Her father giving a hard time because I am still in school without a job...
Looking for thoughts and opinions... I’m a 24 year old student, finishing up my undergrad this year, on track to doing a masters, and eventually med school. I met someone (24 yr old) through a good friend who is an out of state student at the med school in my city. Although I am behind 2-3 years to her (started late), we learned early on that we wanted to marry each other, despite the fact I will still be in school when she graduates. We have known each other now over 1.5 years. We told our moms from the moment we realized we wanted to get married about each other. We have kept everything halal from day one. We knew this is not something we want to postpone, considering I still have a few years of school. We are aware of how islamically it is not good to wait too long to marry when you already met someone. Anyway, the issue here is her father. He doesn’t like that I have not yet gotten my undergrad and also that I am not working. Although I used to work, my father convinced me to stay home and focus on my studies and that he will provide for me an allowance. Alhamdulilah I’m very grateful for him and I am aware most people don’t get this kind of opportunity. I try to compensate by doing more around the house and other errands. My father insisted on even providing for me and the girl once I marry her until I can start my career. Again, incredibly thankful for his supporter. He understands that I am still in school, working towards my career. He also loves the girl very much, he is willing to support us through our journey. Alhamdulilah for parents like this. Literally everyone is on board. Her whole family understands the situation and are accepting of it, except her father. Every time she tries to speak to him about us, he continues to give excuses like, how is he going to support you without a job. What will he do if you get pregnant or sick. Excuses that are either silly, or ones that we’ve aleatory addressed. Alhamdulilah I will be able to provide for her, through my fathers assistance at least the first 2-3 years, so money is not an issue, even if I am not working. And it’s not like I am sitting at home doing nothing. I am a full time student. This is my job. Her father once told her that once I get my undergrad degree, we will then talk. She recently was fed up with his delaying and stood up to him, insisting that as soon as I graduate, we are doing our katb, or nikkah. He replied with “iA khair”. Thought the last 1.5 years, I’ve sat down with both older brothers, her mom, and her dad, each separately, basically interrogated by each, and after all that, they all realized that yes the timing is not best, but in the end of the day it is our decision. Everyone except the father. He still continued to give excuses. We just recently invited the parents and her over for dinner. We didn’t talk about anything regarding marriage. Just a “get to know each other” ordeal. Me and the girl want to do a Fatiha in January and thought that by having them over for dinner, it would make the processes easier. Even after the dinner, she tells me her father is still giving excuses. What’s confusing is why would you accept our dinner invitation if you have issues with this, and not even talk about any of the problems you have when you were over our house... I mean he has never said “No” but is just giving excuses and a hard time. Which by the way is haram to do. Not too be that guy, but aH I have a great relationship with everyone in the community, he could go ask whoever he wants, and they will all say good things about me and my family. I’m only saying this to show that it’s not like he would be marrying his daughter off to a bad family. To add to that, now I’m no perfect Muslim, but the man sees me every single Jum3a at the masjid. Again, it’s not like he’s marrying his daughter off to someone who doesn’t pray or tries to do his best with his deen. Again, I say these things in the most humble of way, but it’s just to show that islamically, I’m not a bad guy, my family isn’t a bad family. So it’s confusing as to what is preventing him from making this easy. It seems like he’s embarrassed to marry his daughter off to someone who will still be in school when she’s out. Or he might be expecting for a already accomplished doctor to come in, and not only financially support her, pay off her loans, but even support her family... I’ve spoken to our local imam and I insisted that he get involved. He recommended not to get involved unless the father continues to give issues after I graduate. We are 6 months away. The girl and I ARE in love, we’ve had plenty of time to learn that we are, we are committed to each other and will fight this until we get that contract. Of course with Allahs will and permission. For now, it’s just a waiting game until May. Any thoughts or opinions on the matter would be greatly appreciated!
CODE OF LAWS And it came to pass that once his campaign was completed, Artavardiya pitched his camp west of the Yamuna for the second time, the first having been before he had set out on his campaign and appraised the situation. Before him lay much desolation, and the pulling, tugging promise that he had made to that stewardess of the Saka those years ago. Yet he could not depart his people outright- the reforms he had made would crumble into the dust as quickly as they had come, the existing nobles who he had overthrown feeling challenged by his reign and returning, crawling out of the woodwork to destroy the reign of his son, who he had worked so hard to ensure a stable dynastic succession for. His legacy was already left, in song, in writing, in statue and in record, but he wished to as well leave an administrative legacy- a code. A code of laws, to govern the lands of his people after he was gone and make sure that they kept to the letter what he had always tried to do in spirit. As always, he began to write. I, your dashingly handsome and slightly better paid than before chronicler, am not a lawyer, and so must keep such as is written here limited to a table of contents. Note that he did not produce in person this entire document, and it is in fact the result of two-hundred-fifty years of law, that being the period from which the reign of Balemraj father of Kumaraj made his accession to the throne to the reign of Cisantahya, son of Maylerem, second son of Artavardiya the Tall, Maharaja of Aryavarta, Doom Upon His Enemies, Kin-Avenger, and He Who Crossed the World’s End. Yet it is an achievement, and foremost among its time! Oiyamorennam. BOOK I. Of Persons. TITLE I.OF THE ENJOYMENT AND PRIVATION OF CITIZENSHIP CHAPTER I. Of the enjoyment of citizenship CHAPTER II. Of the privation of citizenship TITLE II.OF ACTS BEFORE THE CIVIL AUTHORITIES CHAPTER 1. General ordinance CHAPTER II. Of acts of birth CHAPTER III. Of acts of marriage CHAPTER IV. Of acts of decease CHAPTER V. Of the amendments of acts of a civilo-military nature CHAPTER VI. Of the amendments of acts of a civil nature TITLE III.OF DOMICILE TITLE IV.OF ABSENT PERSONS CHAPTER I. Of presumption of absence CHAPTER II. Of the declaration of absence CHAPTER III. Of the effects of absence Section 1. Of the effects of absence, as respects the property possessed by the absentee at the date of his disappearance Section 2. Of the effects of absence with regard to eventual rights which may belong to the absentee Section 3. Of the effects of absence, as they relate to marriage CHAPTER IV. Of the superintendence of those who are without guardians TITLE V.OF MARRIAGE CHAPTER I. Of the qualities and conditions required in order to be able to contract marriage CHAPTER II. Of the formalities relative to the celebration of marriage CHAPTER III. Of oppositions to marriage CHAPTER IV. Of health before and after marriage CHAPTER V. Of the obligations accruing from marriage CHAPTER VI. Of the respective rights and duties of married persons CHAPTER VII. Of the respective attire and requirements of married persons TITLE VI.OF DIVORCE CHAPTER I. Of the reasons for divorce TITLE VII.OF PATERNITY AND FILIATION CHAPTER I. Of the filiation of legitimate children, or those born in marriage CHAPTER II. Of the proofs of the filiation of legitimate children TITLE VIII.OF ADOPTION AND FRIENDLY GUARDIANSHIP CHAPTER I. Of adoption CHAPTER II. Of friendly guardianship TITLE IX.OF PATERNAL POWER TITLE X.OF MINORITY, GUARDIANSHIP, AND EMANCIPATION CHAPTER I. Of minority CHAPTER II. Of guardianship Section 1. Of the guardianship of father and mother Section 2. Of the guardianship appointed by the father or mother Section 3. Of the guardianship of ancestors Section 4. Of guardianship appointed by the family council Section 5. Of the supplementary guardian Section 6. Of the causes which excuse from guardianship Section 7. Of incapacity, exclusion, and deprivation of guardianship Section 8. Of the guardian's administration Section 9. Of the accounts of the guardianship TITLE XI. OF MAJORITY, INTERDICTION, AND THE JUDICIAL ADVISER CHAPTER I. Of majority CHAPTER II. Of interdiction CHAPTER III. Of the judicial adviser BOOK II. Of Property, and the Different Modifications of Property. TITLE I. OF THE DISTINCTION OF PROPERTY CHAPTER I. Of immoveable property CHAPTER II. Of moveable property CHAPTER III. Of property, with reference to those who are in the possession of it TITLE II. OF PROPERTY CHAPTER I. Of the right of accession over the produce of any thing CHAPTER II. Of the right of accession over what is connected and incorporated with any thing Section 1. Of the right of accession relatively to things immoveable Section 2. Of the right of accession relatively to moveable property TITLE III. OF USUFRUCT, RIGHT OF COMMON, AND OF HABITATION CHAPTER I. Of usufruct Section 1. Of the rights of the usufructuary Section 2. Of the obligations of the usufructuary Section 3. Of the manner in which usufruct is put an end to CHAPTER II. Of common and habitation TITLE IV. OF SERVITUDES OR MANORIAL SERVICES CHAPTER I. Of servitudes derived from the situation of places CHAPTER II. Of servitudes established by law Section 1. Of the party-wall and ditch Section 2. Of the distance and intermediary works required for certain buildings Section 3. Of views over a neighbor's property Section 4. Of the droppings of house-eaves Section 5. Of the right of way CHAPTER III. Of servitudes established by the act of man Section 1. Of the different species of servitudes which may be established over property Section 2. Of the mode of establishing servitudes Section 3. Of the rights of the proprietor of the estate to which the servitude is due Section 4. Of the manner in which servitudes are extinguished BOOK III. Of the Different Modes of Acquiring Property. GENERAL DISPOSITIONS TITLE I. OF SUCCESSIONS CHAPTER I. Of the opening of successions and of the designation of heirs CHAPTER II. Of the qualities requisite to succeed CHAPTER III. Of the different orders of succession Section 1. General dispositions Section 2. Of representation Section 3. Of successions devolving upon descendants Section 4. Of successions devolving upon ancestors Section 5. Of collateral successions CHAPTER IV. Of irregular successions Section 1. Of the rights of natural children over the property of their father or mother, and of the succession to natural children dead without issue Section 2. Of the rights of the surviving conjunct and of the republic CHAPTER V. Of the acceptance and repudiation of successions Section 1. Of acceptance Section 2. Of the renunciation of successions Section 3. Of the privilege of inventory, of its effects, and of the obligations of the beneficiary heir Section 4. Of vacant successions CHAPTER VI. Of division and restitution Section 1. Of the action for division and of its form Section 2. Of restitutions Section 3. Of payment of debts Section 4. Of the effects of distribution and of the warranty of the lots Section 5. Of annulment of distribution TITLE II. OF DONATIONS DURING LIFE AND OF WILLS CHAPTER I. General regulations CHAPTER II. Of the capability of disposing or of receiving by donation during life or by will CHAPTER III. Of the disposable portion of goods, and of reduction Section 1. Of the disposable portion of goods Section 2. Of the reduction of donations and legacies CHAPTER IV. Of donations during life Section 1. Of the form of donations during life Section 2. Of exceptions to the rule on the irrevocability of donations during life CHAPTER V. Of testamentary dispositions Section 1. Of general rules on the form of wills Section 2. Of particular rules touching the form of certain wills Section 3. Of appointment of heir, and of legacies in general Section 4. Of the general legacy Section 5. Of legacy by general title Section 6. Of particular legacies Section 7. Of testamentary executors Section 8. Of the revocation and of the lapse of wills CHAPTER VI. Of dispositions permitted in favor of the grand-children of the donor or testator, or of the children of their brothers and sisters CHAPTER VII. Of distributions made by the father, mother, or other ancestors, among their descendants CHAPTER VIII. Of donations made by the marriage-contract to the parties, and to children to he born of the marriage CHAPTER IX. Of dispositions between married persons, either by contract of marriage, or during marriage TITLE III. OF CONTRACTS OR CONVENTIONAL OBLIGATIONS IN GENERAL CHAPTER I. Preliminary regulations CHAPTER II. Of conditions essential to the Validity of agreements Section 1. Of consent Section 2. Of the capacity of the contracting parties Section 3. Of the object and matter of contracts Section 4. Of the cause CHAPTER III. Of the effect of obligations Section 1. General regulations Section 2. Of the obligation of giving Section 3. Of the obligation to do or not to do Section 4. Of damages and interest resulting from the non-performance of the obligation Section 5. Of the interpretation of agreements Section 6. Of the effect of agreements as respects third persons CHAPTER IV. Of the different species of obligations Section 1. Of conditional obligations 1. Of conditions generally, and of their different kinds 2. Of the suspensive condition 3. Of the conditions of dissolution Section 2. Of obligations for a term Section 3. Of alternative obligations Section 4. Of obligations joint and several 1. Of creditors jointly and severally interested 2. Of debtors jointly and severally interested Section 5. Of obligations divisible and indivisible 1. Of the effects of the divisible obligation 2. Of the effects of an indivisible obligation Section 6. Of obligations with penal clauses CHAPTER 5. Of the extinction of obligations Section 1. Of payment 1. Of payment in general 2. Of payment with substitution 3. Of the application of payments 4. Of tenders of payment, and of deposit 5. Of the cession of property Section 2. Of novation Section 3. Of the remission of a debt Section 4. Of compensation Section 5. Of confusion Section 6. Of the loss of the thing due Section 7. Of the action for nullity, or for rescission of agreements CHAPTER 6. Of the proof of obligations and of that of payment Section 1. Of literal proof 1. Of an authentic document 2. Of an act under family seal 3. Of tallies 4. Of copies of documents 5. Of acts of recognition and confirmation Section 2. Of testimonial proof Section 3. Of presumptions 1. Of presumptions established by law 2. Of presumptions which are not established by law Section 4. Of the acknowledgment of the party Section 5. Of oath 1. Of the oath done privately 2. Of the oath officially administered TITLE IV. OF ENGAGEMENTS WHICH ARE FORMED WITHOUT CONTRACT CHAPTER I. Of quasi-contracts CHAPTER II. Of crimes and quasi-crimes TITLE V. OF THE CONTRACT OF MARRIAGE AND OF THE RESPECTIVE RIGHTS OF MARRIED PERSONS CHAPTER I. General regulations CHAPTER II. Of the law respecting community Part 1. Of legal community Section 1. Of that which composes community actively and passively 1. Of the active part of community 2. Of the passive part of community, and of actions which result therefrom against the community Section 2. Of the administration of the community, and of the effect of the acts of either of the married parties relating to the conjugal union Section 3. Of the dissolution of community and of some of its consequences Section 4. Of the acceptance of community, and of the renunciation which may be made thereof, with the conditions relating thereto Section 5. Of the distribution of the community after acceptance 1. Of the partition of the active 2. Of the passive in the community, and of contribution to debts Section 6. Of the renunciation of community and of its effects Regulation relative to legal community, when one of the married parties or both of them have children of previous marriages Part 2. Of conventional community, and of agreements which may modify and even exclude legal community Section 1. Of community confined to property acquired Section 2. Of the clause which excludes from the community the moveable property in whole or in part Section 3. Of the clause making moveable Section 4. Of the article of separation of debts Section 5. Of the power granted to the wife of resuming her contribution free and unencumbered Section 6. Of conventional reversion Section 7. Of the articles by which unequal portions in the community are assigned to either of the married parties Section 8. Of community by general title Regulations common to the eight preceding sections Section 9. Of agreements excluding community 1. Of the clause implying that the parties marry without community 2. Of the clause of separation of property CHAPTER III. Of regulation of dowry Section 1. Of settlement of dowry Section 2. Of the rights of the husband over the property in dowry, and of the inalienable nature of the funds of the dower Section 3. Of the restitution of dower Section 4. Of paraphernalia Particular regulation TITLE VI. OF SALES CHAPTER I. Of the nature and form of sales CHAPTER II. Who may buy or sell CHAPTER III. Of things which may be sold CHAPTER IV. Of the obligations of the seller Section 1. General regulations Section 2. Of delivery Section 3. Of warranty 1. Of warranty in case of eviction 2. Of warranty against defects in the thing sold CHAPTER V. Of the obligations of the purchaser CHAPTER VI. Of the nullity and rescinding of sales Section 1. Of the power of repurchase Section 2. Of annulling sales for cause of injury CHAPTER VII. Of auctions CHAPTER VIII. Of the transfer of credits and other incorporeal rights TITLE VII. OF BARTER TITLE VIII. OF THE CONTRACT OF HIRING CHAPTER I. General regulations CHAPTER II. Of the hiring of things Section 1. Of the rules common to leases of houses and rural property Section 2. Of particular rules in leases Section 3. Of the rules peculiar to farming leases CHAPTER III. Of the hiring of labor and industry Section 1. Of the hiring of domestics and artificers Section 2. Of carriers by land and by water Section 3. Of estimates and works by contract CHAPTER IV. Of lease in chattel Section 1. General regulations Section 2. Of simple chattel Section 3. Of chattel by moiety Section 4. Of chattel given by the proprietor to his farmer or joint cultivator 1. Of chattel given to the farmer 2. Of chattel given to the joint cultivator Section 5. Of the contract improperly called chattel TITLE IX. OF THE CONTRACT OF PARTNERSHIP CHAPTER I. General ordinances CHAPTER II. Of the different species of partnerships Section 1. Of general partnerships Section 2. Of particular partnerships CHAPTER III. Of the engagements of partners among themselves, and with regard to third persons Section 1. Of the engagements of partners to each other Section 2. Of the engagements of partners with respect to third persons CHAPTER IV. Of the different modes by which partnership is put an end to Disposition relative to commercial partnerships TITLE X. OF LOANS CHAPTER I. Of loan for use, or gratuitously Section 1. Of the nature of loan for use Section 2. Of the engagements of the borrower Section 3. Of the engagements of the party who lends for use CHAPTER II. Of loan for consumption, or simple loan Section 1. Of the nature of the loan for consumption Section 2. Of the obligations of the lender Section 3. Of the engagements of the borrower CHAPTER III. Of loan on interest TITLE XI. OF DEPOSIT AND SEQUESTRATION CHAPTER I. Of deposit in general and of its different species CHAPTER II. Of deposit properly so called Section 1. Of the nature and essence of the contract of deposit Section 2. Of voluntary deposit Section 3. Of the obligations of the depositary Section 4. Of the obligations of the party by whom the deposit was made Section 5. Of necessary deposit CHAPTER III. Of sequestration Section 1. Of the different descriptions of sequestration Section 2. Of conventional sequestration Section 3. Of judicial sequestration or deposit TITLE XII. OF ALEATORY CONTRACTS CHAPTER I. Of play and betting CHAPTER II. Section 1. Of the conditions requisite to the validity of the contract Section 2. Of the effects of the contract between the contracting parties TITLE XIII. OF PROCURATION CHAPTER I. Of the nature and form of procuration CHAPTER II. Of the obligations of the agent CHAPTER III. Of the obligations of the principal CHAPTER IV. Of the different modes in which procuration is terminated TITLE XIV. OF SECURITY CHAPTER I. Of the nature and extent. of security CHAPTER II. Of the effect of security Section 1. Of the effect of security between the creditor and the surety Section 2. Of the effect of security between debtor and surety Section 3. Of the effect of security between co-aurelies CHAPTER III. Of the extinction of security CHAPTER IV. Of legal and judicial security TITLE XV. OF THE COMPOUNDING OF ACTIONS TITLE XVI. OF PERSONAL ARREST IN A CIVIL MATTER TITLE XVII. OF PLEDGING CHAPTER I. Of pawning CHAPTER II. Of antithesis TITLE XVIII. OF PRIVILEGES AND MORTGAGES CHAPTER I. General enactments CHAPTER II. Of privileges Section 1. Of privileges over moveables 1. Of general privileges over moveables 2. Of privileges over certain moveables Section 2. Of privileges over immoveables Section 3. Of privileges which extend over moveables as well as immoveables Section 4. Of the manner in which privileges are preserved CHAPTER III. Of mortgages Section 1. Of legal mortgages Section 2. Of judicial mortgages Section 3. Of conventional mortgages Section 4. Of the order of mortgages with regard to each other CHAPTER IV. Of the mode of enrolment of privileges and mortgages CHAPTER V. Of cancelling and reducing enrolments CHAPTER VI. Of the effect of privileges and mortgages against third persons in wrongful possession CHAPTER VII. Of the extinction of privileges and mortgages CHAPTER VIII. Of the mode of clearing property of privileges and mortgages CHAPTER IX. Of the mode of exonerating from mortgages, where no enrolment exist, over the property of husbands and guardians CHAPTER X. Of the publicity of the registers, and of the responsibility of the keepers TITLE XIX. OF FORCIBLE EJECTMENT, AND OF THE ORDER AMONG CREDITORS CHAPTER I. Of forcible ejectment CHAPTER II. Of the order and distribution of the price among the creditors TITLE XX. OF PRESCRIPTION CHAPTER I. General ordinances CHAPTER II. Of possession CHAPTER III. Of the causes which prevent prescription CHAPTER IV. Of the causes which interrupt, or which Suspend the course of prescription Section 1. Of the causes which interrupt prescription Section 2. Of the causes which suspend the course of prescription CHAPTER V. Of the time required in order to prescribe Section 1. General ordinances Section 2. Of a thirty years' prescription Section 3. Of prescription by ten and twenty years Section 4. Of some particular prescriptions
(This essay was inspired by Thomas Ligotti's "Notes on the Writing of Horror". Anyone hoping to get better at writing horror should also check that story out, as it does a way better job than mine at explaining the true essence of this craft.) Hello reader! In the following musings I’m going to share some of my thoughts on writing horror but before I begin, I would like to clear up that I’m aware of the fact that I’m NOT preaching gospel here. I firmly believe that it is always up to the author to decide what is best for his story (even if you have to break a few bones rules to tell it). I’m breaking one right now, since the use of contractions is normally considered “informal”. Still, I like to use it as a disarming tool for lowering the audience’s guard. Apparently, it makes me come of as friendlier, since it makes my authorial voice seem more interested in you, the beautiful and intelligent reader, as a unique individual with his/her own dreams. This is a tangent, but the reason a first-person narrator is so common in horror literature is because of this very reason; it’s an easy trick to instantly get more sympathy for your main character. Another rule I'm going to break is calling attention to the fact that this is actually just a story, like any other. Due to the disturbing nature of horror, I’d really like to avoid misleading anyone faint of heart without them really knowing it at first. I find it impossible to discuss this subject without a demonstration though, so I apologize in advance for the examples. Furthermore, I’d like to emphasize that it's knowing when to break these rules what begets good storytelling, not doing gimmicks just to feel special or unique. At the end of the day, we writers can only hope the audience will keep reading till the last paragraph because they trusts us enough as storytellers to guide them through a cohesive narrative. Along with an appreciation for the rules of storytelling, I'm going to rip off Stephen King's On Writing here, and recommend that you view these three concepts as different tools for the toolbox that is your mind. You can apply them skillfully to work on a variety situations, but you'll never fix the underlying problem if you're using a wrench when you need a screwdriver. More than anything else, I'd also like to use this essay to express what, to me, writing horror is really about. Like everything else we humans do, I find it's an ultimately futile endeavor to understand the nature of our universe and the meaning of our existence, trying to apply meaning to an aleatory reality that doesn't have one. Now that we have that out of the way, let's get started! The first of these tools we’re going to talk about is word choice, an important foundation for the experience you are trying to create. A very helpful analogy is to think of each individual word as images that you are placing into your reader's mind. In a way, writing becomes similar to painting a picture for your audience, in that you are creating an image that provokes some emotion inside of them. In the case of writing horror this means we authors have a duty to inspire fear, dread, and angst in all of our readers (hopefully long after they finished reading!). Using the right words, we're supposed to force the reader to unwillingly imagine gut-wrenching thoughts in gruesome scenes that, if it weren't for us horror writers, no sane person would ever think of themselves. The hard part of writing, though, comes up when you decide how to actually go about doing this. For example, there's nothing inherently wrong with a sentence like: "The zombie sodomized a helpless victim until his penis fell off, still stuck inside the man after he stumbled back." When you sit down and think about it, it's actually quite amusing, if you have a twisted sense of humor. Another side-tangent here, but during anything related to sexual violence, remember to make the victim male, since for some reason it’ll make it less abrasive for those following the narrative. I’d question the logic of anyone sensitive to descriptive gore for reading horror in the first place, but we writers can't really control who reads our stories. I always say that it is the duty of writers to go against social taboos, but that's just me. Anyway, back to the example! The shocking scene this sentence is trying to display can be executed much more effectively displaying action (instead of just saying what happens) and using sensory language like: "The zombie's uncircumcised penis, violet from decay, melted into the paralyzed victim's anus and squished into his excremental cavity like a rotten banana full of maggots. Feeling the worms wiggle on the walls of his rectum, the screaming man pleaded for mercy, unheard, as the monster's thrusting accelerated into a rhythmic pace with a pleasurable grunt. The victim then instinctively clenched his buttocks tightly and unintentionally severed the corpse's cyst riddled sexual organ with his cheeks, popping it like a ballon full of puss that left a large chunk of yellow cartilage and putrid flesh painfully nested inside of him.” Of course, if you abuse this technique too much, you'll end up exhausting the audience's emotions far too early in the story. After all, shock and awe can only get you so far. This is where the second tool in our inventory, structure, comes in. We've all heard the same old guidelines since elementary school but it begs repeating. Structuring your ideas into a workable mold will make them more understandable to a broader audience. Much more than this though, it provides the writer a good way to keep track of tension and when to deliver on his story's rising sense of dread. A lot of this comes down to personal preference, but what I've found works for me is to: 1- Establish an idea 2- Build suspense with it 3- Write a traumatic, yet inevitable, climax. After subconsciously accustoming the reader to my pacing, I like to keep them on their toes by doing what I like to call a cycle of tension, repeating steps 1 & 2 to build suspense, until I finish the story with a nerve wrecking pay off. Much like the zombie in our former example, we're supposed to place our horrifying ideas (a mutilated sexual organ in this simile), forcefully and without care unto the minds the unwitting readers, while maintaining a steady pace that climaxes horrendously, right up until the audience is left feeling painfully nested with a portion of the author inside of them after they finish reading, only not in their bodies and minds, but in their spirit as well. The third tool I'd like to recommend is to develop an intimate understanding of human behavior and the nature of suffering. I've always had a bit of an autistic personality, so in my case, I’ve worked especially hard to develop this part of my craft. I like to go out for walks around the city and sit on park benches to people-watch, though you should probably figure out yourself what location works best for inspiring a creative mood inside of you. After a while of learning your environment, you'll start to notice the many people that frequent the spot you chose. It won't be immediate but eventually, like with true love, you will see a person that stands out above the crowd and you'll know that you finally found a main character for your story. Knowing your character is the most important facet of creating a compelling protagonist. You'll want someone innocent, maybe a single mother working two jobs (like in the book I'm currently in the process of publishing), that the audience can sympathize with easily. What I did for Diane, the main character of my latest book, is stalk her habitually in an effort to learn her daily routines. After seeing her flex her firm body during yoga, every Saturday for a whole month, I followed her from the park to her home and memorized what she did every day. When I collected enough information to plan her kidnaping without getting caught, I chloroformed her in an alley while she was out at night and dragged her beautiful, sleeping, flesh back to my moldy basement. I then chained her to my boiler and spent the next few days recording her reactions to the various forms of torture I put her through. I know, it sounds like a lot of hard work just to find a protagonist, but if you want to write a truly great story, you need to be willing to put in the effort to bring out its full potential. I would like to encourage experimenting with different types of horror while torturing your character. Try to delve deep into what makes you afraid the most and use it as inspiration for your art! It's a bit embarrassing to admit, but the zombie example I wrote earlier was inspired by a recent fear I had. While I was repeatedly hammering Diane's pussy with my herpes-infected penis, I had a great epiphany for a horrible thing to write. I thought: "Wouldn't it be scary if my dick just melted off right now?", so after I left Diane glazed all over her body with my cum, I went to my trash and got a rotten banana I'd thrown out a few days prior. Curious about how she'd react to it in my story, I shoved the maggot infested fruit into her pleasure hole and wiggled it around like a soggy dildo tickling her vagina. That night, Diane’s screams were unlike anything I'd heard before, almost glass-shattering when she first felt the worms! If your characters ever ask you "Why?" in between their screams, my advice would be to reply with: "There is no why!" in a loud tone of voice. Existential horror is one branch I‘ve found most effective during my younger years, and I’m of the opinion one can never express true anguish until you've seen a person give up on life. Diane actually asked me that question, again and again, when I smashed her baby's soft head into the concrete floor. Honestly, I'd never seen a human look so progressively defeated after I gave her my answer to the question, again and again. The fact that I'm telling the truth doesn't make it any less impactful. It's only recently that I’ve accepted it, too. Human existence is so arbitrary and random, that in the grand scheme of things, there really is no good reason to act accordingly to the expectations of society (or anyone for that matter). Anyway, I hope this essay was useful to any aspiring authors hoping to get better at their craft. Word choice, structure, and a nihilistic attitude towards life are some of the most effective tools a horror writer can have at their disposal. Remember, by unleashing unspeakable suffering upon other humans, you can get first hand experience on how real people react to these situations. This isn't exactly a cakewalk, and it can morph your world view into a sanity-shattering nightmare, but it will help you write scarier stories! It won't help you write better fiction though, but why would you want it to? A human can't really come up with anything scarier than reality itself. Still, ever since I finished studying Diane, I've been enamored by an idea for my next book. It's simple really, I just want my next few string of reluctant protagonists to be people reading through past things I've submitted on Reddit. I'm hypothesizing that readers of terror will give the best reactions when faced with the absurdity of the universe; me watching them quietly and them thinking they're completely safe. I'm actually staring at one right now, silently, waiting for my new character to slowly lower their gaze down the page, until stumbling upon this very sentence. They'll probably look up immediately after they finish reading, just to make sure I won't really do anything to them, though by that point... Heh, well, it'll be too late for them. This isn't the easiest method for producing a quality story, but no one ever said writing good horror was easy. Time to work on another book!
[Table] IAmA: I'm an insurance representative for one of the largest insurance companies in the US, here to answer your questions about insurance and the way insurance companies work. AMA
Verified?(This bot cannot verify AMAs just yet) Date: 2013-09-08 Link to submission (Has self-text)
Well, I mean, I'd go ahead and call the insurance company and let them know. You don't want to have too much time between the loss and the claim. They might say that more damage occurred, so if you haven't called the insurance company, I'd go ahead and do that. They'll send out an adjuster, who should call you before coming out, and you can meet him face-to-face, yeah, which should take a couple days. You can get the estimates in that time. I work for a company that has agents in town, so I always advocate that it's best to go with a company that does have agents, because you can establish a personal relationship with them. Long-time customers do get preferential treatment by the local agents (same as big-premium customers, too), but not "preferential" like, we'll bend the rules for you, but we might go a little further to solve your problem and take personal responsibility to make sure it goes through the right channels quickly.
As a business, you want to continue to make your customers happy. They bring their business to you because they like what you do for them and you provide the service they want for a good price. Some insurance companies provide better customer service than others. I represent a company that has agents in every city in America, so the benefit of my company is that you can establish personal relationships with the people you give your money to. Sure, there are some companies that I call "barebones operations", or "1-800 insurance" that isn't going to provide you with customer care, but that's what you chose.
If you want your insurance company to care about you, if that's something that is important to you, then go with a company that has a local agent and can give you personal service. You'll often find that those companies are just as cheap, if not cheaper than the "1-800 insurance" companies.
You need to get it appraised, since cars depreciate pretty quickly. If you take a car that's normally worth 4k according to Nada, and put 2k into fixing it, that doesn't increase its value to 6k.
Modified vehicles are different. You can say it's worth so much, but how does progressive know that? You need to provide an appraisal to show how much to insure the vehicle for.
Do you mean "percent"? I'd say 100% of the people that get into moderate-to-severe accidents. Americans are litigious. We like to sue people. So, if you don't have insurance and you hit someone with your car, they're going to come after you somehow. It's easier to pay $100/mo than it is to come up with $50,000 on the spot.
Wait until the claim gets settled before flipping your shit. Your friend will win this case, simply based on the fact that this teen girl was cited as being at-fault and your friend was not. The insurance company probably recognizes that their insured was at fault, but they're probably investigating in order to find some kind of comparative negligence (trying to see if your friend was at fault for any reason), so as not to have to pay the full amount. I wouldn't say they "weren't cooperating", but they're probably doing their own investigation and just not moving fast enough to make your friend's family happy. Everyone wants everything taken care of now, and the world just doesn't work that way.
Hopefully your friend filed a claim with her insurance company and went to the doctor. Sadly, since she's gotten a lawyer, the insurance company can no longer speak directly to your friend's family; they must now go through the lawyer, who is probably working on settlement-based pay, which will take anywhere from 30-40% of the settlement. Do you really think the lawyer is making this case his #1 case? That lawyer probably has a couple cases against that insurance company already, so the company might agree with that lawyer to go ahead and settle multiple cases at once in order to be done with it.
Shop around, but don't rely only on price to make your decision. Some companies will cut rates to get your business and then underwrite you afterwards, raising your rates at renewal (GEICO does this).
Customer service is important. Having an agent in town nearby is a huge benefit, because it allows you to establish a relationship, and if you have problems, you know exactly who you are talking to.
Multi-line discount if you can. Renters insurance, homeowners, etc. If you find an insurance company that doesn't offer homeowners insurance, find another company. Ideally you want to be with a company a long time because the longer you go with them, without accidents/tickets, the lower your rate should be. When you buy a house, you get an even further discount.
I don't really recommend that you cancel a life insurance policy, since your rate will never be better. Try to find a way to fit it in your budget, because if you need to re-write a policy years down the road, you are older and probably in not as good health. Cancelling the policy is not going to stop them from being insurable, but it will make the rate go up when you want to get it again.
Honestly, I think the biggest fraud is when people realize that some companies can give them insurance cards and pay later in the month, and then they just never pay. Too many people drive around these roads without insurance, but have ID cards that if they get stopped by the police, they can show they have insurance, which is BS.
The most frauds happen during natural disasters, people claiming they lost stuff they didn't, so fraud primarily happens with homeowner's or renter's insurance. The thing is, the deductible is high enough that they reconsider it. Like, getting a TV stolen isn't enough to make a claim on your renter's insurance that has a $1000 deductible, unless that TV was $4k.
All-in-all, I wouldn't say fraud is rampant. It happens, but only a small percentage of pay-outs are due to fraud.
That takes time to do. It was actually up for debate earlier this year whether every traffic stop would require the police to check the database. Not to mention that not all insurance companies report to that database.
Safeco has a great deductible if they're in your area. Nationwide and State Farm are probably the best when it comes to claims, but SF already insures practically everyone, so premiums can be higher. Allstate and GEICO suck when it comes to homeowners insurance.
Yes. You need to provide the insurance company with as much information as possible, because you don't want there to be any complications should the need to make a claim arise. Buying a new car is better than simply adding a 17 year old to the insurance, since you can get a multi-car discount. Tho you should not be driving a new vehicle. Whichever vehicle is older, thats the one you tell the insurance company you are driving. Also, look into good student discounts, young-driver discount programs, defensive driving courses, and if you aren't driving much other than to and from school, look into an "annual mileage" discount.
Liability does cover for loss of wages, and medical expenses, yes. However, if the other guy's insurance isn't enough, you will have to get a lawyer. Do you Remember seeing what kind of coverage he had?
Going to your insurance company, and subrogating, you can get paid and fixed up now. You can Let state farm handle the therapy bills, fixing your car (gotta pay the deductible), and loss of wages. They can collect that from the other insurance company once investigation is complete, which can take a long time. However, this is your choice.
Worst case scenario: you call up an insurance company to get a quote, if they underwrite you before they quote you, they'll see that you had a DUI and decide not to insure you. Best case: they will insure you.
Sounds like you've got a very interesting situation. I'm going to ask my agent about that, because I'm genuinely curious. Only one way to find out: start calling places for quotes.
You're right to some extent. If you have no assets, don't make much money, then state minimum is fine. If you own your home, I don't like to see anything less than 50/100.
Sure, progressive is competitive. Most major insurance companies are doing the snapshot thing. But, everyone's rates are going to be different. Insurance companies are a zero-sum business. There is going to be one company that is the cheapest for everyone, it's just an effort to find it.
Windshield damage is comprehensive damage, which is not a rateable claim. Some insurance companies will cover windshield damage, no problem, others require you to have a comprehensive deductible. Either way, it doesn't go against your insurance.
If someone struck your car with a shopping cart, then I'd recommend paying it yourself, since it is collision damage and most likely does not meet your deductible. Now, if you were the victim of a hit and run, then you should have filed a police report and filed a claim with your insurance company since the damage is most likely higher than your deductible.
Any damage to your car, get an estimate first, before making a claim. Some companies, if you make any kind of claim, goes against your record.
It really depends on what kind of musician you are. Because if you are being paid to perform somewhere and an instrument gets stolen while on a gig, it's actually the liability of the business owner, under loss of others property. If your instruments are kept at home and you do studio sessions out of your garage, they would be insured under your in-house business insurance policy, or homeowners property loss.
There are too many variables when it comes to random locations. Construction companies and film production companies generally know exactly where they're going to be, and can get special insurance for on-location jobs, which comes with a hefty premium.
You're comparing apples to oranges here. Liability for recording in a park, or putting on a show in a venue is not the same as construction. How do you establish negligence? Are the park Rangers negligible? Is the venue owner negligible? When an insurance company cannot establish the true possibility of risk, they decide not to take the risk altogether.
You need to be extroverted, have some kind of compassion for others, not get stressed easily, not get discouraged easily, and conscientious. People will tell you no, a lot. And you're not up an about often, so be okay with sedentary work.
Well, if the agency hires employees on a Sales+commission basis, then you could call commissions "bonuses", and then the agency might have a required minimum sales before commissions could be earned. That's really up to the independent agent.
Your insurance only covers your injuries if you're at fault if you have the proper coverage: Medical Payments. Motorcycles are such a high risk for injury, that they don't even offer MP coverage. The comprehensive and collision are much lower, but Motorcycles don't have the safety features that cars do to prevent bodily injury.
Insurance is an aleatory contract. You pay a minimum fee in order to protect yourself should something happen that would cause you to come out of pocket for a large lump sum. You could pay one month's premium and cause $30,000 in damage and call it a "great deal" or you could pay 10 years-worth of premiums and never have to use it and think it's a "crock of shit". Insurance isn't the gamble, insurance is the safety net should your gamble fail. People who have bad experiences with insurance companies, thinking that they're weaseling their way out of paying, tend to make the most noise about it, but they don't consider the billions of dollars per year that insurance companies pay out. If there is a legitimate claim that the coverage purchased unequivocally covers the circumstance and the insurance company is denying coverage, then a lawsuit should be in order, and you should switch insurance companies.
Last updated: 2013-09-13 11:17 UTC This post was generated by a robot! Send all complaints to epsy.
Aleatory contracts are contracts in which there is no obligation for one party to pay another party until a specific event takes place. Insuranceopedia explains Aleatory Contract Since insurers don't usually have to pay policyholders until they file a claim, most insurance contracts are aleatory contracts. What is an aleatory contract? As per the aleatory definition, it is the happening of something at random, not planned. Hence, this contract refers to insurance payouts that are not balanced. The insured has to keep paying the premiums and gets only coverage until the event occurs. A contract type in which the parties involved do not have to perform a particular action until a specific event occurs. Events are those which cannot be controlled by either party, such as natural disasters and death. Aleatory contracts are… Aleatory Contract A mutual agreement between two parties in which the performance of the contractual obligations of one or both parties depends upon a fortuitous event. The most common type of aleatory contract is an insurance policy in which an insured pays a premium in exchange for an insurance company's promise to pay damages up to the face amount of the policy in the event that one's house is destroyed by fire. aleatory contract - aleatorischer Vertrag; Kommentar: ein aleatorisches Rechtsgeschäft ist ein Rechtsgeschäft mit Wagnischarakter, der Erfolg hängt vom Zufall ab, beispielsweise eine Wette. Das Wort leitet sich von lat. alea (Würfel) ab und wird im deutschen auch verwendet. #1 Verfasser JB 25 Jul. 05, 15:35 Neue Antwort schreiben? Anmelden. Registrieren :-) automatisch zu 🙂 umgewandelt ... An aleatory contract is an agreement in which one of the parties, or both the parties reciprocally, are uncertain as to their obligation to perform. Basically, it is a contract that depends upon a chance occurrence. Examples of such contracts include gambling contracts and betting contracts. Aleatory contract — An aleatory contract is a contract in which the performance of one or both parties is contingent upon the occurrence of a particular event. The most common type of aleatory contract are insurance policies. An aleatory contract is an agreement whereby the parties involved do not have to perform a particular action until a specific, triggering event occurs. Events are those that cannot be controlled by... An aleatory contract is a type of contract where the parties’ obligation is linked to a future and uncertain event. In other words, the contracting parties promise to execute certain obligations or perform certain things upon the happening of a specific triggering event. Typically, we see aleatory contracts in: Gambling contract; Wagering contract Aleatory Contract — an agreement concerned with an uncertain event that provides for unequal transfer of value between the parties. Insurance policies are aleatory contracts because an insured can pay premiums for many years without sustaining a covered loss.
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