Insurance Code Of The Philippines

My dormmate, Summer Lodge, always uses heavy-duty electrical appliances to cook in our dorm. I kindly remind her that it's a fire hazard and that she'll get a demerit if the college finds her out, but she snaps at me and tells me to mind my own business. One day, her oven bursts into flames and burns one of our dormmates—the daughter of an affluent family—to death. When the college investigates the matter to apportion the blame, Summer and another dormmate push the blame on me. I'm expelled and cyberbullied. My dead dormmate's boyfriend even comes after me for revenge. He shoves me and my family into the furnace at a crematorium. When I open my eyes again, I'm back to the day when Summer decides to make a meal with the oven.

Skyla Silara Rossi is the 18-year-old daughter of the Lycan King himself. She attends Midnight Academy, a place that is a safe haven for the supernatural, but for Skyla, it’s not enough. She still doesn’t fit in. Unable to control the power and rage of her beast, she isolates herself from the world. With each passing year, her Lycan is getting stronger. Becoming harder for the young princess to mingle with those who have now come to fear her. This year, there’s something different that awaits her return to the Academy, in the form of two sizzling Alpha males. Aleric and Royce Arden are the twin sons of the Alpha of The Shadow Wolves Pack. With blond hair and icy grey eyes, the twins are walking gods, ones that any girl would desire. Even Skyla Rossi. Coming from a pack that holds its own secrets, they both have come to the academy as new teachers. Each with his own hidden intentions. Yet when their lives intertwine with the Lycan Princess, everything is thrown upside down. A relationship between a student and a teacher must be kept a secret, especially when it involves the King’s daughter. Skyla spells trouble and danger, but can the wild Rossi be tamed, or will her emotions and power, mixed with betrayal, destroy her forever? In a dance of lust, lies, and forbidden desires, will Skyla find her knight in shining armour, or will the Arden Princes be her ultimate downfall? A Feisty Lycan Princess, a Charming Science Professor and a Sexy Broody Trainer; what could go wrong? Oh yes… everything. Book 3 of the Rossi Legacies Book 1 & 2 are under the title Alpha Leo and the Heart of Fire. Follow me on IG author.muse

A growl escaped his throat as my robe fell and pooled at my feet. I was completely naked. I saw his eyes dilating. He wanted me. That was all that mattered. A seductive smile curled on my lips, hiding the nervousness I felt. "I'm all yours, Alpha..." "Get dressed! And get out!" His breathing hitched as his gaze swept all over my naked form. I walked towards him, biting my lower lip as I reached for his shirt, unbuttoning it while ignoring his anger. He would have pushed me away if he didn't want this, but instead, he moved swiftly and pinned me against the wall. "Is this what you want?" His said hoarsely. His breath brushed against my neck, sending pleasurable tingles between my thighs as he pressed his front against mine. I stared back at him, letting my eyes show the emotions I had kept hidden all these years. "I want you, Caspian." ***** In a world where Alpha Females are pawns for the Claiming, being an Omega Female is considered a blessing. Andrea was born and raised as an Omega. She had the freedom to choose whether to be claimed by her mate or be someone's chosen. And so she thought, until the reality of her past came hunting her.  Alpha Caspian knew from the very beginning that he wanted Andrea, whether they were fated mates or not. But by the time he was ready to make amends for sending her away when she was 15, a secret from her past had resurfaced.  Would he let her go this time? Or was she worth fighting for? ***** A spin-off novel from the Black Shadow Pack Series. While the story is stand-alone, I recommend that you read the Black Shadow Pack Series to gain a better understanding of the characters.

Raven had lived the best life she could in the Black Moon pack. With an adoring mate and twin pups, she has never doubted they could face anything together as a couple or as a pack. Until war was declared. After having left her side to join the enemy, her mate Rafe has now returned to her and brings the news that the enemy is dead. With that news the council believes there is no longer a threat of war. Raven knows better. Something is not right with Rafe or the world outside their pack. Beginning a journey that will forever change her, secrets are now unfolding, and sides are shifting. She doesn’t know what to believe anymore. In a race against time to save her mate and stop this war, Raven accepts that when it comes to love and peace, there are no lengths one wouldn’t go to, to win.

The love between a Vampire and an Humanoid Dragon? Imagine several types of world with different races. The world of wolves, world of Vampires, world of Dragons, world of humans. World of dwarfs, world of beasts. Although they are different worlds, in different locations, still there will be some that will love to see how pretty the other worlds are. There would be some that would go for love. Some will break rules just to share his knowledge in places where it will be worthy. Some to own those very worlds. While some, to destroy other worlds. Here is a boy, who happened to wake up some day and found out that he got powers. But ever since he's gotten those powers, every thing just seemed to be bad luck for him. His parents who he always look up to said they weren't his parents, and they left him all alone to cope in a world of army. He was admitted to the army school, but Fate didn't want him to go. Several problems aroused and later on, Fate got him back to where he was meant to be. A place where part of his powers were originated from. Although he has the aim to have his revenge on the parents who had forsaken him, but he needs to get stronger and know more about his powers. Journey on with Vic as he discovered that he was a child from two different races. An hour for Vic to move out to his new school in the states, he was obtaining his ticket until his fancy wristwatch dinged. And as he checked the message, it says; "You have Leveled up, Evolution will now begin." ***** But something strange happened, the great Vampdragon woke up. "Was it all a dream?"

Set on a medieval-inspired world, Navi who was taken by the sudden death, will embark his new adventure and life on the other world. Watch him as he uncover mysteries, and build power and dominance into this world.

Do you know what he must go through in order to attain her? This is his story; of a most unlikely love and of danger: Willy is a disadvantaged man in New York city— who suffers from amnesia and sadly cannot remember his past; The only thing that he could vaugely remember was his name. He finds himself stranded on the streets as a homeless man. His past shrouded in a deep cloud of mystery; there were deep unresolved questions: Who was he? What had happened and now he is on the streets? One day he met a strange man who proposes to him— a life changing offer: Willy saw that as an opportunity to lead a normal life and to marry the sweet girl of his dreams.

Patricia’s supposed to be happiest day on earth turned to her saddest day, and with a pregnancy test result in her hand, her heart torn apart, and a ready-made garment of sadness is worn for her at the blink of an eye. She caught her husband and best friend cheating on her on their matrimonial bed, but gently turned back to the sitting room, and made up her mind to keep it to herself because of a reason known to her, but her husband presented her a divorce paper, and threatened her to sign it. She signed the divorce paper, and was thrown away into the street. Disappeared, Patricia worked on herself to become a better version, and she returned five years later as a single mother, who was the anonymous CEO of the ruling organization in the city. Now, her ex-husband, who has been in regret for his actions for the past years, wants her back. Did the CEO deserve a second chance?

Rio is a young businessman, owner of a tobacco company. Although this man has everything everyone dreams of, people have no idea about what he is dealing with within himself. Orphaned since childhood, and have been haunted by the same nightmare over and over. He is also troubled by premonitions and flashbacks of someone else’s memory. Rio was raised by two loyal servants of their family Petra and Ferdie. His life changes when he met a woman named Deadrei. He taught that maybe She has all the answers he needed. Some answers will be revealed to him by Petra but Deadrei will be the one to explain everything to him about his true identity. Dante wants to resurrect Esmeralda but he had no idea that Esmeralda is already alive again in Deadrei’s body. Dante will do anything to take Esmeralda away from Rio after learning that she had reunited with him again. He believes that Rio is not worthy of her and regretted not fighting for his love for her. After Rio learned about his past, he will try to challenge his older brother and reunite all their people in an attempt to create a better community for them and he knew that he will be needing all the help he can get to defeat a much stronger enemy than Dante, the Dark one.

Zana thought death would bring her peace, but the moon goddess had other plans. Betrayed and left to die by the ones she trusted, Zana's last wish was for a second chance—and she got one. Awaking in the body of Alpha Tia Moon, a powerful leader, Zana must navigate a new life in a dangerous world and with a Tia’s beta and mate, Ethan suspicious of her identity. But nothing could prepare her for the shocking discovery that her former mate, Alpha Richard, the one who betrayed her, is bound to her once again. As Zana battles to protect her secrets as she also faces the deep, unyielding mate bonds she feels for both Ethan, her Beta, and Richard from her past. Torn between revenge and love, Zana walks a thin line between her past mistakes and the future she must embrace. In a world where enemies become allies and love becomes war, will her new strength be enough to survive what’s coming?