thesatellitepirate
Three of my Space Cadets are on fire.
2K posts
I spend most of my time tending my crops in stardew valley. I pretty much just reblog stuff here!Amber|20s|They/Them
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thesatellitepirate · 5 days ago
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Sick list of symptoms bro. Now try humanizing your behavior instead of pathologizing it.
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thesatellitepirate · 5 days ago
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"No Angel of Temperance" watercolor, 2024.
Private commission for @lickthecowhappy inspired by their poem of the same name
Prints!
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thesatellitepirate · 5 days ago
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Piece of financial advice, because I've seen too many people make this mistake: never pay off medical debt on a credit card unless you are 100% sure you will be able to pay the credit card balance off in full as soon as you get the first bill. Why? It is ALWAYS better to have medical debt than credit card debt. There is a long list of reasons why.
State and federal laws severely restrict medical debt in ways that credit card debt is not restricted.
Credit card debt can charge much higher interest rates, and in general it IS much higher in rate. Medical debt sometimes charges no interest, at least for a certain period of time. When it does charge interest, the rate is lower, and in some states it is capped as low as 5%, always at 20% or lower. Credit card interest rates are almost never below 15% and are sometimes MUCH higher than 20%.
Medical debt is less damaging to your credit history than credit card debt. And it is easier to eliminate in bankruptcy.
Medical debt also does not affect your spending limits on a credit card. If you use a credit card for monthly expenses, adding medical debt to it can bring you closer to your credit limit which might make you unable to use the card for expenses (even ones you could afford to pay off immediately.) This negatively affects your credit rating through increasing your credit utilization, it can reduce your potential to earn rewards, and it can reduce your spending power in an emergency.
Also, the penalties and fees for deliquency on medical debt are much milder and those for credit card debt are more severe. Again, laws are more restrictive on medical debt. You will have far fewer fees or penalties going delinquent on medical debt.
Also it is often easier to get medical debt forgiven or negotiated down, than credit card debt,
If you ever end up with medical debt, keep it as medical debt and keep paying it as medical debt. Go delinquent on your medical debt before switching it to a credit card. Once you put it on a credit card, you can't go back.
By keeping your medical debt as medical debt, you save money, protect your credit history, and increase your chances of having the debt forgiven, negotiated down, or eliminated through bankruptcy.
NEVER CONVERT MEDICAL DEBT TO CREDIT CARD DEBT.
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thesatellitepirate · 21 days ago
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it is truly so pathetic how much america hates women
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thesatellitepirate · 21 days ago
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Reblog for a miracle to happen tonight
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thesatellitepirate · 21 days ago
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Worlds of Ursula K. Le Guin (2018), dir. Arwen Curry
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thesatellitepirate · 2 months ago
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thesatellitepirate · 2 months ago
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sorry for being indecisive, I haven’t had any prophetic dreams to guide me in a while
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thesatellitepirate · 2 months ago
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Stop getting mad at me I raise undead when im in distress
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thesatellitepirate · 2 months ago
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Don't you worry about my pronouns. My pronouns are pretty standard. Worry about my adverbs. My most frequent ones are "omniously", "haphazardly" and "obliviously".
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thesatellitepirate · 2 months ago
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‘bread is bad for you’ ‘rice is bad for you’ sorry im not subscribing to the idea that staple grains that have been integral to cultures for centuries are evil. i love you carbs
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thesatellitepirate · 3 months ago
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Combat log: The effect Ibuprofen has ended.
Me: *instantly ragdolls*
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thesatellitepirate · 3 months ago
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I DONT WANNA PAY BILLS I WANNA USE MY MONEY FOR FOOD AND LIL GIFTS FOR MYSELF AND MY LOVED ONES
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thesatellitepirate · 3 months ago
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being at work while your personal life is falling apart has to be among the top 3 worst human experiences. You’re at your absolute lowest and someone wants to circle back on an email…… unreal
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thesatellitepirate · 3 months ago
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chuckling indulgently.. oh go on... i suppose a LITTLE bit of monica in my life wouldn't hurt
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thesatellitepirate · 3 months ago
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Plenty of highly intelligent people end up getting sucked in to cults because they just wanted people to hang out with. There are antivaxxer nurses. Your ability to act on empirical reason breaks down fast if your social and emotional needs aren't being met.
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thesatellitepirate · 3 months ago
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I had a vision
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