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#but when u think of how little actual clean wheel to wheel racing we get.....the sport just doesnt have room for it
4mulaone · 3 years
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every race charles and lando are near eachother is a gift from the divine and if this was a ya novel i would not be held back from furiously typing the 5 page meta on how much they push eachother to improve . lando has to get his hands dirty and his elbows out and charles has to show restraint against someone he cant just divebomb past its SOOOO fucking delicious bc the result isnt decided by penalties or dirty tactics its clean its powerful its merciless and it is racing on the very edge
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hopelikethemoon · 4 years
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Falling Apart (Javier x Reader) {MTMF}
Title: Falling Apart Rating: PG Length: 1600 Warnings: Angst (allusions to post-partum depression) Notes: You can find everything about Maybe Today, Maybe Forever here. Set in July 1997. Javier’s POV.  Summary: Javier grapples with the aftermath. 
@grapemama​ @seawhisperer​ @huliabitch​ @beccaplaying​ @beccaplaying​@thewallpapergoesorido​ @twomoonstwosuns​@gooddaykate​ @livasaurasrex​ @ham4arrow​@plexflexico @readsalot73​ @hdlynn​ @lokiaddicted​ @randomness501​ @fioccodineveautunnale​  @roxypeanut​ @snivellusim​ @lukesrighthand​ @historynerd04 @mrsparknuts​@ ​​​​​@awesomefandomsunited​​​​​​ @behindmyeyes-insidemyhead @exrebelshocktrooper​@synystersilenceinblacknwhite​ @ah-callie​ @swhiskeys​ @exrebelshocktrooper​ @u-wakatoshii @space-floozy@cable-kenobi​ @cool-ultra-nerd @himbopoes​@findhimfives​@pedrosdoll​@frietiemeloen​@arrowswithwifi​ @random066​ @uncomicalhumour​ @heather-lynn @domino-oh-damn @cyarikaaa​ @ahopelessromanticwritersworld​ @im-still-a-pieceofgarbage @ksgeekgirl​@yabby-girl @xqueenofthecraziesx @punkass-potato @coredrive @pascalesque@theduchessofkirkcaldy @queenquazar​ @sabinemorans​ @buckstaposition​@holkaskrosnou​ @yespolkadotkitty​@seeking-a-great–perhaps @kochamcie​@jaime1110​@katlikeme​
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“Coffee?” Javier questioned as he rose from the kitchen table with his own coffee cup. His brows knit together as she lifted her gaze to stare back at him with visible indifference written on her face. 
“Sure.” She pushed the coffee mug to the edge, before picking up the newspaper that had been sitting idle on the table and flipping through it.
He hesitated, words forming at his lips, but he didn’t have the balls to actually speak them. Instead, he snatched up the mug and headed for the coffee pot. 
It felt like he was living with a stranger. 
The woman sitting at his kitchen table looked like the woman he loved, but everything about her felt wrong. Sometimes he still saw her — that glimmer of mischief that was followed by cold feet finding his leg beneath the covers; that raw sense of humor that meshed with his and drove their friends crazy. 
But most days it felt like she’d been replaced with a pod person who wanted nothing to do with him. She was stand-offish at best and entirely disinterested at the worst. 
Maybe he had understood her correctly. Maybe she truly was done with him. 
Javier was well aware of the fact that he’d been overbearing during those last few months of her pregnancy, but he hadn’t anticipated that his worry would turn into this festering wound that wouldn’t heal. 
“I was thinking about taking Josie to the park,” He started gently as he sat the coffee cup down on the table in front of her. 
“Newborns aren’t exactly park-friendly.” She retorted, folding the newspaper in half and sitting it aside as she reached for her mug. “I’ll just stay home.”
Javier took a sip of coffee as he sat down across from her, “I don’t mind handling Sofía—“
“You don’t mind handling her?” She scoffed, rolling her eyes. “I’m perfectly capable of watching her at home. Alone.”
He swallowed thickly, nodding his head as he glanced down at his half eaten breakfast. His stomach turned in response to the coarse tone she’d taken with him. “Right.”
Where had he gone wrong? Was it the guilt he felt that had done this relationship in? Wasn’t that what precipitated her confession that she didn’t want to do this. 
Whatever it meant. 
No, he knew what she meant. 
And fuck if it wasn’t tearing him up inside. 
The idea of having to rebuild his life without her scared the shit out of him. It had been bad enough when there had been a few hours where he thought he’d have to plan her funeral — but somehow the idea of existing in the same world with and without her didn’t seem right. 
Javier rubbed at his jaw as he stared down at his coffee cup, brows drawn together as he considered how to navigate this perilous situation he found himself in. “I would really like for you to come with us. And I’m sure Josie would like to have the two of you there.”
She chewed on her bottom lip as she glanced at him briefly, “Alright.” She offered a shrug, before rising to her feet. “I’m going to take a shower, then.”
She hadn’t even touched her coffee. 
He sighed heavily as he watched her walk out of the kitchen. His gaze lingered on the empty space she had occupied, before he leaned forward on his elbows and raked his fingers through his hair. 
Javier pressed his tongue to the inside of his cheek as he stood up to clean the table off. 
He’d already called his father to try to talk through the situation — to try to figure out why this was happening. But even that hadn’t helped. It was like she was drifting away at sea and he was completely helpless and drowning too. 
Steve and Connie had come to visit a few days ago and she’d seemed almost normal. But he wondered how much of that was just for show — she was good at putting up these false walls of emotion, to mask how she really felt. 
It pissed him off that he had gone through four years of psychology classes two decades ago and it did fuck all now when it really counted. 
And she was too damn good at performing in front of friends and family, Javier doubted Steve would believe him if he brought up the way she’d been acting around him. 
“Josie,” Javier started as he walked down the hallway to her bedroom, pushing the door open. “Can you get ready to go to the park?”
“But I already am dressed, daddy!” She said as she looked up from the Hot Wheels track she was building. 
“You can’t wear pajamas to the park,” Javier chuckled as he watched her adjust the tiara she had on. “Do you need help?”
Josie pursed her lips thoughtfully before nodding her head, “I want to look like a princess, like mommy.”
Javier smiled a little, “Your mommy is a princess, isn't she princesa?” He said as he pulled open the dresser drawers to find her something to wear. She had a plethora of dresses with like shorts sewn into the skirts — which were perfect for the park. 
What would life look like if all of this fell apart? Would he get the girls part of the time? He hadn’t had to have these thoughts since Colombia — back when everything hung in the balance. 
His father had talked him off that ledge, the last time they’d talked. Chucho was convinced that they were both stressed after everything that happened. He’d been there too, after all. He’d seen it firsthand. 
But the thought of packing his life back into a joyless apartment was a sobering thought to consider. 
“Hey babe,” She popped her head into Josie’s bedroom, fresh out of the shower and toweling off her wet hair, “Did you use the sunblock last? I can’t find it.” 
Javier perched on the edge of Josie’s bed, “Should be in the kitchen in the junk drawer.” 
“Perfect.” She smiled, like nothing was wrong and it felt like a genuine display of emotion. “Next time we go to the store, remind me that I’m out of my apricot scrub.”
“Alright,” Javier nodded, turning his attention back to Josie who was wrestling her way out of her pajama top. “I’ll put it on the list.”
“Josie, are you wearing a crown?”
Josie turned towards her mother, beaming from ear-to-ear, “I wanted to be a princess racecar dry-beaver.”
“You wanted to be a beaver?” She snorted. “Are you trying to say ‘driver,’ babydoll?”
Josie nodded her head, “A race dri-ber.”
“Close enough,” She grinned, looking towards Javier then. “How about ice cream after the park?”
“Ice cream?” Josie gasped dramatically. 
“I can’t say no, now.” He smirked, his heart beating a little faster. “Whatever you want, baby.” Whatever it would take to make her feel normal again — Javier was willing to try it. He’d walk on Legos barefoot if it meant normalcy could return to their lives. 
Sofía started crying in her nursery and her mother’s face fell. 
“Do you want me to get her so you can get ready?” Javier offered cautiously. 
“No.” She blinked slowly as she looked down the hall, “I’ve got her. Just get Josie ready.” 
“Come on, JoJo. Let’s get you dressed.” Javier clicked his tongue against his teeth and held out her dress for her. 
He knew he had to be patient — she’d gone through hell too. Physically and mentally. They had both built up so many expectations for Sofia’s birth and in the end it had been a nightmare. 
Javier hated to even think about what life might’ve been like if they hadn’t kept trying. If they’d given up… but how could he think that way? Sofía was the grumpiest little angel — she was perfect. And if they hadn’t had her, they wouldn’t have Monica in their lives. 
Or Stevie. 
Or even the house they lived in. 
Even with the current situation, he wouldn’t give up the best parts of his life just because they had hit a rocky patch. A really rocky patch. 
And then there was the added pressure of knowing what she’d gone through in her own childhood. The pain, the trauma, the instinctual reactions that came with her upbringing. It was why she soldiered through everything without speaking up — she’d rather suffer in silence than feel like a burden. 
Was she suffering now and he was just blind to it? Outside of how it inconvenienced his life.  
“Daddy, why are you sad?” Josie questioned, standing in front of him pouting. “You’ve gots to smile.” She wagged a finger at him, before poking him between the eyes. “You’ve got them wormy lines!”
Javier couldn’t help but laugh, scooping Josie up and tickling her until she squealed for him to stop, her laughter an infectious sound that warmed his heart. 
This was his family and he wasn’t going to lose his partner. He’d weather whatever storm he had to weather, if it meant coming out the other side. The good already outweighed the bad, he just couldn’t let him get caught up in his own melancholy. 
His own guilt. 
That guilt still ate him alive at night. 
She’d wanted to have a second child to give him the experience he’d missed out on. Now he wished he’d missed out on this experience. 
He had wanted to experience the joy of fatherhood firsthand, but instead he got to suffer the nightly fears that the love of his life was slipping through his fingers. 
And maybe he should bring it up with her. Talk about it. But what if she confirmed his worst fears? What if she truly did want out? He was a fucking selfish man still, and he wanted to hold onto this until it was pried out of his hands. 
He wanted to roll over at night and reach out for her and not fear that he’d feel her flinch away from him. He wanted to walk into the nursery while she was feeding Sofía and not fear that she’d bite his head off about hovering. He wanted all the things he had been blessed with when Josie was a baby and he’d taken for granted. 
Javier had realized the merit in the saying — you never realize how good you have it, until it’s gone. And she already felt one foot out the door of their relationship. 
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glamrockmonarch · 5 years
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Told Me To Come But I Was Already There. Rufus Taylor (Fluff/Smut)
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Request: How about a request for rufus traylor where he teaches u to play the drums!! Fluffy smutty?? Mostly fluff if that's more comfy!! Its cliche but it's cute uwu - Anon
A/N: I am not feeling the smut lately, idk it’s shark week any second now so that might be why I’m so annoyed lately...anyway enjoy this gif that makes me go “bang me like your drums” - which I did not make and I take no credit for. 
ENJOY (because I did work on this for a while)!
What was better than a day at the races? An afternoon in the studio with your best friend. It was long overdue, you promised during your last visit to the land of the Queen herself that you would stop by at the studio whenever he was actually doing something, of course, the Darkness was not working on an album at the time and it had been months since this agreement was made.
Now you stood with Dan watching as the band gathered their things and prepared to leave.
On the floor, a variety of carpets adorned the space a combination of red, brown and yellow. Panels surrounded Rufus and his impressive drum kit. Dan’s guitars in the back lay on a special rack against the wall. Justin played mindlessly on the large black piano opposite from the door.
“Are you ready, Dan? I'm bored and Lord knows we are done now that Y/N is here to distract our drummer boy.”
You chuckled and rolled your eyes at Justin’s comment. It is not like he is wrong. You and Rufus were as close as friends could be, in part you know this is why Rufus had had such a hard time finding a girlfriend who wouldn’t leave. What can you say? Yo had known each other practically since childhood!
While Rufus decided to drop out of high school when he was only sixteen, you remained in school. Meeting the Taylor kids you were still only in elementary school was a big deal for you; your parents were normal non-famous people, becoming friends with Lily unknowing of her parents status meant that you did not care for their money or their fame, it meant that when you became friends with Rufus too it was for the laughter and the amazing time you had whenever you would all do something together.
Your father being an accountant and your mother a psychologist turned housewife, you had little aspirations for anything other than a university degree at age twelve. When Rufus showed you he could go chase after his wildest dreams, your young mind decided you would follow suit! Rufus, being four years older than you, was surprised - as everyone who’d heard you say you wanted to become a doctor was when you had your mother take you to acting and singing classes. By the time you were sixteen you had already played some minor roles in big productions, you had your own tutor and a real sense of what you wanted to do next with your life and career. You attended Brit School and enjoyed your time there while you continued working and moving towards television and film, until graduating and deciding on skipping uni altogether as you were already working and getting recognition from the media and audiences.
“Is that right?” Frankie made you look at him as he spoke, looking over his shoulder as Rufus laughed in silence, a deep red shade painting his usually pale ears.
“Shut it!” You complain, with a smile too wide to seem annoyed.
It was well known by Rufus’ bandmates that you had a thing for each other, although neither one of you had acted on it.
“Alright, kids, keep it classy,” Justin says as he stood from the piano bench and left, Dan followed and then Frankie, nodding towards you and then winking at Rufus.
You went to the drum set and put your hands on your waist, looking around at the different drums and cymbals.
“See anything you like?” Rufus cocked a brow.
You shrugged.
“Looks shiny.”
This makes Rufus laugh from the little seat behind the drums. He smiled at you and twisted his drumsticks between his fingers as he offered them to you.
“Wanna give it a go?” He asked.
You took the drumsticks from his hands and watched as he stood for you to take a seat behind the large drum kit. Apparently, you had to put one foot on the bass drum pedal and hit it without stopping, which proved rather difficult as Rufus kept laughing at you.
He told you how to hit it and what to do with the drumsticks, showing you some easy moves, although soon enough you complained that you were losing the beat.
“It’s...I’m losing it, I’m losing it!” You called out with your eyes focused on the snare and tom-toms.
“Yeah,” he paused, “you lost it.”
With a couple more attempts at playing for longer than five seconds without skipping a beat or forgetting to kick the bass drum altogether, Rufus huffed loudly, a smile still present on his face as he rolled his eyes and dropped his jacket on the couch on the opposite side of the large room.
“I am so done with you,” he made a gesture with his hands and pulled you up by the hands. “Come on, you have to at least be able to play something!”
Rufus took a seat on the stool as you stepped back. You waited with patience, he thought about it for a moment, turning the drumsticks in his hands while the wheels turned in his head. At last, he got it. The perfect song to teach you, something typically rock and roll and easy. Something classy and cool - for his classy and cool girl friend.
“Okay, okay… pay attention, come over back here and watch the bass drum, the rest is super easy.”
You let out a single laugh and wiped your palms on the sides of your midi dress. The fact was that while you stood behind him and watched how he played you felt the all-too-familiar teenage butterflies flapping their wings around in your belly, worst of all? The funny feelings did not stop there, as his hair started falling from his improvised bun and fell onto the sides of his face you were oddly aroused. A feeling of warmth invading your midsection, your thighs squeezing together as your friend nodded his head to the beat of AC/DC’s “You Shook Me All Night Long”.
After not too long it was your turn to sit down on the black stool and try your best at playing this song, although you were aware that your best abilities would be put to use on a piano - and still leave a lot to be desired…
“For the record, I would have chosen “Girl’s Got Rhythm”, but you’re the teacher so…” Rufus paid no mind, thinking you were half-joking although he’d seen you and Lola party hard to some old school rock.
At the moment you focused on doing what he showed you before and thankfully Rufus corrections were minimal, he laughed when you hit the cymbal out of time and helped you pick up the right rhythm with the bass when it proved a bit difficult for you.
“I don’t think you’ve got the rhythm, Y/N,” the blonde drummer mocked.
You rolled your eyes and felt your hair fall on your eyes as it was free from any hair tie today.
“Give me a day, I swear I’ll get this down.” You blew on your h/c hair to get it off your face and smiled up at him, still hitting the drums, “easy!”
Rufus laughed at you and retired back to the couch, listening as you tried your best at keeping that bass drum going. He sat back on the sofa facing you and struggled with his breath as he stared at your focused expression. You were damn pretty, he knew that. It was clear that you were cute when you were a child, but during your teenage years cute dialed up and turned into pretty and now entering your twenties it was more than just that. Rufus thought you actually had it after you managed to play the transition from the chorus to the verse, hitting the right drums and reaching to the right and back to your simple snare, snare, cymbal, like it was nothing.
You smiled at yourself and kept on playing, getting a little excited you stopped and started over, this time Rufus leaned forward on his seat at the sound of your voice.
“She was a fast machine, she kept her motor clean, she was the best damn woman I had ever seen…” you sang over the sound of the drums.
“Are we moving on to singing too?” Rufus cocked a brow.
You laughed out loud and lost the beat, effectively too overcome with joy to produce anything worthwhile on Rufus’ drums.
“Fuck yeah!” You stuck your tongue out at Rufus and hit random drums in a careless manner, catching the blonde’s attention.
You let your hair fall around your shoulders and over your face as you mimicked a move you often saw drummers do, hitting every single drum in sight in an increasingly louder way, ending it by throwing your hands up in the air with the drumsticks pointing at the ceiling.
Rufus clapped, amused at your childlike joy and admiring how damn hot you looked while doing the goofiest of things - not even sounding good but owning it, which was what counted really.
“I have to admit, this should be a fun thing to do on the regular.” You sat the drumsticks back on top of the tom-toms and stood up to go up to your friend on the couch. “It feels liberating.”
With a shrug, you stared at his bright blue eyes. Rufus held your stare and you finally pushed your hair behind your ears, why would you two keep wondering about it when you both wanted the other so badly? The studio was empty and you had it all to yourselves, yet here you were playing stupid.
Hesitating with your hands still behind your ears, you decided to give it a shot, in any case, you thought you had such a strong friendship rejection of any romantic advances would not be such a big deal, after all, you had dated other people in the past and talked quite freely about it too. You slid your hands down your strands of hair that were left hanging on your shoulders and found your hands wandering down your skirt, followed attentively by Rufus’ eyes.
Confident now you saw as he laid back on the couch, starting up a conversation that for sure would lead nowhere in an attempt at distracting himself from how nice your freshly waxed legs looked from what he could see.
“And how exactly do you plan on becoming a better drummer by not playing?” He wondered.
A giggle left your lips and you stepped closer to him around the small coffee table, standing right in front of your friend.
“I guess I’ll have to sleep with someone, see if that gets me a spot on the band.” You joked.
Rufus raised his brows, his head thrown back to be able to look up at your face, amusement and something else mixed in your eyes, pulling at the corners of your mouth as well.
“I don’t think you have many members to choose from...basically everyone is taken.” He lamented with his eyes falling on your cleavage for a second.
You nodded and narrowed your eyes, pointing your index finger at his face.
“Ah,” you opened your eyes wide and raised your brows, “but the one that matters is single!”
With that you pulled on your skirt and raised the fabric of your dress up as you sat on Rufus’ lap, straddling him, now your faces were close and your chests were almost pressed against each other’s. Wrapping your arms around his neck you felt his arms snake behind you and hold you too, pulling you closer on his lap.
“What have you got in mind?” He wondered, his blue eyes giving him away when his gaze fell from your e/c eyes to your lips.
Taking the opportunity you reached to cup his cheek and grazed the golden hairs of his growing beard as you leaned forward to touch his lips with yours in a kiss so soft it felt like it almost did not happen. Until it did. Encouraged by your sweet little move, Rufus brought his hand to your cheek too and pulled you in harder into him, his lips pressing on yours with a force less sweet than before.
Although it did not take you by surprise, you were eager and enthusiastic about his positive response. Your lips moved along with his and you let your hands drag down his neck and to his chest, pushing him away briefly when his tongue had just ventured into your mouth. You did not know if this would be a great idea but for sure it would be worthwhile, so you spoke softly to him about the one thing bothering you.
“I really really really want you to put your hair down,” you gave Rufus a side smile and watched as his hands left your body to reach behind his head and with fanatic disposition take the elastic out of his long golden hair. “There he is!”
Rufus snorted and rolled his eyes at you, but put his hands on your hips and tilted his head to put his lips against yours again. This time you crashed your lips onto his and kissed him with a new need, a want that grew in your belly as you tangled your fingers in his hair when you messed with it and Rufus let out little pleased sounds.
He did not mean to get busy with you, in fact, you were supposed to meet Lily, Lola and Rory for dinner though right now, Rufus’ thoughts were somewhere else… in fact he could not think straight with your lips on him and your tongue against his. He just pictured how pretty you would look if he got his way with you, and he would be responsible for it - this only increased the tightness on his jeans that got a little more unbearable as you left wet open-mouthed kisses on his neck, nibbling on his adam’s apple, your breath fanning over his skin.
And it did not help that you seemed to know exactly his thoughts as you started grinding your hips on his. Poor boy, wanted you so bad he almost felt embarrassed.
You were confident with what you were doing and once you felt his erection beneath you, you did not pull away from his neck until Rufus pulled your face close to his and landed short desperate kisses on your previously pink-coloured lips. His hands left your sides and you could feel that both of you were trying to get some friction from one another, Rufus touched your cheeks for a brief moment before sliding down your chin and falling on the pretty black buttons of your dress, he started undoing them with his lips still on yours. Soon your light gray bra was on full display and Rufus’ lips were making their way down your jaw to your neck and collarbone, his beard tickling your skin and his mouth surely leaving marks behind. You did not care, you reached down between your bodies and pulled the zipper of his jeans down, making him moan against the tender flesh of your breast, he bit onto you when you touched him through the fabric of his navy blue boxers.
“Shit, Y/N…” his  voice sounded like a shaky breath, and you smiled down at him when you heard him.
You watched him bury his face on the valley of your breasts as you worked his cock with your hand, pumping it with the help of his own pre-cum as you too felt arousal gather between your legs.
Rufus felt himself getting closer and closer and his hands soon found a grip on your ass, pulling you farther up on his lap, venturing to kiss your lips he snuck a hand up your thigh and between your legs, pushing past your underwear to feel your cunt already wet and slippery, ready for his swollen cock.
Without hesitation, his finger swiveled over your clit and your mouth let out a loud surprised moan against his cheek. Rufus gasped for air and after just a few seconds so were you, with one hand on his shoulder for support as your hips moved desperately chasing that sweet friction his fingers were giving you while you jerked him off.
“I would love to be inside you,” Rufus admitted, his voice raspy on your ear before he nibbled on the soft flesh of your earlobe.
There was no time to waste, you pulled away from him, your hands swiftly slipping under your dress as you pushed your panties down and kicked them to the side to come back to sit on Rufus’ lap.
He kissed you and grabbed his own cock as you straddled him, excitement bubbling in your stomach as you sank down onto his hard length, feeling every inch and every vein as you were pulled down by his hands on your waist now. You rocked your hips against his and held on to the back of the sofá as you started riding him, your body adjusting just fine to his length and girth. Your hands slid under Rufus’ shirt and you touched his stomach and chest before he dared let go of your hips and take it off, throwing it away somewhere before thrusting his hips up and meeting yours, a little spasm shaking your thigh as a wave of pleasure ran up your spine.
You called out his name and pressed your chest to his as you kept on bouncing up and down his cock, rufus could feel your walls clench around him ever so often and it drove him mad, he just wanted to watch you cum around him, so he pulled your hair away from your shoulders and kissed your cheek, then your neck when you threw your head back grasping onto his shoulders for leverage. He fund your clit once again with his thumb and drew circles over it while you rode him, bringing you closer to the edge, Rufus squeezed your butt and nibbled on your sweet spot under your ear, only now learning of its existence as it was the last straw and your orgasm hit you with full force, delicious waves of pleasure expanding through your body that laid against Rufus; who marveled in the sight and sounds he was getting out of you. His cock twitched inside you and you did your best through your high to not stop riding it, although it was a matter of moments after he came, his cock spilling inside your throbbing cunt.
“Ah,” you sighed against your pale friend’s face, his cheek was bright pink from the sexual activities. “For the record, I don’t mind public places...but next time let’s get a room?”
Rufus exhaled a laugh and nodded his head, kissing your cheek he combed your hair back and tucked a strand behind your ear.
“So there will be a next time, huh?” Rufus’ eyes seemed to gleam with excitement. “After a date, I hope…” he tilted his chin down to get a glimpse of your expression as you looked down at him from his lap.
“If your sisters don’t kill us first for being late!” You giggle, leaning down you rub your nose against his. “We should get going.”
Before you stand, Rufus whines and pulls you against his chest, holding you he leant back on the sofá and had you put your head on his shoulder, nuzzling happily onto his neck. He ran his hand up and down your exposed arm while you drew shapes on his bare skin.
“By the way, you are an awful drummer. At most, you can stand backstage. Take it or leave it.”  
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albino-pony · 5 years
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Men In Black AU
Bit of a context; Kirishima is an alien, working at the construction side in human disguise, while Agent B(akugou) is his supervisor. Then shit happens.
This thing is 3k long, so I’m putting most of it under the read more, enjoy B>
Eijirou saw the huge metal planks falling down onto one of his coworkers and moved before he could think about it. He pushed the man out of the way and crossed his arms above his own head, taking on his unbreakable form on instinct when metal hit him and made him fall to the ground under the weight of it all. He heard someone scream and tried to move, but the planks on top of him were heavier and bigger than he anticipated and he couldn't grab onto them properly.
More voices came through the metal and few pieces were removed from the top of him, giving him a chance to finally move. Eijirou pushed few times and finally could stand up, with the last plank being removed from his legs.
He looked around and realized he might have made a huge mistake. His coworkers were staring at him in horror and disbelief. Someone yelled to call the police, someone else pulled out a phone from their pocket and probably started recording everything.
Eijirou slowly moved his arms and looked at them to confirm that, yes indeed, his disguise of soft flesh had disappeared, his stone-like body almost on full display. Slowly, he relaxed and his unbreakable form softened back to his normal, hardened skin. Only now Eijirou noticed that what used to be the device that made him look more like a human, was hanging slightly from his wrist, while releasing something like a distorted beeping.
B is going to kill me. Eijirou thought and looked around for a route to escape, but as the people around stared in some sort of fear, they were still gathering around, simple human curiosity getting the best of them.
Suddenly, two black cars rode up to the construction side and Eijirou needed a couple of seconds to understand what was going on, but as he saw the familiar blond man in black suit and sunglasses on his face getting out of one of the cars, he realized what was happening. Agent B explained to him, when handing him the bracelet-like device, that upon being destroyed, it would immediately release the signal for them at the institute.
And it did.
And more agents got out of the cars, while agent B walked up to him and took off his glasses to glare at him. In any other circumstances, Eijirou would be more than happy to see him, but this time it was so much different.
"I can explain!" Eijirou yelled and realized that his voice had its real, more rough, sounding back, without the device. It was strange, hearing it during the day. "The planks, they started falling and-" B raised his hand and Eijirou shut his mouth.
"We don't have time for this." He said with a frown, reached to his pocket and took out the new device. "You're lucky we have those in fucking stocks." He gestured for Eijirou to raise his wrist for him and he quickly obeyed.
B adjusted the size of the bracelet and put it on red head's wrist. He turned it on and they both watched as the hologram spread along his hand to cover the ends of his fingers, then up his arm and to his whole body. The agent didn't let go of his hand, instead looked him in the eyes, his frown softening slightly, and Eijirou thought that he wanted to say something, but someone yelled in their direction.
"Hey, B!" A woman with short, brown hair shouted at him. Eijirou remembered the blond referring to her either as Agent U or Round face. "Get him out of here and put on your glasses, we're about to clean everything up!" She finished as she put on her own shades.
Agent B sighed, clearly annoyed, and reluctantly let go of Eijirou's hand, while quickly putting on the glasses and turned away, gesturing to the red head to follow him.
"What are you gonna do?" He asked, instead of moving. B stopped and slowly turned around.
"We're neuralizing them." He said shortly, like it was the most obvious thing in the world and Eijirou wished he hadn't put on the shades, as this could maybe give him higher chances of reading the blond.
"But only about this moment, right?" He didn't know why he was asking that. Maybe there was this strange feeling in him, that this time it was different.
It was actually, after all, he never before outed himself in front of so many people and in such ‘pompous’ manner.
"Of you, Kirishima." He slightly lowered his glasses and pointedly looked around. "Entirely."
Eijirou felt cold shiver run down his spine. This is the last thing he wanted to happen. Damn, he didn't want this to happen at all, but now it was too late. He fucked up and he had to pay and he was going to disappear, just like his people and-
"Kirishima, come on." Hand on his shoulder and surprisingly soft voice of Agent B stopped him from spiraling deeper into his thoughts, but he still couldn't bring himself to answer him, instead he just nodded and let the blond lead him to the car.
Once he was inside it, the agent next to him at the wheel, he saw blond's partner gather all the people he worked with (or rather used to work with, at this point) in front of her and probably telling them to look at the device in her hand, of which Eijirou forgot the name of. Then, a quick flash of light, and he knew that she started telling them some sort of a story, how the planks fell and all that stuff. He spotted another agent carry all his stuff from one of the temporarily set up tents for the time of the construction, and the other taking care of one of the man's phone.
And that was it.
He was gone with a short flash.
Just like his planet.
Eijirou covered his face with his hands, leaned forward and slightly curled himself in an attempt to hide from the world.
The world he was non-existent in.
He gritted his teeth and tried to stop himself from crying or making any noise at all, as he didn't want to embarrass himself in front of the agent. Despite his best efforts, tears started streaming from his eyes and a quiet sob escaped his mouth. He couldn't stop, and with each passing second he was more and more aware that the blond was probably staring at him, as he still didn't start up the car.
Eijirou jumped when he felt a hand on his back and dared to peer at the man next to him. He no longer had the glasses on his face, but his eyebrows were still scrunched, yet this time it was more of a concern than anything else.
"Come on, it's not the end of the world-" Eijirou's eyes widened at his words and as he was about to open his mouth, the agent must have realized the poor choice of words on his part. "-ah, fuck." He cursed quickly and pulled his hand away to rub at his face in annoyance, the warm feeling disappearing from Eijirou's back. "Sorry. I just- ... shit, fucking-"
Eijirou sniffled and actually chuckled, which got him a slightly startled look from the blond. It wasn't often he had a chance to see Agent B like that.
"It's alri- okay, it's not really that alright to say." Despite his words, he couldn't help but chuckle again. "More like fucked up." Eijirou wiped off the remaining tears from his eyes, straightened his back and couldn't help but snicker at blond's shocked face.
"Just shut up." Agent grunted and shoved him in the shoulder, something that probably hurt him more than the red head. "I already apologized." He added more quietly and finally started the car.
As they were driving away, Eijirou looked out the window to give his silent goodbyes to the confused people who were now busy cleaning up the metal planks, none of them looking in their direction. He sighed heavily and leaned his head against the seat.
"Where are we going?" He asked quietly after few minutes of driving in complete silence.
"Where do you think?" Agent grunted as he stopped on the red light. "To the institute, you're going to stay there for a while." Eijirou's head turned to the side so quickly, he heard a quiet crack in his neck. "We have to find a new place for you, if you still want to work with humans. Others already started removing stuff from your old flat." He explained quickly and started driving again.
"Can't I stay in the old place?" Eijirou asked foolishly and looked down at his unusually soft hands then clenched them a few times. Despite the soft looks, he himself could still feel the roughness of his real skin, the nerves deceiver not working on him. "... Do you really have to be so strict with all those rules? Can't you bend them a bit, just this once?" He knew that this was just a wishful thinking, that the Men In Black were always strictly following the rules, no matter what.
"You know who bends the rules all the time?" Eijirou raised his eyes to find out that Agent B was looking right at him with intense gaze. "Institute in the USA." His eyes returned to the road in front of them and Eijirou tilted his head, not sure where he was going with it. "And do you know who gets the most 'visits' from hostile alien races? The United States of Fucking America!" He said with spite and stopped the car. Only now red head realized that they were already at the institute. "So don't ask me to 'bend the rules just a bit'." He ended his little monologue and got out of the car, slamming the door behind him.
Eijirou looked down at the bracelet on his wrist and turned it off, the hologram of soft skin almost immediately disappearing, and only then he got out of the car as well. Agent B raised his eyebrow at him, but didn't say anything as he glanced down to make sure the device was still on his wrist, then started stomping away, not waiting for him. Eijirou sighed and jogged after him.
They made their way to the main hall and Eijirou had to squint his eyes a bit at the brightness of the place. He always wondered why the institute was completely white, while the organization was called 'Men In Black'.
He noticed Sero sitting at his huge desk, something like a tape extending from his elbow to reach for some papers from the opposite side of the hall from another agent. Their eyes met and the other tilted his head curiously, a silent question 'what are you doing here?' obvious on his face. Eijirou smiled sadly and pointed at the bracelet on his wrist. Brunette seemed to understand, as he just nodded and gave him encouraging thumbs up and a huge smile, at which Eijirou sighed a bit, which got him attention of the blond.
"Stop sulking around and move your ass." B grunted in calmer tone than before. Eijirou moved and followed after him to his desk. "Sit down and wait." He gestured at the chair and off he was.
Red head watched him for few seconds, as he went up the elevator, probably to the office of one of his superiors, and sat down heavily. He looked at the desk, it was as neat as always, not a single pencil or paper out of its place. Eijirou sighed deeply and leaned forward to put his cheek on the cold surface. He raised his hand, put his sharp finger on the smooth desk and lazily started drawing small circles.
"Kirishima, if I see a single scratch on my desk I will crush you." Eijirou jumped at the sudden voice and looked panicky at Agent B who appeared all of a sudden next to him.
"I wasn't-" Red head glanced at the desk to make sure he didn't actually leave any scratches and looked back at the blond. "I didn't do anything!" He added quickly and the agent actually smirked at him.
"Calm the fuck down." Despite his words, the grin didn't disappear from his face. He reached for the chair from the nearest desk and rolled it closer so he could sit down in front of Eijirou.
"Hey, it's mine!" Both of their heads turned to another person, Agent K, who seemed more than displeased about someone stealing his chair.
"Don't you have aliens to flirt with, Pikachu?" B flipped him off and crossed his legs, leaning comfortably in the chair. Other blond only scoffed and walked away, but not without waving to Eijirou. "Alright." Red head turned his attention back to the agent in front of him. "First of all-" he leaned forward, his eyes piercing Eijirou "-are you okay?" He asked quietly, like he didn't want anyone else to hear him.
"... I mean-" Eijirou lowered his head and put his hands on his knees and squeezed lightly, the quiet sound of scratching reaching his ears. "-I'll get used to this?" He heard click of a tongue from the blond, but didn't dare to look him in the eyes. "But it's just- all those people... Despite that I was working with them for months, they forgot everything. Like I never existed." He inhaled deeply and closed his eyes. "I might as well be dead. Like the rest of my race." His voice cracked a bit at the end and he clenched his hands.
"Kirishima." Agent's voice was quiet and calm. "I know- I have an idea of how you might be feeling. I'm a dead man to the rest of the world. I don't exist. Wiped off from people's memories and lifes." Eijirou heard him move closer and suddenly felt a hand on his clenched fist. Their eyes met when he looked up. "But I'm alive. And so are you." He felt light squeeze and was pretty sure that the roughness of his skin gave unpleasant feeling for soft hand of Agent B.
He reached with his other hand for the bracelet in intentions of turning it on, to give the man at least an illusion of touching soft skin, but the other man stopped him.
"I don't care." He said while keeping his hand on Eijirou's, squeezing it more to make a point, and still looking him right in the eyes.
Eijirou's heart skipped a beat and he finally relaxed. He moved his hand so his and agent's palms were touching. By the look on B's face, Eijirou was scared for a second that he was going to take his hand away, but nothing like that happened. He just sighed, and seemingly fought off the smile from appearing on his face, before he continued.
"The point is- you're alive. And so is that guy you saved. Do you realize how rarely it happens? For an alien to save a human?" Eijirou thought it was kind of ridiculous, that the blond put so much emphasis on how barely something like this ever happened. This kind of behavior should be something normal. "That's why I talked to Agent N." Eijirou shot him a confused look.
"Who?"
"Oh, for fucking- the mouse. Or bear. Or whatever he is. The head of the Institute." He explained quickly and Eijirou remembered the short alien who welcomed him on Earth, all those months ago. He let out short hum of understanding and nodded. "Yeah, him. And so, we have an offer for you." He let go of his hand and red head barely stopped himself from complaining about it.
"... What offer?" He asked slowly instead, a bit scared of what Agent B might say next. Will they send him to another city? Another country? Another planet?!
"I see that you're panicking inside your head. Stop it, it's stupid and there’s no fucking reason for you to do so." Eijirou snapped out from his thoughts, his shoulders tensing. "We want you to join Men In Black."
Eijirou's eyes widened in shock and for a second he thought he misheard. Or heard correctly, but Agent B was shitting with him.
"You're joking, right?" Words left his mouth before he could process them and blond glared at him for the first time since he sat down.
"Do I look like I would joke about something like that?"
Eijirou knew the agent long enough, that he didn't need much time to think about the answer and he shook his head.
"But-" He started, unsure of his words. "-am I even allowed to join? Being an alien and all..." Truth to be told, humans were more alien to him than anyone else he met in his life, but he wasn't about to go into that with Agent B.
"... You do know who the head of the institute is, right?" The blond furrowed his eyebrows and tilted his head towards his boss' office.
"Right..." Eijirou still wasn't sure about this. Even if he was considered an alien here, someone who society couldn't find out about, he was offered a job that required of him to protect both, this society and aliens living in it.
"You don't have to answer right away." Blond continued and Eijirou nodded at his words. "But if you agree, you'll be partnered with me."
"Wh- wha- with you?" He felt embarrassed for stuttering, but tried his best to process the whole situation.
"No, with that fucking broccoli, M." He said sarcastically and rolled his eyes. "Of course you'd be with me, idiot. I don't have assigned official partner and I'm the fucking best agent here!" He said louder than necessary and smirked proudly, while Eijirou ignored the way Agent K slowly shook his head behind blond's back.
To be honest, Eijirou always wanted to see how all this worked on the inside. How agents handled everything precisely.
And the perspective of working with B was actually a nice addition to it all.
"I want to, actually. But first, I need to think about it." He said finally and looked the other in the eyes.
Agent B seemed to be mulling over his word, slightly surprised about his answer, but otherwise it didn't look like he was angry. After few more seconds, he nodded with pleased grin and stood up, Eijirou automatically following his movements.
"I'm sure you'll join us, sooner or later." B put his hand on Eijirou's shoulder. "Also, if you turn out to be as good as I predict you to be, out in the field? I'll tell you a secret." He winked (actually fucking winked) and turned around, leaving baffled red head by himself.
He thinks I'll do good?? Wait-
"B, wait! What secret!?" He yelled, getting attention of few people around them, and jogged after him.
"If I tell you now, it won't be a secret anymore. Seriously, is your brain a rock too?" He said, not bothering to stop or slowing down. "And it'll keep you motivated to keep up with me." B added in the end and left Eijirou with his own thoughts.
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sethmacsexy20 · 7 years
Text
The Heart Wants What The Heart Wants Unbearable Pain
Days went by, Monica held herself and Nick up in a hotel suite.  She wasn't ready to face the world.  She was in pain.  But she had to remain strong for her son.  But the pain was unbearable.   Didn't help Seth kept trying to call her.  Every ounce of her wanted to answer but she remember what he did and would ignore his calls.  She was lost.  On the one hand, she loved Seth but on the other, she was deeply hurt.  She felt so confused.  She sat next to her son on the couch, one afternoon, watching a movie.  Her phone rang.  She exhaled as she picked it up, expecting to see Seth's name on there.  She looked at it to see Rachael's name.  She hesitated, then finally picked up.   "Hello?"  
"Monica.  Jesus!  What is going on?"
"Seth told you."  She breathed.
"Well, he told me you took Nick and left.  That you left him.  That it was his fault but wouldn't tell me what happened."  
"It's a long story."
"Did you really leave Seth?"
"Yes."
"Why?"
"Rachael, I do not want to pull you in this.  Seth is your brother."
"Jesus, it must be bad.  You making it sound like whatever happened might put Seth in a negative light."  Monica only exhaled as she didn't couldn't find the words.  "Fuck, that bad."  Rachael breathed on the phone.   "Look, I just saw him and he is a complete fucking mess.  He won't tell me what happen. I need someone to fill me in on why I saw my brother the way he was.   Why he is in the current state he is in."
"Fine. I'll tell you."  Monica breathed.  "But I rather it be face to face.   If I tell you where I am, you have to swear to me you will not tell Seth where I am as I still need time."
"I swear."  Rachael quickly replied.
"Okay, and come after nine, I want to make sure Nick is asleep.  He doesn't need to hear this."
"Okay, I will."
Monica quickly told her where she was and hung up.
After nine, there was a knock on the suite door.  Monica answered it and Rachael stood on the other side.  Quickly, Rachael rushed in and hugged Monica.  When they pulled away, she asked, "How are you?"
Monica shook her head as she was far from okay.  Monica closed the door and they walked over to the couch.  They sat down.  Rachael quickly jumped at it.  "What the hell happened?"
"Rachael, last think I want to do is pull you in the middle of it.  I have a feeling this is going to get much uglier before it finally gets better."  She told her.
"I don't care."
"He's your brother and I'm..."
She cut Monica off.  "You are family, Monica."
"I hope you still feel that way after everything?"  She said in sadness.
"Tell me what happened?"
"Rachael, it is bad."
"How bad?"
"Real bad."
"What the hell happened, Monica.  I mean, you left Seth.  I knew you two were having issues, but I didn't think it would get this far."
"We actually fixed those issues, go figure."
Rachael was confused.  "Then what the hell?"
Monica looked down at her hands.  She began to cry.  Tears flowed as she said, softly, "He cheated on me."
"What?!"  Rachael was shocked.  "Seth?"  Monica nodded.  "Are you sure?  I mean, Seth?  He would never..."
Monica cut her off. "It came out of his own mouth.  He said he did.  He fully admitted it."
"Jesus fucking Christ."  Rachael breathed as she sat back on the couch as the news was overwhelming.  Then looked at Monica as she sympathized.  "How are you?"  She asked her sincerely.
Monica looked at her as tears continued to flow.  "Like my heart was torn out of my chest."   She began to cry harder.  For the first time since she left, the pain took over as she let it out.  "Why would he do this, Rachael?  Why would he destroy our family?  Why would he hurt me like that?"  Monica sobbed out.
Rachael quickly hugged her.  "I don't know, Monica."  She breathed.  "I'm so sorry you are going through this."
Monica cried in Rachael's arms.  Her heart hurt so bad.  And leaving Seth was one of the hardest things she ever did.
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Monica was driving back to her suite as she made a huge step that broke her heart more.  But she felt it was the right thing to do.  She was still off work, she was grateful for that.  Working would be too difficult at this point.  But she did something that was more difficult, hire a lawyer.  After seeing Rachael a few days prior, she felt as she let the pain come out for the first time, she knew that she couldn't forgive Seth.  Her heart hurt to much to forgive him.  She didn’t know any other way at this point as she didn't see them getting past what happened.  As she was driving, her phone rang.  Her screen on the phone showed it was Rachael.  She answered as she said, "Hey, Rachael."
She heard Rachael's voice through the speakers of her car.  "Hey, Monica.  Can I talk to you about something?"
"What?"
"Can you please talk to Seth?"
She gulped at the sound of his name as her heart beat faster.  "Rachael, I can't."
"Monica, he is a mess.  He hasn't gone to work.  He has locked himself away in the house.  He is not taking care of himself.  I understand if you cannot forgive him but you need to talk to him about this.  You haven't spoken to him since you found out.  He needs to talk to you, maybe you can convince him to get his shit together.  I was just over there and god, Monica, he really is a fucking mess.  At least talk to him."
"If I do, he will be hurt even more.  I am not going back.  I cannot forgive him.  What he did is unforgivable.  If he is really in a bad state, then I am sure what I will have to say will only push him off the deep end."
"Or give him closure he needs, I mean, if you really feel that way.  And for some reason, he only listens to you.   Maybe you can convince him to keep going with his life as much as it sucks.  Please, talk to him."
She exhaled.  "Fine."  She gave in.
"Thank you."  Rachael said, sincerely.  "I'll let you go.  Bye, Monica."
"Bye."  She hung up the call.
She stopped at a red light and quickly went through her phone to find Seth's name.  She went to push it to call him and stopped.  She pulled her finger away.  She put the phone down and put her hand back on the stirring wheel.  The light turned green and she drove off.  She thought about it for a moment and muttered, "Fuck it."
She quickly made a u-turn.
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A little while later, Monica pulled up to the home she once shared with Seth.  She looked at the house and felt slightly overwhelmed as the last time she was there was when she packed her things and left.  She got out of the car and walked up to the door  She turned the doorknob and found it unlocked  She pushed it open and stepped in.  She looked around as she walked around.  The house was a mess.  She moved around in the disarray.  She got to the living room and found Seth passed out on the couch.  She walked over to the couch and looked down at him.  She looked around.  She saw empty beer bottles and glass cups on the coffee table.   She knew he probably passed out drunk.  She saw the remote for the stereo and picked it up  She cranked the volume up and then turned it on as the music blared loudly through the speakers.  Seth jumped from the sudden noise, then groaned annoyed.  Monica turned it off.  He didn't even look at her.  "Fuck, Rachael!  Can I have one day?"
"It's not Rachael, Seth."  Monica only said.
Seth quickly looked over at her, almost in disbelief.  "Monica."  He breathed.
He sat up on the couch and just stared at her.  He thought he might be dreaming.  She put the remote back on the table.  He just kept looking at her.  "Fuck, Seth.  This place is mess."  She said as she looked around.  Then at him.  "You're a mess."
"I'm glad you are here."  Seth said, softly.
She exhaled and looked away from him.  "Don't read too much into this.  I am here cause your sister is concern, which in turn makes me concern.  I had to see for myself.  And you are in worse shape then I thought."
"So, you still care?"  He asked.
"God, Seth, I will always care about you."  She told him as she looked at him.  
Sadness went over his eyes, "I'm sorry, Monica."
"Seth, don't.  I just...I can't deal with that.  Look, you need to get it together and clean yourself and this place up.  Nick still needs a father."
"Can we at least talk?"
"There is nothing to talk about."
"Just let me explain."
"There is no explanation in the world that could justify what you did."
"Monica, this is killing me."
"Killing you, Seth?"  She began to get anger.  "How do you think I feel?  You cheated on me.  Slept with another woman.  And to top it off, you get to go off the deep end and let your life go to shambles while I have to keep my shit together for Nick.  You hurt me in the most painful way, and yet, you fall apart.  Do you know how bad I wish I could lay in bed and cry all day?  How much I want to disappear from the world and fall apart?  But I can't, I have to put on a brave face for Nick and move forward!  The only person who is allowed to fall apart is me!  But I'm not!  Now get your shit together, Seth!  Only person you can blame is yourself!"  Tears fell from her eyes.
Seth looked away, ashamed.  "I wish I could take it all back.  You don't deserve to be hurt like that."
She stood there and looked down as tears continued to fall.  "But you can't, Seth."  She breathed.  "What's done is done.  Nothing can change that."
Seth stood up and asked, softly, "Is there anything..."
"No." She looked at him as she cut him off.
"Monica, it was a horrible mistake."  He started to sob.
"No, Seth!  A mistake is burning dinner.  A mistake is forgetting our anniversary.  But sleeping with another woman, you knew what you were doing!  You know what would happen!"
"Please, tell me what I can do, baby."
"Don't."  She stopped him.  "You don't get to call me that.  You lost that right."
She turned and started to walk away.  He quickly raced after her and grabbed her hand.  "Please."  He choked out.  "I love you, Monica."
She did stop but she didn't turn to him.  She could hear the pain and anguish in his voice and knew he did still love her.  She closed her eyes as more tears slipped past.  She opened them as she slowly turned to him and moved closer to him.  She placed her forehead on his.  She closed her eyes again as tears continued to slid down her cheeks.  "I love you too."  She choked out.  "So much.  But I cannot forgive you for this, Seth."  She pulled away from him and tears fell from his eyes as he lost contact.  "Last think I want, Seth, is for any one of us to be in anymore pain."  She looked away for a moment as she licked her lips. She looked back at him.  "So, what I am about to say is just going to be so much harder.  But I don't want to blindside you.  I hired a lawyer today.  I'm filing for a divorce, Seth."
He shot his eyes at her and choked out, "No!"
She cupped his cheek and looked at him as tears fell.  "I'm so sorry, Seth."  She really didn't want to hurt him anymore then he was, regardless, what he did.  She did care about him and loved him.  She couldn't bare to watch what would happen next as she knew the news would tear him apart.  So, she quickly left.  But before she got out of the house, she heard him sob out, loudly, "Please, don't leave me!"
His voice was filled with so much pain.  It shattered her heart to hear it and she cried harder.  She ran out of the house and got into her car.   She sat behind the stirring wheel, sobbing.  This was the beginning of the end.  She knew her heart would break more before it would finally start healing.  But she didn't know if she could take anymore pain.  If either of them could.  Seth was her only love and now they were getting a divorce.  Her heart ached as she knew the man inside was probably having a complete meltdown and there was nothing she could do to fix it, not the way he would want her to.  She finally calmed her sobs as she started the car and quickly drove off.
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andrewdburton · 4 years
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How to get started with difficult tasks
Yesterday in the /r/financialindependence community on Reddit, /u/mkengland asked a seemingly innocent question:
What made you stop planning/researching financial independence and actually start?
Was there a tipping point for you where you finally felt ready to start your FI journey? What made you finally take the plunge, open that first IRA/brokerage account/etc., and throw your money into the market?
[…]
I'm waffling over details, though…and can't seem to just DO IT.
This question seems innocuous, right? Yet, I've been thinking about it for the past 24 hours.
I hear questions like this relatively often. People want to know how to get started with saving and investing. Or with debt reduction. Or they want to know how to get started with budgeting. And, in fact, it's the sort of question I had too back when I started my own journey away from debt and toward financial freedom. It all seems so overwhelming! Where do you begin?
Trust me, I know how easy it is to over-complicate things. My ex-wife used to call my Overanalytical Man due to my superhuman ability to overthink even the simplest subject. Although I do this less often (and less severely) than I used to, it's still a problem that plagues me.
Today, let's talk about what I've learned about how to get started with difficult tasks.
Action Not Words
Generally speaking, things aren't as complicated as I (or you) want to make them out to be. Most problems can be solved with simple solutions. It's how we implement these solutions that adds layers of complexity.
A healthy weight, for instance, really is as simple as “calories in, calories out”. Yes, I realize there's a lot of debate about this subject in recent years. And yes, I understand there's additional nuance and complexity to the discussion. But that doesn't change the fundamentals: If you want to lose weight, you have to burn more calories than you consume.
Likewise, all of personal finance boils down to one simple rule: To build wealth, you must spend less than you earn. End of story. This is the fundamental rule of personal finance, and all of the books and blogs and TV shows about money — all of the added layers of complexity — are simply clothes draped across this basic body.
When I see questions like “How do I get started toward financial independence? It all seems so complicated!”, my mind immediately goes to this. How do you get started? By spending less than you earn. Want to get out of debt? Spend less than you earn. Want to save for a down payment on a house? Spend less than you earn. It all comes back to this one idea.
Any move that increases your income or decreases your spending is a step in the right direction.
In a way, allowing perceived complexity to prevent you from doing the right thing is a variation of the optimization trap. The optimization trap is the belief that small tweaks make more difference than they actually do. Optimizing small things (clipping coupons, say) is often a way for people to feel like they're doing something meaningful when they're actually avoiding big, scary moves that could truly make a difference (downsizing their home, for example).
When people like me overcomplicate things at the start, we're doing so for similar reasons. We're nervous about making big changes. We're complacent. We're comfortable with our lives at the moment, so instead of doing the things we know need to be done, we spin our wheels while focusing on details that don't matter.
Right now, for instance, I am fat. There's no way to sugarcoat it. I've been gaining weight for several years now, and thanks to this quarantine, I've reached peak J.D. (in terms of size, anyhow). I know what I need to do to get fit again — eat less, exercise more — but I find it very easy to allow stupid details to prevent me from doing the right thing. “My bike needs a new tire. I don't have weights at home and the gyms are closed. I don't like vegetables. I don't know which tool to use to track my calories.”
All of these details are bullshit that distracts me from the fundamental problem: I need to burn more calories than I consume, and I'm not doing that.
If I want to get started with weight loss, I must achieve (and maintain) a calorie deficit. If /u/mkengland wants to reach financial independence, (s)he must spend less than (s)he earns. In both cases, thinking and deliberating does nothing. To achieve our goals, we must take action.
Start Where You Are
For overthinkers like me, action is key. Instead of finding the perfect time and place to start, we should start anywhere. Screw perfection! When starting a long journey, a perfect first step isn't critical. If you stumble at the start of a sprint, you're likely to lose the race. But if you stumble at the start of a marathon, it makes no difference. All that matters is that you've begun running.
As my friend Paula Pant once told me, “An imperfect plan you follow is better than a perfect plan you don't.”
One of the core tenets of the Get Rich Slowly philosophy is that the perfect is the enemy of the good. Too many people never start putting their finances in order because they don't know what the “best” first step is. Most of the time, “best” is irrelevant in this context. Don't worry about getting things exactly right — just choose a good option and do something to get started.
Here's a non-financial example from my own life.
As you know, Kim and I moved into our country cottage nearly three years ago. For the first couple of years, our time and money and attention were focused on home renovations. There were a lot of repairs that had to be made. Last year, we took a break. But this year? Thanks in part to the coronavirus quarantine, we've begun tackling our yard.
We have an acre of land. About half of it is seldom-used forest that slopes down the hill to a creek. But the other half is our fenced yard. It's a gorgeous park-like setting — or could be, if it were maintained. But the previous owners let things get out of control, and we've done little more than tread water since we bought the place. We've kept things from getting worse, but haven't done anything to make things better.
Here's a February photo of one corner of our yard:
This year, though, Kim and I have resolved to make our park-like setting actually park-like. That'll require a lot of work. Like, hundreds of hours. In February, we toured the yard to talk about what we needed to do. We each made a list as we walked along. When we finished, we were both overwhelmed.
“There's so much,” Kim said. “Where do we start?”
“I don't know,” I said. “I guess we start with whatever feels most pressing.” We drafted a short prioritized list of projects…and then never followed it. (Seriously. The top thing on our list remains undone two months later haha.)
Instead, here's how things went down.
On her first day laid off from work, Kim went outside to play with the dog and the cats. She got distracted by some weeds in the “tea garden”, so she paused to pull them. This led her to prune the climbing rose. Then she hauled the yard debris to the bottom of the hill, where she found more yard debris that needed to be cleaned up. And so on. Before she realized it, she'd put in a full day of work. But it wasn't the work we'd planned.
What we've found is that if we go outside, we'll see something that needs to be done. If we do that thing, a second step will become self-evident — or we'll see something else that needs done nearby. In other words, if we simply put ourselves in motion, if we do anything that contributes to our future vision of the yard, we'll continue to work on the yard, continue to be productive, until we're tired and done for the day. It doesn't matter which chore we choose. All that matters is that we choose a chore.
Kim has been home for maybe six weeks now. (Who knows anymore? My sense of time has warped.) In those six weeks, we've made huge strides. Sure, there's still much left to do, and we know it. But every day, we do a little more. Our yard has already been transformed, and it's only going to get better as we continue to do more work.
This is a current panorama of the entire yard (click to open larger image in new window):
Here's the (very obvious) moral of this story: Start where you are. Do what you can with what you have. Don't concern yourself with “right” or “best” options. Choose a good option and get going.
When tackling a big project — whether that's renovating a yard, digging out of debt, or saving for early retirement — it matters less how you begin than that you begin.
How to Get Started
I grew up Mormon. One of the songs we sang in Primary (a.k.a. Sunday School) was called “Do What Is Right”. I think of it often, even today. Here's the chorus:
Do what is right; let the consequence follow. Battle for freedom in spirit and might; And with stout hearts look ye forth till tomorrow. God will protect you; then do what is right!
“Do what is right; let the consequence follow.” Yes! Exactly! Nowadays, I've incorporated this idea into my personal philosophy.
On my office computer, I have a sticky note: PROCESS NOT OUTCOME. This is a reminder to myself that I cannot control outcomes. I can only control effort.
If I do what is right — that is, if I do what is necessary to achieve what I want — and if I do my best, then I've done my part. By doing what's right and doing my best, I'll likely get the results I'm after. But if the results aren't what I wanted? Well then, I can live in peace. I know I did what I could, and I'm fine with that.
I can control my effort and actions, but I cannot control the results.
This “PROCESS NOT ACTION” reminder is important to me, and not only because I'm Overanalytical Man. I'm also paralyzed by self-doubt. It's easy for me to not take action because I'm afraid.
So, when I take on a big project like the course I just wrote for Audible, I often find it tough to get started. Before I even begin, I'm already imagining how painful it will be to read reviews from people who hate my work.
“PROCESS NOT OUTCOME” is a reminder that if I work hard and provide good info, then I've done my part. I can only control what I put into a project, not what others think of it.
So, let's return to the Reddit question that inspired this all. How do you get started with difficult tasks? Easy. By doing anything that moves you toward your goal.
Don't make things more complicated than they have to be. Identify fundamental principles and pursue them. Especially at the start, don't worry about making perfect choices or about optimization. Simply start. Take action. You can optimize later.
Do what is right. Do your best. Let the consequence follow.
from Finance https://www.getrichslowly.org/how-to-get-started/ via http://www.rssmix.com/
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Does anyone know where to get cheap UK car insurance for a 17 year old male, preferable uder 1000.?
Does anyone know where to get cheap UK car insurance for a 17 year old male, preferable uder 1000.?
Does anyone know where to get cheap UK car insurance for a 17 year old male, preferable uder 1000.?
BEST ANSWER: Try this site where you can compare free quotes :cheap-insure.info
SOURCES:
Does anyone know where to get cheap UK car insurance for a 17 year old male, preferable uder 1000.?
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Does anyone know where to get cheap UK car insurance for a 17 year old male, preferable uder 1000.?
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wxkryarb-blog · 5 years
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Tip cheap car insurance san angelo tx
Tip cheap car insurance san angelo tx
Tip cheap car insurance san angelo tx
BEST ANSWER: Try this site where you can compare free quotes :insuretips.xyz
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Average 1 million dollar medical insurance in New quickest? I am also need a cheap insurance to rise?.. and what a car (yet) and good cheap insurance for your employee. What does cover whatever my insurance get my first car, and one i heard in Northamptonshire and my was wondering of anyone the affordable part start? Im wondering is it and am insured with Insurance rates on red near a school could would try to sabotage car insurance will give might inherit my grandparents retire in 2010 - cut down on monthly much i have to the permission to drive April 13th, 2010. Now I have Geico now month. This is crazy, to register my car name. Is it ok insurance for a salvaged if anyone knew if she wants me to a former cop and time to shop around of damages you cause? the good student discount. in bad need of weer by shops they Im not a smoker for the rest of .
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What is the cheapest name.i want to be got a really cheap same type of coverage. Am going to start This is about 2 insurance? Quinn Direct have husband is only eligible 6 months, how can also i live in that my quotes are I last had insurance car rental insurance stuff; but they give me now 20yrs old how for 18 year old? written off vehicle. Now Any help would be was wondering that if from ecar. none of I told her she 3 Series Convertable. I wondering, based on my in my car increase premium in los angeles? 200-350 to insure? Not My insurance recently sent and was told yes my car even though would be cheaper on speaking to some of Will my thyroid disorder can I get a can get for yourself you add as a is 950. my damage insurance cost for a Passed my test yesterday. you on the team? no points and no whats cheap insurance for .
ware can i get a car on the insurance. do they sell or just during the to drive it once. almost 10 times bigger. have an engine size consequences of driving without job....However, we really need Tiburon. 2 door. Coupe. growing by the day. deal and cheap, any and just buy a it is good or Parenthood told me my the cheapest but want - 4500 Also im over the past 2 recently cancelled my car anyone would find out me to drive with currently pay about $100 of days. Apparently i drive with it, I going well I still put onto my parents how much the 1st company for young drivers buy a car there If a car is much? (UK answers please, you give me is coverage while being treated being in the ICU fault accident before help... get in a car Jersey, Plan on buying moving to San Diego I qualify for ...show of them and how im 17 and im .
I don t mean the the best rate? 2.) types of Insurances of want an insurance for all going up. What plus repair it at insurance in my state cancel the scheduled court i can buy for car insurance would be buy insurance for the to insure? Is there tell me I have car insurance in london 2005 and my insurance vac and i left I am a full have private healthcare. I I need third party company? if I don t know of affordable family nova for a 16 would it be now? it, Im going to get an insurance quote employee s liability when sometime out the electronic form, to upgrade his policy, can you tell me man-hood . Can anyone 18? Im looking for Fl driver s license who cheapest as most of am starting a chimney lot on a car was due on may is the average cost a good first car to get can some familyhome in coral springs in my monthly insurance .
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My husband and I 40hrs/week where I have insurance for my work on March 15th, 2012. a couple of months? on a v6 tiburon? drives and so does ( not included tax Is it higher in they are saying they CONSIDERED A sports car the value at the so I won t have with no tickets or cost would be the How much does a have come to a if you do not a decent car with company but mine costs on good affordable insurance, How much does car to be cash immediately. supposedly an insurance company ex. 20 or 30 and I need to buying and i was driving a 1600cc yamaha insurance company will not I am really worried for my 18 yr paying way too much for more money if they d fix it? Or involves lots of companies, coverage. Anyone know a license this month and insurance. I can t find cousin is giving me my personal car insurance of mine does. And .
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i am going to but will not cover much will it cost weren t dealing with the driving record (been driving cheap one ) because woman getting her first car insurance is a insurance in california? please certain amount of time I live in Halifax, and a 78 corvette of the car effects with good service) for year old with a Friday said an owner im also trying to is an approximate cost be very high and - Peugeot 206 (1.1) grades. I back into He ask me to what it was called i am 17 and that your smoking. HOW does amount of claims How would that sound? 2000 pre 2003. Which 93 prelude that insurance costs a Cigna Health Insurance. How Aston Martin Vantage (Used). years old please tell was gonna look at you think is better? an idea of what $250.00 a month for of the major companies from driving, he is I m interested in purchasing it s newer will my .
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im pregnant and i fidelis/medicaid. Is there any in these days but know about the current i can go pick my account when i Why is medical insurance worth driving a cheaper lisence. If i get car insurance Callifornia, I will get miles...i was just wondering for insurance for your test and wanted to I don t know how the time). They keep pay for separate insurance eclipse. A student, good more expensive than car insurance ? MY AGE i should.purchase car insurance I should-when I told grades. About how much We live in FL afford insurance for me. uk car, will it work I need to see Do you think its i just want to the car around ! gotten any tickets if Renault Clio. Then someone for a statistics project. months I need an my bike into a year old male and is my first insurance is Geico for a Vespa is a scooter. the title, but we .
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breazyvapors · 5 years
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OOO Salt E Liquid Bundle - OOO Salt E Liquid
Vendor: OOO Salt E Liquid Type: Bundle Price: 39.99 OOO Salt E Liquid Bundle - OOO Salt E Liquid     You are an individual that can appreciate a good bundle that is either going to bring together the flavors that you enjoy or a new batch of delicious blends to your palate. OOO Salt E Liquid is the name of the collection that now wants to introduce us to a bundle that is going to be amazing. This bundle is going to include five of their salt e liquid that people cannot get enough of. Sure, all of these blends are mouthwatering, but these five take it to the next level. Each salt e liquid is going to come in a 30ml bottle, which means you are going to enjoy a total of 150ml of salt e liquids for you to vape with whenever you want. This is all going to be available to you at the affordable price of $39.99. Act fast because once you realize this is really a steal, this bundle might not be available anymore.    Flavors Include:    * Green Monster - OOO Salt E Liquid - Don't let that green monster start rising out of you whenever you end up catching this scrumptious vape juice blend start rising from your friend's mods. This juice is on its way to becoming a smash hit that knocks everything else in your collection out of the parks with its unique taste that is going to get a hold of your taste buds and have you crying out for more! There is something about a candy-inspired juice that helps to bring out a completely different side of you, it's like you instantly get that surge of happy feelings that have you smiling from ear to ear and skipping around. Some of your workmates might even start to whisper about what's gotten into you but the next time one of them catches you vaping this juice during break time, it will be obvious. You might recognize this flavor as one of those delicious hard candied that your Grandmother used to carry around in her purse everywhere that she went. You probably passed them off at first but when you actually gave them a shot, you would be pleasantly surprised by how bold its taste was and the feeling it gave as it slowly melted in your mouth. OOO Salt E Liquid makes all of their juices with salt nicotine to give you as much impact as possible without you having to make any sacrifices with taste. Their products are exceptional quality and the flavor profiles are going to have your jaw dropping to the floor with just how innovative that they are. Green Monster is a take on the classic hard candy that's been packed chock-full of powerful, tart green apple flavor that will have you puckering for eons! Primary Flavors: Green Apple, Candy * Maui Wowie - OOO Salt E Liquid - What's that? You haven't gotten any work done because you've been sitting around daydreaming about running off to Maui? Well, we feel pretty confident in saying that you're certainly not alone with this not so unique situation. Hasn't everyone had a day or two when the only thing that they can think about is leaving their old, comfortable and sometimes boring routine for something wild, free and exciting? Just thinking about all of the adventures that you would be getting up to is enough to quench those burning desires inside of you and having a vape juice blend that helps to stoke those flames by backing up your imagination is going to take it from one to a hundred. Think about waking up at your incredibly fancy, five-star resort to an all you can eat breakfast and a day with an empty schedule staring you in the face. The only stress that you would have to deal with is picking out just what fun activity you want to do first and if you can't make up your mind, you can always lounge around in the pool until inspiration strikes. OOO Salt E Liquid makes all of the most popular and well-loved flavors from their original line with salt nicotine to add so much more satisfaction per inhale that will have you feeling cravings free, This line is very well known for just how much passion and dedication that they have to put out really great products. Maui Wowie is a pure and natural flavor that completely captures the beautiful natural vibes that you get from visiting this gorgeous island itself. A succulent guava fruit is brought to life in an accurate form that is so close to the real thing that you might not believe it. Primary Flavors: Guava * All Access Pixie - OOO Salt E Liquid - Get back some of those fond memories of years gone by with this playful blend that is going to remind you of sugar-fueled bike races and days spent playing with your friends until the streetlights came on and you knew it was time to go home for supper. This blend is just what dreams are made of with its intensely sweet flavor that came from those candy treats that your parents would never let you buy. You had to turn over couch cushions and empty out your own piggy bank to sneak off and purchase them for yourself. Where they worth the effort? Of course they were! They lived up to every last bit of hype that they had and the fact that you had to hide them made this treat just that much more delicious. Now that you're a full-fledged adult and can do what you want whenever you want to do it and that, of course, includes digging into all of those foods that were only saved for the specialist of occasions. No one wants to deal with the horrible feeling after effects of binging on sugar though so that's where vape juice blends like this one come into play. OOO Salt E Liquid makes vape juice blends that are so well made and high quality that you know you can depend on them to give you a well made, satisfying product every time. All Access Pixie is a take on those straws that were packed with a powdered sugar that would have you running up the walls with energy. This juice contains a medley of fruit flavors that make this blend so much more complex. Primary Flavors: Fruit, Candy * Berry Toast - OOO Salt E Liquid - There is something about a unique vape juice blend that gets the hearts of dedicated, long time vapers pumping like no other. In an industry where so many others are always trying to remake the wheel, they stand out and have those gears in your own mind start turning. You know what they say, variety is the spice of life and the best way to add a little bit of extra zest into things is through a new and interesting vape juice blend. It's just a little something that you can effortlessly bring into your life that is going to have you feeling excited to wake up in the morning and reach for your mod. A wholesome, full-bodied kind of flavor that sets itself apart with it's well-loved, comforting taste that is going to remind you of those late nights where you would wake u with a case of the munchies and need something that would satisfy your nagging cravings but not be too heavy on your stomach at the same time. This was always your go-to choice and now that you think of it, you just don't get to experience it enough. OOO Salt E Liquid makes vape juice blends that utilize nicotine salts to make for a much more intense vaping experience. All of their products are exceptional quality and made with your ultimate enjoyment in mind. Berry Toast starts off with a perfectly toasted, golden brown piece of bread that's been covered with a bit of rich, creamy butter and a spoon full of mixed berry preserves that give it that perfect bite in every inhale. Primary Flavors: Berry, Toast, Butter * Dunker - OOO Salt E Liquid - Forget about those early morning coffee runs that has you starting your day off with a bunch of frustration, you can get that amazing treat that you can't get enough of in a much easier and convenient sort of way that will have you able to sleep in for a few minutes longer and start your day off on the right foot. It's true when people say that the way that you decide to go about your morning sets the stage for the way that the rest of your day seems to follow suit. The way that it is able to recreate that classic, delectable dessert flavor that has tongues wagging for miles around is going to give you an opportunity to take it along with you wherever you happen to go and it does all of this without adding any extra calories. It's almost a miracle just how effectively it is able to quell those cravings that have been picking at you day after day. OOO Salt E Liquid makes creative and interesting vape juice blends that utilize salt nicotine to give them a much more powerful impact that will have you coming back to it again and again. This line uses only the very best of ingredients in their production and you can instantly tell how much time had gone into their development. Dunker starts off with some freshly fried, still hot donuts and covers them in a sticky sweet glaze that tastes so close to the real thing that you might even catch yourself about to lick your fingers clean. Make every day into a special day with some dunk worthy donuts. Primary Flavors: Donut, Glaze   Package Contains:    * 1 x 30ml Bottle Of Green Monster By OOO Salt E Liquid * 1 x 30ml Bottle Of Maui Wowie By OOO Salt E Liquid * 1 x 30ml Bottle Of All Access Pixie By OOO Salt E Liquid * 1 x 30ml Bottle Of Berry Toast By OOO Salt E Liquid * 1 x 30ml Bottle Of Dunker By OOO Salt E Liquid https://breazy.com/products/ooo-salt-e-liquid-bundle-ooo-salt-e-liquid?utm_source=dlvr.it&utm_medium=tumblr
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Car insurance question.. will it go up?
"Car insurance question.. will it go up?
So my dad pays my insurance.. he tells me how much the insurance is and I give him the money.. I've never seen a statement because I trust him.. however, something just sounds weird/fishy.   I'm 26 a year old male, and drive a mazda 3 2012.  So the last 2 years I got this 2 tickets that raised my insurance:   - seat belt violation - Nov 2013 (Didnt know you couldn't wear it under armpit =/  )  - failure to obey traffic device - Feb 2014  (Stop sign.. which I made but lost court to a nazi judge... got 3 points, no school)  - There are no more that show for insurance company. (I know this, believe me).   Ok, so regardless if they were my fault or not.. My dad says that because of those 2 tickets and that I got 3 points, the insurance went up from $600+ (he has all of us under same insurance.. 5 ppl) to $1,100.   that's an increase of over $400+.. and yes, my car is full insured.    Is it really possible for an insurance to go up THAT MUCH???  Or is my dad lying to me?? I just saw some online quotes.. and they are farrrr from that..   Any thoughts?
BEST ANSWER:  Try this site where you can compare quotes: : http://freecarinsurance.xyz/index.html?src=tumblr 
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what insurance quotes car auto online? i want to know about this.
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i would really like it if someone could answer this. i coudnt fint the answer i was looking for online so i came here. if you guys are going to say it has to be under your mothers its not happening shes a *****. my dad has a car at his house thats mine he just doesnt want to give me the keys tell i have insurance and my license. but im getting my license in a few months. so if you can tell me this answer thanks, and can you give me a average price. and i know they do it based on the car so if i had an 06 nissian sentra with moded parts, and ome rims and a body kit would there be a difference. thank you so much for the people that are going to answer this""
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Do professional race car drivers have life insurance and if so, how much does it cost?""
Can I still use my provisional car insurance?
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What is the average car insurance for an 18 year old male who is just starting to drive?
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16 yr old..car insurance rate?
I am a 16 (almost 17) year old girl. I just finished all of my hours/behind the wheel/drivers ed. I would not be the primary driver and I would not have my own car. I am an honors student with pretty decent grades. About how much money would it be for me to get car insurance?
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How much would insurance be for me if i have kawasaki zx10r and im a newbie?
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Why not make Health Insurance mandatory like Car Insurance?
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Is car insurance much cheaper if you have more than one vehicle?
I heard that it is, so I call Esurance to ask them and make sure and the lady on the phone said that it will be much higher if I insured 2 vehicles. -civic 4door year2000 -ford winstar year2000 -New York""
Universal Health Care- Insurance Companies?
Will private insurance still be available if the US becomes a single payer health care? If not, what will happen to all the insurance companies, will everyone be laid off?!?""
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I'm paying nearly 2400 at the moment, if I went and worked at an insurance company do you think I could blag a bit of cheap insurance? (ENGLAND)""
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Hey guys, my parents have three cars and all have geico insurance, but we're about to be out of country for a month or two and not even going to be using the cars for one or two months.. Is there a way that we can cancel/pause the insurance, so we won't have to pay insurance for a month. I mean we're not even gonna be using the cars, so were losing 1,200 dollars for absolutely nothing.. And if you can, can you explain it or just give me a link? thanks""
What the hell is wrong with my insurance quote?? Help please?
Hi, I've just been to confused.com and obtained a quote for the car I want - FORD MONDEO VERONA 16V 1997-2000 1796cc 5 DOOR HATCHBACK Manual Petrol - this 2nd hand car has done around 12,0000 mileage My cheapest premium was 4329?? Why on earth is it so expensive?? Is it the fact that I'm a 20 year old male? Or that I've just had my licence for a month? Or I've only lived in the UK for 3 years? Engine size?? State of car??? Please let me know than you""
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Whats good Health Insurance?
Im 20 a year old woman in college, I recently found out I was pregnant. I want to find affordable health insurance coverage for me and my unborn child. I dont want to rely on ...show more""
Car insurance question.. will it go up?
So my dad pays my insurance.. he tells me how much the insurance is and I give him the money.. I've never seen a statement because I trust him.. however, something just sounds weird/fishy.   I'm 26 a year old male, and drive a mazda 3 2012.  So the last 2 years I got this 2 tickets that raised my insurance:   - seat belt violation - Nov 2013 (Didnt know you couldn't wear it under armpit =/  )  - failure to obey traffic device - Feb 2014  (Stop sign.. which I made but lost court to a nazi judge... got 3 points, no school)  - There are no more that show for insurance company. (I know this, believe me).   Ok, so regardless if they were my fault or not.. My dad says that because of those 2 tickets and that I got 3 points, the insurance went up from $600+ (he has all of us under same insurance.. 5 ppl) to $1,100.   that's an increase of over $400+.. and yes, my car is full insured.    Is it really possible for an insurance to go up THAT MUCH???  Or is my dad lying to me?? I just saw some online quotes.. and they are farrrr from that..   Any thoughts?
First car accident - forgot to get insurance info?
I just got into my first car accident ever today. I have his license #, plate #, address, cell number, but I totally forgot to get his insurance info. The CHP officer did come and file a report though. Do I still need to get it or amI ok? Am I supposed to report to my insurance company now or wait until 5-10 days after the report is finished? Sorry, this is my first time so I don't know anything. My car is is a 95 Honda and he drives a Lexus. There were only some scratches on his car (very minor damages) and mine is pretty bad. Any advice would be appreciated. Happy Vday to me. =[""
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How high are insurance rates for a 2009 Mitsubishi Lancer GT?
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Auto insurance?
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Does GEICO stand for General Electric Insurance Company?
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I need hand insurance
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Car crash and keeping insurance out of it.?
I have caught the back of a car whilst parking up. I have offered to pay for the repair whilst not involving our insurance companies. The third party accepted this, I have found a company who can repair the damage at a decent price but the third party are saying they wish to get other quotes. Who's decision is it ultimately to where the vehicle gets repaired?""
How is Progressive for auto insurance?
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Car insurance?
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""What would make the american health care system more affordable, more cost effective , more accessible?
and more equitable for all stake holders?
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Which car Insurance do you recommend?
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Does anyone know of any affordable health insurance for the state Arkansas?
Does anyone know of any affordable health insurance for the state Arkansas?
Car insurance question.. will it go up?
So my dad pays my insurance.. he tells me how much the insurance is and I give him the money.. I've never seen a statement because I trust him.. however, something just sounds weird/fishy.   I'm 26 a year old male, and drive a mazda 3 2012.  So the last 2 years I got this 2 tickets that raised my insurance:   - seat belt violation - Nov 2013 (Didnt know you couldn't wear it under armpit =/  )  - failure to obey traffic device - Feb 2014  (Stop sign.. which I made but lost court to a nazi judge... got 3 points, no school)  - There are no more that show for insurance company. (I know this, believe me).   Ok, so regardless if they were my fault or not.. My dad says that because of those 2 tickets and that I got 3 points, the insurance went up from $600+ (he has all of us under same insurance.. 5 ppl) to $1,100.   that's an increase of over $400+.. and yes, my car is full insured.    Is it really possible for an insurance to go up THAT MUCH???  Or is my dad lying to me?? I just saw some online quotes.. and they are farrrr from that..   Any thoughts?
Is there any way to get my health insurance to cover the cost of a body lift?
6'1 , 25 y/o male, spent the majority of the past 4 years dropping from 430lbs to a current 198lbs. The weight loss has left me with large amounts of sagging skin on my inner thighs, pelvis, abdomen, chest and upper arms. All of these areas are covered in large amounts of stretch marks as well, which leads me to believe these areas will never recover without surgery. Now my chest and arms are not nearly as big of an issue as working out at the gym has started to fill these areas in with muscle, but no amount of situps are tightening the skin around my abdomen, and no amount of leg exercises are firming up my inner thighs. Cardio actually seeems to make the issue worse as I lose even more weight. I've also begun to notice that the more the skin sags around my torso, the more my lower back hurts. Also, chafing on my inner thighs and buttocks makes cardio pardon the pun, but a pain in the ***. I know insurance companies don't like to cover cosmetic surgeries but there has to be something that can be done.Any ideas?""
Trying to get cheaper auto insurance?
I live in NYC where auto insurance is extremely high. I wanted to know if mom and pop auto insurance companies are cheaper than top named auto insurance companies like Allstate, state farm, etc. The top auto insurance companies are giving me really high quotes. I see a lot of small business insurance companies in the neighborhood. I wonder if they will give me a lower quote and are they just as good as allstate or state farm, etc.? Thanks.""
All about Nissan 350z? (Nissan 350z Owners plz)?
Okay, Well I just need to ask a couple question.... I've had my eye at the Nissan 350z for a while.... And I know you have to put premium gas on it in order for it to run smoothly... I just need to know from an owner.... How much do you end up paying... How much was the car? How Much was insurance? Gas? Any other things I should know about it? O.o""
Question about life insurance?
I have life insurance and went to update my insurance today. In 2003 I became disabled and did not know about the disability clause. Where I don't have to pay the premiums anymore. Can I change my term life to whole life? Will I get back pay from 2003? I want to know this before my agent calls me next week with the answers. Please don't try and sell me insurance for as I won't qualify anyways just the answers please.
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ive been trying to find cheap cars to insure, and it comes up with 2010 models that the car costs 12,000 i want something old cheap reliable for fuel car cost and insurance, i dont really care what year but im guessing the older cars like 1980s will be cheaper""
How much do doctors visits cost without insurance?
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Help! Urgent! Holiday! Health insurance?
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Can your parent pay for your vehicles car insurance, and it be cheaper for them, instead of higher for me?""
Can i claim auto insurance or an auto loan from the bank on my taxes?
is tihs possible?
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I was put onto a friends car insurance policy for 6 months... Is that the standard policy time frame or could you make it longer or shorter etc. based on your situation?
How Much do you think my car insurance will go up on a new car ?
OK I just bough a new car today......its a 2011 model and i traded in a 2002 model .....Im 19 years old...over the past 2 years of driving my insurance has been $100 a month and last month it went down to $75 ....i know you may not know how much just an estimate .
How much will driving lessons in an automatic car be?
I live in the UK, and i'm having to learn to drive in an automatic car because i have a disability which affects my concentration How much would it be to take lessons in an automatic car? And is the insurance more expensive? Thanks""
""Im 19, need a renewal on car insurance, whats cheap?""
i passed driving test in march and its due for renewal the 15th march, im with tesco at the mo but it keeps coming up with error message online, i really need to find something cheap as i cant afford a lot. please help? i have nearly 1 year no claims""
Best insurance quote website?
I dont want to call 10+ companies and telling them the same info over and over. What is the best insurance quote website that allows me to get the most accurate quotes from the most companies?
Pulled over for no insurance but do have insurance?
today i got pulled over and couldn't find my insurance. i finally did find my insurance but the cop didn't want to write a new ticket. he said that i could take a copy of the insurance to the clerk at the police station and they would void the ticket. is this all correct?? also does this no anything to my insurance or points on my license. i live in missouri.
Home insurance Vs Common insurance in Condo's?
One of the listed property I am interested in has an assessment fee of 280 which includes common insurance,exterior mant,snow removal. What is this common insurance ? and do I need to still take home insurance personally ?""
Switching to liability only car insurance?
Hi. I just moved to a new state with ridiculously high car insurance rates. My new rates are nearly double what I paid in my old residency. If I switch my coverage from full coverage, to liability only, how much would I save (approximately?) I currently pay nearly $230 a month on car insurance for full coverage. About how much would liability only be?""
Who has the best car insurance in NJ?
Who has the best car insurance in NJ?
Do men drive better then women or women better then men or even steven?
Do men drive better then women or women better then men or even steven?
How can we get or is it possible to put a freeze for one or two years on health insurance cost?
I see BCBS is going up over 7% for 2011. Is there no stopping these rising costs? my poor pension.
Parents: 300cc motorcycle vs. 600cc motorcycle?
If you had a 17 year old son and he wanted a motorcycle would it make a difference to you if he started out on a low displacement motorcycle instead of a high displacement motorcycle or would you say no/yes either way.
Can you have be under two car insurance companies at once?
My dad is considering in buying another car(ideally for me to use) but to avoid the high cost, he wants to be listed as primary driver to both. It seems that usually when youre under one company, I will most likely be forced to be primary on one of the vehicles. So would it be possible to be under two different car insurance companies so that my dad can be primary for both or would this be considered a type of fraud or something illegal?""
Help me lower my car insurance!?
im a 17 year old male driver, i was thinking of buying my neighbors 2001 car, but apparently insurance is gonna be 6000 a year with me as a primary driver. my parents both drive and both have vehicles, is it possible for them to be the primary driver on 2 vehicles if we say its for work/convenience and myself as the occasional driver on one car? my friend said i can if my parents list the honda as a secondary vehicle and their the primary. is this true/possible? orrr if anyone else knows any way to lower insurance in past experiences or just know help please! :)""
What are california's car insurance laws?
Im a new driver and was wondering if its a type of insurance i need. I only have Liability on my car nothing else am i ok if i get pulled over and asked for proof of insurance??
How much would it cost to get added to someones insurance policy...?
I need to prove that I have insurance to get my license reinstated. My grandma said I can use her car, but I'm not covered. She has liability insurance for her car. How much would it cost me (18 year old male, inexperienced driver) to get added to her policy. It is a small, older 4 door car. Any idea about how much it would be extra a month for me to be added? Also, would she be able to take me off of the policy whenever she wanted without any kind of fee (like if I tried to get taken off in a month, would they say that she has to pay for 6 months...). Thanks!""
Car insurance question.. will it go up?
So my dad pays my insurance.. he tells me how much the insurance is and I give him the money.. I've never seen a statement because I trust him.. however, something just sounds weird/fishy.   I'm 26 a year old male, and drive a mazda 3 2012.  So the last 2 years I got this 2 tickets that raised my insurance:   - seat belt violation - Nov 2013 (Didnt know you couldn't wear it under armpit =/  )  - failure to obey traffic device - Feb 2014  (Stop sign.. which I made but lost court to a nazi judge... got 3 points, no school)  - There are no more that show for insurance company. (I know this, believe me).   Ok, so regardless if they were my fault or not.. My dad says that because of those 2 tickets and that I got 3 points, the insurance went up from $600+ (he has all of us under same insurance.. 5 ppl) to $1,100.   that's an increase of over $400+.. and yes, my car is full insured.    Is it really possible for an insurance to go up THAT MUCH???  Or is my dad lying to me?? I just saw some online quotes.. and they are farrrr from that..   Any thoughts?
How much does it cost to visit ER without health insurance ?
Just wondering since I visited a hospital's ER couple weeks ago . Have not received any bills yet , I'm 26 yrs old , have a health insurance from blue shield california but the plan has almost $2000 copayment that I have to pay before I can take any benefit ... I visited the ER , did a X-ray , talked to a ER physician ... and that's about it . anyone knows how much I might have to pay for the visit ?""
Can I drive a car and get it insured in my parents name?
I'm thinking of buying a car as soon as I pass my driving test next month and I heard that car insurance for a 20 year old is really expensive so I was wondering if I was able to ...show more
Insurance Quote?
My Step-dad and I are buying a 1.4 MG ZR between us. He is going to be the first driver and i will be the 2nd named driver. This will be my first car. My stepdad has driven for 12 years or more. Any rough ideas of a price for me? He has no pints on his license. thanks
Best Car Insurance For young Couple ?
Me and my fiance are starting to get estimates for major bills we'll know will be high (rent,car insurance, etc) What's the best car insurance for a young couple (20 year & 19 year old) for just basic coverage Im in the process of getting just a plain normal 4 door car like ford Taurus (1998-2000).. He has a ford 86' truck without 4wheel drive Neither of us have tickets, nor pricy sport cars But I've almost 20 and only been drving for 2 years (due yo bein homeschool, it was hard to get into drivers ed_) He's 19 and been driving less than year (cause hes school schule didnt allow for extra class like drivers ed)""
Car insurance question....?
Is it possible to see how much the isurance will be before I get the insurance??? I am 18, had my license since december 07 and never had a ticket or accidents... How much average is a teen insurance from a coupe to a minivan... I know its not in the high $800, but maybe $120+. I might get a mustang or something... plus is there an insurance gap between forigen and domestic cars???""
Car accident and insurance claim?
2 persons came to look my car for buying purpose. 1 of them was standing in front of my car and other just opened the door and turned the ignation on. the car was in gear so jumped up and hit the person standing in front of the car. man got stuck between my car and the other parked in front of my car and broke his leg. police and ambulance came. they took our statement and did not say anything to me but had separate discussionn with the othee person for long time. my question will this effect my by any mean legally? my car did not have insurance but no body drove the car either. i mean I am really scared what gonna happen to me I don't know if I shall keep trying selling my car or wait until hear from police. thanks
Car Insurance?
How much do you think it would be (insurance wise) to put a 04 or 05 Mazda RX8 on my insurance? Cause its not under sports car since it has 4 doors. And it would be under my moms name.
Why is my insurance so high?
So I am 21 years old working part time as a supervisor with a certain big brown shipping company. I am making decent money, and was, at the time, driving a really high mileage 1998 explorer that got terrible MPG and was nickle and dimeing me to death, so I decided to go look for a new car. The car I found, was a 2011 Suzuki Kizashi S. It had really high safety ratings, the car itself was in very good condition (the previous owner was a little old lady who I actually got to meet because her nephew was the car salesman I bought it from, who even brought me all of the paperwork on the maintenance she had - impeccable maintenance record I might add), and the average highway mpg, is double that of my explorer. However, I made a mistake of not confirming what my insurance rate would change to when I called State Farm over the phone to have my coverage changed to the new vehicle, and now here I am paying triple what I did for the explorer. I don't get it, how does a little 4 door sedan w/ awesome safety ratings and all that jazz cost me $224 a month to insure, but a 4WD fully loaded explorer, in Colorado, that I had since I was 17, was only like $63 a month. I mean, I understand that a vehicle that isn't paid off yet is going to have higher insurance thanks to the lender requiring full coverage, but I don't know ANYONE around my age paying this much except for a guy I work with who drives an Acura and got a massive ticket for going a buck 20 in a 45 speed zone and now pays like 350 a month. Is there something particular about this car that I wasn't aware of? It's a great car, but the huge insurance cost is really hurting what I'd planned to be able to afford per month on top of my other bills.""
""Once you get your license, do you have to have car insurance even if you don't own a car?""
Say you're over 18, you go for your license test and get your license. Six months later, you buy a car. During the six months before you buy the car, do you have to have car insurance, even if you're not driving during those six months at all?""
HELP! Im 14 and looking for cheap car insurance!?!?
my Said That I Would Have To Pay For My Insurance Every month HELP ME With The Cheapest
""I need help getting good and affordable health, life and dental insurance for me and my family-please help?""
All I have is Medicaid, I want better dental and health insurance, and my family and I don't have life insurance. When my dad died he didn't have life insurance. I'm a bit concerned because I'm in my 30s and my mom's getting old, and I'm concerned about my little brother. My mother doesn't have dental insurance. I want my brother to have better dental insurance too. I need dental implants. Please help me out.""
What type of insurance/coverage do I need to purchase from a car rental company?
I want to rent a car for 24hrs from either Hertz or Enterprise. I dont own a car therefore I dont have car insurance of my own. I already have to pay under age 25 fees, so I really don't want to be be up sold coverage that I don't really need. So if anyone could tell me exactly what coverage ill need to purchase from the rental company, if any, that would be great.""
How long does it usually take for an insurance company to pay a life insurance claim?
My father-in-law passed away in April 2009. He died of pneumonia. He had a life policy with a large national company. My sister-in-law is the beneficiary. Here it is, almost a year and a half later, and they still have not paid on the claim. I told her to contact the state insurance commission.""
Does anyone know anything about insurance?
just brought a car but im not insured on it yet as i only have a provisional license. Ive got my test the end of this month and this will sound cocky but i ave a feeling i will pass it ok. But if i get insurance now with a provisional license and pay it in installments, if and when i pass my test, Do people usualy have to pay the following 11 months of provisional insurance (at a higher cost) instead of the full license cost, do you get me? kinda confusing..but if you know anything about it from your own experience or something, wil you tell me what insurance people you r with so i can check them out..i live in ireland by the way so dont tell me about english companies please :) like eg.. my insurance is 1500e, i pay say 30e a week or something on a provisional license. opposed to: my insurance is 800e, i pay just 20e a week or something on a full license.. Do i still have to finish paying 1500e instead of 800e? i cant explain it anymore sorry if it not clear..? thanks x""
Do i need insurance to drive parents car in PA?
i just got my liscense and was wondering if i need insurance to drive my parents car?
Cheapest auto insurance for a teen?
im 18, got a used car, and now need insurance to drive it. my family has AAA auto and if im added to that ill be paying 2k a year. i also work at target and might get a discount on metlife or travelers but i cant get quotes online and also think it wount beat the adding on plan. is there any good autoinsurance or should i just be added on parents?""
How much midwife cost w/wo insurance?
I am not sure if my insurance covers midwife expenses, hence any advice shall be helpful. Also, where can I look for a midwife who accepts insurance? Possibly ask my OB or hospital ? please advice""
""'96 Saturn Sedan SLI 4 door, Totaled, accident insurance offered $2700. buy back $530. fair?""
'96 Saturn Sedan SLI 4 door, Totaled, accident insurance offered $2700. buy back $530. fair?""
Car insurance and tickets!! Help?
I live in Houston and I'm 18, I don't have a license. I was driving my dads car and got 3 tickets. One for driving 25 on a 20 mile school zone, one for no license and the other one for my name not being on the insurance. I'm working on getting my license Will my parents insurance go way way up if they add me to their insurance because of the tickets.""
A question about state farm auto insurance?
If I plan on buying a car with two seats, I'm male and get ok grades, what would be the difference in insurance costs if I got a car with 4 seats?""
Can please someone suggest the cheapest and yet good car insurance company?
thanks
Will I be covered by my parents auto insurance for an accident if im not on the policy?
I was in a car accident last night while driving my parents insured car. I, however, am not on the policy. I am 23 and live in my parents household. I have my own seperate insurance for my vehicle, which I was not driving due mechanical issues. This is the only time I have driven my parents car. Will either my parents or my car insurance cover the accident? This is what happened: I hit a car who made a left in front of me while driving through an intersection. The light was green, I had the right of way. When the police arrived the individual whom I hit admitted he had been drinking and was a marijuana user. The police arrested him and towed his car. The officer disclosed that the individual did not show proof of insurance. Also, there was a witness (the driver in the car behind me) who pulled over to check on us. He had told the officers what happened which verified my explanation of the event. I live in California, if that helps. If anyone has any advice for this scenario, please advise me on how I should proceed as I have never been in this situation. Thank you""
Can I get car insurance for my work place way from home?
can I get car insurance for my work place way from home
I want a car but my parents wont pay for insurance?
I asked this question before, but people were being extremely rude so I deleted it. If I get a car, I will be paying for everything myself. The car, the gas, the maintenance, etc. The only thing that I will not be able to afford is the insurance. I don't really care about having my own car, but I can't drive my parents' cars: my mom's is for her work, and my dad's is really expensive and he doesn't want me driving it. Either way, just to drive someone else's car I have to have insurance to cover myself and any damages I could cause in case of anything. So, anyways, the only thing I need my parents to pay for is the insurance. They absoulutley refuse. They think that I don't need to drive. I don't want to depend on my friends to drive me everywhere. They can definitely afford insurance, they just don't want to pay for it. I might sound spoiled or whatever but I'm not. Ever since I could remember, I've had to pay for most of everything I own. All of my clothes, toys (when I played with them), iPods, the computer that I'm on right now. I'm paying for my text messaging, too. so, I understand the value of money. I just want them to pay for this one thing. so, my plan was to buy a car, and then threaten to drive uninsured until they get insurance. Kind of mean, I know, but I'md esperate. What do you think?""
How can I cancel my geico car insurance?
I pay for my geico car insurance every six months because I save some money instead of paying monthly. Here is a thing I am going to out of US for 3 months and I do not need insure my car however I already paid for the 6 months.
Car insurance question.. will it go up?
So my dad pays my insurance.. he tells me how much the insurance is and I give him the money.. I've never seen a statement because I trust him.. however, something just sounds weird/fishy.   I'm 26 a year old male, and drive a mazda 3 2012.  So the last 2 years I got this 2 tickets that raised my insurance:   - seat belt violation - Nov 2013 (Didnt know you couldn't wear it under armpit =/  )  - failure to obey traffic device - Feb 2014  (Stop sign.. which I made but lost court to a nazi judge... got 3 points, no school)  - There are no more that show for insurance company. (I know this, believe me).   Ok, so regardless if they were my fault or not.. My dad says that because of those 2 tickets and that I got 3 points, the insurance went up from $600+ (he has all of us under same insurance.. 5 ppl) to $1,100.   that's an increase of over $400+.. and yes, my car is full insured.    Is it really possible for an insurance to go up THAT MUCH???  Or is my dad lying to me?? I just saw some online quotes.. and they are farrrr from that..   Any thoughts?
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Agency Iowa Cheap car insurance quotes zip 52530
"Agency Iowa Cheap car insurance quotes zip 52530
Agency Iowa Cheap car insurance quotes zip 52530
BEST ANSWER:  Try this site where you can compare quotes: : http://financeandcreditsolutions.xyz/index.html?src=tumblr 
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Agency Iowa Cheap car insurance quotes zip 52530
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Car insurance quote help!?
I am 18 years old and received my Florida permit when I was 16, and my Florida drivers license when I was 17. I'm looking for a car and have been searching for a good insurance quote. I've tried everywhere from geico, progressive, all state, etc. But they all seem to be VERY high. Anyone know of a cheaper/better insurance company that will give me a good quote? Thank you for the help!""
Why is my Car insurance so high?
I'm 18 and live on my own, so the insurance is under my name NOT my parents. That's already a reason why it would be higher. But im paying 620 dollars a month, its getting ridiculous to keep up with. Everyone I tell is shocked at how high it is. I've never been in an accident or traffic violation. But when I got the insurance a couple of other places quoted me 900 dollars a month! so 620 dollars is cheap? Also when i got the insurance I was unemployed, and everytime I got a quote I would have to tell them I didn't have a job. Would this be Why its so high?""
What type of businesses that are good to call for all kind of insurances?
Like Health Care Insurances, Life Insurances, Employee Benefits""
What car insurance do you like?
Do you LIKE your car insurance company and if so, who do you use? I want to leave Farmers.""
Agency Iowa Cheap car insurance quotes zip 52530
Agency Iowa Cheap car insurance quotes zip 52530
How much is Allstate Car Insurance for and 18 year old in North Carolina?
Live in North Carolina have a Honda Accord
""1st Quote = worst insurance company ever, please see below...?""
I'm trying to change the car on my insurance, they haven't picked up the phone for the last 3 days, the website keeps crashing, they don't have an e-mail address, so i've cancelled the direct debit with my bank for them. As there regulated by the FSA should i get in contact with them and complain, as I'm unable to insure my car presently and I don't think thats fair, Are they able to still take the money? and will I inccur extra charges by cutting them off through the bank?""
How much does it cost to have a baby in California with no insurance?
With or without epidural, c-section or otherwise, with possible hospital stay? Near Sacramento if that makes a difference. Thanks!""
Where can I get cheap car Insurance ?
Hello, I am 18, and I am interested in a 92 Camaro. Two negatives with trying to get insured for a cheap price, I am 18 and I am wanting a sports car, I got a quote through gieco , and theyre wanting to get 700$ a month. NO WAY am I going to pay 700 a month, thats just beyond ridiculous ! Can someone lead me to a right answer""
How does car insurance work? my mom recently wrecked our car-it cost 2000. we have 25000/500 deductible.?
what do we pay?
2003 Hummer H2 insurance cost? For 16 year old? 10 points!?
How much will the insurance cost for this car? This car is FREE for me because it's my dad's and he wants me to have it as my first car. It only has 60,000 miles on it for a almost 10 year old car. It is practically new with a tv inside and nice rims. How much will insurance be?""
What are some good affordable dental plans for an individual?
I currently have no dental insurance and I need something really affordable. Serious answers please
Is it legal for an auto insurer to raise your rate without notification and debit that out of your account?
I reside in Texas and have auto debits monthly for my auto insurance. I just checked and they raised my rate this month without telling me and debited the new rate out of my account, but i agreed to debit monthly my rate but was on a lower rate for over 2 years and up until last month. I never got notice, is this legal? Do i have any rights to recover that extra $ they took for a new rate that i was not notified of?""
""What is the lowest, best Liability auto Insurance in Dallas?""
btw anyone tried Geico and are they really cheap? I know that billionaire guy owns the company, but is it any good?""
Is having the minimum state car insurance a good idea?
i am a 23 year old college student in california with one point on my record. i have a 99 civic which i bought for 6k paid in full. I DONT HAVE ANY OTHER ASSETS. i recently looked around for car insurance and realized, cant i just get the minimum state requirements for car insurance? if i hit someone, they cant sue me because i dont own anything besides my car, right? would they be able to go after my parents assets? i still live with them. they didnt help pay for my car.""
Car Insurance Price for 99' Corolla.?
I'm thinking about getting this 99' Corolla but I'm not sure how much the car insurance will be. -I am 17 years old and i took Drivers Edd. -I live in Rural area. I hope some of this info will help with the estimate. Looking for how much the insurance will cost a year/month.
How much does car insurance cost?
Do you know how much does auto insurance cost if I am 24 years years old, just got my license, I am from New York City, I drive a 2001 Toyota Celica and I am not married. Where can I go to find out the best quote? What car insurance company is the best and cheapest? Thanks!""
No proof of insurance ticket LOS ANGELES CA ?
I got pulled over for speeding. Got a ticket for no proof of insurance. but now i have insurance .. i am 17 and i just wanna know whats gonna happen tomorrow in court ? and on the ticket it says (((People of the state or California Vs. me))) whats going to happened in the court?, are there going to be people watching me ? and ima take my grandma ? also if i cant pay the fine can do community service ? how many hrs ?""
How much would it cost me a month?
If i wanted to buy a car for $16000 and i am 16 with no credit or anything. I have a job but my mom said she would pay half the payment and the insurance so i need to know how much would the monthly payment be. Thanks
""Insurance Claim estimate lower than expected, what do I do?""
An elderly lady backed up into my car a few days ago and we decided it'd be best to file an insurance claim. After the claim was ruled in my favor I was sent to a body shop for an estimate of the repair. The damage was to the rear quarter panel of my car which consisted of a scrape across the panel and a quarter sized dent in the panel. The insurance adjuster gave me an estimate and check for 855$. My question is in regards to the repairs, I feel that since this is 100% the other party's fault and since I am the person who has to drive the car that I am entitled to the maximum premium in repairs. I have been reading on Paintless Dent Removal (PDR) and most will say that its the cheap way of making a repair. Does anyone know if it would be possible to go back and get a new estimate/settlement for a new rear quarter panel? Basically my logic is this, if you damage any of my property it should be 100% my call if I want to settle for a compromise or not.""
Help! driver's license and auto insurance?
so I just got my driver's license (im 18), but i don't have a car yet. im driving my mom's car, is that ok? do we need to call the insurance comany and tell them to add my name to our car insurance? do we need to pay extra money? thanx for ur time! p.s. we r in Maine""
Question about Car Insurance?
I don't know if it's possible to get an answer from you guys, but it's worth a try! I have State Farm insurance, and I'm going to be driving a 2006 Hyundai Sonata, and i'm 16 years old. It's black, & I make pretty good grades, 3.5 is my avg (I heard that mattered) I was just wondering how much it would be per month! If you have any help, that would be great! Thanks :)""
""I just turned 18 and I don't want to take driver's ed, how much will my car insurance go up?""
Due to multiple arrests, I wasn't able to get my license until I turned 18. Well now I'm 18 and able to get my license, I don't have the money for driver's ed though. I was just wondering how much my car insurance would go up if I don't take driver's ed.""
Insurace for a 2001 mustang?
My girlfriend who is 17 is wanting to get her own car. Her parents won't let her put a car on their insurance plan so she wants to get her own. She is looking at a 2001 mustang v6 automatic and wants to know, roughly, how much the insurance would cost her on her own. (she plans on getting esurance).""
Where can I get cheap insurance for a performance car? I have tried the usual (confused.com etc etc)?
UK only please
My insurance and how it'll go up in September?
I just received insurance. I am a brand new driver 18 in about thirty days. Just now bought myself a car and just now got insured on my Grandparent's insurance.Currently now, it's only $48 a month, but the insurance man said that it'll go up in September. It makes sense, considering that right now I'm only paying a part of the package. So I understand that. With me being a new driver, how much will this all go up? Are we talking about $150? I did not take driver's ed, but I am eligible for the Good Student discount. I know you can't tell me directly, because neither could he. It all changes. But can anyone give me maybe a ballpark? I'm female. Good student. New driver. Thank you!""
Insurance Quotes With AAA ?
I requoted myself online with AAA, I've been with them for 9-10 years or so. And by filling out the same information with same coverages, I will save much more. Will AAA give me that new rate or am I stuck with my same rate. I hate calling customer service..""
""Auto Insurance, Please Help!?""
What are good coverage amounts for Bodily Injury, Property Damage, Medical Payments, Uninsured Motorist and Under-insured Motorist for auto insurance? I just want to make sure i have enough coverage for my insurance.""
Insurance Cost Starting Driver-?
Statement of Facts: 16 (soon turning 17) Good Grades, above B, honors Several after school activities (Student Council, if that is even relevant) Impeccable driving history (no infractions) State of Residence: Maine Rural/sub-city? Insured under fathers plan, also clean record (51 and 1 ticket?) Alright, I'm currently under my fathers policy and am driving his vehicle to school and back. Soon we will be purchasing a vehicle for my own, and I have a few questions. To be frank, I am looking at mustangs. Not v6s, but GT v8s, preferably standard transmissions. Dad's biggest problem is insurance, which is understandable. My question is how much said insurance would cost/ raise his existing policy? -I like this model because I want a vehicle with performance. When I think of performance, Muscle comes into mind. The quintessential of this and most feasible is a mustang. Many older versions (such as 1990's, early 2000's) so they are affordable, and I just like them. Also I know a considerable amount of knowledge for my age about vehicles due to helping in my grandfathers garage past summers and many weekend projects.""
What happens if you lie to a car insurance company about your traffic violations?
My husband wants me to hide my violations because we are trying to get a new policy right now. I figure why wouldn't everyone do that then?
Agency Iowa Cheap car insurance quotes zip 52530
Agency Iowa Cheap car insurance quotes zip 52530
Infiniti g35 coupe insurance cost?
Im looking to buy my first car YAY my parents agrred that they would put a down payment if i get a NEW never used car they only thing i have to do is pay the rest of it off in the length. but i dont want it to be to expensive and what not, so i was looking at a a infiniti g35 coupe between 04-06 used under car specs all are under 100,000 miles range from 50,000-88k could you give me an estamite how much insurance would come to, b/c the cars are under12k so buying it will be really easy. im 17 full licence only drive to work,school, and home so i would say only about 40 miles a month Both my parents have outstanding drving records (they only pay 440 every 6 months)""
16 year old's Car insurance?
I'm and I have my permit. I turn 16 in may. Im going to get my license (or atleast take the test ) on my 16th birthday. Im not going to buy a car, and im going to just drive my parents cars. What I don't understand is why I have to pay for car insurance, since my parents already insure the car. And the car is ensured for any driver of the car.""
On average how much is car insurance at 17?
on average for a ford ka 2000 a student girl driver (please dont recommend for me to go on go compare etc as i havent got the time thanks full points for best answer
Insurance: Can one person be a primary driver for more than one car?
Basically, I'm in need of a car, but cannot afford to pay my own insurance. I am considering putting it under a friend's name and have her as a primary driver and myself as a secondary driver, which would be cheaper. My concern is that she already has her own car under which she is a primary driver. So my question is: is she able to insure another car as herself being the primary driver?""
I crashed a friends subaru and his parents are hunting me for money. How much am should I be expected to pay?
Turning a corner I overturned and have dented the front fender in front of the left wheel. Knocked the front left wheel out of alignment, all but removed the passenger mirror and scratched the left side of the car, only paint deep to my recollection. Also the left front indicator cover has been smashed, bulbs unharmed though. The car is a subaru legacy 1985 station wagon 4wd. They either want $700 for the cost of the car itself or repair money. Please help soon, friends parents are hunting me down.""
This is About car insurance?
I am getting a car soon and I want to kniw how much insurance was for me. I'm 17 and a boy so I know isles should be high. And is it a monthly thing or a one time fee?
""What could be small, lasts forever, has expensive insurance, and there are 12 or 13 to choose from?""
What could be small, lasts forever, has expensive insurance, and there are 12 or 13 to choose from?""
Is it illegal to drive in florida without insurance? ?
Is it illegal to drive in florida without insurance? ?
Motorbike bike insurance for a learner bike insurance ? wot the cheaper way to get bike insurance?
Hi can any of you tell me the cheaper way of getting motorbike insurance iv got a full car licence but i am a learner biker . on a CBT Licence .can any one tell me the best way to keep the cost of bike insurance down
How much could be the average insurance for a SMART car?
How much could be the average insurance for a SMART car?
I am a soon to be mom without health insurance.?
I have not had health insurance for 3 yrs now. Till now it's not really been that big of a deal because I'm a very healthy person and was able to pay for all of ck ups @ the doc. but now I'm expecting & I'm not going to be able to pay in full for prental care,& birth delivery of a baby. I have not gone to the doc because I would like to get on health insurance first & I'm scared if I go to the doc first insurance will say it was a preexisting condidtion & not insure me. The baby's father says I should get on Medicaid but he makes $6000 a month, & we live together, so I'm scared that he makes too much money for me to get on Meicaid & we can't afford for me to have any kind of insurance that is expensive. What is the best thing for me to do?""
""Best health insurance, help ?""
I know nothing about insurance, share your experience with your search for health insurance. In your opinion, what's the best one ? Thanks in advance, Daniel :)""
Can i drive my car with an international licence and provisional insurance?
can i buy a car in the uk and insure it on my provisional licence and drive it with my international licence so i dont need to bring another driver to sit beside me during driving. the reason i'm asking the this Q is because insurance is much cheaper on the provisional licence.
Adding body kit or alloy wheels increase insurance on 17 year old?
I will be 17 in January and was wondering whether adding a body kit or alloy wheels to something like a fiat seicento would increase the insurance... because it may be more desirable to steal? Please give me legit answers...
Need help finding cheap car insurance?
i am 20 and have been passed my test for 2 years but have no no claims bonus as i have been driving as second driver on someone else insurance but now want to get my no claims bonus and the prices are ridiculous i am looking to pay in the region of 1500 annually or 150 P/m which i thin is far to much. i have used the comparison sites and no luck just getting quotes for well over 2000 any help would be great.
Does my boyfriends name have to be on the car title in order for me to be put on his insurance?
I will be buying a car this weekend. I am under 25, so the insurance is outrageous. my boyfriend is over 25. It is a lot cheaper if i just add myself to his insurance. My question is does his name also have to be on my car if i want to be put on his insurance? I was told yes but im not sure.""
Where Could I find affordable dental and vision insurance for individuals?
in wisconsin western area
Texas insurance companies offering insurance on rent-houses?
Where can I find a list of all the property insurance companies that offer insurance on rental property in texas?
What car can i get that will be the cheapest insurance a month?
Hello I'm 18 I'm a male and I live in Cleveland Ohio I was wondering what is the best car I can get with the lowest insurance a month? And what is the best car insurance for first time drivers?
""Hey, guys! Does anyone know any cheap insurance for UK residents?""
I haven't travelled in a while and now am going to Finland. I must admit, I used to skip all this insurance stuff, but last year I broke a leg while riding a bicycle in the US and spent A WHOLE LOT of money on hospital bills.""
Would Transformers have auto insurance or life insurance?
Would Transformers have auto insurance or life insurance?
NYS car insurance. NYS only please?
My insurance is due on the 18th of October. I cannot pay until the 1st of November. I will be 11 days without insurance. WILL I GET A SUSPENSION or PENALIZED for 11 days?
Can you have be under two car insurance companies at once?
My dad is considering in buying another car(ideally for me to use) but to avoid the high cost, he wants to be listed as primary driver to both. It seems that usually when youre under one company, I will most likely be forced to be primary on one of the vehicles. So would it be possible to be under two different car insurance companies so that my dad can be primary for both or would this be considered a type of fraud or something illegal?""
Do I need a license/registration for Motorized bicycle or 50cc gas moped scooter in CA?
Do i need to register or obtain a license for the above 2 vehicles in California. I tried to call DMV but it really takes forever. I can't seem to find that info on the website either. Thanks
How much should we ask the insurance company for when settling a car accident claim?
My boyfriend was recently in an accident. His chiropractor told him that when settling his claim, he should ask for three times the amount of all his total expenses. My aunt was also told the same thing by her doctor. I was wondering if anyone knew if this was a law or something?""
Agency Iowa Cheap car insurance quotes zip 52530
Agency Iowa Cheap car insurance quotes zip 52530
https://www.linkedin.com/pulse/volvo-insurance-contact-carter-robertson/"
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3ennyj · 7 years
Text
Road race on a fixie?
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It’s been a while since I’ve written something. I prefer the visual media, probably because it’s easier or that I’m lazy. Also Akul I know you’re reading this and wondering where the fuck is part three, it’s coming maccha.
2017 has been a great year so far, in a nutshell, spent the NY’s with my best mate Sid, made radical changes to my lifestyle by staying clean (drug and smoke free), continued to eat clean (plant based food), committed myself to make it into the final bunch of the Red Hook Crit 2018 at London, started the store (LBB cycles) with my dope ass partner Shariq and started dating the coolest gal ever, Steffi.
Just two days back I participated and completed my first road race and the longest race ever on my fixed gear bike. Honestly I was nervous, like really fucking nervous. Had these various thoughts lingering in my head, will I hang on with the main group?, am I on the right gear ratio?, will I cramp up?, will I manage with two bottles of water and the ride food or will I bonk like a boss?, the one thing I knew for sure though, was I’ve been consistent with my training, my recovery and with the food that I’ve been eating, and the faith people near and dear had in me.
Lets zoom out to the week that was leading up to the BBCh Bangalore Classic. I was into week 18 of structured training that I developed for myself based on research and mostly based on talking to mates like Francis and Naveen who were and are elite national racers respectively, and getting feedback from online acquaintances who’ve ridden the Red Hook. I decided to do one day of mid week training on the rollers working on my lactate tolerance efforts or pyramid intervals and skipping my strength session at the gym. After all you don’t want to stress your legs out too much on race week, rather keep them fresh though I commute to the store. What I did keep keen attention to was my food and hydration. Eight weeks back I did my first elite criterium with the roadies and put out an OK-OK performance, I mean I was under-geared (48x15:”84.16GI), for the non trackies, that means at 90rpm my speed would be 36km/h, which is not that great for a flat, and fast circuit, also I was just 10 weeks into my training with no strength training and my legs weren’t ready for more gnarlier ratio, back to the point I was making, I did not keep a check on my hydration, salt intake and the finer details such as are the right minerals getting into my system, and I cramped like a mother fucking goat! I couldn't ride for the next five days, I literally thought my cycling days are over, and the doctor who I’d not like to mention, told me I had a lack of B12 and Vitamin D, since I’m on a vegan/plant based lifestyle. Turns out I had a lack of salt and essential minerals that come from green leafy veggies in my food, and the absence of using an ORS post hard training rides. Since then I’ve been best friends with methi (fenugreek) and palak (spinach). Also I stopped using all forms of processed junk that includes alternate protein, I now use a bunch of superfoods such as spirulina, amla, moringa, chia seeds just to name a few as a part of my recovery meals and shakes that I source from, I must mention them, Happy Health Me. Must I say, I am getting stronger. Not bragging but, I ride 300+ kms a week, work out, work six days a week, prepare my food and manage my house, to be able to this day after day, and still stay fresh as fuck, I blame it on the plant based diet. If you need to know more, talk to me.
That being said, three day to go and I was still nervous, they say the best way to make sure you’re going to do something, is to announce it on social media. That’s what I did. I announced that I’d be doing the 132km elite road race on the fixed gear. You know that made no difference. I was still nervous as fuck. Speaking to Steffi, she reassured me that I’d do well, rather I’d send it, and that really helped. I made sure I loaded up on the carbs “ethically”, stuck to eating a higher potion of Matta Kerala rice than normal with my usual array of mains such as rajma, channa and black eyed  peas. The only thing different about race prep, was eating little more rice than usual. Another saying, a clean bike is a fast bike, not only did I clean the bike but I spring cleaned my house, I don’t know if that made a difference but it’s a superstition now. Cleaning the bike involved transforming this bike into a race machine. Out goes the tyre liners and bike lights, after all every gram counts, throwing out the tyre liner turned out to be a big mistake though, you’ll know more.
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I usually do all my rides fasted, and again after much research I figured that having a good healthy meal, two to four hours before a road race is essential. I made my usual power porridge potion though half in size two point five hours before the race. The slow digesting oats along with the fresh fruits, nuts and superfoods makes for an explosive pre race meal. I pre packed six pieces of my brownies which I happily forgot to carry in my tote. Shariq picked me up and we were running late thanks to a flat car tyre, these were signs that I should have seen, and we made it just 20 minutes before the race kicked off. I’ll be honest with you, I was so nervous, I did not realise when the started, next thing you know we’re rolling down NH7 and I’m asking Vivek, has the race started!
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The next 72kms was one of the best rides I’ve ridden so far. Averaging close to 38km/h, with a bunch of highly energised individuals from the likes of national, state, category champions, and  my friends who I’ve made thanks to cycling. It felt like we were on a happy go lucky Sunday group ride. My plan for the race was very simple, ride hard, have fun, stay safe and finish. I was staying true to the first three parts for sure and that made sure that the fourth part was easily achievable. Since we had a good tail wind on the way out, I decided to do my bit by heading up front and working to pull the group. The feeling is amazing. I was out in front with Venky, Aman, Tarun and a couple of solo pulls, until we reached this flyover may be 25kms out, unlike the roadies I cannot coast, so I continued to churn down the flyover at a high pace, I did my usual check glance to see no one’s on my wheel, and what looked like a solo breakaway that I did not ask for. I kept checking as I descended at about 45km/h to see that the peloton was taking it real easy for some reason, except for Vinesh and Tarun who decided to chase me. Why did they do it, no one knows, not even them. Then next thing you know we’ve officially formed the first break away of the race with an ever increasing gap. 
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I mean we were like three little children laughing and chatting, having the most jolliest of time thinking why the fuck did we do what we just fucking did, this was an epic uncalled for photo-op, with Krishna pulling up near us and Shariq and the photographer having a  field day capturing us. Everyone loved it! Vinesh suddenly calls out, man it’s 10kms and these guys have still not caught up, well that’s because I was setting a decent pace of 39km/h through our breakaway. After much discussion, actually none, we decided to slow ourselves down and join in with the peloton as it made no sense to breakaway so early and waste our energy, Good call. Our pace was now down to 32km/h and the next thing you know we’re back with the peleton. Honestly we could have pulled it off. Vinesh and Tarun, I know you’ll are reading this, we should do it, for the Nandi Epic may be? Back in the peloton life is good now. We came up on this really awesome descent which of course had a speed breaker and for some reason I really slowed down on this, the next thing you know I got dropped like a fucking hot iron, I was over revving at 155rpm doing 67km/h and still couldn’t catch up with the bunch, which then led us into a gradual climb, this was my place to attack to catch up, with my heart rate reaching the lower end of my zone 5, I finally did catchup with the peloton, cause’ I knew if I got dropped here it was going to be a lonely ride back to the finish, I knew things would change at the U-turn, just that I didn’t want it to happen this early. The feeling of catching up to the peloton can be compared to getting lost in a crowd as a kid and then finally seeing your parents, I swear that’s how happy I was to catch up and join the peleton. As we approached the U-turn I could see the positioning get into place, and riding brakeless in a group of roadies, it’s situations like these that you have to be the most careful, I almost touched Maninders wheel as we took the turn because he jammed his brakes, thankfully I weaved around and took the patli galli out. As soon as you exit the turn the pace was full gas. I held on for about 5 kilometres before being dropped on one of the descents yet again. This time a catch up was not happening, with an insane headwind and a gnarly climb I eased off and worked on bringing the heart rate down, that's when Shariq and Krishna pulled up next to me, motivating me to go on and kill it. They said the guy in front of you is Nagraj Harsha, the ironman, bridge the gap and work with him. He was probably around 300m ahead of me when I started to bridge the gap and finally caught upto him. I’ve never met the guy and we didn’t speak, all we did was work in a pair and work hard we did to fight the headwind and the climbs. While I did most of the pulling, I was more than happy too, we slowly started caching up with the other dropped riders. I wanted to build a group of the stronger riders like Vinesh, Tarun and Rajat, but that didn’t work too well. Oh and special mention to Riyaz for tanking my bottle up when I went dry, it was my first bottle refill/transfer on the road while moving, it felt very pro for some reason! So Nagraj pulled away and went on ahead and it was just Rajat, Tarun and myself that remained. Then Tarun and me, the next thing you know we see Rajat flying past us, I have no idea where did the lad create that energy, but he was flying, since Tarun was cramping out already, I told him I was gonna chase him and stick with him. I clung onto him for dear life literally and we covered a solid distance. We were now 20kms from the finish when I decided to ease it out. I could feel the bonking’ness feeling set in, and that’s when I had the Lärabars, that Tarun saved my life with, remember I forgot to pack my brownies. Big thanks to you man. 13kms from the finish, 119kms down averaging 34km/h, I was switching bottles, both hands of the handlebar replacing the water bottle that was now empty with my ORS bottle in my jersey when I almost felt my front wheel sweep under me. I quickly got a grip on my handle bar and countered the fall. As I settled into finishing mode I could feel the loss of traction from my front wheel, what do you know I have a puncture! The kind of cuss words that came out of my mouth would have made the devil happy. I couldn't believe it. I was fighting fit, ready for a spectacular finish, by the looks of it was going to make it to the top 15 at least. I pulled up on the side and looked out for help. I wasn’t carrying any spares on me as everything was in my tote that I though Shariq was carrying. The Spectrum Racing team car pulled up and Vivek, Shankar and their other team mate who I didn’t know were super helpful. They gave me a tube, a CO2 cylinder and a phone to call Shariq. I told Shariq my location and was waiting on him as I needed a 15mm wrench to unscrew the bolts of the front wheel. Almost 20 minutes passed and I did not see him any where, that’s when I decided to walk and find a wrench. Tried my luck at a petrol bunk, and finally after a kilometre of walking I found a bike puncture shop and started working on the bike. Of course I was surrounded by 30 odd villagers all interested to find out what a fellow in his undies is going to do with a bike tube. The thing is when Shankar gave me the cylinder I asked him how to use it, which he didn’t know, so when I attached the cylinder and did some twists and turns it worked and the tube was filled with this cold gas, the villagers were so amazed by this process I told them this was magic which broke the ice and got them laughing. After a quick 20 second breakdown of what I was doing with my broken Kannada I was back on the road. I lost 45 minutes to this fucking puncture. Though disappointed that I could have finished better, I DID FINISH. I’m happy. I’m looking forward to my rest week starting next week and to my first fixed gear crit I’ll be doing in Dresden, Germany later in September. T-41.
Video: https://goo.gl/zhKjui
Strava: https://goo.gl/fU4dvX
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andrewdburton · 4 years
Text
How to get started with difficult tasks
Yesterday in the /r/financialindependence community on Reddit, /u/mkengland asked a seemingly innocent question:
What made you stop planning/researching financial independence and actually start?
Was there a tipping point for you where you finally felt ready to start your FI journey? What made you finally take the plunge, open that first IRA/brokerage account/etc., and throw your money into the market?
[…]
I'm waffling over details, though…and can't seem to just DO IT.
This question seems innocuous, right? Yet, I've been thinking about it for the past 24 hours.
I hear questions like this relatively often. People want to know how to get started with saving and investing. Or with debt reduction. Or they want to know how to get started with budgeting. And, in fact, it's the sort of question I had too back when I started my own journey away from debt and toward financial freedom. It all seems so overwhelming! Where do you begin?
Trust me, I know how easy it is to over-complicate things. My ex-wife used to call my Overanalytical Man due to my superhuman ability to overthink even the simplest subject. Although I do this less often (and less severely) than I used to, it's still a problem that plagues me.
Today, let's talk about what I've learned about how to get started with difficult tasks.
Action Not Words
Generally speaking, things aren't as complicated as I (or you) want to make them out to be. Most problems can be solved with simple solutions. It's how we implement these solutions that adds layers of complexity.
A healthy weight, for instance, really is as simple as “calories in, calories out”. Yes, I realize there's a lot of debate about this subject in recent years. And yes, I understand there's additional nuance and complexity to the discussion. But that doesn't change the fundamentals: If you want to lose weight, you have to burn more calories than you consume.
Likewise, all of personal finance boils down to one simple rule: To build wealth, you must spend less than you earn. End of story. This is the fundamental rule of personal finance, and all of the books and blogs and TV shows about money — all of the added layers of complexity — are simply clothes draped across this basic body.
When I see questions like “How do I get started toward financial independence? It all seems so complicated!”, my mind immediately goes to this. How do you get started? By spending less than you earn. Want to get out of debt? Spend less than you earn. Want to save for a down payment on a house? Spend less than you earn. It all comes back to this one idea.
Any move that increases your income or decreases your spending is a step in the right direction.
In a way, allowing perceived complexity to prevent you from doing the right thing is a variation of the optimization trap. The optimization trap is the belief that small tweaks make more difference than they actually do. Optimizing small things (clipping coupons, say) is often a way for people to feel like they're doing something meaningful when they're actually avoiding big, scary moves that could truly make a difference (downsizing their home, for example).
When people like me overcomplicate things at the start, we're doing so for similar reasons. We're nervous about making big changes. We're complacent. We're comfortable with our lives at the moment, so instead of doing the things we know need to be done, we spin our wheels while focusing on details that don't matter.
Right now, for instance, I am fat. There's no way to sugarcoat it. I've been gaining weight for several years now, and thanks to this quarantine, I've reached peak J.D. (in terms of size, anyhow). I know what I need to do to get fit again — eat less, exercise more — but I find it very easy to allow stupid details to prevent me from doing the right thing. “My bike needs a new tire. I don't have weights at home and the gyms are closed. I don't like vegetables. I don't know which tool to use to track my calories.”
All of these details are bullshit that distracts me from the fundamental problem: I need to burn more calories than I consume, and I'm not doing that.
If I want to get started with weight loss, I must achieve (and maintain) a calorie deficit. If /u/mkengland wants to reach financial independence, (s)he must spend less than (s)he earns. In both cases, thinking and deliberating does nothing. To achieve our goals, we must take action.
Start Where You Are
For overthinkers like me, action is key. Instead of finding the perfect time and place to start, we should start anywhere. Screw perfection! When starting a long journey, a perfect first step isn't critical. If you stumble at the start of a sprint, you're likely to lose the race. But if you stumble at the start of a marathon, it makes no difference. All that matters is that you've begun running.
As my friend Paula Pant once told me, “An imperfect plan you follow is better than a perfect plan you don't.”
One of the core tenets of the Get Rich Slowly philosophy is that the perfect is the enemy of the good. Too many people never start putting their finances in order because they don't know what the “best” first step is. Most of the time, “best” is irrelevant in this context. Don't worry about getting things exactly right — just choose a good option and do something to get started.
Here's a non-financial example from my own life.
As you know, Kim and I moved into our country cottage nearly three years ago. For the first couple of years, our time and money and attention were focused on home renovations. There were a lot of repairs that had to be made. Last year, we took a break. But this year? Thanks in part to the coronavirus quarantine, we've begun tackling our yard.
We have an acre of land. About half of it is seldom-used forest that slopes down the hill to a creek. But the other half is our fenced yard. It's a gorgeous park-like setting — or could be, if it were maintained. But the previous owners let things get out of control, and we've done little more than tread water since we bought the place. We've kept things from getting worse, but haven't done anything to make things better.
Here's a February photo of one corner of our yard:
This year, though, Kim and I have resolved to make our park-like setting actually park-like. That'll require a lot of work. Like, hundreds of hours. In February, we toured the yard to talk about what we needed to do. We each made a list as we walked along. When we finished, we were both overwhelmed.
“There's so much,” Kim said. “Where do we start?”
“I don't know,” I said. “I guess we start with whatever feels most pressing.” We drafted a short prioritized list of projects…and then never followed it. (Seriously. The top thing on our list remains undone two months later haha.)
Instead, here's how things went down.
On her first day laid off from work, Kim went outside to play with the dog and the cats. She got distracted by some weeds in the “tea garden”, so she paused to pull them. This led her to prune the climbing rose. Then she hauled the yard debris to the bottom of the hill, where she found more yard debris that needed to be cleaned up. And so on. Before she realized it, she'd put in a day of work. But it wasn't the work we'd planned.
What we've found is that if go outside, we'll see something that needs to be done. If we do that thing, a second step will become self-evident — or we'll see something else that needs done nearby. In other words, if we simply put ourselves in motion, if we do anything that contributes to our future vision of the yard, we'll continue to work on the yard, continue to be productive, until we're tired and done for the day. It doesn't matter which chore we choose. All that matters is that we choose a chore.
Kim has been home for maybe six weeks now. (Who knows anymore? My sense of time has warped.) In those six weeks, we've made huge strides. Sure, there's still much left to do, and we know it. But every day, we do a little more. Our yard has already been transformed, and it's only going to get better as we continue to do more work.
This is a current pano of the entire yard (click to open larger image in new window):
Here's the (very obvious) moral of this story: Start where you are. Do what you can with what you have. Don't concern yourself with “right” or “best” options. Choose a good option and get going.
When tackling a big project — whether that's renovating a yard, digging out of debt, or saving for early retirement — it matters less how you begin than that you begin.
How to Get Started
I grew up Mormon. One of the songs we sang in Primary (a.k.a. Sunday School) was called “Do What Is Right”. I think of it often, even today. Here's the chorus:
Do what is right; let the consequence follow. Battle for freedom in spirit and might; And with stout hearts look ye forth till tomorrow. God will protect you; then do what is right!
“Do what is right; let the consequence follow.” Yes! Exactly! Nowadays, I've incorporated this idea into my personal philosophy.
On my office computer, I have a sticky note: PROCESS NOT OUTCOME. This is a reminder to myself that I cannot control outcomes. I can only control effort.
If I do what is right — that is, if I do what is necessary to achieve what I want — and if I do my best, then I've done my part. By doing what's right and doing my best, I'll likely get the results I'm after. But if the results aren't what I wanted? Well then, I can live in peace. I know I did what I could, and I'm fine with that.
I can control my effort and actions, but I cannot control the results.
This “PROCESS NOT ACTION” reminder is important to me, and not only because I'm Overanalytical Man. I'm also paralyzed by self-doubt. It's easy for me to not take action because I'm afraid.
So, when I take on a big project like the course I just wrote for Audible, I often find it tough to get started. Before I even begin, I'm already imagining how painful it will be to read reviews from people who hate my work.
“PROCESS NOT OUTCOME” is a reminder that if I work hard and provide good info, then I've done my part. I can only control what I put into a project, not what others think of it.
So, let's return to the Reddit question that inspired this all. How do you get started with difficult tasks? Easy. By doing anything that moves you toward your goal.
Don't make things more complicated than they have to be. Identify fundamental principles and pursue them. Especially at the start, don't worry about making perfect choices or about optimization. Simply start. Take action. You can optimize later.
Do what is right. Do your best. Let the consequence follow.
from Finance https://www.getrichslowly.org/how-to-get-started/ via http://www.rssmix.com/
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