Hello Hello! If Youre Usamerican With Federal College Debt Thats About To Start Needing To Be Repaid,

So, I have a big advice post to write, but until I have the spoons, I want to warn everyone now who has legally changed their first name:

Your credit score may be fucked up and you need to:

check *now* that all your financial institutions (credit cards, loans, etc) have your current legal name and update where necessary

check that all 3 credit bureaus, on their respective sites, not via a feed like Credit Karma (so, Trans Union, Equifax, Experian) are collecting that info correctly and generating the right score - you might need to monitor them for a few months if you made any changes in #1

I am about to apply for a mortgage and learned that as of 2 weeks ago:

Experian suddenly thinks I am 2 different people - Legal Name and Dead Name (none of whom have a score)

Equifax has reported my active 25 year old mortgage as closed and deleted one of my older credit cards, hurting my score by 30+ points

Credit scores influence everything from big home/car loans to insurance rates to job and housing applications.

And for whatever reason, the 3 bureaus that have the power to destroy your life are shockingly fragile when it comes to legally changing one's first name.

So, yeah. Once I get this mess cleaned up for myself, I have a big guide in the works if you find yourself in the same predicament. But with the mass trans migration out of oppressive states, odds are there are a lot of newly renamed people who are about to have a nasty shock when applying for new housing.

Take care, folks.

Pain News Network

A Weird Trick to Get Doctors to Listen to You — Pain News Network

By Crystal Lindell, PNN Columnist There’s a lot of advice out there on how to get a doctor to take you seriously. Most of it is wrong. Lu

This ABSOLUTELY works.

I have used this for many years. Definitely b do it.

The last version of my guide is 2 years old, and doesn't account for some new features, new competition, and some rebrands, so once again;

Here's a purchase guide for when RPG Maker is on sale, as well as the Visual Novel makers available.

Another point for why it’s important to own your own copies of music and media, and not use streaming services, is because the copy you own can’t be taken back.

(This is also a good time to remind people that yout*be to mp3 converters still exist).

Insurances that cover hormones/gender reassignment surgery

Just a quick guide for all you guys and girls having trouble finding the right insurance. It’s incredibly difficult to find insurance that covers sex reassignment surgery, and even when then do, there’s a chance you’ll be denied. 

Make sure you guys are informed so you can make the right healthcare decisions!

Aetna: [x] [x] Amerigroup: [x] AHCCCS: Covers T/Estrogen only Blue Cross Anthem: [x] Blue Cross of Massachusetts: [x] Blue Cross Michigan: [x] Blue Cross North Carolina: [x]  Blue Cross North Dakota: [x] Blue Cross Rhode Island: [x] Blue Cross Tennessee: [x] Blue Cross Vermont: [x] Blue Shield CA: [x] Care First: [x] Cigna: [x] Emblem Health: [x] Excellus Blue Cross (NY): [x] Group Health Cooperative: [x] Harvard Pilgrim Health Care: [x] Health Net:[x] Health Partners: [x] HighMark: [x] Independence Blue Cross: [x] Medicare: [x] Obamacare: [x] United Healthcare: [x] Wellmark BCBS: [x] Wellpoint/Unicare: [x]

If you have any more, please add them to the list!

this shit owns it's just a number go up idle game except the idle mechanic comes from you writing JavaScript to automate tasks it seems like the end goal of the game is to perfectly optimize against this little arbitrary system they've created. There's not any plot to speak of so far but even though nothing is happening people send you messages through the computer telling you to trust no one as they all have ulterior motives. Very relatable.

pcgamer

Bitburner is an idle game about hacking that teaches real JavaScript

You don't have to know JavaScript to get started.

I love RPG games. And some of the best ones were made by Squaresoft. And some of the best ones were made in the 90's

There's people out there who call it Square's golden era. Banger after banger of quality RPGs, with wonderful worlds, beautiful art and magical stories. They're still remembered to this day as some of the best in the genre

Today i bring you something that i've decided to call, The Squaresoft RPG Golden Era Legacy Collection™

25 of the best games ever made. Now ALL of them translated and available on PC

The collection contains SNES, PS1, and Gameboy games. Emulators for all 3 are included in the pack. DOWNLOAD HERE!! (3.5 GB)

literally most things that people write off as just ‘textures’ to use in graphics are stolen & unsourced material created by artists or photographers NOT meant to be used as elements in projects without royalty payments. you can say ‘it’s just random tumblr posts they don’t care’ but you wouldn’t want someone to take your work and edit into their work so they can be praised for their beautiful style and creativity even if they just post it on social media w/o profit, would you?? so maybe if you browse pinterest or google images for pictures without finding the original source, you’re using images that you’re not allowed to use without realizing it.

you see it on here a lot especially in (i won’t link anything but i’m sure you know what i mean) those album track ‘aesthetics’ posts, au ‘aesthetic’ posts (you see these less in kpop, but where people use non-royalty free images to kinda craft a visual au), and even just rather typical graphics that have a lot of ‘texture’ elements. and texture packs too!! that’s often where the problem starts; people just collect images (often literal art), compile them in a folder w/o sources, then insist no one can repost those images w/o crediting the person who compiled them. what???

SO may i suggest some of my fave places you can get FREE, ROYALTY-FREE elements that are totally legal to use

creativemarket has 6 free high-quality resources (textures, brushes, fonts, etc), different every week! wow awesome i check it every week

search ‘freebie’ on behance. awesome stuff!!! lots of v nice templates textures and fonts

mockup zone freebies

unsplash: tons of very nice free photographs, not shitty stock photos

pexels: same idea. + they have an adobe plugin so you can get photos without closing your editor damn nice

pixelsquid is a super cool free program (again w a ps plugin that i love) with lottts of super cool hq 3d elements!

as to not make this too long: spoongraphics, lostandtaken (textures galore), pixeden, freebiesbug.

where are those startups that are disrupting the glasses industry

Hey, so I’ve talked to you guys about navigating debt collection and I’ve talk to you guys about how to get hospitals to forgive 100% of your medical debt, now I want to talk to you about dental care.

Dental care is something sorely lacking in the US because of the disparity and access. So here’s a few things I think you should know :



Regular cleanings and exams are a lot cheaper than you think. They are one of the most significant things you can do for your oral health to prevent you from developing tens of thousands of dollars worth of work later on. I see a very expensive private dentist that I have seen since I was like 12. His cleanings and exams are $165 without insurance. That for me is doable twice a year. And again he’s expensive. There are many dentist offices, who specifically work with low income patients who will do it for less than 100. 

This is the most significant thing you can do for your teeth twice a year. You have to find the money. Doing this will save you tens of thousands of dollars and potentially heartbreak and heartache regarding your teeth. 

2. Dental schools, dental schools dental schools. If you are in a situation where you do not have insurance and you need thousands of dollars of work done. I want you to find your nearest, and most reputable, school and go get the work you need done.

Dental schools can do pretty much all of the services that regular dentist do and are done under the supervision of dental professionals or done by those professionals themselves to teach their students.

The major con of dental tools is that they take a long time to get back to you. I personally would never have any sort of dental surgery personally unless I absolutely needed it. But they’re great places to get cavities and even root canals if you need them. Especially if you need dental implants. 

Sliding scales. Many dentist offices around the country specifically work with uninsured patients and will offer sliding scales based on your income. Particularly dentist offices that are attached to federal health centers. So look for those. 

The average filling is $150-$250. Not cheap but I promise you you’re gonna want to dig deep and find the money because a $250 filling can save you $2000 of dental work. And, if you go to a dental school, you can probably get them done for $95-$100.