El seguro de comunidad de propietarios explicado de forma simple

Después de tanto tiempo ahorrando, acabas de comprar tu primer apartamento. ¡Felicidades! Ahora eres el orgulloso propietario de un apartamento y, te guste o no, miembro de una comunidad de vecinos y, como tal, responsable en parte del mantenimiento del edificio en el que vives. Obviamente, esto cuesta dinero y aquí es donde entran los fondos de la comunidad. Los fondos de comunidad varían en cada urbanización dependiendo de la calidad de la construcción, si hay piscinas y áreas de jardín para mantener, etc.

La poco envidiable tarea de asignar y administrar el presupuesto comunitario recae en el presidente de cada comunidad.

Uno de los primeros y más importantes problemas a los que se debe enfrentar un presidente es el seguro de comunidad. Por ley, cada comunidad debe tener una cantidad mínima de seguro de comunidad que incluya cobertura de edificios, seguro de responsabilidad civil y seguro contra daños por agua.

«¿Realmente lo necesito?» Probablemente te preguntarás. Bueno, supongamos que después de fuertes lluvias, el techo goteó y el agua inundó el edificio. Puedes intentar reclamar contra los promotores / desarrolladores si te apetece una larga disputa o simplemente reclamar al seguro de comunidad y dejar que la compañía de seguros reclame el dinero después. Sin este seguro, la comunidad y, en última instancia, tú como propietario mediante el aumento de las tarifas de la comunidad, tendríais que pagar la factura.

El pobre presidente de la comunidad ahora tiene una gran decisión que tomar. Obviamente, este quiere una cobertura adecuada al mejor precio; no quieres que gaste todo el dinero que tanto te costó ganar. Tampoco quiere asegurar en exceso y, de la misma manera, no quiere infrasegurar ya que, en el peor de los casos, los propietarios tendrían que compensar un déficit.

Cómo decidir el seguro de comunidad

Hay varios factores a considerar al decidir qué tipo y cantidad de cobertura de seguros de comunidad necesita la comunidad.

  1. Cobertura de edificios. Obviamente, el tejido de los edificios dentro de la urbanización debe estar asegurado. La cantidad de cobertura necesaria se basa en el área construida de la urbanización. Áreas como garajes y trasteros no necesitan tanta cobertura como el espacio habitable real. En general, se multiplican los m2 construidos de la urbanización por un coeficiente que depende de la ubicación y la calidad de construcción del edificio en cuestión.
  • Daño de agua de la comunidad. Como se mencionó anteriormente, si una tubería comunitaria estalla e inunda todo el edificio, entonces este riesgo debe estar asegurado.
  • Responsabilidad civil. La comunidad debe tener un seguro de responsabilidad civil contra posibles acciones legales y daños causados ​​a terceros. Esta cobertura entra en juego cuando, por ejemplo, una teja cae del techo y causa daños a un vehículo que pasa o, peor aún, a una persona.

Las coberturas anteriores son obligatorias por ley. Además de estas, hay coberturas adicionales disponibles para recargar la política. Estos incluyen daños ascéticos, coberturas de vidrio, defensa legal y daños por agua privada.

Así pues, la próxima vez que te quejes de los gastos de tu comunidad, recuerda en qué se gasta parte del dinero. Si bien el seguro de comunidad es un requisito legal y cada comunidad lo tiene, no debe tomarse como una alternativa a tu propio seguro personal de vivienda. 

Si quieres encontrar el mejor seguro de comunidad, usa un comparador de seguros para que encuentre la cobertura perfecta a las necesidades de tu comunidad y al mejor precio.

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  10. I want to share a message that has been spreading all over the internet that concerns the times we are living in. Whether you believe in God or not, this is a must read message!

    We can see throughout time how we have been slowly conditioned to come to this point where we are on the verge of a cashless society. Would it surprise you to know that the Bible foretold of this event? Don’t believe me? This may be the most imporant message you will read in these times…please do not ignore this!

    This messsage reveals what the Mark of the Beast is, and the meaning behind counting a number people have been pondering for centuries, 666. This message also shares why Barack Obama is the Antichrist. This is truly a message from God!

    In the Revelation of Jesus Christ given to the apostle John, we read:

    «He (the false prophet who deceives many by his miracles) causes all, both small and great, rich and poor, free and slave, to receive a mark on their right hand or on their foreheads, and that no one may buy or sell except one who has the mark or the name of the beast, or the number of his name.

    Here is wisdom. Let him who has understanding calculate the number of the beast, for it is the number of a man: His number is 666» (Revelation 13:16-18 NKJV).

    Referring to the last generation, this could only be speaking of a cashless society. Why? Revelation 13:17 tells us that we cannot buy or sell unless we receive the mark of the beast. If physical money was still in use, we could buy or sell with one another without receiving the mark. This would contradict scripture that says we must have the mark to buy or sell. So, it deduces itself to this conclusion.

    These verses could not be referring to something spiritual as scripture references two physical locations (our right-hand or forehead) stating the mark will be on one «OR» the other. It once again deduces itself to this conclusion.

    Also, how could you determine who truly has a spiritual mark so that they may buy or sell? And, as you will read further in this article, to have the mark of the beast is the same to have the name of the beast, or the number of its name. You will begin to see even more clearly why this mark cannot be something purely spiritual.

    Here is where it really starts to come together. It is shocking how accurate the Bible is concerning the RFID microchip. These are notes from a man named Carl Sanders who worked with a team of engineers to help develop this microchip in the late 1960’s.

    «Carl Sanders sat in seventeen New World Order meetings with heads-of-state officials such as Henry Kissinger and Bob Gates of the C.I.A. to discuss plans on how to bring about a one-world system. The government commissioned Carl Sanders to design a microchip for identifying and controlling the peoples of the world—a microchip that could be inserted under the skin with a hypodermic needle (a quick, convenient method that would be gradually accepted by society).

    Carl Sanders, with a team of engineers behind him, with U.S. grant monies supplied by tax dollars, took on this project and designed a microchip that is powered by a lithium battery, rechargeable through the temperature changes in our skin. Without the knowledge of the Bible (Brother Sanders was not a Christian at the time), these engineers spent one-and-a-half-million dollars doing research on the best and most convenient place to have the microchip inserted.

    Guess what? These researchers found that the forehead and the back of the hand (the two places Revelation says the mark will go) are not just the most convenient places, but are also the only viable places for rapid, consistent temperature changes in the skin to recharge the lithium battery. The microchip is approximately seven millimeters in length, .75 millimeters in diameter, about the size of a grain of rice. It is capable of storing pages upon pages of information about you. All your general history, work history, crime record, health history, and financial data can be stored on this chip.

    Brother Sanders believes that this microchip, which he regretfully helped design, is the «mark» spoken about in Revelation 13:16-18. The original Greek word for «mark» is «charagma,» which means a «scratch or etching.» It is also interesting to note that the number 666 is actually a word in the original Greek. The word is «chi xi stigma,» with the last part, «stigma,» also meaning «to stick or prick.» Carl believes this refers to a hypodermic needle (see photo).

    Mr. Sanders asked a Boston Medical Center doctor what would happen if the lithium contained within the RFID microchip leaked into the body. The doctor responded that if the microchip broke inside a human body, the lithium would cause a severe and painful wound filled with pus. This is what the book of Revelation says:

    «And the first (angel) went, and poured out his vial on the earth; and there fell a noisome and grievous sore on the men which had the mark of the beast, and on them which worshipped his image» (Revelation 16:2).

    THE HIDDEN MEANING BEHIND THE NUMBER 666 REVEALED!

    What I first want to mention, before I share what the Holy Spirit has revealed to me concerning the number of the beast, is that God confirms in threes. We can see this throughout scripture:

    «For there are three that bear witness in heaven: the Father, the Word, and the Holy Spirit; and these three are one» (1 John 5:7 NKJV).

    «and that He was buried, and that He rose again the third day according to the Scriptures» (1 Corinthians 15:4 NKJV).

    «…Holy, holy, holy, Lord God Almighty, Who was and is and is to come!» (Revelation 4:8 NKJV).

    There are many more examples, but I thought I would just share three of them to make the point.

    Examining Revelation 13:16,17,18, the first group of three I would like to point out is that the mark of the beast is described in three separate verses, 16, 17 and 18.

    The next three I see is in verse 16, «He causes all…» is followed by three contrasting categories of people,

    1 – «both small and great,
    2 – rich and poor,
    3 – free and slave…».

    Then unto verse 17, it opens with, «and that no one may buy or sell except one who has…», followed by three explanations of what one must have to buy or sell,

    1 – «…the mark
    2 – or the name of the beast,
    3 – or the number of his name».

    Now unto verse 18, we read «Let him who has understanding calculate…», which is followed by,

    1 – «the number of the beast,
    2 – for it is the number of a man:
    3 – His number is 666».

    The last three I see is the number «6» being used three times in a row. The reason I’m making this point about God confirming in three is because it is the key to unlocking how to calculate the number 666.

    Throughout the centuries there have been people trying to calculate numbers based on titles and names that come up to the number 666 to identify one person, the Antichrist; but from Revelation 13:18, I do not see where God is telling us to count up to 666, but rather to count the number of the beast. This number is identified as 666. So the verse is telling us to count the number 666.

    What does it mean to count? It means to add up. So how could we add up 666? Remember my previous point about God confirming in threes is key to unlocking the number 666. So logically, what would be the best way to count the number 666? To count it equally by using the rule of three based off the number.

    We cannot count it equally as 600+60+6, this would also bring us back to the start.

    We cannot count it as 600+600+600, or 60+60+60 because there are no zeroes in between or at the end of 666.

    The only logical option is 6+6+6=18.

    What is interesting is that the verse that reveals for us to count the number itself is verse 18 (there a total of 18 verses in Revelation Chapter 13), being the third verse out of the three verses that describe the mark of the beast in Revelation 13:16,17,18. What is 18 divided by 3? 6. So 3×6=18, or 6+6+6=18.

    Another interesting point is the only two other combinations (making a total of three possible combinations) for placing a «+» symbol in between 666 are:

    66+6=72 and 6+66=72.

    Add both 72’s together and you get 144.

    Why the number 144 is worth our attention is because the verse following Revelation 13:18 is the first time in the Bible where the 144,000 are being described in detail:

    «Then I looked, and behold, a Lamb standing on Mount Zion, and with Him one hundred and forty-four thousand, having His Father’s name written on their foreheads…» (Revelation 14:1).

    Now if you add up all three numbers from counting 666 by moving the «+» symbol around, it would be 72+72+18=162. What is compelling about the number 162, is, if you divide 144,000 by 162, you get 888. The name of Jesus in Greek gematria adds up to 888. The New Testament was originally written in the Greek language. Revelation 14:1 not only mentions the 144,000, but also the Lamb who is Jesus.

    Now what is interesting about the number for Jesus, 888, is that if you apply the same formula that was used to count 666, you get 8+8+8=24. Why the number 24? Revelation chapter 4 tells us there are 24 elders seated around the throne of God. This is the same throne where Jesus sits.

    Now if you take:

    8+8+8=24

    8+88=96

    88+8=96

    you get 24+96+96=216.

    Take 144,000 divided by 216 and you get 666.

    Remember that this was the same exact formula we used to count the number 666 that ultimately brought forth the number 888.

    Here is a quick recap to demonstrate how this formula confirms itself as being the true way to count 666:

    1: 6+6+6=18 > 66+6=72 > 6+66=72 > 18+72+72=162

    2: 144,000 divided by 162=888

    3: 8+8+8=24 > 88+8=96 > 8+88=96 > 24+96+96=216

    4: 144,000 divided by 216=666

    1: 6+6+6=18 > 66+6=72…

    As you can see, it is perpetual. And remember that we consistently used a formula that worked in threes being the number that God uses for confirmation.

    So what could this mean? Well we know in this world we are identified by numbers in various forms. From our birth certificate to social security, as well as our drivers license; being identified based on a system of ruler ship. So it is possible that this RFID microchip will contain a new identification that has a total of 18 characters (6+6+6).

    «here the wisdom is, the one having the mind let him calculate the number of the wild beast, number for «of human» it is, and the number of it 666″ (Revelation 13:1, Greek Translation).

    The Greek word «anthrōpos» being used in verse 18 where it says «of human» is the Greek strongs concordance G444. The first two definitions of the word are «a human being, whether male or female», and, «generically, to include all human individuals». Could the number of the beast apply to all mankind?

    In the Greek (the New Testament was originally written in the Greek language), and other translations, you will notice the beast is described as an «it», instead of «him». The reason I’m making this point is because when a translation says «His number is 666», this would imply a singular person, the Antichrist. But by saying «the number of it 666», implies that it is of the beast system as a whole.

    We can know the number of the beast cannot be to identify products (like a new barcode) to buy or sell because scripture says we cannot buy or sell without the number of the beast. What am I getting at? There will be instances where you could buy something someone made themselves and it wouldn’t have a store branded identification on it. But for this number to be in our chips, that is where it must be to conclude ultimately that we cannot buy or sell without having the number of the beast. As previously mentioned in Revelation 13:18, the number of the beast (6+6+6=18) is a «human number», definition «generically, to include all human individuals».

    «Why did the Biden campaign choose 30330? 2020 divided by 666 = 3.0330 Who believes this to be a coincidence? October 2020 Isaiah 53:6 Someone said we are being whipsawed in 2020. Truly a great division is taking place between good and evil—both symbolically and literally (riots, unrest, politics). If you take the current year 2020 and divide it by the number 666 (known for its satanic implications) you will get the number 30330 (repeated). This number 30330 happens to be the number used to vote for Joe Biden and Kamala Harris. Freaky? Supernatural? Odd for sure. Whatever this means, it doesn’t seem good to me. First, why would anyone knowingly choose those particular numbers for their campaign? If they weren’t knowingly chosen, then it appears to be a supernatural act by the evil one himself and I would want to change those numbers ASAP. And if the numbers were chosen knowing their significance, are you satanic? Is this campaign satanic? Either way I do not believe this is a coincidence. And one thing is certain, 2020 is truly being divided by Satan. He is the master deceiver and spreader of chaos. Jesus calls him the father of lies.»

    So I looked up this number 30330 concerning Joe Biden, and I found this information:

    If you send a text to that number (at that time), you would get a response asking to support Joe’s campaign to take down Donald Trump, with one part in caps saying «CHIP IN >>» pointing to a link to go and donate.

    «CHIP IN»? Obama has used this phrase in the past on his twitter and people believe it is a subliminal message to receive the mark of the beast, that is to say the implantable RFID microCHIP that will go IN our body.

    Go to: http://voice-truth.org to see all the proof!

    Is your name written in the Lamb’s book of life? Jesus says that we must be born again to enter the kingdom of God in the Gospel of John chapter 3.

    «Then a third angel followed them, saying with a loud voice, «If anyone worships the beast and his image, and receives his mark on his forehead or on his hand, he himself shall also drink of the wine of the wrath of God, which is poured out full strength into the cup of His indignation. He shall be tormented with fire and brimstone in the presence of the holy angels and in the presence of the Lamb. And the smoke of their torment ascends forever and ever; and they have no rest day or night, who worship the beast and his image, and whoever receives the mark of his name» (Revelation 14:9-11).

    BARACK OBAMA IS THE ANTICHRIST:

    In the Islamic religion they have man called the Mahdi who is known as their messiah of whom they are waiting to take the stage. There are many testimonies from people online who believe this man will be Barack Obama who is to be the biblical Antichrist based off dreams they have received. I myself have had strange dreams about him like no other person. So much so that I decided to share this information.

    He came on stage claiming to be a Christian with no affiliation to the Muslim faith…

    «In our lives, Michelle and I have been strengthened by our Christian faith. But there have been times where my faith has been questioned — by people who don’t know me — or they’ve said that I adhere to a different religion, as if that were somehow a bad thing,» – Barack Obama

    …but was later revealed by his own family members that he indeed is a devout Muslim.

    So what’s in the name? The meaning of someones name can say a lot about a person. God throughout history has given names to people that have a specific meaning tied to their lives. How about the name Barack Obama? Let us take a look at what may be hiding beneath the surface…

    «And He (Jesus) said to them (His disciples), ‘I saw Satan fall like lightning from heaven'» (Luke 10:18).

    In the Hebrew language we can uncover the meaning behind the name Barack Obama.

    Barack, also transliterated as Baraq, in Hebrew is: lightning

    baraq – Biblical definition:

    From Strongs H1299; lightning; by analogy a gleam; concretely a flashing sword: – bright, glitter (-ing, sword), lightning. (Strongs Hebrew word H1300 baraq baw-rawk’)

    Barak ‘O’bamah, The use of bamah is used to refer to the «heights» of Heaven.

    bamah – Biblical definition:

    From an unused root (meaning to be high); an elevation: – height, high place, wave. (Strongs Hebrew word H1116 bamah baw-maw’)

    The day following the election of Barack Obama (11/04/08), the winning pick 3 lotto numbers in Illinois (Obama’s home state) for 11/5/08 were 666.

    Obama was a U.S. senator for Illinois, and his zip code was 60606.

    The names of both of Obama’s daughters are Malia and Natasha. If we were to write those names backwards we would get «ailam ahsatan». Now if we remove the letters that spell «Alah» (Allah being the God of Islam), we get «I am Satan». Coincidence? I don’t think so.

    These are just a few of many evidences why Barack Obama is the Antichrist. You can see many more in my article on the website above, as well as read about the dreams I’ve had concerning this man. I’m more than convinced that God has shown me that he is without a doubt the Antichrist, and we will see him rise to power in the not so dinstant future.

    Jesus stands alone among the other religions who say to rightly weigh the scales of good and evil, and to make sure you have done more good than bad in this life. Is this how we conduct ourselves justly in a court of law? Bearing the image of God, is this how we project this image into our reality?

    Our good works cannot save us. If we step before a judge, being guilty of a crime, the judge will not judge us by the good that we have done, but rather the crimes we have committed. If we as fallen humanity, created in God’s image, pose this type of justice, how much more a perfect, righteous, and Holy God?

    God has brought down His moral law’s through the 10 commandments given to Moses at Mt. Sinai. These laws were not given so we may be justified, rather that we may see the need for a savior. They are the mirror of God’s character of what He has put in each and every one of us, with our conscious bearing witness that we know that it is wrong to steal, lie, dishonor our parents, and so forth.

    We can try and follow the moral laws of the 10 commandments, but we will never catch up to them to be justified before a Holy God. That same word of the law given to Moses became flesh over 2000 years ago in the body of Jesus Christ. He came to be our justification by fulfilling the law, living a sinless perfect life that only God could fulfill; even bringing the law to it’s truest light by stating, «You have heard that it was said to those of old, ‘You shall not commit adultery.’ But I say to you that whoever looks at a woman to lust for her has already committed adultery with her in his heart» (Matthew 5:27-28).

    The gap between us and the law can never be reconciled by our own merit, but the arm of Jesus is stretched out by the grace and mercy of God. And if we are to grab on, through faith in Him, He will pull us up being the one to justify us. As in the court of law, if someone steps in and pays our fine, even though we are guilty, the judge can do what is legal and just and let us go free. That is what Jesus did almost 2000 years ago on the cross. It was a legal transaction being fulfilled in the spiritual realm by the shedding of His blood.

    Because God is Holy and just, the wrath that we deserve could not go unnoticed. Through the perfect righteousness and justice of God’s character, it must be dealt with, it must be quenched, it must be satisfied.

    For God takes no pleasure in the death of the wicked (Ezekiel 18:23). This is why in Isaiah chapter 53, where it speaks of the coming Messiah and His soul being a sacrifice for our sins, why it says it pleased God to crush His only begotten Son.

    This is because the wrath that we deserve was justified by being poured out upon His Son. If that wrath was poured out on us, we would all die and go to hell. God created a way of escape by pouring it out on His Son whose soul could not be left in Hades, but was raised to life on the third day and seated at the right hand of God in power.

    So now when we put on the Lord Jesus Christ (Romans 13:14), God no longer sees the person who deserves His wrath, but rather the glorious image of His perfect Son dwelling in us, justifying us as if we received the wrath we deserve, making a way of escape from the curse of death.

    Now what we must do is repent and put our trust and faith in the savior, confessing and forsaking our sins. This is not just a head knowledge of believing in Jesus, but rather receiving His words, taking them to heart, so that we may truly be transformed into the image of God. Where we no longer live to practice sin, but rather turn from our sins and practice righteousness through faith in Him.

    Jesus answered, «Most assuredly, I say to you, unless one is born of water and the Spirit, he cannot enter the kingdom of God. That which is born of the flesh is flesh, and that which is born of the Spirit is spirit. Do not marvel that I said to you, ‘You must be born again'» (John 3:5-7).

    Come before the Lord with a contrite spirit, humble yourself, ask Him for His forgiveness, to receive the free gift of His salvation, to receive His Holy Spirit, so that you may be transformed into a new creature, into a child of the living God.

    There is a reason why the words of Jesus have been translated in to over 2000 languages, and nothing comes remotely close (the Quran just over 100), because there is a God in heaven who desires to have a relationship with you, to know Him through His word, as that is how we personally get to know anybody. There is a reason why it is the year 2021, because Jesus came to earth just over 2000 years ago fulfilling major prophecy causing a divide in our timeline.

    Jesus loves you! Seek Him while He may be found! We must repent and turn from practicing sin…for if we are not following Jesus, we are following the devil. There is no neatural ground. We are either living in the lie, or the truth. God bless you!

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  27. She laid out the rules and some scenarios. «Outer sex only. No kissing and no intercourse with the other man. You can tongue kiss me, and masturbate while another man licks me to multiple orgasms.You can watch and enjoy anything the other man does to pleasure me. You can please me by masturbating while our toyboy pleasures me.If the other man has a really attractive cock, I might suck him to orgasm while you watch. Needs to be much bigger than yours though. Much bigger!Or we can stand naked in front of a wall length mirror. You are behind me teasing my nipples. The other man is on…
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  28. After some over-kill on my butt one of them said,»Would you like to do your front yourself, or would you like us to do it for you?»»Would you please?» I replied as I turned over and lay slightly spread eagled for them.They were knelt either side if me, one of them blocking the view of my body from the prudes, not that I would have minded some of the prudes rubbing the cream all over my naked body, and they both managed to complete my arms and legs at the same time, the guy working on my legs had managed to avoid touching my pussy although he had got close a couple of times.All that…
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  33. ……….» Alana reached over and patter her friend on the leg and replied softly, «Well don’t you worry about it, baby, Alana is going to take care of everything, okay!?!» With a grateful look on her face, Jan smiled wanly and replied, «Thanks, Alana, you’re really a true friend!!!»Once they were parked, Alana turned to face Jan, and with loving tenderness, she kissed her softly on the mouth and whispered, «So that mean old husband of yours left you high and dry, huh, well don’t you worry about a thing, cuz mama’s gonna take good care of you hot little pussy!!!» After a couple of minutes…
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  34. But no I’m not gay. So congratulations to you, you’re now all caught up with our story.I woke up one morning feeling pretty bad for what I had done to Paul. I know that we are not officially a couple but I still shouldn’t have slept with my professor.I didn’t have class that day so I decided to do something special for him. I went to a crossdresser friendly store to pick out a naughty outfit. I think he would really like me wearing a nice satin teddy or something like that. I will also grab a nice looking wig some Stockings and to complete the outfit a pair of high heels, if I can learn to…
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  35. After all she hated her husband and was already in the process of divorcing him so she could be with Him. Yes Him. The Man she met 9 months ago that awakened her inner animal. Whose passion engulfed her and who showed her pleasure can be limitless with the right person. The thought of Him brings and evil grin to her face and she notices a dampening of the panties he told her to wear this evening. Yes she might still be married, but she belonged mind, body and soul to Him.The evening wears on and she suffers through it as best she can. Smiling at all the right times and people, laughing at…
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  36. From her body language I can tell she is trying hard not to respond to the stimulation. She loves cunnilingus, as she fights a losing battle. Her body soon is starting to give a few twitches, as my tongue hits the mark. My fingers are again moving slowly in and out of her cunt. Wendy’s body is starting to shudder as all her pleasure buttons are being manipulated and licked. Wendy’s eyes closed and she starts groaning. » Nooooo. Pleeeease. I can’t let you do this to me!!» She is rapidly losing the battle to control her orgasm, but still did not want me to make her cum. I sensed she had…
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  37. When all the kernels were exposed, Annabelle broke the ear free from the husk and held it up for Nicole to see.»Perfect size,» she said as she stepped behind Nicole. «All it needs now is a little bit of lube.»Nicole looked very confused, but then gasped loudly as something small with a rough knobbly surface was pushed into her ass. Her eyes were very wide as Annabelle stepped back in front of her and began shucking the large ear of corn.Once the large ear was ready, Annabelle again stepped behind Nicole. This time she reached her arms around Nicole’s body and began massaging Nicole’s…
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  38. Jake had a firm grip on my wrists and he squeezed them real tight. My dick was super hard and inches away from his face. «Suck my dick,» I told him. Jake growled like a tiger, released my wrists, and grabbed onto my dick. It was like he was trying to rip my dick off my body, but it felt good. «Let go, you fuckin asshole,» I said. I grabbed his big dick and tried to bend it. It was too hard to even move. Jake moaned, and then his eyes went wild with fury. He grabbed me roughly by the waist, pushed me backward on the ground and pinned me down, even harder than the first time. «Don’t fuckin touch…
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  39. His apprentice, of course, went with him, and my father later found out was ruining all the trails.  Gillian returned home, with nothing to show for his effort.  He had been gone nearly a year, and when he stepped through the gates, he was nearly on the verge of collapsing.  He was brought in for food poisoning, and as my father later found out, his apprentice was behind it.About three years after my disappearance, my father’s apprentice became greedy with power.  His powers never even scaled up with my family’s, and I think he knew that.  The only reason my father bothered to train his…
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  40. «She’s good, man. Aren’t you, Nina?»»Yes, babe, I’m fine, thanks. You go catch up with your friends, I’ll bring dinner out soon.» My husband left as I looked back at Rodney. God, he’s so fucking assertive. It turned me on so much. We continued to such each other’s lips a while longer before I realized I had to take the food out of the oven. The boys all sat down at the dining table as I served dinner. There were only six seats at our table and I had nowhere to sit. I went to grab a stool from the kitchen but Rodney looked at me and patted his lap. I walked over to him and sat on his leg…
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  41. We drank all the beer (mostly because of the peppers) and then began working the bottle. We laughed hysterically about absolutely nothing.»Do you know how I got my last boyfriend?» She asked. «I was in a bar with some friends and this guy kept staring at me. Every time I looked over he was staring at me! So when I finished my beer I slid the neck of the bottle into my mouth… the whole neck… and when it was all the way down I looked over and watched him squirm as I pulled it out. A few minute later the waitress brought me a long neck Budweiser from him.»»You didn’t!»»I sure as hell did! ……
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  42. » I’m gonna take a shower. «» Wait up on me then. «I noticed her smiling as I responded, the redness of excitement growing back in her cheeks. Without even looking in her eyes I could easily tell the words «shower sex» were flashing in neon lights inside her brain. Had she planned to lure me in? I calmly got up and went for the pile of my clothes we’d thrown in a corner last night and then put on my underwear and jeans, since I hadn’t really thought of bringing clean spares. She then led me to the bathroom, her ass waving side to side with each step, a clear factor that she was very…
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  43. The wall to Mexico had begun construction and he had already begun to dissolve Obamacare. However, as the breeze blew a few golden leaves over the sun drenched lawn, little did he know that the next 24 hours would change his life and perhaps that of the nation forever.He made his way over to the Roosevelt desk. He decided he wouldn’t bother with a tie today he only had a few appointments, one of which was with the England Women’s cricket team. Whatever cricket was. He was sure an advisor would inform him so he didn’t look stupid. His shirt and trousers were freshly pressed and his hair…
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  44. I am 18 years old. I have my first job, I drive my car and I read a lot. I liked watching girls, lesbian girls. Things have changed a lot since then. I loved to see very feminine lesbian girls like me, still in the closet or sometimes a little more open. I’m a lesbian fem, white, with a proportionate body, my breasts delicately full, amber brown eyes, dark hair and a bright smile. I liked to dress up in jeans showing my attractive legs: a shy teenager looking for other girls. When I walked the streets, men often turned to see me and undress me with their eyes, but I don’t care about them, I…
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  45. And…I…» he paused, looking me in the eyes. «I need to think about us, what we did the other night. I enjoyed myself a lot. A lot more than I expected, and I’m not sure how she would like knowing about us, and I’m not ready to give up what we did, and …I guess I’d like to do what we did again…»I’d be lying if I said my heart wasn’t beating faster. Going from a sinking feeling of disappointment to a surprising feeling of happiness sat hearing his words. I shocked him, and myself as I leaned in and gave him a quick peck on the lips.THAT brought silence.Suddenly embarrassed and unsure, I…
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  46. «Mom, I am going to get a «bite»! Doyou want me to bring you anything?» «Let me come down and makesomething for both of us. Or shouldwe order a pepperoni pizza?» «Yes! My favorite food is pizza and Ican’t deny that!» «Done, I’ll order it now and we could amovie from the movies I bought lastweek from the «club»!» I ran butt naked to my room andpulled out a pair of boxers for changeinstead of my tights. I washed my faceand brushed my teeth. I still wasthinking about all that had happenedand to be honest, I wasn’t worried if my mom would get pregnant. Maybe Iwas «loosing»…
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  47. «Do you trust me?»»What are you going to do?» she asked with a half smile.»Do you trust me? he insisted.With a sigh, «yes».»Close your eyes.» She did so, slowly, the smile still on her lips. Taking a breath, he leaned forward and pressed his lips against hers.At first, he was merely kissing that smile. Firm, nervous. Soon, however, those perfect lips softened. Then parted slightly. Slowly, furtively his tongue tasted the inside of her lip. His gentle probe meeting no resistance, he pressed further. As he did, her lips parted more fully and their tongues met. Both sighing as their…
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  49. I smirked as I unbuttoned the rest of my shirt. I threw it to the washing pile. My breasts fell out as I unhooked my bra. It followed my shirt to the pile. I stroked his hair and closed my eyes. His palm grabbed and squeezed my full youthful breasts. I stood him up and demanded he get naked as soon as possible… that I’d time him. I smirked enjoying the game. Before I could blink he was naked. He looked great. I was still in my school stockings and tartan skirt, my cock and his meeting like a draw bridge between us. He grabs my tits again as though he’d never seen a pair before. Maybe he…
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  50. You looked up from the checklist and gave me the most adorable smile that said, «I hate you» and «I love you» at the same time. I walked around the cart and wrapped my arms around you. «We’re just about done» you said as you looked up at me and smiled. «THANK GOD, finally» I said as i pulled you close and faked a dramatic death on your shoulder. You broke my grip and hit me in the shoulder with the little black notepad, «stop whining, you big baby», «Marines don’t whine, you just take FOR-EV-ER» I made sure I over annunciated every syllable. You rolled your eyes and walked past toward the…
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  51. I know from talking with her that she is divorced. Her husband left her a few years ago for a younger 20 something model. She has always flirted with me and I have flirted back. It was about quarter to five when my phone rang. It was Kristen, she told me she is about an hour and half away and that she would stop by and bring me the information. Six o’clock came in no time and I got up to freshen up. Everybody had left the office. It made me mad that I was working so many damn hours and everyone else leaves at five. As I walked out of the men’s room, I looked out the door and saw…
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  52. I really don’t get involved in my husband’s business but have met many of his clients and occasionally run some errands for him. Patrick, his client, lived in a very exclusive neighborhood in a wonderful house on a large estate. He was obviously successful but I don’t know what he did or what the papers were that I was delivering to him. It was a hot day so I dressed lightly in a white sundress with the idea of going shopping at the mall after I delivered the papers. Patrick met me at the door wearing a robe. He was a big burly man in his sixties, a bit of a pot belly but ruggedly handsome…
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  53. I knew he’d do almost anything to please them as he was struggling to make money. Little did I know what he had in mind while I was in the bathroom? The following is an account from one of the photographers in the group No sooner had the bathroom door closed behind you, your wife looked across at the owner of the studio in a nervous manner. Now she was on her own dressed in just her tiny undies with her gorgeous body on display. She could not fix her eyes through being so nervous but the owner was not going to miss this opportunity to save his credibility. He quickly suggested to her…
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  54. «Never seen you here before.»»Do you come to this hotel so often?» I asked.»It’s a good place to observe people.»»And find desperate women.»»Just another appealing aspect.»»Are you here with Wilson?» I pointed to the sign. «Nah, there’s always some stupid party or reunion here. So, are you a desperate woman?» He placed a hand on my thigh.  The corners of his mouth were turned up and he kept looking me over.  I’m okay with arrogant, but this guy was really sure of himself. His ego was starting to make me nauseous. I realized that I could use him for pleasure, but I imagined the smug…
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  55. Then it came to me; I remembered how excited I became reading about Vivian and Jessica. I felt like I was now Vivian.Pete spread her lips apart and began stroking into her hairy slit. His fingers paid special attention to her swollen hooded little bead. She moaned more, and louder. I undid my blanket and reached into my robe and between my legs. I probably should have put my pjs back on after showering, but I figured they would be off quick enough for my massage, so why bother. Another benefit to not wearing pjs; it’s less inhibiting for my hand to snake its way between my legs. After…
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  56. They caught on her boots and it took him some time to work the leg openings over the large boot tops. She stood there patiently, enjoying his struggle. She knew he could feel the wetness of the panties, smelling her musk. He was getting impatient to bury his face in her softness but she stood there, not helping, just waiting while he struggled with the panties. Finally he got them to her ankles and she leaned over, resting her hand on his shoulder as she lifted each foot, one by one, pulling them free of the panties while he held them firmly in his teeth. He was inordinately pleased by his…
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  57. «Okay Mom! Have a good Trip! I’ll see you on Sunday and I’ll have no More than Maybe ten parties!» i Laughed at my own joke. » You better not be inviting any girls over either Now Bye» She closed the door and I watched her leave the front yard my 9 inch cock aching to be stroked, after i saw the car drive away i went on my laptop and well did whatever a sixteen year old boy would do when he was horny, Yes i stroked my 9 Inch cock until i exploded all over. After a good Session of Masturbating i headed downstairs for something to eat, man was i hungry «Damn, Nothing to eat Maybe i’ll go to the…
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  58. The Vice-Principal savoured the sight of her nemesis in this sexually vulnerable and available pose, and took more pictures from several angles of her boss, who was now naked apart from her shoes, the skirt up around her waist and the large bra from which her huge tits had been extracted. Then Jacquelyn put the camera away in her bag and withdrew her favourite and largest strap-on – one which she had not had any opportunity to use on another woman for many months. She stripped off her flimsy thong and buckled the dildo in its place, over the straps of her suspender belt. The bitch’s cunt is so…
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  59. 1.)I have always had a vivid imagination. 2.)Im a nympho with a porn addiction (thank goodness for xnxx!)3.) The more I experience the more extreme and even gross my porn selection and fantasies become. I gave up my crazy lifestyle about a year ago when I met my husband. I went from orgies to him literally overnight. He kept me so consumed working on his problems and proving to him that I wanted only him that I even fooled myself into believing I was «cured».I have been faithful to him throughout our relationship, although there has been plenty of temptation. Now he’s starting to…
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