#online car insurance payment

[shriraminsurance]

क्या आप ऑनलाइन कार बीमा में रुचि रखते हैं? तो आप श्रीराम जनरल इंश्योरेंस को चुन सकते हैं इस कंपनी का दृष्टिकोण 'आम आदमी' को सही बीमा सेवाएं प्रदान करना और उच्चतम संतुष्टि प्राप्त करना है।

[unnecessaryportmanteaus]

As a jeweler I really feel the need to jump in here. Because monetizing real jewelry, not the cheap crap you find at Claire's, can also be incredibly difficult, and at the end of the day it really speaks to the way capitalism and globalization have severely fucked our understanding of what it takes to make handmade items.

I might spend $400 in materials to make a ring. If I then spend 40 hours working on it and charge $20/hr for labor, that piece comes out to $1200. (That's a totally reasonable markup for high end jewelry btw; it takes a long time to make, and expensive pieces don't sell quickly) But you can go on etsy and find a similar piece claiming to be made from authentic materials for $300. I've been in the industry long enough to know there's almost certainly some type of scam going on there, but the average consumer doesn't.

The consumer simply sees two pieces with nearly identical descriptions, one of which costs a fraction of what the other does. It's not hard to guess which one actually gets purchased.

being a crafter is so weird because it's like. here's a necklace that between materials and minimum wage labour cost me £1 to make. you will happilly pay me £6 for it because the same thing in claire's is £15. here's a blanket that between materials and half minimum wage labour cost me £700 to make. you will tell me to fuck off because you can buy a blanket in a shop for £100.

[is-this-yuri]

I'm so sorry to continue asking for help this way, but I'm seriously stuck.

ko-fi

to summarize my situation:

I'm living in a small car. I've been living this way for 10 years, with stints of couch surfing. I'm trying to get a van so I can outfit it with all the essentials of a home, which will allow me to live comfortably and cheaply and improve my life significantly. There is no way I'm going to afford an apartment or house, I've been trying for 10 years, all I want at this point is a van.

The fundraiser has been successful to the point where I can currently afford a van and want to start shopping. This is fantastic, since I really need to get out of my car before winter hits so I can insulate the walls of the van and be safe. I've spent winters in this car, and I do not believe it would be healthy for me to attempt again. Before I can purchase a van, I need a license first.

I'm currently facing a legal issue regarding my license. Over the past 4 years I've been unemployed and unable to renew my license and registration, or afford insurance. I've accrued about $2,100 of citations that I must pay before I can get a license. Keep in mind that I've been mainly living in my car, and while I've tried shelters and transitional housing programs, they have not helped me.

I wish I'd taken care of this sooner, but I've been living minimally to save as much money as possible while still affording my daily basic needs, and I've only recently had success fundraising online in general. It took me almost 4 months to save the ~$2,500 I currently have from the fundraiser, $1,800 of which is in my savings account. If I spend it now on legal fees, I'll be out of luck for winter and won't be able to afford the rest of my plan to escape the homelessness that has caused this issue in the first place.

Over the past week I've been in contact with the court, local community services, the DMV, and even my senator to see if there's some way to waive these fees or transfer a title to my name without a license so I can be safe this winter. They've all suggested going to a shelter, getting a job, and earning the money that way. All while somehow not getting pulled over again since I'd have no other way to get around but driving my illegal car without a license.

If I get pulled over again, there's a chance my shelter will be impounded and I'll be in an even worse situation. Insuring and registering this car is not a possibility while I'm living in it, as I'll still be ticketed and so will the licensed driver I'll have to put on my insurance plan to get the car insured, if I could even find someone willing to do that. I NEED a license.

Community services CAN NOT pay court fees. The DMV CAN NOT proceed with a title transfer as long as my license is suspended. The court CAN NOT waive or dismiss these fees. I MUST pay the court $2,100 and get out of my car to continue living my life safely.

HOW AM I EXPECTED TO COMPLETE THIS TASK?

My options are to pay the whole amount immediately, or get on two seperate payment plans (one for each courthouse I owe), one of which will last a year and require a down payment of $150, the other at least two years and a down payment of $200.

I desperately need your help.

Please consider donating to my Ko-fi. I've set a goal for the total amount I owe. Since I have the money for the down payments, I'll start the payment plans and pray that my ko-fi funds will replace the money as it goes. I'll make larger payments as long as the ko-fi funds exceed the $100/mo I need to continue paying for this. AS LONG AS I'M ON THE PAYMENT PLANS, MY LICENSE WILL NO LONGER BE SUSPENDED AND I CAN CONTINUE IMPROVING MY LIFE.

I have a seperate issue being that the DMV's driving tests for licenses are booked up until spring, which means even if this legal issue went away right now, I'd still have to live through the winter to be able to get a van, but there are more open solutions to that problem. Right now, my main concern is these citations draining all the money I was going to use to survive the winter.

[skiptomy]

I was super hoping I wouldn't have to make this post, but shit keeps hitting the fan and I'm struggling for a lot of bills and the 1.65 I have in my account really ain't gonna cover it.

My cat has been sick, my online bank "lost" money and wont give it back, I had to pay a bunch to get my car fixed/re-registered/insured, I got a ticket for "texting while driving" despite the fact that I was just switching the song on spotify at a red light. It's been a hell of a couple months and I haven't been able to get back on my feet so I need to open up a few Emergency Commission Slots (tm)

Right now I need the rest of rent ($350), my car payment and insurance (500$).

[Here's my commission forms]

Here's some recent examples of my work!

I know there's truly so much going on in the world right now, and I fully get it if you can't help out monitarily, but sharing might boost it to someone who can. I appreciate y'all so much, I wouldn't be here without you.

[batboyblog]

Things Biden and the Democrats did, this week #11

March 22-29 2024

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

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

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

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

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

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

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

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

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

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

[batmansymbol]

can't remember the last time i made a blog post on this blog. i really am becoming the hermit i always aspired to be.

looking for somewhere to put this particular exhaustion though and journaling makes me feel lonely and lately all interpersonal interactions leave me with the feeling of having transgressed in many secret ways unknown to me. so vent follows. although for the record someday when i am a true hermit i will have found inner peace, and i will no longer make posts like this, and i instead will be able to identify a cypress tree on sight.

for now, i've been having this feeling of kneeling in the surf with my mouth open and the ocean trying to force itself down my throat. i'm working four jobs to make ends meet. they are meeting, barely. my 16-year-old car broke down for the last time, and this week i bought a new one from a man at a dealership who lied to me over the phone about hidden fees as though $900 meant nothing. now i have new car payments every month but i no longer hear a steady drip behind me in the car when it rains, can't decide which of the two feelings of dread is more potent. i loved that leaking car into its grave. i often wish i had a soul-crushing 9-to-5 that paid me $75,000 every year like clockwork. i am spreading myself too thin socially. i love everybody in my life. sometimes i receive profound and beautiful reactions to my writing, and also with four clicks i can see criticism of my work online that makes me feel like i should never have been born. i struggle to weight these experiences in a reasonable way in my mind. i have not read a new book since sally rooney's intermezzo. i hate everything i write but luckily the hatred comes in cycles, counterbalanced by defiant love, like my relationship with my forehead. i have to believe everything i write is the one (the one that will financially or artistically save me). i have to tell myself the one doesn't exist so as not to get my hopes up. i have to remind myself my problems are atomically small compared to nearly everything. i have to remind myself of this because sometimes it's the only thing that makes me feel human again. i have dreams about friends i had in high school and the shitty jokes i made to them, how much more sensitive i could have been. in the dreams they hate me, or forgive me, or hit me. last april at age 28 i began to have back pain every single night from a degenerated spinal disc and now at age 30 i have anti-arthritis pills in my toiletries bag. it hurts to lean back in a chair, but i have all my limbs and my mind. i wonder every day why i'm not doing something differently. my inability to do anything meaningful disgusts me. i find meaning whenever i open the blinds. i have forgotten to switch my car insurance to my new vehicle, so after i press Post Now i will go to the website that will ask me for my password and to confirm i am myself.

[zahri-melitor]

Still speculating on 'where did the $50,000 go' as far as Jack's debts. Because.

We know Bruce is quite willing to give Dick and Tim, in particular, access to money in a manner that doesn't offend them (selling the Redbird for $50,000? Dick's famous 'inheritance' from John and Mary that just happened to be worth far more than his parents likely had unless there were serious life insurance policies?).

$50,000 was more than the median US household income for 2002 (which was $42,409), and it was tax-free. In terms of a cash injection into the household budget, it presumably was more than enough money for Jack to be meeting his regular debt payments for the loans for months or potentially even years. It would have covered Tim's school fees for at least a year, so he wouldn't have had to be pulled out. It was 'your debt issues don't need to affect your son's lifestyle outside of moving house' sort of money.

And what happens to that money? They give some of it to Mrs Mac to pay for her flight back to Ireland, and then the rest of it just...goes, but doesn't seem to change the situation in terms of how much of a financial hole Jack feels that he's in. (And again, if the Bristol house was owned outright, that was a far bigger contributor to fixing this problem).

That was the sort of money that Jack should have had as a savings nest-egg for emergencies, given their family situation.

Is that $50,000 doing what Bruce clearly intended it to do, and servicing Jack's debts for the next 6 months or so until War Games and Identity Crisis hit and he dies anyway, and anything further ends up being sorted out by his deceased estate? So Jack's supporting his family on the money brought in from Tim's car? (Plus Dana's salary, but it's Jack's lack of income that has caused this situation).

Did Jack throw it all onto the principal of the loans or into an offset? So while it was bringing down his loan repayments it wasn't actually helping with the problem of the family getting by until Jack found work?

And even after Tim has just contributed FIFTY THOUSAND DOLLARS to the household bottom line (plus the savings on not paying insurance premiums for a 15 year old's vehicle, plus whatever he's sold online for Jack, because Jack just wanted to have a garage sale and would have lost even more money that way), Jack has the hide to go 'and Tim can get a job' about their finances.

Why don't you get a job, actually, Jack. Not your 15 year old who you just pulled out of school before the end of the school year. He's already contributed more than he could earn in multiple years as a kid, by selling his beloved car.

[phantomrose96]

Yknow I don't think I've... talked about the absolute smorgasbord of shit what's gone wrong with my condo since I moved in so

day 0 - hadn't moved in yet, was just moving items over, turned the sink on for just a moment. turns out the tube feeding into the sink faucet was full of holes (how???) and this caused a never-ending leak under the sink. the standing water rotted the baseboard under the sink

still day 0 - said leak and water accrual dripped down and damaged downstairs neighbor's ceiling ($$$). she has to call me to tell me about it.

I have to get a plumber out there next day (still not living there yet! empty place! I have to take off work). While waiting for plumber, I discover heat's not working.

Go to basement to investigate boiler. Seller didn't fix the issue they claimed they fixed.

Plumber looks at sink. Declares it full of holes. Says he can come back in a few days to fix it.

(Plumber postpones, then flakes. I chase down a different plumber.)

Plumber 2 says the issue is with the garbage disposal, not the faucet. Can come back x days later to work on that, and the boiler.

Plumber 2 comes back x days later (I have to take off work again), says "oh the disposal was messed up but also the faucet has holes." Says he can come back maybe the NEXT day with a new faucet

Oh also the smoke detector in the back hall is low battery beeping and I don't have a battery for it. It's constant, every minute on the minute.

I bike to a hardware store and buy a faucet and a battery ($$). Get lost on the way home. (All of this back and forth is by bike. I live in the city and do not have a car.)

Plumber replaces the faucet ($$). I replace the smoke detector battery but it's still beeping. Dozens of more stupid minutes later of going up and down and up and down stairs and dragging my big stupid ladder around, I realize it's the carbon monoxide detector which is hidden behind the door I need to open to even get to the back hallway.

Plumber services the boiler ($$$)

I move in. I have a less than great time emptying everything from my apartment, which doesn't have plumbing issues. On a bad foot to start.

Travel for Christmas. Come back. Now the first floor back-hall smoke detector is beeping. (At least I have a fucking battery. Get my big stupid ladder down the back hall, knock every wall on the way down, and replace that battery).

I get first month's heating bill (I'd been living there for 10 days if even.) $334. Jesus christ. Likely due to the boiler issue.

Electricity goes out for the evening, same day as I get this bill from the gas and electric company, because fuck you I guess.

Homeowners insurance log in doesn't work. I haven't received my bill, which I need to pay.

Radiators bang in the middle of the night. Something something about them being old or not level or full of ghosts. Cool I don't need to sleep or whatever.

I've received no correspondence from the bank about my first mortgage payment. It'll be due Jan 1st, which is a holiday, so I reach out early. They say it's in the mail.

I monitor my mail every day. I receive no mail. I contact again. I reach out to my old apartment building in case it's there (they can't tell me). I sign up for a bank account with them online. I jump through various hoops to discover the bank has my address wrong. The address of the place the mortgage is on...

They had the mortgage address right. They had my home address as identical to the mortgage address but with one number missing. No one noticed. They'd been sending my stuff to a non-existent address, or the back of a college warehouse, I haven't quite figured it out.

I jump through more hoops to pay my mortgage payment with a check in the mail (I had to go buy stamps and an envelope) (late, but they assure me there's no penalty, but are you sure.)

^This has all been about 2 weeks. btw.

(I get a therapist, and find my way to being seen by a psychiatrist, which I guess is good but jesus is it $$$. Still figuring out how to use my stupid HSA)

People on floor 1 move out. They've got contractors in constantly renovating the place top to bottom. I get all their paint fumes.

Sound proofing doesn't exist, turns out. I hear my downstairs neighbors' conversations. I hear their tv. I hear street conversations. One night it was pouring rain and I was woken up by the sound of something banging against the house. Like genuinely banging. I go outside and investigate - it's a car idling with their windshield wipers going. Windshield wipers. Why would that be audible. Walls made of paper.

Floor 1 contactors leave the back door open one night. Luckily I wasn't storing anything in the back hall and had the door to my interior locked.

I receive my next month's heating bill. $689. I call the gas company and they shrug. I call the plumber and he shrugs. I turn the heat way down cuz I don't know. I dunno. Something's wrong with the boiler but it just got serviced so I dunno. I have to call someone else.

Speak of the devil, cones appear immediately outside my building declaring there's going to be gas line work. For a month. They start with the jackhammers at 8am every weekday. It's gonna be a month. I miss the windshield wipers.

We have a weekend of arctic freeze. -30F windchill. I go down to the basement Sunday morning to do laundry. Floor 1 contractors have outdone themselves by leaving a window open. Pipe had burst in floor 1 and was pouring water down into the basement, totally flooded.

I have to call the plumber, and flag the Floor 2 people about it and they at least find the master water shutoff. I'm dealing with the plumber and I have no water for half the day and no laundry for me.

I want to lie down in a marsh for a bit.

[campbyler]

if i may ask, i am v curious when the party got their cars/how long theyve had them

ella i hope you don't hate me from harboring this ask since the end of august bc i really did mean to answer it sooner. i love u mwah.

mike: some of the lore surrounding the mustang has now been revealed through chapter 9.1, but to reiterate for the purpose of this ask: mike really wanted to get a car with manual transmission, and wanted something used so it could be a purchase he made himself. he did a lot of research online and in person before finding the mustang, which he did think was a little gaudy, but to me he's also a pretty big car buff and likes a lot of classic models -- no matter anyone's feelings on mustangs as a whole, it is a very iconic car with a lot of history, so mike definitely appreciates that a lot. he had nancy co-sign but he paid for everything himself! as of acswy, he's had it for just over a year!

will: will's car is also used, and also something he (mostly) paid for by himself! originally he was going to inherit jonathan's car but like in the show, it died. rip. but hopper Knows A Guy who works on and then sells a lot of used cars and that's who they ended up buying will's car from. he got it when he turned 17 for around ~$2500 since hop's friend cut them a deal, and he paid for Most of that himself (using money he's saved up from camp and the part-time job he had during the school year when he was in hs) and hop and joyce covered the rest. that said, will does pay them back on a monthly basis and pays for his own gas and insurance, so to him they didn't help at all (even tho they helped more than mike's parents did lol). by the start of acswy, he's paid his parents back in full and now just worries about the insurance payments.

lucas: lucas's parents and smart and invest and told their beautiful talented son that if he worked hard and got good grades they would buy him a car for graduation. so he did. and then also got a full ride scholarship to uconn to play basketball and his parents said oh ok slay boy. thanks so much. so since they are saving on a LOOOT of tuition and room and board fees they said we will get you a nice car. and lucas said bet, hellcat? and his mom said ABSOLUTELY NOT and his dad said ABSOLUTELY. mike was fuming btw. if you care.

max: tbh we haven't so super fleshed out a lot of max's family lore so i'd have to consult w suni re: current arrangements BUT 2 me max shares her car w her mom. i think her mom works from home and when she needs to go somewhere uses max's step dad's car just so that max can have some extra freedom. it's also my headcanon that max is the oldest in the friend group so she got her license first and was will and el's designated chauffeur for a while <3

el: el Just got her car and license before the start of acswy! i think she's the youngest in the party and she had will and max to drive her places so there was truly no need to get her license or car until now, plus i think she had some driving anxiety. she also got her car thru hop's friend but it was a little more expensive than will's since it's a bit newer and a nicer model, but she's had more time to save up for it! she mostly got one because she wanted to be able to have something to drive back at school, and also because she's more willing to admit than will is that the cobalt is not going to last super long, so one of them needs to have a car lol.

dustin: dustin got his car from his mom when she upgraded to a new one and while most people would complain dustin said FUCK YEAH because he loves his mom's car and also didn't have to spend a single dime on it lol. i think he got it when he was 17 as well so he also drove lucas and mike around for a bit before they got their cars as part of the indy crew!

AND THAT IS IT. THAT IS ALL. I HOPE THIS WAS WORTH IT AT ALL

[three--rings]

I didn't plan to do this, but IDK.

My 2023.

This was not a good year for me. Most of the bad came in the second half after my car accident and subsequent inability to walk. My first trauma trip to the ER. Some very dark weeks of pain and inability to move. Followed by very, very slow progress to being more mobile. I have at least six more months of recovery according to the Dr.

Then the absolutely devastating and tragic burning of Lahaina on Maui, where my mom and brother live. Their house was safe but I can't convey the depth of the tragedy that this was for the community. So many dead, so many displaced, so many who lost everything but the clothes on their backs. Rebuilding won't start for years due to needing toxic cleanup. It affected my family directly financially and emotionally, even though they are fortunate.

Followed by my mom being diagnosed with breast cancer and going through treatment for that, which is ongoing.

So yeah the last few months have been rough and I've experienced it all from my bed, not able to really DO anything.

We're all trying to climb out of this hole. We bought a new car to replace the totaled one, with lower payments. My mom's radiation ends in a couple weeks. I'm starting physical therapy to get walking as soon as I get insurance sorted.

One of the things that bothers me a lot mentally is I feel like I haven't DONE anything in the past year. Most of the last six months was me playing video games.

But I made a round 20 books in 2023. I've done several typesets since then, also. I published 55K on AO3. I wish I had gotten to sew more. I basically made one dress that got torn in the wreck and hand-sewed a pirate shirt.

I also, like, don't talk about this at all but I was trying to soft-launch a business in 2023 as well, of selling vintage stuff online. The wreck really ruined that, because I had finally gotten my own car that I was going to use to go hunting and then that.

But I've sold a lot of vintage sewing patterns in the past year. I haven't looked at the total income for the year yet but it's more than zero.

So I need to be kinder to myself. I do plenty, but I've just been extremely restricted for months and I'm losing my mind.

[sienna-the-doe]

asjfhsgsyds Im really struggling since I got fired from MGM and the job search is hell... I have some possible prospects and got into a tuition free IT cert program... but that will take six months to finish and possibly get a job from... and I still havent gotten any of my unemployment checks so Idk how im gonna pay bills...

I just.... Idk part of me is so ashamed of myself. and I live with people who have money and dont help others with it (not talking about you, bean) or even bother to *feed* their own flesh-and-blood family. but like. cuz of this and like... super massive anxiety about being judged and shunned makes it like... Impossible for me to like, ask for help online. even when the rest of my family cant help.... Idk man, Im scared and unemployment will barely give me enough to cover my car payment and insurance. but not any necessities. let alone comfort things. so Im struggling. my bf has AVPD, severe bipolar type I, AND Major stress-induced nausea so he cant really like, have a job or it might actually kill him, so he cant help much unless he fully drains his savings. which would be -bad- because his dad has threatened eviction a few times. Idk yall. i need help...

[lauralot89]

All right friends let me tell you about my day because either I vent or I go to jail for murder

I don't even know who I'd murder but I would

Day starts out normal enough. I've been having an issue where my pharmacy did not autorefill the medication I need for my autoimmune disorder, without which I am in constant pain and will suffer deformity and mobility loss but you know, other than that

Until about noon I'm making some nice progress on a story I'm writing. Then I get stuck. It happens.

I check the pharmacy website and it says there was an error with my prescription and to call the pharmacy, so I do. They say they'll fill and I get a robot call about half an hour later saying the prescription is ready and my out of pocket cost is 120 USD

wait what

this medication has always cost me 20 USD

what the fuck

whatever, I tell myself. I'll get it sorted out after work when I go to pick it up.

At this point I check my email. Message from my auto insurance saying they never received my payment, and my coverage will expire in two days.

I call them. I explain I mailed the payment on July 9. They say they received a notification from USPS on the 11th that the payment was on its way, but then they never got it. And they consider payments lost in the mail if they aren't received within 15 days of being mailed. And today was exactly 15 days since I mailed the payment.

So I pay again, online this time, with the promise that if they receive the check, they'll refund the cost. Now bear in mind I pay the full amount at once rather than the monthly so there is a 900+ dollar check floating around in the backrooms somewhere right now, which does not make me feel great

Work ends. I go to the pharmacy. I'm like why is this 20 dollar medication suddenly 120 dollars? The pharmacist is like "Yeah that's weird. We ran it through your insurance like we always do. You should call them."

So I call them. After some time on hold, I get an agent. I explain what's going on. He's like "Yeah that's weird. Let me call the pharmacy."

I spend the next half hour listening to hold music as I pace around the pharmacy and when I get taken off hold, I'm now speaking to a pharmacy person instead of my insurance guy.

Apparently my insurance decided, unbeknownst to me because there were certainly no emails or letters, that for medications I take every day, they now want me to get ninety days at a time. Which, okay fine, whatever. But if I don't get this either by mail or through Specific Pharmacy My Insurance Works With, then it's an out of pocket cost.

Again, some random pharmacy worker had to tell me this. Not my insurance.

But wait there's more. Currently all my prescriptions are for a thirty day supply, so even if I immediately transfer them to Specific Pharmacy, I still won't get my prescriptions refilled without a bunch of rigamarole because they're supposed to be for ninety days now

(What does this do to birth control, you may ask? Fuck if I know.)

so what I need to do is to call my doctor's offices to have them transfer the prescriptions and change it from 30 to 90 days. which, great, but I have been without the necessary medication for a week now and I can't wait any longer, so I suck it up and prepare to pay 120 USD

Now by the grace of God, the pharmacy tech heard my plight and was like "that's some bullshit" and by reducing it back down to 30 days and also getting coupons involved, he was able to get the cost down to 28 dollars

so you'd think "Well at least there was a happy ending"

BUT WAIT THERE'S MORE

So at this point my car is nearly out of gas. So I drive across the street from the pharmacy to the gas station. Get out of the car. Put in my card. Yada yada. And instead of asking me to lift the nozzle and select the fuel type, it says "Thank you! Take your receipt!"

The fuck?

I go ask the cashier.

"Yeah, it does that sometimes. Try it again."

I try it five more times. Every time "Thank you! Take your receipt!"

I drive to another pump. It happens AGAIN.

I go back to the cashier.

"Oh, it must be something wrong with your card."

Now maybe I'm weird but in my experience when your card declines, the message you get is "Card declined" or "Chip malfunction" or "Card error." Messages that I have gotten at this very gas station. But apparently that made too much sense, so they switched over to "Thank you! Take your receipt!"

The lady tells me I can pay at the desk. I wait five minutes before I can pay at the desk because the pump has not cleared out the last "Thank you! Take your receipt!" transaction. She tells me she would send me over to the pump to press cancel, but it would take too long. Then she has me do it anyway.

In conclusion, my heart is full of rage.

[thedeliverygod]

Hey all. I'm sorry to be doing this again but I once again got fucked over by a combo of overdraft fees & an automatic payment for my surgery bill, of which came to a total of $144.

On Saturday I sold a variety of books, CDs, video games and toys to my local used bookstore and got $80. I also made $20 doing surveys online. I was already in the negatives & all this money went towards trying to ease that situation. Unfortunately all of that was for naught after the overdraft fees & the auto draft (to be more specific the medical bill was $36 and it was 3 overdraft charges for $36 each, so yeah)

I understand anyone who's just like "nah I don't wanna help you're just irresponsible". I feel like a lot of my friends feel that way about me at this point but I really am trying my hardest to get my shit together. I used to be horrified at the idea of asking for help but now I'm just kinda numb because I don't know what else to do. Short of making an only fans or something like that, I feel like I'm trying to do everything that I'm mentally/physically capable of doing to get 'extra' money.

All of my subscriptions minus crunchyroll are cancelled, I just got a quote for much cheaper car insurance so I'll get that switched over soon. I cut down my phone bill by like $40+ a month or two ago. I talked with a friend about budgeting tips which I did already apply some of those such as a method for grocery shopping.

TLDR: I'm trying my damndest to try and get my money shit in order but I'm still struggling. If you feel comfortable donating any amount please use ko-fi. If you don't, I get it. If you want to help but don't have the funds to do so, I feel you, but if you could please share that'd be appreciated.

As my thank you note on ko-fi says, I'd love to do a fanfic as thanks for any donation if you feel so inclined; you can make the request on ko-fi itself or here on tumblr if you'd prefer (including anonymously).

Lastly, if you're aware of a decent paying job that isn't customer service based that's remote or in the triad or the RTP area of North Carolina, let me know. Job searching sucks ass but the current $16.25 I make isn't holding up to this insane inflation, particularly my rent which is almost entirely 1 of my 2 monthly paychecks.

[roo-bastmoon]

LOCK IT DOWN, Y'ALL

Puppykitties, I do not mean this harshly, but distractions, drama, and sabotage happen with every comeback and never more so than with Jimin.

We are in the fight of our lives for placement on the charts and awards on music programs. We need fewer filtered streams and much higher sales.

WE HAVE MONEY TO SPEND FOR JIMIN AND VERY FEW TO STEP UP AND MAKE AN ACCOUNT TO BUY:

We absolutely cannot focus on trash talk and ship discourse right now.

Yes, I know today there was a lot of excitement. Joon, Yoongi, Tae, JK, and others (many others in the industry) went to Harry Styles' concert today and it very much appears that Jimin and J-Hope did not. How do I know? Because there's photos of the Tannies on their personal time all over my timeline when there should be screenshots of streaming and voting.

It's disappointing because Jungkook just got done saying he was human too and asking us not to stalk him during his private time. I know some folks feel like if you're out in public, you are "fair game." But that's my point: they aren't game, they aren't prey--they are people and they deserve to be able to hang out with their friends and not have it scrutinized and weaponized. So just know it's always best to let THEM be the ones to share such info, like Joon and Tae did on their insta.

You best believe, the more we pressure them like this, the less we'll get of them.

The last time we saw Jikook together off-schedule, just the two of them alone, they got in a car to leave from the airport in April of 2022. A few days later, the gossip rags sabotaged Jimin's first OST With You with a bullshit scandal about missing insurance premium payments and his apartment "seizure" (on paper).

And ever since that day, we have not seen Jikook hang out in any personal capacity, unless you count the arcade in DC with Hobi and Her. Not once have we seen them alone. POINTEDLY.

There's been blurry CCTV photos of two people in a mini mart and whispers from K forums of folks seeing them around the neighborhood, but nothing concrete; they don't even mention each other in TMIs any more.

We KNOW they have hung out, as per inferences from their family, tattoo artist, and boxing coach, but no solid evidence from the primary source, even when directly asked. Again, POINTEDLY.

And yet when they are together for a work thing or online, they get along like a house on fire. They slap butts and tap hands and do cute things for each other's birthdays and get into giggle fits and compliment each other and flirt like crazy on WeVerse. Jungkook has issued several emphatic invitations for Jimin to come to him and told us to look forward to his teaser at midnight.

But they aren't sharing their relationship with us like they used to, so we honestly do not know if they hang out in person much these days.

P.O.I.N.T.E.D.L.Y.

Not because there's any indication of bad blood or a whiff of a breakup. Our little perfectionist is booked and busy, and our golden maknae was taking time to recharge.

You need to remember that since solo era was mentioned, Jimin has been writing, composing, and recording his own songs.

He's traveled abroad multiple times--Chicago, LA, NYC, Paris--to name a few.

He's hosted people who have traveled to Korea to work with him.

The producers admonished him for not taking breaks to eat or shower and in fact sleeping in the studio for many nights.

He's had to rehearse for music shows, concerts, his collab, and his own music videos.

He's been training so hard on new choreo that he was in too much pain to join Jin for his birthday and you KNOW how our boy feels about his members' birthdays.

He's filmed RUN content and commercials and a documentary and all sorts of stuff for his own album.

He's had work as brand ambassador for Dior and Tiffany's beyond just Fashion Week, which was huge.

I've lost count of the number of high-end photoshoots he's done for Vogue, W, Elle, and I don't know what all else.

The man JUST got off a plane the day before from traveling half-way around the world to interview with and perform for Fallon for TWO NIGHTS.

If I were him, I wouldn't dash over to a packed concert less than 24 hours later, either. Doesn't mean I don't love my members, or my partner, or Styles. It means I'm TIRED and I'm protecting my health and energy.

Especially considering there are appearances on television coming up and god knows what else to promote FACE.

AND FACE IS WHAT WE SHOULD BE FOCUSED ON.

I love you all, but I swear to God, if you give your time and energy to the assholes on the timeline attacking Jikook, you are robbing Jimin of the time and energy you should be giving to voting, streaming, buying, and hyping FACE. Which is what they want. They want to siphon that energy from you. Please don't be stupid.

We are grasping for every INCH of space on the charts up against absolute giants this and next week. It would be different if all of ARMY got behind Jimin 24/7 but you know how many little 7s actually behave when push comes to shove. To say nothing of the antis, mantis, multis, and cult working against him with purpose.

Please don't let this kind of crap sabotage Jimin's hard work. Celebrate the fact that some BTS members got to hang out at a concert, and honor the fact that some BTS members had other things to do.

PLEASE snap out of it and stick to our goals. We can debate Jikook all day long after FACE is safely to bed. FOCUS FOCUS FOCUS.

We are in lockdown.

SO LOCK THAT SHIT DOWN.

Love, Roo

[that-punk-adam]

I wish there was a better way of just…. [vague hand gestures]

Housing. Is such a pain. To get and maintain.

Rent. You never own it. $1.4k a MONTH for a poorly designed and maintained closet with NO amenities included in that rent. A single person cannot afford to live alone anymore because I guess we decided to not start burning shit down once $7.20 is a federal minimum that isn’t sustaining whatsoever. It can pay a phone bill and feed you some days. Car insurance, gasoline, maintenance on a car, food, water, gas (utility), electric. You’re super lucky if you’re going to get 3k a month after taxes.

I had to hunt online for housing. I had to apply to places, average $25-50, to get denied at most because husband doesn’t have a job because he wasn’t living in the city full time. You need a car to go ANYWHERE in this fucking country. Car = insurance, payment, gasoline, maintenance. $500? $600? $800? On top of rent + bills. On a single income just a tad over 2.3k after taxes. We didn’t have a vehicle for a while and when we asked (begged) my in-laws (his sister + her wife) for help with a car, they had to drive to Kentucky for the cheapest thing they could find bc there was no way in hell for me to save anything. Nothing at all. After the online nonsense we had to wake up as early as possible for him to drive to these locations, all 20+ minutes away from each other, on a crunched schedule, on what would be considered a ‘last moments notice’. If I was on a 9-5 schedule there would have been zero hope of ever getting out of my parents house short of running away because the modern world only runs between 9a to 6p.

Finally, a paid off car. In-laws back into it and bust the radiator to hell. Totaled. No car. We didn’t even get the insurance and title switched over. They were going not even 5 miles and killed it. Now on our own we won’t ever have a car unless he can work (????) and we manage to have no accidents or try to enjoy life too much.

I was 2 minutes late today after waiting on a ride that took almost 15 minutes to get to the unit we finally managed to get. The second driver got to my workplace as fast as he could but it was still 2 minutes too late. The apartment hunting made me late repeatedly. We almost had a roommate and I had to be late for that too. I was so sick I couldn’t even be awake 2 times in the span of 2 months and I’m convinced it was a nasty variant of covid. Testing isn’t accurate anymore and those tests cost $20/each, not (100%) covered by insurance, and you ‘should’ use at least 4 tests over the span of 3 days.

Y’all. I have only been in the work force for 4 ish years and I am ready to retire. If I loose this position I’m not even going to attempt to look for anything else. I’m going to leave society and if I die then oh well. The concept of being born for the purpose of working until you die is the most cruel and unethical thing I could ever do to another human being. I love my hypothetical children so much that they will never exist. I love my hypothetical children that I will do everything in my power to make sure they are never conceived. There is nothing worst then to be born into this form of slavery and to never to be able to opt out of it except for death.

[mandana-the-service-pup]

How I prepare for a doctors appointment with a service dog.

Service dog checklist:

Call the office to notify them ahead of time that I will be bringing my service dog and make sure she can accompany me during the medical tests. (This is not legally required in the US but it’s good practice and makes for a smooth appointment)

Make sure her exercise & decompression needs are met in the week leading up to the appointment and use the day before to rest.

Check her over for any subtle signs of injury (especially with the paws) or sickness (especially tummy problems)

Brush thoroughly the day before or that morning to limit shedding at the hospital (We bathe once a week so she should be pretty clean already)

Prep treat allowance for the appointment (plus extra jackpots for unforeseen issues) and make sure there’s time for Mandana to have a regular meal before we leave. I personally don’t feel comfortable working her on an empty stomach.

Fill water bottles and make sure I have extra bowls in the car. It’s good to have a backup plan incase you forget to bring water (like I frequently do 😅)

Decide ahead of time what gear I’m going to use. This really depends on weather, how long the appointment will be, what tasks I expect her to do and how she is feeling. I usually use: Martingale collar, hands-free leash, HC pet boots or GripTrex, medical alert bringsel, a lightweight SD harness. If I bring my rollator then I might also bring: her travel mat, wipes, small hand towel, water bottle & bowl. Otherwise those things usually stay in the car.

Have a plan with my caretaker on what will happen after the appointment and make sure we are on the same page. I expect to be exhausted and probably starting to flare. He usually takes over but I may need to push myself extra if he won’t be home when I’m done with my appointment. I also prep frozen lick-mat or similar enrichment to help Mandana decompress after the long day (I usually expect to spend 4-5 hours out of the house per appointment)

My checklist:

Fill out paperwork, check-in online, make sure previous balances at this hospital are paid or are on a payment plan and make sure I will have my ID & Insurance card with me.

Make a reference sheet for myself: medical history timeline, current symptoms listed in order of priority and the top questions/concerns I want to address at this appointment.

Try to be as well-groomed as possible (depending on how much energy I have) Decide what clothes I’m going to wear and make sure they are clean and ready to go.

Find out exactly where the office is and how to get there. Calculate how long it will take to arrive 15 minutes early to check-in and then add 30 minutes to accommodate issues with traffic/puppy potty/etc.

Be prepared to either cancel the appointment or leave the service dog behind if something goes wrong. It’s unethical to work a sick/injured service dog and they can have bad days too.