#Personal Care Products Scam

[quickkflash]

FTC Distributes $2.8 Million in Refunds to Victims of Deceptive ‘Free Trial’ Scheme

WASHINGTON, D.C. — The Federal Trade Commission (FTC) announced the distribution of more than $2.8 million in refunds to individuals misled by a fraudulent “free trial” scheme orchestrated by Apex Capital Group and its associates. This initiative marks the culmination of a legal battle that commenced in 2018, targeting deceptive marketing practices in the personal care and dietary supplement sectors.

The FTC’s 2018 complaint against Apex Capital Group, alongside Phillip Peikos, David Barnett, and various affiliated entities, unveiled a complex operation exploiting online consumers. Marketed under the guise of “free trial” offers, the products were instead sold at full price, with consumers unknowingly enrolled in ongoing subscription plans. This deceptive practice ensnared countless individuals into unauthorized financial commitments, leveraging an intricate network of shell companies and straw owners both domestically and internationally to process payments.

The fraudulent operations, which began in early 2014, saw a range of personal care items and supplements pushed onto unsuspecting consumers. The scheme persisted until November 2018, when a court order, prompted by the FTC, effectively halted the deceptive activities.

In the aftermath of this legal victory, the FTC is dispatching 153,940 refund checks to affected consumers. Each recipient is advised to cash their checks within 90 days, as indicated. This refund process is a significant step in providing restitution to those impacted by Apex Capital’s unscrupulous business practices.

[oblique-lane]

Spy tf2 and his identity

Character analysis (or at least my vision on him, if you believe my reasoning)

What do we know about Spy? He's a disguise mastermind. He can pretend to be anyone in order to infiltrate into the scene to do his job - quite literally, stab people on the back. But when he's not in the battle, what is he to his teammates? A suave Frenchman, a gentleman with taste, somewhat a leader.

At least, that's the persona he prefers to show. But is he really..?

What if I tell you that this person never drops his disguise?

For a man who always wears a mask and who's identity being secret is a sacred part of his role in this job, isn't this persona too much to show if it is real? Frenchman, rich, ladykiller... Wouldn't it be too easy to decipher his identity with so much clues provided? Wouldn't it be dangerous?

While Miss Pauling and the Administrator definitely know Spy's real identity, hiding it is a major thing for whatever reason. One could assume it might be because of Scout (obvious guess) but I doubt he's a sole reason. Spy very much enjoys being the Spy all by himself. Do what's the deal?

Let's start from the beginning.

Why did Spy join Mann Co. in the first place?

Let's take this assumption as a fact: people come here out of desperation. They are professionals in their field, yet in their past/casual life there is a pattern of them having difficulties that push them into joining this service. I don't see why Spy would be an exception.

The reason for joining is usually money. Some people question why Spy, a wealthy man from higher society, would join Mann Co. if he has it all already.

Well, probably because he really does not.

Have you ever met an aristocrat? Wealthy people don't get so protective about their expensive suits, they can afford cleaning or a new one. Regardless, rich people don't usually get stingy about material goods, especially if they're mass produced.

At least, not those who were born into wealth.

Spy's defensiveness about his "wealthy stuff", his pomp-ness, disgust and arrogance towards "plebs" gives off a man who knows what it means to live in poverty and who doesn't want to be associated with it ever again.

(Not even talking about his own filthy habits such as not washing his mask and pissing on walls? Jesus Christ)

Dare I even guess that he might be not French at all? His French is so broken. (Although, so is Medic's German, but at least he uses his language much more frequently and in more complex sentences, while Spy only uses French to say some basic expressions, occasionally confusing them with other languages). Definitely not a native.

If anything, he's not giving "rich man" at all, he's giving con man. And that fits my picture perfectly.

So, poor upbringing. How old is Spy? If he's Scout's father (and he was young when he was conceived), I'd say he's no less than 20 years older than him. I'd give him a few more years actually. So, approximately Spy is around 50 at the events of the game (1968-1972). Let's assume he was born somewhere in the 1910s.

Even if he's not French, I still agree that he's probably European. Hmm, what was happening in Europe at the time Spy was a kid?

Oh yeah. The Great Depression.

See my picture: imagine, a child from a lower class family during the Great Depression, his parents were most likely to not take good care about him (both because of the economical situation AND as an echo to Spy's struggles with his own fatherhood). He has to run away from home early and start to make money. Any way possible.

Unavoidably, it leads to crime.

Petty theft, blackmail, scams. Changing identities. Selling low quality products and services. Changing identities again. When older, seducing rich women to stay at their homes overnight, be fed and supported. Running away from the police. Walking into a trap of the mafia, and then joining them as their goon.

In this nightmare of a life he just had to keep pretending to be someone else, someone better and stronger, in order to his ego to not completely shutter. He had to imagine he was an invincible mastermind trickster of some sort, not just a poor boo-hoo victim of poverty who has never knew normal life and care.

And if you pretend for long enough, you become your role eventually... Right?

His true self was long lost forgotten under many layers of new identities. Worse, his true self was never known. And he didn't want it to be known in its ugly and disgusting vulnerability. Narcissism became his lifeline.

It's so much better to be Spy. To be rich and elegant and respected. His ego rebuilt.

[thedisablednaturalist]

Literally all the shit rich people have turned into luxuries are stuff many disabled people need (or would need to manage their pain but can't afford it)

Comfy ergonomic chairs

Indoor pool/hot tub (therapy bath)

Massages on the regular

Aides (rich people call them servants)

Yea even a cook who makes you special meals (perfect for people with special dietary needs and for those with severe allergies, as well as people who are in too much pain or are otherwise unable to cook)

Elevators in your house (even small ones just for groceries, my rich aunt has one in her beach house!)

Rich people don't buy these for fun I hope but custom powerchairs are obscenely expensive. It pisses me off when I see another person invent "the wheelchair of the future!" Which then is literally never fucking used because none of us can afford it (and insurance definitely won't pay)

Indoor gyms or even personal exercise equipment. Hard to go out to a gym somewhere else when you're disabled, especially if you are immunocompromised

Outdoor spaces to relax in. It's literally vital for your mental health to at least see the outdoors. I'd rather be bedridden in a sunroom (with retractable blinds) than a shitty apartment with one tiny window.

There's even freaking health retreats these people go to regularly. There's a fibromyalgia retreat in new york where they basically take care of all your needs while trying different treatments and seeing which ones help. Either it's heaven or making money off of scamming desperate people who are able to scrape the money together to go.

Private planes, which I honestly think shouldn't exist, but one that specifically catered to people with disabilities (spaces for wheelchairs/other mobility devices, accessible handicapped airplane bathroom, anxiety reducing tools, trained medical personnel and care team)

Also customized cars, except instead of making gas guzzling racecars to joyride in while everyone else is trying to get to work, cars with electric ramps, lifts, doors, cars customized for someone with limb differences. Those cars where you can roll your wheelchair right up to the wheel. Fuck even self driving cars once they are no longer deathtraps.

Skincare products that are safe for sensitive skin like eczema but also actually work

Nice-looking clothes customized to fit limb differences, access points, look good in wheelchairs, colostomy bags, etc. while also being comfortable and not fast fashion.

Dental care!!! What the fuck why is this shit so expensive!! I don't want my teeth to fall out!! (Disabled people usually need more dental care bc we have a harder time keeping up maintenance)

Rich people go and splurge on all of these even though they don't need them while calling disabled people selfish for begging their insurance for even one of these.

[raven-at-the-writing-desk]

Do you have any crack headcannons like you did with Ace with hitting on Jamil?

I have one of Grim knowing how to use a toilet like a person would but not how to open doors. So during book 5. Guys would see Grim using the toilet, in the dark, in the middle of the night if they have to. They see two bright circles in the bathroom until they turn on the light.

[Referencing this post!]

👆 This scene from Puss in Boots 2 except it’s Grim and Yuu—

I have a lot of silly personal headcanons (probably way too many to contain in a post)! Off the top of my head:

A frequent topic among the first years is romance. It's mostly because Ace instigates (usually to brag about how much experience + game he has and how everyone else is a LOSER). Deuce and Epel are flustered, Jack tries to be mature and call out Ace's childish behavior + views, Sebek loudly compares what Ace says to the things he has read in his romance novels + advice from Lilia, and Ortho--shockingly--is the most level-headed and logical of the group. (He'll take one look at Ace's vital signs and declare the guy is actually lying about having rizz.)

(PREFACING THIS ONE WITH THE CONTEXT THAT I WAS SUFFERING REALLY BADLY FROM MONTHLY CRAMPS AND CAME UP WITH THIS TO COMFORT MYSELF) Due to their heightened senses, fae and/or beastmen are able to sense very subtle changes, such as shifts in weather (ie a storm is rolling in) and changes in the body. For example, local feminist king L*ona can somehow sense when "that time" of month is coming and will show up on some poor woman's doorstep a few days before it starts with a plastic bag of [feminine hygiene products], snacks, pain relief medicine, and a heating pad in it. He gives NO explanation, just unceremoniously tosses it on the floor before he turns around and peaces tf out.

Mostro Lounge staff are granted paid lunch breaks, but if they choose to eat from the lounge then they still need to pay for 50% of it. They once tried to unionize, but Azul sent in the twins to shut it down real fast.

Jade and Trey love really bad puns and dad jokes.

The Magic Carpet is Scarabia's unofficial mascot. The mobs generally like it and act like it's the dorm's collective pet dog. Sometimes they drop scraps of food for it from banquets/parties (... D-Does it eat? If so, how...?).

Crewel and Vil heard about the time the Ramshackle Ghosts designed and made Yuu + Grim Halloween costumes. They decided to work with the ghosts to make a fashion line using repurposed old fabrics for a charity fashion show. Proceeds went to an environmental conversation organization.

Lilia hates milk substitutes. He finds them offensive and it breaks his heart to see others ask for the "fake stuff". Insists that those are not "true milk", "It's just nut or grain water!! NUT OR GRAIN WATER!!"

Lilia goes on dating apps just to see who he can bag, then he kicks down the door to the Diasomnia lounge to brag that he’s “still got it”.

Malleus learned about swear words from Leona. (He asked Lilia what a “flying fuck” was because Leona said it in front of him 😭)

Crowley has a 20-step beauty routine. Also sings (terribly) while he engages in self care.

Fellow goes on dates just to scam women of their valuables and/or to leech off their resources for a little while. His ideal targets are lonely wealthy widows and/or lonely wives whose spouses are often busy with work or traveling. Usually ends with him getting smacked by the woman, chased off by an angry spouse, or him pathetically groveling for mercy at their feet.

[chrissv4mp]

WHY AREN'T YOU HOME?

NAVIGATION — SERIES MASTERLIST

● — The cool air of the night hit you just perfectly, the heat from the party you had just stepped away from almost completely gone now. You don't even know why you agreed to attend this party. It was just some stupid event for people with over 1M followers on Instagram. Your friends were the ones who convinced you, and you really wish they hadn't.

Your manager said it was good for you as well, and what else were you supposed to say? You weren't really the best at saying no to people, either. So, you had no choice other than to come.

As you sit down on the side of the sidewalk, you rest your chin on your palm, staring out into the empty backlot of the building, eyes darting all across the parking lot until all you can see is darkness. Your phone buzzes repeatedly in your other hand, signaling that a call was coming through, but you couldn't care less.

It was probably just more scam callers trying to sell you some fake product, but as you decline the call, you realize it's not the same number. Your phone buzzes again, "No Caller ID." Flashing at the top of your screen in bold letters. Who else would call you at 10 pm?

Your thumb presses down on the answer button, sliding it to the right and watching as the call duration begins to rise slowly. You move the phone up to your ear, lips parting to speak but not getting any words out before the person on the other line goes first, "Why aren't you home, Y/N?"

It almost feels like your heart stops once you hear those words. You take a deep breath, trying to find an excuse. Maybe it was a fan who just... possibly happened to guess your number? Fuck.

"You got the wrong number, sir." You mutter nervously, but as you hear a chuckle on the other line, it finally sinks in. How could you forget?

"Dont'cha think I'd remember your number after all these calls, sweetheart?" He says, his tone playful. You hated how he was always able to play with you, "Now, answer my question, Y/N. Why. Aren't. You. Home?"

You let out a shaky breath as you stand up, head turning to look at your surroundings as you move to the backdoor of the building, "How do you I'm not?"

The man just scoffs, and you flinch at the loud shatter of glass you hear from the other side of the phone. His tone is more stern this time, almost growling into your ear, "Because I'm at your fuckin' house. Don't play these games, Y/N, you know better.

"Stop calling me!" You retort, breath catching in your throat as you realize the door had locked behind you when you came outside, "Shit." You whisper.

"Block my number." He replies quickly, giggling as he hears your frustrated sigh, "Awh, wait—You can't. 'M'Just gonna change my number, maybe get a new phone...?" He trails off.

You can practically hear the stupid, cocky smile on his face even through the phone, and it makes you wanna throw the device onto the hard pavement beneath your feet, "Fuck off."

As you move the phone away from your ear and hover your thumb over the bright red button to end the call, you hear a loud, booming voice scream at you from the other line, "DON'T HANG UP, Y/N."

Shivers are sent down your spine at his authority, but you still disobey him. You swiftly end the call and then quickly run towards the alley that leads to the front. No thoughts run through your mind except him. Where was he? Your house wasn't that far. Was he here?

As you turn to round the corner towards the front, you feel a pair of hands grab at your waist and roughly pull you down onto their body. You both fall backward, his body acting as a pillow and lessening the impact of your fall.

Before you can scream, his slaps a hand over your mouth, his other hand on your waist in an attempt to get you to stop squirming, "Don't wanna hurt you, mamas, just—Fuck—Close those pretty lips for me."

You only continue to struggle against him, punching all over his body to try and get him to let you go. He doesn't, and it's only when you turn your head that you can see his face. His eyes are wild, and his lips are full, parted so as to let out heavy breaths.

"Hey, you."

@jetaimevous @livialifesblog @watercolorskyy @blahbel668 @her-favorite @wiidfi0wer33 @loving1dsworld @fallingforfallthings @ncm9696 @hrtsdollie @snowysosturn @1800-love-me @ladyy-whistle-d0wn @ginswife @spideylovin @dej4vhs @strnlxlqve @joemamaaa42069 @fratbrochrisgf @slut4chriss @h3arts4harry @str4wberryk1sses @riasturns @nwlluvsturnsstars17 @asimp4chris @byneptunee @ilove2021chris @freshloveforthefit @sturniologals @ifwdominicfike @sturnsdoll @3lizaluvs @matt444nixi @nikki-starx @notmylaa11 @fionaheartswomen @sturni0l0 @sturniolofannnlmao @demzzz @n3-vaeh @melanch0lybby @viiiwwwee @johnniesverr @kaisturni @chrissfawn @obsessedwurex @flower-sturns @styrnioloss @oliviasturniolo21 @lucysturniolo

[cruelplatonic]

my personal headcanon is the vees were unremarkable nobodies when they were alive. i just love it as a thematic throughline for them. they love to let the public of hell speculate on them being famed and acclaimed since before death, but the the truth is they were a d-list failed influencer that got by on cheap controversey and scamming, a broke junkie who burned every shaky bridge he ever had, and a worn-out broadcast production assistant with more rejected auditions and tossed out script pitches than he could count. nobody missed them when they were gone, nobody cared who they were until they were dead.

[igotanidea]

Mysterious box: Jason Todd x reader

Warning: a little innuendo, but generally it's supposed to be funny, cause it's hot outside and I'm suffocating.

***

She was sitting in her work, praying for the hours to pass quicker.

Honestly the day was closer to hell than anything else.

Chair was uncomfortable pressing into her back.

Hair was sticky due to the excessive heat and lack of air conditioning.

Y/N could almost feel the beads of sweat running down her back, sinking into the crack.

Disgusting!

And yet, the boss didn't seem to care, sitting in his state-of-art office equipped with all the technology to keep him untouched by the weather and separated from the hoi polloi that his employees were.

Prick!

As if she (and the whole office to put it bluntly) didn't know that what the boss was doing behind those tightly closed doors had little if anything to do with working.

Rather making personal calls and chatting on facebook while his peons worked their asses off.

Y/n's annoyance started increasing in direct proportion to the heat outside (and inside). Finally, losing the last remnants of self-control and dignity and missing the fact that she needed this job, the girl raised from her chair, ready to march into her supervisor bubble and shove some things up his face even if that meant getting sacked or-

"Miss Y/N Y/L/N?"

She spun around at the sound of her name, reacting instinctively.

"Yeah, that's me."

"I got a package for you." the man that suddenly became much more real to Y/N's haze brain and slowly turned into a deliveryman put an acknowledgement of receipt under her nose. "Can you sign this?"

"But - I didn't order anything-'' she frowned, over analyzing whether this was some sort of scam.

"It's already paid for."

"By who?" the frown grew more stern at those words.

"I don't know, maybe you have a secret admirer?"

"I'm taken-"

"Look. Miss. honestly. I don;t care." the guy finally started to get irritated. "This has your name on it. And the price is settled. So could you please try to not make my job harder and sign it? Please?"

"Oh." She blushed a little, realising that she was behaving like a proverbial Karen. "Yeah, sure, of course, I'm sorry." With quick motion her signature ended on the paper.

"Thank you." He seemed to be relieved at her change of attitude and quickly rushed out the door, muttering something about whiny girls.

And now she was stuck in the middle of the office open space, with the biggest package ever, wrapped in red paper with an elegant leather ribbon adorning it.

Having all her colleagues' eyes on it.

Right. Cause nothing livens up a shitty day like putting the attention onto someone else.

"What is it?"

"Who is it from?"

"Can we see what's inside?"

"Come on Y/N, unwrap it here!"

The voices started attacking her from every direction, but she knew better than to react or - god forbid - subdue.

Using the moment of commotion as her coworkers began to close in on her like zombies starved for entertainment, she quickly grabbed the box. Diving between the stretched arms and the thicket of legs, Y/N miraculously managed to reach the bathroom, locking the door behind her, finally getting a moment of peace to inspect the gift.

***

Jason sent her the set of 10 Dior body care products...

Which must have cost a fortune. And as she started to unwrap all those little vials and boxes, her eyes bore into a note.

Princess,

Last night, when we were "busy" I noticed your skin being a little dry. Hopefully, this little set of things will remedy that problem. Use it tonight. I'll be sure to drop by your place around midnight.

Shit.

She felt her hands shake a little at the innuendo, but that was not everything.

And don't you worry about the price, sunshine. No money in the world can compare with the way you feel wrapped around me and the way you're skin brush against mine. Want you all soft and wet tonight... I got so many ideas of how to make sure those products won't go to waste...

Oh...

She was so right to get inside that bathroom.

Because the stain on her panties had absolutely nothing to do with the weather and temperature. 

[leoascendente]

Astro observations part 4🌛

🪐 Aquarius moons usually have their mother an another mother figure that also fits in the nurturing mother archetype, like they have their mum but also an aunt or a grandmother that takes that role intheir lives too.

🪐 Neptune in the 6th house, be careful with being scammed with health products, Neptune in the 11th be careful of being scammed online

🪐 Hey my Aries/Scorpio moons out there, do you like your showers at the temperature of hell too? or it's just me??

🪐 Capricorn Mercury= Masters of sarcasm, Aqua/Sag Mercury= You'll laugh until your tummy hurts

🪐 Pisces lilith can be the most charming people in the world but their defense mechanism is victimization and make you feel bad for what you've done

🪐 Libra mars has the title of being undecisive but have you met any Libra mercury?

🪐 Cancer rising/ 1st house moons are the best making people feel comfortable and safe at their presence

🪐 Mercury square/opposite Pluto usually makes the native highly aware of other people's mindsets

🪐 Not all people have it easy to fit in their rising sign because the rising is our vehicle to embody our sun sign. It can be even harder if the ruler of the rising is bad aspected with pluto or mars. Ex: a libra rising doesn't have to feel comfortable in formal relationships or socializing, even they can run from commitment if Venus is bad aspected but if their sun is in capricorn, they'll need these social interactions to embody capricorn's energy

🪐 Water/earth Mars are the best at kill them with kindness, they'll be the nicest persons in the world with you while they wait until you get what tou deserve, they'll be warching but won't bother enough to get involved

🪐 Libra and Capricorn Venus are the most elegant people I've ever met, they give off this old money aesthetic

🪐 Mercury on air signs have it easier for learning about sciences, Mercury on Gemini or Sagittarius are great learning new languages

🪐 Earth Mars are awesome working under pressure, they have the gift of keeping the focus no matter what

🪐 Virgo mars are awesome plastic surgeons

🪐 8th house deals with mysticism and the occult arts, 9th house is about religion and giving meaning to our existence, 12th hpuse deals with spirituality and the ethereal realm

🪐 Always trust your Cancer friend when they tell you someone gives them bad vibes

🪐 Pisces/taurus/cancer venus are the sweetest people ever

[mostlysignssomeportents]

The health industry’s invisible hand is a fist

On June 21, I'm doing an ONLINE READING for the LOCUS AWARDS at 16hPT. On June 22, I'll be in OAKLAND, CA for a panel and a keynote at the LOCUS AWARDS.

The US has the rich world's most expensive health care system, and that system delivers the worst health outcomes of any country in the rich world. Also, the US is unique in relying on market forces as the primary regulator of its health care system. All of these facts are related!

Capitalism's most dogmatic zealots have a mystical belief in the power of markets to "efficiently allocate" goods and services. For them, the process by which goods and services are offered and purchased performs a kind of vast, distributed computation that "discovers the price" of everything. Our decisions to accept or refuse prices are the data that feeds this distributed computer, and the signals these decisions send about our desires triggers investment decisions by sellers, which guides the whole system to "equilibrium" in which we are all better off.

There's some truth to this: when demand for something exceeds the supply, prices tend to go up. These higher prices tempt new sellers into the market, until demand is met and prices fall and production is stabilized at the level that meets demand.

But this elegant, self-regulating system rarely survives contact with reality. It's the kind of simplified model that works when we're hypothesizing about perfectly spherical cows of uniform density on a frictionless surface, but ceases to be useful when it encounters a messy world of imperfect rationality, imperfect information, monopolization, regulatory capture, and other unavoidable properties of reality.

For members of the "efficient market" cult, reality's stubborn refusal to behave the way it does in their thought experiments is a personal affront. Panged by cognitive dissonance, the cult members insist that any market failures in the real world are illusions caused by not doing capitalism hard enough. When deregulation and markets fail, the answer is always more deregulation and more markets.

That's the story of the American health industry in a nutshell. Rather than accepting that people won't shop for the best emergency room while unconscious in an ambulance, or that the "clearing price" of "not dying of cancer" is "infinity," the cult insists that America's worst-in-class, most expensive health system just needs more capitalism to turn it into a world leader.

In the 1980s, Reagan's court sorcerers decreed that they could fix health care with something called "Prospective Payment Systems," which would pay hospitals a lump sum for treating conditions, rather than reimbursing them for each procedure, using competition and profit motives to drive "efficiency." The hospital system responded by "upcoding' patients: if you showed up with a broken leg and a history of coronary disease, they would code you as a heart patient and someone who needed a cast. They'd collect both lump sums, slap a cast on you, and wheel you out the door:

https://www.ncbi.nlm.nih.gov/pmc/articles/PMC4195137/

As Robert Kuttner writes for The American Prospect, this kind of abuse was predictable from the outset, especially since Health and Human Services is starved of budget for auditors and can only hand out "slaps on the wrist" when they catch a hospital ripping off the system:

https://prospect.org/economy/2024-06-13-fantasyland-general/

Upcoding isn't limited to Medicare fraud, either. Hospitals and insurers are locked in a death-battle over payments, and hospitals' favorite scam is sending everyone to the ER, even when they don't have emergencies (some hospitals literally lock all the doors except for the ER entrance). That way, a normal, uncomplicated childbirth can be transformed into a "Level 5" emergency treatment (the highest severity of emergency) and generate a surprise bill of over $2,700:

https://pluralistic.net/2021/10/27/crossing-a-line/#zero-fucks-given

The US health industry is bad enough to generate a constant degree of political will for change, but the industry (and its captured politicians and regulators) is also canny enough to dream up an endless procession of useless gimmicks designed to temporarily bleed off the pressure for change. In 2018, HHS passed a rule requiring hospitals to publish their prices.

Hospitals responded to this with a shrewd gambit: they simply ignored the rule. So in 2021, HHS made another rule, creating penalties for ignoring the first rule:

https://www.cms.gov/priorities/key-initiatives/hospital-price-transparency/hospitals

The theory here was that publishing prices would create "market discipline." Again, this isn't wholly nonsensical. To the extent that patients have nonurgent conditions and the free time to shop around, being able to access prices will help them. Indeed, if the prices are in a standards-defined, machine-readable form, patients and their advocates could automatically import them, create price-comparison sites, leaderboards, etc. None of this addresses the core problem that health-care is a) a human right and b) not a discretionary expense, but it could help at the margins.

But there's another wrinkle here. The same people who claim that prices can solve all of our problems also insist that monopolies are impossible. They've presided over a decades-long assault on antitrust law that has seen hospitals, pharma companies, insurers, and a menagerie of obscure middlemen merge into gigantic companies that are too big to fail and too big to jail. When a single hospital system is responsible for the majority of care in a city or even a county, how much punishment can regulators realistically subject it to?

Not much, as it turns out. Kuttner describes how Mass Gen Brigham cornered the market on health-care in Boston, allowing it to flout the rules on pricing. In addition to standard tricks – like charging self-pay patients vastly more than insured payments (because individuals don't have the bargaining power of insurers), Mass Gen Brigham's price data is a sick joke.

See for yourself! The portal will send you giant, unstructured, ZIPped text files filled with cryptic garbage like:

ADJUSTABLE C TAPER NECK PLUS|1|UNITED HEALTHCARE [1016]|HB CH UNITED HMO / PPO / INDEMNITY [34]|UNITED HEALTHCARE HMO [101604]|75|Inv Loc: 1004203; from OR location 1004203|52.02|Inpatient PAF; 69.36% Billed|75|Inv Loc: 1004203; from OR location 1004203|56.87|Outpatient PAF; 75.83% Billed

https://www.massgeneralbrigham.org/en/patient-care/patient-visitor-information/billing/cms-required-hospital-charge-data

These files have tens of thousands of rows. As a patient, you are meant to parse through these in order to decide whether you're getting ripped off on that HIP STEM 16X203MM SIZE 4 FEMORAL PRESS FIT NEUTRAL REVISION TITANIUM you're in the market for (as it happens, I have two of these in my body).

Kuttner describes the surreal lengths he had to go through to prevent his mother from getting ripped off by Mass Gen through an upcoding hustle. By coding her as "admitted for observation," Mass Gen was able to turn her into an outpatient, with a 20% co-pay (this is down to a GW Bush policy that punishes hospitals that charge Medicare for inpatient care when they could be treated as outpatients – hospitals reflexively game the system to make every patient an outpatient, even if they have overnight hospital stays).

Kuttner's an expert on this: he was national policy correspondent for the New England Journal of Medicine and covers the health beat for the Prospect. Even so, it took him ten hours of phone calls to two doctors' offices and Blue Cross to resolve the discrepancy. The average person is not qualified to do this – indeed, the average person won't even know they've been upcoded.

Needless to say that people in other countries – countries where health care is cheaper and the outcomes are better – are baffled by this. Canadians, Britons, Australians, Germans, Finns, etc do not have to price-shop for their care. They don't have to hawkishly monitor their admission paperwork for sneaky upcodes. They don't have to spend ten hours on the phone arguing about esoteric billing practices.

In a rational world, we'd compare the American system to the rest of the world and say, "Well, they've figured it out, we should do what they're doing." But in good old U-S-A! U-S-A! U-S-A!, the answer to this is more prices, more commercialization, more market forces. Just rub some capitalism on it!

That's where companies like Multiplan come in: this is a middleman that serves other middlemen. Multiplan negotiates prices on behalf of insurers, and splits the difference between the list price and the negotiated price with them:

https://www.nytimes.com/2024/04/07/us/health-insurance-medical-bills.html

But – as the Arm and a Leg podcast points out – this provides the perverse incentive for Multiplan to drive list prices up. If the list price quintuples, and then Multiplan drives it back down to, say, double the old price, they collect more money. Meanwhile, your insurer sticks you with the bill, over and above your deductible and co-pay:

https://armandalegshow.com/episode/multiplan/

The Multiplan layer doesn't just allow insurers to rip you off (though boy does it allow insurers to rip you off), it also makes it literally impossible to know what the price is going to be before you get your procedure. As with any proposition bet, the added complexity is there to make it impossible for you to calculate the odds and figure out if you're getting robbed:

https://pluralistic.net/2022/05/04/house-always-wins/#are-you-on-drugs

Multiplan is the purest expression of market dynamics brainworms I've yet encountered: solving the inefficiencies created by the complexity of a system with too many middlemen by adding another middle-man who is even more complex.

No matter what the problem is with America's health industry, the answer is always the same: more markets! Are older voters getting pissed off at politicians for slashing Medicare? No problem: just create Medicare Advantage, where old people can surrender their right to government care and place themselves in the loving hands of a giant corporation that makes more money by denying them care.

The US health industry is a perfect parable about the dangers of trusting shareholder accountable markets to do the work of democratically accountable governments. Shareholders love monopolies, so they drove monopolization throughout the health supply chain. As David Dayen writes in his 2020 book Monopolized the pharma industry monopolized first, and put the screws to hospitals:

https://pluralistic.net/2021/01/29/fractal-bullshit/#dayenu

Hospitals formed regional monopolies to counter the seller power of consolidated Big Pharma. That's Mass Gen's story: tapping the capital markets to buy other hospitals in the region until it became too big to fail and too big to jail (and too big to care). Consolidated hospitals, in turn, put the screws to insurers, so they also consolidated, fighting Big Hospital's pricing power.

Monopoly at any point in a supply chain leads to monopoly throughout the supply chain. But patients can't consolidate (that's what governments are for – representing the diffuse interests of people). Neither can health workers (that's what unions are for). So the system screwed everyone: patients paid more for worse care. Health workers put in longer hours under worse conditions and got paid less.

Kuttner describes how his eye doctor races from patient to patient "as if he was on roller skates." When Kuttner wrote him a letter questioning the quality of care, the eye doctor answered that he understood that he was giving his patients short shrift, but explained that he had to, because his pay was half what he needed, relegating him to a small apartment and an old car. The hospital – which skims the payments he gets for care – sets his caseload, and he can't turn down patients.

The answers to this are obvious: get markets out of health care. Unionize health workers. Give regulators the budgets and power to hold health corporations to account.

But for market cultists, all of that can't work. Instead, we have to create more esoteric middlemen like "pharmacy benefit managers" and Multiplan. We need more prices to shovel into the market computer's data-hopper. If we just capitalism hard enough, surely the system will finally work…someday.

If you'd like an essay-formatted version of this post to read or share, here's a link to it on pluralistic.net, my surveillance-free, ad-free, tracker-free blog:

https://pluralistic.net/2024/06/13/a-punch-in-the-guts/#hayek-pilled

[cheqorb]

Destined for Each Other.

Being the ever productive human you are, you download a cringey love calculator app for fun.

FEAT. Blue Lock ensemble

NOTES. wEorst feeling is when you want to write but can’t be bothered to, this has been sitting in my drafts for a HOT minute. small drabble before i die of heatstroke, enjoy

You’re lounging on your couch, aimlessly scrolling through your phone when you stumble upon the greatest app you’ve ever seen. Like, this must’ve been the reason why the internet was created. Your entire life was for this one thing. The name alone, Love-o-meter 2000, sounds like it was invented by a 13 year old writing fanfiction for the first time.

But hey, you’re bored and there’s something about the heart emojis, pink sparkles and the promise of ‘definitive proof of true love’ that speaks to you on a personal level. Maybe this is why people think you’re an easy target for scammers.

You download it — disregarding basic internet safety 101 of not downloading shit from suspicious websites — and the app’s interface is exactly what you’d expect: glittery, over the top with a soundtrack of what can only be described as weirdly romantic elevator music. Okay, so, enter your and your darling’s name and the Love-o-meter will calculate your love score (and possibly decide the fate of your relationship).

Pure, unadulterated pseudoscience.

It’s perfect, it’s everything you’ve ever wanted and it’s definitely not bordering on insanity.

You send a quick text to your beloved partner who’s literally just in the other room informing them of your very smart decision. The message is ambiguous, designed to intrigue or confuse them as the evil mastermind you are. “Going to a fortune teller to see if we’re destined to be together. Let you know how it goes xx.”

────

Rolling their eyes and sighing like the single mothers they are. Just what the hell have you got planned this time? They’ve been a victim of your schemes for the past few (what feels like) decades you’ve been together and are skeptical any time you message them out of the blue. Do they really want to know? Absolutely not and they refuse to engage in whatever witchcraft you’re trying to achieve.

Option one, they leave you on read.

Option two, they send a text with "Whatever you say, babe" for their own safety.

Rin, Sae, Post WC! Kunigami, Kaiser

Chigiri, Barou, Karasu, Raichi

────

Confusion flickers across their face as they stare at the text for a minute. They debate on sending a message asking what you even mean by that, but delete it at the last second. Is it worth the risk? No. So they opt for the safe, more loving response because they adore you enough to deal with all this. Ignoring the fact that you’re both at home, they text back, "Oh okay, you have fun with that. Love you :)"

Be careful with some of these people though; if their overthinking habits kick in, they’ll start to panic over if you’re (hypothetically) unhappy with the relationship.

Isagi, Pre-WC! Kunigami, Hiori, Nanase, Kurona, Niko

Reo, Ness, Tokimitsu

────

Immediately curious when they see the message and out of excitement, rush over to the room you’re in. They plop themselves down beside you, squishing their body against yours whilst peering over your shoulder to look at your phone. You can’t just say something like that and expect them not to want in on it! The pair of you are like kids at a sleepover for the first time with no adult supervision.

"If it doesn’t show up with 100%, this app is a scam and we refuse to listen to its lies, okay?" they add on, because as much as believing in this type of nonsense is fun; they don’t really feel like losing their partner today.

Bachira, Shidou, Aryu, Lorenzo, Charles

────

At a loss on what to do and (whether out of general inexperience with these types of things or sheer laziness) send a lacklustre "k" before putting their phone down to finish something else. Well, if it predicts something really awful, then they’ll…figure it out when the time comes. With you helping, of course.

Nagi, Gagamaru, Otoya

────

You type in your name first then pause to think (unheard of). Do you use their full name or some obscure nickname you gave them that one night which somehow stuck? Like, would it mess up the results? If you’re truly meant for each other, it shouldn’t matter. “Eh, better play it safe. Full name it is.”

You hit the heart-shaped submit button and wait eagerly. The screen flashes and you got…

Almost dropping your phone, you audibly gasp as you stare at the percentage. Four percent?! Okay, you might disagree with each other on some things but certainly not so much to be described as ‘Completely Incompatible’!

Obviously, you’re flabbergasted and the stupid thing has the audacity to play sad trombone music as you read through the description.

“You should think over this relationship a bit more. Maybe you didn’t notice the signs that were there through your rose-coloured glasses, but don’t give up on love entirely, there are plenty of fish in the sea!”

You have to stop yourself from shedding a tear and how on earth could you confess this to your beloved? They may not have taken you seriously the first time but suddenly texting them (or saying), “Yeah, this isn’t going to work between us </3 I’m sorry…” is sure to give them a scare. Cue them immediately responding and asking questions. Do you not love them anymore? Is it something they did?

…did you seriously go to a fortune teller?

Feeling kinda guilty for worrying them, you then send them a screenshot of the result/show them on your phone in person.

────

More annoyed at you if anything, don’t scare them like that again. Especially not over a result of a game, and they tell you as much. Some of them are actually a little bitter over it though, because, who does this app think it is? You are soulmates and even if you’re annoying sometimes (most of the time), you’re still theirs.

Post WC! Kunigami, Barou, Raichi, Rin, Sae, Karasu, Kaiser

────

Laugh it off but secretly thanking whatever gods blessed them because those few minutes of silence, just blankly looking at your text message were possibly the worst minutes they’ve ever been through. Genuinely had to get up and go to you in person to see if this was another one of your jokes or if you were being serious — with you, it’s hard to tell.

Isagi, Reo, Hiori, Nanase, Kurona, Niko, Lorenzo, Otoya

────

Cry, chuck their phone to the floor, and basically slam the door open to see you. Tears are streaming down their face before they even say a word. You’re not leaving right? Don’t you love them? Please don’t end everything here…Oh it’s just an app?

Still, they’re not forgiving you (lie) for that stunt unless you reassure them that you love them and would never leave them.

Ness, Tokimitsu

────

Gasp, out of shock more than anything. Most of them are the ones who came to you in the beginning — meaning they know exactly what you were doing — but it doesn’t matter to them. Disregarding what they said before, they take full offence to the result. They’re already prepared to leave 156 bad reviews on it just for this act of treason. Or they just get pouty for a bit until you comfort them.

Bachira, Shidou, Aryu, Charles

────

Didn’t get what you were trying to do to begin with, and maybe still don’t, but they’re glad you’re not actually breaking up with them! It’s barely noticeable unless you watch them like a hawk, but they make the effort to spend more time with you afterwards. They’re not too sure why themselves, thinking it just feels right.

Nagi, Gagamaru

[hoodreader]

𝒜𝐹𝑅𝒪𝒮𝒯𝑅𝒪𝐿𝒪𝒢𝒴

𝐵𝐼𝒢 𝒞𝐻𝒪𝒫 ✂️ when u remove a large bulk of ur hair.

people big chop for a lot of reasons. for one, there’s financial costs. black hair care is expensive. and that’s because a lot of these companies are scamming us but i digress. when u have less hair, u can use less product. other reasons are cultural or spiritual. some is because certain hair types can be time consuming to work with. other reasons are because the person likes their hair short!

so whatever ur reason, cutting ur hair is a great choice for people wanting to do something daring or powerful with their appearance. read on to see my theories on big chopping.

MARTIANS. mars in the first house, aspecting the ascendant or inner planets, aspecting saturn, aries, capricorn, or scorpio placements.

maybe mars-ruled nakshatras (mrigashira, chitra, and dhanishta.) honorary mention to krittika nakshatra especially aries rashi, granted krittika is solar.

WHY? mars rules over sharp objects and things being cut. and krittika itself is the nakshatra associated with knives. mars is associated with short hair (both by choice & by balding). and mars is the planet associated with masculinity — long hair is viewed as a feminine trait. thus… martian girls tend to be “dark feminine,” androgynous, or masculine in presentation.

mars is also the planet of the face, & i think martians tend to have “cut” faces (defined features, appearing carved.) likewise, i think the hair sometimes conceals the face and when hair is removed, u can more easily see the face.

for the martian naks… “maybe” is the operative word. in my case, i only really see chitras experimenting with their hair length. but krittikas? absolutely. aries rashi krittikas look amazing with short hair cuts. very elf-like.

SATURNIANS. saturn in the first house, saturn aspecting the ascendant. capricorn placements. saturn aspecting the inner planets.

maybe saturn-ruled nakshatras (pushya, anuradha, and uttara bhadrapada.) etc.

WHY? it honors saturn to regularly purge or energetically cleanse. this doesn’t have to be as dramatic as a big chop, but they are a form of it. our hair holds a large amount of energy.

i notice women - especially black - cling to dead, unhealthy hair b/c the fixation on length. whether the ends are splitting up the shaft, or it’s chemically / heat damaged, etc. i think that’s because black women tend to have trauma relating to hair. cutting ur hair usually frees u from that cycle of valuing urself so much on ur hair. ur more than that.

explanation from @/vindelllas. it reads, “if one suddenly removes their hair, they will likely feel the energies they so desperately crave move in that direction. to clarify, u probably have noticed how if someone is particularly struggling with their mental health, they like to cut or shave their hair.” — if u have the urge to make that step, it’s for a reason. u may crave to be “pruned” in order to control ur energy absorption.

now… for the saturn-ruled nakshatras… “maybe” is the operative word. i can’t really imagine pushyas liberally cutting their hair unless they had some martian or rahuvian influence. for anuradha, maybe to the chin or shoulders. i’m unsure about uttarabhadra.

RAHUVIANS. rahu aspecting the ascendant, or in the first house, rahu aspecting inner planets (especially saturn, venus, or moon), planets in rahu-ruled nakshatras (ardra, swati, shatabisha.) etc.

rahu is another body associated with short hair (through choice or baldness). & in my opinion, they undergo radical changes in appearance. they’re similar to martians in how they present themselves in a “dark feminine” way, or just refusing to subscribe to patriarchy.

i think the best public example of this would be doja cat, a chitra rahu conjunct her first house chitra sun & ascendant. she experienced a nodal reversal and immediately cut off her hair. then began reclaiming her kinky hair texture that was stigmatized against, to the point where she would verbalize that she hated it or she would cover it with wigs. but when she cut it off, i think it was the sign that she was beginning to undergo a transformation.

rahu is destructive and rebellious, including of beauty standards. i notice when rahuvian women first cut their hair, they sorta get addicted to the freedom from conventional femininity and they almost never let their hair grow back out again. for the rahu woman, it’s definitely a form of power reclamation.

KETUVIANS. ketu aspecting the ascendant, or in the first house, aspecting the inner planets (especially saturn, venus, or moon), planets in ketu-ruled nakshatras (ashwini, magha, mula.) etc.

ketu is the headless body, so ketuvians might sometimes cut very lowly. like, bald low.

ketuvians cut their hair in response to something spiritual. and to be honest, i think “something spiritual” is always the motivation when someone cuts their hair. but for ketuvians, i don’t think it’s about getting powerful. i think it’s about detachment, especially for the reason that ketu is associated with long hair. cutting that off is a sign of surrender.

where the rahuvians cut their hair to obtain power, ketuvians i feel cut their hair to surrender the desire for it at all. like how monks shave.

ALTERNATIVES. i get if someone may be apprehensive about cutting their hair off. so if u aren’t sure u would want to commit to that, try layers or getting ur ends trimmed, or a short wig. i also recommend veiling (for nodals or saturnians). and yes! wearing wigs or lace fronts is a form of veiling. personally, i am against wearing human hair for ethical and spiritual reasons, & i’d advise against it unless it’s intentional.

black people’s relationship to hair will not mirror what’s believed in other cultures, such as in vedic.

other cultures have an extensive history of anti blackness towards black hair, whether it’s how it naturally looks or how we choose to style it. especially in regions of the world such as south asia.

and that’s why i made this post! for a pro-black perspective on these things as to not inadvertently imply uncivilization or unruliness based on our features. black is beautiful. u are beautiful. and i hope u feel empowered by this post.

with love, hoodreader.

[kyra45]

Keys guide to general scams

(Keys guide to general scams)

Hey everyone! This post is intended as a simple compilation of common scams without going into too much detail and also explains how to check for scams in general. If you want to check out info in detail, check out my tag “how to spot a scam blog”!

So here’s a quick rundown of some simple scams:

Donation scam - These scams range from medical aid to pet care and sometimes a little in between. The most common variant of these is someone needing insulin and their asking for “nt much” or claiming their “nose freezes” due to asthma. The other common kind is for a pet of theirs, usually one needing some kind of surgery or having some kind of medical condition. Another version of this scam may be themed around world events, a seasonal holiday, or a special week depending on when the account was made.

Art scam - These scams range from commission scams to commissioner scams. The common kind of scam you’ll get is someone asking you if you do commissions then request you draw their pet for around $100-$300. This price is usually more than your actual commission prices but don’t be fooled the person doesn’t want your art and often wants to only pay you by an email address which then gives you a fake payment sent email. Commissioner scams are less common but work in a similar fashion where someone will ask you if you want to commission them but their art is stolen from someone else. Another version of this scam is the mural scam where they offer to use your art in a mural but want to pay you with a check via mobile deposit but it’s a fake check and you’ll lose money.

Mutual aid support scam - This kind of scam is when you’ll get a comment on your fundraiser of someone saying you don’t seem to be getting much attention and offer to boost your post. They will then DM you and offer their services usually requiring a payment to do so. Additionally, some may contact you offering to help you but won’t use any method of support you already have. Instead they will offer to link your bank to theirs or offer a digital check. Don’t give them any information or pay anyone to get more views on your fundraiser.

Tech support scam - A very common scam where someone on Discord claims to have reported you and you need to pay support to get the report cleared up. Often seen on hacked accounts, the ‘support’ is fake and often someone wanting your account data. Additionally, this scam may also be someone sending you an ask claiming you need to go to a suspicious link to ‘verify’ your account or someone sending you a DM claiming to be support and asking for your personal information to ‘verify’ your account. Keep in mind this is just a phishing scam and your account isn’t in danger as long as you haven’t given anything.

Misc scams - Outside of the above scams, you’ll also find scams based around lottery winners, gift card giveaways, or offering you monthly allowances to be in a romantic relationship. There’s also drop shipping scams where someone’s advertising a product but doesn’t mention it’s an ad and the product is just a cheap version of an already easily affordable item and often doesn’t get shipped leaving you out of money.

—

Always check how many posts an account has with timestamps enabled to see how much time passed between each post. Usually scam accounts only have one original post with a few reblogs from a trending tag or is just random reblogs to make their account look active with no original content. You can also try searching the username to see if anyone’s posted a warning or reverse image search there pictures to see if there’s any potential the images they used are from another site without credit.

Not everyone is a native English speaker, meaning poor English in a post isn’t a sign someone’s scamming you. Additionally, not every fundraiser is a scam by default just because you was sent an ask or a DM. Those are things you can turn off if necessary or limit if you don’t want them. It’s a relatively simple process and doesn’t take more than a few seconds of your time to do.

If you found this guide useful, feel free to share it around to your friends or users who are new to this website.

[nix-writes-mcyt]

Can you write some fluff/comfort xisuma? Been wanting some more cute and cosy fics for him but so few write them <3 love your writing btw! Long time lurker<3

Sorry it took a little while anon, but the fic is now here. Enjoy!

Business Man

Oneshot Contains: nothing but Fluff -----------------

You wander into the trophy shop, hoping to find Xisuma. You're behind on three trophies now, and it's not because you haven't sent in your diamonds.

In fact, turns out your mail was getting lost, to and from your home. Etho and Tango will be out to fix it soon, but it depends when they have the time. Thankfully Etho had dropped off all the lost mail at the Post Office, where Pearl had sorted it out and called you to pick it all up. The unfortunate thing was that the lost mail included the multiple parcels sent to Xisuma that didn't arrive.

So here you are, in his shop, hoping he is too. "X?" You call out, but there is no response. The trophies sit on their display pedestals, almost mocking you. Or at least they could be in a different world, but they're only trophies and that was a silly thought.

"X?" You call again, this time hearing a soft thud come from the wall. You take a few more steps into the room and look at some of the bigger trophies.

"This feels like a scam now that I think about it." You stare at the trophies and they stare back. It's definitely mocking. Trophies you earn diamonds to get.. and spend diamonds to get. "I can assure you it isn't." You turn quickly at the sound of Xisuma's voice, and sure enough there he stands. He's just barely in the room, coming from some hidden door.

"Oh, I didn't.. you know, mean it like that. I just meant that you're, well, a" the words are already barely pieced together but finding the end of the sentence is not easy. "I'm an entrepreneur. A business man, if you will." You see the gleam in his eyes through his visor. "Yes.. that." You reply, "a business man. A man of business. Xisuma." You're feeling even more flustered by the minute, the fact he's closing in on you only increasing that feeling.

"I heard you had some mail that got lost, did you come to deliver it personally?" His voice is so smooth and confident you find yourself completely at a loss for words. So you just nod, pulling the envelopes from your inventory. He holds out his hand, leaning just a little closer as he does. You swallow hard as you place the mail in his possession, at this point just trying to have the moment over and done with.

"Let me go sort this out for you, won't be a second." With that he's gone. You can breathe again. You look around the room, the trophies sparkling under their lights, the product of a business man. A man who has somehow taken your diamonds and apparently your heart.

Now your reaction seems silly, and you hope he didn't notice.

Soon enough he reappears, box in hand. "I've got your trophy, you'll have to be careful with this box though. Don't do anything too adventurous as this ones quite fragile." He places the box on the floor next to you. "Don't worry, I didn't make any plans because I knew it would be." Xisuma moves to lean against the pedestal opposite you, silence settling in.

Then he speaks up. "Actually, I was wondering if you wanted to do something? You don't have to, I just thought maybe you and I could go for a walk.. or visit the zoo or maybe something else?" Any smoothness or confidence he had earlier? Gone. Yet he remains just as charming. "Like a date?" The words just come out of your mouth before you have time to stop them.

"Yeah, well no. Unless you want it to be?" You think about it for a second. Is this actually happening? You were not expecting to be asked on a date. "I wouldn't mind a date." Is all you manage to say.

Xisuma steps forward, offering his arm to you. You take it, heart pounding in your chest. This is both exciting and terrifying. "Let's go then." You can hear his smile, the two of you leaving the shop immediately.

You walk down to the river with very little said between you, just enjoying the moment. As much as you can anyway, it's not like your nerves are in shreds or anything. Xisuma doesn't seem to mind the lack of conversation though, or at least if he does mind he says nothing.

The two of you walk for what seems like forever, even though it can't have been more than an hour. Almost a full lap of the shopping district has been done, but you both find a well needed place to sit down and rest. Conveniently for the two of you Keralis' Lake not only has seats, but a nice view and some shade.

You both settle on a bench, Xisuma leaning into you a little when you put your arm around him. "This has been nice." He mumbles. "It has. And I've not been robbed blind by your devious business tactics." You joke, earning a small laugh from Xisuma.

"Just because you kept your diamonds doesn't mean I haven't gained something of value." You can't help but smile, knowing he's speaking about the time spent with you.

The sunlight dances on the waters surface, which does remind you of your trophy. Your trophy which you left in Xisuma's shop. It's not a big deal, it gives you another excuse to see him now. Perhaps that was his plan the whole time, you'll never know. Or maybe you will if he tell you.

Regardless, Xisuma is right. The time you've spent with him has been wonderful, even if most of it has been spent in silence. All you wanted was to bring in your lost mail, but you've come out with a nice date. That's a win in your eyes.

Xisuma reaches over and takes your free hand in his, sighing softly as he gets comfortable being held. Between the cuddle, the sound of the birds and the lake, it's truly peaceful. "I'd like to do this again sometime." He says. "I'll do it again under one condition." You reply quietly, "I'll do it again if you'll be mine?"

Xisuma lets out a breath of relief, "I was worried you'd ask for a discount, but that's a much better deal in my professional opinion." The two of you giggle before settling back down, to spend some more of your day cuddled up by the lake.

[adeleidetheexplorer]

ᰋ  ׅ࣪   ꒰  tarot x zodiac signs ♡︎ a tarot reader predicting what each zodiac should expect before september ends  ꒱  

your sun, moon and ascendant or any significant signs on your birthchart can be use for this reading. ૮ . . ྀིა⁩

• masterlist. • tarot commission.

aries - knight of cups.

you're gonna feel confident about yourself before this month ends perhaps you may attract a lot of secret admirers or suitors. there may be someone who is gonna confess their love for you heartily, if not, you can expect an invitation from someone who is special to your heart and start dating. this can be one of your lucky months as well in case of your career, opportunities and offers will be left and right. just make sure to be open in any blessings you may receive. you can find yourself productive, inspired and creative too, you may start writing such as books and songs or play your favorite instrument again.

taurus - nine of swords.

you can't avoid stress before this month ends. the headache and neck pain are the causes of stress you are experiencing right now or may experience in the next few days. it's either you may hurt someone else's feelings or someone might hurt you emotionally. on the lighter side, you may find yourself traveling in a peaceful peace especially beaches and nature environment this can give your mind to avoid excessive thinking about your love life and work. also, there's a significant dream that may haunt you for days. the dream seems so real, clear and detailed. there is maybe someone, who might try to spread some gossip about your so be wary about sharing your ideas and opinions to others, remember that not everyone can be trusted.

gemini - nine of pentacles.

you may find yourself being independent before this month ends. what i meant is "independent" is financial and personal growth development independency especially budgeting and saving money up for the future. you may also meet new people that can help you to enhance your knowledge. you may also treat yourself a lot like you may buy a lot of your comfort foods to satisfy yourself. at work and school, your boss sees who improve a lot and do good job for their professionalism while if you are student, your teachers sees your improvement.

cancer - seven of swords.

you're gonna receive criticism and bullying for the work you are doing from other people. don't let these people take you down emotionally, take an action and call out these people. you may experience some unfairness and betrayal from people who are close to you. be careful about spending or investing your money as you may get scammed. you may also feel unworthy and insecure before this month ends which lead to low self esteem. argument with someone is coming too. there's also someone here who is stalking your account and keeping you on their tabs.

leo - the hermit.

if you are trying to enhance your spirituality there are changes and improvements about your spiritual self. you were also taking a break and cutting people off that drain your energy so much. you may also find yourself isolating yourself away from the others, you gonna what makes you happy. you may also be planning to take a break on social media before this month ends. if you are student, you gonna find yourself studying and reviewing really hard for the upcoming examination or test.

virgo - king of swords.

a father figure is gonna be significant to you before this month ends. you're gonna end up getting some good advice from this person or if not, someone else/a friend may need your logical advice. you may meet new people and these people may perceived you as someone mature, brilliant and intimidating.

libra - five of pentacles.

you might face some difficulty with your finances, it seems like you will get short in budgeting. while, when you are surrounded by your loved ones or the people who are close to you, you may feel unloved and unappreciated by them. as well as you may think that no one wants to be your lover or partner, yes you may meet new people but you may find it hard to find a best partner to meet your expectations when it comes to love so you think no one loves you. heavy rains may come so make sure to bring your own umbrella and jacket.

scorpio - strength.

you will be shocked by the influence you leave to people and in simple terms someone may try to tell the truth to you. this truth may be the one you are looking for answers for a very long time or you are waiting for this person to tell you the truth. you wouldn't believe too how much people think high of you. also, there maybe someone here is about to whammy your single life.

sagittarius - temperance.

great news for those single people, someone here is ready to fill your cup up. if you are worried about your health, spirit confirms that you are totally fine perhaps you may be trying to be healed for a very long time on a spiritual level because everything may be f*cked up on your spirituality. you may frequently sees the angel number 555 before this month ends.

aquarius - two of wands.

you might start doing a skincare routine before this month ends so keep on doing or continuing that. people may start to notice your glow up or changes in your appearance, you may also try mew hairstyle or in general dying your hair. people will notice the significant changes in your appearance, i also think that you will experimenting new ideas about your physical. a travel for job is significant too.

pisces - knight of wands.

before this month ends, you may be trying or planning to move to a new home or places. this changes the location and is gonna bring good freedom to you. you will feel very happy about its surroundings. a short trip will bring bliss and peace into your heart. there are more exciting events happening to you before this month ends. yellow, brown or orange is your significant color for this month theme.

© thecelestialperiwinkle

[tinybabiebear]

cheap stores to find agere objects!

in person

dollar stores

often in dollar stores you can find a specific baby section with low-priced baby objects! though sometimes there are objects that only specifically babies can use, there are some agere friendly objects as well!! some of the things you can usually find here are:

- teethers

- sippy cups

- baby powders / lotions

- bath toys

- baby toys / blocks / rings

- stuffed animals

- hair bows / accessories

- rattles

- off-brand bigger kid toys

- colouring books + crayons

2. walmart , target, etc

though this can be less cheap than places such as dollar stores, there’s often either more options or more on-brand objects here. here you can find toys and themed objects for kids from popular tv shows, or branded stuffed animals. there’s a variety of options for many different agere age ranges! some of the things you can usually find here are:

- baby bottles ( be careful of the teet )

- sippy cups / themed sippy cups

- kid cups

- teddy bears / stuffed animals ( of shows and other popular brands )

- dolls / barbies / trucks / etc

- bigger kid toys & popular brand toys

- baby lotion / powder / oil

- baby food ( either the squeeze type / liquid or puffs! )

- teethers / ice teethers

- pacifiers ( i wouldn’t recommend, they will hurt your teeth ! )

- security blankets

- kids plates

- baby / kids books

online

etsy

etsy can be tricky! a lot of the time there are shops that aren’t sfw, which isn’t always comfortable or available for minors under the age of 18! if you’re uncomfortable with that, make sure to add ‘ sfw ‘ and ‘ agere ‘ to your searches, aswell as checking description boxes of either the listing or the shop in specific. also watch the shipping on certain listings as they can be very expensive ! some of the things i often find myself searching for and you can find here are:

- adult bottles with adult nipples ( this means that you can use them without hurting your teeth as much! ) / these can also be themed towards shows and characters aswell as have themes in general!

- adult pacifiers ( these can also hurt your teeth much less and are safer to use! )

- baby hat / mitt / boots in adult size

- adult onesies

- baby sensory cubes

- sensory objects ( chewies, sensory books, fidget toys, etc! )

- adult diapers / training pants ( make sure to be extra careful with brands if you’re uncomfortable with not sfw shops!! also, make sure to be very careful with sizes as sometimes these can be sized weird. )

- adult length pacifier clips

- adult sized bibs

- bloomers

- rattles & stuffed animals

2. amazon

amazon is a limited place for specific agere products but it has a wide variety for baby products in general! not only this, but their shipping is often very discreet and also fast + inexpensive! keep in mind shops that aren’t sfw again if you’re uncomfy with that! some shops that are popularly available on amazon are: LFB, rearz, landofgenie, etc. some products you can find here are:

- adult onesies

- adult pacifiers

- adult bottles

- adult bibs

- sippy cups + cutlery, plates, cups, etc

- stuffed animals, rattles + sensory

- adult diaps / cloth diaps

- teethers / ice teethers

- baby powder/lotion

- bibs

- adult pacifier clips

- fidget toys / toys / dolls, fandom/theme plushies + toys

- footed jammies

- changing pads

- overalls

- colouring books

- play tents

- mobiles + crib accessories

- DS + DS games

- leapfrog toys

- accessories ( ex: boys, headbands, clips, necklaces, etc )

- bubble bath / bath toys

- night lights

- long socks / paw socks

3. aliexpress

make sure to be careful here!! you can find most things that you’d be able to on amazon here, but make sure whatever you buy has reviews!! if not, it’s easy to get scammed. not only this, but it takes a long time to ship!

4. shein

shein is probably the most limited out of these options! you can find more discreet things here rather than more open things! some things you can find here + what to search for to find them are:

- onesies! i often use the words ‘ bodysuit / t-shirt bodysuit ‘

- cute water bottles!! sometimes you can find sippy cups here but they take a bit of searching for! ‘ cute water bottle / kids water bottle / sippy cup ‘ usually work!

- thigh / knee high socks!

- overalls

- nightlights

- fidget toys / stuffed animals

[aysathenotsogreat]

hbomberguy posted a video and i have opinions about it

i never made the active choice to stop watching James Somerton's content but when i stopped having a job that'd let me listen to videos for hours straight, I slowly became interested in other creators. i remember finding a couple of his videos contradictory in their analysis and do remember being annoyed by the "white women/teenager girls" comments a lot. oh yeah and that TELOS PICTURES ALWAYS REEKED OF A SCAM. Hearing James describe himself as a business major first in the pitch video weirded me the hell out. I feel like not enough people are talking about this particular part of the story but the man crowdfunded $60k USD and has produced nothing but stock image posters in return after years.

this man saw his community as nothing but to steal from and profit off of and clearly sees himself above those voices he robs. the point in the video that broke me was right in the beginning in the james half was the Mulan section. the tactic of erasing Jes Tom's words and passing it off as a personal observation of the community instantly reminded me of all the times James has confidently talked on the experiences of trans, nb and all queer people of color throughout his career and the fucking similarity of the language. that moment made me pause and scream. it instantly put into scale that this wasn't just one of the first video essays he'd ever made, it was EVERYTHING.

I want to pretend the queer media I see is made from a place of genuine care of the community, all of us do. but we as a collective need to stop catering to the consumption of content sludge. we need to be more critical and more aware. any time james mispronounced a character or place's name, i would always brush it off as a bad voice take kept in because of the videos' length that wasn't fixed in production. no, that was because james didn't care enough to learn the principle facts of the topics he was covering. (him spelling "shonan" in that AoT script made lose it). he wanted our ad revenue and your patreon money and by stealing the work of actually talented queer people, he basically won.

hbomberguy, lovely chaos bisexual, did a service to our community by making sure millenial and zoomer queers will never let this mf try to grift his way into the entertainment industry again. i have more to say about this video, especially illuminaughii bc she's an especially abusive and toxic person who i also watched a fuck ton at my old job. i certainly need be a bit better about where i get my info from, especially if i'm going to be repeating it to someone else. in the age of tiktok and the speed of misinfo there being insane, i just beg us young queers to think a bit more critically before we post.