agaricandmoss

[agaricandmoss]

I am casting a spell on all museum goers. You are now aware of the guards. You are aware that they’re people. They’re not furniture and they can hear you complaining that you’re not allowed to touch the ~300 year old woodblocks used to make wallpaper.

[agaricandmoss]

i think what’s on a person’s nightstand is very telling so reblog this and put in the tags the things you have on your nightstand

[agaricandmoss]

Cool way to activate your final ability:

get kicked by a fucking horse

[agaricandmoss]

[agaricandmoss]

“America IS walkable, you’re all just lazy” my childhood home was an hour from the nearest hospital (by car)

[agaricandmoss]

[agaricandmoss]

slowly approaching bear

[agaricandmoss]

[agaricandmoss]

how do you think magic the gathering design philosophy would change in an alternate universe where you're a horse

Oats would play a bigger role.

[agaricandmoss]

Piece of financial advice, because I've seen too many people make this mistake: never pay off medical debt on a credit card unless you are 100% sure you will be able to pay the credit card balance off in full as soon as you get the first bill. Why? It is ALWAYS better to have medical debt than credit card debt. There is a long list of reasons why.

State and federal laws severely restrict medical debt in ways that credit card debt is not restricted.

Credit card debt can charge much higher interest rates, and in general it IS much higher in rate. Medical debt sometimes charges no interest, at least for a certain period of time. When it does charge interest, the rate is lower, and in some states it is capped as low as 5%, always at 20% or lower. Credit card interest rates are almost never below 15% and are sometimes MUCH higher than 20%.

Medical debt is less damaging to your credit history than credit card debt. And it is easier to eliminate in bankruptcy.

Medical debt also does not affect your spending limits on a credit card. If you use a credit card for monthly expenses, adding medical debt to it can bring you closer to your credit limit which might make you unable to use the card for expenses (even ones you could afford to pay off immediately.) This negatively affects your credit rating through increasing your credit utilization, it can reduce your potential to earn rewards, and it can reduce your spending power in an emergency.

Also, the penalties and fees for deliquency on medical debt are much milder and those for credit card debt are more severe. Again, laws are more restrictive on medical debt. You will have far fewer fees or penalties going delinquent on medical debt.

Also it is often easier to get medical debt forgiven or negotiated down, than credit card debt,

If you ever end up with medical debt, keep it as medical debt and keep paying it as medical debt. Go delinquent on your medical debt before switching it to a credit card. Once you put it on a credit card, you can't go back.

By keeping your medical debt as medical debt, you save money, protect your credit history, and increase your chances of having the debt forgiven, negotiated down, or eliminated through bankruptcy.

NEVER CONVERT MEDICAL DEBT TO CREDIT CARD DEBT.

[agaricandmoss]

feel strongly like the word "doodle" should be reserved for art that is improvisatory and thoughtless, your lined and colored dog boy is not a doodle that is a finished artwork

[agaricandmoss]

teen & young adult

[agaricandmoss]

snake scarf

a snarf...?

twitter/ insta/cara/ store

[agaricandmoss]

learn respect

[agaricandmoss]

normally it's frustrating when mystery games hand you answers on a silver plate but in ace attorney, the witnesses' tendencies to conveniently say far more than what they were asked for is so hilarious that it becomes its own reward. ace attorney witnesses will be asked what time they saw the murder and they'll say it was 10:40 and they know it was exactly that time because that's the exact minute they open the can of Fancy Feast to feed their elderly russian blue cat, father of 12 kittens and phoenix will be like umm actually i spoke to your cat and here's a written affidavit from him that there was a recall on Fancy Feast and also he's never been to russia nor known the touch of a woman. you're going to jail buddy

[agaricandmoss]

New Christmas card is up in my shop, along with a few other new items!

A field guide for identifying the various birds your true love may foist upon you this winter.