#And then like but what if I'm wasting money

[ms-demeanor]

I've been following what's been going on with Belphie the kitten and his person, Greer Stothers, has just mentioned pet insurance in a tag on a post and I wanted to give an example from my life backing up why pet insurance can be a good idea and why I think it is worthwhile.

Two years ago my sister's dog had bloat while she was on vacation. The kennel he was staying at recognized symptoms and called my sister to clear them to take him to the emergency vet. My sister is very financially secure and this dog is an enormous part of her life, so she said yes with barely a moment of hesitation. That ended up being about twelve thousand dollars of emergency surgery.

Large Bastard and I got pet insurance for Tiny Bastard the same week because we realized that if someone had presented that option to us, we would have had no choice but to have Tiny Bastard put down, and we didn't want to be put in that position.

I did a lot of research about different kinds of pet insurance and different levels of coverage and annual maximums and deductibles and so on and so forth. Tiny Bastard is a senior dog, so this was going to be expensive no matter what options we went with, so I chose a moderately priced plan with a $500 annual deductible, unlimited annual coverage, that pays 80% of the bills incurred annually below the maximum. What that means is that we pay the first $500 of care totally out of pocket, after which point we are reimbursed 80% of any vet bills for care covered by the plan.

The first year we had this plan I was kind of iffy about it. It's a noticeable monthly expense and we didn't even spend the deductible in vet bills the first year. Except that a month before the policy was set to renew, Tiny Bastard got diagnosed with diabetes. We now have monthly insulin costs and syringe costs; there are tests she has to have regularly to monitor her overall condition and we need to do more frequent vet visits to track symptoms.

Suddenly the insulin alone means that the insurance is break-even within six months and the additional visits and tests are something we can afford instead of something we'd have to put on credit.

Our plan (through ManyPets) covers medication, surgery, diagnostics, medical equipment, and euthanasia and cremation. It doesn't cover pre-existing conditions, joint conditions for dogs who were signed up over a certain age, dental care, spay/neuter, vaccinations, or prescription food but honestly all of that makes me just kind of wish we'd signed her up earlier - her knee problems *would* be covered if we'd had her signed up as a puppy, and the monthly cost would have been lower if we'd signed her up then. And there are at least a few emergency vet bills that I wouldn't still be paying off on my credit card. Hell, I've probably paid more in interest on some bruising she got in a fight three years ago than I have for this policy as a whole.

I am glad that Greer is able to take care of Belphie. I am glad that my sister was able to take care of her dog. But I'm also really, really glad that for a relatively low cost, I would be able to take care of Tiny Bastard if she were catastrophically injured, or if she needed emergency surgery. I'm glad that I'm able to take care of her now with her medications and her additional vet visits.

There are a lot of people who say that pet insurance isn't worth it, especially not for young animals. But if your young animal gets very sick, or gets badly injured, or eats a hairband and needs an emergency endoscopy, then it will probably be VERY worth it. It's a risk/reward question. You feel like you're wasting money if you're paying for a policy that you never use, but honestly that just means you're lucky to have a healthy pet.

I'm lucky that Tiny Bastard was relatively healthy before I got the insurance; I'm also lucky that she was insured when she was diagnosed with a chronic illness that will need lifelong care. This enables me to provide care for her that would otherwise be financially unmanageable, and that makes the insurance *extremely worth it* from my perspective.

And Belphie is a good example of why it's a good idea to get coverage even for very young pets. Greer is recommending it because this kitten has required a tremendous amount of care during a period in his life when it's generally taken for granted that a cat will be healthy. (And Greer is not stupid for forgoing pet insurance - pet insurance is still a relatively new concept and there are lots of people who are leery of it for a number of good reasons)

So I'd say that if you've got a pet or are getting a pet it is very worthwhile to find a pet insurance plan that fits in your budget. There are a variety of plans out there and some are very inexpensive. Check coverage levels (you can even get some with wellness plans that include dental care and vaccinations) and see if there's something that works for you.

I personally don't think I'm ever going to own another pet without having pet insurance. It's ridiculous how much easier it is for me to say yes to diagnostic tests or different treatments than it was before because I know I'm going to be able to fit Tiny Bastard's care into our budget.

[gguk-n]

Hello!! I love your writing style!!

Can you pls do a max verstappen x reader but he’s still into Kelly max is sorry, reader disappeared goes to Korea gets together with jungkook plus now she’s a successful CEO n 2 yrs later she comes back as a baddie fans love her n max regrets

It’s set in 2021 comes back in 2024

P.s make her friends with Charles n Lewis

Thank you hope u take this in consideration

This ask was made in my dreams🥹🥹 thank you to the beautiful nonnie for sending this. I made this as an smau and some writing. I had so much fun making this!!!🫣🫣 hope you enjoy reading this too🥹🥹 changed the timeline a little bit for the story. Max is an ass, sorry. I love Max really but the story needed it

Drifting Into Love

Face Claim- Kim Hye yoon. (Every thing is fiction)

Max was back the next day. Y/N returned from Belgium and was waiting for Max in her apartment in Monaco. Max was one of the very few people who knew that Y/N came from wealth. Her parents had raised her humbly in hopes that the money won't get to her head and she would be a kind and compassionate human. Right now, she felt anything but kind. She felt like smashing Max to a pulp. How dare he lie to her and who does he think he is to humiliate her like this. If he loved her, he should've stayed with her, she thought.

Max stumbled into her house in a panic. "Schat, why are you here?" Max asked trying to hug her. "What do you mean?" she asked. "I mean't why aren't you home?" he asked. She chuckled. "Max, I will not be in a cheater's house, god knows who all you've brought over." she said shaking her head. "I never brought anyone home. And as for Kelly this was a prior arrangement and I couldn't get out of it" he reasoned. "Then you should've told me. I would've come along. But you lied, you knew what you were doing is wrong, that's why you lied to me." she retaliated. "I, Y/N, schat....please" he stuttered. "You have nothing to say Max, also don't call me that. I'm not your girlfriend." she said. "Don't say that" Max said. "I don't care if you love Kelly, I just wish you hadn't lied to me." she lamented. "I'm sorry, I'll do better. I promise" he tried reasoning. "Max, you don't need to. You clearly still love her. I do not plan on being a home wrecker. I hope you both are happy" Y/N said. "Won't you fight for this? our relationship" he asked now in tears. "No, we stopped being a couple the moment you went back to her" she said with a stoic expression. "I'm sorry. You deserve better" Max said hoping she would stay. "I agree. Now can you leave, I have some work to do" she said ushering Max out.

Unbeknownst to Max, she had cried. The all of yesterday, really and Charles and Lewis were ready to kill Max. She some how convinced them not to. They had spent the whole night consoling her and taking care as she tried to mend her broken heart.

y/n.y/l/n

Liked by charles_leclerc, lewishamilton and 23,976 others

y/n.y/l/n Don't forget to take out the trash🙏🙏

user17 What is going on?? Is this related to Max??😭😭 user18 She said, I ain't no one's second choice🫣🫣 user19 She's so pretty!! I wish I was her❤️❤️ charles_leclerc We can take it out for you👀 lewishamilton me and Charles are great at waste disposal. I can compost too🙂 user20 What does Lewis mean by that??They are scaring me🙃🙃 user21 I think she broke up with Max and obviously her best friends hate him, he cheated on their angel.😳😳 user22 I would also compost a man if he cheated on my bestie, I get it lewishamilton 😤😤

y/n.y/l/n

Liked by charles_leclerc, lewishamilton and 289,297 others

y/n.y/l/n Gonna miss my fav photographer🫣😘😍

user23 That photographer is doing us all a service😍😍 user24 I didn't know she could look prettier🥹❤️❤️ user25 The first photo will no one talk about it🤨😳😳 arthur_leclerc Are those hands that photographers?🤔🤔 charles_leclerc arthur_leclerc what do you know?😩😩 lewishamilton we have the cutest bestie, the photographer better not be a man😒 user26 I'm scared of having both Lewis and Charles as best friends, they are too over protective🤣🤣

y/n.y/l/n

Liked by charles_leclerc, lewishamilton and 1,297,229 others

y/n.y/l/n 보고 싶, 돌아와요오빠😭😭💜💜 miss you!! come back oppa

user27 eww!! Oppa you can't date her, you are supposed to end up with me🤮🤮 user28 I don't get what he saw in her??😒😒 user29 Fandom cleanse here I come🤣🤣 user30 She's so pretty. To bag Jungkook, I mean he has taste❤️❤️ charles_leclerc he's the mystery photographer?🤔 lewishamilton can't believe you didn't tell me😤😤 y/n.y/l/n lewishamilton in my defence, you are scary but my boyfriend could take you out ☺️😉 user31 I love the brother sister dynamic Lewis and Y/N have😂😂 user32 she hard launched the fuck out of her relationship❤️❤️🙏 user33 user32 she's staking her claim. I would too, if I was dating Jungkook💜💜😍

Y/N was walking towards the Ferrari when she bumped into Max. "Hello Max" she smiled. "Hi" he replied. "How have you been?" he asked. "Good. You?" she asked. "Good. Surprise to see you here" he said. "Yeah, my best friends said they missed me so.." she said. "Ah yes, Lewis and Charles" Max mulled. "I'll get going then" she announced. "No, wait" Max stopped her. "I'm sorry" he apologised. "For what?" she asked. "For hurting you. I really did like you." he explained. "me too." she lamented. "Can't we try again" he proposed. She let out a big and loud laugh, making Max embarrassed and heads turn. "Sorry Max, but that ship sailed long ago. Aren't you still with Kelly, though?" she asked. Max didn't say anything. "Don't flip flop, love a woman correctly and truly. Also, I'm engaged." she said pointed at her left hand which had a beautiful large diamond on the ring finger which looked like it had found it's rightful owner. "Wish you good luck and Congratulations on the championship last year" she called out while she walked away. Max could only stare at her as she disappeared from his sight.

[a-d-nox]

nox tests hypotheses: "saturn tells you what annoys you"

this is one of shawtyherbs hypotheses. this is how i feel this manifests for me in my chart and why i believe this hypothesis works. my saturn is located in my 3h, in taurus at 29°... let's take deep dive!

taurus saturn

a lack of discipline: i feel like i have a strong work ethic - i value hard work. i despised when i did group work in school and i was paired up with procrastinators or people who were unwilling to put in the necessary effort to achieve a good grade. it felt like every time i had my part done i would start getting anxious that the other person/people didn't. it felt like a manipulation - like we were playing chicken. if they didn't do it, would i do it for them? how long did they have to wait until i stepped in?

instability and unpredictability: sudden changes, chaotic environments, and erratic behavior can make me uncomfortable, anxious, and annoyed. i guess it's sort of like a trauma response from childhood except now i get irritable... everyone know my dislike for surprises.

wastefulness: i get easily irritated by wastefulness, whether it's wasting time, money, or resources. again maybe its from my childhood and having those experiences. but i am the type of person who arrives on time. if i buy something and don't like it i use it until it's gone, i eat it til its gone (even if its stale), or i use it til its paid itself off (if i buy a shirt and can't return it and it was $30, i am wearing it 30 times). it sounds strange - i know - but it is how i am...

superficiality: i really value authenticity. i feel like i am easily annoyed by superficial behavior, materialism without substance, and people who put on mask to fit in... like so what if you don't laugh at someone's shit joke, so what if i am happy with my hydroflask and want nothing to do with a stanley (it's all the same to me), and who cares if your true self is not everyone's favorite (you'll find your people a whole lot faster if you're your self).

resisting practicality: you know how much advice i have given throughout the years THAT WAS ASKED FOR and people did what they wanted anyway??? why even waste my time if you don't want outside perspective. or something its just kind advice to help with ease like hi you are using a stain on the deck, i recommend you wipe as you go so it dries quicker and you don't accidentally smear/smudge later. but nooooo.....

saturn at 29°

arrogance: you know it's okay to be wrong... it's not okay to pontificate about how you were right in some alternate scenario. just admit you were wrong in this situation and move on or better yet say nothing...

irresponsibility: when you say you are going to do something do it. if you are a leader then lead and know that you are responsible for anything you designate to someone you view as your subordinate (especially when you don't train them on what you want them to do for you). if you can't commit to having a task or being in charge than don't do it. someone is relying on you - it's 10 times worse when its yourself and you push goals to the side.

unfounded claims/criticisms: perhaps i am overly sensitive to criticism because i tend to take my work and my self a bit too seriously. but if you can't take yourself and what you do seriously, then who will? i take everything personally too. so when i get criticism and its said in a nasty way (at least how i interpret it) or there is a lack of explanation or no backing i will get annoyed. you bet my humor will be ill-tempered... you can't expect me to react well to a comment like "you're wrong". like wow okay so detailed, i'm glad you decided to write one word and a contraction to dismiss my 2k essay. like if you are going to criticize me or disprove me make it detailed and make it sound. and if i do something wrong its probably because no one told me how to do it in the first place (cough cough work) so don't snap at me, walk me through it.

lack of respect: now listen - i'm no angel, i was a teenager once - eyerolls and all. but now that i am a bit older (she said at 23) i am getting to the point where respect isn't freely given (unless its to build a good first impression) but instead its earned in a pre-existing relationship. i don't tolerate disrespect, no one is going to snap at me and tell me what to do. you do that and you will get the opposite reaction that you expect from me (speaking from real life situations). asserting dominance doesn't make you worthy of respect, it makes you a bully.

3h

superficial conversations: i said it why back when in one of my get to know me posts. i prefer deep, meaningful conversations and i find small talk / superficial chatter frustrating or pointless. like skip to the meat bruv - we don't have all this time for "hi how are you?" "good how are you?"

disorganization: a lack of structure, whether in communication, in a learning environments, or my daily routines, irritates me. i feel like it effects me most in the routine bit. weekends are my prime culprit because my schedule falls apart. during the week my meals and tasks are standardized, but on the weekend, i somehow manage to always get annoyed because i eat lunch late or what i had in my mind to do gets tossed aside...

gossip/rumors: i feel uncomfortable with gossip, i prefer facts and reliable knowledge. which i know facts seems shaky when i am posting the content i do... but generally facts over fiction in conversations. gossip and the like almost always gets me in trouble - i struggle with holding my tongue especially when i see someone regularly who has been gossiped about frequently. withholding information is a form of lying in my opinion - and lying makes me extremely uncomfortable.

impulsive decisions: i am trying to get better about this because i tend to carefully deliberate everything. but i don't like when others around me make impulsive decisions that effect me because it ruins the plan i already had in my mind. for example, last weekend i wanted to go to an all day fall festival with my mother (and yes i told her tuesday my plan) but last minute my mother's boyfriend-not-boyfriend said he needed her help with a project and it was going to be an all weekend thing. so friday night my plan went out the window. so quickly had to make a new plan consisting of paid readings, trader joe's, and shampooing my couch (fun stuff i know...).

a lack of respect for rules/boundaries: a disregard for social norms, etiquette, and established rules of communication annoys me so badly. like it is common courtesy (at least for how i was raised) to call or write in advance of stopping over at someone's house. my mother's boyfriend-not-boyfriend is the biggest perpetrator of this behavior. they aren't technically dating anymore so hello hi in my opinion he should be giving us a heads up if he will be stopping over. also switching gears when i say "no" or "i don't want to" i feel like a lot of people around me push me and test me to see if i will change my tune. i don't appreciate that in the slightest. i make clear boundaries in all the relationships i have (even here i have guidelines) - so yes, you bet i get frustrated when i vocalized or wrote my boundaries and yet they get ignored.

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© a-d-nox 2024 all rights reserved

[i-will-physically-fight-you]

I think something that's fascinating in the AI discussion is how non-creatives perceive AI versus how many creatives perceive AI.

For example, years before AI was a thing--I spoke with someone about my creative writing projects and they expressed to me how they found it unfathomable that I could just make up entire worlds far removed from our reality of existence. To them, it was like magic.

To me, it was the culmination of countless hours spent playing with words until they flowed into semi-coherent lines of thought and emotion. I remember being ten years old and laboring away on my "biggest" novel project ever--it was 5k words full of singular sentence-long paragraphs and garbled heaps of grammar atrocities to the English language.

If I hadn't written it, I wouldn't have come to learn how to create the basic foundations of a story.

But I do get the "it's magic" sentiment a bit--I'm that way with music. Theoretically, I understand the components of a music composition but it feels like magic to see a musician that can listen to a tune for the first time and play it perfectly due to years of honing in their craft.

That's the premise of that quote from Arthur C. Clarke: "Magic's just science we don't understand yet."

When it comes to anything we don't have countless hours of experience with, it feels like magic. It feels like something that's outside of our feeble human capabilities. It's not until we start to put in the time to learn a skill that it becomes more attainable inside our heads.

Generative AI presents a proposition to the non-creative: "What if you could skip past the 'learning process' and immediately create whatever art of your choosing?"

It's instant dopamine. In a world that preys upon our ever-decreasing attention spans and ways of farming short spikes of dopamine, was it ever a surprise that generative ai would be capitalized in this fashion?

So for the non-creative, when they use generative AI and see something resembling their prompt, it feels good. They are "writing" stories, they are "making" art in ways they could never do with their lack of skills.

(It is, in fact, really cool that we have technology that can do this. It's just incredibly shitty that it's exploitative of the human artists whose works were taken without permission as well as its existence threatening their livelihoods.)

What I think is equally concerning as the data scraping of generative ai is the threat that AI imposes on the education of the arts. More and more, you see an idea being pushed that you don't need knowledge/experience in how to create art, all you need to do is feed prompts into generative ai and let it do the "work" for you.

Generative AI pushes the idea that all art should be pristine, sleek and ready for capitalism consumption. There is no room for amateur artists struggling like foals to take their first steps in their creative journeys. We live in a world where time is money and why "waste" time learning when you can have instant success?

It's a dangerous concept because presents a potential loss in true understanding of how art works. It obscures it and makes it seem "impossible" to the average person, when art is one of the freest forms of expressions out there.

It's already happening--Nanowrimo, the writing challenge where the entire point was writing 50k original words in a single month regardless of how pretty it looked--coming out and saying that it is ableist and classist to be opposed to AI is the canary in the coalmine of what's to come.

For the non-creatives who enjoy the generative ai, it feels like a power fantasy come to life. But for creatives concerned about generative ai?

We're living in a horror movie.

[alexanderwales]

I'm going through a profound period of writer's block, except I've always maintained that writer's block is really like seven different things.

Right now it's just ... aversion. I sit down to write and immediately want to be doing something else. I write a hundred words and it's fine, I'm having ideas and things, I know what comes next, but I finish those hundred words and it's like my brain is so ready to be doing something else. The writing is, in my opinion, not suffering from this, except that the output has been pitiful. The flow state is particularly elusive.

My all-time best day for writing was 16K words. That's like ... three chapters in a single day, maybe four if they're on the shorter side for my chapters. I was going unsustainably fast, fingers flying, neglecting my family, neglecting my body, really in the zone. That's not something I can replicate, but I remember the feeling, and it's so close. It doesn't feel like that me was a world away.

I think I would like to figure out the cause of the aversion. It's coming after a period of deep depression, maybe the worst I've had in twenty years, and maybe that came from anxiety of some kind, but not being able to write at the level of output I want is definitely not helping with the anxiety I've been feeling, so I don't know.

My plans for my next web serial, the one after Thresholder, are premised on being able to reliably write and edit 10K words a week, all killer no filler, as little wasted words as possible, new and interesting things around every corner, stellar fight scenes, meaty character interactions, but I'm feeling like a floppy baby, unable to hold up my own head, and if I can't maintain that pace ... I don't know. I can only scale back, and obviously if you want to make money writing for people on the internet, scaling back runs contrary to that goal.

I would feel better if I had what felt like a good path forward in terms of the writing muscle, if there were some life hack that would work for me. I think I'm at the point of wanting to try sprints again, which have historically been good for me but also a great way to burn out. I don't know how you get over an aversion to something you actually enjoy doing, but I'm not really a stranger to aversions. Usually I just buckle down and get it done, which I don't think is going to work if that feeling of aversion is with me for one of the primary things that I do.

This is mostly a gripe rather than me seeking solutions. I think this is probably a personal thing for which the solutions you might want to offer in the spirit of helpfulness would not actually work. Mostly, if you read my stuff, I want you to know where I'm at right now.

[privateerstudies]

.

[lonelysocksclub]

Oh boy I need patience this weekend. My cousin is visiting and he just explained to me, a biologist who has worked with maize genetics, how to make a kind of supermaize by using electromagnetic fields to manipulate DNA expression. The goal is to trick the maize to express the genes it had millions of years ago, a time when maize as we know it definitely existed and agricultural yield was famously high. And it's only Friday.

[baejax-the-great]

Advice needed:

I need to rent a car in a country where I've never driven before. I will spend ~16 hours to travel to that country.

[mokeonn]

I think something that is REALLY fun about having a small animal that needs to live in a habitat is making it a hobby to try to make the best possible habitat for them. Like there's nothing more fun than planning and executing different ways create paradise for an animal with a brain no larger than a peanut.

[gideonisms]

I want to write I want to make girls be weird about each other in MY word docs I want to have creative projects and goals againn :/

[ikishima]

My #1 advice for people moving out is to NOT buy nonstick cookware... not only is the lifespan of nonstick a MAXIMUM of 7 years (usually more like 2-5 years) but teflon, aka Polytetrafluoroethylene-- the plastic coating that makes the cookware nonstick, infuses microplastics into your food.

New cookware sets can cost hundreds of dollars so my advice is to look for 100% stainless steel cookware in thrift stores. Safer, cheaper, & instead of needing to replace every 2-7 years they can potentially last you the entire rest of your life AND they won't start shedding plastic into your food

[deoidesign]

just wanted to say that I absolutely LOVE your comic I am so inspired by it and it’s so lovely and I wanna buy the physical books (I’ve never done that before) I just AUGGHHH EVERYTHING ABOUT IT IS SO 💙💙💙

do you allow fanart? And is there anything not allowed? I wanna draw adam and steve so bad 😭

Of course it's allowed! Fanart fanfic fan music fan dubs whatever!

I like to think I'm sort of "building a playground" when I make a story, have fun on it! I made it for you!

In my general opinion, it's not my business what my "fandom" does... It's on you and also me to curate our own spaces! If you're inspired by my work in any way, that's the greatest honor I could imagine and I want you to feel fully free to explore that. If someone is being weird, I know where the block button is and they can keep being weird where I don't have to see it haha

Just don't like... sell it... it's messy legally with webtoon and I'm one person making the story and it's my whole income so the few sales I get are kind of huge for me ;_;

[tchotchkez]

also I fuckin give up on bomb rush cyberfunk rush for now bc I've tried to beat the second crew battle like 10 times already and just CANNOT get a high enough score

dunno wtf I'm not doing right but honestly the difficulty level of the score challenges was not meant for casual players like me and that makes me Sad

jsr and jsrf were NEVER this hard and I am simply just not having fun playing now and that's very disappointing

[nattousan]

[2pen2wildfire]

My mom got a shitty tattoo of a dragonfly on her hip when she was my age and she always regretted it and got it removed like a couple years ago anyway should I get a better one in the same place just to fuck with her.

[eats-the-stars]

hate my sister's shitty good for nothing boyfriend. can you imagine being a 30yo man with two kids who won't even scramble an egg. Not for his kids, not for his girlfriend, not for himself. literally if my sister doesn't leave out pre-made meals when he's watching the kids he will rip up bread or pour them dry cereal or open a granola bar and make himself microwave dinners. like, lowest effort possible. but if i mention this to my sis, she'll be like "no he's definitely cooked for the kids! he scrambled an egg for them once! i watched him do it!" but it's like...so he scrambled one egg in the last five years. just to like, prove he can? at your direct insistence? should we all clap? like seriously. hate this guy. had to really hold back recently because he had someone over and he was interacting with the kids more than usual for appearances, and he had to keep asking me and my sis what the 5yo was signing because he barely bothered to learn his own son's primary form of communication. i was so tempted to say "that one means 'go home' but you wouldn't know that because you don't take them anywhere." so hard to hold that in. If I had to describe this man in two words they would be these: Low Effort. Not quite bare minimum, but JUST enough to convince my sister that it would be too much hassle to get rid of him. he's stupid as fuck, but just smart enough to quickly stop shit like screaming obscenities at the kids for doing normal kid things. and he once stomped on my headphones and broke them in a fit of rage, but gave my sister money to replace them so it was "fine." Like, my sister thinks that he's just struggling with his anger issues, because he had a bad childhood, blah, blah, and oh he would never actually hurt her or the kids. and like, good for you, but i don't trust like that. genuinely hoping he gets struck by lightning and dies instantly.