#pay utility bill for office

[lastoneout]

Like I know we all love making ADHD seem cool but like, don't forget it's actually a disability? My ADHD is bad enough I've nearly been evicted for forgetting to mail the rent check to the property manager, I've forgotten to pay the utility bills and had my water or power get turned off or had to pay fines bcs I missed a credit card payment. Once I was supposed to cat sit for a friend and I lost the house key she gave me but didn't realize until she was already out of town, and she had to call the apartment office to get someone to give me the spare so her cats would have food for the week. When I'm unmedicated I can't even get myself to shower half the time, forget eating or cleaning. Before I started living with my fiance I'd just like, not eat for days because I didn't have anyone to remind me to eat or go buy me food. I've forgotten to turn the stove off so many times and ruined kettles and tbh been DAMN fucking lucky the house didn't burn down. I've done stupid, impulsive shit that's nearly gotten me KILLED. I can't remember to close the shower curtain reliably even through my fiance points out every single time I forget, and he's almost out of soap rn bcs for the last MONTH neither of us have been able to remember to order more once we get out of the shower.

I've had such bad memory my entire life that to this day someone suggesting I forgot something because I simply didn't care enough is a legitimate trigger that, in the worst cases, makes me have a breakdown.

I get that for some of you this is just something that makes studying hard or you forget to take a pee break when you're playing Minecraft or whatever, that's still a valid struggle and you do deserve help and understanding, but like, ADHD is a disability. It's disabling. It's not impossible to improve and learn coping skills, meds help a lot, there are great accommodations out there(LIKE CLEANING SERVICES), but not every case of ADHD is the same, and a lot of them are pretty ugly ngl, and just because you managed to do something doesn't mean someone else is gonna be able to manage it too, or that they're being lazy for struggling. And that obviously doesn't mean ADHD people have a free pass to never work on themselves and make everyone cater to their every need or whatever, but we do deserve some understanding when we explain that our disability is actually disabling in ways that aren't palatable to you. So like, idk, maybe don't immediately recoil in horror when you find out that someone with ADHD can't keep their house clean. And for fucks sake don't ridicule them for it.

[tojicide]

DOCTOR, DOCTOR! ☆ ZAYNE LI.

summary. when you’re feeling under the weather, doctor zayne is quick to prescribe you with what he knows will have you feeling better in no time.

warnings. fem! reader, pet names, boyfriend!zayne, praise, masturbation, fingering, oral ( fem. receiving ), cockwarming, unprotected p in v, mirror sex, creampie, aftercare. the rocking chair is featured. wc. 3.9k.

⠀⠀⠀⠀⠀⠀⠀⠀ ⠀ ✧ masterlist | request

Zayne is an intelligent man, that much was evident, but for the first time in his career, he’s absolutely stumped.

Why is that, you may ask? Well for starters you, his beloved girlfriend, have been a bit distant lately. Not cold, not rude, but distant.

With his busy schedule, he didn’t see much of you during the day, and by the time he got home, you were usually fast asleep. It was easy to think that he was simply missing you and that was why his brain had led him to feel this rift between the two of you, but alas, he couldn’t be more wrong.

This entire ordeal truly got him thinking…

He saw a few tissues in the trash bin—perhaps you were catching the common cold. But when he prepared a spoonful of bitter medicine and a glass of water to wash it down, he was met with your denial that you masked with a smile.

If it wasn’t that, what could it be? Zayne asked the same question.

Maybe you were stressed out because of work. He finds that to be probable, so he made it a point to get home as early as he could last night to give you a massage after he cooked you your favorite meal.

You seemed to be soothed by his touch, murmuring a few ‘ah’s and ‘ooh’s of satisfaction as his skilled hands threaded into the tense muscles of your shoulders. Once you were at ease with your head resting back on his chest, he gave you a tender kiss on your cheek before he turned in for the night.

Call him overly analytical, but when it took you awhile to join him, he had a feeling that the massage hadn’t quite accomplished what he hoped it would have.

His mind then started to wander even further. Had he forgotten to run the dishwasher? No, of course not. Had he forgotten to pay the utility bills? Absolutely not, he took his credit score very seriously and a late payment was simply unlike him.

Had he forgotten to put the toilet seat down…? Okay, he definitely did, but that couldn’t be why you were acting so unlike yourself.

And then, as he sat at his desk with a fresh plate of food in front of him, it dawned on him. When was the last time you orgasmed? More importantly, when was the last time he’d given you one himself?

It was almost inhuman how fast he jumped up from his office chair to inform Yvonne that he would be out for the remainder of the afternoon, because oh was he feeling downright horrible.

He was back at your shared apartment in no time, pushing the door open and setting his shoes in the nook positioned in the entryway.

(He had a bad habit of trucking on the hardwood floors without removing his shoes, and considering he was already on your shit-list, he made sure to do it now.)

“Honey?” he calls out to you, making his way towards your closed bedroom door. “Sweetheart, I’m home.”

Zayne’s eyebrows raise as he glances around, finding that your apartment looks rather empty and desolate. “I’d like to apologize. I know I haven’t been present for you lately and—”

And then, he hears something. Something that makes him stop in his tracks. His eyebrow quirks up with intrigue as he presses his ear to the door, listening in.

He’d know those beautiful sounds anywhere, even if it’d been awhile since he had lured them out of you himself. Your moans were muffled by the door, but they were enough to make his cock stiffen up beneath the fabric of his black slacks.

“God… please,” you muttered, clearly out of breath and in frustration. “Damn it!”

Behind the door, you were resting on his side of the bed, hoping that his scent would be enough to make you finish. Your fingers toyed with your clit as you desperately tried to get yourself off, but nothing seemed to be working.

Zayne was practiced in a way that only he could be. He knew female anatomy better than you did, but more importantly, he took pride in learning yours. He knew what you liked and what you didn’t, what made you crumble and cry out.

And now that you’ve gone without him for so long, you’re finding yourself more pent up than ever. A huff of frustration leaves your lips as you try again, again, and again—only to be edged with your release without reaping the benefits of it.

He exhales, twisting the doorknob as he cracks the door open. To no surprise, there you were, sitting on his side of the bed with your hand slipped beneath the fabric of your panties.

You hardly looked horrified at the sight of him, more so desperate if anything. He pulls his tie loose as he takes a few steps towards the bed, his knees finding the plush comforter as he sinks onto his stomach.

“Oh, sweetheart,” he murmurs, almost sounding sympathetic. He runs his hands over your thighs as he hikes them over his shoulders. “Let me see.”

You roll your eyes. “Who’s to say that you deserve to?”

Zayne gives you a look that you know all too well, one that silently reads ‘girl, are you serious?’ And no, you aren’t serious by any means, so you nod your head to give him your permission.

He pulls the damp fabric of your panties to the side, his gaze slimming as he sets eyes on your cunt for the first time in what feels like forever. (It’s been two and a half weeks at most, but you’re both awfully dramatic.)

“I’m sorry,” he speaks into your heat, almost as if he were apologizing to both you and your pussy. He raises his eyes to yours as he flattens his soft tongue to swipe along your wet folds. He moans at the mere taste of you, his grip on your thighs tightening as he pulls you even closer to him. “I had no idea. Truly, baby, I didn’t.”

You whine at the sensation of his gentle voice rumbling against your sensitive skin, your hand delving into his hair. “No idea about—hah—what?”

Zayne takes a moment to reply. His mouth is certainly distracted with the way it’s buried into your soaking cunt while his tongue laps at your inner lips, his nose brushing against your clit with each movement he makes.

“I hadn’t realized I was neglecting your needs,” he clarifies, cracking his eyes open just enough to look at you with hollowed cheeks as he sucks onto your sensitive bundle of nerves.

He releases it with a ‘pop’, his tongue quickly replacing his lips as he curls it in up and down motions that stimulate you in ways you can’t even comprehend. “My girl is too sweet to be treated like that,” he whispers, thumbing at your folds to give himself better access.

One of his hands continues to rub your thighs for some sort of comfort for his behavior, and soon, the other reaches up to take your hand in his own. You squeeze onto it immediately, finding the gesture to be much appreciated.

“So, you… mmh— you remember I exist after all?” Your words are meant as a joke, but he doesn’t seem to consider them as such with the way he presses a kiss to your clit before pulling away.

“Honey, I’m being serious,” he murmurs, resting his cheek on your thigh. “I’d never want to make it seem like I don’t consider you and your feelings.”

He gives your hand a squeeze before he smiles, adding an earnest, “and truth be told, I’m rather surprised that I’ve gone so long without tasting this pretty pussy of yours,” before he delves right back into eating you out like a man starved.

Zayne hasn’t noticed it until now, but he truly was starving, and not for the lunch that he left on his desk back at Akso Hospital. He wasn’t much for alcohol, but getting drunk on your pussy was one of his favorite pastimes, and he’ll never go this long without doing it again.

He was a man of science, and even then, he would never be able to explain the chemical imbalance that tasting you set off in his brain. Sure, medically speaking, the preoptic area of the brain is what triggers an erection, but what you did to him was far beyond that.

It was safe to say that Zayne was almost as in love with your pussy as he was with you, and judging by the way he’s making out with it right now, you have no doubts about that.

Your head tilts back against the headboard as he reintroduces his middle finger to your entrance, feeling the way your walls clench around it.

“Mm, quite sensitive, are we?” he lowly asks, licking a few swipes at your clit before adding, “Is it because you’ve been using your own hand for quite some time now?”

It’s almost pathetic how quickly you nod, your fingers grasping onto his dark locks as he presses an open-mouthed kiss onto your folds. “It’s the only choice I had,” you whine.

(He makes a mental note to give you his credit card so that you can purchase anything and everything you’ll need in order to satisfy yourself whenever he isn’t around. The fact that he hasn’t thought of that sooner is a problem in and of itself.)

He nods in return, though the movement only invites him to make hard licks at your pussy, collecting your slick on his tongue. His cock is rock hard, but he’ll get his turn soon enough.

Even if his turn never came, he’d be more than happy with this alone—that much was incredibly evident.

“I know it, my love,” he whispers, pressing a kiss on your sensitive clit as he slides another finger into your hole. “Is this alright?”

Your thighs tense up at the sensation, but you nod, tilting your head down to look at him. With your permission, he continues, his tongue swiping at you while his fingers fuck you into oblivion.

When you tilt your head back, he squeezes your thigh. “Eyes down here, I need you to watch closely.”

A sharp whine escaped you as his mouth somehow latched onto your pussy in the time it took you to look at him. He pulls off of you to speak, his lips coated with your arousal. “There will be times like this in which I won’t be able to give you what you need, and as much as it kills me, your pleasure can’t be limited to the times I can have you like this.”

You tilt your head. “What… what do you mean?”

Zayne nods his head, urging you to tune in. He curls fingers inside of you, hitting your g-spot with each push. “Hm. I suppose I can teach you how to touch yourself a bit more effectively. Would you like that?”

Your hand goes flying to his shoulder as you nod, your teeth pressing down onto your bottom lip. “Hah… mhm.”

He nods, grasping onto your hand. He presses a few kisses on your knuckles as he guides it to your clit, helping you swirl the pads of your fingers around it in smooth, moan-earning circles. “Very good. You look happier with me already.”

“You’re still a jerk,” you huff.

“I’m sure I have been behaving like one, yes,” he murmurs with a laugh. “Don’t let me off the hook too easily, either. I need to get a few orgasms out of you before you should consider that.”

That sounds perfectly fine to you, so all you do is moan in reply, which makes him smile. He likes to please his woman, and knowing that he hasn’t done a good job of that makes him even more determined to make up for it.

“It’s okay to use two hands, sweet girl,” he continues teaching, tilting his head towards his own hand that was still thrusting two fingers inside of you. “While it may be mine right now, yours will work just the same.”

Something switches inside of you the moment he begins to help you masturbate, his own fingers fucking inside of you while yours stimulate another part of your puffy cunt. You always had a thing for acts of service, but when it came from your boyfriend, you were practically putty in his hands.

“That’s right,” he purrs, a smile tugging on his lips. “Such a pretty girl. Perhaps you just needed to be reminded of how to treat yourself.”

His hazel eyes are still on your face, watching as you pinch in absolute ecstasy, your thighs shaking on his shoulders. “I see that I’ve underestimated you,” he teases, dipping his head to lick at your folds, his tongue brushing against your fingers as he continues to guide the movements of your hand. “It seems like you’re doing just fine for yourself after all.”

You huff, shaking your head. “No, no… it’s all you.”

Zayne chuckles at that, sucking your fingers that were circling your clit into his mouth before he places them back on your sensitive pearl, giving you a bit more lubricant. “There’s no need to be so hard on yourself, I’m merely helping you. We’re practicing together, sweetheart.”

You almost roll your eyes because the last thing Zayne needed was practice on how to please you. He may have been a bit distracted, but that could never take away from how perfect of a lover he was.

And… it was difficult not to be hard on yourself when he’s practically taken away your ability to orgasm on your own. With the way he’s making you feel right now, his absence was almost worth it.

Your eyes haze over as you look down at him, a soft moan leaving your lips. “Mmh, ‘m gonna cum,” you choke out.

To that, he nods in understanding. He thumbs apart your folds, leaving you to play with yourself as you please while he dips his head in to lick at your cunt in any way he can, feeling the way you clench around his fingers. “That’s right. Look at you, honey, such a quick learner.”

Zayne grasps onto your thigh with his free hand, pressing a few wet kisses along your inner skin as you come down from your high. Your hand still has a death grip on his hair, but he doesn’t mind it. He knows that he deserves to lose a few strands of hair after how he has left you alone.

You pant, your chest heaving as your body reels from your orgasm. While your vision is blurry, you can still make out the picture of your boyfriend sucking his fingers into his mouth, cleaning them free of your release.

“Mm, you know, the release from an orgasm does much to calm people,” he murmurs, giving your mound a chaste kiss before he rises up to give you one on your forehead. “Do you feel any better, my dear?”

You do feel better, but a part of you, one that you can’t quite shove away, is still yearning for more. Despite that, you nod, brushing your hand along his cheek as he dips his head to give you a kiss.

Sugary and sweet are two words you’d used to describe kissing Zayne, because those were adjectives you’d also use to detail how he always behaves when around you.

He pulls away from the kiss, propping himself up on his elbow above you while he uses his other hand to brush away your hair. “I really am sorry,” he whispers, his voice soft and full of a raw honesty that makes your heart squeeze.

You shake your head with a smile. “I know you didn’t mean to,” you reply. “It’s just… you made me feel like you didn’t need me, like what I felt was one sided.”

Zayne’s expression seems to soften as he shakes his head. “Of course I need you, I always need you. Your needs are never one-sided, especially not needs of this nature.” He brushes his hand over your cheek. “And I was serious about my endeavors of making it up to you, sweetness. C’mere.”

Before you know it, you’re plucked from your position on the bed and carried to the corner of the bedroom. Zayne takes a seat in the rocking chair positioned there, spinning it around until it faces the body length mirror just in front of the two of you.

He then undresses you entirely, kissing along your thighs, your hips, the curves of your back, on the cheek of your ass—everywhere and anywhere he could. Sure enough, you hear the rattling of his metal belt buckle behind you, and when you glance over your shoulder, his cock is pulled out from the confines of his boxers.

His slacks are still bunched up around his thighs, as are his boxers, but he pays no mind to it. He raises two fingers as he beckons you to sit in his lap, and you do.

Zayne rests one hand on your hip while the other grasps onto his shaft, pumping it in his fist a few times before he smears the head of his cock along your folds, gathering your slick. “The ‘teaching’ is over, but now, I simply want to show you just how much I need you.”

His words stir something within you, and when he leans up to press a kiss on your shoulder, you already feel like your lover is here to live up to his word. “Is that alright?” he asks against your skin, prodding your entrance with his tip.

When you nod, you’re already sinking down, taking him inch by inch until you’re cockwarming his thick length. He smiles at you in the reflection of the mirror, his eyes drifting over your body that he will never forget to worship again.

“So beautiful,” he coos, his hands mapping out the curves of your waist, your hips, your thighs. “Absolutely gorgeous.”

Your cheeks flush at his words. “Thanks.”

Zayne shakes his head. “There’s no need to thank me for speaking the truth,” he whispers. “That’d be like thanking Einstein for developing the theories of special and general relativity—it’s practically a given.”

You aren’t sure where the correlation is, but when one of his hands slips in between your thighs while the other grasps onto one of your breasts, you don’t care about fighting it out.

“Point is, I mean it. Every word,” he adds.

You feel like a goddess being worshiped as his mouth finds your shoulder, the smacking of his lips omitting into the otherwise quiet room as he places open-mouthed kisses on your skin. His middle and ring finger work to toy with your clit, his other hand squeezing onto your breast.

And then… he begins to rock.

You gasp at the feeling of his cock just barely moving inside of you, your body entirely engulfed in the sensations that he is so eagerly providing you.

“You feel—hah—so, so good,” he whispers against your skin, his lips climbing the curve of your shoulder. His fingers circle your clit at an agonizingly slow pace, and when you place your hand on his to guide his movements, he smiles at you in the reflection. “There’s my girl. Such a quick learner, just like I said.”

You lazily return his smile, your head resting back on his shoulder. He removes his hand from your breast to pluck his glasses from his face, placing them on yours instead.

“My baby is such a smart girl,” he purrs, his lips finding your neck as he admires you. Flushed skin, hair messed up, his glasses resting on your nose. He could come inside you at the sight, but he wants to prolong this. He doesn’t ever want to leave this moment with you. “And so beautiful too. Absolutely ravishing.”

You chuckle at that, though your laughter was interrupted by a soft moan as his fingers pick up the pace as they circle your puffy clit. “You’re… hah—handsome,” you manage to return.

Zayne chuckles at your words, nodding his head as a silent thank you. He presses another kiss on your shoulder, though he quickly leaves another one once you begin to rock your hips. He sits back, catching a glimpse of how you look when you bounce on his cock.

He grins, his hand finding the swell of your ass as he gives both cheeks a nice squeeze. “We can move back to our bed if you’d prefer, sweetheart. I don’t want you to have to put in any more effort into your pleasure tonight.”

You shake your head, glancing over your shoulder to look at him. “I wanna see you,” you breathe.

“Honey, there are positions—”

He’s interrupted by your hand reaching back to hold his jaw, pulling him up so that he too could see the reflection of you both in the mirror.

And oh, was it a sight.

“I wanna see you,” you repeat.

Zayne is in no position to deny you, so with a nod of approval, his hands find your hips. “At the very least, let me help you.”

The sound of slapping skin and your breathy moans fill the room, his large hands keeping their iron grip on your hip bones while your hands rest on top of his. He peers out from behind you, watching as your tits bounce just as you do, your hair flying messily.

“Pretty baby,” he pants, more to himself in reaction to the mere sight of you. “Such a lucky man you’ve made me, fuck… take it, baby, yeah. I love you so much, so much…” he babbles, not quite sure what he’s saying, just that he’s speaking whatever graces his mind.

“Oh, I… I love you too, Zayne,” you gasp.

You whine, grinding your hips in fluid motions as you feel your second orgasm quickly approaching. You were sensitive to begin with, and the feeling of his cock stretching you out was more than enough to bring you here.

“Shit,” he rasps, his head falling back onto the rocking chair as his eyes screw shut. “You take me so well, you fit me so perfectly, baby… I’m gonna cum, I’m gonna… oh, shit.”

You weren’t far behind him, and as your movements grow lazier, you opt to sit on his cock entirely as the both of you find your orgasms only second apart.

Ropes of white paint your insides, your cum coating the base of his cock as the two of you become one in a way that you’ve missed so dearly.

Only bliss envelopes the two of you as you slump back onto his chest, his arm wrapping around your waist to hold you close to him. The two of you sit just like that for a moment as you find your breaths that have run off, relishing in the feeling of your combined warmth.

Zayne reaches up to carefully grasp your jaw, turning your head back just enough so that he could kiss you. Your breaths mingle to add to the scent of your love that looms in the air, his other hand running soothing strides along your hip.

“I don’t deserve you,” he breathlessly says with a lovesick grin. “Quite frankly, I don’t. You’re wonderful to me.”

You shake your head, leaning down to kiss him again before he slowly helps you up onto your trembling legs. “Oh, stop that. Just because you’ve been a little caught up with work doesn’t mean that you’re suddenly a bad partner.”

Zayne sweeps you into his arms, carrying you bridal style towards the bathroom. “See? You’re simply too good to me. Such a lovely personality, the most contagious laugh I’ve ever heard, the cutest snores when you sleep, the sweetest pussy in existence… my dream girl in all capacities.”

You smile as he sets you down, pressing a kiss onto your forehead as he crosses the room to draw you a shower to your liking. Warm—not cold, but not hot enough to the point that your skin tingles. He’s had plenty of practice in this area, and he’s gotten it down to a science by now.

“I do not snore,” you murmur, shaking your head.

As he peels off his clothes, discarding them without care on the bathroom tile. He extends his hand to you to invite you inside the shower behind him. “Mhm, sure you don’t.”

You scoff, tipping the toilet seat shut. “You can tease me for my snoring once you, my 27-year-old man, master the art of putting the damn seat down.”

“…Oops.”

note. my dr. zayne would never forget to please his woman! but i really liked the concept sooooo :3 it was rly difficult for me to write him lol the dialogue might suuuuuckkkk but i hope i did him justice < 3 thank you for reading, interact if you enjoyed !!!

i ALSO kinda wanna do a similar version of this with sylus except… not nearly as gentle ig?? would you be interested??? do let me know.

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[paper-mario-wiki]

wait so how did you get a "boring" office job? did you have to go to college or did you just apply for basic stuff and work your way up from there?

it was 100% through connections.

i mean, i actually GOT the job and have been able to KEEP the job because i'm smart and capable and good at doing things and have made the company a lot of money, but if i didn't know the right people i would not have even had a chance at it, and it would be disingenuous of me to pretend otherwise.

most of the moment-to-moment skills i use for clerical work (the majority of my job) i gained in highschool through my fascination with computers + all of the programming and software classes i took.

the business and accounting classes i took in university primed me for a basic understanding of how to run a company (or at least how to manage one, as my exact title is "Business Manager"), and all of my anthropology and sociology studies have given me a pretty keen insight for communication, which comes in major handy in a corporate setting. i was able to latch onto Corpo Speak pretty quickly, which has proven to be an indispensable skill (if a bit soul-sucking to utilize).

i got this job after receiving 0 work or callbacks from Indeed after applying to dozens of jobs over several months, which is a very difficult idea to reconcile with for me. i feel like im pretty capable, but apparently people whose job it is to give other people jobs don't agree. in spite of this, in 2 years ive generated hundreds of thousands of dollars of revenue for the company that decided to hire me because the owner saw me down on my luck and wanted to give me a break.

so i have to wonder, are we stupid, or are the companies stupid?

it's the companies. ive seen it firsthand. with this job, i go to business events and meet some of the most gullible people ive ever come across, and they're all CEOs.

they're so ravenously shortsighted with regards to their quarterly profit margins that they'd chase a 5 dollar bill the wind blew off a cliff for their shareholders. or more accurately, they'd push one of their minimum wage workers off the cliff to grab it.

because of that shortsightedness, conditions are getting worse, employment terms are becoming shorter, companies are shuttering left and right, pays are stagnant or lowering, and the growing number of people this inhuman greed affects are becoming more and more restless.

if you can't get a job in 2024, there's a very good chance it's not your fault. you shouldn't give up (unfortunately for now we still need to earn money to live in society), but try not to forget that.

[batboyblog]

Things the Biden-Harris Administration Did This Week #34

Sep 13-20 2024.

President Biden announced $1.3 billion in new funding for Historically Black Colleges and Universities. The Biden-Harris Administration has already invested a record breaking $17 billion in HBCUs since the President took office. HBCUs represent an important engine for making black professionals. 40% of all Black engineers, 50% of all Black teachers, 70% of all Black doctors and dentists, 80% of all Black judges, and the first black Vice-President, Kamala Harris, are HBCU graduates. HBCUs have also been proven to be far better at boosting the long term economic prospects of graduates than non-HBCU colleges. The bulk of the new funding will go directly to supporting students and helping them pay for college.

The Department of Transportation celebrated 60,000 infrastructure projects funding by the Biden-Harris Bipartisan Infrastructure Law. This landmark is a part of the Biden-Harris team's effort to address America's long neglected infrastructure. From major multi-state projects to small town railway crossings every project was lead by a local community in need not a make-work project dreamed up in Washington

The Department of Energy announced over 3 billion dollars to support the battery sector. The 25 projects across 14 states will help support over 12,000 jobs. Advanced battery technology is key to the shift to a carbon energy free economy. The move is meant to not only boost battery production but also shift it away from China and toward America.

Maine and Rhode Island both launched a partnership with the federal government to help save low income families money on their utility bills. The program offers low and moderate income households aid in updating wiring, switching to energy efficient appliances, and installing heat pumps.

The EPA announced $156 million to help bring solar power to low-income New Mexico residents. This is part of the Biden-Harris Administration’s "Solar for All" project aimed at helping low-income people afford the switch over to solar power. It's expected that 21,750 low-income households in New Mexico will benefit from the money. New Mexicans can expect to save over the next 20 years $311 million in energy costs.

The Department of The Interior announced the first ever leases for wind power in the Gulf of Maine. The leases for 8 areas off the coast of Massachusetts, New Hampshire, and Maine will be sold in late October. The Department believes that once developed the wind power from these leases could produce 13 gigawatts of clean offshore wind energy, enough to power 4.5 million homes. When added to the 15 gigawatts already approved by the Biden-Harris team it brings America close to Biden's 30 gigawatts of clean offshore wind power by 2030.

The Senate approved the appointment of Kevin Ritz to the Court of Appeals for the Sixth Circuit, which covers Kentucky, Michigan, Ohio, and Tennessee. The Senate also approved Mary Kay Costello and Michelle Williams Court to district court judgeships in Pennsylvania and California respectively. Costello is the 12th LGBT judge appointed by President Biden, making him the President to appoint the most LGBT people to the federal bench more than during Obama's 8 years. President Biden has also appointed more black women, such as Judge Court, to the bench than any other President. Judge Court also represents President Biden's move to appoint civil rights attorneys to the bench, Court worked for the ACLU in the mid-90s and was a civil rights expect at HUD in the early 2000s. This brings the total number of judges appointed by Biden to 212.

[so-i-did-this-thing]

Hello Nicholas!

I hope this isn't a weird question, but I saw in one of your posts that you used to be in a huge amount of debt and now you're living more comfortably- how did you manage to get out of debt? I feel like every time I start even trying to figure out where to start, it's just all too big to ever get out from under. Do you have any advice for me?

Hope you have a great day!

Hey there! Yes, from about 2007-2010 (before I transitioned), I was making less than $10k/year. I defaulted on all my credit cards, exhausted my retirement, and nearly lost my house. It sucked, and in 2024, I'm finally start to feel somewhat secure. What I learned (assuming living in the US, I also did not have student loan debt):

I had to first figure out the sources of my debt. A big chunk of it was because of bad spending habits due to mental illness (hoarding + retail therapy when I was dysphoric/depressed). Another chunk was from being in an abusive friendship. Another, from being unemployed. And the last, was general capitalism (this was during the housing crisis.)

I started working on improving myself to curb behaviors that led to debt. I started working on my hoarding. I started transition to improve my mental health (had to sell some stuff to afford HRT). It took until 2015 to ditch my abuser, alas.

I started working on new job skills. I swallowed my pride and got an office job after a failed 3-year stint at freelancing. It was shitty, but enough to take care of my income emergencies -- keeping my house out of foreclosure. I got a better job 8 months later. It also sucked and I was in it for 7 years, but eventually changed industries and that's when my career took off. Because with each new job, I've gotten better and better pay.

I started using budgeting software. YNAB is my favorite. I try to account for every single dollar I have.

I started spending smarter. Food was the expense I had the most control over. I went to the salvage grocery store (you can find non-expired stuff if you hunt) and bought the "ugly" produce 1 day away from rotting from the local markets. I actually managed to eat well once I found these grocery stores, and my food bill became a fraction of what it'd been at typical grocery stores. I do wish that I had given food pantries a shot, but I was in denial about my poverty at the time.

I sold a ton of useless crap. I got rid of a good chunk of my nerd "collectibles". I only miss a few things over a decade later.

I negotiated with my debt collectors. I managed to set up payment plans with my credit card companies, condo association, and the IRS. I also did a debt consolidation loan once I qualified and was sure I could commit to the monthly payments. It forced me to be super strict about my budget and for about 5 years I didn't buy much for myself. It sucked, but I cleared a bunch of debt that way.

I got help from my family. I was embarrassed to tell my family about my predicament, but it became impossible to hide. I got help cleaning out my hoard and my mother has gracefully given me generous cash gifts every now and then. Never enough to be life-changing, but enough to give me a mental breather.

I played the credit score game. This one seems counter-intuitive, and requires some self-control about not abusing credit cards. Many people recommend the "snowball" method for paying off cards (pay off your lowest debt asap, then go to the next one), but I went with a "credit utilization" method (bring my highest used cards down to the next utilization level, then move to other cards) so I would see immediate changes in my credit score. What is credit card utilization? It's the percentage of how much of your credit card you're using. A card with a $1,000 limit and $100 on it = 10% utilization. Your credit score changes when you cross the following thresholds: 90%, 70%, 50%, 30%, 10%. Once my credit score started going up past 400 (especially as defaults started falling away), I applied for a secured card. As I started using that better, I applied for a few more cards, then for credit line increases every 6 months. My car insurance rates were tied to my credit score, so as soon as that improved, I switched companies and saved money there.

Mistakes I made:

Being in denial that I was poor. I didn't really look for resources on how to live while in poverty. This hurt me a lot because I ended up neglecting myself out of pride, which made my situation even worse.

Payday loans. I got stuck in the payday cycle for about 8 years. I wish I had sold more stuff or asked family for money to have never needed that initial loan. Once you are in the cycle, it becomes very difficult to get out.

Not going to a food bank.

Not asking for help sooner. And not just financial help.

Not getting out of abusive situations sooner. This is hard, and I sympathize with anyone in a similar position. But if you think it's time to move on, trust your gut - don't sacrifice yourself for people who don't care about you.

Ignoring debt collectors, because I was too afraid to negotiate for a plan. The IRS was so patient with me in the end, even after defaulting twice on plans.

Not considering getting a roommate to reduce costs, or not thinking of doing more things like shared meals with my fellow poor friends. Again, denial and pride. Humility is not a bad word and I wished I had learned it sooner.

Not changing jobs sooner. Curbing my hoarding and getting a better job are responsible for about 90% of me being where I am financially today.

Getting out of debt is a marathon. It took over a decade for me, and I am *still* feeling the sting of poverty. I wish you the best of luck. Folks are welcome to tack on specific tricks and strategies -- this is just a general outline of my particular journey.

[ceasarslegion]

By the wishes of a few people, here's my advice post about living alone. Keep in mind I'm speaking from the perspective of a canadian urbanite, so this will not apply to absolutely everybody in every kind of culture, economy, living situation, those in rural areas, etc. This also is not assuming wealth disparities are a matter of personal attitude, i KNOW it's complicated. Get back with that shit right now, you know damn well this advice assumes you are able to achieve the financial means to live on your own and is not disparaging anyone who legitimately can't.

Let's cover the basics first.

Source of income:

This seems rather obvious, but your income should be regular and reliably the same or similar on a monthly basis. The most obvious way to achieve this is with a job, and I'm sorry but minimum wage is not going to cut it on your own anymore, which means you're going to have to swallow your pride and accept that you'll likely have to work for some industry or corporation with a dodgy moral record. Get used to it. There is no point in self-flagellation, the world is complicated, just take the 50-60k a year office job, no one actually expects you not to and nobody will hold it against you when the "moral" option is soul-crushing retail. The real world really doesn't give a shit what you have to do to afford a comfortable lifestyle as long as you do what good you can within your abilities, no one in the real world expects you to sacrifice your own wellbeing for a cause.

Salaried positions are your most reliable because you'll always pull the same amount, while hourly pay comes with the ability to pull overtime pay in exchange for more shifts, but if you run out of sick days you'll have to spend the rest of the year taking unpaid time off when you need to call in. Whichever one you choose depends on what's available to you and what's right for you physically and mentally, I can't make that call for you.

You also need a credit card. That is non-negotiable. If you don't have a credit score, you can't sign a lease. Bad credit is better than no credit. We can argue until the cows come home whether or not credit scores are good or bad, but it's just reality that you're going to need one. The good news is it's fairly easy to build credit from no credit: you just have to pay off your credit card in full on time every time. The bad news is it's equally as easy to tank your credit score, you just have to miss one or pay it too late, and it's very hard to build good credit back from bad credit. So don't see it as free money, only spend as much as you can pay back, and if you don't have credit right now, start with small things like lunch and little treats that you immediately pay off.

Looking for a place to live:

Once you have your regular and reliable source of income, you can start looking for your place. There's a few things you should keep in mind:

-Draw up a budget for how much you can spend on rent and bills. That includes all basic living expenses: rent, utilities, food, internet, phone, hygiene. Compare how much you make per month to what you can spend. 1/3 to 1/2 of your salary is a bit more realistic to expect to spend on rent alone nowadays, so work within that range when you apartment hunt. Think of everything when you're budgeting, like how much do you spend on haircuts per month? You probably didn't think of that, because I didn't either at first.

-Apartment buildings with some/all utilities included often have higher base rents. You have to keep in mind that this is so the landlord can balance out the utility bills of the whole building, which are unpredictable expenses and on them to pay every month. If you don't know how to budget yet or don't know how to do so with unpredictable bills, I highly recommend trying to find a place with utilities included so you know EXACTLY how much you'll need to pay every month and can plan in advance

-Older buildings tend to be both cheaper and more likely to have centralized utility systems, which means they have to include it in the price of rent because there's no way to tell who used how much of something. If it's your first place alone, you'll probably be tempted to get the brand new, expensive building down the road, but it won't actually make much of a difference when you move in. You will love it regardless.

-Never ever sign a lease until you've either seen THE unit you're considering, or one of the show units that is exactly the same layout. The last thing you want is to go off online photos only to move in and find out the building has a mold problem. You can arrange personal tours by contacting the building manager or the landlord directly. Phone calls are the best way to do this.

-If you want the unit after seeing it, you know you can afford it, there's nothing funny about the place, apply IMMEDIATELY. Places are usually on the market for a few days before they're snapped up by a new tenant, you have to strike while the iron's hot.

-If you've decided on the place you want and had your application accepted, read the lease carefully before you sign. Many places require tenant insurance that meet specific policy requirements, have registration rules about long-term guests, outline how the parking works, quiet hours, smoking rules, mail, laundry, all the way down to what kind of barbecues are allowed on your deck in the case of mine (I am in a wildfire danger zone, so any types that produce embers are strictly prohibited for fire safety reasons). Ask any question that comes to mind about the lease. Not everything in a lease is some human rights violation just because you don't like landlords, keep in mind you're living in the same building as dozens of other people, so there has to be ground rules established for everyone's sanity.

-Internet is often not considered a utility so you'll have a hard time finding any place that includes it. You can arrange to have your wifi set up in advance of a moving date on a specific time and date, do this right after you sign a lease so you don't forget. They won't charge you until you're actually hooked up to the network.

-If your utilities are NOT included, get those set up in advance too. The main ones are HVAC, water, and electricity. The companies that do this vary depending on where you live and what's available, so shop around online once you've signed your lease and sign up as soon as possible. The last thing you want is to forget this and then move into a dark freezing apartment with no water.

Budgeting:

After your living expenses are covered, you should have a comfortable amount of financial wiggle room leftover. If you wouldn't, the place you're looking at is either too expensive, or you're being overcharged elsewhere. It's completely normal for living expenses to take up most of your budget these days, you're doing just fine in the same boat as everybody else if that's the case, so don't panic yet. If you have absolutely NOTHING leftover though, then you're out of your price range.

You also need to set money aside for fun and saving. Do not forego fun money, your brain will try to kill you with hammers and knives if you never get or do things for yourself. And if you're on your own, you're the only one providing that for yourself now. And a solid building base of savings will only help you in the future, whether you lose your job, have an emergency, or even need a down payment on a house later in life. Don't be a doomer about your circumstances or the socioeconomic and generational cards that were dealt to you, chip away at it a little at a time. And don't fall for social media's insistence that anybody with anything at all is some bourgeois degenerate or that being fortunate enough to be able to have upward mobility makes you some ultra wealthy shithead, working towards a comfortable standard of living for yourself does not make you a rich elite or a bad person. You're working towards the standard we should all live as, not exploiting the poor or being a class traitor. I feel the need to add that last part since we're on the website of "struggling art students in NYC are bourgeois that are just bad with money and having a gaming computer makes you upper middle class." Don't listen to a word any of those people say, I know it comes from a place of very real hurt and pain for them but that doesn't make it grounded in absolute reality for absolutely everybody.

Social needs:

If you're by yourself, there's gonna be a lot more work you have to put in for your social and entertainment needs. I can not stress enough how important it is to give this the time and work it needs, do not neglect this.

Lots of libraries have clubs you can join that will get you out of the house and meeting new people regularly. They're either free or very inexpensive. This is a great place to start.

Take advantage of technology we have now. Hop on discord calls more frequently, make sure you're talking to your friends on the regular and try to make plans as much as you can.

Also, I advise finding lots of things you can do by yourself. You will be spending way more time alone than you ever have before, so find single-person hobbies. Go thrifting, get into knitting, go explore the city, read lots of books, do puzzles, just don't lock yourself inside all day in your free time. Even if you're doing it alone, going out and seeing that the world is bigger than your apartment and your workplace is very good for you.

Misc advice:

You don't need a conventional coffee pot maker. Single serving will suit you just fine.

Cleaning is easier when you have a routine. It doesn't all have to be done on the same day of the week, but having a regular schedule of what gets cleaned when for non-daily chores will help you keep on top of it. And please, god, don't neglect your cleaning and hygiene just because no one lives with you to see it. On that note, spray bottle all purpose cleaners are your best friend for daily spot cleaning and you should deep clean your washroom around every 2 weeks in my experience since that's where you'll be doing most of your personal hygiene. Also make your damn bed, yes you'll just get back into it at the end of the day but having a major part of your space neat and tidy will do wonders for your mental health.

Don't buy the cheap garbage bags. Some things you really do want the expensive shit for.

If you don't have a car, delivery service/rideshare subscriptions ARE worth it and legitimately economical in the long run. I do wanna circle back to square one and say that yes, most of them like prime and uber do have dodgy moral records, but sometimes you just gotta swallow your pride and accept that. Once again, no one in the real world expects you to spend your entire day on public transit looking for toilet paper that isnt 30 dollars a pack or lugging 50 pounds of groceries back on a bus just for a cause. It's not the fault of someone who needs these services for their quality of life that they do the things they do, don't put that responsibility on your or other's shoulders when the fault lies at the top of the corporate ladder.

When you're budgeting for living expenses, expect your income to be at the lowest and your expenses to be at the highest. I expect 2 call ins per month and to need to spend the max amount i have on groceries every time, that way I never fall short and never have to cut into my savings that I've dubbed my "oh shit, I'm broke" money. Your emergency reserve may look tempting to you, but as someone who has been in a position where they had to drain it to nothing in the past because of an unforeseen financial emergency, you REALLY are gonna want that untouched if and when shit hits the fan. Life is unpredictable, prepare to roll with the punches so they don't knock you out.

A few people wanted to be tagged in this, so here you go @lilsnatch and @kisstheashes <3

[fans4wga]

August 4 - Hollywood Food Insecurity Spikes Amid Strikes

The entertainment industry’s most vulnerable workers are increasingly unable to feed themselves amid a historic double strike with no clear end in sight, according to non-profits tasked with addressing the food insecurity crisis. They describe Hollywood’s ongoing work stoppage — prompted by the contractual impasse between the writing and acting guilds on one side and the Alliance of Motion Picture and Television Producers on the other — as a humanitarian emergency broadly affecting the community, not just striking union members.

The Los Angeles Regional Food Bank, which runs pantries for those in need throughout the county, attributes a meaningful portion of its nine percent uptick in year-over-year distribution to the strikes’ impact. “When income stops immediately, the demand rises very rapidly,” explains chief development officer Roger Castle.

“This is happening right after the pandemic, which drained a lot of people’s savings,” observes Keith McNutt, executive director at the Entertainment Community Fund, which has distributed $3 million to more than 1,500 workers as of Aug. 1. “So, you have the financial burden on people who’ve already been depleted.” As a result, his organization — whose donors include Seth McFarlane, Steven Spielberg, and Greg Berlanti — has seen an unprecedented wave of immediate requests for basic living expenses, including groceries. “Before this started, we would do about 50 grants out of the L.A. office a week. Now we’re getting 50 applications a day.”

On July 28, below-the-line unions IATSE and the Teamsters Local 399 held a drive-through food drive for industry members affected by the strikes at IATSE’s West Coast headquarters in Burbank. It drew about a thousand vehicles throughout the day.

According to the relief nonprofit Labor Community Services, which helped to organize the event and is planning another in August, the organization distributed 1,740 food boxes, feeding an estimated 8,700 people, that day.

In California, striking workers are ineligible to receive unemployment assistance, while nationally, they cannot receive SNAP food benefits unless they qualified pre-strike — something Sen. John Fetterman of Pennsylvania is aiming to change with a new bill, introduced July 27. One place that striking actors in particular can turn to for help during the work stoppage is the SAG-AFTRA Foundation, which offers emergency financial assistance and other resources, including grocery store gift cards, to union members. SAG-AFTRA made a seven-figure donation to the Foundation early in its strike to assist these efforts. (The WGA West does provide its own members with emergency financial loans from its strike fund and Good and Welfare fund.)

Cyd Wilson, its executive director, has seen an explosion in demand for the organization’s help. “People are making these decisions: Should pay my rent, or should I put food on the table? Should I put food on the table, or should I pay my utilities?” she explains. “There’s a great deal of suffering that’s happening.” By Wilson’s estimate, the foundation is now handling 40 times its typical number of applications per week, and it has already distributed as much in grants since the beginning of the WGA’s strike three months ago as it typically would in the span of a given year.

Meanwhile, Groceries for Writers, a direct aid project administered by Humanitas, a non-profit focused on film and television writers, has distributed more than 1,100 gift cards to WGA members since the onset of its work stoppage in early May. Humanitas executive director Michelle Franke says that “many of these writers have left notes indicating they’re in very urgent financial situations. Writers describe struggling with student debt, falling into eligibility gaps with CalFresh and EDD [state unemployment assistance], eviction notices, writing teams splitting low pay, having only just moved to Los Angeles and not having a large local support network as a consequence, dwindling savings.”

Groceries for Writers is hardly alone in addressing the growing need. In July, L.A.’s World Harvest Food Bank founder and CEO Glen Curado estimated to The Hollywood Reporter that his organization, which is offering free food to striking writers and actors, was serving an average of 150-200 members of this group per day. That effort was inspired by The Price Is Right host Drew Carey’s gesture of paying for all striking writers dining at Bob’s Big Boy in Burbank and L.A.’s Swingers Diner for the duration of the work stoppage.

THR asked both the AMPTP and the talent unions whether they bear any responsibility for the worsening situation. In a statement, a spokesperson for the AMPTP said: “Like those negotiating on behalf of the guilds, representatives from the AMPTP and its member companies came to the table in good faith, wanting to reach an agreement that would keep the industry working and prevent the hardships caused by labor strikes.” SAG-AFTRA didn’t respond to a request for comment, while a WGA spokesperson said in a statement: “The public knows that working people are putting everything on the line in order to negotiate a fair deal with the studios who have caused this strike and the resultant suffering by refusing to address the reasonable proposals that writers brought to the table over 90 days ago.” Neither the AMPTP itself nor any of its major studio and streamer members responded when THR asked if the companies or their philanthropic arms had made any contributions specifically to address the industry’s food insecurity crisis since May.

Support staffers — early-career workers who fill roles such as assistants and coordinators and tend to be low-paid — are especially at risk at this time. “So much of the compensation that they receive is, no one’s going to say it, but it’s implied to be food-based,” notes Liz Hsiao Lan Alper, the co-founder of advocacy group Pay Up Hollywood and a WGA West board member. Alper says that support staffers are often paid the “bare minimum” but access complimentary food through writers’ rooms, craft services on sets or in agency kitchens and conference rooms. And so, when the strikes occurred, the need was “overwhelming,” she explains: “It’s invisible compensation that just went away when the work stoppages happened.”

For that reason, on June 7 Pay Up Hollywood relaunched its COVID-19-era Hollywood Support Staff Relief Fund. So far, the fund has distributed around $45,000 in one-time financial need grants up to $1,000 apiece, according to organizer and support staffer Alex Rubin, who says she’s encouraged support staffers to obtain free food distributed on picket lines. “I think that there is a little bit of embarrassment and insecurity about not being able to feed yourself,” she says. “It is the reason why we give our grants as just like, ‘Here’s a one-time grant. You don’t have to tell us how you want to use this.’”

Helping people in entertainment with food during work stoppages is a “tangible message,” says James Costello, a Teamsters Local 399 driver and an IATSE Local 44 prop master, who was volunteering at IATSE’s July 28 food drive. A second-generation Teamster, Costello still remembers a union strike in the 1980s that prompted his parents to warn their children that their Christmas holiday would be affected that year, and the Teamsters emergency relief that arrived in the fall, offering groceries and a Christmas tree.

As the strikes drag on and both the WGA and SAG-AFTRA have yet to formally reprise negotiations with the AMPTP (although the Writers Guild is set to have a preliminary meeting with the studios’ organization on Aug. 4), the non-profits on the front lines of the industry’s food-insecurity crisis are girding themselves for a long period of need. SAG-AFTRA Foundation’s Wilson says it’s pursuing a “very aggressive fundraising strategy” to meet the demand. (Already, it’s netted over $15 million in emergency assistance from stars like George Clooney, Nicole Kidman, Matt Damon and Dwayne Johnson, who are donating $1 million or more apiece.)

The Entertainment Community Fund’s McNutt notes that pocketbook pain will outlast the current conflict. “Just because the strike ends, it doesn’t mean the need will end. Everyone doesn’t go back to work the next week. We’re going to be looking at this [elevated] level of need for months afterward.”

Give to the Entertainment Community Fund

Give to Humanitas' Groceries for Writers

Give to the Green Envelope Grocery Aid mutual aid fund

[kingshovelbug]

Hii what is your best advice to younger adults trying to make it independently and make a living? In art, savings or anything you think of. Thank you in advance!

dont be too hard on yourself. its tough out there right now in regards to like everything regardless of what old people say. also this is going to be a lot so im slapping a read more on here

⭐️ first thing id recommend for anyone is to start figuring out a budget. figure out how much youre making monthly. keep all your food receipts for a month or two to see what youre spending on food. find out what youre paying for thats necessary like utilities and whats not

the goal for a budget (or at least mine) is to find a good balance of earning vs spending. im paying off my credit card right now because i ran through all my savings after we had to move last year but my goal used to be to save 1/4 of what i earned after bills and putting money into an emergency fund (usually an emergency fund is 3 months worth of expenses). but it depends on how much you can comfortably put away. if you can put more away do it. but if you never spend money and deprive yourself of joy youre going to burn yourself out regardless of what your job is

⭐️ if youre not already buy store brand for as much shit as you can. if its an ingredient i promise as someone who cooks and bakes you probably wont notice the difference. if its an actual snack it depends. again both from a money perspective and to boycott pro-isreal companies we get a lot of snacks from aldis and theyre awesome. i dont miss anything from mars, oreos etc when i have my chocolate coconut wafers

⭐️ if you have any subscriptions and you need to get rid of something you can probably cancel them. for *most* things theres some kind of free alternative. but again just like with a budget. there are going to be some subscriptions that make your life easier and while youd save money without them it would lead to extra work and burning out. ex willow has kofi gold because it has really cool extra features that help with running the shop. but for streaming services? im going to be so honest. both to save money and with how cheeky streaming companies (in a bad way) have been getting… you can find whatever you want to watch online for free

if you need to use anything from the microsoft office suite, but youre not required by youre job to specifically use microsoft, libreoffice is a free alternative that i actually like better. its what i use to help willow run their shop and its free

for art programs. if you still have photoshop switch. not just for money reasons. adobe is getting bold with what they can claim as their content and use from what people produce in their program. the switch isnt the easiest but there are a bunch of alternatives. some free some like csp offer one time licenses which are so much better than subscriptions. will has spent almost $2k on photoshop and after effects from using it as long as they have. when csp is $50 and they like csp better anyways. i also know of krita and fire alpaca which are free

⭐️ also theres stuff about being an adult that i thought you had to pay for but you dont? like for car insurance i went through an independent insurance agent and they found me a cheaper plan than i could find myself. i didnt pay the guy. they get a cut from the insurance company for finding them another customer. some banks or credit cards offer financial advising sessions to users. its boring but if you can get a copy of your health insurance see if they have any free shit on there thats available for you. my brother gets free doctor finding? like i can call them, tell them what specialist he needs and instead of me calling around to find one that can take him, they connect me with someone. my work offers 3 free therapy sessions (better than nothing) and free food that i take advantage of

⭐️ i think one of the biggest things that makes an impact for us is researching before buying stuff. sounds like a no brainer but you dont just want to find the cheapest deal. you want to find the best bargain, the best bang for your buck. whats the best quality thing you can get that you can also afford? itll prevent your from having to replace stuff all the time and by extension spending more than you need to. we have nonstick pots and pans that are scratched and starting to peel (which apparently can cause cancer??) that were cheap because of being on sale. now after looking into what makes quality cookware i know i should of just slowly bought stainless steel

⭐️ last big one. credit cards. unfortunately we need them so find one with a low apr and that offers decent cash back. use it up to like 20% of your limit and pay it off every month. focus on using it on things that will get you cash back so you can essentially get free money

im sure i could ramble more but this is already super long

[cardcaptorsakura96]

Taxes, Taxes, Taxes-Chapter 1

Summary: What if superheroes had to pay a property damage tax every time they had a fight in the city?

Kara is seated at a cubicle in her Supergirl costume staring at a typical pencil pusher hurriedly typing in the numbers. She looked around and saw Clark sitting in another cubicle behind her. He turned around and wave. 

“Let me know if you need any help!” 

Kara winced, hurriedly turned back around, and slouched in her chair. She looked back at the desk and saw the paper that brought her here. She was being charged $10,000 in property damage to the city while as Supergirl. Clark got the same paper, but he only has to pay $5. Her eyes started glowing red in rage while she gripped the chair. She closed her eyes and took several deep breaths.

 “I hate being jealous, but it isn’t fair! I was supposed to be his defender, not the other way around. I even had military training before coming to Earth, but Clark makes everything here seem so effortless. It just makes me feel….irrelevant.”

It was a sobering thought that had been haunting Kara each day. If she couldn’t serve her purpose, what was she going to do? She was nearly drowning in her sorrows and self-hatred when she felt the office lady’s hand on her arm. She looked up at the lady and saw she had a cheerful disposition. Kara forced the smile back into her eyes and lips. 

“I am sorry that I drifted off there….um Connie. Isn’t that your name?”

“Oh, you remember my name!”

Connie’s smile looked so genuine. Kara would have found it cute if this pencil pusher wasn’t about to clear her out of cash. She forced her smile even brighter hoping to charm the pants off this lady to lower the cost down.

“Yes. I try to be good with names as I can. Were you able to find anything that can bring the cost of the bill down?”

Connie’s smile grew dimmer. 

“Shit!”

“Well, we can’t lower the cost…”

“Even though this is my first time?” said Kara with a pout on her face. 

She wasn’t above groveling. She didn’t have this type of money, and she will be damned if she had to beg Clark for help.

“I know this seems very steep, but when villains and superheroes fight in the city, it causes a lot of property damage. The tax was created to help discourage these types of situations.”

“Even when we are saving the city?”

“If there was no way to get the villain out of the city, there would be little to no charge.”

“Which is what happened in my case.”

Connie’s face fell a little and started twisting her hands.

“Well, not exactly. While fighting Livewire, you took out several buildings before taking her down.”

“Yes, I remember.”

“Property could have been saved if you had utilized the fire hydrant and open pool in the area to stop Livewire due to her water vulnerability instead of using brute force.”

Kara slid further in her seat and sighed.

“I could have been more careful, but I was just in a hurry to prove I could do things faster than Clark.”

Kara looked back and saw that Clark had finished his payment and left. She looked back to Connie solemnly and asked, “What can I do now? Is there some type of payment plan I can do since I don’t have that type of money on me?”

Connie smiled a bit and said, “There are tons of options. We have a variety of payment plans, or we have different volunteer opportunities that you can choose to work off the payment.”

Connie passed her the book of all their volunteer opportunities and perused it for a minute. She was bored until one entry caught her attention and brought a smirk to her face. 

“I choose this one.”

Kara watched Connie’s face changed at her choice from a smile to a frown instantly. 

“Umm, are you sure you want to do this type of work.”

Kara smiled, and said, “Why wouldn’t I want to bring smiles to sick kids in a Children’s Hospital?”

“But…um… it is run by Lena…”

“Luthor. Oh, I am aware. I believe in judging people for their merit and not by association.”

“Okay, if you’re sure.”

“Oh, I am sure.”

“Me working for the sister of Clark’s greatest enemy. This will so get under his skin.”

Kara laughed wickedly as Connie eyes her warily while signing her up for the volunteer gig. 

[ratatouillewastakendammit]

Maid To Be Yours

Pairing: Dabi x Reader

Summary: Maid-Sama meets Touya Todoroki because that fucker would die to see you in a maid outfit. (Part 2)

Warnings: Smut, slight public-sex, language, vaginal fingering, the title tbh, Dabi too he gets his own warning

Word Count: 2.7k

“Behind,” you muttered, slipping past the chef and into the main seating area.

The room was abuzz with soft music and the smell of nostalgia. Girls in a similar uniform to yours were presenting some steaming dish or cheerfully chatting with their customers.

Your own, a pair of teenage boys who were probably just here for a cheap look at the servers, were laughing heartily about something unimportant as you walked over.

As long as they tipped well, you didn’t really care.

With a polite smile, you passed them their checks. “Thank you so much for dining with us. Please come again!”

And with a small bow, you were gone, weaving around the tables toward the quiet sanctuary that the locker room provided.

It was fairly busy for a Wednesday night, which meant more money, but also meant more people to deal with.

The constant activity of a full house made it difficult to not become overwhelmed. And while you dealt with an overload of alarming tasks on a daily basis, it did become tiring after a while.

Your mind felt drained from the constant employment of a likable persona, your limbs heavy under the weight of fatigue from hours of carrying over-sized drinks.

Thankfully, the flow of customers had finally begun to trickle to a slow, allowing you the sweet relief of a well deserved break. The charming guise cracked as you slumped over a bench, allowing a weary sigh to slip through the fracture.

“You okay?”

“Hm?” You looked up, meeting eyes with your manager. “Oh, yeah, sorry. Just a bit tired, I guess.”

It had been quite the night, keeping you out well over two in the morning. Unfortunately, your last minute decision to take some overtime had you waking up a mere six hours later.

In hindsight, a horrible choice.

Flashing a grin, she shot you a thumbs up. “Well, you’re doing great! Thanks again for picking up all these extra shifts.”

Your manager was a kind woman, although you silently wondered whether or not the enjoyment she found in this line of work was exactly warranted. Regardless, she was lenient and in no way condescending, a trait you had seen in many of the other bosses you’d had the pleasure of working under.

She took a step into her office, pausing for a moment in thought before turning back in your direction. "Actually, I know you're about to go on break in a few minutes. Would you mind tossing the trash out real quick?"

"Sure, no problem."

"Ugh, you're amazing," She gushed. "Remind me to tell you about the new hire tomorrow, yeah?"

Another thing about your manager was that she was, for want of a better term, very communicative.

Seeing as you and the other waitresses were relatively close in age to her, she seemed to show great interest in your personal lives, which resulted in a good amount of friendly gossip among your coworkers.

This also produced some unwanted questions and comments. She thoroughly enjoyed the standard 'you're too pretty to be single,' or a good old petition to set you up with a friend or neighbor.

Thankfully, you were quick to come up with excuses or some other lie that would quell her curiosity until it was placed upon some other unsuspecting victim.

However, you wondered what she would say if she caught wind of those hidden aspects of your life.

Of course, it wasn’t as if she would actually come close to finding out about any of them.

No one would ever guess a member of the infamous League of Villains would be working as a waitress in a maid cafe.

Being a criminal didn’t pay the bills. It gave you a place to stay, even when if that place was a small room a few floors above a musty bar, but it didn’t give much leeway financially. There were still other utilities and items that required money, hence your need to find another job.

Obviously, this hasn’t been your first choice.

Public service was not for the faint of heart, even for someone who associated with killers and other psychotic individuals on the regular. Not to mention the dress code, which had you rethinking your life choices upon inspection.

Regardless, the pay was a lot better than many deserving workers in the restaurant industry received and the hours were flexible, a necessary benefit for someone like you.

The cafe was also fairly far away from both the League’s hideout and your own living area, giving you peace of mind that no one would ever find out about your embarrassing side-gig.

Another thing you had come to find about workers as a criminal was that a lot of your colleagues were assholes. This wasn't surprising, seeing as they killed people on the regular, but it definitely gave you ample reason to keep your personal life private, even if a particular blonde teenager vehemently voiced her disapproval of your attempted reservedness.

That was a can of beans you had no intentions of opening.

You tied the top of the trash bag, hauling it over your shoulder and nudging the back door open with your knee. It opened into an alleyway, secluded from the busy streets and surprisingly clean.

The dumpster lifted open with a creak. It threatened to fall closed, but you propped it up with the bottom of your palm, slipping the bag through and taking a quiet exhale of victory.

"No fucking way."

Tensing at the unforeseen voice, you spun around with your hands up and ready for any trouble. Your heart slowed slightly upon recognizing the familiar face, only to pick up a moment later in panic.

Out of everyone in the League, Dabi was most definitely the last person you wanted finding out about this. His cocky attitude and overall lack of empathy for those around him had you extra weary about what you let slide concerning your personal life.

The fact that you had taken a slight attraction to the man also might have been of influence.

Exactly why, you weren't sure, especially since he had seemed to have recently found entertainment in the pastime of getting under your skin.

Maybe you were just a masochist.

You fumbled in a feeble attempt to cover yourself up, but the damage had already been done.

His surprised expression brightened considerably as he watched a plethora of emotions wash over you in sick glee. "So, this is your other job?"

"What are you doing here?" You avoided his question, tugging on the ruffles of your skirt and internally cringing when the fabric barely covered the highest part of your thigh.

Crossing his arms, Dabi leaned back on the brick. "There was a situation on fifth. The police should be here in twenty minutes, so I would watch out for that."

You sighed in annoyance, but the cops were honestly the least of your worries right now. "Shouldn't you... ya know, get out of here then?"

"Eh, later. I'm enjoying this." He shrugged, almost like an arrest paled in comparison to his new discovery.

Dabi pushed off the wall and began walking over to you. With every step forward, you took one back, avoiding his advance until your own shoulders hit the building behind you.

Turquoise eyes unabashedly scanned your frame and you unintentionally shifted under the strength of his gaze. He must have noticed, a tip of smirk pulling at the corners of his lips. "Who knew you were so cute?"

Blinking back in surprise, you shot him a glare that only made him laugh. "Don't call me that."

"Aww, is someone getting shy?"

"Pissed off, maybe," you muttered, trying to push past him and back inside the cafe, any place where you could sit and steep in your embarrassment alone.

Unfortunately, Dabi wasn't having it. He slipped an arm around yours, pulling you back around to face him.

"Oh, come on, doll." He tapped your nose with his finger, having it smacked away a moment later. "I think flustered is a great look on you. Do a little twirl for me, yeah?"

"I will kick your teeth out."

He gasped, the sound brimming in false hurt. "So harsh. Didn't you take this job for a chance to be nice to people? But if it was for the dress, I wouldn't judge either."

You rolled your eyes. "Obviously not, asshole. Shigaraki doesn't pay my bills."

"You know I have money, right?"

"And you'd be so generous to share?" You scoffed.

"In that little number," he cocked his head, a wicked grin flashing over his expression. "I'm sure we could work something out."

Heat bloomed up your neck at his insinuation, another insult getting caught in your throat.

Raising a hand to your temple, you let out an exasperated sigh in a meager attempt to regain your verbal footing. You had just about calmed down when you heard the shutter of a camera.

Your eyes shot up, heart dropping when you saw the phone in his hand pointing in your direction. "What are you doing?"

"Insurance policy." He inspected the photo for a moment. "There's no way anyone's gonna believe this without something some sort of proof."

"Dabi."

"Yeah, sweetheart?" His eyes flashed up to yours, faux innocence washing over his features at the anger evident in yours. "Oh, did you want this?"

Your fingernails bit into the palms of your hands, leaving tiny crescents behind that were evident of your vexation.

He loomed over you, eyes gleaming in sinful amusement. "You're gonna have to ask nicely then."

"Fuck you."

"Darn. Ya know, that's not the answer I was looking for." He swiveled on his heels, giving you an unbothered wave with his free arm. "See you later, doll."

You lunged forward, but he was quicker, not to mention taller.

With a surprising reaction time, he dodged your advance, lifting the phone until it was suspended just a few feet above your head. Every time you made a grab for it, he would straighten up just a few inches, making sure that the device was always centimeters from your grasp.

"Just give it!"

Dabi took hold of your elbow and pulled. You fell forward with a yelp, surprised at how easily he maneuvered your body against the wall. With your back pushing into the brick and his arms caging you in on both sides, there was nothing to do but succumb to his hold.

"You're telling me what to do?" The laugh he let out shot heat straight between your legs. "Sorry, doll, but I don't think you're not the one supposed to be giving orders here."

It was almost alarming how easily he was able to over power you, even more so how you barely even minded. Every suggestive sentence permeated your train of thought, thwarting any attempts you might have once had at preserving your pride.

His hands snaked down to your waist as he leaned forward, breath tickling the tip of your ear. "Now, I wanna hear it in that pretty, little customer service voice how much you want to keep this between us."

The movement sent a shiver down your spine. It was obvious that Dabi was an intimidating individual, but never like this. His presence was overpowering, the mocking tone of his voice a mere whisper of the intensity within his sharp features.

"Please keep this between us," you muttered, trying to push as much audible annoyance into the sentence as possible.

With a satisfied hum, he drew back and turned his phone off before slipping it in his pocket. "See how easy that was?"

"But you didn't delete it," you protested.

"Relax, sweetheart, I'm not gonna show anyone." His gaze raked over your form, a smug grin pulling at the corners of his lips. "I'm the only one who gets to see you looking like that."

The hand still holding your hips began to trail lower, gently grasping the top of your thighs.

Your eyes widened at the feeling. "What are you doing?"

Cerulean irises flashed up to yours as his movements came to an abrupt halt. "Do you want me to stop?"

"No," you breathed, far too quickly for your liking.

A smirk cracked over his features. "That's what I thought."

And his lips crashed against yours, hands moving to cup your face in a gentle ardor you didn't know he possessed.

He lifted his knee, nudging it between your thighs and drawing a sigh from you. He took advantage of your surprise, slipping his tongue forward to meet yours.

The kiss turned desperate. It trailed down toward your jaw and right above your neckline, creating marks that you could only hope to be able to hide.

Lust began to cloud your senses, fogging over your mind until rational thought became unnoticed. You unconsciously began to roll your hips over his thigh, desperate for friction in whatever form possible.

With squeeze he gave your ass, and the way he grinned into your neck, it was evident that he noticed.

"Do you know how long I've thought about you like this?" His voice was coarse against your neck.

"In a maid outfit?" You breathed, earning a short laugh.

"Desperate for me to fuck you stupid, but that's good too."

Dabi sneaked a hand under your skirt, nudging the fabric of your underwear to the side. He ran a finger across your slit, examining the wetness that followed it with pure satisfaction. "Shit, I've barely even done anything yet."

Your body stiffened as his thumb brushed over your clit, slowing rolling over the nub until your hips followed each rotation.

Satisfaction flashed in his features at the way your body reacted to his touch. “That's right. Show me how needy you are for me."

“Plea-” the rest of the word fizzled into a sigh as he pushed a finger into you.

“Come on, sweetheart. You can do better than that.” The encouraging statement reeked of mocking amusement. His hand curled into you, eyes brightening with every gasp and whine he pulled from you.

You grabbed onto his shoulder, legs weakening into jelly. "Fuck, Dabi, please!"

"There you go, doll." He slipped another finger inside and a moan slipped past your lips. The pace of each push increased steadily, following the wordless pleas that you gave.

Pleasure coursed through you with each one, his thumb still trained over your oversensitive clit. Your surroundings faded away into a mindless afterthought in the midst of euphoria.

It was only a few minutes before you were melting in his arms, falling apart in a mess of ecstasy.

“So pretty.” He muttered, brushing a strand of hair that had fallen askew behind your ear.

The world was quiet, bathed in a gentle glow that the setting sun provided. Shadows grew within the corners, a physical hint to the ever passing time.

Still, you could've stayed there forever, resting in the bright cerulean that admired your shaking form like it was a work of art.

Of course, it would have been surprising if you were granted that luxury.

Sirens sounded in the distance, a sound that you were more than familiar with, but one that had never been as unwanted as it was now.

Dabi seemed to share a similar sentiment.

“You've got to be kidding,” he groaned, drawing back and taking a look down the alleyway. Annoyance flashed over his expression, taking the place of worry that any rationally thinking individual would experience.

You cleared your throat. "Uh, you should probably get going then."

His gaze turned back to meet yours, softening a bit under the fading sun. Regardless, that shit-eating had returned, much to your dismay.

"How sweet of you to worry," He teased, earning an eye roll. Coming forward once more, he brought his lips to yours again before moving to leave. “See you later, doll. I'll make sure to fuck you properly then.”

You could only imagine what a mess you looked like, breathless and slumped against a wall behind your cafe. The brick supported your body as you saw Dabi's come to a pause, like a passing train of thought had overtaken his path.

Face still warm from his lewd comment, you watched him turn slightly, voice echoing off your surroundings in one final statement.

“Make sure to bring the outfit.”

[rjzimmerman]

Excerpt from this story from Yale Environment 360:

The November 5 election was the worst-case outcome for climate regulation. The return of Donald Trump to the Oval Office and Republican control of the Senate and the House of Representatives will halt federal progress and lead to a reversal of most of the climate initiatives undertaken by the Biden administration.

Such a rollback occurred after Trump first won election in 2016, but this time the stakes are even higher. Trump has promised to halt spending under the 2022 Inflation Reduction Act, the landmark climate law that dramatically increased federal support for clean energy technology and electric vehicles. And the president-elect has pledged to withdraw the United States from the Paris climate accord, reverse a key regulation aimed at reducing emissions from power plants, and roll back a host of key rules aimed at curbing climate change and air and water pollution.

Signs of light remain, however. Rapid advances in the technology and economics of clean energy have created a momentum that can be slowed but not stopped, with the cost of solar dropping globally by more than half since 2016. States and cities still retain much ability to reduce emissions and to prepare for the worsening physical impacts of climate change. But major progress will be in jeopardy because of the administration’s actions on a host of fronts.

Renewable Energy

A clean energy economy requires the construction of a massive number of new wind and solar farms and the associated electricity storage and transmission infrastructure. Such facilities are needed to replace all the old coal plants and most of the natural gas plants, and to provide the added power needed for electrifying vehicles, building heating systems, powering energy-intensive industries, meeting the demand for data centers for artificial intelligence and cryptocurrency, and other new loads. In 2022 Congress passed the Inflation Reduction Act (IRA), which is providing hundreds of millions of dollars in subsidies and tax breaks for clean energy. The IRA, coupled with rapidly dropping costs, has spurred a large upsurge in new projects.

The IRA passed Congress without a single Republican vote, and Trump has said he will ask Congress to repeal it. However, most of the IRA money for clean energy is going to districts represented by Republican members of Congress, many of whom oppose full repeal. Thus, Trump’s ability to eliminate the relevant parts of the IRA is in question, though a cap on the multiplicity of tax credits seems likely. However, the Internal Revenue Service under Trump could make it difficult to utilize the tax credits by issuing very restrictive interpretations of the credits or refusing to release the necessary forms.

The fate of the IRA will be an issue next year with the scheduled expiration of parts of the 2017 Trump tax cuts bill. Trump will presumably want to extend those tax cuts. Congress will be looking for ways to pay for this. Slashing IRA subsidies could be part of that.

Another expected Trump target is the fee imposed by the IRA on methane leakage from oil and gas production. Methane is a powerful greenhouse gas, and this fee is the first nationwide carbon tax in the U.S. The industry is pressing for its repeal, and Trump will clearly be sympathetic.

Wind and solar projects located on federal land or waters (which includes all offshore wind) require federal approval. Trump has often expressed antagonism to wind, and federal approvals for new wind projects are likely to stall. Wind and solar projects on private or state-owned land generally do not require federal approvals.

Motor Vehicles

A critical area where the new Trump administration is expected to slash environmental rules is motor vehicles, which are the largest source of greenhouse gas emissions in the U.S. Federal agencies set emission and fuel economy standards for motor vehicles. Under both Presidents Obama and Biden (with a halt by President Trump in between) both these standards were strengthened, leading to progressively cleaner cars. Regulations adopted late in the Biden administration are even stronger.

Federal law allows California to set its own even more stringent standards if EPA grants a waiver, and if it does, other states may adopt those. States that have traditionally followed the California standards amount to around 40 percent of the market for passenger cars. California has adopted rules that would phase out internal combustion engine cars and require that all new cars starting with the 2035 model year be zero-emission, and EPA has granted the needed waiver. Eight states have adopted plans requiring all new cars to be zero-emission by 2035, but this depends on the California waiver; without it, state laws inconsistent with the federal standards are preempted.

Both the stronger fuel economy standards and the California waiver are being challenged in court. Trump is likely to direct the EPA and the National Highway Traffic Safety Administration to freeze or weaken the standards and to revoke the California waiver, as he did during his first term. These actions, too, will face court challenges.

The automakers are, of course, free to make as many electric cars as they want and are already retooling to increase their output. But whether they are compelled to do so depends on the outcome of these court cases. And importantly, the subsidies for electric vehicles in the Inflation Reduction Act are also at risk, as Trump has said he would consider ending them.

Coal-Fired Power Plants

No one is building new coal-fired power plants in the U.S. any more, but there are about 225 still operating, and they are now the second largest source of greenhouse gases and also major emitters of unhealthy air pollutants such as fine particulates. Democratic administrations have for decades tried to accelerate their cleanup and closure, but the courts have frequently thrown up roadblocks. In 2024 the EPA issued a new rule that requires the eventual closure of these plants unless they install carbon capture and sequestration, a very expensive proposition. This too is being challenged in court and is very likely to be repealed by Trump.

Fossil Fuels

Trump has adopted the “drill baby drill” mantra. He has also promised to cut energy prices in half, mostly by greatly increasing production of oil and natural gas. However, current production levels under President Biden are the highest ever seen in the U.S., and higher than any other country in the world. This is mostly due to fracking, which has become the largest source of primary energy in the U.S. (47 percent in 2023). However, fracking is economical only if the prices of oil and natural gas are high enough; a drastic decline in prices will drive down production. Trump will probably open more federal lands and waters to oil and gas drilling, including in the Arctic National Wildlife Refuge, and relax environmental restrictions on them. But whether this will dramatically increase production is open to question.

Last January, Biden announced a temporary pause in the approval of new liquified natural gas export terminals. Trump will end that pause and try to expedite the approvals of these terminals and the associated pipelines.

International Agreements

Under Obama, the U.S. joined the Paris climate agreement; Trump withdrew; Biden rejoined; and Trump will no doubt pull out again. He might also go further and remove the U.S. from the United Nations Framework Convention on Climate Change, which the Senate ratified in 1992 and is the foundation for the Paris Agreement. Any of this would deny the U.S. a seat at the global climate bargaining tables and cede climate leadership to China.

For more than 30 years at the annual U.N. climate conference, the developing countries have been demanding “loss and damage” — compensation for the injuries they have suffered as a result of climate change. The U.S. has long been a target of these demands. With Trump in the White House and a Republican Congress, any hope of the U.S. providing funds for this purpose appears gone.

State and Local Action

While states cannot impose their own standards on motor vehicles without federal approval, in most other respects states are free to set stronger environmental standards than Washington. States can also adopt energy efficiency standards for appliances that are not subject to federal standards.

States and cities can use their procurement power to require low-emissions production of the cement, steel, and other commodities they buy and can demand clean motor vehicles and appliances. They purchase all of these in large quantities, which impacts manufacturers.

Blue states and cities, together with environmental groups, can be expected to vigorously litigate against Trump’s actions on climate change, as they did during Trump’s first term. The next four years will be rocky, indeed, and will keep lawyers on both sides very busy.

[partisan-by-default]

If you, or someone you love, has ever received a big stack of medical bills just because you, for example, tripped in a parking lot, this post is for you.

Even if you have excellent insurance, you might want to learn about negotiating fees and charges. MANY fees and charges can be negotiated, but you have to ask and/or talk to more than one person. You can also get better rates by shopping around or asking for "self-pay rates" when you make the appointment.

If you read nothing else here, take note of these websites:

Dollarfor.org for negotiating hospital and other medical bills

Goodrx.org for finding best prices on drugs, shots, etc.

Radiologyassist.com for finding best pricing on X-rays, MRIs, etc

https://www.upmc.com/patients.../paying-bill/services/apply for negotiating UPMC bills (hospitals, providers, etc)

https://ahnneighborhood.org/financialassistance/ for negotiating AHN bills

https://www.healthcare.gov/community-health-centers/ database of low-cost or free clinics, searchable by zip code

https://www.kff.org/statedata/ my favorite website for researching healthcare stats

The following is copied from a health researcher named Timothy Frie, whose business name is "nutritionfortrauma"

https://www.timfrie.com/

------------

"There’s an entire market of health care services that most people don’t seem to know about.

If you don’t have health insurance, you have a high-deductible insurance plan, or you just want to save money on health care costs, here’s several resources you need to know about that could save you tens of thousands of dollars and the stress of unexpected medical bills:

If you need an MRI, x-ray, CT, mammogram, ultrasound, or PET scan, check the cost and availability of RadiologyAssist.com.

You pay one single flat-fee upfront for your scan and you won’t get a bill.

If you need an imaging referral, you can request a virtual consultation for $40.

You can also ask any imaging center for the self-pay rate for the scan you need and compare that to your anticipated out-of-pocket expenses.

If you need blood work, you may be able to pay a lower cost by purchasing the tests from a direct-to-consumer provider like PrivateMD Labs, Ulta Labs, or similar.

Just google “direct to consumer lab testing.”

Personally, I’ve found these services to sometimes be 60-90% cheaper than utilizing the direct-to-consumer options from Quest or Labcorp — even though they’re often the two labs drawing and processing your sample.

You pay one single flat-fee upfront and you won’t get a bill.

If you need more frequent support and care from a primary care provider due to a chronic illness or something else, explore “direct primary care.”

This is not the same as concierge care, which tends to be more expensive in most regions.

These are practices that offer care for a single flat-fee per month that ranges between $30-$100/mo on average.

All of your office visits and most procedures are included.

If you need to visit an urgent care, ask for the self-pay rate up-front.

Many urgent care centers offer an all-inclusive flat-fee option that includes everything that you need while you’re there, excluding medication and third-party lab fees.

This cost can range between $150-$400.

If you need a prescription and it’s more affordable on GoodRx or a similar service, you can ask to pay for it without utilizing your insurance.

I’ve found that some medications are more affordable at privately-owned and operated pharmacies vs. corporate pharmacies.

If your medical debt goes to a collection agency, you can negotiate a settlement to avoid paying the entire fee and/or litigation.

There are tons of resources about this online, including organizations who will support you with this (for a fee).

ALWAYS get and review an itemized bill before paying outstanding medical debt.

You can use HSA and FSA funds to purchase some health-related and wellness products, not just services.

Just Google “HSA shop” and see what you come across.

Review your HSA/FSA restrictions yourself before purchasing anything to ensure you don’t get stuck with an unexpected bill.

In some cases, you may need a letter of medical necessity."

End of Tim Fries

===============

I decided to post this information because although I have been working in healthcare and insurance copywriting and marketing since I was 22 years old, and I knew things were bad, I was reminded just how bad / expensive / confusing the state of US healthcare is after reading story after patient story following the shooting death of the United Healthcare CEO last week.

In May, I fell and broke my arm. It was a serious fracture, both bones, one exposed, and I was in surgery within hours. The good news is my surgeon was awesome and I had zero pain during the rough first 10 weeks of recovery. I took two Tylenol and I didn't even need them.

Because it was unplanned surgery and I spent two days in the hospital, coming through the ER, I got bills from many many different providers. I work in this field so I knew what to expect but it was still a headache and confusing. Especially during a time that I was unable to tie my shoes, pull up my socks, cut my own food, drive, or risk any activity that could lead to me falling. I also had to reduce my work hours since I was typing with one hand.

I'm fine now. I had a LOT of help during the worst of it.

I hope this post reaches someone who needs to see it.

[copperbadge]

Radio Free Monday

Good morning everyone, and welcome to Radio Free Monday!

Just a note because I've had some inquiries lately -- it's always fine to include more than one way to give when submitting an item for RFM! It's always best to have a crowdfund page of some kind (gofundme, fundly, etc) and only list a direct payment processor like paypal or venmo as a secondary, but including multiple payment methods is okay, as long as you don't mind your paypal/venmo/etc being public.

Ways to Give:

hi-this-is-ali-rae is getting top surgery, scheduled for January; they're preparing for the surgery and the healing after, and raising funds to cover out-of-pocket costs and make their recovery as comfortable as possible. You can read more and support the fundraiser here.

Anon linked to The Big Gay Market, a LGBTQ+ owned-and-operated pop up maker's market in Madison, Wisconsin, which has been in operation for nearly a year. They're looking to move into a bigger venue after receiving fantastic community support, and are crowdfunding via Kiva loan for a down-payment to reserve the space for their next market. (When you support organizations and people via Kiva it's a no-interest loan from you, so the money eventually comes back to the lender.) You can read more and contribute to the loan fund here.

nehirose's cat Winston had to go to the emergency vet last night for pyometra; they were able to get antibiotics and fluids, but she's fundraising for the visit fees and follow-up and spay with a non-emergency vet, which is a struggle with rent looming this week. You can read more and support the fundraiser here, read more and reblog here, or give via paypal here.

News to Know:

Anon wanted to remind folks that the US government is offering another round of free COVID tests; you can order four tests per household, and if you didn't order tests in September during the previous round, you can order eight per household. You can order tests via the post office or the COVID.gov website.

Recurring Needs:

Anon linked to a fundraiser for Alchemia and Bugland, who have urgent financial needs after the loss of their home, and are also looking for media contacts who would be interested in covering their story, or advocacy and legal support in Illinois, particularly support for people with disabilities, autism, blindness, and/or who are LGBTQ+. You can read more at Dreamwidth here and support the fundraiser at GoFundMe here.

gwydion's very elderly car broke down in late October; the repair, to a cooling hose, has cheap parts but expensive labor, and ate most of zir budget for the month. Ze can't do without a car, being disabled, but can't afford to replace it either; ze's raising $280 to help cover bills and the repair. You can give via PayPal here.

gwydion linked to a fundraiser for Squirrel, a good friend who has recently lost his job and needs to raise about $800 to cover bills and food; Squirrel has had a lot of interviews and believes he will have an offer but won't start work until December. You can give via paypal here.

gwydion linked to a fundraiser for a friend, whose dog Rosie needs medical care, dental work, and special food; you can read more and give here at gofundme.

mid-nighttiger linked to a fundraiser for a friend, Katherine, a cosplayer (501st and Rebel Legion, among others) who was in a serious car accident and has had a gofundme set up for her medical expenses; you can read more and reblog Mid-Nighttiger's post here or support the fundraiser here.

rilee16 is raising funds to cover utilities after having to use bill money to cover rent and late fees; Rilee also needs to be able to pay for medication. You can read more, reblog, and find giving information here.

And this has been Radio Free Monday! Thank you for your time. You can post items for my attention at the Radio Free Monday submissions form. If you're new to fundraising, you may want to check out my guide to fundraising here.

[herd-reject-arts]

So I started a new job recently under the assumption that tips were consistently several hundred dollars per night. I'm being scheduled 4 days a week and making about $400 a week. My bills per month are approaching $2000. I just realized insurance on my truck comes out of my account in 2 days as well. In total, I have about $800 to my name. This will cover my car payment ($307), utilities (around $150), phone ($75), and insurance ($260) only. My rent is $1100. My credit card (just gas) is usually $100. I've applied to so many jobs that pay hourly instead of based on tips and hand gotten no calls back. I'm supposed to be starting part time at the Post Office nearest me, but that's not until next month and by then rent will be overdue. If I keep getting tipped like I have been, I'll get about $800 more this month. Which is still a couple hundred short of what I need, and that number excludes food. Who needs to eat anyway? In this economy?!

So I'm doing free shipping on any orders over $50 in my shop through the end of April using the code below. I haven't been this scared that I won't be able to make ends meet in my adult life. I'm usually pretty good about making shit work, but I'm stuck where I'm at right now and nothing I do is helping with tips. I'm talking consistently being given tables who are clearly already mad who will order $250 in food and tip me $15 kinda shit. I haven't eaten anything but ramen and whatever I can sneak out of the kitchen at work in 2 days because I'm trying to prepare for food scarcity. Anything helps. If I lose my apartment I'm homeless and will have to live in my car with my cat and dog.

Apply free shipping to orders over $50 with the promo code "Freeship ".

[readyplayerhobi]

Because, I Love You | 07

; Jungkook x Older!Reader

; Genre: Fluff, angst,

; Word Count: 2.6k

; Warnings: Mentions of blood, implied beginning of miscarriage

; Synopsis: According to society, Jeon Jungkook should not be with you. He should be with a younger, hotter and thinner girl instead of wasting his time on you. It’s a good thing Jungkook doesn’t care what society thinks then.

; A/N: This chapter may be uncomfortable for some people - I don’t go too in-depth with it, and I don’t describe it too in-depth. The next chapter will deal with the aftermath mentally, not physically. For anyone who’s experienced this, I’m so sorry and I hope you’re okay now! Please remember to take of yourself physicall and mentally! I hope I’ve handled this carefully and with respect for anyone who’s gone through it.

; Masterlist

-

“Y/N!” Jungkook calls from the bedroom, his voice slightly muffled by the walls between you both. Absentmindedly, you call a response you stand up from the couch and begin to head up the stairs, wondering what he’s wanting you for.

He’s been busier than usual in your home lately, mainly because he was still half in the process of moving into your home. The two of you had decided that it would be best for him to move in with you to prepare for the baby, and given you were the one who owned a home, it made the most sense. What had taken the longest to sort out the bills situation.

You’d been happy to invite Jungkook into your home, and you were looking forward to no longer being alone but having someone to share your life with. But you were also proud of the fact that you’d been able to buy your own house through hard work, and even if you were going to have a child with him, you weren’t willing to put his name on the mortgage.

Thankfully, he hadn’t wanted that. In fact, he’d explicitly said he didn’t want to be added before you’d even properly started the conversation. He wasn’t comfortable with taking away your independence like that, and he knew how important it had been for you to afford to buy your own home. So instead, he’d offered to pay for three-quarters of the utilities, leaving you with your mortgage and only a quarter of the bills.

Given you’d never lived with someone before, you weren’t sure if this was considered fair but you appreciated that he wasn’t being toxic about it all. Still, you’d recommended that he save money if he could because you didn’t want him to be stuck if anything happened in the future. Not that you wanted that, but still.

That had been when he’d shyly and very awkwardly admitted that he had a trust fund that he wasn’t touching. You’d rolled your eyes at that, affectionately, and just gently pushed his arm. Of course, he had a trust fund, and of course, Jungkook was such a sweet person that he wasn’t using it and instead let it build interest.

What had made you want to cry, though, had been him suggesting that he split his trust fund in half for the baby. The thought of your little one being secure in the future financially was especially soothing, and you’d just given him a crushing hug and kiss in response.

Jungkook moved in officially last week when you had hit the 9-week pregnancy mark. Or that’s what the doctor had told you, anyway. And given you didn’t have a degree in medicine, you had to believe him. Because Jungkook had been living with his parents, he hadn’t had a huge amount to move over.

Most of it had been clothes, which he’d brought over in two trips. It had surprised you how many clothes he had, especially given he seemed to just always wear monochrome and baggy. Alongside that had been his boxing gear, which had gone in the garage, his gaming computer set-up which had gone into the office that you didn’t use and then his extensive collection of collectable figures. 

That had been a struggle to figure out where to put them, but you’d just ended up telling him that he could have the office as his so they’d all ended up in there. 

You’d wondered if he’d wanted to bring Bam and moved his dog with him, but he’d left Bam with his parents. When you’d asked why he’d pointed out that his mom was attached to him as she’d taken early retirement and he didn’t want to separate them. Plus, he wasn’t entirely sure how Bam would react with a baby, so he didn’t want to risk it all.

You knew it had made him sad to leave his dog behind, but you understood his reasoning. His parents spent far more time with the Dobermann than he did, and they’d understandably ended up very attached. The subject of his parents remained a bit of a sore spot for you, and he’d been nice enough to avoid it.

They’d been confused as to why he was suddenly moving in with you from the little he'd told you. His dad had been supportive, telling Jungkook that he was just happy that his son was happy and had found someone he loved. His mom…well, Jungkook had tried to twist it into nicer words but you’d read between the lines. She was furious he was moving out, and even more angry that it was with you. She’d argued with him and told him that it was too early, that he was rushing and he’d regret it.

And Jungkook was too damn sweet to tell you, but given everything you knew about her so far, you’re pretty sure she had some nasty words to say about you as well. His reluctance to talk about it all made it obvious.

It hurt and you wouldn’t deny it. You wanted his mom to like you and to be pleased her son was with you, that she was content you’d look after him. Her dislike and sour attitude made you feel small, and it gave you anxiety for when you finally told her about the pregnancy.

Both of you had agreed that no one would know until you’d passed the first trimester, and even then you were reluctant for his mom to know. If she’d reacted like this to him moving in with you then you couldn’t even begin to imagine how she’d react to finding out he was having a baby with you. No doubt she’d start throwing horrible accusations around about trapping him with a baby or something.

Heading into the bedroom, you pause for a moment to take in the sight. Jungkook is sat cross-legged on the bed with a whole mound of fresh clothing next to him and various smaller piles of neatly organised clothes around him. Of course, he was doing laundry, the man was odd and found it relaxing.

Not that you’d complain, you were more than happy to let him take over if that’s what made him happy.

“You rang?” You said in your best Lurch voice, causing him to smile as he looked up at you. Just as you’d already said, he was wearing a baggy plain black shirt with equally baggy grey sweatpants. It was annoying how pretty he looked, his hair curling ever so slightly at the ends as he hadn’t cut it in a while.

“I’ve sorted out your clothes already,” He says, gesturing with his chin to the piles of more colourful clothing. “I’ve put all the ones with holes and that here, I’m not sure if you’re wanting to keep them or anything?”

Jungkook sounds a little uncertain like he’s not sure if you’ll get offended. This is the first time he’s taken complete control of your washing, and there’s a part of you that feels embarrassed he’s been dealing with your crappy underwear but another part is endeared that he’s being sweet about it.

Crawling onto the bed behind him, you lay out between him and the pillow before reaching out for the top piece of clothing. Lifting it, you note it’s some underwear you’ve probably had for years. The colour is faded and the elastic at the waistband is coming away with holes doting the area. Not something you’d wear to seduce him, but still comfy and useful.

“Hmm, they can probably last a few more times. These are just the stuff I wear during my periods, I don’t care if they get stained or anything.” It’s then that you noticed one of the underwear with a dark stain on it, the evidence of a period long ago that still hadn’t properly washed out yet. Maybe if you were better with laundry, but you didn’t have the finesse of Jungkook.

There’s a brief pause before Jungkook takes the underwear from you and carefully folds it again. You get the sense he wants to say something, so you press a hand to his back comfortingly.

“Are you still spotting then?” He asks quietly, and your breathing freezes for a moment. It’s something you’d been trying not to think about too much, and you’ve been telling yourself it’s normal.

You’d started spotting in your underwear two weeks ago, which had made you panic and call your doctor. He’d confirmed that it was common during the first trimester, especially in the early weeks as a sign of implantation. To ease your worries, you’d been checked out and they’d confirmed that everything was looking good.

The fact it hadn’t stopped was a worry though. It went away for a little, but the last few days had been more frequent.

“Yeah.” Is all you say to him, letting your hand fall and rest under your cheek. It feels like your heart has taken root in your throat now, and you can feel your eye heat as you finally let yourself think about what you’ve been trying to ignore. What you’ve been desperately avoiding because you don’t want to acknowledge it. To acknowledge it is to accept it’s real.

“Are you…I mean…do you think we should go back to the doctor?” Jungkook asks quietly, still not facing you. He’s not moving though, his hands remaining where they are on the bed and you know he’s probably thinking the same things you are.

“He said it was normal to have it, and it’s not been all the time. I’ve looked it up, it’s common for early pregnancy.” You say, your voice light and airy in a way you don’t feel. It doesn’t take a genius to see that Jungkook doesn’t believe you, not with the carefully blank face he gives you over his shoulder. 

“Okay…but please go if anything changes, please?” He begs softly, twisting and taking your hand. It’s an awkward position, but you wrap your fingers around what you can and give him a reassuring squeeze along with a soft smile. Giving him a reassurance you don’t quite feel.

Because even if you’re trying to ignore it, there’s something deep inside you telling you that you don’t think something is quite right.

-

Two days later, you come home from work early to find Jungkook sitting in the office with his chunky neon pink headphones on. His new job lets him work from home more and given he has a pretty introverted personality he’s been taking full advantage of the opportunity. Another reason why you’ve let him take over the office for his own space. 

His head is bobbing slightly to whatever music he’s listening to, and you take in the lines of code he’s working on. It turns out that Jungkook’s computer set-up includes three screens, with his high-powered work laptop making up a fourth screen.

Moving over to him, you gently run your fingers through his hair and smile as he jolts in surprise before twisting and looking up at you. Those big eyes you love so much widen in shock before narrowing in happiness, his entire face lighting up as he smiles. It feels like a blessing from the universe that you’re the reason he feels so happy, and you’ll forever treasure the way he visibly brightens at seeing you.

Pushing off his headphones, he spins the chair around and smiles even brighter at you.

“Hey baby, fuck, I lost track of time. I was gonna put dinner on but I’m working on this cool code that Khalid sent over, it’s gonna look really cool and it’s so complicated-” He pauses then, looking back at his screen and taking in the time, before looking over your expression and posture before his face drops in concern.

“What’s wrong?”

You love that he loves you so much and he knows you so well, that he’s taken the time to learn your micro-expressions until he can tell there’s something wrong just in the way you stand. And right now, you need that love more than ever.

You try to give him a weak smile but it falters as you wince slightly, your hand half raising towards your stomach. He notices it immediately and his face pales, understanding instantly without saying anything.

“Is it…is there…” And then he stops trying to even say anything, instead standing up and wrapping you in his arms tightly. His head rests on your shoulder and you sag into him, letting a tear fall and soak into his shirt.

“I’ve made an appointment, I’m booked for a scan tomorrow.” You whisper, the words almost silent as you press your face further into him. That feeling of dread, that something wasn't right that had haunted you for the last few days, had proven to be true.

You’d woken up this morning to more spotting, which had left you feeling anxious but you’d just told yourself that it was just like any other day. So you’d gone to work and thrown yourself into your tasks, but even that hadn’t been enough. Not when you’d feel a sharp cramp at noon. It had been just the one, and it had left you cold with fear. Nothing had happened after that, and you’d wondered if it had just been an anomaly.

But then you’d gone to the toilet after lunch, and had seen the evidence that something wasn’t right. There wasn’t any spotting this time, or at least, not what you’d been used to. Instead, there had been a dark red stain on your underwear and bright red blood on the tissue. Much more than spotting, and you’d known.

A quiet word with your manager had allowed you to leave work early, and you’d already made an appointment with the doctor on the way home. You needed Jungkook there with you. Even though you knew what they’d say, you could feel the knowledge deep in your bones. But you needed confirmation.

Pulling away enough for him to see you, Jungkook gently runs his fingers down your face before kissing your forehead. All his earlier happiness at seeing you has faded away, and it makes you want to cry even further when you remember how quietly happy he’d been about being a dad. Even if he’d obviously been terrified.

Not that it mattered now. 

For a moment, Jungkook’s face crumples and you know that he knows too. That he knows he doesn’t need to be worried or concerned anymore, that he doesn’t need to read anything about pregnancy or being a parent and he doesn’t need to shop for cribs or any of that stuff. That the two of you will go on as just that, the two of you.

You don’t need to worry about how his mom will react, or anything of that. Because there won’t be a baby. Not in the near future, at least. 

“I’m sorry.” Jungkook whispers as he hugs you once more, holding you so tightly as if he could transfer some of his strength to you. How you’re meant to carry on when you know what’s happening in your body is beyond you, but you let yourself feel small and safe in his arms. 

You let yourself cry and release all the pain and loss that you’ve only just started to feel, which will only increase in the days following. And he holds you, feeling lost and useless in the knowledge he can’t do anything else to help.

[sugarpopss]

Better Uses for Company Time

ALRIGHT first installment of the 90's wall street chubby Aegon. I think I'm just going to do short snapshot style fics for this AU, but idk honestly we'll see. I KNOW that the next one is going to be blowing Aegon after he fills up on hors d'oeuvres at a charity event, that's already in the google doc babe.

tagging the babes I blabbed about this to @khaleesihel and who drew the LOVELY Aegon art that I stared at while writing @who-told-you-this-was-butter

Ummm Aegon is a sleazy trust fund baby, reader is fucken h o r n y, implied fem reader, slight mention of how hot I think Rhaenys is (I'm right)

You weren’t sure if Aegon actually worked at T&V Investments. 

He was certainly around a lot, grab-assing on secretaries and making tiny paper airplanes out of sticky notes and generally being a menace to productivity levels, but he didn’t seem to actually work. 

When you’d first been brought on as a receptionist, you’d been told to just ignore him. 

“He’s like furniture.” Rhaenys had said. You’d nodded, but hadn’t really internalized the information. You were a smidge busy dealing with the fact that you were being shown around  by the hottest hiring manager you’d ever met. 

But it turned out that Rhaenys had a point. Aegon had, in the time since your hiring, become something of a fixture of the building in your mind. His presence was as normal as the weird noises the fax machine made. 

This normalization did nothing to help that fact that you’d wanted desperately to ride him like a pony since your first day at the office. 

It really wasn’t your fault. Aegon was hot, in a pathetic, trust fund kind of way. Besides, you had a feeling he knew exactly how difficult it was to focus when he leaned over the reception desk, smelling of nicotine and too much cologne, and said something absolutely disgusting to you. 

Maybe that’s why you’d gotten the job in the first place; maybe he’d told the previous receptionist that he could ‘help her out of her pantyhose’ and she had straight up quit instead of entertaining Aegon's nonsense the way you did. 

Good for her. 

But you couldn’t quit. In addition to needing to pay the inflated rent of Kings Landing, you got to see Aegon in the office practically every day. It may have been distracting, when he got in your space, but it wasn’t unwelcome. You couldn’t imagine not taking the opportunity to get an eyeful of his pretty face-all soft, rounded angles and big violet eyes, just begging to be looked at, to be given attention. 

It was hard to not give him attention, sometimes. You thought you were decently subtle, at least. You didn’t outright ogle-Aegon may have been an HR disaster in waiting, but not you-just took a ‘prolonged glance’ every now and then. Very casual, very professional, and not at all indicative of how badly you wanted to fuck the guy who slapped your ass when you showed up for your interview. 

Alright, maybe you sometimes gave him a bit of attention. Maybe sometimes you made idle conversation out of his gross remarks, just so he’d keep leaning against the reception desk and you could keep stealing peeks at how the edge of the desk dug into his soft hip. 

You weren’t one to defend objectifying people, but it was completely Aegon’s fault for wearing such tight jeans all of the time. Paired with the soft looking sweaters that probably cost more than your utility bill, he just looked so good all of the time.

Maybe it was how you could make out just the faintest shadow of his collarbones when he moved, or how easily you could imagine smearing your lipstick over his blurry jawline, or just maybe it was how badly you wanted to get your hands up under that stupid angora sweater, onto where you were sure he was plush and warm and sensitive. 

All things you definitely did not spend company time thinking about, of course.