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#everyone started to leave so we didnt get to leave until nearly 1:30 -_-. it was also sad in class bc next week everyone goes up a grade
thirsty-pixie · 5 years
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Richie x Reader
Part 1
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Part 2, part 3, part 4, part 5, part 6
I know Richie is gay in the movie but I do what I want lmao. This is kinda something I've had rolling around in my brain for a while.
Back story: Y/n is a creature similar to it, she was born from her mother which was human but her father was Pennywise. It was getting lonley and wanted to have someone else who could live as long as him and keep him company. Though humans were much to fragile and died quickly he decided to impregnate a Woman. The pregnancy nearly killed the woman leaving her bound to a wheel chair. The child received some of its abilities like strength, speed and she feeds off of fear, she is also connected to it physically. When it gets hurt she feels the pain and she is immortal, she stops physically aging at 36. She feeds on fear but not by eating children, just being around someone who is scared is enough.
Last day of school.
Is was the last day of school and I was already sitting outside of the front doors watching the students leave the building. Mrs. Ripsom was waiting put in the road with the police looking for her daughter. I still remember the blood on my dads chin when I walked in on him eating and the sickening thud when poor Betty fell to the ground of the sewer. He never let me see him eat and that day I found out why. I seen four familiar boys walk out of the building Bill, Stan, Eddie, and Richie.
I enjoyed hanging close to this group because Eddie, he was a hypochondriac and was always scared of something. I watched as they walked passed me Eddie looking up at me then quickly back down to his feet. I chuckled shaking my head,the walked over to a trash can to dump their bags which was a common thing for kids to do after school let's out for the summer. The door opened again this time Bowers and his gang walked out, Patrick winked at me like always as they passed earning an eyeroll from me.
They walked towards the four boys who were starting to walk home. I felt something snap when Bowers grabbed Richie's bag and pulled him backwards into Stan. Within a few seconds I was standing between Bill and Henry, I heard Richie say shit when I shoved Bowers back. "The fuck is your problem" I yelled at Henry causing him to get angry, "it's none of your business now be a good little bitch a run along." He stepped closer but I didnt back down.
"I'm sorry. Did I stu-stu-studer? I said run along." He tried to push me with his chest but I didn't budge "you don't scare me Henry" suddenly fear radiated from Henry as he looked behind me make eye contact with his dad. "This isn't over losers!" He huffed before turning to leave. "Holy shit! Do you have a death wish? He will literally kill you" I turned and Looked at Eddie and shrugged. "I'm not afraid of Henry he's just a scared little kid" I stuffed my hands in my pockets and looked at Richie and Stan who looked shocked. "I'm Y/n.... by the way" I smiled and began walking away.
I heard the four of them running to catch up with me "that was totally cool" I looked down at Richie how was now walking next to me "I mean he's honestly not that scary...." even though he was only a couple years younger than me he was pretty short. "So I'm Stan, that's Bil, Eddie and hes Richie." Stan walked on the otherside of me introducing everyone. I smiled and kept walking "where are you going?" I heard two of them ask in unison. "Well I gotta get home to my mom and hang out with her until the next nurse comes..... theres a gap in the shift change." I mumbled the last part and I turned the street.
"What's wrong with you're mom? She a vegetable or something?." Richie blurted. I heard someone punch him followed by and ouch causing me to laugh. "No she's just in a wheelchair so for an hour after school I take care of her then the night nurse comes." I looked at the Four who had slowed their pace and walked behind me. "Then I think tomorrowim gonna go swimming" I stopped at my driveway and looked at the boys who were following me like puppies. "W-w-well we are going to gu-go to to the ba-barrens. Want to come?" I smiled at Bill and Richie flung his arm over Bill's shoulder "yeah we can stop by here and get you then hit up the quarry after the barrens" I nodded "yeah I'll see you all tomorrow then"
I walked inside to see my mom asleep on the couch, I covered her with a blanket and turned the tv off. I went to my room and changed into my workout outfit and waited till the night nurse arrived. "She's been asleep since I got home I made her dinner it's in the oven.." the nurse smiled and I walked out of the house. I began jogging to the sewer drain that was closest to my dads hideout.
I looked to make sure nobody was watching before I slipped inside. The walk wasn't long before I heard him humming. "Daddy?" The humming stopped when I spoke and he popped his head around the corner in his human form. I smiled and walked into the large room hugging my father he smiled at me and kissed the top of my head. "How was your last day of School Y/n" I shrugged and looked up at the children floating some with missing appendages. "It was fine....Daddy must you display them like they are trophies..." i frowned and he sighed looking down.
"I'm sorry its how I lived for a really long time it's hard to change....." I nodded and flopped against the pile of toys. It sat next to me and sighed "so I've told you how I used to sleep for 27 years at a time..." his voice was shaky and he spoke slowly causing worry to build up inside me. "Yeah.." I rolled onto my side and looked at him, his eyes had prominent dark circles and he looked exhausted. "I'm getting weak and tired and I will be going back to sleep for another 27 years in about a month or so..." he scanned my face as I sat up.
"So you're leaving me for 27 years?! Mom wont survive another year.... what will I do?" I stood up and glared at him. He stood up and hugged me "I know I'm sorry I stayed as long as i could. You'll be ok you're strong just promise me you'll come back when I wake up...." I had started crying when he hugged me but by the time he finished I was sobbing. "I'm going to miss you Daddy...." I knew he was a horrible monster but he was my father.
~~~Time skip~~~
I had on my black and red backpack on that I had filled with snacks, I sat on my stairs with my bike waiting for the boys to come by. After about 15 minutes I heard Richie's loud mouth about a block away so I stood up and got on my bike. "Ready Chicka?" Richie asked and I nodded smiling, the barrens was only a 5 minute ride from my house so. We walked down the trail and to the drain pipe that fed into the creek, I could smell the rotting flesh unbeknownst to anyone else. My senses were 100 times better than an average persons.
I scrunched my nose at the smell and followed Bill into the drain listening for my dad. I heard Eddie complaining about the water and laughed when I heard Richie say it doesn't smell like caca to him. Bill picked up Betty's shoe and turned around, "guys" every one froze and looked at Bill. I zoned out remembering seeing my dad as a clown mouth dripping in blood, I was brought back to reality when I head someone scream for help. The screaming continued but they sounded like painful screams like someone was hurt, no one else could hear it.
Moments later a kid came splashing down the creek falling into the water a few feet away from us. "Oh shit" we all rushed over to the kid to help him, I could feel his fear from back where I was standing before I went to help and the closer I got the more invigorating it was. I was in bliss as he rode on my pegs to the drug store, we stopped in the Alley leaning the bikes against the wall as Eddie looked at Ben's stomach.
They rushed inside leaving Ben, Richie, and I out in the alley "glad I got to meet you before you died" I looked at Richie and hit his arm playfully. He looked at me confused "not nice" I said before lifting Ben's shirt again. "Fucking Bowers.... I'm gonna kick his ass for this" before Richie could say anything the guys came rushing out their arms full of supplies. "What'd you do rob the place." I watched as Eddie meticulously tended to his wound, a few moments later I heard someone coming through the alley.
"You ok that looks like it hurts" I looked up seeing a redhead girl standing next to Bill I tuned the rest of the conversation out as I walked to the end of the alley. I popped my back and watched as people walked along the side walk oblivious to horrors that lay below the streets the drove and walked walked on. "Y-yo-you coming Y/n?" "Yeah pull your head out of the clouds and kets goooo" I smiled at Richie and Bill as I walked back to my bike.
Posted 9/30/2019
Part 2, part 3, part 4, part 5, part 6
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movedtoprsmise · 6 years
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180906 LY Tour: D-4
this is gonna be really long, feel free to ignore! it’s mainly for myself!
my friend and i got to la on wednesday (9/5) the day before our concert and lined up at about 7:30 pm to set up camp. we had small folding chairs and 2 blankets, a cooler, our bags of clothes, and a bag of extra snacks. not too long after arriving, 2 girls came down the line to give us our numbers (which they wrote on our hands) and to write our names and numbers in their notebook. i was number 382. the girl behind us in line arrived at the same time and was really cool and experienced with kpop concerts and told us what kind of things to expect and stuff. we were really thankful for her lmao. i still had a cold and i called my parents to bring me some cold medicine as well as some sweaters for me and my friend because it got cold pretty fast and we were not dressed for that weather at all. for a few hours we just sat and talked with the girl and she told us about how she saw SHINee and all these other groups. at 12 am we tried for an hour to sleep but to no avail.
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some more time passed and it continued to get colder and girls continued to pull up in cars to go and line up at the back. our spot in line was a cockroach attraction and idk how many times my friend and i threw our blankets off to stand up because of roaches. the korean lady next to us in line took bug spray out and tried to help us a bunch. she was rly sweet and cute. at 2 am i had to pee so we walked to the bathroom everyone was using which was decently far away and on the way back we saw girls doing choreo out in the blocked off street to pass time. it was really cute and i wanted to join but i was too shy ndkfndnd. it was rly crackhead hours tho. anyone who wasnt asleep was losing their minds bc we hadnt slept and we knew we were gonna be awake for a long long time. couple more hours passed and my friend and i managed to sleep for 10-45 minutes sometime between 4 and 5 am. we forced ourselves to drink some small protein drinks and then when the sun came up at 6 am, some workers showed up in trucks and began building a fence around us campers. we guessed it was to block us off from the streets
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a few more hours passed of trying to squeeze some more sleep in and failing to do so. at 9 am we walked to the bathroom to get dressed because it was getting really close to wristband time and i forgot to take my toothbrush, makeup and deodorant to the bathroom with me and ended up having to do it all in line which was a tad embarrassing but it was fine. then near 10 am the line suddenly began to pack up and move forward and we panicked bc we had too much stuff and the mini-cooler was rather heavy. we made it really far up in line before my parents showed up to pick the stuff up. but it was reallyreally hard to get the stuff to a place where they would be able to pick it up. we had to ask the girl behind us to hold our spot while we carried everything down the line and across the street to where my parents could easily pull over and grab it up. that was extremely hard. then complications happened with the line where people had crowded to the front of the line, making a mess to where the staff couldnt bring us in.
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so, a girl came down the line to tell us all to move back in order to make room at the front of the line, all the while groups of girls were being sent to the back of the line for crowding and the rest of us were able to move into a more orderly line.
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at 10:30 they began pulling us in 10 people at a time to line up for our wristbands! once we got in we were put into this metal fencing where we waited as they handed out our ga wristbands that had our numbers on them.
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because of the crowding that had happened, my number was now 410. after getting our wristbands it was about and we were allowed to leave and told to come back at 4:30 pm to form the official line. so we went to get our merch which had a line that wrapped around the block and we waited in that line for about 3 hours, which sucked. it was hot and the line was ridiculously long and i kept squatting in line to stretch my back out and to give my feet a break. my friend looked like she wanted to die in that line ndjdndn. once we finally got our merch, i gave up on going to the bts studio bc i didnt wanna wait in another line.
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(i bought the jimin premium photo, the jimin picket, and the tour jacket 😣💓)
i called my parents and had them pick us up and take us to our hotel so we could get some sleep in before the concert. we slept until 2:45, woke up, picked up food, and then went back to staples to sit and eat on the ground somewhere before going to the ga line again. at 4:30 they let us all in and called up groups of 100 at a time based on numbers (ex: “numbers 1-100 line up” and got us situated in numerical order.
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everyone 500 and under had to wait for us before they could start lining up. we sat in that line for about 2 hrs while soundcheck went in and came back out. and as 6 pm came closer a security guard kept messing with us by announcing how many minutes were left before we’d be allowed inside and we’d scream every time djkddnjdj. they finally began letting us in and we had to line up at different doors with metal detectors and get our bags checked. the girl in front of me in line was told to put her pride flag in her bag because it was too big to hold up at the show /: then we crossed to a table where we got our entrance wristbands and we flocked into the venue to secure our spots on the GA floor. we had to stand there for 2 hours until showtime and it was so painful bc our feet and backs were killing us after standing for nearly the entire day but the bts mv’s they played made it a little easier as the venue filled up around us
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the people in the higher sections began syncing their army bombs and my friend and i fussed over our own and couldnt figure out why it wasnt working until a girl told us what we werent doing and we fixed it djkddknf then the lights got darker and darker and an intro video began to play on the big screens and everyone lost their fucking minds and then idol began to play and bts was right! there!! on the main stage and it was like i was in a dream. 😞 when they came to the mini stage all breath left my lungs , i
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overall the experience was stressful, painful, exhausting, sweaty, and emotionally draining but it was easily the best night of my life and id do it all again in a heartbeat. they were beyond incredible and im immensely proud to be a fan of bts. 😔💗
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gaysin-space · 7 years
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The curious thing
you’re so cute, sending me asks to do omg
1. What are the things that stand between you and complete happiness?
Myself and my mental shit tbh
2. What will people say at your funeral?
Idk summat about me being gay and savage tbh
3. Standing at the gates of heaven, and God asks you “Why should I let you in?” What do you reply?
“I don’t know man it’s up to you like i don’t mind either way”
4. If you lost everything tomorrow, whose arms would you run into to make everything ok?
My girlfriends tbh i’ve done it before so yeah she helps me alot
5. Does this person know how much they mean to you? When was the last time you told them?
I like to think you do, I mean i tell you nearly everyday
6. If you could send a message to the entire world, what would you say in 30 seconds?
Explain how war doesn’t solve anything and just makes everything worse and how we need to stop
7. If you received enough money to never need to work again, what would you spend your time doing?
I’d travel the world and give enough to my parents to support them for the rest of their lives
8. If today was the last day of your life, what would you want to do?
See the great wonders of the world or go to space tbh
9.What would you change about your life if you knew you would never die?
I’d spend more time with my loved ones than i already do
10. If your entire life was a movie, what title would best fit?
The unadventurous life of the depressed emo
11. How would you describe yourself in 5 words?
honest, sarcastic, funny, loving, trusting 
12. What are the chances you’ve passed up on that you regret?
none really? Like i’m happy with most of the decisions that i’ve made that effect my life 
13. How do you apply the learning from this regret to your actions today?
I don’t tend to hang onto negative emotions like that like I just forget and move on
14. What would you do differently if you knew that no one was judging you?
Everything like literally
15. If you could watch everything that happened in your life until now, would you enjoy it?
certain things yeah but i wouldn’t want to like the past is the past for a reason
16. If you could ask a single person one question, and they had to answer truthfully, who and what would you ask?
idk tbh maybe Harry and if he’s happy 
17. If you could start over, what would you do differently?
A lot of things tbh all my mistakes would be erased 
18. When you’re 90 years old, what will matter most to you in the world?
My family definitely 
19. Are you holding onto something that you need to let go of? What’s stopping you?
Yeah but im working on it and my brain needs to get with the program
20. Would you break the law to save a loved one?
Yes.
21. Do you ask enough questions, or are you happily settling for what you know already?
I think i do? Like im a really curious person so ill always wanna find out more if people let me
22. How do you celebrate the things you do have in your life?
I make do with the little things i have and make everything go a long way
23. When it’s all said and done, will you have said more than you have done?
I will have said a lot but i always go through with what ive promised to do
24. When was the last time you tried something new?
The other day i think? I always make sure to say yes to trying new things
25. What were you doing when you last lost track of the time?
probs watching videos on youtube 
26. What is the difference between living and existing?
Living is enjoying life to the fullest and doing the things you love everyday, existing is just getting by doing the bare minimum to survive
27. If you had a friend that you spoke to the same way you speak to yourself, how long do you think that person would allow you to be your friend?
Not very long, they’d probs get annoyed with me very soon and leave me alone
28. If you had to teach someone one thing, what would you teach?
How to be nice to people
29. What makes you smile?
The people who care about me and i care about
30. What drives you to do better at something?
My parents and the fear of disappointing them
31.What do you really love to do? Do you do it often? If you answer no, why not?
I love to read and write and i don’t do it that often but i want to start doing it more as soon as i’m finished with whats causing me stress at the moment
32. What can you do today that you couldn’t do a year ago? What will you be able to do at this time next year?
Talk about my feelings better and actually let people in, and hopefully next year ill be even better at it than i am now
33. What is the last thing that you’ve done that’s really worth remembering?
When I spent a whole day with my mum
34. What gets you excited and driven to achieve?
The future i could potentially have 
35. When was the last time you travelled somewhere new?
when i went to Birmingham to visit my girlfriend 
36. What do you want most out of life?
Just to be happy and have a family
37. If karma was coming back to you, would it help or hurt you?
Hopefully it would help me but knowing my luck it would probs hurt me 
38. If you could go back in time, once, and change a single thing – what would it be?
When a certain person hurt me and fucked up my life
39. If you had a year left to live, what would you achieve over the next 12 months?
Visit every place on my bucket list and tell all my family i love them
40. If you could ask for one wish, what would it be?
To be happy
41. What do you “owe” yourself?
Nothing tbh
42. When you think of your home, what immediately comes to mind?
My gf tbh cheesy i know but still
43. How do you spend the majority of your free time? Why?
Watching youtube or spending time with people i care about
44. What did you want to be when you were a kid?
A power ranger or a spy omg 
45. What have you done to pursue your dreams lately? How about today?
Went to uni tbh 
46. What terrifies you the most?
People leaving me and being on my own
47. What are you looking forward to?
My future tbh where im married with kids 
48. Describe the greatest adventure of your life
Havent been on it yet
49. Where would you like to live? Why haven’t you moved?
Paris and money tbh
50. What have you done that you’re most proud to have achieved?
Gone to uni tbh didnt think i would but im here 
51. If you dropped everything to pursue your dreams, what would you be risking?
I wouldnt be able to live or get a job tbh
52. What is your greatest strength?
Listening to others and giving advice 
53. What is your greatest weakness?
My paranoia and insecurities 
54. What did your life teach you yesterday?
That people will always talk about you behind your back no matter if you thought they cared about you or not 
55. What have you done today to make someone’s life better?
Sorted out some money issues so my parents don’t have to stress about it 
56. Whose life have you had the greatest impact on?
My parents most likely
57. What makes you special?
No idea, I don’t think i am tbh
58. How many people do you truly love? What are you doing for them?
A few and I’ll always make sure im there for them whenever they need me
59. What bad habits do you want to break?
Biting my skin and nails and the major bad one i do
60. When did you not speak up, when you know you really should have?
many times especially concerning my sister and dad 
61. Describe the next five years of your life, and your plans, in a single sentence
Building my life with my gf and our future together tbh
62. If you spend a day watching movies when you should be working a day wasted or well spent?
Wasted omg i feel so guilty whenever i do
63. Would your life be better or worse, if you knew the time and place where you would die?
worse id always be thinking about it 
64. What is honor, and does it even matter anymore?
to me its being true to yourself and i would like to think it does 
65. Would you be a martyr and risk your reputation by standing up for what is right in front of your peers? Or is it better to be pragmatic and do nothing?
always stand up for what is right and be true to yourself and not lose yourself in fitting in with everyone else 
66. Could you be persuaded to kill someone? If you answer no, how much money would it take to change your mind?”
Depends what they did tbh and why it matters to me 
67. What would happen if you never wasted another minute of your life, what would that look like?
I’d be where i’m supposed to be but idk its never going to happen
68. Would you rather have 10 years of excellent health, or 30 years of average health?
30 years tbh the longer the better 
69. Is being open-minded a virtue, if it’s causing destructive ideas to spread throughout society?
Everyone should be open minded but not if its causing destructive ideas to blossom and spread 
70. Do you consider yourself the hero or the villain in your story?
Villain definitely i sabotage my own happiness too much 
71. How much control do you really have over yourself?
Not much tbh my head gets in the way 
72. When did you last push the boundaries of your comfort zone?
Yesterday tbh to hang out with my new mate 
73. What have you given up on?
Too many things tbh you’d probs cry 
74. Who are you really? Describe yourself without using your name, or any attributes given to you by society and really think.
Im the best person to have fighting for you in your corner and ill do everything in my being to help those who need it 
75. Deep down, who are you?
No idea, if you ever meet her lemme know yeah?
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returntopelon · 4 years
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Pam
My brother has always been my closest friend. He is easily the most loving and genuine person I have ever met and is loved by pretty much everyone he meets. Despite this, he hasn't been in many relationships. I think its partly due to the fact that he's a very "all or nothing" type of guy. When he falls he falls DEEPLY and BLINDLY. A blessing and a curse, I guess.
Anyway, the few girlfriends he's had, I've known quite well, despite being nearly 8 years younger than him. Most of them have been nice, normal, pleasant girls, with the exception of a few. We had high hopes that he'd settle in with a long term, wonderful girlfriend as he entered his adult life. We had no idea we'd spend 6 years sharing a hell with him, our family and our close friends, all by the hands of one girl. I'll call her Pam.
I met Pam when I was 11, my brother 19, and she was 17, graduating High School. I remember being surprised to have him introduce her right off the bat as his girlfriend, since neither my parents of I had heard anything about her. But, she was kind, warm, an honor student and beautiful. I admired her immediately.
For the first year of their relationship, Pam never seemed off. She was always happy, always kind and always had good stories to tell. She and I grew closer, as she seemed eager to bond with me and it was like having an older sister. We shared many of the same interests and friendship came easy between she and I, as I was mature for my age and she was so inviting.
But halfway through their second year of dating, we started noticing things about Pam. Just small, odd habits she had.
If someone was having conversation with my brother that did not directly involve her, or that she wasn't a part of, she tended to insert herself as best she could; sitting closer to my brother, laughing a little louder, calling him away, etc. If any of our family or friends would ask my brother questions about college or future aspirations, she'd grow increasingly uncomfortable and sometimes made comments like, "I hope you have it all planned out, 'cause I'm goin wherever you're goin".
My parents and I would chuckle about these behaviors, assuming that Pam just loved my brother and was a bit protective. We liked her a lot and had high hopes for their relationship. I hate to think now how blind we were.
One night, my brother came home late from a party, I was 13 at this time, he was about to turn 21. He walked in the door, our parents were already asleep, but I was up in the living room. I could immediately tell he was upset about something. I asked him what was wrong. As he walked into the kitchen I realized he had a large welt on his cheek. I asked, "What happened to you?"
He said, "I got in a fight. Its cool." This immediately raised suspicion as my brother was as far from the fighting type as you could be. "I fight over what?" I asked. "Pam." He said simply and went to his room
The next morning he was driving me to my soccer game and I pried again about what had happened. He didn't answer at first but then said, "Pam is kind of... Weird." I asked how so. He said "I don't know, she likes to start things."
Pam was a pathological liar. Apparently, she did it all the time. Looking back, the constant new stories of places she'd been and things she'd done didn't seem to be truthful. That night at the party, Pam had told my brother that another man at the party had attempted to rape her. My brother, being the man he is, confronted him and he said "I've never even seen her before." And a fight ensued over the accusation. On the car ride home, Pam said that my brother must have misinterpreted her words and that nothing close to rape had occurred.
The lying seemed to be a detrimental bump in the road, and my brother broke things off.
After several weeks, Pam contacted me asking if I wanted to go shopping with her. Having had a good relationship in the past with Pam, I agreed. My parents thought it was strange that a 20 year old wanted to spend time with her ex-boyfriend's 14 year old sister, but they let me go anyway.
The day started pleasantly, Pam caught me up on her life and asked how I was/how my family and brother were. Nothing seemed strange, until she began to bring up uncomfortable conversation. She explained to me that she had had a sexually traumatic childhood and thats why she lied so much. But she also aggressively defended herself saying "Whatever your brother told you was a lie. He was the one telling lies. Thats why I had to breakup with him". She seemed to jerk around the conversation from normal to deeply personal and strange topics. She explained in detail a lesbian experience she had had after ending her relationship with my brother and told me that I should try it, when I came of age, of course.
I became increasingly uncomfortable with the conversation. She noticed and immediately apologized, saying that she really liked being my friend and that she loved my brother and thats why she was acting so crazy. I told her I liked being her friend too and that I understood her feelings. This was a mistake
This is when the phone calls began.
It started with just one. She called me a week after we had hung out at 10pm. She was sobbing and saying that she was so sad without my brother and that she needed to get him back.
Then they happened nightly, later and later each time. I'd be dead asleep at 2am and receive a sobbing, hysterical and desperate phone call. I felt so much pity for her that I continued to answer.
One call was different than the other, though. She wasn't hysterical, she wasn't crying. I picked up the phone at 1:30 in the morning and heard a level voiced, monotone Pam. She said one sentence, "Tell your brother I'm going to slit my fucking throat tonight." And then she hung up. I felt numb. I had never experienced that before, no one I knew had ever behaved that way. I texted her over and over again asking if she was okay and telling her to not do anything. I panicked, I thought I had done something wrong and that since she told me I would be responsible in some way.
The next day, I told my brother what had happened and he said he'd go to her house to check on her.
A week later Pam arrived at my house, arm in arm with my brother. They had gotten back together and seemed as if nothing had happened. She smiled at me and never once mentioned the phone calls she had made to me.
The next month is when things escalated again.
I came home from school to my entire family sitting in the living room. They told me to sit down, I thought someone had died. My mother told me, "Your brother let us know how you're feeling." I had no idea what they were talking about. "Feeling?" I asked. My brother looked at me with pity in his eyes, "Pam told me that she wasn't the one who called you, you called her. And you're the one who wasn't feeling well." What the fuck. "No, thats not what happened, she called me every night for 2 weeks crying and saying she wanted you back." "Thats not what she said, she said that you called her with your problems and that she wasn't sure what to do." I was immediately angry that her lies were continuing and that my own family believed them enough to stage an intervention. I showed them the text messages she'd sent me, played them voice messages and showed my call history. That put and end to that lie.
After that I wanted nothing to do with her. My brother broke up with her again. She called him hundreds of times and sent hundred of messages. She showed up at our house a few times with baked goods, wanting to apologize, but we ignored her. Eventually, she left us alone and we didn't hear from her for almost a year.
On my last day of class before winter break during my Sophomore year, I walked out of school and was met by an incredibly unwelcome surprise. This is where things got scary.
Pam was pacing in the front of the school, biting her fingernails and scratching her head. Her face looked sunken in and she had bags under her eyes, I almost didnt recognize her. I began to cut across the front lawn with my friend, Liz, to avoid her, but she saw me and walked as fast as she could in my direction. She outreached her arms for a hug, but I stopped.
The first thing she said was "You're mad at me?". I asked her what she was doing there and she laughed quietly. "I wanted to apologize for whatever your brother told you. I'm sick, Oz." She used a nickname only my brother called me. "I know. Please don't talk to me anymore." I started away, knowing my brother was parked waiting for me around the corner. Pam reached out and grabbed my shoulder as I did. I quickly pulled away and said "I'm serious. Leave us alone, I think you need some help, Pam." She immediately began to cry, but I turned away and left. My brother pulled into the front parking lot of the school and opened his car door for me. "Is that fucking Pam?" He looked through his front mirror. "Yeah, I don't know what she's on, but she's crazy".
That night, at around 1 am, there was a knock at our door. My dad went to it and looked through the peep hole. "Uh," he said, surprised, "I think its, what the fuck, I think its Pam." "Don't open it, I think shes doing drugs." My brother said. My mom wanted to call the police, but my brother and my dad said we should just wait until she went away. A few moments later she rapped on the door harder and more violently. We heard her wailing and yelling "I hear you, fucking let me in!" As she cried. "She has a baseball bat or something" my brother said, coming from his room where he'd looked out the window. I looked from the den window. She looked like something out of a horror movie. She was wearing a grubby dress, bare footed. Her hair had been cut to above her shoulders and was in a wild, halfway in a bun, halfway out mess. She had wiped her makeup down her face like a ghoulish movie character. She looked even thinner than she did in day light and she swung a metal baseball back around as she stumbled about our yard.
"I'm calling the police, she must be drunk." My mother said. "No, it's fine. She's just giving a show. She'll leave." We didn't know people actually behaved like this. It was all eerily entertaining for a moment, like watching a true crime show. But just as she had been manically stumbling around, she stopped. She stood still, staring vacantly up towards the upstairs bedrooms, tilting her head side to side, up and down and licking her lips. "What is she on, heroin or something?" My dad asked.
Pam began to shift back and forth between laughing and yelling and crying. We all sat down as my brother tried her phone and her mom's phone to try and get her to leave. We sat there and listened to the frightening, animalistic sounds of her outside. But then they stopped. We checked the windows and she was gone.
We all sat in silence for a moment, taking in the strange encounter. My father just chuckled and shook his head, my mother shook hers, pitying the girl for being so disturbed. But I was frightened. No one, except perhaps my brother had seen just how quickly her demeanor, her mental state unraveled. From overprotective nature, to small lies, to pathological lies, to full blown manic outbreaks. But this was her worst and we didn't expect anything more to come of it, that she'd fade away from our lives since now she knew we weren't giving in to her desperation.
But in the next 2 years, we learned how wrong we were.
After the wintertime incident at our house, Pam stopped coming around. She was still very present, however. Every member of my family endured daily text messages and phone calls. They ranged from apologetic and stable, to incredibly distraught or outraged, cursing and making threats. I remember wanting to sleep with the lights on for several months after the incident, afraid that she'd climb the fence of our back yard and I'd find her standing at my window with the same vacant, crazed look she had that night in our front yard. All four of us eventually decided to have our phone numbers changed and block her from our devices and social media accounts. She still had our home phone number, however. Pam left some of the most frightening and haunting messages I'd ever heard. I can remember standing in my kitchen with my family, my brother playing the messages back for us. One stood out-- it showed us just how unstable and potentially dangerous she was:
My parents and I had returned from an early morning indoor soccer game in February of 2015. My brother asked us to come into the kitchen because we "had to hear the new crazy" Pam had become. The first message was about 30 seconds long and received at 12:30am the night before. Pam sound mildly angry and demanded that we return the batch of cookies she had brought to a 4th of July party, some years ago, because she didn't want us to have them anymore. We all exchanged humored glances at how ridiculous of a request it was. My mother turned to leave, amused, but my brother stopped her, saying that that wasn't the crazy part. My brother played the message, received at roughly 3 in the morning that day. We were confused at first because the first 15 seconds was that white noise, the kind you hear when a device plays the sound recording of an empty room, if you know what I'm talking about. But all of a sudden, in a deep, animalistic and enraged voice, she screamed, "Stop FUCKING playing with me... You're gonna get it." and abruptly ended the call. We were all startled by this.
"I want to call the police, they need to know... that girl isn't all there and who knows what she can do." My dad decided that if anything physically happened again, we'd file a report with the police, but that they were just phone calls. My brother assured that she was all talk and wouldn't come around again. At this point I agreed with my mother. I no longer felt safe. I had never been around someone who behaved like this. I was constantly anxious and I had no idea what I'd do if she came around again. I felt like I was stuck in a Lifetime movie, because I didn't think that things like this happened-- that someone I knew so personally could be hiding such a deeply withheld, violent and manic side. It had always been there, but we set it in motion.
After disconnecting the land line, the personal phone calls stopped. We didn't hear from her ourselves, but some of the friends my brother shared with Pam would come to him, saying that Pam wanted to speak with him and that she would call and message them regularly wanting his phone number. Luckily none of them gave it.
Just before summer, Pam disappeared.
No one got any messages, no one saw her in town. Nothing. Nothing until my brother received an email from Pam's mother, who my brother continued to speak to occasionally. She informed my brother that Pam's family had moved her to the east coast to undergo treatment for a drug habit.
Pam's mother had given us more information about the mental state of her daughter. Her mother had not spoken to or seen Pam much during the time she unraveled, when she came to our house or when she'd made the phone calls. Pam's mother had been under the impression my brother was still in a healthy relationship with Pam, and only learned about their breakup and the incident's following it. She explained that her daughter had always had been a white liar; making up stories that didn't make sense, blaming others for things she had already been caught for, arguing the truth of things that were already proven facts. "I don't think she ever thought that anything she did was wrong, even when it was. I don't understand it, because she was not raised that way," she had explained to my brother. Pam's issues were something that had always been present, but settled comfortably beneath an intelligent and attractive exterior. She'd fooled us, and maybe even herself.
Without Pam to worry about, our lives seemed to go back to normal; I still looked over my shoulder every now and again. But, I was preparing for 11th grade, my brother was beginning a new career and dating a new girl, the daughter of a close family friend, who he'd grown up with. Pam started to fade away from our minds. For a while.
As myself and my friends began to drive, I remember noticing a car quite a bit. You know that car you see repeatedly around the area you live in, you notice it more than the others, because you noticed it once and now you can't stop noticing it since you know it exists? You know it belongs to someone, but you've never seen the driver, just the car? It was like that. I'd notice it out of the corner of my eye at a stop light, or out the window of a restaurant as it drove past. I didn't think much of it, but I noticed it pretty much every time I was out; walking, driving and many times with my brother. I didn't understand how often I'd seen it until one day it clicked, and it startled me. It scared me. I saw it parked in my neighborhood and I remember thinking, 'That's that fucking car. What is it doing here?'... We lived in a smaller, older neighborhood. Most of the people who lived there had been there for a long time. We knew a lot of the neighbors and houses were pretty much never on the market. New people showed up maybe, once ever 5 or so years, and when they did, most people knew about it. So an out of place, but oddly familiar car came as a huge surprise to me.
I pointed it out to my brother, who had been in the car with me at the time. He said "Oh yeah, I've seen it a few times." I didn't feel right about it, but I assumed I was being paranoid.
A few months later, I was well into school, had a job and was too busy to let myself worry. Even though I did.
One day at work, I was wiping down tables in the front of the restaurant, as it was a pretty slow day, only a few people in the store. I remember seeing someone standing outside the front doors, just barely visible out the window. I was busy and assumed they were deciding where to have lunch, as another restaurant was directly next to ours and people did this often. They weren't there anymore and I assumed they'd gone next door. I went out to clear dishes off the front patio and clean up and I saw them walking away from the store, down the strip of businesses in the plaza. Back inside as I worked, I noticed the same person walked back and forth several more times. I was wary at this point as the person seemed to linger for about an hour. I didn't think anything of it afterwards, though.
I was a theater student and had to take some time off for a play I was in. Come opening night, I was so burnt out, I didn't notice anything, even if it was out of the ordinary. My family came opening night, the 4th show and closing night. Leaving with my family from the 4th show is when I snapped back into my anxiety ridden reality. That car was in the parking lot. It was parked a few rows away from my parents' car. I had never seen it at my school before and I knew it didn't belong to any of my castmates. "What does Pam drive?" I asked my brother. "Pam? I don't know, why?" "That stupid car, it freaks me out. Its like, everywhere we are."
A few days later, I had an answer.
At closing night of my show, I went out into the lobby of the theater to greet everyone when we finished. I hugged my parents and my brother, but I noticed that they all looked distraught. My brother was visibly upset and my parents were trying to make conversation, the way they do to avoid something. "What happened?" I asked. "Uh, Pam. She was here." I sort of felt the color run out of my face. I didn't know how much what Pam had done had frightened me until then. "Did she leave?" "I don't know," My brother said, "don't worry about it."
I went and got my things and remembered how strangely violated I felt. That Pam had watched me for the past two hours without me knowing she was in the same state, let alone the same building.
I decided to go home straight away. We left the building and there she was. She was looking at her phone, standing at the mouth of one of the hallways in front of the theater. I stopped for a moment, but the four of us decided to walk as hurried as we could towards the parking lot, hoping to ignore her and breeze past her. She looked different; still skinny, but she wore makeup again. From a distance she looked almost like the old Pam. But as we got closer, she looked up from her phone and still had the vacant, animal quality to her face. A bit of anger flashed over her face as she noticed us. She looked like she was going to say something, but we all pretended to not notice her and continued on. She followed closely behind us, "Hey, wait a minute." At the front of the school, my brother stopped as we kept walking. I heard him say, "You need to stop." We got to our car and watched them talk from a distance. I wanted to get in our car and leave. My mom and I got in while my dad stood outside. Pam was yelling at my brother at this point. He made his way towards his car. Pam smiled artificially and waved towards my brother, shouting a goodbye to him as he went before storming off to her car. My brother stopped to talk to my dad a moment, got in his own car and left after Pam peeled out of the lot. In the same car I had been seeing for the past month and a half.
"Welp, just as crazy as ever." My dad said as he started the car, "We may need to call the police." We lived a short distance from the school, but I was shaken up and wanted my dad to drive as fast as possible. Every headlight we saw chilled me. I stared at my phone trying not to look out the window. I nearly dropped it.
We reached a street convergence in our neighborhood, at the stop sign to the right of us was her car. "Dad that's her." He drove straight and she turned the same direction. "Dad she's following us!" I had never felt quite so panicked. "Call the police, please." My dad said to my mother, his voice as level as ever. I stared out the back window, ducking low in my seat. My dad turned down another street and she followed again. "I'm gonna go in a circle, to see if she follows us, okay?" my dad said. I was crying at this point as I came to a realization. For 4 more turns, my mom spoke to a 911 operator, unable to accurately name streets, as they were not lit and it was pitch black outside. I laid across the back seat listening to my parents yell at each other, frustrated and I'm sure frightened, and my dad curse as she continued to follow more closely. The car was flooded with light as she turned on her brights, the grill of her car almost touching our bumper. My dad turned to mirror away to keep the light out of his eyes and sped the car up. Eventually the light was gone and I could no longer hear the drone of her engine behind us. She was gone.
We got home 10 minutes later and turned every light in our house on. My dad checked every closet and our back and side yards, carrying his gun with him. "She's been fucking watching me and [my brother]." I was almost hysterical in my realization.
For the past month, Pam had been stalking both my brother and I. Seeing that car had not been a coincidence. She knew what we were both doing; she came to my school function, on both nights my family was there (maybe all three nights). She knew where I was; she had followed me all over town, she'd been around our neighborhood and had been her lurking around my work place.
All of a sudden the threats became real. Pam was no longer afraid of crossing boundaries, if she ever had been. We were now in the middle of a full blown nightmare. My family was no longer safe. She had gone away to cure one disease, but returned having fed and grown another. She was our personal terrorist with the power to single-handedly pull our everyday lives apart. And she had already begun to do just that.
What may seem like the plot of a bad horror movie-- the psychotic ex-girlfriend reeking havoc-- became our reality, times ten. I cannot express to you how terrible it is to be kept awake by something you cannot see, but you know exists and is waiting for you when you get out of bed. I never expected a human being could terrify me more than any horrible monster or boogieman-- those things don't exist. I'm sharing this ordeal to help others understand warning signs and pressure those who see them to take action to protect themselves.
Despite the terror of that night, this was only halfway year 5 of 6. And things would continue to approach a boiling point.
After we told my brother about what Pam had done the night after my show, he finally began to confide in me the details of his relationship with Pam. She had come to his high school as a sophomore during his senior year. She immediately caught the attention of my brother and his friends, as she was beautiful and expected to be reserved as a new student. However, my brother recalled his female friends saying she was aggressive in trying to make friends and liked to talk about how her family had moved here from an affluent community in Texas, so elite that it didn't have a name. Many of his friends also had gotten strange vibes from her and pinned her as a "weird, snobby girl" right away. My brother met her again a few years later when she came in to where he was working at the time and said how she had seemed to mature vastly. He took her on one date and almost immediately she wanted to officiate their relationship. He thought it was a bit forward, but didn't hesitate because she impressed him with her elegant way of speaking, kind words and pretty face.
However, he noticed red flags only a few weeks into their relationship. Pam was very insecure: constantly asking my brother if he still had feelings for her, if he was angry with her and if he thought she was attractive enough. Eventually this insecurity took a different shape. Pam would send my brother unsolicited nude pictures of herself in the middle of the day attached to messages asking if he still liked the way her body looked. If my brother went a period of time in their conversations without calling her "beautiful" or telling her how nice she looked, Pam would point this out. If he protested in anyway she'd become emotional and claim he didn't love her anymore.
This behavior mellowed until the end of the second year of their relationship. This is when the narcissism became apparent. Pam would often talk lowly of my brother's previous girlfriends and female friends, boasting about how much more attractive she was than them. Pam refused to attended several of the events my brother asked her to go to (like my birthday dinner or our Aunt's funeral) because she "Wouldn't know anyone and would have no one to talk to". She also enjoyed referring to herself as a "princess" and wanting to constantly be doted upon. She often argued with my brother about him spending time with his friends without her because she didn't understand why he wanted to be around anyone but her. She was 100% convinced she would one day be a celebrity and marry my brother. (At this point I was in disbelief that my brother, a smart, kind and good looking man was wasting any more of his time with a girl who behaved like that.)
However, anytime my brother hinted at wanting to end the relationship, Pam would fly off the handle, becoming belligerent and promising to kill herself. My brother was trapped by the fear of her harming herself. He'd often think that she was simply bluffing and wouldn't actually do anything, but one day he discovered several bottles of prescription pills in Pam's home. He asked her about them and she told him that they were antidepressants prescribed to her after the death of her brother (a brother who he later found out never existed).
Eventually Pam began to become angry when my brother would want to spend time with his family without her around. He also told me that Pam fixated a lot of that anger on me. Once she proceeded to refer to me as a "slut" and made comments and theories about how my mother must have had an affair of which I was the product, because I was so ugly and my brother was not, so my brother decided it was time to end it no matter what. This information troubled me, as all of her actions following that (asking me to spend time with her, she wanting to be my friend, showing up at my school and the phone calls) seemed heinous, ill-intended and even more psychotic than they had been at the time.
But for the final year and a half of our ordeal with Pam, psychotic could not begin to explain what she did to us:
I slept little in the weeks following the car incident. My brother, who lived across town, visited and called more regularly. I suspected he felt as uneasy as I did. The nights I did sleep, I often sweat through nightmares of girls with axes or gowned women standing at the foot of my bed or in my window. One night in early December of 2015, it was a rainy and particularly windy night. I wanted to let the cold air in and I thought that the sound of rain would help me sleep, so I cracked the window only enough to where it could reach the second latch. I also placed the piece of wood my father had cut to help with security behind the window. I pulled my curtain in front of window, leaving the cracked part of the window uncovered to allow air to pass the heavy blackout curtain. I remember waking from sleep, vaguely hearing a foreign noise against the roof out my window. My room was on the second floor of our house. Our house had 3 levels and the "second story" was only 6 or 7 steps up from the primary floor of our house. All of the spaces where different levels, but the bedrooms where the highest, slightly lower than they'd be in a classic 2 story home. What I'm getting at is that my room was hard to get to from the outside, but not if you were aware of the parts of our home and the access points from other roof levels over the living room and garage.
I shook the noise off, as it was storming and I thought maybe some leaves or branches were moving around. I turned over to face the wall opposite my window. Not even a second later my room was illuminated by a surge of white light. I shot up in bed. I was momentarily paralyzed with horror. Every one of my limbs felt as if they were floating as I tried to make sense of what had happened. Then, again, myself and every item in my room became a black silhouette as another flash filled the space. I threw the blankets off of me and ran as fast as I could down the hallway. I was screaming so loud I surprised myself. I ran into my dad as he threw open his bedroom door. He was panicked and held me by my shoulders in the doorway to their bedroom and yelled at me to tell him what was wrong.
"Someone was taking pictures of me through my window!"
The roof and house was checked and they, of course, found nothing and no one. My mother sat up with me and asked every basic question a parent asks "Were you dreaming? Are you sure it wasn't lightening?" There was no thunder and I was sure that there had not been at the time it happened. The flashes did not have the same hue as lightening did. I had taken enough cell phone pictures in my life to identify the flash of a camera. I don't know if they believed me then, but I would eventually have proof that would astonish them.
My brother adopted Ike in January of 2016. Ike was a 2 month old Chesapeake Bay Retriever with one gold eye and one green eye. He had a very distinct white marking on his chest that looked like an hour glass and a white sock on his front left paw. Ike was the love of my brother's life, aside from his now fiancee, Kara. Ike would end our torture just 3 months later.
The holidays and my brother's engagement to Kara, who was amazing, beautiful and who's family we had known all our lives, had lifted my family's spirits immensely. My brother was starting his family, almost done with the police academy and seemed untouchable by any memory of Pam. We felt optimistic for the first time in a long time, Pam hadn't been around (to our knowing) in several weeks, all was normal and things were looking up. But that, again, didn't last.
A month or so after bringing him home, after letting him into the backyard for a few minutes by himself, Kara told us that Ike had escaped from the yard. She panicked and ran around the neighborhood looking for him. She got in her car, called me upset, and drove around the block looking for him. She picked me up and I helped her look in the creek area behind where my brother's house was. We couldn't find him. However, when we arrived back at my brother's house, Ike was sitting on the front porch. We were relieved as he was unharmed and seemed to be as happy as ever, despite missing his collar. I helped Kara check the yard for ways he could've gotten out. We both decided he must have shimmied through a small gap in the gate on the side yard. I couldn't help being confused to find no grass or burs in his fur.
We thought nothing of it.
A few weeks later, both my brother and Kara were going on a weekend trip with some friends and I offered to take care of Ike. They dropped him off on the Friday before the three day weekend. Ike was happy to play with our older lab, Dez. The second night he was with us, I was out with friends and my dad had let both the dogs into the yard at around 8pm. He sat in his chair in the living room watching a show with my mom. They say they remember hearing Dez barking because he yelled for him to be quiet. But they assumed the puppy was riling him up. A few minutes later Dez came to the door to be let in. He ran inside and barked at my dad. My dad was confused, as our dog was not a regular barker. He called for Ike but he didn't come. My dad went out and looked around in the bushes and still did not find him. He became concerned and hurried into the house to get a light. He checked the swimming pool and still did not find him. My mother joined him and they both scoured the large yard but did not find him.
When I got home, they had just finished searching the front and side yards. I told them that he had escaped once before, so we decided to take the car to look for him. As we drove around yelling for him, attracting the help of a few neighbors, I thought how strange it was that such a well behaved puppy had suddenly become a master escape artist in the past three or so weeks. Our yard had seen 3 or so dogs grow up in it, some younger and smaller than Ike, and we had never had that problem. The fences were high and well built and my dad had replaced the ones on the side of the house just a few summers ago.
We did not find him.
I hoped that he'd return that night, like he did last time, but he didn't. I informed my brother on Sunday and proceeded to look all day in surrounding areas, the pound, shelters, vet clinics and even looked to the sides of roads from bodies. We found nothing.
My brother was heartbroken. I helped him make fliers to post in our neighborhood and his.
A couple weeks past and we heard nothing.
My dad was doing yard work in mid-February. He came in after a few hours and he set something on the kitchen table. "What's that?" I knit my brow as I saw it. "It's Ike's collar, it was in the front yard, I almost hit it with the mower. You'll have to take it to your brother." It was Ike's collar. His first collar. Not the one he had been wearing the night he went missing from our yard. It was his puppy collar, which he had lost the day he got out of the yard at my brother's house.
I called Kara and asked her if they had found it, and she said they hadn't and had bought him a new one.
That's when it clicked. Someone had stolen my brother's dog not once, but twice.
I told my brother, Kara and my parents my theory and it was not a difficult one for them to understand. It had to be connected to everything else.
Right when we thought she was out of our lives...
We decided to take it to the police to add to our case file on Pam. I also told them about the night I had been photographed from my window. The police, like many times before, told us they could not do anything, as there was no proof she had done any of these things.
Frustrated, defeated and frightened again.
But a few short weeks later, in April of 2016, new developments would finally end it all.
By complete, God-sent coincidence, Kara was with her mother in a small town 45 minutes away from ours. We were planning for my 17th birthday that month and so preoccupied we almost put Pam and the fact that she undoubtedly had been watching us for months and had stolen, probably killed, my brother's puppy and thrown his collar in our front yard to help us connect the dots and give her credit for the crime. However, while Kara window shopped in the center of the town, she and her mother noticed a car parked on the street. A car with a puppy in it. It was a bit warm out, so they walked to the window and peeked in at the animal. Kara immediately recognized him by his eyes and the marking on his chest (and the fact that he began crying as soon as she called his name and he saw her).
She phoned the police, phoned my brother and sat on the back trunk of the car. The police arrived as the owner of the car came back to it. The girl was immediately upset by the presence of the police and Kara's angry accusations. The girl was not Pam, and she became rather helpful. The girl said that she had purchased the dog only a few days ago from an add online. She told police that the girl she purchased her from was "super shady" and eager to get rid of the dog who was skinny and a very cheap price. The girl who had sold her the dog claimed that she "didn't want the stupid dog, it was a present from her boyfriend, but it was the wrong kind". Pam had always liked small dogs. She told the police that she had met the girl to purchase the dog at an apartment complex a few minutes from where they were, but that she wasn't sure what apartment the girl lived in.
The police, after Kara had informed them of our situation, used Pam's name to find out that she indeed lived in the apartment complex with two roommates. They interviewed Pam's roommates the next day, but Pam was not there. They told detectives that they almost never saw Pam, her room was always locked and she was almost always gone. She didn't have a job, though she claimed to have one, and her mother was there a lot checking up on her and dropping off her rent to them. However, when they did speak to her, she talked a lot about her past relationship and switched between how much she loved him and his family to how they all "deserved to die" and were "going to hell".
With the information given by the girl who had purchased Ike and by Pam's roommates, the police finally had sufficient evidence to search Pam's apartment. I don't know much about what they found, but what I do know horrified my family and horrified me. On Pam's computer they found hundreds upon hundreds of pictures of my brother, my parents, Kara and of me. Our cars, our houses, my school, my brother's school, of Ike. Pictures taken through our windows at night. Picture of us sleeping. Photos taken from our social media of vacations, the picture of my brother's proposal to Kara, she had even doctored herself into some of them. She still had pictures of her and my brother and her with my family up around her room. She had kept Ike in her closet for weeks on a towel and with just water and little food. In her search history they found everything from rape-fantasy and other violent pornography to weapon research.
The police now had sufficient evidence to arrest Pam.
Pam had been obsessively stalking my family for more than a two years. She had stalked us from her car, following us around town. It had been her snapping photos of me from the roof outside my window. She had watched my brother drop Ike off at our house. She had documented her opinions of us, our habits and her plans in a journal which we will not get to see until the case is taken to trial next month. My brother, myself, my father, the girl we found Ike with, Pam's roommates, several of my brother's friends and Pam's mother will testify against her. It will be the first face to face interaction any of us will have had with her in many months and I am terrified.
And I'm angry. I'm angry that an evil, narcissistic, malevolent, psychotic parasite like her had latched onto my brother, onto my family and single-handedly stripped us of our security, our sanity and our trust. Every creak, every bump, every unknown face and every vehicle following too closely will send me into a tailspin of dread and I'll see her again, standing in my front yard in her dress and looking up to the sky with a vacant, animalistic gaze.
My life became a real horror story. Not because of a haunted house or because of an ax wielding murderer. But because of a sick girl with a broken mind and a fixation on something unobtainable. I'm 17 years old and I've experienced an ordeal most will read and think is a sad attempt at a thrilling fiction post. My family is healing, I'm healing and she did NOT break us.
I hope that this story helps anyone who has gone through something similar feel not so alone. I hope that those of you who read this and think of someone who shows the same warning signs as Pam did, are now prepared to take action to protect yourselves. Don't wait until things get as bad as they got for me. Be aware of the power of mental instability and the danger behind it.
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ventingoutmyass · 6 years
Text
9.10.18
Ten days will mark two years since I took my life back. Two years since I made the decision to end my pain.
I've talked many times about the toxic relationship I was in in 2015-2016. But I've never told the story.
Let's go back to March of 2015. I met this girl in my first hour class of my junior year. Across from me sat this jaw-dropping, beautiful girl. Long blonde hair, bright blue eyes, 5 feet of sass and charisma and personality. She was a preppy, popular girl with boys all over her. And yet, she took notice of me. I was awkward and quiet and didnt quite know how to dress or wear my hair. We starting talking and for about a month, things were great. I had started my first relationship and I was so excited.
In April, just like in every high school, prom was on everyone's mind. For some reason, I had decided that I didnt want to go to my junior prom. A couple days after telling her this, she was asked to the dance, in the class we shared, by a boy who was a friend of ours. I watched in horror as he played out this huge show and asked her. And I watched her say yes. My heart was breaking and I was physically shaking and I kept telling myself, "it's okay, hes a nice guy, he will treat her well". For the next three days I had this feeling like I had been punched in the chest, I couldn't breath right and it physically hurt. It was the first time I experienced emotional pain physically, and the first time that pain continued the next morning. And the morning after that. Two days later, she told me she wanted to just be friends. Until this point in my life, it was the worst pain I've felt in one single moment. The next morning was the first time I smoked a cigarette. A price I'm paying to this day.
I decided to go to prom after that. Even if I couldn't be her date, I could at least spend a few minutes with her. The three of us actually ended up going sort of as a group, so I spent almost the entire night with her. We didnt get the dance to the song we wanted to, but I spent the night at her house that night. It was purely sweet and innocent, I cant tell you how happy I was to sleep next to her, to cuddle her, to wake up next to her and eat breakfast the next morning together with her family. I had the first taste of what a relationship was. I call this point in our relationship, the first peak.
Summer break came and I was excited at the opportunity to see her all day long some days if we wanted. To spend days together and eat meals and create memories. Although she lived three streets over from me, a five minute walk, I didnt see her until school started again.
In fact, I didnt see her again until the fourth day back. You see, when I talk about this relationship, I tell people that we lived very close, we were practically neighbors, but it was a long distance relationship. We rarely saw eachother besides the first two months and the last three. We never saw eachother, but we texted and used snapchat every minute of everyday to talk to eachother. I saw her for the first time in almost three months. It shouldn't been happy and we should've been excited but, it was more awkward than anything. We shared a small hug and a hello and went about our days. I still have the screenshot somewhere of the message she sent me that afternoon about how she wanted to cry and jump in my arms but just... didn't. I think that set the mood for the rest of the relationship.
Between that August and Jaunary 2016, it was a constant cycle of fighting followed by a few days of silence and making up and fighting a couple days later. It was non-stop for about five months. So on Febraury 1st, we decided to take a break. We agreed to take a little time apart and come back together in a few months. In February we each went on a date with someone else, and while I lost interest in the person I was talking to, she didn't.
The exact date was January 26th, this was the day I first noticed I was having suicidal thoughts.
In late March we began talking again. She told me she had a new boyfriend, but not much more than that. While I knew his name, I had never met him or even known what he looked like. As our relationship started back up, her boyfriend became sort of the elephant in the room. He was very much there, but rarely talked about.
This girl was very insecure, especially about her sexuality. She wanted to keep me a secret, because she was in the closet. Which dont get me wrong, that's perfectly fine! She refused to put a label on our relationship and never once said the word "girlfriend". She never made an effort to see me and whenever I made a suggestion to see her she made excuses, she never posted about me on any social media even as a friend. But as soon as this boy was in her life, she was all about him. They saw eachother all the time, met each others family, posted pictures hanging out and kissing every week. And whenever she had a complaint about him, she came to me.
The entire time she told me that he was a beard, for show, to say "I'm not gay, look at my boyfriend!" And for some reason, my depressed ass decided it was easier to believe it than to lose the girl I had fallen head over heels in love with. So I stayed. I stayed, and i suffered because of it.
They went to prom together by senior year, I had a single, 30 second interaction with her the entire night. I told her goodnight as I was leaving and she asked for a picture with me. So she handed her phone to her date, and he took a picture of us. She kissed me on the cheek, and I walked away, following my friends to an afterparty where I hoped to get so drunk that I would forget the night. We never found that party... So instead I got high in my driveway and sat at home crying while my friends were asleep on the floor around me. This prom night might've been just as painful as the last, but I didnt have her in my arms at the end of the night.
The following summer was... interesting? She finally came around to making sure to see me, since I wouldn't be at school the next year. In July of 2016 she told me about a four-day job she had to dogsit for a family friend. So behind her family's back, (who hated me by this point for "corrupting their daughter" and "ruining the relationship she has with this nice boy") she invited me to come with her while she visited the empty house for a few hours a day. These four days were by far the happiest we'd been the entire relationship. We kissed for the first time and we were intimate and it was honestly amazing and I had felt truly happy for the first time in over six months. The next few weeks were full of love and happiness, this was the true peak of the relationship. Her family started to warm up to me and I was invited to family parties and we were spending more quality time together than ever before. I thought it was genuinely getting better, that it was just going up from there. But there was one problem, she still had a boyfriend. The same story continued as I continued to suffer in silence at the idea that he was only for show, that she was just using him to make her family and friends happy. That she plans to break up with him and the right time hasn't come up, for months.
That story came to a halt on September 20th, 2016. She revealed to me the lie she had kept for an unknown time, possibly the entire time, that she was serious about her relationship with him. She told me "We are doing well, we aren't fighting, I'm going to stay with him". I can't say that I was heartbroken. By this point, I was in such constant pain, it felt like any other moment. The thing that possibly saved me, was that four days prior, I felt better. I continued to feel better for four days in a row. So I said enough was enough. Of course, I gave her a piece of my mind, and I left.
That was the day I began my recovery. In September of 2016, I was a walking body without a person inside of it. I was nothing of a person I once was. And I saw an opportunity. Since I have to rebuild and recover and became a person again, I decided I didn't want to be the person I was before. I didn't want to be the person I hated so much that I nearly killed myself over. I recreated a new person to be proud of. And who I rebuilt is who I am today. And while I still live everyday with the trauma that those days left me, I wake up every single morning, grateful for the person I am and the life I have and the strength I was able to gather from my support system and the rubble of who I once was. I am thankful everyday to live this life and to be surrounded by people who genuinely love me and care for me.
Without this relationship, I wouldn't be who I am. Not even close. I was torn down to nothing and I was able to create the person I always wanted to be. I learned my lessons and I learned to appreciate and I know how I deserve to be treated. I'm able to carry these lessons on for the rest of my life and to relationships for my future. And I have lots of poems to show my success
This tragic story had a happy ending.
💚💚
I'm on the road to recovery and I'm finally going the right direction
-508 September 18, 2016
I found a home away from home in your arms only to find out that sweet escape was nothing but a cage
-518 October 15, 2016
Sometimes I still miss you. Not even exactly you, but the idea of what we had. I miss always having somebody right at my fingertips, somebody who made me feel whole.
-523 October 29, 2016
In three months I've hit rock bottom and climbed myself to the highest point I could reach
-531 November 22, 2016
I'm still struggling not to think about her every minute of the day
-539 January 6, 2017
Don't cling to a mistake just because you spent a lot of time making it
-550 April 5, 2017
All I want, is to feel nothing next time I see you
-556 April 20, 2017
It's okay if I'm not your favorite chapter you have written, but I hope you sometimes smile when you flip back to the pages I was still apart of
-569 August 12, 2017
I am in love with life and it's potentials
-574 October 17, 2017
Now that I know what it means to be dead, I can start living again
-579 November 5, 2017
Remember when you wanted what you currently have
-590 December 23, 2017
There's a person who once knew everything about me that there was to know, but who I was then has been burned alive. And I am thankful with every breath that I take, that the one who burned me, will never meet who I am today
-597 January 26, 2018
There will always be a reason why you meet people. Either you need them to change your life or you’re the one that will change theirs
-602 March 17, 2018
This may be a sad chapter, but you are not a sad story
-624 June 28, 2018
You haven't been through all that just to give up now
-627 July 14, 2018
I'm warming my hands on the bridges I've burnt
-633 July 30, 2018
The bravest thing she ever did was to stay alive each day
-634 July 30, 2018
We are always in recovery
-638 September 3, 2018
There's more to life than spending every day wishing you were dead
-641 September 3, 2018
❤❤
0 notes
Oakland California Cheap car insurance quotes zip 94614
"Oakland California Cheap car insurance quotes zip 94614
Oakland California Cheap car insurance quotes zip 94614
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I'm 16. A lot of people are telling my parents to get my car insurance in their name and not tell them i'm the primary driver because it will be so much cheaper. Does that mean if I get in my first wreck they won't cover it or they'll just raise it after?
Insurance settlement in Arizona?
I hit rear-ended a guy at about 5MPH back in July. He was in a pickup, I was in my civic. About $800 worth of damage to both vehicles. He complained of no injuries at the scene. I find out he got an attorney and filed a claim against my insurance. My insurance says they are still waiting to get a demand letter. Question: I only have $100,000 in coverage. Is there any chance he could get more than this?""
Car insurance questions?
Ok so im a bit confused about car insurance! If i claimed on my insurance because say i had a crack on my windscreen and it want my fault, would that mean i lose my no claims? Also, if i was involved in an accident that wasnt my fault, and the other person refused to give their insurance details, would i just ring my insurance company with their car reg? What if i lost the claim? Im very confused about all this!""
Building/home insurance?
front door warped can i claim on insurance
Life insurance maturity after 7 years?
I have a case where an insurance company will owes xxx amount of dollar after 7 years because the life insurance claim made to a person is missing. Insurance company won't pay till this person is certified dead which in state of IL wait for that is 7 years. So the question is when this person do gets paid will the insurance company pay it 7 years interest on it? + the premium that is paid for the next 7 years after the claim is made.
Can you personally propose a govt. health insurance program that would satisfy the majority?
Can you personally propose a govt. health insurance program that would satisfy the majority?
Car accident? insurance???
Long story short, I was in an at fault car accident (only because I crossed the double-yellow line) but thats beside the point. It came off as my fault. Now the other driver was driving a 2003 audi they're saying his car is totalled. So he's probably going to be getting a pretty hefty check. For my car insurance, I only have liability so its 1,300 a year. That's $108.33 a month. How much do you think it will go up after the settlement is given? I heard that it will go up so much percent for like 3 years??? I am 19 years old , and will be driving for almost a year at the end of October.""
How much would my car insurace be with a used 2007 scion tc?
By time I get the car I will be 18 years old. I have allstate insurance. I drive under my mom and dads name and I have a 3.1 GPA. I've never gottten in a wreck or gotten a ticket and i've been driving for almost a year now. About how much do you think my insurance willl be monthly? Thanks.
What effect does a minor ticket out of state have on insurance rates.?
A few months ago I got a ticket in Maryland, where I go to school, for going the wrong way down a one way street. The ticket was only a small fine and I don't think any point were given. Recently I just got another ticket for making a wrong left turn in New Jersey, where my permanent address is. Normally, my insurance company, geico , would let one ticket slide but I'm not sure if they would even know about the Maryland ticket. I would appreciate any information.""
Could any Teens with sports cars tell me how much there insurance in under there parents name?
Can u tell me the Cost of your insurance and the car u have to help me get an idea of how much a Teen boys sports car would cost when it comes to insurance? Oh and does anyone know if the 177hp solstice would have lower insurance then the 350Z?
Learner car insurance?
I will be supervising a learner with a provisional licence, i have been driving for more then 5yrs and hold a full Uk license.. Do i have to have the car insurance in the learners name too?""
Is it cheaper to have two people sharing one car and insurance?
Basically, both going to be learning together then buying one car for us both. We'll both be new drivers and we will use the car whenever we both need, kind of new to this so any information will be helpful :)""
Do I need car insurance with a drivers permit?
I'm 15, just got my permit, do I need car insurance? If so, then why did my parents have to sign for responsibility? Wouldn't that just put it on their insurance?""
How much is the normal rate for the instant car insurance quote for drivers between 18 and 25 ?
Hello i am interested to know how much the average car insurance cost would be for young drivers between 18 and 25 years. can anyone help me please?
I'm looking for decent but affordable health insurance that includes maternity...anyone know of some?
I'm looking for decent but affordable health insurance that includes maternity...anyone know of some?
A cheap car insurance? USA?
im looking for the minimum required.
Motorcycle Insurance 16yr Old?
I am 16, I am thinking about getting a crotch rocket, and just wanna know about insurance. State: Minnesota Year of bike: 1995-2005 I am thinking 650cc - 750cc I have experience on motorcycles (dirt bikes) I do realize their is some difference I have a grade average of B's or higher.""
Insurance on an 2006 chevrolet equinox?
My parents are buying me a used one for my birthday in a few months. I am suppose to buy the insurance for my vehicle though I was wondering about how much it would cost for a 16 year old? Also I have a daughter that would be riding with me most of the time, I dont know If that has to be added into the insurance cost of not? Im kind of clueless, thanks for your help!""
How much is the normal rate for the instant car insurance quote for drivers between 18 and 25 ?
Hello i am interested to know how much the average car insurance cost would be for young drivers between 18 and 25 years. can anyone help me please?
Oakland California Cheap car insurance quotes zip 94614
Oakland California Cheap car insurance quotes zip 94614
I'm 20 with no diploma: How do I get health insurance?
I'm a 20 year old male in Austin, Texas, and I was homeschooled and have 2 courses to complete until I get my highschool diploma. I have very little work experience (worked for HEB for 3 months). How do I get health insurance? Any suggestions on who would hire me that has insurance, or any government help I could be eligible for health wise?""
Which is the best insurance company for motorcycle insurance?
I have honda aero motorcycle 750 cc.. may i know which is the best company to go with????? Thanks
My employer expects me to utilize my personal car insurance for renting cars for business purposes.?
Why should I carry the responsibility? My car insurance would go up if I am in an accident or the car is stolen. Am I being unreasonable? There is no coverage through my company AMEX card, I checked. I do not want to be a problem employee but I do not see how this is fair.""
Do I qualify for unemployment insurance in California?
I worked a full time temp job that only lasted 4 months. From May to September. I m wondering if that is enough to qualify for unemployment insurance in California?
Does having back up sensor's help your insurance cost?
Does having back up sensor's help your insurance cost? I am wanting to have some put on my car, but didn't know if it would help with insurance!""
Does insurance cost more on a dodge truck with a hemi?
Versus the base 4.7L. The truck is a 2006 if that makes a difference.
Why are my car insurance quotes so high?
I am 17 years old, male, my birthday is 7/11/94. I am looking to buy a car to learn to drive in then finally fully insure. I have not passed my test you but when asked on insurance website's I have put under the 'time held licence for as 1 month just to get a realistic view. I have tried a huge variety of cars but I just can't seem to get them to a reasonable price. For example I have been quoted 5999 on a seat alto 1.0 litre on gocompare. I have also tried adding my father as an additional driver who has 15+ years of experience and no claims. I am currently a student and have stated that the car would be parked on the drive. I live in a semi detached house in a small town. Please can anyone help me on getting it down as low as possible. The only cars I would not consider are 1. citroen saxo, 2. ford ka, 3. any form of fiat.""
Can kaiser health insurance drop me?
I'VE been vomiting and been feeling sick but i dont know what is causing it so i applied for health insurance and got approved. On the application, it askedif i was diagnosed with any illness and i was not. But if i go to a physical exam, telling them of my symptoms and do get diagnosed with something, can theinsurance drop me? I feel like i did not lie on my application because i dont even know if i have a disease but i am worried that they will say that i had a preexisting condition?""
""Car insurance, where should I get it, and how much will it be? College Student?""
I am going to be getting a used 2006 Chevy Cobalt, my parents are gonna pay the monthly payments but I have to pay insurance on it. Do I have to get full coverage on it since its payments? I go to Michigan State so I'm wondering where the cheapest place to go would be. Anywhere that gives student discounts would be great. How much should I expect to pay a month/year?""
Car insurance - premium increased without making a claim?
I rang my car insurance company to ask about my no claims bonus and excess as I thought there had been damage to my car. I am not taking out a claim. I have today received an email from them saying that We have amended the class of use on your policy due to the information provided by our claims department there is an additional premium of 21.38. This will be debited from the payment details we hold on file for you within the next ten days. Can they do this? I haven't amended any details and although I paid my car insurance last October in full for the year I didn't expect my payment details to be kept on file.
Can I drive other cars with no insurance?
I do not have insurance on my vehicle. Can i drive my girlfriends car that has full coverage and not be breaking the law nor risk her car not being covered if i have a accident? I am in FLORIDA
Do you need insurance if your car has insurance?
I'm about to get my license but my family doesn't want to pay for my insurance. My brother says that the car he's giving me has insurance on it under his name and that if i get into an accident all the blame goes to him. He said its okay, is this true?""
Exactley how does term life insurance work?
Whats the difference between regular life insurance and term?How does term work?
Would my insurance go down if i trade in an 08 liberty or an 2012 patriot?
I currently have an 08 liberty that we got screwed buying, the gentleman that works at the same dealership is going to try and reverse the loan however which is a good thing. i was wondering though if from previous experience would my insurance go up or stay the same. the liberty we have now has several features. (convertable sunroof, built in media center etc.) where as the patriot doesnt have those features.""
Health Insurance and Pre-existing Conditions?
What kinds of pre-existing conditions can give you a problem when getting your own health insurance?
Cheaper car insurance ?
Which insurance companies out of the major ones have you found that are the cheapest for a 19 year old on their own policy?
Insurance for garage?
I rent a flat with garage where I store my sports equipment-kanoe,angling equipment,car roof box and bars,bikes,tools etc. Do you know any insurance company? Thank you.""
Usure about car insurance ?
My boyfriend recently cancelled his car insurance because he no longer has a car. What happens if he drives mycar, which is fully covered, and gets in an accident?""
What insurance company do you have and how much do you pay monthly?
I'm just wondering, I'm about to get my first car (I turn 16 in 2 weeks) and I'm just trying to decide what's the best insurance for me, and I have a job so I'm trying to calculate how much money I'd have to make to be able to pay for insurance+gas. Soo what's your insurance company, how much do you pay a month, and how old are you? thanks guys:)""
New driver trying to get insurance... Quote for 1750 in November... Why has it gone up to 4400 now?
Hello all, I'm 17 years old (male) and passed my test earlier this month. In November I just thought I'd get a rough figure for insuring a 1.2L Corsa (2001)... I got a quote from Quinn Direct for 1750 (I put in the details as if I had already passed etc). So yes, more than the car is worth, but my parents and grandparents were willing to help me out with it, and I was pleased. So, Christmas has been and I thought I'd get looking... I went back on to Quinn Direct and now for a 1L Corsa (2001)... The quote is 4450!! That is ridiculous! It's true, I'm a 17 year old male... Bla bla... But 4450 for a 1 Litre car? All my friends are with Quinn Direct, and their 1.3L Fiesta's etc are only 1900 to insure! Gocompare and all those don't give me much better quotes either. I've also done the Pass Plus. Can anyone shed some light on this please? Thanks!""
What would my car insurance be?
my girlfriend needs to know how much her car insurance would be in canada ON if she didnt take drivers ed, was using her parents car and was under their insurance plan""
Help with Car Insurance quote?
Hey there, I just wondered if someone could help me with a query on car insurance. Does anyone know how much I could end up paying for Insurance for a Vauxhall Corsa? I'm 23, and passed my test in January and was thinking off buying a car in a month or 2. Ive tried various sites for insurance quotes but they all ask for your number and I don't want to get hassled. The details of the type of car I'd like is as follows: Transmission: manual Fuel: petrol Engine size: 1.2L Doors: 5 Not much I know but this is the site I got the details from: http://www.arnoldclark.co.uk/detail.html?ac_reg=blk_u31kotjueau0i8uc&$ac_sr=0&$ac_pp=10&$blk=1&$franchiselist=vaux&$model=Corsa&$franchise=vaux&$model=Corsa I realise I probably wont get an exact amount but even an idea of how much I might end up paying a month. Thanks for any help :)""
How much did your car insurance rate increase when your 16 year old began driving?
How much did your car insurance rate increase when your 16 year old began driving?
How much would the insurance cost for corsa 1.2 limited edition for 17yr old new driver?
How much would the insurance cost for corsa 1.2 limited edition for 17yr old new driver?
What should a 16 year old expect to pay for insurance?
I have never had insurance before. I own my first car right now. I have a graduated drivers license. and I have taken a drivers ed course. I need to know how much to expect to pay a month. Thanks!(:
Oakland California Cheap car insurance quotes zip 94614
Oakland California Cheap car insurance quotes zip 94614
https://www.linkedin.com/pulse/how-much-should-we-expect-from-her-insurance-anthony-peterson/"
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how many people can’t afford medical insurance
"how many people can't afford medical insurance
how many people can't afford medical insurance
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Im not being funny, but its quite clear that seventeen boys cannot afford to pay 300-500 per month for a car worth 400, there is no possible way to afford that when you are trying to do a-level and your part time job pays you maybe 80-120 per week, its just unreasonable, whats the point in having a license if they expect you to pay that, so i can see why most teens do front""
""Young adult, no health insurance, I need help!?""
I am going to make this simple as possible: During this year, Jan to March, I have been on my parent's insurance, NJ FamilyCare, which we were enrolled under free-care because we were horribly under the poverty line, or above it? We're poor, that's it. And on April 1st, I was terminated from my insurance, they are saying I am 19 years of age, thus I have no insurance. Late August we (as a family) re-applied with all our names, and sent the papers in. But with a lot of research, I knew I shouldn't have been, under the Affordable Care Act I should have been on my parent's insurance until the age of 26. I meet the requirements: 1. Dependent Adult (19 years old) 2. Full - time student, no college insurance. 3. No insurance for 6 months now. 4. Not employed. I know for a fact, that being a full-time student, and being unemployed, shouldn't affect this, but maybe it is? I talked to a representative from the welfare office, (where my parents applied) and the lady (rudely) told me that because I am 19, and in school, I was terminated. And my social worker won't be done looking at the papers until late November. WTF? That doesn't make sense, so I kept the battle on, and told her that I should be covered under the law. But after some bullsh*tting around, she hung up on me. So I called again. And this time, another lady was saying, her son who is 20 years old, is insured under her insurance, and that I should come in with my parents, and tell our social worker that I am a full time student, who can't afford to be employed, (because of my 21 credit semester), I am dependent, and I have no job. I was like, well, it's not like I don't want a job, I just can't find the time to have one. I used to work 12 hour shifts, so don't think I don't like to work. The main reason I need the insurance, is because of my ADHD and Mania. I also always get sick, and have kidney problems. But with this, I still can't imagine why I was terminated. The lady told me I shouldn't have been under the law, but different people have different ideas... So, I will go to my social worker on the Tuesday, and find out what's happening. But I know I should be covered, and at least for my sake until I am 23-24. To which I plan to graduate and get my own insurance, and home. But if it doesn't work out, what other low-payment options are there? I heard about NJ Protect, but it's expensive on my part, and no way can I burden my parents with out-of-pocket payments. Thanks in advance.""
What does insurance mean?
Well I'm 16 and I don't know what insurance means : so I heard that louis' bum has insurance? What does that mean
Will State Farm full coverage insurance pay for my car since it was total loss and i still owe the bank?
the guy had full coverage was his fault and im up side down with my bank car loan?
how many people can't afford medical insurance
how many people can't afford medical insurance
""I'm looking at Mercedes Benz E500 or S500 and BMW 745Li? Which car you think is better? Cost, Insurance etc.?
Mercedes Benz or BMW?
Where can I get temporary van insurance?
I'm looking for temporary van insurance for my van as I want to drive it to Spain for a few days but don't use it enough to warrent paying for a year's insurance. I would also need european breakdown cover, so if someone could help with that as well, I would be very grateful.""
DUI for minors and the effects on car insurance?
What is the effect on car insurance premiums of a first, second and third offense for a minor who drives under the influence of alcohol.""
Car Insurance- Am i covered?
If i drive my uncles car, and i dont have insurance myself am i covered in case of an accident(he has full insurance). hes live in ca and we are in different households. thanks""
Why is insurance so high on dodge charger for a 18 year old?
Why is insurance so high on dodge charger for a 18 year old?
How much is insurance for a 16 year old girl with good grades?
Im 16 years old and wanting to get my licence. I have about a 3.4 GPA. And im not going to take drivers ed. I am going to share a car with my parents as well.They have really good credit. With geico. How much will it cost a month?
Do I qualify for my parents health insurance?
I have a job that offers health insurance at a price I'm in school I'm 22
Car Insurance Problems. Pain in The neck?
Im 22 and I have a terrible credit score. I am looking to insure my car by myself which has always been insured by other people like my parents/boyfriends mom etc. I know my credit score is my own fault but I have been running into difficulties trying to find a decent car insurer for my vehicle. Does anyone know a place that will offer car insurance even though I have poor credit? I know I will pay a lot more than if I had a good credit score but I am in dire need of insurance and am willing to pay a bit more than usual. Alot of places have even denied me car insurance because of the my credit score so If anyone knows a place (not geico, progessive, unitrin or allstate) that will be helpful and will possibly insure me, can u please let me know:-) Oh yeah Im residing in NJ, if thats helpful!""
Can someone who smokes marijuana get affordable life insurance?
Can someone who smokes marijuana get affordable life insurance?
What are the cost of car insurance?
I'm a 17 yr old female, just recently got my g2, i live in ontario canada and was wondering what my insurance cost would be per year. i will be registering as a secondary driver, and there are currently 2 cars, and will be getting a third one, for me. i have talked to friends and found out that they pay about 200 bucks a year and depends on my parents driving records. Is it possible to pay just 200 dollars a year as a secondary driver?""
How much does it cost to insure a 49cc moped?
I'm looking at getting a 49cc moped so I don't have to get a motorcycle license. I want to know if anyone has a moped and what the insurance cost is.
""Cheap m/cycle insurance for 95,GPZ 750 ?""
Cheap m/cycle insurance for 95,GPZ 750 ?""
""I have taken out car insurance last month,i have found a cheaper insurance,i want to find out if i can cancel ?""
my previous insurance,i took it out on installments""
""Car Insurance, including APR?""
So, im looking for car insurance and I found the cheapest one for me. 'A deposit of 70.00 payable by credit or debit card followed by 10 monthly instalments by Direct Debit of 55.90. Total payable is 629.00 including APR of 29.6%.' What does it mean including APR of 29.6% That I will have to pay an extra 29.6%. Its my 3rd year driving and I've never seen this before.""
Accident and auto insurance question?
If I get into a wreck that wasn't my fault without insurance and I come home and say go to safeauto.com and get insurance will I be able to claim that on the accident report? Will I be safe from losing my licence?
How much is insurance in canada for a motorcycle?
how much is the average insurance rate in canada for sports motorcycles? ....per year or per month?
Is It Cheaper To Buy Auto Insurance Online?
I have been looking for auto insurance and i have been getting quotes online. I see some pretty good prices. Some places i get a different price online but when i go into the office to talk in person i get a higher amount then what i saw online. Should i just buy car insurance online? Is it better to buy online?
What does health insurance cover?
i recently turned 18 and am in need of Knee surgury. if i got health insurance right now, would it cover the surgury? or would it be like trying to get a totaled car insured? if insurance doesn't cover it, what should i do? i live in NJ.""
Buying a used car and purchasing a car insurance in Tucson?
Hi. Im going to study in tucson for the next 2 years as an international student. I want to buy a car, and I am looking for a place that would be known to sell used cars at a fair price (I am not looking for something more than 7-8000). It would also be nice it those car would come with a warranty. Do you know good places for that? Also if you can advice me with car insurance that would be nice. Thank you a lot!""
What is the cheapest insurance company?
I just bought a car, and I have no driver license. Which company offer the cheapest insurance?""
Medical insurance for cancer patient?
A family member is diagnosed with something similar as cancer. She works for a big fortunate 500 company and so far, there is no sign the company will fire her. However, the job is very stressful and when she starts chemotherapy, she will most likely take a medical leave (Not sure how long) She doesn't want to put all eggs in one basket, just in case the comapny fires her, she would lose medical insurance, and that would not be very good. Just wondering if there is a private insurance company who will never reject a cancer patient. She is very aware of the fact that premenium would be sky high, but she is willing to pay for it just in case. Any suggestions thank you""
How much would motorcycle insurance be for a 19 year old male in NY.?
If i am a 19 year old male and have insurance on my car and i have no tickets and one small accident that was my fault over a year ago how much would it be to add a motorcycle to this insurance, but im only getting as much insurance coverage that is required. I will not be getting collision or anything as bike as fairly old and if it gets recked i wont fix it. If you arent completely sure speculate as to how much you think it would be, any info helps.""
Where to find affordable auto insurance?
I have a 2002 Mi Gallant ES , I have had my full coverage insurance for over a year now but its currently 160$ a month and I would like to find something more affordable , any ideas? all comments and suggestions are appreciated BTW: Ive never had any tickets or accidents or a lapse in coverage I am 22 years old Thanks in advance!""
What kind of deaths does life insurance cover?
Would it cover something like a heart attack or stroke?
""My parents are in the process of putting my name on the car insurance, can i drive it in the meantime?""
My parents are sending the paper work out tomorrow, it'll take a few days for the insurance compant to get it, does this mean I can't drive the car until they get the papers or can I drive it now?""
how many people can't afford medical insurance
how many people can't afford medical insurance
How does purchasing a car that was subject to an insurance claim affect the new buyer?
I'm looking to buy a car on autotrader and to be honest I really do not know as much as I would like to about cars. Someone is selling a car for quite a bit cheaper than its worth but the reason they've given for this is that the car has been subject to an insurance claim. In what way will this affect me?
Will state farm insurance pay for my rental car?
I am 20 years old and full coverage and i wrecked my car at my own fault today, and while its getting fixed i need a rental car, does state farm pay for it?""
Unemployment insurance in california?
Last year I was unemployed. To make a long story short, i took a job and was there for less than 2 weeks. I was forced to pray, and listen to scripture that was muslim. I am very understanding in all religions, but do not practice myself. I was very uncomfortable and left. EDD decided that i left without cause and that i did not deserve insurance. they made me pay back what they paid me and 30% more. I did so even though I didn't agree. Now that I am laid off again, I filled out a claim and got a response saying that I was eligible, and they gave me the forms to fill out for the first two weeks, the standard claim forn. I filled it out, and now got back letters saying that i am not eligible for benefits until i have filed a claim for each of the 5 weeks in which i am otherwise eligible for benefits. I haven't received new claim forms. I am assuming that I will get these, and I will fill them out for 5 weeks, and then they will pay me? So I am looking for clarification, after claiming 5 weeks they will give me my benefits? Thanks for your help, to anyone that has gone through this. It is so unfair! I paid them so much, for something I felt I was justified doing, and now I am still being punished! I would rather be working and not have to worry about this, but it is so hard to find a job :( not a great holiday.""
What kind of health insurance should I get?
I'm 20 I live with my parents we have U visas I know I don't qualify for Medicaid but I know we have to get insurance or pay the fine. What are my best options? Something affordable. Any advice would help because I know nothing about this! Thank y'all
How much is insurance for and exotic car?
like a lamborghini or ferrari or porsche?
Need help with Car Insurance?
I am a 17 year old in california, who just bought a 92 Buick Skylark and I need to no what would be my best bet when it comes to getting insurance, I would like cheap insurance""
Can you buy a car if you don't have a license in CA? Can you get car insurance without having a license?
My friend has a driver's permit. She wants to buy a car and practice driving in it so she can get used to it. Then she wants to use that car when she goes for her driving test at the DMV. Can she buy and register the car without having a license? If so, can she get insurance on the car without first having a driver's license? Thanks for your help.""
""Can I get auto insurance coverage with my sister's auto insurance? (Boston, MA)?""
I will be visiting my sister who lives in Boston, Massachusetts. I will have to drive her car but I do not have my own auto insurance. My sister, of course, have her auto insurance (through Commerce Insurance) which has full coverage. The question is, will I be able to receive coverage (with my sister's insurance) in case I get into an accident?""
""My daughter will be 26 12/6/2012, can she obtain insurance through the Affordable Care Act and how?""
My daughter will be 26 12/6/2012, can she obtain insurance through the Affordable Care Act and how? She has serious health issues and medication we will not be able to afford with no insurance.""
What is a good affordable health insurance for a part time worker?
I am a part time worker averaging 15-20 hours per week, minimum wage. I do not qualify for the job insurance since I have to be full time. Is there any insurances out there that are affordable for me? Please and thank you!""
Driving Someone Else's Car...Do I need Insurance?
Okay lets say that I have my license but I don't have car. If I have a friend or a family that lets me drive their car and I get into accident...who's fault would it be? Mines or the owner's? And If I do drive someone else's car..do I need insurance to pay for the owner's car if I accidentally damage their car? Or no?
Is car insurance cheaper given that you hold off driving for 2 years?
compared to when you first get your license? how much cheaper? rough estimate? given that it's the same car that you'll be driving?
""I got into a car accident with my new car before i could get insurance, help?""
I just recently bought a 66 mustang from a private seller. My mechanic took a look at it and said it was good. I went to go pick up the car from the seller, and while driving home, 15 minutes into my drive the breaks gave out. I ended up hitting a UPS truck. My passenger and i ended up going to the hospital for injuries. I did not have insurance since i was just going to drive the car home and not drive it until i got full coverage on it. The previous owner still has insurance on the car, and i have not been to the dmv to have the title officially signed over. I need help; legal advice would be great.""
Has anyone bought car insurance that deals with people who have points?
I am 20 years old turnin 21 next year march. And I got 6 points in january. Now its impossible for me to get car insurance on my ford fiesta 1.3 2002 plate, they are askin me to pay 6000 pound for insurance. I was woundering if there are any car insurance companys that deal with people that have points?""
Do I HAVE to have car insurance in order to drive?
So I just got my license a few days ago, and I'm confused with the whole insurance thing... I am not getting my own car until I graduate high school, which won't be for like a year ish. So do I need insurance in order to drive my parents car OCCASIONALLY? Both my parents have car insurance. So pretty much, it would have been better to just have my permit where I don't need car insurance, instead of getting my license and being forced to get car insurance even if I'm going to be driving RARELY? Whereas with my permit, I could drive within hours with an adult for as long as I want without needing car insurance.........""
Will my insurance rates go up because of my dad's ticket?
My dad got a speeding ticket tonight. I am under my parents car insurance, but I still pay myself and they bill me directly, but because there are three cars under the policy it cost less for me and that is why I choose to be on their policy. I own my car. But will my premium go up now because of his speeding ticket?""
""How much would insurance cost for a 23 year old with a $1,500 car in florida?""
Assuming the car is fully paid for, how much would insurance cost on a rather cheap ($1,500) car in Florida for a 23 year old with a spotless record. If an exact amount is too hard to find, a ballpark estimate would help.""
Can mississipi call and verify if you had auto insurance?
Can mississipi call and verify if you had auto insurance?
INSURANCE CAR HELP?!!!!?
I bought a car 2weeks ago, registered it the next day and got into a car accident the day after. :( I got a ticket for having no insurance. But I found out that the seller, my moms bf, had insurance for the car. Just none in my name, will this help dismiss the ticket? There is a day grace period to get insurance when you get the car, but I was unable to get any. But the car WAS insured during the time of the accident. Just through the previous owner. ANY ADVICE WILL HELP.""
Is there drivers insurance for infrequent drivers?
I'm currently in LA, and my family is here too. So, I've been an insured driver since I was 15, for the last 13 years... In August I will begin grad school in Boston, and will be without a car. But, perhaps during winter break, Thanksgivings, summer, I may return to LA to visit family and friends. I can easily borrow one of my parents' cars while I'm visiting, but I don't want to have to maintain car insurance year round for several hundred dollars just to drive a few times a year. Are there any reasonably priced options for someone in my situation? As far as I know, most car insurance terms are 6 months. Thank you!""
Report someone who is driving without insurance and not registered?
how do i report someone driving without insurance and who isnt registered? and what happens to them when they get caught without both??? in california.
Who can I get cheap health insurance through that covers from State to State?
move alot because my bf's job requires him to do so now and again. I have lived in a couple of States in the last year and we are due to move again but his job hasn't said where to yet. Is there a health insurance company that covers most (if not all) States that has reasonable pricing that I could get covered under? I just had a baby a few weeks ago and I am a homemaker with some not very nice health issues so I need to make sure I'm taking care of myself too (especially now). If you have any suggestions, please help. Thank you :)""
Is health insurance haram?
Hey, We're supposed to write an essay on any topic of our choice and show it relates to well being and opportunity in Canada while addressing inequalities (that part is optional). I'm thinking of writing on Private Health Insurance in Canada. But first i wanna know if health insurance is haram. Also what can I focus on on in terms of health insurance. Should I focus on their good side/bad side, etc. Any suggestions?""
I am 29 can i insure my moped before passing my cbt?
I am 29 can i insure my moped before passing my cbt?
How much does insurance increase for a teen with an old car?
I was doing some research to buy my own car. I wanted either a 1976 dodge Monaco or a 1989 Chevy caprice. My question is, if I am 17 years old and I had this car, what is a rough estimate of how much my dads insurance will increase? I figure old cars and young drivers don't mix well but I need to know. Also, I have never gotten in any accident or received any tickets and I don't even remember the last time my parents crashed or got a ticket if that helps. Shanks""
how many people can't afford medical insurance
how many people can't afford medical insurance
https://www.linkedin.com/pulse/health-insurance-jose-white/"
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Trying to get free motorcycle insurance quote from progressive?
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quote bind insurance
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I'm 16, I got in a big car accident.. I flipped over my car twice. Fortunately, I was untouched and I was the only one involved. Naturally, I was taken off the insurance policy and lost my car. Before, I had the good student discount so we paid $350 for half a year as a full time driver. How much would I have to pay to be a full time driver now after the accident? My dad said $2000 for a full year but it can't be that much? Will they strip me of my good student discount? How much will it cost to be put on as a part time driver now? Will it go down after a year? Will the insurance go up a lot? It won't go up as much as it would otherwise since I was the only one involved and there was no property damage, right? I don't understand how it could happen to me, I'm a model student, I have straight A pluses in all advanced and AP classes and I was even following the law when I had my accident. =/""
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If i have a fully comp insurance policy in my name, can i drive any car on the road, with no limitations ie. engine size, make, model, and does the car which im hoping to drive need to be insured by someone else, or not, thanks in advance""
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I insured a VW Polo about 3 months ago. I got a good quote of 41 a month. We moved house to better neighborhood, and I can now lock my car in the garage overnight. Also the car is now less in use as I have access to a newer car which I use for commuting etc. The polo is for when the family really needs to make two different journeys at the same time. A spare car if you will. Now my cheapest quote is 85 / month!!! WTF? Why has car insurance skyrocketed in 3 months?""
How many year does it take for auto insurance to lower young driver rate?
if i start at 16
""On buying a new car, should I get insurance for it immedliately?""
I am buying a new car in a day or so. Am I legally required to get insurance before I take it out of the dealership? I heard that dealer should keep insurance for 1 month. Is that true? If it is true, what is covered - just the car? Driver? Passengers? New-car buyer in Texas""
Which Car Insurance Company would be cheaper?
Looks like everything now and days is going up -including car insurance. Does anyone know of any company that has cheap car insurance???? I'm not sure if AAA offers any good deals
Auto Insurance in Indiana?
I have had Progressive for many years and no claims.We do deserve cheaper rates because of our age and driving record and low mileage. I recieved a much lower quote from Indiana Farmers Mutal Insurance. I have a 2000 Tahoe that is like right off the show room floor and I understand most companies are allowed to relace parts from a junk yard or for much lower than would it would cost unless it is under 2 years old. Has anyone placed a claim with either of these companies and what was your satisfaction? Because of the condition of our Tahoe, which is perfect and just over 30 thousand miles and a limited edition, who has ideas on the best auto insurance out here in Indiana?""
Car insurance... ways to lower it?
I know there are many variables but I've found the cheapest insurance company for me and adjusted various thing to lower it, all things are still true to me, but I'm currently looking to pay around 2400 I have found cheaper insurance for around 1400 bit then looking to pay around 1200 for the car, I bought my car for 80 as it was a family members car and needed work, but its all repaired, so the money id spend on a car wouldn't make up for insurance, also I've found insurance cheaper for my car but has a black box fitted to the car if I do that, but I may want to drive later than 11.00pm""
Homeowner's and Auto Insurance?
We've been with Allstate for home and auto insurance for over 30 years, and they have recently starting screwing with us about renewing out Homeowner's insurance. We're pretty sure they are nitpicking about things because they are not writing new policies for Californians, but are keeping existing customers for now. Anyway, I went to the Auto Club this morning and got quotes from them for Home and Auto Insurance and their prices are much better than Allstate's. What I want to know is anyone's experience with AAA insurance. Are they a good company to insure with, any problems, etc? Thank you for any information you can provide.""
Uninsured Motorcycle Driver Question?
Recently a friend of mine wanted to purchase a motorcycle that he found a super great deal on. Because his credit is very average he asked me to purchase the cycle and he would make me payments plus interest. I agreed and took out a loan for the bike. However a few weeks later he decided it would be ok to take the bike out for a spin UNINSURED. He had a run in with several trick or treaters and their parents. Since it was an unlit road, they were in the middle, and he was going under the speed limit. The cops ruled it not his fault. However now two insurance companies are coming after me to subrogate the liabilities. Since he was the driver but I am the owner. What are my rights? Can they still blame him? Am I liable?""
How much will my Insurance go up?
im 18 years old on my mothers policy been driving 1 year crashed my car into a old Escort which his car was called a Rite Off. His rite of value for his car is 950. my damage i fixed with my old money as my insurance did not cover my cars damage. my Current Insurance price is 1250(pa). How much will my insurance go up by next time round...next year in September?
How much is car insurance usually?
thinking about buying my first car soon and im just trying to figure out my financial situation. i know the price can vary but an estimate on how much car insurance is would be nice. thanks
Is it a law in New Hampshire that you must have car insurance?
I recently bought a car that i know own 100% (i am not leasing). Is it a NH state law that i HAVE to have car insurance? Any sources would be very helpful.
Are there any good temporary car insurance companies in america?
Are there any good temporary car insurance companies in america?
What is the best car insurance for if you don't have own car?
I don't have car and I do rent a car frequently, Is there any insurance that I can take and that can be transferred to what ever car I rent for the day? what I mean is If I take any insurance for 6months or one year that should be applied to the what ever car I drive. any suggestions?""
What is some affordable/ good dental insurance?
What is some affordable/ good dental insurance?
Auto insurance is through the roof?
i have a 1991 jeep wrangler sahara and i pay 230 buck a month on parents insurance what is the cheapest company to go with and y is my bill so high
""I'm looking for a sporty car with low insurance rates and preferably american made around $15,000?""
I'm looking for a sporty car with low insurance rates and preferably american made around $15,000?""
quote bind insurance
quote bind insurance
Do I have to tax a car if it is insured? I know that you HAVE to insure a car if it is taxed.....?
What I know. You have to tax your car unless you do a SORN. If you have done a SORN you don't have to pay car tax or even insure your car if you don't want to. If you don't intend to drive your car but it has car tax then your car HAS to be insured by law. But what about the other way round ...? If you have a car insured but it is in the garage and you never intend to drive it, for example it is a collectors item, do you HAVE to tax it? I can find on the net yes you have to insure your car if it is taxed but cannot find confirmation either way whether you HAVE to also have your car taxed if you never intend to drive it but you do want it insured. If someone confirms that it doesn't have to be taxed, could you provide details of where you found this information so that I can obtain a copy for my records please? Many thanks Lisa""
How can I get auto insurance for a car not in my name?
I have the opportunity to take over payments on a car. Since the title is not in my name, how can I get auto insurance for this car until the title is transferred into my name? I'd heard there is a form that the owner can sign that verifies that I will be the only one driving this vehicle. Any suggestions would be helpful.""
Why is there a huge difference in insurance quotes if all info is the same?
I'm shopping around for insurance quotes because I thought my car insurance was too high. Progressive gave me a very low quote, which I was happy about. It was what I thought I should be paying compared to friends I've talked with. All the other quotes from the other insurance companies were in the same price range and very high. I began to worry that Progressive had some incorrect info, so I called them back, we went over all the info again, and everything is right. They even emailed my quote to me and it's all correct. Should I be worried that the quote is so low or is Progressive just being competetive?""
Texas Insurance Question.?
My parents always freak out when I have to drive their car because mine is in the shop. We have different insurances and I am not on theirs. If a cop stops me will he take their car because my name is not on their insurance. This is my parents worry and I am also not really sure. This is in Texas of course.
Why do we need car insurance or why is it required?
I've been driving for about 3 years now, and I honestly cannot help but ask why are we paying $100 per month or more on car insurance, and some of us don't even get into accident at all? I mean that is like money out the door. My current premium is $625 per 6 month and it is a pain to pay it off. So, what I suggest if you get into an accident you are required take out a loan if you cannot pay and pay it yourself, wouldn't that make more sense? Instead of having to pay all that money off and in return you get nothing?""
How do I go about getting affordable/any health insurance?
-22 -located in Philadelphia, PA -single -insurance is not offered at workplace -no parents -got denied for Medicaid Any answers are greatly appreciated!""
Which would have cheaper insurance a 06 charger or 06 bmw 330i?
Which would have cheaper insurance a 06 charger or 06 bmw 330i?
What is a good place to get cheap SR-22 Insurance in the state of Utah?
What is a good place to get cheap SR-22 Insurance in the state of Utah?
Car insurance help for a young driver?
I'm looking to buy this 2002(51 reg) 1.6L Volkswagen Beetle Hatchback. I'm a new driver and have looked everywhere for a cheap insurance quote. I'm just wondering whether the insurance will go down by much after my first year driving? thankyouuuuu x
""Hey, i need help finding the right car insurance for me..? im 18 im from california.....?
im 18 and im from california.. i barely got my drivers license 2 days agooo and i was wondering what insurance is right for me? i want an insurance that is affordable... not so expensive... what do u recommend? what do you have? and how much do you pay for it?
Affordable health insurance?
my company offers helath insurance for $300.00 a week. If I signed up for this I would end up bringing home 250.00 to support my family. IMPOSSIBLE! Where can I go to find more affordable helth insurance on my own for my family. I live in Massachusetts so it can not be a limited benifit plan. Any websites or phone numbers would be greatly appreciated. Thanks
Dental program for low income families?
Are there any programs that provide low cost/free assistance wit dental? my son needs a badly infected tooth pulled and we dont have dental insurance. its urgent! can someone help?!
Why are the insurance rates high on a Ford Mustang?
Why are the insurance rates high on a Ford Mustang?
""My insurance is not responding to my calls, but the other party insurance does after the accident. What to do?""
I reported about an accident to my insurance. Waiting for the police report, weeks came by. Now, I have the police report but my insurance is not responding my calls, but the insurance of the responsible party is. Who is in charge of fixing my car?""
Best deal and coverage on auto insurance?
I just bought a new 2013 Ford Fiesta yesterday and only had liability on my previous 20 year old car. I am needing to get full coverage on my new vehicle and am wondering what the best rates and coverage are out there? What car insurance do you have? Is it good? I currently have AAA but am researching others. They're wanting about $100/mth. Ps: I am a 28 year old teacher with a clean driving record and live in Orange Cty, Ca.""
Insurance on a '98 Mustang?
16yr old girl in Ohio, just wondering the cost before i try and sell the idea to my dad lol. Yellow w/ body kit. Help? :)""
Full Coverage Insurance ripping me off ?
I got a wreckless driving dui dropdown in ohio live in kentucky in my Nissan 350z was paying $70 a month for full coverage under my parents plan... Now 2 years later after dealing with a bunch of bullshit driving a pos car with just liability for $100 a month in insurance for 2 years I finally have enough to buy a 08 nissan altima and I checked what full coverage would be and they told me $300 full coverage cheapest so I gave a few different cars and still the same price....Does it make since if my car payment is only $220 a month why in the hell would anyone pay more for insurance..?? & before you start saying something like a troll would I live in the country there is no bus stops or anything so I need a vehicle to get to work and back at this point the insurance cost to much for me to even afford when you have a apartment on ur own and only making $13/hour full time America doesn't make a god danm bit of since is this what the world is coming poverty P.S I hope i don't hit anyone without insurance....if only insurance was affordable.
Insurance agent won't write the homeowner's coverage she wants?
My fiance owns an old home in northern Ohio and was paying over $1,300 a year for homeowner's insurance until last year. She can't afford over $100 a month in premiums so I looked into trying to get a lower rate. All three agents that I contacted about the matter assumed a replacement cost for her house of around $157,000 which resulted in premiums of exactly what she had last year. The very idea of insuring her house for $157,000 is absurd for two reasons. The first is that I personally built a house in an upscale neighborhood which was almost three times as large and also had an attached garage. I sold that home for around $150,000 and made about $40,000 profit. The second reason that $157,000 is absurd is that any day of the week you can buy a much better house in the neighborhood for less than $60,000. I was able to find a lower rate of around $600 a year through the Ohio Fair Plan website by assuming a realistic replacement cost of $60,000 and not including such things as jewelry coverage (she has no valuable jewelry), and other coverages that don't make sense. Unfortunately, and after contacting several insurance agencies, not a one will write the coverage as specified. The gave me the flimsiest of excuses. It appears to me as if all the insurance companies doing business in our area may have colluded to lock in homeowner insurance rates far higher than is justified. I hope someone out there can tell me if there are laws that require some insurance company to issue a policy as specified by Ohio Fair Plan. Thanks in advance...""
Anybody know of any cheap car insurance or a car which is cheap to insure on?
I'm a new driver and i'm finding it really hard to get a quote under 2,400.""
Cars that have cheap insurance?
im 18 and just passed my driving test, but unsure of what car(s) are cheap on insurance and road tax, is there a site i could go on to find the information i require?""
Temporary Car Insurance?
I want to pick up a car, i live in manchester uk and the car i am buying is in sheffield, what do i do about insurance when driving it back.""
How much do teens have to pay for car insurance monthly?
I'm 17 and my mom has esurance. I have a job now and so now I'm allowed to get my license. They won't give us a quote until I actually have my license but I live in Littleton, CO 80123 and I'll be driving a 1997 Subaru Legacy""
CAR INSURANCE FOR A 16 YEAR OLD?
would it be more expensive for car insurance for a brand new car or a used car.
""I want to start trying for another baby by August, but I don't have medical insurance....?
My husband makes too much for me to get on Medicaid. I want to get a good insurance. I was wondering if anyone has any suggestions on what to do.
Any suggestions on Pet Insurance?
Hi I've been looking at pet insurance from lots of different companies, and I've found that the high street insurances have so many ifs and buts in the policies that if my pet became ill or needed treatment I think it'll be very difficult to claim any funding. I've also looked at Pet insurance by companies specialising in pet insurance they seem to be more accessible but at the same time they are far too expensive monthly! Any suggestions as to a good insurance policy? I really want one because I'd hate it if anything happened to my dog and I couldn't afford the treatment!""
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quote bind insurance
What is a good affordable health insurance policy/company?
I need health insurance but I can't afford most policies. My husband doesn't make a lot and the insurance he can get through his job is just too costly. Can anyone help?
Moped insurance (Ireland)??
how much would insurance cost for a 16 year old in Dublin with a provisional licence on a yamaha aerox 50cc in ireland?
Can a home insurance company increase the amount of insurance on your house without your request?
Of course when the amount of insurance in increased, the insurance premium also increases. I have only $125,000 left on the mortgage and insurance company has increased the insurance to cover a value of $305,000. Real estate value of the home is $450,000. My credit rating is excellent and I have not had any insurance claims""
How much would a car payment be and insurance?
I know this is very broad but that is what Im' looking for...a ballpark estimate. I'm 20 years old been driving for 3 years with no accidents and no tickets. I have no credit and no one to cosign. Looking into a 2006 honda civic for about $18,000 or whatever car for about $18,000. How much would payments and insurance be I make about $1,500 each month with no bills to pay.""
How does the insurance company know what Annual Mileage I am actually doing?
I bought a car last Sunday from a private seller, but was not able to drive it home because of no insurance. The person kindly offered to keep the car in his garage till I get an insurance cover. Today I went to pickup my car, but that guy was not there, his friend was there to hand me the keys and drive back home. When I test drove the car it was 87k miles exact, now today when I collected it, it went upto 87,806 miles, +806 miles extra. The seller is not answering my calls, the only thing worrying me is that I quoted my Annual Mileage up 6000miles, but already my car raked up 806 miles in one week. Please help, and don't abuse coz I am already down being cheated? Why bad things happen with do-gooder?""
How do I insure my new used car while I wait to pass my test?
I have a UK provisional driving licence, am due to take my practical test in little over a week and have just bought a used car. I have purchased temporary insurance so that my mum can drive the car home for me, which cost me 45 for the day. I'm an older learner driver, (over 40). How do I insure the car whilst it sits on the road outside my house until I pass my test?""
""Which came first, the incredibly high medical fees--or the insurance companies?""
Before the insurance companies and HMOs, how were medical fees? Were they extremely high like they are now--even for basic services that shouldn't be so expensive? Has insurance companies helped or hurt America since being involved in health care?""
How much would insurance cost for a mazda rx7 as a young dirver?
i was thinking of getting a mazda rx7 for my first car. i know its a twin turbo which make it faster but , and im sure everybody heard this b4 but i wont b speeding in the car i realy just like the look and my parents friend is selling his so it is more handy.. im from ireland. can anybody tell me how much would it cost me and any way of getting cheaper insurance. thanks""
""If I send a demand letter to an insurance company, do I have to ask for a specific amount?""
Or can I leave it open-ended? I was in an accident in June '09. The other driver was found to be 100% at fault. I received a settlement offer from the at fault driver's insurance company that was ridiculously LOW. I replied with a letter stating that I would not accept their low offer and explained why. I'm wondering now, though, if I should have specified an amount that I expect to receive. I simply told them to get back to me with a real and significantly higher offer or I would be seeking legal representation. Did I make a mistake?""
How much does car insurance lower when you turn 21?
I have insurance with Farm Bureau, and I have a completely clean record. I hear insurance lowers when you turn 21, anyone know about how much? I pay about 600 a quarter..""
How much would auto insurance be around for an 18 year old female?
I'm looking to buy a car but before i do i want to make sure i can afford it with car insurance
Cheap auto insurance in Nevada?
im looking for a cheap auto insurance in NV. ranging 100-150. Any suggestions? no accidents, new driver""
Will my Geico go up after 6 months?
My Geico is only $62.84 monthly. I have the 6 month plan. I had Allstate before switching to Geico last month. I switched because every 6 months Allstate would go up by $25. I could NOT afford it! So I switched to Geico because it was $125 cheaper monthly. Everyone I've talked to said theres hasnt went up after 6 months. I have no criminal record, no tickets, no felonys no nothing, etc. So I was wondering for all you Geico customers, has Geico been good? Has it went up after 6 months? No arrogant answers, please!""
Car insurance for 17 yr old in south texas?
what is the cheapest car insurance for a 17 yr old in south texas v8 2007 mustang standard went thru and passed driving school with about a B+ gets good grades in school no crashes or tickets of any kind the car is paid off gonna get married after highschool around 18 1/2 yrs black car the mother has USAA is this cheaper than most places?
Help with Car Insurance/License!?!?
Okay, so I'm a 17 year old girl in michigan. I am planning to take my road test soon and then get my license. I have divorced parents and my grandfather on my moms side is going to buy me a car and keep it in his name. He is going to put me as the primary driver on this car and pay for the insurance. However; I live with my dad and therefore my address on my license will be at my dad's house, since you have to have proof of residency when you go to secretary of state. My dad has been extremely annoying about this situation, saying that his car insurance will go up since I live here, so I need to know if it will or not. The people I have talked to so far say that it won't since I am not a driver on his car or his wife's. I've been wanting to get my license so I can get a job and whatnot for over a year now, so please help me with your experience. Thank You :)""
How long do i have to wait to change to a cheaper car insurance company?
I just got this car last week, and it's used and the dealer financed me, but i had to go get full coverage on it before i drove it off the lot. It was late in the day and i was panicked , so i hit the 1st office i could find, and that's going to be about $150 a month for full coverage (!!) Do i have to wait for a period before shopping a new insurance co. ? If so , how long?""
Will My Insurance go up?
The other driver reported the accident on his insurance company but we decided that we'll settle the damages outside the insurance company to prevent my rates from going up. The other insurance company is contacting me now. Does it mean that my insurance company knows about the accident and will raise my insurance rates even if we dont settle this insurance to insurance?
Will i be double paying for house insurance?
I have had a 3 year personal loan on my house with a balloon payment on the end, and i am Re-financing the house to include my taxes/insurance with a conventional 30 year note. I have already paid my 2010 property Tax, and my 2011 house insurance is due March 21st. I am going to the bank today, will i actually have to pay my insurance come March 21st or is that something the bank does?""
""If I cause $1000 worth of damage to another car, how much is my insurance premium going to go up next year?""
If I cause $1000 worth of damage to another car, how much is my insurance premium going to go up next year?""
What happens if you only have an expired Auto Insurance card on you while you drive?
Hi. I currently live in San Francisco to go to school, and in a few days, I'd leave to drive home to Los Angeles for my winter break. So my car's insurance card expired a few days ago, and there isn't enough time for my father to send me the new (valid) insurance card and for me to receive it before I leave. (So when I drive the 400+ miles home, I won't have a valid auto insurance card on me, though my coverage would be active & paid for.) (For some reason) I know that in other states, if you get pulled over and don't have a valid proof of car insurance when asked by the law enforcer, that you can get your license revoked/suspended and/or car impounded & it's a nasty hole in your wallet. Is there any way I can temporarily get around the California law?""
Is there a way to decrease my Car insurance coverage?
i recently just bought a 2004 jaguar x-type for 12,800 with warranty included.payments is 250 a month.but car insurance is 480 a month! is there something is there a way of avoiding paying that much pay that much in car insurance..im 21 and i would like to no if i really need my car to be fully covered or can i just put the car in under there coverage. Plus i don't have the best driving record.""
How much would my insurance rate differ?
I am 16. I currently drive a 1996 Subaru Impreza. How big would the change be if I switched to being insured on a 2000 VW Passat? Is that even how insurance works? Or am I insured on all vehicles in the household.
Can I claim for mechanical faults on my fully comp car insurance?
My car set on fire whilst I was driving it & as a result is a write off. My insurer is refusing to pay up as they claim its a mechanical fault. Is there anything I can do? Please help.
Where can I find salvage motorcycles directly from the insurance company?
I'm interested in purchasing cheap parts bikes directly from the insurance companies after a wreck. I am mostly interested in Harleys and I don't have any interest in these gimmicky websites where you pay a fee and there are not a lot of bikes. I've looked at ebay but these are usually bikes being sold from the person who bought it from the insurance company (ie premium). There are some public auto auctions, but these are usually only limited to dealers. But maybe that is my only choice?""
How can I get an inexpensive Health Insurance while having no job and on disability?
I am on a workman's comp. claim which is temporary disability, I am not able to return to work for another 6-12 months. I am getting married in August and eventually would like to have children in the next year. Who will give me health insurance at a rate I can afford, and will be able to cover pregnancy in the months to come after we get married? Thanks for your help!""
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""Car for 17 year old? easy on gas , cheap to insure?""
i am a 17 year old girl who lives in ontario and would like to purchase a used car for $1500. it needs to be cheap to insure and really good on gas. i do not know much about cars but im hoping someone will help me. also, i do not want a car that will break down and cost me lots of money to fix. any suggestions with what car i should buy? basically i just need a good student car because it will only be driving me to school and thats it. safety isnt a huge issue for me more like the pricing and maintenance. any suggestions willl do ! please help . thanks:)""
Car insurance for one day - for driver's license test. possible?
So I'm hoping to use my mom's car to take the driver's license test in a few days. I live in the United States. The problem is I'm not insured for her car, but to do so for the full term costs a LOT (I'm 21). And, I'm moving back to school and probably won't drive her car again for a long time. Insurance is necessary to take the test, right? If so, is there any alternative to getting 6-month or whatever coverage?""
Cheap car to insure?
Let's work on a budget for a car of 10,000. I'd like a car newer than 2004, so I'm more than happy to have a second hand /used car. I'm looking for something a little bit more on the luxurious side of things, rather than the stereotypical first car (Clio, Corsa, Fiesta etc). UK models only! What cars are fitting my brief, and have cheap insurance for a 17 year old male. I know insurance is far from cheap nowadays, but I'm asking for the cheapest.""
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im 18. my parents now have a plan in Geico. I was to sign in also in a plan but I think Geico is too expensive. Which car insurance company is the CHEAPEST ( Allstate, 21st etc. ) ? idk if it matters but the place of living is in Virginia.""
Where can I find cheap young male car insurance on any car?
I'm a 17 year old driver who has just passed my test and when i go to quote myself on any car its either unquotable or something like 20,000 a year or something stupid even with immobilizers trackers parked in a garage etc and when i put my mum as the main driver (she has 5 year NCD) it only dropped like 200 so i don't understand how people are getting it below 10000 let alone 2000. I haven't bought a car yet but could somebody tell me what is the up most cheapest car to insure and all the combinations that make it cheaper. Once more annoying is that I live in a pretty nicer area so you wouldn't think it would cost as much compared to other people but they seem to get theirs cheaper.""
Can I insure my boyfriends car in my name and him as a named driver?
We are trying to get the cost of his car insurance down and realised if we insure it in my name and add him as a named driver it is much cheaper. Is this allowed even though I have my own car? currently live seperately but due to move in together in 3 weeks.
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any tips to bring the price down? or any insurers going cheap atm? 24 yr old guy 1 yrs no claims citeron saxo desire 03 reg park it on a drive way
Car insurance broker or direct to insurance company?
I'm about to get a car, and i'm thinking about car insurance. The thing is, I don't know whether should i go to an insurance broker, or just shop around doing all these web quotes and find the cheapest out there and call them directly. Should i just do this or should i contact an insurance broker? What are the pros and cons of dealing w/ insurance broker? thanks""
Does anybody know any Insurance Company sell GAP insurance for a car bought more than 12 months ago?
I bought my car nearly a year ago and I do not have a GAP insurance. I am thinking to buy this GAP insurance but the companies I have spoken to said they only sell for the cars bought within last 30 or 90 days. So if any of you know a company does in my situation that ll be very helpful. Thank you very much
Health insurance?
how much does health insurance cost?
I need some general information about the cost of a motorcycle versus a car?
I have been wanting a motorcycle since I got my regular drivers license, but persuading my parents has proven difficult, as always. My mom seems to be fine with it but my dad, who is normally the one to crush such ideas, is actually considering it if I research the financial aspect of a motorcycle vs. a car. I would appreciate it if anyone had information about how much insurance would go up (I'm 17 so it's probably too expensive already), regular maintenance costs of motorcycles and cars, and anything else relating to the total cost of both. I have about 2500 dollars saved up, and my mom said she would personally loan me up to 1000 at a lower interest rate than the bank, but I could probably take out a loan on top of that, but I would rather avoid that if I can. I am specifically looking at sport bikes, especially the kawasaki ninja 250R because of what I heard, It's reliable, a great beginner's bike, and it's a lot cheaper than other companies I have researched. I simply want a motorcycle even if it's slightly more expensive than a car because I have always liked motorcycles, but nonetheless my father told me to research the financial side of things, so any information is greatly appreciated. And by all means, if I am misinformed about anything like my notion on the ninja 250R, please tell me.""
Car insurance for a financed Audi A4?
What is the least expensive car insurance agency?
Can you cancel your life insurance policy anytime you want?
Can you cancel your life insurance policy anytime you want?
Do i need insurance to leave my car parked on the street?
Its got tax and mot but if its not being driven, just parked outside do i need insurance for it? A neighbour told me someone else in the street got towed away as there was no insurance on it.""
What is the average monthly insurance cost for a Box Truck or Commercial Vehicle?
I'd rather not give any companies my personal information, so can anyone give me an monthly estimate for box truck insurance?""
How much would insurance for a land rover be?
I'm 16 a girl and I have straight a's if that matters. I'm thinking about getting a land rover rl2. How much monthly would everything cost(gas insurance and payment) I live in Southern California btw
Insurance For a 2006 Bmw M5 For a New Driver?
Im !7 and im thinking about getting a 2006 Bmw M5 What will the insurance rate be? Right now im driving a 2011 BMW 535XI Station Wagon will the M5's insurance be more or alot more?
Has legislative push for affordable insurance been cut short in the u.s congress?
Has legislative push for affordable insurance been cut short in the u.s congress?
Getting insurance under my name?
I currently live in NJ. I'm planning on switching insurance companies and i would like to put it under my name. I'm currently under my dad's policy and he is the owner of the car. But, for me to get my own insurance, i need to transfer to title under my name. But, it says that you need proof of insurance before you can transfer the title. Is my dad's insurance (which is the current insurance for the car) good enough for proof?""
Getting added on to my parents auto insurance?
ok well i just got my license and want to get added onto my parents insurance and a want to know an estimate on how much it would cost for me to do that. Im a 17 year old male and my parents have AIG. So please help me
What is the cheapest car & insurance combination a 17 year old girl can get in the uk?
basically, what is a cheap car that has really cheap insurance for people who have just passed? thanks""
Life insurance for young couples...?
I've been searching online for a very cheap life insurance For me and my husband.. But no luck.. We live in NY. Can any send me a link Are just tell me about any u may know?.. Thanks a lot. Am 28yrs and he is 37yrs. Thanks in advance..
""Insured vehicle in NY, and registered in CA, Is that legal?""
I have lived in NY all my life untill 2 months ago when i moved to CA. Now I'm looking to get a second truck for transportation. My current and only car is still registered and insured in NY state, what will happen when if i buy this and want to add this for my second vehicle on my current insurance? Will registering it in CA and have insurance on it in NY work? thanks.""
you travel insurance quote
you travel insurance quote
Does it cost more money to ad your spouse with your car insurance?
My wife keeps asking for my car. But I dont feel comfortable giving it to her becuase her name's not under my car insurance. How does it work if i want to ad her on? Do the insurance company charge you more money or is it still the same? If they do charge more money, do you know any insurance that's reasonable price? thank you""
""Insurance- Cabin, not sure which insurance?""
We live ouside of Canada, but own property with a cabin on it. My dad and aunt own it. According to the insurance if one of the owners (ppl on the insurance) are not on the property (say, 500 miles away) if something happens (like someone falls breaks there leg) to someone we take there, we are not covered and could sue us. If my dad put me on the insurance would our aunt have the right to sell the property without us having any say? He thinks that if I am put on the insurance I will be on his half and my aunt will still have her half therefore giving her more power. Is there any way around this insurance and suing thing if I want to go up there with some friends without them?""
""I just received a position where I am given Benefits for the first time, I have questions about Insurance?""
Does what I pay for insurance come out monthly? or every check? what is coinsurance? How do deductibles work? Stupid questions I am sure, but I have never had the option to pick insurance, and I haven't been covered by my parents insurance for at least 7 years. I didn't go to the doctor much when i was covered, so I never learned what my parents had to do.""
What would my monthly Homeowners Insurance premium be?
For a home in Lapeer, MI 48446. The House is 1600 Square feet, built in the 80's. I was told on Yahoo!'s calculator I would need around 180,000 worth of coverage, but I dont know how to compute that into a monthly payment. Thanks""
""What are some good, low cost family health insurance plans for...?""
My husband and I need health insurance. He is a full time student and I am full time worker. We cannot get decent health insurance through his school or my work. We are looking for a low deductable, 0% coinsurance, and we need something with great maternity coverage, since we're planning on starting a family soon. If you know of any great plans like this, please share! Thank you for your help!""
I did something a bit too late on car insurance?
you know you have to pay every year car insurance , and at the moment I'm a bit tight on money , I phoned up to cancel my insurance so I could get a refund , but I was 8 months already on my insurance , I wanted that money back so I could pay another car insurance, is just I can't go on paying alot every year, they've kept that money now and my plan didn't go right , I feel totally devasted""
""New to real estate, question about auto insurance?""
I drive my parents car but i am not insured, now that i've joined a real estate firm, they want me to have them as an additional insured. So what can I do now? Do I have to get insurance under my name? And how much would it cost to get the firm as an additional insured?""
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?""
Who has the cheapest car insurance?
...
Is there any user friendly and cheap motorcycles out there?
Hi, I'm 17 years old and looking to get a motorcycle. I have good grades and will only drive a motorcycle when the conditions are right. Like weather, cars on the road Sat. Sun. which has less cars, and going to school and to work. I don't care if I die and I'm not afraid to die. I have $7,000 saved up in the bank and would like to buy a Ninja 250 for $3,500 -2008. Plus $400 for gear and classes. I will get my driver's license this December and will take the MSD courses in spring of 2010. I can't find any used or cheap ninja 250's around my area and I think I would rather go stright to the dealer rather then the seller because of too much red tape and work. I think my insurance will be cheaper because I will ride only to school and work and I have good grades. Even though I am young. SO, is there any place I can find any user friendly bikes or cheap ninja 250's?""
Cheap car insurance im 19 male 1yr no claims any ideas or websites?
i need my insurance to be as cheap as possible any help ? ideas ? any thing lol any websites or anything to help thank you i know im in the same boat as everyone but this is worth a try lol
How do I challenge my auto insurance company's appraisal of damages to other car in an at-fault(my) acci ?
I read-ended another car at an intersection. Both of us were stopped at a light. When the light turned green, the other car started moving and immediately slammed on brakes. In the meanwhile, I had taken my foot off brake and hit the car (at < 5mph). The other party has filed claim for $1350 for damages and also for unknown amount of bodily injury. There is not even a mark of any collision on my car (as the speed was low). My insurance company has agreed to their claim related to damages and is waiting for the exact amount for the bodily injury claim. This has been quite unfair to me and will definitely bump up my premium like crazy. Is there any way I can challenge my insurance company's appraisal of the damages ? Are there any other alternatives ? What kind of evidence would I need to furnish for the same ? We had called a Cop to report the accident. I wanted him to note that the impact was at < 5mph. However, he refused to do that saying that this would be left to insurance""
Can someone tell me how much will cost insurance for my friends car just for driving test day?
Can someone tell me how much will cost insurance for my friends car just for driving test day?
Car insurance?
i have a license and live in CT and i have a question about insurance the web page says the vehicles should be insured. my dad and mom have insurance for their them but i dont so i dont have to get insurance because the vehicle is insured? or everyone should have insurance who drives on the road?
""My car was stolen and now I'm being investigated for insurance fraud. I'm only 18, help!!?""
My car was stolen on Saturday. I was driving in the car with someone I thought I could trust and when I went inside a subway terminal to meet another friend I left the keys in the car and the person who was in the car with me took off with the car, my phone, my purse, and about $1500 worth of shopping bags and boxed furniture that I had just bought from Ikea. I called the police and they aren't doing much help. I've had to investigate a lot of this myself. The person who took my car doesn't have permanent housing so its been hard to track him down. I found out from the cops he has 4 other warrants out for his arrest for crimes relating to cars. Obviously, I didn't know that when I left him alone with mine. After my dad filed a claim to our insurance company, they said they were going to begin an investigation and sent us a letter saying it was within their rights not to give us any money for the car. They think me and the person who stole the car are working together to get money off of them. Their going to interview me and I'm really scared. The last time I broke the law was when I was five and tried to steal a barbie from Walgreens. I'm only 18 now and I don't even know how insurance or fraud work, never mind insurance fraud. They're going to accuse me. They only thing I'm really guilty of is being stupid/ naive/ gullible. I trusted a person who I should not have trusted. My questions are: 1) How can I track down this person? I sent a messege on Facebook to all of our mutual friends telling them to keep an eye out. 2) How can I move the investigation from the police (who are on my side) along, when they aren't really doing anything? 3) What am I supposed to tell the insurance guy? What should I say? I just want my car back. I feel so helpless, please help.""
How much would car insurance be under my dad's policy? Or by itself under my name?
I'll be 21 in September and I'm getting a car really soon. I just have no clue how much the premium is going to cost me. I'm getting an older car. 100,000+ miles. So my question is, if I insure my car under my dad's policy and put it as one of those cars that is occasionally/rarely used , how much would a premium cost? If I decided to not join my dad's insurance and just get my own, how much would it cost? I'm not looking for sure good insurance because I'm a very safe driver- but I'm also not looking for crappy shady insurance either. Thanks!""
Low-cost health insurance company?
I have been trying to do research on the state of health insurance in the US and am not getting much informative stuff. What is stopping a private, non- or for-profit company setting up a lower-premium health insurance company? these are the possible problems i have come up with so far: - the insurance claims will far exhaust the float (is this true?) - the demand will be overwhelming (but this shouldn't be too bad considering the insurance business is not heavy on capital expenditures?) - it would be difficult to cover the high costs of drugs and specialist medical costs with lower premiums - getting hands on enough and reliable data in order to calculate proper costs, probabilities of claims against a potential pool of funds, etc. possible solutions would of course begin with restricting the pool of people granted insurance (restrict by probability of claiming insurance) until more data can be gathered to offer insurance to less healthy candidates.""
Advise please for a cheapest and reliable car insurance here in orange county CA?
For a 2012 honda civic LX thank you
Car insurance cheaper with 2 drivers?
Ok guys, learning to drive hopefully pass my test within a couple of months, what I'm wondering is, I'll go onto my fathers insurance for a couple of years as 2nd driver, no I will not be the main driver before any of you come on to say that's illegal it's called fronting I know I know. He uses it 5 days a week for work anyway ill probably only be using it during the weekends, I'm only really going on his so I can get a couple of years on my license and when it comes to it my insurance won't be a fortune, I'm 25 just now, worked out if I want to have my own insurance it with a small 1L engine it would cost me 1547 a year, not gonna happen, so I'm going to go onto my fathers insurance as 2nd driver to his car. A 1.8L vauxhall vectra. Ok now to the question lol, my fathers insurance just now is 26 a month, with me going on to his insurance it will work out at 18 each a month, is this normal? Insurance to go down when you add a 2nd named driver who would only have passed his test?? This is fully comprehensive cover. But if I wanted to driver my own car a small 1L engine it would be roughly 129 a month. Seems like it doesn't add up. Go figure lol Got the quotes from go compare and confused.com. Just seems like it doesn't add up, have insurance for 26 a month with 1 driver or have it for 18 each with 2 drivers, one who has little experience and has only just passed his test driving a 1.8L engine""
Can you get car insurance just for a few days?
1st time driving (well With my license) lmao, have drove be4. but i got my g1 a month ago, and bought an suv 2days ago wht i play on gettin rid of as i found at theres no way i can get it safty as it needs a weld. but i would at least like to drive it for a few days on a Trip permit, but u need insureance in order to get tht. and i was told there is a pay-by-day insurance that u can get. so i am wondering how much would insurance be for only 10days? as thts how long a trip permit is good for ps.. i live in belleville ontario""
Can I drive my friends car without insurance?
I don't own a car. I don't have auto insurance. If I borrow a friends car, am I covered under his insurance? is there a special type of insurance for people like me?""
Car insurance?
my car is not insured, my friend wants to borrow it and has own insurance for their car, she allowed to drive any car with the owners consent, will her insurance be valid as i have no insurance, i belive that it wont be but they telling me differant, can someone please help me and settle this argument once and for all thank you""
Anyone know where to get esthetics liability insurance?
I am working as an independent contractor. Any suggestions for insurance companies?
Whats the best California insurance ?
I want full coverage what's the best company
How much does car insurance cost per month?
I'm turning 16 and getting my license and need to tart saving up. IDK if it matters but this is my car: 2000 Mazda 626
you travel insurance quote
you travel insurance quote
How Long Is A Car Insurance Quote Good For?
wanted to know
Will I be arrested if my parents do not include me on their car insurance policy?
I am about to receive a license, and am nervous about driving my parent's car without being included on their policy (I am 16). We simply cannot afford to pay for another driver. Hypothetically, if I am stopped for speeding or something of that nature, would they check proof of insurance, and, if so, would I be arrested for my lack thereof?""
Can you drive someone else's insured car without YOU having your own personal insurance in Ohio?
I'm 17 and i get my license the 26th. My mom is now paying off my car but i do not have insurance yet. Is it legal for me to drive hers or anyone else's car that has car ...show more
Problem with insurance?
I got in an accident that I am not in fault. Basically I was stopped at the intersection behind the red lights. A car from opposite side ran the red light hit the crossing car and the second car spin and hit my car. I have full caoverage and fixed my car with my insurance and have my insurance claim the money from the first driver insurance company. I rent a car under my coverage and also pay $500 deductable to fix my car. Now is almost a month pass and I keep calling my insurance to know if they got paid by the other insurance and requesting to pay me back for rental and the 500. My insurance is telling me that they may not be able to get ever thing they might be get only the cost of the fixing my car. What should I do? Should I sue my insurance or not?
How much will my car insurance cosT?
We have Allstate. 2 cars, and my mom and dad are both covered on both cars. If I were to get my license in a week, when I am 16 how much will that increase there bill too? I only want to get insured for one car, and its an older classic car. Also I have taken an online drivers ed course.""
Car Accident-Health Insurance?
I was in a low-impact car accident and went to the ER the next day to get checked up just incase. I went to my doctor because of back pain and when I mentioned I was in a car accident. They told me I could not go through my health insurance that it has to be through my car insurance. It turns out I have herniated discs and now my doctor has referred me to see an orthopedic surgeon but, I do not feel that the car accident was the cause of the herniated discs. I asked again if I can treatment through my health insurance and I was told by one of the office assistants that it is fraud if I use my health insurance. If I explain to my doctor that I fell down the stairs and insist that I do not want to through through my car insurance because I do not feel the car accident was the cause will he change his mind and refer me to the specialist using my health insurance or should I go through another doctor.""
How much does a person riding a motorcycel have to pay a month for insurance?
also provide your age, becuase i heard the older you are the less u have to pay..""
Is there car insurance for people who don't own cars in Ontario?
My parents are taking me off their insurance as an occasional driver. I don't own a car and don't plan on getting one. I was wondering if I need insurance in order to drive someone else's car? I haven't had any luck finding info relevant to Ontario. Thanks!
Would you accept a job working as an Insurance Call Center Agent?
The job entails helping senior citizens all over the country obtain affordable insurance solutions that cover their final expenses and medical bills. The work hours are Monday  ...show more
What is the best resource for getting short term car insurance?
I am looking for a short term car insurance in UK, can someone please recommend some affordable and reliable companies?""
Car Insurance Costs.?
Coverage Type: Your Basic needs Collision: $250 Deductible Comprehensive: $250 Deductible Medical: None Bodily Injury Liability: $100,000/300,000 Limit Property Damage: $50,000 Limit Towing: Yes Rental Reimbursement: None ^^ Does anyone have an clue towards how much that would be monthly?""
I need a thesis senctence on citizens not being able to afford health insurance?
I need a thesis senctence on citizens not being able to afford health insurance?
""Average utility and insurance cost Orland Park, IL?""
I'm planning on buying a townhouse in Orland Park, IL and was wondering what the average utility (water, electricity, heat, disposal) costs are? Anyone have any estimates on insurance? The association fees cover common insurance but don't think it covers anything within the four walls of the house. Know what insurance requirements the lender puts on mortgages? Trying to estimate how much home ownership really is.""
How can my car insurance go up from 128$ to 178$?
My car is all paid off and has been since I bought it. But I don't know why it went up. I looked up other car quotes and there much higheer then what im paying now.
Health Insurance Out of State?
I have pectus excavatum and I live in Marshalltown Iowa. I want to get a cosmetic procedure done called the nuss procedure. Most insurance companies say they cover this surgery. I know for a fact that my condition is severe enough that I could get the procedure done. I also want to get the procedure done out of state because the only doctor that's able to do it in Iowa blows and nearly killed 2 people. What type of insurance do I need specifically need for this? I can spend 300-350$ maximum but would like to spend 200-250$ for insurance. Pectus excavatum is classified as a pre-existing medical condition so I have been told that it would be hard for me to get insurance. Right now I have IowaCare which is a joke and only covers surgery or hospitalization in Iowa City. Thanks!!!
2003 Mustang GT insurance cost?
I am looking at a 2003 Mustang GT with 93k miles on it. I am a 16 year old boy and we are looking to add this to my parent's current policy. I have good grades, we will have multiple cars and home insurance with the same company. Any idea on an approximate cost per month for insurance on this car?""
When does car insurance lower for a guy?
I am 20 years old, I have been driving for the past 4 years with my parents cars. I pay through my parents for my insurance. I am looking to buy my own car and the insurance is only slightly lower than paying for what I have now! I looked at an 01 Ford Focus and it will cost my $1200 for 6 months! I also looked at a Ford Taurus it was about $900 for 6 months, a 97 Malibu is about the same as is a 97 Olds. The cheapest insurance I could find was a 94 Ford Ranger which is only $850 for 6 months. When does car insurance lower for a guy?""
Car insurance Questions!! HELP!!!?
My wife and I bought a used car the other day. The car dealership didnt require us to have insurance on it before we left because we paid cash for it. Well on the way home she got into a wreck. It was her fault. Someone said that the dealership covers the car up to 30 days from the time you bought it?? Does anyone know abt this? Or know how I can have it covered? Thanks
Father is looking for medical insurance. Any suggestions on which company?
My father is looking for medical insurance that covers stuff like x-rays, perscription, doctor visits, etc. Does anyone have a good medical inssurance company that covers that stuff ...show more""
What is the best age to buy life insurance?
What is the best age to buy life insurance?
Can a 17 year old get insurance in her name in mo?
I'm 17 and i have my own car, dont live at home 2 hours away to be spacific, have a job and a son i turn 18 really soon and i was just wondering is it possible to get insurance in my name? Its in the baby daddys name right now but its like 200 dollars a month and i think its so high because his age sex and criminal record and his wrecks. For me i have never been in a car wreck or in trouble with the law and attending GED classes until school starts back up and then im going to take my ged at the school and get my hs diploma ive heard if your attending school or what not there are discounts. Any way please just answer my ? all rude comments will be deleted thanks!!!""
Insurance with a permit?
so i have my permit, and i can now start driving on the road, so i was wondering if i need insurance for me. the car i'm gonna be driving is already insured, so do i need insurance for myself.""
Which car insurance companies have you found to be cheapest for a teen?
Im 17 years-old and plan to be added to my parent's car insurance. I have good grades, took drivers ed, will be driving an older car and live in Idaho. Which company will work best for my situation? All help is appreciated.""
Till what age can we get health insurance?
I want to know the upper age limit for purchasing health insurance.
Braces cost without insurance ??!! HELPP!!! $4200???!!?
Apparently my teeth aren't severe enough for insurance to cover it, but i was told that i still need them. I tried Twice Now (16-17 yrs'ol) in NYC My teeth are similar to hers where on big tooth is a little pushed back and the other forward and the bottom is crowed & one tooth is sticking wayyy out of alignment http://www.public.iastate.edu/~lora/braces_decision.html Iwent to a dentist & they said i would have to pay 4200 for them. Obviously my mom is not going to pay that even with a payment plan, is this the usual cost for braces without insurance coving it ??!!!""
you travel insurance quote
you travel insurance quote
How should I renew my car insurance in this case of seperation (not yet divorced)?
My husband and I separated 6 months ago. our divorce is not yet final (an other 6 months to go). My car insurance is due, and i want to pay the next 6 months. I've always been on my husband's car insurance. what points should i pay attention to while discussing the policies with the insurance agent? some tips to avoid paying extra fees (with no necessities) please share tips / suggestions. Thank you !""
Can I get my own auto insurance?
I am 16 years old and about to buy a car. My mother doesn't drive, so she doesn't have auto insurance. Would I be able to get insurance if she doesn't have her license? If so, with what company?""
Car Insurance Cheap!!!?
Where to find really cheap car insurance?
""So i have a full coverage on my car insurance, and now this situation, need advice?
The insurance estimator guy told me that i can only take my car to a specific place to be repaired OTHERWISE he is going to tell me that the car being ruined was my fault (it ...show more
Do I Need Auto Insurance if I don't have a car?
Ok, well i just got my liscense [ i`m 16 ] ... i don't have a car, so do i need auto insurance? i don't know if this is a dumb question, but people are telling me i need to be added to my mom's insurance and stuff. i`m trying to under stnad the whole car insurance thing so hopefully somebody can help.""
Car insurance__________________?
How much do you pay for car insurance? (in a year), mine is going to expire in november (november, 30) when I am supposed to go to the agency to renew it? Can I go for example on november 1st?""
What would the minimum insurance for a 2008 Ford Ranger truck for someone over 30 w/ a good driving record?
...in Texas. A female. Can you recommend one?
Car insurance. the diffrence in price?
i am looking for car insurance, and when i type in the address i am at the moment and the address i want to move in to, only thing is the house i living at seems to lower the ...show more""
How much will my insurance go up for my traffic violations?
Over the summer I got a ticket for passed inspection date. Then in December I got 2 tickets simultaneously. One was a 16miles over the limit and the other for not having my driver's license in my car (but I do have one). How much will my car insurance go up?
Should I take off full coverage and just get liability insurance on my car?
I have a 2001 Ford Taurus worth around $5k according to kbb.com. Should I take full coverage insurance off of the car and just get liability? I am not accident prone (though I ...show more
Car Insurance for Tourists?
I bought a new car in Germany. It is insured through its manufacturer. I then left Germany and went to another country to work and live. Since I wanted to keep the car, I drove it to my new home! For the first 3 months (I am told) I am still insured as a Tourist. But I wonder... Say I have an accident in this new country, we exchange insurance details, etc... Where should the other driver go to get his compensation and file his claim? Has anyone ever had an accident with, say even, a rental car from another country and found out that they live elsewhere and . . . How should one deal with this situation where there might even be language barriers between the two drivers and the forms they have to fill in? Thanks in advance
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..""
Cheap auto insurance in miami?
Does anyone know of a cheap auto insurance company in miami? i am 20 years old and i have gotten quotes from Esurance, geico, and progressive. the cheapest was Geico and it was $278 a month for the Basic coverage. I own my car and it is a 2003 Hyundai Tiburon""
""How is it my insurance coverage costs go down, but not my yearly fees?""
I've only had my license a few years, so only had to pay this a few times, but the first time my car was insured for $15,500. The second time it dropped to $13,500. Yet both times I'm expected to pay $460 for the year. Cheap because I'm going through someone else's name 'cause it would cost me about $1,800. Why do the coverage costs go down but not the fees?""
What auto insurance to get?
Im 17. Drive 1993 bmw 318is e36 black Car title is on my name Still live with parents Barely make 500 a month and still need to get new paint job and new tires. Ive calculated and turns out thats around 1k. So what auto insurance would be good for me? At least so it covers the damage done by me to other people.. not to expensive please. East Tennessee
Can you give me any tips for finding cheap medical insurance in California?
Can you give me any tips for finding cheap medical insurance in California?
Insurance settlement.?
Back in October, I was hit by a vehicle that was backing out too fast from a parking spot. My vehicle was parked and there was no one in the driver seat. My three children were also ...show more""
Best life insurance policy?
Which is the best life insurance policy for tax saving and investment for employee?
Can you buy/insure a car without a drivers license?
My bf and I are buying another car in November, which will be for my use when I get my full license (I currently only have my G1.) I would like to have it registered and insured in my name. Am I able to do this when I get the car or do I have to put it in his name and change it over when I get my full license? I live in Ontario. Thanks in advance.""
Car insurance for someone under 25 arizona?
How much would car insurance be or the cheapest I live in arizona and drive a 1994 Saturn sl2
Flood insurance?
Looking to possibly buying a house inside a flood zone and I'll need flood insurance. Any idea on what that might cost me? Thanks.
Help with car insurance?
I have a 2000 Chevy silverado Ext Cab w/ the 5.3 liter v8. I am 16 and my insurance is $175 a month. I am looking into getting a Pontiac G6 05-06 model. My question is, how much more do you think i will have to pay per month, even though its a smaller car witha smaller engine, but is a newer car?""
What car insurance is best/cheapest?
I am going to be getting a used car from my uncle and would like to know your opinion on what car insurance to get. My parents wont put me on their plan(this is my first car btw) so I have to get my own. I need a cheaper plan considering I only work during the summer as of now(thinking of getting a job on my college campus next semester). Any help would be good(your experience etc) I tried going onto the General insurance website(commercials say their cheap) for a quote but they keep on sending me to a Geico website, has anyone else had this problem? Thanks in advance for answering.(BTW I am a girl, I know that we get cheeper insurance typically for some reason lol and I also went through drivers ed in the past and I know most companies will give me a discount for that)""
Medicare or other affordable health insurance?
I live in NYC, just moved here and need to find relatively affordable health insurance. Up till now was covered by plans through employers. Is Medicare decent coverage? Is it very different from others?""
How much is the car insurance here in london? im 18 years old holding a provisional driving license?
How much is the car insurance here in london? im 18 years old holding a provisional driving license?
you travel insurance quote
you travel insurance quote
https://www.linkedin.com/pulse/where-can-i-get-comprehensive-car-insurance-cover-serbia-andrews/"
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ionqins · 7 years
Text
170525 EXO’rDIUM in NY/NJ fan account
tl;dr: don’t camp out if you want to enjoy the concert.
before i jump into the actual concert day, here’s a summary of the announcement and ticketing extravaganza.
so mymusictaste (mmt) officially announced exo’s “north american” tour in ny and la on feb 9. they also announced that “makers” got to buy their tickets during the presale before the general public and also get 10% off their ticket (1 ticket per maker). “makers” are people who had gone onto mmt’s official site before ~9pm feb 9 (up until about one hour after mmt posted their announcement), made a (free) account, and clicked on the “make” button for exo in ny 2017. 
immediately, there was an uproar from fans- on how the whole makers getting a presale is unfair, on how soon the tickets are going on sale, and on how exo isnt going to nearly as many stops as last year. atlanta fans were especially upset because their city had one of the highest “makers” from last year - which was supposedly what mmt uses to decide which cities to hold concerts in - and mmt skipped atlanta both last year and this year. mmt, of course, stayed mute to all the complaints thrown at them, as they always do.
fast-forward to ticket presale day. my sister and i were ready with our 7 devices on ticketmaster, waiting for a bloodbath and not taking any chances, seeing our exo ticketing experience last year- standing ga ended up being ordered by ticketing number rather than fcfs, something mmt didnt clarify until after the sales. this year, the entire presale ended up being anti-climatic. fans found (supposedly from mmt’s site) that about ~3k fans were “makers” but it seemed like barely a few hundred made any dent on the presales. ga was wide open and the only really popular sections were the closest seated rows.
a few days later, the general sales opened up and the ~10k venue ended up selling about half the seats, a number that didnt really increase drastically after the first day of sales.
and fans blamed the poor ticket sales on mmt’s lack of promotion (but they promoted the same way as they did for last year’s sold-out show) or the concert being on a weekday (but so was bts’s sold out show a month prior) or expensive tix for no fan interaction (again, last year’s show had the same situation) or the presales discouraging non-makers to buy tix (but they literally had to take 30sec and navigate to the ticketing page to realize that presales barely did anything) or exo not going to as many stops as last year (i truly don’t understand how this is an excuse for lack of sales- shouldnt fewer stops mean more packed venues for the existing stops? specifically, northeast coast fans wouldve still had prudential center to fill up).
the real reasons for low sales were: 1- exo’s decreasing popularity in the US- it’s embarassing to see how exo fans refuse to see this fact. fandoms rise and fall, it’s the circle of life and there’s nothing to be ashamed of. exo may have been one of the more popular - if not the most popular - kpop concert act (i say this instead of simply “kpop act” because big bang is still the most popular household name) in the states, but there’s a new lion in town.
2- speaking of lions, bts’s tickets went on sale long before exo’s was, and most fans are younger and wouldnt be able to afford two concerts within a month of each other. but going back to point 1, im gonna go out on a limb here and say that even if these announcements/concerts were chronologically flipped, bts still would have sold out, just as they sold out every single other venue in their entire wings tour. and exo would still have a visible number of emptiness in their concert. the amount of negativity (“exo will never come to the states again”, “american exo fans are terrible”, telling fans to give their tickets away for free if they can’t make it - this was the biggest wtf moment i had during the ticketing experience. how about /you/ buy a $200 ticket and donate it to a fan?) leading up to the concert was appalling. i wish american exo fans start taking these experiences on a positive note and enjoy everything to the fullest while it lasts, instead of acting whiny and immature and blaming the organizers for the fandom’s own lackings. onto the actual concert experience. both my sister and i worked until regular hours the day before the concert, so we left home at around 7pm and drove up to the venue close to 11pm. the line was already at least 15+ tents and about 100 people from what we could see. i dropped my sister off with her sleeping bag and parked/checked in at the hotel we were staying at about a 10 minutes-walk away. i walked back to the venue (definitely sketchy neighborhood, would not rec to walk alone at night if you dont want to be cat-called). i brought a duffle bag and smuggled out a hotel pillow and towel, along with some food, water, a portable charger, and two umbrellas. it was only somewhat chilly (lows of 50s) but the rainy weather forecast was what worried us the most. i camped out for a few hours and then walked back to the hotel around 2am (again, would not rec) since i hadnt bought a sleeping bag and the cold was getting to me. i slept until 4am and then checked on the sis, and then slept again until 7:30am. /aside/ i was supposed to wake up at 6am and switch places with my sister but my phone alarm apparently doesnt go off when it’s in the ultimate power save mode, aka i was a terrible person and had my sister waiting for over an hour out in the cold and rain /end aside/ it had been constantly drizzling all night, with some wind to add to the chill. i took some hotel breakfast to-go and walked back to the venue to see everyone’s pale and lifeless faces. the number of people in front of us had doubled to about 200 overnight so that was just excellent. my sister looked like a wreck so i sent her back to the hotel to get some actual shut-eye while i held the fort. mmt had said they’ll start wristbanding the ga line at 10am, to create a numerical order for when we go in. so my sister comes back at 9:30am and we wait. and wait. and enjoy the torrential downpour of rain that nj so graciously gave us. around 11am some staff comes out and tells us they wont be wristbanding until 1:30pm. so then my sister goes back to the hotel, hoping she could sleep this time. shortly after 12, another staff member comes out and tells us they’ll start wristbanding soon so get your tickets ready. panicking, i call my sister half a dozen times and finally get a sleepy response. she runs back just in time to witness the mess mmt will create with this wristbanding process. now logically, mmt staff should have gone down the line of campers and given out these numerical wristbands in the order that we had already put ourselves in. but did they? of course not, why would mmt ever be logical? so some staff up at the very front of the line yelled for us to stand up and make /another line/ in front of them, about 5 feet away from our original line. as expected, an absolute stampede of fans followed. fans who were behind us ran up in front of us, and fans who were originally in front of us were no longer there if they had temporarily left the line right before for a bathroom or coffee break. the “line” we had made wasn’t exactly a line, either, but more of a hoarde. in my haste i had forgotten my phone at our camping site, but my sister was nice enough to go back and get it while i held our place in this new standing line (my phone was undamaged but our sleeping bag and most of our food was crushed). so mmt made us wait standing in this new line for another hour before they actually began coming down and putting our wristbands on. they then told us that we can leave this line if we want but that putting ourselves in order again will ultimately be up to us and that they “won’t be held accountable” if people cut us or if we can’t get back in the same order. so literally :) what is the point :) of this new line and the wristbands then :) the merch line was supposed to open up at 1pm but since nothing ever happens on time with mmt, we should’ve known. i stood in the wristband line while my sister went to the other side where the merch line was. she comes back around 3:30pm with the lightstick. then i decide to go back to the hotel to drop off our remaining stuff so we could go into the pit with no bags. i also leave our umbrellas, which later turned out to be a mistake. at 4pm i get a text saying that mmt decided us standing in line wasnt enough, they wanted to barricade us so we’d feel like canned fish. the wind is howling by this time, and the temperatures had dropped to what it was the night before. it also started raining again. i walk back and was allowed to jump the barricade once one of the fans we were standing with yelled “sister!” these were the fans who were in line since the night before (with a sprinkling of fans who cut in line earlier that morning), so they meant business when someone requested to get back in line. so here we stand, squished like sardines as the weather gets more chilly and windy. and then it begins to rain, of course. i had left our umbrellas at the hotel so we wouldnt have to carry anything into the pit but that was a grave mistake. we all tried to huddle under the nearest umbrella that we could, but the winds blew the rain every which way so nearly everyone was soaked in the end. someone behind us was nice enough to give us plastic trash bags, which we made holes into to wear like ponchos. it was 5pm, then 6pm, when we could see staff inside spreading out carpets and then standing around. then 6:30 came, one hour before the concert and supposedly the time when doors open. but open they did not. after a few people called the venue, we were notified that there was “production issues” so we won’t be let in until 7pm. some assumed there was a previous event for which they had to clean up, others thought there was something wrong with exo’s stage, itself. many of us, including me, were shivering non-stop by this point. but we didnt have any other choice but to wait. 7pm comes by, and the doors were still shut and the staff inside still in their place. more phone calls later and again we learn that opening the doors is delayed by another half hour to 7:30. aka when the concert should have begun. between 7 and when they finally let us in at around 7:45, there were at least four people who either fainted or had panic attacks and had to be ushered inside (after fans had to continuously bang the windows to get the staff’s attention- and no, we weren’t just impatient to get let in so please come outside smh). 7:45 and we’re inside. i’m still wet and shivering and too cold to take off my jacket and put it over the railing as i had planned. my friend was near the back of the ga line and she barely made it in when the concert began at 8:25, one hour after the advertised time. the concert was a blur, to be honest. this has to be the first time i yawned during a concert, and that, too, several times. most of the fans around me were equally tired. i had gone to the exoluxion concert at the same venue a year prior, and the difference in energy was striking. (with exoluxion, mmt had us lined up by ticket number so there was no camping out needed, no bad weather, and no one-hour delay). exo was fantastic, and despite their jetlag they were giving it their all. they made a few funny mistakes here and there but they just laughed it off and continued. the remixed versions of their older songs were very neat and i loved the upgraded pyrotechnics this year. i stood near the side of the stage where kai (ofc), chen, kyungsoo, and suho showed up the most. not to be biased but kai actually stole the show. being his usual self he gave each dance move his 110% and his smiles were absolute killer. his hair was also glorious, good goly what a mane. overall i did enjoy the concert. exo themselves put out a wonderful show, and sme provided a beautiful stage to watch the glory in. i just wish i had been awake to appreciate the boys more after waiting to see them for so long.
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