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#short period car insurance
briancampbell0706 · 3 months
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1 DAY BUSINESS CAR INSURANCE | 1 DAY INSURANCE FOR LEARNER DRIVER | 1 DAY INSURANCE FOR NEW DRIVER | 1 DAY LEARNER INSURANCE | SHORT COVER CAR INSURANCE | SHORT PERIOD CAR INSURANCE | SHORT PERIOD VAN INSURANCE | SHORT TEMPORARY CAR INSURANCE | SHORT TERM BIKE INSURANCE | TEMP BIKE INSURANCE | TEMP COVER FOR YOUNG DRIVERS | TEMP COVER INSURANCE VAN | TEMP COVER LEARNER DRIVER
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Get the flexibility you need with temporary car insurance from Tempcover Now. Whether it's 1 day business car insurance, coverage for learner drivers, or short term van insurance, we've got you covered. With options for new drivers and young drivers, our short term policies offer peace of mind for any situation. Explore our range of short cover car insurance and temporary bike insurance solutions tailored to your needs. With Tempcover Now, you can get the coverage you need, exactly when you need it, in the United Kingdom. Visit us at https://tempcovernow.com/temporary-car-insurance/ to find the perfect temporary insurance plan for you.
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spinebuster · 8 months
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besties how do you ask for help lol
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from-izzy · 29 days
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[01:34] | nct na jaemin
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Your ceiling fell.
pairing » nct na jaemin x gn!reader (lmk if i missed anything!)​
trope/au » ​established relationship au!, non-idol au!
genre » boyfriend na jaemin who picks you up even though he's tired, summer is annoying to the reader (sorry, i'm really hating summer rn), fluffy fluff with a tinge of angst, clothes stealer reader!, but you never end up using it because you got too tired and fell asleep, i love na jaemin (can you tell?), reader is the little spoon, jaemin is so caring and cute (i'm in love with him), jaemin brushing his hand through your hair
word count, estimated reading time » 2496, ~9 mins
warnings (lmk if i missed anything!) » jaemin is taller, outside clothes on the bed (i don't do this but it's cute here 😭 forgive me), oh...it's not proofread 😭
navi/masterlist!! 🤍
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recently went back to my wips and found bits and pieces that could work together and meshed them together as best as i can 🤣 just whipped up this little thing whilst i was at it hehe
also, not going to be specific but will you believe if i said that this is based on a (my) true story? 🤠 it's been...messy 🤠 to say the least.
thank you for proofreading (when you're supposed to be focusing on school) @cupidjyu !! 💕
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Your ceiling fell.
Well...
To be exact, there isn't a hole that lets the spiders and birds able to look down and see the base of your kitchen sink but when the inside surface of the roof fell, so did the insulator that kept the house warm during the frosty winter, and cool in the scorching summer. Because of the unstable roof condition, your whole family was wary of putting the air conditioning system on. The vibration from the machine and the sound waves themselves may be the little push it needs to send other parts of the roof crumbling.
You hate the hot weather so much.
In this period of the summer, when opening the windows was barely an option as it also let the heat through, it has been hard even to do anything remotely productive. With every move of your body, it generates heat and energy, which when mixed with the thirty-five-degree heat, all you want to do is lay on your bed and let the sweat evaporate off your skin with the help of your tower fan. That's how the mornings would go. Sometimes when you're not too tired from the previous day's work, you would go and take shelter in the library, turning confused heads when you would be wearing a jacket as overtime, it became too cold. 
The worst thing is that there has been no word from the insurance company or the people who could help to fix the hole in your ceiling. Unfortunately, it did fall during the peak holiday season but at this point, when it’s no longer the festive season, no one in your family understands what’s going on with the back-and-forth messy conversations to fix the issue. 
The past three months have been full of frustrating calls to your boyfriend but Jaemin has been picking up your phone call at the second time his ringtone rings, greeting you with that emphasising smile of his as he sees the layer of moisture on your face. At first, you tried to give him the best smile you could, but you eventually broke down after the first month, completely done with changing your clothes every day in every hour. Jaemin, though busy with his own responsibilities, never fails to take you out whenever he can, accompanying you in your aimless night time walks or accompanying you to the library where he would start reading a random book while you snooze on his shoulder. 
Today is one of the nights where you can’t handle sleeping in the house, too hot and uncomfortable for your eyes to even think about closing. You guiltily text Jaemin, asking if he’s able to have you over and within a few minutes, the black-haired arrives at your house, air conditioner blasting in his car and a genuine smile greeting you as soon as you step in. He waits outside his car with his oversized shirt and short pants; his usual summer attire. He kisses your frown away as soon as you rush into his arms, dropping your bag of clothes to the floor. His affectionate gaze for you grows, cupping your cheeks in his hands to hush you from the apologies that you would say for going out so late at night even though you insisted that the five-minute walk was fine to do.
“No,” Jaemin juts his lower lip to you adorably. “Not letting you do that!” He presses another quick peck on your lips that makes your cheeks heat up and makes you a stuttering mess. “I’m hungry! Let’s go grab some food first!”
You let out a knowing chuckle, shaking your head at him fondly as you know that just means another movie night that will go on until five am. To Jaemin, this is the best kind of date: the one that is unplanned but is planned at the same time. With the way that you’re literally having the worst summer ever as well, all he wants to do is to make sure that at least when you look back on this summer, you will remember his air conditioner blasting in his room. Bonus, the later you sleep, the more time you’ll have in a cooled, comfortable and private environment. 
But you know deep down, that you will always remember his warm, kind heart first out of all. 
With hands full of takeout from the nearest fast food to his house, Jaemin talks you through his list of movies that he wants to check out before you both fall asleep. He was so excited that he nearly missed the step up to his room, almost waking up the whole house with how his body would tumble down the staircase otherwise. But oh how much he would if it meant that you wouldn’t be crying on the humid, summer night.
"It's perfect, Jaem." 
You comment when Jaemin asks you about the temperature of his room and he gives you a relieved look, smiling in satisfaction to know your thoughts. Jaemin starts to unload the snacks in his arm on his study table, prompting you to do the same. He turns his sleeping laptop on, waiting for his device to start up.
In the meantime, his attention falls on you once more. "You must've been overwhelmed." His arm spreads open, silently asking if you would accept his gesture.
All you gave was a quiet hum and it momentarily worries him before you step to bury your head into his broad chest. You sigh into his perfect body temperature that balances the coolness trapped in the four walls. The corners of Jaemin’s lips rise as he starts shifting his body side to side, giving the hug a little more dynamic and comfort as he starts to sing your favourite tune to your ears. His fingers rake across your hair, not minding the whines and complaints you gave about how your hair is disgusting and oily, even pressing a kiss to your scalp to ease your worries. 
Your arms start to find home around his waist and your palm grips the fabric of the shirt even more, feeling eternally thankful for having a loving person in your life. A mutter, “Thank you for all this.” Your voice trails off, eyelids heavy and honestly, quiet snores could leave your lips at any moment now. 
“Always, bubs,” he muses back. “Maybe we can skip the movie night today?” 
The suggestion pulls your lips into a sour smile but you can’t hide the drowsiness in your system after getting small hours of sleep for the past week. “We have food.�� But truly, it’s nothing that food can’t fix.
A raised eyebrow meets you when you slightly pull back to see the reaction on Jaemin’s face. “Food and horror movies.”
The shared favourite genre makes you break out into a genuine smile, excited for the movie marathon cuddled up in his bedsheets and the smell of food as you both expose yourself to the light from the computer until the sun replaces the moon. Jaemin watches you excitedly walk back to the door of his room where your bag slumps over on the wall next to the frame. 
“You don’t want to wear mine?” The suggestion is said with a smirk from him and your hands stopping to unzip your bag halfway. “Guess not!”
“No! I do!” You drag the last syllable out and when you turn to face him once more, Jaemin only lets out a teasing smile. “Let me steal!”
Indeed, Jaemin already has everything prepared for you, tilting his chin to his bed where some of his and your favourite hoodies are spread across the duvet. You spot the emerald green one, immediately jumping from your kneeling position on the floor and making the neat pile topple over at your eagerness. 
Jaemin feigns fake offence and an exaggerated gasp, “All my hard work!” He weeps to which you just roll your eyes as a response, continuing to take out your shower and night necessities to prepare for the night. 
“Alright.” A heavy sigh follows after, “I’m going to sho—”
But before you could take another step towards the bathroom, a pair of arms pulls you backwards, your back colliding with a chest that you know all too well. You can’t see the expression on his face but another thing that you know about Jaemin is when he leans down to press his cheek on yours, humming once more into your embrace, his cheeks are painted with hues of red and pink—his love for you overflowing from the simple back hug gesture.
“What you doing, Nana?” It deepens his blush, melting with how the nickname naturally sounds lovelier coming from you.
“Just go brush your teeth and shower in the morning.” He mumbles against your cheek. “I want to go on this movie marathon with you right now.”
“But you hate it the most when someone lays on your bed without washing up.” 
That’s also true. He does hate that a lot. 
The idea of outside germs reaching the place where he would be closing his eyes and be in another space for hours never fails to bring a scowl to his face and he always makes sure everyone who visits his space is aware of that fact.
But it’s you—and Jaemin loves you more to overlook that fact for a day.
“I’m planning on changing the sheets anyway.” He shrugs his shoulders nonchalantly, “Plus, I literally get grease and pieces of chocolate on there anyways so I think I may need to change my mindset about that rule now…”
The mention of the substances makes you gasp, a similar one to the one he directed at you before. “Na Jaemin!” The playful slap on his arm only makes his hold against your body tighter, sending you both into a fit of laughter.
Amid the chaos you created, Jaemin makes his point clear with the previous topic, throwing himself still clad in his dirty clothes onto his bed and taking you down with him. You yelp at the sudden fall, throwing everything out of your hands to muffle the sound of your mouth, aware of the sleeping couple not too far away from this room. 
“Oops! Gotta change it tomorrow, I guess!”
“Na Jaemin, stop! I’m still going to shower anyway!”
So begins the shoving and wiggling for you to escape his strong grip on his bulky arms. You know shortly after running out of breath that it’s a better choice to rest your head on his pectoral, giving up on both the shower and possibly the movie night. The laughter dies down, but never the love that Jaemin shows for you. On the back of your head, you can feel his thumping heartbeat, the rhythm making your eyelids fall naturally.
Jaemin carefully slides you over to the mattress on his side, turning his body to face the girl he loves the most in this world. His eyelashes flutter quietly, quieter than the humming of the white rectangular machine stuck high onto his wall. He doesn’t bother waking you up, content with the tiny snores you let out through the small gap between your lips.
“And to think you were scolding me minutes ago.” Bopping your ice-cold nose with the pad of his pointer finger. “Okay, at this point you’re going to freeze.”
Though exhausted and body screaming to just fall asleep then and there, Jaemin pulls himself back to the edge of the bed, standing and stretching his four limbs. He quickly retreated to the connecting bathroom, picking up your discarded items that he made you toss to avoid his parents from waking up and scolding the young couple in love—though he knows they will just scold him given how much his parents adore everything about you.
Scared that you would soon wake up in the very uncomfortable posture that you have right now, more than half your feet dangling off the bed, Jaemin swiftly completes his night routine, skipping the one that would make his dentist question his habits but he pushed the thought aside for now. As quiet as he could, he makes his way over to your still peaceful figure. His knees sink into the bed, eyes observing you while he holds his breath to avoid any more unnecessary movements than the ones he’s making right now.
An arm lifts your upper body, and Jaemin quickly jumps behind you. You did stir a bit in your sleep when Jaemin undoes the noisy metal zipper of your jacket but nonetheless, he succeeded without bringing you back into full consciousness. In his head, he imagines himself doing a little celebratory dance under the shining disco ball, all the fluorescent light on him on the dance floor. Then, the same arm is placed on your upper back once more but now paired with his other arm tucked under the back of your knees. You quickly adjusted to the position, Jaemin raising your body high enough for you to relish in the remnants of his cologne on the crook of his neck. 
“I love you, Nana.” You confess to him earnestly. “I love you so much…”
Jaemin stands on one side of the bed, scanning the curves of your face intently as if he has never noticed the small mole on the slope of your nose. He couldn’t fight off the want to steal another kiss from you, bending his neck down to slot his soft ones to hug your plump ones. A satisfied hum is brought out after, Jaemin mirroring your content heart with another lingering press on your forehead.
Soon enough, your body is finally between his bouncy mattress and his weighted polyester. Immediately, your hands roam over to the other side of the bed where Jaemin would usually be, groaning when all you felt was the crinkles of the cotton that is not his shirt.
“Okay, okay. I’m here.” He assures the dissatisfaction painted on your face first by flicking the light switch off and then by wrapping your smaller frame into his own. 
The muscles of your whole body relax for the first time in a while at the thought of going to dreamland—maybe it’s the Jaemin effect. A hand makes its way to the curve of your head, fingertips half-buried into your strands. A slight gush of wind can be felt on your nose but you don’t mind the proximity, even continuing to scoot even closer, pleased with the hand on your lower back that pushes you in closer. 
“Sleep tight.” His eyes landed on the brown bag across the room and his muted laptop that plays your favourite comfort movie. He lets the movie play, strategically moving his forearm to block the blue light emitted. When he confirms that his shadow falls upon your lids, he places the lightest kiss as a final ‘goodnight’. “I love you.”
So maybe, you don’t hate the hot weather as much as you thought.
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navi/masterlist!! 🤍 tags (send a dm/ask if you would like to be here or removed!): @k-labels 💙🤍 @k-films 🤎🎞️ @kflixnet 📺🍿 @sanaxo-o
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deke-rivers-1957 · 7 months
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ECU High - Danny's Ambition
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The alarm clock rings and Danny groans as he gets out of bed.
"Just how *expletive* is this day gonna be?"
There's a knock on his door as he hears his sister Mimi.
"Danny, are you decent?"
He sighs. "Yeah Mimi, Ah'm decent. What's up?"
She comes into his room.
"Daddy says he has to take the car today. Are you gonna be alright to walk to school?"
Danny rubs his eyes.
"Walkin to school's all I do anyway. No reason to waste gas over a mile. Ah'm tellin ya Mimi, if I gotta redo senior again I might as well drop out."
She tries to smile. "Don't drop out Danny. Daddy's still trying to get a pharmacy job. That's why he's taking the car. Mr. Primont called him in for an interview. If he gets the job you can quit and focus on graduating."
He stands up and stretches.
"That'll be the day, sis. Ah really hate havin ta ask the juniors for money. It's embarrassin."
The mood is somber and Danny looks lost.
"Ah just wanna wake up one morning and not gotta worry bout money. I don't wanna have to rely on other people."
She goes over to hug Danny. "I know you feel that way, Danny. You just need to take it one day at a time. Now eat up. I got breakfast waitin for you."
He sighs.
"Alright. Gotta change first. Be right down."
Mimi smiles and leaves the room. After changing, Danny goes down to eat breakfast as fast as he can.
"Ah'll see ya later, Mimi."
He grabs his backpack and starts running to school. As he makes it to the school's parking lot, a rusty old pickup truck pulls in. The engine has a strange sound to it.
"Howdy, feller."
Danny looks up.
"Oh hey, Jodie. Hell's up with yer engine?"
Jodie shuts it off and gets out. "Ah dang carburetor's done actin up. Gotta find somethin worth replacin it. Ol gal's goin on 50 so's Ah gotta keep 'er runnin."
Danny looks at the truck. "Ya going to the junkyard with Mike?"
Jodie grabs his books.
"Yeah Mike's ride done lost 'er fender. We's goin ta mah job fer parts."
He stops at the stairs. "Danneh ya got wood shop 1st period?"
Danny looks at his schedule. "Let's see. Nah I got wood shop 2nd period. What classes do ya need to pass this year to graduate?"
Jodie laughs a little and looks down.
"Math, science and readin. Mr. Wade tol me Ah gotta do good ta stay on the wrasslin team. Says he'll kick mah ass if Ah done keep failin and gotta repeat a year."
Danny sighs. "Dunno how you plan on doin that man. We're all idiots ta be able to tutor anyone."
The first bell rings.
"Ah'll be seein ya feller faster than Ah done load a shotgun." Jodie says as he heads inside.
Danny heads to the gym but almost gets hit by a car.
"Dammit Mike ya almost hit Danny."
Mike smiles as he parks.
"Ah yer just worried bout your insurance rates Mikey. "
Mikey (short for Mike Windgren) glares.
"No *expletive* I'm worried Mike! I don't want my Saturn to kill someone!"
"Well Ah didn't so don't get yer panties in a twist. Now let's go before we're late."
Mikey groans.
"Sorry ta almost hit you Danny."
Danny keeps going to the gym.
"Hey Guy are you lookin for someone?"
A boy on the football field turns to look at Danny.
"Yeah that *expletive* Mike skipped band practice today! How're we supposed to set a good example to the freshmen if we ain't all here?!"
Danny sighs. "Well go yell at 'em when ya see 'em Guy. He'll probably show up when he feels like it."
"Yeah well he better! Ah'm not bout to have our drummers be outta formation because that *expletive* decided not ta practice!"
Danny shakes his head and makes it to the gym.
A whirring sound is heard as a small helicopter lands. A young man steps out with a girl on his arm.
"And that's how ya land!"
She looks amazed.
"Oh wow, Rick that's so amazing. How many more hours do you need to be able to teach me for real?"
He gives her a cocky grin.
"Only 20. Maybe if yer willin to wait a couple months I can teach ya."
Her eyes widen.
"Wow I'd like that! I'll see you around then, Rick."
He gives a thumbs up. "You know it baby."
Danny rolls his eyes.
"How many demonstrations is that now, Rick?"
He laughs. "Oh Danny. Don't ya get that it's good for my social life? I get to put my hours in while getting some babes. I see that as an absolute win."
Danny starts walking again. "Whatever Rick."
He makes his way to the gym when he sees his friend.
"Oh hey Ross!"
Ross turns around.
"Danny good ta see you! Still tryna make ends meet. How 'bout you?" he asks smiling.
Danny looks down. "Same boat. Pa's gonna have an interview today so fingers crossed."
Ross rubs his eyes. "Least there's a light at the end of the tunnel for ya. I gotta find a better job that'll pay more. Buc-ee's just ain't enough to pay the bills."
"I hear ya, Ross. Being a busboy at 2 nightclubs ain't a good paycheck either."
A whistle is blown. "Awright ya *expletive* line up!"
Everyone lines up when they hear Mr. Wade's voice. No one messes with him.
As Mr. Wade makes his opening year speech about gym class Danny's mind starts to wander.
"All Ah want is ta make it through the year. If Ah can jus make 'nough money, Ah can buy back our house. Pa ain't ever gonna be embarrassed ever 'gain."
Tag list: @vintagepresley, @thetaoofzoe, @ashtag6887, @whitepontiac, @tupelomiss, @richardslady121, @just-another-boring-bisexual, @aliengoth3, @phil2135561, @gayforelvis, @ash-omalley, @eptodaytommorwforever, @mercsandmonsters, @wildhorseinkansas, @alienelvisobsession, @comebackep, @presley72elvis, @leopardandstuds, @ellie-24, @heart-of-ep, @thatbanditqueen, @be-my-ally, @arrolyn1114, @xanatenshi, @jaqueline19997, @vintagegirl50s60s70s80s, @j-v-9-2, @mydarlingelvis, @almightybigbrain, @pinkcaddyconfessions, @miniaturerunawaykid, @myradiaz, and @msamarican.
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sweaterkittensahoy · 4 months
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Our apartment is through a management company. It's usually fine. The last several months, we've had issues with them 1) actually sending out maintenance, and 2) not fixing our fucking floor.
Our floor was put in during the Fall of 2022 after the fucking flood of June 2022. For the entire summer, we walked around on the original concrete floor of our renovated 100-year-old basement apartment.
Management company swore the problem was that the property owner was dragging his feet.
I'd met the property owner several times as he'd come to inspect the damage and understand what he needed to do as owner, since it would be his insurance covering things. I thought he was an asshole.
The new floor went in. We moved home. A few weeks later, I noticed a space between the boards in the kitchen. I debated calling the management company, then went, "I'm in no fucking mood" and threw a rug over it.
I'm not a professional, but I know bits and pieces of home shit. I figured, with the weather cooling, the vinyl boards were shifting a bit, and it'd either stay the same or just slip back together at some point.
And then the rest of the floor started buckling.
I put a maintenance request in. A guy came out, took one look at the floor, and went, "Oh, yeah, I know what's happening." He took photos. He pushed back together what boards he could, and he left.
Nothing for about a week, then a call. The owner wants to come out and look. I sighed and agreed. He came out and brought along his wife, the maintenance guy who'd come before, and our property management contact.
He was NOT PLEASED. His wife's job that day, very obviously to me, was to get my real impression of the management company while the owner asked some questions about why it was taking a week to even update me on next steps?
I told the wife, "We've never had a real problem with maintenance. Stuff's always gotten fixed."
"Have you needed it often?" she asked.
"Nope," I said because it was true.
When the whole apartment was getting torn up after the flood, the demo guy was 1) great and 2) informed me that all the finishes in the apartment were commonly used but also the high-end version. Yeah, they were all particle board and vinyl and what have you. But they were the top-notch versions of everything. I remembered thinking, "Wow, the dude who renovated this place gave a real shit."
We have not heard word one from anyone at the management company about our floor since around October. We have heard from the owner and his wife on a few occasions, calling to see if the next step of the plans had happened. Which is how I found out there were plans. Our contact at the management company (with 16 years experience, something she mentioned when she sent out her intro email at her hiring) had not given me any information.
A couple of weeks ago, our kitchen turned into a tiny swamp. There was water coming up through the fucked up floorboards. A pipe had frozen upstairs a couple of days before. There were four inches of glaze ice over everything.
We called the management company. We got an email back: "We are confirming with the owner how he wants to proceed."
I started cursing the owner's name up and down.
And then he showed up that night. In the ice and the snow. With it pouring sleet (literally pouring sleet). I thought he was being a control freak.
He looked at things, said, "I'll have to turn the water off." And then went upstairs to check on things there. He came back a few minutes later, needing to try and find the shut off. We couldn't locate it down here, either. He shut it off at the street, then took Sean out and showed him how to use the tool to turn it on and off.
"It's a very slow leak," he told us. "If you don't mind mopping up water when it comes up, you can turn the water on for short periods of time."
Two days with no water. The ice continued not to melt. I fell on the dog walk and slid into the side of a car (nothing serious). The owner showed up again when the roads were still barely passable. He had the leak fixed and the water back in by the end of the day. He apologized for the delay. He left the wall open so things could dry, and came back the next day to check things again.
He started to grow on me. He knows his shit. He works quietly. He tries to be as unobtrusive as possible. I sent my regards to his wife, for which he thanked me.
During these few days, I'm getting sporadic emails from the management company basically rehashing everything that had happened that day. Even though I'd heard him call them and explain things to them within half an hour of showing up each day.
So, they were in the loop.
And, yes, so were we.
But there's a way to do these things.
And acting like it's all brand new information to you when the email gets to me at six, after he's left again after apologizing for getting some mud on the floor because he's been in and out not only fixing the leak but also beating the shit out of the four inches of glaze ice with a shovel so he can clear the sidewalk for us. Which is one of those technical requirements that I don't expect of any owner or management company when it's below freezing multiple days in a row in a city where that does not happen regularly. Like, the official city policy during the weather was "please stay the fuck inside."
The contractors came to put the wall back together. The owner showed up to properly introduce them, then left them to it. They did good work as far as I could tell.
I've heard nothing from the management company for several days, and I continue to be very unimpressed by their current actions. Which is just additional unimpressed feelings since October when I got a call from the wife saying, "Did the contractor come out to measure?"
"Measure?"
"For the replacement floor."
"No, Ma'am," I said, not knowing until this phone call that a contractor had even been signed. "Last I heard anything was when the inspector came out."
"Did the company contact you about them?"
"Yes, but then the inspector didn't show the day he was supposed to, and we didn't hear why. He did show up a couple of days later."
The kind of pause you only get from a woman who knows how to use her powers for politeness, smoothing ruffled feathers, and fucking murdering someone. "I see. Okay. Thank you."
"I've worked on a lot of floors," the contractor told me yesterday as he wiped down all the places drywall dust and paste had gotten (everywhere; including the bottom of Bean's foot I discovered this morning). "You're definitely gonna need new floor where the leak was."
"Oh, yeah," I said, with a wave. "We need the whole thing replaced, actually. It's in work."
"Yeah, I noticed it was bubbling," the contractor says. "Not surprising. This is the cheapest vinyl floor you can get."
"Oh?"
"Yeah. I've worked with the owner for years. I'm surprised he approved this."
About a week after the wife last called me, we got a letter in the mail from the owner. It read, in part:
...please copy us in all emails to the management company. We want to be fully aware when issues arise so they can be handled as quickly as possible...
Given all current evidence, I am beginning to suspect the problem was NOT the owner but the management company. As I have never worked in property management, I don't know who decides things like which flooring. However, having watched the owner over this last couple of weeks, I suspect the management company picked the flooring and the contractor to do it and the "dragging on" issue was the owner pushing for better quality.
I'm not sure. What I am sure of is that the owner was here today to paint the repaired wall and a strip of ceiling that has gone unfixed by the management company since before we told them the floor news.
I have been beyond happy with the speed of things with the owner in charge of repairs, and I've come to appreciate his dedication to keeping our place in good kit. He is proud of this place and wants it to show. He wants high-quality and good craftsmanship.
He also ended up not painting because the ceiling repair doesn't have the right texture when the lights are off. He is coming back tomorrow morning with the contractor so it gets done to his liking. "It can be difficult to match the texture of sheet rock," he told me. Having watched him work these past couple of weeks, I know he wants it done to a high standard that I appreciate as the tenant.
On the other hand. What an asshole.
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classicquid · 3 months
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ldysmfrst · 20 days
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Breaking and Entering (3) - Lovern
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Status: Ongoing Series (hiatus - may start again based on responses)
Chapter number: 3 of unknown
Word count for Chapter: 1,797
Word count for Story: 7,864
Genre: Werewolf
A little about the author: I am a mother of two beautiful children. One of which is special needs, and on 3/28, they lost 75% of their vision. I started a Patreon if you feel the heart to donate towards helping with the medical costs of appointments, medication, and modifications to the house, which insurance doesn't cover.
Warnings: (I am not good at this, but I will try. Let me know if I missed anything!!) NOT BETA READ!! This story will have a bit of angst, fluff, smut, f/m, and m/m. This chapter does have a small amount of violence and comfort.
Side note: This is the first story I have ever written. Since I am laid up on pain meds from almost breaking my ankle, I thought I would share something with you, my dearest readers. This will be posted on my Patreon as well. I hope you enjoy it!
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It’s the first day of school. 
I made it to school with plenty of time to spare. Unfortunately, because it was so close to summer, I did not get a chance to watch the sunrise. There would be time for that later when the days grew shorter. 
Since I am new to LRH and seemingly the only student here, I decided to walk around campus to find my classes. While I was lucky to get an open period before lunch, my luck ended there. 
Literally, every class was on the opposite side of each other.
So, not only can I not sneak in, but I must also dash across campus to be on time. I will definitely get my recommended 10,000 steps a day.
Slowly, I see students start arriving. Most drive nice-looking cars: Highlanders, F350s, Range Rovers, etc. I swear this school has more expensive cars than most cities that I have lived in. Glancing at my watch, I still have a few minutes before my zero period starts. It is time to hide in my spot until my classes start in about an hour. 
Walking towards the library, I recognize different cliques meeting up and gabbing about what kind of summer they had. Most of the zero-period students are Worms, which makes sense. They try to fit as many classes into their day as possible to make their transcripts look good for Yale or Harvard. I couldn't get a zero period because they were full when I registered. 
Making my way past the gym and into the front doors of the admin building, I cover my head with my hood and head for the non-private elevator. The lobby is already buzzing with official-looking people. Surprisingly, Mitch is there with another guy heading to the private elevator. 
Why is he here so early, why does he have a key card, and who is that other guy with him?  
I ponder Mitch and his friend as the elevator takes me to the 4th floor. I find my spot and watch as the school below fills up. Since it still feels like summer, the girls wear shorter than short skirts and shorts or the occasional pair of leggings. They are clad with different variations of strappy tank tops, showing too much skin. 
The guys are in shorts or jeans, muscle shirts, or graphic tees. I swear this town belongs to Paris or some other fashion icon capital. This means I will stick out like a sore thumb, awesome. 
Not.
All too soon, I hear the bell sounding at the end of zero period and announcing I have 10 minutes to get to my first class. Hood up, head down, and hands in my pockets, I make it to my first two classes without a hitch. 
There is an extra ten minutes between the second and third periods for brunch, but I just head over to my next class, sit against the wall, and wait outside the door. That is when the day starts taking a dive for the worse. 
"Move out of my way. You're blocking my locker." 
Looking up, it is none other than my foster sister Selena with her mini troop of cheerleaders all sneering at me. Let me introduce Selena's followers. 
First, there is her best friend and co-captain, Donna. She looks like Selena, with the same body build, color, eyes, and skin tone. The only difference is Donna's sleek, fire-red hair with thick barrel curls. 
Then next would be Antonina, the shortest and best flier in the state. She has a typical cheerleader look, bleach blonde hair, is not as well endowed as Selena and Donna, and has the same crystal blue eyes. 
Last is their tag-a-long, as Selena called her. Her name is Trisha, and she is the Junior Varsity Cheer Captain. She does her best to fit in with Selena and her goons, dressing like them and coloring her hair to match whomever she needs to impress at the time. Over the summer, she seemed to grow into a young woman, meaning she didn't have to keep stuffing her bra.
Mumbling, "I’m sorry, I didn't know," I try to move as fast as I can out of her way, not wanting to cause a scene on my first day of school. I start walking to a set of benches in the sun.
"That's the charity case that I told you about. She has nothing and no one, so my parents decided she could take my old room and stuff to make them look good. Always trying to impress the big wolf," she said with a look of exaggerated pity on her face.
Not believing what she said or willing to let it slide, I turned around with my hands on my hips. "Well, it is not my fault they have a daughter who left them with emptiness in their hearts. I guess they needed me to feel complete."
With a sound almost like a growl, Selena stalks toward me faster than I have ever seen and slaps me, her nails drawing blood on my cheek. 
"Don't you ever think you will complete anyone? You are nothing but a broken soul that can never be fixed. You should know this now since no family wants to keep you." 
Then she turns back to her crew, flicking her hair over her shoulder, and resumes getting stuff out of her locker. Her gaggle of goons copy her movements and are back chatting away like I don't exist, and she didn't just assault me.
Standing in shock at what she said, I just stared at her, my mouth open like a fish out of water. Not moving, not knowing what to do. I mean, no one has ever spoken to me like that. 
Suddenly, I feel someone grab my arm and start pulling. With blurry eyes, I resist and look at the hand on my upper arm. I followed it up to see a man several inches taller than me with a very concerned look. I see his mouth moving and realize he is actually talking to me. 
"Wait! Who the hell are you?" I wiped away the tears and jerked my arm out of his grasp.
"Erik, my name is Erik, and you're bleeding all over your hoodie. I just want to take you to the school healer. She needs to tend to your face quickly, and you need to learn to avoid Selena and her terrors."
"Oh, t-thanks." I wipe my cheek with my cuff, hissing in pain. Looking at the blood on my wristband, it is clear that it isn't just a little scratch. "How the heck did she do that?"
"Come on, you need to see a healer," Erik said again, grabbing my arm, but this time, I let him lead me to the health office.
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Inside is an older woman warmly smiling in the classic nurse's uniform. Immediately, she pulls me into the room, telling Erik to go to class. I sit on the patient's bed as she flits around the room, explaining what she will do and how to take care of the wound. 
This happens often, and she wasn't shocked that the first injury was on the first day. She rambles about my injury and keeps proving this year will be different because she can "feel it in her bones." Once I am cleared to return to class, I leave the building to find that guy waiting for me. 
"Hey… it's Erik, right?" He nods, and I continue with a confused look, "Thank you for helping me, but why are you still here?"
"I wanted to make sure you were okay. Selena can be a bitch sometimes, but today she seems to be in rare form. It makes sense after what happened over the summer break. Anyways, you are new here, right?"
"You could tell that easily, huh?" He goes to say something, but I keep going, "Yeah, it's my first day, and I know about Selena. I am her foster sister. She has never been friendly since the day I moved in. Not that I am expecting to be her best friend or anything."
"That has to be terrible. Living with that? Well, anytime you want to get a break, you are welcome to call me. You got your cell?" he says, holding out his hand. 
I look down at the ground and kick a rock near my foot, "Umm… I don't have a cell. Never have. Don't have anyone who wants to keep tabs on me or keep in touch." 
That's when I feel a knuckle under my chin lifting up my head. As my head is lifted, I finally look at him. 
He is slender but well-defined if that is a possible combination. He is pretty much wearing the male version of what I am wearing. He is taller than me by at least four inches. When I finally see his face, a slight shudder runs through me. He has dark brown eyes that pull you in, dimples on each side of his perfect teeth, thick black hair hanging to his shoulders, and perfectly tan skin. 
"Well, you do now, but I kinda need to know your name first if we are gonna be friends? Up to you, of course." He smiles again with a little less confidence and a flash of worry in his eyes as he quickly drops his hand and stuffs them both into his jeans. 
I cleared my throat to talk: "I would like to be friends. I just don't know how long I am going to be here. I don't seem to last long in any one place. I'm not sure you want to waste your time." I gave him a chance to back out and leave. I did not want to deal with the heartache of leaving town and my only friend behind.
"Hold on," he takes off his backpack and rummages around, finally pulling out a piece of paper and a pen, jotting something down, then handing it to me, "Here. That's my cell number and address. If you live with the Moores, you are about two blocks from my house. You can call me or come by whenever. I will be your friend for as long as you breathe if you want." 
Glancing at his phone, a trace of trepidation runs across his face, and he sighs softly, "What's your next class? We pretty much missed our third-period class."
"Oh, the fourth period is open for me. I was going to hide out somewhere, but you should get to class. Bye." 
As I quickly turn around and head towards the cafe, I hear Erik say, "Hey! Can I get your name, at least?"
"You can call me Ren."
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just-one-kid · 11 months
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i didn't think i'd ever have to make a post like this, but shit hits the fan sometimes i guess. pretty often actually.
the last two months have been more nightmarish than i could have imagined since escaping an abusive household right after graduating high school. i quit my job and started a higher paying one to start my career with, and promptly got fired 4 days in for no real reason pertaining to my work ethic, ability, or punctuality. (i dared to take my friend to the ER the night before a workday and DARED to be tired and still work my ass off all day, which surely showed lack of commitment and laziness?? literally that's the only reason they could tell me. anyway.) now with no job, i applied everywhere in the area and got no responses except for one place that ghosted me after orientation (literally why). then to just dig the knife in deeper, my best friend of 14 years' grandpa (who i was actually close to) AND my fiancé's aunt whose death he was dreading more than anything (she was a cancer survivor and it came back) died within a day of each other. one funeral was 1.5 hours away and the other was 5 hours away, and the two were two days apart. my car is now overdue on an oil change from this and while my partner and i are still grieving RENT is due and my insurance bill is due and an oil change and my registration and and and (it feels never-ending)
anyway
we already have some assistance from a charity for $900 of our $1400 rent (the maximum they can supply), meaning we're still $500 short. with the grace period ending in two days. and with my fiancés new job (only blessing lately), he won't get a check for another 3 weeks.
we can use any help we get, either to fill that gap or, if we can't make the goal, to survive until a relative allows us to stay with them (after getting evicted and no longer being able to rent). and spoiler alert: no relative of his will take us together, and the only one of mine i have in the state wouldn't take me because they are busy housing my rapist.
if you have even a dollar to donate, it would be incredibly appreciated. i'm not sure what to link here because i haven't had the chance to set up a gofundme or any of the popular donating sites, but my venmo, cashapp and paypal are all under carrotarot. i'm just that desperate at this point.
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paydayquid · 11 months
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Despite Bankruptcy Short Term Loans UK Is Your 1 Source of Funding
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Would you desire to be relieved of any pressing financial obligations? Need the optimal amount of money right away? If the answer is yes, you can get funding there by applying for a short term loans UK. The best news is that you don't have to worry about applying at a specific time because these loans are available day and night, seven days a week. Both renters and non-homeowners can quickly and hassle-free obtain the financing.
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In spite of bankruptcy, customers can still get same day loans UK, as the subheading states. It indicates that you don't have a major problem getting a loan without a credit check if you have adverse credit factors like defaults, arrears, foreclosure, late payments, CCJs, IVA, skipped payments, low credit ratings, etc.
Before making a loan to you through one of short term loans direct lenders, the lender will require that you meet certain requirements, including that you are at least 18 years old, a resident of the UK, a full-time worker for a reputable company, and that you have an active bank account, which is required in order to receive money via direct deposit. You must now complete the application in order to receive an immediate loan decision.
When may I require a £2,500 Short Term Loans UK?
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It's wise to only use a same day loans UK in an emergency and not to address ongoing financial issues or frequent cash flow issues. We advise getting in touch with a free, unbiased financial advisor like The Money Helper if you need to talk to someone about your finances.
How soon do I have to repay a £500 Same Day Loans UK?
This largely depends on the lender you select. Some companies give you up to 35 days to repay your loan. Consider a same day loans UK to ease the burden on you and your monthly spending plan. This makes the entire lending process more manageable by allowing you to spread the cost of your borrowing, plus interest, over a longer period of time.
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amarantine-amirite · 1 year
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The Road Home
Dad boarded the driver's seat of our brown LeBaron with wood panels. It shook slightly under his weight. He slammed the door, started the car, and backed out of the parking lot of the park where I had the soccer tournament.
It's a sunny day. The forests at the side of the road are beautiful. Today had all the trappings of a nice drive. And yet I still ended up in tears by the time we got home.
It started with my parents arguing in the car, while me and my little sister Erin sat in the backseat.
Dad didn't look at me when he said, "Well Jane, you played like shit. Eight goals? Really?" nobody could tell if he did so to keep his eyes on the road or because he was too mad to look at me.
"Arthur, don't go there," Mom warned.
Dad went there anyway. "No, Dorothy," he snipped, "she played like shit."
"Arthur, It takes a whole team to play soccer" Mom responded in an attempt to get him to lay off.
It didn't work. Dad just kept after me, "You don't get it, Dorothy. Jane's never going to be good at soccer if she doesn't learn from her mistakes."
Dad has never played a single game of soccer in his life, yet he thinks he could do a better job. He doesn't know what we go through.
It's different for girls. We sit out if we're on our periods because they don't make shorts in colours other than white. We can't wear our own bras, not even underneath the ones that come with the uniform. We always fall because the boys who get first dibs tear up our turf. We injure our knees and ankles because our shoes don't fit right.
I have it even harder. We play our games with a bowling ball painted like a soccer ball and our coach tells us we have trouble kicking because we aren't very strong. Most of my teammates genuinely believe that they can't kick a soccer ball. I know it's a bowling ball, and it frustrates me to no end that everyone pretends it's a soccer ball. In an environment like this, I don't think anybody could be good at soccer.
Dad turned around and glared at me. "Jane. you tell me what you did wrong!" he demanded
"I don't remember," I said, trying not to piss myself in fright.
Dad relented. "No, you do remember, you just don't want to think about it," he growled.
The car would have gone silent after that, except Erin had the guts to say, "Why does it matter, Jane's never going to be good at soccer. Can't we just do what Mom says and take the bike everywhere, because we wouldn't need soccer if we rode our bikes and-"
She had a point. I sucked at soccer and hated playing it. I never understood why I had to play a team sport when I could've gotten exercise some other way. We live somewhere where we can get to places by bike and stay off the roads at the same time. We didn't have to be a take-the-car-to-sports-for-exercise family.
Regardless, my sister's comment made Dad launch into a white-hot tirade. "Listen, girls," he began, "but nobody is going to teach you this. People on bikes are a disaster for the economy. They don't buy cars or fuel and don't borrow money. They don't pay insurance policies and they don't pay to have the car serviced, nor do they need repairs. They don't use paid parking or cause any major accidents. With people on bikes, there's no need for multi-lane highways."
He's not wrong, but people on bikes buy other stuff too, such as water bottles, gears, bike repairs, and bike trolleys. The spending doesn't go away, it just gets transformed into something else.
Dad angrily ranted on. "Not done!" he continued, "people on bikes don't get fat. Healthy people are not necessary or useful to the economy. They don't buy medicine. They do not go to hospitals or doctors. They add nothing to the country's GDP."
I burst out laughing. Dad's tirade sounds wrong on multiple levels, but I can't pinpoint the flaws in the argument. Even if I could, it wouldn't have stopped him. "On the contrary, each new McDonald's store creates 30 jobs. 10 cardiologists, 10 dentists, 10 dietitians, and nutritionists, as well as the people who work in the store itself."
Before either Mom or Erin could say something, Dad bellowed, "And walking is even worse. Pedestrians don't even buy a bicycle!"
"Yes," Mom said in a vain attempt to put an end to Dad's psychotic rant, "but they buy shoes. And sunscreen."
Without warning, my father hauled off and maneuvered the car to crash us all into the dividing wall. He wanted all of us to die together. The reverberating echoes of my mother and sister screaming and me crying haunt me to this day.
We got home in one piece. Mom and Dad forgot about the drive home within an hour of arriving home, and Erin forgot about it in a couple of days. I never will. To this day, I panic if I'm in a car with someone and they seem even slightly upset, especially if on the freeway near a dividing wall.
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sweeperrimwheel · 1 year
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heavensigh · 1 year
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Its been a while since I journaled...so lets get into it.
I started my period 3 days early and I’m not sure what that means. I have been eating healthier so that could be it. Not yesterday, I had about 3 donuts yesterday and a second helping of dinner. I blamed it on my period. For when I bleed...I hunger...?
I got a new workout coach. Its a woman this time and she seems nice. She has me doing a little cut to get my body fat percentage down and I don’t think I’m doing a good job at tracking my calories. Its been about 3 days and its time consuming. Practice makes perfect I guess. I’m pretty much starting back at the starting line so might as well make my mistakes now and get them out of the way.
Chu went to get his labs done last week and he is finally sperm free. We’ve been at it like rabbits and my period is still on time. I’m so happy. This is one of the best decisions we made.
Launching the new store today. Chu showed it around to some guys at work and now I got all this feedback. Psh, where was it when I was in the design phase?! I gotta go back and make the corrections and I’m still unsure on the price but I’m going to let it be and see what the market says. I might take it lower.
Work is fine. I got a new position. Turns out I’m still really green as a paralegal. The attorney I was working for has a heavy case load and is awful about time management. They were a huge source of stress. I did a review meeting with the partners and it seems like they are unsure on where to place me. Especially now that they are short one attorney. So my schedule has changed. I come in 5 days a week now. It hasn’t hit me yet because my pay is still the same but I am looking for a new job. My goal this year is to increase my salary by at least 10k. I’m also looking into project management? Google has a course on it and I’ve always been attracted to the concept. Law is cool but I don’t want to be an attorney. And what's the point if I don’t aim for the top?
This week I’m just going to focus on getting a sale and quieting the voices of creating new business plans.
Finally got my new car back but the insurance wants to send an investigator to check it before they okay any more repairs. I have a full write up from the repair shop so I’m going to go through the whole thing with them while they are here. It better be a smooth process or they are going to hear it.
I’m still sitting on my ankles but I’ve been reminding myself to sit properly throughout the day. 
 I hope it pops off for me soon. I’ve been getting really tired as of late.
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hermajestythebitch · 2 years
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Tips On How To Select The Right Towing Company
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If you've ever found yourself in the unfortunate position of needing a tow truck, you know that it's an overwhelming task to locate a trustworthy and trustworthy company to assist you. It is because there numerous companies on the market, and it could be quite simple to make a snap choice that might turn out to be a mistake. These guidelines can assist you in avoiding the frustration when you hire towing San Jose that could result in poor customer service.
Ask your family and friends for referrals.
If you know someone who used commercial towing companies previously, you should find out which one they prefer. If you need to, contact them to get advice or suggestions regarding which company to choose. You can also search online for San Jose tow trucks near me. Select the one with the highest ratings and is closest to you. A lot of accidents and emergencies require the assistance of an experienced San Jose tow truck service. There are two signs that you should call for assistance: If your vehicle won't start due to a flat battery, or if it is getting stuck in water after heavy rains, they are all reasons to call.
Do some online research to find out how you can compare prices and services
There are many San Jose towing companies that provide their own prices and packages. You should find out the cost of performing basic services like hooking up your car or moving your vehicle, as well as storage fees. There is no need to pay extra fees even if the truck is just on the road for a short period of time.
Check that the tow truck service is licensed and insured.
Prior to booking an appointment with your towing service be sure that they're licensed and insured. There are numerous companies on the market today who do not possess these vital documents. Even though their services may be inexpensive, they are illegal to conduct business if they are not insured. Find the contact information of the closest tow truck company near you. Contact them immediately if require immediate assistance. This will help you since they'll know where to locate you and will quickly be on their way to assist you. Make sure to inquire about their fees before you choose the tow truck service. Depending on which company you hire the cost for towing might vary. There are some companies that offer flat-rates in their towing services. Before you decide to go ahead, you should get at least three quotes. After you've selected the most suitable tow truck provider ensure that you verify their insurance and license before letting them assist you with your car. A good relationship between a car owner and the tow truck company is only possible with a company that is legally licensed and insured.
Read reviews from past customers.
It is essential to know what they experienced and if the company lived up to their billing and claims. You may also provide your feedback and rate the service they provide, which will aid others in selecting the most reliable San Jose tow truck service. If you require for help in the event of an emergency, like when your car is in town, it is crucial that you choose a reputable and trustworthy company. You can search online for the most reliable companies and make sure they are licensed and insured. To find the right San Jose tow truck service for you, you should thoroughly research all available options. Look up reviews and be sure that they are insured and licensed.
Contact the company to ask any questions that you might have.
Many accidents and emergencies require you to seek help from an expert towing truck. These are two examples of situations where it is possible to tell when you need assistance from a professional.
Make an appointment to have your vehicle towed.
Many San Jose auto towing companies offer various packages and rates. Find out the price for basic services like hooking up your vehicle, moving the vehicle and storage costs. To avoid having to pay extra even if the tow truck only stopped at your home for a brief period of time, try to negotiate the terms prior to hiring any company. While some companies will charge you for the use of their tow truck on your property however, they will only charge you to keep it operating. On the other hand there are other companies who charge the customer even if they do not use their trucks because you chose not to avail of their services. Regardless of what type of vehicle you own be sure to verify whether or not the company has the right equipment to tow your vehicle. If you don't know, ask them ahead of time before they arrive. This will ensure that you are not surprised and that the entire process goes without a hitch.
BIG TRUCK TOW
1224 Panoche Avenue San Jose, Santa Clara County 95122USA
408-809-1725
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classicquid · 1 year
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Can I Be Eligible for Low Cost Short Term Loans UK Direct Lenders?
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You can benefit greatly from low-cost short term loans from direct lenders, but there are also some drawbacks, so it's important to consider both before drawing any conclusions. However, if you are confident that you will make your payments on time, you can simply and readily apply for a loan to cover any short-term or personal financial needs. An overview of the benefits and drawbacks of online short term loans UK direct lender may be found at Classic Quid. So, if this loan is appropriate for your specific situation, use it.
Before you apply for one of our short term cash loans, you must meet a certain set of eligibility requirements. You meet the following criteria: you have a full-time job and a monthly income of at least £500. Recently, your bank account has been accessed. You are a citizen of the UK and older than eighteen years old.
With our loans, you can take advantage of a number of advantages not offered by conventional payday loans. Leave them behind and apply for affordable short term loans direct lender to receive everything that suits you.
• Flexible periods for significant savings
• No surprises, no additional fees
• Safe & secure financing in just a blink of an eye
• Amounts ranging from £100 to £2,500
• Monthly installment repayments scheduled for six months
You never have to be concerned about using it. The money you have available to pay for a variety of urgent expenses,
 Such as unanticipated car repairs, lost wages due to illness or an accident, and unanticipated medical expenses.
Transport costs for urgent situations, such as going to a funeral or seeing a sick relative.
Fixed costs for starting a new employment, such as new clothes or a transferring pass, are sought after.
Throwing a Christmas or birthday celebration, or shopping for a gift to give a friend, someone special, or a member of your family.
Giving a security deposit while renting a new apartment or home.
Paying an unforeseen large bill (such as an electric bill or a toilet's line repair that all of a sudden increased by a significant amount).
What are some uses for a Short Term Loans UK?
In a nutshell, you are free to use this form of financing anyway you see fit. You won't be asked why you need the money when you apply for a short term loans UK online.
A brief justification or description of the loan application may be required by some lenders, but that is all. In the UK, the following are a few typical justifications for requesting short term loans for bad credit:
Unexpected emergency that is not covered by insurance (think of the kitchen burning down, car accident, or a broken leg, just as examples).
Scheduling a much-needed family vacation.
a lengthy month where you require bridging money to get you to your next paycheck.
Unexpected medical or health care.
Vehicle failure
Family outings (extra groceries and activities need to be covered).
Consolidation of debt.
Overspending on credit cards or accounts, or overdrawing an account.
Academics and activities for kids.
https://classicquid.co.uk/
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laxmipriyaa · 1 hour
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Insurance Plans: Safeguarding Your Future with Comprehensive Coverage
Introduction to Insurance Plans
In an unpredictable world, securing your financial well-being and peace of mind is paramount. Insurance plans play a crucial role in this regard, providing protection against various risks and uncertainties. Understanding the different types of insurance plans and their benefits can help you make informed decisions to safeguard your future.
What is an Insurance Plan?
An insurance plan is a contract between an individual and an insurance company. The individual, known as the policyholder, pays regular premiums to the insurance company. In return, the insurance company promises to provide financial compensation or coverage for specific losses, damages, or expenses outlined in the policy. Insurance plans can cover a wide range of risks, including health issues, accidents, property damage, and more.
Types of Insurance Plans
Health Insurance
Health insurance covers medical expenses incurred due to illnesses or injuries. It can include coverage for doctor visits, hospital stays, surgeries, prescription drugs, and preventive care. Health insurance plans vary widely, with different levels of coverage, premiums, and out-of-pocket costs.
Individual Health Insurance: Purchased by individuals for themselves and their families.
Group Health Insurance: Provided by employers to their employees as part of a benefits package.
Public Health Insurance: Government-sponsored programs like Medicare and Medicaid.
Life Insurance
Life insurance provides financial support to the beneficiaries of the policyholder upon their death. It helps cover expenses such as funeral costs, outstanding debts, and living expenses for dependents.
Term Life Insurance: Provides coverage for a specified term, usually 10, 20, or 30 years.
Whole Life Insurance: Offers lifelong coverage with a savings component that builds cash value over time.
Universal Life Insurance: A flexible policy that combines term insurance with an investment component.
Auto Insurance
Auto insurance protects against financial loss in the event of an accident involving your vehicle. It can cover damages to your car, liability for injuries and property damage to others, and medical expenses for you and your passengers.
Liability Coverage: Covers damages and injuries you cause to others.
Collision Coverage: Pays for damage to your car resulting from a collision.
Comprehensive Coverage: Covers non-collision-related damages such as theft, vandalism, or natural disasters.
Homeowners Insurance
Homeowners insurance protects your home and personal property against damages and losses due to events like fire, theft, or natural disasters. It also provides liability coverage if someone is injured on your property.
Dwelling Coverage: Protects the structure of your home.
Personal Property Coverage: Covers your belongings inside the home.
Liability Coverage: Provides financial protection if someone is injured on your property.
Disability Insurance
Disability insurance provides income replacement if you are unable to work due to a disability. It ensures you can maintain your standard of living and meet your financial obligations even when you cannot earn a paycheck.
Short-Term Disability Insurance: Covers a portion of your income for a short period, typically 3-6 months.
Long-Term Disability Insurance: Provides income replacement for extended periods, potentially until retirement age.
Travel Insurance
Travel insurance offers protection against unforeseen events that can occur while traveling. This can include trip cancellations, medical emergencies, lost luggage, and travel delays.
Trip Cancellation Insurance: Reimburses non-refundable travel expenses if your trip is canceled for covered reasons.
Medical Travel Insurance: Covers medical expenses incurred while traveling abroad.
Baggage Insurance: Protects against loss or damage to your personal belongings during travel.
Benefits of Having Insurance Plans
Financial Protection
The primary benefit of having insurance is financial protection. Insurance plans provide a safety net that helps you recover from unexpected financial setbacks, such as medical emergencies, accidents, or property damage.
Peace of Mind
Knowing that you are covered by insurance gives you peace of mind. You can live your life with the assurance that you are protected against potential risks and that your loved ones will be taken care of in case of an unforeseen event.
Risk Management
Insurance is an effective tool for managing risk. By transferring the financial risk of significant losses to the insurance company, you can focus on your personal and professional goals without the constant worry of unexpected financial burdens.
Legal Compliance
Certain types of insurance, such as auto insurance and homeowners insurance, are legally required. Having the necessary insurance coverage ensures you comply with legal requirements and avoid penalties or legal issues.
Investment and Savings
Some insurance plans, like whole life and universal life insurance, have a savings component that builds cash value over time. These plans can serve as long-term investment vehicles, providing financial benefits beyond just risk coverage.
How to Choose the Right Insurance Plan
Assess Your Needs
Start by assessing your individual needs and risks. Consider factors such as your age, health status, family responsibilities, and financial situation. Different stages of life and different circumstances require different types of coverage.
Compare Policies
Research and compare insurance policies from various providers. Look at the coverage options, premiums, deductibles, and exclusions. Choose a policy that offers comprehensive coverage at a reasonable cost.
Check the Insurer’s Reputation
Choose an insurance provider with a good reputation for reliability, customer service, and financial stability. Check reviews, ratings, and the insurer's claim settlement record to ensure they will be there for you when you need them.
Understand the Policy Terms
Read the policy documents carefully to understand what is covered and what is not. Pay attention to the fine print, including exclusions, limitations, and the claims process. If you have any questions, ask your insurance agent for clarification.
Seek Professional Advice
Consult with an insurance agent or financial advisor to get expert advice on the best insurance plans for your needs. They can help you navigate the complexities of insurance policies and find the most suitable coverage.
Conclusion
Insurance plans are essential tools for protecting yourself and your loved ones from financial hardships caused by unexpected events. Whether it's health insurance, life insurance, auto insurance, or any other type, having the right coverage can provide financial security, peace of mind, and a solid foundation for your future. By assessing your needs, comparing policies, and choosing reputable insurers, you can ensure that you are well-protected against life's uncertainties.
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arnoldussenins · 4 days
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Importance Of Business Insurance in Paso Robles and Santa Maria, CA
Investing in an automobile is not avoidable. Indeed, taking care of the daily commute, shopping for essentials, and ensuring outings on weekends can be managed admirably when one has a car. One must be sure to buy appropriate car insurance in Paso Robles and San Luis Obispo, CA. This is not only the best way to ensure financial well-being in the aftermath of an accident but is also a legal necessity in most states. ​  Sure, a few young individuals are nonchalant about insurance coverage and choose to buy only basic insurance to remain compliant with state regulations. Sadly, this may result in steep expenses in the future, especially when involved in an accident. The trick is to buy the right coverage without resorting to excesses.
Wondering about the right amount of insurance coverage would be foolhardy. The rule of thumb here is to buy coverage equal to or slightly less than one’s net worth. The cost does seem to be too much and excessive. It is essential to be covered by enough insurance to pay for all damages without having to put the home and other assets at risk.
Some of the essential coverage to lower the financial risks in the aftermath of an accident, regardless of being at fault, are:-
· Collision coverage · Comprehensive coverage · Liability insurance · Personal injury protection · Medical payment coverage · Uninsured motorist coverage · Underinsured motorist coverage · Gap insurance
Buying full coverage is deemed to be a smart move. While having basic liability coverage can help one to remain free from legal complexities, full coverage includes collision & comprehensive coverage in addition to liability. Being covered for collision and having comprehensive coverage includes compensation for repairs and replacement of parts if needed. Moreover, the latter will have the insurance company paying for auto damage caused by vandalism, falling objects, and collision with stationary objects and animals.
Optional Coverage
The car owner has the option of buying additional coverage, too. This is usually smart, especially when covered for uninsured/underinsured motorists. When the at-fault driver does not carry insurance or is covered for the basic requirement, the car owner has to bear the repair costs. The above-mentioned coverage comes in handy in such circumstances. Almost all insurance companies also offer the following additionally:-
· Glass coverage · Medical payments · Roadside assistance
One may also consider a few extras that are pretty affordable and helpful to have when the automobile becomes unavailable for a short period:
· Rental reimbursement · New-car replacement insurance · Rideshare insurance · Mechanical breakdown coverage · Classic car insurance
A business owner can deal with the challenges by opting for business insurance in Paso Robles and Santa Maria, CA, and other business-related insurance coverage that lessens all associated financial risks. 
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