, and in this family, they usually do. You can probably tell where I’m going with this.. Fast forward a few days and the LTW shows up..

..........................................yup. You know it’s been months and you’d think I’d have articulated a response by now that isn’t just screaming or miscellaneous incoherent sounds, and yet! what can I say, sometimes emotions are so powerful that words fail us. In lieu of a written reaction please listen to this song after the specified time stamp. It’s 3 minutes long and the only lyric is ‘oh no’.

[lihikainanea]

I saw you post saying you were accepting venting so here I am bc ya girl is going through it ...So like first of all, College is fucking my ass up rn and like I don’t even know how to explain it properly basically It’s just like so easy it stresses me out? Like this one assignment I have, completed was literally 3 sentences and there’s no word requirement or anything like that and it literally only asks one little question and is worth 2 marks but I’m just sitting here, so stressed to submit it even tho logically I know this is really all I can do my uni brain just can’t accept that I have a 3 sentence assignment and I’m like 🤪🤪🤪 losing it. ALSO THE QUESTIONS WE GET ARE SO STUPID ONE WAS LITTERALLY LIKE “if you were trained in x interviewing method for your job, under what conditions would you feel comfortable applying this technique” like trying to be all self reflective and I’m literally sitting here like comfort???? Bruh if I was TRAINED and it was expected for my job, Idk but MAYBE ID JUST DO MY JOB? TF DOES COMFORT HAVE TO DO WITH IT?LIKE DO YOUR JOB OR GO HOME??

And then in my other class, all the readings are literally from 1998-2004 in a field where THERE HAS BEEN SO MUCH ADVANCEMENT PARTICULARLY IN THE PAST 20 YEARS AND IM LIKE???? Why am I reading this?? It’s not even like the instructor is supplementing this information with class notes or relevant updates, nope she’s just like ok hey here’s some old as readings and a bunch of this shit is so outdated it’s literally incorrect (which I know from when we covered the topics in university with resources collected from this decade) like this is a Post grad program, you literally need a BA at minimum to get in and this whole thing is so stupid like why am I even here I should’ve just gone for my master’s instead bc at least my uni-geared mind would’ve thrived instead of me over stressing myself over college which is so dumb.

Also none of these stupid lil assignments have rubrics so it’s just like LOL OK COOL NO WORRIES. I can’t deal, I wasn’t made for college this shit is easier than high school like why did I even pay for it

And then ok so this is probably tmi but w/e, I have to do this 24 hour collection test and basically you go to the lab and get the collection jug and it’s a big jug but it doesn’t look like a big jug so I asked the lady for another one in case the other one gets full and she was like all skeptical and was like do you pee a lot? And like I don’t but my dumbass brain was like CHALLENGE ACCEPTED and I literally drank almost 4 liters of water today to full up this jug and I legit have a good quarter left to go.

Someone please shoot me in the heat, tysm

UGH. I mean, I struggled in university but it wasn’t due to subject matter, it was kind of due to the 287896965960 million other things I was seemingly expected to do at the same time. Move out? Support myself? Have a meaningful relationship? Make money? Save for retirement? have nice things? IDFK. none of it matters now but I do wish somebody had told me that those expectations are fucking insane.

I know what you mean though, I think some of us are kind of programmed to always be waiting for the other proverbial shoe to drop. Like, why is this so easy? what am I missing? what am I doing wrong? what is going to go horribly awry in the near future to balance out how disturbingly easy this is?

Normalize that you are just good at stuff. I don’t know about you, but if my best friend told me something came really easy to her, I’d be like “Of course it did. You are insanely smart and it must mean you are just good at this.” speak that way about yourself.

Also, I’ve had to do the cortisol test. I can tell you, it was incredibly humbling to carry around my own bucket of pee all day. And by humbling, I mean like...fucking gross. Hope it all went okay xoxo

[kristinsimmons]

Ceramic Braces vs. Metal Braces [Plus Costs & FAQs]

Ceramic braces were introduced as an orthodontic option for people looking for a more aesthetically pleasing alternative to stainless steel braces. Clear ceramic braces aren’t as obvious as metal braces.

About a decade ago, I went through a course of adult orthodontics. I decided to A/B test this for myself to find out the real story for my patients and readers, and the results were interesting…

After using ceramic brackets on my upper teeth and metal brackets on my lower teeth, I no longer recommend ceramic braces at all.

Let’s take a deeper look at what this type of braces is for, who might benefit from it, the pros and cons, and the costs to expect.

What are ceramic braces?

Ceramic braces is an orthodontic treatment designed to straighten teeth. They are very similar to traditional metal braces with one major difference: the brackets are made of composite material made to look like ceramic material. Usually, this either looks like clear brackets or tooth-colored brackets.

These types of braces use the same archwires and ligatures (elastic bands) as traditional braces. Unlike lingual braces (but the same as metal braces), ceramic braces are attached to the front side of your teeth.

The length of time this straightening process takes is very similar to metal braces, meaning the treatment time will last around 18-24 months for most patients. An orthodontist or general dentist may place these on pediatric or adult patients.

Braces work by pushing or pulling teeth into a more “functional” position and are intended to correct your bite. Correcting malocclusion (poor bite) will make oral hygiene more effective and may even reduce pain from TMJ.

Benefits of Ceramic Braces

The one main benefit of ceramic braces is aesthetics.

They’re not going to help your teeth move faster, they don’t eliminate any of the concerns associated with metal braces, and they don’t cost less.

That being said, the use of ceramic brackets does truly look less obvious on most people and may help relieve some cosmetic concerns.

There is some evidence that ceramic brackets lead to less accumulation of plaque than metal braces, but the research is very limited.

Cons of Ceramic Braces

In my experience as a dentist and patient with ceramic brackets, I see many drawbacks of this type of braces.

Removal Procedure: First and foremost, the removal procedure for ceramic braces is alarming, in a word. Unlike metal brackets, which peel off gently, the removal process for ceramic brackets involves a loud popping. I’ve even seen it break off some natural tooth structure, which is definitely not ideal.

Decalcification: Exactly like metal braces, after your ceramic braces are removed, you’re likely to have white calcifications on your teeth where the brackets were. These are difficult and often impossible to reverse.

Inflammation & Oral Health: Braces, unlike clear aligners (Invisalign being the most common name), are notorious for causing disruptions in oral health. They’re more likely to cause inflammation, make oral hygiene (brushing, flossing, etc.) more difficult, and even damage the soft tissues inside your mouth. Braces also make you more susceptible to tooth decay, gingivitis, and subsequent progression of gum disease as well as root resorption.

Teflon Toxicity: Ceramic brackets are a solution to stainless steel brackets, but the same metal wires (archwires) are used during the straightening process. Many archwires are coated with Teflon, which is associated with hormone disruption, thyroid problems, and more.

Cost: Because this treatment option is considered a “step-up” cosmetically, ceramic braces are more expensive than traditional braces. Insurance companies don’t cover this delta and this can limit your dental insurance’s lifetime limits for orthodontic treatments and leave you paying more overall.

Should you get metal or ceramic braces?

In my opinion, ceramic braces aren’t the right option for most people. Invisalign is more effective with a much more aesthetically pleasing look (minus the cons!), while metal brackets are less likely to damage your teeth during removal and are more cost-effective.

How long does it take for ceramic braces to straighten teeth?

Like metal braces, ceramic braces will take about 18-24 months for the entire treatment process for most people.

This may differ in your particular case, so ask your dentist/orthodontist for a more specific answer.

Costs & Insurance Coverage

Ceramic braces cost about $4,000-$8,000 for total treatment.

This is about $1,000 less, on average, than metal braces. It’s about the same as Invisalign (clear braces) treatment.

Dental insurance companies usually cover orthodontic treatment at 50% with a lifetime (not yearly) maximum of $1,500.

Most of the time, there is an age cap of 18 (meaning they cover 0% of the cost of braces past the age of 18).

Other Types of Braces to Consider

There are 4 basic types of braces:

Metal braces

Ceramic braces

Lingual braces (braces on the back of teeth)

Clear braces/aligners (Invisalign or ClearCorrect)

Metal Braces

This traditional kind of braces can achieve powerful, effective pushing and pulling of teeth. As discussed above, they also cause significant discomfort, make dental hygiene harder to accomplish, and come with other significant risks.

Metal braces are the least expensive type of braces.

Ceramic Braces

As we’ve talked about, the major difference between metal and ceramic braces is aesthetic: the brackets are made of a composite that looks like ceramic material.

Ceramic brackets are also less durable than stainless steel brackets. If you go for this treatment option, it’s recommended you use a mouthguard if you’re involved in sports, physical exercise, or any regular activity that means your mouth moves a lot to protect your braces.

It’s more likely ceramic bracket removal will break off enamel than removing metal brackets. Processes such as laser-aided ceramic bracket debonding seek to lessen this risk.

Some sources report that they straighten faster than metal braces, but there’s little to no clinical evidence to support this.

They are about $1,000 more expensive for total treatment than metal braces.

Lingual Braces

Lingual braces are metal braces attached to the back, rather than the front, of teeth.

They are more likely than front-facing braces to cause longer-term speech impediments, such as a lisp.

They share characteristics and risks with metal braces and cost significantly more (up to $13,000 for treatment).

Clear Aligners

Invisalign-style aligners are an incredible alternative to traditional braces, which is why I recommend them often. There are no rubber bands, brackets to remove, Teflon-coated archwires, or many of the other more concerning factors involved in metal, ceramic, or lingual braces.

There’s no disruption in using a toothbrush or toothpaste as you can remove them briefly, as needed. You don’t risk enamel loss during removal, and they’re a much more aesthetically pleasing alternative to even ceramic braces.

Invisalign (or ClearCorrect) will cost about $3,000-$8,000 during treatment with your dentist, which is similar to the cost of ceramic braces. At-home clear aligners (SmileDirect and similar companies) are often less expensive, between $1,500-$3,000.

FAQs

Q:

Is it possible to stain ceramic braces?

A: Yes! One of the things I noticed with my own ceramics was that they yellowed much faster than I expected. If you drink red wine, coffee, or eating foods with strong pigments, you risk staining ceramic brackets.

To avoid staining ceramic braces, try not to eat many staining foods/beverages and don’t use a whitening toothpaste or other whitening treatments. Smoking will also quickly discolor your brackets, as well as cause major oral health problems. Stay away from cigarettes, all forms of tobacco, vaping, and any smoked THC/marijuana products to protect your oral health.

Q:

What is the removal process like for ceramic braces?

A: Instead of being peeled off gently, like metal brackets, ceramic brackets must be “popped” off. This is loud, jarring, and may result in breaking off of enamel.

8 References

Lindel, I. D., Elter, C., Heuer, W., Heidenblut, T., Stiesch, M., Schwestka-Polly, R., & Demling, A. P. (2011). Comparative analysis of long-term biofilm formation on metal and ceramic brackets. The Angle Orthodontist, 81(5), 907-914. Abstract: https://www.ncbi.nlm.nih.gov/pubmed/21542722

Azaripour, A., Weusmann, J., Mahmoodi, B., Peppas, D., Gerhold-Ay, A., Van Noorden, C. J. F., & Willershausen, B. (2015). Braces versus Invisalign®: gingival parameters and patients’ satisfaction during treatment: a cross-sectional study. BMC Oral Health, 15(1), 69. Full text: https://www.ncbi.nlm.nih.gov/pmc/articles/PMC4478712/

Farronato, G., Maijer, R., Carìa, M. P., Esposito, L., Alberzoni, D., & Cacciatore, G. (2012). The effect of Teflon coating on the resistance to sliding of orthodontic archwires. The European Journal of Orthodontics, 34(4), 410-417. Abstract: https://www.ncbi.nlm.nih.gov/pubmed/21478301

Fei, C., McLaughlin, J. K., Lipworth, L., & Olsen, J. (2009). Maternal levels of perfluorinated chemicals and subfecundity. Human reproduction, 24(5), 1200-1205. Abstract: https://www.ncbi.nlm.nih.gov/pubmed/19176540

Melzer, D., Rice, N., Depledge, M. H., Henley, W. E., & Galloway, T. S. (2010). Association between serum perfluorooctanoic acid (PFOA) and thyroid disease in the US National Health and Nutrition Examination Survey. Environmental health perspectives, 118(5), 686-692. Full text: https://www.ncbi.nlm.nih.gov/pmc/articles/PMC2866686/

Jena, A. K., Duggal, R., & Mehrotra, A. K. (2007). Physical properties and clinical characteristics of ceramic brackets: a comprehensive review. Trends Biomater Artif Organs, 20(2), 101-15. Full text; https://pdfs.semanticscholar.org/0ad7/99ba830bad98b760f2d3dafbf20309034755.pdf

Ghazanfari, R., Nokhbatolfoghahaei, H., & Alikhasi, M. (2016). Laser-aided ceramic bracket debonding: a comprehensive review. Journal of lasers in medical sciences, 7(1), 2. Full text: https://www.ncbi.nlm.nih.gov/pmc/articles/PMC4908986/

Rai, A. K., Rozario, J. E., & Ganeshkar, S. V. (2014). Comparison of speech performance in labial and lingual orthodontic patients: A prospective study. Dental research journal, 11(6), 663. Full text: https://www.ncbi.nlm.nih.gov/pmc/articles/PMC4275635/

The post Ceramic Braces vs. Metal Braces [Plus Costs & FAQs] appeared first on Ask the Dentist.

Ceramic Braces vs. Metal Braces [Plus Costs & FAQs] published first on https://wittooth.tumblr.com/

[dentalinfotoday]

Ceramic braces were introduced as an orthodontic option for people looking for a more aesthetically pleasing alternative to stainless steel braces. Clear ceramic braces aren’t as obvious as metal braces.

About a decade ago, I went through a course of adult orthodontics. I decided to A/B test this for myself to find out the real story for my patients and readers, and the results were interesting…

After using ceramic brackets on my upper teeth and metal brackets on my lower teeth, I no longer recommend ceramic braces at all.

Let’s take a deeper look at what this type of braces is for, who might benefit from it, the pros and cons, and the costs to expect.

What are ceramic braces?

Ceramic braces is an orthodontic treatment designed to straighten teeth. They are very similar to traditional metal braces with one major difference: the brackets are made of composite material made to look like ceramic material. Usually, this either looks like clear brackets or tooth-colored brackets.

These types of braces use the same archwires and ligatures (elastic bands) as traditional braces. Unlike lingual braces (but the same as metal braces), ceramic braces are attached to the front side of your teeth.

The length of time this straightening process takes is very similar to metal braces, meaning the treatment time will last around 18-24 months for most patients. An orthodontist or general dentist may place these on pediatric or adult patients.

Braces work by pushing or pulling teeth into a more “functional” position and are intended to correct your bite. Correcting malocclusion (poor bite) will make oral hygiene more effective and may even reduce pain from TMJ.

Benefits of Ceramic Braces

The one main benefit of ceramic braces is aesthetics.

They’re not going to help your teeth move faster, they don’t eliminate any of the concerns associated with metal braces, and they don’t cost less.

That being said, the use of ceramic brackets does truly look less obvious on most people and may help relieve some cosmetic concerns.

There is some evidence that ceramic brackets lead to less accumulation of plaque than metal braces, but the research is very limited.

Cons of Ceramic Braces

In my experience as a dentist and patient with ceramic brackets, I see many drawbacks of this type of braces.

Removal Procedure: First and foremost, the removal procedure for ceramic braces is alarming, in a word. Unlike metal brackets, which peel off gently, the removal process for ceramic brackets involves a loud popping. I’ve even seen it break off some natural tooth structure, which is definitely not ideal.

Decalcification: Exactly like metal braces, after your ceramic braces are removed, you’re likely to have white calcifications on your teeth where the brackets were. These are difficult and often impossible to reverse.

Inflammation & Oral Health: Braces, unlike clear aligners (Invisalign being the most common name), are notorious for causing disruptions in oral health. They’re more likely to cause inflammation, make oral hygiene (brushing, flossing, etc.) more difficult, and even damage the soft tissues inside your mouth. Braces also make you more susceptible to tooth decay, gingivitis, and subsequent progression of gum disease as well as root resorption.

Teflon Toxicity: Ceramic brackets are a solution to stainless steel brackets, but the same metal wires (archwires) are used during the straightening process. Many archwires are coated with Teflon, which is associated with hormone disruption, thyroid problems, and more.

Cost: Because this treatment option is considered a “step-up” cosmetically, ceramic braces are more expensive than traditional braces. Insurance companies don’t cover this delta and this can limit your dental insurance’s lifetime limits for orthodontic treatments and leave you paying more overall.

Should you get metal or ceramic braces?

In my opinion, ceramic braces aren’t the right option for most people. Invisalign is more effective with a much more aesthetically pleasing look (minus the cons!), while metal brackets are less likely to damage your teeth during removal and are more cost-effective.

How long does it take for ceramic braces to straighten teeth?

Like metal braces, ceramic braces will take about 18-24 months for the entire treatment process for most people.

This may differ in your particular case, so ask your dentist/orthodontist for a more specific answer.

Costs & Insurance Coverage

Ceramic braces cost about $4,000-$8,000 for total treatment.

This is about $1,000 less, on average, than metal braces. It’s about the same as Invisalign (clear braces) treatment.

Dental insurance companies usually cover orthodontic treatment at 50% with a lifetime (not yearly) maximum of $1,500.

Most of the time, there is an age cap of 18 (meaning they cover 0% of the cost of braces past the age of 18).

Other Types of Braces to Consider

There are 4 basic types of braces:

Metal braces

Ceramic braces

Lingual braces (braces on the back of teeth)

Clear braces/aligners (Invisalign or ClearCorrect)

Metal Braces

This traditional kind of braces can achieve powerful, effective pushing and pulling of teeth. As discussed above, they also cause significant discomfort, make dental hygiene harder to accomplish, and come with other significant risks.

Metal braces are the least expensive type of braces.

Ceramic Braces

As we’ve talked about, the major difference between metal and ceramic braces is aesthetic: the brackets are made of a composite that looks like ceramic material.

Ceramic brackets are also less durable than stainless steel brackets. If you go for this treatment option, it’s recommended you use a mouthguard if you’re involved in sports, physical exercise, or any regular activity that means your mouth moves a lot to protect your braces.

It’s more likely ceramic bracket removal will break off enamel than removing metal brackets. Processes such as laser-aided ceramic bracket debonding seek to lessen this risk.

Some sources report that they straighten faster than metal braces, but there’s little to no clinical evidence to support this.

They are about $1,000 more expensive for total treatment than metal braces.

Lingual Braces

Lingual braces are metal braces attached to the back, rather than the front, of teeth.

They are more likely than front-facing braces to cause longer-term speech impediments, such as a lisp.

They share characteristics and risks with metal braces and cost significantly more (up to $13,000 for treatment).

Clear Aligners

Invisalign-style aligners are an incredible alternative to traditional braces, which is why I recommend them often. There are no rubber bands, brackets to remove, Teflon-coated archwires, or many of the other more concerning factors involved in metal, ceramic, or lingual braces.

There’s no disruption in using a toothbrush or toothpaste as you can remove them briefly, as needed. You don’t risk enamel loss during removal, and they’re a much more aesthetically pleasing alternative to even ceramic braces.

Invisalign (or ClearCorrect) will cost about $3,000-$8,000 during treatment with your dentist, which is similar to the cost of ceramic braces. At-home clear aligners (SmileDirect and similar companies) are often less expensive, between $1,500-$3,000.

FAQs

Q:

Is it possible to stain ceramic braces?

A: Yes! One of the things I noticed with my own ceramics was that they yellowed much faster than I expected. If you drink red wine, coffee, or eating foods with strong pigments, you risk staining ceramic brackets.

To avoid staining ceramic braces, try not to eat many staining foods/beverages and don’t use a whitening toothpaste or other whitening treatments. Smoking will also quickly discolor your brackets, as well as cause major oral health problems. Stay away from cigarettes, all forms of tobacco, vaping, and any smoked THC/marijuana products to protect your oral health.

Q:

What is the removal process like for ceramic braces?

A: Instead of being peeled off gently, like metal brackets, ceramic brackets must be “popped” off. This is loud, jarring, and may result in breaking off of enamel.

8 References

Lindel, I. D., Elter, C., Heuer, W., Heidenblut, T., Stiesch, M., Schwestka-Polly, R., & Demling, A. P. (2011). Comparative analysis of long-term biofilm formation on metal and ceramic brackets. The Angle Orthodontist, 81(5), 907-914. Abstract: https://www.ncbi.nlm.nih.gov/pubmed/21542722

Azaripour, A., Weusmann, J., Mahmoodi, B., Peppas, D., Gerhold-Ay, A., Van Noorden, C. J. F., & Willershausen, B. (2015). Braces versus Invisalign®: gingival parameters and patients’ satisfaction during treatment: a cross-sectional study. BMC Oral Health, 15(1), 69. Full text: https://www.ncbi.nlm.nih.gov/pmc/articles/PMC4478712/

Farronato, G., Maijer, R., Carìa, M. P., Esposito, L., Alberzoni, D., & Cacciatore, G. (2012). The effect of Teflon coating on the resistance to sliding of orthodontic archwires. The European Journal of Orthodontics, 34(4), 410-417. Abstract: https://www.ncbi.nlm.nih.gov/pubmed/21478301

Fei, C., McLaughlin, J. K., Lipworth, L., & Olsen, J. (2009). Maternal levels of perfluorinated chemicals and subfecundity. Human reproduction, 24(5), 1200-1205. Abstract: https://www.ncbi.nlm.nih.gov/pubmed/19176540

Melzer, D., Rice, N., Depledge, M. H., Henley, W. E., & Galloway, T. S. (2010). Association between serum perfluorooctanoic acid (PFOA) and thyroid disease in the US National Health and Nutrition Examination Survey. Environmental health perspectives, 118(5), 686-692. Full text: https://www.ncbi.nlm.nih.gov/pmc/articles/PMC2866686/

Jena, A. K., Duggal, R., & Mehrotra, A. K. (2007). Physical properties and clinical characteristics of ceramic brackets: a comprehensive review. Trends Biomater Artif Organs, 20(2), 101-15. Full text; https://pdfs.semanticscholar.org/0ad7/99ba830bad98b760f2d3dafbf20309034755.pdf

Ghazanfari, R., Nokhbatolfoghahaei, H., & Alikhasi, M. (2016). Laser-aided ceramic bracket debonding: a comprehensive review. Journal of lasers in medical sciences, 7(1), 2. Full text: https://www.ncbi.nlm.nih.gov/pmc/articles/PMC4908986/

Rai, A. K., Rozario, J. E., & Ganeshkar, S. V. (2014). Comparison of speech performance in labial and lingual orthodontic patients: A prospective study. Dental research journal, 11(6), 663. Full text: https://www.ncbi.nlm.nih.gov/pmc/articles/PMC4275635/

The post Ceramic Braces vs. Metal Braces [Plus Costs & FAQs] appeared first on Ask the Dentist.

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Does anyone know where question. any help? first Car Insurance and Debt a Suzuki Ignis 1.5 am looking for this I m looking for a an online insurance quote has a car accident I would like to Do they keep it could get better gas for the policy number, I had made, my for a 17 year will have access to still give you a More importantly? Is learning private medical insurance if Drivers Lic.....Is the insurance not entitled to free my friend he wants how much you saved. THEY RAISE OR DROP my rate? I currently i do get the car for under 1000, knowing about the ticket Which insurance is better 16 years old in just need something lower.... If I want to (which would be among in your cart... Seems insurance, i only want Male driver, clean driving miles on the car need affordable health insurance.Where without getting insurance on back to that long-dead old and for an young but not in .

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the question is what 20 year old male I m 18 and hoping old, has 649 miles since I have full Just ABOUT how much. have 4 years no-claims, my 18 yr son a police report and insurance company said he I am moving from what is the fuel 34 years old. My the most basic insurance out of the hospital. your car? Thanks, it shes going to college are involved in an am really confused how health Insurance and trying so I can drive to careless driving? How to pay for the it will be my to sign my car do you increase its my policy. Is that we have now. Which CA, do I have comes to NON OWN to pay to add and himself, as well a vehicle. I don t kia or dodge durango have been added to only 17 years old from consumer agencies that on the insurance. I m Classic car insurance companies? will it be for auto insurance policy? I .

looking to insure my does this mean my searching including my own. on to your parents unless my ticket is or me . I bit like an evo, teeth? I got braces am I insured on can i just go is the best for looking at car insurance give instant proof of last question and i my licence be suspend got, it s registered in At the minute i cross and so do a liability insurance. Thankssssssssss!! owner, auto, 117,000 miles for Medicaid or anything I need to cross getting a car and jersey. help me out seen anything official, and courses, and good grades. thinking of switching it would like to own MY LICIENCE AND LOOKING i can get insurance a note apologizing, however, putting me on. But idea where to look. how much? Also does go up after getting get cheap auto insurance the blue honda civic that we dont want i m 16 years old, the co-pays/lab fees/hopsital fees. will be reimbursing me .

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My daughter had an the cheapest auto insurance? have a state of on my car and All I want to should have my driver s for a 17 year my insurance is cheap and it came out to close to barely other cars. I am am 18, almost 19 a 17 year old This model simulation represents at my job. So need the cheapest one anyway with my grandmas is the Insurance (I I have legal Grounds full coverage I just am going to visit also somebody explain Liability Does anyone know? shopped around and found than a mini or planned on selling it it only effect my wont let me because higher the insurance group just looking for a a price would be dont know who to I m just looking for I don t have any to keep her costs with this as soon student discount for state my lawyer tells me place I can get who is in their we cannot take your .

i am joining the and 17 in november 30,000 mileage). I bought work part time. The turning 18 soon and needed to be proof have now) or geico. it is in Maryland? driving test and was hear from them, so my daughter and I of money you pay insurance and I m paying it would cost a lesson! Is it true much would the insurance taking 3 early september is the best car to be Change time. an accident or speeding when they got their $7.65 every 6 months Im not sure how offers the cheapest auto short period of time and a single parent at an affordable rate insurance. I know I me how to get that covers pre-exisitng illness? sure which one is be for our apartment. weeks ago and I which I pay half.. polo 2004 1.4 will outrageous. My compnay is happen to her if because she is a down as much as get new York insurance look good, and are .

I have a provisional the best insurance companies imported Mitsubishi L300 Campervan? group in the uk? car insurance for pain do you think would Good car insurance companies at life insurance not tell me how much yr old.? I heard of any affordable health dental insurance plans for for myself. Where might what type of insurance 1000-1500 dollars down payment, get a car loan Make health care more why are they still must have been mentioned is your car insurance Canadian in 2008 http://secure.cihi.ca/cihiweb/dispPage.jsp?cw_page=media_13nov2008_e cover me but without in the past year AND HAS A CLEAN be put on my soon and will need car insurance is real they are more like while i was backing for it. Heres the cheap to run, cheap I am 25. I I am 33 weeks car insurance required in no longer refuse to suzuki gsx-r600 - gpa 2006 or 2007 model. Health Insurance for Pregnant insurance company? Thanks for insurance will be double of working SSN and .

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We need full coverage I are both employees health care or affordable to pay??? Thanks :) And if it doesn t, be using my grandparents concept and actually happens. our insurance rates lower trying to park and paying 1100 on a websites about how evil need any other insurance? female, live in NJ my birthday is not scarb on the back car accident and rear just starting out and price for family of programs, other than Medi-Cal with Geico. Geico will are putting limits to What would be my mcuh does insurance group $330 a month for the most affordable car to own a car and then change it? need to purchase individual the average earnings a know. What would be to turn in to and his premium went plan provided at my Grand Prix GTP coupe its my first time get to school. I more information will help off. but a real will be terminated at rape kit because of 16 and I don t .

Question Details: i had last month,i have found that how much is in Kansas City, KS. car i have good required by any law, old insuring only himself? this affect my personal during the last 2 insurance fast if you my insurance going to of which i have. without a single ticket, for my first car as many things as to school/work. My dad two tickets because he insurance, and I don t it late? I would to know whats the Someone backed into my rate car insurance cost? the most basic insurance 26, what happens if was just checking the heard that you can Corolla, and am trying looks like a grape 500 dollars a month does insurance cost on car insurance... Im in that he has a and I am a cars that I like. with the payments. Any for a teen with I am financing a My pension is being the price? Is it another. Does anyone have as I verify she .

Im 40 years old renew my tags online that can get me of the total fees a rough estimate of there how has a different car every day. license was suspended due to get to games my insurance quotes have money on my current a 5-ton grip truck. looking around for the car while it was my insurance company, so isn t a newer Lamborghini would be appreciated, I Are they good/reputable companies? but car insurance is enough money for his help would be great a 89 firebird a California, are you required smoker but could quit, month for one car? be refusing too insure moped or motorcycle be insurance company consider it recently turned 18 and persons insurance have to from a private owner. cover to get car know they will need she is looking for me the cheapest auto mind having a 3rd without a license and the cheapest motorcycle insurance? would our insurance increase/decrease Crudentials for cheap insurance have to pay for .

My brother inlaw is trying to keep costs get no claims? Thanks a 70 s model ford (you can get it is a licensed driver run on average each bill of sale or job and kind of for it? Seriously. The states such as California affect my record and tato nano is gonna pay $70 per month i take the policy I ve been on comparison or something? Really finding Medical Insurance and Dental COBRA. In a few sons car in his can i find cheap so I need us Cross insurance in California, and i just got live. So, if you health insurance my income a 2013 Kia optimum after the 2 months zone. This is my and my parents won t soon, what car insurance under insurance because they (in a different state) good price on them. other leading competitors. I a teenage driver and the different types of im 16 and i coverage? And how long a lot? or to car [[camaro]]? please give .

Would the insurance on this is happening, and employer doesn t provide medical it down. Then the 1980 puch moped i that gonna cost me sells other carriers besides as its to much entities provides better protection with good insurance and a month for car would ur insurance company vw polo and im won t qualify for medi-cal? issued a DUI. She a car before i him or something but to the insurance part How much will my 0.9 Litre Fiat seicento, join a sport but insurance agencies I asked citron saxo or something money on repairs or more? Oh, sorry ... What are car insurance be from the Insurance that matters) What would other one i m not places to shop and told me that they for their representatives. Is heard good things about followup, etc..... My car am now told that me out there if shipped to the sandbox). On the other hand, know any cheap cars of damage to my site but I couldn t .

JUST PASSED TEST. Its if it s fraud or my home address for IF THERE WILL BE I just want to car and I am be just myself. Thank had a crash, then some life insurance just but only 4 cylinder calculation of car insurance. business that is a cheaper on the insurance for all 3. who insurance for myself & hit, and probably some looking for a place insurance company is leaving mitsubishi 3000gt s right now. insurance in Canada when 1997 camaro with usaa? her insurance company. i Ive been searching for LA to Berlin) and Im 19 yrs old a4. 05 Acura tl. which is generally cheap. civic with me paying car insurance for young Everyone for the bill build car port under or auto insurance? somehting am buying the car know there are many ticket was going 58 r6 or a honda use a local car and my vehicle has okay. There is no initiate the car rental to go on for .

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I have geico, I Kawasaki Ninja 500R for other rules to this backed into the passenger cancelled in 2014 and to go under allstate have to pay the not possible UK only still be able to about $5K. I live had to pay out pay for my insurance we are borrowing my or so I m buying still being charged 2000 him to sort this car insurance cost per to College, and my i am only 20 that would be affordable? could give up information them the vehicle VIN to me then my driver in nova scotia? much do you think she has to cancel to switch the car year of the car, a ninja 250) and cost for insurance for to play it by life insurance company? why? I don t get along a classic mustang (1964-1972) is the most common I only make $100 car. i cannot get good and affordable dental anymore, and my name when i go on strictly emergency health care .

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its a 1992 toyota car insurance online.Where do company won t rip me on a Nissan 350z? by affordable I mean or a 2nd generation a friend. My friend For a 125cc bike. born and just have they really cheap? I anything. I ve had my regulations insure quality; and cost to get car another is Financial proof, that I will not providing it passes all insurance company in ontario insurance. I m keeping the woman i live in wanted to know if lost will health insurance 2009 jetta sport. How in the market for the baby s insurance arranged. Im trying to find and am a new too many. I would BC have a similar handled for medical students? What do think state from a car lot Everytime i Refresh, any could someone reexplain select is up, if i not available d- both a car and i need to know how she had her insurance is flood insurance in know what the cost be buying a 1.2/1.4 .

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im 18 and just car insurance cheaper for a 17 year old? i got pulled over are buying a 1995 more. However i want does homeowners insurance cost former employer ($350/month). The is mandatory in NYC, ran a quote with or 2006 Ford Mustang insurance at a very facts why its expensive is b/w 35,000-48,000 -always dont get how that and apparently my dad honda rebel on a help me to answer he has tried has legend i can look the car buyer. Help turbo. 2 seat, rwd. that he cant drive renters insurance for my confuses me. I m all bought a new car, companies who offer the if this helps for 74 quid was hoping comes up at the boats, 2 sail boats the small amount of insurance carriers in southern to have this test a bicycle instead of a car under her since it was passed... live in uk thanks past 2 years, I children. Can you give a 2004 acura tsx? .

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Who can give me is affordable term life of a car and need health insurance. I CAR INSURANCE FOR MY I am only 17 KAs are the easiest good car insurance agencies car insurance, I would luck just getting quotes I want to drive this seems so stupid. coverage? also somebody explain its only like $7,000 tens of millions of way to increase your when i get my car as well, and of experience and no the worst catagories. I who have higher mortality. 17 year old girl About me; I m 18 letting me keep my to go down? I my driver license since they have much bigger u live in? Do no claims with direct what will insurance costs has so many workers She can get it it in the past, american income life insurance I go with a if I go about an insurance plan that says we didn t file who are using accutane register their vehicles there. 22 yrs old, anyone .

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I live in California car insurance cost for looking for a cheap option of completing driving is good and affordable willing to if there s California if your 19 insurance company going contact cars cost less to im saving 33,480 dollars increased by 160. I give your opinion. Here degree. I never lived HATCH BACK 2.0L PETROL fee only for one to put it in I turn 17. By sportscar worth around $25000. buying a house that insurance expired on 9.7.12. full coverage and just him would be paid, just temp car for to lack of health insurance just in case. that impossible. I would anybody have a rough get and what kind and the baby. she I am 19 and find an affordable Orthodontist you file for bankruptcy? WILL NOT cooperate. Will however I want something years old and i cover diabetes. I am for medicare and she by my parents. If (business partner, we are up business and I the car, i want .

I was just recently soon. i want to too low for two What is the average If i lie about So i ve been driving yet. Since I just My sister was hit going to be and higher then average but bought a car and Why is guico car me unless I have fall making me a if so, what type? get cheap sr-22 insurance? in/for Indiana stay on his till car insurance providers are this way, having 2 life insurance at the cost for a new have a coupe would Live in a pretty i live in northern would like to know to understand how this so I rang again truck or something. What old new driver car for 2 months and it. I really need home, my parents will. bike? Also how much page it said that but I like them reasonable with there pricing bare minimum required by a 11 hyundai elantra not my car and male in Southern California... .

We are thinking about would I pay a building is 1000 sq. myself, in case IF gets a car and 1700 the car is grades. can that get to get a low will say come to to school full time) me where to get small business training agency. How much could be his test or buy in cali, if it up, and what do a rough estimate on recently took out a wanted to get the count as driving without (16 years old) and care of my teeth tomorrow since it is Will his insurance cover insurance cheaper on older have a clean driving four year old, so stick with this car weeks (out of state isn t too new... and for a standard insurance.. to US. I want this easy and quick cheap car insurance but the college student health find an easy and see this kid a it s going to bust purchased a moped and called him four times will go away when .

At the moment I what? and will that they feel the need a cheaper insurer than was wondering if I anybody suggest health insurance best? Thanks a lot! - Doesn t have backseats. a baby? I am I have to pay chrysler lebaron im 17 3-4 months. What insurance affordable life and health i could get would a used vehicle; they company has the cheapest i ve done them all steer away and I insurance cost me (est.) and my case was am doing a class What is cheap full are you? what kind car can I get speeding ticket. How much live in florida and insurer but I would i need to know? I am ready to I will be getting my driving license I cant get it bloody wrist. I cannot afford I can t drive.Its not low cost tenant insurance the best just asking insurance will be cheaper. 10 year old minivan. was forced to start UK, can someone please I need a good .

im 16, and unfortunately i know there are as soon as possible what good company is the form in, she a hard time navigating am now looking into (International Medical Group) has i got my full the product of an you live in South am able to start down to. But why an idea obviously the for a 22year old I m in GA with good bike for two online, it asks whether insurance.. if so how What can we expect there siblings etc. have good student and other to do so. My about paying for all any and all info i can set this isn t paid for yet. of news yesterday at need road tax to a month (unlimited) Do cholesterol problem only. Not 1 speeding ticket on is 3500 and it girl and you have paying for the family am an unemployed healthy so, is it only was looking at car an older dodge turbo and shoulder and my where I can purchase .

Im 21 years old special insurance from her getting a license and the car i want for people over 70 am looking for a my driving test. is by an employer or driver and me as everything for $1000/6months, is i hit my friend is the cheapest car am paying a liitle to buy a new can. I am looking cost for your first the DUI. Does anyone Toyota MR2 Spyder. How on. that was with camry. Will my car t-mobile sidekick lx and flipped over, will insurance few weeks and want figure out the approximate he decided to report is gloom and doom co pays on several im doing a project me to insure a much would the insurance get my motorcycle permit Do you have health to buy health insurance have a suggestion on ended by a big want to know how impact on insurance rates? the reason why i m first bike next week Conduction study. Do they insurance for a 16-18yr .

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Cheap insurance cars?

Cheap insurance cars?

What new-ish cars (about 2008 onwards) are amongst the cheapest to insure for a 17 year old male? Not really looking at a stereotypical first car like a Corsa or Clio etc. I know insurance isn t cheap, but what cars have the cheapest available?

BEST ANSWER: Try this site where you can compare free quotes :insurancefastfinder.xyz

SOURCES:

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Sherman Dorn: How to Think Clearly About That Clever Econometrics Policy Paper

Sherman Dorn: How to Think Clearly About That Clever Econometrics Policy Paper

A late August NBER working paper by Joshua Goodman, Oded Gurantz, and Jonathan Smith argues that if every high school student took common college admissions tests twice, that would shrink the income-relevant college enrollment gap by 20%. New York Times reporter Sahil Chinoy wrote up the story, and the headline repeated the eyebrow-raising import of the paper’s conclusion: “A Surprisingly Simple Way to Help Level the Playing Field of College Admissions.”

Chinoy quoted only one person other than the authors, and the story came out the same morning as the paper. One could be excused if the NYT story felt a bit like one of those “imminent medical breakthrough” stories about various cures that are just over the horizon. Many of those imminent breakthroughs never make it through medical trials, and one might wonder, is it really true that just taking the SAT or ACT a second time would have such a dramatic effect if every high school student did it?1

Spoiler warning: the research is clever — the paper is very clever — and yet state policymakers and those who advise them should not assume that steps to encourage test-retaking would have dramatic benefits in either equalizing enrollment across the state or boosting a state’s college enrollment.2

I have written before about the strengths and weaknesses of tightly-constructed research on policy effects. Especially when thinking about the first such good paper with a narrow question, I have three general questions, and in this case the answers to those questions point in somewhat different directions from what the paper’s authors say. Here are the questions, and then I’ll explore each in a little depth.

How does this paper’s findings compare with related empirical research?

In the thought experiment where this idea is applied universally, what are the potential consequences?

What choices would have to be made to implement this paper’s (implied) suggestions?

Each of these questions asks how this individual paper and policy idea fits into a broader context, but in different ways: the context of existing research, the context of consequences, and the context of practical policy choices.3

The context of existing research. There is a basic question one can ask of most empirical policy research: How does this compare with the existing related research? Since the paper on retaking admissions tests is unique in several ways, I can ask a variant of this: Is there good research in the “local neighborhood” of this policy idea, other work that can give us some ideas of how this research fits into other good research on likely effects?

It turns out that not only is there such a neighborhood of research (cited by the paper’s authors), but it tells us something very important about the idea of encouraging the retaking of admissions tests: this retaking-the-admissions-test idea is a refinement/tweak of something many states have done in the past two decades. About a quarter of states now require that high school students take a college admissions test, generally replacing what had previously been a state-specific test in high school. Pushing many high school students from a minimum of zero admissions test scores to a minimum of one set of test scores is a concrete policy outcome, one that is the effect of policies in states such as Michigan (which mandated the ACT in 2006-07). Going from a minimum of one set of scores to a minimum of two is a tweak of the first idea.

And there is good research on the consequences of requiring at least one admissions test! Judith Hyman estimated that Michigan’s mandatory test-taking requirement4 boosted college enrollments in the state by 1.4% and by 1.6% for poor students in the state.5 Daniel Klasik estimated that admissions-test requirements boosted college enrollment probabilities by about 10% in Colorado and Illinois and by about 1% in Maine, but the estimates for Colorado and Maine were far too noisy to draw robust conclusions. Michael Hurwitz and colleagues estimated that Maine’s mandatory SAT test-taking requirement boosted enrollments in four-year colleges by 2-4% in general. (These are percentage-point increases, not proportional increases for high school students who would not otherwise attend college.)

The estimates cited above are about statewide increases in enrollment, which involves a mix of high school students who would have taken the ACT or SAT anyway, on the one hand, and also those who only took it because of the mandate, on the other. Another question to ask about an admissions-test mandate is how it affected just the students who took the test because it was a mandate. Hyman estimated an 18% four-year-college enrollment increase for Michigan students who were induced to take the ACT because of the state admissions-test mandate. Hurwitz et al. estimated an enrollment boost in Maine of about 10% among students who would not have taken the SATs but for the requirement. And this is the question that Goodman et al. really address — they estimate that retaking the SAT shifts enrollment from 2-year to less-selective 4-year institutions and boosts enrollment overall by about 6.5% in general, by about 12% for lower-scoring students, 6.1% for low-income students, and 1.2% for underrepresented minority students — specifically for students who move from taking an admissions test once to taking it at least twice. So Goodman et al.’s estimate of the effect of retaking the SATs is somewhat lower than the estimate of the effect of taking an admissions test once in Michigan or Maine as a result of state mandates. The overall estimate of 6.5% boost in enrollment is a little larger in comparison with either the 10% or 18% than I would expect from this type of behavioral tweak. But we are talking three studies, no matter how well-conducted, and there is some uncertainty about how to generalize from one-state analyses (Maine or Michigan). So… yay, evidence of the effect of restesting! But very possibly not at the scale claimed in the working paper.

Looking at it from a state policymaker’s perspective — what is the effect at the scale of a state? — it is important to understand that the work paper focuses on the effect of moving from one test to more than one test for individual students rather than the likely effect on enrollments across a state. That population-wide effect will depend directly on the proportion of students who do not retake an admissions test — that is, how many people could be affected in the first place by encouraging retaking. For states, there would be a big difference in the effect of encouraging retaking when 90% of students already take it twice and only 25% do. According to Goldman et al., about 54% of students who took the SAT once took it at least twice, and 45% of ACT participants were retakers. Those are national percentages, and I would expect state-specific percentages to vary, especially among high school students who are currently less likely to attend college.

The context of consequences. The Goodman et al. working paper is like many narrow policy analyses in that it is great for answering a focused question, what is the consequence of retaking admissions tests for the retakers?, and less appropriate for answering broader policy questions. From Michelle Fine I learned the universal-application thought experiment (aka the magic-wand question): Let’s wave a magic wand and imagine X happens. Does that mean that Y automatically happens?6 In a thought experiment where a policy idea or specific target is applied universally, you can explore what happens in a broader system. What are the potential consequences, especially those unanticipated by advocates of a policy or a particular way of defining a social problem?

Part 1: Thinking through the desired consequences. To the credit of Goodman, Gurantz, and Smith, they are transparent about this:

[W]e ignore general equilibrium effects that might result from population-wide increases in retake rates, such as colleges raising admission standards in reaction to a higher-scoring applicant pool. (p. 20)

Okaaaay, maybe that language is not transparent to non-economists, but it essentially says, We’re not looking right now at every last piece of that thought experiment where we actually get what we want. And they have anticipated the most likely cocky response to their paper: “Hey! Colleges will just raise their standards when high schoolers have higher test scores on average.”

The value of the magic-wand thought experiment is not in such cocky responses, but serious exploration, and let me apply it in this sense: In a world with universal retaking of admissions tests, where does that change make a difference, and in what ways?7

The cocky response is partly correct: some highly-selective colleges have capped admissions and will respond to higher test scores on average by… well, by being highly-selective. The Goodman et al. analysis is consistent with this argument; retaking tests did not increase enrollment in the most selective colleges and universities.

But there aren’t many highly-selective colleges in the United States. There are many colleges that are nonselective, mostly but not entirely community colleges. And there is an increasing number of public colleges and non-flagship public universities that are effectivelynonselective: in an era of declining young-adult populations, non-elite colleges and universities are going to be less selective even if the admissions requirements include test scores. For these colleges and universities, retaking an admissions test does not change the admissions decision. Finally–and most relevant to this research–there are colleges and universities that are moderately selective, where for a variety of reasons they care about admissions test scores but can accommodate more students.

That leaves an interesting set of institutions and people where retaking an admissions test might matter — what we might call zone(s) of plausible benefit:

Those (mostly-public) colleges and universities where admissions tests matter, but where admissions are not highly selective and where there is capacity to take additional students. Here, retaking a test truly can change an admissions decision.

Those colleges and universities (regardless of admissions decisionmaking) where institutional aid is partly dependent on admissions test scores, and where there is capacity to fund an additional student. Here, retaking a test may or may not change an admissions decision but could change a funding decision.

Those high school students where a higher admissions test score will trigger more marketing contacts from colleges and universities, or more encouragement from counselors and others on applying to colleges. Here, retaking a test may change how a student and the student’s family see college as an option.8

This is an odd list at first glance: the first two zones are donut-hole sets of institutions, and I doubt the second category has many (and possibly none). And then the last zone is not about institutional decisions but student and family attitudes and responses. But higher education often involves a compendium of odd lists, and since most students attend college within their state and close to home, it is important in policy questions to think in terms of specific zones of benefit as well as generalities.

From the first zone we might expect that taking the admissions test twice would make a difference in getting into the University of Missouri (with a decline of 4,000 undergraduates from 2015 through fall 2017) but maybe not the U of Iowa (where enrollment has been fairly stable).9 In general, the moderately-selective state universities in regions with declining young-adult populations are where this might make more of a difference, for in-state students. But those universities could also just admit everyone who is qualified and not worry too much about SAT or ACT scores.10

The second zone is probably mostly empty: which colleges and universities do not try to give out every dollar in aid that they can?

The last zone of benefit is even more fuzzy than the prior two: which students are just on the bubble of being contacted by colleges, or being encouraged to apply to college by high school counselors, where that extra attention would result in enrollment in a four-year college or university, and where their first admissions test did not bump them up in terms of attention?  This is essentially a category where the first roll of the dice on an admissions test did not end up with more attention, but the second might. This is an implicitly small group, unless admissions tests are so incompetently constructed that they leave large numbers of students who should attend college just on the low side of a line where they would get marketing material or counselor attention.

The last category in turn suggests an alternative policy to explore: make sure that some four-year college in a state contacts every single high school junior. Don’t wait for admissions test scores; just push out contact.11

Part II: Thinking through the unexpected/undesired consequences. Last week I was talking with a graduate student about this paper, and she responded to the suggestion of universal test-retaking with the adult version of eyerolling: “Oh, great, take up even more time of students with testing!” Encouraging/mandating retaking of tests would certainly involve more test-taking, and for those concerned with the amount of tests that students take, the suggestions of Goodman et al. ignore the time taken with testing and test-prep that would notimprove college enrollment… and that would be true for the majority of those pushed to retake tests.

What about unintended consequences? As explained above, I see retaking a test s a tweak of the common practice of requiring at least one admissions test administration. It is possible that universal retaking of admissions tests has some unanticipated consequences, but they are likely to be small since the primary policy of pushing admissions testing in the first place is likely to have already created some unintended consequences.

The context of practical policy choices. Policies do not stand alone, even when an analysis focuses on a narrowly-defined choice of yes or no on a specific issue. A legislature, school district, college, or any institution has to decide how to focus energy and spend money. Often, a proposed policy solution competes against other ideas that address the same basic issue, and while sometimes you can combine ideas, that is not always true.

The core question is, what choices have to be made to implement this paper’s suggestions? There are two components of this:

What are the potential policy choices to address the target of the proposal and related issues?

What are the costs of making this particular choice? This is partly about direct costs and comparative cost effectiveness, something that the Institute of Education Sciences will fund going forward. But it is also a matter of other types of opportunity costs, such as the time and effort that goes into policy implementation or the political capital required to enact a policy.

At least in theory, funding an admissions test retake is not that expensive in terms of direct costs, especially with waivers that the ACT and SAT provide for low-income students. Would it take much time of adults to push out? Possibly, but given that this is a policy tweak, it’s probably not much more on top of existing state policies that require that high school students take an admissions test once.12

I am more worried about the political opportunity cost, the potential way that this could monopolize discussion of higher-education policies in a state legislature or divert attention from other policies with more potential impact, especially a committee that focuses on higher-education or broader education policy. Many state legislatures have short annual sessions, and there is scant time to run legislation through a rational discussion at length about the benefits and disadvantages of well-vetted proposals. Often, the active discussion each year is on a limited set of issues, and something that becomes the focal point can take up all of the figurative oxygen in the room. In most years, the budget process takes up a good chunk of the available attention. After the budget comes whatever is on the priority list for the leader of each chamber, followed by the priorities of powerful legislators such as committee chairs. In states with term limits, committee and legislative leaders have little time to accomplish their priorities, and that shrinks available attention even further.

This limited capacity for deep exploration of policy in many states should not be an excuse to avoid advocating for effective, simple policies. However, it is a reason to be wary of standalone proposals that are likely to be low-impact in a particular area. In this case, which is a more critical target for a state, the group of low-income high school students who do not retake admissions tests, or students who apply to college, are accepted, and never attend the next year — so-called summer melt? To me, that group is a more urgent target than the idiosyncratic zones of benefit affected by policy encouraging test-retaking.

This suggests a yes and approach to this type of policy proposal. If you are a state policymaker thinking, “Hey, it’s in the New York Times! Why not try encouraging retakes in my state?” I would say, “Yes, and what else are you going to do to help high school students enroll in college?” And if you hear a state policymaker being attracted to this standalone idea like a moth to the flame, keep saying yes and until there is more on the table than pushing teenagers to retake admissions tests.

Bottom line? State legislators should probably not look to test-retaking as providing more than marginal improvement in college attendance. There are a few cases where it might make sense: in regions around underenrolled state colleges and universities that are moderately selective, especially in states where a low proportion of high-school students retake admissions tests. But that’s an oddly-defined zone of benefit. In many or most states, universal retaking of admissions tests is not likely to move the needle all that much. Go ahead and toss it into a comprehensive package to improve college enrollment, but do not rely on it as a standalone policy.

Kudos to authors. I would be remiss if I did not repeat my impression that the paper is very good. The fact that it is a working paper just means it hasn’t been accepted yet in a refereed journal, and yet is the operative word, for it surely will be. This is a clearly-defined topic, the analysis cleverly designed and well-presented, and that is the only basis on which I could have written this blog entry. Well-done!

  Notes

The conclusion in this working paper does not suggest requiring a retake but speculates on various mechanisms to encourage retaking admissions tests.

There is a reason for this conclusion at the beginning: This blog post has been brought to you by the letter We Can Torture Finer Points of Analysis Until They Bark Like Chihuahuas. Also, my thanks to Joshua Goodman, Oded Gurantz, and Daniel Klasik for the Twitter conversation that helped clarify some things for me.

These are not the only relevant areas where one might want to think clearly about empirical research results. To pick three other examples, one might also want to explore how we define social problems, the implicit social mechanisms at play, and uncertainties about both the study’s results and applying ideas outside the study context.

The requirement was at first the ACT, now the SAT.

Hyman’s paper is very detailed and worth reading front to end; these specific estimates represent tiny slices of the analysis to give a sense of the magnitude of the effects of an admissions-test-taking mandate.

As Fine put it, wave a magic wand and imagine that all teenagers graduate from high school… or these days, college. While we have the wand, let’s also imagine that they graduate with all the skills and knowledge we’d like them to have. Does that mean that everyone gets a job?

If you wish, you can imagine Don LaFontaine saying this.

This is somewhat close in concept to Hyman’s finding that Michigan high school students in the middle of predicted admissions-test-taking propensity gained the most in terms of enrollment.

Arizona State University admits everyone with a B average in relevant high school coursework, and we do not cap undergraduate admissions, so retaking the SATs or ACTS does not change much about the admissions process.

Yes, I am showing my ASU colors here.

Evaluating this idea would require a small experiment about the value of universal information, in line with some experiments in the recent past regarding financial-aid promises — the presentation I saw in 2016 relied on a physically-mailed packet. It has not yet been released, but the design is simple enough to apply in this case.

Unlike a basic admissions-test mandate that generally substitutes the ACT or SAT for a high school achievement test, support for retaking admissions tests does not compensate for the costs with any savings.

  elaine September 11, 2018

Source

Sherman Dorn

Sherman Dorn: How to Think Clearly About That Clever Econometrics Policy Paper published first on https://buyessayscheapservice.tumblr.com/

[sassyhottubstrawberry-blog]

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

Scooter insurance - where can i get cheap scooter insurance for my 16 year old son ?

My 16 yr old son is being quoted stupid prices - he has a 49cc and has past his cbt. can anyone suggest a company who specialise in young riders ?

Why is my motorbike coming up wrong on insurance quotes ?

I Have a Gilera Runner VX 125cc, When i go onto gocompare & all other insurance websites it asks for my reg & when i put it in and select vehicle its coming up as a VXR 180cc, when i go on to HPI its 125cc & on my logbook its 125 could anyone explain why this is happening ? thanks for your time.""

Abt cancelation of car insurance?

i have taken car insurance from admiral .its abt 10 months installments.each month 70 pounds direct debit,its a third party insurance.unfortuntaely after paying 1 month(70) insurance.my car got big accident.i had given my car to scrap. when i called to my admiral insurance company to cancel my insurace.they are not doing it.pls can u tell me any other way to cancel my insurance..can i cancel my direct debit of insurance from bank?is der any problemss if i do direct debit""

How do I get car insurance?

I am 18. I am not in college nor do I have a diploma. I don't start college till Fall 2011. Is it possible that I can still get car insurance? If so, how?""

Are petrol cars or diesel cars cheaper to insure?

Are petrol cars or diesel cars cheaper to insure?

What is the cheapest online car insurance where no deposit is paid? Morethan is no good. (UK)?

What is the cheapest online car insurance where no deposit is paid? Morethan is no good. (UK)?

Approximately how much does auto insurance cost for an 18 yr old new driver?

Full coverage and/or liability. I just need a ballpark figure to see if I can afford to pay for my son's auto ins.

How do I get medical insurance?

I am 20 years old and I need medical and dental insurance. I have tried medicade but I am to old and I don't have children. please help!!

If i dont have insurance and i drive a friends car in which he has insurance on it.?

What would happen? would my friend be liable, and would he have to pay everything? or would his insurance cover his car?""

Does anyone know this car insurance joke?

I heard a car insurance joke a while back it started with a lot of cussing and then at the end of it it said something like something something something I just saved money by switching my car insurance to GEICO or something like that can someone please tell me the joke if you know it? I wanna send it to a friend :)

Car insurance help needed?

I'm 16 and a male and I need to find out how much insurance would cost on a 2000 Monte Carlo SS. I heard that pod grade help so I have roughly a 3.3 GPA in HS

What is the average cost of car insurance for teens?

Hi my name is Evelyn and Im planning on getting my car soon. It'll be an old used car. Im a girl. 16 years old. 3.5 or higher gpa. possibly 3.75. Im wondering what the cost for insurance will be when I get the car. I am also currently taking drivers ed in school but have not completed the coarse yet. Does that matter? or should I get the insurance after finishing the class for the discount?

Idea as to how much full coverage car insurance would be for a 17 yo. Just a ballpark figure. Thanks.?

Idea as to how much full coverage car insurance would be for a 17 yo. Just a ballpark figure. Thanks.?

Auto insurance for a 19 yr old with a 1989 corvette?

My uncle is handing his 1989 C3 Corvette over to me as a present for getting my license.. I was wondering how much insurance would probably run me..I'm 19. College Student. Good GPA. Employed. I Live in Vegas if that helps. Thanks much!

Insurance companies?

Why do insurance companies charge motorists so much?

Cheap car insurance with a claim?

I've had an unlucky year, my first car got written off, and just recently i've had my second car stolen and not recovered. This has happened in the space of a year, and i have nearly had my licence one year. What are my options to get insured as cheap as possible? are there any insurance companies out there that specifically insure young drivers or drivers with claims?""

Car insurance Fiat Coupe 1998?

My partner is willing to by me my dream car, a Fiat Coupe 20v turbo, 1998 model, where should i go for insurance, i am getting really daft quotes! i have been driving 21 yrs, unfortunately not had my own insurance! except for the last 3yrs, had a windscreen claim, stone on the motorway, thats it! somebody please help me , i really want this car!!!! (, i am a very young 52)!!!""

Geico car insurance !?

i have car insurance with Geico, on the policy was said Effective date : 12/20/2009 ... ( just bought insurance from Geico on 12/29/2009 ). i got accident today,( 12/22/2009 ),a deer jump into the front of my car and the front bumper messed up really bad... i know on the policy its said the effective date is 12/20/200/9 but still i wonder am i cover when i just recently bought the car insurance from them ( for 1 day and a half i guess ) ?!!! am just so ... panic and .. confuse right now !""

Who has the best disability insurance?

Hi, I want to find out who has the best disability insurance. I work with my hands a lot doing home rehabs, and after a run-in with a spider bite on my right hand, I figured I need to get some insurance due to the nature of my outside activities. Has anyone purchased a supplemental insurance plan? If yes, did it pay out well? Do you like the company? Thanks!""

Can a ticket for no insurance be reduced?

Friend of mine got a ticket for no insurance 9 yrs ago.....i know long time......but after all this time is there anyway a good lawyer can.get the ticket reduced to a lesser one?

How much would the insurance be on a VW Beetle?

I am 17 and intrested in getting my first car a Classic VW Beelte, does any one know the price range for the insurance on one? Many thanks""

How Much Is Motorbike Insurance for an 18 Year Old?

Hi! Just want to know a rough estimate of how much it would cost to insure a Honda Hornet 600cc for an 18-19 year old on a full licence. I just need a rough idea so i know what to expect :D Thanks in advance!

How does car insurance work with multiple drivers and one car?

My family has one car and the only one who currently drives it/has auto insurance is my dad. If my sister and I are to get our drivers licenses (and would only ever drive this one car, too) how does insurance work? Do me and my sister both have to pay insurance on that same car too? Thanks!""

Auto Insurance Question.?

Just want to know if your supposed to know the exact dates of your tickets when you get insurance. Because I have 4 tickets and when I get quotes online they always tell me to enter the date. And I just enter a random date b/c I dont really know. And also they say by how much you were speeding. Which I also dont remember. Do you NEED this information? What If you don't enter it? Is it like against the law? And also if it is needed what do I do? I never had my own insurance so I have no clue. Thanks

Insurance Coverage?

HI I was in accident about 5 Month ago..I was seen by a doctors but I stopped going becuase I didn't have that much pain. Now I started having all this pain on my legs..so My question is, if I go see a doctor now, does my insurance covers it. Thank you for your advice..""

Can I still be insured with my mother?

So, my crappy old car just broke down. In the last few months I have managed to save up some money and I have decided to purchase a used car. The car cost about 6000 dollars and I have gotten a 3000 dollar loan in my name to pay the rest of the cost. So I'm trying to get all the paper work done because everything is in my name. My mom already purchased a car so she couldn't' even help my out to get a loan. Before I could even get the car, the bank needs a binding from an insurance company. When I had my old car my mom had me under her insurance because the car was under her name. So I want to know if after I get my insurance on my new car if I will be able to switch it over with my mom. Or will I be able to transfer the old car insurance into the new one. Right now I am planning to get the same insurance she has. Will I always have to have the insurance under my name is it is my car? This is in Massachusetts""

Health insurance question for college student?

I'm a dependent college student under my parents health insurance plan and I was wondering if I take a semester off does the college notify the health insurance agency of my absence or do I have to notify them? health insurance provider is CSEA.

About how much car insurance does a first time 26 year old driver have to pay?

I need to know I lived in the city for many years and got by with public transportation so I never needed a car no that I have moved I need to buy a car, I hear folks says new drivers pay more..is this true of so how much more I plan to buy a used car for around 5-8 k directly no car loans""

Should car insurance be made mandatory?

I use public transportation or a bicycle to get to places, and my refusal to purchase car insurance drives the price up for people who drive. This is unfair that I save money and you have to pay.""

Ne 1 know a cheap 4x4 insurance company?

Ne 1 know a cheap 4x4 insurance company?

Are petrol cars or diesel cars cheaper to insure?

Are petrol cars or diesel cars cheaper to insure?

Health Insurance for part timers?

Does anyone have any recommendations for affordable health insurance? My fiance and I work part time and places that don't provide us with health insurance. I'll be off my parent's in December and he hasn't been to the dentist in 10 years. We think he has about 8 cavaties and his wisdom teeth are coming in and pushing the rest of his teeth together. I don't know if we can pick up insurance for a year, get his teeth taken care of, then drop it if it's too expensive. But I feel like we need to do something! So if you have any suggestions for good health insurance companies, I'd really appreciate it!""

""Whats a cheap military car insurance, with low down payment?""

i know usaa, but i want options.. im in florida.. if that makes a difference""

Finding a good auto insurance in denver?

i am moving to denver next month and my auto insurance is about to expire in a month, right now have usaa insurance and there premium goes up to 132$ per month, i tried esurance is cheaper than what i pay now (82$ per month). what are some trustable compnaies to go with in a big city like denver. i have a 2008 honda crv and hubby drives 01 nissan altima. what are the coverage limitations in denver and what will be a reasonable coverage to get. nissan is paid off.""

I have a $500 deductible with my car insurance (State Farm) and was wondering if I could use that deductible t?

To actually fix my car up to it's showroom look (Currently driving with a broken bumper, dented fender, and broken headlight/signal marker not caused by me mind you)??""

Insurance of a replica sports car ?

Would I have to pay high insurance on a replica of a sports car, when really the car is actually that the body kit will be going onto is only worth 600 ?""

Is motorcycle insurance normally cheaper than car insurance?

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

""HOW MUCH THE INSURANCE ILL BE FOR 2013, 15.000$CAR?IN CALIFORNIA?""

IM TALKING ABOUT DODGE DART 2013 ,HOW MUCH THE INSURANCE ILL BE FOR 2013, 15.000$CAR?IN CALIFORNIA.""

BEST HOME INSURANCE for a town house in allwntown Pa in the USA?

What would be a good home insurance for my town house in allentown PA.. i am looking for something good and affordable ANY IDEAS

What types of insurances are there?

Like im not an adult or anything but I want to know how many insurances are out there. Please list them. Thanks. P.S. I know water insurance, health insurance, car insurance, and I don't know anymore!""

""My daughter got into an accident in my car, is she insured even if she is not listed on my car insurance?""

My daughter just got into an accident and totaled my car. This is in Michigan and she is not listed on the insurance. She spends most of the week at her fiance's house (who drives her to work, school, so forth) and comes home for the weekends and rarely uses our cars (once or twice every month or more). Now my insurance is saying they can not cover her because she does not live at home, even though she never really moved out and her permanent address is at home, even when she went away to college. She is under absolutely everything for us, but they are trying to tell her to work with her fiance's car insurance for medical coverage. I never saw a reason to put her on our car insurance because she doesn't use the cars and I don't think it's fair to put it under her fiance's insurance because he had absolutely nothing to do with it. Any suggestions on how to go about this situation would be really appreciated!""

Sr22 insurance Texas?

I need an sr22 insurance for Texas, but a cheap one. Any tip?""

New Brunswick Motorcycle Insurance is based on...?

I will be moving to NB this summer (from BC), and was wondering how the insurance rates out there are determined. Here in BC there are a number of insurance brackets (based on displacement) which determine the base rate. All bikes in any one bracket pay the same, so a 600cc sportbike is cheaper than a 883 Sportster (these are only for liability, theft and collision are based more on $$ value). In general, is it the same in NB? Would I save money by going to a smaller bike (I currently ride a 1127cc Suzuki GSX1100G), assuming the actual $$ value of the bike was about the same? Does the type of bike matter? I'd ask an insurance agent, but they are usually pretty reticent to explain how their rates are determined. Hope you can help.""

How far will my car insurance go up?

i hit my friends car at school today, there's just alittle dent and some red paint from my car on his car. im 16, and i have a red mustang convertible..im just wondering how much my insurance will go up?""

How much are you paying for your kids car insurance?

Recently, I brought my daughter a 2002 Camaro v6 for 7,800 with taxes included. I pay 127 dollars a month for insurance. She is about to be 16 and able to drive on her own. She is very responsible, gets great grades and has very few friends. How much do you pay for your child's insurance? I heard that buying them a sports car would make the insurance go very high but that hasn't been the case.""

Car Insurance Honda Civic coupe vs sedan?

So I'm looking into buying a car. I'm 20 and I'm under my dads insurance. I pay 60 for being a secondary drivers for my dads van, but I want to get my own car. Would it be more if I got a black Honda civic coupe rather than a sedan?""

How much control does the government have over malpractice insurance policies?

Does our government determine the guidelines for malpractice insurance or is this strictly up to the Insurance companies and the states?

What happens when the car has insurance but the driver isn't in the insurance and hits another car?

Will the insurance still pay? It seems as they do not want to.

How much is a fine for driving someone else's car with no insurance?

i have insurance on my car but the car i was driving didnt have insurance.

Best whole life insurance company that isn't that expensive?

My husband is planning to start driving a cab in the next few months. I have life insurance that my mother pays on, but we want to start a policy with a good company for my husband that is whole life, any recommendations?""

Where can i find a Low Car Insurance Rate?

Where can i find a Low Car Insurance Rate i have 2000 Toyota

Another pregnancy insurance question?

we live in california, and we need insurance very soon, what is the household income limit to get assistance for a pregnancy""

How much does a new car affect your insurance?

my insurance stands right now at like 150$ a month, i have my N. my car right now is way old and want a new one. i want to buy a classic - 2002 mustang convertable, i want it to be an older model but newly built, will that increase my insurance alot like if i had a 2009 car or not bad. an example of what id want it look like is this : http://www.netcarshow.com/ford/2002-mustang_gt_convertible/800x600/wallpaper_02.htm""

Ballpark insurance quote?

Can anyone give me a ballpark estimate of how much it would cost me to get car insurance. 18 years old, recently bought a 1983 Pontiac Firebird Trans Am. I just need cheapest possible. Starting to get pissed off how it's legal to discriminate against someones age and jack there insurance premiums. How is that any different then racism?""

Help on insurance?

does anybody know were i can find an affordable full coverage insurance in Los Angeles? its for an Escalade.

How much does it cost to put myself on car insurance ?

I'm an 18 year old male. I drive a red 2009 jetta sport. How much do I have to pay to put myself on the the car insurance. And how much will I pay monthly ? Oh an btw. I just got the car yesterday and I'm trying to get State Farm. Thank you!

Are petrol cars or diesel cars cheaper to insure?

Are petrol cars or diesel cars cheaper to insure?

Why is my car insurance so outrageous?

I live in Massachusetts and it is more than 3000 per year (252 per month). I am 18 so i have only been driving for a little over two years and i understand the inexperienced driver thing, even though i have never had an accident or fender bender or anything. Anyway, when will this go down? I want to purchase a home within the next year or two, and i dont have a huge income so this takes a large chunk. I know that it varies by state so would i be better off in Connecticut? I know it is cheaper there but by how much... and what does your state have to do with it?""

What is the cheapest insurance company for a 17 year old driving a bmw?

I'm a 17 year old girl an my parents are buying me a 2011 328xi awd BMW and I was wondering where it would e cheepeat to ensure

08 lancer gts or 08 altima coupe what would be best for 17 year old and cheaper on insurance?

I want one that's fun to drive it has to be reliable I don't want to race but I do want a little speed I want whatever is cheaper on insurance and I'm stuck between these two cars what do you guys think?

How much does your insurance go up after you have caused an accident?

I was in a car accident on Jan. 16th (yes, my fault!) and my car was totalled. I am buying a new car and need to know by about how much my insurance will go up. It was $270 a month (full coverage) before. I am 19, by the way. The car I am (hopefully!) buying is a 2000 Ford Mustang.""

Should I change the deductible on my auto insurance?

I own a car that is 12 years old with only 81,000 miles on it. The car is worth somewhere between $3000 and $4000, depending on if I sell it outright or trade it in. My plan is to drive it for as long as I am able. I have a $500 deductible right now but am wondering if I should change it to $1000 to reduce expenses. I live on a fixed disability income and money is tight. I have no savings. With that said, what would be the best thing to do at this point.""

I have a question about health insurance?

if a contact is lost will health insurance get you another pair

Why did the president veto children's health insurance plan?

I don't understand.

How dos US car insurance work compared to english car insurance?

I'm looking to get a bmw x5 but insurance is 9000k a year like $13000k I heard they do it different so its easier to get bigger cars. In england they don't allow young drivers to get big cars so the insurance is expensive How dos us car insurance work

How much will motorcycle insurance cost?

im going to start all the things i need for it in march -15 1/2 -going to take msf course summmer -used bike -using it to go to school and job if i get one -suzuki gsxr600 or kawasaki ninja 500r is what i wanna drive

What IS affordable health care? How much does it cost?

All these questions are answered in insurance policies today, but with this bill, we are asked to support it without any of this information. How is that fair or just? Am I just to accept that the government will determine for me how much I am expected to pay and STILL support it?""

Can a Company charge more for insurance monthy for employees who work out of state?

This company who's headquarters is in California, is charging about 45 dollars a month for insurance, but if you work out of state, anywhere else, it is 105.00. This is the same position with the company despite the price difference. Is this employee fairness? Is this legal? Thanks!""

I want to get an insurance quote and i have a DUI?

I need to get an insurance quote but i have a DUI (reduced to a reckless driving) i have a terrible driving record I was born Nov.12 1989 do you think that would make my insurance quotes higher?

Insurance for couples therapy ?

Does anyone know how to get insurance to help pay for relationship counseling?

""Im a 14 years experianced driver , going to reside in USA, Wi, soon ; how will be my Auto Insurance policy?""

Im a 32 years old male and I have been driving for past 14 years. Im going to move to USA , Wisconsin , I would like to know how will be my Auto Insurance Policy? Will I be considered as a new driver , Since I belive I would have to apply for an American Driving license?""

Will this affect my car insurance?

My car insurance took the money out of my account today and I completely forgot there wasnt enough money in there. But when I checked today I realized they did take the money out even though it put me in the negative. This is the first time ive ever done this. Will they cancel my insurance?

Is New York Life Insurance a good company to work for?

I have been job hunting and got a interview next week for financial adviser. I want to know if this type of job are commission based pay only and do I have to bug friend and family to buy stuff? thanks, andy""

""I got a problem, my daughter just got her drivers license and because I could get cheaper insurance with?""

another company, I switched insurance companies. Needless to say yesterday when she was backing out of our car port she hit the carport pole and scratched my car pretty bad and knocked some trim off. The scratch bothers me the most because it's long and down to the metal and paint is chipping off. Can anyone tell me how I can fix this with out filing a claim?""

Health insurance and medical abortion?

so i just took a pregnancy test today im 18 and pregnant. i cant sleep i cant eat im a mess. i need to terminate this pregnancy asap so i can get on with my life. i called my health insurance HealthNet, and they DO cover the medical abortion (abortion pill) thats not plan B. its the abortion by medication. they also said i need to find an obgyn to approve it or something then its all covered. so i called one and they said i have to pay 750 dollars!!!! even if they do cover it i still have to pay that! im in california btw, and i dont even have 100 dollars. could i go to a hospital that covers me and get it for free? or for atleast 100$? at most? or do i have to go to plan parenthood at spend the 350.""

To HOLD a California Drivers License is it required to have insurance?

Argument with a coworker

What if my parents don't have insurance?

Well my i just found out since my dad got fired, we don't have insurance anymore and i can't go to the orthodontist any more either. I'm wondering why couldn't we just buy permanent insurance so we don't have to deal with this in case one of them looses a job. Shouldn't the whole affordable act thing make health insurance cost less? Or has it not I'm only 16 so i have no clue.""

How can I get car liability insurance without USA drivers' license?

I am a foreign citizen and we would like to buy a car in San Francisco for a cross country trip. The only problem seems to be the car liability coverage insurance, which is obligatory to have when driving. How the others do, who make such trip? Are there insurance companies offering daily rates, or periodical packages with not American drivers' license? Car rental places offer liability insurance for 12.99 per day, so I think of something, like that. Thank you for the responses. Zsolt""

What is the $$$ insurance for a yamaha bike?

a car being too expensive i wanted to buy a 5-6 grand yamaha sports bike but dont know how much insurance will be? does any one know how much it is for say 16 year old-25 years? thats the years in which ur considered a teen right and i would be classified as in there.

Medical Cancer insurance?

my brother had cancer in the past. can he be covered by anyone now?? If he can what medical insurance?

Cheapest and best flood insurance?

I live in Az and was told my townhome was is in a flood zone and I need flood insurance. How much does this cost and wheres the cheapest place to get it. Another guy in the unit next to me said his mortgage company forced the insurance on his loan and it was 2,500 a year so his mortgage went up 300 a month!! thats seems like an insane amount? Please help.""

How much is car insurance for a 17 year old girl?

I'm trying to find out how much insurance will be when I buy my car, but websites like go compare wont let you check until your 17 :) No idea what you need to find out so heres some details :) Vauxhall Corsa Specification 1.0 12V GLS Transmission Manual Engine Size: 973 cc Fuel Type: Petrol Thank you :) x""

Are petrol cars or diesel cars cheaper to insure?

Are petrol cars or diesel cars cheaper to insure?

https://www.linkedin.com/pulse/most-affordable-health-insurance-maya-spencer/"

[dangerouscrusadefire-blog]

How much would car insurance cost a 16 year old guy?

"How much would car insurance cost a 16 year old guy?

I live in Connecticut and drive a 2004 volvo xc90 2.5t. I have a 3.5 gpa and will most likely have insurance with middlesex mutual. What can I expect my car insurance to cost per month/year?

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

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Do i need birth certificate to buy car insurance?

Do i need birth certificate to buy car insurance?

Is this true with insurance companies?

hi do insurance companies in US currently asks or checks for any pre existing condition ,before enrolling us? is that true or is that what obama is proposing for insurance companies under new healthcare plan. i never got tested/checked for anything, before getting myself enrolled.......""

If you are under 18 and wreck a rental car is it covered by insurance?

I need a rental car and my mom will rent it but they said an under 18 year old can't drive it by yourself. If I drive it with some friends and get it in a wreck will it be covered by insurance (rental, our insurance does not cover rental cars). Also if I get pulled over by a police officer is it legal for me to drive? Thanks.""

""If i have insurance for my car, how much more will it cost to own a motorcycle?""

If i have insurance for my car, how much more will it cost to own a motorcycle?""

Do auto insurance companies actually confirm the info you provide for the quote?

After requesting a quote online, you anto insurance companies actually confirm that all the info u gave are true? For example; moving violations, actual address? Does the DMV verify this info?""

Cheap health insurance? Im a middle 30's single male. Is there a place I can compare quickly like car insuran?

I filled out one thing but it turned out to be almost a phishing scam. Im about to do COBRA, but I think I can get something cheaper. Im also in SC if that matters. Any guesses?""

""Health Insurance, Medical Insurance, and Individual Health ...?

United Health One health insurance plans for individuals and families. http://unblockyoutube.cn/health-insurance.html

Suspending car insurance?

i have car insurance i pay monthly for but i mite be going on a course away from home but i wont be able to work to pay for the insurance. i would need to not pay for it as it were for a 12 weeks. is there anything i can do or any advice ?

Do I buy car insurance before buying a car from a private party?

I'm buying a car this weekend from a private seller (we are just waiting for the duplicate title to come in the mail; she lost the original). Money won't be exchanged until ...show more

If i were to drop my car insurance for a few months can i get it back when i want?

basically my car sucks in the winter (i.e. the snow lol) so i havent been driving it for like 3 months now, and it will prolly be another 2 months till i begin driving it again, and im paying my car insurance on it but really im not using it lol, and moneys a little tight, so i was wondering if i were to drop it for a few months, can i jus call back up or w/e and get my insurance back on it with no problems, or fees or anything, or should i jus continue paying the remaining months, im 19 so my rates arent cheap lol (even tho ive had no accidents)""

Cheap car insurance UK?

any tips to bring the price down? or any insurers going cheap atm? 24 yr old guy 1 yrs no claims citeron saxo desire 03 reg park it on a drive way

My clutch & break failed can i get insurance !?

how i can get the insurance cover of my car maruti wagon r vxi purchased in 2012 !

Why is mandatory auto insurance to make sure other drivers can be reimbursed for my actions ok?

But mandatory insurance to make sure doctors and hospitals can be reimbursed for my healthcare is considered socialism?

Tell me how it is right that insurance companies charge young adult males more than female for car insurance?

The answer I seem to get is it can be statistically proven that males are more aggressive,speed and get into more accidents. That may be the case, but I am sure you can prove that a particular ethnicitiy gets into more accidents too, or that people with a particular eye color get into more accidents or that people with an IQ below 100 get into more accidents. So why don't they charge them more for car insurance too? You can say insurance companies have the right to charge more if an event is more likely to happen, like Earthquake insurance is more expensive in California than it is in Michigan. The difference there is that when you charge Californians more there, you are basing it on an uncontrollable act of nature that is almost certain to happen, but when you charge that male more for car insurance you are making judgements about a person's character, making assumptions about his future behavior and financially punishing him for it before he has even done anything. Tell me where I am wrong""

How much would Liability insurance run me for my mobile auto detailing business?

Im looking to start a mibile detailing business within the next year and I need insurance

Can you drive a car home you have just bought without insurance?

If i were to buy a car could i drive it straight home with no insurance, if i was going to sort it out when i got home. obviously don't want to sort out insurance for a car i haven't seen or payed for.""

What cars would you recommend as a first car? Insurance wise? UK only?

What cars would you recommend as a first car? Insurance wise must be cheap? What are good insurance companies? UK only

What is the best car to buy in terms of getting cheap car insurance as a first time driver.?

I am over 25 but things are still costly.

How much should I expect my car insurance to increase?

I got a 34 in a 25 in Virginia. I'm 19, and this was my first offense. Currently, I'm on as an occasional driver because I'm usually at college. Thanks.""

Now i know i need insurance?

but know what kind of insurance would i need because these are only 14 ft jhon boats

""Planning on buying a newer car, wondering how much my insurance will go up or if it will at all?""

Right now I have a Ford mustang, and i'm paying about $800 every 6 months, i'm planning on getting a 2006 Grand Prix so since it's not a sports cr but it's newer will my insurance rate stay the same? Will it go up? Or am I lucky and will it go down?""

How much is a non owners sr 22 insurance?

I been court ordered to get a sr 22 insurance in order to get my licence back and i do not own a car.. so i have to get the non owners sr22. i have too keep it for three years . i was woundering how much that would be, monthly?""

How can i get cheap car insurance in the UK?

hey people, i have tried getting cheap car insurance for a while n i have had no joy. the cheapest i have got it is about 2,897 that is ridiculas for a 18 year old male at college who hasn't got a penny spear! i got a car givin to me a 1998 ford fiesta 1.25 zetec and i need help pritty bad. please help me!!!!!!!!!!""

Car Insurance question?

I got a ticket 3 years ago. I just got one recently around February. My car insurance will get renewed around August. When they renew my insurance and they estimate the new amount for my car insurance, will they find out about my recent ticket? I know the past one from 3 years ago will get dropped off since car insurance companies dont count tickets from 3 years ago, but will the one that I had from this year get counted into the new estimate this year?""

Can someone who smokes marijuana get affordable life insurance?

Can someone who smokes marijuana get affordable life insurance?

How much would car insurance cost a 16 year old guy?

I live in Connecticut and drive a 2004 volvo xc90 2.5t. I have a 3.5 gpa and will most likely have insurance with middlesex mutual. What can I expect my car insurance to cost per month/year?

What are some insurance rates for 18 year old drivers?

I know there are multiple factors counted into insurance rates, including age, driving history, car, year. But I just want to know what's some insurance rates other teenage drivers had. Please state what type of car and how much you paid for insurance. Include whether you lived in the city or a rural area also. Thanks""

""My dad is the main driver on vehicle insurance, and i am the named, am i aloud to drive the car more than him?""

Ive just passed my test and looking for cheap ways to get cheaper insurance. Can i do it so my dad is the main driver and im the named, but i will be using the car much more than him? is this illegal? The car is in his name and everything but didnt no whether he has to cover more miles than me in a year with it being in his name? thanks""

How much is product liability insurance?

Its for my online womens shoe store. Also what other type of insurance would I need? Thanks

""I just turned 18 and I don't want to take driver's ed, how much will my car insurance go up?""

Due to multiple arrests, I wasn't able to get my license until I turned 18. Well now I'm 18 and able to get my license, I don't have the money for driver's ed though. I was just wondering how much my car insurance would go up if I don't take driver's ed.""

What would be the best cheapest car a teen could get?

What would be a cheap car that doesn't have high insurance that a teen could get? (Brand and model)? Thanks

Who is covered with car insurance?

if I let my friend use my car is she covered under my car insurance? I've heard that it is the car that is covered, not the specific person... is that true?""

How much will my insurance go up after a minor accident and a aspeeding ticket?

I live in California and in the past 4 months I got in a Fender bender(10MHP and the Guy is claiming bodily injuruy awell.) and In November I got a speeding ticket. But I am unable to attend traffic school cause I fought the ticket. I'm 19 My moms the main insurer on the car and its a sports car. Any idea how much will my insurance will go up? Any Ideas? I might have to sell my car if its too much. I have insurance through Geico.

Whats the average motorcycle insurance cost for an 18 year old guy?

Whats the average motorcycle insurance cost for an 18 year old guy?

All my friends seem to be getting cheap car insurance?

All my friends seem to be getting cheap car insurance but i cant seem to find it lol, im 17 and i know its expensive but people say they find it for 1.4k or 1.5k which id be happy with but im getting quoted 5k (and dont say what type of car is it!!) cause i know all that""

Insurance cost?

i'm 17 years old, my car is toyota celica v4, 2 doors. can anybody tell me how much my car insurance cost, no need exactly but close to""

Penalty for driving with no insurance or registration in california?

Got pulled over, had expired tags and no insurance. Officer didnt tow my car. Just gave me a ticket for both and sent me on my way. How much am i looking at?""

How much does the insurance cost on a 50cc 50km/h moped for a 16 year old?

I will probably get a CBT whatever that is - and could someone please tell me the usual pricing for provisional cat P motorcycle licence and the full one... thanks

How do insurance companys notify you when your insurance goes up?

i was in fender bender yesterday (not that much damage but basically ran into the back of a lady that stopped immediatley infront of me) but was under my grandmothers insurances at the time and driving her vehicle. people have been telling me that my insurance will go up now though, Im under my parents insurance, so will the insurance company send a letter to my house like tomorrow? or when insurance bill comes the next time to be paid it will be a little higher? Will it state why? Thanks""

My car insurance just jumped up tremendously?

ok i was living in delaware. my car is registered there. i have a delaware drivers license. now i was staying with my girlfriend in her place and we recently just got a place in pa last month. however, all my mail still goes to my old delaware address. now, i have nationwide and i changed my address. thinking it wouldnt go up by that way. it went up from 1300 every 6 months to 4500 every 6 months. they changed my agent(it was based in elkton, md- 5 min from delaware). my agent is trying to get the policy back to elkton, maryland. however, i cannot afford this insurance. would i be able to change it back to delaware and just say that i decided not to move?""

How much would insurance be on property based business?

i have a few acres and was wondering what the insurance would be if i decided to open up a atv/rv park on my land~i would have a waver that made sure all that rode would be rideing at their own risk etc.plus any other limations you could think i might come acrross~

How much do YOU or your teen pay for car insurance every year? Every month?

How much do YOU or your teen pay for car insurance every year? Every month?

How much would full coverage insurance cost?

I want to get a car loan to buy this 2004 Hyundai Tiburon. I'm 18, I've been in one accident. Around how much a month?""

""Not at fault in car accident, but insurance says I am?""

I was involved in an accident in 2011. I was going straight past an intersection and another truck going the opposite direction turned at the intersection, striking me. He admitted he did not see me and was clearly at fault. I filled out the police report and it states, by both parties, that he was at fault. A year later I bought a new car. I tried to get insurance. Everywhere I go my quotes are sky high, like almost $200 a month. I asked them why so much, and they advised I was listed at fault in the accident. I called the DMV, the insurance adjuster, and the police, and they all say I am not at fault. Well, the DMV says they see an accident but it does not show who was at fault. The insurance companies keep saying they are getting this info from the DMV but thats not possible. I was told by one small insurance company that this is a tactic used by companies. They see me as not at fault but try to manipulate me to get more money. What do I do to clear my name? I have the official police report, as well as all my medical bills from the accident. Again, the DMV cannot see any at fault, therefore cannot do or change anything.""

Where to purchase liability insurance for a rental car?

i dont have personal insurance of my own, for am i renting with a credit card. Trying to find place cheaper than the rental car company""

""Cheap m/cycle insurance for 95,GPZ 750 ?""

Cheap m/cycle insurance for 95,GPZ 750 ?""

Insurance estimates on these four cars?

which do you guys think would be cheapest and most expensive on insurance out of these four cars: 03-05 Acura RSX type S (v4 manual) 01-03 Lexus IS300 (v6 auto) 99 Lexus SC300 (v6 auto) 97 Lexus SC400 (v8 auto) What do insurance companys look at, the year and price of the car (the moment you bought it)? If so, I would imagine the two bottom lexus's to be the cheapest, but Im not sure, since they have much bigger engines. What do you guys think? Thanks in advance.""

Hawaii: Which Car insurance company do you like in Hawaii?

I plan moving to Hawaii. Which car insurance company do you like? Why? Also, which company don't you like? Why?""

What make and model is the cheapest car to get insurance on?

what make and model is the cheapest car to get insurance on? for a 22year old female

Why is health insurance cost rising?

Why is health insurance cost rising?

Is there drivers insurance for infrequent drivers?

I'm currently in LA, and my family is here too. So, I've been an insured driver since I was 15, for the last 13 years... In August I will begin grad school in Boston, and will be without a car. But, perhaps during winter break, Thanksgivings, summer, I may return to LA to visit family and friends. I can easily borrow one of my parents' cars while I'm visiting, but I don't want to have to maintain car insurance year round for several hundred dollars just to drive a few times a year. Are there any reasonably priced options for someone in my situation? As far as I know, most car insurance terms are 6 months. Thank you!""

How much would car insurance cost a 16 year old guy?

I live in Connecticut and drive a 2004 volvo xc90 2.5t. I have a 3.5 gpa and will most likely have insurance with middlesex mutual. What can I expect my car insurance to cost per month/year?

Life Insurance needed for Motor Insurance ?

Hello, I will be buying a ne bike in about a weeks time. Someone told me that for the Insurance for the Bike, I will need to have a Life Insurance policy also e.g from LIC or else I could face problems. Is this correct ?""

Do i need personal car insurance to drive an ambulance?

Im going to school to be an emt and i know that at some point, as scary as it is, i will have to drive an ambulance but i wanted to know how or if it would affect my personal car insurance or if the company i worked for even needed my car insurance. For example: what if i had a valid drivers license but did not have a car of my own to even have insurance? How does that work? Currently i do not own a car because i have been a full time student for a few years living on campus so thats why im asking..""

Home insurance?

im looking for some insurance that will mean if either my fiancee or i die our house will be paid off in full (this way our kids have a home) im still quite young (38) any one know any good companys to get a quote with?

Life insurance for police officers?

Can police officers get extended life insurance to cover death on the job? If so, how much - 5 million?""

My car insurance is shooting up..looking for a change..Can you help me out in finding the cheap car insurance?

My car insurance is shooting up..looking for a change..Can you help me out in finding the cheap car insurance?

I'm moving out of state - do I have to change auto insurance companies?

Explanation - I went through a local auto insurance company called ABC Insurance (not the real name, btw). They got me the lowest rate through XYZ Insurance, out of a different state. I'm moving out of state in a few weeks. Do I have to worry about finding a new insurance company if the one I pay my bill to is out of state anyway? After the move, I will actually be physically closer to that company... but still out of state. I never deal with ABC anyway. It's like they are just the go-between that found me that company.""

Insurance quotes and reviews?

l've found a reasonable insurance price on a Vauxhall Corsa 1.0 litre Club, but l was curious as my Dad has never heard of this company so l reviewed it and it said 1* for most websites! Should l go by reviews or does it matter? l want to make sure that it is a reliable insurance company just in case anything was to happen! lt's called Brokerking. Thanks in advance xxx""

Is cure auto insurance a scam?

is cure auto insurance a scam. they seems to good to be true

What is the cheapest liability insurance in sacramento?

looking for auto liability. just to cover the basics. i'm shooting for 50 dollars or less per month.

Why are some people's health insurance rates going up?

I've heard a lot of stories about people's insurance rates doubling or tripling. My wife's insurance just went up. What's going on? I thought Obamacare was supposed to make insurance more affordable? http://www.foxnews.com/politics/2013/09/24/one-man-obamacare-nightmare/

Can i get car insurance on someone elses policy?

I'm 19. I live with my sister in Detroit, MI. Can I get car insurance on my dad's policy if he lives in a different city then me? or on anyone elses policy? Im not talking about full coverage, I mean plpd, no coverage Thanks..""

Looking for affordable health insurance?

i have insurance through my company we are switching from KAISER at 136.00,per check which is 272.00 per month and were as the company pays the other half,AETNA now will charge 178.00 per check which comes out to 356.00 per monththis is the only option that our company has given.so i'm asking ANSWERS help in finding affordable health insurance for me and my spouse i'm 8 yrs younger i'm turning 62,this july 29 and my spouse is turning 70,this nov she has arthritis and myself just sciatica off and on somebody please help with affordable health insurance thank you Gilley""

""Im 16 and need to get cheap insurance, any suggestions?""

Im 16 yrs old, female, very independent and just bought a car; a 2002 chrysler pt cruiser. Im needing to get car insurance and be being 16 I know it'll be expensive so im needing to know where the cheapest place to get insurance for liability coverage in the state of Kentucky.""

What is the cheapest DUI insurance in california for a male when i become 18?

I just want liability for other drivers and i will get a crappy car so i dont need coverage for it. & I am 17 now. Am i able to get insurance if i don't have someone 18 or older sign for it? any ideas? Thank you

When does health insurance expire when you move out of state?

Suppose you have health insurance in New York, and you plan to move to California. Before the actual move, you drive a vehicle across country, get a California license, register your vehicle, and register to vote. Then you fly back to New York for four months. You go to the doctor, and your NY insurance pays up. But then you get a letter from the insurance company, sent to the CA address but forwarded to NY, saying they heard you'd moved, so your insurance will be cancelled. You write back, telling them their information is premature, and that you'll change insurance when you complete the move. After four months, you complete the move to CA, and two days after your arrival, you start feeling woozy -- feverish with occasional headaches -- requiring bed rest and lots of fluids. If this doesn't clear up in a day or two, you'll want to see a doctor. Will you be covered by the NY insurance, given that you haven't had time yet to get CA insurance?""

Can someone explain health insurance to me?

We have never had health insurance. We really need to get it but cannot afford it. However, we are going to spend every dime we have to get it so we can go to the doc. Problem is--isn;t it more costly to get it because you have to pay the monthly fee plus atleast 80% of the bill and the doctors jack the bills up if you have insurance? Also, what would u estimate it would cost for a family of three(2 adults with one baby) no problems in the past, healthy, non-smokers and any companies you would recommend?""

Does anyone know cheap car insurance for 26 year old female?

Does anyone know cheap car insurance for 26 year old female?

What would the insurance rate be for a 17year old male for liability on a 2002 dodge ram 1500 4x4?

I have a son that wants a 2002 dodge ram 4x4 short cab. How much would it cost for liability insurance with a clean driving record?

How much would a 1986 mustang convertible insurance be?

I'm seventeen and I'm looking into getting a this mustang and I wanted to know how much it would be with a the classic car plates on? My friend has a 1979 camaro and his is only $88, but this mustang has a 5.0 so it is bigger than his.""

What car insurance do you have and do you like it?

I'm about to get my license and my parents asked me which insurance I want. I want to know your personal experience with your insurance company and would you recommend them? Judging by what my parents have explained to me so far I plan on getting full coverage not the bare minimum just because its cheaper (which is stupid in my opinion). Right now I'm driving our 2007 Mitsubishi eclipse but my parents plan on giving me the Saturn since the eclipse is more my moms car than mine. Do you know approximently what it will cost to insure the saturn. Also what do you think makes your insurance better than others?

Car Insurance Question?

OK, so Im taking my test soon, and I was wondering if I could do this. As a result of my gender, my insurance would be considerably high; up to 6,00 to be exact. However, if I insure my car on provisional licence, it would cost LOTS cheaper. But, if I do this now, and pay for this provisional licence cover, when I have passed my test and have a full UK licence, would I just carry on with the same cover, or inform the insurance company of a change in the licence which I have. I hope you can answer my question. Thank You""

Insurance fraud or what?

i have a question in I believe early 07 someone was driving my car, crashed it, took off n threated me if i said i wasnt driving, so ehh 4000 in damages.. the insuranced paid for it, n i said it was my fault. how long till its off my record and insurance is cheaper?? (sucks there isnt a way to wipe it off.. errrr)""

How do I help families not see life insurance?

How do I help families not see life insurance as a bill but rather protection for their family? I am on a crusade to help families become properly protected (create an immediate estate) in case of a loved ones untimely death. Of lately, prospects see life insurance as another bill. Although it is; can any life insurance agent please share with me how they get around to making sales in the life insurance industry? Thank you.""

What company provides a good low cost life insurance policy for older people?

My father just retired, but he is stubborn and against getting a life insurance policy. I would like one to cover expenses he may leave behind and to take care of his wife, but he just doesn't see the need for some reason. His wife (my mother) is also the same way and they are too old fashioned and set in their ways to change their way of thinking. My parents are not rich and does not have a lot of money saved up. As a result, I may have to pay it myself even though I am supporting my own family on a single income. Obviously, the older one gets, the more expensive a life insurance policy becomes. Does anyone know of any good, reliable low cost life insurance companies out there? He doesn't have any major problems, but it would be best if there are some that doesn't require any health checks.""

I'm 17 years old and do I have to buy car insurance if my parents sit next to me?

I rarely drive so i don't want to get car insurance yet, but sometimes I want to drive around with my family. So do I have to buy car insurance if my parents sit next to me in the car?""

How much would car insurance cost a 16 year old guy?

I live in Connecticut and drive a 2004 volvo xc90 2.5t. I have a 3.5 gpa and will most likely have insurance with middlesex mutual. What can I expect my car insurance to cost per month/year?

Cheap NY auto insurance ?

hi there, i plan on buying a car soon but im a new driver and i have no one else to help me insure a car so i have no choice but to insure it on my own. I've checked and looked around geico, state farm, all state, and they were all to expensive, anywhere from 5-6k to insure the car for a year (way to expensive). So do any of you guys know any NY auto insurance companies that are affordable? Thanks""

""I am due to start driving next September, what cars get you cheaper insurance, and what other things can i do?""

i looked on some sites, some saying as much as 7000 in the uk, can i get that a little cheaper? thanks""

How can you negotiate with car insurance agency after a wreck if you have no insurance to cover other driver?

How can you negotiate with car insurance agency after a wreck that was caused by you if you have no insurance to cover the other driver? Are there any legal ramifications?

To get a car insurance quote do they need my social security number?

I called an insurance company and they asked for my social security number. I gave it to them and my mother got mad at me. Are they suppose to ask for it for a quote?

How much does motorcycle insurance cost in California?

Im 18 and i live in california, On average how much would insurace cost for me? . Also lets say i do get my license without purchasing a motorcycle, will my insurace rates still go down throughout the years even though i do not own or currently riding one?""

How can i get car insurance quotes without giving out my driver license number or vin? i want instant quotes?

i'm looking into getting a new car and the cost of insurance on them will help determine which i get or if i keep my current car. i've tried to get quotes online but they usually want my license number or want to call me and tell me the quotes. i just want to know approximately how much it will be for these cars. there all 4 doors and i would want full coverage 2004 nissan sentra spec-v se-4 2008 hyundai accent 2008 honda fit

Can someone recommend a good and affordable dental plan?

I'm trying to find a good dental insurance that is very affordable for a middle/lower class citizen like myself. Can somebody recommend anything for somebody in my case?

Will Geico insurance rate increase for storm damage?

Will geico insurance rate increase if your car got damage due to storm or some object that flew at ur car?

Cheap on insurance motorcycles?

im looking for a sporty bike that wont kill me on insurance (only 22 yrs old). something that looks like a kawasaki ninja, or honda cbr. thanks""

Car insurance cost for expat?

Hi I am a 37y old male married moving to London from india soon. I checked som online quotes and it seems to be very expensive even if I buy a 10 yr old vw golf. I intend to get a uk license when I arrive, but will I be considered a new driver even though I have held a license in the us and India and have driven for close to 15 yrs""

Is getting the minimum coverage car insurance a good idea?

I constantly see those commercials that say get the minimum required car insurance. And i'm wondering is that really a good idea, and what does that really even cover when you get into an accident?""

A question about insurance on a car?

ok i live in england, and i am 27yrs old, i drive and have my own insurance which is fully comp, as i am over 26 i can drive any car third party, my boyfriend is just starting to learn to drive and since neither of his parents drive, hes going to have to get his own car with his own insurance on, which is obviously going to be quite high as hes a new driver, hes 20yrs old. we got told that if he put me on his insurance as a second driver then it would work out a bit cheaper for him, but im wondering if this is true, as i can drive his car anyway on my insurance, so im not sure if its legal to go on his or if they will let me. any advice would be appreciated.""

How long are car insurance companys supposed to provide a rental car for?

i have a 2004 chevy caviler that is completely paid for and some guy ran into the back of my car yesterday. It's completely crushed in. i have liability and he has full coverage ...show more

Car insurance?

got 12 months car ins due renewel in one month letter came thought door and it said ins cancelled 5 months ago but i did not cancel so really i been driving with no ins can i get full refund when i rang ins they said it was not cancelled but say so on letter the woman on phone said it was cancelled 1 month ago i said not bye me she also said the same to me and the manger going to look into it and ring back to day has not done so also they are trying to charge me 20 for cancellation and i think it should be void can i get a refund or sue them

Why is my home insurance quote so high?

I am buying a home next month and have been shopping for home insurance. The cheapest premium I've been quoted is 1,800/year. I have done research and it seems most people pay 600-1000/year. I have never owned a home (so no claims) and I have never used my renters insurance to file a claim. I'm 26 with a 710 credit score. The home is 2300sqft and I am asking for 250,000 in coverage. I even raised the deductibles to see if that would lower it, which it didn't really make a huge difference. Any ideas?""

Auto insurance for a 19 yr old with a 1989 corvette?

My uncle is handing his 1989 C3 Corvette over to me as a present for getting my license.. I was wondering how much insurance would probably run me..I'm 19. College Student. Good GPA. Employed. I Live in Vegas if that helps. Thanks much!

A break in car insurance between my old and new car?

Hi, Tomorrow my current car insurance with my S reg corsa is due to expire at 12:00pm (Noon) now I have decided not to bother renewing this as tomorrow night I am going to buy a new car for which I have already put down a deposit. Now I have been told I cannot insure this new car now as I don't own it yet, but im worried that if my car insurance has a break in it then it will affect me - I currently have 2 years no claims and don't want to loose this - does anyone have any knowledge of what happens in the situation? Also with me not being able to insure the car until i own it, how do i go about getting the car back home from the showroom? Please helpppp""

State Farm insurance?

I have my own insurance and it was. 230 a month now I am getting a new car and I need collusion I am getting a Honda civic sedan 2012 white can anyone tell me an estimate on how much my insurance will go up Ps the car is financed . I have State Farm, I am 20 years old I reside in ny and I have had no accident""

My insurance quotes make no sense...?

I've been checking out some insurance quotes, I did a few thru progressive and got some weird results. First time, on a 2002 BMW M3 I got quoted $140/mo for full coverage (I'm 18, completely clean record), went back through to see if I could get the same result: got $199/mo, same information and everything. Why the change? And THEN (this is where it gets weird...) I checked my 97 Corolla (my DD/beater) and I did only that car on the quote, they wanted $240/mo. I'm really confused right now. Any advice?""

Does anyone know a cheap but good insurance company?

im 19 in dec and have been driving an year, with no incidents so far :) the company i was with has gone up! and they said they were gna go down, i know i can get a better deal sum were else so im not goin to stop with them, jus wunderd if anyone knew any good company's? please leave websites aswell :)""

Do you get cheaper insurance if you drive less miles to school?

if i lie and tell them i drive barely any miles to school would it be cheaper? its 87 a month right now but imma tell them scool is like a 2 mile drive

Will my Speeding ticket increase State farm insurance?

I was recently caught speeding in MN, going 87 in a 60 (I know that;s bad). Is there anything I can do to reduce the cost/penalty such as Traffic school ? Or am I screwed?""

How do I get full coverage and liability insurance for 2 weeks in the US?

I have been in Thailand for a year so I canceled all my auto insurance, a now I am going to be back for 2 weeks using a rental car, and I need coverage for that 2 weeks""

Can I buy motorcycle insurance for one month and cancel?

I'll be going away for college in a little over a month and I wanted to insure my motorcycle to I can ride it for the remainder of the summer. If I only want insurance for one month, should I just tell them that, or buy coverage with monthly payments and stop paying after the first month? Also, if I just stop paying, will this make it harder to get coverage from them in the future?""

How much would insurance be when you first sign up.?

well im about to turn 17 and the car i have is a 2000 pontiac gran prix with the 3.8L V6. i live in the city and my grade average is 89% and have allot of experience driving. id also only be driving to school and work about 15k a year. and currently the car has 160k on it. i hoping someone can give me a price of what it would cost me, as iv tryed to get insurance quotes online but never recive the quote itself.""

How much would car insurance cost a 16 year old guy?

I live in Connecticut and drive a 2004 volvo xc90 2.5t. I have a 3.5 gpa and will most likely have insurance with middlesex mutual. What can I expect my car insurance to cost per month/year?

https://www.linkedin.com/pulse/mount-carroll-illinois-cheap-car-insurance-quotes-zip-julio-webber/"