thankful for insurance

Real advice

So a lot of you on here are teens and might be getting ready to be out on your own. Here are some things I learned the hard way or that are just good to know.

  • Never smoke or quit if you are currently. The cost of addictive smoking is more than half your groceries a month AND the bodily cost will surprise you.
  • Drink water. Yeah okay I know this one sucks but water is much much cheaper than soda, trust me. Your skin will thank you.
  • Send thank you cards. Don’t have any? Get the cheap ones and send those. It doesn’t matter how nice they are, the fact that you sent a thank you card matters. Send it for gifts, people calling you to check on you, those adults who helped you move, and even people who interview you.
  • Withhold 1. Okay so speaking of jobs, on your forms (US) where you are trying to figure out your tax withholding, put one. Yourself. It’s an easy way to make sure you don’t owe $2,000 in April and you still get a pretty decent check. 
  • No pets. If you don’t have a pet now, don’t get one. It’s super hard to get an apartment that will let you have a pet when you are first starting out. Wait until you are a bit older and can afford to rent more than a one bedroom apartment. 
  • Insurance. You’re young, so why do you need life insurance? Because that’s the best time to get it. Yeah, it’s a dumb expense to pay right now, but if you get it early, you can afford it. The longer you wait, the more expensive it is. Car insurance is going to be high for a few years, but it will drop around 22 and 25 years old. Health insurance usually comes through your job and please don’t ignore it. Renter’s insurance is usually pretty cheap and it covers you if there is a fire or natural disaster and you have to go back home to mom.
  • Off brand. This goes for food, clothing, makeup, and cleaning supplies and just about anything else you can think of. For food, Aldi’s is your best friend. I can go fill up a cart of just food and it will cost maybe $70. the same amount of food at Walmart is easily over $150. You can of course be picky, but try to get the majority of your food off brand. Hygiene products too. Goodwill is great for clothes, but plan a trip. Save like 60 bucks and drive near a big city where the rich people live. Go to the goodwill there. You can basically get an all new wardrobe for pennies on the dollar. Makeup is tricky. It can be really really expensive but you don’t really have to buy all of it name brand. Pick whats most important to you. I prefer eye shadows and lipsticks name brand and I deal with everything else from the drugstore. With he right techniques, you can make it look expensive. As for cleaning, I always use dollar tree stuff minus my laundry detergent because of allergies. Bleach, stain spray, and vinegar are gonna be your best friends,.
  • Car. Okay so yeah, that brand new car is nice and sure, maybe you can afford it. For now. Disaster will strike. Something will come up and bam, you’re stuck choosing if you want to walk everywhere or eat. Try getting a slightly used car, such as one of the ones they let people test drive a lot or a car that has previously been leased. Just as nice and much MUCH cheaper. And I have gotten THREE cars with no down payment so don’t let them tell you you can’t. But it is nice to put it down,even $100. 
  • Negotiate. Don’t be afraid to haggle with people. Yeah it’s intimidating but it’s 10 minutes of your life versus hundreds of dollars a year. What can you negotiate? Almost anything. Car payment. Rent. Insurance. Hospital bills. Even due dates for the bills you can’t negotiate on. Also, if something comes up where you have to skip a payment on something, call them. Give them like $25 and explain your situation. Ask if your payment date can be moved with the $25 as a goodwill promise to pay the rest later. It works. They would rather move your date than send you to collections. 
  • Collectors. Okay so this one is tricky. If you have fallen behind and owe a collector, don’t fret. I do too, even as I write this. Owing a collector means that the original service has been paid (health bills, credit card ect) and you are now paying the people who paid your bill. (I know it’s confusing) however, they will usually want the entirety of what they paid for you in 6 months. Meaning if they just paid a bill for you that was $3,000, they are gonna ask for $500 a month. That’s rent. That’s crazy. Tell them outright what you can afford and don’t lie about it either. If you can afford $100, tell them that. If you can afford $50, tell them that. If you can’t afford to pay them anything when they call you, let them know when you can. If you can’t afford it when you told them you could, don’t answer your phone to a number you don’t know. I know that sounds horrible but if you are renting an apartment, renting a car, and literally own nothing, they can’t do much to you. Just pay when you can and try to maybe pick up some extra shifts at work to make a payment. I have been dodging collectors for about three years. I owe I think three right now. I pay ONE of them a month, but it’s a large payment to keep them quiet for a while. I do not suggest this for you, I am just letting you know what I do.
  • Credit Cards. Okay, the big one. Many adults will tell you to never ever get a credit card and that’s just not feasible in this world. However, it can be addicting to be able to go to Walmart when you are negative in your bank account and get that $10 movie. I mean, it’s just 10 bucks right? WRONG. It will build up fast and soon the one credit card you have will be maxed. So you have to get another for emergencies. And another. And so on. So here’s my advice; Get a credit card through the same bank as your checking and tell them to put a limit on it and not let it raise. Then lock that sucker away and forget you have it until a real emergency comes up like a flat tire, short on money for groceries, or that collector that hasn’t been paid in 4 months. You can make it on one credit card if you are strict with your money, which I am sure you don’t have a lot of.
  • Budget. Speaking of money, write out a budget for yourself. Don’t know how? Here’s the easiest way. Most people get paid bi-weekly so here’s how to do it. Make two columns, Check 1 and Check 2. If you have a full time job you know about how much your checks are going to be so put the amount at the top of each column. Now that hard part - figure out what is due when. Is something due June 1st? Take it out of check 2 (end of May). Is something due May 14? Take it out of check 1 (beginning of May). That main thought process behind your budget is that you want to have the money for a bill set aside before it’s due. Paying a bill a few days early is a great way to make a good financial reputation for yourself and for some things even build credit. Now if you get paid bi-weekly, you will sometimes have a month where you get 3 checks. DON’T BLOW IT. Put it right back into your budget as Check 1 and keep the flow going. If you prepay bills, like your car or your rent or your credit card, and stay a month a head of those big ones, you may need that wiggle room later. If your car, for instance, is paid ahead 1 month, you can use the car money you would normally pay that month for maybe some extra groceries or some small emergency without using your credit card and you won’t even fall behind! You’ll just be back to owing every month instead of being ahead. It’s like a savings account without the temptation to blow the money. 
  • Simplicity. Enjoy simple things. A gym is expensive, go for a walk instead. Cable is expensive, pay for internet. Phones are expensive, get on a family plan (there is no shame in staying on your parent’s plan, just pay your share). Food is expensive, enjoy leftovers. Movies are expensive, go early and resist any snacks. Shopping is expensive, go to the mall and spend all day trying on cute clothes and taking selfes in the dressing room (makes you feel like a million bucks sometimes!). Time is expensive because you don’t have a lot of it so If you want to stay in bed all day on your day off, do it. If you want to binge on your day off, do it. If you want to just play board games with friends on a Saturday night with a few beers, do it. Simple fun is way better for your pocket and your anxiety.
  • Mental Health  - speaking of anxiety, make sure you take care of your brain. Go outside, even if it means sitting on your steps. Wake up early, even for just an hour. Don’t burn yourself out at work or school because you will suffer the consequences. Make a schedule. If you have trouble with timekeeping, ask for help. If you feel you do have a real mental disorder, see if your employer has what’s called and EAP program (employee assistance program). They usually help you find a mental health provider and give you a few visits for free. This will help you narrow down what exactly you have and after you’re free visits are up you can see who is in your health insurance network that can provide you the mental care you need. if you are prescribed drugs, always get generic. If there is no generic, ask for an alternative. I will not lie to you, mental health is the hardest thing to treat. It took me 8 years and a lot of money to figure out the right medication cocktail for me and my bipolar/ schizophrenia (yes I have both). Turns out I only need two pills, and if I were to refill both of them right now, I wouldn’t even pay $10 thanks to my health insurance (which sucks but at least it’s there) and because I got generics. Also, talk therapy can be pricey but sometimes only a few sessions can change your life. I have literally only been to talk therapy 11 times in my life and that was to deal with PTSD, bipolar, schizophrenia, and suicidal tendencies. 11 sessions. That’s 11 hours. And yeah, I paid over $400 out of pocket for those collectively. But if I hadn’t I would probably be dead right now so it was worth it.
  • Connections. Calling your friends is awesome because sometimes, it’s free therapy. And okay, maybe you’re 19 and you still have a horrible relationship with your parents. It’s okay. I am 25 and I still have problems with my parents. My whole family actually. Social media is a kind of safety net for me because that’s where I can be myself. Find where you can be yourself, it will help you stay sane.
  • Clean. Sometimes when I feel crappy, I take a shower. I clean the living room. I do the dishes. I vacuum. I mop. I open the windows. I get the trash out of the house. Change into some clean clothes. Organize my desk. Clean out your closet and put all your unwanted clothes in bags to donate. Just a small amount of cleaning can make you feel like you accomplished something. 
  • Hobbies. This one is a little hard too. It depends on your personality, your budget, and how much free time you have. Drawing , singing, and writing are free. Exercising can be free if you run or walk in the park. But most hobbies do actually cost money. Video games, playing an instrument, painting, sewing, cooking/baking, making things - those all cost money. Some of them lots of money. But you have to have a hobby outside of social network, sleeping, and working. It’s another thing to keep you sane and it’s just a good idea.
  • Toxic people. Do not be afraid to cut people out of your life that do nothing but make you feel bad about yourself or insult your life. This could mean breaking up with your partner, unfriending a person from your social circle, cutting out a whole circle of people, or even not talking to a relative(s). It’s not easy for some people but if they do not build you up, they will only tear you down. 
  • Drink at home. Okay so this one might sound like a no brainer, but I’ll explain it anyway. Packs of beer and hard liquor bottles are cheaper than a pint and a shots at the bar. Bottles of wine are cheaper than a glass at a restaurant. It’s never okay to drive drunk or even after one bottle of beer. NEVER. Staying at home is cheaper all around and you can drink in your pajamas while watching Finding Nemo on loop. Or invite some friends over and create a drinking game out of a show, a game you already have, or just talk and drink. 
  • Sleep. This one is so important. You need a good bed and a quiet, dark place to sleep. If you are scared of the dark, get a night light. Can’t sleep in silence? Get a fan. I have both of these and they help. You’re brain will feel tired if you ‘slept’ for 12 hours but only got 1 hour of REM. REM can really only happen every night if you are in a calm and dim environment. Quality of sleep will effect your eating habits, your emotional state, your mental stability, and your ability to make rational decisions among other things. 

So these are obviously just a few things, but I feel they are important to share. Please feel free to add any and reblog it for those about to enter adulthood. 

Nobody cares about John McCain. He’s 80, he was gonna die anyway. He called his own wife a cunt and is an American hero for serving in a shameful assault on the people of Vietnam. Some poor soul has a brain tumor and no insurance thanks to him and people like him. Why are we supposed to respect this horrible man?

One time I was playing the sims and I wanted to make me and mike but I wanted to make us separately and have us meet. But when I moved into my house, I had this sexy ass neighbor. I figured I could have a fling with him and break it off and get with Mike later but then the neighbors kid got attached to me and I couldn’t just end it when I was so close to his daughter. I really cared about him too.

So the only thing I could do was have it end in tragedy. That way I wouldn’t have to break up with the guy and I could adopt his daughter to stay close to her. He passed away peacefully on fire in the kitchen. Now in previous games, when a kid is taken away by CPS, the next kid you adopt is the same kid. Welp that didn’t carry over into sims 4 so the daughter ended up being taken away and erased from the game by the great sims deity.

I’m a sentimental man, so I kept neighbor mans tombstone around. I’d occasionally chat with his ghost, but he seemed cold to me. I can’t help but thinking he was a bit mad his daughter no longer existed. But this escalated once I started seeing Mike. His ethereal visits became more frequent and more hostile, usually breaking my electronics or creating a mess. But he went overboard when he started the fire.

Being a sim the died in a fire, his ghost had certain abilities specific to his death (setting fires). He got pissed because I kissed Mike so he set my couch on fire that ended up barricading us in the bedroom. Now I couldn’t find the fire alarm in buy mode and I hadn’t had the foresight to predict my spiteful ghost died-in-a-fire ex boyfriend would be an afterlife arsonist to care about it that much so a lot of the house had burned by the time I could get the FD there.

After having almost nothing covered by insurance (thanks Obama), Mike sat me down to have a talk with me. While I couldn’t understand him, I imagine he said “What the fuck you need to deal with your crazy ass ex boyfriend ghost. This never would have happened if you weren’t a thirst little sim bitch and dated me first.”

I approached the grave. It was time to release him. He was waiting for me. He knew this was the end. That after this, there was no coming back from the afterlife. I know he tried to kill me, and he knows I got his daughter deleted, but at that moment, it was just like old times. Telling each other jokes 27 times in a row until he would have sex with me.

We had a final ghostly embrace and he was gone. I sold his tombstone for 300 bucks and bought a microwave.

The response to my update post was pretty overwhelming. It’s hard to describe how it feels to have that much love flung at you all at once. I’m still going through all the messages and comments. It can take me a while to find the concentration to read through them all. And I wish I could respond to each and every one, but I’m afraid I might not have the energy to answer all of you. My apologies. 

Some have suggested I start a fundraising campaign to help me get to the Mayo Clinic. I will look into that, but I don’t know if that is a possibility. Even if I raise a few thousand dollars, that would probably only cover the tissues they give you in the hospital room. But maybe they have some sort of assistance program I can look into. I’ve decided that I will call them and see if I can get an idea of how much it would cost. I am not getting my hopes up. I saw the bill for my kidney stone operation and it was astronomical. It only took half a day and it was ludicrous. I’m thankful I had insurance to cover most of it. But if I went to the Mayo Clinic they may need me for many days or even weeks. And my insurance company has told me in the past that they don’t cover out-of-state treatment. 

I guess I’m just not optimistic about my chances of coming close to the money I need to go. Plus, the treatment may not even help and then you all would have sent me there for nothing. I would feel guilty if that happened. I don’t know. 

All that aside, I want to thank you all from the bottom of my heart for all of your support. I was having a lonely, shitty day yesterday and when I woke up to thousands of folks wishing me well… it made things not seem so bad for a while. You’re the best. I hope you have a lovely rest of your Sunday. 

Take care!

Heartbreak Insurance

Words: 10.9k
Genre: FLUFF.

Read more at Service Series

Cr.

Ring Ri-

He bursts into a bright huge grin, despite not being seen. “Thank you for calling Heartbreak Insurance. My name is Jimin! How may I help you today?”

There’s a long silence over the phone until there’s a slight sniffle and the woman on the other line explodes into a hysterical sob. “HUUUUUUUUUUUUUUUUGHH…nnn..nnn-” It’s a type of uncontrollable bawling howl that makes your snot drip inside your mouth .

“I’ll connect you to our customer services~ Please don’t hang up the line. One moment please!” Jimin moves the phone handset into his other hand while he presses some buttons, successfully transferring her over a second later.


The average person falls in love 4 to 7 times before marriage and 40% to 50% of all marriages end in divorce. 85% of all relationships end with a breakup. Don’t just be a statistic!

At Heartbreak Insurance, we are committed to be there when you need it most. Affordable and comprehensible solutions to meet your needs today! With our Heartbreak Insurance, you can find a plan that fits your needs. We cover and care for you in your most vulnerable times, offering paid time off, therapy sessions and care packages.

Because heartbreak is pain too.


Keep reading

Every time I think about having to be an adult I get so mad. Like I want to call around to see if I can get lower car insurance but I literally have no idea what I would be saying. Besides “I want cheaper car insurance”. Like wtf is a premium, wtf does 100/300/100 mean, how much insurance do i need???

Untitled high school omegaverse

For @hannigram-a-b-o-library and SummertimeSlick, here’s a bit of the A/B/O AU where Will is sweet seventeen and goes into–you guessed it–surprise heat. Soshite Koi ga Hajimaru: Hannigram edition, basically.  

Assume this Hannibal is nice-ish, though exactly how nice is unclear. No sex, just age difference, heat, and bodily grossness. 

Edit: completed version now here on AO3.

*

Quiet in the hallways:  class in session.  The guidance counselor greeted Hannibal outside the nurse’s office with a rueful smile.  

“Thanks for coming on short notice.”

“Not at all,” said Hannibal.  "How’s the late bloomer?“

"Not happy,” said Dr. Bloom.  "We haven’t been able to reach his father—he’s a contractor, does boat repairs.  Mom’s not in the picture.“

”‘Not happy.’  Physical distress?“

"More emotional.  He thought of himself as a beta until today, and I think he felt secure in that identity.  It’s a lot to process.”

“It certainly can be,” said Hannibal.  "A senior, you said?“

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Remember when my daughter was in the ER for a skin infection that they were afraid would spread to her brain? I told her at one point “just be glad we have insurance” and she asked how much it would normally cost. I took a wild guess at around $20k and she was shocked. Welp, here we go! $20k for them to take a CT and give her IV antibiotics. We were there for around 8 hours, and most of that was spent on a bed in the hallway because the regular beds were full. Food was not even provided in that visit. I will say that they were the nicest ER I have been in, but $20k? Really? 

Suspect: Part 2

Pairing: Reader x Bucky (not yet)
Word Count: 1.8K
Warnings: Swearing

A/N: Still set during CA:TWS. I’m actually super proud of my writing here

Feedback is always appreciated. Let me know if you want to be added to the tags list.

Part 1

A pulsating headache had been bugging you the last few hours, and you couldn’t be more happy that the clock had finally hit 5pm. Closing down your laptop, you start gathering your belongings and stuffing them into your bag. Grabbing your phone, you let out an annoyed sigh as it starts glitching.

“Great,” you sarcastically mumble to yourself as you grab your coat and bag,

“What is?” Dale’s voice sounds from beside you,

“My phone,” you sigh out, “It’s fucking up. Now I’m going to have to go by the Apple Store on my way home,”

Dale gives you a look of pity, “Well, not to be the barer of more bad news, but you can’t rush off yet, Chief wants us in the conference room. Emergency meeting,”

“What about?” you ask as your brows furrow.

Keep reading

Picked up my insulin prescriptions today. Thank fuck for Medicaid:

Your insurance saved you $384.79 - a month’s worth of long-acting insulin

Your insurance saved you $319.99 - a month’s worth of short-acting insulin

That’s over $700 per month for a life-saving, absolutely mandatory medication, to treat a disease that is considered random - as in, you don’t “cause” your type 1 diabetes. You didn’t eat too much sugar, your parents didn’t bone the wrong person, you’re just unlucky.

There is no other treatment for this disease than insulin, and off insurance, which our government is currently trying to destroy, it would cost seven hundred dollars to survive it for a month. And that’s just insulin - that doesn’t take into account syringes or test strips, or insulin pump supplies like infusion kits, or the “optional” things you’re really supposed to have like alcohol wipes and sharps containers.

I also picked up a Glucagon kit, which is an emergency sugar injection kit for when your blood sugar is so low you literally cannot function. Without insurance, it would have been $442.99.

This is absolutely horrifying, and so many people don’t understand what it would take for a diabetic to stay alive. Our current capitalistic health system is untenable, and if it gets any worse, so many people are going to die.

Paul Ryan either doesn’t understand insurance, or he’s lying about it.

As we struggle to understand the so-called Republican “health care” plan, which seems to have little to do either with health or care, it may be useful to review the underlying concept of that thing called “insurance,” which many in the GOP, particularly Paul Ryan, seem to have trouble understanding.

Among people with a basic high school education, it’s common knowledge that English civilization began expanding dramatically into the Americas in the mid-1600s. There are of course many explanations for this; among Christians, a favorite is the notion that colonists came to America to escape religious persecution. There’s some mild truth in that, if the only colonists you’re concerned about are the pilgrims at Plymouth Rock, but the greater truth is, most colonists and the companies that financed their colonies established themselves in America for one reason– to make money.

Trade was the reason for developing and expanding the American colonies; shipping was the method by which trade was made possible; and insurance was what made England’s shipping trade profitable, turning a small island into a great ship-building empire that within a hundred years had colonies and dominions across three quarters of the globe.

The key to all of this, the reason America exists, the reason there was a British Empire, was insurance. Specifically, the concept of shared risk, in which the costs of individual disaster could be spread among many, for the benefit of all.

Ever hear of Lloyd’s of London? It’s the world’s oldest insurance underwriter, and in a real sense, it’s the reason Britain ruled the waves.

Before the mid-1600s, mounting a colonial expedition to the New World was so risky a proposition that only governments could afford to do it. Spain, of course, had a New World colonial empire a hundred years before England did– but despite the benefits in gold and precious metals, in many ways the colonial experience was a drain on the Spanish Empire, an extractive enterprise with all the diminishing returns of every extractive enterprise. (In the long run, extracting resources from a colony ends up costing more than the value received, which is one reason the South American colonies were eventually abandoned by the Spanish and Portuguese, or left to flounder under disengaged administration.) In the mid-1600s, in England (and more or less simultaneously in the Netherlands) that reality began to change.

Thanks to insurance.

In a coffee house in London, owned by a man named Lloyd, a group of wealthy merchants came together to pool their resources in a mutual insurance fund. The situation was simple: an almost-predictable number of colonial expeditions were certain to fail, and an almost-predictable number of ships were going to be lost at sea in any given period of time. The problem was, despite all of a merchant’s best efforts, there was no way to know which expedition and which ships would fail or be lost. Any merchant who financed a ship was as likely (or unlikely) to lose his investment as any other merchant. You couldn’t know in advance, which meant there was no way to mitigate the risk of your investment by yourself. Potentially your entire livelihood was in danger on a single roll of the dice. Only a madman would take such a risk (which is why most early colonial expeditions were led by madmen or religious cults).

However… if a group of merchants, each with his own expedition or his own ship, could be persuaded to pool their individual risk exposure, and to share the risk, what was potential financial suicide for an individual would become a reasonable loss spread across a group of individuals.

Shared risk made individual investment and national expansion possible.

Insurance empowered trade; trade created profits; profits created wealth; wealth created opportunity for individuals and the nation alike; individuals flourished and the nation became an Empire.

True, rational conservatives know this. Insurance– that is, shared risk across a group to protect the individual against predictable dangers– is a fundamental building block in business and finance. The Republican party, supposedly the party of responsible business, knows that insurance is a vital component in business, and, by extension, in life as a whole.

So why do they lie about it? Why would Paul Ryan, in his defense of the indefensible Trumpcare anti-insurance bill presently before Congress, describe the basic premise of insurance as “the fatal conceit of Obamacare”?

This is what Paul Ryan said:

“The fatal conceit of Obamacare is that we’re just going to make everybody buy our health insurance at the federal level, young and healthy people are going to go into the market and pay for older, sicker people. So the young healthy person’s going to be made to buy health care, and they’re going to pay for the person, you know, who gets breast cancer in her 40s, or who gets heart disease in his 50s … The people who are healthy pay for the people who are sick. It’s not working, and that’s why it’s in a death spiral.”

Paul Ryan, the supposed policy expert who supposedly understands economics and business, is describing the basic premise of insurance– insurance, which made possible the world we currently live in– as a “fatal conceit.”

Either Paul Ryan is an idiot who doesn’t know what he’s talking about, doesn’t understand Business 101, doesn’t know even high school economic theory– or he’s a mendacious liar playing to the ignorance, greed, and prejudice of the Republican base.

My bet’s on the later.

Shared risk is the basis of business investment; it’s at the root of every modern economy; it is the DEFINITION of society.

Universal health insurance isn’t an imposition on individual freedom: it’s a guarantee of individual freedom, a recognition that what might destroy us as individuals can be borne easily by all of us as a group. It empowers the individual to take risks he or she would otherwise never consider. It strengths the group by sharing a common burden.

It makes nations into Empires.

my heart surgery earlier this year (BEFORE my two week stint in the hospital back in june) racked up a bill of 78k. thanks to my employer health insurance, I’m only responsible for 2300. I’m…..never leaving this company. I’m going one hundred percent corporate, kids, and I’m never looking back.

Hello friends! Some of you will remember that I had a biopsy last week.

The bad news is that I have thyroid cancer.

The first good news is that it’s very treatable, the second good news is that I live in an area with world-class medical care (thank you, Boston), the third good news is that I have excellent health insurance (thank you, employer!) and the fourth good news is that I work with medical professionals, all of whom are very supportive and helpful.

I might be scarce around these parts, but more good news: my queue is all filled up, so you won’t even miss me! :D

anonymous asked:

How long have you been with your husband?

Aw, that’s a sweet question.

I met him through a friend in college in 2003 (her brother), but we didn’t start dating until 2005. I’m very tolerant and my friend and her family was/is very Evangelical and anti-everything my liberal heart bleeds for, so I just assumed he was, too, and didn’t pursue it. I was happily wrong.

We got engaged in 2006. His mother wept (not tears of joy – I am a lapsed Catholic, after all, and God help us if they ever find out about the Vodou). But we didn’t get married until June 6, 2009. He searched almost three-years to get a job with health insurance thanks to the start of my invisible illness needing so much care. We no longer have that insurance.

So, I’ve “been with” him almost 12-years in December.

-Mama Odie

5

Please remember that paid readings are open. After busting my butt, I am only 40$ from being able to replace my windshield after my Sister helped me pay my insurance (Thank you so much, Vighild. (whenever you see this) I love you so so much. More than words can express!)

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Please do consider!

Love and light to you and yours
♡Lagertha
paypal.me/LagerthaS

hi everyone

I’m Wade, I’m a nonbinary autistic guy and I’m on testosterone thanks to my parents insurance. I’ve been on it since February, and now I’m already getting a little facial hair! It’s very exciting.

However, I don’t have a binder, and I am not out yet at school. My plan was to grow out my facial hair over summer break so when class started again I could have a new identity of a sort and hopefully pass during school hours, since I didn’t think it would come in so fast. I’m a DD cup, so I can’t even really hide that by dressing a certain way.

I’m currently unemployed, and living with roommates. I get gas and food on 250 a month. I take odd jobs whenever I can, and with that income I can survive for the month. However, I can’t afford any extra expenses, like a binder that would fit me comfortably or shaving supplies. 

I would really appreciate it if you could consider donating to my paypal, buying me art supplies from my amazon wishlist, or buying something from my redbubble or etsy.

paypal: wadethethundergraham@gmail.com

amazon wishlist

redbubble

etsy

If you’re interested in art commissions, my art tumblr is here. I’ll be putting together a commission post over the next few days. 

Also, if you like the cases on my etsy but I don’t have your case type, please tell me! I would love to make you one with what you need.

If you can, please spread this! I would really appreciate it. my current goal is shaving supplies and a binder.