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#this is alternatively titled 'consistency? dont know her'

dufrau · 6 months

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2- Orange Crush

15- TLOU au

9- Tits Out for Annie Oakley

Also 9- Red&White&Blue&Gold

11- You're covered in sun

Sorry it's so many lol. But I neeeeeed it.

Okay lets gooooooo

2: What scene did you first put down?

I wrote this linearly so I started at the beginning, but I had the whole idea at once so I knew at all times what I was writing towards, right down to the spaghetti.

15: What did you learn from writing this fic?

I learned that it takes a lot longer to describe a facial expression in writing than it takes to have one. This is the first wholesale AU I've ever worked on. Just in general, though, adapting an episode of TV to a story meant to be read. And in doing that with an extremely well structured episode of television I think I learned about story structure and pacing, although im not sure WHAT i learned because it still feels largely like vibes. Also that its okay to write the hard thing! In one of the first posts I made about maybe writing this one of the tags suggested I was going to change the ending. But once I started writing it it was very clear that changing the ending would weaken it, so I wrote it and it was sad and I was afraid everybody would hate me but only a few people did lol. Also the Robin POV sequel was structurally complex in a different way that was a challenge to write but I think ultimately it worked out okay.

9: Were there any alternate versions of this fic?

For Tits Out: Not exactly. I never really had a handle on this one at any point so I never really knew what it was going to be besides smutty? I think my original intention was for it to be moodier, less silly. I don't know. Like I was sort of invisioning it as like a smuttier version of Exile, and it has SOME of that but also feels kind of the opposite too in certain ways. I dont know! I thought of the title the morning I posted it lying in bed trying to think of song lyrics that fit and none of them tit so I just started thinking stupid things and this is where we ended up!

For Red&White: The last chapter I originally envisioned as them actually getting to a hotel room and Nancy actually doing the tie pulling thing from her end monologue but I couldnt figure out how to get them there and keep the mood consistent with the rest of the fic. Like I had the class reunion AT the hotel at first because I was like okay they can just catch an elevator but like... it just didnt really work like that. And then i realized that this was a story about banter from the beginning so the answer was not to force action but just to make the action banter? If that makes sense. (I do have a google doc somewhere with the beginnings of an alt ending in the hotel room though that i almost wrote for femslash week smut day)

11: What do you like best about this fic?

The atmosphere. I described the hell out of that old people house. I feel like I absolutely nailed the sense of place in that one. And also how well that atmosphere works with the ending, that kinda hazy dreamlike feeling. And then also that nobody guessed the ending! As far as I know. Maybe somebody guessed it and decided not to brag about it. Guess we'll never know.

(questions if you want to ask me anything)

#conspicuouslyvibes #asks #fic writer asks

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rozes-random-nonsence · 2 years

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AU list!

Adventure Forward (Roblox) Alternate Universes + Summaries

i have no consistency in what i include in these summaries lmao

Pog AU/Gaming AU - literally just a shitpost turned into an AU. its great! story is the same as canon AF but with gaming stuff instead of stars

Nobody Gets Hurt/NGH AU - Basically Cyalm has no evil intents but still has the narrative, so they go around asking the AF2 prepoints if they want to be Points and if they want to take part. The narrative of AF1 and AF2 still happens, and at the end it's revealed it was all staged! SS2 is either annoyed or finds it funny (depends on the interpretation.) they try to do AF3:VR as well but it all falls flat on its face and the theoretical Shard Savior's reaction also depends on interpretaion.

^NGH AU TL/DR: Cyalm has no evil and kindly asks the prepoints to be in the narrative. af2 and af3 happen like plays where its not actually real but the saviors dont know that at first.

McCyalm's - The classic! The concept of McCyalms came into existence during a Scouts/BSA camping trip, on Sunday, November 28th, 2020. One of the adults joked that there was a McDonald's in one of the trees. I thought "Well how can I make this funnier?" So I took a picture of the tree, and one with me knocking on it. I drew Cyalm in a McDonald's uniform inside the tree! There's not actually any lore or story to this AU/Concept, it's really just a joke that I consider an AU.

Nightmare/NM AU - (split into parts due to longness)

NM!AF1 - A dark corruption takes over Maytown, trapping citizens in nightmares. A young savior goes around freeing them from these nightmares, gaining the title "Dream Savior." DS1's name is Christian (?) (i swear updated his name but i cant find it). Once the nightmares are gone, he goes to Shadow Hill to face the supposed entity behind the nightmares. There they face what would appear to be "Stratosfear," who fades away, leaving the Savior surrounded by nightmare versions of his friends, the prepoints. He becomes overwhelmed and succumbs to these nightmares.

NM!AF2 - With the Dream Savior and the prepoints having gone missing two years prior, A new Savior is summoned to the Sky Emporium. Cyalm is not present so the new savior stumbles to the first world. Each Point is trapped inside their nightmares, taking form as the worlds. They all attack the Second Savior, thinking she's the corruption that caused all this. (DS2 is Ava, younger sister of the first savior.) A point named Lecia saves Ava in the first world and guides her through the worlds. Ixol is not corrupted by these nightmares, doesn't know DS1 or 2, and is very kind to Ava. In world 10, Ava encounters a point who reminds her of the first savior, and after he leaves, is faced by a corrupted Lecia. Ixol helps at the end, and the three go and find Yawgate.

NM!AU ending - Ok i didnt intend to do a story dump but uh. yeha theres a lot here. Basically the final part is--Yawgate leads the three to a corrupted pocket dimension, where they face the corrupted entity: Chronosequence, a fusion of Pasless and Morward that was corrupted by their matching aspects. This fusion pointifies Ava mid-fight, and in the end Chronosequence is defeated. The points are freed from the nightmares, and the two dream saviors are reunited.

ok that took a while anyways.

Last ones Left/LOsL AU - If someone is pointified, it (in a way) kills them and permanently deletes their memories. Cyalm abuses this power, permanently deleting who they were. Cyalm is Miobot/Mino's creator in this AU, and tries to erase their memories multiple times when they "get too nice". Though because Miobot is a robot, their memories aren't fully erased and come back later. Stratosfear's memories are not fully erased either, since they're actually a cyborg :] LOsL!Cyalm sucks we all hate them. cue LOsL!strat and mino beating the shit out of LOsL!Cyalm <3

Shunned Down Saviors/SDS AU - The world consists of various fantastical and supernatural species, but also humans. Humans are seen as the weakest species, and almost everyones freaking racist because they think humnas aren't capable of anything. SDS!SS1 is Jobos (he/xe), a half-human half-wizard who thinks he's 100% human, doesn't think mirror reflections are real, and feels like he's worthless even after defeating stratosfear. as stratosfear xe has no hope in SS2 or SS3 since xe learnt he wasn't 100% human. SDS!SS2 is Keschian (they/them), a lil babby who's insecure about their worth because of all the discrimination </3. Ploque is the best point in this AU hands down. shes very caring for the second savior and isnt actually racist!! SDS!Shard Savior is Tulip (she/it) and is very confident in herself. she takes pride in mental stability and strategy rather then brute strength. when Celesteal comes back at the end of SDS!AF3VR the saviors just seal them in a dimension because this cyalm also sucks. :]

dear god thats all 6. that took very long to write :thumbs up emoji:

#longpost #roze rambles #adventure forward #rozesrandomnonsence

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gemjupiter · 5 years

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artists from other genre’s you might like if you like dodie

do you want diverse musical taste but still want the good good vibe of dodie’s discography? this is the post for you

pop punk:

idkhbtfm - a 2 man band consisting of dallon weekes (of panic at the disco fame) and ryan seaman (of falling in reverse fame) the bands concept is of "...a band out of time. One who faded away into obscurity after struggling to find success in the late 70's and early 80's." the closest comparison i have to the sound of dodie’s music is in the middle

paramore - a 3 membered “genre neutral” band consisting of hayley williams, taylor york and zac farro their discography ranges from true ‘07 pop punk with arguably one of the greatest songs ever written misery business, to more mainstream pop stuff with still into you and honestly self titled as a whole to what i would call depression funk with after laughter, i saw them live this year and cried. dodie music comparison: would you be so kind (i guess?? also in the middle)

kpop:

day6 - a 5 membered actual band under jype consisting of jae (guitar), sungjin (also guitar), young k (bass), wonpil (piano), and dowoon (drums) they’re like honestly legends they’ve never made a bad song ever like they’re physically incapable of it, also their fanclub is called myday. they’ve made both heavier rock stuff like i wait and pre much all their japanese releases and softer more acoustic stuff like hi hello and you were beautiful, their most recent comeback had a retro 80s vibe if your into that, also it should be known i cry almost every time i listen to day6. dodie music comparison: absolutely smitten

oh my girl - a 7 membered girl group under wm entertainment consisting of hyojung, mimi, yooa, seunghee, jiho, binnie, and arin i know very minimal about them as people bc im still just getting into them but honestly their music slaps, i thought they’d just be like a cute concept which i love don’t get me wrong but they're so much more than that like honestly remember me? a bop, windy day? slaps. dodie music comparison: human

indie:

mitski - nobody nobody noBODY NOBODY need i say anymore people. honestly be the cowboy might just be the best album of the year and im not exaggerating, like i dont have words for the way mitski’s music makes me feel but its kinda like when your coming home from school and you feel crying but your on train filled with people so you cant. dodie music comparison: when

rex orange county - my friend svet recommended him to me and like changed my life am eternally grateful. rex orange county has a very like wistful sound i guess if that makes any fuckin sense. dodie music comparison: sick of losing soulmates

alternative:

girli - does girli count as alternative? i dont care everyone needs to listen to girli her music slaps and she has some uhh gay bops like girl i met on the internet honestly listening to her music just makes me feel cool lmao. dodie music comparison: one for the road (i guess??? idk just listen to girli trust me)

bleachers - you may know them from their absolute bop on the love simon sound track and i am here to tell you all of their music bops, i saw them live this year when they opened for paramore and honestly they were so fucking good like i cannot express how good they were. dodie music comparison: tell me a story

gay:

king princess - uhh king princess is who im tryna be honestly like lesbian icon, her music is good and also gay shout to holy for being THE lesbian hoe anthem, need i say more. dodie music comparison: would you be so kind

girl in red - is a similar genre of ukulele bops as dodie but like more gay the most i can tell you about her from her bandcamp is she 19, gay and Norwegian. dodie music comparison: if i’m being honest

holland - the first openly gay kpop idol also the man who owns my heart, ik he’s classed as kpop but honestly his music is more europop than anything anyway i would die for holland. dodie music comparison: party tattoos

#spencer.txt #i know gays not a genre but like if you want more lgbt artists to listen to that are like dodie those are your bet #also bonus kpop rec: love u by chungha #i have like bad music taste i know this but by god will i force you to listen to it too #should i make a spotify playlist of songs from very different genres that you might like if you like dodie???#bc there are lots of like random songs that give me heavy dodie vibes that i couldnt rec here #also yes there are 3 gay ones cause its what we deserve #also i only did wlw artists and then i realised i was doing mlm dirty

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isaacathom · 5 years

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ok i finished a quick article on Skarhan Vostan (i say quick, it took like an hour and is 800 words, nice), we’re now gonna return to your regular scheduled War of the Roses knock off

now

do i wanna separate these bad bois into houses. cause it is three bloodlines, + Reon I+II. the two reons fall into the Ferean descendant branch, politically, for reasons which become apparent about 20 minutes into the war of succession when Zaloren (Ferean’s son) goes to war with Sumi over her deposing Reon II for being a young sick kid who wont make it to 25. very fun.

im thinking I’ll designate them as three houses. Sumi, Ila, and Ferean. Ila and Ferean didnt actually... participate in the war, though? Ferean cause he was long dead, like that boy was dead before the plague even hit, and Ila because she didn’t really have anything she could do about it, because she didnt have any way to argue her case in a way that would win over public support, since she was a middle child. so she stayed neutral. Taris, her daughter, was just a force of nature and came out like a truck at the end to become like, monarch number 7 for 3 years in there, because Taris didn’t give a fuck about public support. Askila only got in the game because she COULD get public support, though this was on less on a ‘constitutional’ basis and more on the fact she was a better leader than the alternatives. also she murdered the two people keeping her from being able to claim absolute primogeniture. it was a lot of fun.

anyway, what to call them? and how do i wanna present this. the issue is that Ila’s descendants dont come into play as contenders until the 60s at the earliest. the war started in 388. Taris didn’t become Empress until 354. it seems strange to introduce her line at the onset, but i guess for context purposes like ‘hey just so you know these fuckers dont come from NOWHERE, heres the shit’. im okay with that. but i need names. they were probably names deriving from the duchies/whatever that the families each held in their positions as the children of Emperor Iden III. lemme pick some shit. hold on. there IS an issue with that, though - I feel like I’d have to explain why the current imperial descendant doesnt hold the title of the winners. because thats the issue - the winner, Askila, would have herself held title, and while SHE didnt marry a titleholder, her brother did, and it was her NEPHEW who ruled after her, and by rights he would possess BOTH titles in addition to being Emperor and all the other symbolic guff. this arguably only causes an issue for Iden of Ilnon, who is, by blood, the most senior descendant of Zaloren the Conqueror. Like. He just straight up Is that. or, legitimate one, anyway. there are a lot of bastards in there. dont worry about them. i suppose that i could just say that Ila and Ferean had rather minor titles, or that they were split from the monarchy later? theres ALSO the possibility that, at least in the case of Ila’s descendants, that their title was stripped from them when Reon III was executed, due to it being unclear which members of his family had survived. then it simply came about that Askila I never went to reclaim her title, because she had her eyes on the big prize, and so that title died out. it was reestablished later, naturally. Ferean’s line has no such excuse, so they simply had a minor title. which is great! except it has to be more minor than a mark. whoops! County it is.

Ila’s descendants are still listed as ‘House [x]’ for consistency, even if Askila did not inherit that title due to execution shenanigans. Sumi’s line passing its house didnt matter because Sumi’s title was by marriage and at her lines termination, just went right the fuck back up the tree and found someone else. nice! Could be anything.

I’m thinking. Since Askila’s got taken away, she can be anything, and having her be listed as a Shonyul would be interesting. itd also be really rough because you definitely need a ruler in that duchy, so how THAT was handled with the house ‘cancel’ w/ Reon III is anyones guess. so for safeties sake, lets not give Askila a duchy. sumi can have a duchy. she can be a Shonyul! for shits and giggles. They don’t talk about it. Man the shonyuls are nooot lucky with this whole ‘next in line to the throne’ thing, huh? yeesh.

Askila’s family had the Barony of... hmm. i was gonna give shawa but lets not have two sh- names. the Barony of Vunis. And Ferean’s had the County of Harkad, which still falls into the current Mark of Ilnon (so Iden has it, lucky boy! lemme add these to my table reaaaly quick)

beautiful. that will do as a summary. we’ll do a breakdown at the end showing to which group each of the rulers belonged (Askila count as a Vunis, and Reon II counts as either his own dude, or a Harkadi ruler due to the role of Zaloren as a ‘Kingmaker’.

also im 100% making fucking emblems for these people, i have an hour, im making emblems, hold yalls fucking horses a second im making EMBLEMS. Reon I’s is fine - he has the two headed saval, which I just need to get from the flag (oh jesus) and put into like, a size i like. then ill make the rest based on that. shonyul will be hard because im gonna reuse that emblem for 425 stuff, since the shonyul crest forms the basis of the ‘shonyul flag’, when Muna says ‘yea nah fuck this’. its great

#lets go folks its war time #story blogging

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homepictures · 5 years

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classycollectorartisanposts-blog · 6 years

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I am a new driver with good grades and took drivers ed. Will the year of the car affect my insurance rates? Would another car be cheaper? Would being on my parents policy be less as opposed to having my own?

Car insurance for a 17year old.?

Ok, The car I'm going for when I'm 17 is a 2002 PEUGEOT 307 1.4 16V S [AC] 3dr Hatchback. It was 8337.01 for car insurance on Auto Trader (The cheapest). I was intending placing it on my fathers name (Although I was told it was supposingly illegal, but I won't be doing anything dangerous, and I have drove a few cars before (onboardtraining.co.uk etc..)) I was also told about i-kube, but I can't drive between 11pm and 5am, which could be a massive concern for me as I may need to go out at night for emergencies. Is there any way I could actually get quite cheap insurance? I was really into the idea of puttiing it on my dads name and splitting the insurance money with him every annual. Looking for Alternative ways or tips of lowering my insurance (I will still be in full time education when I get the car) Thanks. Any help is appreciated.""

In Southern California where is the best place to get a perscription with out insurance?

I have Strep throat and need Medication!

""21,no job,no health insurance,need meds, what do i do?""

i live in california & i had Health insurance for 3 months (medical) but they cut me off when i turned 21 in december. during those 3 months i was taking fluoxotine for my depression/social anxiety & nexium for dyspepsia. The meds actually worked. it took 2 weeks for my mood to change. i felt happy,less anxious & more talkative! but unfortunately i have ran out. My insurance company said they only take care of youth up to age 21 & the elderly. Well what does everyone else do? do any of you over 21 have Health insurance? if so what company? I have no money to pay for the meds myself, My fam cant afford it, i have no help, i cant get a job (ive been trying for two years) i Have no idea what to do.""

Which companies offer life insurance to clients who have chronic health problems?

I am 37 years old with a diagnosis of lupus (not flaring) with a history of minor kidney involvement, deep vein thrombosis, and high blood pressure. I have been trying to get life insurance but have been consistently denied by the major companies to which I have applied. Does anyone have any suggestions? The only suggestion I received from one company was the hint to purchase Accidental Death and Disability, and if my medical condition worsened, to have an accident . I am hoping for better advice.""

2005 Pontiac G6 GT Insurance?

I have a 05 G6 GT. I am an 18 year old male living in kansas and I want to know how much monthly insurance should be? It is a 4 door car.

How can i get cheaper car insurance at 17?

Car insurance in the u.k??

is ridiculous i am a young male who has had his license 4 10 days and havent drove a car due to the fact that robbing insurance companies are trying to charge me over 2000 for third party fire an theft on a car that isnt even 1000cc in fact its 950 cc does any one no of any insurance companies that DO ACTUALLY SAVE U MONEY thank you

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What insurance would take her?

Wife's best friend is a natural-born U.S. citizen and California resident for decades. She is 49 years old, single mother of a teenager, and has no health insurance. She has a rather large (presumably benign) tumor in her belly that makes her look 4 months pregnant. According to her research, it's a cystic fibrosis, a single lump at or near her reproductive organs. It's been growing for years and has not been diagnosed. In fact, she hasn't seen a doctor since about 1999. She knows that she'll need surgery and wants to get health insurance, but obviously has a pre-existing condition. There are high risk pools for that, but she's unsure how to proceed. Should she go to the doctor, get the tumor diagnosed and then try to get insurance? Should she try to get insurance, yet list her undiagnosed condition on the application in order to be denied? She doesn't make much money, but she knows there's no way around this. Any advice on how to proceed? Thank you.""

Full coverage car insurance?

My parents are the primary insurance holders of the car insurance. It is full coverage and the 1st wreck since having this insurance which has been 5 years for this car. I am on the insurance but not a primary driver. I was involved in a car wreck on my car but my friend was driving and I was in the passenger seat. Since it is full coverage what happens? Do they have to have proof that I said he could drive? Or do they just go about and get it fixed and not say anything since the car is under full insurance? I have I clue when it comes to car insurance so of someone could explain everything the best they can it would be greatly appreciated

Can my apartment management include premiums of renters insurance on my rent ?

The complex I live in requires that each tenant have renters insurance because the management suffered losses from damages as a result of the tenants' negligence. I want to have the freedom to choose the company that I buy it from -- but they want to increase my rent in order to cover for the premiums. The management company in turn buys a policy for each unit. Can they do that ? I live in California.

What is the normal rate for car insurance for drivers between 18 and 25?

Hello i am interested to know how much the average car insurance cost would be for young drivers between 18 and 25 years. can anyone help me please? thank you.

How much would insurance cost?

I'm 18 years old and live in Suffolk county new York on the east end of long island. I drive a 2002 red dodge intrepid with 140,000 miles on it. It's an R/T which is a sport edition!!! The car has a few dings on it. I have no convictions on my license or points and I am a male. How much would insurance cost per month and what company is the most reasonable ? Any info at all would be great, thank you!!!!""

Thinking of switching to Progressive Insurance?

Would like to know if anyone has Progressive Insurance for auto insurance. Would like to switch to them from Farmers because I can double my coverage for the same price as Farmers. Has anyone had problems with Progressive such as filing a claim? or rate increases for no reason. I have not had an accident in over 14 years, knock on wood. Just afraid if I switch my rates will go up for no reason. I know there is good and bad about Progressive. Any input would help. I live in California""

What old car is cheap to insure for 19 year old?

Hi, I would just like to know what old car is cheap to insure foe a 19 year old male. I have a 1993 vauxhal astra 1.4 GL and insurance for me on this car is over 1500. So if anyone knows of an old car that is cheap to insure for a 19 year old male then please let me know! Thank you!""

Who has the cheapist insurance. for min.coverage?

Can I apply for California Unemployment Insurance?

i was working two jobs, and part time permanent position, and a full time temp position. i was layed off of my part time permanent position. i am still working full time at my temp postition, but at times i don't work that position for a couple weeks at a time. can i apply for edd now so when i have those weeks off i can claim edd. or do i need to wait until i have those weeks off and then claim i was layed off from my permanent job?""

Where is the cheapest place to find car insurance for an 18 year old?

Hey, was just wondering where the best place to look for cheap young drivers car insurance? I understand that I am still going to be paying a significant amount money for it but surely there must be some cheaper than 2000? Also does anyone know which type of car is the cheapest to insure? Thanks""

DO I QUALIFY FOR DISABILITY INSURANCE ?

I HAVE PAID INTO MY DISABILITY INSUURANE FOR MANY YEARS. I RECENTLY LOST MY JOB BUT GOT ANOTHER ONE WORKING ON A AS NEEDED BASIS, NO INSURANCE, NO RETIREMENT. THEY CALL ME IN MAYBE ONCE A WEEK TO COVER. THIS JOB IS HARD MANUAL LABOR AND BECAUSE I HAVE BEEN DOING IT FOR A WHILE MY BACK HAS BEEN DAMAGED. I HAVE CONSTANT PAIN THAT WILL NOT GO AWAY. MY QUESTION IS COULD I GO OUT ON DISABILITY FROM THIS JOB EVEN THOUGH I AM AN ONCALL EMPLOYEE? THANKS""

How much will my insurance go up from a provisional licence to a UK full licence?

I have recently started to learn to drive in my car with my dad. However my insurance is on a provisional licence how much will it go up by when I pass my test? My insurance company is Admiral and i'm 17 years old.

How can OBAMA force people to pay for health insurance without providing financial security as first priority?

Guess it is real hard for the people with huge income's to understand what life is like for millions of Americans going without proper diets/food/income NOW like about 50-75 million people in USA mostly several generational Americans while the federal govt keeps providing cheap labor immigrants for business!!!

What is the legal cost of a ticket for not having any car insurance in the state of ala?

Must I have car insurance?

I'm thinking about buying a car but cannot afford the insurance. Can I have a car with no insurance? I live in Amherst Massachusetts and not really familiar with the rules over here. Thanks a lot for any respond.

Expat insurance - what kind of insurance is appropriate?

I traveled abroad for a year and got worldwide travel insurance. Then I decided to make the move permanent. I am living outside the EU and I'm wondering, surely travel insurance is inappropriate for a permanent move - what to other expats get to make sure they are covered against issues abroad? Thanks

Cheapest way to get car insurance?

we know of a family that is going through tough times. Mom works 3 jobs, daughter (18 y.o. works 2 jobs and goes to school full time) while the dad has two DUIs on him. Of course the daughter can't get insurance(because its too expensive). Around $2k a year. Know of any other viable options?? Its in California. Thanks!""

Hi im an 18 yr old male and have my permit but want to get car insurance whats my best bet?

i dont have a car, 18 yr old male, have a permit, CANNOT be put under my parents insurance.""

Car insurance on second how is it covered.?

I am very confuse. I added a second car so that my lil brother can be insured under my policy because its more affordable for him. both car is stored at different address and my address was the permanent address on the policy. Is he still insured? His registation and license is still listed at my address because he use to live with me. Now that he moved out will he still be insured because his licesnse and registration permanenet address is still listed at my home, but his mailing address has change? If he get in accident will it affect me personally like insurance sue me for any damages that is beyond the coverag. How does adding a 2nd driver and car works? Also, Is there such thing like if I insured his car without added him as a second driver and still be insured if he or anyones drives it. If you are an expert and clarify this for me. I want greatly thank you in advance for taking time to help me.""

Pregnancy insurance???????

im pregnant and i dont have insurance that will cover me or the baby. I am trying for medicaid and will probably qualify but barely. And i want to get married before the baby is born but again we might just barely qualify. Is there any suggestions on insurance plans or help with medicaid?

Can someone please explain health insurance to me?

I'm looking for individual health insurance and it is very confusing. Can someone explain what things like deductible, copay, and coinsurance mean? Also, what's the difference between a PPO, Network, Indemnity, and a HSA-qualified plan? Lastly, how do I know exactly what is covered before I apply? People have sent me things in the mail and I'm looking online and I was given a list of things covered, but then it says that this isn't everything and once I sent in my payment I will get a full list of my policy and coverages. That seems shady, and these are top companies like Aetna and Health America, so I don't think they would rip me off. Plus, how come these companies aren't offering a bundle plan, where I can get health insurance, vision, and dental all in one plan with one monthly payment?""

Why are people comparing mandated health insurance to car insurance?

You are not forced to buy car insurance if you don't have a car. You have the right to not own a car. So why can't we have the right to not have health insurance??

How much do you pay for motorcycle insurance?

I would like to know how much you pay for motorcycle insurance. If you could, in your answer, please state how much you pay, how old you are, and what size you bike is. Also say if it is a crotch rocket a cruiser....etc. I am seventeen and wondering what a roundabout insurance quote would be for me.""

What's the average cost monthly for a high school student for having a car?

Just like the question says, around how much is everything put together on having a car (maintaining, oil, insurance etc) for a high school student. Thanks.""

Where can a first time driver buy affordable car insurance?

My family does not want to put me under their policy. I am 17 and will be getting my licence this Friday. I make minimum wage ($7.25 and hour) I will be driving my mother's car. Is there any insurance I can afford on my own?

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How much does DMV charge for the 30 day car insurance?

What is the best health insurance plan for my husband and I?

We're age 20 & 22. In school. Don't receive insurance through work. Live in Michigan. No health problems right now (that we know of) lol. We can afford about $50 to $100 per month. Looking for dental and a visit or two per year to a physician (checkups) for each of us and a deductible that can work around that and decent co pay.

Can I take a life insurance policy on my 80 year old father who is excellant help without him knowong?

Would you let your teenager daughter drive a classic car?

An old catalina convertible to be exact. She is very responsible, however, do you think it is too dangerous of a car? Also, how much would insurance be on a classic car with a student driver?""

What's a good medical insurance plan for someone in my situation in CA?

It's so overwhelming with all the different policies out there, if someone has a recommendation for a good insurance company that is affordable for my situation: a. self employed single female b. no health risks/problems c. mid 30s d. prefer a plan that covers maternity just in case""

Car Insurance Calculator?

Im looking for a car insurance calculator so i can see how much this car would cost to insure should i end up getting it. Im only 17 so calling a car insurance company i would rather stay away from and idk what company my parents are even with But is there a calculator that doesnt require a ton of steps and just lets me put in what car i have and some basic questions about stuff that affects a 17 year old. Calculators i have been looking at ask for like house payments and monthly income ect and im 17. I dont have any of that. So any good and easy calculators to see if this car is too expensive to buy?

""I am 18 years old and have 6 points on my driving license, will my insurance cost go down after a year?

I currently aren't on any insurance policy!

Whats a good insurance?

I need a good insurance. Im looking for medical,dermotalogyst,chiro etc... Any info please help?""

""No pink slip yet, Can I insure my car in California. Also needs tags?

Ok so I bought a used G35 from a private seller but he has one more payment to pay until he gets his pink slip. We made a contract I still owe him some money until we switch it over to my name. My question is there any way to insure the car so I can drive it or should I just wait until its under my name and not drive it. Also it needs tag how should I go about that? I know the easiest way to do this is wait but I want to drive it already so if there is a possible way I'm willing to go out of my way.

Can I get off of my parents auto insurance?

So when I got my license when I was 19 about two years ago I was automatically put on my moms nationwide insurance which was fine because I drove one of her cars but now she only has one vehicle and although I do still live at home I'm a full time student at a community college so she usually drives me around so she can keep the car so in order to save money would I be able to drop myself from her car insurance policy since I don't really drive anyway?

Car insurance for a new driver?

i want to buy a small car, but im worried that the insurance will be expensive what company sell cheap insurance? how much about did you pay? i want a small car, like a 1 litre engine thank you""

IS THERE A LISTING OF CAR INSURANCE COMPNANIES?

Does anyone know a good AFFORDABLE car insurance provider for someone with a DUI/accident?

I'm in New Jersey if that matters.. thanks!

What's the absolute cheapest car insurance company in Illinois?

I'm a first time driver and need an insurance company that is cheap! Any recomendations?

Passed my driving test today and I am looking for cheap insurance (like everyone else!) and I am hoping some wonderful people can help me out! I currently have a 1.25 ford fiesta from 2001. I am male, 17 years old and require my own policy. I appreciate any help :)""

What does 6 months mean for car insurance?

I'm 18 and I don't know munch about car insurance. For me it's about $1500 for the year or about $300 a month for six months. Is this every month for six month like January through June? Or every other month for the whole year?

Best car insurance for a teen?

Im 16 and will be getting my license soon but have to pay for my own insurance. I would like to know which insurance agency would be cheapest?

""I'm turning 17 soon & looking for car insurance, anyone know ruffly how much it would be for a toyota celica?

I live in N.ireland

What is the best car insurance for teenagers who got their first car?

It's an older model car and I'm 19. One of my friends pay I have a friend who has state farm and pays 100 a month. Also believe it or not I have another friend who got insurance under her parents insurance company and she got a discount for it.. She is under Progressive and pay 50 dollars a month. I'm a male and I can only dream of my insurance being $50. That isn't going to happen.

Free term life insurance quote?

How do I get a term life insurance quote online?

What is the best health insurance in CA right now?

I need help. I don't have health insurance right now and I want to find an affordable one. I live in San Francisco, and I work part-time. I look at Athem insurance and it was around 60 bucks a month. I can't really afford that right now. Is there any other health insurance that is affordable and good?""

How much does car insurance cost?

I'm saving up for a car and I wanna see how much I will be spending. I know it'll be a lot so I don't want any advice that I should really think about it and stuff I just want answers please. I'm 18 and I'm barley gonna get my lisence. I wanna get atleast a 2011 scion tc. How much will insurance cost? I know it'll be a lot cause of the car and cause I'm a new driver and stuff. And if anyone knows how much a 2011 tc will cost and how much I would have to pay a month for it that would help too. Can someone give me an estimate please. Thanks a lot.

Are there any cheap car insurers for older cars?

I am a 38 yr old woman who has held a license for 20 yrs but has not driven for about 10 yrs. Therefor i have no NCB (No claims bonus) which i can use as it needs to be current or expired for no more than 2 yrs. I have bought a very cheap car for about 300.00 and have looked at insurance but the cheapest so far is around 600.00 which i simply cannot afford. If i could afford to pay that amount i would have obviously bought a car that was worth much more but unfortunately at the moment a cheap car is all we can get. We have been desperate to get a car as i am in a new relationship and my partner has a 13 yr old son who we want to take to lots of lovely places over the summer holidays for some fun. It seems that we will not be able to do it as the insurers are penalising me and im sure lots of other drivers who are sensible drivers but have just not driven in a while for many different reasons - I think this is very wrong! I cant feasibly pay 600.00 for a car that isnt even worth quite half of that - its lydicrous!! Please can someone help me by pointing me in the direction of a cheap insurer who is prepared to insure for the minimum amount. I have read about pay as you go car insurance but dont really know if it is a good option although we ont be doing many miles so i dont know. If anyone has used pay as u go car insurance could u tell me if it is any good please. I hope anybody reading this can help me with the cheapest insurance possible as i am totally deflated at the moment as it has taken us ages to save up enough for the car and tax and what we thought the insurance would be ( we saved another 300.00 for insurance as i thought it would be as much as the car roughly). Thankyou ever so much. Jane.

Who has the cheapest motorcycle insurance?

This is going to sound crazy but try to stay with me here. I'm 17 about to be 18 and I live in Michigan. I'm going to be going to college in Lima, Ohio and will be driving back to michigan every couple of weeks. I have a truck that sucks gas so I am going to buy a bike. Either an 98'-05' Yamaha YZF R6 or R1 I haven't decided yet. I was wondering who has the cheapest insurance for what I'm doing with the bike. Basically driving it long distance and to class every so often. It will be stored in my apartment down there whenever I'm not driving it. Can anyone help me out. I know I'm a little young for any kind of cheap insurance but maybe there is a company out there that gives breaks to college students? Well anyway the main question is : From your experiences which company has the cheapest motorcycle insurance?""

""I'm turning 16, and wanting to buy a car. How much is the Car insurance?""

Well, i'm turning 16 and when i'm 16 i'm going to buy a car. I saved enough money to buy myself a mitsubishi lancer or Eclipse base model. I live in Calgary, Alberta, Canada i want to know what is the cheapiest car insurance for me? on a monthly or yearly term.""

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How do I find health insurance for myself as an individual?

I am currently a sophomore in college, and I really hate student insurance, as it covers and pays for almost nothing, and doesn't include dental. Where do I go if i need to get a different provider?""

Bmw insurance?

im almost 16, and for my birthday im getting a 10 year old bmw. any idea on what the insurance will be?""

""Got a speeding ticket, will my insurance rates go up?""

Im a 17 year old male, on my intermediate license till march, I turn 18 next month. I got my first ticket of any kind this morning for going 65 on a 55 on a highway, she said since it was 10 or under, its not a moving violation and will not interfere with getting my unrestricted license. Ticket was $114 which I can easily pay, but i want to know if my insurance will raise or not, please answer if your knowledgeable on the topic.""

What the lowest someone can get on Social Security Disability Insurance?

The one where you have worked at least a few years. I read that if you don't make more than $700 then SSI will kick in and give you the rest is that true, do you have to apply for it after the fact or is it already done for you? My husband is working on getting disability, he worked several years but his income was not continuous, he never kept a job for very long (He's Bipolar) anyways, we are trying to figure out about how much to expect he will get once it gets approved. I'm just hoping it's not like $300 a month because that's not really that helpful when we are just barely scraping by as it is. Anything will help but I am hoping this will let us breath a little and enable us to own a home for once.""

Is it necessary to hold on to old auto insurance bills?

I switched auto insurance companies recently and I was just wondering if there is any reason at all I should keep my old auto insurance bills from the old company. I'm the one ...show more

Can i drive my parent's car without insurance having my name on the policy?

Can i drive a parent's car without insurance? like they have their car insured and in 17 and i just got my license so can i used their car with their permission? my dad says that i would have to be added to the policy and they would have to pay extra for it..... but i remember my dad letting my uncle and a few other ppl drive the car like not all the time but a few times ? so if they could why cant i?! I LIVE IN CA

Does anyone know if having your car lowered increases your insurance?

I have just got my new car and insured myself on it but it has been lowered. Do I need to tell my insurance and will it cost me more? :)

""If my car is totalled, will the people's insurance who hit me give me kelly blue book value and take my car?,?""

I was t-boned the other day and am pretty sure my car will be totalled, it still runs great, and i love the car. the accident was the other persons fault. if it IS toatalled, will her ...show more""

How long does a dui on your record affect your car insurance in California?

Is it 5, 7 or10 years and will my rate go down 5 years after my DUI anniversary?""

Best place for cheap car insurance for young drivers?

im 19 make live in UK where is the best place to get cheap car insurance, any help appreciated""

Republican want to ensure that 45 MILLION Americans have NO Health Insurance part of their 'Family Values'?

These are mothers, fathers, children, babies - who have no access to affordable health care - but who still get sick - and who subsequently (quite often) lose their homes to ...show more""

How do you know if you qualify for Medicaid?

How much do you have to make be eligible for your baby to be placed in the Medicaid Insurance when born? And, is it easy to get or is there usually a long wait or anything? Thanks :)""

Car accident - insurance policy?

3 days after renewing car insurance in April this year, a total baboon slammed into my car whilst I was driving home, writing my car off. 3rd parry has admitted liability, and all costs for car replacement, car hire, paid for by them. since cancelling my old insurer , and going with someone new to save 200 bucks a year, they ( my old insurer ) are saying I will be charged for the time you have received insurance cover as well as cancellation fee . Now , I can possibly swallow the cancellation fee crap, but, I have already paid them the premium over the period concerned ( insurance renewed on 20th April, accident on 23rd April). so what do they mean by their statement ? NOTE : all trolls, dumb *** replies will be reported

How do I get health and dental insurance?

I am getting married soon. I will be 18 and he will be 21. I have blue cross blue shield through my dad's work and the magnolia health plan(kinda like medicaid) bc I was adopted. ...show more

Is this a good insurance quote ?? from quinn direct!!!?

ive just got a renault clio 1.3 1993 automatic k reg, very clean an just had new cam belt an sumthing else lol an new tyres lol so just passed all the mot, !!!yeah!!! lol so ive been quoted 318.56 no claim bonus im going on as provisinal driver an my partner as a full clean license. do u think that is a good one ? or can it get any cheaper lol""

How do you get cheap classic mini insurance when your 17 and its your first car?

My friend (also 17) got his insurance for 998, i asked and he said about classic mini insurance and joining a mini club, can someone explain and help me?""

What is an average g2 driver's insurance worth?

I Have: -G2 Lisence -2012 camaro ss -primary (only) driver of vehicle -driver's ed training. looking for average monthly insurance. im in ontario, canada.""

19 year old female just passed driving test. need cheap insurance quotes. is anyone else in the same situation?

i am a 19 year old female and have just passed my driving test. i know the insurance quotes i get are going to be expensive but does anyone know who is best to go with (cheapest) and is anyone else in the same situation? Thanks

How do i go about getting car insurance?

ok so i just bought my first car but i dont know a thing about getting insurance nd what not.. my mum said something about third party insurance and greenslips and what not. what's the first step i should take?

Should an average person buy a life insurance?

""In the uk, i am 18, new driver, and want cheap car insurance. The cheapest i have found is 2500. any ideas?""

In the uk, i am 18, new driver, and want cheap car insurance. The cheapest i have found is 2500. any ideas?""

Auto Insurance/Roadside Service. Is Roadguard Auto Club a scam?

I have Robert Moreno Insurance Services via my broker Adrianas Insurance. I googled Roadguard Auto Club, and cant find it. I dont think its a real company. The roadside assistance is $42 and its not mandatory. Their California Motor Club License is #3427-2.""

How much on average is car insurance for young drivers in florida?

i'm a 20 yr old female just trying to budget to figure out how much i need to save for when I get my car. I plan on spending about 2000$ on a used car, but am trying to add in the price of tags, tax, insurance all those up front prices so I figure out how much i need to save up and how many hours i absolutely need to have per week. So, just a rough estimate like $100...$150...something like that. Don't feel like doing price check to price check online with the quotes since I have no clue on the car yet..don't want it to be anything under maybe a '95""

What kinds of life insurance should I have?

I'm 30 years old, and my love is 39. I have an AD&D insurance policy from work listing him as the beneficiary. What other insurance should I purchase? We do not have any children. Do not say we're going to hell, or that we are sinners. If you've read the bible and truly believe in it, then you should know about judging others and casting stones.""

What's a sensible sporty/fast car for a young driver?

I'm 19, 2 years driving experience. I've had two 1.6 escorts and find they are completely gutless. I'm looking for a faster, more sporty car that isn't going to kill me on insurance. Any ideas would be greatly appreciated!""

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https://www.linkedin.com/pulse/university-kentucky-dental-insurance-jose-gardner/"

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viralhottopics · 7 years

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Heres How Corporate America Is Screwing Millennials Out Of Their Fair Pay

If youre a Millennial employee in the public or private sector, your wages are probably being suppressed to pay for the pensions of Baby Boomers who have one foot in retirement.

On March 6, 2017, the published findings by the Urban Institutea thinktank that has been documenting ageist disparities in compensation packages that stifle the upward mobility of younger American workers. Their findings are corroborated by studies conducted in recent years by the UK-based policy center Resolution Foundation.

Generations are slippery and hard to define. Marketers Neil Howe and William Strauss maintain that Millennials were born between 1982 and 2004; Pew Research Center puts the goalposts at 1981-1997. But with the conversation about Millennials gradually shifting from vague stereotypes and generalizations to quantitative socioeconomics, generational thinking is no longer the shallow zodiac of the social sciences. It has become a proxy for the politics of class.

When it comes to rewarding the young, the public sector gets an F

The Urban Institutes research describes the public sector as a site of intergenerational warfare. The policy center graded the state-run pensions of all 50 states plus the district of Columbia, assessing how well Americas school districts, universities, police and fire departments, and local governments distribute benefits evenly among age cohorts.

The data sets goal is to see how good a given state pension is at letting Millennial employees see returns on their pension payments before the age of 35. In the category Rewarding Younger Workers, no state pension plan received an A from the Urban Institute. 14 received a B; 16 received a C; and 21 received either a D or an F. In other words, when it comes to rewarding younger workers by allowing them to accrue a higher amount of pension benefits earlier rather than later, the Urban Institute posits that the vast majority of state employers are either average of failing.

As teachers across the country retire, their pensions are being subsidized by [new hires], wrote Karl Russell and Mary Williams Walsh in the . As more and more pension plans develop shortfalls, states have been imposing cost-cutting measures, and research shows that the newest hires are bearing the brunt of the changes.

Millennial wage throttlingthe British example

How did we arrive at this state of affairs? The Resolution Foundation has answers. Authored in June 2016 by researcher Lauren Gardiner, the British thinktanks Intergenerational Commission produced a report titled Stagnation Generation.

Gardiner blames defined benefit contribution schemes for the generational disparities seen in wages. These are packages of promised benefits that employers made to employees in the salad days of the 1980s and 1990s, when it seemed like the economy would soar forever. Some cocky corporations even took lengthy contribution holidays from putting money into employee retirement funds, believing that the assets already contained in these pensions would continue growing at a robust rate.

When various bubbles of the 20th and early 21st century burst, the value of the securities in these retirement accounts evaporated. To compensate, corporations employed cost-cutting measures to restore their funding positions. These measures involved denying defined benefit packages to younger employeesand they also entailed depressing the wages of younger hires, then rerouting those funds to subsidize the benefits of the aging Boomer workforce.

Young people have seen the biggest pay squeeze in the aftermath of the financial crisis, writes Gardiner in her summary of the British private sector. According to Intergenerational Foundation researcher Matt Hitchens, an estimated 42 billion of potential pay raises for younger employees are lost to pension payments that go to the oldest and wealthiest British workers.

American corporations eat their young

You dont need to look all the way to Americas parent country to see struggling young people.

A study conducted by the American Legislative Exchange Counsel in June 2015 placed the total pension debt of Americas state and local governments at $4.7 trillionan astounding 22% of Americas GDP. New York and Illinois have unfunded pension debts in excess of $300 billion each. Californias estimated pension debt (a whopping $550-$750 billion) is such a crisis that California lawmakers are expected to bring a statewide pension reform measure to the ballot in 2018.

In the meantime, pension debt will be quietly financed by the declining fortunes of Millennials. The University of Californias Board of Regents voted to increase student tuition by 25% to bail out the schools underfunded pensions. In a 2016 op-ed for , Center on Entrepreneurial Innovation director Lawrence McQuillan exclaimed that the unwillingness to properly manage pension plans pushes the cost onto younger people and future generations.

With America still reeling from the Great Recession in 2009, the Social Security Administration published a bulletin titled The Disappearing Defined Benefit Pension and Its Potential Impact on the Retirement Incomes of Baby Boomers. The paper noted that 46% of the defined benefit pension plans in Americas public sector were underfunded. The document does not mention Millennials specificallybut it does explain that ageist disparities in wages and retirement packages are so intense that younger Baby Boomers who narrowly missed out on defined benefit packages are losing wealth accrual relative to their older counterparts.

The SSA explains that the economys shift away from manufacturing [and] toward service led to the decline of defined benefit pension packages. Indeed, Millennials are increasingly employed in fields like food service and caretaking, which are largely less well-compensated than the golden age of assembly line jobs in factories. As a result, retirement is for many Millennials an increasingly distant goal prefaced by a 21st century world of work that feels like an obstacle course.

Deconstructing the Millennial screw-up narrative

Television shows like and movies like (2013) encourage us to see the bungling adulthood of Millennials as a matter of light-hearted comedy. They want to keep you in debt, Maya Kazan tells Greta Gerwigs character in I know that, Gerwig replies, meeting the tension with comedic relief; I see documentaries.

But theres nothing funny about debt. In a scorching essay titled But Seriously Lets Talk About Millennial Poverty, writer Hanna Brooks Olsen declares that when we talk about Millennials, we cant not talk about the debt that keeps us reigned in. That debt is powered by the predatory market of student loans and credit cards. But it also consists of lost wages that go towards cushioning the retirement of older employees. Olsen cites a 2014 study detailing how median wages for 18 to 24-year-olds have declined or remained unchanged during the last decade in industries related to education, retail, and service work.

For Millennials, the titular insecurity of Issa Raes television series is not just personal and psychological. Its also structural and fiscal.

The Millennial search for solutions

While Millennials lead hardscrabble lives of precarity and doubt in increasingly unaffordable American cities, retiring Boomers have come to expect generous Social Security benefits. Pulled disproportionately from the paychecks of Millennial workers who will not see the same cushy retirement when they age, observers have pointed out that Boomer returns on these entitlements are many times greater than the gains they would have seen if they invested the Social Security taxes withheld from their paychecks in high-performing index funds.

With the median pay of Millennials hovering around poverty level, it is no accident that Americas youth tend to favor policies that advance a radical redistribution of wealth. In the 2016 presidential election, Millennial support buoyed Bernie Sanders message of democratic socialism, with Sanders noting in his 2016 memoir that his campaign won strong majorities of young people [in] virtually every state. Concurrently, the leftist organization Democratic Socialists of America has experienced a 300% increase since November 2016, fueled largely to rising rates of Millennial membership. A Harvard University survey released in April 2016 showed 51% of 18-to-29 year old respondents declining to say they supported capitalism.

Millennials can learn to articulate feasible alternatives to failed economic policies in the marketplace of ideas. If companies will not extend plush defined benefit compensation packages to young people, we should lobby to create portable retirement savings accounts. As a result, we would be able to benefits for retirement no matter what kind of jobs we work: freelance, temporary, or salaried. Portable retirement accounts like the kind advocated by entrepreneur-economist Nick Hanauer would also combat shady employers who hire Millennials on a nominal part-time basis for 39-hours-a-week in order to avoid paying benefits that would come from a 40-hour-a-week commitment.

And if its possible to withhold a portion of your paycheck to subsidize a massive entitlement program like Social Security, we should seriously consider what it would look like to tax big businesses at a rate that would subsidize a Universal Basic Income for unretired Americans. If every adult had a livable income simply by virtue of being a freeborn American citizen, we would probably see far fewer struggling-adult narratives like and. And thats a good thing.

A dying systems last breath

The Millennial condition is a generational deadweight wrapped inside of a bank statement with a negative balance. While an endless stream of internet articles ask why Millennials are not purchasing homes, getting married, or having kids at the same rate as their parents, were all too familiar with the fiscal pressures that are preventing us from doing so.

In 1852, Karl Marx wrote the tradition of all dead generations weighs like a nightmare on the brains of the living. But unfortunately for Millennials, the tradition of defined benefit pension schemes and the resulting wage suppression is alive and well.

Who, if not us, will deliver this dying system a decisive deathblow?