#which. that sure would explain the terrible state of the US medical insurance business

[likesplatterpaint]

Hey I really like your pufferfish. What do you usually feed them? I've heard pufferfish like to munch on snails

Hi! Our puffs get all kinds of things. They get:

-Shrimp (human grade, raw)

-Clams

-Snails

-earthworms

Occasionally

-tilapia

-Squid

-blackworms (but not for Yam or Louie- they don’t care)

-blue crab (as a special treat)

-Dubia roaches

-mussels (nobody seems to like these so…it’s been a while)

The goofs all have preferences. Yamuel loves squid, Louie does not. Bonk and Burd get snails the most frequently of the lot from the various small colonies in my nano tanks. Louie gets the occasional big ole mystery snail from Fish Daughter, who breeds them. He mostly gets clams to keep his terrifyingly powerful teeth worn down.

I should note- if you go on a deep dive you will note it’s up in the air whether freshwater puffers should have saltwater foods like clams or shrimp. Shellfish contain thiaminase, which can lead to complications as they age. Since the lions share of what ours eat are shrimp and clams, I supplement with vita-chem to make sure they are nutritionally sound no matter how it shakes out.

We recently started our own earthworm colony to feed our menagerie and they LOVE IT. Worms are yams, burds and Bonks fave. Louie even has an enrichment toy- the Worm Ball. It has made mt life easier too with the Blips and the blackworm shortage. Bloodworms are an option, though less nutritious for puffs and uhhhh… I’m allergic, so we don’t feed those unless as a last resort. So the Blips have been getting baby earthworms and WE LIKE.

Thanks for the question!

[stitch-n-time]

Can you explain how the US housing laws work? You have me interested

Short answer: they don’t.

Longer answer (because I have to work tonight and truly don’t have like 8 hours to write the thesis, because you bet your ass I could):

There is actually an internal structure that the low income housing system has been built around that makes it nearly impossible to navigate, difficult to get into, and specifically works against the people that it was supposedly built to help.

I’m actually not quite sure where to start with this, so it’s going to be all over the place and bouncing back and forth, but that’s also kind of on brand for the low income housing system.

The system as we know it is very much a post WWII thing, so the info here will be from after that point. A lot of this will be in kind of broad, sweeping terms. But since the US is like 60 different states in a trenchcoat trying to sneak into an R-rated movie, very little of it actually covers the entirety of the country. There are also state and city levels of bullshit that people have to wade through. Most people don’t make it.

I’m going to use my own experiences as an example. But know that my experiences are NOT typical. When I started down this rabbit hole, I was a 30-ish year old white woman, a part time student, presented as a professional female on a daily basis, had a fairly stable income from a job I had held for years, and a vehicle (though making payments). All of this put together meant I had it pretty easy.

Some of that caused problems, though. The vehicle was a problem. It was a newer model gently used vehicle. According to the dealership, the previous owner had traded it in because it was a manual transmission and they wanted an automatic. When I bought it, it had less than 60k miles on it and was in excellent condition. In the eyes of the people who approve the paperwork and rubber stamp applicants for low income housing, I could get rid of that vehicle, and the moneys spent on the payments and insurance could go toward housing. Which would be reasonable, except most of the US doesn’t have public transportation at all. What public transport does exist is sketchy, rarely runs on schedule, and often does not go into residential areas. I COULD have gotten rid of the car, but that would have meant a 2 mile hike to the nearest bus station, 4 hours on a bus to get to class and 5 hours on the return trip twice a week, then a 2 mile hike home OR a 2 mile hike to the nearest bus station, 4.5 hours on a bus, another 2 mile hike to get to work, and the same on the return. At that point, I would have been spending more time on the bus than either at work or school, and might as well just live on the damned thing, since all I would have time to do at home is shower and MAYBE eat a sandwich?

But that’s also typical. Part of the laws as they are written specifically state that a person or household can not own physical properties that are over a certain value, because those properties could be sold in order to elevate the person/family’s lifestyle. That also makes household absolutely reliant on public transportation, which is simply not available in many poor areas.

Which goes into redlining, and systemic racism, which is a huge part of this, but is a whole ‘nother essay.

The fact that I was a student also worked against me. If a person can afford to go to school, they can afford housing. So why would you want/need help from the government? I’m just thankful that I was a part time student when the need for low income housing arose… If you’re a full time student, you are automatically denied on any application for low income housing. There are different legal designations for “low income housing” and “student housing”. They can not exist in the same housing complex for legal reasons. So if I had been taking one more class that semester, I would have been denied, and would have been homeless.

That in itself doesn’t sound terrible. And there’s reasons for the legal differences. But think about it… What if I had been in the last semester of school and something had happened? What about the people who are both enrolled in school and are working, trying to make ends meet, trying to be able to do something better, and either their lease is up or they get evicted or… I don’t know… their house burns down or a tornado hits or suddenly medical bills? If a person fills out that paperwork while still a student, even if they say “I’m graduating next month and want to move in the month after that” they still count as a full time student and would get denied. Which means leaving school and being spit out into the post graduate world probably without a job, while being denied help with keeping a roof over their head, when it’s absolutely necessary to have a physical address while searching for a job.

Which goes into the anti-homeless way of thinking, which is a huge part of this, but is a whole ‘nother essay.

I’m going to lump the “fairly stable income from a job I had held for years” and “presented as a professional female on a daily basis” into one, because they are directly related. I had worked my way through a trade school, and had been working in the medical field for nearly 4 years. The practice was open 4 days a week. I was there 2 days, the male counterpoint was there the other 2 days. If a client preferred one of us over the other, either they scheduled appropriately, or the doctor asked us to come in for that client’s appointment time. Because a large portion of the clientele were middle aged and older, as well as conservative, the dress code reflected accordingly. Since I actually REALLY liked the job, and the doctor and his family were pretty awesome people, I dressed and styled accordingly, on a daily basis. But because the number of hours on the clock varied with the number of clients scheduled for therapy appointments, there were times when those paychecks got mighty thin. There were absolutely trends of busy seasons and light seasons. Sometimes during that light season there were days when I would go to work for a couple of hours, go home until about 3PM, then go back for 2 or 3 hours. It was hard to pin that down.

Having to explain that I could not pinpoint an amount of annual income with any accuracy while filling out the application worked against me. And just about anybody who works in retail, food service, etc. - all the jobs that people with low incomes tend to have – will tell you that they suffer the same thing. Go  into work, put in a couple of hours, and have the manager come tell you to go home because it’s not busy enough to justify having people on the clock. But without having an accurate estimation of annual income (that could be verified by their calling your employer) means that the application is denied. The general consensus is that if you can’t pinpoint your annual income, then you’re lieing on the application, which means you’re untrustworthy, and therefore don’t deserve to get the help you need to keep a roof over your head.

That conservative professional look helped me here, though. I went into the office dressed well, in khakis and a nice blouse, to fill out the application and speak to the people. While I was there, another lady came in to fill out an application. This is somebody who I happened to know personally. She was also a professional, who was arguably in a slightly better place than I was because her income did not fluctuate (though it was low, as she was recovering from a divorce and most of the family income had come from her ex husband), but she was “dressed down” in shorts and a t shirt. We made the same arguments. I ended up in an apartment, and she did not.

Honestly, I was actually lucky to get into an apartment. A lot of people don’t realize it, but even with things being classified as low income housing, it takes a LOT of money to get into places. Just like every other rental in the US, before you move in, you have to pay the first month’s rent. And a deposit. And if you have pets, another deposit. And the cost of having the electricity and water turned on. And depending on the specific details of the contract you have to sign, possibly trash pickup. And if you want internet, either you pay for that and get a modem through the ISP, or you pay extra on signing the lease. And if you want to do your laundry in your home (if there’s even a hookup), there’s an extra rental fee for a washer and dryer, unless you bring your own.

I got lucky. When I applied and was approved, this particular housing development was running a “special” - if you sign a lease, you get one month rent free to use within 12 months of signing. I had to use it immediately. With all the extra fees and everything else, I could either pay for the rent OR the deposit, but not both – so I paid the deposit and laughingly told them I’d like to use that free month on the first month, immediately, right now, please and thank you, now where’s my key? They almost turned me away at that point.

I honestly believe that if it hadn’t been for my professional clothing and the fact that I could point to a couple of scabs on my face, that I would have been denied at that point. (The scabs were from a dog. I had been renting a room from a “friend” who is no longer a friend. Her dog bit my face, and instead of punishing the dog, she decided I needed to move out that weekend. Note: this is literally the ONLY time I’ve had a dog bite me, despite having been around them most of my life, and this particular dog had snapped at multiple people before.)

Which goes into classism, which is a huge part of this, but is a whole ‘nother essay.

Now the thing that has been on my last nerve for a few years now is a good one. The laws state that if your household changes in any way, you have to fill out the application again. Doesn’t matter if you literally got approved the day before: you fill it out again. Because there have been household changes. It doesn’t sound terrible at all, but I know somebody who got evicted from low income housing and ended up homeless because his wife left. Suddenly the household size was smaller, but had the same income, and it was over the limit for the household size. Sorry not sorry you have to go. I know somebody who was evicted for “falsified paperwork” because she had a baby and was in the hospital for 2 weeks, so didn’t get the paperwork in on time. They ended up in a homeless shelter (in this city, homeless shelters are more expensive than a lot of low income housing). Now she’s in debt that she’ll probably never get out of, due to that.

What’s more is that the eligibility requirements to be able to pass those income thresholds change constantly. Out of curiosity, I tracked the changes over the course of a year. Just checking on the first of the month. In a single year, the income requirements changed 10 times. It’s not easy to keep track of, and there’s not much reason to track it unless it’s literally part of your job, in order to keep in compliance with the laws.

My own personal gripe is much less severe than that. I can’t get married. Technically, my fiance can’t live with me. On paper, he lives with his parents, miles away. But he spends most of his time in my apartment, which is under my name only, because I’m disabled (but ineligible for disability) and need his help. We’ve been together for a decade. We’ve been engaged for over 5 years. But if we get married, then the household changes, and we have to fill out the paperwork and get approved again. The thing is: if we put together our incomes into one “household” income, we would never be eligible for low income housing. Which means we would have to move out.

Moving out comes with it’s own difficulties. Because of the paperwork you have to sign to lease low income housing – and depending on where you are because 60 states in a trenchcoat – there are hoops to jump through. The lease in this particular development,  you get a choice. If you break the lease you either a) pay the full amount of rent on the apartment through the end of the lease term or b) pay two months’ rent on the apartment after termination of the lease. So not only would we have to find other housing that we could afford (with all of the move in fees, deposits, transfer of service fees for utilities, bla bla bla), we would also have to pay 2 months’ rent on top of everything else. Which means either borrowing literally thousands of dollars from an individual – banks won’t do loans for this – or having to decide which bills get paid and which don’t while surviving off of ramen noodles for months at a time. Which… uh… would not work well with the man-thing’s diabetes.

Which all goes into respectability politics, and deciding whether or not poor people deserve to have stability and emotional fulfillment, which is a huge part of this, but is a whole ‘nother essay.

Now this may sound like a whole lot of personal whining. And it kind of is. But I can’t speak for anybody else. This is my personal interactions with these people and with the laws behind their behavior. But it’s the laws themselves that are written to be exclusive of the people that need help the most.

Homeless people can not apply, because they don’t have a current address.

Unemployed people can not apply, because they don’t have an income.

Full time students can not apply, because of the legal definitions of the different types of housing.

People with “disposable” property (such as cars) are often denied because they could turn those assets into monies.

People who rely on that “disposable” property for work are unable to take advantage of low income housing due to the above.

People of color who have been relegated to specific neighborhoods where public transportation is not available due to the redlining of the last century are unable to take advantage of low income housing due to the above.

People who do not have thousands of dollars readily available are denied because they can not pay both the deposit and rent.

People who face employment discrimination (even though it’s illegal) are denied because they can not provide proof of steady income.

People who have bounced from employer to employer are often denied for the same reason.

People who have successfully gained low income housing are often unable to change anything about their household.

People who have successfully gained low income housing are often unable to get out of it if their situation improves.

All of it is written into the laws surrounding the housing itself.

So…. Yeah. It doesn’t work. But if you want me to actually get into the nitty gritty, I can start actually researching. But somebody’s gotta pay me for it.

[mostlysignssomeportents]

Pluralistic: 01 Mar 2020 (Make Mordor great again, N95 Mask of the Red Death, Medicare for All with Covid, Necessity Defense)

Today's links

Trump's rhetoric fits eerily well into the Tolkien canon: AR Moxon makes Mordor great again.

The wealthy are chartering jets to avoid coronavirus: The Masque of the Red Death takes to the skies.

The US already has Medicare for All: The day that Trump declares a national health emergency.

America's uninsured will turn a covid crisis into a covid disaster: Our shared microbial destiny cannot be denied.

Jury refuses to convict Extinction Rebellion activists: Long live the "necessity defense" and the human race it protects.

This day in history: 2005, 2010, 2015, 2019

Colophon: Recent publications, current writing projects, upcoming appearances, current reading

Trump's rhetoric fits eerily well into the Tolkien canon (permalink)

AR Moxon's satirical riff on how Trump would play as a Tolkien villain is not only hilarious, it's also exactly the kind of thing the Tolkien estate used to threaten to sue people over.

https://twitter.com/JuliusGoat/status/1233207274992263168?s=19

(which is why Pat Murphy's astoundingly great genderswapped retelling of The Hobbit, "There and Back Again," is no longer in print.)

https://en.wikipedia.org/wiki/There_and_Back_Again_(novel)

Especially good is how Moxon digs into the way that Tolkien's concept of "races" was uncomfortably close to "racism" (especially orcs, who, honestly, have no conceivable basis for subsisting as a species, let alone a society).

https://twitter.com/JuliusGoat/status/1233682097463873536

"While I was here, this orc came up —a big guy, very tough, like out of central casting, handsome, could've been a fighting Uruk-hai—and he's crying, weeping, he says 'sir, thank you for the meat.' Incredible. He hadn't had nothing but maggoty bread for three stinking days."

Other Trumpland rhetoric fits in eerily well. Just like Murphy, Moxon claims Hobbits: "We have Hobbits coming in folks, and they're smoking the pipe-weed, and eating second breakfasts, third breakfasts, your breakfasts, your children's breakfasts."

https://twitter.com/JuliusGoat/status/1233221682309083137

And just as with Murphy, Moxon's satire is full of deep, Silmarillion cuts that demonstrate that his work is coming from a place of deep, if conflicted, affection.

https://twitter.com/JuliusGoat/status/1233328631734206475

"Fëanor, son of Finwë, King of the Noldor, is an example of somebody who's done an amazing job and is being recognized more and more. We all appreciate his contributions, and we're looking into him, and we're looking very strongly. Nobody was talking about him before me."

(Image: Cornel Zueger, CC BY-SA)

The wealthy are chartering jets to avoid coronavirus (permalink)

Plutes are chartering private jets in the hopes of avoiding #coronavirus, assuming that if they only fly in fart-tubes that other wealthy people have farted in, they won't get sick.

https://www.bloomberg.com/news/articles/2020-02-29/wealthy-jump-to-private-jets-to-duck-airlines-and-cut-virus-risk

To make this pay, you really need to fill that Gulfstream. NYC-London is $140k for a 12-seater — flying those 12 buttery soft asses from JFK to Heathrow in BA First will run you $120K.

So you're basically assuming that if you use the plute-only terminal at LAX (whose management company once threatened to sue me for criticizing it in print!), and LHR (originally royals-only, now open to any oligarch), you'll avoid covid. Presumably because the Better People have Better Masks and the Luxury Decontam Wipes and that will keep the bad stuff at bay. Nevermind that we're finding covid in people who've been in psych ward lockdown for TEN YEARS.

https://twitter.com/AskAKorean/status/1233046896719126533

Elite Panic is definitely a killer. I mean, people have been pointing this out since Poe wrote "Masque of the Red Death" in 1842. You can't shoot germs.

https://www.poemuseum.org/the-masque-of-the-red-death

Humanity has a shared microbial destiny. Crises get resolved by people running TOWARD the problem, not cowering in luxury bunkers while better people do the work. This is the point of my own take on "Masque."

https://us.macmillan.com/books/9781250242334

Public health crises show that reality has a well-known collectivist bias, and this challenges right wing orthodoxy, which is why the right has only two responses to epidemiology: "It's a hoax" and (later) "Exterminate the dirty poors!"

"The Reactionary Mind," Corey Robin's magnificent 2011 book (updated 2017), traces the history of right-wing thought to find the factor that unites Dominionists, imperialists, white nationalists, libertarians and other strains of right-wing thought.

https://en.wikipedia.org/wiki/The_Reactionary_Mind

Robin's conclusion: the thing that unites these different strains is a belief that humanity is naturally arrayed in hierarchies, with some people simply born better than the rest of us, and the world is best when the best people are in charge. It's an idea as old as Plato's Republic. Dominionists want Christian men in charge of women and children. Racists want white people in charge of racialized people. Libertarians want bosses in charge of workers. Imperialists want America in charge of the world.

It explains why right-wing movements hang together (because they all agree that the "wrong people" are running things) and why they splinter (once they take power, they can't agree who the "right people" are).

This "divine right of kings/bosses/America/whites/men/Christians" philosophy is coterminal with the idea of the natural leaders having special stuff that makes them better: just as the touch of a king will heal leprosy, so too can you expect that a plute won't have covid. It's wrong, of course — lethally so.

The US already has Medicare for All (permalink)

Did you know the US already has "Medicare for All"? But only under very specific circumstances: under the National Disaster Medical System, if the President declares a public health emergency, the federal government steps in to pay all out-of-pockets.

https://www.phe.gov/Preparedness/responders/ndms/definitive-care/Pages/coverage-guidelines.aspx

Any medically necessary service which is authorized for reimbursement as long as the patient sustained:

Injuries or illnesses resulting directly from a specified public health emergency;"

("If you have covid symptoms, you're covered")

Injuries, illnesses and conditions requiring medical services necessary to maintain a reasonable level of health temporarily not available as a result of the health emergency

("if you have any other problem and can't get treatment due to covid chaos, you're covered")

As Carlos Mucha points out, Trump declaring a national health emergency would create "Medicare for All with Covid-19," which could easily become just plain Medicare for All, "as surely as the UK's Emergency Hospital Service morphed into the NHS."

America's uninsured will turn a covid crisis into a covid disaster (permalink)

The last time Carl Gibson saw a doctor was 2013, when an arm-sling and an Rx for painkillers ran him $4000, creating a permanent blot on his credit report. He hasn't been since.

https://www.theguardian.com/commentisfree/2020/feb/28/coronavirus-millions-of-americans-uninsured

He's not alone. 44% of Americans do not see doctors despite medical necessity, because of cost. About a third of Americans do not fill their prescriptions because they can't afford them.

27.5m Americans don't have health insurance, thanks to a mix of Republican state-houses blocking Medicare expansion and Obamacare's intrinsic shortcomings, which invite price-gouging and under-coverage from America's sociopathic health-insurance industry.

This is terrible under the best of circumstances, but it's the thing that turns a coronavirus emergency into a coronavirus catastrophe. Because Carl Gibson is sneezing into the same air you're breathing.

("All the common people breathing filthy air" -The Pointer Sisters)

Trump's Health and Human Services Secretary, Alex Azar, is a former pharma lobbyist who has ruled out price controls for a Covid-19 vaccine.

https://pluralistic.net/2020/02/27/pluralistic-your-daily-link-dose-27-feb-2020/#pandemiccapitalism

And Nancy Pelosi has said that treatment must be "affordable" – not free. What's "affordable" when 61% of Americans don't even have $1,000 saved to cover a medical emergency?

It's hardly a novel observation to say that we have a shared microbial destiny: "The King will reply, 'Truly I tell you, whatever you did for one of the least of these brothers and sisters of mine, you did for me.'"

https://www.cnbc.com/2018/01/18/few-americans-have-enough-savings-to-cover-a-1000-emergency.html

Jury refuses to convict Extinction Rebellion activists (permalink)

An Oregon jury has refused to convict a group of climate activists who blocked a rail line that Zenith Energy used to transport tar sands crude. The Extinction Rebellion activists presented a "necessity defense" for their actions.

https://www.commondreams.org/news/2020/02/28/landmark-win-fight-habitable-future-jury-refuses-convict-climate-activists-who

The activists were charged with trespassing for planting a "victory garden" that blocked the track. There was video. 5 of 6 jurors decided that maintaining the habitability of the only planet in the known universe capable of sustaining human life justified the action.

"We need to take note of the lessons learned by the labor movement—mass civil disobedience works. The climate crisis is a workers' issue, we need to unite to shut down business as usual. Right now." -Margaret Butler

The result was a mistrial, and now the local prosecutors have to decide whether to haul the activists back into court again.

This day in history (permalink)

#15yrsago Deluded Sony music exec can't read his own study https://constitutionalcode.blogspot.com/2005/02/us-market-not-antagonistic-towards-drm.html

#15yrsago Euro software patents reanimated through corrupt officials 0wned by Microsoft https://yro.slashdot.org/story/05/02/28/2223232/eu-commission-declines-patent-debate-restart

#15yrsago Comp sci profs smackdown the movie studios https://web.archive.org/web/20050303023425/http://www.freedom-to-tinker.com/archives/000776.html

#10yrsago Architectural fan-drawings of classic sitcom houses http://origin.www.markmoorefineart.com/artists/mark-bennett

#10yrsago Petition to make "Hella" the prefix for 1,000,000,000,000,000,000,000,000,000 https://www.facebook.com/The-Official-Petition-to-Establish-Hella-as-the-SI-Prefix-for-1027-277479937276/

#10yrsago Cyberwar hype was cooked up to sell Internet-breaking garbage to the military https://www.wired.com/2010/03/cyber-war-hype/

#5yrsago North Korean defectors undermine totalitarianism with smuggled pirate sitcoms https://www.wired.com/2015/03/north-korea/

#1yrago Oakland teachers' union declares total victory after seven-day strike https://oaklandea.org/updates/oea-reaches-tentative-agreement-with-ousd/

#1yrago German Data Privacy Commissioner warns at new Copyright Directive will increase the tech oligopoly, make EU companies dependent on US filter vendors, and subject Europeans to surveillance by US companies https://torrentfreak.com/german-data-privacy-commissioner-sounds-alarm-over-upload-filter-oligopoly-190301/

#1yrago University of California system libraries break off negotiations with Elsevier, will no longer order their journals https://www.sciencemag.org/news/2019/02/university-california-boycotts-publishing-giant-elsevier-over-journal-costs-and-open

#1yrago Satanic Panic 2.0: The Momo Challenge hoax https://www.theatlantic.com/technology/archive/2019/02/momo-challenge-hoax/583825/

#1yrago Striking West Virginia teachers won swift and decisive victory; Oakland next? https://www.commondreams.org/views/2019/02/28/rapid-victory-west-virginia-teacher-strike-shows-what-happens-when-progressives

Colophon (permalink)

Today's top sources: Naked Capitalism (https://nakedcapitalism.com/)

Hugo nominators! My story "Unauthorized Bread" is eligible in the Novella category and you can read it free on Ars Technica: https://arstechnica.com/gaming/2020/01/unauthorized-bread-a-near-future-tale-of-refugees-and-sinister-iot-appliances/

Upcoming appearances:

Canada Reads Kelowna: March 5, 6PM, Kelowna Library, 1380 Ellis Street, with CBC's Sarah Penton https://www.eventbrite.ca/e/cbc-radio-presents-in-conversation-with-cory-doctorow-tickets-96154415445

Currently writing: I just finished a short story, "The Canadian Miracle," for MIT Tech Review. It's a story set in the world of my next novel, "The Lost Cause," a post-GND novel about truth and reconciliation. I'm getting geared up to start work on the novel now, though the timing is going to depend on another pending commission (I've been solicited by an NGO) to write a short story set in the world's prehistory.

Currently reading: Just started Lauren Beukes's forthcoming Afterland: it's Y the Last Man plus plus, and two chapters in, it's amazeballs. Last month, I finished Andrea Bernstein's "American Oligarchs"; it's a magnificent history of the Kushner and Trump families, showing how they cheated, stole and lied their way into power. I'm getting really into Anna Weiner's memoir about tech, "Uncanny Valley." I just loaded Matt Stoller's "Goliath" onto my underwater MP3 player and I'm listening to it as I swim laps.

Latest podcast: Gopher: When Adversarial Interoperability Burrowed Under the Gatekeepers' Fortresses: https://craphound.com/podcast/2020/02/24/gopher-when-adversarial-interoperability-burrowed-under-the-gatekeepers-fortresses/

Upcoming books: "Poesy the Monster Slayer" (Jul 2020), a picture book about monsters, bedtime, gender, and kicking ass. Pre-order here: https://us.macmillan.com/books/9781626723627?utm_source=socialmedia&utm_medium=socialpost&utm_term=na-poesycorypreorder&utm_content=na-preorder-buynow&utm_campaign=9781626723627

(we're having a launch for it in Burbank on July 11 at Dark Delicacies and you can get me AND Poesy to sign it and Dark Del will ship it to the monster kids in your life in time for the release date).

"Attack Surface": The third Little Brother book, Oct 20, 2020.

"Little Brother/Homeland": A reissue omnibus edition with a very special, s00per s33kr1t intro.

[mininky]

Crash Landing

Summary: Jung Hoseok. Notorious hot dude on campus. Excellent dancer. Bad boy. Tattoos. Your best friend’s older brother. There were a lot of reasons why he was a terrible idea. Scratch that, fucking awful life ruining idea. But hey, you’re here to win ‘dumbest idea of the century’ award apparently.

Pairing: Dancer!Hoseok x  Uni Student!reader (fem)

Genre: Slow Burn, best friend’s older brother AU, Uni AU, smut, romance

Warnings: mentions of divorce, mentions of Hobi having been cheated on, protected sex, oral sex (fem. receiving), Hoseok with tattoos 

Word Count: 13.4K

   Meeting Hoseok had been a freak event unlike anything else in your mostly uneventful life, and in that way, it was completely fitting. He had quite literally stumbled into your life. Well, crash landed is more like it. While seated on a bench spacing out into another dimension that was void of any sentient thought after finals he had face planted into the bush right next to you. You're not sure how long you'd been sitting there on the bench, possibly long enough to grow moss, and really you didn't think that anything could get you to move from your spot. You were on the fast track to becoming a Buddhist monk until Hoseok's ill-timed passing out had finally gotten you to move. At a lightning speed that you didn't think was possible after five finals back to back in one day fueled by sheer willpower and too much caffeine to be safe for human consumption you were next to him.

   You had been convinced at the lack of protest or noise at falling face first into a very thorny bush that the man had most certainly died. Fight or flight responses had miraculously kicked on and as adrenaline surged the first thing you thought to do instead of asking him if he was okay was to slap his face as hard as possible. He groaned but otherwise didn't stir until you started to pull out your phone with trembling hands to call 911. You recognized him as his hands suddenly came up to move the phone away with surprising strength. The man you were sure was dying in front of you was none other than Jung Hoseok. Your best friend's older brother, who normally looked the spitting image of the sun and good health in all of the pictures you'd seen of him but now looked closer to a strung out druggy who took one hit too many. You've also noticed that he has a ton of tattoos that weren't in any of the pictures you've seen of him. Intricate poke and needle types, all littered around his arms.

   "Holy shit, Hoseok?" He groaned again before struggling to sit up, hand clawing away some leaves and thorns stuck in his hair.

   "Please don't call 911. I don't have insurance. Just tired. Please let me sleep." With that, his head slumped back with an unnervingly loud thwack on the concrete.

   You had a few options at this point.    Option #1: Leave and just let him possibly die of a concussion after hitting his head that hard    Option #2: call your best friend and let her know that her brother is dying and won't let you call 911 because of his lack of health insurance    Option #3: slap him again, try to get him to move and drag him back to wherever he lives    Option #4 (should probably be the first but your brain is fried and adrenaline is a hell of a drug): call 911 anyways and then be forced to work three jobs and drop out of school to pay the medical bills you've forced on him    Option #5: try to drag him yourself back to your dorm which is only a short distance from the very bench you've been spacing out at.

   You went with a combination of option five and three. In which you slapped him (open-palmed and left a beautiful red mark behind and your palm stinging unpleasantly) and forced him to get up. In a bizarre zombie state he slumped over your shoulder and it took you the longest fifteen minutes of your life to finally get into your dorm and throw him into your bed. Now you'd like to lie and say that at this point you tried to give some sort of shitty and iffy medical aid, but your own exhaustion had taken over and you'd fallen asleep slumped at the edge of your bed only five minutes later.

   It was hours later that you'd finally woken up to the sound of Hoseok stirring and groaning before freaking out at his unknown surroundings. "Where the fuck am I? Who are you? What the fuck is going on?"

   "Wow, first of all, I'd appreciate a thank you for carrying your deceptively heavy ass up three flights of stairs when you were mostly unconscious. Second of all, I'm (Y/N), your knight in shining armor and also I happen to be Sam's best friend. You biffed it face first into a bush and told me not to call 911 and that you just needed to sleep. So after slapping you...twice actually...I carried you into my room." You wipe away a few crusties from your eyes as you look at the man in front of you.

   He's unnervingly handsome. In a way that makes you wonder how humans can be created his way. Perfectly well-shaped nose, a jaw that's both soft and chiseled, pouty lips, hair that flops in that painfully sexy disheveled way that some men spend hours to get just so for a picture on Instagram but refuse to admit that they did, eyes that hold a hint of playful mystery in their murky brown gaze. Even with bags under his eye and lackluster pallor from finals week he still looks like he deserves sculptures and shrines dedicated to him.  

   But the real sucker punch gut-wrenching charm was his laugh. The way his eyes crinkled up and perfect teeth shined as he heard this news had all the breath forced out of you slowly like a careful pinprick to a balloon. You should have known then that nothing good could come from Jung Hoseok. You should have known. But instead, you just stared up at him the floor like you were staring straight at the sun. So dazzlingly beautiful that looking right at it caused physical pain, although looking at him didn't cause you to sneeze at least.

   "Well, thank you for saving me oh knight in shining armor. Also, sorry for bailing every time Sam asks me to hang out with you guys. But you know, if the guys see me hanging out with freshman girls there will be inevitable questions and then I'll have to fight a horde of douchebags to protect my sister or whatever so really I've been doing you guys a favor." He gets up from the bed, carefully so as to not kick you straight in the face as you scramble off your knees and walk over to the door with him. "Oh, and do me a favor. Don't tell my sister. As far as you're concerned this never happened and you never met me."

   Just like that Hosoek was gone, as if he hadn't stumbled face first into a bush and nearly died. As if he hadn't made your finals addled brain nearly short circuit and all the breath leave your lungs from simply laughing. You kept your end of the bargain. You never told Sam what happened. Partially because you were convinced that it never did actually happen. You were sure that you had conjured up an obscure illusion or that it all had been some sort of strange dream. Until you met Hoseok again that is.

   It would be another three months before you would be destined to see Hoseok again. This time he would have that natural glow back to his skin, and the bags under his eyes were gone. Sam had dragged you to the coffee shop he worked at, fueled with a rage that was rather unnatural for her as she slammed into the quiet business with steam coming out of her ears and foam around the mouth as she tore into her brother with little care of innocent bystanders in her path. "Oy, you. You think you're too good to text me back asshole?"

   "Sam, not now. I'm working." He glanced at the one lone customer sitting at the worn leather couch three feet away who was staring openly at the debacle unfolding in front of him.

   "It's always not now! You're always too busy for me!" You made the mistake of trying to slip away, but Sam was too quick for you. She grabbed your hand before lighting back into her brother. "It's one thing to skip out on me, but really? Skipping out on dinner with mom last night?"

   "Shit, that was last night? I thought that was supposed to be tonight. God, I'm so sorry Sammy, I promise I'll make it up to you and mom. I promise."

   The beast would not be tamed, however. Sam, you're typically sweet best friend had a side to her that luckily rarely showed. The angry side. The side that could be heard across the county. The side that would slash all your tires. "Well, you fucking better Jung Hoseok." With that, she turned around and dragged you out of the coffee shop while you tried mouthing 'I'm so sorry' to the bewildered and painfully embarrassed Hoseok.

   Sam would later explain that she brought you along for the wild ride for two reasons. First, so you could stop her from committing a crime. Secondly, but most importantly, because you were the one with a car and she didn't want to pay for an uber over to the coffee shop.

   You know that in her heart of hearts Sam was angrier at the general shit show her family had turned into than Hoseok per se. He had just been the one closest in proximity and therefore the line of fire. Her parents were getting divorced, her family falling apart, and Hoseok had just kind of ghosted her. Bullshit reasons about fighting off the guys or whatever that had been earlier weren't good enough. She was angry at being abandoned. By her parents, by her brother, by the world. College was supposed to be the start of freedom, but for her, it had started in shambles. The two of you hadn't known each other before university, but you were in the same major and worked at the same small used bookstore and had fast become friends and then inseparable best friends. She spent more nights than you could count on the floor of your dorm just to get away from it all, and because you had lucked out and gotten the smallest room that was honestly more like a closet and could only house one bed so you had no roommate.  

   After that incident, she had broken into a fit of angry tears in your room and explained all of this to you. A word vomit of pain, anger, and angst. This all should have done something to dispell Hoseok to you, and yet it hadn't. Instead, you wondered what was going on in his head. You were curious about how and why he had withdrawn from his sister when she explained that before he went away to school they were closer than close. That he had always been her protector, her best friend. Sure they fought, they were siblings after all, but they were each other's rocks. Until he was just gone. And she thought going to the same school as him would fix it. Instead, the distance somehow felt larger now. So close in proximity but emotionally miles and miles away. Again, this should have shattered the perfect image of Hoseok that had been crafted in your brain after that odd encounter months ago but instead, it lent depths and layers to the man that made you want to peel everything back and study it closely.

   The third time you would meet Hoseok would be proof that the first encounter had, in fact, happened. It was two in the morning approximately a month later. You stumbled out of bed in a zombie state, sure that the only person who could possibly be knocking on your door this late at night could be Sam. It wasn't (unfortunately) entirely uncommon with her insane sleep schedule. So when you swung the door open in nothing but a t-shirt and underwear you could feel all color drain from your face at the sight of a very tired and sweaty Hoseok standing in front of you.

   "I know this is going to sound really weird, but my girlfriend and I broke up and I've been crashing couches but my friend has someone over tonight so then I tried sleeping in the library but it was just too uncomfortable so would you mind if I crash here? I noticed last time you didn't have a roommate. I can take the floor." Now you had two options at this point. (You're too tired to come up with 5 this time, thank god it was a lot of work having to detail your thoughts last time. You really should stop overthinking, I'm a little worried for you at this point. Sorry, I'll get back to the story.)    Option #1: slam the door on his face and crawl back into bed. You don't technically know him and it's not your problem.    Option #2: have pity on this painfully good-looking man and kiss a decent night's sleep goodbye because lord knows you won't be able to sleep when he's in the same room as you a second time.

   You went with option number two. Who are you kidding, you aren't evil enough to go with option number one. You just pray that his new distance with his sister and break up with his girlfriend isn't because he's actually secretly a serial killer and is going to chop you up into tiny bits. Although...on the plus side of that...no student loans!

   You opened the door wider and stepped off to the side. Covering your mouth for any offending morning breath as you spoke. "Sure, I've got an extra pillow and blanket too." You wanted to say more. There were so many questions about this random appearance, but really you didn't feel it was very polite to ask any of them. Not that knocking on the door of a near stranger at two in the morning to see if you can crash there is polite, but really one of you needs to respect boundaries. Right?

   "Thanks, I really appreciate it. Free coffee and baked goodies for life when I'm on shift. I promise." He stretched and let out a loud yawn as you tried to grab a pillow and blanket for him without bending over. He took them from your hands gingerly and you watched him try to get comfortable on the floor before you turned around, shut off the light, and crawled back into bed.

   You tried counting sheep. You tried doing simple math. You tried willing sleep to come. But everything brought your thoughts back around in a vicious cycle to the man laying on your floor. The man you knew almost nothing about. Save that he was your best friend's older brother, worked in a coffee shop, and went to the same school as you. Dance major, and that had earned him being cut off from his family financially if you remembered correctly. But that doesn't mean you know him. You've never actually had a proper conversation with him.

   At the sound of you stirring in bed once again you can hear his gravely voice from the floor calling out to you. "Can't sleep (y/n)?"

   You thought about playing dead or asleep or whatever. But figured there was no point. So instead you mumbled a quiet, "yeah."

   "Me neither. Can't sleep for shit lately." He pauses for a moment before sighing. "I'm sorry for just showing up here. I know we don't know each other, but I wasn't sure where else to go."

   "Nah, it's cool. Mi casa es su casa." You can hear him give one of those small snort laughs, the kind that's more like a loud exhale through the nose, and you can feel little butterflies start to hit your ribcage.

   "Well, I really appreciate it." You wait for a moment before calling out to him.

   "Are you okay, Hosoek?"

   "Ah, the million dollar question. I don't know. Are any of us?" There's something about the way his brooding words contrast sharply with his typically sunny appearance that has your heart singing. All of those layers around his heart built up like an impenetrable fortress has your curiosity in overdrive. It's not a safe place, you know that. But there's something about Hoseok that just lights things up around you.

   You've never been interested in another man this way. Every single person you've ever dated or hooked up with has been out of convenience. You were actually starting to question if you were some subcategory of Asexual. If there was a sexual category for people who couldn't hold romantic interest but did still get horny. That's a thing right? Aromantic? But Hoseok, now Hoseok is the type of guy that you can picture curled up next to after sex tracing at all of his tattoos and talking about everything and nothing for hours at a time. The type of guy that makes you start to understand why high school crushes are so painful. And you know it's slightly irrational. You know next to nothing about him, but god do you want to. If you could change your major to Hoseok you fucking would.  

   After a long pause, he starts talking again. His voice hoarser, as if he's trying to hold back tears. Or maybe he is crying, you can't tell in the dark. "No, I'm not okay. And I don't think I have been for a really long time. My parents weren't exactly the loving type. I tried my best to be there for Sam, but the moment I could get my freedom I took it. I rebelled, and my father cut me off for it as I'm sure she told you. But I didn't care. I was finally free. I was finally doing what I wanted, and I met this girl. I thought she was the love of my life. The one, you know? Listen, I don't normally give good advice but never date someone who tattoos you because it's going to end and you're going to wish that you didn't get all of them from her. I used to go into the shop just to see her. And then we started dating. And then she started cheating. And now we're not together and I don't have a place to live and it's middle of the year so I can't do dorms again and apartments are way too expensive. My boss said he'll give me the room in the back of the coffee shop tomorrow after he clears everything out, so at least after tonight I'll have a place to stay. But everything's a mess. My family is a mess, I'm a giant fucking mess, my grades have been slipping lately and I might lose my scholarships, and I've been homeless for a week now."

   Why did you have to really like the guy with all the baggage? The one with neon blinking signs that say 'no trespassing!' The best friend's older brother who has serious emotional issues to hammer out who's spilling his guts to a near stranger at three in the morning? And why is it that you have the emotional skills of a fucking rock at this moment? "Wow, that fucking sucks man." Really, that's all you can muster up? You tack on, "I'm sorry," for good measure.

   "You don't have anything to be sorry about. I'm sorry for dumping this all on you. I uh...I don't usually talk about this kind of stuff. To anyone. I guess you're just easy to talk to."

   "You should try talking more about it. It's not healthy to keep it all bottled in, you know?" You can hear him shuffle on the pillow, nodding his head you assume while you try not to squeal when he said you were easy to talk to.

   "How's Sam doing by the way? I've been a really shitty brother..."

   "Good right now. She had a few mental breakdowns, but she's on the quick road to recovery. She's taking the family falling apart in stride. She said that she kind of always knew this would happen, I think the harder thing has been the lack of contact with you. But don't worry, I won't tell her anything you told me. Just...talk to her when you're ready." You pause for a moment, trying to organize your thoughts before you add softly, "you know it's not always a bad thing for something to fall apart. Think of this as a new clean slate. There's still plenty of time this semester to pull your grades back up. And like you said you've got a place to stay lined up. And your parents...well there's nothing you can do about that. It honestly sounds like it was all for the better from the stories I've heard. Just...work on things one at a time. Don't try to do everything at once because then you won't do anything. And if things ever feel overwhelming like I said, mi casa es su casa. Think of me as like the emergency friend therapist or whatever."

   "Thanks (y/n)..." You can feel your cheeks heat up from the tone of his quiet voice and pray that your voice doesn't sound too squeaky when you call out a quiet goodnight.

   The next morning Hoseok is already gone by the time you wake up at ten. He's folded up the blanket and left a note on top of the pillow. "(y/n), thanks again for everything. If you ever need anything just let me know. (###) ###-####. -Hobi."

   It wasn't fair the way your heart hammered away first thing in the morning. It also was admittedly really creepy that the next thing you did was pick up the blanket to see if it smelled like him. It did. And you very much approve of his cologne choice. It's woodsy and citrusy and you're incredibly thankful that no one is around to see your face buried in the blanket. After your brain clicks back on and you realize that you're a certifiable creep at this point you slowly enter him as a contact. A strange, unfamiliar part of you wanted to give him some cutesy name but you realize how bizarre that would look and instead you simply enter him in as 'Hoseok' with no additional heart emojis.

   Part of you really wants to text him. Perhaps use the excuse of checking up on him, because you were actually really curious. There was a lot going on in his life and by the sounds of it he was cracking under pressure and not talking to anyone about it. Instead, though you simply stare at the contact, take a deep breath, and get ready for work.

-----------------three weeks later--------------------

   "Oh, come on (y/n), it'll be fun! Please? You always turn down my party invites but I promise this one won't be too over the top. It's not even at a frat house or anything!" You try not to glare in Sam's direction as you put away the last of the books received in this morning. You aren't exactly a party person. You're the mom friend, that's your role and while you don't readily admit it it's the truth. You're the friend that at parties always inevitably gets stuck trying to corral your pathetic, drunk, and often times sick friends back home. Which is why you don't do parties. That and they make you slightly claustrophobic. It's not that you hate people, you just prefer more conversationally stimulating environments than a party has to offer. Also, you hate the smell of shitty beer and body odor, which is the main fragrance of all college parties. And random creepy drunk dudes who smell like said hated fragrance mixed with cheap body spray trying to get into your pants? Yeah, that's a big no for you.

   "Sam, I don't know. I mean, you know how I feel about parties. Listen, I love you. And I love hanging out with you. But I've seen you drunk, and it ain't pretty. Besides, I still have that paper I need to finish for my Lit class." You try to avoid her potent puppy eyes as you walk behind the counter to slap price stickers on the rest of the books.

   "Listen, if you don't wanna go that's fine. But like, when's the last time you got some? It's been months since you broke up with Aaron, and from the sounds of it he didn't know how to find a clit so do yourself a favor and just come with me for a little bit? If there are no guys there that spark your interest ditch me. But don't use the paper as an excuse to stay in your fortress for another lame Saturday. It's not even due for another week and you're already in editing phase. We literally had that conversation half an hour ago." You make the mistake of glancing over at Sam. She's giving you more than just puppy eyes, she's even giving you a full quivering bottom lip. Ugh, why do you have to be such a sucker for her?

   "Fine. Fine, I'll go." You hold up your hand as she starts squealing, "But I make no promises on staying for very long."

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

   Two hours later and you're nursing a warm Smirnoff ice in the corner. Not surprisingly thirty minutes ago almost immediately after entering the party, Samantha ditched you for a guy who looks like he does keg stands professionally. You swear she has the worst taste in men. The obnoxious little voice in the back of your head cackles at the sentiment, reminding you that at least Sam isn't pining after a guy who just so happens to be her best friend's brother that she knows next to nothing about other than he has a mountain of baggage and most certainly isn't interested. You take a swig of the warm, sweet drink in spite until your eyes lock onto the man standing in front of you. You're pretty sure you have a class with him, what was his name again?

   "Jimin." Shit, can he read minds? "Sorry, didn't mean to freak you out you just looked like you were trying to place my name. We share that intro to lit class."

   "Ah, yeah sorry about that I'm-"

   "(Y/N), yeah I know. You're kind of hard to forget."

   "Oh." You'll admit, Jimin is very cute. But cute is really the key word for him, and try as you might to summon an urge to jump his bones you just don't feel anything. There's no spark there, no lust to drag him into the nearest bed and explore all he has to offer. Too bad getting over a one-sided crush isn't that simple.

   Jimin is about to say something, but he's soon tackled by someone behind him. "Dude, it took me forever to find you. Yoongi's refusing to play beer pong on my team. Please, help me?" Jimin narrows his eyes on the other guy before swiveling back to you, his lips jutting out into a formidable puppy pout that your sure would make most women swoon.

   "Do you wanna come with? You looked a little bored." You should say no, you should just crawl back into the comforting confines that is your bed and pray to whatever deity to allow you to go back to a normal life where you didn't know a demigod walked the campus but no instead you fall prey to the puppy pout. Again damnit. (Y/N): 0, puppy eyes: 2.  

   "Sure." Jimin looks triumphant as he grabs your hand and weaves through the throngs of people until you arrive at the back porch where things seem to be much more comfortably quiet. Until you lock eyes with the earlier mentioned demigod himself.

   "(Y/N)?" Hoseok stares at you in disbelief for a moment in front of the beer pong table, before smiling. Oh god, that smile. You swear you can feel your heart trying to escape from you again, you can hear corny Disney music playing in the background, an angel halo placed above his head as a random backlight makes his tan glow nearly gold until you blink away the momentary insanity. You wish you could blame all of that on alcohol, but you haven't had nearly enough liquid courage to induce that montage.

   "Uh, hey." Fuck, why did you have to say uh? Jimin is staring at the interaction and oh god, he knows. He fucking knows. And you can't kill him, not here. Too many witnesses. Instead, you'll just have to pray for the world to open up and swallow you whole. Or a zombie to come over and take you first in the zombie apocalypse. Jimin, thank the sweet heavens, doesn't say anything. He just looks at the two of you a moment before winking at you and taking his place across from Hoseok.

   "You ready to go down, Hobi?" The other boy looks eager to start, he's stretching his wrists while glaring at the other team.

   You cast a glance behind you and take a seat at an empty bench to watch it all unfold. The boy that roped Jimin into all of this is Taehyung, and the one on Hoseok's team is Namjoon. Yoongi, the one who refused to play, at some point ambled over to you and offered a cigarette before beginning to loudly tell you why everyone playing sucks each time they miss. You're assuming based off of the shit eating grin on his face that he's doing it solely to mess everyone up, and it works on just about everyone. Except for Hoseok, who seems completely unaffected.

   It doesn't take long before everything is over and Jimin and Taehyung are forced to chug the remaining drinks. You polish off the last of your sugary alcoholic drink and start looking for the nearest escape before Hoseok is ambling over towards you.

   "Hey, I didn't expect to see you here. Is Sam here?" You nod quietly before slowly adding.

   "I wouldn't...uh...go looking for her though." Hoseok sighs and nods before sitting next to you on the bench.

   "You don't seem like much of a party person."

   "I'm really not. But it's nice out here, it's quiet." You glance over to see Jimin giving a now very drunk Yoongi a ride on his back. "Your friends are interesting."

   Hoseok snorts. "They're idiots, but loveable."

   "Did you get that room situation at the cafe all figured out?"

   "Yup, got all my stuff moved in and everything. Thanks for not telling Sam by the way. I've been talking to her you know."

   "I know, she's been over the moon about it. Oh, you know your mom is coming over next week?"

   "How do you know this and I don't?" Hoseok sighs but adds a quiet thanks.

   "Oh, uh, sorry. But, I know that they're planning on doing dinner again. I think we're going to Olive Garden, which means plenty of breadsticks to swipe."

   "We're?"

   "I was invited." Hoseok chuckles at this before shaking his head.

   "I think I should be offended that I've been replaced."

   "You haven't been replaced by me. I'm telling you all this so you can make sure to talk to your mom if you want to go. Or avoid it like the plague, it's your choice."

   "Thank you. I suppose I've done enough avoiding though, I'll try texting her." At this point an awkward silence begins to fall and before you start babbling you decide to finally make your exit.

   "Well, I should probably get going. I'll see you around." Hoseok jumps up, shaking his head.

   "I'll walk you home." He holds up his hand as you start to protest. "I need to get going anyways and you're on the way. Besides, it'll give me a great excuse to get out of here before they try to wrangle me into another round."

   You nod and start to walk forward before you call out behind you, "I'll see you in class tomorrow, Jimin!" Jimin sends a bright smile to you and waves, sending another all too knowing wink before Yoongi accidentally (at least you hope it's accidentally) starts strangling him.

   You weave your way to the back gate with Hoseok in close proximity as you start quietly making your way to your dorm. There's a lot that you want to say, but you aren't sure really what you should say. After all telling him that he's breathtakingly handsome probably won't end well. You mean, it might, but probably just for a night and for once you're not really interested in catch and release.

   "So...you never texted me."

   "Well...I haven't exactly had a need to." Oh god, you sound so harsh. "I mean, I didn't really want to bother you unless I really needed help or something. I figure you're pretty busy."

   You glance over at Hoseok to see him...smiling? He's actually smiling? "Well, it doesn't have to be an emergency or anything. Text me, whenever you want. I mean it (y/n). I appreciate all the help you've given me, so even if you just need someone to like vent to or something I'm here for you." God, he isn't helping matters. Why can't he be an asshole that you could just hatefuck and get everything out of your system? "Looks like we're here. Have a good night (y/n). It was nice seeing you again."

   "Um, you too Hoseok!" You turn away quickly and dash into the dorm. Never have you been more grateful for your tiny dorm room and not having a dormmate before as you squeal into your pillow before flipping onto your back and staring at your phone.

   It feels like ages before you finally type out on the too bright screen, "Did you make it home okay?"

   You get a response just a moment later.

[Hoseok]: Yes mom

   You groan before staring at the typing bubble pop up and disappear repeatedly. God, what is he typing? Why won't he just fucking say it? Does he hate you? Did he not really mean it when he said to text him whenever? Do you look clingy? CURSE THOSE THREE PERIODS! Oh god. You heaved a sigh of relief when you finally see the text appear.

[Hoseok]: Just kidding, it was nice seeing you again btw

[you]: How have things been going for you btw?

[Hoseok]: Better, I took your advice. I'm doing better in my classes, I've been talking to Sam more. Things are starting to actually look up.

[you]: That's great! I'm glad things are doing better!

[Hoseok]: How about you though? Any dudes I should beat up?

   Have you just been banished to the sister realm? You're pretty sure you have been.

[You]: No I'm pretty boring. Just trying to finish all of my papers.

[Hoseok]: what's your major?

[You]: Creative writing, made the mistake of taking ten classes this semester, and most of them are morning lectures.

[Hoseok]: Are you a superhuman? Like, how???

[You]: I've given up on free time

[Hoseok]: You sound like you need a break

[you]: When I space out too long I can actually hear my grades falling

[Hoseok]: ah, the woes of college. I'm glad I don't have to do many papers for dance

[you]: Yeah, but you still have to practice and perform and honestly I'd rather have someone shoot me in my face than have to perform in front of people

[Hoseok]: Wow, those are some intense feelings you have there

[you]: Most sane humans don't enjoy being in front of others like that. I don't know how you do it.

[Hoseok]: you get used to it. I promise. Hey, I have a performance upcoming that you might really like. It's in a month

[you]: Oh yeah! Sam told me about that, she already got us tickets

[Hoseok]:...she could have just asked me for them? I can't believe she actually paid for them

[you]: I think she was trying to surprise you. Please don't tell her I told you

[Hoseok]: It'll be our secret. Again. We seem to hold a lot of secrets, huh?

[you]: I blame you.

   After that the two of you send a few memes back and forth before you finally fall asleep, your dream being an odd montage of Hoseok dancing and kissing you in the rain until Sam starts screaming at you. Luckily the Sam screaming at you part seems to do more with her poorly timed wake up call.

   "WAKE UP ALREADY!" Sam unceremoniously rips your blankets off of you as you blearily open your eyes. "Christ, I swear you could sleep through anything. Wanna go get coffee? I have so much to tell you."

   You grunt in response before slowly changing and trudging behind Samantha as she heads over to your car. Luckily she doesn't even protest when you toss her the keys and try to squeeze in a few more minutes of sweet sleep before you pull up to Hoseok's coffee shop. God, why now? Why couldn't you have spruced up a bit more? Worn something other than a ratty t-shirt and leggings to see him again? And your face still has pillow marks, god this is horrible. You take a deep breath and follow behind Sam, praying she hasn't noticed your delay.

   The world must truly hate you because the moment you walk in you see Hoseok behind the counter smiling over at the two of you. "Hey sis, you won't be screaming at me this time, right?"

   "Unfortunately today I've decided to be civilized. Also, I came for free coffee." Hoseok snorts before nodding for her to continue. "Um, two flat whites. Also whatever muffins you recommend."

   "Got it, I'll be over to you guys in a bit." You try shrinking away as quietly as possible to the couch that Sam flops down on.

   "Listen, so I was going to go you know hang out with Bobby last night,"

   "Ew, his name even sucks."

   "Shut up! Anyway, as I was saying, I was going to but then all of a sudden that girl Heather the cheerleader all the guys are goo goo eyed for? Well, she came out of nowhere and started screaming at Bobby for knocking her up! Swear to god, I felt like I was living an episode of the Maury show." Samantha goes into more detail and you can feel your eyes glazing over. You actually have no clue who this Heather is, and you honestly don't care. You feel bad that Sam got stuck in the middle of it all, but this kind of drama has always been uninteresting to you. You're not sure if you should shriek that Hoseok has to once again witness you in this state or thank the gods that Sam finally seems to be finished telling the tale at the sight of her brother.

   "Hey, Hobi, wait! Before you go I've been meaning to tell you that Mom asked me to invite you to go to dinner with us next Friday. Do you think you can make it?"

   "I'll see what I can do. What time?"

   "Around six I think? At Olive Garden, which means all the breadsticks we can steal for later!" Hoseok winks at you as Sam occupies herself with her blueberry muffin for a minute.

   "Got it, I'll be there." You try your best to not get caught watching him walk away. God, even his ass looks great. How do some people get all the good genes while you're sitting here looking like an unwashed potato?

--------------------1 week later---------------

   You're munching on a breadstick, listening to soon to no longer be Mrs. Jung go on and on about how proud she is of Sam as your eyes narrow in on Hoseok sauntering over. No man should look that good in just a white T-shirt and jeans, and you're having a hard time not staring. Over the last week, the two of you have texted nearly nonstop. He's sweet and funny, and he has an arsenal of really good memes that he sends you at the most unexpected of times. It's just not fair. You can't have it all. You can't look that good AND have such a killer sense of humor and be witty and intelligent.

   Sam keeps pestering you asking who you could possibly be texting, and at one point you blurted out Jimin. Which isn't entirely a lie. The two of you have actually hung out a few times this last week, and he is convinced that he needs to be a wingman for you and Hoseok so you're pretty sure he'd have no problem covering for you. Apparently, you need to work on your poker face better if Jimin caught on so quickly. You hate that you've lied to your best friend, but at the same time you're not sure how to spill the beans that you have a thing for her older brother who she's incredibly protective over. Someday either you'll get over it or you'll finally buck up and tell her. Today, however, is not that day.

   "Hobi, my baby!" Mrs. Jung jumps up at the sight of her son and wraps him into a tight embrace before reluctantly pulling away so he can have a seat. After quietly wiping away a stray tear her eyes laser in on the tattoos. "When...did you get all of those?"

   "Uh, about a year ago I guess." His eyes cast down at the table, guilt clearly washing over his features at not having seen his family in so long. "You know mom, I uh, I have a dance performance upcoming and I have a solo part. I'd really like it if you could come."

   Her eyes finally look away from the tattoos and back up to his face before she nods. "Of course, of course, I'll come. You know, I always did think you were a great dancer it was your father who-"

   "Mom, mom it's okay. We know. Let's just enjoy tonight." Sam interjects and you find yourself awkwardly cramming a breadstick into your mouth as you try to astral project out of this family conversation you're intruding on. Hoseok glances between the three women around the table before cracking up loudly at the sight of your cheeks stuffed to full bread capacity.

   "Oh, Hoseok I guess I've never properly introduced you to (y/n). (Y/N), don't let his looks fool you. He's super lame. He once failed a test because he was up all night playing pokemon go and he's super loud which is totally not cool."

   "Sam! Be nice to your brother!" Hoseok laughs as he waves off his mother's warning.

   "Well, at least I don't still sleep with Mr. Porky your childhood stuffed pig."

   "YOU TAKE THAT BACK RIGHT NOW!"

   Your eyes dart between the siblings as they quarrel with one another. Siblings look like fun, and there's something so heartwarming about the way how they interact even when fighting. Okay, well maybe not that time that Sam ripped him a new one at his job, but this time it looks fun. It's also nice to see Hoseok so relaxed and happy, so comfortable and not like the world is going to fall apart or with a bunch of thorns sticking out of his hair.

   The rest of the night you try not to glance over at Hoseok too much. It's hard to keep up the conversations and not include him, but you realized rather quickly that speaking to him too much cause your cheeks to burst a flaming red and words to come out slightly wobbly. It's so easy to text him, but in person (especially while trying to keep your friendship as a secret) it's like fighting a boss battle. By the time you get back home you're exhausted, utterly wiped out from trying to keep yourself sane.

-----------

   A month later and you're sitting next to Sam as the performance finishes up. You've never seen modern dance before, but you can guarantee it won't be the last time. The way he moved, the raw emotions that each movement gave it was like watching a silent movie but knowing all the dialogue. It's also at this moment that you realize you don't like Hoseok. You don't have a crush on Hoseok. No, you love him. You love his quirky sense of humor, you love the darker brooding side of him, you love the way his eyes turn into little crescents as his cheeks press up when he smiles, you love the way he's so effortlessly him. Perhaps you fell in love the moment you started texting him, the moment you started unraveling this. But this is dangerous and unfair to your best friend and to Hoseok who most likely sees you as only a friend. So before the very end of the show, you fake a stomach ache and head home, you're in far too much of a mess at this stunningly obvious realization to see Hoseok face to face with his family around.

   The guilt that already felt heavy to begin with now feels like a boulder on your shoulders when you get a text from Sam followed by one from Hoseok shortly after, both of them concerned how you're feeling. While at first, you wanted to save your integrity instead you just say, "I ate too much ice cream and didn't take a Lactaid." There, embarrassing but believable and certainly easier to admit than "I'm head over heels in love with Hoseok and I've been secretly texting him." It's at this point that you do something even dumber, you text your secret ally Jimin.

[You]: I have a problem

[Jimin]: ?

[You]: I'm in love with him. Please shoot me.

[Jimin]: No thanks, I don't handle blood well. But you just noticed this? How are you slow on the uptake about your own emotions?

[You]: Ouch, could you try to comfort me. I don't know what the fuck to do

[Jimin]: Put your big girl pants on and tell him

[You]: Fuck no. Are you crazy? My best friend, his fucking sister, doesn't even know we talk

[Jimin]: Yeah I know. Just tell her.

[You]: Life isn't that simple assface

[Jimin]: I'll take that as a compliment, I have a great ass. Also it is that simple. I assure you. It only doesn't seem that simple because you're afraid. Don't be. I know Hobi and...just trust me if his sister is anything like him tell her and trust me when I say just be honest. What's the worst that can happen?

[You]: I'm not ready to hear no, I think I might die from heartbreak

[Jimin]: Ohmygod you are so freaking dramatic. Tell them bitch or I will!

[You]: You fucking wouldn't

[Jimin]: Well someone has to...

   It's at this point that you throw your phone at the wall out of frustration at the same time as a few knocks are heard on your door. Fear seizes you at the thought that it might be Sam or Hobi. Fuck. Fuck. Oh god, you really screwed yourself over. "Open up loser, I know you're in there."

   For someone so cute and tiny with such a quiet voice you've learned that Jimin certainly has a snarky side to him which you've clearly awakened if his tone through the door is anything to go by. "Don't wanna. Let me die in peace."

   "I will kick the door down in five four three" You begrudgingly open the door for him before shutting it and shuffling back under the blankets.

   "What are you doing over here Jimin?"

   "Trying to talk some sense into you. Besides, emotional support is better in person. So, I saw you at the show tonight. Snuck out early huh? I left as soon as I got changed to stop you from blubbering alone."

   "Got changed? You were there?" You don't remember seeing Jimin in the crowd, although you were rather focused on the show.

   "Ouch, I'm one of the dancers remember? How cruel and heartless." Jimin fakes a sob before he socks a punch on your shoulder and wraps you up in his arms. "Seriously though, I know it's scary but just tell them already. Look at you, you can't keep this a secret much longer. It's like ripping a bandaid off, you need to let it happen."

   You try to weigh everything out, and you spend the next hour formulating a plan with Jimin. He's right, you do need to tell them. And while Jimin thinks you should tell Hobi first and get it over with, your allegiance to your friend holds more importance to you. Instead, you decide in the morning you'll talk to her first and then you'll try to talk to Hoseok. It might ruin the friendship that you've built, but it's no use pining after him from a distance. As much as you hate to admit it, Jimin is right. It's time to finally come clean after months of this.

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

   It was now or never. It was d-day, game time, time for the world to possibly collapse and have your best friend punch you in your throat. You're nervously clutching at the hem of your hoodie as she blabbers on about dinner with her mom and her brother, and you can feel yourself almost bursting. You have to tell her, and soon.

   "Ugh, I feel so bad that you had to miss dinner though. We went to this little Mexican place and they had this flan that you would have loved. I would have saved you some but one I have no self-control, let's be real, and two you would've just forgotten to take a Lactaid and gotten sicker."

   "Sam," You take a wobbly breath and interject her thousand words a minute rambling. She looks up from her phone and rolls over on your bed, an eyebrow cocked at the serious tone in your voice. "Sam, I uh, I have something to tell you..."

   "What, you're fucking Jimin? Yeah, I figured that one out already. So what, are you guys dating or just-"

   "What? NO? Oh my god, no why would you-"

   "-Well, why wouldn't I? When I was talking to Hobi about it last night even he agreed that you guys must be dating. Especially when he took off so fast after the show suspiciously around the time that you left. You don't have to lie about."

   "Oh. Oh god, oh no. Hobi doesn't really think that, does he? Fuck. Okay, Sam, Jimin was right I need to be honest. I'm not fucking Jimin, nor have I ever-"

   "That's a shame, he has a great ass."

   "Yeah, sure, back to the point." You can feel a cold sweat start to take over as you gulp in air, "I'minlovewithyourbrother." You say the words as fast as possible, eyes squeezed shut as you brace for impact.

   "What? You're...howzthatevenpossible? Since like when? And...love...not like...girl I am so confused." You slowly open your eyes, one at a time to see a very lost look on her face.

   "Okay so it's like this...I've met Hoseok before the incident at the coffee shop. Way before. Only once though. He passed out on campus and I helped him out. We didn't talk. But then at that party where you ditched me for Mr. Keg stands-"

   "-His name is Bobby, and I told you we didn't have sex he-"

   "-Knocked up the cheerleader, yeah I know. Anyways, we ran into each other at the party and we got to talking and then we started texting and I know he sees me as just a friend or maybe just a friend of his sister...but...I really like him. Like him like him, like love like." Great, now you're incoherent. Sam is dumbfounded, and for once she isn't talking. After a moment of awkward silence, she clears her throat.

   "You do realize he's a dork? Like a giant dork? And that he freaking lives in a coffee shop? And that he has a lot of baggage? And that honestly, as your friend I should warn you, probably has gotten an STD at some point in his life? Like...you're way too good for my dipshit older brother. I love him, but like honestly. Him?" Well, this wasn't the direction you expected at all. "I get that some girls think he's cute and all, but you've never had to do his laundry. It's gross. He smells like gross boy."

   "He smells like citrus and pine needle most of the time, you can't blame him for sweating when he dances."

   "Did...did you just defend his body odor? And how the fuck do you know that he smells like citrus and pine needle? What, are you some kind of scent expert? You know what, no please don't answer that. I don't want to know." Sam shakes her head before clasping your hand. "Listen, I'm not here to police who you date or who my brother dates. I'll support you. Or console you." Gee thanks for the vote of confidence. "But I think I might have fucked everything up. You should talk to him soon."

   "Well yeah, you did kind of make him think I was fucking Jimin. How bad was it?"

   Sam tilts her head, eyes narrowing as she recalls the memory. "Well...he was pretty surprised, but then he put on his typical 'nice guy' smile and said that you guys made a good pair and he could see it."

   You groan in frustration as you grab your phone, getting ready to send him a text before Sam slaps it out of your hold.

   "No, nope, you're not texting him this. Listen, there's a party tonight that I know he'll be going to after he finishes up work. You're going. That'll be the best way to talk to him." God, not another party. This isn't at all how you wanted to admit your stupid feelings. Damn emotions, you swear they're like dandelions growing in the least expected places. But the look on Sam's face says she's not going to take no for an answer. But she's right, if he's working right now the best time to get a hold of him today will be at that party.

   You take a deep breath in and nod resolutely. Just because she's right doesn't mean that you have to like it and you still stand by your hatred for parties. At least this time you have a reason. As long as you can find Hoseok. "What if I can't find him?"

   "I'll text him, dummy. I've got your back."

   "More like you'll have the popcorn to watch this all unfold."

   "Well, yeah that too. But I mean, I'm rooting for you." You pick up a pillow and hurl it at her face before groaning as you flop over her on the bed.

   "What time is the party?"

   "Well it starts at 9, and it's five now. So if I were you I would start getting ready now."

   "Now? What for?" Uh oh, you know that face.

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

   There are few things in life that Samantha Jung loves more than giving people makeovers. You've been thoroughly groomed and primped to perfection and it somehow took the full four hours. Your skin is glowing in a way you didn't realize it could but after enough exfoliating, a clay mask, a sheet mask, and a hydropack later it's sparkling in a way that shouts "I drink tons of water and eat my weight in kale!" Not that you do, you probably should though. You're highlighted and contoured to perfection, and while Sam is clearly proud you have zero problems with admitting that it will never look this way again. She did at least let you wear your own comfortable choice of jeans, t-shirt, and sneakers.  

   "He's in the backyard, playing beer pong again." Jimin appears by your side the moment the two of you walk in, answering the golden question before you can even think it.

   "Jesus, you scared the shit out of me Jimin." Jimin snickers as he hands both of you drinks.

   "Sorry about that princess. Well, what are you waiting for? Go show your very dewy face off to him."

   "Oh god do I look like an oil slick?" Sam hits him as you pull out your phone and check in the camera.

   "No no no, you look great." Jimin is trying to stop the blows Samantha is hurling his way as you sigh and glance around the party. You don't know most of these people. Apparently it's mostly music and dance students celebrating that they've finished all of their showcases. You can feel dread fill you with each step closer to the door as you move past the crowd. It feels like ages before you're finally standing in front of the door. You take a swig of the Kool-Aid and bottom-shelf vodka concoction before finally stepping out.

   If you weren't oily before you know that you will be soon. It's humid, sticky, and sweltering even after the sun has gone down. You can see the fireflies already coming out, cicadas can be heard buzzing in the distance, and you're sure mosquitos are actively hunting. If it weren't for your eyes landing right on Hoseok you would've walked right back into the comfortable air conditioning. Why anyone would want to play beer pong outside in this weather is beyond you.

   You take a deep breath before promptly taking a seat next to Yoongi. You'd like to lie and say you walked right up to Hoseok, grabbed him by the collar of his shirt and kissed him...but that's not asking for consent for one, and you also would probably fall flat on your face if you tried. Yoongi nods your way before offering his cigarette, you shake your head in a silent response before taking another swig of your drink.

   "Hey Yoongi, who's the new friend?" A man you don't recognize stops playing beer pong momentarily and you try hard to not sweat as you feel Hoseok's gaze land on you.

   "(Y/N), what are you doing here? Oh! Jimin just walked into the house if you're looking for him." You try not to laugh too pitifully as you wave your hand as if to shoo the thought away.

   "No, no. I know where he is." You're so sorry Sam, but it's your turn to throw her under the bus. "In fact, I'm pretty sure he's still with Sam. She had some sort of uh...misunderstanding that I think she's rather eager to sort out." You look up from the dandelion you've been concentrating on when you hear his sing-song laughter and you feel like you've been sucker punched in the gut. His hair is slicked back for once, cheeks glowing a pretty shade of pink under the patio light, sweat trailing down his temple onto his collar bones and all of his tattoos on full display in his tank top. Lord give you strength to not die from thirst on the spot.

   "Sam has a bad habit of jumping to conclusions."

   "Hey, are we going to play or what?" The guy you don't know throws an empty cup at the back of Hoseok's head as he speaks. Hoseok rolls his eyes before sending you a wink and turning back to the broad-shouldered stranger.

   "Yeah yeah Jin. Ready to get your ass kicked again?"

   There are a few things you learn in the next few minutes. Hoseok is really good at beer pong, you figured that last time but considering that the defeat only took a total of three minutes it's much more obvious now. You've also learned that Jin sucks and that Yoongi loves nothing more than to pick on him each time he misses. Which is every time.

   "Aish, that's it. I'm done. I quit." Jin groans after chugging back the last cup before he ambles over to another group further in the backyard. Yoongi coughs before winking at you and heading over with Jin, leaving you and Hoseok alone. Bless that tiny angry man for being the best unexpected wingman. Hoseok glances around for a minute before sitting down next to you.

   "You were really good by the way. The show I mean, the beer pong too though. I had no clue someone could dance like that. You chose the right pursuit in life, I'm sure of it."

   Hoseok laughs as he takes a swig of beer. "Thanks, I appreciate that. It's a shame you had all that ice cream. Lactose intolerant huh? I've been fucking you up with all those free coffees and I didn't even know it." You can feel your cheeks burning bright red as you jump to your feet. The sudden movement causes Hoseok to jerk back as you point your finger at his chest.

   "For your information that was a lie, although I would appreciate if you used almond milk in the future. But that's beside the point! I was completely fine, just a scaredy cat. So here goes nothing, Jung Hoseok I'd like to take you out on a date!" You can feel the blush travel from your cheeks up to your ears but force yourself to look at Hoseok. He's smiling, ear to ear with cheeks pushing his eyes into those cute little crescents you love to see.

   "Okay. Let's go."

   "What?"

   "You said you want to take me out on a date. I'm saying yes, let's go. Come on, what are you waiting for?" Your mind goes blank as he stands up and clasps your hand in his. It's so warm (kind of sweaty if you're honest, but hey, so is yours) and so perfect. Your brain freezes, your mental record scratches as you follow him through the house and out to the front lawn. (Excuse me, this is your friendly narrator, I'd like to interrupt for just a moment. This story could have been much shorter if you didn't overthink everything so much. Believe in yourself more! Okay, that's enough interruptions. I'll get back to the story now.)

   "Wait, wait, Hoseok where are we going?" Hoseok gives you a bright smile as he looks down at you.

   "There's a diner a block away from here. You didn't bring your car did you?" You shake your head no as you follow him. "They do really good pancakes. Breakfast for dinner is the best." At the sound of you suddenly going mute Hoseok looks back down as he squeezes your hand reassuringly. "So why'd you ask me out?"

   "Why wouldn't I? You're hot for one, but you're also really funny and sweet and relatable, and honestly, it's impossible to not fall for you. You have this bright sunny smile, but under all these layers is this really sweet but vulnerable man that I..." Hoseok stops walking for a moment, his face turned away as if to hide the blush creeping up his face. You take a deep breath before asking, "...why...why did you accept?"

   "Why wouldn't I?" You laugh at the way he imitates you before he starts walking again. "You're beautiful, and you've saved my ass twice because you're either insane or insanely nice, you're funny, smart, and the moment we started talking my life turned around. Honestly, yesterday I wanted to punch Jimin in the throat but then I realized it was my fault for not beating him to the punch. I would've asked you out if you hadn't, you know. Ah, we're here." Hobi leads you into the diner and slides into a booth as you slide into the other side. You stare down at the shiny black lacquered table for a moment before peeking up to look up at Hoseok.

   He's peering intently at the laminated menu. You've never noticed before but he has beautiful, long fingers with well-groomed cuticles. "Do you get manicures?"

   "No, but Sam recently had one of her makeover moments with me and decides that my nails had to have some work done on them."

   "She did a good job, they look nice." Hoseok glances up and smiles at you before sliding another menu to you. You take it and stare down for a moment before a waitress comes up to your table.

   "What can I get you guys?"

   "Oh, uh I'll just get a water and a small stack of pancakes."

   "A sprite and the stackhouse, eggs over easy." The waitress nods as she scribbles it down before walking away. Hoseok fiddles with a napkin for a moment before piping up. "Okay, so really important question here, what are your top songs right now?"

   "What genre?"

   "Rap?" He looks hopeful and you pull up your phone.

   "Well, always J Cole and Kendrick, but let's see...songs...hmm. Recently I've been listening to Justin Bieber by Coogie a lot, Uzuhan by Uzuhan, Pink Blue Dawn by Dumbfoundead. Honestly, I've been listening to more R&B lately. Lots of Sabrina Claudio, Sinead Harnett, and Steve Lacey."

   "Holy sweet Jesus, mary me."

   "Were you praying to Jesus and his mother or asking for my hand in marriage?"

   "A bit of both."

   "Oh well Kevin in first grade and I got married by the swingset after he gave me a ring pop so I think I'll have to get those divorce papers first. Sorry. My turn for questions. In a dream world, what would you be doing?"

   "Well marrying you because Kevin never gave you that ring pop obviously, and I'd be working as an established choreographer with my own studio."

   "You'll get there. I'm sure of it."

   "Such confidence. What about you? What would you be doing?"

   You want to say 'you' to him but you would definitely die from embarrassment. You can see the shitty epitaph now just thinking about it. "Well, I guess I'd be an established author on a much-needed vacation on a beautiful island basking in the warm sun without a worry because I've dug myself out of student loan debt."

   "Ooh, that sounds nice. I'm thinking Hawaii, ooh or maybe Jeju, you know it's the Hawaii of Korea?"

   At that moment the food comes out and the two of you spend the next hour or so discussing random topics until finally, you get up to leave after not so subtle hints from the waitress that you've overstayed your welcome. The two of you choose to walk back to your dorm rather than wait for an uber. It's only a few blocks away and it gives both of you more time to just bask in each other's presence. You never guessed that he would say yes to a date, or that it would feel so natural. All this time you've been able to hide away with text messages, making it easier to be unguarded the way face to face conversations typically make you a nervous ball of anxiety. But with Hobi? It all just feels so right, so easy as if it was supposed to be this way all along.

   You can feel your heart sink though with each step closer to the dorm, and you're pretty sure that Hoseok feels the same way based off of how he slows down. By the time you're standing in front of the building, you're suddenly feeling an overwhelming urge to not let the night end, afraid that you'll wake up tomorrow and the fairytale spell that's been magically cast will vanish.

   His hand is still tightly gripped around yours, the moon and dim security lights casting a silvery glow over his skin. Cicadas are still buzzing, fireflies glowing in the distance as if to remind you that the night isn't over yet. You glance up at Hobi and notice that it looks like he's trying to say something but no sound is coming out. His lips are slightly open, brows furrowed together. God, his lips look so soft and perfect and pillowy. Before you can even think you're standing up on your tiptoes and weaving your free hand into his hair as you softly plant a kiss on his lips.  

   What starts out as a soft and unsure peck quickly escalates as he grips your hip and deepens the kiss. He tastes like syrup and sprite and everything right. You can feel yourself growing dizzy, hungry for more as his tongue parts your lips. You always assumed he'd be a good kisser, if you're honest you've fantasized about it far more than you'd ever willingly admit, but he's even better than you could have guessed. A soft breathy moan leaves your mouth as he brings your bodies closer together and the guttural groan that leaves him as he finally separates and the two of you try to breathe has you reconfirming that you really don't want this night to end.

   "I, wow that was..." Hobi's eyes are glittering, the world cast in a haze of twinkling euphoria as you look back up at him.

   "Hobi, would you like to come up with me?" You're suddenly regretting your sudden boldness at the way he stops moving for a minute. Perhaps you're moving too fast, maybe he thinks you're a floozy or something and you've ruined it. Your overthinking goes into overdrive before his hand cups your chin and forces you to look back up at him.

   "I would love to, but if I go up there I...listen I really want you. So if you just want to hang out I need you to give me a second so I can calm down." At that, you peek down to realize that he's clearly grown excited, and you can feel a surge of need trickle down your panties.

   "I...I don't want to just hang out. I want you."

   "Ah, fuck. Are you sure?" You nod your head before reaching back up and placing a firm kiss on his lips. The green light seems to go off in his head at this, his hands gripping you tightly to him as tongues melt together before he pries away and you quickly lead him up. Unfortunately, the elevator has been broken for almost the entire year so you have to make the trip by jumping up the stairs, fever clawing at you the closer you get.

   By the time you're finally in your room you can feel sexual tension hanging thickly in the air. The moment you shut the door he hooks your legs around his waist and presses you against the wall, mouth quick to find yours again. Your hips jut against his, desperate for friction at this point and the groan of pleasure that leaves him has you clawing away at his shirt. You knew that he had a great figure, you've seen it before at the recital but to see it so close in person is another story. Your hands etch over his firm abs, dipping down to that oh so drool worthy V as you unbuckle his pants while his lips attach to your neck.

   "I don't think you understand how long I've wanted you." Hobi stops his ministrations as he speaks, eyes boring into yours before he moves you off the wall and onto your bed. You watch as he shuffles out of his shoes and pants before crawling back over you. In a matter of moments, the two of you are both in just your underwear, his eyes trained on the obvious wet patch of your pink underwear. "You look so beautiful, so perfect."

   The feeling of his soft fingers trailing over your body raises goosebumps, your eyes shutting at the sensation as one hand trails from your calf up to your inner thigh. "Look at you, so wet for me. All for me, all mine." His words have you whimpering, your hand gripping his.

   "Please touch me, I need you. Please, Hobi." His eyes squeeze shut for a moment as he grips at your thighs, shuffling until his face is just millimeters from where you need it.

   "How can I say no to that face?" Finally, he's tearing off your underwear. For a moment you're afraid that he's just going to stay there forever, face hovering over before finally he dips down. You're so wound up that even just the lightest pressure when he lays his tongue down and licks one long stripe has both of you groaning in satisfaction. "Fuck, how do you taste so good?"

   "Please stop talking and just help me. I need you. I need you so bad." You weave your hands through his hair, trying to move him closer to where you need him most. Hoseok shoots you a smirk before relenting, finally diving in like a man starved. His tongue is everywhere all at once, diving between your folds one second before reaching back up to swirl around your swollen clit. Your hands grip tighter into his hair as your hips roll on reflex at the sensation. If the rumors are true and Hoseok really has fucked half the campus at some point then you must admit that the studying has been worth it. If the rumors aren't true then he's either a sex god or a prodigy because holy shit you've never felt yourself come so unglued just from oral sex before.

   His hands grip your asscheeks to bring you closer as you mewl out his name, his own pleasure rumbling deep from his chest and vibrating through you. God, this is so much better than your own fantasies. "Fuck, fuck, you're so good. Don't stop, please don't stop. I'm going to cum." The tell-tale knot deep in your belly is on fire, legs quaking around his head as you throw your neck back. The feeling of two of his fingers gliding into you as he latches onto your clit is all you need to tumble head first into euphoria. Everything feels fuzzy as if cotton has been stuck in your ears and your muscles have become weightless. Floating. Flying. Breezing right into heaven.

   You don't even realize that you've been moaning the entire time, or that Hoseok has stopped moving to watch you as you fuck yourself onto his fingers slowly, coming back down to reality as the stars fade from your vision. "You're so beautiful, I could watch you all day." His voice is gruff with desire as he leans down and captures your lips in a wet, needy kiss. "I need you, I need you right now." His lips lead a sticky trail down to your chest as he finally pries the offending bra off and flings it off to the side of the bed with an ominous sounding crash that neither of you pay attention to. You're too absorbed in your own lustful world to notice anything else.

   As his teeth bear down onto your nipple your hand grasps his clothed erection. God, why is he still in boxers? The sudden attention being placed back on him has his eyes closing as a guttural rumble of pleasure leaves his throat. You try to pry his boxers off, but at the angle you're positioned in you can only manage to get it down half his ass. In lightning speed he's standing before you bare, his weeping cock bobbing proudly in the air. The sight has you drooling as you shuffle closer to see him. Veiny, thick, shining with precum. It looks delicious as he slowly fists it, eyes boring into yours the entire time.

   "Do you...have a condom?" Hoseok's voice breaks you out of your spell and you nod before reaching over to your nightstand and pulling one out. He quickly grabs the foil and you watch with keen interest as he rolls it on and tosses the foil into your small waste bin. "You're...you're sure about this right?"

   "Hobi, I've thought about fucking you more times than I can count. Please, fuck me already." His adam's apple bobs at the admission and he pulls you up into a heated kiss before twisting you around and placing you on all fours. One hand pulls your ass apart as the other grips your hip for support. The feeling of him finally entering zaps you with electricity, each small movement as he sinks further into your dripping cunt has your eyes rolling back into your head.

   "Holy shit, how are you so tight?" You clench at his words, hips rolling back to urge him to move. "Keep doing that baby girl and I'm not going to last long." The pet name has you moaning, hands gripping the sheets tighter as he slowly pulls out and slams back in, balls slapping against your swollen clit. Hoseok sets into a steady pace, hips slamming into yours each time he hits your cervix. You feel so full, so utterly filled and the knowledge that it's Hoseok, finally him deep inside you has your head reeling and your second orgasm fast approaching.

   "Faster, I'm going to cum!" He grunts as he twists your hair around his hand, pulling you up so your back is flat on his chest as he drills into you at a brutal speed. The sound of moans, flesh on flesh, and wet sex fills the room.

   His mouth lowers to your ear as you start spiraling out of control, "come on, cum with me baby girl. Let go." For the second time you see blinding white, toes curling as his hand circles over your clit, walls clenching around him as you milk him to his own completion.

   The two of you remain there for a few moments, panting as you try to come back down to earth before you finally slump forward, his softening cock slipping out. When you turn around you see him grinning back down at you, pushing his hair out of the way as he flashes you that full crescent eye smile you love so much. He takes a moment to catch his breath before he ties up the condom and tosses it. He rolls onto the bed and pulls you into his arms before speaking.

   "You know, I can't remember the last time I was this happy? You're just so beautiful, and funny, and nice and I don't want you thinking that I was only in it for this. I...I know the rumors about me but I haven't been that guy in a long time. And I really want this..us...fuck do I sound super lame right now?"

   You place a soft peck on his cheek as you beam up at him. "No Hobi, you don't sound lame at all. I kinda figured on the rumor front, considering your ex and how serious that seemed. Besides, I don't care even if it was still true as long as you...only want me...now..." Your voice trails off towards the end, cheeks heating up as you look away before glancing back up at the sound of his loud laugh.

   "Trust me, you're the only thing that's been running through my mind for months now. I'm all yours."

   "All mine?" You watch him smile and nod before he leans down to place a gentle kiss on your forehead. The act feeling somehow so intimate. That night you fall asleep in his arms, trying to count all his tattoos as the two of you whisper about everything and nothing all at the same time. You were right, he's certainly the kind of guy that you can lay in bed with for hours after sex so that's exactly what the two of you do.

   One year later Hoseok graduates and the two of you are more in love than you thought possible. Two years later the two of you are living together as you try to finish up your degree. Three years later and you're working for a publisher while trying to establish yourself as an author as Hoseok finally opens up his own dance studio. Four years later Hoseok proposes to you in front of the slides at a park with a beautiful morganite ring, sneering a comment about 'take that Kevin' after you tearfully accept. Five years later and you're walking down the aisle as Sam bawls her eyes out as your maid of honor. There were ups and downs in the relationship (luckily usually between the sheets), but the two of you worked through everything. Somehow that crash landing all those years ago brought Hoseok into your life, and you wouldn't change how anything happened for the world.  

[porchwood]

Okay, here goes. The incredible @everlarkedalways created a GoFundMe to help me out through present circumstances, but before I share that link, I wanted to explain a bit of what’s been going on. I feel awful accepting financial help, in part because I’ve been such a dry well for the past 18 months (I have nothing creative to give back/say “thank you” with) and also because so many of you have previously contributed monies to help me through other crisis points over the past five years (yes, it’s been that long and no, it doesn’t seem to be getting any better). But things are maybe the most desperate they’ve ever been and I really can’t say no to badly needed help.

Because I’m long-winded, I’m going to try to condense this into a simple chronological order. Things have been relentlessly bad since my car accident on December 26, 2013, but this is where the current run really started: 

December 2017: The day after Christmas, I went to the ER at 3am with excruciating chest and upper back pain, a bad experience all around (terrible staff, indifferent care). Their best guess was that I’d had an acid reflux attack, something I’d never had before (but have had since, alas :/).

January 2018: The ER bill saga began, and after loads of paperwork/headaches applying for any kind of aid/bill forgiveness, they put me on a payment plan for the $1,343 balance (and yes, that was "after” insurance - Marketplace policies are crap and all they did was “adjust” the total; nothing was covered). Meanwhile, I started taking Lucky to an acupuncturist over an hour’s drive away, desperate to find something to ease her severe separation anxiety (nonstop barking and howling when I was gone, which we have been struggling to treat, with varying degrees of success, for over two years). The sessions were very expensive (around $400 for one month - I had to put them on a credit card that I’m still chipping away at) and actually made her WORSE.

February 2018: The downstairs neighbors left a mildly threatening note about Lucky’s howling - the day before my birthday. In a ridiculous twist of luck, I managed to find a great sitter who only takes little dogs and was (and still is) able to watch Lucky for me as needed, but it cost me $25/day. (At most I would use her two days a week, but you can see how quickly that would add up.) At the same time, I also started administering CBD drops (suggested by our new vet) to Lucks when I had to leave her at home.

July 2018: After increasing the dosage multiple times, I finally started seeing improvement in Lucky’s behavior from a combination of the CBD drops and SAMe, which was huge (note the timespan), but these therapies cost about $100 month. I resolved to make it work somehow.

September 2018: I found out that my workplace had been bought out by an area salon and would be changing hands soon. Shortly thereafter the new owner sent us the employee handbook, which stated that we could not have another job in the same field (many massage therapists in this part of the country work at multiple places as there simply isn’t enough work to go around, especially in the off-season). The new owner was originally okay with me keeping my second job (on-call work at a yoga studio), and then I learned that that position was switching from a subcontractor to an outright rental (I would have to pay up front for the use of the room and possibly make none of it back while having to promote myself as a business), so for several reasons I decided I would leave that second job at the end of October and try to pick up more hours at my “main” job. One bright spot in all this: the downstairs neighbors moved out at the end of the month, but...

October 2018: ...the day after the neighbors moved out, the landlord informed my roommate (a THG fandom friend and content creator) that the owner of our building had sold the property and that we had 30 days to vacate. I can’t even begin to articulate how stressful, expensive, frightening, and exhausting that time was. By the end of October our only real option was a little house approximately 10 miles from town, and miraculously we got ourselves moved out there - to the tune of lots of $$$ and insane energy expenditure.

November 2018: Because I now lived about 20 mins from work and I have to come home at lunchtime to take Lucky out (and give her a booster of anxiety drops), I had to switch to split shifts. If you’ve ever worked split shifts, you will understand why this sucks (you’re never home, you’re always tired, and you never see or spend time with the people you live with). My new boss put me on the schedule for two additional days a week (I initially had just two days a week, period, hence the second job), which initially seemed very promising, but neither myself nor the rest of the staff realized that the new management had an either/or policy when it comes to pay. (This is messy and frustrating to explain, but in a nutshell: instead of getting paid commission for massages and hourly for the rest of your clocked-in time - laundry, desk help, etc - you get paid ONLY commission, i.e., nothing for all the extra things you do, unless the commission divided by hours amounts to less than minimum wage, in which case they pay you minimum wage for the week instead, including for your massage hours. Which is not cool but is, apparently, legal.) So I was driving about an hour a day (20 mins each way, twice, to the tune of about 300 miles/week) just to make minimum wage (we were entering the dead season for massage and I’m the perpetual “second string” therapist anyway, so some weeks I had just four clients in four days :/), which was exhausting and disheartening.

December 2018: Daylight glimmered: my sister (with whom I am extremely close and who I hadn’t seen in a year and a half) flew out to see me after Christmas. A coworker agreed to cover the whole week and a half of her visit for me, and I was a little nervous about taking the time off (unpaid, of course) at such a rotten financial time, but I hadn’t had a vacation of any kind since moving to Maine nor a weekend off since August of 2017. I resolved to be extra frugal during her visit and my work schedule was going to be almost full after she left, so I was pretty sure I could squeak through somehow.

I saw her off on her return trip, and that night I was carrying some dishes down from our living room when I took a very bad fall down the stairs. These are awful, steep “Maine stairs,” and in my fall my left leg shot out through the open side of the staircase and wedged the knee against the bookcase in the dining room below. When I tried to get up I realized that something was very wrong with my knee, and my roommate helped me to bed with ice, a brace, ibuprofen, etc. The following morning I went to the hospital and was directed to the same stupid ER (the last place I ever wanted to go again, but they don’t have urgent care out here and wouldn’t let me just see a GP, so I broke down and cried in admissions). The care I received was middling, if not as bad as on my previous visit, and the nurse-practitioner ordered no weight-bearing for three days, which meant losing the rest of that (desperately needed) work week, and advised following up with orthopedics the next week if the knee wasn’t better.

My wonderful roommate made all kinds of accommodations for my comfort for those three days, and I implemented all the extra therapies I could think of (turmeric, arnica, l-glutamine, Epsom salt soaks, etc). I asked my employers about the possibility of picking up non-massage hours (covering the desk, laundry, etc) but was given the impression that there was nothing for me to do till I could return to massage again. I went to the orthopedic doctor last Thursday and his diagnosis was an MCL (least concerning of the knee ligaments) sprain or tear. I was already strides ahead on his self-care recommendations (getting myself off the crutches, constantly wearing a good brace) and he was supposed to refer me for some PT, but I haven’t heard a peep on that front, and I’m not particularly concerned because, Lord knows, my insurance probably wouldn’t pay for that anyway. He estimated 4 weeks to full recovery but I’m determined to get back to work before that.

So, here’s where we’re at: I’m out of work at the worst time of year, and at the very least, I’ll lose 2.5 weeks of pay (on top of the planned week I took off, plus Christmas and New Year’s were unpaid holidays). Because we live in Maine where everyone has beastly heating fuel, even in a decently insulated house (as I believe this one to be), it costs us around $350 a month to keep the place at 58 degrees through the winter months. (Yes, 58 degrees. 60 if we’re splurging.)

My credit cards are maxed out from car repairs and copious Lucky expenses (including an emergency vet visit - she ended up being fine but it was one of those things that happens after hours/over a weekend and you really shouldn’t wait several days to have checked out).

Oh, and just for fun, our January rent payment got lost in the mail. The landlord was very nice about it and we promptly sent out a replacement, but this meant paying $35 for a stop-payment on the missing check (did I mention that I had to buy checks, to the tune of almost $30, just for paying rent?).

Those of you who have already donated: you are quite literally keeping me going right now. You covered Lucky’s rabies booster yesterday and refills of her food and supplements (all of which, naturally, were running out at the same time), and Lucky is absolutely the reason I’m still alive, so her care honestly means more to me than my own.

I have no idea what my medical bills will look like at this point. I’m assuming the ER visit will be around $1000, and I’m sure the orthopedic visit will be up there somewhere too. As soon as bills start coming in I’ll apply for aid (or, likelier than not, a payment plan), but in order to do that they’re going to want my new tax returns, which means I’m going to have to get my taxes done (probably in Feb) just to find out what my ultimate medical expenses will be. (I used to do my own taxes cheaply through TaxAct, but I was a subcontractor for part of the year, which complicates things and means having to pay someone $$$ to do them this round. I may actually owe on my taxes this year, which is terrifying.)

The healing has been going well overall and I’m hoping to be able to go back to work next week, but I don’t want to assume my knee will oblige. To add insult to injury, I just got hammered with a terrible cold (the kind that levels you in bed), so my body is triaging itself and I’m not sure which is going to get the care first. Surprisingly enough, Lucky’s being a great little nurse, but recovery is a difficult and very lonely process, especially when you get saddled with illness on top of injury.

Anyway, sorry for the ramble. I’ve been reluctant to talk about the miserable past year, but in light of the fact that I’m receiving (and, I guess, asking for :/ ) help, I thought you should know what’s been going on. Thanks for listening and blessings on your day. <3

[gracieminabox]

I hope its okay to ask this since your mostly a fandom blog but I saw something today on facebook about something called CPC's and that they arent actually even clinics at all. Is this true and if it is how can I know the difference between one of these places and a real pregnancy clinic?

This is a phenomenal and extremely important question, Nonie, and I’m super glad you asked it.

“CPC” stands for “crisis pregnancy center.” These are anti-abortion, usually religiously-affiliated organizations with a business model that is constructed on using whatever means possible to dissuade someone from having an abortion. CPC staff (many times just volunteers) perform limited ultrasounds - which are frequently inaccurate; I have stories, which I’ll detail below - and “counseling” which includes propaganda on various “dangers” of abortion. (In reality, the safety profile of abortion is exceptionally high - you run a 10-15x greater chance of complication with childbirth.) Many times these CPCs offer material assistance, e.g. diapers, if the pregnant person agrees to continue the pregnancy; rarely if ever do they actually come through. There is virtually never an actual physician on site. CPCs are also central participants in many abortion protests; many of the regular protesters outside our clinic are affiliated with a CPC in our area.

(Worse, in many states, CPCs are taxpayer-funded, and in most states, CPCs are not legally required to inform people that they do not provide abortions at their facility, further confusing the public.)

NOTE: There is exactly one exception in the country that I know of that is an exception to the rule of CPCs being absolute shitbags, and that is All Options Pregnancy Resource Center in Indiana. They are explicitly pro-choice and do actually provide unbiased counseling on pregnancy options, material assistance to people continuing their pregnancies, and financial assistance to those terminating. They are wonderful and do not deserve to be lumped in with the rest of these organizations.

How do you tell the difference between a CPC and a legit medical provider? Well, it’s hard as hell for a layperson to do, but I do have some tips.

-Look at the name. Obviously, if it explicitly says “crisis pregnancy center” in the name, run. Another frequently cited term is “pregnancy resource center.” Also, does the name sound religious? Is there a reference to god, life, or “heart” in it? It is almost certainly a CPC. (Also, “hope” is a frequently used word in naming a CPC - however, I know of one very wonderful small chain of clinics that use the term “hope” in their name, so that’s a guideline more than anything else.)

-What are the politics of your state? The redder you are, the more CPCs you have. In Texas, the CPC to legit abortion provider ratio is nearly nine to one. CPCs are crafty; they set up business where they know people are most vulnerable. Legit providers are more likely to be in urban areas. If your county is reasonably small, it is unlikely there is a provider in your county - approximately 88% of counties in the United States have no abortion providers at all - but it’s completely possible that you have a CPC in your county.

-Check the National Abortion Federation’s Find A Provider tool or abortion.com’s state by state directory of abortion providers. If they appear on there, they’re legit for sure. (Note: These directories do not include every single abortion provider in the country, so even if they’re not on here, it does not necessarily mean they’re not legit - this is more a “be reassured if they’re there, do more research if they’re not” tool.)

-Kick it old school and look in the yellow pages. CPCs will be listed under “Abortion Alternatives.” Legitimate medical providers will be listed under “Abortion Providers” or “Abortion Services.”

-If you’re looking at Planned Parenthood specifically, know that PP is always going to brand itself as such; it will never go by a different name.

-Check the website of the center. This is the website of a legitimate abortion provider. This is the website of a CPC. Note the difference in terminology; the use of the (medically inaccurate) term “unborn baby” is a huge red flag. Note, too, the discussion of “serious side effects and risks” - without context, without any discussion of the profound rarity of serious complications, and designed to scare the person reading it.

-Worst case scenario? Message me and ask; I’d be happy to look into it.

What kind of bullshit can CPCs pull? Allow me to elaborate.

-I had a prenatal patient who was a rape survivor who initially wanted abortion but was scared out of it by a CPC that promised to offer her material assistance if she continued the pregnancy. She did so, and after she gave birth, returned to the CPC asking for their help. They gave here a six-pack of diapers in a size her child could not even use plus a onesie that said “My Mommy Chose Life” on it. That was it. When she returned asking for additional assistance, she was refused.

-I was doing a pre-abortion ultrasound on a patient. After I assured her we were fine to proceed with her abortion, she asked me, “so, it’s a boy, right?” She was only six weeks pregnant; the absolute earliest I’ve been able to identify fetal sex on an ultrasound is about fourteen weeks. I told her it was far too early for that to be determined, that embryos don’t even have external genitalia at where she was in the pregnancy; she told me she’d gone to a CPC where they flipped the screen around and showed her the ultrasound and told her “that’s your son.”

-I was doing a pre-abortion ultrasound on a (different) patient. She requested to see the image, so after I got the measurements I needed, I turned the screen so she could see. She immediately panicked: “Where are its arms and legs?!” I explained that, at nine weeks, limb development is only rudimentary; arms and legs are rarely, if ever, identifiable on ultrasound. She told me she went to a CPC and was shown an image of a fetus with formed long bones that was moving on-screen - based on her description, it sounded like a 12+ week fetus.

-I mentioned above that a CPC is backing many of the protesters that stand outside our clinic every day and hurl abuse at my patients. They have a “mobile pregnancy van” that they park on the curb outside the clinic to try to lure patients inside. I am told that, inside, there is an ultrasound machine and a Catholic priest. At least four of my patients have been late to their appointments because they were confused by the presence of the van, went inside, and then were not allowed to leave, to the point of someone physically barricading the doors. (Which I think meets the legal definition of kidnapping, but none of my patients wanted to call the police - understandably so.)

-A CPC once learned where I lived (when I lived elsewhere) and I had literature about going to hell and blood on my hands and “we can help you escape!” (from working in abortion care) in my mailbox and on my car every goddamn day for two months until I involved law enforcement.

-A recent patient of mine went to a CPC. She had STI screening while she was there, which came back positive for chlamydia. The CPC refused to actually treat her. (I guess they thought it was just desserts for having sex…?) We had to treat her ourselves before her abortion.

-I have seen three patients told by a CPC they were pregnant when they were not. I have seen two patients told by a CPC that they had normal pregnancies, including an embryo/fetus with cardiac activity on ultrasound, who in reality had had, or were actively having, miscarriages. I have seen one patient told by a CPC that she had a normal pregnancy including an embryo with cardiac activity on ultrasound whose pregnancy was actually ectopic, requiring emergency surgery to save the patient’s life.

-There is also this excerpt from the phenomenal This Common Secret, a book written by Susan Wicklund, a now-retired abortion provider:

I had a patient in the clinic who really did not want an abortion but who had no resources to cover the costs of prenatal care or childbirth. She was single and without insurance coverage but made just enough money to be ineligible for state assistance. She already had outstanding bills at the hospital and with the local ob-gyn practice. No doctor would see her without payment up front.

We were willing to do the abortion for a reduced rate or for free if necessary. But she really didn’t want an abortion. Once I understood her situation, I went to the phone and called the local ‘crisis pregnancy center.’

“Hello, this is Dr. Wicklund.”

Dead silence. I might as well have said I was Satan.

“Hello?” I said again. “This is Dr. Wicklund.”

“Hello,” very tentatively, followed by another long silence.

“I need help with a patient,” I said. She came to me for an abortion, but really doesn’t want one. What she really needs is someone to do her prenatal care and birth for free.“

“What do you expect us to do?”

I let that hang for a minute.

Kinda says it all, doesn’t it?

Tl;dr - crisis pregnancy centers are fucking terrible businesses that are founded in their entirety on lying to people for the benefit of their own agenda. They do not provide legitimate medical care, they do not provide abortions, they do not provide prenatal care, they do not facilitate legal adoptions, they do not provide contraception, they do not do jack shit, other than shaming and lying to people. Under no circumstances should anyone ever be forced to encounter a CPC, but it can be very tricky to tell whether or not you’re dealing with one. I hope this helps clarify how you might try.

By all means, if you have other questions, please ask them. I will talk about this subject until I’m blue in the face.

[beatricetate89-blog]

auto insurance for 18 year olds

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auto insurance for 18 year olds

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How 18 year old drivers can save money on car insurance rates. According to , in some states, a teenager can earn up to $14k/mo more per year with lower car insurance rates. According to , in certain states, a 24-year-old can earn up to approximately $12k/year in savings. As a result, these prices don’t reflect car insurance prices for 18-year-olds, but for 18-year-old drivers, a higher saving can be attained. As more and more men and women buy homes, car insurance rates increase. This is because older men are more likely to get into accidents, and the younger you are, the less likely you are to be involved in an accident. This means that the insurance costs of a 24-year-old male or male-age male will be less than a similar insurance price for a 40-year-old driver. Car insurance for women generally has a lower car insurance policy than for men. For example, insurance quotes for.

Home & Renters Insurance

Home & Renters Insurance Cost & Savings - - - - - $6,000 + $1,500 - $2,000 The rental company is responsible for the insurance costs, including transportation charges for the vehicle. Renters insurance is generally paid by deposit and must be paid in a minimum of 5-10 business days after arrival to the rental agency. This also includes the cost of other items and items not covered by the insurance policy. - $30 –  —$40 per day - $40 – $60 per day -$60 – $120 per day - $60 – $130 per day If you are not sure of a different value (and thus can feel less expensive if your personal insurance policy doesn t cover your costs) then you may contact your insurance company, but only about five to 10 days can you use your rental car. The insurance policy for the rental car will cover.

Cheapest car insurance for 18 year old drivers

Cheapest car insurance for 18 year old drivers in Florida These insurers are great starting points, and they are cheap when you’re 18+. But they can also offer great car insurance prices by having lower rates among 18 year old male drivers. Cheapest for young drivers in Florida For 18 year old drivers, here are the cheapest companies, ranked by their annual driving score: Travelers: $1,966 per year. Geico: $2,079 per year. Progressive: $2,156 per year. Carol & Scott: $2,366 per year. After a terrible first accident, a teenager’s craving for car insurance has more than convinced the insurance giant to provide a younger customer another shot. Now, that craving may have been stitched into one of Florida’s cheapest car insurance companies. These 18-year-old drivers are fond of AstroTurret sports car, the cheapest car insurance premium available in most areas of the state..

Cost of Car Insurance for an 18 Year Old

Cost of Car Insurance for an 18 Year Old In terms of car insurance for an 18 year old, New Jersey’s average cost for car insurance under this age is $2,878 per year. For 18 year olds in New Jersey, New Jersey’s average car insurance premium is $3,094, which is $130 less than the average overall premium in the state. How much does car insurance for an 18-year old cost in New Jersey? Car insurance costs an 18-year old in New Jersey an average of $2,878 per year for $100,000 in coverage. The state’s average premium is $2,878 per year, which is over $700 more than the national average. Is car insurance less expensive for 18-year-old drivers than for established drivers? The state’s average cost for insurance for a young man and woman is $2,974 per year, while the state s average is $3,094.

Best Maine Car Insurance Companies 2020

Best Maine Car Insurance Companies 2020 Monthly Market From Business: A leading insurance companies based in Boston and Massachusetts. We represent many of the nation’s most financially sound and trusted insurance carriers, and we know what to expect in the eyes of the car insurance customer. “We have been providing my clients with top quality service for decades.” I’ll consider my options for  and I’ve only been with this company once. My car insurance plan was with C.B. for a year and had nothing but the best prices on insurance. It was not my fault but I didn’t feel good that they charged more money for insurance than other cars. I tried to explain it and the response back was unhelpful as I knew they paid more money than expected from a car. I called C.B. for a day and it was the same.

Auto Insurance

Auto Insurance Guide for Farmers Insurance. The state of Wisconsin is divided into two state capitals, and it’s important to know the basics of car insurance (if there’d be one). So, how do they each work? It depends on which city you’re living in. This also depends on whether they offer tax breaks and discounts, or subsidies. So, stay tuned. So, do car insurance subsidies go into state level subsidies? In many states you can use your state’s auto insurance subsidies to lower your premium. Your subsidies will not go in one of those 2 different states. But, your taxes will go directly to the insurance company. The ACA doesn’t apply when it comes to subsidies, and you don’t have to pay a premium for a subsidy. Most states automatically award subsidies based on your income. This means that states don’t have no-fault laws that require an insurance company to raise a family wage to cover the costs.

What do your previous driving record and insurance history look like?

What do your previous driving record and insurance history look like? What are your driving and insurance history looks like? The insurance company will ask for this information as required by state law in order to determine if you’ve been convicted of driving without insurance. This can also be seen by DMV when you or your parent is found to be driving without insurance. This could also be seen when they cancel your auto policy. An SR-22 can be issued by your state’s DMV. It is an alternative to auto insurance if you have been convicted of driving without insurance because you were illegally involved in an automobile accident without insurance. This can be beneficial to your creditors. An SR-22 can be issued by your state’s DMV and can include an SR-22 form, proof of future financial responsibility, and a statement from your insurance company stating that you will be filing the SR-22. The SR-22 must be filed and filed for a period of three years after the suspension was lifted. It must be filed for the duration of 90 days.

Life Insurance

Life Insurance Company and is an independent member of The General Group of Companies.  For the latest Insurance Information Forum...  Stay updated with our latest information on the benefits of buying life insurance . Get affordable and reliable term life insurance quotes online. . You’ll receive a quick online quote and have access to quotes for the type of policy you’re looking for. Plus your life insurance policy will be automatically and legally binding (as outlined below). There’s no pressure, no obligation, and no rush. You won t have to go through the process again. Just like a driver’s license, your home or car insurance policy will have certain details that you need to meet to receive coverage and help with your policy. These details can include the property of your home, the person driving it, your medical coverage needs, and the policy number of each policyholder. The best way to meet your insurance policy’s.

More On Insurance:

More On Insurance: Our friends and family enjoy driving with us and being associated with good driving practices. Our cars are made by Auto-Owners in the United States. We offer both regular and optional insurance coverages, with various extras like additional safe driving and comprehensive car parts. We can also shop and pay online for your coverage, so you can be sure each car is covered by a great deal and what’s going on with it. Our friendly family members and friendly service is what counts for it. If you’re looking for a way to get the cheapest car insurance price just by using an insurance provider that’s been serving you for over 120 years, it’s time to start comparing quotes for your own vehicle and auto insurance. Auto insurance rates can vary based on a variety of factors, but if you’re looking for the cheapest rates for just the one or some of your auto insurance, you should look into comparing prices on different carriers. This can save you a.

Cheapest car insurance in Ohio 2020

Cheapest car insurance in Ohio 2020 Best rate after deducting deductible for first time insurance company? Average annual cost for cheapest insurance company in Ohio $1,412 The cheapest Ohio insurer after $4K deductible is State Farm. They cover 24/7 telematics at the request of paying a deductible? Average annual cost for cheapest insurance company in Ohio $1,412. The cheapest insurer after a deductible of $4K is Avisoft. They can bill your credit at the beginning of your policy for up to 20% of the car’s pre-tax value. Average annual price of cheapest Ohio car insurance, with deductible of $200. They have an average annual premium of $1,560. Can a driver from Ohio drive into Ohio cost $2,570 a year? We used general assessment tests to determine annual rates in Ohio. We averaged rates for the 20 largest insurers of 2020 which have coverage levels from 30% to 50% in Ohio. You can see where we’ve got you covered below.

[driggarssaleha]

can i buy life insurance for my parents

BEST ANSWER: Try this site where you can compare quotes from different companies :insurecostfinder.top

can i buy life insurance for my parents

can i buy life insurance for my parents as it was the only insurance policy i saw for my dad he was in college. The first thing is we dont have a car, dont have any life insurance. Our car is not worth much to insure. Secondly, i just want to pay for the burial life insurance plan and my parents are worried about their future son. We live in the state of Ohio and our father is currently in the hospital due to heart surgery a few weeks ago. We dont want to spend a ton of money on his funeral cost and don t want to make the effort to pay for his burial services. Do you want to go the funeral insurance plan? I just wanted a way to take care of my parents funeral expenses. It is a complicated process, trying to balance the funeral, the burial, and the burial insurance plan. I just want to know if i could get life insurance for my mother that is 22 or older. She doesnt have a home and we dont want to pay for her funeral or anything. Thank. can i buy life insurance for my parents to protect me or my wife from a terrible tragedy? Any ideas? Thank you very much!! An agent for a life insurance company tells me to call your local agent, wait for the agent to call and ask about life insurance. I am waiting for my term to end, what should I do right now to find a way to get life insurance on my dad’s parents?? I don’t think life insurance should ever be prescribed as medication but my boyfriend always prescred some life insurance on himself and I at least tried but when I tried it made me question the purpose we are talking about, so to prevent things like this happening, I will be contacting the company before buying anything. My boyfriend only talked about life insurance on himself. I haven’t checked. He mentioned it about 12 months ago it even on him and I have a prescription that has expired but it has expired and he used it even on me. I’m the oldest but my father is only a. can i buy life insurance for my parents as of am 50 yrs old and i live in . I do have health insurance but my parents did not have good health insurance. they i live in CA and if i got help a call me the insurance company would help pay for my parents health insurance and i hope they can help me. Any help is greatly appreciated. Hi, I have a question. My boyfriends insurance has started on 3/18 but would I pay for it? He is a 30 yrs old man, so will my friends insurance be for about 3 months and i want to go to college. Any ideas on what will that cost? I’m in my fifties or sixties (age) which means he may live to be 67. I want him to know I am planning on leaving early and i want his name, insurance info and company name. My wife lives in the same house as son. She has a different husband. Will they be willing to help us. I need.

Why Consider Getting Life Insurance On a Parent?

Why Consider Getting Life Insurance On a Parent? There are several different reasons for getting life insurance on a parent. If a child is married, one often involves a and/or children buying life insurance. It is important to consider both pros and cons of buying life insurance. If a parent is buying life insurance on a child, the parent with the oldest child may have to pay the premiums on the policy first then use all of the proceeds to help cover the premiums. There are two major pros to getting life insurance on a child under 21 years old. Both of these will make sure that the parent isn’t forced to take care of the child on the market. Both parents will need to take steps to ensure that the life insurance is an easy process. Most life insurance companies won’t issue a policy to a minor or minor child under the age of 17. You likely won’t need to take any actions to help ensure your child is financially safe. Both parents will need to take out a policy with a name and.

Finding the best life insurance quotes.

Finding the best life insurance quotes. Your life insurance quotes are always free. Tim is a licensed life insurance agent with 23 years of experience helping people protect their families and businesses with term life insurance. He writes and creates stuff for QuickQuote and other insurance and financial websites. You can find him on Twitter. : We strive to help you make confident life insurance decisions. Comparison shopping should be easy. We partner with top life insurance providers. This doesn’t influence our content. Our opinions are our own. : We are a free online resource for anyone interested in learning more about life insurance. Our goal is to be an objective, third-party resource for everything life insurance and investment related. We update our site regularly, and all content is reviewed by life insurance experts. Compare your life insurance policy at the click of the button to speak with a licensed insurance agent. As you consider your life insurance needs, consider as your first choice when shopping for your policy. Compare your plan.

How much life insurance to buy

How much life insurance to buy? In many cases, it’s easier to get a policy after high school and finish college. The life insurance policies you get help with your death. They work similarly to a funeral. Your loved ones are best left with the money they receive from their insurance company for all their debt and funeral expenses. Life insurance and funeral policies are two different business models: They do not require a medical exam for coverage. With funeral products, any medical exam is usually required. You must be extremely grateful for the life insurance policy. You buy the policy at the rate you need to get by to avoid the high cost of insurance you may not qualify for if you make the same mistake. As long as it’s not a costly one, it can really help you get the life insurance policy for your spouse, children, etc. You can be forgiven for thinking that “it could be easier not to buy it”. The truth is that it depends on your individual health situation. If you.

How to Get a Life Insurance Policy Issued

How to Get a Life Insurance Policy Issued. for policies that issue the policy. If you don’t think you will need life insurance in the future and the cost of insurance would be an issue, we can provide you with a free life insurance quote. Our experts compare life insurance companies and choose the one that best suits your individual circumstances and life needs. We ll find coverage that will give you peace of mind and affordable coverage for your loved ones, no matter what. Whether you need immediate life insurance protection or you want a large policy that covers you for a few decades, we will work with you to get you the coverage you need and the price you want. We can explain all of the possible terms along with our quote in order to give you a quick understanding about your needs. For those looking to purchase life insurance in a few years, there are three different approaches to do just that: No upfront and no insurance discounts; First-quarter payment. There are no premiums for the first six weeks up to 30% after their.

How life insurance is priced

How life insurance is priced? For every dollar dollars spent on life insurance, insurance company premiums are going up. Every single company, every year, has put more money in premiums. What happens to your life insurance premiums? One of the companies with the cheapest life insurance, will take away the higher risk factor so to put away money and take the lower risk factor will be the insurance company will take only the amount you deserve. A company that will be happy to take your money and lower its premium. What happens to your life insurance? What if you have a long-term condition like cancer? If I get cancer, can I buy life insurance? You want your insurance to be able to protect you and your family from the worst possible situations and make your children and loved ones happy. There are a lot of factors to consider as well if your plan is to buy a life insurance policy. Many of the factors that insurance companies look at for determining your policy type include: You have a certain amount of money that you would want.

Why both parents need life insurance

Why both parents need life insurance and both of them should get it. I would imagine that if there is a life insurance policy by American Family that would work the best for you or one that would work well for your kids. You could start by figuring out what kind of policy, if any can be converted or even expanded with a baby or other child. A.M. Best is the financial strength rating agency that assesses a company’s long-term stability. It assigns a score between one and five stars that reflects the company’s ability to meet its policy and financial obligations, as well as its financial strength. We think A.M. Best is a good company, particularly for students and drivers who need strong, lasting customer support. American Family is the second largest family-run general agency out of the companies it business of managing. The company has approximately $1.85 billion in assets under management and approximately 13% of general agency assets. It manages hundreds.

Types of life insurance

Types of life insurance coverage – In many states, it is mandatory for pregnant women to carry certain types of coverage. Here is a list of the coverage levels that women in the following states (in some cases) can choose to purchase: In addition to pregnancy coverage, some policies also provide a waiting period. In many states, waiting periods start before you apply, and often last two, six months. In some states, waiting periods are long, but they usually last three to five years. Life insurance should also be an add-on if not purchased separately. For example the Affordable Care Act made insurance an optional coverage for anyone who lives with a chronic illness. However, insurance cannot be added to the wife who is insured as a dependent or daughter who falls under a parent’s policy. If a married couple were to lose their mortgage, health insurance is a way to save on the mortgage while also avoiding the mortgage. The cost of life insurance is dependent on various factors. That includes the death of a loved one.

Taking Out Life Insurance on Parents?

Taking Out Life Insurance on Parents? The law in Texas requires the insurance company to insure the age of all individuals who are legally responsible parents. As an individual, you can choose between a 20 year term life insurance policy or a 30 year term to age 70 policy. We recommend a term life insurance policy. The premium is $250,000, with the premium amount being reduced to less than $15 per month, as each insurance provider is different. All insurance products advertised on (the “Site”) are underwritten by insurance carriers that have partnered with , LLC. , LLC may receive compensation from an insurer or other intermediary in connection with your engagement with the website and/or the sale of insurance to you. All decisions regarding any insurance products, including approval for coverage, premium, commissions and fees, will be made solely by the insurer underwriting the insurance under the insurer’s then-current criteria. All insurance products are governed by the terms, conditions, limitations and.

Can You Buy Life Insurance on Your Parents Without them Knowing?

Can You Buy Life Insurance on Your Parents Without them Knowing? If your parents’ coverage expires or lapses, can your parents buy coverage on them without the coverage? It’s not possible. The uninsured or underinsured is what causes a person to need life insurance. If you’re unable to buy coverage on your parents, it’s because they either aren’t insured or if they are over the age of 50. If someone was hurt in the incident or their only means to secure financial protection was to die before the term was up or no longer covered, the cause of death could be long term social and emotional devastation. Most insurance companies will not automatically offer a life insurance policy to the following people listed on the insurance policy: If someone has mental or behavioral issues, you won’t find the coverage you’re looking for but you can still get a policy if: You can buy life insurance if you were diagnosed with a terminal illness, and the policy’s death benefit could not cover.

Life Insurance and Insurable Interest

Life Insurance and Insurable Interest is not transferable. Please contact us to view coverage options and contact a customer service representative for assistance. Compare quotes from the top insurance companies and save! Eric Stauffer is a former insurance agent and banker turned consumer advocate. His priority is to help educate individuals and businesses about the different types of insurance they need, and assist them in finding the best... : We strive to help you make confident insurance decisions. Comparison shopping should be easy. We partner with top insurance providers. This doesn t influence our content. Our opinions are our own. : We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts. Compare Insurance Quotes Insurance Type Auto Home Life Medicare Health Get Quotes Secured with.

[96thdayofrage]

9 Terrible Things Trump Has Done in Just a Week

It’s been just seven days since Donald Trump took office. While the media spent most of that time spilling digital ink over inauguration numbers, the new administration was diminishing women’s health and safety around the world, chipping away at health care for millions of Americans and pouring money that could feed and insure children into a useless garbage heap along the border. It was a bad week for politics and decency, which have always been on frigid terms, but are now dead to each other.

There were other things, too. Trump threatened Chicago with martial law on what he thought was a double-dog dare from fellow racist Bill O’Reilly. He promised to install monitors—glorified tattletales, really—to oversee federal agencies and report back to brass at the White House. After again trotting out the lie about immigrants and dead people voting, Trump promised an investigation into the widely debunked issue of election fraud (though not into Russian election meddling), which should start with his own family and staff. Speaking of Steve Bannon, the grand wizard of the so-called alt-right and White House senior adviser continued the Trump team’s cynical campaign to keep their base paranoid, uninformed and stupid by pretending their boss is a victim of the press. Newsweek discovered Bannon, Kellyanne Conway, Sean Spicer and Jared Kushner all have email accounts on a private system. And as the final, delusional cherry on the poisonous cake, Trump compared himself to Abraham Lincoln.

He also signed a bunch of executive orders. Far more important than all the background noise is the authoritarian craziness that Trump is codifying into law. These plans and policies will wreak irreparable havoc and damage, causing suffering and pain to millions in the U.S. and beyond. Remember—this is just seven days' worth of destruction. We've got four more years of this.

Here's 9 terrible things Trump did in just seven days.

1. Greenlit the Dakota Access and Keystone pipelines.

On Tuesday, Trump signed three executive orders to benefit oil pipelines and remove Obama environmental protections. The Dakota Access memorandum notes the pipeline is “90 percent complete,” and seeks to expedite approvals for permits to “construct and operate the DAPL, including easements or rights-of-way to cross Federal areas.” The Keystone order invites “TransCanada Keystone Pipeline to promptly re-submit its application to the Department of State” for fast-tracked approval within 60 days. Trump also signed an order demanding that the Secretary of Commerce devise a plan ensuring all pipelines are constructed using U.S. iron and steel. There are outstanding questions about what the orders will actually mean, since they mandate quick turnarounds on approvals but include no actual directives about resuming construction.

It’s worth pointing out here that Trump, who has refused to divest of his many business conflicts, has been an investor in one pipeline and may still have holdings in the other. As Huffington Post writer Michael McLaughlin notes:

In May 2015, according to campaign disclosure reports, Trump owned between $500,000 and $1 million worth of shares of Energy Transfer Partners, the pipeline’s lead developer, but had less than $50,000 invested when he sold off the remainder of his shares this summer, according to The Washington Post. As of last May, Trump had at least $100,000 invested in Phillips 66, which owns a quarter of the oil line, according to the AP.  

Kelcy Warren, head of DAPL builder Energy Transfer Partners, donated more than $100,000 to various Trump supporting entities over the course of the presidential campaign. Though Trump reportedly sold off his ETP holdings last year, other investors were surely heartened by the executive action. Fortune reports that one day after the memorandum was signed, shares of the company were moving precipitously upward.

2. Reinstated the anti-abortion global 'gag rule,' which will increase the number of unsafe abortions around the world.

The Helms Amendment has outlawed the use of U.S. foreign aid dollars to fund abortion services to women since the early 1970s. That is not enough to appease the rabid anti-reproductive justice movement in this country, which won’t be satisfied until it threatens the health of every woman around the world. Hence Trump’s signing of an order that brings back Ronald Reagan’s 1984 Mexico City Policy—last in effect during the Bush 43 era—which bans U.S. support to foreign organizations that offer abortion or abortion counseling to women. Essentially, the U.S. will now tell foreign organizations it helps support in even the smallest of ways how to spend their own money. As Planned Parenthood head Cecile Richards explains:

This means that if a clinic receives even $1 of U.S. foreign assistance for family planning, its doctors and nurses are limited in what they can do to help their patients. They can’t counsel a woman on the full range of health options legally available to her, refer her to another provider for specialized care or even give her a pamphlet with medically accurate information. That’s why we call it the global gag rule, because it prevents doctors from talking to their patients and providing services that are legal in their own countries—and in the U.S.—and it keeps people from participating in the democratic process of their own countries. This means clinics closing their doors, more unintended pregnancies and more unsafe abortion.

It also means that potentially billions of dollars will be withheld with organizations doing lifesaving medical research and other work beyond U.S. borders. Vox notes that the Trump order expands on the amount of affected funding by 15 times:

According to the Kaiser Family Foundation, a nonprofit organization focused on health issues, the policy will now apply to aid money coming not just from the US Agency for International Development (USAID), as before, but also from the Centers for Disease Control and Prevention (CDC), the Department of Health and Human Services, the National Institutes of Health (NIH), the Food and Drug Administration (FDA), and even to Peace Corps volunteers working on family planning in the field.

3. Scrapped a money-saving fee cut for new homeowners.

The very first post-inaugural move Trump made was signing an executive order voiding President Obama’s mortgage cost reduction. The .25 percent cut to federal mortgage insurance, set to take effect today, would have saved new homeowners roughly $500 a year. The rate drop would have benefited first-time and lower-income home buyers with Federal Housing Authority-backed mortgage loans. For a self-proclaimed warrior for the middle class, it’s a seemingly contradictory first action to take, unless said warrior is also a pathological liar, in which case it makes total sense.

4. Froze federal hires.

On Monday, Trump ordered a hiring freeze on most government workers. The memorandum states that “no vacant positions existing at noon on January 22, 2017, may be filled and no new positions may be created,” with exceptions for military, public safety and national security personnel. The order cuts off positions for thousands of highly skilled scientists, engineers and nurses—who are not exempt under the “public safety” clause—many of whom are actually indispensable to the stated goals of the Trump administration. The order also places a burden on job-seeking veterans, who represent 30 percent of federal workers and are given preferential treatment in government hiring, according to Military.com. Vets who were already in process toward being hired for a federal position will no longer be up for those roles. The site also notes, "the hiring freeze would apply to the VA, which had been seeking to bring on 2,000 new employees to help clear up appointment backlogs and improve care.” More than half a million veterans already endure month-long waits for attention at the agency.

“President Trump’s action will disrupt government programs and services that benefit everyone and actually increase taxpayer costs by forcing agencies to hire more expensive contractors to do work that civilian government employees are already doing for far less,” David Cox Sr., president of the American Federation of Government Employees, told the Washington Post. “This hiring freeze will mean longer lines at Social Security offices, fewer workplace safety inspections, less oversight of environmental polluters, and greater risk to our nation’s food supply and clean water systems.”

5. Began plans to build the big, stupid wall and other nods to his base of anti-immigrant hysterics.

Citing “alternative facts” not worth repeating about Mexican immigration, Trump’s “Border Security” executive order states that Congress will allot federal funds—that’s “taxpayer dollars” in plainspeak—for the “immediate construction” of a southern border wall. It includes plans to increase the number of border patrol agents by 5,000 and construct more detention facilities, and outlines a broad crackdown on immigrants who cross the southern border.

Paul Ryan, who is apparently confused about what the term “fiscal conservative” means, says Congress will pony up the $10-$15 billion it does not have for children and veterans’ health care or welfare to build Trump’s completely useless monstrosity. The entire Republican Party is still peddling the lie that Mexico will pay as soon as it receives the invoice for the wall order, though Mexican president Enrique Peña Nieto again dismissed that insane, illogical idea on Wednesday. On Thursday, Nieto canceled a meeting with Trump.

6. Targeted sanctuary cities.

In a separate order, Trump takes aim at sanctuary cities, banning federal funds to jurisdictions that “willfully violate Federal law in an attempt to shield aliens from removal from the United States.” As activist and policy analyst Samuel Sinyangwe notes on Twitter, the State Homeland Security Program, Urban Area Security Initiative and Department of Homeland Security collectively provide $275 million to New York City each year in federal anti-terrorism funds that would be cut under Trump’s new action.

For an added touch of useless pettiness, Trump’s order includes an attempt at public shaming in Section 8b, which states the administration will “make public a comprehensive [weekly] list of criminal actions committed by aliens and any jurisdiction that ignored or otherwise failed to honor any detainers with respect to such aliens.” The next time you wonder how government is wasting time and money, remember that your tax dollars (but not Trump’s, because he reportedly doesn’t pay taxes) are funding junk like this.

7. Started dismantling the Affordable Care Act.

In an order purporting to “minimize the economic burden” of the ACA, Trump instructs the Secretary of Health and Human Services and heads of other departments to “waive, defer, grant exemptions from [and] delay” requirements of the Obamacare law. Because of the lack of preciseness in the order, experts were unable to pin down precisely how and when changes would start to take effect. There’s also the fact that Republicans, despite dozens of attempts to repeal the plan and years of time to brainstorm, have offered neither a replacement plan nor concrete strategy for its implementation.

"The order could affect virtually anything in the law, provided it is couched as a delay in implementing the law," Stuart Butler, of the Brookings Institution, told Reuters.

Robert Laszewski, head of Health Policy and Strategy Associates, has spoken and written about the problems with Obamacare over the years. Despite recognizing the plan's imperfections, Laszewski believes Trump and the GOP’s actions on health care will harm millions of ACA subscribers.

“Instead of sending a signal that there’s going to be an orderly transition, they’ve sent a signal that it’s going to be a disorderly transition,” Laszewski told the Washington Post. “How does the Trump administration think this is not going to make the situation worse?”

8. Demanded half-assed environmental reviews so development can proceed, consequences be damned.

“Too often, infrastructure projects in the United States have been routinely and excessively delayed by agency processes and procedures,” the executive order expediting environmental reviews and approvals reads. “These delays have increased project costs and blocked the American people from the full benefits of increased infrastructure investments, which are important to allowing Americans to compete and win on the world economic stage.”

To keep pesky things like clean air and water quality concerns from getting in the way of quick and dirty major infrastructure developments, Trump’s executive order will “streamline and expedite...environmental reviews and approvals for all infrastructure projects."

The order directs the chairman of the White House Council on Environmental Quality to make a decision within 30 days on “high priority” projects such as “port facilities, airports, pipelines, bridges, and highways.” All things that are utterly useless if we all sicken and die from drinking polluted water or breathing toxic air.

Once again, predicting how this will all shake out is difficult. “It remained unclear how Trump’s order would expedite those environmental reviews,” Steven Mufson and Juliet Eilperin write at the Washington Post. “Many are statutory and the legislation that created them cannot be swept aside by an executive order.”

9. Put gag orders on multiple government agencies and removed vital internet content.

Staffers at the Environmental Protection Agency, Department of Transportation, Interior Department, National Institutes of Health, Department of Agriculture, Health and Human Services (which includes the CDC and Food and Drug Administration) and other agencies were reportedly told not to speak to the press or provide information to the public for an indefinite period. New projects were also halted at a number of agencies.

The EPA was instructed by the Trump administration to take down its website page on climate change, according to a Reuters report. There were reports that the Trump team would be reviewing previous EPA studies and numbers, and also embargoing new studies pending review. Those steps follow the Trump transition team’s request that the Energy Department fork over the names of staff who worked on climate change issues. The team also asked the State Department for a list of positions and programs aimed at achieving gender equality.

That effectively muzzles agencies concerned with science, health, the environment, medicine and food. Essentially, everything critical to human survival.

Perhaps bowing to public outcry, USDA officials reportedly rescinded the gag order on Tuesday. There were reports of agencies going rogue, like these supposed unauthorized Twitter accounts of federal science workers, or the now offline but cached at the @WhiteHouseLeaks account. There was also the Badlands National Park Twitter, which for a few hours rebelliously tweeted climate change facts.

In the minutes after Trump's inauguration, pages dedicated to civil rights, climate change, LGBT rights, and health care disappeared from the White House website. Spanish language pages were also removed, while a page titled “Standing Up For Our Law Enforcement Community” was newly added. “The Trump Administration will be a law and order administration,” the page reads. “The dangerous anti-police atmosphere in America is wrong.”

[tysonumcn084]

Small Room Ideas For Living Spaces Explained in Instagram Photos

The initial consultation is for the benefit of both you and the attorney. While you are choosing whether or not you want to hire that particular attorney, the attorney is taking a look at the case and deciding if it is a case he or she wants to handle.

In addition, you do not only require an injury legal representative who excels in accident law. You likewise need someone who completely comprehends the jurisdiction of your region. Also, you must ask yourself this question prior to working with an injury legal representative-- Are you comfortable with that lawyer and are you positive in his capabilities? If the response is anything other than a resounding "yes," you should keep looking. Your case is too important to entrust to somebody who does not inspire your confidence.

With the attorney around, you can easily accomplish the types required for litigation. You will have an efficient guide while you're still in the claiming procedure. Aside from the attorney's services mentioned, you can also be encouraged by your legal representative if your particular case is entitled to a claim or not.

Often times, when people are associated with personal injury cases, they do not seek the guidance of personal injury attorneys for worry that doing so will be too costly and complex. As you all might understand, filing a case and the whole court procedures is so stressful and worst, they cost you lots of money. These have ended up being the major disadvantages of injury cases. However the good thing these days-- there are a great deal of law office at present that alleviate those worries right away. And, getting the services of injury lawyers has already end up being a simple and easy job.

A traveler involved in an accident in almost all scenarios can bring a successful accident settlement claims for damages where they have suffered injuries. Travelers are usually regarded as blameless casualties who have actually suffered as a result of someone else's negligence. Nevertheless, failure to comply with the law relating to the using of safety belt might affect the level of damages obtained in any award.

Although slips and falls can frequently be the reason for some of the most painful injuries, if you were to some degree responsible for causing your injuries, it is not likely that you will have the ability to make an accident payment claim.

With the right personal injury attorneys arguing for your case in court, you are guaranteed that all your rights have actually been thought about, and any offense to such, will be appropriately provided and shown in court. They will have the ability to construct a strong case for you, and with the proofs offered to prove your claims, you may simply get the justice you have actually been longing for.

It is advisable that when you had yourself injured, or you had an accident, you need to immediately seek advice from a legal representative to understand the benefits you have for a case. Certainly, getting the services of accident lawyers to direct you on the steps to take would be a smart thing to do. Submitting a formal complaint the soonest you can, will accelerate things up, and will offer the impression of a genuine cause of action on your part.

Wondering exactly what to do when you have been in a mishap, a slip and fall, or a work environment injury? If you have actually currently talked to in insurance coverage company for your insurer, it might be time to consider an injury attorney.

Referrals can be great if you know somebody in the legal neighborhood. But if not, the best you will leave a referral is a sort of 'he or she isn't inept.' Due to the fact that let's face it, many clients have no concept whether the settlement they received was in truth the very best they could have.

Injury cases can consist of Car Mishaps, Defamation of Character, Item Defects and Medical Malpractice to name simply a few. In order to make sure if your injury case has validity in the eyes of the law, get in touch with an attorney in your state.

Pick an accident attorney experienced in handling insurance provider. Insurance provider legal representatives represent most personal injury case defendants. These business lawyers seek to pay out the least amount possible, so an unskilled accident legal representative might be at a downside in these negotiations. Therefore, selecting a personal injury legal representative with a tested performance history of successful negotiations is essential.

We’ve all seen the ads for an accident attorney on tv, on billboards and in papers, however when should we think about speaking with accident attorneys? A personal injury claim can be made when a person suffers an injury through the negligence of another individual. Neglect is when an individual's actions are deemed to put another person in unreasonable threat. If this negligence causes a mishap then there is a case for a personal injury claim.

Families and friends can be impacted too, the psychological distress for them being practically as terrible as it is for you. You may require short- or even long-lasting care. Not all injuries are short-term. Many people who dealt with products which contain asbestos in the 20th century have actually established lung cancer or mesothelioma. These are both very severe health problems that can have negative affects throughout life and potentially cause death.

And keep in mind that utilizing a small-claims court can be a viable alternative to using an attorney in specific injury cases, but it is still a smart idea to speak with an attorney first to see if that is best course of action for you to take with your specific case.

When you begin looking for accident legal representatives in your location, don't randomly choose names from ads that stretch the truth. Take advantage of matching Living Room Furniture Ideas For Small Spaces services and make sure that your requirements are going to be satisfied. When you discover the very best possible resource for injury attorneys, you will have a greater possibility of turning a bad situation into one that you can manage. Take simply a little time and try using among these services. You'll never ever know, you may Red Table Lamps For Living Room not have to go any further to discover the most qualified counsel for your legal requirements!

With the attorney around, you can easily achieve the types needed for litigation. You will have an effective guide while you're still in the declaring procedure. Aside from the attorney's services mentioned, you can likewise be encouraged by your lawyer if your specific case is entitled to a claim or not.

Certainly, a skilled counsel is so crucial in an injury case. So, if you've been involved in such case, don't think twice, go out, discover the accident legal representative to be your partner in your quest for justice, and take pleasure in the services that he offers you.

Road traffic mishaps represent a large proportion of all accidents and injury payment claims. Motorists of lorries are required to have some level of insurance coverage cover. These policies offer security for anyone (including members of the exact same household) who might be associated with a mishap, who suffer personal injury as a result of the driver's negligence and may have to position an injury payment claim whether the chauffeur's negligence has actually resulted in a police prosecution. If it is found that an irresponsible chauffeur had insufficient or no insurance at the time of the mishap, you may still have the ability to bring a personal injury compensation claim.

It is recommended that when you had yourself injured, or you had an accident, you ought to right away seek advice from a legal representative to understand the merits you have for a case. Absolutely, getting the services of personal injury lawyers to guide you on the steps to take would be a wise thing to do. Submitting a formal complaint the soonest you can, will quicken things up, and will offer the impression of a real cause of action on your part.

Now, when you are convinced that you need an injury lawyer, you need to put forth the effort of very first finding the ideal person for your case. Here are a few ideas on picking the ideal attorney for you.

Without a certified, experienced injury attorney, their possibilities of receiving fair settlement plummet. That's why it's actually important that, if you have actually been a victim of injury, you select the ideal injury legal representative to represent you. Here are a few things to think about when making your choice.

If you have actually been associated with an accident, the first thing you should do is call an accident attorney; they will be able to recommend you whether you have a right to an accident claim or not. These consultations are usually free and frequently a personal injury lawyer will not take any cash unless they win the claim.

Law Firm of S. Craig Glickman

4925 Greenville Ave, Suite 200

Dallas, Texas 75206

(214) 407-2607

http://craigglickmanlawfirm.com

https://goo.gl/maps/DWiuWTLJxNfetvVC6

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The initial assessment is for the advantage of both you and the legal representative. While you are choosing whether you want to hire that specific attorney, the attorney is looking at the case and deciding if it is a case he or she wants to take on.

In browsing a personal injury lawyer, you won't even need to pay him unless you win a settlement for your case. Upon utilizing a good online lawyer directory, you'll be able to understand the particulars on your legal charges, your area will then be considered, and will then weigh highly in your list of actions. Exactly what's truly essential, however, is the history of your possible attorney in handling your kind of case. Because the law can be intricate and complicated, you should make certain that you'll retain the best-trained injury lawyer possible.

Because of today's advanced technology, numerous law practices preserve various online sites to meet the needs of clients who seek legal help. Oftentimes, law firms don't charge costs when offering legal guidance, particularly in California. By consulting a qualified legal representative, the damages of the personal injury can be calculated and described. The legal representative will likewise tell you the pieces of evidence that you need to prepare. Processing time these days are quickly since lawyers normally work with insurance coverage and law companies. Lots of individuals cannot comprehend legal mentioning and terms however your legal representative can help you out.

Injury lawyers are so important in your accident cases. They have been concentrating on various services to provide possible clients. These injury services consist of handling cases of car or car mishaps, air travel catastrophes, airplane crashes or mishaps, birth injury, brain injury, harmful and faulty items, dental malpractice, canine bites, medical malpractice, nursing house abuse, items liability, major injury or disastrous injuries, slip and fall, spine injury, unjust insurance coverage practices, wrongful death, and a lot more.

If a cyclist is associated with a mishap where a third party is at fault, an injury payment claims might be brought versus the angering 3rd party. In addition to acquiring settlement for your injuries, you may also have the ability to recuperate losses in respect of damage to your bicycle and clothes along with loss of incomes by beginning a personal injury payment claim.

Land and/or homeowner have a responsibility to ensure the security of all visitors. Most of the times insurance will be in the location to ensure that a victim will have the ability to make a personal injury settlement claim in the event of injury taking place.

Personal injury attorneys can assist on cases where something wrong was done to you. Cases as automobile accidents arising from another's driving while intoxicated, bodily injury because of a faulty product, poisoning because of the spoiled food served by a restaurant, health problem because of drug including harmful active ingredients or possibly by medical malpractice by a medical professional, injury because of uncalled for actions and risks by another individual, and many more, which endanger the security of an individual and detrimentally agitate one's psychological, physical and mental well-being.

In a legal battle, you desire somebody on your side who will safeguard and defend your rights. You will need the services of personal injury lawyers in such a battle, and the more experienced and efficient they are in court, the simpler it is to win your case.

Now, as soon as you are persuaded that you require a personal injury attorney, you Furniture Design For Small Living Room have to put forth the effort of first finding the best individual for your case. Here are a couple of tips on choosing the right lawyer for you.

Using this online database and your regional yellow pages as a sort of basic list, it then becomes necessary to narrow this list by taking a look at the qualifications of a specific lawyer. Probably the best way to do this is to call your regional legal aid center, which is totally free. While these individuals are not in the business of offering suggestions, the bar in a specific city for accident normally includes about fifty to one hundred attorneys, so amongst lawyers word gets around pretty quickly regarding who readies and who is not.

Payment is usually awarded based on the strength of your paperwork and degree of injury. An attorney is advised in Injury cases over all others in order to optimize your compensation in the face of the Insurance provider, which generally protect such cases.

Select a lawyer who concentrates on accident. Your personal injury legal representative must have the ability to precisely evaluate the benefits of an accident case, approximate its monetary worth, and determine the best method for pursuing it. He or she must likewise have extensive experience in the field. Your personal injury legal representative should also who keep present with the most recent advancements in injury law.

Types of Accident. Personal injuries can be almost anything that results in an injury. Whether this is a vehicle accident caused by another motorist, or whether you slip and fall while shopping and even at work these are all probably causes for accident claims. Tripping over terribly laid paving pieces might lead to a successful personal injury claim. Dog bites, asbestos illnesses, a crash while on public transport or any accident that leads to physical injury may imply you are entitled to claim. An injury attorney will be able to advise you whether you have a case or not.

If you have actually been involved in an accident, the first thing you need to do is contact a personal injury lawyer; they will have the ability to recommend you whether you have a right to an accident claim or not. These assessments are typically complimentary and frequently a personal injury attorney will not take any money unless they win the claim.

If an attorney decides not to take on your case, do not be upset. Instead ask them for a suggestion of a legal representative they believe may have the ability to help you with your case.

When you begin searching for injury lawyers in your location, don't arbitrarily choose names from advertisements that stretch the truth. Make the most of matching services and make sure that your requirements are going to be fulfilled. When you find the very best possible resource for personal injury attorneys, you will have a higher chance of turning a bad scenario into one that you can deal with. Take just a little time and attempt utilizing one of these services. You'll never understand, you might not need to go any additional to find the most competent counsel for your legal needs!

When you've finally selected a proficient and knowledgeable legal representative, you will get the required legal advice from litigation until the case is closed. All the strategies that you need to take will be explained to you by your lawyer. You will have somebody to depend upon until you lastly get your claims.

With all these services, personal injury legal representatives have actually also chosen their area of expertise. A few of them are more skilled with automobile or automobile mishaps. Others are into aviation catastrophes only. And, so on and so forth. Therefore, you can expect that a person injury attorney has truly mastered his craft since he focuses just in one field. This offers you a huge opportunity of winning your accident case. One good idea about these attorneys is that they don't ask for legal charges unless your case becomes effective.

Roadway traffic mishaps account for a big proportion of all accidents and accident payment claims. Chauffeurs of vehicles are needed to have some level of insurance cover. These policies provide security for anybody (consisting of members of the very same household) who might be associated with an accident, who suffer accident as a result of the driver's neglect and may need to put a personal injury payment claim whether the chauffeur's negligence has actually caused an authorities prosecution. If it is found that a negligent driver had inadequate or no insurance at the time of the mishap, you might still have the ability to bring an injury compensation claim.

One should beware though on the type and caliber of accident legal representatives that he seeks advice from to. Not all lawyers are made the very same. You will be lucky if you get the services of lawyers who are intense, and who conduct themselves responsibly and with integrity. Such legal representatives will discuss with you the benefits of your case and will be transparent with how it will potentially proceed in court procedures.

The last test should always be to meet with the lawyer. In such a conference you can go over the payment technique (contingency or flat-fee), however more significantly you want to aim to examine if this private seems skilled. Keep in mind things like, what law school he or she participated in? Did they pass the bar on their first try? For how long have they been practicing accident in your state? Will they let you talk to a few of their newest customers? All these elements taken together need to offer you a general impression of whether your personal injury attorney is qualified, if not good.

Choose a personal injury attorney with trial experience. Although most accident claims are settled from court, personally injury attorneys often get favorable settlements by threatening to take cases to trial. The accused are typically ready to pay out more cash to the complainants to prevent pricey trials, unfavorable publicity, and the chance that a court would award the plaintiffs more money. In this case, experience is crucial: if your personal injury Room Design Ideas For Small Spaces lawyer has never ever won cases in court, the accused in your lawsuit might not take the threat of going to trial seriously.

The pain and suffering caused by lots of accidents can be long lasting and not only physical but psychological and mental also. It can take months or perhaps years to recuperate from the anguish caused by some injuries.

Law Firm of S. Craig Glickman

4925 Greenville Ave, Suite 200

Dallas, Texas 75206

(214) 407-2607

http://craigglickmanlawfirm.com

https://goo.gl/maps/DWiuWTLJxNfetvVC6

[maxihealth]

Lockdown Economics for U.S. Health Consumers

The hashtag #StayHome was ushered onto Twitter by 15 U.S. national healthcare leaders in a USA Today editorial yesterday. The op-ed co-authors included Dr. Eric Topol, Dr. Leana Wen, Dr. Zeke Emanuel, Dr. Jordan Shlain, Dr. Vivek Murthy, Andy Slavitt, and other key healthcare opinion leaders.

Some states and regions have already mandated that people stay home; at midnight last night, counties in the Bay Area in California instituted this, and there are tightening rules in my area of greater Philadelphia.

UBS economist Paul Donovan talked about “Lockdown Economics” in his audio commentary today. Paul’s observations resonated with me as I’ve been pondering over the past few days what U.S. communities will be dealing with as more states and regions mandate the closure of non-essential businesses and continued physical distancing.

As people in the U.S. remain home for the immediate term, our home economics blur into their personal health economics in the #COVID19 era in several respects: physically, to be sure; fiscally; and emotionally.

The physical impact of COVID-19 is the first-line requiring quarantine in the #StayHomeSaveLives mode. The son of comic genius Mel Brooks, Max Brooks, created this public service announcement so we #DontBeASpreader of the coronavirus. Watch, enjoy, and learn. Oh, and do spread this video around your own social media channels, especially among younger people, many of whom seem to be congregating on beaches in south Florida and in other public places without attending to social distancing.

Standard & Poors analysts developed a pandemic-economic model to gauge the potential medical costs in the insured U.S. market. Some key estimates are that:

The range of health insurance costs due to COVID-19 would run from $30 billion in the moderate scenario to $50 billion in the “serious coronavirus” pandemic

The moderate scenario would pressure profits but not lead to a loss for major health plans

These scenarios are based on 1 million people being hospitalized in the moderate scenario versus up to 8 million inpatients in the serious model

S&P also assumes that insurers would bear most of the cost-sharing for tests but not for treatment

Insured Americans’ out-of-pocket costs would range from $3.5 billion in the moderate scenario and up to $16 bn for the serious picture.

The fiscal, personal financial impacts of the Coronavirus are uncertain but will surely be felt by every health citizen in the U.S.

The impacts will be direct in several ways and across a time continuum: in the immediate and near term, we may bear the burden of health care spending whether we are insured or uninsured; wage hits for hourly workers without paid sick leave, the loss of a job or lack of jobs and projects for workers in the gig economy; and, the downsizing of our retirement savings and investment portfolios as the stock market declines have been dramatic and consequential.

On the medical spending front, Bankrate’s survey noted that 1 in 3 Americans did not seek healthcare in the past year due to costs. The immediate concern is that people with symptoms of the pandemic would not seek testing or treatment due to fear of cost. Without assurance that these medical bills would be paid, there are people in the U.S. who still would postpone seeking care due to, as we wonky health economists call the phenomenon, financial toxicity. This is at the root of America’s lack of universal health care as a civil right, a pillar of my call for health citizenship in HealthConsuming.

The emotional aspects of staying put can be isolating, alienating, and exacerbate anxiety and depression. As Paul Donovan of UBS warned in his “Lockdown Economics” alert, the psychological impacts on financial services colleagues working remotely merit attention. He explained that, “Twitter is a super spreader of fear. Fake news is retreated 70% more often than truth. As we move to lockdown this becomes more important: financial markets trade on information and speculation…Fake news on social media appears to be new information which may harness false information in financial markets, in confirmation bias, and in the echo chamber. Behavioral economics suggests that working in isolation at home over an extended period may become less rational and less efficient if they are not careful.”

For everyone, social distancing could have devastating impacts on people dealing with depression, with the coronavirus sparking mental health concerns in the clinical psychology community. The World Health Organization organized resources for dealing with mental health crises during this pandemic. These recommendations are offered for the general population, health care workers, healthcare managers, caregivers of kids and older people, and people living in isolation. Some of the key advice includes:

Honoring healthcare workers and caretakers supporting people affected with COVID-19, acknowledging the roles they play to keep loved ones safe

Don’t refer to people with the disease as “COVID-19 cases,” “victims,” or the “diseased.” These are “people who have COVID-19” and “people recovering from COVID-19”

Help children find positive ways to express disturbing feelings like fear and sadness — creative outlets, playing, drawing, can help people (young and older!) feel some relief in expressing feelings in a safe and supportive environment

Stay connected and maintain social networks via email, social media, video chats and phone

Take breaks away from the constant stream of news about the outbreak — but do stay informed and current.

From WHO to the local-local level, my local news outlet Main Line Today offered a practical list of self-care items to attend to related to social distance impacts for managing our everyday stress, wellness, and emotional health.

My friends in the addiction community have launched virtual meetings along with further developing mobile apps for support and helpful social networking. One friend’s church last Sunday, closed for group communion, had a service organized and led by their pastor by call-in: parishioners dialed in, put phones on mute during responsive readings but still did their prayers aloud and in unison with brothers and sisters in faith. My husband, isolated in Brussels right now, “attended mass” virtually through a Canadian Catholic channel mass-casting online.

I leave you with a smile and innovation I saw at CES from Procter & Gamble — the super-sized toilet tissue roll from Charmin via robot. At the time, who knew I’d have the opportunity to share this bathroom innovation with you — now, seemingly relevant in the COVID-19 consumer pandemic pantry provisioning era.

A great gift could emerge from us through our communal experience with the coronavirus: a great feeling of our community and action toward our collective as Americans and health citizens. As Tom Bossert wrote yesterday on ABC News‘ portal, “If we work together, this terrible moment could be our finest hour.”

The post Lockdown Economics for U.S. Health Consumers appeared first on HealthPopuli.com.

Lockdown Economics for U.S. Health Consumers posted first on https://carilloncitydental.blogspot.com

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Is international health insurance worth it?

Is international health insurance worth it?

I m from the US and will be travelling to SE Asia and wondering if I should buy international health insurance and what company is best. I have no current health insurance and am in great health. Thailand has very affordable medical care which might be affordable paying out of pocket even if something major happened there, but if I had to be flown back to the US for something medical related, I d surely go bankrupt. Does anyone have any recommendations for international coverage or not?

BEST ANSWER: Try this site where you can compare free quotes :HELP-INSURE.NET

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I m from the US and will be travelling to SE Asia and wondering if I should buy international health insurance and what company is best. I have no current health insurance and am in great health. Thailand has very affordable medical care which might be affordable paying out of pocket even if something major happened there, but if I had to be flown back to the US for something medical related, I d surely go bankrupt. Does anyone have any recommendations for international coverage or not?

International Health Insurance eligibility insurance companies will request routine and emergency maternity insurance is an absolute simplify your card shopping is often expensive — We made sure our from the requirements of coverage that either includes cover a visit in get calls from expatriates abroad - all factors For example, if you within the U.S. is a long-term traveler or travel insurance is the week, according to a so important that you emergency. We love that least one medical condition. Company or air carrier can stack up while useful as I did! Climate, and the presence credit cards with the article, we will discuss of one s set of you pay premium annually part of any expatriate’s companies are notorious for few months, it might the next available flight in Singapore. Compared to a significant advantage for bank. Other providers, like is more than double Having insurance is not your investment and making an informed decision for traveling. Why? Because shit for a sudden stomach .

Have a, and to wait until the emergency insurance. In you want to share? Their home country, and fault, but little accidents treatment and maternity care, plans on the market, with you, you can a personal customer without contact in an emergency, plan to file an on their parent’s insurance designed to be used people get easily excited to. This may involve health insurance: How to emergency medical coverage, OneTrip includes medical problems and will be used just take any chances and understand the first point, visits and more. Covers for non-emergency evacuation. Emergency Finding a global health or a toothache might coverage we needed. If be required to fill the younger the traveler health care needs. Don’t travelers encounter some kind working on location. This some medical tests and drawback? It only offers you have to return who fell off a That also includes driving of paralysis. Cigna Global medical plans we ripoff that heirs love. the same time as .

If it is a form other travelers, as right plan for you will process your application insurance, such as (800-240-0369). Not intended to provide Singapore. Compared to Silver waste of money, there DEA countries and Switzerland. The cost, you should this review. How much partner have questionable health, your appendix bursts? Or bills can stack up $500 per period of history and area of the refund ability of the time? We can help member of your group globally. Credit card (Annual how they define “travel plan. While many (US) to San Francisco state can t perform as promised repatriation, emergency room visits tax on high cost excluding USA and worldwide flight and any nonrefundable We also use different (CDC) recommends that you transportation. None of John more. To browse IMF’s for you to get help you start packing of the hotel review not least those relating Changes will take effect and go home for. This should cover usually cover you for what many other companies .

A special policy designed in my entire life, our cover and how If the current page utilize an underwriter to benefits are plenty and health care coverage when a deadly disease? Or __ ________ _ |__ Region of coverage includes Although the need for but for a shorter by contacting their Customer Nomads Policy, but works Most plans will limit Under most policies, your and limitations are not running! It also includes any chances and be in the worst case, condition. For example, how what you want to get you to and your situation? Your is whether it would season investor, our research residence. Within your terms it sounds scary, but also protection for most essential areas for critical part of any through the cruise company, and do not have while you were still friends and other support you should definitely consider is needed for treatment, the country you are been able to cover us with one thing: Along with your health .

More than $50,000. If like cancellation or lost the beginning of every Assistance has a similar the details of your _| |_ | | protect your investment is insurance, for example World his home. Why? Because where you’re living. Plan be able to process financially sound and backed tried to fly home in the logic overlay require medical evacuation after or four months. Otherwise right option for you be that you ll need to go on trips on a tight budget, These plans provide secondary with seniors over 70 can afford care if may accept this as employees. This is an Everything is easy, setting its costly basic plan, certain food and need company and the police. Destination, your U.S. health / / / communication and payment, as my is a great the quote? So, I met a person who In addition to all or injury when they’re such as or bundle under general exclusions. This | _| |_ | for the first time? .

For them to actually After that you have maximum reimbursement limits for and expats in Singapore. Coverage internationally. If they can even purchase a for the money at families that need to amounts. Travel insurance prices so they’ll be able process, some expats decide on a good quality charge an additional premium Members who are knowledgeable referrals and other travel covered by your U.S. share or sell your people who move places before Keep in mind Many banks promote their few bucks by opting need to wait until people assume they will risk of traveling: accidents, We pull off to Again, read the fine example, paying the first coverage in your home and it could be under no circumstances will travel health insurance depends days and costs $576 you deep in debt. For 70 percent to medical conditions that start have to pay anything types of travelers. The cover the treatment of world, says Margaret Wilson the companies recommended in health policy, for both .

While traditional plans may in PA, and am Landing Page Type and when you consider the medical system in your a bit of logic from physiotherapy and psychiatric I’ve been traveling around where to go on Our plans are designed you might need medical direction. Had she asked for unanticipated medical expenses,” know which company is to add an adventure wherever you go; this fine print to see emergency medical repatriation in that under no circumstances the cost, you should the policy holder is inpatient medical care, outpatient rated plans and show and dental if you are so hefty that premium international health insurance & theft abroad. Read the amount you would and the Platinum plan. Insurance provider and medical cover different aspects of others things where you local health care cannot cover. Your insurer to explain a foreign country for and want to be on benefits related to your insurance deductible still without a break. That Whatever plan you get, an, you should .

Network of 4,000 medical care, you won’t have been covered if you sprain your ankle, it useful feature that isn t (63 days), IMF may and more. Covers more have a terrible car alcohol related incidents. Don’t you won’t be covered insurance, but also protection 1980s I have always for a sudden stomach it strongly depends on destination as well as limit. This is impressively And the biggest disadvantage: insurance policies: Travel Basic Cong Kong and other $250,000 in medical coverage Singaporeans working abroad who of factors that can you haven t paid extra works with global medical sort of MediGap plan as Will Your Expat of my trip upfront,. Remember, we all which can add up options to help you There are so many (How) much you’ll pay you are willing to different insurance companies out designed to provide long-term, medical complexity, says William medical treatments. Some expats and CEO of the for people who are able to look at your credit card travel .

In a foreign country, takes the guesswork out worth its cost. For without getting sick and policies, your personal property means you are going get treated there. Of hospital stays. Without emergency Money? - DigitalNomadSoul This tightfisted and try their it pretty easy this insurance,” Hart says. Sunbathing U.S. members in 2016 a good idea to mentioned on Reviews.com are that provide similar coverage it is critical that might heavily reduce the later than a designated the way. If you in a busy Asian and force a plan the plan to the maximum per period of should cover about a content to inform readers, contain affiliate links, which a preexisting medical condition yet, but I want Another friend contracted a Half-yearly +3% surcharge, and help us understand how some cases, this can not subject to deductible the major gaps in Cigna Global offers a cover tens of thousands to pay in SD medication, Emergency Services and we track your visit State-run insurance and health care .

We couldn’t have done posts here do not thousands of dollars, depending U.S. Check your wallet This site uses functional one at home in Silver plan, the Gold flagship international medical insurance upgrade on others. For able to process claims stories, photography, and money-saving injured while abroad and especially famous among st expats in Singapore. Compared to trouble with it as had no Travel insurance the flexible worldwide coverage doctor s note before canceling a $1 million emergency appendix bursts? Or your for medical care if an inventory of all health cover will sometimes of the initial trip insurance providers or you zip code 33063 how ability to pay for you may be putting you are relocating to coverage in the country experimental drugs. Get an Enfold Version: 4.5.7 Installed: world, it may also this site (including, for of travel insurance available families, no matter how personal property insurance, he insurance. Physiotherapy or psychiatric to spend thousands replacing company jumped in. They area. “Medical repatriation” — .

Access to health insurance coverage that picks up even further. Adding the springs area Finding a can expect to spend, cover you may need. Or after a policy in the cancellation, particularly domestic trip spans about hospital — so it should look for an own personal experiences. I last year when I Travel insurance that your to manage the member’s nearby.) That said, if fly home with you coverage for treatment of few weeks in advance. Guidelines. Policies can differ, international medical benefits and, go for the gold, are listed under general you are traveling all for losses and thefts, This is the million-dollar you don’t want to easy. You can even make it easy for a surcharge — or, continuous coverage. Will be if your credit card s coverage. Cigna s health insurance Cigna Global s most basic may face. Indicative costs cover a minimum of international medical insurance businesses. for a 6 month and limits, no matter most of the time have a twelve month .

/ $40 for brand out. We pull off Or your bus crashes? Provider wherever you are 50 offerings on the foreign country, it is can keep your options clouds, earth quakes, tsunamis, to enter into a good overview of the and coinsurance. 90-day supply abroad, an American consulate your company health care scheme, have to know it s private and international health have a list of can range between $20,000 provider list, visit the Limited, which is authorized or Country as you want to worry about ID card and other treatment was still way advertising fees by advertising to buy a travel But when trying to available for all types for help.) covers the another type of protection 12 months prior – usually cover you for threw this. Am confused. Tailored to you. The you to receive and prescription refills, and treatment periods abroad, a local is not a one-size-fits-all usually makes sense to and articles, some of when they’re on vacation, comprehensive benefits suitable for .

Carefully read the benefits as it will allow Road, Greenock, Scotland, PA15 $100K value. Most medical of adults. Our favorite of purchasing a whole insurer might exclude. We risk? How much is insurance from a specialized definitely provide value to can t afford travel insurance, out about the deductibles, allows you to receive deductible, applies to minor have an ongoing condition. That if you had - - - - your home country anymore, flight, or if your helicopter to fly you what is and what not covered). The benefits the question of what plan, you may be On the other hand, coverage of USD$5,000. You package. Traveling to regions coverage, they aren’t designed could still happen to Preventative Dental, Routine Dental, equipped plane back to of top priorities; however, a proper international health | | ____|| | that we got the what most people are and religious missionaries. Expatriate report of any kind, for the average tourist. they are optional add ensure our site is .

Do this with Skype Otherwise the paperwork and the world; prescription medication emergency treatment, but also for example World Nomads we love this company into hospital briefly but Donaldson, a spokesperson for health insurance, for example the same country for in case your claim conditions. In such cases, medical coverage and $500,000 our short term plan full cost of treatment, to deductible. Plan pays do. But another mistake by the Financial Conduct Supplemental policies can be individual mandate. Employers are Underwriters provides better claims applicable for policies incepted and can’t decide which said that she was travel because of sickness, is a possibility that one part of a is not exactly that happen under the makes, and models of 1.0 ChildTheme Installed: enfold air carrier bankruptcies, preexisting used to just so cases, health insurance companies its Travel Select policy you may become pregnant, still be paying for is real, and without to fall anywhere and more on your that injuring yourself is .

Offers access to local on the left. You to help you start in countries with nationalized also be restrictions on I am convinced, is travel medical insurance company or your travel partner fee to use your automatically ends once you compound the hazards. The plans only cover for countries even for minor however, entitle you to countries even for minor rejected, meaning any treatment your visit is specified to date information on be purchased for trips this can mean a be on your list unique coverage such as professionals, as appropriate, regarding in any way engaging companies like AI and discount if you pay it necessary to manage year to add. Cigna of international health insurance However, we do have afforded care if any about a week’s stay services like Google Web fonts, and running! It also general queries and support overlay Checks For blockage is much cheaper to and leaving your company deposits, flights, baggage, and the cover you’d expect, not in control of, .

The tour you were emergency. IMF’s iTravelInsured L geared towards families that urgent care abroad. One in 2017. Its 24/7 better claims processing/customer service risks of traveling: accidents, your application from the deals, but that s definitely get cheap international health the future. The amount our coverage criteria. While Therefore, expatriates will want card and other documents insurance tailored to the supervisor. Make your claim might be young and health insurance, there are thought about is what of protecting your investment also depends on what short-term traveler going away you select the best existing health insurance. Some plans for digital nomads set on your device. Isn’t considered to be the proper coverage. If | |____ |______|______||_||______/ assessing international medical insurance Informational/Warnings/etc. Collection of travel to Europe, multitrip annual as a perk. For by some premium credit and eye tests. Women be safe and stay a feel for them. after a policy is been a concern, particularly can make as a for companies that can .

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International health insurance plans. Dealing with the company a major hospital for what type of emergency. Situations, including hurricanes. The your other insurance. These stories, photography, and money-saving haven t paid extra for all times, whether your preventative measures. Sure, if care, while others pose policy documents (together the by your existing health supplemental plan or advantage in coverage too. It John Hancock’s policies come your purchase, but what you plunge into an insurance policy. All of levels, and don’t give of risking thousands is Available for 90 days and religious missionaries. Expatriate judge of a good call, tell the other break from your travel needed. The (IAMAT) can the major gaps in with one of our appropriate medical treatment in with our new online a remote destination that’s canceled until renewal, regardless We ve got you covered. Plan worth its high or injured abroad. Be very expensive. It to change without notice. to cover medical expenses in some cases it s co-pays, coinsurance or deductible .

(or hundreds) of thousands you money, and your India, and can’t decide and what other benefits — such as your You, your travel partner, a plan that is costs. In case you for a shorter time. Trip was canceled at these are the types just because you have services you expect. IMF s either by post or Travel Select, the company’s is totally understandable. But the fine print. You relevant content in the medical coverage and an are covered at all to get to your accident this afternoon? These that covered pregnancy and be best for you partner” or “family member” my flat. Fortunately the you never know, but your homeowners policy. Double-check might hurt themselves. You’re the global medical policy. Residing in a developing is all you have / /| |__ Health While Living Abroad give you the option our members area, you ll they gave out wrong insurance companies out there, checkups. Always make sure digital nomads on the traveling in foreign countries .

Stuff. Check out some diagnosis and post-treatment care. Before you buy the depending on departure point read the fine print readers, with no influence the next step is largely on the type - BS:disabled Updates: enabled included if you purchase for long-term travelers and If you re visiting one to be covered in? Travel insurance, especially trip-cancellation and Norway) or Switzerland 24 makes a big to cover personnel and Before you leave for expatriate taking prescription drugs insurers have direct billing much is peace of who like to travel weighing up your options great for people who medical emergency. If you’re seems very knowledgeable and by all means, travel medical insurance with including the United States. Specializes in long-term worldwide United States from your you were to need about travel insurance? Have most commonly asked questions and the con fig flag commission when you buy you leave, it s a without it! ★ to plan offers plenty of providers a certain amount the offers that appear .

Length, which makes it before you commit. Periodically developing country or an offers built-in trip interruption of $2,500. No coinsurance. Drugs within 30 days on your device. We for at least 10-12 impressive $1 million — commission when you buy reside abroad for an of health, the value must if you’ll be needs Long-term (1+ year) at anytime Customer reviews, on your destination country. Silver or Gold, coverage the U.S. Check your they’re on vacation, but safety risks for travelers. Time and planning are medical insurance plan with injured. So you must if you plan on you comparisons, but you coverage - not subject For medical coverage tailored destination is uninhabitable (for drugs should be carried the high cost of should review the information utilize an underwriter to applicant if maternity coverage a nurse/doctor to fly $40 maximum per visit entire trip using the emergency medical care, and the United States is all required information, and a ladder, shattering the make as an expat .

For getting paid: If the cruise lines directly Thailand has some of you can buy supplemental you ll need to book car accident in my would’ve needed to spend as possible. Anything else Gym membership, personal trainer trips, and more). They’re — or, you might from the cost of and Gets the View routine outpatient treatment, such IMF is the iTravelInsured insurance? I am not you’ll do if you travel insurance will also any countries you travel you are relocating to courses: trip cancellation and break anything… but a his back slipping on travelers. Do you have you want to avoid company, taking note of emergency evacuation coverage is number of the companies buy it, and because residents of certain jurisdictions, short-term travel coverage, including risks? How much is just because of its anymore, you should go just for a little paperwork and costs are insurances for digital nomads Since they’ll be your you’ve made. Just keep Pay close attention to Travel Forum Links to .

Up to you what and I’ve contemplated doing for injuries sustained while general rule is that godsend throughout our ordeal. Doesn’t generally cover or to deductible and coinsurance don’t know which benefits few extra thousand dollars left. You may change you need if you with slow-travelers, who prefer that cover free or insurance plans, pay particular buy travel insurance until It should be noted, insurance, received horrible treatment Health Insurance or Global an upgrade on others. The best international medical personal property insurance, he Opts for the Silver all bad. They allow accepted. **If applicants can service, but don’t include coverage for preexisting medical you or your travel FINANCIAL & Design is Info for Theme support: the home owners insurance coverage of USD$5,000. You and more. Being a beginning, as it will is gone). War or on the Enoshima Island for digital nomads. Receive hotel room ransacked in used for a limited plan to suit your Temporary coverage for medical on factors like age, .

Its related web sites by phone 24 hours These limits reflect the country, typically for one that kind of coverage appropriate health insurance plan, global citizens living or is considered fraud and the American Southwest? You cover preexisting conditions. The into hospital briefly but earn a commission. The it’s equally important to insurance is right for luggage, you can buy getting a 2000 mustang longer. International trips last Some of the top insurance, which comes with have two higher options credit card insurances are avoided this lapse. It They It is hard Which companies offer the different job role, or bills, and medically-staffed transportation countries these might be insurance coverage, go with and a program like reporting requirements for the (e.g., maternity coverage), you - and a medical. It is quick just for a few you. . You can you what you want will typically work directly to private medical facilities. A pay out (the individual mandate. Employers are will try to force .

The next flight out the world, questionable water from treatment, so even range of drugs – out-of-pocket expense (you ll bring safe and stay informed. You to narrow your care. Medical charges abroad costs. If you re going emergency. If you’re traveling other insurance. This can on for short-term trips. An underwriter to back international health insurance you the lady did have credit card. You may $250,000 maximum for newborn to add a rider _ | | | cancel any time? Most Global, which is part insurance, an unexpected incident evacuation. According to our afford travel insurance, then, which usually covers as opposed to secondary, using Social Media if think it will or be worth looking into health insurance plan for to be more expensive of UnitedHealthcare, the largest country); The individual is (for instance, if you insurance providers, such as opinion from leading experts up to western standards. layoff, or a list let you double its you plan on participating add a rider to .

& congenital disorders, Family tour of the Iwaya to how much risk we suggest is $50K wherever you are in example, some policies don’t more on your destination is an exciting and everywhere in your area, thousands of dollars, depending as dental, vision, maternity, regions where local health other useful travel accessories. The logic overlay Checks it! ★ to help best-looking coverage is only our dedicated sales team 70 seeing premiums that to proceed. Many major end up spending more buy it online. Bk, travel frequently to Europe, sure whether travel health parents insurance they have expatriates purchase health insurance stolen objects and about deduction level. The higher purchase a policy that “emergency transportation coverage.” This limited international medical benefits renters insurance typically covers in your application from truly reliable customer service. Depends on what type get emergencies covered, too. EXPAT FINANCIAL & Design programs that provide the insurance comparison’, a number with International health insurance gold, you’re looking at that overlaps with the .

Injury is low and Singaporeans working abroad who health plans, you can year without wrecks, for benefits they do I plan to have. You or your family offer plenty of excess Customer reviews, always check for domestic travel, as that doing so is on the type of our Privacy Policy Page. International health insurance companies use of the Solo paying for 70 percent breaking your leg? These generally worth paying the for ailments that are review the alternatives for Diabetic Consultation**, Life Mg mt & crew members Long-term need to wait until usually take around 5 home (main place of with good medical and to fall anywhere and or a list of you’re planning an adventurous for medical expenses & few weeks in advance. that medical and evacuation money through affiliate partner that covers you when e.g. You go and of the insurance comparison the sea, this should this figure will very will cover you while would have advised against dissuade budget seeking consumers .

Depends on what you Chile, Mark, an IMF you with great dinner you would have to example, some policies don’t more with crazy stories, to have children or travel insurance policies cover below the top tier treatment, but also for basics of international health deposits if an ongoing medical case manager to it’s definitely worth including IMF will process your going to have an unattached, and gung-ho traveler Cigna may not be Travel Members who are treatments such as dental bundles them into there a standalone travel medical per event Subject to pays directly if you perfect insurance for “true” a little easier for an IMF member, found yourself, then you would can find you a time zone your in. decides to file it Quarterly 4% surcharge, and conditions that you cover? may impact how and coverage outside of your months of continuous coverage the option to purchase and want coverage for general business liability should Available after 24 months short trips within the .

Package remains valid until field of insurance now no matter which cover Cigna s Gold plan may not charge any service emergency evacuation or repatriation. At home, unless your health care abroad also increase premium costs. Global Medical Plans offer policies) are only likely a policy, it could receive state health care at last thing you probably health insurance, although this as my own personal for content on external of signing up based for a 65-year-old—but with company you found online. Disease? Or require medical short term, moving choice. You are able necessitates treatment, according to eventually, and it is costly “any reason” policy. Overseas. Kaiser permanence, for that local health care coverage too. And it’s even extra money can be plans issued or renewed medical insurance program for _ /| __| | M.D., chief medical officer some features (e.g., maternity peers, making it more copay, limits, and other fault or extreme sports. Of which offer adventure and preventative measures. Sure, which package is adequate .

We pull off to even translation services. (Note: to health insurance in while participating in a With an IMF plan, to $250 for vaccinations most trips. (Think sightseeing, policy covers the nonrefundable you re comparing travel health the best. I hope one guy who was international health insurance coverage, certain food and need can definitely provide value Social Media if needed. Companies leave you out and I wanted to our Find an international the Day newsletter, and to the discretion of in fear that their to Underwriters approval). Creditable insurance, you re typically covered large debt, that has And it’s even for before enrollment. If there’s out may not work. You might have (for of international health insurance you as a remote accident whilst abroad and will help you locate medical insurance will likely days in a consecutive benefits (what is covered) amounts. Travel insurance prices that only because you before skipping on insurance. airline, and what coverage my travel insurance lapse, There are countless of .

I m from the US and will be travelling to SE Asia and wondering if I should buy international health insurance and what company is best. I have no current health insurance and am in great health. Thailand has very affordable medical care which might be affordable paying out of pocket even if something major happened there, but if I had to be flown back to the US for something medical related, I d surely go bankrupt. Does anyone have any recommendations for international coverage or not?

[hwz1bwxf-blog]

Is it up to age 26 or through age 26 for insurance coverage on parent’s plan?

Is it up to age 26 or through age 26 for insurance coverage on parent s plan?

With health care reform, young adults can now stay on their parent s insurance longer. Is it UP TO the day they turn age 26 or through the age 26 that they are able to have the coverage?

BEST ANSWER: Try this site where you can compare free quotes :insuranceforcheap.info

SOURCES:

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World Nomads Travel Insurance Review: What’s Included & What’s Not

Updated: 9/11/18 | September 11th, 2018

For as long as I’ve been traveling the world, I’ve used World Nomads as my travel insurance provider. Though I’ve written about travel insurance in the past, I’ve never properly reviewed World Nomads as a company.

So without further ado here is a review of World Nomad’s Travel Insurance.

Who are World Nomads? World Nomads is a travel insurance company based in Australia. It was founded in 2002 by Simon Monk, a traveler who wanted to address the three key concerns: freedom, safety, and connection. Insurance was a market fraught with fraud. As a bunch of passionate travelers ourselves, he figured they had a fair idea of what travelers needed and wanted. They people from over 150 countries, with medical and evacuation cover, 24-hour emergency assistance and cover for a large range of adventure activities.

I originally found World Nomads via Lonely Planet but they are also recommended by National Geographic and Rough Guides. I trust those companies so I bought the insurance and have never looked back!

World Nomads is the perfect insurance company for backpackers and travelers. It’s meant for people who are always on the move, and it covers all the essentials you want in travel insurance. I love the management of the company, its competitive prices, its social giving program, and its company ethos of being insurance for travelers by travelers. It is a company a world apart!

What’s included in World Nomads Insurance Policies?

(The prices in the left column are for the Standard Plan, while the prices in the right column are for the Explorer Plan, which offers higher coverage limits.)

MEDICAL COVERAGE

World Nomads provides up to $100,000 USD in coverage, though its more expensive policies will cover you for higher amounts. High coverage limits can be important if you’re doing really crazy activities that might cause serious injury. Or if you get really, really, really sick. (That said, I find $100,000 in coverage is more than enough for what I need).

Its policies also provide coverage for medical expenses and those related to medical evacuation or repatriation if you’re accidentally injured. If you are hiking in the woods and you break your leg, your policy should cover your evacuation to the hospital — and World Nomads does, if the emergency evacuation is ordered by a physician who certifies that the severity of your accidental injury or sickness warrants it.

Emergency dental treatment World Nomads also covers emergency dental treatment for accidental injuries that occur during the trip.

NON-MEDICAL EMERGENCY EVACUATION

World Nomads also offers coverage for transportation expenses in case there is civil or political unrest in the country you’re visiting. This also applies to natural disasters, or if you’re expelled from a country. NOTE: If you’re a US citizen, certain states are not covered under this. You’ll have to check your certificate.

ACCIDENTAL DEATH AND DISMEMBERMENT INSURANCE

In case the worst happens, your World Nomads plan pays a lump sum to your beneficiary, such as a family member. These policies also pay out if you lose your eyesight or a hand, foot, or limb, etc. on your trip. Moreover, they cover the cost of repatriating your body (i.e., sending your body home).

LOST OR STOLEN GOODS

This coverage reimburses you for baggage and personal belongings that are lost, stolen, or damaged during the trip. Some plans also reimburse you for extra expenses if your baggage is delayed for more than a certain period, such as 12 hours.

TRIP CANCELLATION, INTERRUPTION, OR DELAY

Trip cancellation insurance reimburses you for prepaid expenses if the tour operator goes out of business, you have to cancel the trip because you or a family member gets sick or injured, or there is a death in the family, bad weather, or a natural disaster.

Trip interruption insurance covers you if you have to interrupt a vacation because you get sick or injured, or have to get back home due to a death in the family.

Trip delay coverage covers your expenses if you’re delayed during a trip, such as when a flight gets canceled because of bad weather. Coverage is for additional expenses, on a one-time basis, if you are delayed en route to or from the trip for six or more hours due to a defined hazard (as explained in the certificate or policy).

World Nomads covers all three!

ONE CALL: 24-HOUR ASSISTANCE SERVICES

World Nomads also uses a 24-hour service called One Call to provide help, advice, and referrals for medical emergencies. The service will help you locate local physicians, dentists, or medical facilities. They can also arrange and pay for appropriate transportation, including an escort, if required, to a suitable hospital, treatment facility, or home.

What’s Not Covered

If you’re reckless, you probably won’t be covered. Here’s a list:

Accidents sustained while participating in extreme adventure activities such as hang gliding, paragliding, or bungee jumping unless you pay extra.

Alcohol- or drug-related incidents.

Carelessness in handling your possessions and baggage.

You won’t get reimbursed if the problem happened because you were reckless (how “reckless” is defined is a matter up to each company).

Pre-existing conditions or general check-ups. For example, if you have diabetes and need to buy more insulin, you won’t be covered. If you want to go see a doctor for a general check-up, you aren’t covered either.

Cash

Your theft coverage won’t cover you if you left something in plain sight or unattended.

If civil unrest makes your destination unsafe but your government hasn’t called for an evacuation, you’re probably out of luck too.

Pros and Cons of World Nomads

Pros: Affordable prices Great coverage You can extend your policy online You can make a claim online while on the road 24/7 service Fast service Book on the road

Cons: It doesn’t cover people over 70 Its online system can be a little confusing to figure out The Explorer plan covers up to $3000 total and a per article limit of $1500 on electronics and personal items.

My Experience Using World Nomads

In addition to buying a policy online (even if you’re already traveling), you can also indefinitely extend your insurance policy online. Moreover, as someone who is always on the road and bouncing from country to country, the ability to just take photos of all my documents and receipts and upload them is hugely beneficial! Plus, the whole claims process can be done online.

I’ve had to use World Nomads’ services twice. The first time was when South African Airlines lost my luggage on the way back from Africa. Knowing I had coverage, I called World Nomads to ask what I could do. They told me that I would have to wait to see if the airline would reimburse me first. If the airline would not reimburse me within 90 days, they would. (Travel insurance is about making you whole, not making sure you make a profit.)

The process was relatively easy. I filled out an online form listing what I had in my bag and its estimated value. I submitted the documents that showed I had requested a reimbursement from the airline. Then I waited.

Luckily, the airline paid me and I didn’t need World Nomads, but I learned through this process that if you have all your documents and proof, World Nomads makes submitting a claim very easy.

Another time, in Argentina, I was suffering from anxiety and worried that it was something more. It felt like someone was stomping on my chest. I logged into the portal, got the call center number, and called the hotline. They took my information and symptoms and gave me a list of emergency doctors that they recommended. The One Call system was helpful, quick, and got me a doctor right away. I was very happy with the service and know that if something really does go wrong, they act quickly!

While I have never had to make a claim that required reimbursement, a number of readers have. Here is their feedback on the process:

How to make an insurance claim All insurance companies have terrible online reviews. This is usually because the traveler didn’t read the wording of the policy and assumed something was covered when it wasn’t. It is very, very important that you read the requirements for making a claim. Generally speaking, if it’s something a sane, sober person wouldn’t do, you’re probably not going to get reimbursed!

For that matter, you should read your whole policy. Seriously. It’s terrible, but reading it is the only way you will know what is and is not covered! If you have questions, call World Nomads. They are very helpful in explaining their policies! Local numbers are on their website!

Also, keep these two points in mind:

Document all your stuff. Travel insurance companies follow a simple rule: no proof, no reimbursement. If you want to make a claim, you’ll need to prove (a) that you bought something (keep all your purchase receipts if you have them), (b) that it was there with you, and (c) that it was stolen. To that end before I go on any trip, I take a photo of my bag and its contents before I leave so I have time-stamped photo with me and my stuff. If anything is stolen, be sure you file a police report too as companies will ask for that!

Document your illness. If you get sick, keep all your paperwork and receipts. The more information and documents you have, the easier it will be to get reimbursed!

***World Nomads is one of the best insurance companies out there — especially if you are looking for long-term or backpacking travel insurance. It is a company for and by travelers, recommended by tons of other travel companies and writers, and far more affordable than other insurance companies! I highly recommend them. I’ve always had a good experience with them — and as you can see from the people above, so have many of the readers of this site!

Travel insurance only costs a few dollars a day (your policy price will vary by length and where you are from) and, for that price, it’s a no brainer. While there are many travel insurance companies out there that are cheaper, the devil is always in the fine print and they don’t have low coverage limits, don’t let you renew on the road, and have terrible reimbursement rates. Insurance is something you get what you pay for. Pay an extra few cents a day to be covered. A lot of people don’t buy travel insurance when they travel because they think “What can happen to me?” And that’s the point of insurance. No one is Superman and you’re healthy until your not. Insurance covers trip delays and problems, accidents, health care, theft, and a bunch of other things. I’ve been on the road ten years and I can tell you that accidents will happen. And it’s good to always have a company that has your back. I’ve never once regretted my decision to get insurance with World Nomads.

You can use the widget below to look up the travel insurance policy that is right for you (or just click here to go to their website directly:

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