#Short-Term Health Insurance Plans

[mcnicholfinancialandhealthcar]

Exploring Your Perfect Health Insurance Plan: How to Choose the Right Fit for Your Needs

Choosing the right health insurance is a crucial decision that impacts not just your health but also your financial stability. Choosing the right affordable health insurance plan can be hard. You need to think about many things, like what the plan covers and how much it costs. It's important to read the details carefully so you know exactly what you're getting. Insurance terms can be confusing, making it even more challenging. Talking to an insurance expert can help you understand everything better. Taking time to research and compare plans beforehand can save you money and reduce stress later on. This article will guide you through some essential considerations to help you understand and compare health insurance aspects, from coverage to premiums, ensuring you make an informed choice. Understanding Your Health Needs Begin by evaluating your health care needs and those of any dependents. Consider your current health status, any ongoing treatments, and potential future needs. This understanding is crucial in choosing a plan that covers you entirely without paying for unnecessary extra costs. Comparing Plan Benefits and Exclusions When looking at different health insurance plans in Georgia or elsewhere, examine what each plan covers and, importantly, what it excludes. Check the specifics concerning pre-existing conditions, maternity benefits, mental health services, and prescription drugs. Make sure the plan you choose does not leave out essential health benefits that are critical to you or your family’s health needs. Assessing Network Coverage The network of hospitals and doctors available in a plan is another significant consideration. A broader network means more options for care but often comes at a higher premium. Conversely, a more restricted network might be more affordable. Ensure your preferred doctors and hospitals are included in the plan’s network, which can significantly affect your convenience and the quality of care you receive. Matching Family Considerations If searching for the best medical insurance for a family, tailor your plan to the collective health needs of all family members. Evaluate each plan's response to pediatric services, adult care, and any specific treatments your family members might require. A good family plan mitigates risks for all members and offers a safety net that matches your family’s health dynamics. Considering Plan Flexibility Flexibility in an affordable health insurance plan in Georgia and other cities can be a significant advantage. Look for options like free preventive services, wellness incentives, and the ease of adding or removing members. Also, check how the plan handles emergencies at both public and private healthcare to ensure comprehensive coverage wherever you are. Apart from this, many insurance providers provide the facility for short-term insurance plans. Consider engaging them if you are in movable jobs. It will give you a stress-free experience of being secure. Overview Overall, selecting the right health insurance is about matching your specific health and financial needs with a plan that offers optimal coverage with flexible solutions. By carefully considering these factors, you can secure an Affordable Family Health Insurance Plans and other plans that not only meet your medical needs but also fit your budget. For personalized assistance and expert advice tailored to your unique needs, consider reaching out to healthcare providers like McNichol Financial and Healthcare. Their dedicated professionals specialize in guiding clients toward the most suitable healthcare solutions, ensuring peace of mind and financial security. Also, they provide diverse Insurance options for families, small businesses, and short-term jobbers.

[batboyblog]

Things Biden and the Democrats did, this week #11

March 22-29 2024

The Administration, with Transportation Secretary Pete Buttigieg in the lead responded to the collapse of the Francis Scott Key Bridge in Baltimore. Working with Governor Wes Moore and Mayor Brandon Scott (both Democrats) The Department of Transportation promises to clear the harbor and rebuild the bride. DoT has already released $60 million in emergency funds as a "down payment" and President Biden is expected to seek $1 billion from Congress.

Vice President Harris announced a number of actions and investments designed to improve the quality of life of the peoples of northern central America. driven by poverty, lack of economic opportunities, and out of control crime people in Guatemala, El Salvador, and Honduras are taking great risks and trusting criminal human traffickers to try to reach the US. The Administration is working to improve conditions in the Northern Triangle so that is no longer necessary. Vice President Harris announced $1 billion dollars in new investments as part of the Central America Forward public-private partnership, since 2021 it has invested $5.2 billion in the region. Harris also announced $175 million dollars of direct aid from the US to Guatemala at a meeting with Guatemalan President Bernardo Arévalo.

The Department of Energy announced a $1.5 billion dollar loan to help restart the Palisades Nuclear Plant. This would mark the first time a nuclear power plant was brought back online after being decommissioned. The hope is keep the plant running till 2051, this 100% green power source is projected to prevent 111 million tons of CO2 emissions in its new life time, the same as taking 100,000 cars off the road. Michigan Governor Gretchen Whitmer touted it as key for her state reaching its goal of 100% clean energy by 2040.

Vice President Harris launched a social media push to inform the public about the Biden-Harris Administration's SAVE Plan. The Saving on a Valuable Education (SAVE) Plan was launched last year as part of President Biden's efforts to bring student loan forgiveness to millions of borrowers. Currently 7.7 million people are enrolled in SAVE, under which anyone making $16 a hour or less has a monthly payment of $0 on their student loans. 4.5 million SAVE enrollees are making $0 a month payments and another 1 million pay less than $100 a month on their loan repayment, over 150,000 people so far have had their loans totally forgiven. Republicans are suing to try to shut down the SAVE Plan

President Biden took keep steps to ensure quality healthcare this week. Biden extended the window for low-income Americans to apply for Obamacare. The original deadline of July 31st has been pushed back to November 30th. Biden also rolled back Trump era rules that allowed subsidies for "Junk Health insurance" These plans offer very little coverage and often mislead consumers into believing they have insurance when they aren't covered. These short term plans also don't have meet Obamacare standards and can refuse coverage for preexisting conditions.

The EPA announced new regulations aimed at "turbocharging" the number of electric trucks on the road. The new rules aim to have 25% of new long-haul trucks, the heaviest often diesel trucks on the road, and 40% of medium-size trucks (box trucks and landscaping vehicles) be nonpolluting by 2032, currently just 2% are. The regulation would apply to more than 100 types of vehicles including tractor-trailers, ambulances, R.V.s, garbage trucks and moving vans. The new tailpipe limits are expected to prevent about a billion tons of greenhouse gas emissions by 2055.

the Centers for Medicare & Medicaid Services  announced that thanks to President Biden's Inflation Reduction Act, 41 different drugs will coast those on Medicare Part B less money than it did last year.  An estimated 763,700 people on Medicare use at least one of these drugs every year. Some enrollees will save as much as $3,575 per dose.

The Department of Energy announced $6 billion for an effort to decarbonize energy-intensive industries. The investment in 33 projects across 20 states will eliminate 14 million metric tons of CO2 emissions each year when finished. Each project is meant to be highly replicable and serve as a blueprint for future private sector ventures. 

President Biden signed an Executive Order to Strengthen the Recognition of Women’s History. The Order will launch a review of all historic sites run by the National Parks Service to determine ways to better highlight the role of women, from all backgrounds, in American History.

The Senate Confirmed President Biden's nominees, Ernesto Gonzalez, and Leon Schydlower to federal judgeships in Texas. This brings the total number of federal judges appointed by President Biden to 190.

[justinspoliticalcorner]

Berkeley Lovelace Jr. at NBC News:

Millions of Americans risk losing subsidies next year that help them pay for health insurance following President-elect Donald Trump’s election win and Republicans’ victory in the Senate. The subsidies — which expire at the end of 2025 — came out of the 2021 American Rescue Plan, and increased the amount of assistance available to people who want to buy health insurance through the Affordable Care Act. The American Rescue Plan also broadened the number of people eligible for subsidies, extending them to many in the middle class.  

The looming expiration date means that the incoming Congress and next president will need to decide whether to extend them — something Trump and Republicans have already signaled they don’t support, said Chris Meekins, a health policy research analyst at the investment firm Raymond James. “If Republicans end up winning the House, in addition to the Senate and White House, having a GOP sweep, I think the odds are less than 5% they get extended,” said Meekins, who was a senior HHS official in Trump’s first term. Even Democratic control of the House likely won’t save the subsidies, he added.  Several important House races have still yet to be decided. As of Thursday afternoon, House Republicans had won 209 seats, just nine short of the majority, according to an NBC News tracker.  In 2024, more than 20 million people got health insurance through the ACA, according to the Centers for Medicare and Medicaid Services. 

Since the 2021 subsidies went into effect, enrollment in ACA plans with reduced payments doubled, particularly in Southern red states, said Cynthia Cox, the director of the program on the ACA at KFF, a nonpartisan health care policy research group.  The Inflation Reduction Act, passed in 2022, extended the subsidies through 2025. In 32 states where data is available, 15.5 million people receive the subsidies, according to KFF. If the subsidies aren’t extended, the Congressional Budget Office — a nonpartisan agency that provides budget and economic information to Congress — estimates that nearly 4 million people will lose their coverage in 2026 because they won’t be able to afford it.  Enrollment will continue to fall each year, with coverage reaching as low as 15.4 million people in 2030.  

[...] Cox said she expects Republicans to keep dismantling the ACA, similar to Trump’s first term, when they eliminated the tax penalty linked to the law’s individual mandate, which required people to have health insurance or pay a tax. The mandate is technically still in place, but the penalty was reduced to zero. “If Republicans control the House, the Senate and the presidency, then we might see a repeat of 2017,” she said.  Gostin said eliminating the ACA entirely will be a challenge, even if Republicans control all three chambers.

Millions of Americans could face health insurance coverage loss next year, as subsidies for Obamacare are set to expire.

See Also:

The Guardian: Incoming Trump presidency threatens millions of Americans’ healthcare plans

[tf2heritageposts]

saw your post about chronic pain and thought i'd give some pointers (from someone who is developing chronic pain themself and is learning how to deal with it)

stretching is important. yes i know this is the most basic ass response someone can say but trust me here. i am an artist who has been in shrimp position for more than 50% of my life (thus far) and just doing simple shoulder, elbow, wrist and hand stretches before/after working helps a T O N in the long run. it will be painful at first! it always is! but stretching does help to prevent even more pain down the line. i am unsure what pain bothers you the most (mine is my feet, lower legs, lower back and arms), so i'd suggest starting with some simple stretches in the regions where you tend to have pain.

collagen. if you don't know what that is, i can give you a summary without the science-speak: its the stuff in your joints that keeps your cartilage from breaking down. best way(s) to get it? if you are simple, and can afford it, they sell the stuff as vitamin supplements. if you're looking for a way to just naturally get more into your diet, i would suggest bone broth. (yes you could buy bone broth, but if you go through meat on the regular, and are able to cut bones out of them, don't toss out the bones! make bone broth with em. i would give an entire guide of how to do it but i would be here for much longer)

waterrrrr. the drinkerrrrrrrrrrrrr. hydration is also really important for preventing joint pain (or really pain of any variety). making sure to get proper hydration is important. if you live in a city area where the tap water might not be good, please be sure to get mineral water and not pure distilled. while distilled does taste better, it lacks a lot of minerals that water can naturally have that would be of benefit to your health.

don't overexert yourself!!!!!!!! please please PLEASE be sure to sit down if you need to (and are able to). repeated overuse of your muscles/bones/tendons can have a negative impact in the worst ways possible. (also getting a walker or cane is ideal!!! most walgreens and/or cvs's have an asile dedicated to mobility aids!!! do not feel ashamed to use it if you need it!! please!!!)

in terms of short term solutions, ibuprofen will not kill you. just be sure to rotate tylenol and ibuprofen. doing this will prevent you from unintentional ODing. (you may have heard this one before. if so feel free to ignore it)

going to an arthritis clinic sooner rather than later is a good idea. i don't know what your physical/insurance situation is like, but as someone who just recently was told by a primary care that the symptoms i am having is similar to rheumatoid arthritis [which runs in the family] (and really needs to move into a different state or city or town and get a different insurance that can cover the cost of multiple arthritis doctor visits AND a doctor who will take them seriously), it is important that you go to an arthritis clinic as soon as possible. If you do not know where to go, and are able to ask your primary doctor for a referral, most primary care doctors will refer you to something that is on your healthcare plan

i do apologize if this was really really long and winding... i am not the best at keeping things short

well i just realized i am living badly because

- i never stretch

- i am comstanrlh underhydrated

- i am always up and out and about hyerexerting myself

- only use ibuprofen

thank you kindly man

[am-i-the-asshole-official]

AITA for not wanting to move back in with my family?

The lead up to this is a bit long, but I feel like the context is necessary. After my first year of college, my (then20, FTM) father (40s, M) was diagnosed with a brain tumor, and could not work anymore. He also could not be left to his own devices, so I had to take time off school and come home to watch him and my younger sibling (then 11NB) while my mother (40s F) would work. That sucked for multiple reasons, including being responsible for all the asshole bullshit he’s pulled (when I say asshole, I mean it. He used to fake - by his own admission - epileptic seizures to get out of doing the most minor chores or exercises recommended by his doctors), my mothers violent transphobia (to the point of driving me to a mental breakdown when I asked about starting HRT) and emotional abuse towards myself and my sib. She never believed my complaints about my father and was convinced I was being lazy and irresponsible with his care. In addition to that, they moved to this area after I started college, so I was in a completely unfamiliar (and not particularly queer friendly) place, socially isolated, and so on and so forth. This shit sucked. I was promised I’d be able to go back after one semester, but after a few months it has been made painfully clear to me that this is not an option. Then COVID happened, and next year my college was fully remote. This way I was able to complete my sophomore year online. I was finally released for junior year and have not come back home since with the exception of one short-term visit, when my mother went abroad to visit our extended family. (We’re immigrants.)

I graduated this year. When I started my job search, I was planning to stay in the area and applied to jobs accordingly, with the exception of one position advertised by my college. This one would be in a major city very close to my family, so I’d be able to live with them. I was idiot enough to mention that to my mother. The gig didn’t pan out, so I settled on staying where I am and continued to search for a job, a place to live, and so on. I secured a place to live recently and was again dumb enough to share that with my mother. (Yes, I have a pattern. I’m working on it. ) The next day, my sib contacts me and asks if I could come live with them. Sib got into a really good high school with a focus on a field of study they want to go into for a career and have a real knack for. It’s kinda far from where they live right now, but they found an apartment much closer to it. Rent is a lot higher than they can afford, though. My mother lost her job when she refused to get vaccinated nearly a year ago (she used to work in healthcare), and since then she hasn’t been officially employed. She’s been getting by with instacart and my father’s disability payments.

If I lived with them and found a job there, they’d definitely be able to afford rent. Moving there, while undesirable, is not out of the realm of possibility, and my mother has been a lot better about treating me like a person and not being transphobic. Not perfect, but better. They also would not be living with dad because mom is at the end of her rope with him and is looking into a nursing home his insurance would cover. I would also be saving up money by living with them, I’d definitely have reliable health insurance, a roof over my head and so on and so forth. My personal autonomy, personal space, and most likely mental health would be absolutely out the window. I’m still traumatized by these 2 years I spent with them. Not to mention nearly complete social isolation. I wouldn’t even be able to see my boyfriend properly, there would be about 8 hrs’ worth of a drive between us.

So. Will I be the asshole if I leave my family to struggle on their own? I already sacrificed a lot for their sake. I don’t know that I can keep doing that to myself.

What are these acronyms?

[tanadrin]

As we age, it is almost as if we suffer a curse; every single thing in our body seems to work less well over time, and once we hit old age, it all seems to start breaking down rather quickly. Everything from how well we heal from injuries, to our immune system, to our senses seems to start falling apart at once.

As I understand it, the evolution of aging is the result of an almost accidental trade-off between reproductive fitness in the short term, and consequences for the individual member of the species in the long term. For instance, you have animals like octopuses and salmon who mate once then die, usually producing many hundreds of offspring. This is because lots of small cumulative adaptations that helped reproduction in the short term had negative consequences for the individual in the long term--but because these animals got so good at making that first reproductive opportunity really successful, the cost for fewer future opportunities to reproduce was (in terms of reproductive fitness) small. And over time their ancestors leaned harder and harder into this strategy.

Humans obviously aren't anywhere near that specialized. Our offspring are normally one at a time (and multiples are very high risk) and require a lot of care. Like all mammals, we nurse and look after our young. But there's still a degree of evolutionary tradeoff; base rates of disease and accident still make betting on reproductive opportunities too far in the future a losing proposition, and the act of giving birth is itself very dangerous for women, so it makes sense to still somewhat front-load our reproductive opportunities, and if we survive for a long time, to transition to a more supportive role for other members of the community (as indeed some hypothesize is the reason menopause evolved in the first place; but note male fertility also declines with age, even though there's no exact male equivalent to menopause).

So deleterious mutations that affect us mostly in our old age, or adaptations that come with a benefit in the short term, and with a high cost in the long term, probably built up in our genome for the same reasons that they did in that of octopuses and salmon, just in a less dramatic way. And so it makes sense that when we age, lots of things tend to go wrong. Aging isn't the product of a single process of system; it's the product of many systems in our bodies breaking down, because they have a degree of planned obsolescence built into them. This is why we shouldn't expect anti-aging interventions to be big dramatic breakthroughs that suddenly fix everything. We have lots of problems to deal with when it comes to "curing" aging, from shortening telomeres and waste products building up in our cells to UV damage to the eyes and loss of bone density, all from different sources.

Despite the image we may have absorbed from science fiction, longevity doesn't look like a single treatment that could easily be monopolized and sold at $100,000 a dose. It looks like hundreds of little things, many of which we're already working on quite diligently and making small-but-important breakthroughs in, and in areas where advances often go from "experimental and possibly very expensive" to "routinely available" in a couple of decades. And this makes sense too! Public health authorities and insurance companies have a vested interest in these advances--a treatment that improves the survival rate for a kind of cancer or helps to prevent heart disease means they have to pay less in more drastic, more expensive medical treatments down the line.

[omegaphilosophia]

The Social Consequences of Marketing

Marketing, while essential for businesses and economies, has also been criticized for causing harm to society in various ways. Here are some significant ways in which marketing has negatively impacted society:

1. Promotion of Consumerism

Excessive consumption: Marketing often encourages the idea that happiness and success are linked to material goods, promoting a culture of consumerism. This has led to excessive consumption, debt, and environmental damage, as people are driven to buy more than they need.

Planned obsolescence: Companies sometimes design products with limited lifespans, encouraging consumers to buy new versions frequently. This practice contributes to waste, depletion of resources, and increased consumer spending.

2. Exploitation of Insecurities

Body image and self-esteem: Advertising in industries like fashion, beauty, and fitness often exploits people's insecurities by promoting unrealistic beauty standards. This can lead to mental health issues such as low self-esteem, anxiety, body dysmorphia, and even eating disorders.

Fear-based marketing: Some marketing strategies use fear to sell products, such as insurance, security systems, or health products, by making consumers feel unsafe or inadequate without them.

3. Targeting Vulnerable Populations

Children: Marketing often targets children, who are particularly susceptible to persuasive messages. This leads to the commercialization of childhood, with kids exposed to unhealthy food, consumerist values, and a materialistic mindset from an early age.

Low-income groups: Companies sometimes market harmful products, such as payday loans or unhealthy foods, more aggressively to low-income populations, exacerbating financial hardship or health problems.

4. Perpetuation of Stereotypes and Social Divides

Gender roles: Marketing often reinforces gender stereotypes, portraying women as caregivers or men as breadwinners, thereby perpetuating outdated norms that limit gender equality and diversity.

Cultural appropriation and tokenism: Some brands use cultural symbols or minority groups in marketing campaigns without understanding their significance, which can lead to cultural appropriation and tokenism, alienating and misrepresenting marginalized communities.

5. Environmental Damage

Overemphasis on fast fashion and disposable goods: Marketing has contributed to the rise of fast fashion and a throwaway culture, promoting short-term use of cheap, disposable products. This has serious environmental consequences, including pollution, resource depletion, and the generation of vast amounts of waste.

Greenwashing: Some companies falsely market products as "environmentally friendly" or "sustainable" in an attempt to capitalize on consumers' eco-consciousness, misleading the public and delaying genuine action on environmental issues.

6. Manipulation and Misinformation

False advertising: Companies sometimes make exaggerated or false claims about their products, misleading consumers and creating false expectations. This can be particularly harmful when it comes to health products, pharmaceuticals, or weight-loss treatments.

Addictive design: Marketing techniques are increasingly used to promote addictive behaviors, particularly in the context of social media, video games, or gambling. Companies manipulate users through behavioral nudges and psychological triggers that keep them hooked.

7. Invasion of Privacy

Data mining and surveillance: With the rise of digital marketing, companies have gained unprecedented access to consumers’ personal data. Many firms engage in data mining and targeted advertising based on individuals' online behavior, often without full transparency or consent, leading to concerns about privacy and data security.

Personalization and manipulation: Highly personalized marketing can lead to manipulation, as companies can target individuals with ads tailored to their specific vulnerabilities, making it harder for consumers to make objective decisions.

8. Promotion of Unhealthy Lifestyles

Junk food advertising: Aggressive marketing of unhealthy foods, particularly to children, has been linked to rising rates of obesity, diabetes, and other diet-related diseases.

Alcohol and tobacco marketing: Despite restrictions in some countries, marketing of alcohol, tobacco, and vaping products continues to glamorize these potentially harmful substances, leading to addiction and public health crises.

9. Contributing to Financial Instability

Credit and debt marketing: Marketing of credit cards, loans, and other financial products often promotes spending beyond one's means, contributing to personal debt and financial instability. Predatory lending practices, such as payday loans, are frequently marketed to those already in financial difficulty.

10. Reduction of Authenticity and Creativity

Commercialization of art and culture: Marketing can sometimes reduce art, culture, and creativity to mere products to be sold, stripping them of their authenticity. This can lead to the commodification of creative expression and a focus on profit over substance.

Trend exploitation: By constantly pushing new trends, marketing fosters a culture of superficiality and short-term thinking, where value is placed on what is fashionable or trending rather than what is meaningful or lasting.

While marketing plays a critical role in the economy by connecting consumers with products, it also has significant social, psychological, and environmental consequences. From promoting overconsumption and exploiting insecurities to targeting vulnerable groups and contributing to environmental degradation, marketing practices have often prioritized profit over societal well-being. Reforming marketing to be more ethical and socially responsible is essential for creating a healthier, more sustainable society.

[scleroticstatue]

What do you mean by medical doctors being a net negative? Do you mean the actual doctors, the medical/insurance establishment, or both? I assume it has something to do with what you said about specialization.

A little bit about the specialization, about their God complex due to a lack of well-rounded education that leaves people in worse shape than where they started. But more it's about the fact that the medical system was fundamentally changed from traditional Western medicine to a petroleum-based system funded by the Rockefellers. It focuses almost exclusively on medicating symptoms instead of treating the causes. And I'm not above treating symptoms when the situation calls for it, but it's led to a mindset within the West where actions and consequences are divorced from each other. If you've seen any pro-life commentary, you may notice this is a common theme — you had the sex, now take care of the baby — but, in truth, this dates back well before Row v. Wade, when the medical system started giving people pills to mask the symptoms rather than addressing the diet, toxin exposure, overwork, etc., that are causing those symptoms. Worse, it's led to a sort of learned helplessness in people who feel when they become sick, the only solution is to take something for it rather than making the necessary changes to fix the problem. I'm not referring to short-term illnesses here, though it's amazing to have a "battle plan" of supplements and health-promoting foods to go to, but chronic things like depression or fibromyalgia where people nowadays treat it like a permanent aspect of their life, that they'll just be on medication until they die, rather than doing the hard thing and radically changing their lifestyle to actually get over it. Yes, I'm grateful for the surgeons out there who save lives, but how many more have doctors killed? How many more have they condemned to live empty lives? How many times has their playing god resulted in true evil?

At least furry artists contribute something to society.

[ahixmarketplace]

Compare Health Insurance Plans

[abundancewithher]

Budgeting Tips

Hey young stars and hearts! As you all may know, i am on my big girl finance journey and if you didn’t know you do! Welcome or welcome back my loves! My name is Mimi if you are just coming across my posts.

My goal is to be a representation for the finance, manifestation, and money mindset for black girls and other POC. I spend a lot of money, that’s okay because i am changing my mindset about money. Instead of surviving in scarcity mindset, choosing to live in abundance mindset. Living in a state of abundance does require a little work.

As much as i changing my mindset into believing i am deserving of more money and that it flows to me effortlessly, I want to actually keep it and not over spend my money that flows to me easily by overindulging.

So, with that being said, here are some budgeting tips i will be implementing into my finances to improve my financial health:

- Assessing Your Financial Situation

Before you can create a budget, you need to understand your current financial situation. Take a peek into those bank credit card statements! This all includes:

- Bank statements

- Credit card statements

- Pay stubs

- Bills and receipts

2. - Calculate Your Monthly Income

Determine your total monthly income, this is very crucial. I cannot stress this enough! This includes your salary, any freelance or side income, rental income, dividends, and any other sources of income. Make sure to calculate your net income (after taxes) rather than your gross income. Write down an estimate in a monthly budget planner, if you don’t have one you can purchase one here, or write it on paper to stay organized.

3. - List Your Monthly Expenses

Make a list of all your monthly expenses. You actually might not have any, but what if you’re down to your last five dollars and Apple just takes that shit? That would be frustrating, right? because you didn’t know it was coming up or that you even had a subscription for anything at all, list that also! These can be categorized into fixed and variable expenses:

- **Fixed Expenses:** Rent or mortgage, utilities, insurance, car payments, and subscriptions.

- **Variable Expenses:** Groceries, dining out, entertainment, clothing, and miscellaneous expenses.

4. - Track Your Spending

For at least one month, track every penny you spend. This will give you a clear picture of where your money is going and help identify areas where you can cut back. Use a spreadsheet, or budgeting app, purchase a budget planner, or write it down in a notebook.

5. - Set Financial Goals

Define your financial goals. These could be short-term (e.g., paying off a credit card), medium-term (e.g., saving for a vacation), or long-term (e.g., retirement savings). Having clear goals will motivate you to stick to your budget.

6. - Create Your Budget

With your income, expenses, and financial goals in mind, create your budget. Allocate a specific amount of money to each category of expenses. Make sure to prioritize essentials (like housing, utilities, and groceries) before allocating money to discretionary spending (like entertainment and dining out).

Example Budget Categories:

Housing: $1,200

Utilities: $200

Groceries: $400

7. - Stay Committed and Be Flexible

Sticking to a budget requires commitment and discipline. Be patient with yourself and remember that it's okay to make mistakes. If unexpected expenses arise, adjust your budget accordingly. The key is to remain flexible and adaptable while staying focused on your financial goals.

These are tips I have created according to my digital budget planner, which can be purchased below. Again, building your finances takes time and discipline but it is very rewarding once you actually start to create a flow and a plan. I am implementing this asap to get ahead of my finances. Have fun with this of course!

Budget Planner

xoxo mimi💋

[eldritchmochi]

okay so, to have a place for consolidated information for the next little bit, since i'm sure folks have QUESTIONS given my incredibly aggressive gallows humour

MOCHI, WHAT THE FUCK IS UP WITH THAT?? (guts edition)

if you got here via a link, follow this link instead for the latest update here's updates 1.5, 2.0, and 3.0 !

tldr ive been getting a number of recurrent small bowel obstructions located in my duodenum (first part of the small intestine, connecting the stomach to the rest of the bowel) due to external pressure on the duodenum around the 3rd to 4th (of 4) section. what's causing the pressure?? no clue actually ive done a bazillion scans and none of them have been quite clear enough for a real confident dx so i get to have surgery about it at some point in the near future

current theory is the pressure is from some sort of non-cancerous tumor mass and the plan is to cut me open nice and big, look about, and remove both this mass and the affected section of the duodenum (.5 of an organ) at a minimum, but may involve fully bipassing the duodenum when my guts get hooked back up to my stomach which could (would???) also require removing my gallbladder (1 and 2 organs respectively) (i'm having so much yanked out of my abdomen this summer jfc)

atm i'm still waiting for scheduling to give me a call to set things up. surgeon's estimate was 4-5 weeks from now (8/17 when he called). from that point i'll spend a week-ish in the hospital to make sure all hoses are firmly affixed, and then i'll have a month at a minimum before i'm reasonably healed and can go back to normal life

i have good insurance and the luck (????) of being incredibly ill at the best of times, so i've already hit my out of pocket max and thus this WHOLE THING even back dating to my first er visit end of june will cost a whopping 189$ that i've already paid. i also should qualify for my states paid medical leave and my wife will get a hefty chunk of change for living expenses via student loans. however, both those things won't hit until late september at the earliest

long term, im not expecting much of a financial burden, but short term we could use a hand with groceries and similar while we wait for my backpay and my wife's student loans

for venmo and paypal: i am @/sumomomochi for both and either is fine, though pp is labeled as a business account so pls mark f&f if you can

i also have this amazon wishlist ( https://www.amazon.com/hz/wishlist/ls/N1NSTH3JPCX2?ref_=wl_share ) that is like 90% meal replacement shakes and bulk shelf stable snacks, but also has a couple of other useful things like bathing wipes since i am unlikely to be able to shower well post surgery, pj pants for when it cools down (i went up a size with t because my ass and thighs got just so beefy and thus have one pair that fits rn lmao), and cat food for the penni (gotta keep my nurse well paid)

uuuh what else

like i said, i'm incredibly ill at the best of times so i am a champ at weathering this sort of stuff its nbd. "i'm sorry"s are not helpful, i'd much rather have people ask direct specific questions, either about my health status or things i'm doing to keep busy (ie "any new and fun things causing tummy issues?" or "hows your battle vest coming?" or "whats your fav line youve written this week?"). engagement and entertainment is Important to keep me from climbing the walls but i swear i will bite at straight sympathy

things ive been doing to keep me out of the er include: laying on my left side or stomach (The Digestion Position; helps get food past the squished part); eating a semi-liquid diet (hence ensure, jello, pudding, the like, though its important that i also eat solid food as much as is tolerated, which is such a delicate balance. this is why i cannot currently work); going on stupid little walks for my stupid digestive health (honestly the most important thing i can do, which im mad about, because it requires pants, but not only encourages guts to digest but also will help me not decondition, which i have already done a lot of :I)

things YOU can do to help (because i know *i* am a helper but also what is actually helpful??): financially with the above deets (no pressure); asks, comments, and other conversational interactions (i am absolutely chill with basically any kind of question and i dont mind dms if youd prefer privacy, just dont pedestal me i promise i am just A Dude); fanart for my fics (i do not care if you "cant draw" i will still love it); prompts for fandom but not necessarily fic projects (wardrobe moodboards/meta for characters, playlists/songs, smut writing how to questions, cosplay progress/plans qs, those "what was x's pov in this scene/what specifically happened between x and y in this fic?" qs andor other ask meme things idk dude i haven't been able to do shit for almost three months im booooored)

in conclusion

nurse penni says do not worry about herb patient, he is in good hands, just be sure to offer regular enrichment

[justinspoliticalcorner]

Alice Miranda Ollstein and Megan Messerly at Politico:

Donald Trump says he won’t ban birth control if he returns to the White House. But he could make it a lot harder to get. As president, Trump enacted several policies that made it more difficult for people, particularly the working class and the poor, to obtain contraception — from allowing more employers to opt out of birth control coverage in their workers’ health insurance to imposing restrictions on the Title X family planning program that triggered a mass exodus of clinics.

Conservative allies want to reimpose those policies and go further if he wins in November. Their “Project 2025” blueprint includes proposals to require coverage of natural family planning methods and remove requirements that insurance cover certain emergency contraception. Taken together, the policies highlight the many ways a second Trump administration could hamper access to contraception, short of a blanket ban. The impact would also be much greater now that roughly one-third of states prohibit nearly all abortions. In the wake of the Dobbs decision, to the consternation of some conservatives, the Biden administration has worked to make contraception more accessible, approving the first birth control pill available over-the-counter and requiring more types of contraception be covered by insurance. [...]

Roger Severino, a former Trump administration official who drafted the health care section of the Project 2025 blueprint, argued that the restrictions proposed in the document are a “far cry” from pulling contraceptives off the market or criminalizing their use — actions some Democrats have warned conservatives plan to implement. “The notion that there’s a formal organized movement to ban contraception across America is downright silly. I don’t know how that idea came about. But it strikes me as political posturing in the wake of the Dobbs decision to try to mislead people into thinking everything is up for grabs having to do with sex,” Severino said. “It’s fearmongering.” The Biden campaign said last week that Trump’s contraception remarks are the latest example of the chaos he has wrought for women’s reproductive rights, particularly by appointing three conservative justices to the Supreme Court.

[...]

As part of their 2025 wish list, conservatives want to overhaul which forms of birth control insurance companies must cover for patients at no cost under the Affordable Care Act. For instance, they have drafted plans to allow insurers to drop coverage of the emergency contraceptive pill Ella, which some on the right believe is an abortifacient.

“Instead of a mandate of a particular potentially abortifacient drug, it should be opt-in instead of opt-out,” Severino said. “Mandates are a difficult thing to impose on the American people, especially when you have something as fraught as issues of potential loss of life.” Conservatives also call for a requirement to cover “fertility awareness-based methods” of family planning, such as apps to track menstruation. Waters said she would also like to see the National Institutes of Health or another entity study the long-term effects of birth control. Trump allies also hope he will bring back a number of policies from his administration. During Trump’s four years in office, his administration slashed hundreds of millions of dollars in funding from the Teen Pregnancy Prevention Program and sought to repeal the Affordable Care Act, which has allowed at least 58 million women to access birth control with no out-of-pocket costs.

Federal health officials in Trump’s administration also issued rules allowing virtually any employer to refuse to cover contraception in their health plans, a policy supporters of the former president hope will be restored in 2025. The administration’s biggest impact on contraception access came from its overhaul of the federal Title X program, which provides free and subsidized birth control, STD screenings and other services to millions of low-income people. Trump’s health officials first cut the length of grants to clinics in that program from three years to eight months, creating more uncertainty and paperwork burdens for already strapped clinics. They then issued rules that banned providers from referring patients for an abortion or discussing it as an option and required clinics to construct fully separate facilities for the procedure and other services. Proponents argued the policies would ensure taxpayer dollars didn’t inadvertently support abortion, but many critics considered it a “gag rule” that prevented open communication between doctor and patient.

Politico is reporting that Donald Trump may be open to heavily restricting access to contraception and birth control instead of an outright ban. This is yet another example of the morally bankrupt Project 2025 agenda that the GOP wants to enact.

[chiangmailawyer]

One-Year Multiple Entry Visa

Thailand's One-Year Multiple Entry Visa offers a fantastic opportunity for those seeking extended stays or frequent travels within Southeast Asia. This visa allows you to enter and exit Thailand multiple times within a year, making it ideal for digital nomads, business travelers, and adventurers who want to explore the region at their own pace.

Key Benefits of the One-Year Multiple Entry Visa:

Extended Stay: Enjoy up to a year of uninterrupted travel and exploration in Thailand.

Multiple Entries: Enter and exit Thailand as often as needed within the visa validity period.

Flexibility: Plan your trips without the constraints of short-term visas.

Southeast Asian Hub: Use Thailand as a base to explore neighboring countries like Cambodia, Laos, Myanmar, and Malaysia.

Eligibility Requirements:

To qualify for the One-Year Multiple Entry Visa, you typically need to meet the following criteria:

Valid Passport: Ensure your passport has a validity of at least six months beyond your intended stay.

Sufficient Funds: Demonstrate financial capability to support your stay in Thailand.

No Criminal Record: Provide proof of a clean criminal record.

Health Insurance: Have valid health insurance coverage that includes medical expenses in Thailand.

Application Form: Complete the required visa application form accurately and truthfully.

Application Process:

The application process for the One-Year Multiple Entry Visa can be completed through various channels, including:

Thai Embassy or Consulate: Submit your application in person at the nearest Thai embassy or consulate.

Online Application: Some embassies or consulates offer online application options.

Visa Agent: Consider using a reputable visa agent for assistance with the application process.

Note: Specific requirements and procedures may vary depending on your nationality and the embassy or consulate you're applying to. It's essential to check the official website of the Thai embassy or consulate in your country for the most up-to-date information.

Tips for a Successful Application:

Plan Ahead: Apply for your visa well in advance of your planned trip to avoid delays.

Gather Required Documents: Ensure you have all the necessary documents ready before submitting your application.

Be Prepared for Interviews: If required, be prepared to answer questions about your travel plans and reasons for seeking a long-term visa.

Follow Instructions Carefully: Adhere to the specific instructions provided by the embassy or consulate.

By obtaining a One-Year Multiple Entry Visa, you can embark on a memorable journey through Thailand and explore the diverse wonders of Southeast Asia. With its flexibility and convenience, this visa offers a passport to endless adventures and unforgettable experiences.

[financeattips]

Beginners guide to Financial Planning

Introduction

It is the process of managing your own and your household personal finances, or it is the most valuable point you will have to understand about the data that advice how a single manage his/her personal finance. It Include Financial planning which one person makes over time. That means you establish goals and benchmarks and track your progress. With that said, now let's pretty much get into the basics of how to kick-start your financial journey.

1. What is Financial Planning?

The purpose of financial planning is to assess your financial status, identify the goals you would like to achieve, and come up with a way in which these goals can be possible. This includes budgeting, saving, investing, and managing debt/loans to maintain financial security and well-being as well as planning for life events.

2. Setting Financial Goals

Set clear, achievable goals:

Short-term (rough guideline: build a 3-6 month emergency fund or pay off > 7% interest debt

– Medium Term: Save for a down payment or large expenditure

Long-term — for retirement or your child's education.

3. Understanding Your Finances

Understand your finances by:

Net worth (Assets – Liabilities)- Tracking income and expenses

- Evaluating debt.

4. Creating a Budget

A budget is how you spend your income on expenses, saving, and investments.

- List income sources.

So, the things you got to do are: — Expense characterization (fixed and variable)

- Set spending limits.

- Regularly review and adjust.

5. Building an Emergency Fund

Have three to six months living expenses set aside in a liquid account for medical problems or loss of job.

6. Managing Debt

Reduce debt by:

Focusing on high interest debt

- Consolidating debt.

- Creating a repayment plan.

7. Investing for the Future

Invest to grow wealth:

Stocks- high returns, risk also higher.

– Bonds: Consistent income, lower risk.

Diversified portfolio — mutual funds

Real estate: rental income and appreciation

8. Retirement Planning

Redefining goal retirement savings with retire Expense

401(k) — Employer-sponsored plans

– IRA (Individual Retirement Accounts)

Pension plans:

Steady income after retirement.

9. Insurance and Risk Management

Protect assets with:

— Health/Life/Disability/Property Insurance

10. Reviewing Your Financial Plan

Be sure to revise and fine-tune your plan over time to reflect the goals you are working towards.

Conclusion

Financial planning gives you clear control over your financial future. Establish goals, financial plan, manage debt and invest in interest of stability and wealth creation. Persevere and be able to adapt.

[veenamalik]

Business Operation Plan

1. Business Overview

Business Name: Little Ladoo Baby Food

Business Concept: Producing and selling organic baby food at farmers' markets and via social media.

Vision: To provide nutritious and organic baby food options to health-conscious parents.

Mission: To promote healthy eating habits from an early age and support local farmers.

2. Product Description

Product Line: Organic baby food blends (purees) made from locally sourced ingredients.

Initial Offerings: Start with a limited variety of flavors (e.g., Cardamom flavor halwa, Oats, rice, and foxnuts).

Differentiation: Emphasize freshness, organic certification, and locally sourced ingredients.

3. Operational Goals

Short-term (First Year):

Establish a presence at 2-3 local farmers' markets.

Build a customer base and gather feedback.

Develop a presence on social media platforms.

Long-term (Next 3 Years):

Expand the product line with new flavors and packaging options.

Distribute through local baby stores and online platforms.

Explore opportunities for regional expansion.

4. Operational Strategies

Production:

Location: Utilize a licensed commercial kitchen for food preparation.

Ingredients: Source organic produce from local farms to maintain freshness and quality.

Process: Implement strict food safety and quality control measures.

Distribution:

Initially sell directly at farmers' markets.

Gradually introduce online sales through social media platforms (Instagram, Facebook).

Explore partnerships with local baby boutiques and health stores.

Marketing:

Branding: Create a logo and brand identity that conveys freshness and health.

Promotion: Offer samples at farmers' markets; use social media for product showcases and customer testimonials.

Customer Engagement: Collect feedback to improve products and build customer loyalty.

5. Financial Plan

Startup Costs: Estimate costs for kitchen rental, ingredients, packaging, and initial marketing efforts (e.g., sampling).

Revenue Streams: Farmers' market sales, online sales via social media, and potential wholesale to local stores.

Profitability: Calculate the breakeven point and projected profit margins.

6. Risk Management

Food Safety: Ensure compliance with health regulations and maintain high food safety standards.

Supply Chain: Develop relationships with reliable local suppliers to minimize supply chain risks.

Market Risks: Monitor customer preferences and market trends to adapt product offerings accordingly.

7. Timeline

Launch Date: Specify the timeline for starting operations at farmers' markets and social media introduction.

Milestones: Set achievable milestones for product development, market expansion, and revenue growth.

8. Team and Responsibilities

Founder/Owner: Oversee overall operations, product development, and marketing.

Kitchen Staff: Hire or collaborate with kitchen personnel for food preparation.

Sales and Marketing: Manage farmers' market sales and social media marketing efforts.

9. Legal Considerations

Permits and Licenses: Obtain necessary permits for food handling and sales.

Insurance: Purchase liability insurance for product safety and protection.

10. Evaluation and Review

Performance Metrics: Track sales data, customer feedback, and social media engagement.

Adjustment: Regularly review operational strategies and adjust based on market response and business goals.

By developing a comprehensive operational plan, I'll have a clear roadmap to guide the launch and growth of "Little Ladoo" Baby Food. This plan will help me stay focused, manage resources effectively, and navigate challenges as I establish my business in the marketplace.