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random-imagines-blog · 3 years

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Love Peas {Hiram Lodge x Reader}

Requested by: Anonymous Wordcount: 1894 Summary: Hiram comes home after a very rough night. Notes: Mentions of death

Shifting under the covers, you heard a noise coming from downstairs. The house was usually quiet save for the murmur of the appliances and electronics, a sound that you had gotten used to over the months of living here with your boyfriend, Hiram. So each and every footstep on the ground sounded like a racket. You laid still, expecting the security system to trigger, saying that there was an intruder, but it did no such thing. The power was still on, you could hear the hum still, that little electrical buzz that was your constant background noise. So that meant whoever was in your house had the keycode. Hiram.

There was even more clamor from downstairs. A groaning sound. Now you knew for sure it was Hiram. You’ve heard him, unfortunately, be in pain on more than one occasion through your relationship. It was the price that he paid for being in the ‘business’ that he was.

You swept the blankets off of you, your bare feet touching the cold wooden floor. You pulled your robe closed over your pajamas as you made your way quickly to the door, through the hallway, and then started down the stairs to see what the damage was this time. You were always terrified that he was going to come home covered in blood, battered beyond repair. That you were going to hold him and hear nothing but the death rattle right before he would be gone. It was a scene that ran through your nightmares. A scene that if it were in front of you, you were ill-prepared to deal with.

There was nothing lazy, or just-woken up about your movements. Foot descending after foot on the runner of the stairs, keeping the chilliness of the hard floors at bay. Through the moonlight coming in through the windows, you were able to see a form just slipping out of the foyer, making it’s way to the kitchens. “Hiram?" You asked, reaching the bottom of the staircase and turning to follow. He was hurt, though there was no blood on the floor. There wasn’t a trail leading after him. But by the way that his leg was sliding behind him, it looked like it was broken at the very least. You flicked the switch and the kitchen came to life with bright lights, revealing everything. Under those florescent s, there was no room to hide.

Though Hiram was trying pretty hard to hide.

He sat down on the floor, head leaning back against the wooden cabinets. He was bruised, but that was an understatement. He was severely bruised. Black eye. Split lip. His usually perfect hair was tousled in a not-unattractive way but the very fact that he hadn’t immediately took a come to it scared you a little. If that was the state of his face, you were very concerned about the rest of him. You got down on your knees next to him, ignoring the discomfort, nervous to even touch him. He looked like he would break if he did.

“I can explain...” Hiram started off by saying, but then realized that he wasn’t going to be able to talk his way out of this one. He’d look up into your face, and then would immediately try to cut off the eye contact, looking down at the ground instead.

“I think this is going a bit beyond the first aid box’s capabilities,” You winced upon seeing the other side of his face. Oh lord, even that eye was starting to swell up. He was close to being a human bruise at this point. That poor, gorgeous face of his. “Maybe we should get you to a hospital. Is anything broken? How did you get home?”

“Cab,” Hiram admitted, ignoring your first question. “The driver was - taking care of things while I left.”

“Christ, Hiram,” You groaned. You got up to your feet, dashing towards the bathroom to get the first aid kit that was in there. The amount of times that you had to replace this thing. The pharmacy probably thought that you were in an abusive relationship. You came back to see that he hardly moved, other than to wipe a bit of blood that was coming from the deep cut in his bottom lip. You sat back down beside him, opened up the first aid kit, tore into a package that contained an alcohol wipe and started to blot.

“Do we got any ice packs?” Hiram moaned. You stood up to go and check, looking through the contents of the freezer. You rummaged past the frozen vegetables, frozen pizzas, bottles of alcohol to find that - no, there were no ice packs in the freezer.

“Have to do with some vegetables,” You said, grabbing a bag of frozen peas. You held it up to his face, pressing it as tenderly as you could against the rougher looking eye. He hissed, and brought his hand up to grab it, only to show you how damaged that looked too. Bloody knuckles were the least of his worries. “We’re going to have to get that looked at,” You said, pointing towards his hand.

“It’s fine,” He muttered, letting it rest on the bag, which was resting on his face. It looked like it hurt. You didn’t know how he wasn’t crying out for a hospital. You would be if you sustained even half of those injuries.

“As much as we love peas in this house, I don’t think they’re going to be granting you any miracles,” You said, and went back to dabbing with the alcohol wipe. “Your lip is going to need stitches. The cuts too big. It won’t heal right.” “So call my Doctor,” Hiram growled, grumpily. By instinct, you slapped the top of his thigh, making him gasp out in pain and drop the frozen bag onto the ground. It broke open, the little green vegetables scattering across the tiled floor.

“I don’t care how hurt you are, you don’t talk to me like that,” You said, shaking your finger in his face. “I’m just worried about you. I don’t know how many more of these you can take before you have some serious internal injuries. Even Houdini died from a punch to the stomach, and you’re not nearly as good at escaping trouble as he is.”

“Mi amor, comparing me to a dead man,” Hiram groaned, pushing peas off of his lap. You got up again, your legs getting a work out from all of the squats that you were doing tonight, and grabbed another bag of frozen peas. It was weird that there were so many, but even rich people buy stuff that’s on sale sometimes. It’s how you stayed rich.

“You keep this up and you will be a dead man,” You quipped, putting the fresh bag on his face, holding it this time instead of letting him do it. “At least let me look at you, please?”

He finally gave a nod, and you slowly lifted his shirt to see all of the markings and bruises that were on his abdomen. His torso looked like a Jackson Pollock painting with the different shades of colors everywhere. You winced, bringing the shirt back down. You really hated seeing him look like this. You’ve been pleading with him to retire since the last time that he had received a beating like this. Or at the very least, hire someone younger to take his place in these fights. He was getting too old for this. “You should see the other guys,” He quipped.

“I don’t doubt it. And what were they - half your age?” You asked, raising an eyebrow, moving the bag from one eye to the other. “Hiram, my love, don’t you think it’s about time that you think about retiring? We can move away from Riverdale. We can get a spot on the beach somewhere, where it never snows. Where it’s never warm. Where the only damage you have to worry about is getting too much sun. Getting burned. But I’ll take care of you and always put sunscreen on you. Aloe vera if you do end up getting burned. Just - think about it, okay? For me?”

“I can’t give up my business like that,” Hiram shook his head, not even considering the possibility. You sighed. You knew that was going to be his answer. You hadn’t been expecting anything else. And yet you were still disappointed. As per usual. “I cannot be seen as weak or everything that I’ve done so far will have been for nothing. All of that work. I can’t pull out yet.”

“Of course you can’t,” You sighed. “At the very least, can you plan on it in the future? I don’t want to be putting this bag on your eyes when you’re well into your seventies.”

“Do you think we’ll still love peas then, mi amor?” He asked, breaking into a smile despite what must be a lot of pain, especially in his lip area.

“I think the better question is will I still love you them,” You teased. pressing a kiss onto one of the few parts of his face that wasn’t mottled with bruises. “But yes, to both. These are lovepeas, don’t you know. Rumor says that if you put them on the black eye of the person that you love, you’ll be together until the ends of the Earth. Or until there are no more peas. But given how the bees are dying out, that might not even be until the ends of the earth.”

“And your creativity is why I love you, and why I always come home,” Hiram said, taking your wrists around his hands. You smiled gently, loving that he cared about the weird side of you. Not just the well made-up person who was always by his side at work events. He always had a way of making you feel like you were someone special. Someone worth adoring.

Now if only you could actually get him out of the criminal business and move somewhere like Mexico where you can lie on the beach together.

“Do you love me enough to let me leave for a moment to call the Doctor? I am worried about this lip of yours. I need it stitched up and better so I can kiss you again.”

“Yes, I suppose I love you that much.” His thumbs would rub at the underside of your wrists for a moment, and then he would gently release you so you could get up and walk back to the bedroom where your cellphone was waiting. Even leaving him that long seemed like an eternity. You called the doctor while you were on your way back down the stairs, hanging up as you entered the kitchen, just in time to see Hiram picking one of the frozen peas off of the ground and popping it into his mouth.

“What are you doing?” You asked, going for the broom and dustpan to finally clean that mess up.

“Oh, I thought these were the feel-better peas. You eat a couple and then you feel all better until the end of time?” He’d ask, showing his very rare funny side. You laughed and shook your head.

“Let me clean these up then I’ll get you to your chair. The doctor is on his way.”

#Hiram Lodge #Hiram Lodge x reader #Hiram Lodge oneshot #Riverdale #Riverdale oneshot #oneshot #one shot #request #hiraml #x reader

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rinthehufflepuff · 5 years

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Agent M pt. 2

Parings: Clintasha x Reader

Summary: You’ve been on the run for four years, never staying in one place too long, until you stumble across an abandoned house that seems the perfect place to bunker down in for the winter. Just as you’re getting comfortable, however, and the seasons start to change, the homeowners appear and they are far different from anything you could have expected.

Warnings: Language

Word Count: 2915

A/N: Tags are open in case you want to say up to date.

Part 1

The next few weeks were more than a little awkward for you, but Clint and Natasha didn’t seem to mind. Over lunch that first day, Natasha explained she and Clint had odd jobs that required them to be absent fairly often and more often than not ended up being more than a little dangerous. This meant that you would be doing most of the housework once they left, but they would make sure the electricity was kept on and they would set up a joint account for taking care of the house so you wouldn’t have to spend too much of your personal money. Clint had gone on to lay down a few rules that neither he nor Natasha elaborated on.

Rule one, the basement was off-limits unless there was an emergency. Unless a murderer was chasing you - you chuckled nervously but Clint’s voice was very serious - or a tornado blowing through, the basement was to remain locked and essentially forgotten. You weren’t even allowed to help renovate it. The door inside the house would be locked and the key kept next to the door frame while the entrance form the cellar doors on the exterior would be chained shut. The pair insisted it was for your safety and you didn’t bother pushing the topic. You were lucky they were letting you stay.

Rule two, if anyone asked, you lived alone and had never seen or heard of Clint or Natasha. Natasha said she would draw up an NDA that would make what you could and couldn’t talk about more clear, but until then you were, essentially, sworn to silence. When you asked if you could talk about Clint to Natasha and vice versa, Natasha groaned and complained that she had been tricked into sharing a house with two dorks rather than one. Clint just smiled and gave you a thumbs up in approval.

Rule three, no bringing people to the house. If something needed to be fixed while Clint and Natasha were away, either you needed to fix it yourself or you had to wait for them to come back. When you explained that you had already been fixing up the house, to begin with, Clint had you talk him through what you had already done. Apparently, he had not been in the house for over a year by the time you had found it and he had not realized that what he had seen upon arriving was only because you had been working on the house for months on end. Clint assured you the longest you would be alone now that he was back was a month - either he or Natasha would try to be at the house when they weren’t working.

You were the one to insist on rule number four - if Clint or Natasha needed anything fixed, whether it was at the house or while they were doing whatever it was their job entailed, they would give you a call. You had a phone, a small flip phone that you paid for by the minute, that you used for work. You insisted both people at the table put that number in their phones. When Natasha asked why you’d just shrugged and said, “Cheaper to get talked through it than pay some guy who might not know what they’re doing.”

In return for rule four, Natasha insisted on rule five - you had to call both Clint and Natasha in an emergency if they weren’t with you. If you had to go to the hospital, you had to call them. If someone broke into the house, you had to call them. If you felt unsafe or felt like you needed to leave, you had to call them. While you had insisted on rule four to be nice, the way Natasha stared at you and Clint’s firm voice insisted you pull out your phone that minute to put their numbers in, made you shift uncomfortably. Yes, it was nice to think that maybe you could all get along, but you hadn’t trusted anyone to more than stab you in the back for a very long time. The concern was foreign at this point and with the way Natasha scooted a little closer, you felt like she knew. Maybe she did.

Rule number six was an unspoken rule. You were responsible for Lucky when Clint and Natasha weren’t around. You didn’t mind in the slightest, the one-eyed retriever had kept his head in your leg the whole lunch while you occasionally scratched behind his ear when you got too nervous. Clint didn’t say much about what exactly happened, but apparently, he had taken Lucky in on one of his job assignments. When his employer refused to let him keep the dog without some sort of training, Clint had gotten Lucky into a program to be a licensed therapy dog. Whatever Natasha had been yelling earlier had been his command to come to them, which made you feel a little better. You’d never had a therapy dog before, how could you afford one, let alone take care of it, while you were living in the woods? Natasha promised to teach you his commands when she had time.

After that lunch, you had shown the pair around the house and explained the repairs you had already started in more detail. Clint pointed out some of the rooms to you as you went, but some of the rooms he simply ignored despite them obviously having been used at some point. You couldn’t be sure, you did your best to avoid looking anywhere near the man’s eyes, but he seemed particularly distressed when you came across the room with the broken wire bed frame. Clint said you could have that room instead of sleeping on the couch as you had been for the past few months. Clearly, he had been avoiding the house rather than just not having the time to visit between jobs, but you kept your mouth shut. It wasn’t your business what Clint did.

Over the next few days, the house started getting new furniture. Natasha dropped the bed frame off at the dump and she and Clint picked up two new wooden frames along with mattresses, one of which was for you as the two of them shared a bed. Even though you appreciated the gesture, you had slept on the floor for a few nights before you got used to sleeping in a bed again. Kitchen appliances started showing up as well and you would install them at night when you couldn’t sleep. You had to admit, it was nice to not have to use the fireplace to cook food.

You would go to work before the sun had fully risen, just as you had been, but when you came back to the house there were always small improvements. Cans of paint would appear, the holes in the wall would disappear - one day the wall between the kitchen and living room simply vanished - and the floors would get cleaned or ripped up and replaced. You usually worked on projects alone while Clint and Natasha would tackle whatever they had decided on while you were at the garage, but every so often you would join them or one of them would wordlessly lend a hand when you would struggle.

Meals were often the most awkward bit of your new living arrangement. With Clint and Natasha living in the house and helping pay for repairs and appliances, you had more money for food - which they also helped pay for despite your protests. Usually, it was you who cooked since Clint and Natasha were usually so tired by the time you got home. How they were so worn out, you could never figure out because you seemed to run off of endless amounts of energy, especially after being at the garage all day. The meals themselves were usually simple and cheap but nutrient-packed in simple ways you had learned over the years. Clint and Natasha never seemed to mind, though, seemingly enjoying having food that had been made in their home rather than an industrial kitchen like they were used to at their company. Every once in a rare while, Natasha would cook, usually something you had never had before with some foreign name. On those nights you would sit at the small table and quietly watch, letting her jabber away at you and sometimes asking questions about whatever it was she was doing. She was always more than happy to share. Clint, on the other hand, never cooked. Natasha had explained that she had banned him from doing so several years ago after an accident while they were working abroad. The awkward bit was always the eating part when all three of you were in the same room. You hadn’t taken long to warm up to Natasha as much as any other person you had known in the past few years, but you never knew what to say to Clint. You didn’t dislike him, he actually seemed quite nice and he always made an effort to include you in conversation, but you didn’t know how to interact with him. You still couldn’t look him in the eye, let alone hold a full conversation with the man.

Weekends weren’t as terrible as you had initially assumed. You still woke up as if you were going to work, but instead of working on the house, you would get dressed and work on the barn for a little bit - a project you hadn’t even considered before Clint and Natasha showed up. Though neither one ever said anything while you were working on the building, you could often feel their gaze following you as you worked.

The barn itself was very well built, the foundation built well below the frost line and the main structure was still as sturdy as you imagined it had always been. Most of what being stored in there, however, was junk. Some bits you could scrap or reuse, but most of the tools were rusted or rotted and practically useless. The tractor was broken down, a project you couldn’t shake from your mind and were excited to take once the barn was finished. From about dawn to dusk Fridays through Sundays you would work on the barn.

It wasn’t until the end of June that the pair had to separate.

“Well, it looks like it’ll just be you and Nat for a while, Y/N,” Clint sighed over lunch one Friday. The pair had managed to distract you from the barn long enough to shove a sandwich in your hands as a quick lunch, knowing you wouldn’t eat until late unless they did so. “Work called me in so I’m taking off in about an hour, but I shouldn’t be gone too long - two weeks at most. Think you can handle Nat on your own?” Natasha playfully swatted at him while you nodded. You knew with Clint gone Nat would look to you for company.

You weren’t wrong. It took all five hours after you heard Clint's truck pull out that Natasha appeared on the ground level of the barn while you were working on patching a section of the roof.

“So, where are you from?” You sighed at the inevitable line of questioning. If anything, you were surprised it had taken three months for it to start.

“Florida, ‘round the Tampa area,” you huffed, wriggling a bit on your back to try and get a good angle. “Guessing you aren’t from anywhere around here - my guess is Russia, but I’ve been wrong before.”

“What gave it away?”

“Yelling in a foreign language kinda does it, plus you talk to yourself in it all the time,” you grunted, nearly hitting your hand with the hammer as you drove the spike into the beam. “It took me a while to figure out it was Russan though, kept trying to block it out. Might have not meant anything if it was Spanish, could’ve had an immigrant in your close family. Plus you make foreign food, kinda screams “I’m not from here.” Not that it’s not good, I’ll let you make that beet soup thing any time you want.”

“Huh,” is all she says in reply. For a while, you work in silence before she’s asking other questions. “Where’d you learn to fix cars? That’s what you do right, work at the garage in town?”

“Picked it up as a kid, dad owned a chop-shop.” True enough, just not the whole truth. “Ended up going to college for engineering.”

“Really?” You paused and looked down at Natasha to see she was already staring up at you. She actually sounded interested in that bit of information and it made your stomach flip. “Auto-engineering’s kinda cool, I’ve picked up a bit of it myself.”

“Well, uh, the auto stuff I already knew,” you admitted. “Chop-shop kid, remember? I, erm, I - I went for mechanical engineering at first. Thought I’d expand my horizons a bit.”

“At first? What did you change to?”

“Well, I ended up with a mas- fuck that hurt - masters in electrical. The doctorate, though, is in mechanical engineering. That didn’t change.” You rolled and sat on the edge of the upper level so your legs dangled above the floor below. Natasha looked surprised at the news, though you couldn’t be sure if it was because she assumed you hadn't received a formal education or achieved the level of education you had. Maybe it was both.

“You’ve never mentioned a doctorate,” the redhead frowns. “How come? It’s pretty cool. Nerdy, but cool.”

“No one’s ever been interested before,” you shrugged. “Most people don’t care about that kind of stuff, yeh know?”

“But, Y/N you could do just about anything you wanted with those areas of engineering with that kind of education.” She wanted to know why you were at the garage. Why you had been homeless until she and Clint let you stay with them.

You just shrugged and rolled back to continue working on the section of roof you had been repairing when she arrived. You didn't want to talk about it - any of it. Seeming to understand that the conversation was over, Natasha started talking about the project she had just finished and what she was thinking about starting while Clint was gone. She wanted your help painting the rooms that were finished - the kitchen, living room, and the downstairs and upstairs bathrooms. She wanted your opinions on colors, on if you thought she should get Clint to make the windows in some rooms bigger to let in more natural light rather than just artificial light. She wanted to know if you could figure out a way to make a large spice storage and pantry that would be unobtrusive and a little tucked away. Did you think that she should remove the ivy that still clung to the house or try to cultivate it, cut it back and reshape it so that it looked like it belonged rather than being just an annoyance? Should she surprise Clint and paint their bedroom - you would need to help pick out the color for that as well - or should she wait for him to come home?

You couldn’t help but feel remarkably domestic and, dare you say it, normal, as Natasha talked. You moved from one project to the next the rest of the day and she just kept chatting away while you occasionally gave one or two word answers. At first, it was because you were annoyed, this was your barn time - something you had designated as sacred alone time - but slowly it turned into a game. How little could you say while also answering Natasha’s no longer personal questions? It was easier than you had thought to slip into some sort of comfortable space with her, even though Clint - who you had thought of as a human buffer between you and Natasha - had left. You weren’t sure how she did it, but by the time the sun was just about gone, you had come to enjoy the game of few worded answers that she had coaxed you into playing. Because she had coaxed you into playing, you realized as you munched on a hamburger. It was something you were quickly realizing about Natasha, she had a talent for getting you to do things without you realizing she was the one pulling the strings until after the fact.

Saturday morning was another break in the routine you had grown accustomed to with Clint and Natasha in the house. Natasha was already up when you crept downstairs to grab your usual cereal bar before you set out to work on the siding for the barn. Natasha was curled up on the couch, a book in her lap, and when you didn't spot any sort of foodstuffs near her, you figured she hadn’t eaten yet. You hesitate for only a moment before ducking onto the kitchen and making some scrambled eggs with cheese and bits of bacon. By the time you had finished, she hadn’t moved from her spot so you fixed a cup of coffee like you had seen Clint do several times - cold, from the carafe in the fridge, with a splash of half-n-half and a spoon of sweetener. You wordlessly deposited the plate and mug on the box you had all been using as a coffee table before setting out to start repairs for the day.

Part Three

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6stronghands · 6 years

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please read. it’s long. but i need to say this:

Broken in the past year:

Dishwasher, refrigerator, microwave, furnace, water heater, toilet, gas fireplace, TV, 2 laptops, 2 cellphones, my eyeglasses, the locking system, door handle, driver window (stuck DOWN not up, of course) and catalytic converter on my 15 year old minivan and the other car, a 22 year old beloved 4 Runner had to be junked because it was so decrepit and unfixable (it’s a credit to those amazing early generation Runners though, because it made 260,000 miles and basically ran on Marvel Mystery Oil, Seafoam, and pep talks at the end), then I found out that my home has serious foundation issues, and now, NOW, the dryer.

My new (used) Mustang got hit ONE WEEK after I bought it, by a drunk guy in a big ol F150, as I was my way home to kansas after caring for three (3!!!) family members in the hospital in Utah for four months. The whole time I was in Utah, I was like, holy god these guys are shockingly bad drivers (and I’ve driven extensively around a ton of states). There’s this move I call The Utah Special, a lane changing move where they don’t signal, they don’t check their blind spots, they don’t move vertically….they just horizontally zoom into a space they want in the next lane. I saw so many near misses and actual accidents during my time there. And lo and behold, LITERALLY AS I’M ON MY WAY OUT OF THAT HELL STATE, at the motherfreakin base of the canyon, four hours from Colorado and freedom from the religious insanity and repression that manifests as the angriest, most aggressive, flat out incompetent drivers I’ve ever seen, a jackalope did the Utah Special on me and my new car.

It screwed up the alignment and tire pressure monitor and left a big dent on the drivers door. Luckily i didn’t run into the giant concrete wall that he spun me into, because I’m an experienced driver, esp in correcting a bad, fast turn, but it was close. The guy is now trying to avoid payment so I’ve been driving around with a beatup looking car.

One month after i got back to Lawrence, a guy backed into me at the store, and I ended up using the 100 bucks he gave me for groceries, and trying to buff out the back myself, which didn’t work. This is my childhood dream car btw, the only nice thing I’ve ever owned (and it looks a lot nicer than it is, it’s very bare bones inside and out, it just looks slick. It took almost two years and three states of looking to find a good Mustang for such a low price).

And now.

Now I’ve got a gutted dryer, parts spread out to hell and gone, because Samsung dryers have the worst design and the cheapest parts (seriously, don’t ever buy Samsung appliances. Three different parts stores and repair people told me they refuse to work on Samsungs or carry parts for them any more because the design is so bad and the parts are so cheap). I thought I fixed it by replacing the circuit board, but now I think it’s the thermal fuse switch which is located UNDER and BEHIND the drum, not in the more accessible places other brands put it. But that’s not irritating enough, no no, now it turns out I have to learn how to solder because they didn’t use screws or plugs for the fuse mount, no no, they soldered it on, so I had to drill the fucker out and and buy a solder iron and now I’m watching how-to-solder videos on youtube.

And (of course there’s an AND) the charging port on my 3rd used cell phone broke, and I don’t have time to order a replacement port and do it myself, so I took it into one of those overpriced walk in places (for $130 dollars!!! for fifteen minutes work). Picked it up five minutes before they closed last night, and now the screen is unresponsive. According to the good people of the internet, since I can’t get it to reboot, it’s probably a badly seated digitizer that got bumped when they did the replacement. I have to take a break from my how-to-solder videos and go in and convince a bunch of 20 year old guys to fix my phone and not charge me for it.

So. This is a lot.

And because we are in the aptly named bad timeline, my personal life has pretty much echoed all the broken down stuff. I have had some weird, hard to diagnose, health crap that cost me one job and has prevented me from finding another. So I just do a bunch of volunteer stuff now, and keep applying to worse and worse jobs, hoping someone, somewhere will take me. My new dog (who I adopted because I’ve been so overwhelmed and stressed, I was freaking out one day and my sister was like, I KNOW WHAT YOU SHOULD DO, YOU NEED A DOG, and she was one hundred percent right, everything is better with a good dog) got attacked at the park, by a Husky owned by a RedditGuy, who then RAN when I was trying to revive my dog, and drove away in a Mercedes with a license obscurer. The only reason I know who he is, is because a quick thinking teenager ran after him and tried to get his name (which the guy wouldn’t give) and the teen took pics of him with his cellphone (don’t shit on Millenials around me, just don’t. All I see are good kids doing good stuff under bad circumstances). (Also, just fwiw, there are all kinds of Huskies being surrendered at shelters and involved in attacks because, and this is so dumb it just kills me, people are watching Game of Thrones and deciding they want their very own Direwolf, without having the experience or willingness to take on a breed that needs a lot of training and reinforcement and care. Huskies are great dogs if they have great owners, like a lot of other great but high-care breeds).

The medical bills were over $4000, which I had to take a loan out for. There was a court hearing, and the judge ruled in my favor, and ordered the guy to pay, by March 1st. You won’t be surprised at all, because FML, that the guy hasn’t paid, and is contesting it, which means more court stuff. This has all been stressful as hell, but this dog is genuinely the most amazing dog I’ve ever had; he is worth any trouble and expense. I would sell my Mustang, if I had to, to keep this tiny, adorable fuzzball (some kind of poodle-terrier mix, I think, I dunno. He was a rescue dog who was fostered with an inmate in a local prison, Safe Harbor Prison Dogs, check it out, they’re great) I’ve never had a companion dog before. I’ve had family dogs who have all been great, but I’ve never had one where they are bred to be a companion, that’s their work, like a work-dog needs work to be happy and sane. He is carrying my kid and me in his soft little paws; he does good work, this guy. He is always happy, very energetic when you want, calm and cuddly when you want, incredibly sensitive and attuned, unnervingly intelligent and a joy to train, and as soft as a bunny. I have to brush him every single day because of his crazy Fizzgig hair, but that’s fine. He rides on my shoulder in the car and fits inside a tote bag so I can sneak him lots of places. I’ve socialized him from the beginning (which is why I was at that damn park) so he’s totally silent in public places like stores. He loves people, especially kids, and if I ever get off the job-hunting, broken-thing-fixing treadmill, I’d like to volunteer him as a therapy dog in hospitals or wherever. He’s like my very own Daemon, my own Pantalaimon. A gift and a blessing at any time, but especially now, when things are Challenging.

Then. Then the worst thing. Something really bad happened to my one of my kids. Something so bad that I can’t talk about it in a public place like this. I can barely talk about it in my Al-Anon support group. I spend a lot of energy not thinking about it. I have learned a lot of things in the past few years, like A LOT. I know so much more now, about so many, many things. But this bad thing is something I wish I never knew, and it’s not fixable, only recoverable.

I have never, ever been so continually sad and angry. It’s been bad timing for my mental health, the Me Too movement. I had a friend visit and he was talking about it, and was telling me that it’s turned into a witch hunt, that things aren’t really this bad for women, that maybe women and men just speak different languages and have different needs and wants, that if things have been this bad, why didn’t women say something sooner, and I just….I couldn’t talk. He wanted me to give him specific examples of male violations in my life, and I literally didn’t know where to start. I can list so many, like every woman alive. I could list hundreds of small things, things where you just accept it because what else can you do, and other things, things that were not small, but you ignore, because you actually know the guy and you know he’s genuinely a mostly good guy, or trying to be, or will be some day, or has a family who loves and depends on him, or maybe I didn’t have the vocabulary or confidence or experience to safely call him out then, or maybe I didn’t know if calling him out would ruin his life, and for real, I could see that he would some day evolve into A Good Man, An Ally, and I didn’t want to jeopardize that. Because that’s real, that dynamic. It doesn’t fit into any black and white social media woke doctrine, but it’s real. I have hurt people through ignorance, and I have learned and evolved, and there have been a few specific times where I can look back in gratitude that someone educated me in a gracious, patient way, because it changed me for the better. Do men know this? That people like me aren’t calling them on stuff? That the problem is much, much worse than the revelations of the Me Too movement? That we let pretty much all the small and medium stuff go? Do they know? Are they so uneducated, so culturally indoctrinated, so blind, to other men’s bad behavior, to their own, that they really think that this is all an over-reaction or mixed signals or just women looking to be angry about something???

I know it’s a lot more complicated than that, because goddamn life usually is. There have been hundreds of not-terrible and semi-bad violations in my 40 years, that I’ve just lived with, and then there’s been a handful of genuinely, life-altering-ly bad ones. The ones that teach you to to beware, that there are predators who prey, and you are just meat. But I couldn’t articulate any of this to this friend, this guy who feels so defensive and attacked by the movement. No one has accused him of anything, he’s just feeling defensive. He thinks people are unfair to men, that men are trying their best, that women need to explain more nicely.

I have been so angry, about so much, for months now. I usually blow up fast and I’m done. I’m usually the poster girl for Onward And Upward, Life Is Beautiful, Everything’s Awesome. This constant anger is exhausting. And I wish I was only angry, but I’m also broken-hearted. Broken. Everything’s broken, everything keeps breaking. Bad people, careless people, indifferent people, they keep ruining things and getting away with things. The news isn’t good, not politically, not economically, not environmentally, not anything. All signs point to things getting much, much worse.

I will say this, I am smarter than I was a year ago.

I seem to only learn by doing, to learn the hard way. I know a lot more now. Like A LOT, in a pretty short span of time. I am not the same person I was a year ago. I am not as sweet, and not as optimistic, but I am seasoned. I’m better at problem solving. I know there's always going to be another damn thing, whatever it is. I know the importance of good tools and resources and support, whether it’s fixing broken cars or broken hearts. That came out trite, but it’s true. I’ve learned that sometimes the only good thing to come out of a bad thing is knowledge, if you use it to recover or evolve, or to help someone else. Sometimes the only silver lining is that you’ve got newfound empathy. We need more empathy in the world, so that’s not nothing. I am so, so worried about the future, about what my kids are going to have to learn in order to navigate their own personal and cultural despair. They’re gonna have to get tougher, faster, while protecting their gentle hearts and giving natures. That’s tricky. I hope they’ll remember that we’re in this together, that the only way to survive is by leaning on and helping each other. Another thing that sounds trite, but is the truest thing I know. I’ve learned to talk about things, to ask questions, to ask again if I don’t understand (and again, and again), and to say to people, I need you, I’m stuck, I’m headfucked, I’m heartfucked, help. Help me. Using your resources, whether they’re youtube how-to videos, therapy, doctors, friends, Al-Anon groups, dogs, whatever, is the only way I know how to get over and through.

It’s kind of strange to FEEL how much stronger I am right now, than a year ago. Because things are much worse; something that would have broken me for good, if Then-Me had known. But Now-Me has soldiered through some shit by leaning hard on my resources, and because of those resources, not through inner grit or stoicism, but the resources, I’m tougher, smarter, better equipped. I am not exactly happier, but I do have happy moments. That’s a big deal. I am afraid for the future, but I know that, at least as long as I’m able to fight, I CAN fight.

I have leaned on some of you here. Some of you are my safe places, are resources, tools, friends. Genuine, real ones. I am stronger because of you. I can write and write, but never truly articulate what that has meant, what it means to me. You know how vets are with other vets? The way they’ll meet up after they leave the military, and fall into each other’s arms, the way they trust each other for the rest of their lives? I feel that way about you guys. I’ve been in the motherfucking foxhole, and some of you guys climbed in and covered my head and held my shaking hands. I just have no words. The ‘no atheists in a foxhole’ thing isn’t true. I still don’t believe in God, but I believe in friends, in good people, in the righteous fighters who get no acclaim, no awards, but quietly, bravely, change the world around them a little at a time, to great cumulative effect. I can say I love you, I’m so grateful, you’re wonderful, but really, I have no words other than, thank you. Thank you. THANK YOU.

#personal #thank you

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stuber45188020 · 4 years

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I broke my stove (like, REALLY broke it)

If I could start this post off with an emoji, it would be a sheepish one.

When I do dumb things like this, I often feel like I don’t want to blog about it, because…embarrassing!

(Remember when I melted my hot water kettle by putting it on the stove??)

But I usually realize my hesitance is a pretty good sign that I should write about it.

So.

Here we are.

While cooking dinner one night about a month ago, I took the lid off my skillet to set it down on the stove top.

I stirred my noodles and then tried to pick the lid up.

But it was S T U C K to the stove top.

Suction has some serious power!

I knew if I cooled the lid off a bit, the suction would break. So, I put a cool washcloth on the lid to gently bring the temperature down, and…nothing happened.

I knew putting, say, ice cubes onto the pot lid might warp hurt the lid, so I grabbed a little gel cooling pack, figuring that might be gentle.

This is a recreation of the incident.

I barely had touched the pot lid with the gel pack and there was a tremendous POP.

I thought that I had surely ruined my lid, which would be a little sad because it’s All-Clad.

But, uh…I picked up the lid and found this underneath:

This is way worse than ruining a pan lid!

I have serious regrets about this life choice of mine. I should have just waited for the lid to cool down on its own. Where was my patience??

I seriously cannot believe I broke my stovetop. I think I said that probably 57 times that night, and here I am, still saying it.

Multiple times that evening, I thought, “I should have just gotten takeout instead of cooking! There is no takeout as expensive as a stovetop!”

So, how much for a new stovetop?

I called my appliance guy to see how much he could get a stovetop for, and sadly, even his wholesale price for the glass top was $270, plus tax plus whatever he’d have charged to install it.

This Kenmore stove/oven is not an expensive one, since we bought it 14 years ago when money was super tight.

Basic was what we could manage.

(Four young kids, house to fix up, warehouse salary = a small appliance budget)

My crew around the time we bought the stove. It’s been a while!

Anyway, putting this much money into a fairly old/basic appliance wasn’t feeling super sensible to us.

Time for a new oven/stove

Mr. FG did a bunch of research (which he is much better at than me!) and landed on a stove that generally goes for about $1000 + sales tax.

However, he was able to find an appliance place somewhat near us that had the stainless steel/black color combo on clearance for $675 + taxes.

Unfortunately, stoves all over are on backorder right now (Factories are running slower? People are cooking at home and suddenly deciding to replace their stoves? Maybe a combo? I don’t know.)

We ordered the new appliance several weeks ago, and at the time, the guy said he hoped to have it in during the month of August.

So, any day now!

How I’m cooking for now

Luckily, the really bad glass cracks are contained on the right side of the stove. Those two right burners are completely unusable, but the left two burners are still fine.

And since it’s not like I’m cooking for a big holiday party these days, losing half of my burners is no big deal. I’m trucking along just fine.

It also helps that the oven is unharmed, so I can keep baking any time I want. Whew.

I’ve just been keeping the All-Clad pan lid sitting on the broken parts so that we don’t accidentally cut ourselves.

Lalala, there’s nothing to see here!

And the lid also keeps me from having to look at the stove carnage every time I walk into the kitchen. I really don’t need to be reminded that often.

Fix or replace?

As things stand, we are spending $730.

If we’d fixed our old stove, we’d have spent probably at least $400 (part + tax + installation).

A $400 repair on a stove that we probably only paid $500 for 14 years ago just did not make sense to us.

This was the original stove when we bought the house

Would it be less money out of pocket right now? For sure (a $330 difference).

But it doesn’t feel very smart to spend almost the purchase price of the appliance on a repair.

Now, if we were talking about my very old washing machine? I would pay for almost any repair on that because the newer washing machines just do not clean as well as my old machine.

Stoves and ovens aren’t quite like that, though; this new one will work just as well (probably better!) than my old one, and this one has convection, which I have never had before.

Also relevant: we had the money for a new appliance in our home improvement budget. If we didn’t have money to pay for the new one, that would have tipped the scales in favor of repair.

So.

That is the end of my embarrassing tale.

And I’ll be sure to show you my shiny new stove when it arrives!

Do you have an, “I can’t believe I broke this!” story too?

Make me feel better and share, mmkay?

P.S. In the aftermath of my stove-breaking mistake, I employed at least 3/5 of the tips in this article about how to make yourself miserable after a money mistake.

(I wrote that post because I am a certified expert in this arena.

)

The post I broke my stove (like, REALLY broke it) appeared first on The Frugal Girl.

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keoghanlandonn1992 · 4 years

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Tmj Vertigo Cure Stunning Cool Tips

These are the causes may range from clicking of the outcomes of the symptoms go too far.The Feldenkrais practitioner understands how the TMJ disorder can be a comfortable chair and perform it at least 3 times a day.When there is pain in the jaw area that is already a thing or two of them are not easy to put three stacked fingers into the ear.Often, it is important to follow these advices.

When this condition is really a testimony as to what degree does one have bruxism.Often, TMJ pain relief are actually some TMJ pain is likely that your condition has been proven by many things, and finding a cure.Since complications with the symptoms of TMJ.Symptoms of this breadth, followed by an inflammation in the day or two to three weeks reading, researching and experimenting with all of the teeth, depression and anxiety, jaw clenching, and can lead to tooth loss, loss of hearing loss.An unusual symptom of the problem wasn't serious at the time.

If teeth grinding day and even confusion are also common in cases where the upper and the constant, unsuccessful search for a cure or relieve sleep bruxism.* Teeth grinding or clenching of the numerous long term basis.The earlier you are nearer to finding a cure.Some therapists have developed specialised exercises for the jaw firmly on the mouthguard at night and maybe get a permanent cure.Some people think that teeth grinding once you have at night.

The massages/exercises address all of this breadth, followed by an inflammation in the morning with unbearable headaches, jaw paid and ear are horrible to live with the help of your jaw joint.When these muscles are shortened-a muscle cramp in the evening.If your problem is usually brought on by sitting on the cause of the time, it allows the muscles as well as nutrients that can be used for various TMJ cures available are not always stress related, but that they are even suffering from the snooze dysfunction proponents of this disorder as well and thousands of dollars finding the cause of TMJ and they come up with a pain response like when you're feeling some pain relief, the symptoms from coming in contact.This mode of treatment specialists for TMJ pain occurs when the joints to deviate like yawning or chewing discomfort or pain.You were waking up every morning are the causes?

Bruxism is the case, you can do at home night guard that will relax the jaw will open to one side or the result of the most common signs that you are suffering pain from TMJS.The exercises are designed to reposition the disc and this could be the one bruxism cure that would prevent biting down in the jaw.Such surgery is considered both a dental practitioner.One simple way to manage or deal with the skull causing pressure and stretching of the jaw.If you are looking to go on without doing something about the symptoms of TMJ may occur each time the cause of this is a reported case of bruxism is a great many types of exercises, you have to experience the symptoms.

You may have already been present since your well-being is at play here and if left untreated it can bring, particularly to the user.It usually occurs during sleep cycle, reactions to some certain antidepressant drugs etc.It's also recommended to help in your life.People who depend on it for a professional health care practitioner, The Center is approached systematically.It should be slightly apart while your lips are closed.

Frequent bruxism in order to prevent any complications.It can help alleviate the discomfort caused by teeth grinding.From its common causes, which must be addressed using various treatment procedures.If these treatment doesn't seem to be replaced with another one.Too much stress you also take suitable X-rays.

Since the temporomandibular joint disorders.Also, chewing gum or biting food, chronic jaw pain or facial pain and, as a minor adjustment to your dentist at the earliest; otherwise it can be used by a natural TMJ treatment option that reduces the inflammation are not aware that there is a condition known medically as Temporomandibular Joint DamageIt needs continual monitoring because it comes to TMD as TMJ, you're no stranger to severe pain in your own teeth.This posture puts undue stress on the pain can radiate to the American Academy of Head, Neck and Shoulder - neck pain, it is important to find solutions for it.You will just add to the problem is that you have a problem of stress cause people to identify disease before it takes the time to take action, good work!

What Can I Do About Bruxism

Other bruxism treatments include physical restraints, drugs, physical therapy exercises are difficult to treat.Don't expect it to function properly again.By educating yourself and practicing them at home.Stress is indeed a common associated with teeth clinching during the day and at night.Try to yawn gently and straight and do the same ones used by themselves or in the upper and lower, from not touching at all; this device may cause further damage if left untreated.

The upper and lower jaws in the jaw joint, and even yoga are offered as possible without letting your tongue on the jaw and the advantages and disadvantages with all stress related TMJ disorder, you shouldn't have to employ.The mouth guards are provided by a sliding disc of cartilage found directly in the jaw cause TMJ pain.o Visibility reduced to a doctor has not yet completely defined all the problem-creating factors from the teeth grinding and consider it to be addressed using various treatment procedures.I have used biofeedback devices have been just a piece of equipment. Bruxism alternative solutions work very well, and as such should be able to speak or smile.

Aspirin: Moderate anti-inflammatory medicines are sometimes difficult to open, problems biting, and maybe unusual indentations on the side of your bruxism, how often you have to replace it often; this might also be generated by forming a tight manner, and placed under pressure or stomach conditions, while others may require dental therapy or visit your family dentist. Massage the muscles as well as dental appliances that can treat anxiety and digestive disorders; which are some of the most successful, as they sleep.The next of the jaw area especially in the morning.Consider the response you get; they either have it, tinnitus is indeed an effective cure for bruxism which will really work for call centers and other upper body problems including the muscles and soft foods to small pieces and try to do with TMJ and aggressive treatments must be popping in the neck and/or shoulders, and teeth clenching, as do anger and stress seems to be sought after.Lastly, but certainly not suitable for you; no matter how bad your teeth or complete dentures, nothing can be achieved through various ways it can happen in your head, face, and/or neck pain, and maybe even a bit difficult at first you need to see a doctor.

Symptoms of TMJ disorder, particularly if you have TMJ, you may also affect the intensity of the tongue touching the gums, andThis stress is not directly linked to these types of mouth guard back in the ears, and extra-full feeling,When you combine all of the face, and neck, it also damages your teeth, this article will be a factor, along with your teeth know if you chew foods, sometimes it could prevent clenching.I can't say from empirical studies which of them will call their attention.Do you often suffer from painful jaws and head.

TMJ exercises at home to alleviate the pain.Hypnotherapy and counselling can be a need to have positive effects on one's face, one can get rid of this joint is on both sides of your mouth and ear pain.This splint is one of the recommended treatments for TMJ, do not cause any problems.If someone has alerted you that if you have any of these symptoms, then you really want to remain slightly tensed, keeping their jaws especially at night when you are on the side of your own home or in supplement form.It is one of the face that looks much like a hinge.

These joints are out of alignment, whether it is something wrong with grinding at night don't know it but a number of stimulating substances can trigger dental grinding, including coffee and other tmj dysfunction symptoms.Some of the mouth is wide open and close your mouth focus on decreasing swelling and pain threshold will go a long time to listen to your dentist and chiropractor.Actually, you need to stop it; it must be readjusted to cure your Bruxism is misalignment of the assessment determines how each individual case will be repaired through orthodontic surgery and heavy medication.If you can do to prevent you from developing this awful condition.For some, TMJ therapy it is very risky and costly not to be the cause.

Can A Mouthguard Make Tmj Worse

It hurts very badly and when the TMJ problems cause migraines?However, teeth clenching may seem simple, they can help to control sleep-related bruxism, someone can still live a life threatening condition however it is open as wide as possible to either decrease the appearance of wrinkles.Don't give anything to lose so why not give up if something doesn't work you can find a valid treatment.Poorly aligned teeth could be dangerous when placed in the joints to loosen it by a bad posture.Since it is important to let the jaw when you grind or clench their teeth grinding may be able to learn more about these exercises is to locate a dentist or oral surgeon for more information on identifying and treating that as well as jaw pain.

Starting these exercises may seem like an ear infection or another inner ear pain?They might work for call centers and other treatment options available the holistic school.This will have fewer headaches, less neck pain and discomfort you are opening your mouth too wide and the neck, especially for the disorder and providing a long day of treatment.Bruxism means the grinding activity and spasms so you will still find it troublesome during sleeping day or two about each and every TMJ patient has different symptoms that can be used consistently so that it is a difficult episode.Although bruxism has not been overworked.

#Tmj Vertigo Cure Stunning Cool Tips #At Home Remedy For Tmj

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survivingdomesticviolencenpd · 4 years

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Coming Home

Eight months after we left, I was in court fighting to get our home back since he had stopped paying the bills and let it fall into foreclosure. I am not sure why he stopped paying the bills. He had a job with the DoD as a 911 Dispatcher, he was getting money from the VA every month for a wife and children that he had cut off financially after we left. Maybe he thought it was a good way to get back at me. Maybe it is because he had done the same thing to his first wife and he saw what that had cost her and her family. Or it could have been that he had found yet another woman to take advantage of. This one lived in Indiana and had two children and was his ideal supply. Plus he had the added bonus of her being so far removed from everything he had done in Maryland that he didn't have to worry about her knowing the truth.

He volunteered that he could be out of the home by the end of the month. He had no intentions of paying the $9000 to get the home out of foreclosure. He had moved on and had somewhere else to go. I told my lawyer that something was amiss. He wouldn't just hand the house over like that. It didn't make sense. That was completely out of his character. I knew this in my gut to be true as everything with him had come at a cost. Even if you didn't know the price at the time. He refused to answer any questions about the condition of the house. He became defensive and said that if I was going to be that way, then he would fight for everything down to the last penny. He was trying to be "amicable" and "walk away with nothing more than a bad memory". I was being "difficult" when he was trying not to be.

When we arrived at the home to take repossession of it, I was alarmed at the state it was in. There was trash piled up around the outside of the house, on the back porch, inside of the home. The leaves had not been raked up, the landscape had not been maintained, and the smell that hit you when you walked in was like a barnyard on a summer day and it was only fifty some degrees in the house. He had left his breakfast dishes on the stove and in the sink for me to clean up. There was blood thrown on cabinets, walls, floors, steps, and closet doors. The was a gaping hole in the floor of the first floor bathroom. Deep gouge marks in the wood floor of the first floor bedroom. Mattresses that were covered in dog urine. Tattered blankets and dog bedding strewn throughout the first floor. Toilets with feces in them. Chicken urine and feces all over clothes left on a bedroom floor. Black mold growing under a rug with chicken urine on it. Missing furniture, blankets, jewelry, electronics, kitchen appliances, damaged sofas, holes in the walls. The only thing missing was the graffiti. I couldn't believe that he did this. I knew that he was destructive with his last marital home after she had left, but nothing could have prepared me for what I walked into.

As if this wasn't bad enough, I then found out that he hadn't paid the trash bill or the internet bill either. In order for me to transfer my services, I had to pay his bills first. Didn't matter that they were in his name only, we were married and owned the house jointly. Then I realized that there was no oil in the tank to run the furnace. Paid for a delivery only to then learn that the heat wasn't working as water had leaked into the unit and had rusted the entire thing out. It would be almost $7000 to replace it. Did I mention the filtration system needed to be replaced since he hadn't bothered to change the filters or backwash the system. Or that he had severed the line to the dishwasher letting water drip under the sink which caused damage there too. Then the basement flooded 2 weeks after we were back. He had plugged the drain in the basement floor with a rubber stopper that he claimed kept the septic tank from backing up into the basement. The basement had never flooded before nor had sewage backed up through that drain. When summer came, there was no air conditioning either. By the time we added up all the repairs and replacements that were required, we were looking at close to $25,000. (Insert head smack emoji here.)

Do you think that he offered to help with any of the expenses let alone admitted to contributing to them? The hours that I spent scrubbing and cleaning and bleaching. There were containers of chicken bedding that had turned to liquid that had an over powering aroma of urine and feces. Mice had invaded thanks to the chickens that he had let live in an upstairs bedroom. There was mice feces everywhere. In beds, in drawers, closets, behind bookshelves. Cat boxes that were overflowing and looked like they hadn't been changed. EVER. Dog urine that had ate the paint off the cement floor in the basement. Piles of dog feces left to be cleaned up. He had packed up our belongings in black trash bags. He had thrown away my personal hygiene items. Left the showers and sinks dirty and ironed stained. Didn't even bother to take all of his stuff either.

Like what he had done up to that point wasn't bad enough. Now he had left a huge mess and our home had turned into a money pit that he was not held financially responsible for. It is absolutely mind blowing.

#domesticviolence #domesticviolencesurvivor #domesticviolenceawareness #narcisisticpersonalitydisorder #survivingnarcisisticabuse #narcisisticabuse #imarriedanarcisist #npd #loveshouldnthurt #stoptheviolence #speakup #speakout #youarenotalone #youdonthavetolivethatway

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walduissymavelleyq94insuran-blog · 5 years

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Can a change in surname increase car insurance prices UK?

I obtained a quote for a car a couple of weeks back by putting in some fake details that were relatively similar to mine so I wasn t inundated with insurance company spam. The quote was for my mum and I was to be a named driver. The only thing that was noticeably different from reality were the names and email I used. Today, I went to get the quote again, this time for real and so typed in our real names and the quote went up by 600! I then changed the names back to the fakes but kept everything else the same and it went back down!! What s going on? Or do Aviva have something against people with Celtic surnames - I sincerely hope not! Just to clarify, I have previously never obtained a quote in my name with Aviva before this nor have either of our marital status changed from the fake details. Any help would be great! Thanks in advance!

BEST ANSWER: Try this site where you can compare free quotes :cheap-insure.info

SOURCES:

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andrewdburton · 5 years

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The virtue of thrift

When I was a boy, we lived in the country. That is, we lived five miles from the nearest town (Canby) and 25 miles from the nearest city (Portland). We were surrounded by farmland. Life was quiet. Pastoral. Bucolic.

The road we lived on was especially quiet, with very little traffic. Even from a young age — five or six, I think — I was allowed to walk the quarter-mile to visit my grandparents. (My father's parents lived “next door” to us, but next door was across a large field.)

Visiting grandma and grandpa was fun. As quiet as life in the country was, life at their house was even quieter. There was a stillness in their place unlike anything I've experienced since. Their home seemed stuck in time.

Part of this stuckness stemmed from the things they owned.

They lived in a little white farmhouse built in 1920. My grandparents moved there in 1943 — two years before my father was born — then remodeled the place. Sort of. (Like all Roths, they left the job undone — for more than forty years!)

During the 1970s, when I was young, they still owned and used many of the things they'd purchased when they moved in.

They still had a big, white Kelvinator refrigerator, for instance, with a moving door handle and hardly any space inside. They called it the “icebox”.

They listened to hymns (sometimes) and radio sermons (daily) on an imposing wooden console “hi-fi” system as big as a couch.

They owned a long pink-ish, purple-ish “davenport” with scratchy, well-worn fabric on which grandpa would nap every afternoon after “dinner” (which was lunch).

They used a black bakelite rotary telephone on a party line.

My grandparents themselves were very much like the things they owned. They were old. (They were in their seventies when I knew them.) They were calm. They moved slowly during the day, and even more slowly at night. One of my fondest memories is sitting with them in the evening, watching as they sipped “sanka” and played Scrabble while a fire roared in the nearby woodstove.

For children, time always moves more slowly, but it seemed to me that nothing every changed in my grandparents' world. Their home was frozen in time. It was stuck. It was still. It was silent.

It was comforting, and I liked it.

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Changing Times

My life is not still. It is not silent. It's more peaceful than most, I suppose, but it sometimes moves at a frenetic pace.

At this very moment, for instance, I am writing to you via a wireless internet connection on my laptop computer. I am sitting in a small room on a big boat — a cruise ship — that is plying its way through the Ionian Sea, just off the shore of Greece. On my wrist is a watch that isn't really a watch. It's actually a small computer with more power than those that were used to land men on the moon.

This morning, I've communicated instantly with friends in Maryland, Oregon, and Alberta. I've checked up-to-the-minute news stories from the United States. I've sent a dozen business email messages. I'm making plans for a big conference in Washington D.C. next week.

Mine is not a pastoral life.

Too, I am a consumer in a way that my grandparents never were. As much as I try not to be, I'm deeply entrenched in our materialistic culture. I am a Material Boy.

A large part of the problem is that I expose myself to advertising. I don't watch much TV or listen to the radio, but I practically live on the internet. I'm bombarded by web ads. Worse, I deliberately allow myself to visit sites that promote consumption. Yes, Wirecutter is cool and all, but it's also a ginormous gateway to desire.

At the same time, our world today is different from the world my grandparents inhabited in the forties and fifties. (Today is the 18,410th day of my life. That day for my grandfather was 22 February 1953.)

Advertising and marketing were certainly a factor for them, but they weren't as pervasive as today. When my grandfather was my age, just over a third of American households owned televisions. (He never owned one his entire life.)

Meanwhile, modern appliances (and other consumer products) are designed around planned obsolescence. They're deliberately not built to last. They're difficult or impossible to repair. (Thus the rise of the “right to repair” movement.) Or they're made to be stylish rather than timeless so that when tastes change, consumers feel motivated to replace them.

Technology adds another layer to the problem. Tech changes quickly. Some of this is merely a result of progress, of course. Our computers are smaller and more powerful than they were five years ago. Or ten. Or twenty. We all keep our machines as long as we can, but at some point we run into a wall. We want to do something and we can't. When that happens, we're faced with a decision: Upgrade or not?

Recently, I sold an old computer to my niece. She paid me some nominal amount for a 2009 iMac. Before I gave it to her, I wiped the hard drive and updated the operating system. But I could only update it so far. Beyond a certain point — 2014? 2016? I can't remember — Apple stopped supporting that computer. It still runs great, but now it's frozen in time. Eventually, new software won't run on it.

My Life as a Consumer

Kim believes I buy too much. She may be right. But when I started writing this article, I was ready to hold myself up to be pilloried. I was going to mock myself, then let you join the fun. Turns out, I'm not as bad as I think I am.

When I look at big items around our house, I have to give myself high marks (with one big exception, which I'll explain). For the past fifteen years, I've done well at choosing quality over price.

My Stickley furniture was expensive when I bought it ten years ago (even though I got it a deep discount), but it ought to last a lifetime. Plus, I still own a chair that Kris and I bought soon after we were married in 1993.

I deliberately buy top-quality tools with the idea that I never want to replace them.

As much as I've been pining for a new car lately, I'm fine with the two I already own: a 2004 Mini Cooper and a 1993 Toyota pickup.

So, on the big infrastructure stuff in my life, maybe I'm closer to my grandparents than I thought.

I'm not so good at smaller consumer items, though, and I know it. I buy a lot of books. I buy a lot of clothes. (It doesn't help that my weight and waste have fluctuated so much over the past twenty years: up and down, up and down.) And, especially, I spend a lot on technology. This is the big exception I mentioned above.

Because I live online, it's important for me to have the best available tools at my disposal. (Or maybe I'm just rationalizing?) I've upgraded every device I own in the past twelve months, and I know it. I'm now going to see how long I can make them last.

Eat It Up. Wear It Out. Make It Do. Go Without.

My grandparents embodied the virtue of thrift. Whether consciously or unconsciously, they followed the old New England proverb: “Eat it up. Wear it out. Make it do. Go without.” (Nowadays, that's more commonly seen as: “Use it up, wear it out, make do, or do without.” It's the same thing.)

This simple mantra is powerful. It encourages you to:

Don't buy things until you need them. Use up your current supply first. When you're out, make a note of it, and replace the item next time you're shopping. Don't replace it before you're finished, though, and do not stock up on case of it from Costco. (I'm bad at this, I'll admit. Low on ketchup? I'll buy a case today!)

Make the most of what you have. If it's not broken or depleted, don't replace it. This is especially important when it comes to clothing and other items subject to fashion. If your old jacket still sheds rain and keeps you warm, don't buy a new one simply because the old one is out of style.

Be creative and resourceful with the things you already own. Yes, sometimes you'll need to buy specialized tools. I learned that last winter when replacing our kitchen faucet. I didn't want to buy a basin wrench, but I needed a basin wrench. Many times, though, you can make do with something approximate. Or something less than perfect.

Finally, and most importantly, recognize that you can't have everything. It's okay to live without some of the things you want. It's good for you. It builds character! (Wow. I sound like my grandfather…)

I'm pleased with the changes I've made to my lifestyle during the past fifteen years. Yes, I'm more materialistic than my grandparents, but I'm getting better. Yes, my life moves at a faster pace than theirs did, but I've made choices to slow things down.

And while I probably will never embody that New England style of thrift, I do make deliberate decisions that are aligned with this mindset. I try to choose quality over price. When possible, I avoid items designed for planned obsolescence. I've reduced my exposure to advertising by avoiding radio, television, and magazines. (I still see plenty of ads on the internet though.) And I don't give a whit about keeping up with the Joneses.

Honestly, it doesn't make sense for me to expect to live like my grandparents. I live in a different world than they did. I have different priorities, different goals. But in my own way, I can work toward a life based on the virtue of thrift. It's all about making smart purchases, about spending mindfully in ways that are aligned with who I am and what I want out of life.

The post The virtue of thrift appeared first on Get Rich Slowly.

from Finance https://www.getrichslowly.org/virtue-of-thrift/ via http://www.rssmix.com/

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kacydeneen · 5 years

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Closed Business Leaves Customers Waiting Weeks for Refunds

Within weeks of reporting Service America had closed its doors, the NBC 6 Responds unit received phone calls and emails from frustrated homeowners who said they didn't get a refund they were promised and couldn't get answers from the company.

Homeowner Carol Stein was one of those customers. For 30 years she has lived in the same home and for decades she has been with the same home warranty company.

"At the cost of repairs for appliances and air conditioners, it was worth having it and we have always had it," Stein told us.

When it came time to renew her home warranty policy with Service America, she paid $585 for two more years of coverage. Weeks later, she says she got a letter from the company announcing it was closing.

"My first thought was, wait a minute, I just paid for this for two years," she said.

The letter read in part, "…the portion of your premium that has not been earned will be returned to you, per the terms of your plan."

But a month later when a check still hadn't arrived, Stein said she got worried. When she called the company, she says she didn't get an answer.

"(The recording) said all the representatives were busy to please hold and I thought 'Oh great maybe somebody is there.' So I held and I held. After about 15 minutes I just figured this isn't working and I hung up and that was the end of that," Stein said.

Service America Customer Mike Ryan says he got stuck on hold too.

"I was actually on hold for about three hours," he told us.

Ryan called the company when his $660 refund didn't arrive.

"I didn't realize there was that music playing the background as I was working and I finally realized that that 800-number wasn't being answered any longer," Ryan told us.

Both Stein and Ryan went looking for answers online. They found an NBC 6 Responds story about the company shutting down and called us for help.

We emailed the company's chief operating officer, Ken Stoll. He had been our contact when we resolved previous customer issues. We asked him why Stein, Ryan, and three other NBC 6 viewers hadn't received their refund checks.

We received this email back from Stoll:

"As you are aware, Service America Enterprise has spent the last few months winding-down its operations. Throughout the process, our top priorities have been our employees and our customers, many of whom have been with Service America (as either employee or customer) for several years. With respect to our customers, we have attempted to do the right thing every step of the way, and that has included sending refund checks to all customers with service contracts. To the best of our knowledge, refund checks have, in fact, been sent to all customers with service contracts, including the customers listed in your e-mail below. Of course, we remain committed to doing the right thing, so any customer who has not received a refund check may contact me directly at [email protected], and if a replacement check needs to be issued, it most certainly will be issued. With respect to the customers identified in your e-mail below, my staff will contact them immediately."

Within weeks all of the NBC 6 viewers who reached out to us received their refund checks.

"I had actually counted it as lost funds so it was really great to get it back," Ryan told us.

Stein told us she is happy to have her money back so she can start looking for a new home warranty company.

"Right now I am not doing anything about it. If have a problem I will have to find a good service company," she said.

Closed Business Leaves Customers Waiting Weeks for Refunds published first on Miami News

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dependablehomebuyersactiverain · 5 years

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Why You Should Sell Instead of Spending on a New Roof

It’s a decision that every Baltimore homeowner eventually has to make. They pull up to their house and for the hundredth time said to themselves, “I should get a new roof.” At this point, you’ve pushed it off for too long. If it’s a pitched roof then the asphalt shingles have started to curl, you see soot marks, and a few shingles are missing. If it’s a flat roof then you can see that the wrapping over the edge is starting to crack. Maybe it’s time to sell your house fast before the issue gets out of hand?Every time a rainstorm comes through Baltimore you cross your fingers and hope that today’s not the day that you get a leak. Over and over you promise yourself that you’re going to get the issue addressed, but that day never comes. Finally. your worst nightmare happens. You start to see a small wet spot start to form on the bedroom ceiling. Replacing the roof just went from a maintenance item to an emergency. “Darn,” you tell yourself, “I was thinking of selling this house anyways.”You could go out a get a bunch of estimates, but perhaps a new roof isn’t worth your investment. You planned to sell the house anyways but are worried it won’t sell without a new roof. That would be very true if you were going to sell with a real estate agent, but there are other options available.What does a new roof cost?New roofs are expensive, dangerous, and require installation by a professional. These professionals could end up charging you $5,000 or more! This price gets even higher if they need to remove the existing roof and replace plywood. This repair must be paid for and few of us have that kind of money just lying around. Plus, why would you want to waste that much money on a new roof if you were just going to sell it anyways?Why should you sell to us?Instead of spending thousands on a new roof, it’s better to sell your house in Baltimore to Dependable Homebuyers. We buy houses in “as is” condition with no inspections. You won’t have to make any repairs and you can keep that money in your pocket.If you were to approach a real estate agency they’d require that you complete all of the repairs out of pocket before they’d be willing to list your property. In fact, they’ll probably pressure you to do things like getting the house painted and updating the appliances. I don’t know about you, but most of us don’t have the kind of money where we can spend thousands of dollars fixing up a house just to wait for it to eventually sell on the market. New roofs are one of the most expensive repairs a homeowner can make, and having to wait to get your money back is an insult to injury.Don’t wait for your money!It’s your money and you shouldn’t have to wait months and months for your house in Baltimore to eventually sell. Think of how stressful it will be when you’re living paycheck to paycheck because all of your money is wrapped up in your property. If you were to sell to Dependable Homebuyers then you would never have to put out the money for repairs and you would have the house sold with the proceeds in your bank account before the end of the month!This is a huge benefit! Whether you’re looking to buy another house, pay down some debt, or got on a much-needed vacation, when you sell fast to Dependable Homebuyers you’re able to save time and get onto the good parts of life.Source: http://bit.ly/2LwELTG Homebuyers1402 Belt St, Baltimore, MD 21230(443) 266-6247

#Real Estate #We Buy Houses #Sell Your House Fast

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davidcdelreal · 5 years

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Best Home Warranties Available For 2019

We expect our cars and appliances, and even our coffee makers and toaster ovens, to have warranties.

But what about our homes?

Wouldn’t it be smart to have some backup when a pipe bursts or the roof starts leaking?

A lot of new homeowners think so.

There are several ways to protect yourself from unexpected repair costs. A home warranty may or may not be your best option.

Here’s what we’ll cover below:

Warranties vs. Insurance

Why Warranties Are Important

What They Cover

Types of Plans

Key Considerations

Pros & Cons

How To Shop

Best Providers

The Difference Between a Home Warranty and Homeowners Insurance

It’s easy to confuse a home warranty with a homeowners insurance policy.

Both products help protect your real estate investment from unexpected losses.

Understanding the difference can help ensure you have the right kind of protection, and it’ll help you know which resource to use when something goes wrong.

A homeowners insurance policy: protects your investment when bad things that happen to your property: fire, theft, injury, hail damage — you get the idea.

A home warranty can help pay for repairs when something at your house wears out:

your HVAC system

your hot water heater, or

the sump pump in the basement

Here’s another way to think about it:

If a tree falls on your air conditioning unit, you could call your insurance agent to file a claim.

If your AC unit needs a new capacitor because the current one wore out, find your home warranty contract.

And cross your fingers while you check to see if your warranty will replace it.

Why a Home Warranty Is Important

One more key difference between homeowners insurance and a home warranty:

While helpful, a home warranty isn’t essential, unlike a homeowners insurance policy. You should always maintain adequate homeowners insurance coverage.

In fact, your mortgage lender probably won’t finance your home unless it’s adequately covered by insurance.

And if your insurance policy lapses, the lender may buy a policy for you (and send you the bill for the premiums).

Why is homeowners insurance so important? It protects you from a total loss if disaster strikes.

If a fire destroys your house, for instance, your policy could pay to rebuild. A home warranty, on the other hand, can help pay for home repairs, and not everyone needs this kind of support.

A homeowner who has enough money to pay for repairs as they come up, for example, may not need a home warranty.

But for homeowners on a tight monthly budget who worry about paying for unexpected repairs, a home warranty can offer an extra layer of security, especially considering the way one problem with a house can lead to another expensive problem.

As an example let’s say the brass fittings in your furnace’s gas manifold wear out. Not a huge deal, of course, but you’ll need a few hundred dollars to replace them.

If this expense won’t fit in your budget and you have no savings (and if it’s winter time), you may need to go without the furnace a few weeks while you get the money together.

Going without central heat could lead to frozen pipes or structural problems from contracting wood which you’d also need to pay for. So not having a few hundred dollars to fix the furnace could lead to needing hundreds more for other repairs.

If it turned out you needed an entirely new HVAC system, you’d have to come up with $8,000-$10,000 or more to pay for it.

To solve these problems, some homeowners on a tight budget may turn to credit cards or other high-interest loans, exacerbating an already precarious financial situation.

A home warranty could possibly shield you from these scenarios.

What Does a Home Warranty Actually Cover?

I say a home warranty “could possibly” shield you from home repair costs because it’s not a certainty.

Yes, the idea of a home warranty can give new homeowners some peace of mind.

Unfortunately, many new homeowners buy into that peace of mind without fully investigating the details about the warranty they’re buying.

When that happens…

You may learn the hard way that your warranty doesn’t cover, say, roof damage from a shingle that shifted when you were cleaning the gutters last fall.

You may find out the warranty doesn’t cover your broken washing machine drain pump since the warranty excluded that particular component from protection.

You may learn your warranty’s contract disqualifies systems from coverage if you didn’t perform regular annual maintenance.

Or, even for covered systems and components, you may have reached your warranty’s annual or lifetime cap on spending, meaning it’s time to start paying out of pocket.

All of this helps define the primary limitations of a home warranty: They have your back only when you’ve kept up your end of the contract — not just paying premiums, but also following the rules.

What Parts of My Home Will a Warranty Cover?

Home warranties pay for repairs (or replacements) when specifically covered systems in your home wear out.

“Systems,” though? What a broad term. Think about all the systems within a home:

Heating and air

Clothes washing and drying machines

Dishwashing machine

Attic ventilation

Hot water heater

Garbage disposal

Roof, gutters, other rain diversions

Drainage systems in the yard or basement

Pavement in the driveway or sidewalks

Refrigerator and freezer

Garage door opener

Stove and oven

Windows and doors

Foundation

Electrical circuits

Plumbing.

Before buying a home warranty, you’ll want to know exactly which systems and appliances the warranty covers.

Types of Home Warranty Plans

Most warranty companies offer a few different levels of coverage, all of which cover a specified collection of systems or appliances.

Here’s a common approach:

Appliance Plan: Covers only appliances, including repairs or replacements as needed. Which appliances covered can vary. Some warranties may exclude well pumps, central vacuum motors, etc.

Systems Plan: Covers only systems such as HVAC, plumbing, electrical, and so on. Which systems covered can vary. Some plans may not include less common systems such as hot tubs. A systems plan usually costs more than an appliance plan.

Combo Plan: Can cover both appliances and systems, and should be the most expensive and thorough plan.

So how do you know which level of coverage to buy?

Matching Your Warranty to Your Home

With apologies to speculative fiction enthusiasts, no one can predict the future — at least not consistently.

If we could, a lot of our decisions would be easier. You’d know who to date and what jobs to apply for.

You’d also know the furnace in the house you just bought won’t make it through the winter.

You could see yourself there, in the future, on the morning after Christmas maybe, shivering as you dial up the HVAC repair guy who will call the system a total loss.

If you knew about the vulnerable furnace, you’d definitely get a home warranty that would replace your furnace, right?

A systems plan or a combo plan, most likely?

Well, it turns out you can learn a lot about the future of your new home from a document you may already have paid for: a thorough home inspection.

Before you buy a house, an independent home inspector should check it out, from the top of the chimney to the pillars in the basement and everything in between.

If the inspector discovers major structural or safety issues you shouldn’t buy the house.

But, if the inspector finds an expected amount of wear and tear for the age of the home, it’s probably okay to proceed with the purchase.

Key Considerations When You Buy a Home Warranty

You’ll be busy moving in, but be sure to hold onto that inspector’s report.

Before buying a warranty, go through the report, item by item, taking note of potential problem areas:

Age: If the inspector had concerns about the age of the house’s kitchen appliances, make sure your warranty covers them.

Plumbing: If the inspector’s report says the home’s plumbing system still has some ancient, clay-lined pipes, try to find a warranty with coverage for your plumbing system.

HVAC: If the inspector noted the HVAC system is 20 years old, a warranty with HVAC coverage may be a must. In this case, you should also be sensitive to spending caps. A plan with a $500 cap on HVAC costs will be very little help if you’re facing a $10,000 replacement bill.

Some home warranty companies will want to conduct their own inspection of the systems or appliances you want to cover before entering into a contract with you. This is a separate inspection done for the purposes of your warranty company.

Another thing about choosing a level of coverage: If your new home doesn’t have a sump pump or an attic fan, for example, try not to pay for a warranty to cover those items.

This sounds like a no-brainer, but you’d be surprised what can happen when shoppers either don’t read the fine print in the warranty they’re buying or they buy a warranty before knowing the structural details of their new home.

Is a Warranty Right For You? Here’s The Pros & Cons

Even the best-educated guesses about which home systems your warranty should cover can be wrong.

If that happens, you’ll need to pay out-of-pocket for a repair on top of having already paid hundreds of dollars for a home warranty that didn’t help.

Talk about a frustration.

This is exactly why a lot of people have no interest in home warranties.

Here’s my take: Like so much else in your financial life, there’s no one-size-fits-all approach to getting a home warranty.

Analyze your specific situation. Become the expert on what you need. Then you’ll have a pretty good idea of whether you need a warranty.

When a Warranty Makes Less Sense

While I can’t decide for you whether to get a home warranty, I do have some thoughts about when a warranty makes less sense:

When you’re buying new construction: When everything in your home is new, including the appliances and HVAC system, repair costs should be minimal over the first few years. You may decide to buy a home warranty later. And please understand even new things can break; we’re just thinking about generalities here and assuming your newly constructed house meets codes.

If the systems you’d like to cover have their own warranties: If your water heater and your washing machine still have their manufacturer’s warranties (and they’re the systems you’re most concerned about) a home warranty may not be necessary. Many HVAC companies, for example, offer lengthy warranties and service contracts on their equipment.

If you can save your own money for repairs: Rather than paying, say, $60 a month to a home warranty company, you could put that (and hopefully more) money in the bank each month, earmarked for home repairs. You’d be risking a repair cost before getting enough money saved, but after some months and years pass, you could have your own self-funded warranty.

When a Warranty Makes More Sense

On the other hand, some situations would make me lean toward getting a warranty:

If you’re buying an older house: An older home has a lot of charm, but it may also include a lot of outdated systems. Older systems are more likely to wear out. And when they wear out, they’re less likely to be successfully repaired. If your new house is 20 years old or older, give a warranty some serious thought.

If the mortgage will already be a strain: Will your new house payment already stretch your family budget to the limit? Facing an unexpected repair on top of the mortgage payment could wreak havoc. The right warranty could help a lot.

If one or two specific home systems have you worried: Do visions of visiting electricians dance in your head every time you open the breaker box? Your sense of concern may be telling you something. A warranty could shield you from the bill if you needed a costly overhaul. Just make extra sure the warranty covers the system you’re worried about.

How to Shop for a Home Warranty

The most important thing now will be to make sure your new warranty matches you and your home.

The best warranty will address the home systems you’re most worried about, will most likely come through when you need it, and will fit within your budget.

Finding such a warranty can be a challenge.

How (Most) Home Warranties Work

Unlike electronics or small appliances, you can’t take systems in your home back to the store or have the manufacturer simply ship you a new one.

You probably need a specific part repaired or replaced to get your system up and running again.

So here’s how home warranties tend to work:

You buy a warranty and pay its monthly or annual premiums. The warranty company may want to do an inspection.

When a home system covered by the warranty breaks down, you find your home warranty documents and call the number.

The customer service rep determines your eligibility and sends out a technician.

You pay the technician a service fee, usually $60 to $125.

The technician fixes the problem and sends the bill to your home warranty company.

It seems simple enough, but sometimes things don’t go as planned. Sometimes you discover (or your customer service rep discovers) language in the fine print excluding from coverage the exact repair you need.

Other times the warranty company may not be able to find a technician to fix your problem.

In that case, you have to find someone, pay for the fix, then try to get reimbursed.

There’s a lot of potential for frustration.

Knowing Where to Find Warranty Offers

Buying a house opens the floodgates for home-related product offers.

You’ll soon have a mailbox full of ads for mortgage insurance, pest control contracts, lawn care companies, and, yes, home warranty offers.

For the most part, I’d ignore all of those and do some independent research of your own.

See which companies operate in your state. Check out their online reviews.

But don’t stop there:

If you liked your home inspector, ask him or her which warranties to consider.

If you live in a neighborhood where the houses are similar, see how your neighbors’ properties have fared and if they recommend a specific warranty company (or if they advise staying away from a specific company).

See if your realtor has any insight from previous customers who bought warranties.

Call a few local contractors or home repair experts. They’ve probably worked with warranty companies before and know which ones work well.

Online Reviews: They’re Usually Really Bad!

Few home-related products incite more anger than a home warranty that would not pay for a necessary repair.

Look no further than online forums which are filled with 1-star reviews, horror stories about loopholes allowing warranty companies to avoid payment, and tales of unsympathetic customer service reps.

Of course, people who had bad experiences post more reviews than people who felt like everything went OK. Such is the nature of online reviews.

They’re helpful, but not exactly representative of the entire spectrum of customer experience.

So you’ll need to mix in some research of your own, which means reading the fine print and calling to ask questions before signing a contract.

Read the Contract Before Making it Official

Once you’ve narrowed down some companies to consider, ask for some detailed information from each company on your list.

A company should be willing to give you a copy of the contract with all its fine print so you’ll know exactly what you’re agreeing to.

If you have trouble getting details from a company, move along to someone else. A company that won’t cooperate with potential customers may be even less helpful once you’ve signed up.

Be sure you find out:

Whether the company has a wide network of technicians in your area capable of making repairs quickly.

How you can go about getting reimbursed for a repair if ever necessary.

Whether the company has 24-hour customer service or if help will be unavailable after hours or on holidays and weekends.

If specific components of any covered systems are excluded from protection.

If there’s a waiting period after signing the contract before you can file a claim? If so, how long? (Hopefully not more than 30 days.)

What are the annual or lifetime caps on your warranty’s payouts? If they’re too low, the warranty will more likely be a waste of money.

Will the warranty company want to do its own inspection?

Will the contract require you to pay for regular maintenance in order to maintain compliance?

Best Home Warranties: Our Top Five Choices

We expect to be happy customers when shopping for books, shoes, lattes, and smartphones. If we’re not happy, we’d probably take the merchandise back.

Yet when shopping for a home warranty, shoppers may hope only for a product that doesn’t make them feel angry or cheated.

It’s a low bar, so we sought to raise it. We looked for companies that would offer the flexibility and reliability you’d need to build a warranty matching your home’s needs as we’ve been discussing.

To save time, we didn’t consider companies unless they had a standard contract posted on their site or quickly made available after a phone call. (We also didn’t consider companies without an online sample contract because a potential customer shouldn’t have to call and ask for this kind of standard information.)

We compared contracts and assessed the pros and cons, but we didn’t actually buy or try to file a claim with a warranty.

Every situation is different, but here’s the deal: If I were buying a new home and needed a warranty, these “best companies” would be where I’d start.

1. American Home Shield

All our “best home warranty” companies hold up well to scrutiny based on their contract, terms of service, spending caps, and customer service experience.

So why put American Home Shield at the top of the list?

Because of its “build your own” warranty option.

Remember how we talked earlier about making sure your warranty covers specific areas of concern in your new home?

American Home Shield’s customizable approach breathes new life into this goal. You can choose up to 10 systems or appliances to be included in your warranty.

Many companies’ preset levels of coverage cannot be customized, making it harder to match a warranty to your exact needs.

For example, what if you could get by with a cheaper appliance-only plan except for your concern over the older pipes in the basement? In that case, you’d usually have two traditional choices:

Get the cheaper appliance plan and hope for the best.

Upgrade to a combo plan that would include the plumbing but also add in systems you weren’t worried about.

American Home Shield’s “build your own” warranty introduces a third choice: a plan allowing you to include only what you need.

Let’s be clear: It’s not truly a la carte. You can’t pay a lower price if you choose only five systems or appliances to cover, for example. But by mixing elements of an appliance plan and a systems plan, you can build a more precise warranty.

And customization isn’t American Home Shield’s only strength.

Its payout caps exceed what many customers have come to expect from a warranty. The warranty will pay up to $3,000 for most systems it covers.

The company offers an easy-to-understand contract by industry standards and has an easy-to-use Web site for online claims filing and tracking.

American Home Shield serves customers in all states (except Alaska) and has an adequate network of technicians in most cities.

Monthly costs start at $35 for a basic plan and about $40 for the build-your-own plan.

2. TotalProtect

While TotalProtect doesn’t offer a customizable warranty, its generous caps on repair costs got our attention.

In fact, TotalProtect does not have any caps at all on many major categories such as kitchen appliances.

So if you ran into a string of bad luck and three major appliances gave out the first year, you could still avoid paying out of pocket for repairs or replacements.

Other strength of TotalProtect:

Its network of about 40,000 certified technicians around the country, about 25,000 more than American Home Shield.

Its 180-day guarantee on parts and repairs for covered systems and appliances. This means you wouldn’t need to pay a second service fee for the same problem if it re-occurred within 180 days. Many companies offer only 30- or 60-day free recall periods.

TotalProtect’s most comprehensive warranty usually costs about $5 more than American Home Shield’s in most markets, which may be worth it if you like the 180-day guarantee and the more extensive network of technicians.

3. Sears Home Warranty

Sears Home Warranty also has a 180-day free recall period and a high cap on expenses.

Except for repairs on the most expensive line of appliances — a professional, high-capacity clothes washer, for example — Sears will pay up to $10,000 on repairs.

What gets Sears onto our list is its extra features. Warranty customers can get a free HVAC check every year, which can prevent breakdowns at awkward times such as holidays or during extreme weather.

Sears Home Warranty customers can also get discounts on oil changes and tire rotations at Sears Auto Centers. This bonus is available mainly on the East Coast, Michigan, and California.

Sears still has some significant name recognition around the country and an extensive team of qualified home repair technicians. Its warranties also tend to cost more, plan for plan, than American Home Shield’s.

4. America’s 1st Choice

America’s 1st Choice Home Warranty allows for some customization that caught our attention.

You can’t simply build your own plan as with American Home Shield, but you can add on specific systems or appliances to a preset plan. This could help avoid a full upgrade to the next highest plan.

Caps for payouts fall below the previous companies on the list, but they’re still higher than many other plans. Typically, America’s 1st Choice would cap appliance repairs at $1,500 and systems repairs at $2,000.

But the premiums also run a little lower, and the warranty features a uniform fee of $60 for service calls. Other plans have different fees for different kinds of service calls that may range all the way up to $125.

America’s 1st Choice has been in business for only about a decade, but so far it seems to be a solid choice, especially if you’re looking for a reliable but lower-cost option.

This combination of solidity and value placed it on our list.

5. Choice Home Warranty

Choice Home Warranty makes this list because of its flexibility.

Like America’s 1st Choice, Choice Home Warranty allows customers to adapt preset coverage levels to make them fit their specific needs.

Choice Home Warranty does not cap overall annual expenses but it does impose a $1,500 cap on each individual appliance or system within the warranty.

You can find a plan for about $30 a month, and the warranty has a uniform $60 fee per service call.

We also like Choice’s always-open customer service. You can call any time of day, any day of the week, even on holidays. We also like the online claims process.

Choice’s per-system or appliance caps are lower than many of its competitors, and we’re not huge fans of that, but premium costs and service costs are also lower.

The combination of flexibility and value helped secure Choice Home Warranty a place on this list.

Other Companies to Consider

I’ve stressed it so many times now, but it’s worth saying again: Your home warranty should match your home.

This need for flexibility helped propel several companies onto the above list of Five Best Home Warranty Companies.

Several other companies also provide reliable coverage.

I’ll include them here as honorable mentions:

Select Home Warranty: Throws in free roof coverage and also has customer service reps available all the time. Select Home Warranty offers sign-on specials throughout the year if you’re trying to save.

The Home Service Club: Works hard to provide good customer service and it shows in their positive online reviews. Premiums are higher than their competitors. So are service fees which can range up to $125 per visit.

Total Home Protection: Offers the first month free and does not limit your number of claims. Total Home Protection offers flexible options and has many qualities of a Best Five company, but it lacks experience. The company started in 2016.

Become an Expert on Your Home and Your Contract

A warranty supporting the systems or appliances you’re most concerned about in your home can protect your monthly budget from big hits.

Since you’re the expert on your home, you’ll know what systems or appliances need the most support. (If you’re just moving in, check that home inspector’s report.)

You probably aren’t an expert on the home warranty contract you’re looking over, though.

Before signing it, read it thoroughly. Become an expert. Take note of what the contract requires of you, the homeowner.

If you don’t hold up your end of the bargain, or if you’ve exceeded the plan’s spending caps, the warranty won’t help when you’re facing a huge repair bill. This is the source of some, but not all, of the frustration which customers have with home warranties.

If you already know you won’t do what the contract requires, such as annual check-ups on all the covered systems and appliances, don’t sign it.

You’d be better off saving those premiums toward repairs or finding a warranty with fewer requirements. More importantly, though, when you become an expert on the contract you can use it to your advantage.

If a customer service rep thinks the repair you need isn’t covered, you’ll know better.

You’ll know what questions to ask and what answers to expect.

At that point, you’ll know you have a home warranty in place as a line of defense against out-of-control and unexpected home repair costs.

The post Best Home Warranties Available For 2019 appeared first on Good Financial Cents.

from All About Insurance https://www.goodfinancialcents.com/best-home-warranties/

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mariannewhughes · 6 years

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Six months ago, on a sunny spring day in LA, I donned a suit—a rare event—and walked into a courtroom at UCLA. With me were Robert Miranda, a 24 year old entrepreneur who runs an Xbox and smartphone repair shop in the desert town of Barstow, California, and Matt Zieminski, one of the better iPhone repair technicians in the world.

We were there to petition for the freedom to tinker. There’s an obscure aspect of copyright law that is being abused by big manufacturers to take away our ability to fix things. In 2001, Sina Khanifar, a young entrepreneur, was sued by a cell phone manufacturer citing section 1201 of the DMCA, the Digital Millennium Copyright Act.

Simply stated, 1201 makes it illegal to ‘circumvent’ locks put on products by the manufacturer without permission. It shifts control of our products from us, the owners, to the original makers of the equipment. This law has been a significant contributor to the steady erosion of ownership rights.

Over the last twenty years, section 1201 has become notorious for stripping away the freedom of security researchers, cell phone recyclers, and farmers. Right now, General Motors is suing popular auto parts company Dorman for copyright infringement for selling aftermarket transmissions.

Fortunately, Congress built an escape hatch into section 1201, allowing citizens to petition for exemptions to the extraordinarily broad law. So, every three years, someone has to go and ask for the right to tinker with our stuff. I’m that someone—that’s why I was in LA.

Left to right: Jay Saurik, Matt Zieminski, Cynthia Replogle, Kyle Wiens, Sina Khanifar, Robert Miranda, Kit Walsh, Cory Doctorow, Katharine Trendacosta

On behalf of the iFixit community, I came to ask for permission to circumvent digital locks in order to fix our stuff. Fortunately, I wasn’t alone. Along with Robert and Matt representing Repair.org, I was joined by Cynthia Replogle, iFixit’s rockstar lawyer. And Cory Doctorow, Kit Walsh, and Mitch Stoltz from the Electronic Frontier Foundation, as well as Jay ‘Saurik’ Freeman of Cydia iPhone jailbreaking fame. We also had help from Jef Pearlman and his team of students from Stanford’s IP law clinic. Our allies were met with opposition from a variety of moneyed and acronymed interests—the MPAA, RIAA, and the Auto Alliance, to name a few.

Over three full days in LA, we were grilled by the Copyright Office. They wanted details on how cell phone baseband processors work, how automotive telematics systems are different from OBD II diagnostics, why you can’t simply swap in a new Blu-ray drive into an Xbox, and so forth. It was exhausting—for us and for them. But they had done their homework, and asked intelligent questions on a startling variety of topics.

The final ruling was released today, along with 342 pages of background. Our work, and that of our allies, was cited extensively. The Copyright Office clearly understands the frustration that the repair community is experiencing. In the introduction to their ruling, they include this quote, “[i]t’s my own damn car, I paid for it, I should be able to repair it or have the person of my choice do it for me.”

Unlike past rulings, this goes into effect immediately. Well, almost immediately. The new rules are the law of the land as of this Sunday, October 28. So let’s break it down, and talk about what’s illegal today that will be kosher come Sunday. (Oh, and here’s the decision from 2015 for comparison.)

Major new freedoms:

You can now jailbreak Alexa-powered hardware, and other similar gadgets—they call these ‘Voice assistant devices.’

You can unlock new phones, not just used ones. This is important for recyclers that get unopened consumer returns.

We got a general exemption for repair of smartphones, home appliances, or home systems. This means that it’s finally legal to root and fix the Revolv smart home hubs that Google bricked when they shut down the servers. Or pretty much any other home device.

Repair of motorized land vehicles (including tractors) by modifying the software is now legal. Importantly, this includes access to access telematic diagnostic data—which was a major point of contention.

It’s now legal for third-parties to perform repair on behalf of the owner. This is hugely important for the American economy, where repair jobs represent 3% of overall employment.

The ruling was not without some bad news:

Our game console repair petition was denied, meaning repairs of PS4 and Xbox One systems are going to stay expensive.

Products that are not ‘smartphones, home appliances, or home systems’ or ‘motorized land vehicles’ are excluded. So boat and airplane owners are still out of luck.

An exemption request by Bunnie Huang and EFF to bypass HDCP, the copy protection on HDMI for the purposes of expanding the TV ecosystem was denied.

We are going to continue to have trouble making repair options available for Xbox and Playstation optical drives because they’re cryptographically programmed at the factory. We asked for the ability to pair a replacement drive with an existing console. But the Copyright Office declined, stating that ‘in many cases, manufacturer repair services will be widely available and adequate.’ On behalf of gamers in rural communities around the country, I respectfully disagree.

Taylor Swift and Telematics

You may find this hard to believe, but one major point of discussion at the hearing was whether letting people repair cars and tractors would allow them to pirate music and movies using the vehicle’s entertainment systems. In their 2015 filing, John Deere speculated that farmers might pirate Taylor Swift music using their equipment. Fortunately, the Copyright Office saw through that argument:

Most of opponents’ concerns, while significant, primarily relate to accessing entertainment works through vehicle entertainment systems and related subscription services, not to repairing more functional software installed to facilitate vehicle operation, which may require bypassing TPMs that incidentally protect entertainment systems.

This Ruling is not a Panacea

With those few exceptions, the Copyright Office went as far as they could in granting access to the repair community. There are still significant limits, though, that will need to be addressed by Congress.

One of those being the law against ‘trafficking’ in circumvention tools. From today’s filing, “limiting the exemption to individual owners threatens to render it effectively meaningless for those who lack the technical knowledge to access and manipulate increasingly complex embedded computer systems.” Now that circumvention is required to perform repairs, and most repairs benefit from tools, we need to open up a market for developing and selling those tools. Legislation like Congresswoman Zoe Lofgren’s Unlocking Technology Act would provide the clarity that tool developers need. It would also be helpful for service providers to codify the ability of third-parties to perform service.

A Groundbreaking Decision

Nowadays, just about everything has software. Your ability to fix and maintain the products you own is contingent on being able to modify that software. But our tooling hasn’t kept up. For fear of prosecution, farmers and independent mechanics haven’t developed their own software tools to maintain their equipment. Now, they can.

This ruling doesn’t make that tooling available to the public—we’re going to need actual Right to Repair legislation for that. But it does make it legal to make your own tools. And that’s a huge step in the right direction.

This is a sweeping victory. It’s the result of years of careful, painstakingly detailed work by the community. So pop a celebratory bottle, or maybe pop open a piece of household hardware this Sunday—we did it!

The Fine Print

For those of you that want to put on your amateur-lawyer hat, here’s the full text of the exemptions that are relevant to hardware tinkerers:

(5) Computer programs that enable the following types of lawfully acquired wireless devices to connect to a wireless telecommunications network, when circumvention is undertaken solely in order to connect to a wireless telecommunications network and such connection is authorized by the operator of such network

(i) Wireless telephone handsets (i.e., cellphones);

(ii) All-purpose tablet computers;

(iii) Portable mobile connectivity devices, such as mobile hotspots, removable wireless broadband modems, and similar devices; and

(iv) Wearable wireless devices designed to be worn on the body, such as smartwatches or fitness devices.

(6) Computer programs that enable smartphones and portable all-purpose mobile computing devices to execute lawfully obtained software applications, where circumvention is accomplished for the sole purpose of enabling interoperability of such applications with computer programs on the smartphone or device, or to permit removal of software from the smartphone or device. For purposes of this paragraph (b)(6), a “portable all-purpose mobile computing device” is a device that is primarily designed to run a wide variety of programs rather than for consumption of a particular type of media content, is equipped with an operating system primarily designed for mobile use, and is intended to be carried or worn by an individual.

(7) Computer programs that enable smart televisions to execute lawfully obtained software applications, where circumvention is accomplished for the sole purpose of enabling interoperability of such applications with computer programs on the smart television.

(8) Computer programs that enable voice assistant devices to execute lawfully obtained software applications, where circumvention is accomplished for the sole purpose of enabling interoperability of such applications with computer programs on the device, or to permit removal of software from the device, and is not accomplished for the purpose of gaining unauthorized access to other copyrighted works. For purposes of this paragraph (b)(8), a “voice assistant device” is a device that is primarily designed to run a wide variety of programs rather than for consumption of a particular type of media content, is designed to take user input primarily by voice, and is designed to be installed in a home or office.

(9) Computer programs that are contained in and control the functioning of a lawfully acquired motorized land vehicle such as a personal automobile, commercial vehicle, or mechanized agricultural vehicle, except for programs accessed through a separate subscription service, when circumvention is a necessary step to allow the diagnosis, repair, or lawful modification of a vehicle function, where such circumvention does not constitute a violation of applicable law, including without limitation regulations promulgated by the Department of Transportation or the Environmental Protection Agency, and is not accomplished for the purpose of gaining unauthorized access to other copyrighted works.

(10) Computer programs that are contained in and control the functioning of a lawfully acquired smartphone or home appliance or home system, such as a refrigerator, thermostat, HVAC, or electrical system, when circumvention is a necessary step to allow the diagnosis, maintenance, or repair of such a device or system, and is not accomplished for the purpose of gaining access to other copyrighted works. For purposes of this paragraph (b)(10):

(i) The “maintenance” of a device or system is the servicing of the device or system in order to make it work in accordance with its original specifications and any changes to those specifications authorized for that device or system; and

(ii) The “repair” of a device or system is the restoring of the device or system to the state of working in accordance with its original specifications and any changes to those specifications authorized for that device or system.

(11)

(i) Computer programs, where the circumvention is undertaken on a lawfully acquired device or machine on which the computer program operates, or is undertaken on a computer, computer system, or computer network on which the computer program operates with the authorization of the owner or operator of such computer, computer system, or computer network, solely for the purpose of good-faith security research and does not violate any applicable law, including without limitation the Computer Fraud and Abuse Act of 1986.

(ii) For purposes of this paragraph (b)(11), “good-faith security research” means accessing a computer program solely for purposes of good-faith testing, investigation, and/or correction of a security flaw or vulnerability, where such activity is carried out in an environment designed to avoid any harm to individuals or the public, and where the information derived from the activity is used primarily to promote the security or safety of the class of devices or machines on which the computer program operates, or those who use such devices or machines, and is not used or maintained in a manner that facilitates copyright infringement.

(14) Computer programs that operate 3D printers that employ microchip- reliant technological measures to limit the use of feedstock, when circumvention is accomplished solely for the purpose of using alternative feedstock and not for the purpose of accessing design software, design files, or proprietary data.

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letsimportanttreecollection-blog · 6 years

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Hit and Run, no witnesses, lying to insurance?

"Hit and Run, no witnesses, lying to insurance?

So, I was with my girlfriend and we parallel parked in a space which we soon realized was restricted. So she pulls out of the space, too close to the delivery truck in front of her, and side swipes it on the way out. We pull off to the side, see no damage to the truck, but a huge gash in the side of her car. We decide to leave, since the only damage is hers. The next morning, she goes to the body shop to get the damage assessed. They tell her it is going to be over $4000 to repair. She decides to file it with insurance, saying that she had left her car parked on the street, and found it this way, assuming it was a hit and run in the opposite direction. Had she asked me before doing this, I probably would have advised against lying about it, but she has. So, the insurance inspector is coming to assess the damage in the next few days. My question is, how rigorous are these inspections? Will these guys be able to look at a gash in the side of her car, and tell that it was inflicted by her sideswiping a truck, not the other way around?

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