I regret to inform you that Discord's new Terms of Service includes an arbitration clause. You can find it here https://discord.com/terms/#16. This clause includes an opt-out, which I have transcribed here:

You can decline this agreement to arbitrate by emailing an opt-out notice to [email protected] within 30 days of April 15, 2024 or when you first register your Discord account, whichever is later; otherwise, you shall be bound to arbitrate disputes in accordance with the terms of these paragraphs. If you opt out of these arbitration provisions, Discord also will not be bound by them.

These clauses are underhanded ways that corporations seek to deprive you of your right to participate in class-action lawsuits and your right to a jury trial. (This does only apply to us users ,other people still spread the word though )

Turnabout Siblings

I wish you’d hold me when I turn my back The less I give the more I get back Oh your hands can heal, your hands can bruise I don’t have a choice but I’d still choose you 

Hey, y'all, this is a reminder for anyone that has student loans that they are defaulted on or in collections for:

Apply for Fresh Start NOW if you haven't already done so. Like right now. Do it right this very second do not put it off any longer.

If you don't know, applying for Fresh Start will move your loan status from "Default" to "Current," you will no longer have to deal with collections calls! You won't have your wages garnished or your tax refunds taken by the Education Department! The default gets removed from your credit and you become eligible for federal mortgage programs! You become eligible for Income Driven Repayment (IDR) programs that can reduce your monthly payment in a huge way (from $400/month to $50/month for me!) and you get IDR credit for the three years you were in default during the pandemic freeze!

It only has upsides!

I mean it, it can make a huge difference! You can even submit both Fresh Start and an IDR application at the same time. It takes literal seconds. I had my name legally changed and I'm still eligible! I clicked like 3 buttons, checked a couple boxes, and boom. I sent off the application August 22nd and I got the letter yesterday (Sept 20th), but that letter was dated Sept 1st and was only to inform me that my loan was no longer in default would be transferred to a new loan servicer by the end of the month. It took a week and a half to process.

I also became eligible and received a refund check for money taken from me during the starting stages of the pandemic.

The best time to do it is now. Period.

Do. It. Right. Now.

I want to write an essay about Greg Egan's Diaspora vs. 4D Golf.

Diaspora is, among other things, about what you have to become in order to traverse higher spacial dimensions. About how your mind, and thus your self, have to contort in order to make sense of the higher order physical reality our universe is at the mercy of, that a three dimensional mind is too limited to unravel.

4D Golf says here is a brisk 20 minute tutorial, after which you will be able to play mini golf in a higher number of spatial dimensions. And it works??

reblog to EVIL BOOP the person you reblogged from >:3

I feel like I should make a post about this because it’s not something that’s very well-known, and that Americans in particular may need to know about given the uncertain state of our healthcare system at the moment. I’ve wanted to write this out for a while, It’s kind of a long post, so sorry about that!

If you have an emergency and have to go to the hospital, you’ll owe the hospital a lot of money. (I got into a car wreck and broke my ankle and my arm. My hospital bill was around $20,000)

You’ll also owe the ambulance provider, if you need one. (My ambulance bill was about $800)

You may get separate bills from the anesthesiologist or surgeon. (My anesthesiologist bill was $1,700)

You may need follow-up appointments. (My orthopedic surgeon billed me for the appointments and his surgery together and it was about $1,000)

You’ve also got to pay for medical equipment you need afterward, like crutches or a walking boot. (Mine cost about $75)

Altogether, I ended up with almost $24,000 in medical debt from one car accident. That’s a really scary number for someone like me who makes $10/hr at a 12 hour a week job.

I got my debt down to $1075 by making some phone calls and submitting some paperwork.

The first thing I did was contact the hospital. They don’t make it easy to find, but many hospitals (perhaps most hospitals?) have financial assistance programs for people who can’t afford medical bills. I don’t make a lot of money, and I have bills to pay, so they were able to help me. I called the billing department and asked if they had any assistance programs for low income people who can’t pay their bills. I had to call multiple times, and I got transferred in circles by people who didn’t know what I was talking about. Finally, I got an appointment with someone in “Eligibility Services” (I don’t know what other hospitals call it, if it’s something different). I had to bring my pay stubs and copies of all of my bills. When I got to the hospital for the appointment, nobody knew what I was talking about so I had to wander a little to find where I needed to go. I spoke with the guy in Eligibility Services, and I waited for a decision on how much of the bill they would forgive. A month later, I got a call telling me it was totally forgiven.

I did the same thing for my ambulance bill and my anesthesiologist, but the process was a LOT easier. I just had to mail some paperwork and it was totally forgiven.

I didn’t bother with the medical equipment suppliers, since the bills came from separate companies and I didn’t feel like going through the process twice for $75. I was assured at the hospital that they had similar programs for debt forgiveness, so I could have probably avoided paying that too.

The only thing I couldn’t get taken care of was the surgeon/follow-up appointment cost, but they were able to put me on a no-interest payment plan.

Medical debt is scary because it’s something that can come from stuff that’s already really scary. I didn’t need the burden of $24,000 in debt on top of trying to get around on a crutch with a broken arm (it’s not easy, believe me!).. but I can’t imagine what it would be like with a bigger debt or a more severe medical emergency. I see lots of people in even worse trouble than I was in, both financially and medically. Please know that there are options for you when that GoFundMe doesn’t do enough. Even if your income is higher than mine, it’s worth a shot even for partial debt forgiveness.

Is it just me or are the new tumblr users convinced there's a penalty of some kind for using this site like it's meant to be used?

Me Giving a Pressed Conference: our advocacy for the disabled must include the addict, the imperfect victim, those we despise; the right to autonomy and life cannot devolve into a popularity contest

Reporter I Hate (Not Sexual Tension): Does that include all the attendees of the Bored Ape NFT event who went blind

Me: *Blood streaming from my nostrils and eyes* david, it includes everyone

Reblog to open a rail line from your blog to the person you reblogged this from

i genuinely hope that boop day inspires everyone to interact more with other tumblr users. because it’s clearly way more fun this way!! even once the boop button is gone, there’s still asks, tag and ask games, comments, dms, fuck it let’s bring back blog rates i don’t care. part of the reason that tumblr is dying is that its way less social than it used to be. let’s fix that!!

do you love the color of the sky

Nooooooo my activity page is usable again.

I am an accomplished member of society