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neverdoingmuch · 3 years

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okay! tma au time!

so i’m gonna start off by saying jgs is elias in this au. i dont care what you say about elias’ sexy voice or charisma or whatever, they’re both slimy and evil. also gertrude, so to speak, is wen chao. (bear with me pls)

most other people are assistants. i think? i mean lwj, wwx, jzx and a few others are?

(my brain says it would be funny to have lwj as sasha and su she as not!sasha but lwj deserves better than that)

i’m not really gonna follow the plot of tma bc rip

anyway!

the assistants are just kind of vibing in the archives when they discover that wrh, who’s like the chief of police and is an avatar of the slaughter, is actively killing people for the fears bc acab

does he have a deal with jgs and that’s why wen chao is the archivist? yeah probably. wen chao is the archivist bc daddy had connections. wrh put jgs in charge and sent wen chao to make sure everything was running how wrh wanted it to be

yeah, wrh wants to have control over all the fears or something idk

so wen chao is the archivist. but unlike gertrude who purposefully made things really messy and a nightmare he’s just really incompetent. wen zhuliu is the avatar of the distortion and theyre tight bc zhuliu owes wrh or whatever.

so the wrh stuff comes out and a bunch of people band together to try and bring justice to him and thus we have the sunshot campaign

maybe all the families have their own fears? the lans are the lonely and the nies are the hunt. jfm and yzy are avatars of the bad parenting idk.

anyway, before they took any action, wwx had already started investigating bc wen chao is a lil bitch and very suspicious

while investigating wwx gets sucked into the archivist stuff and ends up being thrown into the tunnels under the institute with wen zhuliu who then proceeds to do distortion fuckery for three months

he finally escapes and kills wen zhuliu using the powers he’d begun to develop in the tunnels (it’s so strange that he stumbled across a tape recorder which he’d named chenqing and after that he kept finding statements,,, so strange)

he’s killed wen zhuliu so he goes off and kills wen chao and now he’s the archivist whoo

he joins up with the others and they go kill wrh, sweet it’s all dealt with but jgs starts spreading shit about how all the wens are terrible and must be killed (including wen qing’s family who are like paramedics who work ed with the police, so not cops but forced to work w/ them)

while jgs is touting that bs jgy is in the background slowly manipulating wwx into getting all the different marks (idk what they were called) from the different fears

he gets kidnapped by xue yang who is nikola and spends a month getting moisturised by him and told that wow he’s so impressive killing the other avatars,, im gonna follow in your footsteps (let’s say that avatars have a truce not to kill each other in this world. like they’re all equals and pretty much the same strength so there’s no real point in killing each other or trying to kill each other)

wwx escapes and im kinda annoyed we dont have enough bad guys for wwx to properly get his marks but whatever

he goes back to the archives and they come up with a plan to kill xue yang and they go off and do it

imma let you pick what happens here. does jzx die? do we let xxc and sl have the spotlight and this is where their story comes into play?

whatever happens, wwx goes into a coma for thirteen months and enter extremely hot avatar of the end who helps him wake up (mo xuanyu?? mo xuanyu.)

he goes back to the archives and lwj has been taken by the lonely while he was gone so he’s working with his uncle again (the lans are the lukases and i take no criticism)

side note: in this au wwx gets two phobias! (gee wwx! how come you get to have two phobias?)

so mr spider was definitely a thing and so were the dogs

while wwx was on the streets he found this book and he’d just started learning how to read so he decided to practise but then some other kid stole it from him and he ended up watching him get eaten by a giant spider also the dogs attacked him bc no rest for wwx

does wwx pretend not to be aware?? i’d say yes. if not bc of trauma then bc it’s super obvious and the look on lwj’s face when the jane prentiss equivalent attacks and wwx says wow those worms were a lil weird huh? is so funny to him

anyway lwj was in the know the whole time and he probably moved out of his family home and joined the archives so he could investigate jgs but then wwx dies and hes like aight yeah imma feel real lonely right now

so wwx comes back and jc, who had been the host of ghost hunt CW (cultivation world) and was attacked by an evil ghost, tries to kill him

after their fight and subsequent freedom from the slaughter and the eye (sans eye removing bc fuck that) jc moves in with jyl

im sorry that what the girlfriends isnt a thing here but i love the idea of a jyl who just isnt scared of anything because she’s seen death and just can’t get scared anymore

she still dates an archives employee though. it’s jzx, who is kinda like tim in this au i guess? did he die in that explosion? (i want to say no so jyl would be happy but if he dies and she’s mourning him and jc and wwx fought,, well now wwx is alone for bad decision times)

one day wen qing comes up and is like pls help my brother, he’s been taken by the buried so wwx runs off and finds breekon and hope (su she and jin zixun), kill jin zixun and steals the coffin

the rest of the wens are in hiding atm so he doesnt have to like monkey chain all the wens out of the coffin

so wwx goes inside the coffin and rescues wen ning (bc jon and daisy’s relationship was super sweet)

they get out and immediately run away with wen qing and the rest of the wens

where do they go? wen qing’s cute cottage in scotland (or cultivation world equivalent)

so they’re living as farmers and wwx is getting sick bc he can’t get statements from here but he has to protect them bc the jins keep attacking (what are the jins working for?? idk. the vast? the dark? who knows, not me)

anyway lwj comes and is like you have to come back to gusu/the archives and wwx is like no! bc he has to protect the wens

so lwj is like fuck ive gotta move my timeline up and find a way to off jgs

jgy ends up doing it and lwj is like /: my revenge,,

everyone is happy! jgs is dead, wrh is dead! but then jgy starts stirring up rumours about wwx and lwj is honestly so tired of this shit

and bc people keep attacking the wens, wwx manages to collect the rest of the marks from the other fears

jgy sends his letter: dear wwx sorry for the deception yada yada yada

but wwx is aware of that shit and just kills himself before he can finish reading it

whoo apocalypse averted but lwj comes to help with the wens just in time for his burial so not whoo?

anyway we know wwx isn’t dead and he’s just vibing in another coma or something equivalent (why does he die twice in this au? bc idk how s5 will end but it’s a tragedy horror podcast and i want them to be happy so he gets to die twice)

anyway, the avatar of the web, mister manipulation and secrets extraordinaire nie huaisang is very pissed after jgy manipulated his brother into becoming an avatar of the slaughter and decides to just expose the dude

lxc kills him bc he deserves to kill jgy tbh,,, manipulative toad

nhs also restores wwx’s rep bc they were besties in uni and i refuse to accept anything else

he rocks up to the cottage/farm and is like hey guys i helped clear wwx’s name and wen qing is like hes fucking dead what help were you? and nhs is like ?? he’s not dead

so they unbury him and lwj wakes him up through the power of love and all that jazz

anyway, wwx manages to do *insert super cool thing here* and gets rid of all the fears and they get a happy ending bc i really want them to have a happy ending

do they stay living on the farm/cottage with the wens?? no but they buy a cottage nearby and happily live there together raising rabbits and growing idk pumpkins

#mdzs #modao zushi #wei wuxian #lan wangji #wangxian #this au was so longggggggg #what the fuck #like so long #im so sorry to anyone who had to read it #cql #the untamed #tma spoilers #i guess??#like if you havent seen the show theres a few spoilers

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bedlamgames · 5 years

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Q&A #100

Yes, been a hundred of this things. Totally a meaningless milestone which is one of my oldest tags on here (assuming any are left after the purge...) still I thought I’d do something for it.

Specifically I’ve gone back over the old Q&A’s and found some favourite questions and answers which I’ll be including in this after the usual round of outstanding ones. Possibly also with some extra commentary where appropriate.

Anonymous said: Hey. Any pair of characters connected by an Owned relationship/reputation seems to crash the game if you use either one of them on an assignment. Any chance of this being fixed?

- That should be sorted in yesterday’s update.

Anonymous said: Got a Forest Goblin with both Dancer and Clumsy. This seems like a very strange combination, but imagining it kind of makes me want to laugh my head off.

- Agreed I think that just works due to being amusing. Less poetry in motion and more of a limerick.

Anonymous said: In No Haven 0.871 the trait " Elementalist: Air " does not appear when using the estimate value function.

- Cheers for pointing out that oversight. Will sort.

Anonymous said: Hi sory english isn't my native langage, In No Have 0.871 TF Edition I have aquired a slaver But with a bug first i don't know how i acquire her and two she had noting , no name no perk jus a little description i will copy the full examine optin on it : - - - - ExamineName: Race: - Sex: - Status: - Reputation: Traits: Condition: 0 Will: 0 Estimated Value: 0 has a flat chest, a regular pussy, and has an unremarkable ass. She is the same size as most goblins, and .She is .

- That looks like an empty character in all respects. I believe there was an issue with Ritual Casting where that could happen and is now sorted. If you see it happen again please let me know what you were doing when they appeared.

Anonymous said: Hey Bedlam, watched stream where you discussed not selling slaves debuff, thing is i always imagined slavers being in this business for fun and pleasure first, and gold second. I mean why else would they agree to live in some Skyrim style, long abandoned really, hard to get to fort in the middle of nowhere, surrounded by hills and marshes(at least that how i imagine it)? So maybe you could make something like,"no new slaves, or slave training for X days, getting bored" or something like that?

- It wouldn’t be too harsh at all. Just a bit of a poke to encourage that you’re business model is based around being a slaver over the leader disappearing to the coast for a week and returning with suspiciously large amounts of gold. In that case you’ve got to think that your slavers might feel that they’re surplus to requirements :D

Anonymous said: I hope you're happy for taking so many hours of my life away from me lol. But playing this again; got a question about NH. Any plans on making some rival groups that we can interact with? Diplomacy, getting tribute, ect. It would be kinda cool to have rivals that push you along

Glad you’re enjoying it!

Likely yes. There’s ways currently now to set up a few ways to get tribute every so often. More groups though who are more hostile than the not-witches in the marshlands or the mistress of the Ensnared Rose are sure to be a thing sooner or later.

doof-ex-machina said: Have you read the Gorean saga by John Nornan? If yes, did it influence your vision of the No Haven world? Gor explores a legal female-oriented slave system, yheah, but there are pretty close similarities with NH in regards to the numbers of ‘fodder’ and the ways of training. Anyway, me personally thinks your world is even better because magic and draenei/succubi boobs, duh.

I haven’t but I am aware of them in general.

NH is a lot more equal opportunities than Gor where males doing it to females, females doing it to males, and all possible variations of that including others like futanari and sissies are likely to happen. Still high praise indeed, thanks!

And now onto some old questions starting with one from before where I realised beginning to combine these might be a good idea.

onedrift from 2015: Trying this again...what's your coder fuel of choice? Red bull, Monster, coffee? None of the above? Soon to be bimbofied slavemakers want to know!

- Heh, totally giving my nationality away (if it wasn’t blatantly obvious already) but the fuel of choice is copious amounts of Earl Grey tea.

Anonymous from 2015: Hiya, been a fan of your work for a long time, captions and games thanks for making them, but a question regarding whorelocks revenge, is it possible to get the tangle infection and bonds of insanity? in all my time playing them I never had either I dont think.

- Not in the current version. Basically I wasn’t happy with the implementation in terms of how they were removed so I disabled them for a bit till I can sort it out… which unfortunately has lasted quite some time.

Soon as I got this No Haven update done they’re top of my list of things to sort in Whorelocks.

(Oh zogging hell. Still not done that yet... Extenuating circumstance for sure with NH taking off and WR was still in RAGS at that point, but even so)

Anonymous from 2015: This is probably a poor place to respond to your open-ended poll question, but have you looked into Twine?

- I’ve looked at Twine and when I one day get round to Rough Landing 3 it’s definitely going to be done using it, but to me it looks like an incredibly poor fit for working on No Haven.

(Oh past me why would say such a thing even if it did make a lot of sense at the time. Let’s hope that guy was wrong)

Anonymous from Q&A #1: Title image is hype, cant wait for next update. recall you mentioned that you had enchantments planed for the update after next (or something there abouts) how far ahead have you planned ahead and any spoilers for the update after this one? :D

- Why thank you! I have several pages bullet pointed of what I have planned along with what I have in my head. For stuff not in the next update I’d say not counting more slave training assignments and options and more assignments in the other areas the big bits of content outstanding are;

Way more potions. (Still do do)

Enchantment/cursing of items system. (Also still do do)

Crafting Devices. (Also, also still do do)

Ways to manage encampments when they get to large by sending slavers/slaves to new areas to provide ongoing gold/supplies along with the occasional assignment. (Oh dear, also, also still do do)

More stuff for you like going on every assignment, bad ends for some of them, more interactions, being enslaved and so on. Basically lots more sub and also some dom content for when you’re not managing the encampment. (Woo progress made! Bad ends for some assignments going on are indeed a thing. Still work to do as I do want to give Crossbones and Into the Depths the QAYL treatment sometime)

Special events that will occur every so often that will affect things be it for good and bad. This will include a way to get a lost slaver back though perhaps forever altered by their experiences. (Woo again this is done. Definitely could do with more done with)

Encampment reputation to reflect a slaver’s standing with how the other slaver’s see them. This will includes slavers becoming slaves and visa versa. (On a roll now as a great deal of this implemented)

More biomancy options and improving thanks to a multi-part assignment. There will also be other multi-part story based assignments. (Partially done and the biomancy multi-part assignment has been started)

And a bunch more basically but those are the priorities after this next update. Probably not all in the same update though.

Anonymous from Q&A #6: I would play the hell out of Paranoia set in No Haven.

- Temptation to give slavers and you conflicting secret societies and agendas rising.

Y’know like…

Dire Panthers: A mottley band of young savage orcs, amazons and trolls out to raise hell by breaking stuff, setting stuff on fire and generally being a nuisance to everyone.

The Cooperative: A dedicated group of Frozen Queen cultists out to oppose the Human Empire by working together to make things better for the common people… till you know the Queen awakens and buries all the land in eternal ice.

Mage Smashers: Magic iz like wrong an’ stuff! We smash dem in dere stupid face till dey not so smart.

Fellowship-Fel: The denizens that lurk beyond our reality and infect our dreams with tainted nightmares are our friends! We must expose ourselves to as much corruption as possible to make ourselves like them. We see no flaws in this plan whatsoever, you see the chorus of whispers in our minds entirely agrees with us.

Psion: No changes need to be made whatsoever from the original version.

Trekksters: …and I think that’s enough of that, or further evidence of why I shouldn’t be allowed anywhere near RAGS or indeed tumblr when I have my old sourcebooks nearby :D

(Also apologies to most of you who have no idea what that was about!) (This is still far too much of a good idea)

Anonymous from Q&A #17: 2/2 and another hilarious one: Your succubus slave Jaeil was not looking so hot right now so Virholen just held her close and told Jaeil that everything would be alright. Jaeil was oddly quiet everytime you looked in on them and you wonder if they have resigned themselves to their fate. Condition: 45 (Change: 20) - Will: 47 (Change: 15)

After their mistreatment Jaeil sees no reason not to only care for them self as clearly no one else will leaving them hardened and even outright cruel. usc++

- You win best bug report in ages, that is beautiful :D

Anonymous from Q&A #37: Will there be other spirit races in the game besides wisps, such as undynes, gnomes, and dryads? And finally Im new to patreon. I decided to pay for the your character teir but ask for a unique because I dont really understand it. Is the “play your character” a scenario or what? And where do I go to talk with you on what I would like for it?

- True story, I had to google undyines and for ages I couldn’t work out what you were referring too as so many of the results were of that character from Undertale :D

Undines themselves would be no, but I do have a water spirit of a kind planned. (Still do!) Gnomes no, as I’m happy with Hakh Dwarven and the various Goblins as my short races. Dryads absolutely yes, and will be one of the advanced races. See the last Q&A for more details of those.

Thank you for your support! Those options are for those that want to play a specific character that isn’t available in the standard options or design a specific slaver that you can have in your encampment. If you want to see some examples of ones others have asked for before on the playable character front then Orc Wright Raptor, Lago’Mae Scholar or Goblin Underground Potioneer would be a good ones to look at to start off with.

As for the unique slavers then pretty much any of the slavers available under Strong Right Arm/Recruiter.

How much detail you want to go into is up to you. If you want to say oh I just want a Kitsune lady who likes to pole-dance then I’d put something together for your approval, or you can go full on detailing everything about them from their art, description, traits etc. and I’ll work with you to the point I’m happy having it as an option in the game. (Note: If you want an entirely new race like the Golems you need to go for the lore tier given the significantly larger amount of work involved)

For discussing please send me a message on patreon and we can take it further from there.

One thing to bare in mind is that patreon only charges at the end of the month, and so while I’m more than willing to talk it out, if you want to me to do a lot of work on your request I’m going to need to see a pledge go through first. It sucks I know, but this is the unfortunate reality of the internet that alas trust can only go so for.

I’m always happy to discuss things though, I really am, and some people have asked to pay some of their pledge upfront via paypal to get round this which is not a problem if that’s what you want to do.

valhallaimmortan from Q&A #47: I managed to get a elven smith who makes fancy armor that is usually masterwork quality, and equipped my ‘Basher’ Squad with it, the Basher’s are all Ogre’s who I recruited and I have a alchemist who seriously creeps me out with how many petrification potions he has been pumping out. I also like the Lago'mae Scholar how now the Lizard man is using her as his new project… poor Scholar… and I got to ask is it actually possible to recruit a keldan from the keldan mission in the city?

- I love this question, absolutely adore it, and you made the patron who requested the lizardman unique really happy when I mentioned it to them. If people want to send in their favourite/amusing/interesting slavers/slaves that have resulted from generation and gameplay I might do a tumblr post series on them called ‘Tell me about your Character’.

As to the question yes she should be on the critical result.

Anonymous from Q&A #61: Silly question. For clothing and armor, what in your mind is the major difference between micro, and impractical? I can’t really visualize a difference between the two when reading armor/clothing descriptions. Scandalously short is divergent enough that it creates its own image for me. The other two seem as if they would be interchangeable, but they aren’t since there is a distinction so what is it?

- Yay silly questions are always the best questions. Okay micro is where you have outfits that are recognizable bits of clothing but it’s incredibly brief so a skirt that’s more a belt than actually trying to cover anything whatsoever and/or a bikini top so teeny-weeny that it doesn’t even cover all of the nipples. Completely impractical though is the kind of clothing beloved by a certain kind of fantasy art which just doesn’t make any kind of sense whatsoever where looking good trumps any pretension of realism, and the only way it could stay on is either with copious amounts of glue or magic being involved.

Anonymous from Q&A #66: Hello again! I’m the guy who asked about the post-slave [slaver] titles. I’m going to very respectfully push the idea that ex-slaves should get unique titles. First, I honestly think having the unique titles is cooler. It’s more interesting to send a Chosen, an Acolyte, and a Hedge-Witch on an assignment than it is to send three Slavers. It’s a rarity thing, sort of? If you get a character who qualifies for one of those things, it’s a BIG DEAL. Secondly, it already changes with jobs, so…

- Alright, alright, you’ve twisted my arm :)

That should now be included for the most recent update along with a couple of new titles so that all of the more rare traits (not counting crafting ones) should have one. Let me know if there’s any issues as while it was a fairly straightforward change I didn’t get a chance to test that particular bit.

Thanks for reading and here’s to another hundred of these.

#Q&A #meaningless milestones

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numberonetrashcollectorus-blog · 6 years

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Obama is guaranteeing affordable health care for the uninsured?

So far they don't have any proposals to lower the cost of health care. So he must be saying the government will be picking up the tap to make health insurance affordable for all of the low income, no income, the elderly, & the uninsurable. This will be a staggering amount of money. Do you trust him to pull this off?""

Auto insurance company wants to check my credit and past infractions.?

My auto insurance company (which i've been using for 6 months now) wants to check my credit history and past infractions in order to benefit from new lower rates i have good credit, but a couple of speeding tickets, could this actually increase my rate?""

What is the diffrence between the full tort and limited tort auto insurance?

i have just moved to nj from england and im trying to get insurance on my range rover i have just bought here but your insurance is totally diffrent to ours what is full tort and limited tort (etc) on progressive i can get my range rover insured for $200 a month but then it says recommended $450 and plus package $570 we dont have these diffrent packages i have no idea what bodily injury is and it goes on about all these thousends of dollars on property damage and lawsuits and uninsured its all so confusing can someone please help and break it all down im only 20 but im 21 tomorrow i moved here in april this year so i dunno if it will be cheaper when im 21 tomorrow i know it drops in england when your 21 but im not sure about here any advice would be appreciated thanks p.s love the country :)

""What do i do if i need to see a doctor, but dont have insurance?

i need to see a doctor but dont have any money to pay off future bills. what can i do? i live in nh. are there temporary insurances that are affordable? should i just go and not pay whatever bills they send? will i get denied if i have no insurance or any means of paying the medical bills?

Can AAA raise my Homeowners insurance rate by $300 for the next 3 years?

My property was stolen from the backseat of my car. AAA is saying if they pay out more than $750 (including my co-pay) then my Homeowners insurance will be raised by $300 for the next 3 years and it will be a point on my property. Is this right/legal??

How much would it cost to have insurance on your license?

I live in Washington state. I was wondering how much insurance would cost if it covered my licenance so i can drive any vehicle.

How much my car insurance is likely to cost?

I have just passed my (UK) driving test and is considering getting a car, but I need to budget first see if I can in fact afford one! I am female, turning 26 in a few months time. I will want to get a small, second hand car - would like a Ford Fiesta (1.2) or Honda Jazz (1.4) or VW Polo (1.2). Would want to get a car under 3000. Does anyone know roughly how much my car insurance will cost? I think I will take the Pass Plus course as well once I have decided to buy a car.""

Columbus New Jersey Cheap car insurance quotes zip 8022

Does car insurance need to match the titled owner of the vehicle?

I am borrowing a spare car from my mother for about six months. Do I need to go through the process of transferring the title to my name, or can I just put insurance on it under my own policy and be okay legally? BTW, I live in Texas.""

How would I insure my drivers license?

Hi, I live in Maine and was wondering if its possible (if at all) to insure my drivers license. I don't have a car but live with people who do, it would cost to much to be put on their insurance. So is there insurance out there for just a drivers license so I can drive someone else car.""

Why is the co-pay for dental insurance more expensive than health insurance?

I compared the co pays on several reputable dental insurance companies and it is very expensive. Many things are not covered, even with the best dental insurance. Health insurance is usually a 10 dollar co pay for primary physicians and a 35-50 dollar co pay for specialty physicians. Is there any reason why dental insurance co pay is as expensive as it is?""

""Car insurance cheaper in New Orleans, LA or Suffolk County, New York??""

My daughter recently moved to New Orleans, LA as an intern temporarily....does anyone know if automobile insurance, all things being equal, will be more expensive in New Orleans, Louisiana or Suffolk County, New York ??? much thanx all""

WILL MY CAR INSURANCE BE HIGH?

I'm 18, from california, and ive had my license since i was 16. I currently drive a 04 volvo and im planning to get a 2012 or 2013 chevrolet camaro LS. The plan is to trade in my old car but my mom is complaining that my insurance will be like $300 or more a month. Is that true? I have safeco btw thanks""

0bama: You can keep your health plan. Why will MILLIONS of Americans lose their health insurance?

. If you like your health plan, you will be able to keep your health plan. ~ Borat 0bama President 0bama repeatedly assured Americans that after the Affordable Care Act became law, people who liked their health insurance would be able to keep it. But millions of Americans are getting or are about to get cancellation letters for their health insurance under 0bamacare, say experts, and the 0bama administration has known that for at least three years. 0bama administration knew millions could not keep their health insurance http://investigations.nbcnews.com/_news/2013/10/29/21222195-obama-administration-knew-millions-could-not-keep-their-health-insurance""

I have a Suzuki GS500 now & want upgrade. What is the cheapest sportbike on insurance 1998-2006?

Thinking of maybe a Yamaha R6 or R1, Ducati Monster, Buell Firebolt, Kawasaki Ninja, Honda 599 or 919""

Good Cheap car insurance?

Im 16, Im getting my truck and my license in september, and I was wondering what car insurance companies I should look in to? I could be added onto my parents plan but it would be pretty expensive, I was wondering if there's a cheaper option? what insurance do you have and why? thanks!""

Can paying monthly for car insurance increase credit score?

I was just wondering if I pay my monthly insurance bill if my credit score would go up? I am trying to build my credit score after having a real bad score. I know that if you have a recurring payment it will increase the score, but does that include car insurance? I have the money to pay my insurance for the year all at once (birthday present) but if it helps my score to pay monthly, I'll just keep the money in my account and pay monthly. Thanks!""

How much would my insurance most likely cost?

I am 16 years old, do not have a license yet, but I am trying to find a good insurance company first. I have had my learner's permit for 14 months, I live in North Carolina, and I get pretty good grades (As&Bs) I would be on an insurance plan with my mom and sister. My mom got a DWI back in July (No one was hurt, but she was originally pulled for reckless driving). My sister got a small speeding ticket a few months ago, but it was dismissed. I would be sharing a car with my mom to drive to school (she works at home). It's a 2004 Hyundai Sonata, and she owns the car. I would be driving every day (probably 3x a week) and no more than 15 miles to school and back. Please help! any any car insurance company recommendations would be great too!""

What is the best insurance company to work for?

I'm 19 and i have also thought getting into sales would be exciting. there is other reason but doesn't really matter. Anyway I'm hoping that there is a good Insurance company that has a good training program and allows entry level people to work hard and succeed. A company that wants people to succeed. So far every agent i have talked to has said their business is the one to be in so i just want some not so bias opinions. seems like all the insurance companies just want to get UN knowing teens ( like myself ) in and work them for 6 months to a year and suck them dry of all the money they have. i understand that you have to work and its not just six figures in the first year.

What car insurance providers are NOT on comparison websites?

Why is my car insurance quotes so high?

Hello, I'm 17 years old and have just pasted my ful uk license and am looking for a car and insurance. The car i want is a vaxuhuall corsa 1.0 litre 3door. My friend has a 1.1 litre and his insurance is 1,200 with his dad on it. But when i look with exactly the same details (locked garage, mileage, etc) with my dad on it (i also entered my friends post code to see if there is a difference) but the cheapest quote has been 4400. Help?""

Why are the big insurance companies so much cheaper?

I am getting off my parents auto insurance and getting my own. The Quote from the agent my parents use who is local to the area was nearly two hundred dollars more per year than the quote i got from progressive. Is there a reason to use a local company? he tried to sell me on customer service but i only deal with my insurance company maybe once or twice a year so i'm not sure that its worth $200 to me. Is there a reason to use a local company?

""What is a good Car Insurance Company. Im in my early 20s, not the greatest driving record.?""

I have had a few speeding tickets, no insurance tickets, ect. 1 accident 6 years ago. I just need good, cheap, liability insurance for my fiance and I""

What is the best low cost health insurance for a small business owner with no employees?

I have two daughters, one fifteen years old in high school and the other is 21 and a college student. I am a 49 year old woman and in fair health. My husband is a Vietnam vet in fair health as well and will be eligible for medicare this year, so he will not need this insurance.""

How much does it cost to visit ER without health insurance ?

Just wondering since I visited a hospital's ER couple weeks ago . Have not received any bills yet , I'm 26 yrs old , have a health insurance from blue shield california but the plan has almost $2000 copayment that I have to pay before I can take any benefit ... I visited the ER , did a X-ray , talked to a ER physician ... and that's about it . anyone knows how much I might have to pay for the visit ?""

Which is the best dental insurance?

how do i purchace individual dental insurance and which provider is the best. i have Metlife dental through my job and i thought that i was fully covered only to find out that i have a 1000 dollar limit every year, which is like absolute nonesense, just a visit to the dentist with no work done takes about 250 dollars. i need to have a root canal and a crown and its goin to cost around 4500. please help i live in houston,texas if that helps""

Explanation for Insurance quote in Oregon?

Hi folks, I just moved to Oregon from CA. I got a quote from State Farm which suits my need. I just got a quote from an agent. She mentioned something like this in the quote. I have me and my wife as drivers. Automobile liability with W/P $25000 50/100/50. I mean to ask what does W/P $25000 mean? Is it mandatory to have PIP in Oregon? Thanks for your help.""

""Health insurance, deductible or no deductible?""

I'm looking at the Blue Shield of California Active Start 35 plan for me and my 2 year old son. It's going to cost around $200/month through ehealthinsurance Here's a link: http://askoleg.com/Blue_Shield_Active_Start_Plan_35_ppo.htm The plan features: No individual deductible Annual Copayment Maximum $7,500 Annual Physical Exam, Well-Baby Care $35 (Not subject to deductible) Laboratory, X-Ray, Major Diagnostic Services 40% (Not subject to deductible) Physician Office Visits $35 (Not subject to deductible) I do not have insurance at the moment and my son has a PPO with Anthem and a $1,500 deductible with almost the same listed here. The only difference is there is no deductible with the plan above. I'm really in need of some help, if anyone can give me good advice, I would appreciate it very much!""

What will happen when I lose my insurance?

I'm 19 years old, and i'm currently receiving my dads insurance. He is on blue cross blue shield, and I can use his insurance until i'm 26 as long as i'm in college. Well...I'm moving in June and I will be taking a break from college. I'll also be moving out of state in which case I have no clue if the insurance will cover me there. I haven't done jack squat with signing up for my own insurance because I also have a health care card through the state. When I move and I lose my insurance how do I go about signing up for new insurance? I'm planning to get insurance through an employer and sign up once I finish my first 3 months. I don't mind being without insurance for a few months because i'm getting all of my health care/vision/dental done right now. I heard that the Affordable Care Act has deadlines and that you won't be able to sign up for a plan until 2015? Also does that mean I'll be fined for no longer having insurance? I'm so confused.""

Are young adults covered under their parents health insurance till 26 under the new Obama law?

Is it true that the new Obama law states that children/young adults will receive health insurance coverage until they are 26 even if they are not in school, married, and living out of ...show more""

USAA auto-insurance discounts?

Does anyone out there have USAA for car insurance who ALSO has banking through USAA? I've been told by USAA that if I did have banking with them that I'd get a discount on auto insurance as well, but they can't tell me any specifics as to how much of a discount. If it's only gonna save 10 dollars or something I'm not gonna mess with it. Anyone out there able to tell me a decent estimate on how much I might save or how much they save?""

Whats the best motorcycle insurance in ottawa for an 18 year old?

Insurance for 250 Ninja?

I will be buying a new 2011 Kawasaki Ninja 250. I'm 18 yrs old. We will pay the bike in full..... How much will be my insurance on this bike? thanks

Columbus New Jersey Cheap car insurance quotes zip 8022

Where can I find the cheapest car Insurance in NJ?

I trying to find insurance that is not not less expensive does someone know where I can go to get this?

Can someone please explain deductibles and coinsurance for medical insurance to me?

I'm getting health insurance for the first time on my own, so I really don't know anything about it. I tried having the woman from the insurance company explain it, but it still makes no sense to me. If I have an annual deductible of $2,000/$4,000 and my out of pocket max is $4,000/$8,000 what does this mean? And my coinsurance is 20%?""

Car insurance so high?!?

I'm 17 and I've been looking at quotes for when I pass my driving test. I'm currently paying 1000.00 on provisional for a 1.3 Fiesta worth half that value.....The cheapest car insurance quote WITH pass plus too (which I plan to do) is 6,181.28. My car is worth 590 quid, I'm not a boy racer, and I don't stick pointless spoilers and all that shite on my car either. I used Compare the market for these quotes, is there anywhere else I can go to find quotes? also, is it illegal that I'm supplying false information, like saying I've passed my test etc. I'm only doing it to get a vague idea of how much lottery winnings I need to afford it....I mean who's stupid enough to pay 6 grand for a car worth a 10th of that.....""

How much average premium for Car insurance....?????

i need some basic info... about car insurance..in NJ STATE... record is clear and 3 years exp....need to know average range... Most of people paying.......

Co-op smartbox for young drivers?

I am 18 and considering going through the co-op box scheme for young drivers. Everything about it looks great (I've gone from quotes of 6000+ to 3000!) but there's one area that concerns me - I can't imagine I'll be confident enough driving any time soon to be a wreckless driver, but I intend to go on holiday around Scotland with my friends in the summer where I'll be driving for a long time. I was wondering whether this might affect my insurance premium. So for example if I drove around 5 hours a week, consistently, for a few months, and then went on a road trip and drove for 30 hours one week, would this raise my premium? I ask because on the quote page it asks for how long I'll be driving on a weekly basis. Do any current customers happen to know whether they care at all? Thank you in advance! :)""

Would my insurance rates go up if i switched banks?

I have USAA and we have our home insurance and both car insurance loans, checking and savings through them, but we want to switch just our checking and savings to a different bank, would that effect our insurance rates?""

What is an average auto insurance cost for a sedan in Alberta?

I am wondering what an average auto insurance cost is to be suspected. If this helps I will be a 16 year old male driving a 2007-2010 Mazda 3 Sedan.

What is a fixed indemnity health insurance plan?

i am looking at health insurance and have talked to someone about a fixed indemnity plan. Its all so confusing. Is this a bad risk?

Farmers Insurance problem when changed from CA to OR?

Hi, I've had insurance in CA for 2 years and moved to Oregon recently. I had my insurance tranferred with an useless Farmers Agent in OR. The thing is I already paid my 6 months premium in CA which is covered me until 06/2009. I paid nearly $450 for until 06/29. I've had quite a few discounts in CA but the jug-head agent in Oregon, not shifted any discounts to Oregon automatically. I got a bill for next 6 months from that agent saying that I have to pay $1000, since I haven't lived in Oregon for long enough. Jeez!!!. It's almost a $600 rise in my insurance that too I haven't had any claims or ticket in my last 5 years. I went to meet him in person but he told that's all he can do it. He didn't look my CA policy/discounts too. Then I told him, I can get $500 insurance anywhere else. But he challenges me if I could get something like that. I haven't approached any other insurers yet. Is it anything like insurance history or something like that maintained nationwide or in Oregon? Does he threaten me based on somre record? Can I get some decent insurance from someother insurers/agents? In CA I've never paid my 6 months permium more than $450. I'm the only driver for my car and the car is 8 years old. I've never claimed from any insurance till date. I neither had any speeding tickets elsewhere. Can I get some insurance for some decent rate If I shop around? My farmers insurance expects to pay the additional premium in a week else my policy with farmers expires. I dont want to meet someother farmers agents. I wanna get out of farmers and go with someone else. Can I get some decent insurance in a week?""

18 Year Old Sporty Car Insurance in Toronto?

Hi, I was wondering if anyone could tell me an approx. cost per year for an 18 year old to own a fairly sporty coupe from around 2009 living in a busy area of Toronto, ON. I know it will be really expensive, but I am planning on buying a car. Thanks! :)""

Who provides the best Renter's Insurance in California??? What is Renter's Insurance Anyway?

Hello... I am new to renter's insurance. Does anybody know a good website that I can do research??? Generally what does renter's insurance cover??? Thank you for your answers!!!

Question about car insurance.?

So I have a question, If I use my fathers car would he have to register his insurance on my name also? Or will it not matter since the cars registered in his name? Just in case anything happened. Just wondering.""

""Is it just me or when you start searching for online car insurance renewal quotes, a month before the date, do?

the quotes you get go up and up each day? I've got 5 days to go and the cheapest quote I am getting is 80 more than the cheapest quote I was getting at the start of October...is this usual?

How much would a private insurance agent make in Connecticut?

As in selling every company's insurance and working from home.

How much does Geico car insurance cost?

If you are stopped for an uninsured car does this affect yor insurance premiums?

I was stopped for an uninsured car and they towed it. Does this affect my insurance premiums? How much is the usual fine for uninsured,unregistered and invalid inspection sticker? I did not get a sticker when I registered it in my name. Are there any other issues I may have to deal with before I register again?""

Is there any way I can avoid paying car insurance for 2 months?

I'm going to the east coast and my car is just going to be sitting in my garage for 2 months. Is there any way I can avoid paying for insurance? I live in CA.

How much does liability insurance cost for auto in TX?

Car insurance for a new driver?

So I am doing my driving lessons and thinking of a car, I'm 19 and will be 20 when I pass and I have been looking at cheap 1L/1.1L cars to try and get cheap insurance and I have googled cheap cars to insure and checked them out yet the cheapest insurance I have seen is 4,500 and I was wondering if that sounds about right even for a 1L 206 worth 800 if not where should i look for insurance I tried go compare, money supermarket etc""

An insurance question.?

I have been with Farmers insurance Co. for over 20 years. I did some shopping around with Geico (only). They quoted me there identical coverage cost. It was almost $1,100. savings to me. Other than this great advantage...and my question(s) is/are... What would be my disadvantage (if any) if I go ahead now and switch to Geico? Are there hidden agendas that might hurt me by switching to them that I or most of the public do not know?""

How much will my idiot speeding ticket affect my insurance....?

I recently made a horrible choice to accelerate to 92 km and got a ticket for forty km over. Im with state farm in ontario and am wondering how much my insurance will rise consisering im a g2 driver. i currently pay 1800 a year and have.heard it will hit about 2600. Anybody have a knowledge of ths ? I need my car to commute to school and yesss i ****** up.. this is my first offence ever...

What does it cost to get registration and tag for a 1992 thunderbird? also insurance a month?

i am 18 years old and this is my first car...

Do I have to register my car and change my insurance if I am an out of state student in California?

My insurance company told me that I do not need to change my insurance since I am a student living outside of my home of record address. Now, I keep hearing that I need to register and smog test my car in California since I'm currently living there while attending school. If I do such a thing, does that not mean that I will have to change my insurance to California rates? I do not plan on residing in California post graduation, does this make a difference also? Someone please help....""

Do my parents need to inform our home insurance company about my uncles car?

My uncle is a car collector and for the past 15 years he has been keeping one of his vehicles in my parents garage. We're not sure whether he has insurance on that car. Are we required to inform our home insurance company of this fact? What if it turns out my uncle has insured the vehicle, would we still be required to?""

Does an expired MOT invalidate insurance when making a claim for my car stolen from a private driveway?

I had no idea that my mot had ran out, when my car was stolen from a private driveway (not on public road) My insurance say i was in breach of the policy. But where do i stand legally with the car being off road when stolen? The insurance quoted no payout if there's no mot when one is required by law! Is there a loophole i can use""

Columbus New Jersey Cheap car insurance quotes zip 8022

I have recently ordered a wind turbine. Any recommendations for insurance?

I ordered a use wind turbine from Germany. I was wondering if anyone had any experience doing this and where is a good place to get insurance. I found these guys through Google thoughts? http://www.northernalliance.co.uk/wind-turbine-insurance/

Home insurance Vs Common insurance in Condo's?

One of the listed property I am interested in has an assessment fee of 280 which includes common insurance,exterior mant,snow removal. What is this common insurance ? and do I need to still take home insurance personally ?""

Can you buy Insurance to cover accidental injury only?

My kids have no health Insurance. Can i buy an Insurance which can cover them only for accidental injury caused by fall or skate boarding?

Pay As You Go Insurance! Where can I get it? Cheap Insurance!

Hey people Basicly im insured with Admiral under third party fire and theft. Im doing their 10 month insurance thing which equates to 1 years insurance after the time. I was insured with them last year the price was 1090, this year its gone up to 1250 (had an accident which was my fault). Im paying monthly which has increased it to 1550. Im paying about 150 a month. My question is, where can i get cheap insurance from? Preferbably Pay as You go type. Has anyone done PAYG insurance before?""

Do you need car insurance to rent a car in Massachusetts?

I have insurance for my own car but will Hertz rental make me pay for their auto insurance? Can i just say I already have insurance even though I don't know if mine will cover me in case something happens? I have the least amount of coverage you can get in Mass and I use Commerce Insurance.

""What can i do? i am a 20yr old male, living in southern california with no job or insurance?""

i went to the hospital a couple days ago for chest pain, ended up being fine. i got the bill today for 15,000 dollars. like i said i have no insurance or job and currently living with a friend. i do side jobs to pay a little rent and for food. do i qualify for medi cal or CSM? i move from friend to friends house. parents live back in Illinois i have only a brother that lives out here. is their anything i can do to get this bill to go away? i also have no car or own anything of significant value.. no bank accounts.""

Can someone stay on there parents insurance until they are 26?

And do they still have to be in college.

Switching car Insurance companies?

With lower rates given by other insurance companies, wanting me to switch. What is the catch . My current company says watch out for hidden fees and their drop clause. . Is the coverage the same? May be dropped or hugh increase after a claim.Been with current co. more than 10 years. Looking to save some money.""

Which is the Best Health Insurance Policy available for Individuals in India?

So far I have learnt that LIC health plus is a pretty good policy. and http://sunilrams.blogspot.com has really given in detail the comparisons . Are there any better policies in the Indian Market for individuals.

Where can i get cheap car insurance?

Car insurance? Who is covered? Who is responsible?

Okay I had a question about car insurance... I am on my grandfather's car insurance plan- I live with my boyfriend. I believe I am the only one insured to drive the car....My boyfriend's mother and step-father don't have a car right now and often times ask to borrow my car- I've been letting them until it was brought to my attention that they may not be covered in that car? Does this mean I would be responsible for anything that happened? Or would they? If another car was at fault for the accident what would happen? Anyone know how this works?

I want to buy a moped in california?

I want to buy a moped under 50cc in california, and I am 15 with a drivers permit. Do i need a license to ride a moped under 50cc? Also, would i need insurance, or a license?""

Why is car insurance compulsory here in FL?

I own my car. The cheapest car insurance (only) cover $10k on damages which is called PIP insurance and it is required by law. If the PIP insurance only covers $10k on damages, and I have more than 10k dollars on my bank account why in helllllll do I have to give my hard-earned money to these moth*rfu(kers? Sorry for my temperament but I need a clear explanation or this. If I am willing to give those $10k to my car insurance which is the only that they cover on damages if I crashed, why wouldn't they accept the dial and stop charging me monthly in my whole life? and return me those 10K when I stop driving?""

Just a quick question about life insurance ?

My mom had two life insurance I think one was with her job & I found another with Hartford life insurance for sick pay. Do you get to have an beneficiary on a disability check or sick pay check?

Cheapest car insurance in houston tx?

hello i need to find auto insurance that i can afford, i was wondering do they have one thats under a 100 ? well can you list me places that have the cheapest auto insurance""

Which is a better career..A realtor or A insurance agent ??

what the average income of a insurance agent?? who makes more money??

What do I need to add to my auto insurance policy to be considered full coverage.?

I have a car with Calif min. pl and pd. If I were to add a new car what additional coverage and how much would be considered full coverage and satisfy the finance company?

2 speeding tickets in 1 days! USAA insurance. Help Please!?

Ok, so as the title says, i got 2 speeding tickets in 1 day. Yes that was stupid, i know. I am really worried. one is a $205 fine, the other $110 both for speeding 15 mph over. I think it is possible to get defensive driving with one of the tickets because my last ticket was around 2 years ago. Thats the other thing. 2 yrs ago i got in a wreck, my fault and a ticket too + defensive driving. so with all that taken into account. do you think i will get dropped from USAA insurance or how much do you think my rates will rise? Thanks for the help!""

How much would car insurance be for a 17 year old on a volkswagen golf 1.9 GTI?

like the min price?

""If I am under my mothers insurance, will it help me in the future when I branch off?""

I am thinking about putting my first car insurance under my mothers name, but in a couple years I want to start paying it on my own. Will the fact that I was under her name help me a little with my rate? Or will it not matter, and the insurance company will treat me as a new driver?""

How do I go about getting insurance at 18? In WI?

I'm 18. I work two jobs unfortunately with no insurance or benefits! How can I get health insurance? I live in Wi.

Who are the best insurance companies for young drivers?

Who are the best insurance companies (in terms of low prices) for young drivers?

How much would car insurance cost for me(2010 camaro)?

alright...I am finally getting my car this summer! im turning 17...and im thinking about what car im going to get...im pretty settled on a camaro 2lt or one of the ss's. I was just wondering how much insurance would cost for that...since im so young and its a brand new sprots car...are there some companys that would be a little cheaper or would all of them be pretty much the same?

How can I keep my car insurance policy if I sell my car?

Is there a way that I can keep my car insurance policy active for a low monthly payment if I sell my car and plan to buy another one next year? I don't want to cancel my policy due to all the goodies I get, so cancelling will make me a new customer when I try to get insurance again. Has anyone experienced this situation before? Thanks.""

Can i getmy licence removed and get my vehicle inspected and get my car insurance on the same day?

ok here is the dilemma im a marine stationed at camp lejuene and im going back to new york in a few days. i need to get my license and my registration, inspection and car insurance in a few days(like 3)will my license go right into the system so i can go call my insurance company (usaa) and get insurance on it the same day then go back to the DVM and get the car registration. thxs kinda freaking bout this""

Columbus New Jersey Cheap car insurance quotes zip 8022

https://www.linkedin.com/pulse/kentucky-teachers-health-insurance-2015-christopher-anderson/"

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viralhottopics · 7 years

Text

On the brink of Brexit, voters reflect: I feel more strongly now. Let’s get out

As article 50 is about to be triggered, how do people feel in Smethwick, a Midlands town that voted to leave?

I moved to Bearwood in Smethwick in the hot summer of 1976. We were moving up, leaving behind the sixth floor of a block on the sprawling Lee Bank council estate for a house and garden in a safer area with large parks and better schools, a few miles from Birmingham.

I grew up there in the 70s and 80s, when there was optimism about our future. The colour bar experienced by a first generation of immigrants in the 60s, in some shops and the bingo hall, had been replaced by our own Why would I want to go there anyway? self-induced bar. The days when a Conservative party candidate could run, and win (in 1964), on the slogan If you want a nigger for a neighbour, vote Liberal or Labour seemed distant.

My mother is Jamaican and, like many of my generation, I failed the Norman Tebbit test completely. I didnt support any England team. I would rehearse long debates about how I might reject a call-up for the England rugby team, even if my ability meant that call would never come. Jamaica was great for holidays, but didnt feel like home: everyone there called me English.

So while I was always a Smethwick boy, I can still pinpoint the moment I first felt British: in 1992, when Linford Christie won the 100m at the Barcelona Olympics, this most Jamaican of men running around the track with the British flag. We had grown up hearing songs like There aint no black in the Union Jack; what Christies gesture said was, Im British: deal with it.

A mistrust of foreigners has been singled out as the driving force behind last years vote to leave Europe. But why did places where more than 50% of the population have recent origins outside the UK vote for a policy of exclusion? Smethwick is in many ways typical of the radical changes to Britains racial demographic since the second world war: in the 50s and 60s, Commonwealth citizens from the Indian subcontinent and the Caribbean emigrated here to alleviate job shortages, particularly in the NHS and transport. A large number of Sikhs moved from the Punjab to work in Smethwicks foundries. Later waves of immigration brought asylum seekers, students and workers from around the world.

When I was growing up, my white British friends liked the same music, played the same games and ate the same food as we did. We knew people who joined far-right groups; but the various gangs were largely multiracial, affiliated to the area more than anything else a loose Smethwick posse. There would be running battles with skinheads from Quinton and beyond; I cant remember a Saturday night that was not punctuated by someone being glassed or having a pool cue wrapped around their head.

Today Smethwick is home to a more diverse range of communities. It is still a relatively cheap place to live, so new arrivals often start off here. You will see Eritrean church services in Victoria Park, eastern European supermarkets on Cape Hill, a Ghanaian wedding at the community centre, alongside the more established Sikh temples and African Caribbean churches.

Speaking to Smethwick friends from white British and second-generation immigrant backgrounds, you hear support for Brexit from a diverse range of perspectives: there is the Fortress Europe argument (people of Commonwealth origin not being able to move to the UK, because preference is given to EU citizens); British Asian shopkeepers who dont like the Polish shops stealing business; an objection to the Thatcherite capitalist structure enshrined in the EU. Underlying all these things is a powerful revolt against what is perceived to be a self-serving political elite.

None of the second- or third-generation immigrants I met on a recent visit to Smethwick thought Nigel Farage would deliver a harmonious society founded on principles of social justice. But the supposed social justice champions, Labour, today have far less connection to the people they seek to represent than they once did. Todays politicians speak relentlessly about engaging and understanding these alienated communities. But even their use of the word community is loaded often based on race or religion or class, as if there were no diversity of opinion among them.

What does the future hold for Smethwick in a post-Brexit Britain? My more pessimistic side worries that inequality will increase, as the fight for a share of an ever smaller pie is orchestrated by a privileged few who use alienation, fear and loathing to divide and rule. But a bigger part of me is optimistic: a younger generation has always found ways of creating new relationships with other like-minded people, be they Italian, Irish, Ghanaian, Nigerian or Indian. It might feel claustrophobic at this moment in time, and Smethwick will struggle with the macro issues. But there are enough people there with goodwill, who want to come together, who will want to get on with it. Hamish Crooks

Theresa Robinson, 51, volunteer

Theresa Robinson and her son, Jacob. Photograph: Diana Markosian

My little boy and I moved here from Birmingham in 2009. I had separated from his father, and when I got here we didnt know anybody.

Smethwick is an interesting area because the diversity works really well. Everyone seems to get on where we live. But there are some negative aspects of multiculturalism. For example, there is no non-halal butcher around here, and I dont want to eat halal meat because they dont always stun the animal before they kill it I feel its a bit cruel. Ive had a row a few times with shops advertising places to rent, with signs saying Indian family wanted. I said, You do know thats illegal, dont you? I remember when they used to have signs up saying No Irish, no blacks.

My little boy is the only white English kid in his class, and they dont celebrate any English things at all. They didnt do anything for the Queens jubilee or birthday. I dont mind him celebrating Jamaica Day or whatever; I just wish theyd also incorporate English things. On VE Day, I took him into Birmingham to see the celebrations, because he has to celebrate his history as well. But he is absolutely oblivious to the fact that other people are a different colour to him. I think children of his generation are integrating more.

A lot of immigrants here say they dont want any more immigrants, but I havent heard many white people say they voted Brexit because of immigration. I dont know whether its because theyre scared of being accused of being racist. I voted Brexit because of all the money thats wasted on the EU. I dont think it will stop free movement and I dont think it means we wont have any trade; I just think it means well have a bit more control.

A lot of people have had enough of MEPs making so much money and not doing anything. Who can name an MEP, really? We dont seem to be getting any more rights out of it. Why not trim off all that excess spending and use it on things we do need? Theres a crisis in social care, and health services are being cut; the schools are constantly fighting cuts.

When you read about Brexit in the paper, they say, The people who voted for Brexit didnt know what was going on. Its hugely insulting to assume that just because were poor, we dont read newspapers and were all thick. Theyve got no concept of what its like to be poor, and how miserable people really are. I think it was a good result, and I think it taught the government to be careful what they wish for, because they did all this with no plan whatsoever; they were so sure remain was going to win. It serves them right.

Daljeet Singh, 40, painter and decorator

Ive lived in Smethwick all my life. My parents came from north India so my dad could work in the foundry. They were invited over, just like the Europeans were. Ive never had an issue with anyone thinking Im less British than they are. But when Punjabi people came here, they couldnt speak English, so they were victimised. Once my dad took me for a drink in the local pub and this guy at the bar started talking to him inappropriately, saying, Butbut dingding. I asked my dad, Why does he do this? and he said, Hes been doing it for years, its not an issue. I took the guy aside and said, Have you been taking the piss out of my dad for 20 years? He said, What do you mean? He never said anything. To this day that guy still buys me a drink in the pub, because he remembers that chat. I changed the way he thought.

Everybody I know voted leave. I voted leave because of my daughters, who are 12 and 15. They go to a grammar school and they feel held back because the foreigners coming into the school dont speak English well; it makes the classes go slower. It was also because Polish people are cutting off my work. Im a painter and decorator, and Im not getting the rates I used to because the Polish people are undercutting us. Thats the case generally in the building trade.

But Im angry that my parents voted out. Im very bitter about that. Its the hypocrisy of it, because they came over from India and they had an opportunity to integrate and they havent: my mum still barely speaks English. Theyve made lives and families for people like me, they worked hard; everyone else is just trying to do the same as they did. I think the way the Sikh community voted was hypocritical.

Sometimes I regret voting Brexit. In hindsight, without a shadow of a doubt, we didnt have enough information; it was turned into an immigration issue, which it wasnt, and as a whole were going to lose out. Other times, I stick by my decision. I need to think about where my works coming from.

Derek Craft, 80, retired factory worker

Derek Craft. Photograph: Diana Markosian

I moved to Smethwick in 1976, looking for work. I also had a pen friend here. We belonged to different divorced and separated clubs; I was the vice-chairman of the one in Portsmouth where I lived, and they used to have a magazine and she advertised for a pen friend. We were writing for two years before I moved here. We married in 1977 and were together for 39 years. She ended up having two major strokes, one of which should have killed her, but the hospital brought her round; I got another nine months with her.

Smethwick has changed a lot much of the old industry has gone. There were dirty factories, steel works and car component workshops; now theyre all new factories or houses, so in that way its better. Weve got more immigrants than whites. The shops are virtually all Asian, and the well-known ones, like Woolworths and David Greigs, are gone.

Its less British, because Ive found, working with some of them, that half the Asians dont want to mix. A very nice lad used to sit with us during the tea break, and he came in one morning and told us that someone in the factory had told his dad he sat with us, and his father had said, You are not to sit with them, you are to sit with your own people. It makes you feel, whats wrong with us?

I voted for Brexit because I think the common market has got out of hand. I think they waste an awful lot of money moving their offices once a month from Brussels to Strasbourg and back again. What were paying them is unbelievable, billions a year, which would do our own health service and schools good. Id like to see free movement from Europe cancelled. This country cant keep on taking people; the services cant cope with the influx, and there are not enough houses. When we won, I thought, Great, lets get on with it. I feel more strongly now. Lets get out.

Mohammed Jalal Uddin, 40, manager at a local training centre

Mohammed Jalal Uddin and family. Photograph: Diana Markosian

Ive been living in Smethwick since 2002, when I migrated from Bangladesh to study for an MBA at Birmingham City University. After completing my MBA, I managed to secure a job. Now Im living here happily with my wife and two children; my son is nine and my daughter is seven.

Smethwick has become overpopulated and there are more new faces, with a slight increase in antisocial behaviour over the past few years; the demand for housing has increased.

I had heard about that campaign slogan [If you want a nigger for a neighbour, vote Liberal or Labour from the 1964 local election], and that Malcolm X came to visit the year after, which is amazing. But to be honest, I dont think racial tension is a big issue now. From my experience, people do understand others their religions, their values, their cultural dimensions and characteristics. It could be an isolated judgment, but I havent seen the nasty side of community cohesion. People get along quite well, basically.

I felt Brexit was a protest vote, to show a lost trust in politics; traditional politicians are failing to deliver. People feel European migrants are putting unnecessary, undue pressure on public services, the NHS, school places, housing, and that if we come out of Europe that will ease the pressure. These are the day-to-day issues that people are fed up with.

I voted and actively campaigned to remain. I was really, really shattered by the result, because in the age of globalisation and connectivity, and at such a crucial time, this isnt the right decision. It is going backwards, and it was not an informed decision. The message were sending to the rest of the world is that were not open or collaborative. We dont want to work with other people: we are detaching ourselves.

Nine months on, I dont feel any more positive. Ive given up on trying to give reasons to remain because Im in the minority. But I know people who regret voting Brexit; they justify it by saying the politicians misled them.

Pat Peacock, 77, retired wages clerk

Pat Peacock. Photograph: Diana Markosian

Ive lived here my whole life. I was born in Hamble near Southampton, but my mother died having me, so I was brought here to live with my grandparents.

Smethwick has changed enormously. My road used to be full of bank managers and teachers, and there were no foreign people of any description. I remember seeing men wearing turbans for the first time when I was 10 or 11 and had taken my two cousins out for a walk. One of them said hello, and I said to my cousins, Run! because I had no idea: Id never seen Sikh people before.

My father was very racist but Im definitely not. The priest at my church is Nigerian and we have 22 other nationalities, people of all colours, shapes and sizes, and we all get on. The first foreigners who came were West Indians, and the others have come gradually. I consider them all friends. A lady down the road, Surinder, and I were once opposite each other in the hospital and weve been firm friends ever since. She called me when I came out, asked how I was and said, If you need anything at all, let me know and my family will get it for you. There are lots of kind people about.

I voted Brexit. I didnt vote for us to go into Brussels; I voted for the common market and I think we were cheated in that respect. We havent only got to trade with Europe, theres a whole world we can deal with. Im looking forward to getting back to how we were: running our own farms, being able to look after ourselves. Perhaps Im wrong but this is how I feel, that we werent told the full story back in 1975. We were just told it was good to be part of a common market; we werent told they would be ruling us. Im not really into politics, but the vote happened and I get cross when they try to reverse it. Now I think: lets just get on with it.

Taurai Chamoko, 44, salesman

Taurai and Catherine Chamoko with their children. Photograph: Diana Markosian

I was born in London. My parents were from Zimbabwe, although it was called Rhodesia at the time. We left the UK in 1977 to go to Nigeria. My dad was a civil engineer and had a job with the Nigerian government, building several highways. Towards the end of 1982, we went to live in Zimbabwe. In 1995 I moved to Brighton, where I met my wife Catherine, and in 2008 we moved to Smethwick with our month-old daughter.

I wanted to study mental health nursing at Birmingham City University, but changed my mind after three weeks. I didnt think it was something I would cope with emotionally. In 2009 I started a course in International Business and Economics at Aston University instead. We had three other children (they are now eight, seven, four and two) and they all settled in school, so we stayed. Ive spent the majority of my life in this country, and I am British.

The main change Ive seen here is the people coming from Poland. I dont think theres a lot of tension between the different communities everybody just gets on. What I worry about is the self-imposed segregation, these monocultural ghettos that are springing up: Pakistanis in one area, Polish people in another, white working class in another. It seems everybody is more comfortable with people who look the same as them, which is quite sad. Whether thats a conscious thing or if it just happens naturally, I dont know.

I was shocked by Brexit. I voted to remain. At university I learned to critically analyse things, and I was always arguing against the leave campaigns points of view. Usually when theres an election, I stay up late to find out who my MP is going to be, but this time I was confident we would remain. It was a big surprise. When I spoke to some of the parents at my childrens school, most had voted to leave. I was surprised and upset.

My point of view hasnt changed. It doesnt make sense to me that people want to leave the biggest market, then try to negotiate a good deal within that market. But I have accepted it. Its democracy, right?

This project was created in partnership with Magnum Photos. For more pictures go to Magnum Photos