#lower health insurance costs

[dontmeantobepoliticalbut]

President Joe Biden will call for expanding a new cap on insulin prices to all Americans as part of his State of the Union address, the White House said Monday.

During the Tuesday speech, Biden plans to tout his administration’s efforts to make health care more affordable, which included imposing a $35-per-month limit on insulin that took effect in January.

But that price cap, which was passed as part of last year’s Inflation Reduction Act, only applied to those beneficiaries covered by Medicare. Biden is now expected to renew his push for the policy to be applied to anyone with an insulin prescription, the White House said in a fact sheet.

“The President will call on Congress to extend this commonsense, life-saving protection to all Americans,” the fact sheet said.

Democrats had originally planned to pass a universal insulin price cap last year as part of the Inflation Reduction Act, which was passed along party lines last August. But the policy was scaled back after Republicans successfully challenged its inclusion. Democrats since then have vowed to continue to push for its passage, arguing that it’s broadly popular and crucial to ensuring that people can afford essential medicines.

Still, Biden’s fresh support for expanding the price cap is unlikely to result in much concrete progress. Republicans remain opposed to the measure, and are unlikely to even allow a vote on it in the House now that they control the chamber.

Biden during his State of the Union speech is also expected to highlight a handful of other health care accomplishments, including landmark legislation granting Medicare the right to negotiate drug prices and cap certain out-of-pocket pharmacy costs. He will celebrate the three latest states to expand their Medicaid programs, while urging Congress to pass legislation that would close coverage gaps in the 11 holdout states that have yet to expand Medicaid.

The President also plans to call for continuing to lower health insurance costs, pointing to expanded Obamacare subsidies that the administration estimates lowered customers’ premiums by an average of $800 per year and pushed the nation’s uninsured rate to an all-time low.

#us politics #news #politico #2023 #president joe biden #biden administration #state of the union #affordable healthcare #us healthcare #Inflation Reduction Act #medicare #universal insulin price cap #the right to negotiate drug prices #cap out-of-pocket pharmacy costs #expand Medicaid #lower health insurance costs #expand Obamacare subsidies

[vydumaj]

both my mom and my sister really need to contact hospitals rn and it’s stressing me outttt

#in mom’s case it might be something chronic like she was at risk for arthritis #but she doesn’t want to call because she ‘should have improved her insurance first’ and…I get it but it’s already too late to get ‘better #insurance’ for this since she’s got one meeting with a rheumatism doctor in her log #she won’t get better insurance and it’s just getting worse…quickly #in my sister’s case she’s had some kind of clearly very distressing pain since Monday night #in the lower part of her tongue and now she’s saying it’s spreading backwards in her mouth but she won’t call 1177 because ‘it’s too tiring’ #they’re both stressing me out !!!!! please just go to the hospital before it gets worse jfc #rant #I get they don’t want to spend a lot of money on meds or end up getting expensive treatments but…if it’s actually serious stuff they’re #gonna end up paying anyway :/ #in my sisters case she shouldn’t even have to worry about costs I think she’ll at most end up paying like 100€…which is a lot of money but #globally? for health care? :/ not really #she just doesn’t want to call and sit in the phone queue… but she’s also too distracted by the pain t eat comfortably and discuss what we #should do…idk

[brunetterightsactivist]

So tempted to cancel the dentist appointment I have on Thursday lol like the dentist is always like “why haven’t you done this yet” and whatever they want you to do is gonna be at least $200

#I just paid like $400 for a cleaning and x rays #how about lower all your costs wtf #dental insurance doesn’t even save you money bc it’s so expensive #and it literally covers almost nothing #why is dental not just under health insurance I’ll #never get that

[lookingforcactus]

A big cost and concern for many seniors in the U.S. is the price of prescription drugs and other healthcare expenses—and this year, thanks to The Inflation Reduction Act, their costs may go down dramatically, especially for patients fighting cancer or heart disease.

I learned about the new benefits because my ‘Medicare birthday’ is coming up in a couple months when I turn 65. I was shocked that there were so many positive changes being made, which I never heard about on the news.

Thousands of Americans on Medicare have been paying more than $14,000 a year for blood cancer drugs, more than $10,000 a year for ovarian cancer drugs, and more than $9,000 a year for breast cancer drugs, for instance.

That all changed beginning in 2023, after the Biden administration capped out-of-pocket prescriptions at $3,500—no matter what drugs were needed. And this year, in 2024, the cap for all Medicare out-of-pocket prescriptions went down to a maximum of $2,000.

“The American people won, and Big Pharma lost,” said President Biden in September 2022, after the legislation passed. “It’s going to be a godsend to many families.”

Another crucial medical necessity, the shingles vaccine, which many seniors skip because of the cost, is now free. Shingles is a painful rash with blisters, that can be followed by chronic pain, and other complications, for which there is no cure

In 2022, more than 2 million seniors paid between $100 and $200 for that vaccine, but starting last year, Medicare prescription drug plans dropped the cost for shots down to zero.

Another victory for consumers over Big Pharma affects anyone of any age who struggles with diabetes. The cost of life-saving insulin was capped at $35 a month [for people on Medicare].

Medicare is also lowering the costs of the premium for Part B—which covers outpatient visits to your doctors. 15 million Americans will save an average of $800 per year on health insurance costs, according to the US Department of Health and Human Services.

Last year, for the first time in history, Medicare began using the leverage power of its large patient pool to negotiate fair prices for drugs. Medicare is no longer accepting whatever drug prices that pharmaceutical companies demand.

Negotiations began on ten of the most widely used and expensive drugs.

Among the ten drugs selected for Medicare drug price negotiation were Eliquis, used by 3.7 million Americans and Jardiance and Xarelto, each used by over a million people. The ten drugs account for the highest total spending in Medicare Part D prescription plans...

How are all these cost-savings being paid for?

The government is able to pay for these benefits by making sure the biggest corporations in America are paying their fair share of federal taxes.

In 2020, for instance, dozens of American companies on the Fortune 500 list who made $40 billion in profit paid zero in federal taxes.

Starting in 2023, U.S. corporations are required to pay a minimum corporate tax of 15 percent. The Inflation Reduction Act created the CAMT, which imposed the 15% minimum tax on the adjusted financial statement income of any corporation with average income that exceeds $1 billion.

For years, Americans have decried the rising costs of health care—but in the last three years, there are plenty of positive developments.

-via Good News Network, February 25, 2024

#united states #medicare #healthcare #healthcare access #big pharma #prescription drugs #health insurance #us politics #good news #hope #seniors #aging #healthy aging

[batboyblog]

Things Biden and the Democrats did, this week #7

Feb 23-March 1 2024

The White House announced $1.7 Billion in new commitments from local governments, health care systems, charities, business and non-profits as part of the White House Challenge to End Hunger and Build Healthy Communities. The Challenge was launched with 8 billion dollars in 2022 with the goal of ending hunger in America by 2030. The Challenge also seeks to drastically reduce diet-related diseases (like type 2 diabetes). As part of the new commitments 16 city pledged to make plans to end hunger by 2030, the largest insurance company in North Carolina made nutrition coaching and a healthy food delivery program a standard benefit for members, and since the challenge launched the USDA's Summer EBT program has allowed 37 states to feed children over the summer, its expected 21 million low income kids will use the program this summer.

The US House passed a bill on Nuclear energy representing the first update in US nuclear energy policy in decades, it expands the Nuclear Regulatory Commission and reduces reducing licensing fees. Nuclear power represents America's single largest source of clean energy, with almost half of carbon-free electricity coming from it. This bill will boost the industry and make it easier to build new plants

Vice President Harris announced key changes to the Child Care & Development Block Grant (CCDBG) program. The CCDBG supports the families of a million American children every month to help afford child care. The new changes include capping the co-pay families pay to no more than 7% of their income. Studies show that high income families pay 6-8% of their income in childcare while low income families pay 31%. The cap will reduce or eliminate fees for 100,000 families saving them an average of over $200 a month. The changes also strength payments to childcare providers insuring prompt payment.

The House passed a bill making changes to the Small Business Administration’s 8(a) program. The 8(a) is an intensive 9 year program that offers wide ranging training and support to small business owners who are socially and economically disadvantaged, predominantly native owned businesses. Under the current structure once a business reaches over 6.8 million in assets they're kicked off the program, even though the SBA counts anything under $10 million as a small business, many companies try to limit growth to stay on the program. The House also passed a bill to create an Office of Native American Affairs at the SBA, in order to support Native-owned small businesses.

The White House and HUD announced steps to boost the housing supply and lower costs plans include making permanent the Federal Financing Bank Risk Sharing program, the program has created 12,000 affordable housing units since 2021 with $2 billion and plans 38,000 additional units over ten years. As well as support for HUD's HOME program which has spent $4.35 billion since 2021 to build affordable rental homes and make home ownership a reality for Americans. For the first time an administration is making funds available specifically for investments in manufactured housing, $225 million. 20 million Americans live in manufactured housing, the largest form of unsubsidized affordable housing in the country, particularly the rural poor and people in tribal communities.

The Department of Energy announced $336 million in investments in rural and remote communities to lower energy costs and improve reliability. The projects represent communities in 20 states and across 30 Native tribes. 21% of Navajo Nation homes and 35% of Hopi Indian Tribe homes remain unelectrified, one of the projects hopes to bring that number to 0. Another project supports replacing a hydroelectric dam in Alaska replacing all the Chignik Bay Tribal Council's diesel power with clear hydro power. The DoE also announced $18 million for Transformative Energy projects lead by tribal or local governments and $25 million for Tribal clean energy projects, this comes on top of $75 million in Tribal clean energy projects in 2023

Transportation Secretary Pete Buttigieg put forward new rules to ensure airline passengers who use wheelchairs can travel safely and with dignity. Under the planned rules mishandling a wheelchair would be a violation of the ACAA, airlines would be required to immediately notify the passenger of their rights. Airlines would be required to repair or replace the wheelchair at the preferred vendor of the passenger's choice as well as provide a loaner wheelchair that fits the passenger's needs/requirements

The EPA launched a $3 Billion dollar program to help ports become zero-emission. This investment in green tech and zero-emission will help important transportation hubs fight climate change and replace some of the largest concentrations of diesel powered heavy equipment in America.

the EPA announced $1 Billion dollars to help clean up toxic Superfund sites. This is the last of $3.5 billion the Biden administration has invested in cleaning up toxic waste sites known as Superfund sites. This investment will help finish clean up at 85 sites across the country as well as start clean up at 25 new sites. Many Superfund sites are contained and then left not cleaned for years even decades. Thanks to the Biden-Harris team's investment the EPA has been able to do more clean up of Superfund sites in the last 2 years than the 5 years before it. More than 25% of America's black and hispanic population live with-in 5 miles of a Superfund site.

Bonus: Sweden cleared the final major barrier to become NATO's 32nd member. The Swedish Foreign Minster is expected to fly to Washington to deposit the articles of accession at the US State Department. NATO membership for Sweden and its neighbor Finland (joined last year) has been a major foreign policy goal of President Biden in the face of Russian aggressive against Ukraine. Former President Trump has repeatedly attacked NATO and declared he wants to leave the 75 year old Alliance, even going so far as to tell Russia to "do whatever the hell they want" with European NATO allies

#Thanks Biden #Joe Biden #Politics #US politics #Democrats #Climate change #end hunger #hunger #proverty #disability #native Americans #tribal rights #clean energy #child care #housing #housing crisis

[reasonsforhope]

Flint, Michigan, has one of the [United States]'s highest rates of child poverty — something that got a lot of attention during the city's lead water crisis a decade ago. And a pediatrician who helped expose that lead problem has now launched a first-of-its-kind move to tackle poverty: giving every new mother $7,500 in cash aid over a year.

A baby's first year is crucial for development. It's also a time of peak poverty.

Flint's new cash transfer program, Rx Kids, starts during pregnancy. The first payment is $1,500 to encourage prenatal care. After delivery, mothers will get $500 a month over the baby's first year.

"What happens in that first year of life can really portend your entire life course trajectory. Your brain literally doubles in size in the first 12 months," says Hanna-Attisha, who's also a public health professor at Michigan State University.

A baby's birth is also a peak time for poverty. Being pregnant can force women to cut back hours or even lose a job. Then comes the double whammy cost of child care.

Research has found that stress from childhood poverty can harm a person's physical and mental health, brain development and performance in school. Infants and toddlers are more likely than older children to be put into foster care, for reasons that advocates say conflate neglect with poverty.

In Flint, where the child poverty rate is more than 50%, Hanna-Attisha says new moms are in a bind. "We just had a baby miss their 4-day-old appointment because mom had to go back to work at four days," she says...

Benefits of Cash Aid

Studies have found such payments reduce financial hardship and food insecurity and improve mental and physical health for both mothers and children.

The U.S. got a short-lived taste of that in 2021. Congress temporarily expanded the child tax credit, boosting payments and also sending them to the poorest families who had been excluded because they didn't make enough to qualify for the credit. Research found that families mostly spent the money on basic needs. The bigger tax credit improved families' finances and briefly cut the country's child poverty rate nearly in half.

"We saw food hardship dropped to the lowest level ever," Shaefer says. "And we saw credit scores actually go to the highest that they'd ever been in at the end of 2021."

Critics worried that the expanded credit would lead people to work less, but there was little evidence of that. Some said they used the extra money for child care so they could go to work.

As cash assistance in Flint ramps up, Shaefer will be tracking not just its impact on financial well-being, but how it affects the roughly 1,200 babies born in the city each year.

"We're going to see if expectant moms route into prenatal care earlier," he says. "Are they able to go more? And then we'll be able to look at birth outcomes," including birth weight and neonatal intensive care unit (NICU) admissions.

Since the pandemic, dozens of cash aid pilots have popped up across the nation. But unlike them, Rx Kids is not limited to lower-income households. It's universal, which means every new mom will get the same amount of money. "You pit people against each other when you draw that line in the sand and say, 'You don't need this, and you do,' " Shaefer says. It can also stigmatize families who get the aid, he says, as happened with traditional welfare...

So far, there's more than $43 million to keep the program going for three years. Funders include foundations, health insurance companies and the state of Michigan, which allocated a small part of its federal cash aid, known as Temporary Assistance for Needy Families.

Money can buy more time for bonding with a baby

Alana Turner can't believe her luck with Flint's new cash benefits. "I was just shocked because of the timing of it all," she says.

Turner is due soon with her second child, a girl. She lives with her aunt and her 4-year-old son, Ace. After he was born, her car broke down and she was seriously cash-strapped, negotiating over bill payments. This time, she hopes she won't have to choose between basic needs.

"Like, I shouldn't have to think about choosing between are the lights going to be on or am I going to make sure the car brakes are good," she says...

But since she'll be getting an unexpected $7,500 over the next year, Turner has a new goal. With her first child, she was back on the job in less than six weeks. Now, she hopes she'll be able to slow down and spend more time with her daughter.

"I don't want to sacrifice the time with my newborn like I had to for my son, if I don't have to," she says."

-via NPR, March 12, 2024

#united states #flint michigan #michigan #cash aid #basic income #poverty #poverty relief #child poverty #mothers #pregnancy #prenatalcare #healthcare #healthcare access #public health #child development #good news #hope

[amaditalks]

Every year all of the big diet companies have to come up with some brand new labeling for their plans in order to encourage people to get on the January weight loss train.

This year, Weight Watchers is going further than they’ve ever gone before, by announcing that they have created a new system to give their members access to prescriptions for drugs like Ozempic and Mounjaro.

Let me remind you that these drugs only work while you’re taking them. As soon as you stop, all of your appetite comes back. Your desire to eat returns, and because it has been artificially suppressed it may feel much stronger and less controllable than it was before you took the drugs. Many people who come off these drugs, usually because of cost (because insurers are balking at coverage for weight loss) or shortages (because so many people are taking them for weight loss, which is leaving the diabetics who need them up shit creek) or side effects report that the first weeks are really difficult, mentally painful and often binging occurs.

Additionally, all of these drugs carry a real risk of creating a terribly painful and potentially deadly condition called Gastroparesis, in which your gastrointestinal system just stops functioning, you cannot digest and process food at all.

You do not need to lose weight to be healthy. You do not need to lose weight to be beautiful or attractive, to have success, or love. You do not need to lose weight in order to pursue fitness. If you have particular health needs or goals that can only be achieved by changing the way you eat, (e.g. lowering cholesterol or blood glucose or addressing gastro issues) that does not mean that you need a weight loss diet plan, just one designed toward your needs.

But more than anything, you do not ever need to put another penny into the coffers of the multibillion dollar weight loss industry, which, if it actually had a way to take a fat person and make them thin permanently (something that cannot even be achieved by surgeries that drastically rearrange digestive systems) would be a multi quadrillion dollar industry instead. 

#cw: weight loss #cw: weight loss drugs #weight watchers #ozempic #mounjaro #diabetes drugs for fat people #new year new you old bullshit #health at every size #fatphobia

[socialjusticeinamerica]

They don’t even know of a time when life was better in America. Actually Gen X was the first generation in America not to do better than their parents. The same being true for the last few years of the Boomer generation. Y also is struggling.

The lady Boomers and X’ers remember what it was like before Reagan took over and busted unions in 1980. Wages dropped, factory owners took their shops to the Deep South where unions had long since been busted or never allowed to set up in the first place. Then the oligarchs outsourced their work and shuttered factories nationwide.

Before Reagan one parent working 40 hrs a week at a union job could afford a mortgage, a new car, medical insurance, and college for their 2.5 kids. That also applied to “minorities” or marginalized people who benefitted from union protections and negotiated standard pay scales.

With Reagan a home went from two years salary to 10+ years salary. Tuition did the same. Cars that cost a month’s salary soared to a year’s salary. Wages have remained stagnant for about 40 years. The wealthy paid high taxes and we had everything. Now the remnants of the middle class pay the bulk of taxes while multimillionaires and billionaires pay little or even nothing. Credit card interest soared to over 20% in some cases while Republikkkans passed laws making it easier for those card companies to sue you whilst making it nearly impossible for you to sue them. Mentally disabled people were literally dumped into the streets causing widespread homeless which is criminalized in affluent areas and red states. Guns and drugs flooded the streets. Bigoted white nationalists became radicalized when Reagan granted Australian Rupert Murdoch citizenship so he could open Fox News and then shut down the Fairness Doctrine so propaganda could be spread under the guise of news.

All the societal problems we suffer today began with the birth of the modern RepubliKKKan party led by their racist Dotard Ronald Reagan in 1980. The GOP became an organized crime syndicate and the government became a tool for the rich. The middle class shrunk from a sizeable percentage of the population to a handful of areas in the north and along the west coast. Many foolish people believe themselves to be in the middle class but in fact they are just perpetual debtors.

If you’re young your first reaction might be to blame the Boomers because that’s incorrectly become a marketed belief. The Boomer generation fought against the GOP and its wars, racism, pollution, big oil, corporate welfare, and black hole military industrial complex. They were the hippies and political activists that marched on Washington and other places. They booted the racist Dixiecrats (southern conservative racist Dems) from the Democratic Party while shifting educated liberals left. Sadly the GOP under Nixon and his colleagues welcomed the racists and conservative nut jobs. Don’t fight a generational war when you should be fighting a class/culture/political war.

The younger generation needs to educate itself about the political parties and how life was better just a few decades back and begin to vote. Vote, then organize in the workplace through unions and in the streets to attract more young voters and to counter protest the Republikkkan right-wing oligarch take-over of America. Complaining and taking refuge in the internet won’t turn things around. Become politically active, become stoke, bring back lower tuition, affordable health care, labor unions, workers rights, voters rights, etc.

[femmefatalevibe]

Femme Fatale Guide: How To Master Your Money & Tips On Financial Literacy

Understanding and taking control of your finances improves your quality of life in many ways. Making strides toward better financial literacy can save you a lot of stress, unnecessary fees and helps you play a more active role in taking control over this aspect of adulthood. Once you understand the game of money, saving, and investing, it becomes infinitely simpler to devise a plan to set yourself up for a more financially-free future. Here are some practical tips to keep your finances streamlined, secure, and systemized to help you gain more financial literacy and win in this area of life.

Overview:

Track Your Income & Expenses

Set Financial Goals & Realistic Limitations

Invest Higher-Quality Items To Save Later

Educate Yourself On Different Types of Banking & Investment Accounts

Establish Credit, But Know Yourself

Create An Emergency Fund

Leverage Credit Card Benefits

Understand The Power of A Roth IRA (or Backdoor Roth IRA) & HSA

Automate Whenever Possible

Get Familiar With Taxes & Write-offs

Stay Informed About Employer Benefits

Purchase Seasonally & With Discount Codes (When Available)

Protect Yourself

Read Books

Seek Expert Advice

TIPS ON MASTERING FINANCIAL LITERACY:

Track Your Income & Expenses: Always have a record of all of the money going in and out of your accounts. Use the tool on your banking account app(s) to confirm your monthly income and expenses. Tools like Mint also are great to track your spending to see where every dollar is going all in one place. Aside from personal use, for small business owners, Quickbooks is my favorite invoicing and expense-tracking option. 

Set Financial Goals & Realistic Limitations: Once you know your exact monthly income, budget your essentials, savings, investments, and fun money accordingly. Make sure necessities like rent, food, health insurance, electricity, WiFi, toiletries, etc. are accounted for before anything else. Depending on your financial situation, experts (not me – I try to educate myself as best as I can, but am no expert!) recommend trying to save and invest between 15-30% of your pre-tax income. Give yourself the liberty to spend the rest (say 15-20%) of your income, so you don’t feel deprived and stay on track with your goals.  

Invest Higher-Quality Items To Save Later: Initially purchasing a higher-quality item often cuts your overall expenses in a certain area over the long run. (Ex: Well-made clothing, shoes, furniture, kitchen appliances, coffee maker, hair dryer, etc.). If you invest upfront on an item you regularly use, there’s a lower chance that it will deteriorate, rip, break, or otherwise become unusable for the next few years. When you opt for the cheaper option, this practice might save you a few bucks in the short term, but you will probably end up having to replace it a few times over time and spend more in the long run. This tip might seem counterintuitive to some, but it truly does save you a lot of money (and frustration). However, I will place a caveat here and say that this advice comes from a place of privilege. Never purchase something you can’t afford. If you have the means, spend a bit more upfront - it is better for your future wallet, allows you to indulge in a better quality of life, and helps you let go of any scarcity mindset/financial limiting beliefs. 

Educate Yourself On The Different Types of Banking & Investment Accounts: Know the differences between and the use purpose of different accounts: Checking, Savings, CDs, 401K, Roth IRA, HSA, etc. Always opt for a high-yield savings account option to help preserve your money’s value over time with rising living costs and inflation. 

Establish Credit, But Know Yourself: Your credit score is like your adult report card. It’s essential for so many aspects of life, like renting or buying a home, insurance, cell phone plans, etc., so it’s important to start building your credit as early as you can. However, if you know you’re the type of person to overspend with a credit card, look into secured credit card options (you deposit the money that acts as a credit limit, so it’s like a debit card with credit-building benefits). 

Create An Emergency Fund: Pay yourself first. Have between 3-12 months of expenses available in a high-yield savings account at all times. If you have a family or are self-employed, aim for 6-12 months of necessary savings to stay sane. Saving this amount of money takes time. Be patient, and cut back on frivolous expenses if needed for the short term. 

Leverage Credit Card Benefits: If you have enough self-control, always use a credit card instead of a debit card – but spend in the same way you would as though the money is coming directly out of your bank account. This gives you additional flight and other purchasing perks, such as cashback and exclusive discounts. Using a credit card provides additional security, too.

Understand The Power of A Roth IRA (or Backdoor Roth IRA, depending on your income) & HSA: Compound interest is your best friend financially. Depending on your income, invest as much as you can into a Roth IRA account or set up a backdoor Roth IRA through your brokerage firm (I use Vanguard!). HSA (Health Saving Accounts) accounts offer so many benefits – they can serve as a tax write-off, lower your overall healthcare costs, and be leveraged to use as an additional retirement investment account, too (I use Fidelity). 

Automate Whenever Possible: Automate a portion of your paycheck to savings and your investments, so you never see this money. Pay yourself first before spending (on anything but necessities). 

Get Familiar With Taxes & Write-offs: This mainly applies to anyone self-employed or a small business owner (been in the game for 5 years!). However, this point can also potentially be beneficial for students who can leverage an education credit for tax purposes. Explore all of your options to see what write-offs are available in your specific situation. Understand how your income and expenses influence your tax bracket. Investing in a CPA can save you a considerable amount of money and all of your sanity if you’re not a salaried employee. Look over the standardized section C document, and speak with a professional to help maximize your write-off potential (legally and honestly, of course). My CPA is my lifeline! 

Stay Informed About Employer Benefits: Always maximize your 401K match (whatever percentage that is at your company), any wellness perks (like a gym membership or massage credit), or any meals and car services credits for late nights/work trips. 

Purchase Seasonally & With Discount Codes (When Available): Try to purchase items off-season when you can (e.g. purchase classic winter closet staples in the summer when they’re on sale). Utilize plug-ins like Honey or Cently on your browser to have discount codes for any site readily available. 

Protect Yourself: Stay on top of fraud alerts. Freeze your credit bureau accounts if necessary. 

Read Books: Educate yourself on saving, investing, budgeting, building a business, etc. See the ‘Finance’ section of my Femme Fatale Booklist for some recommendations. I also love Graham Stephan’s Youtube channel – his videos are highly useful and practical for beginners in this life arena! 

Seek Expert Advice: Use licensed professionals (CPAs, brokerage firms, your bank, etc.) as a resource, too, for your personal goals. 

This is a lot to take in, so try to implement one action item (or a few) at a time, so you can work towards your goals without getting overwhelmed. Also, for reference, I’m in the United States, so all of these tips are focused on how the system works in my country - if you know of any international equivalents, feel free to drop them in the comments to guide others.

Hope this helps xx 

#life advice #finance #adulting #femme fatale #dark femininity #dark feminine energy #it girl #hypergamy #high value woman #divine feminine #high value mindset #hypergamous #the feminine urge #success mindset #productivity #spending habits #entreprenuership #level up #self improvement #ideal self #female power #female excellence #personal growth #investing #girl advice #that girl #femmefatalevibe

[afeelgoodblog]

The Best News of Last Week - May 29, 2023

Rwanda’s life expectancy has increased by 20 years in the last 20 years

What did Rwanda change? Three developments stand out: low-cost community-based health insurance plans, national investments in rural health posts, and ramped-up foreign collaborations. In 2020, more than 90 percent of Rwanda’s people had some kind of health insurance. This stands out relative to other low-income countries, where on average 31 percent of people have health insurance.

2. Brandon School Division rejects call to remove library books on sexuality, gender identity

Loud cheers erupted inside a packed high school gymnasium after the Brandon School Division rejected a call to remove books dealing with sexuality and gender identity from libraries. Hundreds of people in Manitoba's second-largest city showed up for the marathon school division meeting, which ran into the early morning hours.

The trustees ultimately voted 6-1 to reject a proposal to create a committee of trustees and parents to review books available in division schools.

3. Lotto winner pledges to fund classrooms in his native Mali

Happiness for one lucky North Carolina resident comes not from newfound wealth from a lottery win, but using those winnings to help schoolchildren -- in this case, from Mali.

Souleymane Sana of North Carolina won $100,000 from a scratch-off ticket. Relocating to the United States from Mali -- a war-torn county in West Africa -- Sana is using his earnings to create a non-profit to help school kids from his hometown.

4. Mountain gorillas rebound thanks to Ugandan veterinarian

In 2018, as their population topped 1,000, they were removed from the critically endangered list and their status upgraded to just endangered. That positive step was due, in no small part, to Ugandan veterinarian Dr. Gladys Kalema-Zikusoka. 

Her working home is Bwindi Impenetrable National Park, home to roughly half of the world's mountain gorillas. But early on she also realized that to help the animals and keep them free from disease and poaching, she needed to also help their human neighbours, launching successful initiatives to improve the health and well-being of the people living around the park. 

5. Imports of ivory from hippos, orcas and walruses to be banned in UK

Ivory imports from hippopotamuses, orcas and walruses will be banned under new legislation to protect the endangered species from poaching.

The Ivory Act, passed in 2018, targeted materials from elephants, but a loophole meant that animals other than elephants, including hippos, were being targeted for their ivory.

6. Solar power due to overtake oil production investment for first time in 2023

Investment in clean energy will extend its lead over spending on fossil fuels in 2023, the International Energy Agency said on Thursday, with solar projects expected to outpace outlays on oil production for the first time.

Annual investment in renewable energy is up by nearly a quarter since 2021 compared to a 15% rise for fossil fuels, the Paris-based energy watchdog said in its World Energy Investment report.

7. Paralyzed man walks naturally, thanks to wireless ‘bridge’ between brain and spine

Gert-Jan Oskam lost the ability to walk in 2011 when he injured his spine in a cycling accident in China. Six years later, the Dutch man managed to take a few short steps thanks to a small array of electrodes implanted on top of his spinal cord that delivered nerve-stimulating pulses of electricity.

Today in Nature, an international team of researchers reports giving Oskam a better fix, a way to digitally bridge the communication gap between his brain and lower body. Brain waves signaling Oskam’s desire to walk travel from a device implanted in his skull to the spinal stimulator, rerouting the signal around the damaged tissue and delivering pulses of electricity to the spinal cord to facilitate the movement. Oskam can now walk more fluidly, navigate obstacles, and climb stairs.

----

That's it for this week :)

This newsletter will always be free. If you liked this post you can support me with a small kofi donation:

Buy me a coffee ❤️

Also don’t forget to reblog.

SUBCRIBE HERE for more good news in your inbox

#best news of last week

[kp777]

By Jessica Corbett

Common Dreams

March 20, 2024

"Trump has tried to walk back his support for Social Security and Medicare cuts," said the head of Social Security Works. "This budget is one of many reasons why no one should believe him."

Defenders of Social Security and Medicare on Wednesday swiftly criticized the biggest caucus of Republicans in the U.S. House of Representatives for putting out a budget proposal for fiscal year 2025 that takes aim at the crucial programs.

The 180-page "Fiscal Sanity to Save America" plan from the Republican Study Committee (RSC) follows the release of proposals from Democratic President Joe Biden and U.S. House Budget Committee Chair Jodey Arrington (R-Texas)—who is leading the fight to create a fiscal commission for the programs that critics call a "death panel" designed to force through cuts.

The RSC document features full sections on "Saving Medicare" and "Preventing Biden's Cuts to Social Security," which both push back on the president's recent comments calling out Republican attacks on the programs that serve seniors.

The caucus plan promotes premium support for Medicare Advantage plans administered by private health insurance providers as well as changes to payments made to teaching hospitals. For Social Security, the proposal calls for tying retirement age to rising life expectancy and cutting benefits for younger workers over certain income levels, including phasing out auxiliary benefits.

The document also claims that the caucus budget "would promote trust fund solvency by increasing payroll tax revenues through pro-growth tax reform, pro-growth energy policy that lifts wages, work requirements that move Americans from welfare to work, and regulatory reforms that increase economic growth."

In a lengthy Wednesday statement blasting the RSC budget, Social Security Works president Nancy Altman pointed out that last week, former President Donald Trump, the presumptive Republican nominee to face Biden in the November election, "toldCNBC that 'there's a lot you can do' to cut Social Security."

"Everyone who cares about the future of these vital earned benefits should vote accordingly in November."

"Now, congressional Republicans are confirming the party's support for cuts—to the tune of $1.5 trillion. They are also laying out some of those cuts," Altman said. "This budget would raise the retirement age, in line with prominent Republican influencer Ben Shapiro's recent comments that 'retirement itself is a stupid idea.' It would make annual cost-of-living increases stingier, so that benefits erode over time. It would slash middle-class benefits."

"Perhaps most insultingly, given the Republicans' claim to be the party of 'family values,' this budget would eliminate Social Security spousal benefits, as well as children's benefits, for middle-class families. That would punish women who take time out of the workforce to care for children and other loved ones," she continued. "This coming from a party that wants to take away women's reproductive rights!"

The caucus, chaired by Rep. Kevin Hern (R-Okla.), included 285 bills and initiatives from 192 members in its budget plan—among them are various proposals threatening abortion care, birth control, and in vitro fertilization (IVF) nationwide.

"The RSC budget would also take away Medicare's new power to negotiate lower prices on prescription drugs, putting more money into the pockets of the GOP's Big Pharma donors," Altman warned. "And it accelerates the privatization of Medicare, handing it over to private insurance companies who have a long history of ripping off the government and delaying and denying care to those who need it."

"In recent days, Trump has tried to walk back his support for Social Security and Medicare cuts," she noted. "This budget is one of many reasons why no one should believe him. The Republican Party is the party of cutting Social Security and Medicare, while giving tax handouts to billionaires."

"The Democratic Party is the party of expanding Social Security and Medicare, paid for by requiring the ultrawealthy to contribute their fair share," Altman added. "Everyone who cares about the future of these vital earned benefits should vote accordingly in November."

Biden campaign communications director Michael Tyler also targeted the Republican presidential candidate while slamming the RSC plan, saying that "Donald Trump's MAGA allies in Congress made it clear today: A vote for Trump is a vote to make the MAGA 2025 agenda of cutting Social Security, ripping away access to IVF, and banning abortion nationwide a hellish reality."

"While Trump and his allies push forward their extreme agenda, the American people are watching," Tyler added, suggesting that the RSC proposal will help motivate voters to give Biden and Vice President Kamala Harris four more years in the White House.

#social security #medicare #fiscal year 2025 budget #republicans #2024 elections #donald trump

[didalexiabreakupwitholgayet]

Who pays for surgery on an injured athlete?

it really depends on a number of conditions. is the athlete a professional, semi-professional, amateur and what is the status of the club? also, was the athlete injured during national break or during club play?

for example, barça took care of alexia's and mapi's surgeries and medical costs. depending on the country, a lot of times they surgeries are usually handled via private health care system, as opposed to waiting for the national health care system.

there was a news story recently about an english footballer who plays for lower tier stoke city, who started a gofundme to pay for her acl surgery because the club wouldn't pay for it and the country's national health service would have to make her wait. well, the public backlash shamed the club into changing its mind and paying for her surgery via private healthcare.

also, remember when gavi was injured during international break for spain? well, fifa has a ‘club protection programme’, an insurance policy that covers the risk of injury to players during matches with national teams for an amount of €20,548/day for a max of 365 days if they miss more than 28 days. rfef had to pay €7.5m to barça when gavi ruptured his acl.

but generally, healthcare for female athletes is one of the areas where women's football falls short, especially in the lower tiers of football leagues and there needs to be improvement across the board!

#mapi leon #fcb femení #futfem #woso

[allprocarpetsteamers]

Breathe Easy: The Importance Of Air Duct Cleaning In Las Vegas

Are you breathing easy in Las Vegas? The air around us is crucial to our health and well-being, yet it's often overlooked. In this bustling city of lights, ensuring the quality of the air we breathe is essential. Join us as we delve into the world of air duct cleaning and discover why it's a game-changer for your indoor environment. Let's explore how clean Air Duct Cleaning Las Vegas home or business!

The Impact Of Poor Indoor Air Quality

Poor indoor air quality can significantly impact your health and well-being. When your air ducts are filled with dust, allergens, and pollutants, the air circulating in your home becomes contaminated. This can lead to respiratory issues, allergies, and other health problems for you and your family.

Breathing in polluted air consistently can aggravate existing conditions like asthma or allergies. It can also cause headaches, fatigue, and irritation of the eyes, nose, and throat. Additionally, poor indoor air quality may contribute to an overall decline in indoor comfort levels.

If addressed, indoor air quality can improve over time as contaminants continue to accumulate in the ductwork. This is why regular air duct cleaning is essential to maintain a healthy living environment for you and your loved ones.

Benefits Of Regular Air Duct Cleaning

When it comes to maintaining a healthy indoor environment, regular air duct cleaning is an essential component. Over time, dust, dirt, pet dander, and other contaminants can accumulate in your air ducts. These pollutants affect the quality of the air you breathe and the efficiency of your HVAC system.

Investing in regular air duct cleaning can improve the overall air quality in your home or office. Clean air ducts help reduce allergens and irritants that can exacerbate respiratory conditions like asthma or allergies. Additionally, they promote better airflow throughout your space, leading to improved energy efficiency and lower utility bills.

Moreover, regular air duct maintenance can extend your HVAC system's lifespan. When debris builds up in the ductwork, it forces the system to work harder to heat or cool your space, which can result in premature wear and tear on components. Ensuring that your air ducts are clean helps prevent unnecessary strain on your HVAC unit and reduces the risk of costly repairs.

Choosing A Reliable And Efficient Air Duct Cleaning Service In Las Vegas

Reliability and efficiency are key factors to consider when selecting an air duct cleaning service in Las Vegas. With the abundance of options available, it can be overwhelming to make the right choice.

Start by researching companies online and reading customer reviews to understand their reputation. Look for a company that is licensed and insured and has experienced technicians who use industry-standard equipment.

Ask about their process – a reputable service provider will conduct a thorough inspection before starting the cleaning process. Please inquire about additional services they offer, such as mold remediation or dryer vent cleaning.

Remember to request a detailed quote upfront with no hidden fees. A trustworthy company will provide transparency regarding its pricing structure.

Choosing a reliable and efficient air duct cleaning service in Las Vegas is essential for maintaining good indoor air quality and ensuring your HVAC system operates at its best.

Conclusion

In Las Vegas, where clean air is essential for comfort and health, air duct cleaning plays a vital role in maintaining good indoor air quality. Regular cleaning keeps your HVAC system clear of dust, debris, and contaminants so you can quickly know that the air circulating in your home is fresh and clean.

Choosing a reliable and efficient air duct cleaning service in Las Vegas ensures the job is done thoroughly and professionally. With the benefits of improved indoor air quality, energy efficiency, cost savings, and overall well-being at stake, investing in regular air duct cleaning pays off in more ways than one.

Don't wait until poor indoor air quality affects your health or increases energy bills. Take proactive steps to ensure your HVAC system runs efficiently by scheduling regular air duct cleaning with trusted professionals. Your lungs—and wallet—will thank you!

#Air Duct Cleaning Las Vegas

[chadfallout76podcast]

Major Update: Life...is a changing for me/us (and a sneak peek of Vault-Tec Rises!

Good afternoon!

I wanted to give you all an update on Vault-Tec Rises as well as an update on myself and some major life changes happening this year that may impact our season while the dust settles. Firstly, I'm more than halfway done with our next major feature length episode, "Vault-Tec Rises"...which is technically episode 16, set BEFORE Little Sanctuary of Horrors. It essentially is the story of how everyone came to be there in the first place, what Vault-Tec and the Enclave are really up to, and is the start of our last 4 episodes of the season as the Battle for Appalachia begins.

Secondly, I've shared quite a bit about the journey of these past 10 years with my husband Travis and his struggle with mental health. Many of you were kind of enough to support or share our GoFundMe to help take the pressure off the crushing debt we were under with mounting medical bills and his bills, none of which was covered by insurance fully. Trying to keep us afloat financially has been a long-term struggle of mine and here's in New Hampshire we just haven't been able to get ahead. After having to cancel some of his services last week as we couldn't afford them, we made some major decisions.

The next few months I'll be doing a lot of painting, landscaping, plastering and prepping to list our home on the market. Financially we can't afford to buy again for a while, so we're stuck renting. Based on what things are selling for in the area, I'm not too worried about getting out of it fairly quickly. We'll be moving to Texas, in between Dallas and Fort Worth in a really beautiful, new planned community where leasing and the overall lower cost of living will save us $20k a year which will allow us to not only fix our debt issue permanently, but also they have one of the leading centers in the country for C-PTSD. Once settled, I'd be able to get him more direct help he's needed that we just don't have access to out here.

Texas is going to be a big, big change for us...a huge move, but one I'm eager to make. Our backup editor is continuing to plug away at stories as well as I've had my hands full with work trying to keep the lights on (literally). I wanted to explain all of this with clear honesty so you know what I've been doing, what I'll be doing this year and why it often takes us so long to ship episodes to you. Your patient and support of me really, really means the world to me. The other benefit of this move is that once I'm not strangled hustling for work 7 days a week, I'll have more free time to actually create. Something I really want to do...as there are still two more seasons of Chad and some other projects I really want to share with you all.

I hope to have our 3-hour feature length Vault-Tec Rises completed in the next few weeks, so stay tuned. :) And if you can please excuse how hectic this year will be between selling and moving halfway across the country I'd appreciate it.

Much love to you all,

Ken

#chad: a fallout 76 story #chad: a fallout 76 podcast #fallout 76

[scramratz]

As a fellow trans man who struggles with needles, I've found better overall results switching to a gel. I was worried because they say it's lower absorption but my reluctance to deal with a needle and my ADHD caused me to start going longer between doses, and I've found switching to a daily gel sososo much better. Not just in the physical but also in the mental, it helped repair my relationship with hrt in a way I didn't know how badly I needed until I made the switch. I can't bind either (i didn't fuck up my ribs but for health reasons I just can't bind) so I also relate to the not always passing, but it gets better. Idk where exactly you are on your transition, or what your end goal is, but I wanted to reach out and share that you aren't alone. If facial hair runs in your family, try increasing your dose of T for a better facial hair. It also helps to shave it off entirely a few times as well but I don't think it's necessary. If facial hair doesn't run in your family you may just end up living your best caterpillar lip life and that's still great! As for acne, I have no advice. I can't be arsed to follow a skin care routine, but found that the acne really does just lessen over time. If you do feel up to skin care, whether a full routine or just a daily cleanser or smth, experiment with different products. I found these lemon scented wipes that actually perfectly managed to clean the oils off my face without overly drying out my skin (but then they stopped making the wipes rip) And if all this advice is totally unwelcome I really get that too, and feel free to just delete the ask if so. I just wanted to make sure you knew there was someone out there a lot like you who wants you to find peace, love, and comfort in your trans body

I've been considering gel! Does anyone know the average cost without insurance? Also I definitely don't have to worry about lack of facial hair! I had a mustache before T (pcos and part Puerto rican) and now I've got a goatee!!!! It seems like my facial hair to acne ratio is 1-1 so I think once the hairs done growing my acne will clear up idk

[theconstitutionisgayculture]

I’m neither republican or democrat but I hold views of both sides to some extent. That being said, I think democrats needs to stop being so eager to let any and everyone in this country. America first. I am pro choice and for higher wages and better parental leave. But as a republican, what do you think can be done to have more affordable housing and better healthcare such as more affordable insurance?

Get the government out of the economy.

Obviously these are complicated issues that need nuanced solutions, but to try and put it simply, most every economic problem we have right now is caused, at least in part, by overregulation, overtaxation, a worthless fiat currency, a fed that floods the market with money at the whim of politicians thereby devaluing the currency even more and other, similar, issues. One of the main reasons it costs so much to live in certain places is because of taxes. One of the main reasons healthcare costs are so high is because the government protects insurance companies from both failure and competition.

There's a scene in Independence Day where, I believe it was Jeff Goldblum's character, asks how the government funds Area 51. His father answers "What, you don't think they're spending $20,000 on a hammer, $30,000 on a toilet seat, do you?" but that's kind of exactly how health insurance works in this country. The prices for services and equipment are massively inflated, because insurance companies can afford to pay $30,000 for a toilet seat. And because a toilet seat now costs $30,000 dollars, the regular Joe working 9-5 needs insurance if he wants to use that bathroom. But in order to get that insurance, he needs to pay a certain amount every month until he needs to use it, with no guarantee that he'll ever have to use it. So over the course of his life, he ends up paying a lot more than $30,000 for a toilet seat he'll probably never use. And because 330 million people are all paying for insurance, those insurance companies can afford a lot of toilet seats that most people are never going to use. So where does the rest of that money go? Into the pockets of politicians who make sure that the scam the insurance companies and the hospitals have going on is all nice and legal. But it's unethical. And more than that, it's unsustainable. The whole thing will come crashing down at some point. To avoid that, we need to start dismantling it piece by piece. Get back to the way things were before insurance when people could pay out of pocket for almost all the medical care they'd need.

As for the economy as a whole, eliminate most taxes completely, lower the taxes that remain significantly, slash all regulations that hinder small businesses from competing in a market dominated by politically connected multinational corporations, kill the last vestiges of Obamacare, gut the welfare state, bring back the gold standard, stop all foreign aid that doesn't directly benefit this country and its citizens, and you'll start to see massive improvements in nearly all aspects of society.

None of this will be easy. Most likely, it will never get done until the whole system collapses under its own weight. But everything I mention is possible. It's not a pipedream, like perfect communism or anarchism magically springing into existence and solving all our problems.