#dental marketing courses

[bloomingbluebell]

yeah, there should be a course in high school on how to do taxes, apply to jobs and all that, etc. but you know what else there should be? a crash course on accessing healthcare

[endivinity]

Hey yall!

it's been one of those weeks. a very, very expensive week. my savings will be completely wiped, but I can't open commissions, so it's not looking too hot for me right now. I'm not in any danger of eviction or other major consequences, but I can't front the costs by myself.

If you'd like to help out by chipping in a little bit, I've got the tl;dr over here! https://ko-fi.com/endivinity There's a pack of every public deathclaw artwork available through that as well, if you'd like a bonus incentive.

Long version and plan of attack under the cut!

I've been medically unemployed for a couple of years now. I've also been recently diagnosed with ADHD - inattentive. I was given an initial trial course of meds for them, which so far aren't working in any helpful ways. NZ has free prescriptions... but it does not have free mental health diagnoses, and especially not for adults. The initial diagnosis appointments cost me $1100, and there are at-cost followup appointments and other medical related costs that are chipping away at it. My medication will need reviewing and possibly switching, which requires more at-cost appointments. This was fine for me to pay! But. Miraculously, I barely self-medicated prior to diagnosis but when I did.... it was with sugary foods. I'm sure you can see where this ends up :'D

The other day I got hit with a dental bill that was not only staggering, but the treatment itself was a gutpunch. I'm not quite at root canal level but two of my teeth are tending towards it, even as the dentist commended my brushing and flossing. The quote is between $3200-4000 (give or take a couple non-priority preventative treatments). I can get government funding assistance up to $1000, and anything beyond that is a loan.

And unrelated I NEED new glasses, because the vision in my left eye from uveitis has deteriorated significantly. this costs less at i think $200-300, but the government does NOT assist with this for... some reason??

The plan of attack:

I'd - hoped, that the meds would let me focus more on owed work. I'd hoped I'd be able to clear the board. That's not the case right now. I'll keep trying, but for now I have to focus on the present.

So, the Ko-fi page is open! There's PWYW files of every deathclaw art I have, so if you'd like to help me out and get convenient lizards instead of browsing my posts, that's the option for you. I will also be making deathclaw designs to auction. I'd like to do customs in future because there's a hungry hungry market out there, waiting for me to do so, but that'd be a commission and I wouldn't complete it. So, premades it will be. My Inprnt store is currently barren; I will see about getting it filled. That'll be linked later. I can't mail out my print stock I use for cons, because I don't have a car or easy access to shipping packaging for larger prints. (And shipping would be immense because, NZ)

So far those are my only attainable options. If you have other suggestions though, please let me know! <3

[eatmangoesnekkid]

The Hidden Eros in Oral Care

Heart health is directly related to the quality of one’s oral hygiene.

Oral care and professional dental hygiene such as deep cleanings (especially as you get older) and brushing your tongue and the roof of your mouth daily favorably impact your heart health and the spiritual energetic emanation of your heart energy and body scent. That, coupled with pelvic circulation, the divine capacity to shake any fibroids and other toxic debris out of your own body, is also important to your quality of scent. Now your energy can flow better.

Increasing the health of our heart is important because it pumps and pulses our blood to other organs and provides our body with cleaner oxygen. Our heart is important for many less-than-obvious reasons as well. It is the only organ that supports us in radiating more peace, love and joy out into the world. So if you care about your heart, you must also care about your teeth and gum tissue, something I wish I would have learned when I was younger. But quality teeth and gum care are not about having perfect teeth as marketed in Western society, but about healthy teeth and gum tissues and thus healthy circulation of our heart energy.

Well-sourced meat (especially for more athletic people who *enjoy* meat) is okay as long as they regulate and stay aligned with healthy digestion which of course impacts quality of scent. If f you eat meat, you must be more meticulous with self-care which needs to stated and taught more I find.

I am a Scent Priestess among many other roles. Healthy scent/pheromones are part of my core values.

I believe as women, as female-bodies people, scent has to become one of our strongest senses and personal allies because of its ability to support us in drawing precise conclusions or making clear decisions through scent-tracking. How someone or something smells provides us with deeper intelligence and wisdom about a person or an environment, who and what is good for us and working in our favor.

Also, the quality of one’s health and the quality of one’s scent, are all inextricably linked to their quality of sex. If you love openhearted high-quality sex, if you love creativity and creative energy, creating new body and life narratives, meeting your goals and dreams, you must also adore self-care and spending time tending to your body, not putting yourself last. You must also embark on a journey of finding pleasure in opening up your lymphatic pathways and sweating regularly as well as touching and massaging aloe/oil/body butters into your whole body.

The ability to experience enthusiasm, ecstasy, natural bliss, instrinsic beauty, prophecy, and the like occur with more ease when you feel good, and smell good because your energy is unlocked and flowing. The flow of energy also keeps your signal for deliberate creation strong and available.

The quality of your flow of energy is the only thing that truly creates your reality.

The systems of oppression and repression we live in that de-magnetize and de-sacralize the feminine inhibit us from discovering real pleasure and erotic energy in most things we do, like in our oral care. Opening up your mouth wide and caring for your teeth and gum tissue, doing hip circles as you slow-brush your tongue, knowing how this care also contributes greatly to your confidence and sexual wellbeing, may start to feel delicious and even a bit erotic overtime to you with more tending, conscious opening like undressing slowly while soft gazing at your lover, and getting your mouth healthier, happier, or more sensitive to pleasure. If we want to cultivate the big chi needed to create the world we desire to see, we have to be willing to show up more creatively and erotically in nearly everything we do.

We have to become women again, Gods, dripping with big desire, even while brushing and flossing our teeth sometimes. We must become women, Goddesses who wear little to no chemicals, make high-quality oil tinctures by hand and beating heart, smelling like love, tasting like love, emanating more love and beauty into the electromagnetic field. This is how we create projects, art, or other dreams that have a heartbeat, where we don’t have to beg consumers to buy or purchase, but the work is so valuable and rooted that its own pulse will circulate it around in the world and into the global marketplace on our behalf.

Yes even inanimate objects, gestated properly, can carry a circulatory system. Mm. Amen.

—-

When you are ready to cross the threshold of waking up from the amnesia and egoic dream state you were groomed to live in, please know it is not all pleasure all the time which can lead to spiritual bypassing and hedonistic insatiable parasitic energy, like attracting a lover who doesn't really care about you and lowkey only really wants to fuck. None of this melody of love work is about getting stuck in pleasure because some of the transformative emotions are not pleasurable to experience.

The Feminine

The light is expanding which means that we too have to expand in order to hold more light. This is what awakening looks like. But a true awakening to light and wisdom in this dimension actually is a great descent into the human body--moving us out of head and down into our pussy, sex/creative energy center, and psyche on Earth which will bring up and out anything that is not true like vomiting in a ceremony, including the ugly, the uncomfortable, and the hard, which may likely bring heartbreak, pain, loss loneliness, etc. and reveal other blind spots and shadows one has been numbing or hiding from. But it will be also illuminate profound unmet layers of beauty because what's also true is that waking up is an ongoing internal work of resensitizing ourselves to experience real pleasure -from the subtlest, softest, benevolent, whispering touch of the wind to the firmest most passionate hand-full-of-pure-ass-grip under a moonlit sky and allow our range for pleasure to widen and expand on all levels like the universe, even in our oral health and oral...care. These are also ways the body naturally regenerates and create more meaningful experiences.

“Scent Priestess” is one of my favorite chapters in The Melody of Love series. 🫀🫀🫀

[boxoftheskyking]

So you might want to buy a house

DISCLAIMER: all of this is based on my own experience, and I am in no way a real estate professional. This is just some stuff that I’ve learned and some steps that I wish I’d known more about in advance, in hopes that it might be helpful for some people. I might get some terminology wrong, or make mistakes, but hopefully the general info is at least kind of helpful

ABOUT ME: because real estate stuff is specific. I am 33, single, employed, and live in a city in Minnesota, USA. This is my first home purchase, so most of this is specific to being a first-time buyer. I’ve been renting in this area for 15 years. I closed on my house in August 2023.

NOTE: The real estate market is super weird, and varies hugely from region to region, neighborhood to neighborhood, and week to week. What shook out for me will not be what shakes out for you.

This is SO LONG, so it’s under a cut, and I hope you will take it with the good faith in was intended!

Where do I start?

So you want to get started but want to talk things over first. This is a good idea! Even if you have friends and family who have bought before, it’s nice to talk to official type people where you can ask any and every question and know they’ve heard way dumber questions than you could ever come up with over the course of their career.

Employee Assistance Program -If you work a job that has benefits, you might have what’s called an Employee Assistance Program (EAP). Some companies get it along with their health insurance as kind of a bundle, but a lot of people don’t talk about it or know about it. -EAPs are all different, they’re basically a resource hub that you might have access to if your employer covers it. Some things they offer are limited therapy/counseling sessions (usually around a specific need like a breakup/death/life transition), consultation about adoption, personal financial advising, and consultation on housing and buying property. -I used my EAP to find a bunch of organizations that work to support first-time home buyers. The one I went with, NeighborWorks Home Partners, is specific to my area, but there were other options listed. -I didn’t actually talk to anyone related to the EAP, I just logged in to a site that had a bunch of links. But I could have talked to someone if I wanted -If you work a job and have benefits like health insurance, retirement, dental, etc it’s worth asking whoever does your benefits (and HR person, general manager, office manager, etc) if there is an EAP. Again, a lot of people don’t really talk about it.

Homebuyer Education -There’s a bunch of different organizations that provide homebuyer education. I didn’t know many of the details about homebuying, and it’s super confusing and anxiety-inducing, so I found it helpful -There’s a few ways to do this—I did both a one-on-one consultation and an online class -The one-on-one consultation was free from the org I chose. We talked on Zoom and went over monthly budgets (which I didn’t really need to do, I make budgets for a living lolllll), a soft credit pull (will talk more about this below) and talk about what goes into a credit score, and all the different expenses that go into a house and what that might look like. At the end of the day, it gave me the first sense of what my budget for a house might be.  -They did a soft credit pull (see below), which gave me a sense of my credit. It was more accurate than a thing like Credit Karma or my bank. -One note about the consultation - my down payment assistance program (will talk more about this later) required me to redo it, because I did it over a year before closing. So depending on your programs you might need to pay attention to the timeline. I also got a certificate saying I did it that I submitted to my assistance program. (Redoing it meant like a 10 minute call where the guy just helped talk me through my closing documents) -It cost me $75 to take an online class that took a few hours. It was in 8 parts and included watching some videos, reading some short articles, and then taking quizzes. You had to get 80% right to pass, and you can redo it if you need to. It went over most of the things to know and had links to read more. I also got a certificate for that to submit, and it didn’t matter how much time had passed for my assistance program. 

Credit -I’m not going to explain everything about credit, because it is complicated -A soft credit pull is when they check the three major credit reporting agencies to get a general sense of your score. It’s not 100% accurate. -A hard credit pull is what lenders will do when you actually go in for a preapproval (more below). It will be the most accurate. A hard credit pull will have an affect on your credit score, so if you’re ever doing something that involves a hard credit pull, it’s best to do all of that within a month so that it only really hits once. -There are 3 credit reporting agencies, and your score will be different from each one. Why? no idea. They all have a different maximum number that your score can be. Why? again, no idea. It’s around 850 though. -Generally things get easier to do if your score is above 680ish. It’s not like you can’t get a house with a lower score, but sometimes there are other hoops to jump through. -I’m not very useful when it comes to buying a house with low credit, but I bet there are people who are!  -You build credit by owing money and paying it regularly. It’s annoying and dumb, but it’s the way it is. Paying rent on time builds your credit, having a credit card that you pay off every month builds credit, paying utility bills that are in your name builds credit. (Note: This stuff has to be in your name for it to count, so if you pay your roommate every month for the electric bill and it’s in their name, it won’t count. So if you’re in that situation, you may want to put something in your name like a card to build your score). Paying off a car or phone or student loan also helps. -I have really good credit, and I’m neither rich nor special. I just set everything to autopay, including my credit card bill. I use my credit card for most things that I just shop for in the world like groceries, etc, and then I have all my bills autopay from my checking account. How did people do this shit before autopay? I have no idea.

Mortgage vs. Rent -The benefit of paying a mortgage vs rent is that you’re building equity if you pay into a mortgage. This is a surprise tool that will help you later. Which means that if you are in a situation where you need money, you can borrow from what you’ve paid into your mortgage. So like if you get very sick or have a kid going to school or want to throw a big party, you could get a loan based on your equity -Equity is confusing, don’t ask me about it -For me, I pay a bit more per month than I did in rent at my last place. BUT mostly that’s because I’d been living in the same place for many years and my rent hadn’t gone up that much. One of the first things I did when considering buying is look at how much it would cost to rent a house like the kind I would want to buy. And those rents are over what I ended up paying monthly to my mortgage. -Keep in mind that you will be taking on some extra expenses that you don’t have as a renter (like maintenance, repairs, etc). Note: if you’re buying a condo, that’s different. I don’t know shit about that. -So for me, paying my landlord every month for him to occasionally (half-assedly) fix stuff (on his schedule, where he decides who to hire or how to do the work, where he is a stranger in my space for the duration) was not as appealing as me paying the bank every month so I can have some equity  -The first 6 months of owning a house feels like hemorrhaging money out of every orifice, but the majority of these expenses are one-time or rarely-reoccurring things. But I didn’t quite prepare for this the way I wish I had, so when you’re thinking about building your savings to buy a house, you’ll want to consider things like furniture, small repairs, pest control, duct cleaning, gutter cleaning, many many visits to a hardware store, realizing some of your stuff doesn’t fit the way it did in the old place and you have to get new things.... etc. 

The Money Stuff

Lenders -It might be appealing to start by looking at properties, but especially in a hot market that’s not what you want to do first -The first thing to do is to look at lenders! Lenders are basically the institutions that give you the loan to buy your house, and the ones you will be paying monthly for the 30 years of your loan (or until you sell) (or die I guess) -I talked to like 13 lenders, because I love an excuse not to move forward on scary things, so I just do research and research and research until I run out of steam. So i don’t necessarily recommend doing that. But you definitely want to talk to at least a few. -Lenders can be banks (like Bank of American, US Bank, Wells Fargo, etc), credit unions (like Affinity, RCU, etc), or smaller mortgage companies. -You can also talk to mortgage brokers, which are companies that have agreements with different banks or companies and can shop around on your behalf. -I got my list of people to talk to from: my consultation (above), friends who had bought/were buying, friends who like their bank/credit unions for other things -You’ll have a specific person you’re working with, so who that person is matters. -Things you’ll want to ask about 1. How is their communication? How big is your team? If you see a house on a Saturday and they need offers by Sunday afternoon, how likely is it that they will get your preapproval letter ready in time?  2. Are they good at explaining things to you? Do they work with first-time homebuyers a lot? Do you feel dumb talking to them? Are they mortgage nerds and genuinely seem like they care about finding you good deals and cool programs? 3. What are their interest rates at the moment? Know that this will change between now and the time you have the option to lock in, so don’t put too too much weight on this 4. Most importantly: What assistance programs do they have access to? Everyone has different ones, which we’ll talk about below. Don’t assume that because a bank is huge that they have a ton of assistance. Some small places have really great programs. Likewise, some of the banks that are more well-known for big ticket mortgages (like Jumbo loans for mansions, etc) actually have crazy good programs for low-income and first-time home buyers, because they need to show that they also work for the little guy -I ended up going with a small local mortgage company because they had a kickass program ($10,000 in down payment assistance that is forgivable in 5 years. So as long as I don’t sell my house in 5 years, I don’t have to pay that back). -You may be tempted to solely base your decision on who to get a mortgage from on the politics of the lending institution. This is a lovely instinct. HOWEVER, your mortgage can be sold to anyone at any time. Within a month of moving in, my mortgage was sold to Freddie Mac. I still pay the credit union that is the servicer of my loan, but it all goes back to the big guy in the end. So basically you have no control of where your money ends up. (or maybe you do somehow, ask someone else about that) -At the end of the day, you should apply to like 2-4 different lenders. Once you fill out your application, they’ll do a hard credit pull and look at all your income, bank accounts, etc, and they’ll pre-approve you for a certain amount of money. -This is really where you’ll get your house-hunting budget. There can be a pretty big range in what you’re approved for! One lender approved me for $220K (”maybe $225K” they said). Another approved me for $280K. You’ll want to pick a lender based on all the above information, along with the amount you’re approved for. Being approved for $280K doesn’t mean that’s what you should spend (you can, but I don’t recommend it), but it does mean that your budget can be more like $250K, compared for $225K. You’ll want to look around at your area to see what’s reasonable for you.

Downpayment Assistance -for a lot of first-time buyers, the downpayment (and closing costs) is the thing that’s standing between you and being a homeowner. So that’s what a lot of organizations focus on -The more you put down (i.e. pay right off the bat), the lower your loan will be, and therefore the less your monthly payment will be. So it’s worth it to try and pay down as much as possible -(Likewise, if you buy and house and then get a windfall and are like What do I do with all this cash, paying down your mortgage will save you money) -This is because you pay MORE in interest than you pay for your house, so the less your loan is, the less you’re paying in interest. If you find a way to pay off your loan early, you end up paying less interest! And you win against the bank! If you get a raise and are able to put even like an extra $100 towards your mortgage each month, that can cut years off your loan and build your equity more quickly, thereby cutting down on the interest you end up paying. So unlike paying more money to a landlord who will eat it with a spoon, maybe more in your mortgage early is helpful for you. -Lots of downpayment assistance (hereinafter DPA) is stackable! So you can qualify for multiple programs and use them all -Many have an income requirement (for one of mine, I need to make 80% of the median income in my area or less). -Many are location specific. Some of those you can look up in advance and try to focus on properties in those areas. Some are super super specific, like this block only, or these specific addresses. That’s true for one of my programs—whenever I was considering making an offer on a house, I’d email my lender and she’d tell me if that specific address counts for the assistance program -At the end of the day, I got $30K in assistance. $10K of that is forgivable in 5 years (so I don’t have to pay it back unless I sell in that time). The other $20K is from two separate no-interest loans. This means that if I sell the house, I have to pay back that amount. Ideally by that time I’ll have enough equity in my house that will cover that. -Interest rates are super high right now, so if you’re buying now you want to think about refinancing. Refinancing is basically when you negotiate a new deal with your lender. There are fees and things (I’ve never done it so IDK), but the benefit of doing that is getting a lower interest rate. So my rate is 6.25%, and in 5 years if the rate goes down to like 2.3% I may want to refinance so I’ll be paying less in interest over the course of my loan. -If you’re getting DPA that’s a loan, you will want to ask what happens when you refinance. They’ll probably tell you either you have to pay it back when you refinance (so don’t get stuck in that situation if you don’t have that $$$ on hand) or they’ll say it’ll be subordinated -this took me like weeks to get a straight answer on wtf is subordination. Basically, you pay your loans off in order, right, so you pay your mortgage and then after that you pay off your DPA loans. So if you refinance, then your mortgage ends up being “newer” I guess. So in order to put the mortgage back “on top” of the pile to pay off, so to speak, you pay that (and it’s interest) first, the DPA loans get shoved down underneath the mortgage on the list. 

Interest Rates -You can’t control interest rates. Honestly markets are so volatile and the world is so close to ending, I would say it’s not worth waiting for them to go down. Maybe they will, maybe they won’t. No one fuckin knows -So many global, political, circumstantial things affect these, and who knows what might happen. My friends happened to be closing during the time the debt ceiling almost freaked out, which was outside of their control, so they got screwed with a super high rate.  -After you get an offer accepted and you’re working on setting up your loan, you’ll usually get the offer to “lock in” an interest rate. Basically, if you have reason to believe rates will go down before you close, don’t do it. if you think they’ll go up, then do it. Who fuckin knows. I did it bc I didn’t think it was likely stuff would go down. And I haven’t looked it up bc if they did I don’t want to know -There are more complicated things you can do with interest rates, like “floating down” and APRs and other shit. Don’t ask me about them, I do not know.

Looking for houses

Realtors -Who your realtor is MATTERS y’all. Here is what a realtor will do: 1. Give you access to a Super Awesome online listing of properties (much better than Zillow! Updates constantly). They will set your search filters based on what you specifically want and your specific budget. That includes size, amenities, location, school district, garage, yard, etc etc 2. Arrange showings for you. Sometimes you might want to go to open houses, but you don’t have to wait for those to see a house. You tell your realtor what you’re interested in and they can set up a time for just you and them to see the place 3. Access houses with funky lil lockboxes. Heist teams should include realtors—I’ve seen my guy get into the weirdest of devices in no time 4. Recommend places to you 5. Talk on your behalf with the seller’s agents or the sellers themselves 6. Take you all the way through your offers, acceptance, all the way to closing (basically, most of the rest of this post) -I am really lucky that a friend of mine is one of the best realtors in town (in my humble opinon). It really worked out for me, because when it came to negotiating price and terms with sellers and their agents, people already respected him and his expertise because he was a known fixture in the field. I’m not saying that an early-career or unknown realtor is bad, but reputation can do a lot of heavy lifting for you (as you’ll see later) -My realtor, S, is not only a friend, but also someone who has owned, rented, built, remodeled, bought, and sold everything from high rise condos to alpaca farms to tiny houses built in shipping containers. That experience was super useful to me for a few reasons: 1. He was very very good at looking at a roof, foundation, or basement, and saying “absolutely not, this is a mess” —I could only rarely see what he was talking about because I know nothing 2. If I looked at a space and said “what if I wanted to add a shower there?” or “could I make this basement area a bedroom?” S was able to pretty accurately estimate what that would cost. So that became part of the math as we looked at places, which was really useful and saved me so much time doing research on my own 3. He’s a queer artist who grew up in a nontraditional family and has lived many fascinating and non-standard lives. I only mention this because when I wanted to talk about my future and what my home could look like, I didn’t have to worry about S making assumptions about what “family” consists of or what my “role” would be. And as a single woman who is looking to adopt, that really meant a lot to me! -(side note if you’re in the Twin Cities and want S’s info, hit me up) -The most important thing about working with S, for me, is that he never made me feel foolish. I gradually got really good at talking about and looking at houses, but even when I asked questions that were obviously, or made incorrect assumptions, he never treated me like I should have known the answers, or like the process was supposed to be easy. And the guy genuinely loves houses!

What to Look For -You’ll want to find a house that fits what you want your life to be, not necessarily what it is at this moment. So think about what you want your day to day to be like. Will you be working from home at all? Do you have or want kids or pets? Do you want to be a person who hosts out of town guests? Do you want to have band practice at your place? Do you want to host D&D? Large holiday meals? Do you want to garden? Grill? Have a firepit? Do you have a car, or do you think you will? Do you have physical access needs based on your body, like particular types of doorways, floors, stairs, size of spaces, etc.? Are there furniture pieces that are important to you that you want to plan around? (For me, I have an electric piano, and placing that was super important).

-I’m a single person, and I want to adopt a kid, and I know I’ll need a roommate in order to afford my mortgage. So it was vital for me to find a house that either had 3 bedrooms, or had 2 bedrooms and a 3rd could be easily finished/added. it was also important that my roommate would have their own private space that was decent size for me to charge rent -Think about all year round. I live in Minnesota, and you better believe snow was top of mind at every house. As a renter, my landlord was supposed to deal, with anything over 3 inches (did he always? of course not). Now it’s my responsibility. What kind of trees are around? Do you have big storms? You need to pay attention to big branches and power lines. Is it getting super hot where you live? You probably want to prioritize central air, or shade.

-On the topic of central air - It’s pricey to add it to a house that doesn’t have forced air heat, because you have to add all the ductwork. If that’s the case and you don’t have that $$$, you can either go with window units or something called a mini-split. It’s basically mini air conditioners that heat floors separately, but have a better range than a window unit. -Does the house have a yard you want to deal with? How about a sidewalk you have to shovel (woe unto you in corner lots) -How does bussing work for the schools in your area, if that matters to you? -Some houses will be empty. Empty rooms look smaller than rooms that have shit in them -Some will be staged. People who stage houses don’t fill them with STUFF, so you’ll notice few bookcases, coatracks, etc. Think about the stuff you have, not the stuff they put in the house. -You will be AMAZED at how some people live. Seriously. Some people have a giant ass oak tree literally leaning on their roof and just deal with it. Some people have 3 bedroom houses, and the only bathroom is only accessible by going through one of the bedrooms. Some people have their fridge down a flight of stairs from the kitchen. Some people have their laundry in the basement, but the only access to the basement is through an outside door. In some climates that’s fine, but I live in fucking Minnesota -I had the instinct when I started looking that I needed to be entirely open to everything, and not be too picky. After about two weeks of looking (and S had me going to like 4-9 showings a day some days), I got real picky real fast. This was helpful for S and helpful for me, so we weren’t wasting time on houses that weren’t contenders. I learned that the houses’ feelings did not get hurt by me not wanting to buy them -Likewise, I started out being entirely open about where I wanted to live. Anywhere in the Cities or near suburbs, I said. But then I went to see houses in these places and realized I did not want to drive that far to work, or that the only way to access places was by the highway, so if it shuts down or there’s a bad snowstorm, I’m stuck. -To that end, i found it really helpful to make myself a Google map (you can make some and save them) of where I go. I included work, church, my bandmates houses, bars I like to go to, and my friends’ houses. Then whenever I was considering a house I’d plunk it on the map and see how it lined up with the realities of my life. -We’ll talk about offers in a sec, but remember that people can technically list their house for whatever number they want. So it’ll be up to you and your realtor to decide what’s fair. I mention this here, because a house may be listed way cheaper than others on your list—there’s likely a reason for that, but if it looks promising, give it a try! It could be that the reason it’s listed low doesn’t matter to you (i.e. it’s next to an annoying business that you don’t mind, or doesn’t have a garage but you don’t have a car, or the other houses int he neighborhood have yards and this doesn’t). Or it could be the seller needs to move it FAST and you can take advantage of their situation. -If you’re a handy person, a cheaper house might be a great option if fixing it up to be what you want is affordable for you. (Again, this is where a realtor like S can be super helpful to come up with those costs). For me, I didn’t want to do jack shit to the house, and I knew I’d be paying for that. (not that I don’t have a whole spreadsheet of eventual projects....but that’s invevitable) -Likewise, it can be helpful to set your filters to include houses a bit above your budget. Some people list their houses WAY higher than they should, so if you see a property that’s been on the market for a while (when I was looking the market was hothothot, so “a while” could mean anything over a week/10 days. In a slower market, you’ll want to look at those that have been listed for 30+ days), it might be worth checking out and then offering low. Chances are the seller will need to reduce the price anyway if they’re not getting any bites, and you could get a good deal by jumping in before they do that. -IDK where else to put this, but measure the garage. I didn’t, and I discovered like a month ago that my car (a little compact Toyota) is too long for my damn garage. It’s not that I wouldn’t have bought the house because of that, but I could have included it in some negotiations.

Offers -So you found a house you like! Now the scary part. 

-You’ll get a sense of the market from your realtor, and they can usually advise you about how quickly you need to move on a potential offer. Sometimes a seller will give a deadline themselves: they call this “best and highest.” So they’ll say “we’re hearing offers at 3pm tomorrow” or “we’re asking for best and highest on Monday.” Generally that’s the cutoff for receiving viable offers. -In the market when I was buying, it was pretty common for houses to sell for 20-40K over the asking price. Again, some houses would be listed too high or too low, as I mentioned before, but on average that’s what I was working with. There were also a TON of offers on all the properties I liked. The lowest number of offers on a house I tried to get was 5, the highest was 19. That is kind of insane. In a slower market, when you’re not competing with that many people, you can offer closer to the asking price (or some people just say “asking” as in “20 over asking”) -The first thing I did when I decided to put in an offer, was to talk to my realtor so he could start getting the paperwork together. You can’t just email the seller and say “i want your house,” there are legal documents that have to be drawn up to make it a binding agreement if it’s accepted. -My folks bought their house without a realtor and did all the negotiating, etc, themselves, but they still needed a realtor friend to do the paperwork for them. If you go that route, you can probably do more informal offers, but IDK how that works. -The next thing I did was contact my lender for the following things: 1. I gave them the address and asked “Does this fall within certain DPAs?” 2. I asked them to run some numbers for me. Usually it was a version of: “What would my monthly payment be if I offered $240K and put down $5K in earnest money, and if I had $20K of downpayment assistance? How about if I offered $245K or $250K? What if I only put down $2500?” This helped me figure out what kind of offer I could reasonably make, and what it would actually cost me monthly if I got the house. 3. Then, when I decided what I wanted to offer, I would ask for a preapproval letter that includes the address of the property, basically saying “hey we’re a lender and we will give Jay a loan of $XX to buy this house, pinky promise” -I copied S on all my communications with the lender, so he knew what I was considering and he could give advice -(sometimes I saw a house on Friday and had to make an offer by noon on Saturday, leading to me trying to call my lender at 9am on a Saturday morning, which sucked. This is why knowing who’s on your lender’s team and how to contact them matters) -There’s no hard and fast way to decide on a good offer, because you won’t know how many you’re competing against. Sometimes your realtor might be able to chat with the sellers agent and find out how many people saw the property, if they have a sense of how popular it is, but sometimes you want. You want to be able to afford it, but also not go so low that you won’t even be considered. -Usually, your realtor will ask you to write a love letter to the house to include in the offer. “Dear seller, I love your house because of blah blah blah, I can see myself doing blah blah blah, specifics specifics.” Do these matter? I don’t feel like they do but whatever. Make a template and update it for each offer. -One thing to note about this is that you DO NOT want to give information about yourself regarding your status in a protected class (i.e. “we’re a young queer couple; I’m a neurodivergent person; I’m an immigrant/veteran/belong to X racial group”). It might seem like that would be helpful in certain areas, but sellers aren’t legally allowed to pick a buyer based on those things, so it ends up working against you.  You can talk about what you do as a job or as a hobby, if you’re an artist, if you’re a parent, if you have pets, if you know who else will be living int he house with you, etc. You can hint at things. But S was very clear with me about keeping it pretty general and about the house. -Once you’ve decided on the $$$ you’re offering, you need to decide if there’s anything else to add to “sweeten the pot.” For some people, that’s saying “my timeline is totally flexible, so if you need to close in a month that’s fine, and if you need to close in 4 months that’s fine.” A lot of people choose to waive inspections. -OHHHHHH Ye olde inspection. Dear God. -The inspection is basically a thing where you hire a professional to look at the house before you officially seal the deal, and they tell you if there are things you need to be concerned about. So if the inspector comes in and says “yeah this roof is going to cave in in a year,” you can use that in your negotiation and say “look, I’m going to lower my offer by $15K, because I will need a new roof in a year.” then it’s up to the seller to decide if they want to agree to that, or if they want to try again to find a buyer who hopefully would not get an inspection. -to “waive an inspection” means that you’re agreeing to skip this step -OK so my instinct was always “I will NEVER waive the inspection,” and a lot of people feel that way. HOWEVER, I did not get certain houses because the people who did offered exactly what I did and waived the inspection. There was a buyer who had made SEVENTEEN OFFERS and beat me out on a house, and they got that house after SEVENTEEN OTHER TRIES because they waived an inspection. -I did get an inspection with my house, which was lucky and also thanks to S being a great negotiator. -I waived it on one of my offers -I would say I’d be comfortable waiving an inspection if: 1. You or your realtor knows shit about buildings, codes, etc. S knew a lot, so was able to look at things like furnaces, windows, basement beams, foundations, etc etc. 2. The important parts of the house are easily visible. Usually this means an unfinished basement. if the basement is finished, you probably can’t see all the structural things you’d need to 3. You’re already planning to do a bunch of work on a house, so you’re offering a lower bid and budgeting to do renovations anyway -At the end of the day, it’s your call. More about inspections below. -Most people who buy houses have mortgages, meaning that they can’t just drop $250K on a house. However, some people got it like that, so they make what is called a cash offer. Cash offers will win out every time, because they are usually higher, are easier for the sellers, and will often waive inspections. Depending on your region and your budget, you may or may not see this. I got screwed SO MANY TIMES and so did my friends, by all-cash, no inspection offers. The majority of these are from people who are buying properties to rent out or Airbnb - they won’t live there so they don’t really care if it’s solid, and my budget range seemed to be about where rich people who don’t want to flip a house felt comfortable buying. It was annoying. -but hey if you got it like that, go for it. -Once you have all the terms of your offer figured out, your realtor will send you the official offer paperwork that you’ll sign (prob. digitally). Then they’ll send it over to the seller and be in charge of all that communication. If the seller comes back with a counter, or with questions, your realtor will bring that to you. They may advise you, but at the end of the day it is up to you what you’ll offer and what you’ll accept.

You got accepted!

-Holy cats, they said yes to your offer and your terms! This is a huge moment to celebrate! I cried! And obsessively looked at pictures of the house over and over -The seller may come back to you with some proposed adjustments. In my case they wanted to round the selling price up by $1K, which I agreed to. (IDK why they cared, but in the grand scheme that was fine). They also wanted to change some of the verbiage in the offer that didn’t actually affect anything. -The first thing you’ll need to do is put down the earnest money. That is usually held in a trust or something similar until closing. But basically, if you said you’d put down $5K of your own money in the offer, you have to prove you have it right away. So don’t offer to put down earnest money that you don’t have! -The higher this number, the more appealing your offer generally is -There are a lot of things that will need to wait until you close, so this period of time feels really weird -You’ll have a purchase agreement (along with any addendums or changes) that basically says “I’m Jay and I offer $XX, the seller agreed to the price and the terms, we’ll see how it goes from here and if it all goes well, this deal will go through” -I’m gonna say it now, don’t ask me about escrow. Escrow is basically like an account where money lives between you and the bank. You pay extra into this account so that if something happens and you can’t pay what you agreed, the bank still gets the money for a certain period of time. or something like that, I don’t know, it gives me a headache. I’m sure other people understand it better.

Next steps

Inspection -If you included an inspection in your offer/purchase agreement, you’ll want to set that up within a few days. (Don’t worry about booking “last minute,” inspectors pretty much always work on that kind of schedule. Very few people are booking inspectors weeks in advance. This was something I felt bad about, but it’s okay)

-Inspections are pricey, and usually have different packages that include different things. I chose to do the sewer scope bc I had a friend who found some crazy sewer issues and I didn’t want to deal with it. Your realtor can probably give you advice on what you might need. -Inspector look at a lot of things: all your systems (like heating, cooling, pipes, electricity, etc),  your windows, roof, foundation, gutters, attics, floors, plumping, appliances, etc. -They do NOT open walls/ceilings/floors, etc. So if it’s not visible, they won’t be able to report on it.  -They’ll send you a big ol’ report, and if you can be there with them they’ll do a walk through with you to talk over big issues. Your realtor should come to that as well, as they might have good questions. -After you have the information, you have to decide if there are any big issues that need to be addressed. The inspector will flag things that are a problem legally, but it’s up to you how much you care about them. Some will be easy fixes. Others might be deal breakers that mean you decide to walk away from the property entirely. Most things will be in the middle.  -Note that some things are legally “issues” but practically may not matter. There are certain outlets on the outside of my house that aren’t right, but I don’t intend to use them much and if it turns out I need to, it’s not that expensive to switch them out. My basement stairs are an absolutely death trap, but my laundry is upstairs and so i dont really need to use them much. I could spend like $4K to replace them, but I don’t care at this point, and it’s not a big issue for me. But legally they are terrible. -Some things may be an absolute problem that the seller needs to deal with before you’ll agree to by the house. -You and your realtor will come up with a list of things you want to tell the seller to fix before closing. They might fight you on some of them, and again that’s why the realtor being a good negotiator matters. -Generally, you want to ask for fixes on the important things, without asking for every little thing, so the seller doesn’t decide you’re too much trouble and they could probably back out and get a better offer that wouldn’t cost them as much in repairs. -for me, the garage door was busted so they defnitely needed to fix that. There was a pipe that was put in wrong that was a quick fix. And there were birds in the attic, so they needed to clear those out and go through and block up all the entry points in the room. All of these requests were reasonable, and the sellers agreed to them. -At this point, it’s up to you if you want to pay for a re-inspection (i.e. the inspector coming back to verify that they did all the work they were supposed to). I didn’t—instead I had them give me all the receipts from the work that was done along with photos and video of the work. That way if something is a problem in the future, I can contact the companies that did the work and take advantage of warranties, etc.

Home Service Warranty -Speaking of warranties! There’s a thing called a Home Service Warranty that you’ll need to decide on. Mine is through American Home Shield. Basically this is a warranty that covers things in your house. There are different levels of coverage, so some just cover the big things like windows/roof/furnace/water heater/etc. As you upgrade, it’ll include things like stoves, fridges, dishwashers, etc. -If you’re getting your own warranty, you basically pay a certain amount per month for the coverage. Then if any of the covered things break down, it get’s fixed for free (plus a small service charge. For me that’s $125). So if your inspector tells you “hey, you’ve got about a year left on this water heater” or “the furnace has some issues that might come up in a few years” you could save a BUNCH of money by having this coverage. -My realtor got this warranty included in my purchase agreement, so the seller is actually paying for a. year of my coverage at he upgraded level. This is SICK AS HELL and not every realtor will think of it—definitely mention it to yours. I didn’t even think of it as an option. Basically what this means is that if any of my stuff breaks this first year, I can get it replaced for very cheap AND I don’t even have to pay the monthly coverage fee. -When I moved in, my shower was broken. I tried to fix it, but the called AHS and I only paid $125 for a plumber to come look at it, order parts (which would have been pricey since my house is pretty old), and fix it for me. I hate my fridge, so I have a goal to break it this year so I can get a new one for free.

Appraisal -Okay, so you got the seller to agree to your fixes, everything is moving apace. It is time for the GOD DAMN APPRAISAL -(for many people, the appraisal is fine and is not GOD DAMN anything. For me, it was a nightmare and I didn’t sleep for like 2 weeks) -Okay so what is an appraisal. Basically, the seller said “my house is worth $XX” you said “I’ll pay $XX for it.” Your lender said “we’ll give Jay a loan for $XX.” But now someone else has to look at the house and determine if it’s a fair price for the house. This is what really determines the loan you’ll get (this is also why what you’ve gotten so far is a pre-approval. They’ve basically said “you’re capable of paying back a loan of $XX, but we need an outside agency to determine if this house is worth is”) -The appraiser will look at the house, inspection reports, and other sales of similar houses in your area. Ideally, this helps them determine if the price you and the seller have agreed on is in line with what is reasonable. -Banks are not going to give you a $400K loan on a potting shed in a ditch -It’s all complicated and this is where a lot of shit in the Housing Crisis came from -Basically, you want the appraisal to come at or higher than your purchase price. (if it comes in higher, do a little dance bc you got a deal) -If it comes in lower, you can be in trouble. That’s what happened to me. -A note about rules & regs - lenders cannot talk directly to appraisers. This is because of the housing crisis and all the shady backroom deals that were happening (i.e. if you appraise this house at this price, we’ll give you Mr. Appraiser Guy some kickbacks from the extra money we’re making in mortgage interest or whatever). In practical terms, this means it takes FOREVER to get messages to all the parties involved.  -If the appraisal comes in low, you can ask for a reappraisal. It’s up to the appraiser if they agree. There are rules about this. -What Happened To Me: OK so my house is in a historically Black and immigrant neighborhood (read, historically redlined). This means a lot of the properties here are undervalued based on other locations. In a hot market, even undervalued properties can go up in price in a big way. In a slow market, that doesn’t happen so much. My appraiser only wanted to pull comps (meaning comparable sales of similar houses in the same area) in my exact neighborhood. However, there hadn’t been any sales of similar size/age/etc houses in my exact neighborhood since last winter. Guess what the market is like in the winter in Minnesota! Fucking SLOW boy. So these comps were coming in like $20K lower than my agreed price. So my realtor and lender took a look and said “look, if we widen out a little bit to these nearby neighborhoods, we can see all these more recent sales that are closer to our price.” It took two weeks of back and forth to get the appraiser to agree to add some of these comps to the appraisal. He was really reluctant to look outside my immediate area, because my neighborhood is of “lower value” than the surrounding areas. Structural racism, baby. Not against me, but against my neighbors and everyone who’s lived in this area for the past 150 years. Hooray. Finally, I got a re-appraisal that was $8K lower than my purchase price. So I was in a pickle. I had an agreement with the seller saying I’ll pay $XX, while the bank is now saying “we’ll only give you a loan for $XX-minus-$8K.” So either I need to come up with $8K MORE of a down payment in earnest money, or I need the purchase price to go down. Or i need to find more assistance. HERE IS WHERE HAVING S MADE ALL THE DIFFERENCE. He went to the seller and basically used his status and significant experience to say “Look, you can either agree to lower the purchase price by $8K, or we all walk away. If we walk away, this means you have to re-list the house, wait for more offers. And then even if you get an offer as good as or better than Jay’s, that person will still need to go through the appraisal process. So...  you’ll probably be right back here. The only chance you have of skipping appraisal is if someone comes in with a cash offer, meaning they won’t need a loan and no bank is involved. But for a lot of the reasons the appraisal is low, those types of buyers (who often want rentals/vacation rental properties) ain’t looking to buy in this neighborhood.”

(or that’s what I imagine he said. It was probably smarter)

ANYWAY, all that to say a MIRACLE occurred, and the seller agreed to lower the purchase price of the house by $8K. I can tell you the whole story of how I found out over a drink sometime, but let me tell you I wepttttttt

-Anyhow, once the appraisal is good and you’re pretty sure the deal is going through, you gotta get insurance. call a bunch of places, figure out what coverage you need, see if it’s cheaper or easier to put car/life/etc in the same place. You have to have insurance if you have a home loan - basically the bank owns the house, so it’s in their interest to have it covered in case of disaster.

Closing

-I’m going to be quick on this, because it’s super technical and I only kind of understand it. -Closing is basically the day where you sign all the paperwork, after which the house is yours! Then you can start moving, renovating, decorating, whatever you want. -One of the things that’s part of closing is the Title and Title Insurance. Basically, you need to pay to have the paper that says you own the house, and then you have to pay for insurance on that piece of paper. Why. IDK.  -At this point there’s so many random fees and charges, I just kind of looked at the totals and made sure nothing was way out of range of what I expected.  -A few days before closing, you should have the following: 1. receipts/evidence from any fixes made to the house or a re-inspection report 2. Closing disclosures, which basically means any information that’s attatched to the deed for the home. This can include unpaid property taxes, any weird liens on the property, any easement agreements with neighbors you should know about, etc. 3. All the paperwork you will sign! -It is in your best interest to read ALL OF IT if you can. (the title person was surprised I’d read mine, which I found super worrying lol) -If you are buying a house by yourself, you will not BELIEVE how many times you will read “Jay, A SINGLE PERSON, is buying a house ALONE AND BY THEMSELF, as a SINGLE UNMARRIED ALONE PERSON” Very judgy. What are you, my grandma? -One thing about disclosures—it’s up to your title company to do research on weird shit that might be attached to your property. You can technically choose your title company, but I wouldn’t not recommend looking for the cheapest option if the company doesn’t have much of a track record. I had an issue come up with a payment the seller owed that was delayed, and my title company had to be the one that caught that. My friend and his husband got in trouble because some seller 5 years ago didn’t pay property taxes, and so the IRS came for THEM. The title company should have caught that before they closed and had it dealt with. They won’t end up paying it, but it’s a huge pain and they have to argue with the IRS which is never fun. -On closing day, you’ll do a final walk through with your realtor. This is your last chance to bring up any issues! You DEFINITELY want to do this walk through. If the seller left the door unlocked and an entire family has taken up residence in the living room, you need to know! If the contractor they hired to fix the plumbing knocked a new whole in the wall, you need to know! Don’t expect that the seller will tell you about any new issues that they caused. -This is your last chance to say “Hey, there’s a new major issue that wasn’t reporting, i ain’t signing shit until we re-negotiate” -If you find yourself in this situation (hopefully you won’t!) PLEASE don’t be afraid to say something! Don’t worry about how much time and money has already been put into it, or about calling out a seller who is acting in bad faith or fucked somethign up. This is your house! It matters! And your realtor should have your back. -But most of the time, the final walk through is fine! Then you go somewhere to sign all the paperwork. If you’re like me and have 3 different types of DPA, it will be two giant folders worth of paperwork.  -Once you sign the paperwork with the Title Company, they’ll put the paperwork through. After that happens, the bank should transfer the whole ass agreed amount to the seller. Also, if your DPA is in the form of other smaller loans from other sources, those should be paying to the seller at the same time. -in MY case, one of my DPAs took 3 hours to process for some reason, so I had the most anti-climactic closing ever. I signed everything, waited for an hour and a half, and then they were like “you can go, we’ll email you when you officially own the house” So I just awkwardly hung around and ate pancakes until I got the email. -Let’s say you have a relative who wants to help you out with your downpayment (Yay! Every little bit counts!) Or let’s say you’re living with someone who doesn’t want the house to be in their name, but they want to contribute to these initial costs. You’ll want to talk to your lender about this as soon as you know about it. There is special paperwork for “gifts” that basically let’s it go directly to you downpayment but it doesn’t count towards your income. So if Grandma Bob says “I got $10K for you” and you just deposit the check in your account and plan to pay $10K more in earnest money, that will suddenly look like you have $10K more money to your name, so might change how your loan and DPA shake out. But if you get Grandma Bob to sign a particular document and give you a certified check, you can just give that right to the Title person and it goes right to making your downpayment bigger, therefore making your loan smaller! Thanks Grandma Bob! -”Cash to close” is essentially what you are paying at closing via all sources. So that’s your downpayment (including all assistance) any gifts, your earnest money, etc. Sometimes you have additional closing costs. They may be covered by DPA, or you may be on the hook to write an additional check. You’ll know this in advance. -Hey, check it out, you own a house now! -(keep all your paperwork0 -They’ll give you a document you have the file with the city called Homestead filing, basically telling the city that you own a house and you live there.

NOW WHAT?

-Now I’m done telling you things. Feel free to DM me if you want to talk more, but also talk to professionals in your region who know things. -I started writing this post before I closed in July 2023. It’s now mid-November, and I’ve been living here for 3 months. Here’s some stuff I’ve learned that might be helpful: 1. It’s good to know what kid of walls you have (drywall vs. plaster and lathe, etc) because that determines how you can hang things on them. Also if you have plaster walls, just get a cheap magnetic stud finder. The fancy electronic ones often don’t work 2. It’s good to have a drill. It just is. 3. If there’s a big project you need done (say your garage is too short for your goddamn car), you may qualify for a home improvement loan from the same kind of orgs that give DPA. I’m doing it just because I don’t want to drop $3K in one go. Technically I have 4 years to pay it off, but I’m going to make larger monthly payments and pay it offer quicker than that.  4. We can talk about contractors and permit and zoning all day. Suffice to say, it’s good to look up who to talk to at the city about construction permits, and they can be both incredibly confusing and very nice. Often at the same time. 5. If you’re gonna have a roommate or partner or non-child family member who is paying you monthly to help with the mortgage, DRAW UP A LEASE. You want shit in writing, and they have rights as tenants that need to be respected. Many a relationship has been saved by PUTTING SHIT IN WRITING. (there are templates you can find) 6. FEELINGS: People always tell you “You won’t know how you feel about X until you do it.” Getting a dog, moving away from your folks, living with a partner, whatever. I am here as an old man to tell you, they are right. I had no idea I would have such BIG FEELINGS about this lil old house. When I come home and my roommate has the lights on and it has a glow, I feel so much that sometimes I cry! Setting things up, making decisions about organization, learning how to be in my space, means so so much more to me now than it ever did when I was renting. The stress is greater, too, because I have to make all the decisions! It’s exhausting! But every day in my house I am so happy to be here, I’m so glad my other offers weren’t accepted, because this is the best of the houses I looked at. It is my 117 year old baby and I love it forever.

Also I never want to do this again lol I’ve decided to die here.

[beardedmrbean]

An online ad featuring an artificial intelligence-generated version of Scarlett Johansson without her permission appears to no longer be online following a request from the actor’s attorney.

Lisa AI: 90s Yearbook & Avatar allegedly used actual footage of Johansson from a campaign she did in conjunction with Omaze, a for-profit fundraising company that often partners with celebrities, and Marvel Studios, according to Variety. 

NBC News has not viewed the advertisement. It appears to no longer be on X, where it originated.

“We do not take these things lightly,” Kevin Yorn, Johansson’s attorney, said in a statement. “Per our usual course of action in these circumstances, we will deal with it with all legal remedies that we will have.”

The advertisement first began to bubble up on X around Saturday. Text under the advertisement read, “Images produced by Lisa AI. It has nothing to do with this person,” according to Variety.

Lisa AI is one of a number of AI apps that have flooded the market in recent months. It lets users “create amazing artworks with AI,” including text suggestions that produce images, its website says. As of Wednesday night, the app appeared to be available on both Google’s Play Store and Apple’s App Store.

Representatives for Lisa AI did not immediately respond to a request for comment. 

Johansson is the latest celebrity to take issue with the alleged misuse of her likeness in AI, as deepfakes — a type of artificial media in which people’s faces are replaced with those of other people — and the technology behind them becomes more sophisticated.

Actors have also been sounding the alarm about AI images for some time. The digitally altered images have been a sticking point in the negotiations between the Hollywood studios and SAG-AFTRA, the actors’ union, which is on strike. 

Last month, actor Tom Hanks posted on Instagram that he had “nothing to do with” a computer-generated image of him “promoting some dental plan.” Zelda Williams, the daughter of the late actor/comedian Robin Williams, called the AI recreations of him circulating on the internet “personally disturbing.” And YouTube star Jimmy Donaldson, who goes by Mr Beast, also shared with his millions of followers that a deepfake advertisement using his likeness was a scam. The advertisement he posted about was quickly removed from TikTok.

[theres-whump-in-that-nebula]

I hate researching occult and spiritual stuff in general because everywhere you look for information is rife with people into it as a gimmick who use fancy words but do not explain what the fancy words mean, or how anyone arrived at the conclusions they seem to be jumping to; and it’s also rife with people trying to scam the very soul out of their viewers.

“There is a book banned by the church which says there are three types of humans………” and then he never says the name of the book in the short. When you scroll in the comments, the first one pinned is his own comment: a promotional code to buy a book HE WROTE. Like wow you’re not even trying to be convincing at this point. Shut the fuck up and get a real job💀💀

I don’t want your pseudoscientific, pseudospiritual, phrenological, appropriated nonsense; I want diagrams and manuals. I want source material. I want to talk to a ghost. I want to behold the other side and see if it’s even there.

Okay so one thing I have consistently seen in videos of people documenting paranormal activity is the use of an EMF detector, because whatever it is we perceive as ghosts or spirits causes spikes in electromagnetic activity. I am inclined to believe this more than most things I see on the internet because it is so consistent; so now I have an EMF detector. Groovy. Now onto protection…

“Black tourmaline absorbs EMF radiation; so wearing this bracelet will protect you from harmful electromagnetic frequencies which some people find helpful during ghost hunting.” Ooookayyy so by that logic, if I wear a lead bracelet to a dental X-ray, the lead bracelet will draw the harmful rays away from my chest and into my wrist? That’s not how physics works. Radiation is a field, which is the reason why you wear a whole lead bib when you get your teeth X-rayed. Lead absorbs radiation, but it does not draw it away; it is a shield. Furthermore, dentists do not make bibs out of black tourmaline for people to wear while they look at their teeth.

Ergo: If you want to protect yourself from the ghostly hand of influence in the form of EMF radiation — assuming EMF radiation spikes aren’t a pop culture gimmick common to alleged haunted houses, created by cooking ramen noodles in a microwave in a hidden room — the best course of action would be to wear a lead vest to your seances; because

1.) lead is PROVEN to block radiation, and 2.) a vest of lead would block this radiation from meddling with your vital organs.

Why isn’t anyone advocating for those looking to the occult to wear lead vests during seances for protection? Because they’re ugly and don’t match the Witchy Aesthetick™ companies appropriated and are now profiting off of far and wide. A lead vest is not as marketable or “natural” as black tourmaline. And let’s be honest, many many people who get into the occult nowadays are doing it to look cool or be cool because they feel as if they are boring, with gigantic holes in their self-esteem, and don’t know how else to fill them in any other way than playing into trends deemed “edgy” and “in-style” and making it their whole personality. (If you are not one of these people; then I am not talking about you. I am talking about other people. For the love of god I’m not pissing on the poor. Please.)

Also, the majority of the online witch space is filled with white people messing with other people’s cultural practices as a sort of game; which obviously impacts the credibility of the information these witches present, as well as other, worse things which I don’t even need to mention… New Age spirituality is to the cultures its practices were taken from as Taco Bell is to genuine Mexican cuisine. It can be nice and may very well work as intended but it lacks the depth and reasoning of the original.

Not to say new-age is all bad; it isn’t. There are just so many people who don’t care what something is, where it came from, or why they’re using it because “witchy” and “hippie” are hot on the market these days. It’s frustrating. That’s all.

[jacksope-lives]

"46. …out of envy or jealousy"

with Jenny and Michelle!

Thank you, Tina, for putting me on Yuri duty. I will serve you well.

46. ...out of envy or jealousy

Jenny loved to look at her wife. If it were up to her, she’d just spend all day doing that, kicking her feet in the air and doodling Michelle’s name with hearts all around it like she was some preteen girl with a celebrity crush. And honestly, Jenny probably could have done that. Considering how wealthy her family was, and how many of them didn’t seem to have jobs outside of complaining about the state of the world, she wouldn’t have even been odd among her family. But Jenny also knew better than that.

Ever since her and Shelly had recovered their relationship, the importance of space between the two of them had been emphasized and Jenny wanted to respect that, even if it killed her. And besides, she liked being a dental hygienist, so it wasn’t like it was the worst thing in the world. So Jenny would go to work and Michelle would stay home, working on her art. It was the best part of Jenny’s day to come home and see what Michelle had been up to, make tea for the both of them as Shelly talked happily about her work.

It certainly didn’t hurt that Shelly was an amazing artist, and one who made a not insignificant amount of money selling her work. Of course, just like with Jenny’s job, it wasn’t like they needed the money, but Michelle was always so proud when she talked about it. To be honest, Jenny was a little bit jealous. Not of Michelle’s talent, that wasn’t the case at all. In fact, before she’d even seen Michelle, Jenny had fallen in love with her writing and art. No, Jenny was jealous of how many people were moving in.

“Can you believe they want to show my art in an exhibition?” Michelle had gushed as she finished reading the invitation to the gallery. Jenny was in the kitchen, waiting for her latest batch of candy to cool while she wrapped the ones that were already done. She smiled to herself thinking about how happy this made Shelly, but frowned thinking about how busy Shelly would be at the event.

“Sounds like it’ll be a great time, I’ll take the time off of work, so I can be there,” Jenny said, and she knew that during the night of the gallery her main goal would be to ensure every knew that her incredible, talented, and beautiful wife was one hundred percent off the market. When the night of the event did come, Jenny had the pleasure of watching Michelle get all dolled up, her hair and makeup perfect and her relatively simple but body hugging silk turquoise dress offset by beautiful gold jewelry.

“How do I look?” Michelle had asked when she was all done getting ready, and Jenny struggled to keep her jaw off of the floor.

“Drop-dead gorgeous as always,” Jenny swore. When they arrived at the event, Michelle standing near her displayed work, it was clear Jenny wasn’t the only one who thought so. Mixed in with questions about her art were constant statements about Michelle’s beauty. Jenny, who did her best to stand off to the side and avoid ruining Michelle’s moment, was fuming as the thing dragged on.

“Thank you for fielding so many questions,” one of the reporters said as the event wound down. “Say, let me give you my number, so we can stay in touch when the article releases,” the man said, and Jenny wanted to slug him right then and there. “Oh, there’s just one last thing, can I get a picture of you with the art? Something for the front page,” he explained as he readied his camera.

“Of course,” Michelle said as she moved to stand near her largest painting, and now Jenny knew it was her chance as she casually slipped close to Michelle, wrapping her arm around her waist and gently dipping her into a kiss. It was gentle, nearly chaste, but it contained all the jealous energy Jenny had been building up all night. “Jenny, what’s gotten into you?” Michelle asked teasingly, stars in her eyes from the unexpected affection.

“I just…couldn’t help myself,” she asserted as she saw the camera guy walking away, seemingly having gotten his shot. Jenny happily claimed victory for herself, and was rewarded for her valiant effort with Michelle pulling her down into another kiss.

[verycolorpirate]

Acrylic keychain

What if there was a quick, affordable way to put your company's name in front of potential clients numerous times a day? What if you could almost ensure that your customer would see your message wherever they went? Custom acrylic keychains actually work like way; it's not just a marketing fantasy.

 Numerous Opportunities for Promotion

There are many opportunities in the retail industry to give your clients one of these innovative promotional items. With car washes, dealers, auto parts shops, or any other business focused around cars, keychains are a surefire hit. When trouble arises, people will immediately think of your store. A keychain with your contact information on it is even better so that you may always have access to it.

You don't have to work with cars, of course. can use keychains into your marketing strategy. Garden centers might hold a tomato growing competition and award the winners with ingenious keychains in the shape of tomatoes. The owners of all participating pets might get a goody bag filled with dog treats, toys, and a unique keychain if pet businesses sponsored a spay and neuter clinic.

Not just retail establishments profit from this type of marketing, though. Consider the neighborhood insurance agent who promotes safe-driving events at nearby high schools and provides a personalized keychain to each attendee. When it comes time to look for auto insurance, you can probably guess whose name is at the top of the list. Or the dentist who gives parents a keychain as a gift during National Children's Dental Health Month in February. Not this Not only emphasizes the key message that dental care is a crucial component of their child's health, but also acts as a continual reminder to make that next visit.

 Get inventive with your offer to motivate clients to keep and utilize your keychain to increase exposure and brand awareness. Give your tomato enthusiasts a free tomato plant for the upcoming season, for instance, when they gift this year's keychain. If the young people who attended your safe-driving event bring their keychains into your office, you may offer them a discount on their vehicle insurance. Your business will become even more recognizable if you incorporate an interactive element into your offer. Additionally, delighted clients will readily discuss their interactions with your company and display their fortunate keychain as well. Appropriate for All Brands

 Keychains come in a wide range of designs to match every brand. An exquisite metal duplicate of your brand for luxury retail establishments demonstrates your sophistication. The usefulness of a clear message, whether it's a crucial phone number or a kind reminder to make an annual visit, will be valued by medical offices. friendly surf shop? Your personality will stand out in bright colors and amusing artwork. Any trademark or design, from traditional polished brass to intricate multi-color graphics, can be reproduced in a metal keychain.

Look for manufacturers who use premium materials and provide excellent customer service when selecting a keychain seller. The cost of design services, professional color matching, and your choice of attachments should all be covered. When It only makes sense to get the highest quality keychains available when you take into account that your clients will probably wear them for many years to come.

 Vograce supplies custom stickers that can be made in any shape and pattern with good adhesion, fast delivery and favorable price. We make customized stickers at your will. Our custom stickers include die cut stickers, Washi Tape, vinyl stickers, holographic stickers, glitter stickers, clear stickers, etc. Learn more

[jobsacademyonline]

Become a Skilled Caregiver with JobsAcademy’s Patient Care Course in Alappuzha

The need for trained healthcare workers proliferates in the modern world, especially in the patient care sector. Caretakers with compassion and ability are more in demand than ever due to the aging population and the increase in chronic illnesses. The Jobs Academy Patient Care Course in Alappuzha is the ideal way to begin a fulfilling career if you hope to work in the healthcare industry and truly impact people’s lives.

Why Choose a Career in Patient Care?

Patient care workers are essential to the healthcare system and provide practical assistance to patients in clinics, hospitals, and home care settings. The work involves more than just helping with everyday duties; it calls for empathy, effective communication, and a thorough knowledge of healthcare procedures. Many people find that giving comfort and respect to those in need is a calling rather than just a job when they provide care.

The demand for qualified individuals in the healthcare sector is rising in India, particularly in areas like Alappuzha. Being a competent carer opens doors to many jobs in the public and private healthcare industries, whether you’re a recent graduate or looking to change careers.

About Jobs Academy Advanced Course

Jobs Academy offers a wide range of adaptable upskilling options via in-demand certification programs. The course modules’ live industry projects, industry-relevant course material, practical projects, and lectures from industry experts ensure long-term professional success. Our students also receive lifetime career counselling and help with job placement.

Course Length: The program lasts six months, with four months of intense training and two months of an internship. In total, there are 360 hours of learning. This mix of theory and practical experience will make you feel fully ready to take on the carer job with confidence.

Why choose Jobs Academy

NSDC Certification: Recognized across the healthcare industry.

Triple Certifications: General Duty Assistant Advanced, Emergency Care Assistant, Dental Assistant.

Hands-on Learning: Balance between theory and practical classes.

Guaranteed Success: 100% placement assistance.

Proven Track Record: Over 1000+ candidates trained and placed.

Cutting-Edge Courses: Designed with the future in mind and perfectly aligned with current job market demands.

Welcome Kit: Start your journey with all the essentials from day one.

Learn Guarantee: Our commitment to your success—gain skills or your money back!

State-of-the-Art Labs: Learn in well-equipped, Government of India-accredited laboratories.

Earn While You Learn: Get 100% of your fees back with our earn-as-you-learn model.

Lifetime Learning: Continuous support and learning opportunities, long after the course ends.

Flexible Financing: Easy loan options to help you focus on your studies, not your finances.

Why Alappuzha?

Alappuzha is well-loved for its scenic beauty and is also becoming an excellent place for quality education and professional courses. Studying in Alappuzha offers a lovely atmosphere that enhances your educational journey. Moreover, the area provides plenty of chances for internships and job placements in hospitals, clinics, and caregiving facilities, making it a fantastic spot to kick off your healthcare career.

Career Prospects After Completing the Course

You will have a variety of options in the healthcare sector after completing the Jobs Academy Patient Care Advanced Course. A high need exists for carers in:

Hospitals: Alongside nurses and physicians, patient care assistants frequently help ensure patients are comfortable and receive quality care.

Nursing Homes: As the population ages, there is an increasing demand for carers in long-term care settings.

Home Healthcare: Since many patients would rather receive treatment in the convenience of their own homes, carers have more opportunities to provide home healthcare services.

Rehabilitation Centres: Carers assist patients in recuperating from operations, diseases, or accidents, and they play a critical part in rehabilitation.

How To Enrol in JobsAcademy’s Patient Care Course?

It is easy to start using Jobs Academy. You can get into this popular course by attending the Jobs Academy Alappuzha centre or applying online. New graduates and workers who want to improve their skills can get in.

Conditions for Eligibility: Those who want to take the course must have finished their higher secondary education (12th grade) or something similar. People who love helping others and want to change their lives should apply.

Why Wait? Start Your Healthcare Journey Today!

Enrolling in the Patient Care Advanced Course at Jobs Academy in Alappuzha is a beautiful first step towards a rewarding and stable career in the healthcare field. With a thorough curriculum, practical training, and knowledgeable faculty, you’ll be ready to embrace your new role as a skilled carer.

The healthcare industry truly needs caring and well-trained carers now more than ever. Make sure to seize the chance to create a fulfilling career that truly enhances the lives of others.

Are you excited to make a leap? Come and join JobsAcademy’s Patient Care Advanced Course today and begin your exciting journey to becoming a skilled career!

Resources - https://bit.ly/4eFEM4q

[peoplesuniversitybhopal]

Exploring Top Educational Institutions in Bhopal: People's University Leading the Way

Bhopal is the capital city of Madhya Pradesh, emerging as an up-and-coming education hub in central India. The city harbors many elite institutions offering courses in a wide array of disciplines. Among these, People's University is one of them with several programs running under the banner of health sciences, management, engineering, and hospitality. This article tries to discuss some of the best dental colleges in Bhopal, emerging MBA programs, M.Tech, and the best hotel management colleges in the city with a special focus on People's University.

Top Dental Colleges in Bhopal

People's Dental Academy is one of the best dental colleges in Bhopal and affiliated to People's University. There has been very high plus levels of interest in dental education in Bhopal. Several institutions offer state-of-the-art facilities with quality education.

This dental college has state-of-the-art infrastructure, able faculties, and an emphasis on theoretical knowledge as well as skill development. The undergraduate BDS and postgraduate MDS programs are offered here, which are designed to provide comprehensive learning of dental science and skill training in the clinics. The institution has been recognized for its research in dental care as well as the promotion of community-based outreach programs for improving the learning of students.

MBA Colleges in Bhopal

Management education in Bhopal is in demand. It is the training ground of professionals who can confidently cross the competitive field of business that currently exists. Among the several best MBA colleges in Bhopal is People's Institute of Management & Research (PIMR).

PIMR provides an MBA program which is a combination of theory and practical exposure, making students ready for any corporate sector be it finance, marketing, operations, or human resources. The college nurtures overall development by encouraging internships, industrial visits, and guest lectures by experts. The pass outs from PIMR are well-equipped to hold managerial positions in both corporate and entrepreneurial ventures.

M.Tech Colleges in Bhopal

People’s University is a M.Tech college in Bhopal that provide quality technical education to young aspiring engineering candidates, and students can find such advanced technical education programs. The People's College of Research & Technology is another college under the People's University. This one stands out to be one of the best colleges offering postgraduate engineering courses.

Courses in M.Tech, PCRT offers students multiple specializations that range from Civil Engineering, Computer Science, Mechanical, and Electronics & Communication. Providing students with depth training through a research emphasis is coupled with cutting-edge laboratory facilities. PCRT engineering focuses on innovation and industrial collaboration. It gives the students the capability to take technological impacts to a global level.

Top Hotel Management Colleges in Bhopal

The hospitality industry is booming, and Bhopal is no exception to this rule. For all those willing to make a career in the field, People's University offers one of the best hotel management college in Bhopal. People’s Insititute of Hotel Management deliver a well-rounded curriculum which depicts theoretical knowledge accompanied by practical skills in food production, front office operations, housekeeping, and event management.

With fully functional training kitchens, mock reception areas, and industry partnerships, students get hands-on exposure in everything about hospitality management. Their graduants are perfectly well-prepared to take on jobs in hotels, restaurants, cruise ships, and other hospitality-related industries in India or abroad.

People's University: A Holistic Educational Hub

People's University at Bhopal is one among the few institutions that stand tall in providing a good number of academic programs. Be it dental science, engineering, management, or hotel management, People's University offers a perfect ambience for learning, research, and professional growth.

The infrastructures so modern, focus on industry-relevant skills, and commitment to innovation will continue leading higher education through People's University in the city of Bhopal. Whether you are looking for the best dental college in Bhopal, top-class MBA college, M.Tech program, or the best hotel management college, here People's University delivers quality education and nurtures the leaders of tomorrow.

Conclusion

Bhopal is placed at some specific institutions among the top institutions in India where the best are given and innumerable variations of the various disciplines that can be offered, from dental sciences to management courses, etc. People's University has the best caliber faculty across disciplines in the following areas: dental sciences, management, engineering, and hospitality. It continued to remain the first choice among the students who wish to gain the best education in Bhopal with excellent faculty, cutting-edge facilities, and industry partnerships.

[amtraininginstitute]

Unlock Your Dental Career: Online Clinical Dental Assistant Training

In today's rapidly evolving job market, pursuing a fulfilling career has never been more accessible. One of the most rewarding professions is becoming a Clinical Dental Assistant (CDA), and with the advancement of online learning, it’s now easier than ever to get the education needed to enter the field. Online Clinical Dental Assistant training offers flexibility, affordability, and comprehensive education to help aspiring professionals launch a successful career in dental healthcare.

What Does a Clinical Dental Assistant Do?

Clinical dental assistants are essential members of the dental team, working closely with dentists and dental hygienists to deliver quality oral healthcare. Their responsibilities include preparing patients for procedures, assisting during treatments, sterilizing equipment, and taking x-rays. Additionally, they manage administrative duties, such as scheduling appointments and updating patient records.

Why Choose Online Training?

Flexibility: One of the primary reasons many students opt for online clinical dental assistant training is its flexibility. Traditional, in-person programs may require a fixed schedule, but online courses allow students to learn at their own pace. This is especially beneficial for those balancing work, family, or other commitments.

Affordability: Online programs tend to be more affordable than on-campus courses, as they eliminate costs associated with commuting, housing, or campus fees. Many programs also offer financial aid or payment plans, making it more accessible for a wide range of students.

Comprehensive Curriculum: Despite the online format, most programs offer a robust curriculum that mirrors in-person training. Students can expect to learn about dental anatomy, infection control, radiology, patient management, and dental office procedures. Many online programs also include externship opportunities at local dental offices, giving students hands-on experience and practical skills.

Self-Paced Learning: Unlike traditional classroom settings, where students must adhere to a set timeline, online programs often allow students to move through the material at their own pace. This approach caters to individual learning styles, allowing students to focus on challenging topics while advancing quickly through areas they may already understand.

What to Expect from an Online Clinical Dental Assistant Program

Interactive Learning Environment: The best online programs integrate multimedia content, including videos, animations, and interactive simulations, to replicate the experience of working in a dental office. Many programs also provide access to virtual labs, where students can practice techniques in a simulated environment.

Supportive Instructors: While online training offers flexibility, students are not left to navigate the program alone. Many programs feature experienced instructors who provide guidance, feedback, and support throughout the course. Live chats, discussion forums, and email support ensure that students can ask questions and receive assistance as needed.

Externship Opportunities: Most quality programs partner with local dental offices to offer externships. These hands-on training experiences allow students to apply what they’ve learned in a real-world setting, gaining practical experience in chairside assistance, patient interaction, and office management.

Certification Preparation: A key advantage of online clinical dental assistant training is the preparation it provides for certification exams. Graduates of these programs are often eligible to take the Dental Assisting National Board (DANB) exams, which can lead to Certified Dental Assistant (CDA) credentials. Having this certification enhances employability and demonstrates a commitment to excellence in the field.

Career Outlook for Clinical Dental Assistants

The dental industry continues to grow, and the demand for skilled dental assistants is on the rise. According to the U.S. Bureau of Labor Statistics, employment of dental assistants is projected to grow by 8% from 2021 to 2031, faster than the average for other professions. This growth is driven by an aging population and the increased need for preventive dental care.

Graduates of online clinical dental assistant programs are well-positioned to take advantage of this growing demand. With their skills and training, they can pursue positions in dental offices, specialty clinics, public health settings, and more.

Conclusion: A Path to Success

Choosing to enroll in an online Clinical Dental Assistant training program offers a flexible and efficient way to start a rewarding career in dental healthcare. With comprehensive education, hands-on training, and opportunities for certification, students can confidently enter a field that not only provides job security but also allows them to make a real difference in people’s lives. Whether you're just starting your career journey or looking to make a change, this online program can open the door to a fulfilling and stable career.

check out our site for more details. 

certified phlebotomy technician in west des moines

Online Clinical Dental Assistant Training

[medicalcodingwayanadblog]

WHAT IS THE ELIGIBILITY TO STUDY MEDICAL CODING AND MEDICAL BILLING COURSE?

Medical coding and billing Course is an essential part of the healthcare industry, responsible for translating medical procedures and services into codes for billing and reimbursement purposes. With the ever-increasing demand for healthcare services, there is a growing need for trained professionals who can accurately code and bill medical services. Transorze Solutions is a leading institute that offers comprehensive training programs in medical coding and billing, equipping individuals with the skills and knowledge necessary to excel in this field.

Transorze Solutions is a pioneer in the field of healthcare training and education, with over a decade of experience in providing high-quality training to individuals and organizations. The institute offers a range of courses in medical coding and billing, catering to both beginners and experienced professionals. These courses are designed and delivered by industry experts, ensuring that students receive up-to-date and relevant training.

One of the key benefits of enrolling in Transorze Solutions’ medical coding and billing programs is the hands-on training provided. Students are given access to industry-standard coding software and taught how to use it effectively. This practical approach to learning allows students to gain real-world experience and be job-ready upon completion of the course.

Transorze Solutions also offers a flexible learning environment, with both online and classroom-based training options. This allows students to choose the mode of learning that best suits their schedule and preferences. The institute also provides placement assistance to students, helping them secure employment opportunities in top healthcare organizations.

The curriculum of Transorze Solutions’ medical coding and billing courses is regularly updated to keep up with the changing trends and regulations in the healthcare industry. Students are trained on the latest coding guidelines and techniques, ensuring that they are well-prepared to meet the demands of the job market. The courses cover a wide range of topics, including medical terminology, anatomy and physiology, coding systems, insurance billing and reimbursement, and healthcare laws and regulations.

In addition to the technical skills, Transorze Solutions also focuses on developing soft skills such as communication, time management, and teamwork. These skills are crucial in a healthcare setting, where professionals are required to work closely with patients, physicians, and insurance companies.

Transorze Solutions has a team of experienced and certified instructors who provide personalized attention to each student. The small class sizes ensure that students receive individualized support and guidance throughout their training. The institute also offers refresher courses and continuing education programs for professionals looking to upgrade their skills and knowledge.

Medical coding is a rapidly growing field in the healthcare industry. It involves the transformation of medical diagnoses, procedures, and services into universal alphanumeric codes for accurate billing and record keeping. As the demand for medical coding professionals continues to rise, many individuals are interested in pursuing a career in this field. However, before enrolling in a medical coding course, it is important to understand the eligibility requirements. The eligibility for a medical coding course at Transorze Solutions is a degree.

Apart from medical coding and billing, Transorze Solutions also offers training in other healthcare-related fields such as medical transcription, medical scribing, and medical billing and coding for dental practices. This makes it a one-stop destination for individuals looking to build a career in the healthcare industry.

Transorze Solutions is a reputable institute that provides comprehensive training in medical coding and billing. With its practical approach to learning, flexible training options, and experienced instructors, the institute prepares students for a successful career in this fast-growing field. So, if you are looking to enter the healthcare industry or upgrade your skills, Transorze Solutions is the place to start.

VISIT OUR WEBSITE :

[kathansky]

E-pharmacy Market: Size, Share & Growth | 2024-2031

E-pharmacy Market Overview: A lot of factors, such as geographic growth, segmentation, and market size by value and volume, are taken into account in the SkyQuest Technology Group research to provide a full and accurate analysis of the global E-pharmacy market. This outstanding research study was created specifically to provide the most latest data on significant aspects of the global E-pharmacy Industry. Numerous market estimates are provided in the analysis, including those for market size, output, revenue, consumption, CAGR, gross margin, price, and other critical factors. The best primary and secondary research methods and tools on the E-pharmacy market were used to build it. Numerous research studies are included in it, including ones on pricing analysis, production and consumption analysis, company profile, and manufacturing cost analysis. The competitive environment is a crucial element that every key factor needs to be aware of. The study explains the market's competitive landscape so that readers may gauge the degree of both domestic and global rivalry. Additionally, market researchers have provided summaries of each significant firm in the global E-pharmacy industry, taking into consideration crucial elements including operational areas, production, and product portfolio. When analyzing the organizations in the study, significant factors including business size, market share, market growth, revenue, production volume, and profitability are also taken into account. The study report uses both qualitative and quantitative data to offer a thorough view of the market. It examines and forecasts the global market in a number of critical industries. The research provides a thorough overview of the industry by segmenting the E-pharmacy market into groups based on application, end-user, and location. A thorough research of each market segment was conducted, taking into consideration current and upcoming market trends.

E-pharmacy Market size was valued at USD 52 billion in 2022 and is poised to grow from USD 62.14 billion in 2023 to USD 308.8 billion by 2031, growing at a CAGR of 19.5% in the forecast period (2024-2031).

Chance to get a free sample @ https://www.skyquestt.com/sample-request/e-pharmacy-market  Detailed Segmentation and Classification of the report (Market Size and Forecast - 2031, Y-o-Y growth rate, and CAGR): The E-pharmacy Market can be segmented based on several factors, including product type, application, end-user, and distribution channel. Understanding these segments is crucial for companies looking to target specific markets and tailor their offerings to meet consumer needs.

Drug

Prescription Drugs, Over-the-Counter (OTC)

Product Type

Skin Care, Dental, Cold, Flu, Vitamins, Weight Loss, Others

Get your Customized report @ https://www.skyquestt.com/speak-with-analyst/e-pharmacy-market 

Following are the players analyzed in the report:

DocMorris

Medlife International Pvt. Ltd.

Walmart stores

CVS Health Corporation

Walgreen Co. (Walgreens Boots Alliance, Inc.)

Rite Aid Corporation

Amazon.com, Inc.

The Kroger Co.

Rowlands Pharmacy

Netmeds Marketplace Limited

1mg Technologies Private Limited

Walgreens Boots Alliance, Inc.

Chemist Warehouse Group

Apollo Pharmacy

LloydsPharmacy Limited

Zur Rose Group AG

Walgreens Boots Alliance, Inc.

SHOP APOTHEKE EUROPE N.V.

SANICARE Group

Phoenix Group Holdings

Motives for purchasing this report- - A full understanding of customer experiences, upcoming trends, and growth drivers may be obtained by market category analysis. - E-pharmacy Market participants will be able to quickly decide on their course of action in order to achieve a competitive advantage thanks to the essential information provided in this area. The factors affecting the sales prospect are carefully examined by SkyQuest Technology Group across several important categories. - Analysing market categories can provide detailed insights into consumer experiences, upcoming trends, and growth-promoting factors. A thorough analysis of market manufacturing trends is a crucial component of the study. -These observations offer crucial information on the ways in which market participants are reacting to the most recent developments that are oversaturating the market. -An in-depth analysis of the numerous organic

Buy your full Market Report now: https://www.skyquestt.com/buy-now/e-pharmacy-market  FAQs:

1. What are the main vendors' points of strength and weakness?

2. What are the primary business plans of the leading important players for the near future?

3. What will the market size and growth rate be for E-pharmacy in the upcoming year?

4. Which prevailing global trends are affecting the E-pharmacy market shares of the leading regions? What effect does Covid19 have on the Industry right now?

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Quality Keychains Offer Constant Brand Visibility

Imagine a simple, cost-effective solution that gets your brand in front of potential customers multiple times a day. What if you could ensure that your brand message is seen everywhere your customer goes? This isn't just a marketing fantasy—it's the reality of custom keychains.

Endless Promotional Possibilities

In retail, there are countless opportunities to provide your customers with these clever marketing tools, such as custom acrylic keychains. Keychains are a hit with auto shops, car washes, auto parts stores, or any car-related business. When trouble strikes, your business will be the first one they think of. Even better, include your contact details on the acrylic keychain, so your number is always within reach.

Of course, you don’t need to be in the automotive industry to make custom keychains a part of your marketing strategy. Garden centers, for instance, could host a tomato-growing contest and hand out tomato-shaped keychains to runners-up. Pet stores can introduce a spay-and-neuter clinic, with every participating pet owner receiving a goodie bag filled with treats, toys, and a custom keychain.

It's not just retail businesses that benefit from this kind of marketing, either. Think of a local insurance agent sponsoring safe-driving events at high schools, gifting each participant a custom keychain in bulk. When it’s time to shop for auto insurance, your name will be the first they see. Or a dentist celebrating National Children’s Dental Health Month by gifting parents with an acrylic charm keychain. Not only does this serve as a constant reminder to schedule the next appointment, but it also reinforces an important message—that dental care is an essential part of their child’s health.

Increase Brand Recognition and Engagement

For even more exposure and to build brand awareness, get creative with your giveaways to encourage customers to use and keep the keychain. For example, offer tomato lovers a free plant next season if they bring in this year's custom acrylic keychain. Or provide a discount on auto insurance when the students who participated in your safe-driving event present their keychains at your office. By turning your giveaway into an interactive experience, your brand will become even more memorable. Not only that, but happy customers will gladly share their positive experiences with your business—and show off their cool acrylic keychain at the same time.

Suitable for Any Brand

Custom keychains come in a wide range of styles to fit any brand. For high-end retail stores, a sleek metallic replica of your logo conveys sophistication. Medical offices may appreciate the practicality of a clear message, whether it’s a crucial phone number or a subtle reminder to schedule an annual checkup. Fun-loving surf shop? Bright colors and quirky designs allow your personality to shine through. Almost any logo or design can be replicated on a wholesale custom keychain, from classic polished brass to intricate multi-color designs.

Choose Quality and Service

When selecting a keychain supplier, look for vendors that use high-quality materials and offer excellent service. Design assistance, professional color matching, and a selection of materials should all be included at no extra charge. Considering that your customers are likely to carry your custom keychain for years to come, it only makes sense to opt for the best quality available.

Incorporating Keychains into Your Strategy

Keychains are small but mighty when it comes to promotional power. By customizing them with your brand's logo, contact information, or a clever design, you’re essentially putting a mobile advertisement in your customer’s pocket. And because they are useful, customers will keep and use them for years, providing your business with constant exposure.

Whether you’re running a local shop, an insurance company, or a health clinic, the versatility of custom keychains in bulk makes them an ideal marketing tool. Not only do they provide practical value to your customers, but they also keep your brand at the forefront of their minds. By offering high-quality, creative keychains that align with your brand's image, you’ll ensure that your business stands out—wherever your customers go.

FAQs

Why should I choose custom acrylic keychains for my business? Custom acrylic keychains are affordable, versatile, and offer high customization options to suit your brand. They can easily incorporate your logo, colors, and messaging to ensure your brand is always visible.

How can I order custom keychains in bulk? Many suppliers offer wholesale options for custom keychains, allowing you to purchase in bulk at a reduced cost. This is an ideal option for large-scale giveaways or events.

What is the difference between acrylic keychains and acrylic charms? Acrylic keychains typically come attached to a keyring, making them perfect for everyday use. Acrylic charms are smaller and can be used as decorative items on keychains, bags, or even phones.

Can I include detailed designs on custom keychains? Yes, with advancements in printing technology, you can include intricate, multi-color designs on acrylic keychains that capture your brand’s aesthetic.

Are there eco-friendly options for custom keychains? Some suppliers offer eco-friendly materials such as recycled plastic or metal for custom keychains, which can align with your sustainability goals.

What industries benefit most from using custom keychains? Custom keychains are beneficial for a wide range of industries, including retail, automotive, healthcare, insurance, and education. They work well as promotional items at events, trade shows, or customer appreciation gifts.

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Advancing Dental Care: The Importance of Implant Courses for Dentists

In the evolving field of dentistry, dental implants have become a cornerstone for restorative procedures. As more patients seek solutions for missing teeth, the demand for skilled practitioners proficient in implantology continues to rise. Consequently, implant courses for dentists have emerged as essential educational pathways that not only enhance clinical skills but also ensure high standards of patient care.

Dental implants offer a long-term solution that closely mimics the look and function of natural teeth. However, placing implants requires a comprehensive understanding of various factors, including anatomy, surgical techniques, and post-operative care. Implant courses provide dentists with the necessary training to navigate these complexities effectively.

Typically, these courses cover a range of topics, including the latest advancements in implant technology, techniques for successful placement, and the management of potential complications. Many programs incorporate hands-on training, allowing dentists to practice in simulated environments or under the supervision of experienced implantologists. This practical experience is invaluable, enabling dentists to build confidence before performing procedures on real patients.

Furthermore, implant courses often include modules on treatment planning and patient consultation. Understanding how to assess a patient’s suitability for implants and discussing the procedure, benefits, and risks are crucial skills for any dentist aiming to integrate implants into their practice. These courses also emphasize the importance of interdisciplinary collaboration, encouraging dentists to work closely with oral surgeons, periodontists, and dental technicians to ensure comprehensive care.

Continuing education through implant courses can significantly impact a dentist’s career. Not only does it enhance clinical competencies, but it also opens new avenues for practice growth. As patients increasingly seek out practices that offer advanced restorative options, having implantology training can set a dentist apart in a competitive market. Additionally, many dental schools now emphasize implant education in their curricula, reflecting the growing recognition of implants as a standard aspect of dental practice.

In conclusion, implant courses for dentists are vital for those looking to expand their skill set and improve patient outcomes. As dental implants become more prevalent in restorative dentistry, investing in ongoing education not only benefits the dentist but also enhances the quality of care provided to patients. By staying current with the latest techniques and technologies, dentists can confidently address their patients’ needs and contribute to the overall advancement of dental care.