#filing a life insurance claim

[bhavishyafinancenu]

Your step-by-step guide to filing a life insurance claim?

Death is one of the most painful experiences that anyone may encounter in his life. The positive findings are that there are also costs associated that involve the burden of finance. That burden can be eased a little by life insurance because it pays an amount to those mentioned in the policy. Nevertheless, filing a life insurance claim can appear complicated at this time. The following is a guide to the processes that should be followed while filing a life insurance claim.Ask questions: In case of any clarification or if there is something that you do not understand feel free to contact the insurance company.

[bhavishyaperformship]

Your step-by-step guide to filing a life insurance claim?

Death is one of the most painful experiences that anyone may encounter in his life. The positive findings are that there are also costs associated that involve the burden of finance. That burden can be eased a little by life insurance because it pays an amount to those mentioned in the policy. Nevertheless, filing a life insurance claim can appear complicated at this time.

[champstorymedia]

Roadmap to the Best Coverage: How to Choose the Right Car Insurance for Your Budget

Introduction Choosing the right car insurance can be a daunting task, especially when you’re trying to balance the need for coverage with your budget. With so many options available, it can be overwhelming to figure out which policy is the best fit for you. In this comprehensive guide, we will provide you with a roadmap to help you navigate the world of car insurance and find the best coverage…

[queenerdloser]

my family all finally found out about my car damage (from june lmao) this week since i'm on a vacation with them and while there was less ragging than i thought there would be, it actually reminded me that oh yeah, i have the time and money now to go back to seeing if i can get that fixed lol

[theoverlordmisha]

This is a busy week... mnufc game earlier tonight (they won!), Zach Bryan concert tomorrow night, supervisor huddle on Thursday, Ed Sheeran on Saturday (and thankfully Nashville also won, so no overlapping mnufc game). Plus normal work, which I'm definitely falling behind on mostly because I hate voicemails with a heated passion. But also like, if I start to recognize your number cause you call me multiple times in one day you're going straight to voicemail. Sorry not sorry.

[unicornlamps]

James Somerton measured response summarized

the video is MONITIZED and he opens up with this fact -he has reuploaded all his old videos with monetization as well -says that any money from these videos will be donated either to Hbomerguy's team OR wikipedia and trans lifeline

-he's been reaching out and making apologies to people -says he has made an apology to Jessie gender -admits to calling the police on a local person who he claims had threatened him. James says that this local person is local to him and has a violent record but he filed a police report.

-says that he didn't initially intend to plagerize people - says that he and nick would put in blocks of text into their scripts and then continue writing -due to memory issues James would forget which parts of the script were written by him and which were not -says he has memory issues due to a childhood head injury that also caused him to develop epilepsy

-says that when his mother died, he took over the legal proceedings because his father cannot read or write - the life insurance payment did not go through -James didn't get the insurance payout that he claims his mother wanted him to have in order to make a movie (????) -once the insurance payout didn't come through he decided to start Telos

-openly admits that the reason he would have been able to make a short film with such little money was because he was planning on hiring his former classmates and not paying them union wages

-says that a lot of delays with Telos happened because of him and Nick moving around. -says he's working with a producer now so there should be A Movie Out This Year (Jesus christ) -Claims that he will not be making any money off of this short film he will be releasing

-calls his apology video from December "horrendous" -says that there was a small but dedicated group of people that showed up to his house while he was hospitalized

-says he will post edited videos of his old work that do not feature any plagerized content - is also releasing some videos that he never got the chance to release before everything went to shit -is Also releasing a BRAND NEW VIDEO written "entirely by me" and says it's more of a documentary -wants to make documentaries about gay history -says that misinformation "made its way into past videos" but that it was "never malicious"

-starting a NEW patreon

-says this could have all been avoided if he had stepped away from the channel when his mother died

[lalunanymph]

TOAST TO CLICHES IN A DARK PAST

not even another man's ring on your finger can stop sylus from taking what's rightfully his

warnings: fem!reader, ex-boyfriend sylus, toxic!sylus, mean!sylus, reader is engaged 🤭, cheating, oral s/ex, unprotected s/ex, collars, possessiveness, blank and ageless blogs dni

dawn says: i wrote this with one hand can you tell.... ALSO surprise at the end wbjwhjdkf ;)

“Hey, it’s me.” You can almost picture the scowl on his perfect features. “Let me in.” If patience was a virtue, waiting for another moment must be his vice.

Another sharp rap on the door shatters your peaceful evening. 

“Y/N, I’m here for my things. Open the door.” 

You decide it’s either now or never to get this over with him. 

Standing from the couch, you muster the scariest scowl you can plaster on and answer the door. “I heard you for the first time.” 

Right at your threshold, a 6 feet 2 menace stands clad in his sweatpants and compression black shirt, biker jacket hanging from his tall frame, those vermillion eyes raking up and down your figure, suddenly making you feel too self-conscious. 

You’re in a pair of gray shorts and a tank top, nothing too fancy or scandalous, yet there’s a pressing heat behind his gaze which makes your skin flush like you’re presenting yourself before him in a risque piece of lingerie.

Your mouth curls around his name like it's a cud you can’t wait to spit out. “Sylus.”

He tips his head forward. “Y/N.”

The both of you don’t say a word, and you feel much too exposed. Anyone could pass by and see you speaking to him. The ring on your finger is heavy, and you subconsciously hide it behind your back, not wanting him to see it and comment.

“Nice rock.” Too late. Your scowl deepens and you huff a sigh. 

“You said you forgot your insurance file? That’s not like you.” The sneer that carves your face is nothing in comparison to his smirk.

“I’m here for it and nothing else,” he clarifies, sweeping his gaze over you as he sweeps past you. “Don’t you hope for anything else.”

“Wh—hey,” you trail after him, spluttering indignantly. It’s just like your ex-boyfriend to walk in and claim the space as his own; large build and larger than life personality swallowing all the air in your lungs and in this room. 

He plants his hands on his hips, surveying the newly decorated living room with cool distaste. “Looks like your plan to scrub me clean from your life worked, sweetie,” the nickname drips from his lips with condescension. “It’s so… clinical.”

He’s mocking you. Heat rushes to your cheeks, and your hands clench to fists by your side.

“We love the combination of gray and white,” you say past gritted teeth. “The red-black abomination you had going on was an absolute eyesore.”

“Oh,” he flickers his gaze back to you, completely disinterested. “I see. I guess you didn’t just get engaged to some random schmuck to get back at me.”

The ring around your finger is heavy enough, tempting you to smash it through his mouth. You scoff. 

“You’ve never changed, Sylus. Always mean—always a loser.”

With a single word, you find yourself pushed against the wall, your ex towering over you. The smell of his rich leather and spiced cologne swims in your head, driving you dizzy. Heat engulfs you as his arms come up on either side of your head.

“You know how this works, sweetie,” his smooth, rich tone bathes you in that blessed timber, making a shiver crawl up your spine. “We fight, we break up. You text me, I come over and—”

He’s much too close. Too overwhelming. 

Sylus waits for you to finish his sentence.

“Come on now, kitten,” he purrs. “What is it we do whenever you come crawling back to me?” 

You refuse to answer him, despite the ache spreading right at your core. You huff and turn your face to the side, finding refuge from those searing darkened eyes.

“You can’t do this to me anymore, Sylus. I feel nothing for you.”

“Nothing, huh?” If there’s one thing your ex loves more than this toxic rollercoaster you want no part of anymore, it’s the challenge of getting you back on it. 

“I’m engaged,” you emphasize, a sinking realization of this mistake washing over you. You should’ve never allowed him to come back. 

“This flimsy thing?” He plucks your left hand from your side, a sneer curling on his mouth. “Two weeks. You thought you could replace me in just two weeks?”

“We were friends—”

“He can’t treat you like me.” With the bold declaration, Sylus grows more audacious. He bends his head forward, eyes close and chest rising—inhaling your sugary vanilla body wash straight from your neck. “Can’t put you in your place like I do, sweetie.”

Your eyes involuntarily flutter shut and Sylus takes this chance to pounce on your jugular. “Where’s my insurance file, sweetie? Do you know?”

Vaguely, you recall seeing it in your bedroom. “It’s in ou—my room.”

Sylus doesn’t comment on the slip up, corners of his lips twitching. “Well? What’re you waiting for? Go get it for me, sweetie.”

Your nostrils flare, anger coursing through you. Does this guy think you’re his maid or something? 

“Go get it yourself.”

With Sylus, everything is a game. A struggle for power. He snorts and turns his gaze to the expensive Rolex on his wrist. “When does he get off?” Your ex’s sneer deepens. 

Knowing who he’s talking about, you match his energy with an eye roll. “In a few hours—”

“Don’t roll your eyes at me.” 

Throughout this little bantering session, Sylus never once lost his cool; calm and teasing like the asshole he usually is. This time a flash of anger sears through his tone and you falter, the repressed heat inside you lifting its head to scent the sticky sweet danger clinging in the air.

Warning, the nerves in your body scream. Stay alert.

You shut the voice down, crossing your arms. “Or, what?” You try to mimic him with one brow raised. “What’re you going to do to me?” 

Sylus doesn’t immediately react. That’s why he’s a risk to deal with—one wrong move and you could go falling back into the wolf’s den. He bides his time, staring at the silver rings adorning his slender fingers, knuckles split and bruised from his love of violence in the ring.

“The sooner you get the file for me, the faster I will get out of your life,” he smoothly interjects. “Unless… you want me?” 

He stands up lightning fast, cornering you again with his staggering presence, making you take one step back. 

You touch your throat on instinct, and Sylus chuckles.

“What? Cat got your tongue, kitten?” The use of your favorite nickname sends a wave of heat rising inside of you, the flush warm and demanding on your cheeks. Sylus doesn’t reach out to touch you, but he doesn’t need to if he wants to turn you on. 

One look. A careless brush against the back of your thigh and you’re aching all over.

“It’s been so long, hasn’t it?” A drop of sympathy colors the waters of his deception, and your shoulders loose their stiff edges, walls coming down a fraction. “No one can do those things to you… make you feel like that…”

He’s speaking in riddles and it’s successfully scrambling your mind.

“Sylus—”

“Turn around.” 

You inadvertently raise the stakes by shaking your head.

“What did you do, kitten?” His voice is smooth, but underneath, there’s a zing of livid distaste. Sylus never likes it when you defy him.

His jaw clenches, but he’s focused on the long game. Sylus hums. “Come on. We shouldn’t waste anymore time. Take me to your bedroom.”

The shivers wrack you tenfold and it’s borderline criminal to bring your ex back into the room where you laid with and fucked your fiance. Electricity crackles in the empty spaces, and you try your best to ignore the current sparking on your tongue. 

“Check under the bed,” Sylus suggests, doing nothing but stand by the wall, arms folded. Expecting you to pull the most weight.

You pause, sending him a look of indignation. “Why’re you ordering me around? You do it.”

Instead of adopting a look of contrition or remembering his manners like any normal person would, your psychopath of an ex shakes his head. He starts to shrug off his jacket; enjoys how wide your eyes become when he removes his shirt and tosses it to the ground.

“Sy—” you hiss, but he interrupts you with a raised brow. 

You turn mute, bunching your fingers together in front of you, a curious part of you wondering what he’ll do next—the depths of depravity he will drag you back into. 

“You don’t get it, do you?” He steps closer and closer, pushing you to the edge of the bed where you have nowhere to escape.

“I know you, sweetie. I can sense when you’re excited. I own you. You want this—you want me.” You drop your gaze, suddenly afraid of him looking into your eyes. Sylus tastes of your impending surrender right on the tip of his tongue. Call him a genius or a madman, but nobody can call him ignorant to his girl’s needs.

“I can give you what you want. What you’re craving for.” It’s too much—his presence, his voice, this smoldering heat. You feel like you’re going to combust. 

Without thinking straight, you press your hands flat on his pecs, trying to push him away, but all it does is make him grab your wrists, locking you in place.

“Don’t,” he warns, velvety smooth with his threats. Your white-haired devil of an ex smirks at your wide eyes, and chuckles. 

“Come on, sweetie,” he leans in closer, gathers both your hands in one of his own and tilts your head up to face him. “Look at me—look at me. Come on. Give me a kiss.”

He coaxes you with a gentle nudge, but it’s enough to send a battering ram through your defenses. The tension—so thick that you can cut it with a knife—comes to a jolting deadend and you have no choice but to give in. 

You fold, parting your lips and Sylus goes in straight for the kill.

Hot kisses devour your soft moans, sending shudders all over your skin as goosebumps erupt everywhere; Sylus kisses you with bruising accuracy, hell bent on getting his revenge. 

No one dares to leave him unless he declares it, and you’ve committed the biggest sin out there by throwing away his love. 

He pries your lips apart, plundering his tongue to tap and caress the roof of your mouth, running the tip over your teeth and twining messily with your own tongue; reducing you to sporadic moans and twitches. Encased in his arms, you feel small and helpless, a prey who has fallen right into her beloved predator’s jaws.

“Come here, sweetie.” Sylus plops himself on the edge of the bed, and brings you right onto his lap. You’re woozy and lightheaded when he starts to paw at your shorts, dragging it down—exposing the sweet white cotton hiding his favorite pussy.

Sylus tugs your panties down unceremoniously, and you barely have time to steel yourself when he murmurs, “How dare you say no to me?” 

A heavy hand lands right on your right cheek, jolting you forward. Your cry is part ecstasy, part pain.

It rebounds around the room, echoing your betrayal when he sends another hard spank on your left cheek, following it up with the right one; white heat engulfs you all over and your ass is on fire. 

“That’s it,” he murmurs. “See, sweetie? You’re wet. You’re leaking alllll over my thigh.” He drags the words and your humiliation out, plunging two thick fingers and dragging them through your folds. Sylus dangles his drenched fingers right in front of you and chuckles.

Something hard pokes your lower belly when he shifts you into a seating position, tilting your face up. The look of hunger he wears unhinges the last of your restraints and this time, you’re the one who tugs him by his hair, smashing your mouth hungrily to his.

The wet smacks and muffled groans of lips on lips. Moans. Bodies on fire. You’re rubbing yourself all over him.

Get on your knees, he orders feverishly, grabbing your hair and pushing you down in between his legs. Suck my cock. Go on, kitten. Suck my cock and make me feel good—you know you want to.

You obey him—of course you do. 

You can never forget the taste of him when he hits your tongue, like musk and man, saturating flavor making your eyes roll back in your head. The dopamine kicks in and Sylus swears he sees little pink hearts right in your eyes when you take him down your entire throat. 

Who is more insane—the psycho, or the one who dares to love him? 

You’ve always been a little loose in the head, but this definitely takes the cake. 

How you’re willing to risk everything—your stable life, your safe home, your fiance’s love—all for a man who plays with you like you’re his favorite toy. 

For a man who will never tell you he loves you or wants to marry you. 

Like he’s reading your thoughts, Sylus gives a strained chuckle. 

“Stop thinking about him. Just focus on me.” 

His abs undulate under your palms, and he eyes the twinkling ring on your finger with distaste. 

One way or another, he’s going to get you to remove it for him someday. 

Until then, he knows the perfect counterpart to that asshole's claim on you.

“Stop.” He pulls you from his throbbing cock, a smidge of pride staining his ego when he sees your swollen lips and the ravenous look in your eye. “Go and get your collar, sweetie.” 

It’s a risk to bring up the one item you didn’t toss into his box of belongings. But, his gamble comes back as a win when your eyes sharpen with want.

“Yeah,” he feeds off your reactions, an incubus desperate for your light. “Yeah, you still have it, don’t you, kitten?” 

The answer is painfully obvious on your face. 

“Why don’t you go and grab it?”

You move with uncertainty, but this time, Sylus allows it. He lets you feel through your emotions, knows the erotic pulse of submission must be tearing you into shreds—warring with your desire to stay faithful to some poor cuck. 

Sylus knows all this because he knows you; knows what you love, what you hate. How you taste at different times of the day. Your favorite flowers, fast food order, your preferred poison on the weekend. The cadences of your breath when you fall asleep in his arms. What your shampoo smells like when it lingers on his sheets.

He is, after all, the best owner you could ask for.

And you’re still obviously, undoubtedly, and painfully in love with him.

Your throat bobs with a hard swallow, but you don’t defy him. He swats your ass with a cheeky spank when you stand and shuffle out of the room.

“Atta girl,” he praises once you come back with your collar in hand. It’s a little dusty, but the leather is still supple. 

Sylus runs his fingers over it, flickering his gaze to you. 

You’re kneeling right between his thighs, head bent, hair gathered in one hand to expose the back of your neck. Waiting for him to reclaim you. 

Sylus doesn’t take such submission lightly.

This collar—proof of his quiet yet powerful devotion and fondness for you—is more of a commitment than that stupid band around your finger could ever be.

It’s his promise to always look out for you. Care for you. Protect you.

Love you.

Though the words don’t dislodge from the grasps of his ego, Sylus has and always will love you.

“That’s my girl,” he whispers, dragging one finger down the nape of your neck. Your shudder makes an unwilling smile curve on his lips, and he snaps the leather collar around your throat, giving it a few good tugs to see how tight it is.

You turn and stretch towards him, planting a soft kiss on his lips as gratitude—a muscle reflex for the many times he’s collared you. 

Sylus deepens the kiss, running his hands through your hair and grabbing a fistful of it, directing you back towards his throbbing, leaky cock.

You lick at a clear bead of precum slipping down, flatten your tongue to run it over your favorite prominent vein. Sylus leans back against his forearms, watching his ex-lover pleasure him on another man��s bed. 

The band around his self-control is slipping, and he can’t hold back a low, drawn out groan when you suckle on the flushed, mushroom tip.

“That’s it,” he grunts, low and commanding. Such a pretty girl you are—make me feel good, kitten. You’re doing so, so well. 

His voice is an aphrodisiac in itself, making you flush hotly. Your core throbs with neglect as you pay full attention to sucking him off, putting his pleasure above yours.

Sylus isn’t stingy with his praises or affections: caressing your hair, patting your cheek, fingering your collar when you get more worked up over sucking him off.

You’re so messy it hurts. 

Drool dripping from the corners of your swollen lips. Precum smeared all over your cheeks. Eyes low and lustful—his personal wet dream came to life.

You’re halfway bobbing your head up and down his slick shaft when he stops you, gestures for you to come back up for air.

In a swift movement, he has you under him, legs tightly wound around his narrow waist; forearms roped with muscles on either side of your head. 

His red eyes bore into yours, watching your reactions with heated attention.

Your gasp as he rips your tank top off, kissing and suckling your plush tits and nibbling on your sensitive nipples until you feel positively ripe for the picking. 

He’s tempted to leave a mark on your neck, but you know him well enough too, and shake your head with a cute little teary, “N-no. Don’t.”

Sylus will let it slide—just this once. 

The warm expanse of your bare skin opens under his palms like the bright evening sky outside. 

He savors your hitched gasp that melts into a sultry groan once he stretches you out with his girthy tip. Another inch, another cry. 

Sylus falls right into your seduction and embrace, bottoming right to the hilt; his hips clip with yours, lips mere inches from your parted ones.

He devours you with hot, open mouth kisses. From your pouty lower lip to your curved cupid’s bow, he traces your mouth to memory with his own. You taste like home, he wants to tell you, but doesn’t. He’s never had a home to compare you to. 

Sylus the orphan. The vagabond. The corrupt. 

Molded deep in your body, he supposes this is the closest to a home he has.

Your fingers twine with his above your head, another hand tangled right in his frosty white hair. 

Languid rolls of his hips. Your own try to keep up—meeting him in the middle.

Say you’re mine, he growls. Say it, kitten. Say it and I’ll make you feel so good.

“Yours,” you hiccup, unable to peel your eyes off of him. 

I’m yours, Sylus. 

His thrusts send shocks of pleasure through your body, hitting the sensitive spots inside of you and making you flinch like he’s touching an open wound.

Over and over again. His mouth grazes yours. You don’t hesitate to swallow his kisses. 

You’re clinging to me like a vine, kitten. He nuzzles your hair, your neck. Smearing his lips all over your face.

His collar jingles around your neck, muffled metallic clicks mingling with the sloppy sounds of two bodies meeting again like the sea to the shore.

Your body runs hot, flushing and going taut under his own sturdy one. 

Unfurling like a flower, your release is about to wash over you like a crashing wave. He talks you through it, going yes baby come for me come for your owner I love you I owe you you’re mine forever come back to me I can make you so happy, sweetie.

You’re shuddering like someone’s run a voltage through you, holding onto him as tears gather in the corner of your eyes.

No, stop this—you can still stop this! Your mind screams but your body doesn’t listen.

Heat sparks at your fingertips, your world going hot white. 

His name tumbles from your lips, your body cramping and pulsing out his claim over you in shaking tremors; knowing exactly who it belongs to.

Fragments of your mind fall around this soft bed, and he gathers you into the tight seam of his embrace. His warmth comes next, filling you up, the walls shaking in your periphery. 

That’s it, kitten. He’s quivering, too, you notice, reaching out to brush a stray lock of hair from your sweaty forehead. You belong to me.

He switches to his back, and you’re sprawled across his chest, breathing heavily. 

Sylus holds you like this for a long time until your rapid heartbeat steadies to the rhythm of his breath. He says nothing and you wonder what plagues his mind.

Though quiet and pondering, his fingers run up and down the curve of your spine, drawing random patterns.

The quiet and calm this lull brings could make you drift off, if it wasn’t for the fact that your fiance would be back anytime soon.

As if he reads your mind, Sylus helps you unsnap your collar, pushing the leather circlet into your hands. He doesn’t meet your gaze while he cleans you up, dressing you again to decency. 

His silence follows from the bedroom to the front door before he exhales a laugh, breaking the melancholic spell of this mistake.

“I forgot to take my file.”

It’s a thinly veiled excuse; another loophole presenting itself as a casual observation.

Those red eyes are soft when you meet them, and if you look closely, you might see them wavering slightly with hope. 

You curl your hand over the door handle, wondering if he can tell just how badly you’re trying not to tremble when you say:

“Come back tomorrow for it.”

Sylus’ broad shoulders relax and his smile is brittle with hope.

He doesn’t kiss you ‘goodbye’ though you can tell he’s thinking about it when he flickers those vermillion orbs to your mouth.

When he leaves—bike roaring down the driveway and out of your life again—you lean against the closed door, bucking into the sadness building inside of you like an explosion waiting to happen. 

Tears chase down your face, the ring on your left hand burning against your skin as you press your hands to your mouth to muffle your wails.

You don’t know what strength possesses you but you stumble to the couch, curling yourself on the plush cushions as you try to erase how sweet his lips tasted on yours. 

Your collar was quickly chucked under the bed, though you can feel its siren call demanding for more.

Demanding for him.

You don’t know how long you’ve been crying, coming back to your senses once you hear the door swinging open. 

The familiar footsteps which once gave you pure joy fills you with dread when he walks into the foyer, removing his coat and scarf to hang it up. His movements are methodical—clinical, as Sylus once said. 

That name sparks a wave of pain through your soul. You can't think of him—not right now.

You blink the tears away though it’s for naught when they wouldn’t stop welling in your puffy eyes.

Your fiance sighs deeply and you’re reminded of how stressed he’s been lately; saving lives and working late night shifts. 

He hums under his breath as he rounds the corner, taken aback by your intense stare. 

He breaks out into a smile which falls when he sees the watery look in your eyes; your runny nose and swollen lips.

“Darling?” Those emerald eyes waver when he notices your trembling lower lip. “Did something happen—?”

His name burns through your lips like it’s a forbidden curse because how dare you evoke him when you were just chanting some other man’s name a few hours ago?

“Zayne… I have to tell you something…”

— please don't ask for part 2 there won't be one lol reblogs and feedback are greatly appreciated <333

©️ lalunanymph. do not copy, repost, translate, take elements of my story and claim it for your own across other sites.

[mugman64]

So I’ve been thinking recently, and there is no way Percy Jackson doesn’t use the gods to just cheat his way in life. Specifically I’m thinking like Percy Jackson sitting in his new car calling Zeus all the swear words under the sun, bailing out last second, and then going to collect the insurance money on his lightning struck car. Like what is the insurance agency gonna do? Claim that he summoned lightning to total a new car and get an insurance payout worth twice its value?

Hermes just gets a box from Percy with 5 Drachmas and two rats and the address of a house and silently turns the Caduceus into laser mode and takes aim.

Annabeth is PISSED when she finds out, like violently upset because WHY DIDN’T SHE THINK OF THIS FIRST!!!!! So she immediately demands Percy cause a small hurricane to take out the architecture firm she started because it’s a shithole with a big insurance policy.

Will has a whole argument with Nico because “Yes I did complain about our car not starting, but when you said you’ll take care of it I expected it to go to the mechanic not INTO A FUCKING SINKHOLE!!!!!”

The whole thing just snowballs until the Big Three kids are making random visits to parents of demigods to make their lives easier by destroying their shit with natural disasters. Eventually the gods get wind of it and almost every kid coming into camp already knows who their parent is because of the “accidents” that happen.

One daughter of Athena is entirely unsurprised because “A crate full of text books dropping from a plane onto our house is pretty heavy handed, huh Mom”

After enough pestering and a stoned promise Percy, Thalia, Grover, Rachel, and Annabeth all set up a Leverage style scam where they cause accidents to happen so corrupt millionaires file a claim and then make a trail to frame them for insurance fraud.

[theambitiouswoman]

Basic Financial Skills Everyone Should Learn

Budgeting: Creating a budget is a crucial skill for managing personal finances. A budget helps you keep track of your income and expenses and enables you to plan and prioritize your spending.

Saving: Saving is another important financial skill. It's essential to set aside a portion of your income for emergencies, retirement, or other long-term goals.

Investing: Understanding the basics of investing can help you grow your money over time. Learning about different investment options such as stocks, bonds, mutual funds, and ETFs can help you make informed investment decisions.

Debt Management: Understanding debt and how to manage it is essential for financial stability. This includes understanding interest rates, payment schedules, and strategies for paying off debt.

Credit Scores: Your credit score is a critical component of your financial health. Understanding how credit scores work, what factors affect them, and how to improve them is vital.

Taxes: Understanding the basics of taxes, such as tax deductions, credits, and filing requirements, is essential for managing your finances.

Financial Planning: Developing a financial plan helps you achieve your financial goals by identifying your priorities, creating a budget, and determining the best investment strategies for your needs.

Understanding Interest Rates: Interest rates are an important component of many financial products, such as loans, credit cards, and savings accounts. Understanding how interest rates work, how they are calculated, and how they can impact your finances is important.

Insurance: Understanding the different types of insurance, such as health, life, and property insurance, is crucial for protecting yourself and your assets. Knowing what types of coverage you need, how to choose a policy, and how to file a claim is important.

Retirement Planning: Planning for retirement is essential for everyone, regardless of age. Knowing how much you need to save, how to invest your money, and when to start taking Social Security benefits can help you achieve a comfortable retirement.

Estate Planning: Estate planning involves creating a plan for the distribution of your assets after you die. Understanding the basics of estate planning, such as creating a will and selecting beneficiaries, can help ensure that your assets are distributed according to your wishes.

Basic Math Skills: Having a basic understanding of math, such as calculating percentages, can help you make informed financial decisions. This includes understanding how interest rates are calculated, how much you can save by making extra payments on your loans, and how much you will earn from your investments.

[astroboots]

EVERY YOU EVERY ME #14

Pairing: Miguel O'Hara x female reader

Summary: You try to move on after the Universe has been saved.

Word count: 4,700

Warning: Angst

Series Masterlist | Spiderverse Masterlist | Astroboot’s Masterlist | thirstworldproblemss’ Masterlist

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You're standing in the middle of your old apartment.

The same apartment that had a helicopter crash into it and left nothing but rubble, ash and melted cement in its wake. Except now it's restored, like nothing ever happened.

Your rickety dining table sits in the middle of the room, propped up by a hardcover book to make up for the fact that one leg is crooked. Your tiny double bed with your lumpy mattress is pushed up against the wall. The usual piles of clean and dirty laundry indiscriminately mixed together sits unattended on top of the unmade covers.

You don't understand.

Why is it all back to normal?

You shake your head, snapping yourself out of it.

Miguel… You need to get back to him and you don't have time for this right now.

"Lyla," you summon. A warm ping vibrates against your inner wrist as Lyla appears. "Take me back to the void."

Lyla shakes her head firmly. "I'm sorry I can't do that."

"What do you mean? Of course you can, you've brought us there twice. You did it when Miguel commanded you."

She peers up at you through her pink heart-shaped glasses, with a solemn look in her holographic eyes.

"The first time was a miscalculation. The second was to eliminate the continued threat to your life."

Her words stop you cold. 'Continued threat...' Is she referring to Miguel?

"Lyla, please. Stop messing around. Take me back to Miguel."

Lyla's eyes go blank, no longer the flippant expression you are so used to seeing.

"Request denied. My programming does not allow me to expose you to danger."

"He's going to die if we don't do something Lyla!" You shout at her.

There is a tremor in your hand. Your nerves are shot, exhausted and tired from everything that has happened in the last 24 hours and you can feel the tears pushing up against your throat.

"Isn't it part of your protocol to protect him?!"

"I was built to protect you. My primary directive is to make sure you're safe above all else. That is my purpose."

She recites the words as if she's reading from a manual. It's flat and emotionless in a way you've never known Lyla to be before. Like the line is hardwired into the very core of her basic coding. There are no funny jokes. No sass.

"Lyla, please," you beg.

She doesn't answer you. That same impassive expression as before is still on her face.

"Lyla..." you try again.

You scramble to think of your options. To devise a plan B. But to your horror, you can’t think of anything.

What are you meant to do? You’re not a super genius who can build source code out of thin air that can break the laws of physics. You have no superpowers. No magic that allows you to travel to other dimensions.

The only thing you know how to do is file claim insurance applications. You’re useless.

There's nothing to be done.

It's over.

Your legs give in from the oppressive weight of your realization. You slump to the floor, unable to hold yourself together as the hard wooden floor hits your knees. You fold in two, hunched over the floor and you let the ache inside your chest break and pour over and you cry.

When you come to some time later, you find yourself curled up on the floor. You don't know how long you must've been crying for. But it must’ve been long enough for you to have cried yourself to exhaustion and slipped into unconsciousness.

Turning onto your back, you stare up at the ceiling, shivering from the cold breeze of the evening coming through the window.

Your limbs are cramping from exhaustion. You're dehydrated. Mouth dry and eyes crusted with dried tears. There's a deep-seated headache burrowing into your skull. It's a struggle for you to get up from the floor into a seated position, as you properly take in your surroundings.

At first glance, this version of your apartment looks identical to yours, but on closer inspection there are some stark differences.

By the window, there are black out curtains hanging from the ceiling to allow for sleep-ins during daylight hours.

On your bed, amongst the mountain piles of laundry strewn haphazardly, there are items you don’t recognize. Oversized hoodies that are big enough to fit a bear. Male sweatpants. Socks so big they look like they're Christmas stockings.

Walking over to the kitchen area, there's a distinct lack of coffee. It's been replaced by expired Reese's Peanut Butter cups, milk duds, and Hershey bars that fill every corner of your kitchen cupboards to the brim, stuffed haphazardly on the upper shelves that you could never reach. They have even made their way into your nightstand and stuffed and hidden between books on the bookshelf.

Lyla doesn't even have to tell you where you are. You already know.

This is your home. In your other self's dimension. It belongs to Miguel's nena.

Miguel sent you here, the closest universe he knew of that was identical to yours, so that you could live out your days in safety, without him.

Fucking idiot.

This is not what you wanted.

Days pass.

It's an odd and empty existence, you've beaten the impossible odds and won against the universe itself and made it out alive. Yet you're not sure that anything about this truly qualifies as a victory.

For all you know, the world that is your home may have been destroyed.

After all that's what Stark said: there is no guarantee that just because you left, everything would go back to normal.

And who are you to argue with the (second) smartest man on earth?

There's no way of you knowing what the outcome was, and Lyla refuses to transport you out of this current dimension.

You spend most of your days curled into a ball in bed unable to summon the strength to keep yourself upright or awake for more than an hour at a time, haunted by the knowledge that your escape from your death might have doomed trillions to theirs.

In the hours in between, when that inescapable guilt doesn't eat into your mind, the only thing you are left with is replaying the moments of your life in the past three months.

It flits through your closed eyes like an old film reel and in every one of those moments, Miguel is there, reminding you of what you have now lost.

You feel hollowed out, scraped out and empty like there's nothing inside. The only time you manage to feel anything that resembles an emotion is when you clutch onto whatever piece of oversized clothing that once belonged to Miguel. The only physical trace you have to prove to yourself that he existed and it's not just some fantastical made up story in your mind.

Miguel once told you that anyone who gets lost in the void gets erased. Their very existence scrubbed from the records of the world. Does the fact that you can still remember him mean that he's still there? And if so, how much longer will you be able to mourn him before he's faded entirely in that space. Before your very memory of him and the love you have that sits inside you with nowhere to go is gone too?

Nothing about this feels like a happy ending.

In the first few days, you don't leave the house. You tell yourself that it's better that way. Now that Miguel is no longer here, the idea of walking out in into open streets in broad daylight seems strange to you.

Lyla tries to tempt you with exotic holidays.

“Bali, India! The world is your oyster, we can fly out first class tonight and do an Eat Pray Love for as long as you want to!” Lyla’s voice sings in your ear. "Thailand is lovely this time of the year, barely any tycoons."

Most of the time, you ignore her presence, burying your head into the pillow, pathetically hugging onto one of the oversized shirts that’s been left behind.

Everytime you hope to catch a whiff of the remnant traces of Miguel’s presence there. But there’s nothing. It just smells of stale detergent.

After surviving the end of the world, a lot of things that used to be important seems meaningless to you now.

Alive as you may be, there’s no real purpose for you carved out in this dimension. You don't go to work in the mornings, because the you of this universe died years ago. Showing up at your office at the Chrysler building would likely induce heart attacks amongst your old co-workers.

You could scour Careerbuilder for job ads, but there's a sour pit in your stomach that hugs tightly around your guts everytime you think of the prospect of having to speak to job recruiters.

You don't think you have it in you to lie to some stranger at an interview and pretend that being in front of a white screen poring over excel sheets 8 hours a day is the way you want to spend the rest of your life until you hit retirement.

Besides, rent is not an issue anymore. Nor is money when Lyla is there to take care of you and act as your digital sugar momma. A standing order for any and all bills needed to maintain this home had already been set up long before you arrived.

You feel sorry for Lyla. She's been programmed to take care of your mental and physical well being and you know she is at wit's end with your listless behavior.

She pulls out all the stops. Lyla orders take out for you, delivered right to your door to try to get you to eat. If she had a physical body, you think she would hold you down and force feed you.

But something is wrong with you, because even though every dish is your favorite, rounded up from your favorite restaurants in the city, for the first time in your life since you were born, you no longer have much of an appetite.

You usually only manage mouthfuls just to keep Lyla from constantly nagging, before you shove the take-out box back into the fridge and then crawl back into bed.

Everything tastes bland and grey. Everything around you seems to have lost its color and shine. Was the world around you always this dull?

On the fifth day, there is a familiar baby-pink box with Gladis' logo printed on the lid arriving at your doorstep.

“Surprise!” Lyla announces. “It’s your favorite! I ordered the luxury box with the elderflower lemon flavors, as well as the lychee-raspberry jello!”

You sit down by the table, staring at the beautifully adorned cupcakes in the box. Spirals of white and pink frosting with petals of edible flowers. There's freshly cut strawberries and blackberries and chocolate shavings on op.

Picking one up, you cram the whole cupcake into your mouth, trying to cling onto the memory of that first time when the flavor of lemon zest bursting on your tongue had made you squeal with happiness.

That doesn't happen.

This time, as the sugar hits the top of your mouth, all you can think about is how much you miss him. How things will never be the same without him.

How you'll never get to have him sit next to you, smiling softly as he watches you eat. That you'll never get to see him demolish a cupcake in one bite and leave frosting on his nose.

It doesn't feel the same, you just feel hollow. Wetness spills across your cheeks, and snot clogs your nose and throat. You must look like a looney, ugly crying with your mouth stuffed full of cupcake, barely swallowing.

After that Lyla doesn’t order them for you anymore.

It's morning you think, judging from the bright sun pouring in from the blinds.

Lyla is buzzing near your ear where you've taken off the watch and placed it on the pillow next to you for company.

"You need to get out of the house. You're turning into a social recluse. It's not a good look," she says, as she peers down at you over her pink-tinted glasses.

"How about I get a date for you? Have a fab night out on the town? I have a roller-dex of the top bachelors in New York. I'm happy to hack into their calendar!"

You ignore her, burying your face deeper into the pillow, hugging Miguel's worn hoodie tighter to your chest. You pull the cover over your head, but you can still hear her babble on through the thin separation of fabric.

"What's your type? Oscar Isaac? He’s hot– No, no you're right he's happily married and we don’t wanna be homewreckers here. What about Lenny Kravitz? Doesn't get cooler than Kravitz and he’s long divorced."

"Lyla stop," you groan, poking your head back up above the covers. You just want quiet. Just want to stay here cocooned in this space that is the closest you'll ever get to Miguel for as long as you can remember him, until that too is taken away from you.

"I'm fine. I don't need a date."

"You're not fine though. You've only eaten a box of cupcakes in the last week. You haven't showered and you look like a mess. Your hair is greasier than the BP oil spill off the gulf of Mexico. My purpose is to keep you safe, and that includes your mental and emotional levels, which are... " she stops, throwing up some diagnostics boxes in floating holograms, then makes a face. "Yikes."

She’s doing this on purpose. Talking incessantly, so that she can nag you into doing what she wants. Suddenly you gain newfound sympathy for Miguel. You used to think it was funny when she nagged him and got on his nerves, but now that you're on the end of it, you see how he must’ve suffered when Lyla was in one of these moods with him.

"Will you stop if I step out of the house for a walk," you offer as an olive branch, hoping for a little peace and quiet.

"How long of a walk?"

"Five."

"Minutes?!" Lyla screeches with outrage. "The general recommendation is 150 minutes of weekly exercise, I'm going to need at least an hour's walk from you boss-girl."

"Twenty minutes."

"Forty!"

"Half an hour, or I'm going back to bed and wearing earplugs."

Lyla grins. "Deal".

The streets here look the same as the ones in your dimension, down to the Bodega owned by the old Korean couple around the corner. This version of earth is identical to yours in almost every way you know of.

Except in this New York, instead of Matthew Ellis, a man named Biden who is apparently over 100 years old (give or take a few years) is president.

In this reality, Leonardo Di Caprio apparently won an Oscar, while Amy Adams still hasn't, which is nuts to you.

The Avengers also don't seem to exist here. Though Superheroes still seem prevalent. A group of misfits that refers to themselves as the Fantastic Four seems to dominate the news cycle more often than not.

Ahead of you, the street splits into two paths and you take a corner into the smaller street that you know should cut through to a dog park.

But it doesn’t. Instead of green grass fields and park benches, you end up in a small narrow dead end of a street. Somehow you're lost. Shit. You should've paid more attention.

Looking up, you turn your head left and right to try to make sense of where you could be. You’re just about to pull up google maps, when the flickering light of the one sole streetlamp illuminating this alley catches your attention.

You're 12 blocks from Chinatown, but you recognize this alley even though it shouldn't be here.

From a distance, you spot the familiar red stall. The same small rickety table. The same red cloth draped on top. The same old lady with her abnormally large shiny head, comically large sunglasses and white-blue robe. The same giant sign spelling out: Fortune teller.

Only this time, there's only one folding chair set up in front of it.

She takes one look at you, as you sit down with a look of familiarity in her milky-white eyes.

"Your bad luck is gone," she says.

You should be more surprised that the scam fortune teller from another dimension seemingly remembers the conversation you had with her other self. But it doesn't. You've learned by now that nothing is as it seems.

Random near death accidents are not just due to bad luck. A superhero that repeatedly saves you isn’t just doing it out of sheer goodwill and duty. A starmap is not just a starmap, and you’re willing to bet your life that this fortune teller is not just a fortune teller.

“Who are you?” you ask her.

“Is that of importance to you?”

“Yes.”

She takes off her sunglasses and stares directly into your eyes. Without the obstruction of dark tinted lenses, you can see that it's not glaucoma causing the whiteness in her pupils. In her eyes, there are galaxies, millions of tiny dots of glowing stars, endless and mesmerizing as you stare back into them.

"My name is Ulana. I’m a Watcher. My role is to observe the Multiverse from the Nexus of all realities.”

There’s no longer that harmless demeanor and friendly smile that makes you drop your guard. She holds herself with reverence as she speaks, with the aura of the divine.

“Does that mean you are able to observe every reality in this moment?” you ask.

“Yes.”

The image of your New York with its pink cracked sky and the chaos you left it in crowds your vision.

"Can you tell me what happened to my old world after I left? Is it still there?"

"Your old home is intact and safe."

You let out a shaky breath you didn’t know you had been holding all this time.

Thank god.

Relieved tears spill from your cheeks. Somehow you haven't single-handedly caused the destruction and death of whole worlds and countless lives.

Even if you can never go back there, that place will always be your home, and your chest warms at the thought that even without you it will always still be there.

You take a moment to gather yourself, to wipe the errant tears that are welling up with the back of your hand.

Then you take a deep calming breath before you ask her the question that has been plaguing your mind since you arrived in this reality.

"Is Miguel still alive in the void?" you ask her.

"Your husband is still alive. But he doesn't have much time left. He's fading."

Your fingers curl into fists on top of your knees, "How do I save him?"

"I couldn't tell you.” She shakes her head sadly. "My kind is not allowed to intervene. We are only meant to observe the ongoings of the universes. I've already meddled too much.”

Ducking down, she reaches under her desk, sorting through the pile of junk paper, before she leans back up over the table.

"This is the only help I can give you," she says, reaching over to place something into your hands.

You look down to see a familiar bright yellow Star Map.

"He'll be home this time," she tells you.

You're standing on the doorsteps of the old brownstone on 177A Bleecker Street, staring up at the old ornate wooden front doors.

Unlike last time you were here, there's no hesitation in you anymore. It doesn't matter that you've come alone with no other superhero to validate your mad and fantastical story about the Cosmos that was out to kill you.

You don't care if Strange thinks you're a random crazy from the streets.

If he doesn't believe you, then you'll make him believe you. If he tries to have you hauled out, you'll kick and drag and scream at the top of your lungs, and chain yourself to his front door if that's what it takes.

You bring your hand to the door knocker and tap it three times. Then you wait.

Nothing.

Didn't the fortune teller say he was going to be home this time?

Goddamnit, was she a scam after all? What kind of name is Ulana for a celestial being anyhow? Did you end up wasting another ten dollars?

You grit your teeth and step forward again, grabbing the door knocker to pound it down against the front door, even harder this time and you don’t stop at one or two, you keep slamming it down fervently.

Mid-knock, the door creaks, swinging open, as an exasperated voice greets you.

"Yes, yes, yes. I'm coming. There's no need to knock that aggressively, I'm not going to come to the door any fast–"

He stops mid-sentence as he looks at you. For a man you've never met, Dr. Strange's eyes go wide at the sight of you standing on his doorsteps. His eyes are filled with the disbelief of a man who's seen a ghost.

"You're alive," he says.

“Sit down and make yourself comfortable,” Strange says as he hurriedly pulls out a chair by the old oak table in his dining room.

“I’ll make us some tea,” he says.

He waves his cape with a dramatic flare in the empty space, and from a distance you hear a small click, before you realize that he must’ve used magic to put on the kettle.

For someone that’s supposed to be a sorcerer, you don’t know why the hell he bothers having a kettle. Seems a bit redundant, couldn’t he just use magic to instantly heat water?

You sit down as instructed, hands folded in your lap as you try not to fidget.

There’s a prolonged and uncomfortable silence as you both wait for the water to boil.

Strange opens then closes his mouth, as if he’s unsure of who should speak first. In the end though, he doesn’t say anything at all, he just drums his fingers impatiently on the wooden surface as he smiles politely but awkwardly at you. Across the room, the water starts simmering to a boil.

This wasn’t what you had expected. You had counted on him to try to kick you out and you having to make a passionate plea for him to listen to you. Instead he’d opened the door and insisted on inviting you in and now the two of you are drowning in a sea of uncomfortable silence.

There’s a tinny whistle from the kettle, and Strange darts up from the chair, as if the interruption was a godsend. He rushes over to pick it up, before walking back to the table with it at a much slower pace.

Then he stands next to you, tilting the snout of the kettle into your small tea cup.

Strange stares intently at your face as he pours the boiling water into the cup. So focused on you that he doesn't pay any attention to the level of the hot water, until it spills over the rim and onto the table surface below. Then he seemingly snaps himself out of it.

"Shit! Sorry," Strange begins. He wipes up the spillage with his robe, even though there are perfectly good paper towels behind him, even though he could’ve just used magic to make it vanish in the blink of an eye.

"You look exactly like her," he says, then he stops himself.

Strange considers the statement and does a curt little nod at himself as if berating himself for how stupid that comment sounded. "Which of course you do. You are her, just… from another dimension."

From your time with Miguel, you’ve been able to glean from his childish rants about the man’s “ugly” and “useless” and “impractical” cape that there’s a hostility there towards Strange that goes beyond just Miguel being Miguel.

Judging from the guilt in this man’s eyes as he looks at you from across the table, you can guess that there is a complicated history between Strange and Miguel and you.

“Did you know me?” you ask.

“Yeah, we were friends. Good friends,” Strange corrects himself. Then a sadness seeps into his eyes as he stops wiping the table and pulls back his robe close to his body. “Although I supposed I wasn’t a great friend to you near the end of things.”

He places the cup down on the table in front of you, the rising steam wafts through the air, smelling of mint and honey as he drags out the chair and sits himself next to you.

"Why don't you tell me everything from the start," Strange asks you.

So you do. You tell him of that first day when you fell out of the Chrysler building and was saved by Miguel. Tell him about how Miguel saved you again and again and how you tried to trap him with cookies and how you fell out of the Chrysler building a second time on purpose, which makes Strange laugh that sounds fond and warm.

You tell him of the void, the fortune teller, the Avengers and everything in between, and how despite surviving all of that Miguel had exiled himself to the void and sent you here by yourself, with each event you tell him his eyes grow sadder.

When you're done, Strange nods solemnly. He picks up his cup and takes a small sip of his tea to buy himself time to gather his thoughts. Then he finally speaks again. "What can I do to help?"

"Miguel is still in the void. I need your help to send me there so I can get him back."

Strange frowns, then goes entirely quiet as he stares out of the window in deliberation. It takes several moments before he speaks again.

"The void is a dangerous place, stay too long and you will be erased from existence. If you go in you may not be able to find your way out and I wouldn’t be able to help you from here."

“That’s fine, I just need your help to get there” you say.

He sets down his cup as he continues. "I can’t in good conscience send you back out there. I've already broken my promise to keep you safe once."

Frustration brims in your chest. As flattered as you are over Strange’s concern over your safety, you bristle at the fact that there seems to be none extended to Miguel’s. Every second you spend here is another second wasted.

“Miguel is there. If I don’t save him, he’s going to be erased from existence.”

That doesn’t seem to move the doctor in the slightest.

“For Miguel, his own life is a small price to pay in exchange for yours. He’d sacrifice the whole world for you to live.”

“That’s not a choice for him to make.”

Strange scratches his thumb over his bearded jaw, as if he's trying to figure out how to solve a puzzle, before speaking again.

"Right now with Miguel gone, the volatile cosmic energy surrounding you is stabilized. The version of you in this universe died and is viewing your presence as an equivalent exchange. You could stay here. You'd be safe. Miguel would've known that. That's probably why he sent you here.”

"I don't want to stay here if Miguel isn't here," you counter.

Leaning back in his chair, Strange up at the ceiling in deep thought.

"It's risky, if I sent you there, you may not even be able to find him. He might not even have his physical shape anymore, he’s been there too long by now."

His head ducks back down as he looks at your face, observing you for long moments.

You don't know what it is he sees, but a small amused smile quirks at his lip as he shakes his head again.

"But... I think you already know the risks and nothing I can say will dissuade you will it?" he says.

You nod.

It's not that you've stopped being scared of the void. It's not that the very thought of it doesn't fill your stomach with a cold dread. It's that Miguel is there, and there is no risk you're not willing to take to have the chance to see him again.

You square your chest and confidence swells inside you with your answer.

"Send me there."

~ Next Issue

Credit and Dedication: We're almost there guys! Next issue is going to be the final one. Thanks to everyone who has been with me on this ride! I cannot wait to share the final conclusion with you all.

Special thank you (as always) go out to my bestie: @thirstworldproblemss who is a big reason this story even lifted off the ground in the first place.

Big BIG BIGGEST thanks to my muse @guruan who has gifted me with so much inspiration be it thirsty twitter art of our favorite rude spider or her own insanely gorgeous art. Have you seen this heartbreaking beauty?!

I don’t have a tag list but please follow me on astroboots-writes and turn on notifications to be notified when I post something new!

[beardedmrbean]

FRANKFORT – Potential mothers could claim child support during pregnancy under a new proposal before the Kentucky legislature.

House Bill 243, filed by Republican Reps. Amy Neighbors of Edmonton and Stephanie Dietz of Edgewood, would change Kentucky law to claim child support "at any time following conception."

The bill is designed to support pregnant mothers, Neighbors said.

"There are a lot of costs associated with a pregnancy and basically getting ready for baby," Neighbors said, pointing to car seats, other needed supplies and lost work time when a pregnant mother has to attend doctor appointments.

But abortion-rights advocates see the bill as part of an attempt to advance an anti-abortion agenda by laying the groundwork for fetal personhood under Kentucky law.

Bills based on the idea that a fetus is a person have been filed across the country after the Supreme Court's overturning of Roe v. Wade in 2022.

Neighbors said her decision to introduce the bill was not directly influenced by Kentucky's ban on most abortions but rather by a desire to support women during pregnancy.

The measure also would allow paternity testing prior to birth, as long as it's safe to do so, Neighbors said.

The bill was sent to the Committee on Committees on Jan. 11. Neighbors said she believes HB 243 will have widespread support from House Republicans.

Critics see bill as attempt at fetal personhood

Abortion-rights advocates told The Courier Journal the measure is an attempt to cement into law the belief that life begins at conception.

Rep. Lisa Willner, D-Louisville, said the measure would create a "slippery slope" for pregnant people.

"What the bill would do would be to grant full personhood to an embryo from the moment of conception," Willner said. "These so-called personhood laws could result in a pregnant woman facing child abuse charges and even incarceration if she seeks treatment for drug or alcohol abuse.”

“The legislature should instead focus on bolstering actual support for pregnancy, such as ensuring insurance access, covering doula and midwifery services, and expanding mental health supports," Willner said.

"This bill is an underhanded attempt to advance an anti-abortion agenda and lay the groundwork for fetal personhood in state law by allowing people to seek child support for a fetus," said Tamarra Wieder, Kentucky state director for the Planned Parenthood Alliance Advocates.

Wieder is also concerned the bill would open the door for surveillance of pregnant people because it would require the state to verify their eligibility for child support. She agreed with Willner that the legislature should focus on health care during pregnancy.

Planned Parenthood will ask its supporters to call legislators and express their opposition, Wieder said.

"We may actually be able to stop this because Kentuckians don't want more restrictions to abortion, and this is another abortion restriction that would be codified in law," Wieder said.

But when asked when asked about the comments from abortions-rights supporters, Neighbors said, "I can’t stress enough that my goal is to simply be supportive of mothers, children, and families."

National trend

The bill is the first Kentucky measure Willner has seen that creates a potential personhood definition for a fetus, she said.

But other states and Congress have considered, and in some cases adopted, similar bills around child support.

In 2021, Utah adopted a measure that requires fathers to pay 50% of the mother's pregnancy expenses. Indiana's legislature last year expanded the list of childbirth-related expenses fathers could be held responsible for paying, though the legislature stopped short of categorizing those payments as child support.

Georgia's abortion law applies the state's child support rules to any fetus "with a detectable heartbeat."

Washington Republicans have introduced bills similar to the current proposal in Kentucky. Sen. Marco Rubio, R-Fla., and Rep. Ashley Hinson, R-Iowa, in December introduced in their respective chambers the "Supporting Healthy Pregnancy Act," which would require biological fathers to pay child support for medical expenses during pregnancy.

"These bills are often introduced by folks who are pro-life or anti-abortion who believe that a fetus or unborn child is a rights-holding person," said Mary Ziegler, a law professor at the University of California-Davis. She is writing a book about the fetal personhood movement.

"The strategy behind them is to set a precedent that, you know, that life in the womb has rights essentially, which would obviously have extensions to abortion too," Ziegler said. "Essentially it would mean liberal abortion laws would be unconstitutional."

A separate Kentucky bill introduced by Sen. David Yates, D-Louisville, would add exceptions for rape, incest, maternal health, and lethal fetal anomalies to Kentucky's near-total ban on abortions. __________________

I thought this was what they wanted, people keep going after pro life people for fetal child support and now that it's on the docket they're mad for some reason.

[champstorymedia]

Steer Clear of Pitfalls: How to Select the Best Car Insurance Policy for You

Introduction: Choosing the right car insurance policy can be a daunting task with so many options available in the market. It’s crucial to select a policy that meets your needs and provides adequate coverage in case of any unfortunate incidents. In this article, we will discuss how you can avoid common pitfalls and choose the best car insurance policy for you. Section 1: Understanding Your…

[bellobambino]

The Claim That Broke the Camel's Back

828 words

Summary: Frustrated CS student, Luigi Mangione, battles the maddening bureaucracy of his insurance company while juggling midterms and back pain. An underwhelming trip to Panda Express inspires him to make a change. Luigi's POV Author's Note: I could write about incompetent insurance reps all day. My whole life is working with this broken fucking system. Free Luigi.

I'm on my third cold brew of the day to get ready for this evening Machine Learning lecture. I'm wired, to say the least. I've written down a few questions I have for the professor that I'm hoping will be covered by the midterm review he's “gifting” us today. 

"Good evening, folks!" he booms, addressing the class. There’s a few murmurs from some students giving a half hearted hello. "I was debating whether or not to make a midterm review for this section of the course. Considering your test scores from February..." 

My phone vibrates with a 1800 number I know all too well. Dammit. I've been waiting a whole week for them to call me back about this billing mistake. I can’t believe they’re calling right now, but I have to settle this billing issue. I sigh, and claw my way out of the row of backpacks and purses, answering the phone as quietly as possible.

“Hello, this is Luigi.” I spit it out like I've said it a thousand times, flinging open the back door to the main hallway.

“Hi, Luigi, this is Tiffany calling from Blue Cross Blue Shield. I’m returning your call about a claim you want to appeal.”

Appeal? Appeal. Because nothing says "customer service" like making me clean up a mess they made and then gaslighting me about it.

I’m whisper-shouting now, rehashing for the millionth time how I never got the bill they insist they mailed to an address I haven’t lived at since MySpace peaked. Tiffany’s hitting me with the most insincere “mm-hmm”s—" i've ever heard.

“Why did you send the orthopedic bill to my parents’ house? I don’t live there,” I say, trying to keep the vein in my temple from exploding.

“Mr. Mangione, can you confirm your address for me, please?”

Confirm my address? I swear to God, these people couldn’t find their own ass with both hands and a Garmin. “Which address do you have on file for me? Because you’re sending this bill to Maryland, and I live in Pennsylvania.”

Tiffany pauses like she’s consulting the Oracle of Delphi. “Mr. Mangione, I’ll need you to confirm your mailing address in order to continue discussing your account.”

Breathe, Luigi. Breathe. “Fine. 212 Fairway Lane, Baltimore, Maryland, 20906.”

There’s the familiar clackity-clack of her keyboard, a sound I’ve come to associate with malicious incompetence. “Okay, Mr. Mangione, can I put you on hold?”

“Hold? You guys are killing me. I’m a full-time student; you called me in the middle of a lecture.”

“I’ll need to review your account information in order to transfer the case to the billing department.”

Hold on. “You’re not the billing department?”

There’s a pause so thick you could spread it on toast. “This is the claims department.”

I could scream. I peek through the window of the lecture hall door. The TA’s handing out the review sheet, and I’m out here playing phone tag with someone who doesn’t even have the power to solve this issue. “Alright, Tiffany, can you just give me the billing department’s direct line? So I can call when i'm not in class.”

She rattles off a number. I punch it into my phone notes like I’m defusing a bomb. I thank her—halfheartedly, because I was raised right- and hang up.

I'm back in my seat, having missed the professor going over test expectations. I unlock my phone and look at the number Tiffany gave me. Wait. I look at my recent call log.

No way. It’s the exact same number I’ve been calling for weeks. The member services line. An automated phone directory service that will "connect you to the best department", but only sends you in circles for hours just to disconnect you when you’re waiting to speak with a supervisor.

They’ve already threatened to send the bill to collections—a bill I’ve never even seen. They told me the procedure was 100% covered. Now I’m supposed to fork over cash I don’t have for something they said I didn’t owe in the first place.

Back at my dorm, I'm eating Panda Express alone like a fucking schmuck. The noodles taste like cardboard. I’d kill for my Ma's chicken parm. I gotta call her.

I finish up, and grab the take out bag to throw away the container. 

Oh, thats right. There’s the fortune cookie. I almost chuck it in the trash, but ... maybe Lu deserves a little treat today.

I crack open the cookie, shoving one half in my mouth, and unfurl the little piece of paper.

Be the change you want to see in the world.

I immediately roll my eyes. The change I want to see is insurance companies prioritizing patients' well being over shareholder profit. If I could do anything about that, I would. Trust me, I would.

I tape the fortune to the inside of my laptop, right next to the sticker of Breloom my sister gave me, and fling myself onto my bed. 

Be the change. Maybe I could.

[sysmedsaresexist]

So have you talked about Colin Ross abusing and traumatizing his patients, or him believing he can shoot beams of energy out of his eyeballs, or any of that stuff or did i miss those posts or what

I did :) keep looking, I'm sure you're almost there

In all seriousness, no one is saying he's a saint or unproblematic, but him believing he can shoot lasers doesn't exactly affect the results of fmris or the readings of other clinicians in the studies compiling results

I mean, unless he shot the lasers right into the machine

That might skew the results a bit

But if you're going to dismiss Ross, you also have to dismiss van der Hart, Braun (RIP???), Poznanski, and all of the other psychotherapy clinicians involved in 15-20% of yearly medical malpractice lawsuits (statistics in these areas are horrible to wade through).

Malpractice lawsuits are a fact of life in the medical field and that's why every doctor is legally required to have insurance. It's estimated that by the age of 65 years, 75% of physicians in low-risk specialties had faced a malpractice claim (this includes psychiatry), as compared with 99% of physicians in high-risk specialties (surgeons and the like). At least 10% of an average 40 year career is spent with an open lawsuit on file. 96% of medical malpractice cases are settled out of court, without you ever knowing they happened. Your family/general doctor has more than likely been sued before, and you have zero idea. Of the cases that go to court, over 55% are dismissed. Of the remainder, over 70% are awarded to the physician. These numbers are terrifying. Not only are the number of frivolous lawsuits incredibly high, the fact that so few cases are won by the patient is just depressing.

Based on the above, like 1 case out of roughly 3,500 yearly malpractice suits against therapists will succeed in court.

(The above numbers are US based)

To reiterate, over half of those cases never go to court and you don't know they happened, because at that point, insurance companies prefer to just make things go away with money, whether it's valid or not.

How many can't afford to sue?

These cases range from therapists oversharing, bad note taking, confidentiality concerns, sexual relationships, business relationships, misdiagnosis, prescription management, lack of training in techniques, disagreements, and any number of other things. More often than not, malpractice suits aren't for emotional damage, but procedural and ethical issues.

The more well-known you are, the harder the cases you take, the more likely you are to be sued. I don't actually know of a case where Ross was the sole named physician, usually there's 3 or 4 named and Ross has only made it to the settlement stage once, though we can't see what part he played or if he was held responsible over the other physicians. I don't think he was ever named as the primary physician, meaning he came into these cases after another doctor had made the diagnosis.

How would you feel if every doctor decided to reassess you themselves rather than trust another diagnosing physician? This is a real question that matters. It's not rhetorical. I'm not defending Ross, either, but I'd be pretty frustrated by the third round of testing. Multiple diagnosing clinicians just isn't always feasible, and yes, it leads to errors. But that's not just psychiatry.

I don't really know what to say to this ask. No one is denying he's got problems, but can those problems be directly tied to the research and did they skew results? Where do we draw the line to decide who's officially useless as a clinician (people like Hart) and who's just getting sued in a normal daily event?

Can we talk about the laser beam thing for a second, though?

Colin Ross has an eyebeam of energy he'd like you to hear

Ross applied to the James Randi Educational Foundation’s One Million Dollar Paranormal Challenge

Ross's basic claim is that with the aid of special goggles he’s assembled using a blue Aqua Sphere swim mask, electrical wiring and, naturally, scraps of tin foil, he can harness the energy from his eyes and use the energy to play a tone on a computer. He describes it like an on-off switch. And he plans to use the technology he’ll develop to add receptors to such devices as iPods and light switches, allowing folks to turn them on or off using our eyebeams.

He won an award. A Pigasus. I think this is hilarious.

The Pigasus Award is given each year, “To the scientist or academic who said or did the silliest thing related to the supernatural, paranormal or occult.” Dr. Ross’ 2009 Pigasus Award stems from his ability to focus his own electromagnetic field to send a beam of energy from his eyes and make a tone sound out of a speaker. He has applied to the One Million Dollar Paranormal Challenge administered by the JREF.

The JREF has ridiculed Dr. Ross since he filed his challenge application. James Randi wrote on his web page: “You think you’ve seen every sort of claim that could be thrown at the JREF…. Most have been preposterous, silly, irrational, and/or astonishing. Now we have one that is all of those…Dr. Colin A. Ross.”

“I am not the first unconventional thinker who has had to endure the snickering of cynics and skeptics, so I happily accept this recognition,” said Dr. Ross. “Every significant scientific advance faces resistance, but it is time that the JREF stop ridiculing me and tests the protocol.”

I don't know where I'm going with all this, it's just food for thought, context. Nothing is ever quite so black and white, even eye lasers, and sometimes you keep the bathwater and toss the evil baby.

It's hard, it's a balance. Do we say you can't trust the ToSD because of Hart? Can bad people still make reliable resources? As much as it sucks, I think some research is still valuable, and we need to teach people how to critically examine methods and conclusions to decide if the research has merit, not just decide based on whose name is first in the authors list.

[sophieinwonderland]

I want to start with: people are not their disorders. Disorders are not identities. They are intended for clinicians and insurance companies and for treatment. They are clusters of symptoms. And they are faulty and honestly a poor piss always of describing people. All psychiatric disorders contain overlap. Personality disorders especially contain overlapping symptoms. Rarely does a person exactly fit one PD. Dissociation can be a symptom of PDs. Dissociating is not necessarily indicative of a dissociative disorder. Also, there is nothing wrong with being diagnosed with a PD. It doesn’t mean that person is a bad person. A PD is diagnosed when a person exhibits a pattern of certain behaviors over a long period of time, usually start in adolescence. PDs are often difficult to treat because those diagnosed often do not see any problem with their behavior, and therefore often do not actively try to change. PDs are incredibly sad, for both the person who likely experiences much unhappiness but can’t see why and for those around them.

I imagine that patient’s doctors knew her very well before coming to their diagnosis. It is very possible they observed manipulative behavior in her regularly. She may have believed she had DID as it would have been a convenient excuse to continue her manipulative behaviors. Often, people do not want to take responsibility for their harmful behavior. Could you imagine if everyone could just blame bad behavior on a dissociative disorder? It sounds like she just pointed to the dissociative disorder as an excuse, rather than feeling actual remorse or regret for her actions. Therein lies the difference. Again, does this make her a bad person? No. She clearly had a hard life that shaped her into who she was. However, it is important to diagnose correctly. Treatment changes depending on the diagnosis. Honestly, this is why I personally believe diagnoses should be withheld. Rather than viewing themselves as a whole person, patients may often overly identify with the diagnosis which can also hinder recovery (i.e. getting the patient to a place where they no longer feel the need to use maladaptive coping strategies; more ideally, getting them to a place where they can thrive rather than only survive).

Regardless, that is one anecdote. My point remains that it does happen that one is introduced with the concept of alters and then they suddenly have alters, not because they have DID, but again, because they have high suggestibility, prone to fantasy, etc. And that is ok! That doesn’t make them liars or bad people. It just doesn’t necessarily mean they have DID and therefore treatment used for DID may not be effective for them. More likely they’re young, still figuring out their identity, confused, etc. Clinicians need to be careful when a new client comes in claiming alters as having the wrong diagnosis can, again, hinder recovery, and with DID being all over social media nowadays, this is becoming more common.

I imagine that patient’s doctors knew her very well before coming to their diagnosis.

She had initially been diagnosed with DID.

Then she was sent to the clinic that conducted this study who suspected she didn't have real DID as soon as she was admitted to their department.

Honestly, this is why I personally believe diagnoses should be withheld.

You mean you shouldn't tell the patients what they're diagnosed with?

That's a terrible idea! Just imagine all the patients put on who knows how many different types of medications without being told what the meds are even treating! Unless you just mean for DID specifically, but then why single that out?

However, it is important to diagnose correctly.

I agree. It is very important to diagnose correctly. But the reasoning for her not having DID is weak. By all counts, it sounds like she fit the criteria. If not for DID then at least for OSDD.

Let me put this a different way.

These doctors had a problem. There were lawsuits being filed against psychiatrists for alleged misdiagnoses. To protect themselves and other doctors from such suits, they needed a defense.

They created a theory of "imitated DID" as a solution to this problem. A super hard-to-detect condition where people just enacted the symptoms of DID, that doctors couldn't possibly be held liable for because of how hard it is to detect.

To back up this theory, well, they needed case studies to use as examples. Which meant identifying people to have their made-up condition.

Regardless, that is one anecdote.

It's THE FIRST anecdote. This, and the other case studies presented, were what was used as justification to create Imitated DID as a concept!

Before this paper, there was malingering which was intentionally lying to gain some type of benefit. But there was no real concept of people gaining or imitating DID-like symptoms unconsciously.

In the end, this alleged condition of "imitated DID" has no scientific basis. The theory is not driven by science, but money. It was made up to protect doctors from legal liability.

My point remains that it does happen that one is introduced with the concept of alters and then they suddenly have alters, not because they have DID, but again, because they have high suggestibility, prone to fantasy, etc.

And my point is that evidence for this claim is lacking.

Many people don't just form alters after learning that DID exists. But sure, when people learn about plurality, if they are already plural, there is a tendency for them to realize that they already had headmates afterwards. But those headmates didn't just come into existence. It's just that the system didn't have words to describe their experiences before.

I will give you that, because of rampant system medicalism, many of these may be non-disordered systems will wrongfully self-diagnose as disordered systems. This is a reason we need more education on systems of all kinds.

But that's still not imitated DID. It's not created to copy DID experiences. They're just using the closest thing they know about to define the experience of being multiple that they already have.

Clinicians need to be careful when a new client comes in claiming alters as having the wrong diagnosis can, again, hinder recovery, and with DID being all over social media nowadays, this is becoming more common.

And yet, false diagnosis of DID is a non-issue. In a later study, Suzette Boon, who invented the concept of imitated DID, discussed how only 6 out of the 85 patients in that study were misdiagnosed with DID. In the same paper, she mentions how other studies have shown 26-40% of DID patients will be diagnosed with schizophrenia long before they get a correct diagnosis of DID. And that's just schizophrenia alone, never mind other psychotic disorders, BPD and similar disorders that are often confused with DID.

There is no epidemic of people getting falsely diagnosed with DID.

But there is an epidemic of people with DID and other dissociative disorders being wrongfully diagnosed with other conditions.

Why then, aren't we calling for clinicians to show the same care when diagnosing schizophrenia that we are with them diagnosing DID?

Oh wait, I just thought of 16 billion reasons.

[manicalesc]

Hitler had a family too.

The sympathization over killer-turning-victim, and what we learned from the recent CEO’s shooting in NYC.

Brian Thompson’s two teenage sons and widow are the latest addition to the grieving sea of people surrounding his name, but ironically the only ones who joined it after his death.

Thanks to his fruitful career path of being a healthcare bouncer, thousands of sick people’s coverage claims got denied, resulting in the deaths of at least 2 people.

His major in-office accomplishment is arguably the AI algorithm used to simplify the approval or denial process of insurance claims. More specifically, “the investigation, cited by the lawsuit, found UnitedHealth pressured medical employees to follow an algorithm, which predicts a patient’s length of stay, to issue payment denials to people with Medicare Advantage plans. Internal documents revealed that managers within the company set a goal for clinical employees to keep patients rehab stays within 1% of the days projected by the algorithm.”

The lawsuit, filed in the U.S. District Court of Minnesota, accuses UnitedHealth and its subsidiary, NaviHealth, of using the computer algorithm to “systematically deny claims” of Medicare beneficiaries struggling to recover from debilitating illnesses in nursing homes.

The reality of the matter is that although the shooter, Luigi Mangione, assumed the role of the judge and executioner, Brian Thompson was appointed to play the role of God. And only one of those situations is illegal.

It’s frankly really enticing to add that only one of these situations is morally reprehensible, but this is not true.

“Vigilante justice is fault proof” is not a hill most of us want to die on. Personal acts of violence can never equate to the judicial system, nor do they claim to most of the time. What they have in common, however, is the perpetrator’s objective goal for his initiative to incite a change for the better.

The proposed takeaway from this is the symbolic perception of Mangione’s act, as a telltale of greed, class war and injustice.

Immediately upon news were released, a hope for the class movement was born while a shiver run down the 1%’s spine.

The poor did not rejoice that a man is dead, though they most certainly cheered at the symbolized slaughter of Healthcare Inc.

The opportunity for this incident to awake class consciousness among the lower ranks must not be stifled by the mourning of human life.

Just because monsters die like humans doesn’t mean we have to mourn them.