taichi-kungfu:

Considering that a program should be developed around a person’s biology, age, goals, diet, free time, etc, there’s a lot of factors I can’t get in through email that would allow me to tailor a program specific to you.

dollsonmain:

teaspellsandsecrets:

elodieunderglass:

anamatics:

thevelvetdevil:

smallercomfort:

luchia13:

hey guys psa regarding hospital bills

don’t just pay it. do not automatically pay the hospital bill when you receive it. call your health insurance provider and POLITELY say, “excuse me, i just received a bill for $1200 for my hospital visit/ER visit/etc., is that the correct amount i’m supposed to pay?” because hospitals bill you before your health insurance and they will take your money no matter how the amount due may change based on your health insurance looking at it. 90% of the time, if your health insurance is in any way involved in the payment of that bill, you do not have to pay as much as the hospital is billing you for. call your health insurance provider first, and POLITELY request clarification, always remember that the person you are talking to is human and this is just their job, and then you will very likely find out you actually only owe $500.

don’t shout at anyone about it, don’t get mad, just understand that this is The Way Things Are right now and call your health insurance provider before paying the bill your hospital just sent you. there’s a chance the hospital bill might be correct, true, but call your health insurance provider.

THIS IS SUPER IMPORTANT. after my car accident last year the hospital billed me ~$8000. They sent me letters asking me to pay, and I called them back saying my insurance was processing the claim. This is also what I told the collection agency when they kept calling me about the $1000 emergency room fee (billed separately from the hospital fee, mind you). Once everything got straightened out, all I was actually liable for was my $200 emergency copay.

!!!!!!! things my ass didn’t know !!!!!!!!

Yes this is a life lesson my adulting ass didn’t know I needed and I’m out 80 bucks for an anti-nausea pill. 😒😒😒😒😒

Reblogging for American friends.

Also, it is important [for people receiving medical care in the USA] to carefully read all of the items on the medical bill and look for errors and overcharges. I know that the normal feelings of avoidance and dread can make it hard to look at scary hospital bills, and that’s okay! But as the OP mentions, private orgs like hospitals don’t monitor overpayment of bills - they are motivated to charge you extra - and it is basically impossible to get your money back. Read the bill carefully and make sure that the charges are correct, using the links below for help if you need. If they haven’t sent you an itemized list, you can ask for one. Sometimes you will be charged extra for items or treatment you didn’t receive. Most people don’t know that you can dispute medical bills! But in 2009, Consumer Reports stated that 8 out of 10 medical bills scrutinized by a watchdog had errors, and generally you are not obligated to pay for someone else’s error.

You may be charged for using medication that you actually brought into the hospital with you - that’s easy to dispute! You may be charged for the consumables used during your stay such as sheets, gloves, gowns, etc - the hospital should actually cover that under its running budget. You may be charged for a brand name drug if the generic was available for cheaper - the links below explain how and when you can dispute this. You may be charged a surprisingly expensive “oral administration fee” (where a nurse puts pills for you to take in a little clean paper cup and then hands it to you) but that’s worth disputing if you were actually able to take the pill out of a bottle and put it in your own mouth. And so on.

8 Things You Should Know About Challenging a Medical Bill (FORBES) (includes links to sites that help you calculate how much a procedure/treatment usually costs in your area, if the costs seem super high)

7 Tips for Fighting and Paying A Huge Medical Bill (FORBES) This explains briefly how to negotiate costs, and payment plans.

10 Common Medical Billing Overcharges You Can Prevent (Bill Advocates) A breakdown of errors and overcharges to double check.

Check medical bills for errors: Overcharges are fairly common, and correcting them can save you thousands of dollars (Consumer Reports) More of the same with links to some groups.

Ugh one thing I loved about Thailand was I had a hospital visit, filled out a (half) sheet of paper, saw the doctor, had tests run and got 5 medications under 45 minutes all for $60 flat no insurance needed.

Get it together America.

Another one for people in the US: I got an ER bill reduced from 1300.00 to 125.00 by writing a letter of hardship explaining I am unemployed, uninsured, and unwed, and also pointing out they’d billed me for one test twice by writing it in differently each time.

Still had to pay $750 for the ambulance ride.

capacity:

This is the most legendary tweet I’ve ever read to this day

(Source: universal-invariants)

thundaja:

anthonii-chan:

Black Friday is over and my manager slapped me with $10,000

reblog the money gamestop to get beat over the head with cash

(Source: gundambarbatos)

mypsychology:

Let us know how you guys like this? Want to see us create more graphics around interesting and real psych facts?

psych2go:

Read More Here: 9 Unhealthy Behaviors Adults Have After Going Through  Childhood Trauma - Psych2Go

twodeeweaver:

Naydra (colored)

The ice dragon from Breath of the Wild, done in a Mesoamerican style.

ghettoinuyasha:

carbonoid-reblogs:

cctreasuretrove:

lexiconluthor:

Tag Yourself

I’m the sleep walker, lol
He’s great!

I’m sassy

this is a Great walking cycle reference for artists and animators! also I’m old timey fighter

vitaars:

lolitaofjustice:

its–ok–to–shine:

dailypsychologyfacts:

Signs of Covert Narcissistic Abuse | psych2go x Lesly 

THIS IS LITERALLY MY EX SPOT ON ITS UNREAL

literally two of my ex friends what the fuck

This shit is so crazy and surreal.

Most of my life (quite literally since I was young) i’ve been abused by so called ‘best friends’ and I always realized how toxic they were after years.

I can’t tell you the pain I went through in those years, i just can’t find the right words.

Believe it or not it shapes you as a person and looking back to those times still fucks with my mentality. I don’t think I’ll ever get over it.

Abusive friends are overlooked and not seen often and it’s painful.

To everyone reading this, I highly advise you to watch this video. If you are in such a relationship or friendship get out of it.

chickenfarmersan:

life-of-a-wilderness-explorer:

I almost failed my fucking physics test because I had this stuck in my head

organized-studies:

kindnessandgoodvibrations:

kindnessandgoodvibrations:

ghostoftwentysomethingspresent:

madsciences:

awfullydull:

markrial:

tramampoline:

slow-riot:

Weirdly anti-millennial articles have scraped the bottom of the barrel so hard that they are now two feet down into the topsoil

its so wild like “this generation with no fucking money is learning to prioritize essentials” and all these chucklefucks can write is advertisements for these companies

at least our jeans won’t tear at the seams after two washes

FUCK FABRIC SOFTENER IT’S UTTERLY POINTLESS

AND FUCK DRYER SHEETS LITERALLY NOBODY EVER HAS ENOUGH OF A PROBLEM WITH STATIC TO WARRANT PAYING OUT THE ASS FOR THAT SHIT

DO YOU WANT CLEAN CLOTHES? YOU DON’T EVEN NEED TO BUY FUCKING DETERGENT JUST MAKE YOUR OWN* IT’S SO GODDAMN EASY AND 80X CHEAPER

FUCK THE ENTIRE LAUNDRY INDUSTRY

*Fuck The Entire Laundry Industry Recipe

1 cup Washing Soda (not Baking Soda. Different things.)

1 cup Borax (not Boric Acid. Also a different thing.)

½ cup - 1 cup grated bar soap (you can use literally anything. I often use Ivory because it’s easy to get and I find it works well, a lot of people like Fels-Naptha, which is an actual laundry bar. Some people use Dr. Bronner’s. Really does not fucking matter.)

After grating your soap, combine all ingredients. That’s it. That’s the whole thing. Use maybe a ¼ cup per load.

^^^ I’ve done this for years now and it works as well as any store bought detergent

WHAT
Thank you, tumblr user awfullydull! Your URL does no justice to the good advice you give!

Also you can MAKE your own washing soda very VERY cheaply.

Step one: acquire $5 bag of baking soda from Costco.

Step two: lay that motherfucking baking soda out on a baking tray.

Step three: bake the baking soda on a tray in an oven at 400° for 1 hour (to make the moisture evaporate, leaving washing soda)

Step four: revel in how easy and cheap it is to make your own washing soda, and maybe take a moment to be angry that the industry upcharges the fuck out of something that is so easy to make.

I see some of y'all complaining about static and/or wanting nice smelling laundry. Go to a craft store, find 100% wool yarn balls. If it doesn’t come in a ball, ask an employee to make it into a tight ball for you. Wash in the washing machine to make it felted. Remove from washer, add a few drops of essential oil to the ball, allow to seep in. Dry with clothing. Doesn’t need to be rewashed ever, and if it stops smelling, add few more drops of essential oil. Bam, reusable dryer sheets.

I love this post so much it’s filled with helpful advice, hatred, saving money, and fucking the system all in one

honeynutfemios:

fromrushhourwithlove:

kingof-memes:

Our Leader. He is us. We are him.

HOW DID YOU GET HANDS

HOW DID YOU GET HANDS

HEY
HOW DID YOU GET HANDS
HOW DID YOU GET HANDS
HOW DID YOU GET HANDS
HOW DID YOU GET HANDS
HOW DID YOU GET HANDS

HOW DID YOU GET HANDS
HEY
HOW DID YOU GET HANDS

This is the opposite of that one video where a guy walks towards a group of cats wearing a cat mask only for all of them to run away from him.

(Source: yermemeblog)

shotgunheart:

I have seen this post countless times but never once did the twitter account name register to me. This is just relatable.

(Source: ithelpstodream)

dreamsnufkin:

Style Bible Life Ball 2014 photos (unretouched) by Inge Prader