#5 benefits of life insurance

[masryno]

How Life Insurance Works in the United States

How Life Insurance Works in the United States Life insurance is a type of insurance that pays a death benefit to a beneficiary when the insured person dies. It is a way to protect your loved ones financially in the event of your death.  How Life Insurance Works in the United States Types of Life Insurance: There are many different types of life insurance available. Some of the most common types…

[scriptermubarak]

Top insurance companies in canada - jobmode

Top insurance companies in canada – jobmode In order to grow their businesses and provide a greater range of services to their clients, insurance companies have merged with banks, brokerage firms, and other financial institutions all throughout the world. That is undoubtedly the case for the insurance sector in Canada, which has recently seen a number of mergers and acquisitions. The top five…

[pudhuulagam]

5 Top Benefits of Life Insurance

5 Top Benefits of Life Insurance 1. Life insurance distributions are tax free If you own a life insurance policy and die while it is active, your beneficiaries will receive the lump sum death benefit. Life insurance payouts are not taxable income, and your beneficiaries do not need to report the money when they file their tax returns. 2. Your dependents don’t care about living expenses. Many…

[robertreich]

The Truth About Trumponomics

Trump and Republicans want to wreck your bank account. Here are 5 things you need to know about Trumponomics.

1.Trump wants tax cuts for the rich, at your expense.

Trump’s tax cuts for the rich and big corporations added about $1.7 trillion to the national debt, with few benefits trickling down to the middle class — in fact, it raised taxes for more than 10 million American families.

Now Trump and Republicans want to make the tax cuts for the rich permanent, blowing up the debt even further. And then they’ll use that debt to justify this:

2. Trump would cut Social Security and Medicare — programs you’ve been paying into!

In every year of his presidency, Trump submitted a budget that tried to cut Social Security and Medicare. And he knows that’s the only way he can even begin to pay for extending his tax cuts for the rich.

3. Trump and his allies are pro-junk fee.

When the Biden administration issued a rule capping credit card late fees at $8, Sen. Tim Scott, a Trump surrogate, tried to overturn it in the Senate. And then a Trump-appointed judge issued a temporary injunction that blocked the rule from taking effect. Eliminating that rule would cost American families an estimated $10 billion a year.

And when the Biden administration required airlines to issue automatic refunds for canceled flights, Trump’s allies in Congress fought to block that too.

When Trump was in office, his administration fought against efforts to rein in airline junk fees.

Corporations nickel and diming us like this makes inflation worse. If Trump gets back in the White House, buckle up for more junk fees.

4. Trump would send health care costs soaring.

Republicans have committed to repealing the Inflation Reduction Act, which would strip Medicare of the ability to negotiate drug prices, and let Big Pharma send the price of insulin and other life-saving medicines back through the roof.

And Trump is still fixated on repealing Obamacare, with no plan to replace it.

TRUMP: Obamacare is a disaster. We’re gonna do something about it.

That would strip coverage from tens of millions of Americans, drive up premiums, and let insurers charge more or deny coverage to people with preexisting conditions.

5, If you’ve got student debt, you’re out of luck with Trump.

In contrast to President Biden, who’s canceled more than $160 billion of student debt so far, Trump is against student debt relief. In his first term, he tried to eliminate the popular Public Service Loan Forgiveness program for people like teachers and nurses, and he’s called the idea of debt relief “unfair.”

What’s unfair, is how student debt hurts not just the roughly 40 million Americans burdened by it, but the entire economy, since Americans with debt have less money to spend, are less likely to start a business, less likely to buy a home, and more likely to rely on government assistance.

The MAGA agenda would make nearly every aspect of your life more expensive, while making the richest Americans even richer.

Teddy Roosevelt’s economic plan was called the Square Deal. Franklin Roosevelt’s was the New Deal.

What Trump is offering is simply a Raw Deal.

[bitchesgetriches]

On leaving home for the first time:

Leaving Home before 18: A Practical Guide for Cast-Offs, Runaways, and Everybody in Between

Ask the Bitches: “I Just Turned 18 and My Parents Are Kicking Me Out. How Do I Brace Myself?”

Ask the Bitches: I Want to Move Out, but I Can’t Afford It. How Bad Would It Be to Take out Student Loans to Cover It?

How To Start at Rock Bottom: Welfare Programs and the Social Safety Net

Advice I Wish My Parents Gave Me When I Was 16

Ask the Bitches: How Can I Make Myself Financially Secure Before Age 30?

You Won’t Regret Your Frugal 20s

Master the Logistics and Etiquette of Moving Out

Season 2, Episode 5: “What Do I Need to Know about Moving into My First Apartment?”

On basic finance:

How the Hell Does One Open a Bank Account? Asking for a Friend.

How Do You Write and Cash Checks? Asking for a Friend.

Budgets Don’t Work for Everyone—Try the Spending Tracker System Instead

You Must Be This Big to Be an Emergency Fund

A Hand-Holding Guide to Getting Your First Credit Card

How to File Your Taxes FOR FREE: Simple Instructions for the Stressed-Out Taxpayer

Dafuq Is Credit and How Do You Bend It to Your Will?

How to Save for Retirement When You Make Less Than $30,000 a Year

Dafuq Is Interest and How Does It Work for the Forces of Darkness?

What’s the Difference Between Savings and Checking Accounts, and How Should I Be Using Them?

Dafuq Is a Down Payment? And Why Do You Need One to Buy Stuff?

Dafuq Is Insurance and Why Do You Even Need It?

Investing Deathmatch: Investing in the Stock Market vs. Just… Not

Dafuq Is a Retirement Plan and Why Do You Need One?

Do NOT Make This Disastrous Beginner Mistake With Your Retirement Funds

On managing your household:

How the Hell Does One Laundry? Asking for a Friend.

How the Hell Does One Wash Dishes? Asking for a Friend.

Ask the Bitches: Why Are Painted Mason Jars the Internet’s Only Solution to My Tiny Apartment Woes?

9 Essential Tools for Apartment-Dwellers (and 6 That Are Kinda Useless)

Ask the Bitches: How Can I Survive in an Apartment with No Heat?

How to Save Money on Your Beloved Pets

Bullshit Reasons Not to Buy a House: Refuted

How To Maintain Your Car When You’re Barely Driving It

25 Tricks to Stay Cool WITHOUT Air Conditioning

On feeding and caring for yourself:

You Should Learn To Cook. Here’s Why.

How to Shop for Groceries like a Boss

If You Don’t Eat Leftovers I Don’t Even Want to Know You

I Think I Need to Go the Emergency Room?

Ask the Bitches: Ugh, How Do I Build the Habit of Taking Meds?

On maintaining relationships:

Season 1, Episode 8: “My Mother Demands Information About My One-Night Stands.”

Season 1, Episode 3: “My Parents Have Bad Credit. Should I Help by Co-signing Their Mortgage?”

Ask the Bitches: How Do I Say “No” When a Loved One Asks for Money… Again?

Ask the Bitches: My Dad Sucks with Money. How Do I Make Him Change?

You Need to Talk to Your Parents About Their Retirement Plan

Season 2, Episode 1: “I’m Financially Stable, but My Friends Aren’t. The Guilt Is Crushing!”  

On starting your career:

22-Year-Olds Don’t Belong in Grad School

High School Students Have No Way of Knowing What Career to Choose. Why Do We Make Them Do It Anyway?

The Actually Helpful, Nuanced, Non-Bullshit Way to Choose a Future Career

Your College Major May Not Prepare You for Your Job—but It Can Prepare You for Life

The Ugly Truth About Unpaid Internships

Your School or Workplace Benefits Might Include Cool Free Stuff

[batboyblog]

Things Biden and the Democrats did, this week.

January 19-26 2024

The Energy Department announced its pausing all new liquefied natural gas export facilities. This puts a pause on export terminal in Louisiana which would have been the nation's largest to date. The Department will use the pause to study the climate impact of LNG exports. Environmentalists cheer this as a major win they have long pushed for.

The Transportation Department announced 5 billion dollars for new infrastructure projects. The big ticket item is 1 billion dollars to replace the 60 year old Blatnik Bridge between Superior, Wisconsin, and Duluth, Minnesota which has been dangerous failing since 2017. Other projects include $600 million to replace the 1-5 bridge between Vancouver, Washington, and Portland, Oregon, $427 million for the first offshore wind terminal on the West Coast, $372 million to replace the 90 year old Sagamore Bridge that connects Cape Cod to the mainland,$300 million for the Port of New Orleans, and $142 million to fix the I-376 corridor in Pittsburgh.

the White House Task Force on Reproductive Healthcare Access announced new guidance that requires insurance companies must cover contraceptive medications under the Affordable Care Act. The Biden Administration also took actions to make sure contraceptive medications would be covered under Medicare, Medicaid, CHIP, and Federal Employee Health Benefits Program. HHS has launched a program to educate all patients about their rights to emergency abortion medical care under the Emergency Medical Treatment and Labor Act. This week marks 1 year since President Biden signed a Presidential Memorandum seeking to protect medication abortion and all federal agencies have reported on progress implementing it.

A deal between Democrats and Republicans to restore the expand the Child Tax Credit cleared its first step in Congress by being voted out of the House Ways and Means Committee. The Child Tax Credit would affect 16 million kids in the first year and lift 400,000 out of poverty. The Deal also includes an expansion of the Low-Income Housing Tax Credit which will lead to 200,000 new low income rental units being built, and also tax relief to people affected by natural disasters

The Senate Foreign Relations Committee voted for a bill to allow President Biden to seize $5 billion in Russian central bank assets. Biden froze the assets at the beginning of Russia's war against Ukraine, but under this new bill could distribute these funds to Ukraine, Republican Rand Paul was the only vote against.

The Senate passed the "Train More Nurses Act" seeking to address the critical national shortage of nurses. It aims to increase pathways for LPNs to become RNs as well as a review of all nursing programs nationally to see where improvements can be made

3 more Biden Judges were confirmed, bring the total number of Judges appointed by President Biden to 171. For the first time in history the majority of federal judge nominees have not been white men. Biden has also appointed Public Defenders and civil rights attorneys breaking the model of corporate lawyers usually appointed to life time federal judgeships

[chronicallycouchbound]

I refuse to call government assistance programs “welfare” or “benefits”.

I’ve been on government assistance programs my whole life. I have never lived above the poverty line.

It’s a system that doesn’t care about my wellbeing, they care about doing the bare minimum to keep people alive enough to function and work, and if you’re disabled and cannot work, they give significantly less of a fuck.

And benefits?? What benefits?

Food stamps that run out within two weeks because I am budgeting with 8$ a day with literally dozens of dietary restrictions? Or do you mean the housing voucher that I have to never even have a gift card, penny to my name, Sams club membership, phone bill, literally anything that could be “income” in order to qualify? That same housing voucher system that if I mess up even once with I not only lose all government aid for at least 5 years, it’s also mandatory PRISON time for 1 year?? “Oh but they would never do that, right?” Nope! I have several friends who are now felons for minor lease violations and unhoused as a result! Oh maybe you mean the state health insurance that doesn’t cover most treatments, specialists, and testing I need and if I tried to make a gofundme to cover, I would lose aforementioned housing? Oh and we can’t forget all the money I get for being disabled, which is exactly 0$. I’m still fighting for SSI and have been for 6 years! That’s over 6 years with absolutely zero income. ZERO. And guess what, whenever I *do* get on SSI, I will lose my housing voucher. And I won’t be able to afford my current apartment because even in subsidized low income housing it’s too expensive for the maximum SSI “benefit” amount. And on SSI you can’t have savings over 2000$. Oh and they do make housing for people who are low income where you pay 30% of your income but I can’t even be on the waitlist since I don’t have any income. And on top of all this, I can never get married because I’ll lose all of the programs.

I could keep going. That’s not even half of the programs I’m a part of.

• None of them give me cash in hand. Even for vouchers I have to provide receipts for everything.

• Food stamps just straight up won’t even cover ineligible items. Which includes hot foods.

• I genuinely don’t believe that there’s a way to “game the system” and why would you? You would gain literally nothing.

• It’s designed to keep people poor. Once you make over a certain amount, you lose all or almost all benefits. There’s no way to slowly transition out of the programs, if you’re someone who’s able to. It’s all in or all out.

• All of these barriers are made significantly worse while unhoused/homeless. I’ve been homeless for over half of my life and there’s so many fucked up rules. If I missed one night staying in the shelter, I lost my housing voucher because I no longer was “verified as homeless” even if I was sleeping outside still.

[auspicioustidings]

Ae Fond Kiss - Part 4

A Prayer in the Prospect of Death

Summary: The years pass and you find out how Simon feels about you before a familiar face arrives. Words: 2.8k

Parts: 1 2 3 4 5

“Tell me luv.”

Simon had his fingers tucked under your chin to tilt your head up so you could no longer easily hide. Urgh he was so bloody perceptive. 

“It’s silly.”

“You’re always silly, now tell me.”

You fought the urge to blow a raspberry at him. He was truly the most stubbornly protective human you had ever met and he never just let things go if you said it was fine. He always knew when something was bothering you despite your attempts to hide it. 

“What am I supposed to do when Joey starts nursery?”

You sighed and dropped any attempt to hide how miserable the thought made you. When you and Johnny had gotten married you had decided that you’d be a stay at home mum. You didn’t have a career you were attached to and Johnny made enough to support the household. Honestly you had come to enjoy it in the last year. You decorated your home for every holiday, experimented in the kitchen until you were actually a very good home cook and baker, always felt safe and content with how well you knew your own space and how cosy and clean you kept it. 

It was never how you imagined yourself if you were honest, a homemaker. The idea of you actually sort of enjoying cleaning would have made you feel somewhat ill 5 years ago. But now you were in your own home with a toddler you loved to death and, though you often were reluctant to admit it out loud, a man you loved to death. You had been front and centre for all of Joey’s firsts and you wouldn’t trade that for anything. 

Simon missed his first steps. Johnny had been fine doing video calls while he was on base during off hours, but you didn’t even have the number of Simon’s work phone. It used to frustrate you that it felt like he didn’t even exist the moment he left for work, but he had spoken about his family on your first Christmas together and it made you understand. He would never carry anything on him as the Ghost that could link back to you, even in the relative safety of the base during downtime. 

Now Joey would be out of the house for most of the day. You could have waited, not sent him to nursery and just kept him home until school, but you knew it would be for your sake rather than his. He loved being around other kids and some of the friends he had made from you taking him to every toddler group in the area in an attempt to be a good mother would be starting nursery as well. 

Could you just do nothing all day? Between Johnny’s insurance and death in service benefits and Simon insisting on funnelling money in, you could certainly afford it now, but it felt so wrong when Johnny was dead and Simon was doing the exact job that had killed him.

“What do you mean? You do the same as you do right now if you’re still happy doing it but without him.”

“Lounge around and do nothing while you are out risking your life you mean.”

Simon considered, always careful to think the situation through rather than reply impulsively. He was annoyed with himself for not seeing sooner that you were undervaluing yourself, only considering taking care of Joey which was a full time job in itself as contributing. While it had been a source of bitter guilt in the beginning, he had started to forget how much younger you were than him. He really should have seen it, no woman in her early 20s saw her full worth. 

“Princess, you decorated this whole house while I was deployed and you’re the one that fixes things or organises for them to be fixed when they break. You cook almost all our meals from scratch and then make extra to donate to the community kitchen. The garden is immaculate because you follow the planting plan you made yourself and are out there doing maintenance every day. You do not now nor have you ever lounged about doing nothing, even if I would like it if you did.”

He already felt bad enough about it. When he was home he threw himself in, tried to take as much off of you as possible even when he was nowhere near as fast or good at things. If anything he was contributing nowhere near enough money to cover all the full time jobs you were gracefully juggling (only because it had already been a fight to accept any money at all, he gave you what you accepted and then put almost the rest of his pay into an account for Joey).

“Shut up!” you whined, battering fists against his chest as your face flamed. 

You had lived together now for just around 3 years. You had been intimately involved for 2. It still absolutely floored you when he was nice to you and made butterflies erupt in your stomach. It was so ridiculous to feel like some wide eyed teen with a crush when it came to this idiot. Unfortunately his favourite hobby was fucking with you when you were taken off guard like this.

“Aww baby girl, you know how much I appreciate everything you do for me and Joe don’t you? We’d fall apart without you beautiful” he said in a smooth rumble, peppering kisses across your cheeks and down your neck. 

It wasn’t fair that he could just tease you with a version of him that adored you. A version that you enjoyed even if you didn’t really think it was real. Sure there had been a maybe ‘I love you’ years ago after all that sexual tension broke and he seemed to be happy enough, but you could only imagine that if he ever knew how you felt about him he would run. The last 3 years you had fought at every turn to protect your heart, but you had stopped denying at least to yourself that it was pathetically his now.  

“Don’t do that.”

“You don’t want praise and kisses?”

He raised an eyebrow and tried to hide a small smile. You loved praised and kisses, he knew that because in the bedroom he could use that to turn you into a pile of obedient princess who did whatever he said if it would earn you his adulation. But it was just sex wasn’t it? 

“I don’t want you to pretend.”

He was confused by that and you wanted to sink into the floor to avoid this conversation. You had been avoiding it for a while now. 

“I… fuck. Simon, I don’t- it’s not just sex to me” you choked out, not sure how to put it into words without straight out admitting that you were hopelessly in love with him and wanted him in you and J’s lives permanently. 

“Christ, you pretty little idiot” he growled, grabbing your face roughly in his hands. “I love you. I am in love with you. I’m not Johnny, I don’t do big romantic gestures. I’m not the kind of man to tell you all the time how I feel. I’m the kind of man who is a selfish bastard because I don’t give a fuck if you deserve someone who does. You are mine. You have been for years. Do you understand me?”

You could only blink wide-eyed as your brain tried to catch up with the whole world restarting itself after the shock.  

“Do you understand me?” he snapped. 

“Yes sir.”

“Good girl… wanna get married?”

You stuttered out an outraged shout, feeling the tears that had been building drying up at the audacity of this man. 

“Johnny took me to the cabin. He made me a replica of the first dinner we had together and set the table outside during the sunset. He organised for fireworks!”

“Told you I don’t do romantic gestures.”

“Fine!”

“Fine?”

“Fine, let’s get married Casper. You’re the fucking worst.”

“Don’t I know it princess. I’m not wearing a tie.”

“Then I’m not wearing a dress.”

“Yes you bloody well are!”

“Wanna bet?!”

-

He did not wear a tie, but Joey did. Your dress was beautiful. Gaz officiated your wedding for the second time. Price said there was an emergency so he couldn’t make it - you weren’t really sure you believed him.

-

As you cleared up after the whirlwind that was breakfast in a house with a 9 year old late for school, you sighed and stuck on a heat patch. You were starting to wonder if being off birth control was maybe a little pointless because in the past 18 months it had only reminded you how much you hated periods after years of them being gone as a useful side effect.

It had been something you were speaking about since you got married. You had always wanted more kids. Simon had never even expected he’d have one. You were terrified of a repeat of your first pregnancy, he was terrified that his genes were poisonous. You had enough money with his hefty pay and your small business (you had started it up soon after Joey had started nursery and you got a lot of orders for events, birthdays and weddings for sets of biscuits. You imagined wherever Johnny was he was howling with laughter that you had turned into a home baker after all the kitchen disasters he had seen). 

In the end it had been Joseph who made the decision. One shrugged mention of how he thought it’d be nice to have a little sibling and that was that. There was not one thing in the whole wide world you and Simon would not give him if it was in your power. Although you were starting to think it wasn’t in your power at all. 

It wasn’t like you didn’t have an active sex life and in honesty it had only gotten more active from the breeding kink Simon had uncovered as soon as it was a possibility. But it just hadn’t happened. 

You wondered if it was better that it hadn’t, at least until Joey was 10. That was when you had agreed you would tell him everything. On advice of a psychologist you had told him that Simon wasn’t his biological father very early on, as early as he could understand the concept, although stressed he was still his dad. The only thing you mentioned about his biological father was that he had died even though that was very much against the psychologists advice, she had said to tell him everything about Johnny.

But in 4 months he would turn 10 and he knew that you would answer his questions then. It was shitty of the two of you really, to hide Johnny until now. Joey’s grandmother still saw him, but she never talked about her son or who he was. It was cowardice. Simon had been speaking with a therapist for years about how to let go of the idea that Johnny died because he couldn’t save him. You felt ill at the idea of your son knowing you had married his dead father’s best friend. Both of you were so scared of Johnny’s ghost that you kept him from his son for nearly a decade. 

Well sort of. Joey knew who Johnny was, just not that he was his father. There were photos of him in the house. Whenever Gaz, Price and their partner (that had been a whole drama, but you were happy the three of them finally worked it out) were around, sometimes they would reminisce about him. Well Gaz and Simon did, Price would just look pained and excuse himself to get a drink.

You could only hope that Joey wouldn’t hate you, but then he was such a great kid. A little wild, but incredibly kind and empathetic beyond his years. He had Johnny’s eyes. You thought that he’d understand when you explained it all. Maybe he’d yell at you for thinking he would blame you for falling in love with his dad, but he’d understand. 

You focused on cleaning up and getting the kitchen back clean and cosy how you liked it, deciding not to borrow worries from the future.

–

Price had told him to settle his arse down in the base and let him travel down and talk to him before he went anywhere. Johnny ignored him. He had just saved the fucking world, there was not one thing that was going to keep him from his wife and child one second longer.

He had debriefed already, been medically cleared to leave. He knew the paperwork was going to be horrendous given that he was legally dead, but frankly he’d leave it for the intelligence agencies to deal with given how much of a big bloody favour he had just done them. He got your address off of them given that Price hadn’t given it to him, just telling him to wait until he got there. Fuck that.

It didn’t take too long to get himself there. It was oddly comforting hearing all the English accents after a decade of hearing almost entirely Russian even if he’d be moving your pretty arse back North of the border as soon as he could. Not a chance was his family living in Carlisle. He wondered why you would move that far from the Highlands where his family was. You had always been no contact with your own family, maybe you had reconciled with them and moved to be closer? 

He would find out. Whatever it was he’d support you. God he loved you, he had missed you so fucking much. He had imagined the reunion for years, thought of your smile and your laugh when he needed to remind himself what he was fighting for, thought of your soft skin and tight pussy when he needed to relieve some tension with his right hand. Whenever he sent up a prayer in the prospect of death, it was for you that he prayed he would survive.

He thought of how he’d hold you for days when he got back. He knew you would have raised a wonderful son and he could not wait to meet the person he had become. He’d hold him as well, spend days cuddled up and watching movies with his family. 

And then he’d take you to the cabin and lose himself in your body. Fuck it was strange to think he’d have to consider it wasn’t just you two anymore. He didn’t want to lose any time with his son, but he needed alone time with you as well. He’d work it out. 

The house was nice, sort of quaint with the pretty flowers both real and painted on the door. It hurt knowing if he hadn’t been away you’d have something bigger. You would have had to for a growing family. 

He wished he had stopped and gotten a change of clothes and a haircut. He was in military issued sweats and a hoodie and his hair had grown out to curl around his ears. He really should have shaved as well, a task he hadn’t had time for in the chaos of the last few months. But fuck it, he was here and he couldn’t wait. 

It was almost like an out of body experience knocking on the door, knowing he was seconds away from you. He should have realised that there was another person around who could answer the door, but he hadn’t been thinking. The Joseph he knew was a tiny baby, not a bright eyed kid with a toothy grin in a football strip (a bloody Man U strip at that, Johnny just knew his uncle Simon would have had a hand in that and it made him grin knowing his best friend was still in his son’s life).

“Ye got big!” he belted, excited beyond proper introductions at seeing his son. 

The kid furrowed his brows for a moment before he brightened with recognition. Johnny assumed now was about the time for crying and yelling and hugging. He was unprepared for the alternative. 

“I know you! You’re dad’s Sergeant! I thought you died.”

His heart lurched, putting the dots together well before his brain could. 

“Joe hurry it up! We’ll miss kick-off!”

Johnny knew that voice. It was not yours. 

“I’m ready!”

“You better be! Right, who’s at the door then?”

The voice got closer and even though he wanted to run Johnny was rooted to the spot. It felt like the next 10 seconds as the footsteps and voice came closer was hours. The door swung wider open as a hand pulled on it from behind and then he was looking into the eyes of Simon Riley. The silence was deafening until Johnny broke it.

“What the fuck did you do Si!”

[dyke-pollinator]

why do you strongly recommend injections over other options? i started with (and am still on) pills because I can't handle needles very well, especially using one on myself

I just want to start off by saying that you can get great results and have great hormone levels using administration methods other than injections, and as with everything HRT related, your mileage may vary, ect.

That being said, I strongly recommend doing injections over any other method for a number of reasons:

First it is, generally, much more convenient. I take my injections once every 5-7 days and it is really nice to have one alarm / notification in my phone to take my shots and not have to think about it every other day.

Injections are also much more effective at getting you a consistent dosage of Estrogen. Although I have not experienced it myself, I know that a number of trans women I have spoken to and know have talked about and lamented the sometimes extreme valleys and peaks that you can get every day as your E levels drop off through oral administration. The half life curve of injectable Estrogen is a smoother drop off. When I was doing a 7 day injection cycle, I did sometimes feel the low E levels towards day 6, but after switching to a 5 day cycle, I pretty much never experience the mood swings and effects of low E.

Now this is a strictly personal example, but holy fuck switching to injections completely changed my experience on HRT. I struggled to get my T levels below "normal" ranges for my first 10 months on E, using primarily patches, but pills as well for a short while. 1 month after finally getting swapped to injections, my T levels were immediately suppressed and have been ever since, and I could immediately tell. From what I can tell, from strictly anecdotal experience, injections seem to provide the best and most stable benefits from feminizing HRT. This is likely due to injectable forms of Estradiol having nearly 100% bioavailability compared to oral Estradiol's 5%.

There are of course a number of draw backs: it can be harder to get it prescribed to you, it may be more expensive or not covered by your insurance, aversion to needles, potential supply shortages (especially if you are on anything other than Estradiol Valerate). But I think it is seriously worth it if you can make it work.

And just in case you're curious about my levels over the course of my HRT experience <3

Estradiol:

Testosterone:

[antisocial-mochi267]

JIMIN fic recs oneshot PART 1

Hope it helps to find you the great fics! Hope it helps!! And please leave a comment/like/reblog or any reviews guys the writers should receive the appreciation they deserve (I'll be eventually adding more fics here)

Minors strictly DNI

And if you want recs about any particular trope or au I'm always willing to help 👀🤗

Oneshot :-

Fluff :- ☁️

Angst :- 🥀

Smut :- 🔥

Crack :- 🎃

Personal Favourite :- ✨

1. you.Me.us__ ☁️🔥🥀 (stalker, yandere , thriller) @kosmosguk

2. Driver's license __ ☁️🥀✨ (coming-of-age, one-sided!au, brother's bestfriend!au) @gyukult

3.while you are at it __ ☁️🔥(pool boy jimin, divorced reader). @aureumjeon

4. I need you __ ☁️🔥🥀(exes to lovers, oneshot, idol au) @hisunshiine

5. Crystal snow __ ☁️🥀✨ (figure skating!au, fantasy!au, king jimin, supernatural power). @minniepetals

6. Vampire's garden__☁️🎃(College student jimin, fantasy, dark fantasy, vampire au). @ebonyinktea

7. soliloquy __☁️🎃 (Angel jimin× human reader). @kinktae

8. schrödinger’s cat__ ☁️🎃✨(guardian angel jimin, comfort) @dovechim

9. Azure blue__☁️🎃✨(Adventure, Fairy!Au ) @jimlingss

10. The pull of the tides __☁️🔥(surfur au, Strangers to lovers) @goldenscript

11. Fairytale__☁️🎃(merman jimin × human reader) @gukyi

12. Rock bottom __☁️🥀🔥✨( Idol!Jimin, establishedrelationship!AU, marriage! AU) @jkbabiey

13. Boats against the current __☁️🎃✨ (Hogwarts au, opposite to lovers). @gukyi

14. Into the wilderness __☁️🥀🎃✨ (camp counselor!au, unrequited love!au, friends to lovers!au) @gukyi

15. Lover to lean on__☁️🥀🔥🎃✨ (neighbour au, flower shop au, it's more complicated) @sketchguk

16. Paper bandits __☁️🎃(highschool au, S2F2L) @vantaenims

17. Blowing dandelions __☁️🥀🔥(badboy jimin, e2l, childhood friends, college au). @httpjeon

18. Grinch in law__☁️🥀🔥✨(fiance to marriage, bad to good mother-in-law, established relationship) @mercurygguk

19. Cut me free__☁️🥀🔥(Demon Yandere jimin ) @sopejinsunflower

20. Earnestly yours __ ☁️🎃✨(Highschool au , enemies to lovers , actor au) @gukyi

21. Theophany (To Paint a God) __☁️🥀🔥 (college!au , Old Friends to Lovers , Best Friend’s Brother!Jimin , Bisexual!Reader , Dancer!Jimin , Painter!Reader) @ilikemesometaetaes

22. Hello__ ☁️🥀🔥✨(exestolovers!au, high school pining, adult love, slice of life au ) @gyukult

23. Only you __ ☁️🔥 (single dad jimin, best friends to lovers au) @personasintro

24. Hell-ish__☁️🎃 (establisedrelationship, kinda fun date) @jtrbluv

25. 20 things and continuing I Hades about you__☁️🥀🎃✨ (dj famous jimin× pa reader) @readyplayerhobi

26. Just a little bit of love(is all you really need)__☁️🎃 (gymnastics au) @gukyi

27. Poster boy __ ☁️ (highschool au, social anxiety, comfort) @versigny

28. He's pretending__☁️🎃✨ (Enemies-to-lovers (kinda, jimin is in deniel but lowkey wipped) Daemon!Jimin x Faerie!Reader, fantasy au). @crystaljins

29. Adonis __☁️🎃 (firefighter jimin, s2l ). @xjoonchildx

30. Red gardania__☁️✨ (ballerina au, secret admirer, kinda e2l ) @joyfulhopelox

31. Shake shack __☁️🔥🎃(stranger to crushes to lovers) @kth1

32. The happiest place on earth __☁️🎃🔥 (Disneyland actors au, slice of life au) @dovechim

33. The midnight pack __☁️🎃🔥 (wolf au, S2L) @jjungkookislife

34. Terrible liar__☁️🥀✨ (F2L, pinning , comfort) @writtenwhalien

35. All that glitters __☁️🥀🎃✨(kinda soft Yandere/ tsudere jimin , Obsession) @deepdarkdelights

36. Deviant affairs __☁️🔥🥀(new Yandere stepbro jimin ) @yandere-society

37. Believe it __☁️🥀🔥✨(friends to enemies to lovers (it’s more complicated though)+ bet AU , high school to after high school) @writtenwhalien

38. Love you a latte__☁️🎃(Yandere Jimin, Stalking, Masturbation, obsession, it's kinda angsty though) @worldwidemochiguy

39. Heartbreak Insurance__☁️🎃✨ (insurance agent jimin× fraud reader, S2 F2 L) @jimlingss

40. Wicked obsession __🔥☁️(University AU, friends with benefits, unhealthy obsession) @peachypinkygloss

41. Love pages__☁️🥀(Yandere, highschool au, supernatural kinda) @jimlingss

42. The devil's own luck__☁️🥀🎃✨ (demon jimin , Slice of Life). @jimlingss

43. Beneath the water __☁️🥀🔥🎃✨(merman jimin× human reader, mermaid au, fantasy au). @jungshookz

44. His hoodie my hoodie__☁️🔥🎃✨ ( S2F2L, college au) @yoongihime

45. Kiss the girl__☁️🎃 (Disney land prince jimin×waitress girl, f2l, whipped) @sketchguk

46. Devil's advocate__☁️🎃(devil jimin ×human reader) @7cypher

47. No need for dreaming__☁️🎃(roommate au, clumsy jimin, frenemies to lovers) @ve1vetyoongi

48. Nine to five__☁️🎃🔥(softie smut, fwb2L, Dr. jm) @jiminrings

49. Just a taste__☁️🥀🔥🎃(Vampire jimin, established relationship). @yoonieper

50. Safe haven__☁️🥀🔥✨(royal king’s guard werewolf!jimin × princess reader, forbidden love au, medieval royal au) @kth1fics

51. Spiral__☁️🥀✨(Time traveler Jimin, teenager! reader, underground fighter! Jimin, time jumps, violence, blood, supernatural) @i-am-baechu

52. Red flag__☁️🎃🔥✨( richboy!jimin x mystery!reader, strangers to enemies to lovers to potential plaintiff) @xjoonchildx

[wishcamper]

On Nesta and Alcoholism

I’ve seen a couple takes recently saying essentially “Nesta is not an alcoholic bc xyz”. The spirit it’s said in is usually supportive of her and based in countering the way the IC dehumanizes and stigmatizes her, which is great AND there are some common stereotypes about alcoholism that can deter people from seeking treatment or realizing their alcohol use is hurting them. Alcohol is the 4th leading cause of preventable death in the United States, and ~11% of people over 18 qualify for an alcohol use disorder every year.

Creds: am a currently practicing counselor with specialization in addiction treatment

So a few basic points on problematic alcohol use:

Risk exists on a spectrum from no risk to imminent fatality. Most users fall in the middle. We have a very narrow portrait of what alcoholism looks like in popular media, especially in women, and it’s almost always the most severe end of the spectrum.

Use does not have to be 24/7 to be risky. Binge drinking, as defined by 4+ drinks for afab people and 5+ drinks for amab people in one drinking episode, has just as much potential for chemical dependency and damage.

A person does not have to be chemically dependent (“addicted”) or have cravings to have an alcohol use disorder, nor does everyone with an AUD go through withdrawal.

Using alcohol as a tool for emotional regulation, sleep, social anxiety, etc outside of rare occasions qualifies as problematic use. This kind of drinking is, unfortunately, very socially acceptable.

Problem drinking is progressive, and tends to get worse without conscious choice or effort to change

You can have a dysfunctional relationship with alcohol without having an AUD. You can have an AUD while still being a fully functioning person on the outside.

Risky or problematic use is often a symptom of a deeper emotional wound, which should be treated with care and seriousness even if someone doesn’t meet the criteria for an AUD.

They don’t have the DSM in Prythian obviously, but for us mere mortals here are the criteria. A person only needs TWO to qualify for a diagnosis:

As a clinician, I usually look for a few hallmarks.

Alcohol is one of or is the primary strategy a person uses to regulate emotion and stress, or is a common way someone rewards or incentivizes themselves

Alcohol is an important “character” in at least one sphere of someone’s life and they feel the absence when it’s not there, eg. social activities all center around drinking, essential part of dinner/sleep routine etc

The client has feelings of shame or guilt around drinking, choices they make while drinking, or the consequences it’s had in their life. oR they feel a defensiveness about their drinking and distress at the idea of stopping.

Anyway, that’s my PSA. I would diagnose Nesta with an AUD, but I would also diagnose her with PTSD, and also diagnosis is a horribly flawed system that allows people to access their insurance benefits. I guess I just want to say that you don’t have to look like the media version of alcoholism to be concerned about your drinking or to deserve quality treatment. If you’re concerned, help is available.

[socialjusticeinamerica]

Space Karen is a monster. They had opportunities to unionize but they succumbed to pressure from Elongated Muskrat and Texas Republicans and now they’ll be living on the production line. How stupid are you to reject unionization? Now they’re slaves like every other non-union employee in the country.

Republicans in red states pass laws called “right to work”, which is more Republican name trickery. “Right to work” laws prevent unions/organized labor. What it literally means is that companies have the right to make YOU work without any benefits, for minimum wage, without any right to protest wage theft or unsafe conditions, no recourse against unfair labor practices, and to put you on “on demand schedules,” The latter means no set regular hours, 9-5 today then 9-9 the day after, then 1-8, or no hours at all for days or weeks until you quit and can’t collect. “On demand scheduling” is abosolutely cruel. You never get to recover properly, you can never make plans outside of work, you can’t attend school or have a second job, and you miss out on all the major life events of your family. This leads to resentment, divorce, and alienated children who feel unloved.

Even blue states have bare minimum labor laws in place to control abuses by employers. Try going to the state for help in a dispute with your boss. Try hiring a lawyer when you’re poor or even if you’re not lawyers don’t want to touch these cases.

We are already a nation of hopeless wage slaves. Biden and the Democrats are making progress in passing laws to protect workers and unions but it will all be swept away if Republicans regain the White House and Congress. Some people won’t learn until they’re chained to a machine in a building with suicide nets outside the windows like in China.

It took almost two hundred years to get unions, workers rights, and work place safety laws put into place. They’ve nearly all been eroded into a forgotten past since Republican Ronald Reagan, and Fox News, was elected in 1980. Nearly all of you reading this don’t even know a time when workers only needed one job to support a home and family, had pensions, and had health insurance that was provided. Now you live with 2-3 jobs, have no health insurance, can’t afford a home (or rent), can’t afford college or even a new car, and make less than your grandparents. The media glosses this over calling the extra jobs “side hustles” and your lack of a career with dignity is because you’re a generation of “self starters.”

You weren’t born to be a wage slave for billionaire oligarchs and the petty tyrants they hire to be middle managers. Spread the word and unionize. Fight for it. People in the 1800’s literally battled armed mercenaries, cops, and the military for the right to union jobs that let them live and earn with dignity. Don’t let their spilled blood and deaths be in vain. The United Auto Workers and other unions tried repeatedly to get Tesla unionized. Unions are out there and willing to help. It only takes a few phone calls to get the ball rolling.

Muskrat promised his workers free frozen yogurt and a roller coaster ride from the parking lot to factory if they voted against unions, I shit you not. He never delivered either. He did spend millions on union avoidance firms to come in and lie and scare workers into voting no. Now they’re treated like cotton plantation slaves and told they will be literally living on a production line.

To put this into the identity politics millennials are drawn to, unions are the only working environment where marginalized people are protected and have recourse against discrimination and mistreatment in the workplace. If you are mistreated you can file a grievance and if the management doesn’t redress the issue then they are taken to contractually mandated arbitration or court with union supplied lawyers. If you have never worked in a union shop you have no idea what it’s like to not be fearful, to have dignity, and to know people are obligated to protect you from management.

It’s the only non-union automaker in the country.

[theconstitutionisgayculture]

I’m neither republican or democrat but I hold views of both sides to some extent. That being said, I think democrats needs to stop being so eager to let any and everyone in this country. America first. I am pro choice and for higher wages and better parental leave. But as a republican, what do you think can be done to have more affordable housing and better healthcare such as more affordable insurance?

Get the government out of the economy.

Obviously these are complicated issues that need nuanced solutions, but to try and put it simply, most every economic problem we have right now is caused, at least in part, by overregulation, overtaxation, a worthless fiat currency, a fed that floods the market with money at the whim of politicians thereby devaluing the currency even more and other, similar, issues. One of the main reasons it costs so much to live in certain places is because of taxes. One of the main reasons healthcare costs are so high is because the government protects insurance companies from both failure and competition.

There's a scene in Independence Day where, I believe it was Jeff Goldblum's character, asks how the government funds Area 51. His father answers "What, you don't think they're spending $20,000 on a hammer, $30,000 on a toilet seat, do you?" but that's kind of exactly how health insurance works in this country. The prices for services and equipment are massively inflated, because insurance companies can afford to pay $30,000 for a toilet seat. And because a toilet seat now costs $30,000 dollars, the regular Joe working 9-5 needs insurance if he wants to use that bathroom. But in order to get that insurance, he needs to pay a certain amount every month until he needs to use it, with no guarantee that he'll ever have to use it. So over the course of his life, he ends up paying a lot more than $30,000 for a toilet seat he'll probably never use. And because 330 million people are all paying for insurance, those insurance companies can afford a lot of toilet seats that most people are never going to use. So where does the rest of that money go? Into the pockets of politicians who make sure that the scam the insurance companies and the hospitals have going on is all nice and legal. But it's unethical. And more than that, it's unsustainable. The whole thing will come crashing down at some point. To avoid that, we need to start dismantling it piece by piece. Get back to the way things were before insurance when people could pay out of pocket for almost all the medical care they'd need.

As for the economy as a whole, eliminate most taxes completely, lower the taxes that remain significantly, slash all regulations that hinder small businesses from competing in a market dominated by politically connected multinational corporations, kill the last vestiges of Obamacare, gut the welfare state, bring back the gold standard, stop all foreign aid that doesn't directly benefit this country and its citizens, and you'll start to see massive improvements in nearly all aspects of society.

None of this will be easy. Most likely, it will never get done until the whole system collapses under its own weight. But everything I mention is possible. It's not a pipedream, like perfect communism or anarchism magically springing into existence and solving all our problems.

[sweetcloverheart]

It's kind of funny how the later Saw movies try to push this idea of Jigsaw being this "noble" lawful-evil type anti-villain who only goes after actual evil/morally dubious people for his whole "appreciate life" shtick, only to proceed to have a (relatively) innocent person murdered/endangered in one of his death game for being tangentially related to whoever he's testing - like the janitor in Saw 6 who basically got killed because he had the nerve to have bad lungs and be working a shitty 9-5 mopping floors for a scummy insurance company that probably didn't even give him any real benefits

[likesplatterpaint]

Welp. Uh.

A few days ago I got an email from a recruiter reaching out to me on behalf of a ritzy private school in our area, looking for a 9-12 art teacher.

I replied with how flattered I was, but they were currently offering 12k less than what I make, and I’m primarily specialized in digital arts now.

She said she’d pass that along. The head of school has reached out to me today to discuss further. Uhhhhh???

Pros:

Change of scenery,

much smaller class sizes,

Beautiful campus

fewer discipline issues (school has a great reputation and two of my rockstar 8th graders left to do high school there)

fewer IEPs to juggle (my 2nd pd class is 20 students with 11 having needs, 3rd pd is similar with two having significant modification needs)

No teaching comp sci

No teaching middle school, which is fine right now but usually is a huge source of my stress

Less chance of school shooting jfc

Cons

Longer commute (34 min vs my current 22)

Loss of union protections

Potential loss of good benefits (our insurance is hella)

No tenure, likely at will

Fine art position, which means back to teaching drawing, painting and sculpture and not my current specialization. I’ve never taught traditional fine art at the high school level and made a fuss about doing so last year alongside my digital stuff because it was 5 preps ffs. (Now I’m teaching 5 preps anyway)

Unknown environment- I would be leaving a tight knit staff where I am known and respected for the most part

Im getting that they have a pretty big emphasis on teachers being involved in extracurriculars, which I have mostly ignored at my school

Being the type of dickwad that leaves mid year (I would potentially see if they would wait til spring semester because Yikes for my kids)

Unknown situation with subs/leave- I currently have 18 sick days and 3 personal

Unknown situation regarding payscale- where I am now, I can expect to at least go up one step every year and get some sort of COLA

Right now cons look like they’re winning but I think I’ll still talk to the head of school, just to see. I spoke to my coworker whose daughter left for there and she said it’s amazing there, would teach there herself but for the fewer protections and benefits.

Life what u doin

[darkmaga-retard]

Monday August 5, 2024 Truth Bomb

There have been depopulation efforts/plans/agendas put in place for many decades. One of these plans was from Henry Kissinger and his Kissinger Report (NSSM-200) Depopulation is a number one priority of the globalists. Not because they care about people or the earth but because it is literally impossible for them to gain total control of 8 billion+ people. 1-2 billion is there limit and possibly even less but make no mistake it is ALL ABOUT CONTROL. I am not saying I believe 100% (of course I also believe it could be 100% true) of what is in the articles below but if just 50% is true we should be very concerned.

Secret POPULATION CONTROL Operations: Drug the Water Supply, Destroy the Family, Reduce Fertility (1969) - ARTICLE/VIDEO (2 min.)

Killing the Useless Eaters: Crazy History of Food Stamps & Population Control - The ABCs of EBTs (Part 1) - ARTICLE

WALMART KILLING FIELDS: Getting RICH OFF DEATH (Part 2) They Literally Got Paid Each Time Someone DIED -UNTOLD HISTORY - not sure if all of this is true but I also am not naive enough to think it is not very possible. Our government is corrupt why would it not be possible for corporate America to be every bit as corrupt - how many employees read the small print. I have a life insurance benefit from Verizon as a retiree of $10K (I pay no premium). I now wonder if they took out a $100K policy on my life with a payout to my family of $10K after I die and they collect $90K. In this 2 part article I truly believe they have poisoned our food (on purpose) supply with all of these fast food restaurants and packaged food/meals. I personally NEVER eat at a fast food restaurant and I do not eat boxed/process food and have not for years and at 75 years old I have no health issues and take no medication and I am not over weight. In this era of corruption all around us the best thing people could do is eat as healthy as possible. ARTICLE

Information on Dead Peasants Insurance

ICAN's No Placebo Chart - the chart in this article is very telling - ARTICLE

The Blow That Ended America 100 Years Ago - For those that might not be aware of the most devastating year in US history. Thanks to Steve S. for sending this to me. I am sure most people are aware of the events that took place in 1913 but it is an interesting read and reminder. ARTICLE

Kamala Word Salad or Marxist Code - 1 min. 28 secs. VIDEO