namemelife

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so im gathering that all this time toothpaste was not supposed to be burning my tongue??? perhaps???

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now that i have these allergy reactions to unspecified food and have looked up low histamine diets with my dietitian, i'm becoming aware of the fact that when my OCD telling me that days old food in the fridge was bad is actually not that far off from reality.... the horrors of my OCD maybe coming from some truth, is in retrospect, frightening.

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The odds are that she'll find it. But there are even better odds that she'll find something else...

SEVERANCE | Season 2, Episode 9, “The After Hours” THE TWILIGHT ZONE | Season 1, Episode 34, “The After Hours”

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Named for the 2014 law that created them, the Achieving a Better Life Experience Act, ABLE accounts have been available since 2016 to individuals identified by a doctor as having a disability before the age of 26. Next year, they’ll become available to those identified before the age of 46, which will increase access to an additional 6 million people, including 1 million veterans, according to Indiana State Treasurer Daniel Elliott, who administers the accounts in his state. An estimated 8 million people nationwide already qualify.

“The fact that it used to be that individuals could only save up to $2,000 or they could lose benefits — that was really restricting a lot of families,” Elliot said. “People were forced into a position where they couldn’t save for their futures. Now we’re seeing average account balances of (ABLE accounts) between $11,000 and $12,000.”

Generally, ABLE accounts may reach totals of $100,000 without affecting Supplemental Security Income. Lifetime balance limits for the various state ABLE accounts can range from around $300,000 to over $500,000. They’re administered by state treasurers, and the vast majority can be set up online via their websites. Some ABLE plans accept paper applications as well.

Anyone can contribute to an ABLE account — including the account owner, friends, family, organizations, nonprofits, and employers — up to $19,000 per year in 2025. If the account owner is able to work and not already contributing to a workplace retirement plan, they can contribute an additional amount equal to their yearly gross income. For 2025, that amount is up to an additional $15,560 to $18,810, depending on the state administering the account.

There are also tax advantages. Investment earnings from ABLE accounts remain untaxed as long as money taken from the account is used for “qualified disability expenses,” such as medical treatment, education, tutoring and job training. Account holders may choose from a number of investment options for the funds in their accounts or hold and save the money without investing it further.

Elliot said raising awareness of the accounts is the biggest challenge for the National Association of State Treasurers (NAST), for which he’s also the secretary treasurer.

“Many people are used to the idea that, ‘If I have a disability or my child has one, it could endanger their benefits to save money,’” he said. “We as a state and as a country need to start reaching out to people and saying, ‘Look, you actually can save money now. You could save towards the purchase of a home.’ The hardest thing right now is getting that message out. We need more people to be aware things have changed.”

According to NAST’s data, just 186,641 ABLE accounts existed at the end of 2024, despite an estimated 8 million people qualifying. When the age limit is raised, the accounts will also become available to people whose disabilities may have been the result of an accident in adulthood or developed later in life, such as after a COVID infection.

Andrew Warren, senior associate for policy and research at the Financial Health Network, who studies the financial circumstances of Americans with disabilities, said that the vast majority of people surveyed for a 2023 report by the organization did not know these accounts existed.

“Less than 1% of eligible individuals have these accounts,” Warren said. “Our research show that one of the major barriers to becoming financially healthy for this vulnerable group is asset limits. But there’s an information disconnect between caseworkers and direct services providers on the ground and (administrators of ABLE accounts).”

Two online resources — ABLE Today and the ABLE National Resource Center — can guide you through questions to determine if you or a friend or family member qualifies.

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like most of ozu’s films, an autumn afternoon (1962) is both dreamy and almost neorealist in feel, this time using that unmistakeable tone to discuss the loneliness of a nation aging out of a golden age. it is a film self-consciously about women, and just as self-consciously centered around men—aging, alcoholic salarymen cared for by their 23-year-old second wives and adult daughters as they indulge in nostalgia for a war and a youth long gone by. they concern themselves with the fates of these daughters, who must be married off lest they face a life of spinsterhood caring for their widowed fathers. these fathers, bastions of traditionalism, bemoan that the only fates their daughters can have are as unhappy wives or unhappy spinster caretakers—unaware that they, as bastions of traditionalism, are preventing them from taking any third path. the narrative, organized in a series of loose vignettes, highlights the mundanity of the dilemma; the cinematography, often capturing conversations in boxy lineal one shots, both mimics the form of traditional etiquette and illustrates the loneliness and isolation that this etiquette breeds. among the avalanche of late 20th century east asian film about the tension between traditionalism and modernity, this one stands out for its elegant, non-judgmental, matter-of-fact positioning of the camera with the very bastions of traditionalism who typically form the enemy in films like these. unlike the father protagonists of, say, fiddler on the roof or eat drink man woman (1994), these fathers never come around to the modern style of female independence or even seem particularly aware of its existence; unlike the father protagonists of those stories, these end up lonely, discontent, and unable to take a second path for themselves. an autumn afternoon (1962) is undoubtedly a standout film and triumph of midcentury japanese cinema, and i highly recommend it

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The full set of my small Litwick Adventures zine. Visiting some ghost friends.

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An old friend from 2013 back for more candies 🍬

Happy Halloween everybody 🧡

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tits off tuesday was yeaterday. there she go. O7

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yknow, for an egg over easy, that thing does not go over easy

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me: *turns on the shower*

my bowels: wow, i suddenly have to take the longest hardest shit ive ever taken in my life

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im so fearful for the day they take the "snooze tumblr live button" away...

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A peek into how things coulda been…

Fitz is like: tfw your boyfriend walks in on your family and starts making “outrageous” claims

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Ah yes, you are the two legged giant who brings goods, bads, and radiates faint music and voices.

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some window installer was like, "double pane windows? you mean like install two sets of windows?"

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"im becoming unhinged." says the person who never fully recovered from being turned into a broken door on a wobbly hinge.

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Drama going down in the tik tok orthodox jewish swiftie community

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old bunny dreams