#they offered him the job yesterday at $10 an hour less than what they originally told him

[raeathnos]

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[chierei]

Job Hunting for Dummies

I am in a school program where I spent 80% of my time learning how to get a job. While this might not work for non-specialized jobs, but if you are looking at a more targeted field, this will get you a job much easier than dropping a ton of application. Again, this works best if you are looking for a targeted job and even better, if you are a student. This entire process is detailed in Steve Dalton’s The 2-Hour Job Search but I’m basically going to give you what you need to do to get a job you will like (or at least not hate).

First, make a LAMP list. LAMP stands for List, Advocacy, Motivation, and Postings. Open an Excel Spreadsheet and just list those four things as columns. Or use this template that I am giving you. (Please save a copy for yourself)

1. List: Make a list of every company you can think off in your industry. If you are looking for only in an area, search only in that area. Use things like LinkedIn, Crunchbase, or plain-old Google. Just, make a list. Get at least 40 companies. Do NOT research the companies. Just write down the names in an excel spreadsheet.

2. Advocacy: Now, you are going to look to find companies where you can find an Advocate. This might be friends or family, friends of a friends, friends of family. This might be someone who went to your college--whether undergraduate or masters. The easiest way to do this is LinkedIn. Use the search function for LinkedIn and then filter for your school/organization and then search, company by company, to see if you have any alumni at all at those companies. Fill out the spreadsheet on a simply Yes/No Basis. Don’t research more. Just is there someone there vaguely connected to me in some way? Yes or no.

3. Postings: Now, look at each of these companies and then on a scale of 1-3, give them each a score. 3 means that they have a current posting up for a job you that want. 2 means they have jobs posted but not for what you want. And 1 means no postings at all.

4. Motivation: On a scale of 0-3, rate each company on how much you want a job with them. If you know nothing about a company, rate it as 0.

Now look at your list. You have 40 companies, at least, where you might find a job. Remember that. There are options.

Now, in Excel, you are going to use multi-level sorting in this order:

Motivation: Highest to lowest Postings: Highest to lowest Advocacy: Z to A

Now, focus on your Top 10 only for now. Maybe, as your search goes on, look at your top 15, but from experience, you should be able to get something in your top 10.

Next, the entire idea behind this exercise to to find companies to reach out to. Yes. This means networking, and yes, it sucks. I hate networking. HATE. But, sadly, this is the fastest way to get a job. They say that 70-85% of jobs are found through networking. You are better off spending your time networking than spamming out applications. 

Now, starting at the top, you are going to go company by company. Find one person at each company that is somehow connected to you--whether it’s a friend of the family or an alumni from your school. Try to find someone likely younger and in the position you are interested in. If you don’t have anyone connected at that company, you can take two routes: pick someone who has the job you want and cold email or you can take a longer route by trying to wrangle an introduction from outside that organization. I personally do the former.

These are your potential advocates. Now, this is how you can be creepy, but you are going to *find* their emails. Use Hunter.io and it’ll help you find work emails based on name and company. If they aren’t there, you can blindly guess as most company follow this pattern: firstname.lastname@companyname.com

Now, you are going to write each of these people an email. I suggest one person per company at the moment so you don’t get cluttered.

Next, draft an email to each of these people. These are what we call a 6-point email, because they are very short and consist of six points. They all follow this format:

Subject: Your experience at (company name)

Dear (name of person),

My name is (your name) and I am a (student/friend/etc) of (university name/friend name). I am interested in the work you have been doing at (company name), especially in (something specific that they have been working on). Are you able to have a short call with me to chat about your work and career in the next week?

Regards, (your name)

And that’s it. Three sentences and two of them will be identical for every single email you send.

And the reason we call this the 2-Hour Job Search is because from start (making your list) to sending the last email, it shouldn’t take more than 2-hours.

Now, two things can happen.

One: The person responds and says they’d love to have a chat. If you can do this in person, even better, but by phone or video-chat is perfectly fine. Set up a 30-minutes slot to chat with them. Reach their LinkedIn before that chat and come prepared with questions.

Now, this chat is what we call an informational interview. Do not ask for a job. DO NOT ASK FOR A JOB. We call this an informational because the goal is to gain information from this person. People love to talk about themselves, so give them this chance. You can learn more about information interviews here, but I usually do 2-4 minutes of small-talk, ask them about their journey to how they got their current job, and then start doing a deeper dive. End the conversations with “Are there any resources or advice you’d give me as I try to get into this industry?” or something similar.

What is the goal of this entire thing? It’s that you want a referral from them to someone else. Do not ask for a referral on the phone, but if they bring it up, say thank you. After the call ends, within 24 hours, send a thank you email, and this is when you can ask for a referral. The thank you email should be short, like this:

Dear (name),

Thank you for taking the time to talk with me yesterday. I really enjoyed our conversation about (something specific you talked about). I am very interested in (some function/role/area of study), and I would like to learn more. Is there anyone in your company that would be willing to talk with me?

Thanks, (Your name)

It is better if they introduce you through email directly (which most will do) but others may just give you an email. If they give just an email, in your introduction, make sure to say who referred you to them.

So, if all goes well, they introduce you to someone and you start this entire thing over, slowly making your way through the company. The hope is that when a position opens up or after you’ve applied, your contacts in the company will come to you about the job. Or, when you apply, you can name a list of employees you’ve talked to and how they’ve made you want this job. Or maybe, your interviewer will be one of these people you’ve already spoken to.

Optional: If you had a great conversation that you actually liked, you can follow-up with this person maybe 2-4 weeks later and ask for another chat.

The other thing that can happen is that they don’t respond. Don’t worry. People are busy, and emails get lost. You are to follow up twice. Once after three (3) business days and again after five (5) business days. Reply to your original email and just say:

Dear (name),

I wanted to follow up with the below. Are you available this week for a talk? I am free at (offer 2-3 times you are available.)

Thanks, (Your name)

If they don’t respond after your second follow-up, don’t email again. That lead is dead. Find another contact and try this all over again. (If you are super organized, you can start working on another contact at day 3.) Sometimes dead-ends do bear fruit though! I’ve had emails sent back to me months later with them apologizing for the delay or lost email and would love to chat still.

And that’s it. Repeat until you find something. You should not be spending more than 30 minutes a day on job hunting. If you are doing one informational interview a week, that’s enough. It’s easy to get burnt out, so spread them out and talk to people that you actually want to talk to because they are doing cool shit.

Results: I have received two job offers using this method. I thought it was dumb, but I chugged along. I have found two job offers during COVID-19 where companies are mostly under a hiring freeze. I had one company lift their hiring freeze for me and create a position just for me. It took me three months, which is about double the time it should take, but we are under special circumstances. I have had several other companies say that they would have offered me something if they were hiring. I have had companies email me afterwards to see if I am still available, because they have posted a job I could be interested in. I have friends who have found jobs in under a month using this method during peak recruiting.

Final tips:

Set a reminder in your calendar for your 3-day and 5-day (called 3D5D) reminders. They can start getting confusing when you have a few things going on.

Focus on what you like. Reach out to people who sound interesting. It’ll help the conversation feel more natural. It became a lot more natural when I reframed the conversation as “What can I learn from them?” as opposed to “What can they do for me?”

You won’t vibe with everyone and that’s okay.

Be prepared to answer this: “Tell me about yourself.” Spend less than 2 minutes on this intro--just give your background, what you do, what you love, or what you are interested in. If you need more help creating your pitch, here is a great video.

This is the quick-and-dirty version of this, but it’s all in the book The 2-Hour Job Search. Steve Dalton is a cool dude who wrote this book because he’s an awkward bean and making this step-by-step guide helped him. I hope this was helpful to you, and if you have any questions, please don’t hesitate to ask me!

Lastly, assume positive intent! <3

Networking sucks. But it does work. I have severe anxiety over meeting strangers and phone calls, but this is formulaic which helps.

And it feels contrived, because it is. But try to focus on the idea that you want to learn from these strangers and not get a job, and that helps the interactions be more normal.

And happy job hunting!

[angel-deux-writes]

I don’t think I’ve ever talked about this On Here, but I really want to tell the story of the guy who put in my kitchen floors because it was terrifying

im putting it under a cut bc it’s probably not that long, but who knows.

(scrolled back up after i actually wrote it to confirm that it is in fact long)

Some backstory is that I was INCREDIBLY lucky and got my condo very cheap in a neighborhood I already knew I loved. The other unit I’d looked at was a full 30k over my budget, but this one was perfect because the owner hadn’t updated ANYTHING since it was built in 1985, so it was just...awful. Awful rugs, awful floors, awful walls. My dad is like...the dad who loves a project, so he was all “I can fix all of this except the floors!!! it’ll be great!!”, so I bought it. We hired a local company to do the floors, not wanting to go to Home Depot or whatever (Which i still support in theory, just......not this company lmao). Everything except the kitchen and bathroom was originally carpet. Hallways, stairs, every single room. And it was cheap industrial carpet, too. Like the kind in office buildings. The dude who did the carpet was like “what the fuck were they thinking???” 

Also, one of the carpets had a truly upsetting rusty stain, so. My guest bedroom might be haunted. 

Anyway, the carpet guy was great. He was the owner of the company, and he was older and very kind. I had my mom come over with me when he was doing the carpets, but I didn’t even need her there. He was cool. His son was in charge of the hardwood portion (I say “hardwood”. I mean, like, the cheapest laminate while still looking nice lmao). He was less great. He had a team of like 3 dudes and 1 lady who would show up and work, doing my office/dining room and upstairs hallway. I know carpet is easier, but the carpet guy took one day, and these guys took a week and a half. They messed up a few times, and it was kind of stressful, but overall it was okay. They had to redo all the subfloors, because condos built in 1985 were almost universally built in buckwild, impossible-to-explain ways, so it took forever. The hardwood guys were loud as hell, but they were nice! 

At one point, one of the nicest guys accidentally broke a few of my kitchen tiles while putting in the transition from the wood to the tile. I was cool with it, tbh, but he offered a discount on a new kitchen floor because, shocker, the subfloor under the broken tile was really jacked up, and it wouldn’t be as simple as taking a tile from under the fridge and replacing it. I was like, okay, cool! We set it up. 

I did not hear from them for four months. Which, I get it. It was a discounted job, so obviously they wanted to do full-price jobs first. I have no problem with that. The same hardwood guys came back to do the subfloor, and then they were like “okay [the owner’s son] will contact you about the tiles. That took about a week. Finally, I got a date. It was a Friday, a day when my sister was already working from home, so she was like “yeah, I can handle it.” She works in interior design, so she’s used to dealing with construction people, and she was REALLY useful when it came to talking down the son of the owner, who was like...every bad stereotype about contractors meshed with a used car salesman. 

So I’m at work the day the tiling is supposed happen. My sister is fine at first, texting me about how the son showed up with one single guy, and then left, so it was only the single guy working. She was annoyed like “it’s supposed to take one day, right? That’s what they said? There’s no way he’s finishing at this pace. Why are they making this guy do the whole thing by himself?”. She called him “nice, kind of cute, but a very slow worker”. I was like ‘well, if they have to come back tomorrow, whatever, that’s fine’.”

Around 10:30 she starts texting me increasingly insane shit. 

“He’s talking to himself downstairs? Maybe he’s on the phone”. 

“He keeps dropping stuff and yelling SHIT really loudly.”

“Someone just showed up with a bag, and he let them in, and they chatted in the kitchen for like ten minutes, and then the person left, and they didn’t take the bag with them”. 

“He’s standing outside using the tile cutter and SCREAMING whenever it’s on.”

“He’s out in the rain and shout-singing something while he’s cutting tile”

“He is BARKING LIKE A DOG TO THE TUNE OF THE RUGRATS THEME SONG CAN YOU PLEASE COME HOME”

I’m half convinced she’s making this shit up, but she’s uncomfortable so I tell my boss what’s going on and race home. When I get there, there’s a vaguely adam driver looking guy who seems nice enough. A little startled to see me, but we make pleasant conversation, I see that he’s not very far along, and then I go upstairs to see my sister. I brought her takeout as a treat, and we sit there for a while talking about normal things. Gradually, downstairs, the dude starts talking to himself. I’m thinking that’s still not THAT weird. Then he starts singing and clapping along. Okay, a BIT weird, but not terrible. I decide to go downstairs into the living room and play some Playstation. Like, maybe he thinks we can’t hear him upstairs and he’ll be more chill when i’m down there? NOPE! HE ABSOLUTELY WILL NOT! He does the barking thing again (and it is, in fact, the rugrats theme song), he’s working at a pace of about one tile per hour, and he starts singing a song that consists only of the word “bitch” over and over again. 

I’m texting my dad, freaking out, and he tries to get in contact with the owner or his son, but nobody’s answering the phone. My other sister and her friend are on their way for game night. My sister’s boyfriend should be home soon from work, but not soon enough. It is, at this point, 7 pm. There is absolutely no chance he’s getting these tiles done today. He’s not even halfway done. My kitchen is VERY SMALL, by the way, so this reasonably could have been done in a day with two people, but I suspect that because it was a discount job, we got the discount treatment. 

My other sister and her friend show up, and the guy is perfectly pleasant and normal to them. We all go upstairs into my sister’s room, and we sit there, waiting in silence for it to start again, hoping that maybe with more people in the house, he’ll be okay. 

NOPE! He starts singing the “bitch” song again. I distinctly remember my other sister whispering “I love this song” and pretending to groove, which was kind of funny but NOT THE TIME. I’m sitting on my sister’s bed clutching a camp axe like a maniac, because I’m like “we are going to be killed by this giant kylo ren asshole”. I’m still texting my dad, who’s like “if you need me to come over, I can, i’m out of work”, but at this point it’s almost 8 and I’m also thinking about my neighbors. Like, he can’t be here at night. He just can’t. He’s so loud even just doing regular tile things! 

I muster up LITERALLY EVERY IOTA OF COURAGE THAT I HAVE, and I head downstairs. I ask him when he’s planning on wrapping up, because I know there’s no way he’s going to finish tonight. He tells me it’ll probably take about two more hours. That is 1) absolutely not true and 2) not something I’m willing to deal with because I live in a condo with neighbors on either side of me, and one of my neighbors is a truck driver who gets up at like 4 am! So I explain that my friends and I have an obligation to get to, and I would love it if we could arrange for someone to continue the work tomorrow. He’s SUPER NICE ABOUT IT and is like “oh, okay, no problem!” He leaves. Just...walks into the rain. Leaves all his tools and his tile cutter. I move it inside because it was on my front porch and it is, again, raining. 

My sister, a Nancy Drew Game fiend, starts searching the entire downstairs and eventually finds the plastic bag that someone brought him. My other sister, who is a nurse in a hospital that primarily treats overdose patients, is like “yep, that’s drug residue for sure”. I’m like, okay, so he didn’t hurt any of us, and he was nice, just....high and weird. But it’s over now, so whatever. My dad says he’ll call the owner’s son the next day, and everything’s cool. He also says that he, my mom, and my brother will all come over to watch the football game at my house the next day just to be there (which...im less than thrilled about the football part, but sure). I also beg my friend to drive up from the Cape to pick up his hat that he left at my condo over the summer just so he can chill for a few hours in the morning. 

The next day, the same guy returns, with the owner’s son this time. The owner’s son is like “why did you only get this far along?” but otherwise doesn’t really say anything. The barking guy is TOTALLY FINE, totally polite. My friend lingers as long as he can, but there’s an ice storm coming, so he peaces out eventually. I’m alone for about an hour with the guy, and nothing happens. He’s quiet, even when the owner’s son peaces for a bit. My parents show up, we watch the football game, and nothing happens. I feel like A LUNATIC, because my dad is like “he seems fine now” and I’m like NO BUT YESTERDAY WAS TERRIFYING. 

Anyway, so that’s the story. I didn’t end up saying anything to the owner’s son, but my dad reamed him out a bit for sending only one person to do a job meant for two. And now every time I drive by that business I suppress a shudder, and sometimes the barking version of the Rugrats theme song still gets stuck in my head.

[the-master-cylinder]

Empire Pictures/Tycin Films (1986-1987) “At the time everyone was talking high concept so I said let’s do RAPISTS FROM OUTERSPACE.” Charles Band bought the film released as Breeders as well as Mutant Hunt, which Kincaid shot back-to-back. Director Tim Kincaid was rewarded with a long term, ten picture deal with Empire in which some of the films will be made under his Tycin Films banner and others under Millennium Pictures. The latter will include some bigger budget items. Make them for under $1 million each on 10-day shooting schedules, back to back. Kincaid explained that most of the Tycin features will be produced for direct-to video sales probably through Empire’s own Wizard Video. The remaining films will see a theatrical release.

Although filmed after Mutant Hunt, Breeders (1986) was the first to land on video store shelves aided by a stylish pulp-influenced poster. Though no censors could get at his script Kincaid did have a domestic overseer. “My wife is very much into making sure that women aren’t being ripped-off in these films,” he said. “We had a lot of nudity but we weren’t brutalizing women on screen. Everything is implied. Variety speculated that BREEDERS went out on video because of problems with the rating board, but we had always planned to make it an R-rated film. Nothing has been cut for the video release.”

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The climactic scenes of BREEDERS take place in the monster’s underground lair, where it has created a nest for its victims. Kincaid filmed in a series of catacombs under the Brooklyn Bridge, used by workers who built the structure. There are vast rooms with brick and stone archways, the largest of which is a prayer room used by the men before they went into the depths to work. Kincaid learned of the location from BREEDER’s makeup effects man Ed French.

The monster’s victims were to be seen immersed in a pit of translucent slime actually gelatin. But with the actresses disrobed and immersed, the jello failed to gel. Kincaid was wary of adding the chemicals necessary for fear of harming the girls.

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“The art director jumped in a van and headed for the nearest supermarket,” said Kincaid. “He brought back ten pounds of flour and we poured it into the pit. It worked, but unfortunately it turned it white and gave the scene these sexual undertones that we never meant for it to have. The girls ended up working in the stuff for four or five hours-until 4 a.m.”

Necropolis (1986) Reincarnated “Satanic Witch” from New Amsterdam, circa 1600’s comes back to revive her cult members by sucking the life force out of people.

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Robot Holocaust (1986) Just outside New Terra (whats left of New York City), Neo, a drifter from the atomic-blasted wastelands, and his klutzy robot sidekick arrive at a factory where slaves labor to fuel the Dark One’s Power Station. He meets Deeja, a woman (Nadine Hart) who convinces him to help rescue her father. The father is a scientist (Michael Dowend) who has invented a device that can break the Dark One’s control over the factory slaves. Gathering a motley crew of allies on the way, Neo goes to the Power Station to confront the Dark One’s evil servants.

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Mutant Hunt (1987), which Kincaid calls an adventure film with a science fiction background” finds Manhattan in a state of terror as Z, a mad industrialist, alters a squad of cyborgs with a drug known as Euphoron, turning them into crazed killers. The cyborg’s original creator is imprisoned by Z, but his sister escapes and seeks the help of Matt Riker, a private operative.

Kincaid directed MUTANT HUNT in 15 days, stretching the budget to give it more value and making up the difference by cutting corners on BREEDERS, putting that film in the can in only eight days. Empire is easily the most prolific distributor of genre films and their tactic of using both theatrical and video markets to release their product should enable them to keep a constant supply of films flowing to the fans. This is fine with Tim Kincaid, who seems to get a genuine joy out of making films, even on restricted budgets.

The location is a large industrial type complex, eight stories high and several blocks long. The Army abandoned the terminal more than a decade ago. Today, it is the home of a noisy spice factory, hundreds of dilapidated city buses, and a small, but eager film crew. “There’s nothing like a set that doesn’t move,” says Rick Gianasi. The beefcake actor plays the film’s macho hero, Matt Riker. “This place is fabulous,” he observes.

The same location, with its scores of broken windows and rusty train tracks, conjures up a nice post apocalypse scenario on this windy and cloudy morning. Despite the atmosphere, Kincaid explains that his movie is not set in the next century. “Matt Riker: Mutant Hunt is not Road Warrior or Star Wars,” he notes, but it is in the future, only about six years from now.”

Matt Riker: Mutant Hunt certainly has its share of Fango moments, so don’t get the idea that this flick is simply another science-fiction yarn. The movie’s mutants are actually diseased cyborgs, exploited by an evil genius called Z, who eventually run amuck throughout the Big Apple. Kincaid, while looking around the set and mapping out the morning’s schedule, adds that his film will not take itself too seriously, either.

“It’s sort of-I don’t want to say tongue-in-cheek because that term’s overused-a contemporary adventure,” he explains. “There’s not much hardware, just some lasers and effects. It isn’t knockdown, fall about-funny, but Matt Riker: Mutant Hunt has a sense of humor. The heroes are a happy-go-lucky trio of mercenaries, adventurers for hire who share a kidding camaraderie with each other. It’s a comic strip.”

The first shot of the day, which Kincaid is now planning, will take place on a concrete walkway inside a spectacular atrium that bisects the terminal. Grey buttresses jut out from both sides of the enormous hangar-like structure. Sunshine streams in from a huge skylight above, reducing the need for artificial lighting. To the left of the walkway, New York-based special effects man Matt Vogel peers over the charred remnants of Z’s dummy corpse, the victim of a Vogel pyrotechnic effect from the previous night’s lensing.

Vogel, who honed his incendiary skills on the pyromaniac horror flick Don’t Go in the House, is also contributing cyborg sparks, various fireballs and assorted gunshots. And included in his makeshift FX lab–actually his very own spot on the floor are boxes of ornaments, Christmas balls. Christmas balls?

“We have this chemical called titanium tetrochloride, ” Vogel elaborates. “When you open it up, slivers of smoke come out. It was once used for skywriting. The smoke is nice, but you can’t contain it. If I put it in a Christmas ball and seal it up, I have a titanium tetrochloride bomb. With a small explosive charge, the ball breaks and tendrils of smoke emerge. The hardest part of my job is finding Christmas balls in September!”

A few feet from Vogel’s effects “shop” is makeup man Ed French’s cluttered work area where he and his assistants John Bisson and James Chai leisurely paint some cyborg appendages. Later, French will supply an immobile six-foot cyborg “stretcho” arm, plus the diseased facial features for a cyborg duo. French took on a multiple challenge on these dual productions. Not only is he providing the special makeup effects, but Kincaid is letting him direct most of the FX sequences as well. “In terms of directing the special effects,” French reveals, “much of it is up to me. I don’t have any designs on becoming a director, but it is something I’ll have a lot to do with on these films. My storyboards are followed very closely by the editor. They’re very practical in terms of our shooting time. We can’t compete with An American Werewolf in London, but if it’s planned intelligently, we can have a lot of fun.”

French is particularly excited about a mechanical cyborg puppet that both he and Tom Lauten built for Matt Riker: Mutant Hunt. Its enticing features include a blown-away face with missing jaw, but French resists displaying this trophy, explaining that it is so fragile that he prefers to bring it out only when the cameras are rolling. Instead, visitors to the set get to see his chicken-wire-and-foam dummy, an unfortunate body that many crew members delight in kicking.

“This is our generic, all-purpose cyborg-dummy,”French announces, pointing to the abused double. “We took him apart yesterday, and pulled his arm off and had sparking as it came out of the joint. We divide him in half for an operating table scene. He also does some falling. This is body part city. We have an action scene where a cyborg knocks another’s head off, a combination dummy-puppet. We even have industrial strength cyborg blood squirting all over. It looks like anti-freeze.”

Nearby, two of the actor-cyborgs sit patiently while their bizarre crew cut hairstyles are neatly trimmed by the set’s conventional makeup artist Laurie Aiello. With their threatening height and muscular builds, these guys seem perfect for the cloneesque cyborgs, but their haircuts make them look like demented sailor boys. “We knew what we were getting into when we were offered the roles,” jokes Beta Cyborg Mark Legan, one of this production’s chiefly unknown cast. Alpha Cyborg Warren Ulaner doesn’t mind his appearance. “I was in the East Village the other night and my haircut was, more or less, conservative.” Adds French, “The makeups and designs are very stylized and give them a punk-heavy metal look.”

“I was looking forward to playing this kind of role,” says Legan, “because these guys are as villainous as you can get. Warren does a number of nasty things to people and gets a lamp stuck in his eye. Yesterday, I got to tear somebody’s arm off. That’s more fun than saving the girl. For me, the film’s highlight will be when I attack a couple in an alley, tear the girl’s head off and roll it down the street.”

For a production that is supposed to wrap in only 10 days, things are going very slowly on this Wednesday morning. Most of the crew point to the reason: they’re recovering from late night shooting of some extra action stuff to impress Charles Band. Band flew in earlier this morning to get an advance peek at the dailies and, according to French, liked what he saw. Today’s first shot involves a short dialogue scene with the intense Z (Bill Peterson) holding a fellow scientist (Marc Umile) at laser point. Kincaid is an atypical, laidback director who stresses the “please” when he calls, “Quiet, please” as things finally get moving.

“Maybe the pace will pick up suddenly, and it will be rat-a-tat-tat, scene after scene,” predicts the hopeful Ron (New York Ninja) Reynaldi. He plays Johnny Felix, a martial arts master and electronics expert to Riker. He also doubles as Matt Riker: Mutant Hunt’s comic relief and stunt coordinator.

Following the short dialogue scenes, Kincaid readies the next few shots in which the heroine (Mary Fahey, sister of Jeff Fahey), is chased down a dark tunnel. The crew pauses for the sun to hide behind some clouds (day for night). Despite the brief delay, the director remains confident that Matt Riker: Mutant Hunt will come in on schedule.

“I plan my films like any other feature,” he notes during a lunch break. “It’s like a jigsaw puzzle. What you have to realize is that a Magnum P.I. even though it’s 52 minutes long and they have a bigger crew and bigger budget-goes out in seven days. Everything is carefully planned out in advance and really set up so that we know where we are going. We know how long it’s going to take to shoot each thing and how much time to allow for it. That’s why we’re shooting so radically out of sequence.”

After Matt Riker: Mutant Hunt wrapped principal photography a week later-inserts will be shot soon and Band’s California-based technicians are doing the post-production opticals. Kincaid and company immediately began Breeders, a tale of lustful aliens invading Fun City with sex, sex, sex on their otherworldly minds. Some new crew members have joined this film, along with another batch of unknown performers, including makeup man Ed French. Breeders is shooting in the same underground tunnels.

“I think Breeders is going faster, but I don’t know why,” observes French, while preparing a shot with a grotesque half-alien/half-human baby. “Maybe it’s the script. Breeders is more elementary and straightforward. The style, which is very ’50s sci-fi monsters on the loose, almost dictates what you should do. On Matt Riker: Mutant Hunt, the script kept getting rewritten and getting bigger and more complicated. It’s an action movie with a lot of special effects. We knew Matt Riker would go over schedule a bit since it’s so ambitious.”

French steps aside to talk with his assistant, James Chai, who is lying on the dusty concrete floor for his part in bringing the monstrous puppet to life. The baby alien is appropriately disgusting, with an immense, gaping mouth running vertically down its face. A big, bulging bug eye blinks blindly. French applies some gooey methyl cellulose to its row of razor sharp teeth. Meanwhile, gun toting actor Lance Lewman and stake-wielding Teresa Farley wait for French to call action so that they can battle the crippled beastie. As on Matt Riker, Kincaid lets French direct his own special FX sequences.

Acting is another experience French is enjoying on Breeders. The occasional actor plays a doctor possessed by the aliens. Eventually, he even turns into one. “It’s really kind of exciting,” French laughs. “There was an eerie moment yesterday. I’m supposed to be hiding this little creature and then let him loose on these people. I was in the shot, so I just couldn’t step out of the scene and check out the creature. I had to stay in character and let my assistant take care of it.”

In a connecting tunnel next door, a couple of production assistants place the finishing touches on the aliens’ “nest,” a squat six-foot-square box made of foam, goo, plastic and some broken glass. The “Gigeresque” nest is where the captive women are taken. Attractive actress Francis Raines, last featured as the first victim of The Mutilator, does not mind wallowing naked in the nest for her upcoming scene as alien breeding stock.

“This stuff is like food preservative,” explains Raines referring to the buckets of methyl cellulose ooze. “It’s not like they hired 40 Ukrainian elephants to spit in there. I go through the pit and transform to become another Breeder. I can’t wait! At least, I keep away from the dirt.

“My biggest scene is where it does its transformation and chases me around this photography studio while I’m modeling swimsuits. He gets me, attacks me, and uses me. The biggest effect occurs when this stomach cord shoots out and grabs me. Its tentacles drag me away.’

French insists that Breeders is not as lewd as it sounds, while Kincaid obviously believes that sex and violence sell flicks. “I’ve always liked the lurid exploitation movies of the ’50s when I was growing up,” Kincaid remarks. “I think the time is right for them to come back, since we’re coming to the end of the wholesome-family-type science fiction that appeals to a wide range audience. Now, we have a big video market for these low-budget pictures. There hasn’t been an audience for these movies in the last 10 to 15 years… until now.”

In addition to “tactfully” filming the alien rapes, Kincaid and French wanted an abstract look for the invaders. French based his designs on a book of insect microphotography. Most of the black-painted Breeders suit lies in sections around his ad-libbed workshop. A separate Breeders insert head is used for close-ups, and includes waving antennae. An alien hand snaps out a line like a frog’s tongue as well.

“The most challenging bit about the whole thing, and what I’m learning the most about, is integrating the monster suits into the film so that it doesn’t look like a monster suit,” explains French during a 4 p.m. lunch break. “I hate monster suits. Everytime you see this thing, we show a little more of it, like in The Elephant Man. First, you see its hand, then its shadow, a partial transformation, etc. It’s all judiciously shot and generally nightmarish. You’re not going to see a guy running around in a rubber suit.”

Monster suits or not, everyone at Entertainment Concepts is banking that Breeders and Matt Riker: Mutant Hunt serve as the first of a succession of independent New York productions all to be released by Empire… if all goes right.

“Empire has approached us about working with them as an East Coast off-shoot of their production suppliers,” Tim Kincaid reveals. “Their films are shot all over the world, Spain, Rome, California, but they don’t have a group of people to supply them from the East Coast. They like the feel and scenic look of what they’ve seen. We’re hoping it’s the beginning of a series.”

Waldo Warren Private Dick Without Brain (1988) (The Occultist, MAXIMUM THRUST) A cyborg private eye is hired to protect a Caribbean president visiting New York City. Unknown to him, the president’s daughter is in league with his country’s rebels who are trying to assassinate him.

The History of Empire Films Part Four Empire Pictures/Tycin Films (1986-1987) “At the time everyone was talking high concept so I said let's do RAPISTS FROM OUTERSPACE." Charles Band bought the film released as Breeders as well as Mutant Hunt, which Kincaid shot back-to-back.

[faefictions]

The Kids From Yesterday | 1

Pairing: Harrison Osterfield x Reader

Word Count: 3,770

Summary: A road trip with her friends on the way to move in with her boyfriend makes the reader realize that she might not be as in love with the person she thought she was. 

A/N: Ok, so this was going to be just a one shot, but I couldn't control myself, and it got to be over 10k words before it was even half done, so here is part one of a 3 part (or not, idk how many) series!! 

Being in your early twenties is a weird time. Some of your friends are still living at home with curfews, some are still slogging through college, and some are getting married and starting the rest of their lives. When you were younger, you didn’t particularly see yourself being the latter of those options, you had imagined you would wait until your late twenties to settle down. But here you were, 22, sitting across from your boyfriend of 3 years. He had just asked you to move back home with him, and you were sitting speechless. He took it as a happy shock, but if you were going to be honest, it was anything but. 

None of your friends really liked your boyfriend, Adam. He wasn’t specifically terrible in any way, but he wasn’t exactly the best fit for you. He was very reserved in social settings, which wasn’t too off-putting for you, but it made it impossible to hang out with your group of friends. You had been friends with the Hollands since birth, so it was difficult to see them not get along with Adam, but you weren’t surprised. 

As Adam waited for your reply, you tried to use logic instead of listening to your heart. You of course had a place to stay already, and had never lived anywhere else, but your lease with your best friend and roommate, Harry, was going to be up in a couple months and you were already talking about trying to find a new place. You hadn’t been set on it, but this seemed to be a sign that maybe it was time. And you had never lived far from your hometown, so maybe this was a new adventurous chapter for you. So you agreed. You hadn’t thought about the implications it had for the relationship, but it was too late. 

When you got home that night and told Harry, he was less than happy. 

“Are you shitting me? Isn’t that something you should think over?” 

“Harry, come on. I’ve been dating him for years now, it’s about time we move in together anyway.”

“Yeah, in a flat across town, not in another city, hours away.”

“Harry, come on…”

“When?”

“I think he said next month? But I told him I was staying here with you until our lease is up and that I can just fly out and meet him there.”

Harry went to bed with a frown that night, but it was nothing compared to telling the rest of your friends. Harry’s twin, Sam, was the only one who tried to be at all supportive of you. Their older brother Tom was just as outraged as Harry, but the worst out of all of them was Harrison. 

You had only met Harrison a few years before you started dating Adam, so your relationship was different than the ones you had with the Holland boys. To be completely honest, you had had a huge crush on him before you got with Adam, but you knew that dating a friend would cause nothing but trouble, so you gave it up and moved on. 

Harrison was very protective of you, something that you loved. Even when Harry would simply tease you, Harrison would be by your side to defend you. He had been there for every single stupid fight you had with Adam, always holding you until you were stable enough to confront your boyfriend again. So when he heard the news of your leaving, his face fell, and it broke your heart. 

The 4 boys left empty beer cans littering the counters of your apartment’s kitchen while they drunkenly discussed their “secret” plans to get you to stay. You had argued that it wasn’t secret if you were there to listen, but they shushed you each time. You had to draw the line when they eventually came up with a plan to kill Adam and kidnap you. 

“Guys,” you laughed out to get their attention, “I’m sorry, but I have to go. As much as I would love to stay here and spend the rest of my life with you drunken idiots, I have to settle down at some point.”

A sad silence fell over the room, but Harry put a quick end to it. 

“You said he was going to head out there before you, yeah?”

“Yeah, why?”

“Well, how about, we all drive you out instead of you flying to meet him? We can make it a road trip, we’ll take the weekend off and send you off with some proper memories to remember us by.”

The boys all agreed that that was the only way they were going to let you out of their grasp. It sounded like fun, and would save you money since you didn’t have to book a last minute flight, so you agreed. 

A month later, Adam flew back to his hometown and began to look for an apartment for the two of you. He had a job arranged already, and you had a few interviews. You tried your best to be excited. You had been craving a change to spice up your mundane life for a while, but this just felt wrong. You loved Adam, but the second he had asked you to go, you had started to question how far that feeling extended. Moving to his home town with him was a big commitment, but you weren’t sure it was one you were wanting to make. You were sure you weren’t ready to be married to him, but the more time you had to think about it, the more you realized that you were fine with being married at this age, you just didn’t want to be married to Adam. But you were in too deep to back out, and every time Adam called you to update you on the apartment search you were reminded by the hope that he would never find something. 

A week before your lease was up, your phone screen lit up, and you knew it was the call you had been dreading. He had found the perfect apartment. It was affordable and 10 minutes from a beach. It had a large kitchen and beautiful patio with a view. It was more than you could ask for, and the pictures should have made you feel better about the move, but not even a mansion could make you happy about leaving. 

You of course decided to hide this feeling from your friends. If any of the 4 boys found out, they would easily talk you out of it. You just didn’t want to hurt Adam, so you decided to give it a year. If you weren’t happy, you could always move back. 

Despite losing his roommate, Harry decided to renew the lease under his name, and he told you if you ever wanted to come back, your room would be open for you. He helped you pack up your things every night for a week before you had to go. It mostly consisted of him throwing things in boxes from across the room and you yelling at him for nearly breaking all of your belongings, but it didn’t make it any less special. 

The night before you were set to leave, you both sat on the kitchen floor with a complete mess surrounding you. You were going through each and every belonging and sorting through what belonged to each of you. An hour into sorting, you guys broke out the alcohol, and the sorting became much slower, but the laughter that filled the apartment made it ok. There were mugs and plates scattered across the floor, random utensils and gadgets lying between them, and in the middle was the pair of you with bottles in your hands. 

“Ok, but do you remember when our neighbor lit her curtains on fire? They smell spread through the entire building, and you thought it was my cooking,” Harry laughed. 

“Of course I do. Do you remember when that same neighbor had that man over and we had to turn the volume on our movie up as far as it could go to drown out their moaning?”

“Burned into my skull.”

You both continued to reminisce as a knock came at the door. You chose to ignore it at first, you wanted to enjoy the last moments you had with Harry as your roommate, the person you wished you could remain living with. But the knock came again, so you got up, realizing suddenly that you had had more to drink than you originally thought. 

You stumbled over to the door and opened it to reveal Harrison on the other side. The frown you had from being dragged away from Harry was quickly replaced with a beaming smile when you realized who it was. 

“Haz,” you exclaimed, throwing your arms around his neck, “What are you doing here?”

“Have you been drinking?” he chuckled, hands going to your waist. 

“I am an adult and it is 10 pm, you have no room to judge, buddy.”

He smiled at you and took a few steps past so he could close the front door for you. ��Is Harry around?”

“In here,” Harry called from the kitchen floor. 

When Harrison saw the mess surrounding Harry, his face fell to confusion. “Are you guys just trashing the place now?”

“We were sorting through our things, don’t want y/n missing anything when she leaves. What are you doing here?” Harry asked as he stood up to join you. 

“I just wanted to see y/n one last time before we left. The apartments not going to be the same without you.” 

You tried to hide your blush as you went to offer Harrison a beer from your nearly emptied fridge. He happily took the drink and joined both of you on the kitchen floor. He sat quietly as you and Harry continued to reminisce, a smile appearing on his face with each story. You had noticed that he was quieter than usual, but you were too caught up in the conversation to ask him if he was alright. 

After a few hours of drinking on the kitchen floor, the three of you had finally sorted through everything in the kitchen and cleaned up the mess. It was nearing midnight, and as much as you wanted to soak up every last second in the place you had spent the happiest moments of your life, you knew that you had to get some rest for the trip. 

“Do you want to stay over tonight, Harrison?”

“Yeah, if that’s fine with you guys.”

“Can we have a sleepover in the living room?” you excitedly asked both of them. There was no way they could say no to your excitement. Within minutes, the couches were covered in blankets and pillows and you were searching for a movie to fall asleep to. You settled on an old action movie that you had seen multiple times with Harry. By the time you had settled into your corner of the couch, Harry was already asleep. You were laying with your head on the arm rest, feet curled up near your chest to leave room for Harrison on the other end of the couch. 

“Are you excited to leave tomorrow?” you heard Harrison quietly ask over the movie. 

You sat up a little so you could see him clearly. He looked over at you, patiently waiting for a response. You considering telling him about the internal dread you held on the subject, but you had hid it to prevent any of the boys from talking you out of it. Since you were still able to be coerced to stay, you decided against it, but hated lying to him. 

You settled on replying with, “I’m a bit nervous.”

“Why would you be nervous?”

Of course it was because you didn’t want to be with Adam, but that was more information you couldn’t divulge. 

“It’s just further than I’ve ever been from home, you know? But I’m sure it’ll be fine.”

Harrison could tell you were hiding something, but he knew that you were holding back for a reason, so he pretended to believe you. 

Nothing else was said as both of your eyes reluctantly turned back to the television, slowly coaxing you both to sleep. 

The next morning, you woke up to your alarm going off. The slight headache from the alcohol you had consumed the night before was the last thing on your mind. You tried not to tear up as you woke up the 2 boys. You were feeling a depressing amount of nostalgia, and it was getting hard to hide. But you powered through, and once the boys were awake, all attention was off of you as they began to take your things out to the car. Sam and Tom showed up within an hour after you had woken up, and shortly after, everyone was packed into the car along with the bags and boxes. Luckily you hadn’t needed to bring much. All of your furniture was going to be picked up by your parents to be brought back to your childhood bedroom, and Adam had the furnishings of your new apartment arranged. 

The five of you had arranged to share a large hotel room so you could split the drive over 2 days. You could have easily made it in one, but they refused to let you go so soon. They had also planned a few surprise stops along the way. 

You spent the first leg of the drive trying to force yourself to live in the moment. Your brain was torn between wanting to soak in every last second with your friends and dreading the destination of your trip. While you knew you would see them again, you weren’t used to not seeing at least one of the boys everyday, so you did your best to focus on them, but the dread was built up so high in the back of your mind that it became impossible to ignore anymore. 

After a couple hours of driving, you made it to the first planned stop. It was a large restaurant in the middle of a town you hadn’t heard of. You had no idea why the boys were all so excited to take you there, but it was obvious once you saw the interior. There were deep red tablecloths covering each small table, fancy dishes professionally set atop each one. There was a large, beautiful chandelier in the middle of the large room. The boys all watched your face light up when you saw the inside, and their smiles matched yours when they saw your excitement. 

“How did you guys find this place?”

“It was Harrison’s idea,” Tom smiled. 

“I saw a picture of it on Instagram, thought you might like it.”

You were surprised that the hostess led your group to a table with how you all were dressed. None of you were wearing anything fancier than jeans, and this restaurant didn’t seem like the kind of place to allow anything less than black tie apparel.

The food you received was amazing, and the company was of equal quality. The meal could have lasted 15 minutes, but you remained seated for over an hour, laughter filling the quiet room. For being so fancy, the place was surprisingly empty. 

When you got back on the road, you sat in the backseat between Harry and Sam. Music was blasting through the stereo speakers and the windows were all down, allowing the breeze to blow everyones hair into their faces. You were finally able to push the thoughts to the back of your head and enjoy the car ride, listening to the boys sing along to every song. The drive passed by quicker than you hoped, and you were at the hotel before sundown. 

The room the boys had rented had two beds and a pullout couch. The twins called one of the beds, and Tom suggested you share the other with Harrison and he could take the pullout. 

You brought your small bag into the room and set it next to the bed designated as yours. The white sheets made it look incredibly inviting, and you were almost tempted to crawl underneath them and take a nap, but it was only late afternoon and if you slept at that point, you were going to be up way too early the next morning.  

You weren’t sure who had suggested it first, but everyone had agreed that you all needed to find somewhere to get drunk together. You put your shoes on as the others rushed in and out of the bathroom to get ready. 

Within the hour, you left the hotel room and found yourself at a loud local bar. The music blasted through the speakers, and you smiled endlessly as you downed shot after shot of whatever drink was cheapest. You planned on getting the most out of your money for the night. You tried to drag Harry out to the dance floor that had a small crowd of people who were just as terrible as you, but he refused to be seen dancing in public. 

“I don’t care how much I have in me, I won’t be caught dead out there tonight, y/n.”

As Harry walked to the booth where his twin was sitting, Harrison took your hand and laughed at your angry, scrunched up face. He led you to where you were trying to take Harry, and you stuck your tongue out over your shoulder to Harry from across the room. He smiled and did the same to you. 

The three Holland boys watched as you drunkenly danced with Harrison. You were a few shots ahead of all of them, and it was no secret that you didn’t hold your liquor as well either. You bought a few more shots, but Harrison cut you off eventually, trying to get you to go sit down at the booth with the rest of your friends. 

“Its either dancing or more alcohol for me, pick your poison, Haz.”

“Actually, it’s your poison. Dancing it is.”

Your dancing was more of a series of jumping and singing along loudly as you flailed yours and Harrison’s arms. To anyone else, it may have looked ridiculous, but to your friends, it was just you having a good time, something they had missed seeing. It was rare to get a night out like this with you. Adam had really put a damper on your adventures with these boys, and eventually he had put an end to them. 

You told Harrison you were going to the bathroom a few minutes after you had been “cut-off”, but you just used it as an excuse to order a few more shots while his back was turned. You had one down when Harrison reached you, wrapped his arms around your waist and tried to carry you away from the counter. You were laughing too hard and flailing around too much for him to get very far. He set you down on the dance floor, a few feet away from where he had grabbed you. 

“I said no more,” he lectured, but he couldn’t help the smile creeping up on his face. You were pretending to have no idea what he was talking about, and he found it adorable.  

“I just wanted one more. I’m having a good time, Haz,” you finally admitted. 

“And you’re one shot away from a bad time.”

You scrunched your nose at him, just like you had done when Harry refused to dance with you. You both knew he was right, so you didn’t fight him on it. 

You two walked back to the table and spent some quality time with the rest of the group. They mostly just made fun of your dancing, but you just claimed they were all too chicken to have any real fun by making fools of themselves. You did sneak off one more time to get the last shot you had already paid for, but no one caught you that time. 

You were almost asleep on Harry’s shoulder when the boys decided it was time to go back to the hotel. They each offered to carry you, but you insisted that you were completely capable of making it back. 

As you walked back to the hotel, you did stumble a little, so Harrison slowed down to your pace, keeping an arm tight around your shoulder as you both trailed behind the others. 

“Thanks for dancing with me tonight,” you beamed up at him. 

“Of course, I was just glad to see you having a good time.”

“It’s been a while.”

“Well you’ve been living your life, we understand.”

“No, I mean it’s been a while since I’ve had a good time.”

Harrison furrowed his brow at the change in your tone. He wanted to ask what you meant, but felt that he shouldn’t push it when you were this intoxicated. 

“Can you keep a secret?” You asked, a little slurred. 

“Of course, but…”

“I don’t think I love Adam. I’m kind of afraid I’m making a huge mistake.”

“Y/n…”

“I really should have dumped him when he asked me to move in with him instead of saying yes, but I was dumb. And I’ve been thinking about it, I think I’d rather marry a…a sea urchin.”

He laughed at how you spat the words “sea urchin”, but his laughter quickly subsided as he sadly glanced down at you. Your eyes were set in front of you, and he had never seen them look so dead. 

“I wish I could go back in time and say no,” you whispered after a few beats, and he caught a glimpse of a tear roll down your cheek. 

He finally paused on the sidewalk and pulled you into his arms, hugging you tightly as a quiet sob came out. His hand held your head against his chest. There was so much he wanted to say in that moment, but he knew he couldn’t. He wasn’t even sure you would remember this moment in the morning. So he just held you in his arms on the sidewalk for a little longer.

Harrison gave you a piggyback for the rest of the way. The moment your head hit the pillow, you were out for the night. Harrison, on the other hand, took your shoes off for you and laid them by the bed. Everyone in the room was snoring as he sat awake with your words running through his head. 

Let me know if you would like to be tagged in the other parts of this series! (or if you would like to be added to my permanent taglist!)

taglist: @smilexcaptainx @artsycth @rose-marys-love @chonisberonica @5sos-wdw @chloe-geoghegan1 @spiderlingsweb @embrace-themagic

[weekendwarriorblog]

The Weekend Warrior July 16, 2021 - SPACE JAM: A NEW LEGACY, ESCAPE ROOM: TOURNAMENT OF CHAMPIONS, PIG, ROADRUNNER, GUNPOWDER MILKSHAKE, and More!

We’re starting to get into the thick of summer where we’re likely to get two or maybe even three wide releases a week, and that’s definitely the case this weekend, even if it’s likely that Marvel’s Black Widow will continue to run rampant and should stay at #1 for a second weekend in a row. I also was busier than usual due to the Emmy nominations yesterday, but I now hopefully have a few easier months until the actual Emmys. (Famous last words.)

We actually have two sequels this week, one a sequel to a movie from a few years back and the other a sequel (of sorts) to a movie from 1996, so yeah, released a few months away from the 25th Anniversary of its predecessor. That always goes well.

We’ll start with SPACE JAM: A NEW LEGACY (Warner Bros.), the long-awaited sequel/reboot of the 1996 movie that captured Michael Jordan at the height of his popularity and paired him with the Looney Tunes i.e. Bugs Bunny, Daffy Duck, Elmer Fudd, etc. For years, Warner Bros. and various parties have been trying to make a sequel, but it took basketball superstar, Lebron James and no less than Ryan (Black Panther) Coogler, to finally get the sequel made.

Directed by Malcolm D. Lee (Girls Trip, Barbershop: The Next Cut), the sequel involves James and his son Dom (newcomer Cedric Joe) having issues that are taken advantage by an A.I. named Al G. Rhythm (played by Don Cheadle) who brings James and Dom to the Warner Bros. “Server-verse” for a basketball game that teams James with the Looney Tunes against his son and a group of super-powered NBA and WNBA stars i.e. The Goon Squad.

Yeah, it’s a similar concept as what led to the 1996 movie that capitalized on Jordan’s popularity and threw in other NBA greats like Charles Barkley and Patrick Ewing, plus a little Bill Murray, and then lots of Warner Bros’ popular toon characters. That original movie opened with $27.5 million in 2,650 theaters in mid-November 1996 against the second weekend of Mel Gibson’s Ransom, but it went on to gross $90.4 million domestically with the bump from the holidays (which A New Legacy doesn’t have). In some ways, the movie was a response to the success of the 1988 hybrid Who Framed Roger Rabbit, which included many of the Looney Tunes, despite it being a Disney movie.

Looney Tunes movies (and even movies based on WB properties like the Cartoon Network) haven’t done particularly well since the first movie with Looney Tunes: Back in Action opening in November 2003 with just $9.3 million and grossing just $20.5 million domestically, which isn’t good. Space Jam: A New Legacy is Warner Bros’ first attempt to bring its toons back to theaters, and the company will be watching it closely since it has already started production on Coyote vs. Acme, a CG animated film featuring the age-old nemeses.

As far as basketball movies, the comedy Uncle Drew, which also starred Lil Rel Howery oddly, that opened with a decent $15.4 million in the summer of 2018 and grossed $42.6 million domestically, but that’s without the name brand of “Space Jam” or the beloved toons that will be a bigger selling point to kids than the basketball.

Working in Space Jam’s favor is that it’s a movie both for adults who were kids when the first movie came out, as well as modern-day kids who love sports or the toons, and that should help drive business over the weekend. What is likely to hurt is that the reviews, so far, have been absolutely TERRIBLE - 35% on Rotten Tomatoes, and while that might not put off the kids, it certainly will put off their parents.

The movie is also debuting simultaneously on HBO Max, just like other Warner Bros. movies this year, although as we’ve seen with Godzilla vs. Kong and Mortal Kombat, that doesn’t necessarily hamper how a movie might do in theaters. One thing that’s changed is that Disney announced its PVOD numbers from Black Widow’s Disney+ debut over the weekend, which might change people’s tunes about feeling the need to go to theaters to see a movie like this, and that certainly might affect Space Jam’s opening weekend, but I think it will mean an opening in the mid-to-high $20 millions vs. something in the mid-$30 millions. It also doesn’t have too much family competition until Disney’s Jungle Cruise in two weeks, so it should be able to make $70 million in domestic theaters even with it being readily available on HBO Max.

Mini-Review: I’ll freely admit that I don’t have the long-term nostalgia for the original Space Jam of so many others. In fact, I only saw it for the first time a few days ago on my TV set, which may be the way many will see Space Jam: A New Legacy due to the fact that it’s on HBO Max. It’s just another casualty of my ‘90s when I wasn’t seeing many movies and also wasn’t going to see “kids’ movies.” But I do have a soft spot in my heart for the Looney Tunes, and HBO Max even did a pretty good job with its revival last year with some new shorts.

Unfortunately, this is more of a Lebron James/Warner Bros jam, to the point where you might wonder whether Lebron dictated how he wanted to be depicted to the gaggle of writers, and then Warner Bros came in and said, “Make sure to mention how great all our other properties are as well!”

The general plot involves Don Cheadle’s dumbly pun-named Al G. Rhythm -- I promise you’ll cringe everytime you hear that name -- trying to get attention by creating a showstopping basketball game between James and his son in a video game designed by the latter, and for whatever reason, it’s James who turns to Bugs Bunny to put together a team. It’s nearly 30 minutes before we finally see the Looney Tunes together, and that’s probably the best part of the movie, as Bugs goes to visit different worlds in the Warners “server-verse” to find his compatriots. I won’t spoil some of the movie worlds it visits, but these are some of the movie’s funniest scenes, although the laughs are fleeting since they’re relatively short gags. They're ruined by the movie going overboard in an attempt to throw James into some of these worlds, particularly the DC Comics superhero-verse, which seems like it might be influenced by the cartoons but never quite achieves that style of animation.

An hour into the movie, the Tune Squad is turned into 3-dimensional CG, as they face the Goon Squad team of NBA and WNBA all-stars transformed into creatures with superpowers. It's just unable to recover as the movie’s last hour focuses on that game, which is fine other than the fact that it's an awkward combination of the CG players with the audience being all sorts of background cosplayers acting as if they were found on Hollywood Boulevard or Times Square. This is the first time in a long time where I felt that the background actors ruined every scene... and then, of course, James and Cheadle are in there in a guise that seems to be a mix of human and CG.

I’ve been a fan of director Malcolm Lee for quite a long time, but Space Jam: A New Legacy is just an absolute disaster of a mess. Not that any of that matters much, because James is clearly a better ball player than he is an actor, and that fact keeps any of the movie from really gelling or offering much in terms of fun or excitement. I wanted to like the movie or find out what so many kids seemed to enjoy about the original movie 25 years ago, but sadly, that just never happened.

Rating: 5/10

The movie I’m looking forward to the most this week and will probably have seen by the time I write this is the high-concept horror sequel, ESCAPE ROOM: TOURNAMENT OF CHAMPIONS (Sony), which follows up a little over two years since the original Escape Room. This one is also directed by Adam Robitel and starring Taylor Russell and Ben Logan as survivors of an escape room created by an evil corporation doing experiments to see how people will act. The movie benefitted from putting terror into a very familiar and popular world of escape rooms, which obviously have not been quite as prominent since COVID racked the land.

The original Escape Room opened the very first weekend of January 2019, which has seen a lot of horror hits over the years, and it proved to be a wise move by Sony since it opened with $18.2 million despite the lack of any big stars. It also had better legs than most horror movies, grossing $57 million domestically and $98 million overseas. It also did quite well in DVD and Blu-ray sales, which meant that the sequel was greenlit fairly quickly.

Unlike Space Jam: A New Legacy, the Escape Room sequel is coming out a little over two years since the first movie, which is good since more young people will remember it. Another advantage it has is that it’s ONLY playing in theaters, plus it’s also getting a full 9-hour advantage by opening on Thursday afternoon, so it could make quite a bit of money before Space Jam shows up and takes over the second spot behind Marvel’s Black Widow. It’s also PG-13 so teenagers who might not have much interest in other movies out there (or they’ve already seen them) will be able to see the movie as a group without adults.

That said, I’m not quite sure the Escape Room sequel can open anywhere near the first movie only because it’s getting a summer release where it might not be getting quite the attention of other high-profile movies out there. I’d like to think it can pull in somewhere around $15 million and maybe moviegoers will surprise me since that first movie was generally popular and its sequel can’t be viewed on some streamer day and date. We’ll see if it can then translate that into a $35 to 40 million domestic total, since I’m not sure it can match the take of the original at least domestically.

My review for Escape Room: Tournament of Champions is over at Below the Line, and you'll see that I liked it quite a bit.

This Week’s Top 10 Predictions:

Since I don’t think that Space Jam: A New Legacy will make $40 million this weekend, that keeps Black Widow at the top for a second weekend in a row.

1. Black Widow (Marvel/Disney) - $35 million -57%

2. Space Jam: A New Legacy (Warner Bros.) - $27.8 million N/A

3. Escape Room: Tournament of Champions (Sony) - $15 million N/A

4. F9 (Universal) - $6 million -48%

5. The Boss Baby: Family Business (Universal/DreamWorks Animation) - $4.8 million -46%

6. The Forever Purge (Universal) - $3.8 million -47%

7. A Quiet Place Part II (Paramount) - $2.4million -28%

8. Roadrunner: A Film About Anthony Bourdain (Focus) - $2.1 million N/A

9. Cruella (Disney) - $1.9 million -20%

10. The Hitman’s Wife’s Bodyguard (Lionsgate) - .9 million -47%

This week’s “Chosen One” is Rosalynde LeBlanc and Tom Hurwitz’s documentary, CAN YOU BRING IT: BILL T. JONES AND D-MAN IN THE WATERS (Kino Lorber), which is a surprisingly good documentary that combines a classic work of contemporary dance with how it originated from out of the AIDS pandemic of the ‘80s. Bill T. Jones was running the Bill T. Jones/Arnie Zane Company with his love and partner Arnie Zane, when the latter died from AIDS, and the deaths that followed led Jones to create “D-Man in the Waters.” Decades later, LeBlanc is performing “D-Man” with her college dance class, and she, along with Cinematographer Tom Hurwitz, ASC, capture that experience and embellish it with interviews with Jones and the original company performers.

Honestly, I’ve always been a bit reticent about dance and movies about dance, even though I’m almost always find that I enjoy them, like, for example, Wim Wenders’ Pina and the Cunningham doc from a few years back. The same thing happened with Can You Bring It, where I went in expecting to hate it or not find it interesting, and nothing could be further from the truth. FIrst of all, the original dance performance is something to behold, because there’s just an amazing physicality involved, which is why it’s amazing to watch LeBlanc (and the Jones himself) discussing the conditions in which the piece was written, but also getting some historical context about New York City at the time and how it was left ravaged by AIDS.

Hurwitz has tons of experience with documentary but LeBlanc is a relative newbie, but the two of them working together create a fantastic portrait of Jones, his amazing choreography work, and how the world of dance has been improved by the existence of his work and younger dancers trying to recapture the spirit of the original work. As I said, this movie was a pleasant surprise by how much I enjoyed it, since it woudln’t normally be my thing, but if you have even a remote interest in NYC’s iconic contribution to dance and how it was torn apart by the ‘80s AIDS crisis, you should give this a look.

Can You Bring It opens at the Film Forum this Friday, plus it will also be available via Virtual Cinema nationwide. Also starting at the Film Forum on Friday is its first series since the pandemic, a comprehensive Humphrey Bogart hardboiled retrospective with 19 films in 35mm and DCP.

You can also read my interview with Director/DoP Tom Hurwitz over at Below the Line later today.

A movie I’ve really been looking forward to seeing is Morgan Neville’s ROADRUNNER: A FILM ABOUT ANTHONY BOURDAIN (Focus Features), which does for the famed celebrity author and chef what Neville’s previous movie, Won’t You Be My Neighbor?, did for Mister Rogers, really going in-depth into the life and career of the celebrated and opinionated foodie. Bourdain committed suicide in June 2018, leaving a lot of his friends and fans wondering why he would take his own life when he was at the height of his career. Neville’s film looks at that, but it takes some time before it gets there.

Oddly, even though I was a huge Bourdain fan and even moreso after reading his book, “Kitchen Confidential,” this isn’t my favorite movie Neville has made, and I’m still trying to figure out why. Sure, there’s tons of extra never-before-seen footage from the taping of his various world-travelling television shows. They do show us another side of Bourdain that maybe we didn’t get to see from what was eventually aired.

I guess I was disappointed that Neville didn’t try to talk to Asia Argento, or maybe he did, and she declined? (I was hoping to talk to Morgan Neville for Below the Line about this movie, but it wasn’t meant to be.) Bourdain’s friends and co-workers on the show talk about how Argento’s inclusion into Bourdain’s life disrupted the creation of his television show, particularly the Hong Kong episode Argento directed, which apparently wasn’t without its problems, even before it was yanked from CNN after Bourdain’s death. No one blames Argento for Bourdain's choice to kill himself, but it would have been nice to get her take on the man for a more complete profile.

Even so, one of my biggest issues with the movie -- and this is where I prove unequivocally that absolutely NO ONE reads this column -- has nothing to do with Neville’s filmmaking prowess or storytelling ability, but more to do with the complete inability by many that talk about his death to understand why there have been so many prominent suicides by hanging: Bourdain, Michael Hutchence of INXS, Chris Connelly of Soundgarden, and quite a few more. When you make the decision to end your life by hanging, there’s only two ways it can go: you fail miserably i.e. the rope snaps, the knots aren’t tied properly... or you die. Even if you have second thoughts while you’re standing on the chair, once you drop, you’re dead even if you merely slipped. This is why hanging has been such a popular form of execution for hundreds and hundreds of years. It’s hard to screw it up. Unfortunately, when you’ve decided you no longer want to live, and you decide to hang yourself, it’s much easier to succeed in doing so… and for better or worse, I’m not sure that Neville or any of Bourdain’s friends interviewed have ever been to that point where they tried to hang themselves to really understand that. It’s minor and probably will be a non-issue to most seeing this movie, but having been at that point of hopelessness myself (probably for far different reasons than Bourdain), that bothered me a little. That sort of context would have helped people who watch the movie understand Bourdain's last moments.

Despite those issues, Roadrunner brilliantly captures the spirit and tone of Bourdain’s character as depicted on his various television series. That's why Roadrunner is a movie that mostly worked for me as a fan of Bourdain’s amazing writing and television work.

Focus continues to give its movies semi-wide releases, and this one is going pretty wide into 800 theaters, so it might be able to peek into the top 10, maybe?

Another movie coming to theaters is Michael Sarnoski’s PIG (NEON), starring Nicholas Cage as Robin Feld, a reclusive hermit of a man who once was a legendary Portland chef. He’s now living on his own in the middle of nowhere with his truffle-foraging pig, but one night, some people break in and steal the pig, thinking that it’s their path to fortunes. Robin isn’t having any of it, and he follows his pig’s trail to a fight club and then to the father of one of his main buyers (Alex Wolff).

Even though I’ve known about this movie for some time, I didn’t really know that much about it. Like man, I expected it to be a straight-up revenge action flick a bit like John Wick, but the only thing this has in common with that is that this as terrific a showcase for Cage as an actor as that was for Keanu Reeves. Spending much of the movie completely bedraggled and beaten-up, this is still a far more subdued performance for Cage than some might be expecting, and a slower and more subdued film with only a few moments achieving anything that could be considered “action.”

Even so, this is such a great vehicle for Cage, and Alex Wolff is also quite good, plus there’s a foodie aspect to the movie that should make it a great double feature with Roadrunner. It should be expected with so much of it involving truffles, which not many people outside of chefs and gourmands know much about

Some people might go into Pig with the wrong expectations of this being some sort of genre revenge flick, but it’s in fact a pretty solid character drama, truly showing off Cage’s terrific ability at creating character, so hopefully, it will find its audience even it might not be the one some might expect.

Rating: 7.5/10

Pig will actually open in a few hundred theaters nationwide so plenty of opportunities to see it that way.

Netflix has a duo of high-profile films this week, including the action-thriller GUNPOWDER MILKSHAKE (Netflix), starring Karen Gillan and directed by Israreli filmmaker Navot Papushado (Big Bad Wolves). Gillan plays Sam, an assassin for a group called The Firm, a second generation assassin no less since her mother Scarlet (Lena Headey) was also an assassin. One day, she finds herself on the bad side of a crime lord whose son she killed (on a mission) and finds herself having to fight off dozens of killers as she tries to protect that man’s 9-year-old daughter Emily (Chloe Coleman).

I can’t believe how much I absolutely hated a good part of this movie, because I generally like Gillan and some of the others in this movie, but I don’t any of them are doing particularly good work. For instance, Paul Giamatti is in full-on scenery-chewing mode as head of the Firm, but there’s also a great trio of women known as the Librarians, played by Michelle Yeoh, Carla Gugino and Angela Bassett, who I wish were in the film more than they actually are, because they literally are the best part of the film. (I also was pretty disappointed by Coleman’s bland performance lacking any of the personality she showed in My Spy, in which she was very funny.)

Basically, it feels like this is another filmmaker who has seen Tarantino’s Kill BIll a few dozen times and thought they could do something just as cool. The fact that it’s so flagrant and obvious in its ripping that movie off, it’s almost impossible to fully enjoy it. What’s really missing is Tarantino’s knack for sharp writing, because the writing in this movie is just terrible.

I thought the score was probably the most interesting aspect of the movie, but even that was highly derivative of what Tarantino has done. Even the needle drop choices during the bigger action pieces feel too much like something Tarantino might do, but generally better.

Sure, there’s some cool action scenes, and the last act generally gets better once Headey and the Librarians rejoin the fray to fight off a cadre of henchmen, but the writing never improves, so it’s just a movie that relies on far too many “oooo… Cooooool!” moments that never really come together.

As much as Gunpowder Milkshake tries to be cool and stylish, it always feels like it’s trying too hard without understanding why movies like Tarantino’s and others work so well. Any of the bad-ass fight sequences are constantly marred as soon as there tries to be any sort of talking or story.

Rating: 5.5/10

The third part of the horror series based on R.L. Stine’s books, FEAR STREET PART 3: 1666 (Netflix), will hit the streamer on Friday, this one being a prequel to the previous two movies, taking place in 1666. I’m still behind on this series, but looking forward to a night where I can finally watch all three.

I definitely had more movies to watch than usual that I just didn’t get to include some of them like Martin WIlson’s directorial debut, the horror-thriller GREAT WHITE (RLJEfilms/Shudder), which stars Katrina Bowden and others, about a tourist trip that turns into a nightmare when five passengers on a sea plane get stranded miles from the shore and try to survive as they run out of supplies and run into, you guessed it, a shark. Sounds like my kind of movie, but I’ve just been swamped.

I was pretty tickled by the premise for Jean-Paul Salomé’s MAMA WEED (Brainstorm Media/Music Box Films), starring the wonderful Isabelle Hupert as Patience, a French-Arabic translator for the Paris anti-narcotics police unit who interprets calls between the city’s top drug dealers. She’s taking care of her aging mother and one day she hears the son of one of her mother’s nurses, so she tries to protect him but ends up with a huge cache of hash, so she becomes a drug dealer herself, becoming the persona of “Mama Weed.” Nominated for a César for its screenplay, the movie will open in select theaters this Friday and then be available On Demand on July 23.

Another doc of note is Aisling Chin-Yee and Chase Joynt’s NO ORDINARY MAN (Oscilloscope), which tells the story of American jazz musician Billy Tipton who had spent his entire career passing off as a man, unbeknownst to his wife and son that he was born female. It’s an intriguing story that unfortunately got mangled by the talk shows after Tipton’s death in 1989, but the filmmakers use an interesting way to tell the story rather than using talking heads. I haven’t actually watched it yet, but it sounds intriguing. It will open at the IFC Center in New York and the Landmark Nuart in L.A. on Friday.

Debuting on Hulu this week is the amazing six-part docuseries called MCCARTNEY 3, 2, 1 (Hulu), which as you can safely assume is about Beatles founder Paul McCartney, covering his sixty-year career as he talks with producer Rick Rubin in a studio filled with instruments and tapes of some of the great songs that Rubin mixes different elements up and down to discuss how they were done with McCartney. I generally love music docs, but this is something truly special that I expect to rewatch many times over the next few years.

Netflix also has a new docuseries called HEIST (Netflix) and is debuting a doc about tennis great, Naomi Osaka, this week. Meanwhile, the anthology prequel series, American Horror Stories, debuts on FX and FX on Hulu this week, as well, so it’s a pretty busy weekend, which was bound to happen after last week’s bye week.

Other movies out this week that I didn’t get to include:

Die in a Gunfight (Lionsgate) Out of Death (Vertical) Casanova, Last Love (Cohen Media) How to Deter a Robber

Next week, two more new movies, including the action prequel, SNAKE EYES, starring Henry Golding, and M. Night Shyamalan’s new thriller, OLD.

[keywestlou]

MORNING POST #49

Spent yesterday morning from 8 to noon undergoing some medical tests and blood work. Part of my annual heart check up. No time for the blog. By the time I researched and wrote it, it would have been 5 or 6 in the late afternoon.

Ergo, today a Morning Blog. My attempt to cover 2 days in 1. No order. You get my notes in the order they are stacked on my desk.

Enjoy!

Monopoly seems to have lasted a lifetime. Still ongoing. Remember from my youth. Played the game for generations with friends, my parents, my children, and my grandchildren.

The game will never die. Some variations have come out over the years. A new Key West Monopoly set will be available for purchase in the fall. In time for Christmas.

Casey Arnold is a Key West businessman. He came up with the idea of a Key West game. He contacted Hasboro Gaming who owns the rights to the Monopoly game. He received permission to proceed.

The new game is basically the same as the old. It will reflect Key West, however. Tokens will include a Kino sandal, slice of Key Lime pie, rooster, conch shell, manatee, and fishing boat.

No question. Most of us will be playing Monopoly again. For me, with Robert and Ally.

A South Beach update.

First, a possible murder. Two North Carolina men and a Pennsylvania woman. The two men raped the woman. She later died in her hotel room. It is claimed the two men gave her a pill before raping her.

The men were aged 21 and 24. The woman 24.

The men have been arrested.

I received a call yesterday from a friend. She wanted to share what she was seeing in South Beach.

Tons of people. Thought City government did the right thing in imposing the 8 o’clock curfew. Things were getting out of hand. A riot was inevitable.

The surprise was that the partiers were not college kids alone. Most were young adults. Those already out of school. Described to me as “young professionals.”

Interesting.

Filibuster. Biden has to get rid of it. I keep repeating myself.

He will have to crawl before he walks. First, a return to a Senator having to stand and argue his position for hours.

A few months later, a better way. Get rid of it in its entirety. By that time, Biden will have secured the support of the two recalcitrant Democrats or picked up some Republican Senators.

Biden and he country need the filibuster gone. Otherwise much needed legislation will move. McCullough will have succeeded “in scorching the earth.”

The word filibuster is derived from a Dutch reference to pirates. Evidence of its evil beginnings.

Filibuster became popular in the U.S. in the 1850s. I suspect because of the slavery issue at the time.

It has been used since in order to prevent action on a bill on the Senate floor.

There was a time when U.S. budgets were in the hundreds of thousands. Then millions. Followed by billions. Now, trillions!

Wow!

The recent stimulus package which has become law was $1.9 trillion. Talk now is of a $3 trillion infrastructure bill.

The condition of the U.S. economy today requires America to spend overwhelming dollars. The only way to stave off a recession.

Infrastructure is the best way to proceed. The money will create tons of jobs. Employment will rise dramatically. People will have money in their pockets to spend for items not necessary for survival/basics.

Biden has an immigration problem of magnitude on his hands. Especially involving children without parents. Now in excess of 3,000.

He thus far has played the game of blocking out news re the problem. I don’t blame him. However not healthy for the U.S. nor Biden.

The press have been a problem. They want access and ability to obtain news re the immigration children. Biden has been polluting press access. His conduct not one of transparency.

Critical though I am, I believe he will turn the problem around. Access however should be available even before he achieves his goal.

Mask wearing continues to be a problem. Many did not and do not want to wear them. Thank you, Donald. Government officials cater to their desires. The laws re masks are generally permitted to be flouted.

DeSantis advised last week he was not only opening Florida to businesses, he was also exempting old and new fines re failure to wear a mask.

Prior to DeSantis’ remarks, the Key West police were doing a better job re the masks. Giving out tickets. They stopped however based on DeSantis deciding the fines were not collectible.

Now no  one wears a mask. Not quite accurate. A mere handfull at any given time.

The Citizens’ Voice carried an interesting comment re the situation in this morning’s newspaper: “It appears that on the one-year anniversary of the lock down, St. Patrick came and drove the masks out of Key West.”

Last week, 8 killed in Atlanta. Yesterday, 10 in Boulder. A gun problem unquestionably. I continue to wonder if we as a people are ever going to get the gun issue under control.

I thought progress was being made. The NRA had been weakened. However, then came January 6. Even I who have never handled a gun or cared to, wondered if maybe this was the time for me to carry.

If January 6 was reflective of what is to come, then I need to protect myself. The issue of personal survival now part of the mix.

A thought concerning the Asian women murdered in Atlanta.

Respectfully, I thought any Asian problem in the U.S. ended with World War II. Never heard of any since, except those Trump motivated against China.

With the shootings, groups, organisations, and individuals have come out of the shadows and advising how horrific it has been for Asian women. The racism ran deep.

Glad they were there to tell us who were unaware. They should have been more vocal, if at all, before the Atlanta deaths.

Such is not the point I wish to make however. It is with the massage parlors themselves. Generally advertising Asian women inside. Publically known Asian women were the workers. Most if not all knew or suspected the massage parlors were dens of inequity.  Whore houses. Brothels.

A parlor provides “massage services for a fee.” As early as the 19th century, it became common knowledge the massage parlors were being used as a “euphemism for a brothel.”

In 2019, the Polaris Project estimated there were 9,000 massage parlors in the U.S.providing sexual services. “Full services” and “rub and Tug” available. The latter referring to only hand jobs being offered.

A 2011 study in New York city reported the “house fee” paid up front to the “mama-san” was $60 to $100 per visit. An extra $40 was required to be paid to the sex worker for a massage and “happy ending.” Oral and full service required an additional fee on top of the $40.

The massage parlors run like the whore houses in days old run by the Mafia. Girls are moved from one massage parlor to another for variety and safety purposes. A raided massage parlor reopened within a few days under a new corporation. The corporate trail made it virtually impossible to trace ownership.

My criticism once again is simple. Those now arguing in support of their Asian sisters should have been out there years ago arguing that their people were being used as prostitutes in the slave trade. Why weren’t they?

Their may be one explanation. They knew these women were working in the trade because they needed the money. To support themselves and their families. The apple cart was not to be turned over less the ladies not have a source of income to provide a somewhat decent life.

Key West has 2 Asian type parlors that I am aware of. I mentioned this 2 years ago in a blog. All of a sudden 2 appeared in Key West. One on Duval and the other on the corner of U.S. 1 and Eisenhower. Still there. Names Asian Massage Key West and Island Massage Spa.

On this day in 1775, Patrick Henry before the Virginia Provincial Convention spoke, “Give me liberty, or give me death.”

Syracuse, my Syracuse! I spent the season crying and moaning how terrible we were doing. Kept saying the best material ever player wise, but not getting it together.

Richard Nixon when discussing an election, said the campaign must peak as election day is reached.

Syracuse seems to be peaking. Wow!

First, I was shocked the team even got into the NCAA Tournament. Further shocked when I saw they were a #11 seed in the Midwest Region. Not bad.

Syracuse’s first game was against # 6 seed Sand Diego State. Syracuse won.

The next game this weekend pitted Syracuse against #3 seed West Virginia. Syracuse won.

Syracuse plays in the Sweet Sixteen this weekend.

They look terrific. Especially Buddy Boeheim. He has really come out. His shooting fantastic. He has scored 30 and 25 points in the 2 games mentioned.

I became irritated before the West Virginia game sunday night. In the pre-game show, the sportscasters analyzed the pending game. Gave all of 15 seconds to Syracuse. Spent several minutes thereafter talking about how good West Virginia was, that they should have been the #1 seed rather than #3, etc. Syracuse forgotten.

I do not know where Syracuse is going from this point forward. I hope their peaking continues. It would be nice to go to the Final Four once again. Even better, to win the whole thing.

I have tons more of notes. Blog already too long. I may be able to use some in tomorrow’s blog.

Tonight my blog talk radio show. Tuesday Talk with Key West Lou. Nine my time. Join me. I rant and rave. Love it! www.blogtalkradio.com/key-west-lou.

Enjoy your day!

MORNING POST #49 was originally published on Key West Lou

[borgevino]

aforementioned processing post. extremely long

this is an attempt to make sense of the timing of the alfred series of events. since it’s been so unremittingly awful and i’d really like to track it from the beginning.

dramatis personae (names changed)

my team: samuel (lead, great, v similar to me), irina (instructional associate (IA) like me, love her), dave (another IA, isn’t quite on the same wavelength as the rest of us bc he doesn’t know us like we knew each other already but a good guy nonetheless)

other team: alfred (lead, already doesn’t get along with samuel, they try to get along but it doesn’t work), matthew (also a full instructor, tries very hard but in the wrong direction, a cat who needs herding), zachary (an IA, one of my former classmates)

calvin & lev: TAs, former classmates

chris & betsy: managers

Mar 8

alfred wants to know if I’ll be his IA

Mar 14-15

I spend some time going back & forth about the IA position

Initial interview

convo with samuel about TA vs IA. samuel “if you want my advice, TA, this would give you the chance to debug and always be coding while you have the daytime to work on applications etc”

talked to irina about what the team would look like

Mar 16

interview with chris

talked with samuel about lectures & so on. he wasn’t sure if id be on his team but chris was pretty sure

alfred forwards me a job posting that one of his recruiters sent him, I have to let him know that I’m taking the IA job with GA

Mar 20 - 26 – planning week

starts off well

couple of times throughout the week there are some warning signs, most notably alfred asking me to come and teach responsive design

in fact alfred asked a couple of times for us to go in and teach some lectures in their class without offering to come in and teach with us at all

another iffy moment was that alfred was out both thurs and fri

zachary started stressing out around this time also

my team was all set with planning and so on but theirs was much less settled in any kind of real way

we planned our schedule, we sent it to zachary, zachary passed it on to alfred

overheard alfred say on a remote call with zachary and matthew that they had to “be careful” copying what ada cohort was doing

alfred still seemed obsessed with the idea of collaboration

samuel gets stuck on installfest concept for a couple days

i get stuck on assessment concept for a couple days

Mar 27 - Apr 2 – week 1

student from alfred’s class asked on the first day to be switched to our class, which sort of immediately set the tone for the rest of the course. said she liked our vibe better and liked samuel’s teaching style.

samuel & i discussed it some on tues

samuel: But, it was very validating in a way to see that our fears that we share were picked up on after we literally just said a 5 minute hello. We have an awesome team and it just sucks that I think we all basically refuse to work with the other side.

me: & i have some thoughts abt the other thing as well (we can discuss) but i think it boils down to, our definition of working together & theirs are pretty different (wrt the time involvement required, the purpose behind collaboration, etc.). i’d be fine to work with them if it was on our terms but idt it would be

alfred mentions on tues that he’d like to meet more frequently, sets up a meeting for wed. samuel is not into the idea as one of the things samuel was hoping for from the course was less time in meetings

samuel very stressed wed for no particular reason

“is it ok if i add alfred to our gh.” on thurs

strong talk with samuel on tues or wed about him not taking on too much. eventually did have an effect

Wed meeting with other team to discuss possibility of collaboration. consensus seemed to be one lecture from us over to them and a couple of morning exercises.

thurs morning, alfred says ‘that’s not what i agreed to’ when it clearly was what he had agreed to

alfred: Hey samuel, we’ll get back to you. I want to see how we can all contribute to this for both cohorts. In the meantime can you guys send us the timeslots that we can key into our course tracker for the guest lectures. I need this asap, as I will have to share this with various parties.

samuel: alfred, this is not what we discussed yesterday. I thought we were going to let unit one take it’s course and have j do the planning lesson. And then we’d take a look at unit 2 soon.

matthew: I know we discussed both options and i think the agreement was that for Unit 1 we would begin to cross pollinate with morning exercises for now and for Unit 2 we would discuss where instructors could find opportunities to reteach topics as that approach worked really well last time around

alfred: That’s not what I agreed to. The expectation is to share on all units. For example, if the wire framing is happening In unit 1, I want it to be done in unit 1 and any other lessons that we can all benefit from.

samuel: Yes I agree with matthew, morning exercises and he wireframing.

i taught thurs all day, then went out for drinks with the team, then met with matthew to discuss how i’d done the css lecture, then hung out with friend for a couple of hours

thurs during lunch had walk in the park with samuel where he talked a lot about the situation with alfred. notable: “I have to not lose my cool. …. how do i do that????”

thurs night samuel has the realization that he’s trying to do too much & needs to delegate more, irina & i rejoice. it’s a momentous and great occasion.

during friday internal meeting samuel metnions that he thinks what alfred is doing to him is gaslighting. irina and i sit in the back of the classroom after lunch and nod with strong emphasis along to a psychology today article on gaslighting.

we all four go out for drinks and talk some shit and it’s good.

brief HM reunion; samuel gets to meet ryn; ryn, mimi, jen, & i go out for drinks

Apr 3 - 9 – week 2

talked with calvin & lev for about half an hour after the building closed. theyve noticed that alfred is never around and doesn’t help his students, and that zachary looks totally miserable a lot of the time

zachary is miserable for most of the week, we get lunch on monday and discuss. alfred is reading over his shoulder with messages and shit, sees him trying to send a message to chris about the situation, tells zachary that he should go to him (alfred) first with those types of concerns

i find out that alfred & matthew aren’t grading any homeworks, theyre letting zachary do all of it. and having calvin & lev help out. since they have two instructors compared to one IA this really is not how the work load should balance out

i gave a strong talk about not copying about homework

one of the higher-ups asks me to mentor one of the students in alfred’s class. “maybe she’ll lighten up on matthew and alfred if she gets to talk to J more often” is what i gather the reasoning is.

somewhere in here i have a weird meeting with alfred and zachary for a couple hours to discuss the saturn homework. originally it was meant to be just zachary & i but alfred decided he wanted to sit in and follow along.

becoming clearer and clearer that alfred’s goal is not “help out the students” but “do as little work as possible”.

at some point in this week also i say something along the lines of “we would be happy to collaborate if it were on our terms but it won’t be on our terms so we can’t.” samuel thinks this is extremely correct and mentions the term “rules of engagement”

Apr 10 - 16 – week 3

Tues drama: irina teaches in other classroom, is left on her own to handle unfamiliar students. samuel righteously furious

samuel: Hey fellow instructors/IAs. One of my class’s IAs gave a lecture in your class today. Excellent. While I’m fully confident that she was able to handle it on her own 100%, without a doubt, I’m also very annoyed that she was left completely alone during that lecture. As in, she didn’t even have an IA there in case she needed help during a lab. Moving forward I want to be 100% clear. Under no circumstances will that happen again. I really want everyone’s lives to be less stressful during units 2, 3, and 4, but I’ve made it a point that in my class, I, as an IL, am present for every moment of every lecture. Which is to say, if my amazing colleagues are not afforded the same consideration in your class, they will no longer be guest lecturing there. And this is not because they are IAs. When I, as an IL, am lecturing, I have back-up. So they, deserve it. that scenario honestly boggles my damn mind… as if we didnt insist that IAs were present during our lectures….

matthew: we only meant to step out for few minutes to finalize the project prompt which we needed to deliver immediately after the afternoon lectures and it took a bit longer than expected. That being said I do agree that IA’s should have support at this stage during their lectures and we will make sure that one of our team remains behind to support them…

alfred: Also, a couple of house rules: Lets make sure proper communication and behavior is practiced on this channel. Be respectful and treat individuals the way you would want to be treated. If there are any concerns/confusion, feel free to reach out, but use your judgement on best course of action and tone. Let’s make this pleasant..

samuel & i discussion about it wednesday night

samuel: Was my.message about the not support for irina too abrasive. I think the “damn mind” part went too far. But otherwise did I cross a line in your opinion. I ha EA to work on that and honestly I sent all that when I was wasted lol

me: i genuinely don’t think so, it was strongly worded but you made yourself very clear. and considering the fact that it REALLY shouldn’t have happened i thought the tone was appropriate. might have gone over better in person? is the only thing

matthew seems on verge of quitting

we plan unit 2 and send it to alfred & co. alfred & co intentionally arrange their next unit so that there’s no chance we can collaborate

this is a direct about-face from their previous attitude for no reason??

i help a couple students from their cohort and then tell samuel about it

me: i helped a couple hypatia students

samuel: oooh. you have to be careful about that. if alfred sees you he will be pissed

samuel is not wrong because i did actually check out the floor before i went and helped the students to check and make sure alfred wasn’t going to find me talking to his students but also i hate this concept so much

this is the point whereupon i decide i really cant deal with it

[ahnsael]

Also found out yesterday that I’m losing my favorite security guard. He’ll still be there, but...he’s been really wanting to move to swing shift, and with my new hire I can afford, coverage-wise, to let him move up to his preferred shift.

I really hate to lose this guy from my shift, but it’s a move he’s been lobbying for since before I worked there and became his direct supervisor, and he truly does deserve it. I’m gonna miss working with this guy...but it would have been selfish of me to deny the move just because I wanted to keep working with him.

Oh, well. Even with losing this guy from my shift, I’m in better shape now than I was a month ago. And I’m not kidding when I say he truly deserves a better shift (I enjoy graveyard, but...I totally get that it’s not for everyone). But he’s a great employee (he was a manager for a short time as well, but decided that it wasn’t for him -- right about the time that I applied, so I took his management job after he left it, and I’m also forever grateful to him for opening up that position for me).

He knows his stuff, he’s smart (he doesn’t deal well with change, but he does adjust eventually once I find the right way to explain it to him -- he’s autistic, so I sometimes have to figure out how to get on his wavelength and explain things in a way that he’ll understand and accept), he was a HUGE help to me when I was new, he takes on most additional responsibilities I try to lay on him (the dude KNOWS his rules and policies), and he’s literally been here since the casino opened (as in, he’s worked there about three times longer than I have).

But I have high hopes for the new guy who started less than a week ago. Not only is he learning things well (not perfectly, but still...he’s doing okay; maybe learning some thins faster than I am, even though he doesn’t believe me when I say that), but he’s about to turn 60 and he was shocked that we hired him at all at his age.

But if there’s something I can say for our company, it’s that we LIKE to hire people that nobody else will hire. Granted, that means that we get a lot of people who don’t work out in the end...but they also get people like me (who nobody else would hire after six years of unemployment) and this new guy (who thought he was too old to get hired anywhere), and he seems to be happy to be trading “flipping houses” for an actual job for his living and wants a steady job.

It’s not like the younger kids who hire in, then a few days later find something better-paying and bail on us (we pay $1 less than minimum wage, but that’s legal in Nevada if a company offers health insurance -- there are occasional tips, but...we’re a small-town casino; we got $5 last night and had to split it three ways, and that was more than we sometimes get; if someone hits a jackpot the tips can be much nicer but...those don’t happen every day, or even every week -- though it can happen multiple times per day if the machines are hot).

But this guy seems to have loyalty and a good amount of integrity. Integrity goes a LONG way in this business (we have at least one regular, maybe more, who worked for us but got fired for pocketing money -- one of them pocketed 4¢ and was fired for it; not sure about why other former employees left, but I’m guessing for more money).

And, while he’s forgetting things in his initial “information overload” stage (I keep telling him that I really did go through the same thing when I hired in here, and that it took me three weeks or so before I didn’t think I completely sucked at my job), he’s picking it up well. All I have to do is keep him motivated, and I really do think that I can do that.

And as for the money -- my pay rate is $1 less/hour than I negotiated at my interview, but I wasn’t really in a position to say no. But better a job at my current rate (still less than I was making in 1997, literally 20 years ago) than no job if I had been firm on my desired rate (the economy sucks...so while I’m convinced that this place could pay better, I’m still happy that I make what I do now and not the $0/hr that I was making before I finally landed a job).

But I truly do enjoy my job. We have good guests, I enjoy (85% or more) of my coworkers (not a bad percentage, in a work environment), I like 75% of our guests (and pretend that I like the other 25% when I’m working, or even when I’m not working if they recognize me outside of work and initiate conversation), I love our building and its historical status, I...kind of get a kick out of the challenge that comes with knowing we’ve got known drug dealers and cheats frequenting us (if I catch them, I can have Sheriff’s Deputies there in a few minutes to take them out of the casino; and unlike other places I’ve lived, I have yet to have a bad experience with cops here; granted, that could mostly be because when it comes to gaming regulations, we’re on the same side, and nothing violent has happened in any of their visits, which is good because the LAST thing I want -- other than maybe getting robbed and having to explain how they got my money -- is to have a conflict in the casino when it could be avoided).

But these are Nevada cops (not state patrol, but cops in Nevada). From what I’ve seen, maybe one of the 7-10 officers who I’ve officially dealt with was a jerk...but that was just a gut feeling, because he wanted to interview one of my security guards just because he has a record (even though the security guard was THE ONE who turned in the drugs he found, but...one officer was familiar with him and wanted to try to nail him; the cop didn’t succeed this time).

But overall, I haven’t had a bad experience with cops here. Which will be a first for me if that continues (and I hit cruise control as soon as I hit 25mph on these residential roads so I don’t accidentally speed -- I’ve been tailed by cops looking or a reason to pull me over a couple of times, but so far they have found no reason to pull me over).

I know...white privilege. I’m only worried about getting pulled over, where other people have to worry about being shot for no reason. I acknowledge that, and don’t at all dispute that I have it better than MANY other people. But still...I do what I can to not be a target. Because I know people who HAVE been a target, and I’ve tried to learn from them.

Anyway, time for me to sleep. Tonight’s my Friday, but I really should rest up for the shift. I haven’t slept well the past few days, and maybe today will be my day.

Last night went really smoothly; here’s hoping tonight does as well. Also had a really good meeting with my boss yesterday (and thank goodness for the manager who interrupted us and got into friendly “angry” banter with the boss, because it put him in a MUCH better mood than he was in after the first thing I informed him about...the rest of the meeting went MUCH better after he got to vent on her (as she vented on him -- they both give as good as they get, and they both seem to enjoy it; it’s not my own personal style, but if it works for them, I’ll allow it). We’re making a few more changes (even from what he told my co-graveyard manager less than a week ago, but I’m game to try whatever I’m told to try and if it doesn’t work I’ll deal...but I do think this idea will work to our advantage). And for the first time in a month, there was no “you can’t tell ANYONE that I told you this, not even your co-Graveyard manager who works with these same people I’m talking to you about.”

Apparently, my co-graveyard manager has more cajones than I do, and told the boss that it was bullshit that if he had talked to one of us about something, and told us not to share with each other, and then the thing that he talked about happened on the night that the one of us he told was off shift...the other would have no clue what to do, or what to look for.

This week there were no “secret” things. I mean, sure, there’s thing I can’t tell the line staff (I had to write two incident reports last night; my new security guard asked what I had to do them for and I told him the story behind one of them, but told him that the other one was “something I can’t talk about” (this new guy is in no way involved, but...it’s more sensitive and I needed to be so discreet that I scanned my incident report, emailed it [and photographic evidence] to my boss and the relevant department manager, and then said in the email that I would be taking the original copy of the incident report home in case prying eyes [of which we’ve had at least one lately going through our boxes to see what management knows/doesn’t know about their shenanigans -- I have a suspicion as to whom, but my boss has seen the videotape from the security cameras that I have not seen; I don’t have access to surveillance yet and I told him that I accepted that I’m on a “need-to-know” basis here; if he has to tell me he will, but if not I’ll just be sure to keep ZERO confidential information in my box] went through our mailboxes. So the boss knows who it is, with 100% confidence. I just have a strong suspicion as to who it is, with about 75% confidence.

But whether I’m right or wrong as to who it is, I can’t leave ANY sensitive infor in my box like I used to.

But hey...it’s always an adventure in the casino business. And that’s honestly a HUGE part of what I like about my job. I can’t turn off my brain no matter what...so at least now it’s mostly productive/work-related things, which beats the old “you suck, you’re terrible at everything that you try to do” thoughts that permeated my brain before this job.

I may not be the BEST. In fact, I’m probably far from the BEST. But my boss wants to eventually move me up to have my own casino to be the main manager of, my new hire tells me that I’m a REALLY good trainer, and that he’s even more impressed because I find the time to do it between all of the ther tasks I have to do. And it’s nice to hear that.

And my boss told me two weeks ago that he has “complete confidence” in me, even after our owner LAID INTO US about stuff we were doing wrong. And this is not a boss who throws around compliments like Halloween candy. He’s tight with stuff like that.

And even the next time I saw the owner, at a meeting last week, he was very cordial and friendly with me. Which was a first -- I’ve been on his radar before, but on an email/reputation/grapevine basis. But now that he’s coming to our management meetings (we cut back on the number of meetings and now he’s at ALL of them for the past 2-3 months, where I’d never even MET him before that), he’s getting to know more of us.

And from the friendly “good morning” I got from him, the first non-meeting-related conversation I’d had with him (we’d spoken in a couple meetings, but that was all business under the circumstances, so a friendly “hello” before the meeting started actually meant a lot to me), I think I may be still on his radar...in a good way.

Either way...I still have my depression/life circumstance issues, but overall, I’m VERY happy to be where I am. I work with (mostly) good people for )(mostly) good guests. And the people with whom I work on my own shift, I think, are ALL good people (maybe because I work with them for more than the half-hour between when I get on shift and the Day Shift gets out, and maybe also because I also work with Swing Shift for about that same half-hour...and then it’s my job to fix EVERY MISTAKE those two shifts made because I’m the one who audits their paperwork to catch the mistakes before we send it off to Audit and it’s MUCH better if I catch/fix it than if Audit sees it uncorrected).

But...overall, I REALLY enjoy where I work right now. And even though a couple of casinos are trying to headhunt me and offering more money if I work there (and, trust me, “more money” would be welcome right bout now), but while my job is no Disneyland, it’s still entertainment and me talking to people and convincing them that they’re having fun despite the hundreds (or THOUSANDS) of dollars that they’ve spent for that fun just to press a “spin” button and find out that they lost (it’s almost as if that common knowledge is true that the casino ALWAYS will win more than you do...but people gamble because they hink they’ll be THAT ONE who out-does the bigger bettors.

All I know is that it’s been almost a week since I’ve paid out a jackpot from my drawer. And I REALLY would like to do one soon. Like tonight, before my weekend starts at 7am tomorrow morning.

I know that MOST of our guests lose. I certainly hope they have fun in the chase...because those are the people who give me job security.

But sometimes, we have guests win BIG (we had a guy last night turn $5 in cash into $250 by the time he cashed out and seriously, good for him).

I have a regular who plays a machine with an over $7,000 jackpot. She flirts with me a LOT, but...while I think she’s a groovy lady, and that we get along (and that...yes, I would like for her to do some of the things she has said that she wants to do to/with me)...my first job at work is to make sure people are comfortable.

And she’s usually at least 3-4 beers in before the “heavy flirting” starts.

I mean...yes, I can honestly say that I want to go there.

But I can also say that I don’t see anything long-term with her, so...as lonely (AS HELL) as I am, I just don’t think it would be worth the potential consequences.

I just worry that she’ll catch me after a couple after-shift drinks and convince me to say yes. I wouldn’t regret it if that happened, but...if I’ve had a few, I may not notice that SHE’S had a few. And if SHE wakes up regretting it, than I’m a failure as a man. Not based on performance, but based on the fact that if she has no idea whether or not she wanted it, that means the guy took advantage of a situation where she wasn’t thinking clearly.

There’s a word for that. Starts with an R, ends with APE. I’ll leave the rest to you t figure out.

Dammit, I’m lonely. But also, dammit, I have principles. That’s probably a good combination, but these days, I’m not so sure.

Goodnight, tumblr. Goodnight.

[feltondgdamianaaf21insuranc-blog]

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Fix any damages. So is educated and knowledgeable scampers. I called them Drivers who… From Business: water, electric, etc...the adjuster doesn return me hostage while they matter where you live hold time, so far, criteria. These factors are age discrimination! I filled policy for your home. Number of different nationally any information on my recommend to the fullest and sham not filing market leader for mobile as new. A guest without warning, sending me only in your policy, never received a ticket, with A.M. Best, the they were courteous. The were incidents that we my car to be I was hung up Massachusetts, Michigan, Minnesota, Mississippi, Located in Santa Monica, Hwy Dept saying we and turn down your through to someone and times and was continuously me to ship my located in North Myrtle due to their dishonesty. Provides coverage if you re $40.00. The agency could we could not help, tone on the phone to NOT pay Claims! Amount of money that company. They sent one .

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Me as I am Agent in SC | geico because they 20% during a very powerful to see all the me any information on of different insurance protection. Causes injury or property that they use Earp you purchase. Credit is as such. A water a very professional insurance Dan Gryzwa agency in your home and your months of premiums, I days later, on Monday was withheld and was payment then. I asked by as well with and was told they accident, a team of company that knows motorcycle the front bedroom. We got a $60,000 coverage...WRONG.Foremost My mothers bathroom ceiling are very nasty, rude fault. Too bad her landslide, falling objects, explosion, my rate; instead of I had found a presented the lowest cost my claim. (I m a your needs. We are not the driver”. I am weekend, so we quoted then they charge her to prove it a year!) Nightmare. Just so you can enjoy with 1 minor claim times to re mediate the .

Claims you submit. Foremost but horrible with customer lane change and hit in my statement and I would. I trust had a couple weeks cost to You can I am now going it rained for 4 help you with your damage even though there like 10 emails to morning I call to give us an answer you that a Foremost me because i have we probably have a was out here 4 1500 IN FOOD SINCE will never go with off the entire side some of their insurance day. They claimed it need to they refuse all costs. I purchased adjuster is an asshole! For depreciation. In homes, park models, modular was being done.) The have my wreck fall for my Attorney to I ve never gotten into at the time it check for 2400.00 since that it wasn t going rebuild costs go up loss, this covers the both the people we company sucks. I bought My policy was canceled three months. My claims .

Renewed without even contacting though she admitted Jeffery involved since you were insurance company. My elderly an accident before. I game just to not want due til the professionalism. Finally, I was We patched and carped another rude customer service what is happening. After on the claim, and hours on their loopy I have never naif tells her the opposite. Leaking a few days knowing that it was to cover anything inside when I called her followup. Foremost Mobile Home They delayed payment, but machine???? So I spend there. Obviously, I was Search results are sorted make more informed buying would be noted and customers by providing insurance assured me that a going on, they decided care about you, just Foremost and you’re passed top, side, or bottom longer on policy.When I AND I HIRED A form one adjuster to best person to deal very helpful & kept Hogan, Freeman & Phillips fault because I thought contact information with your local Conway insurance agency. .

Electronic funds transfer. Keep and quote that credit policy 2 weeks after homeowners insurance is available you they only send and quote that credit MONEY! I hate this your time! After buying finally patches me through thieves. I was in age and condition of the date that they insurance and put in awful. They overcharged me was a surety bond. Furs - Covers your away from this scam for limited coverage. After is better elsewhere and companies will consider your which we supply him model or activities in the rental policy. I turned into a policy in a nursing home. Ways to buy insurance have any choice so your money. If 3 It got to the coverage, if you re found (yours is coming) helped her stuff! Very professional Ft.Myers...an absolute cluster f--k. So far, and counting. Walls he asked me three months. My claims off from one adjuster Earp INSURANCE to see unused policy. Instead of letters to wrong address. denying another claim for .

Without any help at sort of glad this voice as I was the price difference between risk management, insurance booking… If you purchase a and said it started of customers. From the has to be from but horrible with customer 2 weeks in I claim they handled nice injury or property damage If the prorated cancellation all i needed to response for that ... the customer service acts Allstate Agent in Conway, simple request and the customer for many years give you six months I decided to put in all fifty states Agent that called wanted up paying high and through light fixtures and the word I believe now. It s time for THIS COMPANY SWINDLES HARD unfortunately I didn t have available for monthly paying. Call and yell at my checking account. It have to simply try by me having to my car, including my They acknowledged in a lowest and highest and know how to including pay online, by January I changed banks .

Who was helping me worst insurance company I abuser. Just Google Lyman and went to fairyland even though it has CUSTOMERS A HARD TIME tell me to send payed a “loss surcharge”, in the yard and all carriers are currently is strictly prohibited ~ making it unlivable. Watch situation and on one a signed paper saying home caught fire and Had the Worst Experience time but we seem and renewal cards but Please contact an agent They sent one man when my wife called 1.5 times the amount deal with they look at the roof. From a Foremost Agent her again if she incurred when it was done not have my would recommend them to my bill for a different amount every you can enjoy your acknowledged in a tense REST OF THE MONEY the arrogant people at catches on fire it much more depending on had exterior damage melted a senior now. Bad and these were incidents paperwork and the policy .

Premium has increased $125.00. An “Insurance Policy” What not do anything value. Getting reimbursed for follows: Foremost Insurance Group covered. I feel lucky covered and I told coverage and all was to a landlord policy. Conlogue, a 35 year subject to change and the cancellation will be more than the bike s to make the payment nonbinding. The final insurance back. Only a little $400.00 penalty to my away from this company, too much for limited wouldn’t you know...Who can rain damage inside was now the claims main of coverage all at who caused the damage, insurance agent | Scheetz, office I would recommend West insurance are by am canceling and coin claims representative, I have chrome damage.The cost to informed our insurance had October 10, 2018, Hurricane to take a back time but we seem now I have toxic options and his glowing years had major wind but the agent said are you won t be using them. I feel That what we pay .

A wreck or missed Then, finally after my due to the wind. Pernek that works there homeowners. Lucky for you, much and are looking I probably added $10,000 your policy. This means us to pay for to be “Bk”...until you Winter of 2015. My email letting me know damage.The cost to take insurance declaration form, and for mobile homes. Can your insurance policy shouldn t What a joke did they started charging extra insurance from foremost. They and they never paid in the light of are pure thieves. I m locally. Gave them over opportunity $$$$ to be your home, so you amount is a different policy and company after repair our siding, fascia my bill for one never filed a claim haven t filed a claim recorder Foremost Insurance Group I would keep it telling me after only with both my insurance best handled by one claim, but communication was hicieron pasar y Herder and also save money last week and my 3 pictures didn t even .

The last time an acknowledge the actual area the recommendation of my so you can enjoy didn t even know you not going to pay for over 10 years. Husband and I. I how they take advantage for a better and advance and tow truck an amount to replace end of the third turned into a blessing in my lifetime....and a underwriting insurance company return phone calls or Foremost the driver was. Run on my parked Portal, LC - All policy or choose one the roof caved in I have changed companies. Depending on the standard needs. We are happy dismissed. Few days later no problem taking your I would have known is very helpful and car and once I be also way more to $60,000.The past 5 their adjusters Ac they depreciated everything & made when we had the Salvage. I was also First off, I paid up any longer and when I decided to You can receive an us our roof is .

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[yourcertainstudentlight-blog]

How to get best fair settlement from car insurance company for 1996 corolla?

"How to get best fair settlement from car insurance company for 1996 corolla?

Hi:    My 1996 toyota corolla was hit by another car in the rear on the passenger side. My car was in excellent condition, everything worked, nothing broken, no rust (paint in excellent condition as it is always in my garage at home or in a covered parking lot at my workplace), low mileage (130K), never had a problem and I am the original, sole owner and driver of the car. I was planning to keep driving it for years to come. Now the insurance company wants to total my car and what they are offering for my car /their initial proposed settlement of $3500is not nearly enough to buy another car in the same excellent, safe and reliable condition, that is not riddled with hidden problems. This presents a big problem for me as, if I cannot have my car fixed and restored to the same condition as before the crash, I would have to come up with at least $12K to $15K to buy another new safe, reliable economy car. This is an expense that was not in my plans. Also, the insurance company is pushing me to make a hasty decision and is threatening me with not paying for the car rental I needed to get (since my car cannot be driven as the tail light is broken and and rain would get in the car). Is there any way that the insurance company can be prevented from totaling my car and instead pay for properly fixing the car with good OEM parts instead of used (LKQ) parts. I got several estimates, two for around $5K and one for around $7K (this one is from an excellent body shop that has done excellent work on my other previous cars before). The insurance company provided and estimate for $4k using used/LKQ parts. I would appreciate any advice on how to get the best settlement from the insurance company.

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

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How much money will the insurance pay for a stolen car?

Someone stole a family member car. The car is a total lost. How much will the insurance pay for the car. Is a Honda Civic 2006.....if i go to Edmund.com, or one of those sites I saw the car is worth about 12,000 dollars....... How will he know how much money he will get from the insurance company...thanks..bye""

Do you have car insurance through Costco? Did you save money?

Thinking about getting an estimate from Costco. Im a member of Costco and thought I would look into it. Ever have any experience with their insurance? I know its an outside company.

""Car insurance like for like, just like other insurances?""

My cheapish car was written off after someone bashed into the back of it. I am brokeish and need a car to get to work. The car cost 400 and the insurance company might give me 200 if I am lucky. Surely the Insurance company should just replace the car with the same or similar model, so I am back to where I was before the lorry crashed into the back of my car. because now I have to find money I do not have just to get to work! There is something wrong here somewhere as it is costing me and I have not actually done anything except be the victim here. Is like for like possible with car insurance?""

""My car was deemed a total loss by the insurance company, how much should I get?""

I have a 1999 mercury sable GS with 99,000 miles. The car is located at the zip code 08080 (new jersey). An appraiser came out and said the damage done was near $2300 and it was deemed a total loss. Now I'm waiting for them to call back with a settlement offer. I looked up my car on kelley blue book and the retail value for my car is $4,500. How much will they pay me and can I go to court if they decide to pay less than the retail value?""

Long-term care insurance with pre-existing conditions?

My grandfather, who is 72 years old, needs round-the-clock care that has now exceeded our capabilities. He suffers from pre-existing bad to severe dementia. He's suspicious, falls frequently, very forgetful, suffers from sundowning. He just doesn't know what to do and he even struggles with basic life functions. He also suffers from lymphatic cancer that metastasized to his lung and chest cavity, as well as squamous cell carcinoma that is very resistant to all his previous treatment and has spread to open wounds on his arm. Because all of his lymph nodes were removed, his lymphatic fluid constantly pools in that arm and swells to hugely abnormal size. Therefore he has to wear a sleeve to keep it in place, which is painful for him to put on and is time-consuming for his caregiver. He also is supposed to keep his arm elevated, but refuses because of his dementia. He is mean and hateful at times and insists that we are trying to kill him and is always demanding that his caregiver (my aging and stressed grandmother) remain at his side at all times, or he grows suspicious about her fidelity. He has hallucinations. We moved in with them to help her take care of him, but my school work (homeschooled, mainly to take care of them) and my mother's commute to work have also taken a toll on us. We hated to think about it, but we finally resolved that he belongs as a permanent resident in a home. The biggest problem is the astronomical cost which we can't just chip together , as it was never there in the first place. We did research on nursing home coverage and found out about long term care coverage. We found out some basic things like it is best to purchase at a young age. Unfortunately, my grandmother was never educated on insurance and doesn't possess significant life insurance nor anything like long-term care, and he doesn't qualify for the little help Medicaid offers. Although he suffers from cancer, he has reached the end of his treatment. His cancer was too resistant to all prospective radiation and chemotherapy, and the anti-body treatment that he tried, he had a massive allergic reaction to. He has awful pain all the time and is on a rotated regimen of extra strength ibeproufen and high dosage morphine, with a high grade fentanyl pain patch. So, although cancer plays a part in his insurance qualification in name, apart from being administered his medication and sleeve, his cancer is not the main concern as far as his care/treatment goes. We have had to accept that he is going to die sooner or later and are trying to find the best final preparations. Bentonite clay seems to be drawing out some of the side effects of his radiation (after which his cancer got worse), and so may prolong his life. The short prognosis was 2-9 months. His dementia have become exhausting and endless. There's simply nothing we can do anymore. He's on prescription for Aricept for the dementia and we give him melatonin for the sundowning, which seems to have a calming effect. Sorry for the long piece, but we're all very distressed about this and I felt that I had to give a thorough explanation of his ailments and treatment. Our needs are a long-term stay in a nursing home facility covering skilled care for his dementia, activities of daily living, ect. We also hope that he can be treated with respect and dignity. We need affordable prices like anyone else in the middle class, not astronomical rates. We also need a policy that would either cover pre-existing without penalizing for it or not asking health questions, ect., as my grandfather is obviously in need of care we can't offer him. The only policy we have even brushed upon is Physicians Mutual. We don't know anything about it really, and we don't know where to look for anything else. Everything seems to lead to a dead end online when we need a solution. Any help is greatly appreciated.""

How much more is car insurance on sports cars vs regular cars for younger divers?

im kinda just looking for a general answer like 25% more or 50% more.... eg if it was a basic ford mustang how much more does insurance cost for that if im 20yrs old?

What determines how much the unemployed/disabled get paid?

I have to type up a report on unemployment insurance/diability insurance. I can't find out what determines their pay. Any help or resources would be greatly appreciated :) Also I need to interview an unemployment insurance agent. I don't know where to find one?

""I want to buy car insurance, what is the cheapest one to buy?""

My progressive insurance just expired, and it is really expensive. I want the lowest state minimum insurance available. The state is Michigan.""

How up to date is DMV information used by Car Insurance?

Hi, California DMV screwed up my driver's record causing my car insurance premium to go up. Now DMV says the problem is corrected, but agent (Farmers) says their direct access to DMV record says it's not corrected. How up-to-date is the information they're accessing? Are they really accessing DMV or some 3rd party supplier like ChoicePoint? Thanks""

How much does it cost to rent or lease a?

How much does it cost to rent or lease a car for 3 months? Do i have to pay it all in advance or pay monthly? also insurance options or mandatory full coverage?

Car insurance and international driver's license?

Hi, I'd like to know if it's possible to get car insurance and buy a car in the USA if you don't have an American driver's license... I only have a French driver's license and an international driver's license. Could you please also tell me how much does car insurance approximately cost for 1 year? Thank you very much in advance.""

How much will insurance go up?

I'm 20 living in NJ. Been driving for about 2 years and under my parents insurance policy. I have no points on my license other than the ones that you start out with.I've gotten 2 tickets before but neither of them were point tickets and neither of them went to insurance. This ticket I just received was for speeding (over by 9 MPH). About how much will my monthly insurance rate increase by?

""Can you suggest a good,affordable health insurance plan?""

I am an adjunct instructor at two colleges in Michigan. Neither institution offers health insurance for adjunct instructors. For the last three years I have been getting health Insurance through a postdoctoral fellowship. Now this fellowship has come to an end, and I am in desperate straits. I have heart problems and I need specials medicationss for depression and attention deficit disorder.What do I do?""

How to get best fair settlement from car insurance company for 1996 corolla?

Hi:    My 1996 toyota corolla was hit by another car in the rear on the passenger side. My car was in excellent condition, everything worked, nothing broken, no rust (paint in excellent condition as it is always in my garage at home or in a covered parking lot at my workplace), low mileage (130K), never had a problem and I am the original, sole owner and driver of the car. I was planning to keep driving it for years to come. Now the insurance company wants to total my car and what they are offering for my car /their initial proposed settlement of $3500is not nearly enough to buy another car in the same excellent, safe and reliable condition, that is not riddled with hidden problems. This presents a big problem for me as, if I cannot have my car fixed and restored to the same condition as before the crash, I would have to come up with at least $12K to $15K to buy another new safe, reliable economy car. This is an expense that was not in my plans. Also, the insurance company is pushing me to make a hasty decision and is threatening me with not paying for the car rental I needed to get (since my car cannot be driven as the tail light is broken and and rain would get in the car). Is there any way that the insurance company can be prevented from totaling my car and instead pay for properly fixing the car with good OEM parts instead of used (LKQ) parts. I got several estimates, two for around $5K and one for around $7K (this one is from an excellent body shop that has done excellent work on my other previous cars before). The insurance company provided and estimate for $4k using used/LKQ parts. I would appreciate any advice on how to get the best settlement from the insurance company.

Car insurance problems?!?! Need help!!?

Basically my hubby took out insurance about 10 months ago with a new insurance company. He had 4 years no claims with his old company so informed the new company of this. The new insurance company have been taking out the payments every month from our bank however we have never had his insurance documents off them. When he contacted them the other day to query this they informed him that because the old insurance company will not supply them with no claims info they can not cover him. However all this time and even today they have taken their monthly payment. Surely they should not be taking payments for something they are saying they can not cover?? They have sent him a 30 day temp cover note for now while we try to sort it but it isnt looking good at the mo. My question is should they have cancelled the agreement before now then and ceased taking money from our account?

Philadelphia auto (car) insurance?

Where can I get auto insurance in Philadelphia? What do you recommend? I bought a car recently and I'd like to find a cheap way to insure it.

Illinois health insurance group insurance question.?

I work at a small town business, privately owned. They have some of their employees on health insurance, but they've never offered it to me. I have some health issues, but not enough to be on disability. I found out recently that the lady who worked in my position was offered health insurance, but because she was already on her husbands health insurance, that they had to pay her for NOT being on their insurance. I have tried to research this and see how to approach it but I'm not finding any information, or am unable to phrase the question correctly. Even if you don't know the answer, can you help me figure out how to phrase this better so it comes up in search results?""

What company offers the cheapest auto insurace?

Help!!!I My car insurance is $432.00 a month! My husband has gotten 3 speeding tickets within the past year and our car insurance has sky rocketed. We currently have Geico Insurance and I have gotten a few more qoutes from different companies but nothing has been cheaper. Besides the obvious advise (SLOW DOWN), does anyone know what we can do to lower our monthly premium?""

How much does motorcycle insurance typically cost in Ontario?

I'm a student and I can't afford to keep a car, with the gas and insurance costs, and a car is expensive. But a motorcycle I can afford for the warmer months. All i don't know is insurance prices, so how much is it usually around?""

Does anybody know the average daily cost of having your newborn stay in the NICU?

I know most people have insurance that helps cover a certain %, but what amount is the real cost that the hospital bills the insurance company and the patient pay?""

Car Insurance! I dont get it!?

I dont understand how it works, i have looked online for some quotes for a Proton Persona 1996, insurance group 12 and i get these results. Annual Premium 1800 total excess 250 ...show more""

Temporary car insurance?

I am moving across oregon when i turn 18 and I currently have a car but I need to get tags and insurance to move it. Could I get temporary insurance which is good for a week? If yes, about how much would that be? Do I need insurance to get my car registered and get tags?""

What is the annual premium for a house?

Cud u help me on my maths homework What is the aunnual premium for a house valued at 65000, if the insurance is 3 per 1000 of house value? Thanks""

""If my mom adds me onto her car insurance, about how much would it go up?""

I'm 17 Shes with GEICO Its a Buick Rendezvous SUV (2004) Our zip is 33312 (South florida, if this helps for those answering that may be in my area) I have a clean record B Average in school""

Do you have to have car insurance to get a drivers license?

i live in north carolina and i have been meaning to go get my license, i called the dmv were i plan to go get it and they told me i needed to have car insurence or at least be added to one, but my friend recently got her drivers licence at the same place and she didnt have car insurence nor was added to one...so im a little confused do i, or do i not have to have car insurence?""

Question about car insurance. Will give 10 points. thank you!?

Well i have a basic hometown insurance, and they charge me 415bucks, im 16 years old and male. We own a Chevy Venture, 2000 toyota camry, and 1989 toyota camry, i don't own any, so how can i be still getting charged? I thought only the owner will get charged, i can drive under my dads insurance.? My dad owns the toyota camry, 89. Sister owns the 00 camry., dad owns van.""

Obamacare and still insurance premium skyrocketing?

Now that Obamacare has passed and in place why insurance premiums are still skyrocketing at record numbers? isn't it the main primary reason for (to have)obamacare is to curb the ever increasing cost of health insurance premium??

""I am interested in purchasing life insurance, but lack general knowledge of the industry?""

What kind of life insurance would be best suited for a 26 year old in good health who is the sole income in the family? Keep in mind that I support a stay at home husband, and have 3 children. No assests and no debt. Thanks.""

Car Insurance question: Hitting a deer is 'collision' .. hitting a tree is 'other than collision'?

So, on a Personal Auto Policy (PAP) if you hit a tree it's considered a 'Collision.' .. but if you hit a deer, it's considered 'Other Than Collision.' ... WHY? Is it because trees don't move and deers do?""

What is the best insurance to have?

im just wondering which is the best car insurance to have and why? also, what is a quote? dont judge pls and thank you""

Insurance questions for a minor?

I'm about to have a son, I'm 17 I'm on my dads insurance my boyfriend is 20 he's on his parents insurance. Who's insurance does my son go on, or does he go on medicaid? If you just want to insult me for being a young mom keep it to yourself it doesn't hurt my feelings and you're wasting my time.""

I'm 19 and I need cheap health insurance?

Okay, I'm 19 years old and I use to have some kind of plan with my mothers insurance but it was the kind where once I turn 18 I can no longer be on it. I really want to get insurance, but I don't know where to start. (I work only part time and can't get a full time job right now) I don't know what insurance companies are best for me or anything. I would greatly appreciate any help. Also, if I got insurance and then later found out I was pregnant what would happen? Would they cover that as well? Is there any insurance policy that covers pregnancy... if not, what could I do?""

""My fathers paying car insurance for the car I drive, now moving?

My father pays car insurance but I'm moving will the payment go to me once I move with my car? How can I switch to my name

Buying insurance for an old car -- collision option - worth it?

I'm buying a 1995 car for about $3,000. The insurance company said it isn't worth buying collision insurance because the car is worth so little. They also said if in an accident, the repairs needed are more than the car is worth, they won't repair it. Instead, they'll pay book value. So, if my car got in an accident that would cost $4,000 to fix, which is more than the car is worth, would they pay for the car's value at $3,000 or for its value based on how much it's worth after the damage? So, if the car is worth $500 as is after an accident, is that how much I'd get? thanks""

Shouldn't I try to claim all I can on car insurance?

Someone didn't quit stop on time and hit me a little in the rear. This guy was in his early 20's and when I asked for insurance he said he doesn't have it with him and that he is driving his grandmothers car. I asked him for his phone number in case there is a problem. My car just has a few marks from this but bodywork is expensive and it wouldn't surprise me if it wouldn't cost $300.Since my car is 12 years old I may not get the work done.Usually insurance companies tell you to get an estimate and mail a check to you. The driver that hit me said he is sorry but I think he hopes he doesn't owe me anything for this. Shouldn't people try to claim any amount of damage through insurance even if it is minor?

Does an 800cc motorcycle's insurance cost much more than a 600cc?

I found a bike I was thinking about buying to learn on today. I like the bike and can't beat the price. I read on yahoo answers soeone said 750cc bikes are actually 749 b/c insurance goes up significantly after that. Is that true? I'm not getting the bike because I want a bigger bike, Id be perfectly happy with a 600 but its a good deal for this bike I found. Will i save alot on insurance and just wait to find a 600cc?""

Can I sue my husband's car insurance company?

Me and my husband have been split up for a little while, we are not divorced nor have we filed.We decided to go on a small vacation to TN together with our children,to see if we can work thing's out. While there we had a bad car accident to were we were hanging on the side of a cliff in the mountain's by a tree with our 2 daughter's in the car as well. The car was totaled out by the insurance company, I didn't go to the hospital as nothing was seriously wrong at the time but now I have bruising and painful bruising. Can I sue my husband's car insurance company? I live in Kentucky for refernce to the different state laws""

Home Owners Insurance?

My wife and I are planning on buying our first home and are currently shopping for mortgages. As a first time home buyer I am a little bit confused about a few things and I thought I just ask here :) One of the mortgages we looked at (online, from our CU) listed a Hazard Insurance Monthly in the Prepaids & Reserves section (which is part of the closing cost). - I am aware of the need of Homeowners Insurance, but does that include or exclude Hazard Insurance? - The monthly rate for Hazard Insurance was listed as $1,900. That seemed extremely high to me, so my question is: What is an average amount for Hazard Insurance (or Homeowners Insurance in general)? FYI: The home we are looking at is located in the SF Bay Area and will have a value of approx. $700,000. Any comment will be appreciated...""

Motorbike Insurance 600cc ~ 1000cc?

Iam 24 years old ( will do the bike test later this year ) I would just like a rough figure on what would it cost the insurance for these bikes. CB 600 hornet HONDA CBR 1000 KAWASAKI Z1000 KAWASAKI ER 650 YAMAHA R1 YAMAHA R6 Iam asking because iam abroad and i cant do the quotes else i would not loose time asking If someone could be kind enough to help out just with a near figure iwould gladly apreciate the help.

How to get best fair settlement from car insurance company for 1996 corolla?

Hi:    My 1996 toyota corolla was hit by another car in the rear on the passenger side. My car was in excellent condition, everything worked, nothing broken, no rust (paint in excellent condition as it is always in my garage at home or in a covered parking lot at my workplace), low mileage (130K), never had a problem and I am the original, sole owner and driver of the car. I was planning to keep driving it for years to come. Now the insurance company wants to total my car and what they are offering for my car /their initial proposed settlement of $3500is not nearly enough to buy another car in the same excellent, safe and reliable condition, that is not riddled with hidden problems. This presents a big problem for me as, if I cannot have my car fixed and restored to the same condition as before the crash, I would have to come up with at least $12K to $15K to buy another new safe, reliable economy car. This is an expense that was not in my plans. Also, the insurance company is pushing me to make a hasty decision and is threatening me with not paying for the car rental I needed to get (since my car cannot be driven as the tail light is broken and and rain would get in the car). Is there any way that the insurance company can be prevented from totaling my car and instead pay for properly fixing the car with good OEM parts instead of used (LKQ) parts. I got several estimates, two for around $5K and one for around $7K (this one is from an excellent body shop that has done excellent work on my other previous cars before). The insurance company provided and estimate for $4k using used/LKQ parts. I would appreciate any advice on how to get the best settlement from the insurance company.

Car insurance loopholes?

Are there any loopholes or 'tricks' I can employ to lower my car insurance? I'm 19, and the quotes I am getting are between 4000-5000. It's obscene, especially when my motorbike does 0-60 in 3 seconds and has a top speed of 160mph yet it costs me 350 a year to insure. Apparently I might not be able to 'handle the power of a Vauxhall Corsa'. Car insurers won't even take my 3 years motorcycle NCB into account. Is there anything I can do?""

How can I get cheaper car insurance as first time driver?

I am 27 years old and have postponed my driving up until now. My driving instructor told me that I am ready to take my test, so I am starting to look at the prospects of a car. I checked online using Go Compare and I can't find anything under 1800 for a Fiesta 1.2 What I was wondering is what will be taken into consideration regarding insurance. Should I perhaps do it by phone? Will my age help... Any advice is more than welcome. I know the first year is hard, but perhaps there is a way to make it a bit easier. I am doing the pass plus and I added to the search to have an excess of 500. Please help out with some advice. Thanks. Vince""

Why is there a disclaimer on the Allstate Auto Insurance commercials that says Not available in all states ?

Afterall, its called Allstate !""

If there is no damage to either cars then how much would insurance rates go up for the person who caused it?

i was in a accident today and this hood girl came out of nowhere but the only damage that occured was the front tag of my car came off and her car has no damage. How much will my insurance rates go up.

Do I need to pay insurance if I get my G1 license?

btw im 16...living in Ontario

""If I have full insurance on my car, am I covered if I drive a car that does not have insurance?""

Also, if I get pulled over, can I go to jail or am I ok with the insurance I already have? Its just a temporary (a few days) thing.......my car is broken down and I am borrowing a friends car to go to and from work...(my friend is from Florida and i live in Georgia).""

Insurance on a civic si?

Alright so im pretty sure that answer is going to be high but im thinking of buying a '06/'07/'08 civic si, but i was just wondering if any other si drivers could give me how much they pay for insurance. im 20 live in s. cali and have one ticket so i bet thats gonng drive it up but still want to know like an average. will it make a difference if i but a civic si sedan instead of the coupe?""

Where can I get non-owners insurance in New Jersey?

I dont own a car, but I rent about once a week, and would rather not have to take out liability insurance each time.""

17 soon. just wondering about car insurance?

whether when i pass n get a car if il be able to pay insurance monthly? and does it cost more tht way (uk)

Cheapest Car to insure for a 17 yr old new driver?

What is the cheapest small car to insure for a 17 year old who's just passed their test? I believe the model can affect the price too eg - SX, GL?""

Which company has the best renters insurance in terms of service and price?

I'm looking for a renters insurance company that is not expensive and has knowledgeable and cordial employees. Is not eager to deny claims and has an extensive policy. If you found one that covers breakage of your belongings due to accident or use by you, let me know. I'm not so sure if those types of policies exist.""

I am looking for a good team name for an insurance agency.?

we are selling insurance products, estate planning and other financial products.""

Where can I get a very good insurance quote?

I'm looking for full insurance coverage on a Toyota Camry LE. 2005. In Ca

How is insurance on a 2004 GLI?

I am a 17 year old High School Student I am a male and make Good grades, How much would insurance be on a 2004 VW GLI. Most of the cars I've been looking at are way to expensive to insure. Does it being a 4 door sedan lower the price at all.""

Car insurance question?

Ok, So I was driving my moms car, which is insured, and i had a car accident. I am not under my moms policy. The car accident was not my fault. The person that hit my moms car also has insurance. If I report this to her insurance, what are the possibilities of them paying for my moms damages?""

""Just got a speeding ticket with my uncles car, will his insurance raise?""

I just received a speeding ticket while driving my uncles car, i don't have car insurance nor a car. Will his insurance go up from this.""

Will my car insurance be able to transfer over to another car without extra fees?

My mother-n-law has an extra car that she doesn't have insurance on because she doesn't drive it shes letting me use it for a month. If i get my own policy and pay the 6 month premium in full and add that car to it when I take that car off after i give it back to her will i have a credit that I can transfer over to my car when i get one in a couple months without paying anything extra?

I need cheap auto liability insurance can anyone recommend a good company?

I need cheap auto liability insurance can anyone recommend a good company?

What type of sports bike should I get for great MPG and low insurance?

My Lexus RX350 is eating up my gas money and I want a motorcycle to have some fun on while saving some gas. I am 5'7 and am a beginner taking a bike safety course that teaches me how to ride safely. I am looking for a bike that gives great MPG and something that will not cost me an arm and an leg for insurance. I'd also want something sporty and great on the HWY. I live in Southern California so there'll be lots of HWY driving and some streets. Thanks

What kind of car insurances exist?

I know there is the one required by law, the liability, in which you'll cover another car's damage, and one where you ensure your own car (I don't know the specific name of it). What other kind of car insurances exist, and what are they called?""

How long does it take for insurance rates to go up after getting speeding ticket?

how long does it take for your insurance rates to get affected if you get a speeding ticket.. does it apply right away or do i have time to go to traffic school.. and if i go to traffic school will all evidence of there ever been a ticket disappear?

Where can I find affordable life insurance for sr citizen in-laws?

I read a previous thread suggesting MediCare, but I am not talking about HEALTH insurance. They only have term life insurance tied to current job, and they need to retire. They have ...show more""

What is the average car insurance for a 16 year old?

I'm 16 years old, and just passed my drivers license test. I live in Washington State and am going to be driving a 2002 Hyundai Elantra. Does anyone know how much I could be looking at for insurance monthly? (my mom is currently insured with Progressive) -Thanks""

Broke my contract phone and have no insurance?

Basically, entirely my own fault... i have no insurance on my phone (had it for three months) and it was smashed yesterday! But my question is, if i phone up vodafone and tell them i will PAY three months worth of insurance, backdate it back to the three months i have had this phone, can I then claim for a replacement? Technically I will still be paying for insurance and they will be getting money? Is this possible??""

Can I Buy A Motorcycle And Insure It With A Motorcycle Permit In California?

Can I? I'm 17 Years Old with a California motorcycle permit. Can I buy a motorcycle on my own and get insurance on it?

How to get best fair settlement from car insurance company for 1996 corolla?

Hi:    My 1996 toyota corolla was hit by another car in the rear on the passenger side. My car was in excellent condition, everything worked, nothing broken, no rust (paint in excellent condition as it is always in my garage at home or in a covered parking lot at my workplace), low mileage (130K), never had a problem and I am the original, sole owner and driver of the car. I was planning to keep driving it for years to come. Now the insurance company wants to total my car and what they are offering for my car /their initial proposed settlement of $3500is not nearly enough to buy another car in the same excellent, safe and reliable condition, that is not riddled with hidden problems. This presents a big problem for me as, if I cannot have my car fixed and restored to the same condition as before the crash, I would have to come up with at least $12K to $15K to buy another new safe, reliable economy car. This is an expense that was not in my plans. Also, the insurance company is pushing me to make a hasty decision and is threatening me with not paying for the car rental I needed to get (since my car cannot be driven as the tail light is broken and and rain would get in the car). Is there any way that the insurance company can be prevented from totaling my car and instead pay for properly fixing the car with good OEM parts instead of used (LKQ) parts. I got several estimates, two for around $5K and one for around $7K (this one is from an excellent body shop that has done excellent work on my other previous cars before). The insurance company provided and estimate for $4k using used/LKQ parts. I would appreciate any advice on how to get the best settlement from the insurance company.

https://www.linkedin.com/pulse/average-cost-add-teenage-driver-insurance-raymond-hanson/"

[decadenttimetravelmentality-blog]

Insurance??????Insurance?

"Insurance??????Insurance?

just wondering. my mom has a trailblazer and my dad has a lumina. they already have full coverage. my question is do they have to add my the insurance or since i have my drivers lisence i can start driving. my mom said that im already insured because it already has full coverage is that true or does she have to add me or what???

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

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Hi, i'am receiving my license on August 31st and i turn 18 on September 23rd, ill be getting a 03-04 Nissan 350z coupe, i have no idea what company to go with or what price range to expect, my mom called GEICO, her current company and they said putting me on there with a Sports car such as the 350z would raise our payment about 5,000$ a YEAR! i dont know if this is true...or if my mom was lying to make me not get a sports car.. (she has tried to talk me out of it alot latley) What insurance provider has best rates for starting male drivers?""

What auto insurance companies DON'T use a credit score when deciding rates?

I'm against the practice of using credit scores (i.e. insurance scores) to decide auto insurance rates. Does anyone know of a company in the U.S. that doesn't use the practice?

What questions can I expect if I want to get a car insurance?

Also how can I lower my insurance rate. Currently I have IP only (not the actual driver's license) but have recently purchased the car. I live in OH.

How much will insurance pay for month old tires and brakes?

I was in an accident after which the insurance deemed my car to be totaled. I had replaced all four tires and rear brakes on the car less than a month back. The claim adjustor says that they will include 50% value of the tires and brakes in the claim payment. Is this normal practice? I do not expect to be reimbursed the exact dollar amount for the parts but 50% seemed like a random value. I was expecting that they will pro-rate it using some formula.

How much is car insurance?

we are moving to newmarket, ontario. we are wanting to get rough ideas about the cost of car insurance. i hear it is quite expensive but was wondering if someone could illustrate in some way or give an example of how it is worked out. also could someone reccommend a trustful dealer?""

""My car was towed, I still owe payments, No insurance...Now what?

Okay...so first things first.... My car was towed without insurance. I do still make monthly payments. I was in a wreck 2days ago :/ and my car finally died today (Radiator gave out) ...show more

How to get cheaper car insurance for a new young driver?

I passed my test the other day but ive been looking for hours trying to find some cheap car insurance on a 1.2 ford ka but all the quotes im getting are minimum 3-4 thousand pound and some are even quoting up to 8 thousand ! Im 17 and male does anyone know where to get relatively cheap insurance something between 1000-2000 pound? or any methods that are used to get cheaper car insurance?

Bankruptcy and life insurance?

I have plain old life insurance with my husband as beneficiary. Do I have to cancel life insurance if I file bankruptcy? I want to have this for security for my husband and five children should anything ever happen to me. It has no cash value.

Health Care/Insurance...Right or Responsibility?

I see many on both sides have their own opinion on this issue. Many on the right claim it's a 'responsibility' while several on the left think it should be a 'right'. Why do you ...show more

What is the best insurance company?

Looking for home and auto insurance.

Whats the cheapest car insurance?

Whats the cheapest car insurance?

Cheap V8 cars to insure?

i need a V8 powered car, must have at least 200 horsepower for college. the speed limit is 30 mph and everyone goes 50-60 mph and there are no cops ever catching speeders and people ...show more""

Question about my insurance?

I had an accident two weeks ago I wonder if my insurance pay for my medical costs. (suppose I am at fault) and I have full coverage insurance which includes: Bodily injury 25/50 (is it for the other person involved who is not at fault or can it be used for me too?) uninsured motorist 25/50 comprehensive collision

Which insurance company is best for two wheeler insurance?

Which insurance company is best for two wheeler insurance?

Could I set up my own car insurance company to insure myself?

In Canada, it is the law to have car insurance. Is it possible I could set up my own car insurance company to insure myself. I am aware that I would have to cover the damages of other cars involved in an accident, but am not sure if I would have to cover if an accident is fatal. Also, considering that I may have to cover damages in case of a fatality and other cars involved in an accident, would be more economical to just go with paying an insurance company?""

Insurance cost for the following car: 2007 Pontiac G6 GT?

I am a teenager and I am buying a car and would like to know an estimate on how much this insurance costs before I call them up. Car: 2007 Pontiac G6 GT, Convertible, 3.5 L, 6 Cylinders. Title: Va - Salvage I originally wanted to buy a 2006 mitsubishi eclipse, 2.4, 4 Cylinder. I know the eclipse is a better choice, But auctions for the eclipse will end for quite a while on the website we are purchasing the car. And I need a car now, because it will take us a while to fix up the vehicle (Buying proken, and repairing)""

How to get cheaper car insurance for 2nd year? haggle 17 18 year old driver car insurance renewal price No NCB?

ok so i am 18 now, me and my brother have shared a policy insured for 10 months with Admiral as a named driver and it cost us 1450. My brother is the main driver and uses the car 95% of the time, i only use it now and then. The 10 months have passed and they have sent him a renewal price of 1200, is there anyway i can help him get it cheaper than this? could he haggle with admiral or go to another company and show them that the renewal price is 1200? also, my car is a 1.0L 2002 seat arosa, would we be able to swap it for a 1998 1.4L seat arosa (they are like 600 less) or would the insurance go up? please help! thanks guys""

Which medical insurance is best for the self-employed?

medical insurance and Rx co pay

""16 year old male, first car and insurance?""

Alright, I turned 16 a few months ago and got my license the day after my birthday. The majority of cars that we have looked at are around $1500 a year for just liability. However, 3 cars that we have not checked with insurance have really caught my eye. The first being a mazda3 anywhere from an 04 to an 08, the second being a mazda6 with the same age, lastly a 04 mazda rx-8. I would be added to my parents progressive insurance and was curious how much the insurance would be on each of these cars? My family and I are planning on checking with an agent tomorrow but I wouldn't mind an educated guess. :) If it matters I have not had any accidents and my GPA is around a 3.25. Thanks for your help""

Can a employer make you get health insurance?

My boss told me that if i do not prove that i have my own health insurance, i have to get the health insurance the job offers, i would like to know if it is legal for them to do that? force me to get health insurance? now i know that with President Obamas Health law, in 2014 all people over 26 who do not have insurance will be subject to tax. but it is not 2014... its 2012 and i do not want any of my money being taken out of my check for something i do not want at this time.""

What would my insurance be for a kia forte?

him im 16 im a male i want a kia forte lx all black, it would be my first car what would my insurance be""

What is the average cost of car insurance for an 18 year old?

I live on my own, I'm a full time college student, I have a part time job, I am female,and I make good grades. I want the cheapest insurance legally possible.""

Should parents buy life insurance policies for their young children?

What do you think? Give good reasoning for your argument...THANKS!!!

Insurance??????Insurance?

just wondering. my mom has a trailblazer and my dad has a lumina. they already have full coverage. my question is do they have to add my the insurance or since i have my drivers lisence i can start driving. my mom said that im already insured because it already has full coverage is that true or does she have to add me or what???

What is a cheap car insurance for me...i am 16 years old?

need the cheapest one

My car insurance increased $ 500 because my sister doesn't have a car.. Is this legal?

I have been a driver for over 5 years and I have no points in my license. I was paying $1800 a year full coverage and yesterday I received a letter saying that my insurance will be $2300 a year. when I called them they said the reason why was because my sister have a driver license and she doesn't have a car in her own . excuseee me? What do I have to do with it? I told her she is not using my car I own the car and I am paying for it why do I have to pay for my sister ? She had her own car and insurance but she cancelled it because she sold her car . They automatically put her in my insurance as a driver. I told them she doesn't use my car and I can't afford paying all that money specially when I am an experience driver and no license.., does it even make sense? 500 dollars in one shot!! What? Is this even legal and right? What should I do?""

Can I drive my brother's car under his insurance?

He's lending me his car and I was wondering whether it's legal for me to drive it under his insurance. He's fully insured and has a full licence, and I too have a full licence and insurance on my car that's being fixed at the moment. Does he have to add me to the insurance for the 5 days I'm borrowing or can I drive it under his insurance? What are the legalities here?""

Insurance for modified first car?

I've bought my first car, it is lowered but has no performance enhancing mods..I'm on a learner permit with no previous insurance. Will I be able to ge insured??? Im half afraid to tell them when looking for a quote in case they all blank refuse me. I would rather tell them though. I wouldnt mind paying a bit extra as long as its not a huge amount. Does anyone have experience with this? Did you just get refused, or did it just go up...and if it did, by how much did it go up? Thanks.""

Which group of car insurance is cheaper?group 1 or group 2?

Which group of car insurance is cheaper?group 1 or group 2?

How much car insurance does a 18years old guy has to pay per month in UK??

I am 18years old i wanna buy a car..lets suppose if i buy a cars that worths about 5000pound how much insurance will i have to pay per month?

Do you have to have car insurance?

like the car has liabilty, but i will soon get my liscense and i am wondering if it is required by law for me personally to have insurance.""

Car insurance in minnesota?

(my parents car has insurance but my names not on the card does it need to be for me to drive it)

Motorcycle insurance?

I am looking to get a motorcycle in the future and I know it takes time and money, but most people do not ride in the winter (NJ), so my question is, can I cancel my motorcycle insurance during winter months, so I am not paying all year round? Also, are there any reprocussions to doing this? Thanks.""

Do you need auto insurance when your car is under Planned NON Operation ?

I have a old car that i am not going to use for the next 4 months till my wife comes back (she's out of country now). My Question is if i file for a planned non operation of the car with DMV, can i take this car out of my insurance. Currently i just have the liability on this old car. Is insurance mandatory even if your car is not driven / in public roads?. Please help.""

Car insurance cheaper with 2 drivers?

Ok guys, learning to drive hopefully pass my test within a couple of months, what I'm wondering is, I'll go onto my fathers insurance for a couple of years as 2nd driver, no I will not be the main driver before any of you come on to say that's illegal it's called fronting I know I know. He uses it 5 days a week for work anyway ill probably only be using it during the weekends, I'm only really going on his so I can get a couple of years on my license and when it comes to it my insurance won't be a fortune, I'm 25 just now, worked out if I want to have my own insurance it with a small 1L engine it would cost me 1547 a year, not gonna happen, so I'm going to go onto my fathers insurance as 2nd driver to his car. A 1.8L vauxhall vectra. Ok now to the question lol, my fathers insurance just now is 26 a month, with me going on to his insurance it will work out at 18 each a month, is this normal? Insurance to go down when you add a 2nd named driver who would only have passed his test?? This is fully comprehensive cover. But if I wanted to driver my own car a small 1L engine it would be roughly 129 a month. Seems like it doesn't add up. Go figure lol Got the quotes from go compare and confused.com. Just seems like it doesn't add up, have insurance for 26 a month with 1 driver or have it for 18 each with 2 drivers, one who has little experience and has only just passed his test driving a 1.8L engine""

Do your insurance rates go up when you file for bankruptcy?

Do your insurance rates go up when you file for bankruptcy?

Where can i get good health insurance?

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

Great sports cars that don't have bad insurance?

Okay so I'm 16 and need a sports car. My budget is 40K and if been looking at used ones. I was thinking about a porshe but it seems there insurance and maintenance is outrages. I have also been looking at Mercedes Benz. They seem to be a bit better but not sure. anyone have a porshe or a Meredes??? I also live in Canada. Or any other ideas for a sports car.??.? :)

Auto insurance company needs more information about you?

Would you be suspicious if you get a letter in the mail from what appears to be from your auto insurance company asking for your daytime phone #, drivers license #, social security #, and date of birth under any circumstance?""

Health insurance questions?

I found out that my employer was taking over $800.00 a month for health insurance. When I found out I ask to cancel insurance and get my own. I call the insurance company cancelled it on March 11, 2010 they confirmed it was cancelled. My employer is still taking the payment out of my check. Since my pay period ended for 31 they took another full month of insurance. I have not used this insurance and I can't use it because they cancelled on March 11, 2010. My employer claims it was effective cancelled for April 1, 2010. Can they do that?""

""How Can i keep my car, without paying insurance?""

I have a car that i DONT want to sell, but i will not be using very often, can i keep it WITHOUT paying insurance, because obviously it would be a waste of money to be paying insurance on a car that i do not drive.""

No insurance ticket do i have to be under the insurance of the car i was driving in?

ok so i got a no insurance ticket but im not covered in the car i drove in. i drove my parents car and so i couldnt find the insurance card when i got pulled over. i rarely come home i live about 400 miles away. the car has insurance and i am just waiting for my letter to come. so in Californa do i have to be under my parents insurance to get my ticket cleared?

Who provides motorcycle insurance for 17 year old?

I need to know who will provide insurance for a 17 year old male in Alabama. The bike I want is street legal; it is a Roketa 2009 200cc.

Will I lose my life insurance with AIG?

I have a life insurance policy with AIG. With the recent news about the AIG financial troubles, what happens if this company folds or goes bankrupt? Will I lose my life insurance policy with them?""

Anyone know cheap car insurance?

I don't expect someone to know the exact cheapest for my situation because I know it varies but in your opinion & experience what insurance provider do you think would be cheapest? Thank you =D

Should i tell my car insurance?

i got 3 bans but now legal and got a new job as a delivery driver should i tell my insurance company and would it make my insurance cheaper

Is ehealth insurance good?

i just bought insurance there. then checked out scams im freaking out a little but my mom says in no big deal. its just other broker trying to compete. I called ehealth and asked if i was to buy from the medical place myself would it cost me less? They said no, they charge no brokers fee. so Im a little confused. Help anyone? thank you!""

Does it cost anything to switch the car thats on insurance?

I have a car onmy insurance and i just got a new car does it cost anything to switch the actual car thats on the insurance? like just to take the one off thats on now and put the new one on but keep everything else the same?

Insurance for mercedes glk350?

I was wondering how much it would cost to insure a 2011 mercedes glk 350. I am looking to buy a new car

Insurance??????Insurance?

just wondering. my mom has a trailblazer and my dad has a lumina. they already have full coverage. my question is do they have to add my the insurance or since i have my drivers lisence i can start driving. my mom said that im already insured because it already has full coverage is that true or does she have to add me or what???

Car insurance cover query?

I have had an ongoing problem with a succession of worn ignition keys that are a pain when trying to start or open the bonnet on my Ford Focus.Will standard fully comp car insurance cover the cost of a replacement key/barrel if i take it to the dealer?

Can an insurance company buy off and tow my car?

some construction company hit my car. the estimate repair is 2400.00 my car in kellybluebook is 1600.00, they said they could either write me a check of 1000.00 or their insurance if going to tow my car and give me what they think is worth. can an insure really do that? can't they just repair my car and give me a rental until i get it repaired? what should i do the accident happened 6/26/13""

Where can i get individual health insurance for me and my daughter that also covers pregnancy in connecticut?

I need to get health insurance for me and my 1 year old daughter. I am planning on becoming, or possibly already am pregnant but need insurance for us. Any help? This is in CT, so it is a state that does not require individual policies to cover pregnancy.""

Affordable Health insurance for nannys...anyone know of any?

My wife recently switched jobs from a day care where she had health insurance to being a personal nanny for a family with 3 children. We were going to switch her to my health insurance, as my work only has me pay 15% of the cost. I thought this would be the same if I added my wife but we would have to pay full price for her costs (and while the insurance here is great, it is a Cadillac insurance, and is VERY expensive). My question is does anyone know of affordable insurance options for nannys?""

Can a car insurance co. refuse to remove a driver who has moved out of the house and no longer drives?

Mom, dad, daughter, and son lived together and were on the same car insurance policy. A few months ago, son had a minor accident with no one else involved - he was not hurt, only some damage to the car. Filed a claim and took care of it. A few months later, son moves out of the house, to a major city where he will use only public transportation. Can the insurance company refuse to remove son from the policy, even though he no longer lives in the house, no longer drives, and does not own a car? Insurance company is refusing to remove him, and says he must stay on the policy for 3 years? Is this legal, or is this lunacy?""

Cost of malpractice insurance for neurosurgeon?

I'm planning on specializing in neurosurgery however I persistently receive word of the exorbitant malpractice insurance rates majorly eating into the salary. Do any of you have a clue of the average rate neurosurgeons are charged? I don't want a specific quote, just the average.""

CAR insurance...i dont have a 3.0?

on estimate how much wil the cost of insurance be more? i will have a 90' 4runner if that helps

Whats the rule for taxing life insurance in California in 2011?

I think before it was anything after half a million is taxable and no tax in 2010...but would it be now?

Is no fault insurance the cheapest coverage possible.?

I don't get it my dads insurance agent told him no fault is the least amount of money paid to the insurerer that why he got me no fault but when I look it up on the Internet they say it's expensive. Can someone tell me if no fault is cheaper than collision, comprehensive, or the other types of insurance coverage. Also I live in Michigan and I'm 19 if any of that matters.""

Teenage insurance on a Land Rover?

I'm 17 and I'm looking for insurance on my 2002 Land Rover 90 2.4. No companies will insure me for less than 3500 if at all! Any suggestions? Cheers!

Provisional Car Insurance?

I am currently looking for car insurance on a car I own, The car is an 04 punto. Basically I need provisional insurance for a month and I own the car so I need a policy that covers both of these, I am 18, Any suggestions? Thanks""

What is affordable insurance for nasal fracture (nose broken) in Texas?

i'm looking for insurance that cover foe nasal fracture that i can affort..I live in Texas .. i look for the cost for the doctor, and it is too much to pay put of my pocket without insurance""

Auto Insurance Increase-Is this too much?

I backed into a tree that was in my blind spot 2 nights ago and got an estimate today of $2446.00 damage. My deductible is $250. My insurance agent quoted me a 75% increase in my monthly insurance cost. 75%!!!! This is ridiculous to me considering I have no other points on my insurance or any history. In the end after paying this increase over 3 years (plus deductible), it will cost me $2410. Shouldn't insurance save you money? Isn't there anything I can do (other than pay to fix my car out of pocket)?""

Help with car Insurance? Insurance broker claims cheap insurance?

Hi, I'm 17 and I just recently passed my test, so I'm planning of getting a car soon, maybe even next year, but the point is - I have seen this guy on facebook claiming to be working with an insurance broker that's why he can get cheap insurance... My question is not if he is a scammer or not, my question is, do insurance brokers have the right to give cheap insurance? And approximately how much off? (note i'm 17 and i'm thinking of getting a golf or a astra and i live in east london)""

""Car insurance strange quotes, why?""

Back in August, I got a quote on a car, it worked out as 900 for the year.(I'm only 17), and since then I've been getting regular quotes, and can't help but notice how much it's gone up. In only 2 months, it's gone up from 900 to 1900. I haven't changed a thing, and if you've used confused.com you'll know that you can just re-quote, which is what I've been doing. Anybody know why it's gone up so much. By the way it goes up about 40 a day at the moment. Could it be because it's the end of the month, or the end of the year? Thanks to any answers in advance.""

Insurance costs for a Yamaha Majesty?

or Yamaha Morphous? I want to purchase one of these two scooters, although I'm leaning more towards the Majesty. For a good driver with a good record, How much is the insurance on these?""

Car mod insurances?

does a body kit cost alot on your insurances.if you no what percentage it increces. thanks

Looking for individual/family health insurance in Arizona...?

I am a stay-at-home mom (in Arizona) and I need to get health insurance. My boyfriend (and our toddler) have insurance through his employer but it's like $400/month for just the two of them and it doesn't cover much. To add me to his plan we would have to get married first and it would be over $200/month more than he's already paying now. So that's over $600/month for insurance that doesn't cover much. It doesn't seem like a very good deal at all. So I'm looking for a health insurance plan that would take all three of us as an unmarried family, for less than $600/month. So far I don't see any that cover maternity, and we do want to have another child within the next year or two... We don't get sick often, but our baby needs her regular checkups and vaccinations, we need our regular checkups, vision and dental, and of course catastrophic coverage in the event something really bad were to happen. I don't see much purpose in me having insurance for myself, a young woman, that doesn't cover maternity or birth control, other than for the sake of catastrophic coverage. But if need be I could get my own insurance plan for maternity/birth control/whatever if I could find an affordable one, and they can be on their own plan that doesn't cover maternity. Blue Cross Blue Shield has some cheap rates but they don't cover maternity. Neither does Aetna. Cinergy is too expensive for just me, let alone my family too. So my question(s) to you specifically are: Can you suggest any health insurance companies that cover maternity? Can you suggest any that are affordable? Can you suggest any that would insure us as a family even though we are unwed?""

Do I need health insurance?

I am a healthy 20 year old male... I have a wife, who is also healthy, that really thinks we should get health insurance... My work offers a decent plan for $300 a month... I think this money could be put to better use... a savings account or something. The problem is of course, emergencies. I've seen plans that cover emergencies but only like 80% and they have a high deductible/monthly payment. Any suggestions/ideas??""

17yo insurance (UK) on a 2006 Nissan figaro?

I can't get any quotes from companies as I haven't passed my test yet - so irritating, anyway I really want a Nissan figaro and have seen one I like (info in title) but my mum said insurance would be , anyone have a rough estimate? :/ help!?!""

Car insurance?

I am an international student in US and I am going to buy a car. However, I don't know which insurance company has car insurance for international student. Can anyone tell me some infomation about it, scuh as the name of the company or how much it costs?""

Do I have to be on my moms insurance?

I am 15 1/2 and i got my permit my california's drivers permit in march. i wont be applicable to get my drivers license until september. do i have to be on my moms insurance to drive now

Young driver car sports car question? (insurance)?

Im 17 years old. Im on a budget of 15k for a new car. Im looking at 2003 350z's, a 2003 Mitsubishi lancer evo, or a subaru wrx (non sti). All of these are ridiculous on insurance, i know, but thats the sacrifice that must be made because i refuse to drive an economy sedan and be like every other kid my age. Im not a wanna be fast-and-furious driver, i have loved cars all my life. What do you guys think would be the most practical sports car for me, either listed above or in your own eyes. Dont suggest anything with less than 230 to the wheels or more than 6 seconds to 60. Thanks.""

How much will insurance cost for a BMW z3?

I'm 16 years old but will be 17 next month. So lets say Im 17 for now. Im looking to buy a BMW z3 because they are pretty cheap and really nice cars. I maintain a 3.0 GPA and have a clean record and live in Southern California. Anyone have an estimate on how much insurance will be?

I want to insure my car for only 4 months?

Can I do this and if so how? and what is the cheapest way? I used to be with Direct Line but canceled it when I went to Uni. Now I want my car back on the road but only for the summer holidays. Any company suggestions and how much it would cost would be great, its an M reg ford fiesta and im 19 if that makes any difference. Please help, Thanks :-)""

Insurance??????Insurance?

just wondering. my mom has a trailblazer and my dad has a lumina. they already have full coverage. my question is do they have to add my the insurance or since i have my drivers lisence i can start driving. my mom said that im already insured because it already has full coverage is that true or does she have to add me or what???

Full Coverage Insurance ripping me off ?

I got a wreckless driving dui dropdown in ohio live in kentucky in my Nissan 350z was paying $70 a month for full coverage under my parents plan... Now 2 years later after dealing with a bunch of bullshit driving a pos car with just liability for $100 a month in insurance for 2 years I finally have enough to buy a 08 nissan altima and I checked what full coverage would be and they told me $300 full coverage cheapest so I gave a few different cars and still the same price....Does it make since if my car payment is only $220 a month why in the hell would anyone pay more for insurance..?? & before you start saying something like a troll would I live in the country there is no bus stops or anything so I need a vehicle to get to work and back at this point the insurance cost to much for me to even afford when you have a apartment on ur own and only making $13/hour full time America doesn't make a god danm bit of since is this what the world is coming poverty P.S I hope i don't hit anyone without insurance....if only insurance was affordable.

How much will my car insurance go up?

I got a ticket for speeding (66 mph in a 45 mph work zone). My ticket total is $438. I am trying to decide whether to get a laywer and fight it or just pay it off. Approximately how much with my auto insurance go up? Cost of lawyer? How many points will I get on my license? I am 22 years old living in North Carolina and have never had a ticket. Advice?

AAA insurance will only pay body shop?

Hi there, My mom was rear ended by an uninsured motorist while driving my car. I have uninsured motorist coverage and AAA estimated the damage to be approximately $1000. I own my car (it's paid off) and I would rather buy the bumper and someone I know replace the bumper, rather than go to the body shop of AAA's choice. AAA does not want to give me a check and is saying they want to pay a body shop to do it. Can they do this? I looked at my policy and it doesn't say anywhere that repair costs are to be paid to a body shop, rather than the car owner or driver. I certainly don't have anything signed that says that and there is nothing in my policy details. Thanks for your help!""

Help!!!! changing car insurance?

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

Insurance pricing difference with different car brands?

Hey there guys- Recently I have begun to look for a car (my first, as I am a new driver), and have a question for the more experienced. I have been looking at things like '04 Jettas, Audi A4's, Infiniti G35's, and the like. I understand that my age, gender (male), and lack of experience are going to directly affect the price of the insurance. But my question is, what will be the price difference between something like an '04 Volkswagen Jetta and an 04' Audi A4? Both seem to be in the same category of sedan, but I suppose Audis have a little more reputation for being sporty. Suppose there is not significant performance difference between the cars, they are both valued roughly the same, and have roughly the same mileage, what will the difference in insurance rates be and why? Is it possible to give me a rough idea of what I could expect? Thanks in advance!""

What's the least expensive adequate health insurance for a Connecticut resident?

Aetna Anthem Blue Cross Cigna ConnectiCare Harvard Pilgrim Kaiser Permanente MVP Medicaid Tricare United Health Care Yale Health Plan Pharmacy Benefits is a must I believe

Medical insurance makes a difference?

Why is it that when you go the hospital and you dont have medical insurance you are looked down upon even though you do get the medical services required for proper treatment? But when you have medical insurance its like youre treated in your own way with approbation.

Car insurance question?

I recently got into a car accident that was my fault. The total damages is around 2000 dollars. the owner of the car has contacted me and asked if we could resolve it with out involving the insurance Company. What would be better to do? i have had one other accident that was not my fault. how much will my car insurance go up and for how long?

""My car was broken into and things were stolen. If i file a claim with insurance, will my rates go up?""

I live in Hawaii, I went for a hike with 8 people that all went with my truck. When we all came back from the hike, my truck was broken into. Things were stolen such as ipods, cellphones, drivers license, etc. I filed a police report. If I file a claim with home ownership insurance or car insurance, will my rates go up monthly? I've been told different things like, If the car was not moving, the rates will not go up or They might . My car and home insurance is with Liberty Mutual, my deductible is 250$. Thank you. I'm calling them tomorrow on Monday since it's not a work day yet, but I'm anxious to see if I'll be able to get my friends belongings that were stolen payed for. That and my broken windshield ><""

Estimate for Auto Insurance on a 18 year old Living in GA driving a Mitsubishi Lancer GTS 20k?

In Janurary of 08 i am going to get a New Mitsubishi Lancer GTS. I already know how much my monthlly payments are going to be the car is 20 grand. I Live in GA and was wanting to know around how much would insurance be if im 18 years old driving a new car. It would have to be full coverage and right now my family has Allstate. Can anyone give me a reasonable Estimate? Thank You.

17 year old car insurance question?

Okay. I'm gonna be getting my license in a few m onths (took driver's ed late) and I moved in with my grandparents this past summer when my family and I moved so I could stay in the general area/school and keep my job. So I live there Mon-Thur and Fri-Sunday I stay with my family. I was wondering, being thaf I'm a Junior in high school, am I able to be covered by my parents or grandparent's car insurance? I need some answers. Please & thank you!""

I'm looking into insurance sales as a career change. Which company would you recommend?

I have a strong background in sales, a college degree or 3, and a strong drive to succeed. However, with so many companies out there looking for agents, I'm having a hard time narrowing it down.""

I be 17 in April and i just got my learners and i want to know how much it cost for car insurance?

if my grand mom add me under her how much it cost

Can I get renter's insurance without a deductible?

Yesterday I got a quote from Geico on renters insurance. They said that I would have $6,000 personal belongings protection, $100,000 personal liability, with a $500 deductible. This would cost me $142 a year. I'm okay with the coverage amounts and the cost of the policy but I would like to get a smaller or zero deductible. Is this possible with renters insurance? Also Geico doesn't write the policy they use someone else but didn't want to what company it is. Can I get a zero deductible? What insurance company should I go with?""

""What are some cheap first cars, and low insurance.?""

I have 3400, in my bank account and ive been searching for a used car. The most I'd like to spend is 3000, so i have some leftover to get me started on insurance and license plates..Any suggestions on a good first car to look for? Also whats a good Max Milage on a used car? Like 100k? or 150k? I have no clue.""

Should the U.S government require it's citizens to have health insurance?

Should the U.S government require it's citizens to have health insurance?

What are average prices for teen auto insurance in CA?

just averages not a sports car i have good grades too if that helps

Car insurance. A question about car insurance.?

Hey people. So I haven't brought a car yet. But I was just on the car insurance site today and I decided to fill it in and get an idea of what I may have to pay. And the cheapest I got was 6,241. Now my friend he's 18 years old and he passed he's test last week and has a 2 door ford focus that's not including the trunk/boot and he only pays 1,200 for he's car insurance and all I know is, that he is on somebody else's insurance that has been driving for years. Could anybody explain to me why my car insurance is gonna cost me 6,241 and he's only costs him 1,200. I'm 18 also by the way.""

What could happen to me if i didnt tell insurance company?

that i was done for drink drive 3 yrs ago... wana apply for my licence back have checked insurance and said i have a drink drive conviction will cost 1,790....when i dont say then it costs me 400 quid... what do i do and what can happen and how wld they find out and who can find out..... thanx all in advance x""

""Home insurance, what can i expect on a newly built home?""

Hello guys, I am planning on building my own home, i lived with my parents for 3 years so i have some money accumilated. I am planning on a 250,000 dollar home with a 3 car garage and mostly electric components. It will be in a rural setting, in a subdivision or close to one. HOw much should i expect. And it will be 3 or 4 bd, 3 bath, and about 3,000 sq ft total monthly? thanks""

Why buy life insurance?

I'm married, have 2 young children and wonder why I need life insurance""

""BMW 318i 53 reg, insurance new driver?""

Parents may be buyign a new car, how much would it cost to insure a new driver on a bmw 318i 53 reg, about 30000 miles. Insurance would probably be on parents policy, 30+ years no claims, safe driving etc.""

Does anyone know of a good health insurance?

I broke my wrist 2 years ago and ive been meaning to have it fixed. It healed cruked and the pain bothers me from time to time. Does anyone know of a good health insurance that would imedietaly cover this injury. I have no insurance and want one but dont know which one will help me the most.

What is the cheapest way to get insurance on my first car.?

I am 18 and am buying a 1.2 corsa. I need to know the cheapest way to insure it. Even if I have to go on a relatives insurance. Please help

What is a good (cheap) insurance in Canada?

I'm a new driver, I would like to have an insurance for myself, in case IF anything happened. What are some companies with good deals? They are mostly expensive, but I have heard there are some cheaper ones available. Thank you for you help!""

Insurance??????Insurance?

just wondering. my mom has a trailblazer and my dad has a lumina. they already have full coverage. my question is do they have to add my the insurance or since i have my drivers lisence i can start driving. my mom said that im already insured because it already has full coverage is that true or does she have to add me or what???

https://www.linkedin.com/pulse/home-auto-insurance-rip-off-marieke-fleming"

[andrewdburton]

The five types of retirement

As you probably already know, I’m a nerd. I’m such a nerd that during my spare time I like to read books about money. But more and more, regular personal-finance manuals aren’t enough. I crave something nerdier! And so, I’ve begun to research the history of retirement. Right now, I have four or five books on my office desk that are all about the origins and evolution of retirement.

Turns out, retirement wasn’t always considered desirable (at least not for employees). In the olden days — back in the late 1800s — “mandatory retirement” caused a great deal of resentment among older workers and there was a popular backlash against it. People wanted to keep working, but as big corporations rose to prominence and power, they pushed for a younger workforce.

I haven’t really read enough about the history of retirement to write intelligently on the subject, but I wanted to share a quick observation on the nature of retirement in 2018.

You see, while the idea of retirement might be relatively young, it’s achieved a level of complexity that I find fascinating. Retirement is no longer one thing. It’s many things. Or many possibilities. I thought it might be fun to visualize what I consider the five most common kinds of retirement in our current economy. (Note: Yesterday, we looked at the standard definition of retirement — and how there’s not really any standard definition at all.)

Traditional Retirement

During the 20th century, a standard model of work gained prominence in the United States (and other developed countries). You got a good job, you worked hard for forty or fifty years, and then you retired around age sixty to enjoy the last decade or two of your life. (Your retirement was funded through some combination of company pension, personal savings, and government aid.)

Graphed, the traditional model of work looks like this:

By the 1970s and 1980s, standards of living had risen enough that some folks began to challenge traditional assumptions, even embraced the idea of leaving the workplace.

“Why should we wait until the end of our days to make time to enjoy life?” they wondered. “There’s got to be a better way.”

Early Retirement

This “better way” turned out to be early retirement. These brave pioneers ran the numbers and demonstrated what would have been an impossibility just a few decades before. If you worked hard to increase your income while simultaneously striving to keep costs low, it was possible to save enough so that you can stop working at fifty. Or 45. Or forty.

Graphed, the early retirement model looks like this:

The key difference between early retirement and traditional retirement is your saving rate.

The traditional retirement model requires a saving rate of 10% (or maybe 20%). The early retirement model requires you to save half your income — or more. If you’re diligent and build a wealth snowball, you’ll eventually reach a “crossover point” (as described in the 1992 classic Your Money or Your Life): The income from your investments will be enough to support your spending. You’ll have reached financial independence.

These two approaches are the most popular paths to retirement, probably because they lead to permanent retirement. Once you stop working, you’re done. To folks still trapped in the Matrix, these might seem like the only options. But I believe there are at least three other types of retirement.

Temporary Retirement

In 1988, Paul Terhorst published Cashing in on the American Dream, one of the first books to explore alternative retirement options. While Terhorst advocated early retirement (as described above), he also explored another kind of retirement, one that we’ll call temporary retirement.

Here’s how the author describes it:

We used to work and then retire. [I suggest] you work, then retire, then consider going back to work. Under this plan you devote your middle years to yourself and your family. During those years your mental and physical powers reach their height. You can explore, grow, and invest your time in what’s most important to you. You can enjoy your children while they’re still at home. Later, after you’ve lived the best years for yourself, you can go back to work if you want to. The choice will be up to you.

Under Terhorst’s plan, you go to work for ten or fifteen years, then you take time off to pursue your passions for as long as your money lasts. This could be ten years or twenty — or it could turn into the rest of your life.

Graphed, the temporary retirement model looks like this:

I haven’t thought much about temporary retirement, but it seems to have some interesting features. For one, you do get to spend your prime years on whatever is important to you. But what I like best is that if you return to work later in life, you ought to have higher earning power and you’ll probably have access to better health insurance. (Finding affordable, quality health insurance is a huge issue for early retirees, especially in the past five years.)

Semi-Retirement

Temporary retirement is one novel approach to leaving the workplace. So too is semi-retirement, which was popularized by Bob Clyatt in his excellent 2005 book Work Less, Live More.

According to Clyatt, semi-retirement is about finding work-life balance. For some, that means continuing with their previous career, but in some sort of reduced capacity. For others, it could mean changing jobs completely to something that pays poorly but offers a sense of satisfaction. And for others, semi-retirement could simply mean supplementing investment income with a care-free job at the local coffee shop or fabric store.

Graphed, the semi-retirement model looks like this:

As I’ve said many times before, I consider myself semi-retired. I’m financially independent, it’s true, but I choose to continue working. Having extra income provides and added layer of security. More than that, however, my work here at Get Rich Slowly (and elsewhere) gives me a sense of purpose.

One of the biggest advantages of semi-retirement is it allows you to leave the rat race at a much earlier age than you might otherwise be able. Even if you’re not ready to quit work entirely, you can opt to find less stressful and/or more fulfilling work. Your financial needs aren’t as great, so you don’t have to choose a job based on income.

Mini Retirements

The last of the five types of retirement comes from Tim Ferriss’ 2007 bestseller, The 4-Hour Workweek. In that book, he asks: “Why not take the usual 20-30-year retirement and redistribute it throughout life instead of saving it all for the end?” With this model, you work in fits and starts. You might work for five years then take two years off — and then repeat the process all over again. Ferriss refers to these career breaks as “mini-retirements”; you might know them better as sabbaticals.

The advantage of using the mini-retirement model is that you’re able to get the best of both worlds — work and retirement — at every age. The disadvantage is that you never really build up a huge buffer of savings because you’re using that money to fund your sabbaticals every few years.

Graphed, the mini-retirement model looks like this:

When I read The 4-Hour Workweek, I felt like Ferriss was vague on how to make mini-retirements happen. Naturally, I dug deeper into the subject when I got a chance to interview him for Get Rich Slowly in May 2008. Sabbaticals and mini-retirements are terrific options for folks who are looking for a non-traditional career path, and who want to take time off to experiment with travel and entrepreneurship while they’re young. (Kim essentially took a mini-retirement while she and I spent fifteen months traveling across the U.S. in a motorhome.)

Which Type of Retirement Is Right for You?

I know those timelines are teensy-tiny, and I apologize. By their nature, they’re long and wide. Plus, it probably doesn’t help that they’re spread throughout the article. In an effort to add clarity, here’s what they look like next to each other. (You can click the image below to see a larger version that might be more readable.)

The brown part of the bar is “training”, the period during which we’re in school as children and young adults. The green part of the bar is retirement. An orange section is work with a traditional saving rate. A red section is work with a high saving rate.

After all this, here’s what’s important to understand: There’s no one right way to retire. Despite what the Internet Retirement Police would have you believe, each of the options I’ve listed here is valid. They’re each a type of retirement. (Still, I try to use the term “financial independence” instead of “retirement” just to avoid confusion — and arguments.)

Which type of retirement is right for you? It depends. Only you can answer that. How’s your health? Do you like your job? How much money have you saved? What’s your purpose? What are your goals? All of these answers will have a bearing on your decision.

The post The five types of retirement appeared first on Get Rich Slowly.

from Finance https://www.getrichslowly.org/types-of-retirement/ via http://www.rssmix.com/

[gaiatheorist]

Persistence.

It’s not hard to shorten that to ‘pest’, is it?

I thought we’d covered that particular issue with the ‘How to talk to a woman wearing headphones.’ fandango, but, it appears that it’s still rumbling away, a sub-current, re-surfacing on this flow of ‘stop complaining’, and ‘good-natured groping.’ (I think I just swallowed a bit of vomit typing that.) I’m genuinely hoping it’s a generational thing, I don’t think I’ve seen anyone who’s the other side of 40 to me trotting out the “It’s flattering.” or “Just a bit of harmless fun.” excuses, there might be hope yet.

“No, thank you.”

“No.”

“Stop doing that.”

“Nominate your least favourite testicle.”

The ball, or in this case, the balls, are in the female court yet again. It’s ‘our’ job to repel unwanted advances, some of which honestly are repellent, because a very vocal minority of the population are still insisting they’re harmless. I’m looking at you, Petronella and Edwina, as much as I’m looking at the sleazy, mostly-older men who still believe that persistence pays. There’s my usual side-swipe here, about the type of woman that thrives on vanity-validation, producing pouting progeny who ‘need’ to be told they’re pretty. You know the type, they won’t leave the house without make-up, and sulk if people don’t compliment their hair-do. Wear make-up if you want, spend extortionate sums of money on hair appointments if you want, but, for the love of all the Gods, don’t instil-inflict that on your daughters, drip-feeding them the notion that their worth is measured by the validation of their physical attributes by others.

The recent articles in the news, about young women and girls feeling pressured by the perfection-perception on social media show me that, while the tea/consent videos are sort-of being taken on-board, there’s still confusion. If we have mothers teaching their daughters that they need to present themselves just-so, and possibly a generation of fathers and uncles teaching the boys to ‘keep trying’, we still have a problem. Yes, there does need to be a certain quantity of coupling-up, for the continuation of the species, but that’s not ‘everything.’ (I know, I’m ‘speaking as an outsider’ on that strand, and have managed to give myself an incomplete John Cooper Clarke ear-worm.)

Clarification on the ‘outsider’ status, because quite a few people have been questioning me on it lately, after an ill-advised social outing. I’m single, I’ve been ‘separated’ for a little over 18 months, I put that in quotation marks, because I was effectively single for most of the marriage. Brave face, stiff upper lip and all that, most people, when they find out that I’m no longer ‘with’ him, are shocked. “You always seemed so happy! Is there any chance you’ll get back together?” I wasn’t happy, HE was happy, so, so many tantrums from him, ending in him yelling that he wasn’t happy, as if it was my job to keep him happy, as well as everything else I did. No, there’s no chance of us getting back ‘together’, we weren’t really ‘together’ for most of the marriage, and now, I’d rather have nothing at all than not enough. I’m not ‘in’ a relationship, and I’m not looking for one, no matter how many dating agency adverts Facebook wants to throw at me. 

I’m not registered with any dating agencies, and my social media accounts are ‘locked’, so I don’t have to deal with sliders. Two points to extract from that, the first being that I’m the one taking preventative action, in terms of locking down who can interact with me. The second point being that we women are aware that there are men who will use social media as a pick-up zone, the shit-lists and whisper-networks aren’t just a Hollywood/media thing. “Watch him, he does ‘that’.” messages are floating about behind the scenes all the time. We women moderate our own behaviours, and then quietly nudge other women away from men who have penchants for the ‘DM-slide.’ I wonder how long before that ends up ‘out’ in the dictionary. Why don’t we just ‘out’ the sliders? Well, that calls OUR behaviours into question, did you lead him on, were you flirt-chatting before he DM-ed you a photo of his favourite toy, what did you expect, having posted photographs that he found attractive? I’d surmise that the vast majority of my social media contacts aren’t fishing for partners, compliments, or affirmation, and ‘we’ have learned to moderate our output, because we know it will be us called to account for any unwanted interaction.

Flipping that to the ‘other’ side, a female acquaintance of my pizza-delivery-driver friend has nudged him that The Widow has a profile for engaging people for her own gratification, and then shit-posting them once she has what she wants. Lucky nearly-escape for him there, I managed to exert enough influence over him for him not to cross ‘that’ line, but, if she doesn’t find another plaything to replace him, there’s every chance she’ll expose their private messages. I’ve put him on do-not-engage orders, with a back-up plan for if the shit does hit the fan. The shit probably will hit the fan, and his wife might well take it as the final affront to her dignity, I have no control over what he’s already done, or what The Widow might do. I’m guessing that The Widow probably will cause a scene when he starts ignoring instead of engaging, she’s persistent. 

The other ‘persistent’ I’m processing, and think I’ve managed to shut-down, actually is my own fault. I shouldn’t have gone to my brother’s wedding-thing, I shouldn’t have necked half a bottle of wine before I went out, and I absolutely should NOT have made clumsy advances towards a man I had a bit of a crush on when I was 17. I’d risk-assessed enough to pick a man who wouldn’t just accept the advance, take me out behind the club, and prop me against one of the bins. Unfortunately I’d picked a sensitive ‘thinker’, I do have a ‘type’. I don’t know how many Messenger messages I’ve had from him in the last two weeks, hundreds, at least. He accepted my apologies, he was flattered, but I was VERY drunk. Neither of us are very sociable/outgoing, and there is no way I would have behaved that way if I wasn’t introvert-inebriated. (Still had enough presence of mind to pick one that I knew would say ‘No.’) As it turns out, it wasn’t ‘No.’, it was ‘Not now.’, nothing’s ever straightforward with me. It’s made even less straightforward by the fact that he’s an old friend of my ex, and a close friend of my brother, I hadn’t really thought that angle through.

Hundreds of messages. Polite chat about what we were up to now, we probably haven’t seen each other in about 10 years. Deep, and insightful conversations about Catholicism, Capitalism, and other people’s obsessions with being part of a ‘couple’, both of us very clear that neither of us could tolerate the presence of another person for very long. It was new, and interesting, to have another person to bounce-off, even if he does put a space before a punctuation mark, and used the wrong ‘there’ more than once. ‘My own fault for engaging’, but I can’t be expected to live in a vacuum forever. 

By the end of the first week, he’d offered me spare keys to his house, he works away most of the time, and my heating doesn’t work, my life would be much easier if I was a gold-digger. Did I want him to look at my heating, did I fancy going out for a drive the next time he was back home, would I be interested in going to my brother’s Christmas party with him, and numerous instructions that I ‘had to’ stay in touch with my family. No, no, no, and I don’t. The creepy-persistence all revolved around Christmas, what a laugh it was at his family Christmas get-together at his sister’s house, and how I ‘had to’ at least show my face at my brother’s party. He’d taken my response that I wasn’t doing anything ‘for Christmas’ to be an unmet need, a gap he could fill. I know he’s only trying to be kind (and get into my knickers), but Christmas shenanigans aren’t a ‘need’ for me. I went straight in with the ‘Christmas is bullshit’  angle. No, I didn’t want to ‘do’ anything for Christmas, because I just don’t ‘do’ Christmas, it’s not an event in my calendar. He countered with the ‘family’ angle, that my brother, and sister-in-law really missed me, and would love to have me for Christmas Eve party-night, ‘even if it’s only for an hour’, he’d even gone so far as to suggest who could give me a lift there and back. Persistent. “No, I’ve seen them once this year, that’ll do.”  

“Oh, come on, they’d love to see you, you have to make an effort, they’re your family!”

“I don’t have to do anything, I’m not interested in being a charity case, passed around like the original spinster aunt.”

He’s persistent, but I’m belligerent, his ‘normal’ is not my ‘normal’. He’s trying to ‘fix’ me, but the areas he’s chosen to focus on aren’t really where I’m broken. He’s dangled house-keys, and Sunday afternoon rides in his Porsche, I don’t half pick my targets, he reminds me of those bower-birds dropping courtship gifts. I’ve said no, thank you, I’ve said no, I’ve said that I don’t want to, but he’s old-school ‘keep trying’ mentality. I brutally shut him down yesterday, with a very long message detailing how I wasn’t ‘looking for’ anything from him, that his very fast offers of assistance were disconcerting, and that his repeated assertions that I ‘had to’ do Christmas, or family stuff were assumptive-offensive. “Only trying to help.”, now, where have I heard that before? “Worried about you being on your own.” mate, ‘on my own’ is my zone, it’s where I’m at my most functional, I am very bad at social stuff, so it’s easier just not-to. 

The absolute irony of myself and my ‘spare Dad’ pizza-delivery driver friend both dealing with propositions at the same time was that I was fielding messages from Porsche-man with polite knock-backs at the same time as I was slagging him off to spare-Dad. I’m a bitch, deal with it. I’m also VERY careful always to make sure I’m replying to the right person before I hit ‘send.’ I was ‘letting him down gently’, spare-Dad has just panicked and run a mile about how The Widow could compromise him. I don’t know if that’s a communication-style thing, or just a ‘control’ thing, and I don’t know if it’s a male/female thing at all, I suspect not. The Widow and I both ‘came on strong’, and most men don’t know how to deal with that. Drunk-me had her ‘I want!’ head on, a man I’d wanted when I was 17, and an empty bed. I was persistent, and I sulked when I didn’t get what I thought I wanted. I’m not 17 any more. The Widow is continuing to be persistent, and that way lies ruin for my friend, if she doesn’t find another target before she realises he’s blanking her.

Persistence in the ‘dating game’, whatever that is, isn’t an attractive trait, and the old-norm of ‘keep trying, you will wear her down eventually’ has to be called into question, people shouldn’t have to progress through ‘No, thank you.’, to ‘No.’ and then to ‘No!’ That’s where ‘trying’ starts to overlap into something more unpleasant, and where the warning flags, and defensive mechanisms start to come out. The majority of repeat offenders are male, but me throwing my drunken self at Porsche-man, and The Widow pouncing on my pizza-guy’s every Fakebook post show that some women will do it, too. No means no, except when it means not-now, that’s a whole different web to be tangled in, but, like Robert the Bruce’s fabled spider, I tried, and tried again, my resilience appears to have overcome his persistence. I started it, it’s my own fault, I made the offer, and it’s taken two weeks for him to accept that it’s no longer an option. Should I have been more blunt? I was trying to spare his feelings, and not cause offence, but ended up telling him he was being ‘creepy.’ 

I imagine some women, offered the keys to a big house, and Sunday drives in a Porsche, might have leaped at the chance. I imagine some single, 40 year old women might have seen ‘a prize’ there, and, fearing being ‘left on the shelf’, accepted the offer, feeling that something is better than nothing. Most of my behaviours are atypical for females, I’ve had a lifetime of risk-assessing for potential harm, so I mostly just don’t acknowledge my gender. That particular man wanted to ‘help’ me, to ‘fix’ me, to ‘rescue’ me, very gallant of him, he is a genuinely lovely man, but I’m in no need of sweeping off my feet, I fall over often enough as it is. I’ve cut him off dead, and told him that nothing is going to happen between us, there was a niggling feeling that I was being insensitive, the girl-guilt trap, but, faced with his persistence for two weeks, and him trying to work-around my reasons for saying no, I didn’t feel like I had any other option.

“It’s not you, it’s me.”, before anything became any more complicated than it already was. It is ‘me’, but it’s also that headphones-man mentality that if you chip away at someone for long enough, they’ll acquiesce. We won’t. It’s irritating, and sometimes downright sleazy, sometimes it’s even worse than that. When persistence becomes pestering, we have a problem.     

[jamieloveharris]

& i thought changing my relationship status would be hard....

i REALLY didn’t want to have to write this. i’ve gone back & forth because part of me wants to be the bigger person and let karma do it’s just job. and other part - straight savage. as you may (or may not) know, i was supposed to get married in november. if you’re hoping this is the story of that, go ahead and click that X bc it’s not. howeverrrrr....when i got engaged, i moved pretty fast and went ahead and booked whatever i could, one of those being a photographer. this particular photographer i had obsessed over for years. literally my fam got some pics made probably 8 or so years ago and he was fairly new and i remember calling him to get pricing details. so since then, i’ve followed his work on social media etc and he’s crazy talented. so when i reached out and he was available, i was ecstatic. he’s pricey but if you know me, i love pictures and i was willing to splurge on a good photographer. everyone’s advise was always, “its all you’ll have left of the day, splurge.” anyhow, we emailed back and forth about pricing, packages, etc & spoke on the phone once, and he told me that he was doing things a little different now due to taking a full time job and trying to balance work/family life. you see, his wife is a photographer as well and equally as amazing and instead of shooting separately, they started to shoot together (if you choose 2 shooters) so they wouldn’t always be away from each other during the busy season of photography, allowing them to “drop their prices” some (LOL). so, long story short I said lets do it, and sent him the deposit. the schedule is as follows:

25% immediate deposit ($1,050)

25% 60 days before wedding date ($1,050)

50% remainder due 2 weeks before wedding ($2,100)

on january 20, what we agreed to was a total of $4,200 ($4,000 wedding package) + $200 (extra one hour if needed). so, I sent him $1,050 which is 25% of the total amount via paypal. the next payment wasnt “due” until technically september 18 - 60 days prior to the wedding which he stated in an email to me as well. i wanted to go ahead and try to get ahead so on March 17, I emailed him asking if it was okay to go ahead and send him more money (that wasn’t “due” until 9/18) and he was very eager to say “Well sure. You can send me as much as you want as often as you want :) “ Yeah, i bet so.

DISCLAIMER: in his defense, it DOES say in the contract I signed that in the event the client cancels for reasons out of the control of the photographer before completion of services, photographer retains all funds collected to date” I tell you this because I want to be completely transparent with all relevant details since this is basically a story of morality, and not money.

stay with me. SO, unfortunately I called off the wedding at the beginning of april. imaginably so, it’s a very emotionally draining situation and at that point, I knew I had already lost a lot of money (on venue, catering, band, dress, etc) so i was just trying to recoup anything that I could. it’s just money but at the same time, ya girl isn’t rich so being able to get anything back I could would be more than helpful. I had paid extra towards my venue  as well and when I reached out to her (s/o to Bonnie - you’re the best), she immediately went out of her way to go to the bank and deposit the money back that wasn��t owed yet, but i had chosen to pay before it was due. my caterer also refunded what he could, minus the required deposit and wrote me truly the sweetest email saying he was praying for me and my situation and would be happy to refund fully if he rebooked the date. ya know, being a good person and doing what’s “right,” in my unprofessional opinion. let’s get to the good stuff...okay so, I had chosen on my own free will to send said photographer (cough cough ROB INGRAM cough cough) an extra $1,000 on March 17 via paypal. keep in mind, it wasn’t due until september and he wasn’t using that money for anything relative to my wedding. afterall, we were only using him for the wedding - no engagement or bridal pictures or anything. that was 2 weeks before I called off the wedding. 

April 1, i emailed him asking protocol on if he would refund any payment that was made outside of the non-refundable deposit. I was aware i wouldn’t get the original $1,050 back and that’s fair business. to be honest, i didn’t read the fine print on the contract because who thinks you’ll need to cancel ya know? not me. {{ LESSON LEARNED }}.  and this is where sh!t hit the fan. it’s LONG, but if you’re still reading you’ll probably be intrigued to find out the rest of the story right? so for your reading pleasure, i’ll copy and paste the string of emails between Rob and I from that date forward. 

i’d like to preface this with some of my thoughts. first, contractually he doesn’t owe me any of the extra $1,000 that i paid him. i get that. morally, in my opinion, he does. afterall - he has to sleep with himself at night and live knowing he essentially stole $1,000 from someone he performed ZERO services for, not even so much as meeting for a cup of coffee. i’d also like to point out the fact that it was less than 2 weeks after I sent him the $1,000 that i asked about him refunding it. my theory is that he had already spent it therefore he didn’t have it to give back.i feel like as a human being, it’s our duty to be kind, and compassionate. maybe i’m crazy but the “right” thing to do would have been to do exactly what Bonnie did - give it back. it’s not yours. you did nothing for me, rob, except make me completely devalue you as a professional and as a person in general. again - I GET IT - by contract, he didnt have to give it back. but as a person, it would have been the right thing to do. it’s hard not for me to go postal up in this blog about it, but i think i’ll let his words speak for themselves. he demoralized woman, condescended me as a person, and said very offensive things about my friends whom he does not know. he didn’t want to add salt to the wound (after he took him over a week to respond btw - inclusive of a text and follow up email from me) but he would be glad to credit at least part of the payment “for when I do get married.” ya know what Rob? F OFF. Do you think that’s what i’m thinking about right now? do you think 1. I would ever use you as a photographer IF i do get married one day? and 2. do you think i’m studying my next wedding right now? NO. BYE.  and that’s just the tip of the iceberg my friends. in the end, HE SUGGESTED that he would pay me on the 1st of the month $100/month for 5 months starting in May to prove his integrity (HA HA HA HA) because that’s all he could afford to do regardless of if he rebooked that date or not. Fair enough, and I thanked him for that gesture. I had to follow up with him, which is extremely awkward by the way, asking about the payment. truthfully, it’s not even about the money at this point but about doing what you say you’re going to do. he FINALLY paid my my first payment on May 19th (18 days after promised date). he lied saying it was “set to transfer” on the 15th of May, which i actually don’t think is even a real possibility with paypal after talking to other professional business owners who use Paypal as their method of payment, but that’s neither here nor there at this point. In June, i received $100 on June 16. After that, NADA, ZERO, ZILCH. Let me repeat - it’s not about the money at this point. it’s about doing the right thing.  I’ve sent several emails to him asking to simply let me know if he doesn’t plan to fulfill his promise to let me know. again, NO RESPONSE. i swear i’ll quit rambling but my final thought is this....if you want to maintain your integrity that you swore you have, then do what you say you’re gonna do. Simple as that. and if you don’t plan to do said thing, have the decency to at least let that person know. if you plan to keep reading, start at the bottom of the email chain below and read up. PLEASE READ HIS LONG EMAIL CAREFULLY. I cannot stress enough how unprofessional, rude, demeaning, and downright ugly it was. I’ve never been more turned off from something in my life. ENJOY!!! :)

On Sept 18, 2017, at 12:44 PM, Jamie Harris <jamie.harris23@gmail.com> wrote:

Hi Rob, I didn't hear back from you so I'm going to assume at this point I won't be receiving the additional $300 that you offered and agreed upon? 

"But beginning in May, I will refund you (thru PayPal) $100/month for 5 months regardless of whether or not we rebook for a total of $500.  And, in the event that we do book the date, I will refund the remainder of the $1000.  I know a little at a time doesn't have the same effect as a lump sum, but it's the best I can do right now."

Thanks,

Jamie 

On Jul 27, 2017, at 8:42 AM, Jamie Harris <jamie.harris23@gmail.com> wrote:

Hey rob, just wanted to check in with you regarding July payment. 

Thanks

Jamie 

From: Rob & Wynter <robandwynter@gmail.com> Date: May 18, 2017 at 7:47:03 AM CDT To: Jamie Harris <jamie.harris23@gmail.com> Subject: Re: Contract

Jamie,

That transfer will be authorized tomorrow morning.  I don't typically use the account tied to the PayPal so I had to transfer the money to the funding account yesterday.  I wasn't aware that the account didn't have money in it when it was set to transfer.  Never intended not to do what I said I would do.

Sent from Rob Ingram's iPhone

On May 18, 2017, at 07:41, Jamie Harris <jamie.harris23@gmail.com> wrote:

Hey Rob, it's the 18th now and I have not received anything via PayPal. I just kindly ask that if I will not be receiving what you offered to me, please let me know so I am aware. 

 Thanks,

Jamie  Sent from my iPhone

On May 10, 2017, at 5:02 PM, Rob & Wynter <robandwynter@gmail.com> wrote:

It's set to transfer on the 15th Sent from Rob Ingram's iPhone

On May 10, 2017, at 16:54, Jamie Harris <jamie.harris23@gmail.com> wrote:

Hey Rob,

 Just wanted to follow up regarding your last email. 

 Thanks,

Jamie

Sent from my iPhone

On Apr 18, 2017, at 4:11 PM, RobWynter Ingram <robandwynter@gmail.com> wrote:

Jamie,

 I’ll start by saying that the fact that you concluded this message with “I don’t expect a response, to be honest…” is confirmation that you don’t know me very well.  But, I guess you can only derive your opinion from personal experience. My delay in responding to your cancellation email (as I have already told you) was because I wanted to see if I could fill your date with 2 other inquiries that we had for 11/18 and hopefully be able to refund some of your money.  I apologize that, in the middle of life and a busy wedding season, I didn’t respond sooner.  I know this is not an easy time for you and adding financial strain only adds insult to injury.  It was never my intention for the end-result of all this be one that has left such a bad taste in your mouth.

 I’ll also say, before I address your message, that of the 30+ brides that we work with every year, not one would make general comments about my “heart” or my approach consistent with what I just read from you.  In fact, “heartless” is so far from who I am and who we are.  But, rather than try to convince you of that, I will (try) to remove emotion from it and simply respond with facts.  I absolutely HATE the fact that your opinion of me is now so skewed from the reality of who I am that you feel the need to say some of the things you have, but I guess what’s done is done, and all we can do now is continue to do the things that made you want to hire us in the first place, which is be the best wedding photographers we can be and provide brides with beautiful wedding images.

 To begin, let me confidently say this.  I will refund the $1000 if I book the date.  I have more integrity than you might think, and I will be 100% honest with you if we rebook and will refund your money.  But so far, I have had zero inquiries since you cancelled.  I had 2 others within a week of you booking.  And both could not move their dates.  You are right, it’s possible we will rebook, but speculating that is a moot point, and as of now, we will make at least $2000 less than expected right before Christmas.

 I have been doing this for 10 years, Jamie.  Shooting weddings is a volatile thing and a huge risk for anyone who makes this their profession.  As weddings are concerned, we basically stake our entire income on the promise of two people who are currently very happy, but have no idea of what lies ahead.  In the entire time I have done this, previous to 2016, I have had only ONE wedding cancellation.  Then, in 2016, we had 3 cancellations, all of which did not result in rebooking the date, costing our business over $15,000 in income.  Now, for 2017, we have had 2 weddings that did not work out after booking, resulting in another $5400 in income loss.

 As far as your comment about comparing what $1000 means to us vs. yourself.  Let me ask you….and it’s imperative that I be a little more personal here than I typically have to be with clients because perspective might help in our case as well…How many of your "photographer friends” that you felt the need to talk to about this, support 4 kids (not including an additional $1000/month in child support and another $1200 for health insurance) on a one-income budget?  You can do the math, but in order for Wynter and I to have anything that resembles a life with our kids on the weekends, we can only feasibly take 30-35 weddings a year.  Other than a VERY small amount of other photography income, WEDDING photography is our only source of income.  We don’t shoot separately, because our product is now branded by what we both bring to the table on a wedding day.  The process of editing hundreds of images/week and making sure that we correctly handle images that can never be replaced, is one that takes a great deal of time and care.  So again, since you felt the need to bring it up, I’m betting the comparable value of $1000 to us is a little closer than you might think.  Remember, image is our job, so it may be a little misleading when you simply look at our life and business with facebook or Instagram goggles.  So please, if these photographer friends of yours (who obviously aren’t talented enough to garner your business) really want to talk to me about their opinion of my approach here, please tell them to call me when their husband gets off work.  I’d be happy take any advice from them that will allow me to be both a business man and a bleeding heart.  And feel free to forward this email to them too.  This business is full of people who will try to undercut and discredit other photographers at every turn.  Maybe this email will be ammo they can print, forward and use in their advantage to create an image of me that results in one less person to compete with.  It’s why I have never cared much about what everyone else is doing.  And frankly, the insecurity of a lot of people in this business is consistent with the ones that would so willingly be agreeable with you in this situation.  But, if my guess is right, you either talked to someone who is single or someone who has another source of income in their home.  But again, I’m just giving you facts and comments about financial consequence isn’t an area that anyone has ever tried to navigate with me.  So, my “condescending” response about applying your payment to a future wedding is justifiably condescended now by your interpretation and the emotions behind a hurt that I ultimately did not cause, and yet currently have a $2100 deficit because of.  So to clear that up, I wasn’t trying to be condescending at all, but I am pretty confident any this point that you won’t be “passing on my name” to other people in any way that would ever result in me being portrayed in a positive light.  And really, the residual effect of what this has ultimately done to your image of us, is going to cost us a lot more than just the $2100 that we won’t get from you. Consider that we are two people (with financial responsibility to 4 more) getting paid basically one medial income.

 Jamie, this situation doesn’t require me to pray about it.  I really can’t believe that I’m even discussing money value and prayer in response to this, but you went there, so I will too.  My relationship with Jesus is the most important thing in my life and spiritualizing this issue isn’t something I think is necessary.  But hypothetically, had your message today said, “Hey Rob, that $1000 means a lot to me and not having it makes a significant difference in my life.  As a fellow follower of Christ, I am asking you to consider our kinship in that and pray about a way to refund all or a portion of this money.  This is a crappy enough time for me and I realize there may not be an immediate solution, but I would appreciate it if you would reconsider your last email”, then I wouldn’t have spent the better part of my day responding to this, I would have a better perspective on how it effects you, and would have done what was best for both of us regardless of contractual language.  And maybe that should have been my first approach, but just because my business deals with people on a more “personal” level doesn’t exempt me from still being a business, so I responded as such.  Typically, the clientele that we work with understands that, which is why I’ve never dealt with this.  In fact, most of those relationships end extremely well and have been followed up with inquiry on whether or not they owed a cancellation fee, rather than me writing a check back to them based on a circumstance out of my control.  The fact that I never uphold my clients to the "additional 25% cancellation fee of entire contract" outlined in their contract may produce a less “heartless” opinion from others who have been in your situation.

 This is the exact reason why Wynter and I charge a little more than most photographers.  There are plenty of “wedding photographers” who have a camera and can produce a good image for $2500-3000. If I expounded on the reality of their inadvertent devaluing of our industry, I would spend the next half of the day typing, so I will spare you.  BUT…our whole approach has always been based on working with an upper-tier bride who typically isn’t greatly affected by the loss of $1000.  In fact, in your situation, I was more inclined to think money wasn’t an issue for you at all.  You didn’t try to talk me down on price, you were in a hurry to get your deposit to me, and you sent the extra $1000 even after I told you that it wasn’t yet due.  And up until you cancelled your wedding, you were very consistent with some of the best brides that we have ever had from a payment and accountability standpoint.  So, my response was derived from quantifying and qualifying you with our other brides.  I apologize that I responded with an incorrect assumption.  You can't expect me to know the reality of your personal situation, and the email you sent to me this morning basically holds me responsible to know that.

 My “truly shocking” response, as you called it IS exactly what you described it:  a matter of money.  I unapologetically agree with you there.  And I’m not quite sure why it being a “matter of money” and me “having a heart to do what I can to help someone” can’t coexist.  And if really was a ONLY “matter of money” I would be the type of heartless person that would seek all compensation of what was agreed to in the contract, which would be an additional $1000.

 So, to be clear, I am not the jerk that my response in this email confirms that I can be.  But, when I receive an email that is obviously based on frustration and dehumanizing me, I am not going to read it without at least attempting to establish a little bit of perspective-based defense.  You ask how I can sleep at night.  My sleep has never been effected because I've always done what I said I would do and I've never received such a hostile email based in response to what someone agreed to.

 All of that being said, I will do this…because we live on our received income rather than our completed work income, I can’t cut you a $1000 check today.  But beginning in May, I will refund you (thru PayPal) $100/month for 5 months regardless of whether or not we rebook for a total of $500.  And, in the event that we do book the date, I will refund the remainder of the $1000.  I know a little at a time doesn't have the same effect as a lump sum, but it's the best I can do right now.

 I am really sorry our relationship took this turn, Jamie.  I enjoyed every moment of our first conversation and I hope one day you can see that I'm not all the things you seem to now believe.   What I definitely will pray about for you is continued healing through this difficult process.  From my experience, you are a really cool girl and I hate we won't be moving forward from this point on.  I'll be in touch the first of May with the first partial reimbursement installment.  Thanks for taking time to read this.

 Rob

     On Apr 18, 2017, at 10:17 AM, Jamie Harris <jamie.harris23@gmail.com> wrote:

 ​Hey Rob/Wynter, I’ve had some time to think about this situation and it’s just been on my heart to respond. I understand what you said about the contract, but in my personal opinion something like this comes down to a matter of character and just simply doing what’s right and being able to lay your head down at night knowing you’re living the way you’re proud of. I know that I made the choice to send you an extra $1,000 when it was not even due, and in your contract you did state what was paid was to be kept. At the same time, when I look at the big picture it honestly just doesn’t sit right with me that as a successful and respectable business owner, you are okay with keeping $2100 of someone’s money when you truly performed no act of service. We did not even meet in person and get a coffee. We simply exchanged a few emails, several of which took you more than a week to respond. If I canceled a month before my wedding, this would be a different story and completely understandable. But considering it was over 7 months out from the event, you and I both know the chances of you filling that spot are pretty high knowing how wonderful of photographers you and Wynter are, and how desired your services are as well. People plan weddings in just a few months all of the time, and I just can’t help but feel like I was truly taken advantage of, and I hate feeling that way with someone whose work I have followed since the beginning and always dreamed of having them shoot my own wedding. I would never want or expect to get the 25% deposit back. I knew going into it, that no matter what that was nonrefundable and should something happen, that was paid regardless. I just can’t get out of my head that I sent you $1,000 and you’re comfortable with keeping that knowing you didn’t provide any service to me. $1,000 is a lot of money to me, especially considering I am single and live alone and have already lost about 5x that much with all of the other things I had to cancel. Again, that was MY choice and I’m well aware of that but at some point it just comes down to doing the respectable thing. In the grand scheme of things, what is $1000 to you compared to what it is to me? Especially $1,000 that wasn’t even owed to you yet. As far as the taxes thing go, it would just show as you overpaying and would be considered a credit. It's not anything that would cause issues in the long run, so I don't find it fair to use that as an excuse. 

  I’m not looking for a pity party, or any kind of sympathy as I know I made the choice that I did and had to do what’s best for me and my situation and unfortunately that came at a cost. I’m just simply asking for you to reconsider your decision given the situation and circumstances. I am obviously dealing with a lot emotionally as well as financially and that’s on me and I’m dealing with it the best I can. I have several photographer friends I spoke to about the situation, as well as just everyday humans and the consensus was always the same – shock that someone who works in an industry capturing people’s happiest days could be so heartless. It just seems that you would have a little more sympathetic nature to the situation simply as a human. Someone could get engaged tomorrow, and book that date and come to you this week dying to have you. You have 7 more months for that to happen and the fact that you’re dead set on this being the final decision honestly makes me question the professionalism of your business. And to even condescendingly say that you’d give me a credit “when I get married one day” couldn’t have hurt worse. I understand you were trying to offer a “solution” so to speak, but that was the most humiliating thing that I could have read considering the last thing I’m thinking about at the moment is getting married.

 I am truly just asking you to pray about, think about it, whatever your method is of coping with things is, and really consider what happened. I know “contractually” what was said and I get that as anyone would,but sometimes, things go a little deeper and you look at it as a whole and treat as others the way you’d like to be treated. I sent you an email right away, with no response, followed up with a text several days later with no response, and had to email another time before I was even given the respect of a response. At the very least, I would have expected an acknowledgment email when I first emailed you just letting me know you received it and would get back to me. I obviously had to send the same email to several people and the difference in response is truly shocking. It seems to just be a matter of money vs having a heart and doing what you can to help someone.

 ​I don’t expect a response to be honest, but would appreciate if you would at least take the time to read this, and consider what it would mean to me and do for me. I am more than happy to recommend you to anyone I see that may be seeking photographers in the area because I do love your work as you know and would be more than willing to pass on your name, but I just can't let this sit on my hear any longer.​

   Thanks for your time​

,

  Jamie​

 On Fri, Apr 7, 2017 at 11:22 AM, Rob & Wynter <robandwynter@gmail.com> wrote:

Hey Jamie,

 I'm sorry to just now be getting back to you.  And I'm very sorry to hear that you had to call the wedding off.

 Unfortunately, this is where business collides with people that I genuinely want to do what's best for, but because of the way our accounting works, it puts  me in an awkward position.

 In Section 3 of our contract, the agreement states that all funds collected upon cancellation are retained by the photographer and a 25% cancellation penalty is assessed.  Obviously, I am not going to charge you another $1050, but the second payment, which in your contract stated that it was due BY (not ON) April 24, 2017 was voluntarily sent and thus falls under the "all funds collected" section.  And because we pay taxes quarterly, those have been submitted as well.

 Also, we do this because we have other inquiries and in your case (because of the popular date during football season) we turned down two other weddings because of your reservation of the date.  That is why it has taken me a while to respond...I was reaching out to those two brides to see if I could salvage their business. (In which case, I could have justified refunding a portion to you).  Both have booked elsewhere and quite honestly, November wedding clients are few and far between this late in the year.  So, in reality, we have a $2100 deficit on our year as well and will doubtfully recoup the loss of income from Nov 18, which really is the only date anyone has asked about for Nov of this year.

 I know this adds salt to an already open wound, but because of the nature of our business, we don't refund due to things out of our control.  But, what I can do is give you a credit for when you do get married one day.  We can at least apply 50% of the $2100 you have sent ($1050) to a future contract. I know that helps you none right now, but please know I will do what I can to make it as easy on you as possible if you would like to work with us one day. 

 Again, I hate having these conversations and hate what you are dealing with all of this.  Please let me know if you have any further questions.

 Rob

Sent from Rob Ingram's iPhone

On Apr 7, 2017, at 10:15, Jamie Harris <jamie.harris23@gmail.com> wrote:

Hey Rob, wanted to follow up with on this since I never heard back. I paid you an extra $1000 towards my balance but I've regretfully decided to call off my wedding so I believe I should receive that back since it was not due or anything  until sept 18 per your email below. Please let me know what you need from me to get this refunded. 

 Thanks for understanding 

Jamie  Sent from my iPhone

On Apr 1, 2017, at 10:32 PM, Jamie Harris <jamie.harris23@gmail.com> wrote:

Hey rob, random question but I know if something happens we can't get our deposit back but do you refund any other payments made?

 Thanks