dia-gon-als-blog

[library-fae]

being disabled is expensive

i hardly ever have the energy to cook

and sometimes physically can't stand long enough to do so

so i have to get quick premade, precut or precooked food

im also autistic and there are certain foods i can't eat

and safe foods i need for days im struggling from a sensory standpoint

its tiring to have to equate for these extra costs

and disability insurance doesn't cover them

food has become a luxury item in this economy

and the first affected are going to be the poor and disabled

[notjanine]

me a week ago: i love my job!!

me now, after having a mid-year review that amounted to you’re doing an excellent job and you bring such a valuable perspective to our practice but i don’t have the ability to give you a raise right now but don’t worry bc i just hired a new CFO to try to figure out money so we can maybe give you a raise later this year: *breaks into a cold sweat as i crack open indeed dot com*

[blue-banditt]

I want bottom surgery so fucking bad and it sucks sm that I have to sit here and grieve the fact that I will probably have to live 2/3 of my life without a dick bc of how shitty the healthcare system is here

[bsdyaoi]

My mom's way of trying to convince me to not transition is to tell me how ugly I'm going to look so I just Know when I end up getting top surgery she's gonna tell me how ugly my chest is going to look. Idk not gonna stop me.

[lesdemonium]

the most frustrating thing about neurodivergence is that i work really hard to combat it, right? i set up systems and i set myself up for success by being proactive and taking the human element (me) out of it as much as possible. i do meal planning for the month and grocery pickups and scheduled laundry days and autopay to make my life function. not even easier, just functioning! but it's other systems that fuck me up.

my health insurance updated their autopay website to be "better" (it does the same damn things) and now my payment is late because they messed up moving accounts over so now i have to drop what i'm doing to sign up for my third account with them and set up my autopay again and i just. i don't have the energy for this. it's such a small thing but it's always the small things that tip me over. and this not getting done has real consequences for me but them messing with my systems over and over and making me jump through hoops has no consequences for them.

[jackalhadrurusluvr]

another day another why must my mom make everything as difficult as possible

[thecryoftheseagulls]

heard back from the surgeon's office and I officially have a date for July 2024 for top surgery!!

[altruistic-meme]

yay we love adding an additional 15 stressors to an already stressed tf out person like yayyy whoopee that sure is fun :)

[cicidraws]

applied a third time to point of pride

i hope i get Something yknow, theyve denied me the past couple times already.

[whilomm]

i keep looking at my calendar and seeing top surgery like a week away and theres Excitement and Anxiety and Fear that something will fuck it up and also oh yeah fck i havent even started my fundraiser thing i was hoping to do shit i should get that set up and OH FUCK ITS ONLY 8 DAYS AWAY JESUS CHRIST AAAAA

[enochianribs]

i have to renew my insurance and i think im gonna change my plan to kaiser but when i tell you. i have literally no idea what ANY of this means. ... you could tell me literally anything about insurance and how it works in america and i would believe you.

[opens-up-4-nobody]

...

[orcelito]

hm. health insurance applications make me actively want to hurt something.

[champstorymedia]

Demystifying Life Insurance: Everything You Need to Know

In today’s unpredictable world, life insurance has become a crucial aspect of financial planning. However, the concept of life insurance can often seem overwhelming and confusing to many individuals. This comprehensive guide aims to demystify life insurance by providing you with everything you need to know to make informed decisions about this important financial tool. Understanding Life…

[agnitfinvest]

Why Does a Mutual Fund Distributor in Gurugram Suggest Investing in Mutual Funds?

In today’s financial landscape, mutual funds offer numerous benefits that many investors may not fully understand. That’s where a mutual fund distributor in Gurugram can be invaluable, helping investors make informed decisions. Here are five reasons they might suggest adding mutual funds to your portfolio.

What Are Mutual Funds?

Mutual funds pool money from investors to build a diversified portfolio of stocks, bonds, or other securities. Managed by professionals, these funds provide potential growth, income, and stability.

Reasons to Invest in Mutual Funds

Professional Management and Expertise Mutual funds are managed by experienced professionals who make informed investment decisions on your behalf. This is ideal for investors who lack the time or knowledge to manage their own investments. Agnit Finvest, a mutual funds advisor in Gurugram can guide you in selecting funds that match your financial goals, leveraging the expertise of fund managers to maximize returns.

Diversification for Reduced Risk Mutual funds spread your investment across a variety of assets, helping to balance the risk. If one asset underperforms, the effect on your overall investment is minimized. A professional can help tailor your portfolio to your risk tolerance, giving you a more balanced and resilient investment.

Flexibility and Accessibility Mutual funds offer a range of options to fit different goals, from equity funds for growth to debt funds for stability. They’re also easy to buy and redeem, making them accessible for new and seasoned investors alike. A professional can recommend funds based on your unique needs, ensuring your portfolio remains flexible and aligned with your objectives.

Systematic Investment Plan (SIP) Options SIPs allow you to invest a fixed amount regularly, building wealth over time. This disciplined approach enables you to benefit from rupee cost averaging, which reduces the impact of market volatility. A professional can assist in setting up a SIP that matches your budget and financial goals, helping you invest consistently.

Potential for Higher Returns Compared to Traditional Investments Mutual funds, particularly equity funds, can generate higher returns over time compared to fixed deposits or savings accounts. While traditional investments offer stability, mutual funds offer growth potential, especially in the long term. A professional can help you select funds that provide a balance of growth and security to meet your financial objectives.

Conclusion

​Mutual funds offer a simple, convenient and affordable way to invest and grow wealth over time. But since it involves market risks it's always better to seek help from professionals, so that you make informed decisions always.

[haridwarmf]

How to select the best health insurance policy in Haridwar?

Choosing the right health insurance policy can be a bit tricky, but it’s essential for your peace of mind and financial security. Here’s a simple guide to help you pick the best health insurance policy Haridwar.

1. Understand Your Needs

First, think about what you need from health insurance in Haridwar. Are you looking for coverage just for yourself, or do you need a family plan? Consider any specific health issues you or your family members might have. This will help you decide on the type of coverage you need.

2. Check the Coverage

Look at what the policy covers. A good health insurance policy should cover hospitalization, pre- and post-hospitalization expenses, day-care procedures, and ambulance charges. Some policies also cover alternative treatments like Ayurveda and homeopathy. Make sure the policy covers a wide range of treatments and services.

3. Network Hospitals

Check if the insurance company has a good network of hospitals in Haridwar. This is important because you want to be able to get cashless treatment at a hospital near you. Cashless treatment means the insurance company will directly pay the hospital, so you don’t have to worry about paying bills upfront.

4. Claim Settlement Ratio

The claim settlement ratio is the percentage of claims the insurance company has settled. A higher ratio means the company is more likely to settle your claims without hassle. Look for companies with a high claim settlement ratio to ensure you won’t face issues when you need to make a claim.

5. Waiting Period

There is a waiting period for pre-existing diseases in most of the health insurance policies. This means you can’t claim for these diseases for a certain period after buying the policy. Check the waiting period for pre-existing diseases and other specific treatments. Shorter waiting periods are better.

6. Premiums and Deductibles

Compare the premiums of different policies. A premium is the amount you pay regularly to keep the policy active. Also, check the deductibles, which are the amounts you need to pay out of pocket before the insurance kicks in. Choose a policy with affordable premiums and reasonable deductibles.

7. Add-Ons and Riders

Some policies offer add-ons or riders for extra coverage. These can include critical illness cover, maternity benefits, or personal accident cover. Consider if you need any of these additional covers and choose accordingly.

8. Customer Reviews and Feedback

Look for reviews and feedback from other customers. This can give you an idea of the company’s customer service and how they handle claims. High ratings with positive reviews can be a good sign.

9. Consult a Financial Expert

If you’re still unsure, consult a financial expert. They can help you understand the different policies and choose the one that best suits your needs.

Conclusion

Selecting the best insurance policy doesn’t have to be complicated. By understanding your needs, checking the coverage, and considering factors like network hospitals and claim settlement ratios, you can find a policy that offers the protection you need. Remember, the right health insurance policy can provide you with peace of mind and financial security in times of need.