u/Naive-Rock-8207

Thanks for any help!

I'm looking at the description on OSU's page and this is the most I can find about eligibility:

>Students eligible for the Buckeye Opportunity Program must: > - Be Ohio residents. > - Be enrolled full-time on one of Ohio State’s campuses or at Ohio State ATI at CFAES Wooster. > - Be in good academic standing. > - File the FAFSA by the Feb. 1 priority date each year. > - Be eligible for the Federal Pell Grant.

Does this apply to literally anyone meeting these requirements? I am a nontraditional transfer student in my 30s who would be at the sophomore level. It's my first degree. My income is below the poverty line and I qualify for medicaid/snap. So I'm assuming I would qualify, but need to be sure before I abandon pursuing the Buckeye Bridge program. Are there term limits/is it for undergrads only, on their first degree only?

Also, do they require you to accept available federal loans before granting any assistance?

I really crave difficult-ish games that let me experience skill progression. Ones where I have to fight a boss a bunch of times to learn its attack patterns and work on my reaction timing. I also LOVE (loved?) puzzle games that make me take in a bunch of information and connect the dots.

I know that this is essentially satisfying my drives for problem solving, skill progression, and learning in general which have always been pretty high.

Are there any useful real-world skills I could redirect this energy toward? For physical skill/muscle memory, I only think of sports. As for problem solving, I've literally considered trying to work my way through a math textbook and master each section. But I feel like there have to be other options. Maybe something that will encourage more of a social life? I want to hear what hobbies other people have had success with :)

I should also note, I just started going back to school for engineering, so I got that part covered. It will naturally take over in a couple years once I transfer to uni, but I'm in early days community college classes/GE curriculum so it isn't super stimulating yet.

Is OSU particularly reputable for these things? Love my local vet, but I want to take him somewhere well equipped/experienced with potential complications and I'm willing to pay extra.

I'm looking at opening an IRA and throwing the excess money into it to reduce what is considered taxable for the month. I typically have less than ~$500 in my bank account and have no other assets so if it ends up also counting toward my assets I believe I'd be good and under the $2000 asset limit?

Would this work? Feels like a shot in the dark and like I might be oversimplifying here.

I know there's something about "spend-down" but I don't think I would qualify as a working adult without a disability?

I expect my income to be below the limit again in June.

Any other ideas welcome. Thank you!

Or should I just call the number on my credit report? It's only $60 so I'm paying the entire thing. I feel like it's so easy to make a silly mistake so figured I would consult you all first. Thanks!

Context: Mostly just looking to know that I'm interpreting the situation correctly, I think I am- Person t-boned me and ran off, but the car wasn't on their insurance. Their insurance (progressive) sounds like they won't be paying a dime. I owned the car outright and had collision/uninsured motorist so I got paid out less my deductible ($500) and my insurance was planning to pursue subrogation, but it doesn't look like they will be successful.

I'm guessing that, in layman's terms, this means I can go fuck myself? Seems like there isn't much I can do. ln Ohio, insurance follows the car, not the driver...

If so, what are my options? Small claims court to get my deductible back? Can I do anything else? I'm guessing recovering anything beyond the deductible such as damages or rental costs would have to be me suing them? I know these last questions aren't really insurance related but I felt like yall would be in the know.

Letter from progressive (sorry for poor formatting):

Coverage Information Letter

Dear (me),

As you may know, I am handling this claim on behalf of the Progressive Direct Insurance Company

("the Company"). The purpose of this letter is to notify you that the Company has concluded that

there is no coverage for this loss as set forth below.

The investigation to date reveals that:

The holder of the below-referenced policy, (name)

owned the (vehicle) involved in the loss for a period exceeding 30 days prior to the loss. The vehicle was not listed on

the below-referenced policy at the time of loss.

The Company has concluded that there is no coverage for property damage or bodily injury pursuant to policy (policy#) under (Form 9611 OH (02/16) effective from February 28, 2026 to expiration date August 28, 2026 ("your policy"). Thus, the Company will not be responsible to pay for this part of the loss. Specifically, the Policy at issue provides, in relevant part:

GENERAL DEFINITIONS

1. "Additional auto" means an auto you become the owner of during the policy period that

does not permanently replace an auto shown on the declarations page if:

a we insure all other autos you own;

b. the additional auto is not covered by any other insurance policy:

c you notify us within 30 days of becoming the owner of the additional auto; and

d. you pay any additional premium due.

An additional auto will have the broadest coverage we provide for any auto shown on the

declarations page. If you ask us to insure an additional auto more than 30 davs after vou

become the owner, any coverage we provide will begin at the time you request coverage.

5. "Covered auto" means:

a. any auto or trailer shown on the declarations page for the coverages applicable to that auto

or trailer:

b. any additional auto:

c any replacement auto; or

d. a trailer owned by you.

11. "Replacement auto" means an auto that permanently replaces an auto shown on the

declarations page. A replacement auto will have the same coverage as the auto it replaces if

the replacement auto is not covered by any other insurance policy. However, if the auto being

replaced had coverage under Part IV-Damage To A Vehicle, such coverage will apply to the

replacement auto only during the first 30 days after you become the owner unless you notify

us within that 30-day period that you want us to extend coverage beyond the initial 30 days. If

the auto being replaced did not have coverage under Part IV--Damage To A Vehicle, such

coverage may be added, but the replacement auto will have no coverage under Part IV until

vou notify us of the replacement auto and ask us to acd the Coverage,

PARTI-LIABILITY TO OTHERS

INSURING AGREEMENT

If you pay the premium for this coverage, we will pay damages for bodily injury and property

damage for which an insured person becomes legally responsible because of an accident.

EXCLUSIONS-READ THE FOLLOWING EXCLUSIONS CAREFULLY. IF AN EXCLUSION APPLIES,

COVERAGE WILL NOT BE AFFORDED UNDER THIS PART 1.

Coverage under this Part I, including our duty to defend, will not apply to any insured person

for:

12. bodily injury or property damage arising out of the ownership, maintenance or use of any

vehicle owned by you or furnished or available for your regular use, other than a covered auto

for which this coverage has been purchased;

The company also reserves the right to examine any additional coverage issues that may develop

during our investigation. No action taken to date, nor any action Progressive may take in the future

to investigate, explore settlement, or defend a lawsuit arising out of this claim, shall be deemed an

admission of coverage under the policy.

Or stole, maybe? I'm just genuinely so confused about why they wouldn't want me to pay them. The girl that dropped it off to me seemed kind of nervous but might've just been a lil awkward. Wondering if maybe there was something they fucked with not knowing it was different about a hybrid?

My mpgs seem okay and it doesn't sound straight-piped, for the record 😆 And it's a legit (although very small) business with a location too, not like some random dude off facebook.

I feel really insecure about my shoulders being hard as brick and trying to escape up to my earlobes. Every person who has ever touched my shoulders has commented on how tight they are, some in total shock. I fear it's visible. It's also causing me issues with trying to heal through mindfulness because it's making me so aware of how uncomfortable it is to just exist in my body. Trying to relax creates pain sometimes.

I just don't know what actually works for this. Do I need to focus on my nervous system, or is that only half of the puzzle? Regular deep tissue massage didn't even make a dent. Is it really possible to come back from this? Will I ever know what it feels like to have regular relaxed muscles?

My inflammation has been somewhat worse on reta. Puffy face, rosacea, worsened my fibromyalgia a bit. However it helps in other ways. I've seen a couple people mention stacking with tirz for inflammation. Anyone had success with trying this? How did you split your doses? I'm at 4mg reta and thinking of dropping that down to 3 while adding in 2.5mg tirz.

Leaving early? Name your price! I want to surprise my girlfriend who got really into Tool last year but can't afford it at full price, unfortunately. Figured it was worth a shot.

I've got a doctor's appointment today and I'm thinking of asking for a more in depth panel. I've seen people talk about thyroid levels trending hypo and zinc levels getting low so I'll start there, but is there anything else worth getting? Especially with having had periods of undereating (I've improved this recently but it was concerning before).

Are there any PMDD related labs to get? I just saw another post here from a woman who saw improvement and it made me realize I have too!

Porch swing? Hammock chair? Is there anything you find almost as comfortable and relaxing in a smaller size? Or should I just stick with my pretty-comfy outdoor couch? Curious if there's anything that comes to mind for my fellow hammock lovers.

As for the weight, I know everyone says "body recomp", but truthfully, I have not been eating enough at all or well. I'm working hard to fix that. I don't work out either. But I've gone down a pant size in the space of like 2lbs. Is my body really making muscle, or is something else going on?

Secondly, the main reason for my less than ideal diet and probably too severe calorie restriction is food repulsion. When I'm not actively desiring a food, it makes me ILL to try to eat it. I'm talking gagging the whole way down. I'm not kidding you guys when I say I'm seriously looking into feeding tubes.

Maybe I should smoke some weed...

:(((((((

EDIT: I made this confusing when I first posted it so I've tried to be a little clearer. And thanks for your responses so far. I definitely have a better understanding now.

So I'm trying to file my 2024 taxes. I just used freetaxusa for my 25 return and it all went smoothly. But only now, after I got through most of the software AND paid them $90 (I worked in 5 different states so $18 state returns x5), did they tell me I would have to complete the ID.me process to file electronically because they need me to have a PIN. I believe ID.me is a privacy nightmare, so I will not be supporting that. However, I would still like to e-file. I spoke to an IRS agent today who said that these requirements from freetaxusa are not something coming down from the IRS directly.

Also, freetaxusa is not letting me e-file any of my state returns either. It says that I would have to e-file my federal return in order to be able to do so.

So is this universally true, or could I use a different software to e-file without a PIN? Has anyone had this experience? Any luck getting a refund?

Any advice welcomed. Thank you!

Am I gonna be screwed out of my deductible/any settlement for my injuries? My car was totaled and is covered through my collision coverage. I also have uninsured motorist, however, I guess I did not have personal injury coverage. Not sure what happens now, any advice would be appreciated.