#international insurance providers

[expatfinancialblog]

expat insurance

Protecting your loved ones when you live abroad is just as important when you are living abroad. International life insurance for expatriates is a fundamental part of any global financial security plan. Expat Financial is one of the few independent international life insurance brokerage sources in the world. We cater to individuals living outside the country that they hold a passport in, who want to buy life or accidental death and dismemberment (AD&D) plans.

contact us

1-604-628-0426

visit: https://expatfinancial.com/international-individual-life-insurance/

[lucasjack11]

A Guide to Selecting the Best Life and Health Insurance Companies in Dubai

In the vibrant city of Dubai, one must protect one's future by procuring appropriate life and health insurance. Given the quantity of available options, locating the ideal suit can be a daunting task. We shall explore the realm of insurance in order to assist you in identifying the most suitable life and health insurance providers that cater to your specific requirements, with an emphasis on National General Insurance (NGI).

Understanding Your Needs

It is imperative to assess one's needs prior to exploring the vast array of insurance providers. Ascertain whether coverage for oneself, one's family, or both is required. Assess your financial responsibilities, long-term objectives, and possible health hazards. This initial phase establishes the groundwork for selecting the most appropriate insurance policy.

Exploring options

Dubai offers a variety of life and health insurance plans. Conduct thorough research to compare the premiums, coverage, and additional benefits provided by various providers. Consider firms that have established a reliable standing, consistent financial health, and a history of promptly resolving claims.

NGI stands for National General Insurance

Notwithstanding the plethora of alternatives, National General Insurance (NGI) emerges as a reputable entity within the insurance sector. NGI is well-known for its extensive coverage and focus on customer satisfaction. The organization provides a comprehensive selection of life and health insurance options that are customized to suit the requirements of individuals and families.

Long-Term Life Insurance

Term life insurance is a favored option among policyholders who are in search of cost-effective protection for a predetermined duration, which generally spans from 5 to 30 years. Beneficiaries will receive a death benefit from this form of insurance in the event that the insured passes away during the policy's term. NGI provides adaptable term life insurance products that feature customizable coverage options and competitive premiums.

Important Things to Think About When You Buy Term Insurance in Dubai

Coverage Amount: Assess the appropriate coverage amount by considering one's financial obligations, such as mortgage payments, outstanding debts, and forthcoming expenditures.

Prepaid Expenses and Affordability: Compare the premiums of various term insurance plans to assess the financial commitment required to purchase them.

Further Advantages: In order to augment your protection, consider term life insurance policies that provide elective riders or add-ons, such as disability benefits or critical illness coverage.

Term life insurance plans from NGI

National General Insurance (NGI) provides policyholders and their loved ones with financial security and peace of mind through a variety of term life insurance plans. By offering policies with adaptable conditions, competitive premiums, and elective endorsements, NGI accommodates a wide range of requirements and inclinations.

Life Insurance Agreement

A life insurance policy safeguards your loved ones financially in the event of your mortality; it is a long-term investment. In the event of the insured's demise, beneficiaries are entitled to a lump-sum payment referred to as the death benefit. When purchasing a life insurance policy in UAE, coverage quantity, affordability of premiums, and policy features should be considered.

Choosing an Appropriate Policy for Life Insurance

Whole Life vs Term Life: Determine whether a whole life or term life insurance policy aligns better with your financial goals and preferences. Whole life insurance companies in Dubai provide coverage for the insured's entire life, while term life insurance offers coverage for a specified period.

Cash Value Accumulation: If you opt for whole life insurance, consider the cash value accumulation feature, which allows you to build savings over time that can be accessed through policy loans or withdrawals.

Process of Underwriting: Acquire knowledge regarding the underwriting procedure entailed in the acquisition of a life insurance policy, encompassing medical examinations, health questionnaires, and premium computations.

Claiming Reputation: Conduct thorough research on the insurer's claim settlement reputation in order to guarantee that your beneficiaries' claims are processed in a timely and trouble-free manner.

Life insurance options provided by NGI

National General Insurance (NGI) is dedicated to delivering all-encompassing life insurance solutions that effectively address its clients' ever-changing requirements. At NGI, we prioritize transparency, dependability, and customer contentment as we provide a number of customized life insurance policies designed to protect your family's financial prospects.

Health Insurance Options from NGI

In the current era of uncertainty, National General Insurance (NGI) recognizes the critical nature of comprehensive health insurance coverage. NGI provides comprehensive health insurance plans that cater to a variety of budgets and requirements, thereby safeguarding individuals and families against unforeseen medical costs and crises.

Conclusion

When searching for the most reputable life and health insurance Companies in Dubai, it is crucial to take into account your specific requirements, preferences, and financial limitations. Through comprehensive investigation, option comparison, and the utilization of the knowledge and assistance of reputable insurance providers such as National General Insurance (NGI), one can obtain a dependable insurance policy that furnishes long-term financial security and tranquility.

[armchairinsurance]

Why Is It Important To Have International Health Insurance if You’re Staying Abroad?

[theood]

I've been making so many adult phone calls recently and now Im playing will my doctor fill my t prescription, they haven't gotten back to me I've been off T since the day after my one month mark, they needed PA for my insurance to cover it, "we'll get back to you in one to two business days" it's been much longer, the pharmacy wont tell me when PA is required leaving me to wait longer, I still don't have a job, I have to call my doctor tomorrow to ask whats going on. If I get told anything with my insurance is fucky, that the PA didn't go through, I have to pay out of pocket I can't afford my T. I was so fucking happy to start it, I was over the moon I FELT happier, I was so excited to wake up every day, I haven't felt like that in so long and it all got torn from under me and I am trying to hard to stay positive and that it will all be okay because it HAS to be okay because I chose to live, because I chose to keep going, because I want to be alive, but all of this really takes it toll and I am just tired. I am so tired of being the adult. I've been playing adult for so long I want to step back and I cant and I have to keep going because that's just life and I just want one stable thing again

I want to be on T again. I want to be happy. I want to be myself. I chose to be happy why is that so hard too keep

[fatliberation]

hi, i'm a fat person who is just starting to learn to love and appreciate my body and i'm very new to the fat community and all that.

i was wondering if you could maybe explain the term ob*se and how it is a slur. i've never heard anything about it being a slur before(like i said, i'm very new here) and was wondering if you could tell me the origin and history of the word or mayy provide links to resources about it? i want to know more about fat history and how to support my community but i'm unsure of how to start

Welcome!

Obesity is recognized as a slur by fat communities because it's a stigmatizing term that medicalizes fat bodies, typically in the absence of disease. Aside from the word literally translating to "having eaten oneself fat" in latin, obesity (as a medical diagnosis) straight up doesn't actually exist. The only measure that we have to diagnose people with obesity is the BMI, which has been widely proven to be an ineffective measure of health.

The BMI was created in the 1800s by a statistician named Adolphe Quetelet, who did NOT sudy medicine, to gather statistics of the average height and weight of ONLY white, european, upper-middle class men to assist the government in allocating resources. It was never intended as a measure of individual body fat, build, or health. 

Quetelet is also credited with founding the field of anthropometry, including the racist pseudoscience of phrenology. Quetelet’s l��homme moyen would be used as a measurement of fitness to parent, and as a scientific justification for eugenics.

Studies have observed that about 30% of so-called "normal weight" people are "unhealthy" whereas about 50% of so-called "overweight" people are “healthy”. Thus, using the BMI as an indicator of health results in the misclassification of some 75 million people in the United States alone. "Healthy" lifestyle habits are associated with a significant decrease in mortality regardless of baseline body mass index.  

While epidemiologists use BMI to calculate national "obesity" rates, the distinctions can be arbitrary. In 1998, the National Institutes of Health lowered the overweight threshold from 27.8 to 25—branding roughly 29 million Americans as "overweight" overnight—to match international guidelines. Articles about the "obesity epidemic" often use this pseudo-statistic to create a false fear mongering rate at which the United States is becoming fatter. Critics have also noted that those guidelines were drafted in part by the International Obesity Task Force, whose two principal funders were companies making weight loss drugs. Interesting!!!

So... how can you diagnose a person with a disease (and sell them medications) solely based upon an outdated measure that was never meant to indicate health in the first place? Especially when "obesity” has no proven causative role in the onset of any chronic condition?

There is a reason as to why fatness was declared a disease by the NIH in 1998, and some of it had to do with acknowledging fatness as something that is NOT just about a lack of willpower - but that's a very complicated post for another time. You can learn more about it in the two part series of Maintenance Phase titled The Body Mass Index and The Obesity Epidemic.

Aside from being overtly incorrect as a medical tool, the BMI is used to deny certain medical treatments and gender-affirming care, as well insurance coverage. Employers still often offer bonuses to workers who lower their BMI. Although science recognizes the BMI as deeply flawed, it's going to be tough to get rid of. It has been a long standing and effective tool for the oppression of fat people and the profit of the weight loss industry.

More sources and extra reading material:

How the Use of BMI Fetishizes White Embodiment and Racializes Fat Phobia by Sabrina Strings

The Bizarre and Racist History of the BMI by Aubrey Gordon

The Racist and Problematic History of the Body Mass Index by Adele Jackson-Gibson

What's Wrong With The War on Obesity? by Lily O'Hara, et al.

Fearing The Black Body: The Racial Origins of Fat Phobia by Sabrina Strings

[lloydskywalkers]

drywall

went to go work on raising hell and ended up missing Skylor, so!! I will always have so many emotions about s8/9 and the aftermath of it, here's another gallon of them.

Two months after they’ve taken back the city and the street lights are finally starting to work again, Lloyd shows up at the restaurant an hour past closing time, sporting a spectacularly bruise and enough blood across his gi to make the Ninjago City Blood Drive team’s day. 

“Hi, Sky.” Lloyd waltzes — or attempts to, it’s more of a stumbling collapse — right in as if nothing’s amiss in the slightest. “Sorry, I’m, uh. Was in the neighborhood and I wasn’ sure…where else t’ go.”

Skylor, still frozen over a stained tabletop with her dishtowel in hand, stares at him. 

All things considered, she should be fully prepared for something like this. It should practically be in her restaurant’s training manual, that at some point you’ll end up confronted with a bloody, half-dead ninja in your door. But given how slow the past few weeks have been, coupled with the sheer exhaustion of dealing with the lunch rush and the dinner rush and the late-night somewhat-inebriated people rush, her guard is apparently down enough to leave her reacting with a simple, useless, “Oh god.”

“Tha’s my grandfather,” Lloyd says. There’s blood at the corner of his mouth — coupled with the bruising, Skylor thinks (hopes) it’s simply from split skin or a bitten cheek, instead of crippling internal bleeding. 

Crippling internal bleeding is enough of a concern to finally spur her into action, dropping her towel and rushing over to help Lloyd finish stumbling through the door. She spares a moment of thanks, that there’s even a door at all — repairs in the city have been slow, since Harumi’s brief reign of terror, and the insurance provider is still holding out on her. 

But the door was a good thing to prioritize, she thinks, bolting it firmly behind them. 

“Sorry, again,” Lloyd murmurs. His jaw is working in the tight way it does when he’s biting back pain, his bottom lip bruised and bleeding. Skylor’s stomach twists. 

You’d think, after all she’s been through, she’d be more accustomed to seeing the people she cares about in pain. That she’d be desensitized enough, to fight back the aching nausea and the gnawing desire to look away. 

Or maybe she’s just a coward. That would track, she thinks. 

“Shush,” she says instead, maneuvering Lloyd further into one of the nicer booths, careful of the blood that’s…everywhere. “What did you do to yourself this time, huh?”

“I didn’t do anything,” Lloyd grumbles, his voice steadier now that he’s sitting down. Unfortunately, he’s only paler under the yellowy restaurant lights, and the blood looks about ten times worse. “I just…slipped. A bit.”

Slipped. Skylor could smack him, if he wasn’t already hurt. 

“Lemme see, then.” She bends down to where she can tug the folds of his gi back, trying to trace the blood to a source. She finally finds it — an ugly wound in his left shoulder, several long gashes across his forearm. A knife, maybe. Possibly a sword, but it looks close-up and quick. It’d need to have been quick, for whoever was wielding it to land this many hits. 

Or Lloyd would have to be sloppy. 

Lloyd gives a stifled, shuddery exhale, a dangerous preamble to tears. Skylor pauses, just for a moment, and deliberates. 

She’s got Nya’s number, carefully keyed into her phone ever since she and Kai started visiting the noodle house. There’s no doubt in her mind that she’d want to know about this — and there’s less doubt that Kai would want to know. if anything, she’s surprised he hasn’t burst through the restaurant doors already, summoned by whatever sixth sense he has that goes off when Lloyd’s in danger. 

But Skylor also knows there’s got to be a reason that Lloyd came here, despite his claims. Just as there’s probably a reason he didn’t call Kai or Nya, or any of the others. 

And perhaps she feels just a little proud, that Lloyd’s chosen her to come to. 

It’s quickly lost in the blood that coats her hands as she begins patching the wound in his shoulder, but the feeling’s there nonetheless. 

It’s a nice feeling, being relied on. Being trusted. 

“Who got you this bad?”

She speaks up mostly to break the quiet. Lloyd isn’t quite like Kai, who likes talking simply to fill a space, but she knows he isn’t fond of silence, either. It’s one of the things they share in common. 

“No one.” Lloyd sucks in a breath as she draws the bandage tight across his shoulder, wrapping it beneath his arm and back over. His eyes close briefly as she ties it off, forehead scrunching up, before he lets out another shuddery exhale. “Some guy, uh — guy on the way home, near the subway. I had answered a call earlier, and I guess — ow, hey—” 

“Sorry,” Skylor winces, as she finishes dumping antiseptic across the slashes on his arm. “It hurts less if you aren’t expecting it.”

“That’s a lie,” Lloyd says, pointedly. 

She shrugs. “So, random subway mugger?”

Lloyd looks away, his cheeks darkening. It’s a relief, to see any color in his face at all. “Sort of.”

He leaves it at that, lapsing back into silence. Skylor looks down, focusing on the butterfly stitches she’s placing across his arm. Were it anyone else, she’d have panicked for actual stitches, but Lloyd heals with an uncanny quickness. She remembers Nya complaining about it, back during the Resistance — how Lloyd threw a fit when his skin healed over the stitches, and they’d had to cut him open all over again. 

She’d probably throw a fit of her own, to be fair. 

“Well, if you see him,” she says, reaching for the roll of bandages. “Point him out. I could use a punching bag.”

Lloyd’s lips quirk, a ghost of a smile. 

“Thank you.”

It’s quiet enough she might’ve missed it, if they were any further apart. Skylor doesn’t miss the meaning, either. She simply shakes her head, wrapping another layer around his arm. 

“I’m just glad you came to someone,” she says. “Instead of half-assing it yourself.”

Lloyd’s fingers twitch. “I wouldn’t do that.”

“Uh-huh.”

She can’t pretend she doesn’t understand. Her childhood is filled with fun little memories of patching herself together, hiding wounds from Clouse or her father in an attempt to convince them she was better than she was.

Not that the people Lloyd is hiding from are anything remotely like her father, of course, but there’s an overlap between people you fear and people you love, and trying to convince them you’re stronger than you are. 

“That should do it,” she nods to herself, surveying her work. She feels unusually proud of herself — Skylor’s never really stayed with a team long enough to have many chances to patch people up. It’s rarer that people are so open to her touching them, once they’ve learned what her power is. The ninja are an exceedingly kind exception, but it still makes her feel warm, being given this kind of trust. 

She glances up, eyeing her patient. Lloyd’s still pale, but it’s far better than the ashy color from earlier anymore. “Anywhere else?”

“No.” Lloyd stares at the strip of bandages across his arms, shoulders hunched over on himself.

“I have Nya on speed dial, you know—”

“Its just a few scrapes,” Lloyd rolls his eyes. “It’s nothing.”

Skylor sighs. “Lemme see.”

Lloyd grumbles, but he lets her grab his arm again, wincing as she dabs antiseptic over the smaller cuts. There’s nothing serious — just a few nicks and scratches, the kind you get from eating the ground mid-fight. He’s got one uglier scrape, but it’s about as nasty as a skinned knee, and easily eclipsed by the scar it bleeds through. 

Her fingers falter. She knows this scar — she was there when Kai struggled to patch the wound it once was, back on her father’s island. It’s an ugly, jagged scar, a testament to how Kai’s hands had shook as he’d tried to be gentle. 

In hindsight, it had been a terrible moment. Kai wasn’t sure if Lloyd had picked up the wound from the underground tunnels, Chen’s cultists, or his own brief slip into the madness of the staff. Lloyd wouldn’t say where it was from, even if either of them had been much for talking. And Skylor had been an awkward, purple-scaled fixture next to them, holding the medical kit while the others planned how to kill her father. 

And yet, it was the lightest she’d ever felt. 

Skylor bites her lip. 

She’s never told Lloyd, what exactly he’d meant to her. He likely has no idea, what he’d represented when she’d first met him. 

The son of one of Ninjago’s greatest villains — and people loved him. 

Kai loved him. 

If Lloyd could overcome the hurdle of his parentage and choose to live the way he wanted, if people could look past the dark stain of his legacy and love him anyways, then maybe—

He’d been hope, when she needed it most. And Kai had lived up to that hope, taking Skylor’s half-formed, frail dream and fueling it into a blaze.

Her eyes close, briefly, and she shivers. 

“Are you okay?”

Blinking her eyes back open, she comes face to face with Lloyd’s concerned expression. She shakes her head, looking away. 

“I’m fine, I’m fine.” Embarrassment pulls at her. “Just a bit of…aftershocks. You know.”

Lloyd frowns, clearly not knowing. “Aftershocks,” he repeats. “From…”

His eyes go wide, only for his expression to immediately crumple. “Oh.”

Skylor waves her hands. “It’s not bad,” she reassures him. “I can barely feel him — his power — anymore. Just pins and needles in my hands sometimes, that’s all. Totally…totally normal.”

She hopes. Garmadon’s power had burned, in the way bitter cold feels against your skin, so a bit of numbness is pretty decent tradeoff, if she says so herself. 

Lloyd looks down, expression shadowed and hidden. Skylor could curse herself — she knows better, than to bring up—

“Here.” Lloyd’s suddenly holding his hand out, looking at her earnestly. It’s an almost childish expression of sincerity, one that makes him look much younger — a little more like the Lloyd she met on her father’s island, who beamed when his father ruffled his hair. 

Her chest aches fiercely, and Skylor holds out her hand before she can hesitate. Lloyd takes it carefully in his own, and she watches in fascination as the low shimmer of green engulfs her fingers. Lloyd’s power is as gentle as he is — nothing like the ravaging purple storm that was his father’s. 

“Oh,” she says. “That’s nice.”

Lloyd makes a humming noise. “I’ve been practicing. H-his power doesn’t get along with mine, that much. So it kinda…makes room. For whoever’s stronger, at the moment.”

Skylor fights back a shudder. Realistically, she knows she shouldn’t feel ashamed, that Garmadon overpowered her — he’s Garmadon. The reminder of how his power felt still stings, though. 

It’s a reassurance, that Lloyd’s power is stronger now. His element, if you can even call it that, is probably the one she’s the least familiar with — she’s never tried to copy Lloyd’s power. She isn’t entirely sure if she could, or if she should. Dipping into Garmadon’s power was dangerous enough. Skylor isn’t stupid enough to pretend she has the willpower to meddle with the power of the FSM’s family much more than that. 

“It feels like cheating, kinda,” she finally says. “That fighting fuels his power. How are you supposed to fight back?”

Lloyd shrugs, letting her hand go. “You don’t. You get really good at dodging.”

Skylor leans forward, propping her chin up in her palms. “That’s stupid.”

“Well,” Lloyd’s lips twitch, just the slightest bit. “That’s Garmadon, so.”

His expression immediately fractures, and Skylor can spot the battle in his eyes as he tries to grasp for composure. Her teeth worry at her lip.

She should really call Nya, now. Or try to track down Kai’s number. Or anyone else — it’s nearly two hours past closing, the kitchen’s still a mess, and Lloyd’s blood is all over her dishrags. Lloyd himself is hardly in better shape, the ghostly pale of his skin reminding her horribly of when she first saved them from the Sons of Garmadon, and Skylor is—

Not enough. 

She ought to know that, by now.

But the fact still stands, that Lloyd came to her. A part of her clings to that, and another selfish, awful part of her, the part that festered on her father’s island for so many years, the part that still flinches beneath the weight of her last name — well. 

Misery loves company, is probably the best way to put it. 

“I should…I should probably get going,” Lloyd says, uncertainly. He doesn’t make any move to get up, though, still small and weary where he’s hunched up in her booth. 

Skylor stares at him, and thinks of sitting for hours on the edge of her father’s island, staring at the sun on the water until her eyes ached. 

“Hey,” she says, a bit breathless, twisting her fingers together. “Wanna go skip rocks?”

Quite fairly, Lloyd stares at her like she’s lost her mind. 

They end up on the rickety end of one of Ninjago City’s abandoned docks anyways, a mismatched selection of somewhat flat rocks spilling out of a Chen’s to-go bag. Lloyd’s left arm is tied up in a mangled sort of sling they fashioned from Skylor’s old sweatshirt, leaving him to turn a rock over in his right hand awkwardly. 

“So, funny thing,” he says. “I don’t, uh. I’m not very good at this.”

“That’s okay,” Skylor says, sifting through the rocks they’ve gathered. “I’m not, either.”

“Yeah?” Lloyd sounds hopeful. “I mean, you at least know the trick to it, right?”

“I don’t,” she shrugs. “I’ve never…I’ve never skipped rocks before.”

Lloyd stares at her. 

“It’s not that weird,” she huffs, fighting back the urge to hide. “I mean, I never really had the chance, but I aways thought — I grew up near the ocean, and all these lakes, so I always thought it’d be fun to, y’know, skip rocks, since I didn’t really have…anyone else, to…”

The rest of the sentence is about to turn even more humiliating, so it’s a relief when Lloyd interrupts her. 

“I haven’t either.” 

He immediately flushes. “That’s why I’m not good at it.’Cause I’ve never actually skipped rocks.” 

“Oh.” Skylor looks at their bag, then back up at him. “Well, cool. We’ll both suck, then.”

“How hard can it be, anyways?” Lloyd says, sorting through their rocks. “You just find a flat one, right?”

“Yeah,” Skylor says. “Then you sort of just, frisbee it. I think.”

“Hm.”

“You haven’t thrown a frisbee either, have you.”

“Oh, like you have.”

Skylor presses her lips together, snorting. “Was wondering when your snark was gonna show back up.”

“I have no idea what you’re talking about.”

“Do you not remember half the stuff that came out of your mouth, back at the tournament?”

“You would’ve been out of your mind too, if you had to herd the guys around then — also, bold words coming from you, ooh, how dare you call me a traitor, even though it’s totally dead-on—”

“That wasn’t even close to what I said, and also—” Skylor snatches a smooth rock before Lloyd can, hefting it up. “It’s not like I was gonna admit to you all I was a traitor. That defeats the whole purpose of betraying. Lying my way out of a corner was the smart choice.”

“You’d be surprised,” Lloyd mutters, as Skylor flings her rock across the water.

They both watch as it splashes sadly, sinking instantly like, well. A rock. 

“Okay,” Skylor cringes. “That was a warm-up.”

Several warm-ups later, neither of them have made any progress whatsoever, save to torment whatever fish are hanging out on this side of Ninjago City’s harbor with relentless rock barrages. 

“This is ridiculous,” Lloyd huffs, watching as his rock all but torpedoes into the water. “What’s wrong with us, that we can’t get one stupid rock to skip?”

“Maybe it’s in the wrist?” Skylor flexes her hand, angling it one way then another. She winds ups, throws the rock out, and — nope. 

“I think we’re getting worse,” Lloyd remarks as Skylor sputters, wiping the seawater that splashed up from her face. 

She can’t help but agree. They’re down to a few rocks left, and neither of them have made any progress, much less skipped a single rock. At some point, they give up altogether, seeing who can throw their rock out the furthest instead. 

“This one’s going…” Lloyd raises his arm, closing one eye and squinting as he angles higher. He finally pauses with his hand pointing upwards toward Ninjago City. “Right through that weird oval thing on Borg Tower.” 

“Don’t hit it too hard,” Skylor says. “They just got it back up last week.”

“I’m not hitting it, it’s going through it, weren’t you listening?”

“To you? Nah. I’ve heard you suck at public speaking.”

“Wow, after you forced me into the live broadcast and everything—”

As if to emphasize his distress, Lloyd takes a running start, hurling the rock forward. They watch as it arcs across the skyline, before plummeting somewhere in the harbor. 

“So close,” Skylor murmurs. 

Lloyd flops on the ground with a dull thump, legs sprawling in front of him as he leans back on his elbows. Skylor’s makeshift sling isn’t doing much at all anymore, though it looks like he doesn’t need it to.

That, or he’s hiding pain stupidly well. Which wouldn’t be surprising, if disappointing. 

“Defeated,” he mourns. “Overthrown by rocks.”

Skylor dusts gingerly at the ground before sitting next to him. “They sure got the best of us, this time.”

“Maybe it’s a learning curve,” he says. “That or we missed, like, the optimal rock-skipping development time.”

“Mmh. Maybe we need to recruit a teacher who actually had a decent childhood.”

“If you find someone, lemme know.”

They both laugh, breathless and hollow, because they’re not much else they can say, to that. 

Lloyd sits up suddenly, pulling his knees to his chest. His arms wrap tightly around them, eyes glued forward. Instead of asking, Skylor follows his gaze to the skyline of Ninjago City, the darkened scars left behind by Garmadon and Harumi painfully pronounced this late at night. 

It couldn’t have been longer than two weeks, could it? Their rule over the city?

It feels like years.

She can’t imagine what it must’ve been like for the others — can’t imagine what it was like, ending it. 

It pains her, but Skylor doesn’t remember much of Garmadon’s defeat. She’d thrown everything she had into controlling his power, and when it had snapped back on her, ravaging through her like a cloying poison, everything had gone dark and hazy. 

It kind of sucks, because she’d done all that just to miss the most important parts, but…it is what it is.

What she does remember, besides Nya’s steady voice and Dareth’s panicked yelling, is the blazing warmth that was Lloyd carrying her.

That and his painfully bony shoulder digging into her stomach. 

“I was trying not to get us crushed,” Lloyd mutters, cheeks turning pink. “Sorry my shoulder wasn’t up to cushion-y standards.”

“And I’m trying to say thank you,” Skylor sighs. “But seriously. Put something on those bones.”

“Meh meh meh,” Lloyd mocks. There’s a lack of his usual energy in the action, the dullness to his eyes only made worse by the bruise-like circles beneath them. But it’s still very Lloyd — a flash of the friend she knows. 

“I really do mean it,” she says. “Thank you. For carrying me out of there. For saving me.”

Lloyd stares at her with dark eyes. Not as dark as they were, back when he’d lost his power, but the glow is almost entirely absent.

“You shouldn’t—” he bites off, frustrated. He tosses the rock he’s holding, up and down. “It was never a question.”

He glances at her. “Besides,” and there’s the closest she’s seen to a real smile. “You saved us first.”

Not nearly soon enough, she thinks. 

She should’ve told him, should have asked — should have let him know how it felt to watch her father fall deeper into madness, told him what it felt like to lose hope — what it meant, to move on. 

To cut ties, before they strangled you. 

“How are you,” she says, as gently as she can. Then, because gentle doesn’t always get you through the walls they build— “For real. Not how people want to hear you’re doing, or the answer you think they want. How are you.” 

Lloyd stiffens. There’s a flicker of fear in his expression, his mouth moving on instinct. 

“I’m doing okay.”

Tremors lace through his hand where he holds the rock, shuddering fingers tracing over the rough surface. 

“Okay as I can be.” He looks down, the rock slipping from his fingers as his arms wrap around himself. “I know that isn’t the answer you want, but I don’t…”

He looks back up, the lights of Ninjago City misty in his eyes.  

“I don’t know what people want me to say,” he whispers. 

Skylor wishes he’d screamed it. Wishes he’d snap, wishes he’d find the anger where it simmers inside him and turn it outwards against the world, rather than violently projecting it inwards like a masochistic missile all the time. Anything at all, instead of this hollow brokenness. 

It reminds Skylor a bit too much of—

Well. 

“I know I — things are—” Lloyd swallows. He pauses, raising his hand to scrub at an already-bloodshot eye. “Everything happened so fast. It was like — like getting hit with a bus, then another bus, then she — put the bus in reverse and ran me back over, and I never really had the chance to…to…”

“To get back up?”

Lloyd nods. He picks absently at a bloodstained patch on the leg of his gi. “And I know that’s just a stupid metaphor, but getting back up is…it’s really—”

Lloyd’s pulling threads loose now, tugging hard enough that he’s likely to start unraveling holes in his gi. 

“Can I tell you something? Something that’s not…not so good.”

“Hey, you know me.” Skylor elbows him. “I’m an expert at not-good.”

Lloyd’s eyes are a little too knowing. “You’re really not.”

And she’d turn a mirror on him, if she could. “What is it, then?”

Lloyd looks away, one unusually-sharp tooth gnawing at his lip. 

“I know my dad — my dad I used to have — he loved me. I know he did.” Lloyd sounds, rather devastatingly, like he’s trying to convince himself. “But now that he’s…now that he’s like this, and after everything that happened, I almost wish — I almost—”

He cuts off, covering his face with his hands. “Never mind.”

Skylor stays still, her gaze fixed ahead on a dark spot in the city skyline. If it were her, she’d want—

Lloyd’s voice is a muffled whisper. “I wish he’d never loved me at all.”

Skylor lets out a long, shaky breath. 

Lloyd gives a dry, horrible kind of laugh. “That’s terrible, isn’t it? It’s so selfish, it’s — I’m a horrible person, for thinking that way. But it — it hurts now, to think that — that maybe, now that I’m different — and her — that even my dad—” 

“It hurts,” she murmurs. “To lose it. To think that it’s your fault.”

Lloyd brings his arms over his head, the bandages on his left arm a stark white in the dimness as he buries his face in his knees. Curling up, as if he can make himself small enough the world will finally forget he exists. 

Skylor’s…familiar. 

But then again, is she? 

She swallows. Her father was one thing, but if — if he came back now, after she’s worked so hard to move on — at the height of his madness, what would she do? 

She’s out of her depth, as she’s always been.

But there was a reason she answered the call so fervently, a reason she followed Lloyd without hesitation. Skylor doesn’t put much stock in the Green Ninja, doesn’t put much in any kind of prophecy. But she does care, very much, about Lloyd, and she thinks that’ll take her a bit farther.

“You know.” She looks down, running her finger over their last rock. “You were one of the first people that gave me any hope that I could change. That, uh, someone could love me.”

Lloyd startles, emerging just enough that she can see the green of an eye. “Huh? Me?”

She nods. “Back on my father’s island, during the tournament. I was convinced that…that after everything I’d done, with who I was, there wasn’t a chance I’d find someone who loved me.”

Lloyd frowns, lowering his arms so he can look at her fully. “But I didn’t — Kai was the one who reached out to you. He was the one that saw you. I didn’t…I didn’t really do anything.”

“Yeah. He did. But he reached out to you, first.”

Lloyd stares at her, eyes wide. Skylor smiles at him. “You were good. No matter how bad your family had been. And it…it had been okay, for you.” 

The mistiness returns to Lloyd’s eyes as he looks back to the skyline, his lip caught tightly between his teeth. 

“We’re doing okay, right?” Skylor pulls her own knees up to her chest. “You and me. I mean, we helped, a lot. We fought back for the city. You did a lot more than me, obviously, but—”

“Don’t say that,” Lloyd sounds pained. “Don’t compare it, like I’m — I do a lot more harm than good, sometimes.”

“You don’t say that,” Skylor snaps. 

Lloyd flinches. She bows her head, staring down at her feet. 

“We’re good,” she says, hating the way her voice wobbles. “We’re different.”

It’s occurring to her, how cold it is out here on the water. She hopes Lloyd doesn’t get home with a cold, on top of everything else. 

“We’re different,” Lloyd echoes.

“Yeah.” Skylor swallows. “That has to count for something, right?”

Lloyd makes a small noise, but it isn’t one of disagreement. There’s a rustling as he reaches for the bag, then holds out their final, sad rock. 

“Wanna give it the last try?” He gives her a crooked, half smile. “Make it count?”

Her fingers close over the rough surface, cold against the warmth of his hand. 

The brightness of the sun against water on her father’s island in her eyes, Skylor flings the rock as hard as she can, far enough that it’s swallowed entirely by the harbor darkness. 

If she tries, she can imagine it skipping, just once, across the freezing waters. 

She tells herself, it counts anyways.

[mayakern]

upcoming store stuff & why we're doing a super sale

omg hiiii it's devin again, and this time i'm bringing store news

the short version: we're moving ourselves back to minnesota, and we're moving order fulfillment to a fulfillment center

wow, that's big news! maya and i are so so so excited to be closer to our minnesota friends (and also my family lol). i'm hoping to be back in northeast minneapolis, but let's be real we're probably gonna get priced out and into the suburbs

in addition to that, due to a variety of reasons i'll explain in more detail below, we're transitioning from in-house fulfillment to working with a fulfillment center (or 3pl, short for third-party logistics). we're at an awkward size that makes staffing difficult and have had issues with extended processing time. the 3pl should be set up by september, and we're working on the back end to have fulfillment centers in australia, canada, the UK, and eventually the EU. if tax authorities work with us we should have all that ready by december 2024!

to prepare for that we're doing a super sale. ash told me not to call it liquidation but she said that like 30 seconds after i hit send on the marketing email, sorry about that. items that we don't want to pay to move to the 3pl are discounted by 25-70%, with some of them priced at cost. under no circumstances will anything ever be 70% off again

if you're nosy you can read the q&a i made up in my head while eating pigs in a blanket:

how are the labor protections at the 3pl?

pretty good! we were shocked to find anything even halfway decent in the US; we went looking for a fulfillment center in the EU to handle all international fulfillment, and the one we found just so happened to have bought a US location two years ago.

they're located in ohio, pay $19/hr, and provide health insurance and 401k matching. that seemed too good to be true so we dug through employee reviews on places like glassdoor, and while there were some bad reviews those were all dated prior to when the facility was purchased by this new company. they also have a very low turnover rate which is a HUGE green flag

why are you transferring to a 3pl?

the serious

sometimes we have a high volume of sales, and it makes sense to have two full-time employees plus a part timer! but usually we have a low-to-medium volume of sales. we can float by on that, but it gets risky, and the economy is in a bad enough state that we're concerned about the longevity

related, the 2023 holiday sale showed us some major flaws in our fulfillment process. if the same issues were to happen this year the business probably wouldn't survive

we're moving cross-country in early 2025 and would've had to close this location anyway

the dumb:

i'm sick of dealing with commercial landlords and if i have one more wall leak i'm going to throw it into the river brick by brick

what about your staff?

unfortunately we will have to say goodbye to our office staff. they have been given 3.5 months notice and no-questions-asked PTO for interviews with a small severance

why are you moving back to minnesota?

troy was always meant to be a temporary move. initially the plan was to move to vermont or massachusetts, but after being out here for 7 years we just kinda want to go home. the weather in troy is perfect for us, we love the mountains, and we have some great friends here, but for some goddamn reason we want our eyelashes to freeze together.

will you be returning to midwest cons?

if we return to cons at all it will be with ariel and/or ash running the booth, maya will not be involved. this would likely be in california and/or in the northeast US.

my friends are begging me to go to CONvergence as an attendee so ig you might see me there? maya has pledged death before crowded venues tho

will you do any local events in minnesota?

we might do sample sales. honestly idk what we're gonna do with the samples we have in troy, most of them are terrible. do you want samples of the strangest low rise bell bottom pants ever created? please take them from me. my bush hangs out

also my kid brother has gotten really into library events and if he asks nice enough we might do some of those

is there anything else?

i mean probably, but i started this last week and i haven't had any other ideas on what to include

[mostlysignssomeportents]

Cigna’s nopeinator

I'm touring my new, nationally bestselling novel The Bezzle! Catch me THURSDAY (May 2) in WINNIPEG, then Calgary (May 3), Vancouver (May 4), Tartu, Estonia, and beyond!

Cigna – like all private health insurers – has two contradictory imperatives:

To keep its customers healthy; and

To make as much money for its shareholders as is possible.

Now, there's a hypothetical way to resolve these contradictions, a story much beloved by advocates of America's wasteful, cruel, inefficient private health industry: "If health is a "market," then a health insurer that fails to keep its customers healthy will lose those customers and thus make less for its shareholders." In this thought-experiment, Cigna will "find an equilibrium" between spending money to keep its customers healthy, thus retaining their business, and also "seeking efficiencies" to create a standard of care that's cost-effective.

But health care isn't a market. Most of us get our health-care through our employers, who offer small handful of options that nevertheless manage to be so complex in their particulars that they're impossible to directly compare, and somehow all end up not covering the things we need them for. Oh, and you can only change insurers once or twice per year, and doing so incurs savage switching costs, like losing access to your family doctor and specialists providers.

Cigna – like other health insurers – is "too big to care." It doesn't have to worry about losing your business, so it grows progressively less interested in even pretending to keep you healthy.

The most important way for an insurer to protect its profits at the expense of your health is to deny care that your doctor believes you need. Cigna has transformed itself into a care-denying assembly line.

Dr Debby Day is a Cigna whistleblower. Dr Day was a Cigna medical director, charged with reviewing denied cases, a job she held for 20 years. In 2022, she was forced out by Cigna. Writing for Propublica and The Capitol Forum, Patrick Rucker and David Armstrong tell her story, revealing the true "equilibrium" that Cigna has found:

https://www.propublica.org/article/cigna-medical-director-doctor-patient-preapproval-denials-insurance

Dr Day took her job seriously. Early in her career, she discovered a pattern of claims from doctors for an expensive therapy called intravenous immunoglobulin in cases where this made no medical sense. Dr Day reviewed the scientific literature on IVIG and developed a Cigna-wide policy for its use that saved the company millions of dollars.

This is how it's supposed to work: insurers (whether private or public) should permit all the medically necessary interventions and deny interventions that aren't supported by evidence, and they should determine the difference through internal reviewers who are treated as independent experts.

But as the competitive landscape for US healthcare dwindled – and as Cigna bought out more parts of its supply chain and merged with more of its major rivals – the company became uniquely focused on denying claims, irrespective of their medical merit.

In Dr Day's story, the turning point came when Cinga outsourced pre-approvals to registered nurses in the Philippines. Legally, a nurse can approve a claim, but only an MD can deny a claim. So Dr Day and her colleagues would have to sign off when a nurse deemed a procedure, therapy or drug to be medically unnecessary.

This is a complex determination to make, even under ideal circumstances, but Cigna's Filipino outsource partners were far from ideal. Dr Day found that nurses were "sloppy" – they'd confuse a mother with her newborn baby and deny care on that grounds, or confuse an injured hip with an injured neck and deny permission for an ultrasound. Dr Day reviewed a claim for a test that was denied because STI tests weren't "medically necessary" – but the patient's doctor had applied for a test to diagnose a toenail fungus, not an STI.

Even if the nurses' evaluations had been careful, Dr Day wanted to conduct her own, thorough investigation before overriding another doctor's judgment about the care that doctor's patient warranted. When a nurse recommended denying care "for a cancer patient or a sick baby," Dr Day would research medical guidelines, read studies and review the patient's record before signing off on the recommendation.

This was how the claims denial process is said to work, but it's not how it was supposed to work. Dr Day was markedly slower than her peers, who would "click and close" claims by pasting the nurses' own rationale for denying the claim into the relevant form, acting as a rubber-stamp rather than a skilled reviewer.

Dr Day knew she was slower than her peers. Cigna made sure of that, producing a "productivity dashboard" that scored doctors based on "handle time," which Cigna describes as the average time its doctors spend on different kinds of claims. But Dr Day and other Cigna sources say that this was a maximum, not an average – a way of disciplining doctors.

These were not long times. If a doctor asked Cigna not to discharge their patient from hospital care and a nurse denied that claim, the doctor reviewing that claim was supposed to spend not more than 4.5 minutes on their review. Other timelines were even more aggressive: many denials of prescription drugs were meant to be resolved in fewer than two minutes.

Cigna told Propublica and The Capitol Forum that its productivity scores weren't based on a simple calculation about whether its MD reviewers were hitting these brutal processing time targets, describing the scores as a proprietary mix of factors that reflected a nuanced view of care. But when Propublica and The Capitol Forum created a crude algorithm to generate scores by comparing a doctor's performance relative to the company's targets, they found the results fit very neatly into the actual scores that Cigna assigned to its docs:

The newsrooms’ formula accurately reproduced the scores of 87% of the Cigna doctors listed; the scores of all but one of the rest fell within 1 to 2 percentage points of the number generated by this formula. When asked about this formula, Cigna said it may be inaccurate but didn’t elaborate.

As Dr Day slipped lower on the productivity chart, her bosses pressured her bring her score up (Day recorded her phone calls and saved her emails, and the reporters verified them). Among other things, Dr Day's boss made it clear that her annual bonus and stock options were contingent on her making quota.

Cigna denies all of this. They smeared Dr Day as a "disgruntled former employee" (as though that has any bearing on the truthfulness of her account), and declined to explain the discrepancies between Dr Day's accusations and Cigna's bland denials.

This isn't new for Cigna. Last year, Propublica and Capitol Forum revealed the existence of an algorithmic claims denial system that allowed its doctors to bulk-deny claims in as little as 1.2 seconds:

https://www.propublica.org/article/cigna-pxdx-medical-health-insurance-rejection-claims

Cigna insisted that this was a mischaracterization, saying the system existed to speed up the approval of claims, despite the first-hand accounts of Cigna's own doctors and the doctors whose care recommendations were blocked by the system. One Cigna doctor used this system to "review" and deny 60,000 claims in one month.

Beyond serving as an indictment of the US for-profit health industry, and of Cigna's business practices, this is also a cautionary tale about the idea that critical AI applications can be resolved with "humans in the loop."

AI pitchmen claim that even unreliable AI can be fixed by adding a "human in the loop" that reviews the AI's judgments:

https://pluralistic.net/2024/04/23/maximal-plausibility/#reverse-centaurs

In this world, the AI is an assistant to the human. For example, a radiologist might have an AI double-check their assessments of chest X-rays, and revisit those X-rays where the AI's assessment didn't match their own. This robot-assisted-human configuration is called a "centaur."

In reality, "human in the loop" is almost always a reverse-centaur. If the hospital buys an AI, fires half its radiologists and orders the remainder to review the AI's superhuman assessments of chest X-rays, that's not an AI assisted radiologist, that's a radiologist-assisted AI. Accuracy goes down, but so do costs. That's the bet that AI investors are making.

Many AI applications turn out not to even be "AI" – they're just low-waged workers in an overseas call-center pretending to be an algorithm (some Indian techies joke that AI stands for "absent Indians"). That was the case with Amazon's Grab and Go stores where, supposedly, AI-enabled cameras counted up all the things you put in your shopping basket and automatically billed you for them. In reality, the cameras were connected to Indian call-centers where low-waged workers made those assessments:

https://pluralistic.net/2024/01/29/pay-no-attention/#to-the-little-man-behind-the-curtain

This Potemkin AI represents an intermediate step between outsourcing and AI. Over the past three decades, the growth of cheap telecommunications and logistics systems let corporations outsource customer service to low-waged offshore workers. The corporations used the excuse that these subcontractors were far from the firm and its customers to deny them any agency, giving them rigid scripts and procedures to follow.

This was a very usefully dysfunctional system. As a customer with a complaint, you would call the customer service line, wait for a long time on hold, spend an interminable time working through a proscribed claims-handling process with a rep who was prohibited from diverging from that process. That process nearly always ended with you being told that nothing could be done.

At that point, a large number of customers would have given up on getting a refund, exchange or credit. The money paid out to the few customers who were stubborn or angry enough to karen their way to a supervisor and get something out of the company amounted to pennies, relative to the sums the company reaped by ripping off the rest.

The Amazon Grab and Go workers were humans in robot suits, but these customer service reps were robots in human suits. The software told them what to say, and they said it, and all they were allowed to say was what appeared on their screens. They were reverse centaurs, serving as the human faces of the intransigent robots programmed by monopolists that were too big to care.

AI is the final stage of this progression: robots without the human suits. The AI turns its "human in the loop" into a "moral crumple zone," which Madeleine Clare Elish describes as "a component that bears the brunt of the moral and legal responsibilities when the overall system malfunctions":

https://estsjournal.org/index.php/ests/article/view/260

The Filipino nurses in the Cigna system are an avoidable expense. As Cigna's own dabbling in algorithmic claim-denial shows, they can be jettisoned in favor of a system that uses productivity dashboards and other bossware to push doctors to robosign hundreds or thousands of denials per day, on the pretense that these denials were "reviewed" by a licensed physician.

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

https://pluralistic.net/2024/04/29/what-part-of-no/#dont-you-understand

[tripamania]

mr sandman… man me a sand… build a better life, i know that you can

continuation of my au where bedman comes back and starts going by sandman, in an effort to distance himself from his past and become a better person

at least he goes by ‘sandman’ on the Clock, that is. more info under the cut

so you know how asukas doing his little radio show on the moon where he relays facts and statistics and shit

well, how does he get that information, i wonder? it’s fine, says asuka. he has a guy

Romeo Is That Guy. he’s a little (paid) intern

he’s perfect for the job because he still has His Big Ol Brain. he can memorize Whatever. so instead of memorizing the names of people he’s killed, he instead travels the world. gathers info where things are happening. gathers info where things are not happening. he’s a field researcher, observer, and a reporter, wrapped into one

he won’t interfere, unless he thinks it’ll do some good.

he gets to actually experience the world. delilah too! sometimes she comes along to gather info as a sketch artist. she’s got that courtroom artist photographic memory

don’t worry though, she gets paid too. romeo tends to work himself too hard, sometimes out of passion, and sometimes as a means of self-harm. asuka frets over it because to him, it all feels a little too familiar.

i think there’s a lot of poetic justice in the idea of romeo working for asuka and having him as a bit of a mentor figure after thinking he had that with ariels/uni. will and only being met with manipulation. i think asuka would help romeo re-learn how to trust others, and romeo would help asuka stay connected to the world and to people while he works on his own shit too.

i also think there’s something Healing about baiken finding out that her two little guys are working for asuka, Of All Fucking People, and finding that she’s … okay with that. provided he gives them health insurance too, of course. Nature Is Healing

oh, and don’t pull up his bangs. he’s still missing an eye, and his full face is a little. Incongruent with reality.

[girlactionfigure]

Dr. Einat Wilf (@EinatWilf) on X: What does our enemy want? Nothing we can accept. We are facing a totalizing ideology, known as Palestinianism, executed by Hamas and its enablers, that wants nothing less than ending the absolutely humiliating specter of sovereign Jews. We are facing an enemy dedicated by all means necessary to teaching a final lesson to those Jews who dared imagine themselves equal, sovereign, and masters of their fate in their own state on their ancestral land, so that they never attempt to do so ever again. We are facing an enemy that no only invaded our country, our homes, to gleefully murder and mutilated the most peace loving people in their beds, but went on to kidnap hundreds of them to serve as an insurance that they will pay no consequences for what they did on October 7th. The brutal executors of the ideology of Palestinianism, known as Hamas, did not kidnap people for the limited goal of releasing murderers from Israeli jails, but rather to ensure it pays no price for what it did and therefore could do it again, and again, and again. Make no mistake, as far as Hamas is concerned, it paid no price and suffered no consequences for October 7th. The devastation in Gaza, the people killed, are all meaningless to Hamas. Buoyed by the global pressure to provide it with ongoing supplies it even as it is conducting a total war, it remains in firm control of Gaza and its people. It secured a position as a legitimate negotiating partner while all the pressure is placed on Israel to yield to its demands to go back to October 6th with no consequences for its actions. Nothing is done against the backers of Hamas - Qatar, Egypt and Iran - pretending that the first two are somehow helpful (they're not), and the latter somehow uninvolved. Once Hamas exchanged the women and children it kidnapped, who were above all a liability for their total cause, for guaranteed ongoing supplies that secure its rule in Gaza, once it ensured that no-one touches the funnel of UNRWA, the only additional deal to which it would agree - as it made repeatedly clear, is one that goes back to October 6th: Hamas remains in charge of Gaza, of the border with Egypt that has been the site of endless supplies for its army and economy, Israel withdraws completely, and they can continue receiving billions from the world through UNRWA and other channels, so as to be even more effective executors of acts of mass murder in the future. Hamas executes hostages or attempts to do so when Israeli soldiers are close to releasing them, because the one thing they cannot accept is to have the lowly Jews rescue their own people. The kidnapped hostages are Hamas' insurance policy to continue to fight until there is no more Israel. In the face of a totalizing ideology that plays a long game with an annihilationist goal, there is only moral position for any government/international organization is to pursue (and should have been the policy from October 8th): Unconditional release of the hostages Unconditional surrender of Hamas That is the only thing that ends the immediate war (Ending Palestinianism as the ideology that negates a sovereign Jewish state in any borders is necessary to end the bigger century long war). And until then? It is war, and should be waged as such, with no illusions about the enemy we face.

[raraeavesmoriendi]

Okay but watcher originally wasn’t going to leave the old videos up. Like that is something that they backtracked on and are trying to gaslight people about. They did an interview with Variety where they told them that they were going to slowly remove their content from YouTube.

I’m trying to figure out if you’re footstamping at me or what, but babe it’s not worth it.

they’re going to do with their videos what they deem they need to bc they’re not actually our weird friends and we don’t know them like that, they’re guys who make video series who are trying to figure out how to keep a studio afloat in a landscape currently dominated by media conglomerates owned by people like jeff bezos. that is the cut and dry of it. yeah, they probably changed their minds and reversed their earlier decision, but if anything the way people are frothing at the mouth about losing their ~comfort content~ (which. yikes don’t get me started), one would think that would be a relief.

look, I had a whole essay here but I have shit to do so, short version: watcher could have strategized and rolled this whole thing out differently, and who knows, maybe more things will change. maybe they’ll change their content output schedule for their own channel. maybe they’ll add shows or cut , or re-scale for international viewer accommodation. I’d hate to be their PR person right now. but it is what it is. if you can’t pay them, don’t. do not subscribe. literally no one is forcing you. if you wanna see their stuff that badly, find someone who can and password share. they literally said it was fine.

cards on the table, I don’t even know if I’ll be getting a sub until October, or at all, bc I’m a grad student and I have bills. but I’m not about to sit here and act betrayed and hope they fail a. because I’m an adult who understands that no matter the size of the staff, providing employee benefits and insurance costs money, as does making any kind of for-fun content in our current hellscape, and b. it’s kind of shitty to watch people turn around and act like a media company is their friends personally stabbing them in the back and betraying some grand marxist ethos when it’s literally just people who don’t have things like mousecorp and netflix behind them trying to make their shit on their own terms. I’m not going to sit here and pretend they’re some rich greedy corpos trying to wring money out of us poor broke smol beans out of malice when they’re not even in the same ballpark. they’re allowed to ask to be paid for their time and their labor. if people can’t pay them, then they can’t pay them, end of. some things we just have to go without and that’s just how it shakes out; there are worse and more critical things I could be missing out on that I will be paying that money for instead.

but I’m not about to insist their stuff be free forever because ~I want it~. because that’s not what it comes down to, in the system that we currently operate and exist under. I’m not entitled to their shit like that and frankly no one is.

watching people openly hope they crash and burn bc it won’t be free anymore just makes me chalk it up to one more shitty example of how consumer culture has just made people not think about how stuff is made as long as they can get that instant gratification, but like. water is wet, news at 11.

[halogalopaghost]

So fucked up how the medical industry treats sleep issues in a divergent person. Not even neuro divergent, just any patient who's different than the standard textbook "have better sleep hygiene" patient.

I've had good sleep hygiene with terrible sleep. I've had excellent sleep with terrible sleep hygiene. I've had sleepless nights on Benadryl and the heaviest sleep of my life after a day of inactivity. I have ADHD and fibromyalgia and maybe-autism. My brain and body don't work the way the standard medical textbook wants them to and that doesn't even anger doctors, they're just blasé about it. They're casual. It's a shrug and a "don't drink caffeine before bed" or "the bed is only for sleeping" or "exercise more".

Did you know a not-insignificant portion of people with ADHD actually intentionally take stimulants BEFORE bed in order to obtain enough peace of mind to sleep? You know how stimulants have a reverse effect on people with ADHD, right? And we know how caffeine is a stimulant..? Ok just making sure you're aware of this basic chemistry, person-who-has-a-doctorate.

Did you know that ADHD and autism are often comorbid with circadian rhythm disorders? That's basically when your internal clock is all jacked up, btw.

It's just...DEPRESSING. And exhausting! (But not enough to sleep.) like, I've tried all this shit man, multiple times. I've done my due diligence and every provider says "well, it will be different with me". The arrogance! The absolute insanity of making the patient repeat themselves over and over in a vain attempt to be heard!

I walked more steps today than I have in a month. Ran errands. Read a book before I laid down to sleep. The bed's soft and clean and comfortable, I've had considerably less caffeine than I usually do, I didn't spend much of the day in bed or lying down at all.

And yet! I languish! Sleepless!! I'm being a little /dramatic because that's who I am as a person but DAMN if this ain't some annoying shit. And all they can offer me are tranquilizers or "better habits".

The next person to suggest better sleep hygiene will have a pillow shoved down their throat. See if insurance covers that pillowectomy, bitch.

[spnscripthunt-inactive]

Because of the Site Formerly Known as Twitter, we moved up the start date 🙃

SPNScriptHunt's Script Raffle for World Central Kitchen

World Central Kitchen is a global organization providing food relief. They've assisted in war zones, in refugee camps, in areas devastated by hurricanes, in areas that are devastated by economic conditions and areas that are devastated due to emotional loss.

For every $10 you donate to World Central Kitchen, you will be entered in a raffle to win one of up to 30 Supernatural scripts autographed by cast members at conventions in the United States, Canada, the UK, and Italy: the more we raise the more prizes we'll add!

The scripts shown here are just a few of the ones we're offering, the complete list and all the details (with preview images) is on our fundraiser page:

https://donate.wck.org/spnscripthunt1117

Raffle closes on Saturday, August. 26 at 11:59pm (Eastern Time). Winners will be drawn by a random number generator and contacted by Tuesday, August 28, 2023. We require an email address to contact winners so if you donated anonymously but would like to enter the raffle, please email your receipt to spnscripthuntgiving @ gmail before the drawing date. Winners will have 72 hours to respond, and will be required to provide their physical mailing address and to cover the cost of shipping (currently $10 for priority mail insured inside the US, international rates to be determined as necessary).

PLEASE NOTE: IF YOU ARE UNDER 18 YEARS OF AGE AND WISH TO DONATE, PLEASE ENSURE YOU HAVE PRIOR AUTHORIZATION FROM CREDIT/ACCOUNT HOLDER.

[officialjohnjones]

IMPORTANT NOTICE: If you are here because Nolan Chance invited you to join the, quote, "Chance-vengers", that is not our name. We're just the Avengers. However, we are accepting recruits for the important job of defending reality from the machinations of Doctor Doom.

Combat experience is suggested, though we do have backline positions. Funding is provided by Tony Stark and also some gold caches Midas left behind, so yes you will be paid. We don't offer insurance because I'm pretty sure No Sweat is a scam, considering that the loop resets people and belongings every 22 minutes.

(Gwenpool wanted me to add that though we are a "Lawful Good to Lawful Neutral" organization, if you are any variation of Chaotic both her and Deadpool are willing to intern you. And no, I do not know what they're paying.)