Swagmint Refs

Hi, tumblbuds!

I want to draw your attention to a rather wonderful free online research resource for all you writers who want to know more about science but don’t know where to start, or for you students looking for extra resources. Richard Feynman’s Lectures on Physics have held a unique position in science pedagogy since their initial publication in 1963. A comprehensive overview of mankind’s understanding of the physical world written with Feynman’s characteristic accessibility, humor, and reverence, the Lectures span three volumes covering everything from the basic definition of the atom to Quantum Mechanics and Einstein’s theories of Special and General Relativity. 

Volume I Volume 2   Volume 3  

Full and fair warning: while the Lectures are not a full, technical curriculum on par with getting a bachelor’s degree, they were written with lower-division college students in mind and many if not most of the entries rely on varying levels of mathematical knowledge, or at least a level of comfort following along with mathematical notation as it is being simultaneously explained in prose. The Lectures do generally progress in order, and it is not recommended that you flip to the middle of Volume III with an expectation of full understanding without having read at least some ‘prep knowledge’ lectures in the relevant subject area. Not ALL lectures reference math, however, and with the less-technically-minded reader in mind certain subsets of the Lectures were excerpted and published as Six Easy Pieces and Six Not-So-Easy Pieces. The Six Easy Pieces cover many conceptual fundamentals of physics in an accessible way while the Six Not-So-Easy Pieces deal entirely with Einstein’s Relativity. These twelve lectures are more or less completely understandable without foreknowledge, mathematical or otherwise, and are a good place to start (though the second set may come fully only with some re-reading). I have included the aforementioned subsets below:

Six Easy Pieces

Volume I Chapter 1: Atoms in Motion 

Volume I Chapter 2: Basic Physics  

Volume I Chapter 3: The Relation of Physics to Other Sciences

Volume I Chapter 4: Conservation of Energy 

Volume I Chapter 7: The Theory of Gravitation 

Volume I Chapter 37: Quantum Behavior

Six Not-So-Easy Pieces

Volume I Chapter 11: Vectors

Volume I Chapter 52: Symmetry in Physical Laws  

Volume I Chapter 15: The Special Theory of Relativity  

Volume I Chapter 16: Relativistic Energy and Momentum  

Volume I Chapter 17: Space-Time  

Volume II Chapter 42: Curved Space 

Richard Feynman’s larger-that-life personality only partially comes out in his writing, and for those of you who are interested in watching some of his famous lectures, a decent repository exists on YouTube. I have linked some such videos below:

The Character of Physical Law

Much of the information presented here overlaps with the Six Easy Pieces and Six Not-So-Easy Pieces.

Part 1: The Law of Gravitation  

Part 2: The Relation of Mathematics and Physics 

Part 3: The Great Conservation Principles  

Part 4: Symmetry in Physical Law  

Part 5: The Distinction of Past and Future  

Part 6: Probability and Uncertainty

Part 7: Seeking New Laws

Quantum Electrodynamics 

This lecture series is based on Feynman’s highly acclaimed accessible, if somewhat difficult, overview of Quantum Electrodynamics that fundamental physicist Anthony Zee described as neither a “typical popular physics book” nor a textbook, but “a rare hybrid.”

Part 1: Photons—Corpuscles of Light

Part 2: Fits of Reflection and Transmission  

Part 3: Electrons and Their Interactions  

Part 4: New Queries  

While Kip Thorne’s recent work on the film Interstellar is a particularly extreme (and great) example, the success of the movie is one indicator of many that the market exists for accurate, interesting science married with good artistry and storytelling. One rather interesting approach to this marriage I found in the work of James Kakalios, a physics professor at the University of Minnesota who has received acclaim for his classes and published novel on the “Physics of Superheroes.” In a behind-the-scenes featurette on the DVD of Watchmen (for the production of which he was head science consultant) Kakalios describes his approach to scientifically “accurate” superhero stories as centered on a single ‘miracle exception.’ If we allow for a single physical impossibility such as super-strength or the power of flight, etc., we can then, Kakalios reasons, work out otherwise realistic physical/scientific ramifications of the situation, creating a close approximation to ‘scientific accuracy’ in superheroes. Such a thought exercise might be interesting or useful for any kind of fantastical writing, I think, from the flight abilities of a dragon to a wormhole superhighway. Feynman’s Lectures certainly provide a wide enough breadth of subject matter to be applicable in a variety of such exercises. 

I hope some of you will find these works enjoyable or at the very least useful research tools. Feynman had a particular knack for conveying even the most difficult concepts to a general audience without sacrificing scientific truth or comprehensibility. To all of you who have wondered about the physical ramifications of Heisenberg’s famous Uncertainty Principle or what Einstein meant when he described a curvature of spacetime, this is as good a place as any (and a better place than most) to dive in. I hope you enjoy.

You know what’s awesome?  Research.  You know what’s not awesome?  Not being able to get access to research because it’s stuck behind a paywall and you don’t belong to an institution/your institution doesn’t subscribe to that particular journal.

FEAR NOT.

Here is a list of free, open access materials on a variety of subjects.  Feel free to add if you like!

GO FORTH AND LEARN SHIT, MY FRIENDS.

Directory of Open Access Journals- A compendium of over 9000 journals from 133 countries, multilingual and multidisciplinary.

Directory of Open Access Books- Like the above, but for ebooks.  Also multidisciplinary.

Ubiquity Press- Journals covering archaeology, comics scholarship, museum studies, psychology, history, international development, and more.  Also publishes open access ebooks on a wide variety of subjects.

Europeana-  Digital library about the history and culture of Europe.

Digital Public Library of America- American history, culture, economics, SO MUCH AMERICA.

Internet Archive- In addition to books, they have music and videos, too.  Free!  And legal!  They also have the Wayback Machine, which lets you see webpages as they looked at a particular time.

College and Research Libraries- Library science and information studies.  Because that’s what I do.

Library of Congress Digital Collections- American history and culture, historic newspapers, sound recordings, photographs, and a ton of other neat stuff.

LSE Digital Library- London history, women’s history.

Wiley Open Access- Science things!  Neurology, medicine, chemistry, ecology, engineering, food science, biology, psychology, veterinary medicine.

SpringerOpen-  Mainly STEM journals, looooong list.

This began as a guide to describing Afro/curly hair but of course, I got carried away. From look and texture of hair, colors and various styles, this guide serves as a thesaurus of sorts for hair, as well as pointers for use in your writing.

Culturally Significant Hair Coverings:

Know the meaning behind head wear and why it’s worn, when and by whom, such as a Native Nation’s headdress, before bestowing a character with it.

Head Coverings Resources:

More on various head coverings.

See here for more Islamic Veils. 

See here for more on the Nigerian gele.

See here on African American Headwraps. 

View our hijab and headscarves tags for discussion on these topics.

Afro - Curly - Straightened

There are many varieties of braids, twists & Afro hair styles; have some more!

African/Black Hair: Natural, Braids and Locks

African Hair: Braiding Styles 10 African Types

Describing Black (Afro) hair:

Appropriative Hairstyles: Keep in mind that Afro styles should be kept to those in the African Diaspora, such as dreadlocks, cornrows + certain and many braided styles.

Tread carefully describing Afro hair as “wild” “unkempt” “untamed” or any words implying it’s unclean or requires controlling.

“Nappy” and “wooly” are generally words to stay away from, the first having heavy negative connotations for many and the latter, though used in the Holy Bible, is generally not acceptable anymore and comes off as dehumanizing due to Animal connotations.

There are mixed feelings on calling Black hair “kinky.” I’m personally not opposed to the word in itself and usage depends on the person’s race (I’m more comfortable with a Black person using it vs. a Non-Black person) as well as their tone and context (if it’s used in a neutral or positive tone vs. negatively/with disdain). Get feedback on your usage, or simply forgo it.

See our tags “Black Hair” and “Natural Hair” for more discussion on describing Black hair.

Texture - Look - Styles

Hair Colors and Style

Writing Tips & Things to Keep in Mind:

Combination Words: Try combing words to illustrate look of hair. A character with springy coils that dance across her shoulders with every movement, the man with thick silvery hair slicked back into a ponytail…

Mind Perspective: Depending on POV, a character might not know exactly what cornrows or a coiffure style is, at least in name, and it might make more sense if they described the hairdo instead. More defining terms might come from a more knowing source or the wearer themselves. One book I read described a girl’s afro puff as “thick hair pulled up into a cute, curly, poufy thing on top of her head and tied with a yellow ribbon.”

POC & Hair Colors: People of Color’s hair comes in all shades and textures. There are Black people with naturally blond and loosely-textured to straight hair, East Asian people with red hair, and so on. Keep that in mind when coding characters if you tend to rely on hair color alone to denote a character is white vs. a Person of Color.

Related Tropes: There are tropes and discussion related to People of Color, colored hair, and light-colored hair and features. 

Check out these posts on the topic: The East Asian Women + Colored Hair Trope - Black Characters & “Wild” Hair Colors - POC w/ Supernatural Colorful Features. - ‘Uncommon’ Features & POC Characters

Hello, writerly friends~ ♥︎

My Writing Advice Masterpost is back! Now featuring the best questions and answers from the last three years, along with all of the videos from my writing advice YouTube Channel!

This post will be updated every week with new writing advice videos, playlists, and responses! So, make sure to bookmark THIS page and follow my blog (maxkirin.tumblr.com) so you don’t miss a thing!

Writing Advice Compilations

The NaNoWriMo Survival Guide

M. Kirin’s NaNoWriMo 2014 Writing Advice Videos

WRITERS UNITE! A book of writing advice, inspiration, and tips! Written with the help of 248 Tumblr authors. FREE DOWNLOAD!

Writing Exercises & Prompts

Virtual Writing Academy (Video Series)

Daily Story Seed

Daily Weird Prompt

Daily Character Question

Your Writing Horoscope (Retired)

“Can I publish a story based on one of your prompts?”

Did you know that I have published a book of Story Seeds? Sounds interesting? You can learn more about it HERE! c;

Motivation & Inspiration

Daily Writer Positivity

How to Regain the Motivation to Finish Your Novel (Video)

How to Finish Your First Novel (M. Kirin’s Origin Story)

M. Kirin’s Top 3 Tips for NaNoWriMo

The 7 Cardinal Rules of Writing Life

Neil Gaiman’s “Make Good Art” Speech

Neil Gaiman’s 8 Rules of Writing

Elizabeth Gilbert’s Inspirational Speech on the ‘Genius’

What Confidence Is and Is NOT

“I’m afraid writing is a waste of time”

“I’m half-way through this book and I’m stuck”

Stop Trying to Impress People

Stop Trying to Make Your Parents Proud of your Writing

Your Parents Disapprove of Your Writing?

You’re Not The Worst Writer In The World

English Not Your First Language? Neither is Mine

Are You Worried Nobody Will Take You Seriously?

Dealing with Hate and Harsh Criticism

Why You Need to Develop a Thick Skin

Feeling Down About Your Writing?

“I am not as good as other writers” (and other lies)

Be A Little Delusional

Planning, Outlining, and Getting Started

How to Plan Your Novel (Video)

The NaNoWriMo Survival Guide (Video)

How Much World-Building is Enough? (Video)

The *Right* Time to be Critical of Your Writing (Video)

Overcoming the Fear of Getting it “Wrong“ (Video)

The Story-Idea Test

M. Kirin’s Click-n-Drag Story Generator

Which outlining method is the best?

"I want to write a book but I have no idea where to start”

M. Kirin’s Secret for Starting books, and Finishing Them

M. Kirin’s Top 3 Tips to Start Writing and Never Stopping

Tips for writing Science Fiction, Fantasy, and Paranormal

M. Kirin’s #1 Tip For Improving Your Writing

Let’s Talk About: Show VS Tell

The Difference Between Character & Plot (The Marcy Rule)

Dialogue

M. Kirin talks about authentic dialogue

The grammatical side of dialogue

How do I write numbers in dialogue?

Editing & Revision

M. Kirin’s Top 5 Revision Tips

How to Love and Care for Your Beta Readers

M. Kirin’s (subjective) secret recipe for the second draft

When is the best time to edit a story?

M. Kirin Talks About Editing, and Speeding Up Your Story

M. Kirin Uses Evernote to Revise Books

“Kill Your Darlings” VS “Cut What You Love”

Writing Killer Plot-Twists and Mystery Novels

“How long is a Rough Draft compared to the Finished Draft?”

Hot-Button Issues

Let’s Talk About: Filler (Video)

Let’s Talk About: Deus Ex Machina

Let’s Talk About: Coincidence in Writing

Realism is a dirty word

Racist & homophobic language in fiction

Inaccuracy in Fiction (Video)

M. Kirin drops a few bombs on ‘creative vocabulary’

“I want to write but I don’t have the time”

Is it bad to have too many LGBTQIA or POC characters?

“My antagonist is POC/LGBTQIA, is this bad?”

“All my characters are LGBTQIA, is this bad?”

When to let go of a story

Is it rational to be afraid of what people will think of you?

Let’s Lightly Talk About: Plagiarism & Copyright

Writing About Things You Have Never Experienced

“Do you need to go to college/university to be a good writer?”

My book is similar to something already out, what do I do?

General Advice

M. Kirin’s Cure For Writer’s Block (and Life Block)

A [Strange] Tip For Writing More! (Video)

Overcoming the First Sentence (Again) (and Again)

Let’s Talk About: Pen Names!

Let’s Talk About: Reactive VS Proactive Characters

Let’s Talk About: Transitioning Smoothly From Scene to Scene

Let’s Talk About: Writing The Climax (& Resolution)

Let’s Talk About: Writing The End

Let’s Talk About: Spies

Let’s Make a Title (To A Story You Haven’t Finished)

The 10-Minute Rule

Making Boring Scenes FUN to Write!

Stories are like children

Let’s Talk About Titles (And Then Talk Some More)

M. Kirin Reveals the ‘Secret’ Behind Style

How much description/scenery is too much?

How can I write faster?

I want my readers to love my characters

I think my book may be too short for my genre

I killed one of my main characters by mistake, what do I do?

M. Kirin’s Writing Advice for Fleshing out Romantic Relationships

A warning about character names and meanings

Past or present tense?

Is swearing okay? And other muthafuckin’ truths

“What emotion do you find hardest to write?”

“What writing software do you use?”

Communication, a must for collaborative works

Researching illegal things, cousin? I got just the thing for you!

Joss Whedon’s Top 10 Writing Tips

M. Kirin’s Tarot Cheat-Sheet

Writing Tips for Storytelling in Video-Games

Fair Use In Novels (by thedancingwriter​)

Publishing

Publishing Battle: Indie VS Traditional

“How do I turn my book into an eBook?”

Writing Music & Playlists

Top 10 Songs For Writers

Writing In The Dark (Unobtrusive)

Writing About Love

Writing & Fighting!

Writing About Horror

Royalty And Noble Blood (Medieval/Fantasy)

Digital Reality (Cyberpunk/Futuristic)

Lost In The Wild (Survival/Nature)

No Hero (Action/Anti-Heroes)

Mermaid Magic (Mysterious)

After The Bomb (Post-Apocalyptic/Dystopian)

Sorrow (Sad/Despair)

Upon Black Wings (Adventure/Dragons)

Haunted Mansion (Horror/Supernatural)

Childhood Friends (Happy/Uplifting)

Music For Writers: Portal 2 Soundtrack (FREE)

M. Kirin’s Favorite Music to Listen to While Writing

M. Kirin’s Secret For Making Playlists

Miscellaneous

Finally! An Ask-Meme for Writers! 

M. Kirin’s Philosophy for Running a Writing Blog

apparently there is a version of Wikipedia called Simple Wikipedia

and the site is for people with different needs, such as students, children, adults with learning difficulties and people who are trying to learn English

lexicityonline has a [treasure trove of resources] for a wide array of ancient languages. This is definitely a site worth bookmarking, particularly those working with ancient manuscripts and languages in seal/sigil/lamen construction.

At the time of this post, they have resources for the following 28 languages:

plain rice goes a long way for meals, and so do dried beans! they usually go for $1/lb at the store

huge bags of potatoes usually go for <$5 at grocery stores, and, when stored properly, they last a long time!

spending a little bit more up front for spices and/or sauces REALLY helps when you’re eating the same plain rice and vegetables every day!

look up ways to make your vegetables last by regrowing or freezing!

SPEED - DISTANCE TIME CALCULATOR!

This is an amazing and oh-so-helpful tool. It’s original intended use was for cyclists, but it can be used for non-cycling purposes.

Average walking speed: 3 mph

clean meals under 50 for a week

the $50 food budget

week of meals (mostly just dinners) for $50

college students healthy on a budget

best container plants to grow in shade

how to grow an indoor herb or vegetable garden

6 veggies to grow in doors

1. Game Making Tools

[no coding required]

construct 2

gamemaker studio

stencyl

clickteam fusion

[some coding required]

unity

unreal engine

[more info]

…more game making tools

showcase of games that were created with these tools

2. Graphics

[create your own graphics]

photoshop

gimp

piskel

pixlr

…more graphics programs

[download graphics]

opengameart.org

[create your own models]

3ds max

maya

blender

…more 3d modeling programs

3. Sound & Music

[create own sounds]

bfxr

audacity

…more sound/music creation software

[download sounds/music]

freesound.org

incompetech.com

…more royalty free sounds/music

4. Distribution

[upload your game]

dropbox

indiedb

itch.io

gamejolt

newgrounds (only flash/html5/unity games possible)

kongregate (only flash/html5/unity games possible)

…more distribution options

info:

creategames.tumblr.com by @PixelProspector

that program is CloudAlpaca (which I am testing right now)

its basically firealpaca with the same layout as always, but it also comes with the features of a manga program such as screentones and such. so far i love it!!! 

suchirolle:

rileyav:

don’t save as jpeg

as a former yearbook editor and designer, let me explain this further

if youre only planning on posting your art online, them please save it as .png ;this is also better for transparencies as well

BUT

please, if youre planning of printing your art, NEVER use png. it makes the quality of the image pretty shitty. use jpeg or pdf instead. and always set your work at 300dpi to get a better printing quality - this means, the images are crisper and sharper and theres no slight blurriness. i had a talk with my friend who is currently taking design, and pdf is much better to use when youre working with a bigger publishing company because it still has the layers intact, but if youre only planning on printing your stuff at staples or at some small publishing store, the jpeg is the way to go.

this has been a public service announcement

I’ve replied to this once before but I see it’s doing the rounds again.

This is all utter bullshit.

I’m sorry but if your qualification is working on the school yearbook, you have no qualifications. Do not pretend otherwise. As a former professional photo manipulator for advertising brochures, I can say that you’re not comparing apples to oranges here - if anything, you’re comparing fruit to farmyard machinery:

JPEG is a lossy format. It is suitable for web imagery because it sacrifices detail for reduced file sizes, but in doing so it introduces artifacts that weren’t in the original; if you load a JPEG for editing, then save it as a different JPEG, then you’re adding more artifacts formed from those first artifacts. Do this often enough and you end up with a horrid glitchy mess that looks like a puddle’s reflection after a stone’s been thrown in. You’ve seen those memes that have 3 or 4 different “found at” tags along the bottom, that look like fingerpainted copies of the original? That’s why.

PNG is a lossless format that comes in two primary flavours, PNG-8 and PNG-24, which use 8 and 24 bit colour respectively. 8-bit colour is what you have in GIFs, a limit of just 256 different colours in a predetermined palette, usually automatically chosen by your software when saving. These files will look the same as GIFs, potentially with large patches of solid colour instead of the usual gradual shading seen in 24-bit imagery. This is usually better for small banners or pixel art, as it can yield smaller filesizes than GIF format. (There is an animated version called MNG but it has very little web support, hence the continued use of GIFs.)

PNG-24 is great for larger images where detail is as important as colour depth, as well as printable RGB images and (if supported by the client) full colour images with gradient transparencies. It most certainly does not make “the quality of the image pretty shitty,” as it preserves every nuance. File sizes can be smaller than JPEG for small images, or significantly larger for large images.

PDF is a container file, whatever you put into it will be pretty much preserved as it was, so you gain nothing but lose nothing.

TIFF is what you need to be using for archival or print-quality imagery. It has support for multiple layers, multiple colour channels (RGB as well as CMYK, which is essential for accurate print rendering), and everything is preserved exactly as it was seen on-screen when being composed. There are compressed versions available, they use similar methods to PNG in order to maintain detail without sacrifice; next to whatever your graphics program uses natively, this is the most interchangeable format available for professional use.

DPI is important only when used in combination with image dimensions; in and of itself it serves no purpose. If you make a brilliantly detailed 640x480 image & set it to 300dpi, you’ll receive a brilliantly detailed 2 inch x 1.6 inch print. This is great if you want to make a postage stamp, but not if you’re creating an A4 flyer! Determine the image’s dimension then set the DPI accordingly; 72dpi isn’t hideous especially for text-heavy work (it’s ~3 pixels per millimeter), and 150dpi can be suitable for many images. Unless you’re interested in photo realism, 300dpi is usually overkill - for our hypothetical A4 flyer, you’d need a file of 2490x3510 pixels for edge to edge printing, with a correspondingly high memory requirement and filesize even if using a compressed format.

Keeping the layers intact is utterly unimportant for print work unless you want to use a separated colour print method that requires multiple passes to lay down each ink. If you send a file with all the layers, masks, etc. off for printing you’re liable to get it sent back unactioned, as they won’t want to take responsibility for choosing the wrong elements for printing. Save your work with everything intact, then save a flattened copy especially for printing purposes - this is one of the reasons Save Copy As… is a common option in graphics manipulation software.

This has been a Public Service Rebuttal.

Why am I littering your dash with mind-numbing insurance crap?

Because the world of health insurance is complicated, and you can still lose everything if you have coverage and fail to navigate it correctly. 

Even if your eyes glaze over instantly at the subject, I suggest you bookmark this as a future reference, because you either have your own insurance now, or you will someday soon, and there isn’t anybody who doesn’t need this knowledge. (Yes, I know there’s a double negative in that sentence. This is a financial post, not a grammar post.)

If you think this is valuable info, I ask you to please share it. You could help somebody save money/sanity. 

My cred: 

I write health plan docs for a living. I’m an Obamacare expert. I help clients with plan design, so I know the tricks. I implement federal mandates from HHS, IRS, DOL, and state agencies in order to keep my clients legally compliant. I know how to avoid penalties and coverage gaps. I know the tricks of plan design that are implemented to save employers money. I know which laws apply to which types of plans. I know how many ways participants can get severely burned if they don’t know how this works.

1. Your network is everything.

Never visit any type of practitioner without first checking if they are in your network. This is gospel. Many plans have separate INN and OON deductibles and out-of-pocket maximums that do not accumulate together. Some plans have an unlimited OON out-of-pocket limit, so you can still go completely bankrupt if you go OON.

Most plans have network provisions that will cover some OON providers at the INN level: emergency services until you’re stabilized (this is a federal mandate for non-grandfathered plans), No Choice of Provider provision if ancillary services are performed OON (e.g., if an INN physician sends your labs to an OON facility), and various out-of-area provisions. If you don’t know, call the customer service number and ask. 

Physicians join & leave networks all the time. Even if your doc isn’t listed in the most recent Provider Directory, it never hurts to ask.

Many plans also have wrap networks that will negotiate with OON providers and facilities, so if all else fails, ask if your plan utilizes one of these to negotiate on your behalf.

2. Understand when your deductible accumulates & resets.

Your deductible is the amount of $ you pay for all services & prescriptions (except mandated preventive care on non-grandfathered plans) before your insurance pays a dime. This is in addition to the $ you pay for your premium. If you’re on an HDHP (high deductible health plan) or CDHP (consumer-driven health plan), your premiums will be very low, but your deductible will be very high. I’m on an HDHP, and my individual deductible is $2,600. Steep.

Deductibles usually reset every January 1, but some plans run off-year. Know your dates. If you’re on an HDHP, use the hell out of the HSA (health savings account) if available. 

3. Preventive care is free!! Woohoo!! 

The Affordable Care Act mandates certain preventive services be covered with no cost-share. 

You can find the list of services here: https://www.healthcare.gov/preventive-care-benefits/

The woman-specific list is here: https://www.healthcare.gov/preventive-care-benefits/women/

These lists are updated frequently, and new services are added every few months. My $500 Mirena IUD is now covered 100%, and the deductible is waived. The HPV vaccine is now covered for everybody between age 19-26. Depressing screening is covered. Tobacco cessation, immunizations, STI screening & counseling….all covered.

4. Preventive care isn’t free under every plan! Booo!!!

If your plan is grandfathered, they will likely opt to cover preventive services at the general benefit percent. The deductible will also apply. They are still allowed to exclude any preventive services they want. 

Your plan document will (should) state whether your plan is grandfathered or not. If the doc is silent, call the carrier’s customer service line and ask.

5. Assume every EOB/bill you receive has at least 1 error, ESPECIALLY on hospital visits.

For the most part, claims processors have ZERO medical background. They’re paid just above minimum wage and are paid based on how many claims they process per hour. So you can guess how often errors happen. 

I just had a preventive OBGYN claim come back as not covered, even though it should have been covered at 100%. If I didn’t know about the PPACA mandate, I would’ve just paid $219 out of my own pocket for an office visit that is supposed to be free. 

You are paying enough/too much already for your premiums and deductibles. Make damn sure your claims are being processed and paid correctly. Raise hell if not, and get familiar with the appeals process.

6. Check your Medical Plan Exclusions before you go for any service.

Can’t stress this one enough. 

7. Some plans offer surprisingly generous benefits such as 3-D mammography, genetic/genomic testing, acupuncture, and bariatric surgery.

Look at your Schedule of Benefits, but also check your Covered Charges for details on coverage and limitations.

There are federal mandates like the WHCRA, which requires all plans to cover the cost of breast reconstruction after mastectomy. Your plan document should have a section that lists federal notices.

The Mental Health Parity & Addiction Equity Act also requires plans to cover mental health & substance abuse services & facilities at the same level as the medical services & facilities. For example, a plan that covers a skilled nursing facility (medical) must also cover a residential treatment facility (MH). This is a bigger deal than it probably sounds like.

8. Check pre-certification requirements. 

This is a cost containment strategy, and a lot of people aren’t even aware that covered charges are often denied/penalized if you don’t obtain pre-cert before the service. Again, check your plan document or call customer service. The most common services requiring pre-cert are: all hospitalizations (excluding routine labor/delivery), surgical procedures, transplants, clinical trials, outpatient rehab therapies, chemo & radiation, speciality drugs, home health care, durable medical equipment, prosthetics, and advanced imaging (MRI/MRA, CT scan, nuclear imaging, etc).

Any penalties you pay for failure to pre-cert won’t apply to your out-of-pocket maximum, so they really super suck. Some plans outright deny all claims for services that aren’t pre-certed.

9. You shouldn’t go broke.

Under PPACA, your in-network out-of-pocket maximum is limited. This means that you will never spend more than that amount in any year for covered services received from an in-network provider. The key here is the network, which I have to mention again since it is so critical. 

Watch your EOBs carefully and monitor your accumulators (deductible and out-of-pocket limit). You can’t rely on the claims processors to get it right. I know it sucks and isn’t fair, but it’s the reality, and it’s your money on the line. There isn’t a claims processor or appeals lawyer in the world who will care more about your money than you do, so it really is up to you to be aware.

Godspeed, friends, and good health to you.

I did my very first artist alley at AOD2015! I did a lot of research beforehand to help prepare, but one thing that I thought was missing from all the articles and blog posts I read was a step-by-step guide from the perspective of a beginner. So, I decided to put one together myself! I’m not entirely sure if this is the right way of preparing, but this is what I did and it worked for me.

If you’d like to know how I did it, read on!

toastyhat:

studysexcoffee:

positive-affirmation:

Stop, Breathe & Think

I’m sure I’ve seen a post about this before but nevermind. I’ve been using app for a little while and it’s available to download for free on iOS and Android as well as being available online. I highly recommend it and thought it may be helpful for others to know about it.

It’s a guided meditation app that allows you to input how you’re feeling mentally, physically and emotionally and then brings up suggestions for meditations.

It’s been so useful for me as I often have trouble relaxing and slowing down. All the meditations are brilliant and the woman who talks you through them has a lovely voice. The meditations are different time lengths so even if you only have a couple of minutes to spare you can still listen to one to unwind.

http://stopbreathethink.org/

I tested the app myself and all I can say is: You should download it! It´s amazing!

Hey!  I’ve been using this regularly for a while now so I thought it might be worth re-reblogging with my own vote of confidence!  I’ve only ever done generic relaxation audios, and the specific exercises for compassion, isolation, or other issues have been really effective.  Definitely recommended!

This app is really fantastic, and people who follow me know I’ve been going through a very very rough patch over the last couple of weeks. I tried it out the last time Ms. Toasty reblogged it and it has done absolute wonders for me.