So I found a CVS about 45 minutes from me that seems a bit more on the ball and that pharmacist was able to actually fill my 10mg refill a few days ago. I asked her how she managed to get it and she told me to just keep my scripts with one store and stop transferring to other CVS stores because higher demand = wholesaler will try to deliver stock there more frequently. I am not sure how this works out because... isn't there high demand everywhere??
Anyway.. I have no great options anymore considering Caremark cancelled mail order and CVS stores lately are giving me the universal middle finger and saying they aren't even trying to order anything.
I thought about what she said and decided to transfer every active prescription and refill I have to her CVS. One of those that I transferred was a 7.5mg refill that has been sitting in 'out of stock/delayed' mode at a different CVS that once upon a time was able to get stock in. I did the transfer online while logged into my CVS account yesterday.
This morning, when I checked my app, I got two messages I have not seen before.
Message 1: Says "We're working on it" for the store I transferred to. When I click on that, it says "preparing" with an estimated cost of $25 (which is my copay). Okay -- good sign?
Message 2: I have another "we're working on it" message tied to the store I transferred from. Click on that and it says "preparing" with an estimated cost of $0. Which is better than the delayed/out of stock I had for that refill for 6 weeks.
But now I am confused about this. Does this mean it didn't transfer? Are they really preparing or is that just a "we got your transferred prescription and the system is updating" message? I don't know why the older store shows anything at all. I transferred the script to the new store and received an email confirmation too.
Full disclosure: I'm also scared to call and ask b/c I don't want to disrupt the process if this is actually filling. I JUST picked up my 10mg there and I do think my insurance considers each dose as a separate order. But I am worried that if I call, they'll be like "you just filled a 10. You can't have the 7.5 too." And I'm worried the pharmacist at this CVS store I transferred to, who is my LAST HOPE, will be like "I just filled for you.. what is going on?" This shortage has made me neurotic and paranoid now too.

Hello,
I was looking at the financial offers of my schools again and looking at what I should expect to borrow in loans and opposing it to the average student loan debt amount after receiving a bachelor.
First off, I am from a no-income family, which has no savings, and got the maximum FAFSA. And my family will contribute nothing, other than being willing to sign a PPL (Which I am grateful for, but would prefer not to). Here are two colleges' offers:
College A: [Work Study not factored in - 3k amount]
Cost before any loans - $14.223 K After Federal (5.5k) - $8.735 K
College B: [Work Study not factored in - 2.4k amount]
Cost before any loans - $20.955 K After Federal (5.5k) - $15.455 K
How do I pay these without taking out loans? I could possibly work full-time this summer to get a recommendation from a fast-food place for a scholarship for College A, and then it would be achievable but difficult. But College B looks insurmountable, which is funny because it is the in-state of the two. So I beseech of you! What do I do?
PS: For knowledge of dream (I understand these are very difficult, and unlikely, but I would still like to try) plans: Physics major (With 2nd major in math, or minoring in it). Doing research as much as possible at the colleges (College A has more programs for it, College B has 'better' professors - they have better CVs). Partaking in math competitions. Maybe starting a cryptography club, because I couldn't find them at those colleges. Taking GRE and GMAT (& Putnam for fun). Going to Graduate school for physics (Not sure what yet), hopefully on West Coast ie Stanford/UW/UCLA/etc.
Please let me know anything, from advice to fact. Please! TYSM for reading this, and sorry for the length.

Good morning everyone. Premarket yesterday, man, AMC was 13 and GME was 80! I was even hoping that I could get 12 puts and 75 dollar puts with July Expiration. A few minutes in, both stocks were already at their highs, I did not even put in a bid for AMC… I put in a bid for GME but it quickly fell below the 60 strike.
I do not blame anyone for trading hot money..
All I say is know the facts, so that you can plan an exit strategy and be prepared for anything.
I warned that AMC as a company is worth about 800 million. [In 2019 when there were 100 million shares, the stock was 7-10!!! By the way!]
GME is worth closer to 700 million. [For many years it was worth 1 billion or less and they were a growing company!]
I don’t hate on the company… I hate that they are crap companies! Those are the facts!
I want everyone to make money, always! I just don’t want anyone lied to… I don’t want someone brainwashing anyone with junk!
AMC has authorization for 550 million shares
GME has authorization for 1 billion shares
AMC 2 days ago on Meme Monday sold 72.5 million shares at an avg of 3.45 for about 250 million dollars [Utilizing the at the market]
AMC yesterday agreed with a bond holder to convert 23.3 million shares for about 7 dollars to extinguish 164 million in debt.
You may think Adam is a bum, or doing AMC wrong…
What people do not understand is that he is doing what is best for the company to survive.. He is taking advantage of retail who is over pumping a stock!
8/6/2022 before APE and when AMC was near 30 I did this video!
https://www.youtube.com/watch?v=3lpIeONROO4

You need a company to stay in business if you want to keep trading the stock…
The stock price has 0 to do with the company. The stock price shows the exit price of someone that has the stock and wants to move it…
A stock is a currency for a company when they do not have cash…
The stock market exists as a way for a company to get cash and for insiders to exit!!!
A stock was not created so traders can make money!
You need to come to this understanding.

Also, 90% of times a company does not need a vote to dilute shareholders thru a convertible bond… You must do DD and check each bond to see if they have a convertible option to swap for shares.. This is your job, not mines! Chances are when a company is in trouble they will do this, especially if they are out of ATM [At the market] AMC has about 355 million shares as of now, trust me, if the stock is hot they will do their best to unload the rest of the 200 million on retail… This is not up to AMC!
This is up to the bond holder!
You see, the bond holder agreed to 23.3 million shares at about 7 dollars. Now they are holding the bag! They will need the Apes to bid it up and hope to be able to unload the 23.3 on everyone…They will need a lot of volume…. When volume dries up, they will be stuck! No bond holder or person would want to agree to take tons of shares of something if they can not unload it. [Liquidity]
This should show you how dumb Ryan Cohen is… He is falling asleep at the wheel.
He has had authorization for 1 billion shares since March of 2022 and these pumps are when you unload to get cash… It is a crippling business… One where they only made a profit by firing people and cutting costs, this is not sustainable…
This is obvious as sales are at a 16 year low…. For the year sales were down 12% and for the quarter 20%! A Christmas quarter! WHAT A DISASTER!
FACTS! Once you have the facts, you do you….
Yeah, I understand people hate me, I am banned everywhere, this is what I get for trying to educate people that just want to get rich quick without knowing the facts!
So you trade and do what is comfortable for you. If you are making money ignore everyone! Just keep stacking! I want people to make money..
I just hate when people are scammed/lied to.

I forgot yesterday morning. I had an order to buy DNUT at 12… It hit by end of day… I am also in 13.55.. These buys were because of a MCD roll out… Without an expected slow roll out by 2026 no way I would buy it! I checked weeks ago and the earnings are shakey. I checked the financials yesterday… They are ok, but 2-3 bad quarters and they are in trouble.. The sales are slowly growing 5-10% but they are just getting by, so a few bad quarters… But I want anyone that reads to follow my thesis and see why…
I don’t buy and pray… No hopium… Some people like to roll the dice… they should just say they are taking the risk..

I was a super bull on ZIM as it was 9 dollars because I could clearly see containers over 2,000. I posted DD on it… That was not risky to me! Especially under 10. GME and AMC is a pure gamble, you can make money but be prepared to lose it too.
I wish that retail could buy better quality stocks and that we could all make money safely… but I do not have that power…. They think Ryan Cohen, Adam Aron and Keith Gill are heros… people like who they like, trade what they will trade.. but when you shoot up a stock of a company in ruins

EXPECT!

Insiders to dump their own stakes. [Ryan is really dumb this way]

The company itself to dilute shareholders for money

Youd do it too!

PSEC Chairman and CEO who owns 65 million shares of the company. Who has had 0 salary for years goes in and buys 800,000 shares for 5.48 on May 10^th. This is right after earnings. That shows skin in the game.. yes, it is just 4.5 million dollars, but these were not vested options/warrants [Adam Aron never uses his own cash, its free shares!!] Insiders at PSEC own 30% of the company! SKIN IN THE GAME!
Yes, I wish retail would take PSEC to 6.25-6.50 fair value, and I do get frustrated when they buy junk like CVNA but I do not have the power.. CVNA insiders dumping left and right. I believe the CEO has sold over 300 million worth of CVNA over the last 90 days! 17% growth at CVNA, decent! But the company is worth at most, 20! AT MOST! There is a ton of risk!

5 Trade Ideas:
ACMR YOU – Both of these companies scored a 99 on my grading score for earnings. I have 1 block of ACMR at 25.45 and do not mind trading another block… No position in YOU , last trade was 17.50 to 18

PSEC – I have 2,000 shares at 5.50 and 2,000 at 5.90. I would like to trade these in blocks for 10-15 cents each, earnings were good, not great, but you wont get great from a BDC company, I have also been getting my 6 cent monthly dividend

CVS – I will keep trading this, fair value is near 70… I have a block at 84 from 2/2023 unfortunately…. Last trade 54.75 to 56

PERI – They will be coming to the auction, before the end of the month and will use the 75 million by June 30^th. I also have a block at 21.. But I will keep trading blocks

DNUT – I am in at 12 and 13.55, 1,000 shares each. I would like to make 25-50 cents on each trade, so I hope 12.25… My buys were strictly on the MCD roll out. I am in belief that with MCD sales will be up at least 25% when it is completed

The contents of this post are for information and entertainment purposes only and does not constitute financial, accounting, or legal advice. ... By choosing to make a trade you are responsible for your own actions. Please do some due diligence. These are trades I am making and you can follow along. If you make a winning trade, I do not even expect a bravo or thanks but that’s fine, if you lose on a trade the same difference.. I do not even expect an upvote or reward… The Elite team is aware of the risks and volatility in the market.

Good luck everyone let’s make money. Share trades, ideas here during trading hours. Our main goal here is to make money so I hope we can help eachother. I will be in and out of here as well.

Hi,
Background info: pharm tech whose pharmacy isn’t contracted to dispense control medications.
So i was recently prescribed Adderall and was able to fill it at my local CVS for two months. When the 3rd month came they kept telling me it was OOS. I have no issues on PMP besides it showing every time i purchase medical marijuana🙄. Being that i work in a pharmacy i have access to vendors. McKesson AmerisourceBergen and Kinray - my dose is not back ordered!
Sometimes my supervising pharmacist will not dispense medication if the reimbursement is lower than our cost 😵‍💫. Do you think this is what CVS is doing OR they just hate me ?
Thanks!

This thread has been my comfort zone for a long time. I would come here and read all the posts of people who have been struggling to find a job, just like I did. My personal story is not unique to this thread, where there are probably countless stories like mine. To give some context: I'm an international student (migrant 🥲) in the UK. I have studied here for 5 years at a good university that is part of the Russell Group. I completed both my master's and bachelor's degrees with high 2.1 grades. During my university years, I had a couple of internships and some work experience in a pub. Despite my qualifications and experience, finding a graduate position was incredibly challenging.
I'll be honest, in the beginning, I wasn't really applying for jobs. My daily application rate was low, and my self-esteem suffered as I had no idea how to do it properly. What kept me going was the motivation that if I didn't do it, I would fail to live up to what my parents had provided for me. My go-to tool became a chat GTP for cover letters, tailored CVs, and sometimes interview preparations.
Out of all the interviews I had, 70% led to nothing. I applied to more than 600 jobs during this period, got around 20 interviews, and only 3 led to second/final round interviews. Interestingly, those 3 interviews that led me to the next stage came from "Quick apply" postings, which said "send your CV and Cover letter to this email." I would advise others to pay attention to the "quick apply" posts. The first company that invited me for an in-person interview was great and had interesting people. They even covered my transportation costs. However, they sent me a rejection on Sunday via an automatic reply. This devastated and demotivated me for at least a week. I wished they had sent me a personalized rejection on Monday, especially since they had brought me to the final round. On top of that, in the email, they said they would be happy to provide feedback if I requested it, but when I did request feedback, no one ever got back to me.
Just before that, I directly contacted a company called Prohibition Partners through their info email. They contacted me back and I had an interview with one of the Data Analysts. They seemed happy with me and asked me to do a research project on the Weed market in Canada to see how I can conduct market research. I completed the research and was told they would review it and get back to me, but I was ghosted.
The last interview was nice, and I got it through "Quick apply," where it said to send the CV and Cover letter directly to the recruiter's email address. The phone screening went well, and the interview stage went well too, but unfortunately, they went with a more qualified and experienced candidate.
After half a year, I finally got something - an internship that I received through a cold emailing, and I hope they will give me a returning offer afterward.
How was this whole job search experience? It was fucking horrible. I hated the repetitive workdays and fucking workday website, the same typical questions everywhere, and the re-typing of information from my CV that was already provided in the CV. It felt like they shouldn't ask for a CV if they're just going to ask for the same information again. The whole job market feels insane right now. However, stay strong, there is a chance, but you never know where it's going to come from.

I think I have a Mounjaro guardian angel. I just picked up 3 boxes of 15mg from my local CVS. Ordered it Thursday and picked it up today. Pharmacist was able to transfer 2 boxes over last Friday and they got the last box today.
I had a scare though. The app said that it was going to cost $3779.99. I freaked a little. Called CVS Caremark and they were able to straighten it out with the store.
Unfortunately, they were unable to apply the savings coupon successfully. I even downloaded a new one. But no luck. So it cost me $130. Still, I am so grateful to have gotten the meds...and so fast. I wish others have the good fortune I just had.

My mom 53(f) has been struggling with her health these past couple years and has nerve related impairments in her lower extremities. We currently have one of AetnaCVSHealth’s gold plans for insurance.
They require a referral to see specialists. Every. Single. Time. You would assume that after going all the way to your PCP to get a referral the first time, any follow ups recommended by the specialist should be okay. However, this company will deny follow up appointments even as little as a week or two later — reported as follow ups to the insurance company— if there is no referral. I will get charged a $10 copay, and the insurance will fail to alert the hospital that a referral is required for coverage, leaving me having to pay for the full appointment on top of my $10. Specialist visits can cost upwards of $700 an hour for neurologists. I can understand if there has been a lot of time between visits or the visit isn’t technically a follow up but its getting to the point where we cant even schedule to view her test results without obtaining a referral first from her PCP which is absurd. We will have prescriptions for things like physical therapy from a specialist and they will not be covered by insurance if we dont go to our PCP first to get a referral from her as well.
They also will deny coverage if your providers are out of network however, their entire catalogue of in network providers is incorrect on their site. Im talking 80-90% whether its listing disconnected phone numbers, listing doctors that no longer accept the insurance, listing doctors that no longer operate at the mentioned address, listing the incorrect name of the healthcare institution, and so forth. This can make it extremely difficult to even get the right referral in the first place because they usually want the exact doctoprovider listed on the referral. Any variances can result in them denying your claim and charging you full price after making your copay.
They also deny surgeries and procedures even when they fall into their guidelines on what is considered “medically necessary”. It was so bad that the bille coder we were working with at the hospital expressed that this was the only insurance company that consistently denied quality of life surgeries. She even expressed to me that they tried to deny someone who needed brain surgery and would suffer a terrible quality of life without surgery (essentially vegetable state) because it wasnt technically necessary for them to survive… like yes you’d survive i guess but to what end?
They have no regard for the quality of life of their insurance holders and are consistently looking for ways to deny claims. I was wondering if there was any way to sue them for using these malicious tactics in order to keep themselves from having to cover pricey medical bills even when they should be covered based on their own parameters.
To my knowledge, aetna and cvs merged due to them both struggling to stay afloat financially, but if this is hindering them from offering reasonable healthcare they should NOT be allowed to participate in the marketplace. I also wanted to emphasize that this is our second year with them and it wasn’t nearly as difficult to use them last year (even with the incessant referrals) as it is this year. They seem to deny every other claim this time around.
Thank you in advance to anyone who may take the time to read and/or respond to this.
Edit: grammar, readability, and clarification.

CVS Health Corporation (CVS) has faced significant headwinds recently, leading to a sharp decline in its stock price. Here are the key factors contributing to the drawdown:

Headwinds

• High medical costs and increased utilization rates in the company's health insurance business, resulting in an elevated medical benefits ratio of 90.4% in Q1 2024, compared to 84.6% a year earlier. This impacted profitability.
• Loss of a significant customer and associated memberships in the Health Care Benefits segment, although partially offset by gains in Medicare and Commercial memberships.
• Reduced guidance for 2024, with the company lowering its earnings expectations due to the higher-than-anticipated medical costs.
• Declining demand for COVID-19 related services and products, which had previously boosted revenues during the pandemic.

Tailwinds

• The acquisition of Signify Health is expected to drive revenue growth and expand CVS's value-based care delivery strategy.
• Strong revenue growth across all segments in 2022, with a 10.4% year-over-year increase to $322 billion.
• Robust free cash flow generation of $16.2 billion in 2022, yielding a cash flow margin of 3.74%, above the sector average.
• Solid performance in the Health Care Benefits segment, which saw a 10.9% year-over-year growth rate and a 6.54% operating margin in 2022, despite the loss of a significant customer.
• The healthcare services industry, in which CVS operates, is projected to experience a steady CAGR of 5.4% until 2027, providing growth opportunities.

Good morning everyone. Closing went fine on Friday, came back around 9PM and left around 7AM. Lots of renovations to start, as I was also doing many before. Unfortunately, I am starting 2 brand new evictions, will probably start another June 1^st. I will be going to court for an eviction May 23^rd. This is definitely not passive. I also did meet with the Mayor of 1 of the towns I have properties. They will have a meeting next Monday regarding what they are doing with certain pieces of land. My hopes is that in 2025 I will be doing new construction on some buildings…

For the past week GME has been flying. I do not blame anyone for playing hot money.. just do it knowing the risk involved. Also, understand that numbers do not have opinions…
Keith Gill aka Roaring Kitty came back on Twitter, first time in a few years and the apes are using that to pummel into GME. I do not know when retail will realize that this was a Ponzi scheme, pyramid scam… but if you made money off of it, hats off to you! If I could go back in time, I would not buy shares but I would have made bets on Call options… It is nearly 4 years since he said “GME was a value play”
The facts are that GME made 7 million in the year 2023. The entire year!
If you give this a 100x PE that is 700 million or 2.50-3 dollars a share.
The fact is sales were down 20% last quarter. This is not an opinion!
Sales are at a 17 year low… This is a fact, not an opinion…
I am impressed because I did expect them to lose 100 million in 2023…. However I did not expect full year sales to be down 12%
Facts are
2018 Sales 8.3 billion
2019 Sales 6.5 billion
2020 Sales 5.1 billion pandemic [Aside from Pandemic 2023 was the lowest sales since 2006!]
2021 Sales 6 billion
2022 Sales 5.9 billion
2023 Sales 5.3 billion
If you like momentum, trading the hot stocks, that is fine… You do you… I make trades based on facts… I just want people to know all the facts and decide what to do from there. The company is as bad now, as it was 4 years ago! Anyone with any accounting background can see that without the 2 billion of dilution that the company would be bankrupt… and if they did not cut costs that they would have been close now….
I will take advantage of this momentum and bid on the puts.. It is not me that decides what apes like… what retail trades….

GME 7 billion dollar company….made 7 million in 2023, had a decline in 20% of sales last quarter

ACMR 1.4 billion, made 18 million 1^st quarter of 2024, made 78 million in 2023, last quarter growth 105%
YOU 2.5 billion, made 19 million 1^st quarter of 2024, made 30 million in 2023, last quarter growth of 35%

So GME is worth 3 to 5x these companies.. with a heavy decline in the business… those are the facts!

I am big on PERI because the market cap is now 575 million. The company had 155 million free cash flow in 2023. [That means that after all bills are paid, they added 155 million to the company] They will start a 75 million buyback in about 2 weeks!

My thesis on ZIM I wrote in detail after earnings on 3/13/2024
https://www.reddit.com/UltimateTraders/comments/1bdrfna/3132024_daily_plays_zim_earnings_were_eh_guidance/

Read it carefully! There was a reason to be bullish! What is happening with GME is smokes and mirrors but I cant blame anyone for playing hot money. My biggest issue was being lied too. So I have laid out the facts and you do you!

All I did Friday was have a limit sell on CVS for 56. I was in 54.75. I was surprised with PGNY earnings, premarket 6AM Friday it dropped to 21!!!! I was hoping low 20s for a trade… If it falls back near 25 I will trade it, until then, I will have to wait for better numbers. 2 quarters in a row EH on earnings, growth is slowing….. At least with PERI 75 million buyback… a near 7x PE are reasons to be bullish! I will keep trading CVS I do want PYPL, I sold YOU at 18, was in 17.50 and want to do it again. I am in BILL at 60.50 and would buy 1 more lot 55 or less… I am shocked ACMR crashed… I am in 25.45, could have sold 26.25 but was holding for 1 dollar, 26.45, I am willing to buy 1 more blocl… With PERI I am in 21, 12.10 and will be willing to buy 2 more blocks… all 500 share blocks. CAR has been my horse all year, I have no position now. Last trades were 119 to 120.50.

5 Trade Ideas:
GME – Pump!!! I will bid on puts, thank you Apes!

HOOD – I cant believe it, but for the first time since IPO I want to take a position. I made I think 75 cents on HOOD IPO, 1000 shares! 2021 was no fear… Earnings were damn good!

CVS – I keep trading this for 1.25 to 1.75 [I also have 500 at 84, unfortunately]

YOU ACMR – These had awesome earnings, I have 500 ACMR at 25.45 and will buy 1 more block if it dips under 23… YOU last trade was 17.50 to 18

PYPL – Earnings were good, this has a fair value near 75, this was my horse in 2023

The contents of this post are for information and entertainment purposes only and does not constitute financial, accounting, or legal advice. ... By choosing to make a trade you are responsible for your own actions. Please do some due diligence. These are trades I am making and you can follow along. If you make a winning trade, I do not even expect a bravo or thanks but that’s fine, if you lose on a trade the same difference.. I do not even expect an upvote or reward… The Elite team is aware of the risks and volatility in the market.

Good luck everyone let’s make money. Share trades, ideas here during trading hours. Our main goal here is to make money so I hope we can help eachother. I will be in and out of here as well.

I've been lurking in this sub for awhile now and I have building positions based on trends I see in here.
Stocks I have been building positions in (dollar cost averaging) are here:
NEE HUM BA UNH CVX SNOW CVS DIS SBUX
What stocks do you like for value right now?

I tired to get a refill for my long lasting insulin today at CVS, and I found out my insurance expired the first of the month. The cost to refill my prescription was about 450. I need some advice getting a refill being uninsured. If there’s any advice you all have please let me know!! I was on Medicare if that helps.

TL;DR: I set a clear limit and my parents and brother disregarded it. I was told I was a horrible daughter for standing by it.
This is a long one, but I just need to get it off my chest. As early as I was like 7 yo I remember being the go to person to help my parents, my siblings etc. it’s been 30 years, and it did get tiresome a lot of times, but they are my family and I thought that’s what we do. So I helped with everything, from advices, to remembering dates, babysitting, writing essays/texts/cvs, paying for stuff, lending money etc.
I had my rainbow baby 3 months ago (high risk pregnancy that required full bed rest for 4 months), and my city is in the middle of a respiratory virus and flu outbreak, the pediatrician has asked we double down on safety measures. My niece, from my oldest brother, had a really bad throat infection last week and had to be in the ENT hospital for 4 days, my brother stayed with her. I called them every single day, asking if they needed anything and just making sure they were fine.
My parents came to stay with me for a week, they arrived 2 days after my niece was released. I told my mom if they wanted to go stay with my brother it was totally fine, but they’d would have to wait a couple of weeks before visiting my house, because of the baby. Again, no issues and I’d completely understand. She chose not to, but my brother got pissed off when I said we needed to wait a couple of weeks before visiting my niece just in case one of them caught something (her entire floor was f* influenza cases and the respiratory viruses). He made a sarcastic comment that we should make it a month then, I chose to be the bigger person and just said, I think 2 weeks is fine, but whatever is best for you guys. On an important note, I’ve been inviting my brother over for the past month on a weekly basis, but he or my sil are always busy (which is fine, I always say “NP, whenever you guys wanna come, the door is always open”). But the moment I tell him we need to wait a couple of weeks, as per my ped suggestion, then he has this urgent need to see us.
Today (mother’s day), I bought my mom flowers, earrings she has been wanting, wrote her a heartfelt letter thanking her for her help and her love. We decided not to go out to eat, because the restaurants would be packed, which would be a hassle, and I’d be worried about being in a closed space with the baby with lots of people (one of the things the ped told us to avoid at all costs). So I ordered from my parents favorite restaurant, ahead of time, and everything was good.
I went to take a nap with my baby and when I woke up I went to find my mom to show her something cute he was doing and my dad said she had gone out to get the flowers my brother sent her. I told him that was weird, because I didn’t hear the buzzer. My dad got flustered and said, no your brother called my phone and told her he left the flowers with the doorman. I said, that can’t be, my building has strict rules about not taking packages on sundays. If anything is delivered they will call and ask me to go downstairs to pick it up. My dad got flustered again, I told him, if she met my brother you guys are going to have to go to his place (important to note here, my brother has repeatedly told me how much of a hassle it is to have my parents over, and always says they should stay with me. Also, my dad always complains about not feeling welcomed there, while here I always make sure we buy everything they like to eat and try to make them as home as possible, even giving them my bed and sleeping on the sofa).
My mom comes back up and I immediately ask her, did you see my brother, she tried the same thing as my dad, but ultimately admits she did, but they didn’t even hug. I tell her, you guys need to pack your things and go stay with my brother for a couple of weeks, you can’t be in contact with the baby (I’ll admit I could have been nicer, but I was pissed that a clear limit I had set was disregarded and they chose to do it when they thought I was asleep and my husband was out).
She started saying I’m crazy, she didn’t hug her son because of me and then all hell broke lose. My mom is a compulsive liar (albeit mostly harmless) and extremely dramatic when things don’t go her way. I said, mom I told you you could go stay with my brother, if you guys wanted to see each other.
She kept yelling he just delivered the flowers, if a delivery guy had come it would have been the same thing, how could I know the delivery guy wasn’t sick. I said, I wouldn’t, but it takes 30 seconds to pickup a delivery and I wear a mask, also with my brother we were 100% certain he had contact with people who were sick for days.
She spiraled, yelled (my neighbors now probably think I’m the worst f* daughter ever) that it’s the 2nd time I’m throwing them out. And I was stunned, so she said last year I had done the same thing. LAST YEAR MY NEXT DOOR NEIGHBOR HAD A PSYCHOTIC BREAK and tried to break into my house saying he was going to kill my husband and rape me. We had to leave our apartment in less than a day, and she and my dad went to stay at an apartment my brother had arranged with a friend. There was a problem with that building and they wanted to go back to my place, I told them we could stay the night (my husband keeping watch), but they would need to leave the next day, that they could stay at the airbnb I had gotten for myself and my husband, and he and I would couch-surf at a friends house. She said she knew I was lying but chose to forgive me. We had a restraining order and my door had to be replaced because of the neighbor!
Then she started yelling that if she got sick I would leave her to die on the streets like a dog. Mind you I paid for half of her health insurance for 6 years, only stopping last year because we had to get a new place and move until we went through the courts to get my neighbor evicted. My dad then laughed and said I only paid 400 bucks and he paid the other half, for a few months! I said i paid what you asked me since 2016. I also paid for his credit card bills for the last 2 months. Their fridge broke, none of my brothers wanted to help, so I got them a new one, their cellphones for the last 10 years have been bought by me. I paid for doctors appointments, medicines, trips you name it.
She said money is easy, you wouldn’t care for me, mind you I cared for my dad for 3 months in 2021 so my mom could be with her brother who was in hospice and none of my brothers wanted to keep an eye on him for that long. I legitimately looked at her and said, mom if it was contagious I would go stay with you and have my mil come here to stay with the baby and my husband. She kept yelling that i would let her die like a dog.
I can’t even think how I’m going to face my neighbor’s after the vicious stuff she yelled about me. But I think something in me broke at that moment, they both kept yelling at me and I was just calm, saying I was just asking them to stay with my brother since they had contact with him, they were welcome to come back in 2 weeks.
She then said she wouldn’t go to my brother because it would kill him to know that I had asked them to leave because of him, even though he respected my wishes to not see us (after literally seeing him 30 minutes earlier). And I said I didn’t mind, and I could call him to explain. And she yelled, threatening to hit me, that she forbade me that I had ruined her life and I was trying to destroy the family she fought so much to keep united. That she did everything for me and I treated her like a maid, that she loved me so much and I hated them and I was killing her and my dad. My dad said he would never step foot in my house again.
I told them OK, do whatever you guys think is best. My husband is coming home in a couple of hours and he can take you wherever you want to go, you have over 200 bucks in your uber account because I added last week so you guys wouldn’t have to worry about spending money to come here.
The thing is I know my mom, if I had pleaded for her forgiveness, said she was right. Cried my heart out, she would have acted magnanimously and forgiven me. But like I said, something in me just snapped. I feel like as long as I’m doing things for them I’m golden, but the moment I set a limit and stand by it, I’m a monster. I’m tired, sad about my first mother’s day, sadder about realizing how the love I get is directly related to me being useful to other people. And her partying gift: she left the earrings and flowers I got her on my floor, but took the flowers my brother got her.
The icing on the cake for me: the flower shop my brother got the flowers is closer to my house than his, he could have had them delivered here instead of to his house and then coming here.
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Quick update: My mom had asked my husband to tell anyone that asked that they had gone home earlier because she was called into work, because she knew it would destroy the family if they knew what I had done. I told him, don’t, tell the truth she does this to create even more drama. He said he didn’t think so, she sounded like she was trying to protect me 🤦🏻‍♀️ I told him I was 95% sure of what was going to happen: they are either going to go MIA and make everyone crazy looking for them, or she is going to end up in the hospital. And then my dad will tell everyone it happened because I was a horrible daughter who threw her parents out in the streets on mother’s day.
They left my place around 2 PM, around 3 PM my husband spoke to them (when my mom asked my husband to tell that story) saying they were on the bus on their way home (about 3-3.5 hours ride). By 11 PM our phones were blowing up, my brothers couldn’t get a hold of them, they were freaking out. I just knew they were home and were doing this on purpose, I told my husband - text them saying you are going to have to tell them the truth, because you are going to have the police involved, since they disappeared.
My youngest brother had asked the caretaker of their condo, who has a spare key to go into the house. He said he had and no one was there, I told my husband to have my brother ask him to check again after he texted my parents. Lo and behold, even though they were still unresponsive over the phone, after the text the caretaker went there and this time he saw my parents luggage in the house. I wish I could say I was relieved they were OK, but what I feel is vindicated. They pull this kind of crap so much that I called this insane scenario hours before it happened.
I told my husband to brace himself because I know what happens next if I don’t reach out to them to beg for forgiveness. They might even reach to my in-laws to say their twisted version of what happened.
What drives me crazy is that, because I spent my life trying to protect them from ridicule, so not telling people about this stuff, defusing my mom’s lies so people wouldn’t catch on, they look like great people. So it’s hard from anyone on the outside to believe what I say now.
For those wondering if this is a regular occurrence, it used to happen more often when I still lived with them. The last time something close to this happened was 16 years ago.
And no my brother is not the golden child, but him and the youngest were failures to launch (they have partially launched, but way later in life). And have a codependent relationship with my parents, because of it. But I was mostly independent since a young age, and that was always a point of contention with my mom. She always resorted to emotional blackmail, and that’s hard to accomplish with me.
And to be fair, my mom helped me a lot with the baby, and everything was ok for like 2 months. I did start seeing the writing on the wall that she was getting cockier for a few weeks, but I told myself it was just me being negative. She knows I’m struggling to sleep and do everything with a new baby, so she actually yelled that at me yesterday, “I’m not leaving because of the baby, you can’t take care of him on your own”. I told her calmly that I could take care of him, and she didn’t need to stay away from her son because of this, as it was only 2 weeks and I could do it.

I was going to go to this clinic to get Spravato Treatment but the Nurse Practitioner was telling me the cost for each treatment is $4,700.00 out of pocket. I am not paying out of pocket. I am trying to use my Insurance benefits. I have BCBS NC Insurance that I get through my job. I am a Michigan resident. However, my Insurance has a separate pharmacy benefit called CVS Caremark which is what Spravato has to be authorized through. CVS Caremark even provided me a Spravato Authorization Number that my provider can call to start the authorization process. I wouldn't think it would be $4,700.00 after CVS Caremark processes it. I called CVS Caremark and they told me to look up the drug costs and the cost for 84mg of Spravato was $150.00 for in-network pharmacies. I also have the SpravatoWithMe Savings Card to knock the pay amount to $10.00 per treatment. The Nurse Practitioner tried to tell me that the savings card would only cover like two treatments because it's $8,158 for the year. The Nurse Practitioner was confusing me.
The Nurse Practitioner also recommended that I apply for State Insurance because I would get approved much quicker. She said having commercial insurance makes the process more complicated. My income is too high for state insurance. I make $16.85 per hour and work 32.5 hours per week.
I don't understand what's so complicated? I have a pharmacy benefit. The clinic has my medical records that show that I have tried at least 5 oral antidepressants that have failed to help. I don't understand why she won't just process my information. If it gets processed, it should only be $150.00 per treatment and with my savings card it should drop the price down to $10.00. I wanted to go to this clinic because they had a sliding pay scale that could have potentially knocked down the observation period price. However I have found another clinic 30 minutes away that also has a sliding scale. I may inquire about them since this clinic is making it more difficult.

I am honestly at this point looking for advice or peoples experience , i am 31 years old, ive worked many different jobs, i speak Swedish English Kurdish, i speak just a bit of arabic too, its enough for the person i am speaking to, to know what i am trying to say, however living in iraq is a struggle. average salary is $200/month, while a decent burger costs $10, i didnt care much befoore, i did get any job i got and i thought i would enjoy even if the salary was low. However i recently became a father and i want to provide a bright future for my son, and provide a decent life for my wife, and i thought working remotely, any job that i am capiable of doing should be more than enough, since it will 100% pay more than what i would get paid here for working 6 days a week, 8 - 12 hours a day for $200-$250 a month, ive been looking for a job pass 2 months, i had a job before that but i dont wanna get too much into why i quit that job, but they cut my salary by 50% because they closed the office and made everything remotely i still stayed and worked for 8 months. ive send more CV's to everywhere, most coompanys here that pays just a bit more than average, jobs in dubai, turkey etc etc. At this point i am willing to fly to any country and leavemy family behind for a few years to save up a bit of money. ive sent CV to these huge company that have customer service and even if they pay like $8-10 an hour its still alot for someone like me. still nothing, and my parents are preasuring me and say work any job even if the payment is low, but i just can't like its beyond me to work for $1.2 an hour.. even though its average salary here, its fine for someone who is single but not someone who has a family, and if you do have contact and know people you can get jobs that pay $6-10 an hour, but since ive not lived here my entire life and i used to live in sweden. I dont know so many people, i moved back to iraq due to my dad being sick and after a few years got married.
What would you do if you were in my position? i am just lost at this point, i feel like i am a disappointment to my wife and my family. And my wife is amazing, she is not preasuring me or complaining at all, and that makes me feel even worse. But yeah i feel like whenever i apply to any remote job, the moment they see "iraqi citizen" they move on.

So CVS has instituted a "secure voicemail system" in order to "ensure" our "privacy." Bullshit--it's to shut us up. Let me explain:
Used to be you had to navigate a complex (and repetitive) phone tree system to speak to a pharmacy team member. Took a long time on hold (with annoying music), sometimes getting cut off. But eventually we'd connect and explain or get to ask a question. No longer--now, when you select "speak to a pharmacy staff member," they make you leave a message (with insuffiient time to complete it) and promise to either "process your request" or "call you back."
I'm getting to the point where 2.5 might be losing its effectiveness, which is why my endo phoned in scripts for 5mg Zepbound and Mounjaro--whichever comes in first and is cheaper (MJ is $100 cheaper). Now, my prescriptions page on cvs.com lists the 5 mg Zep as "out of stock and we're not able to get it. Call your pharmacy for options" Duh. But the MJ comes up as "Not Covered--This medication is not covered by your insurance. Call your pharmacy for options." I left the voicemail explaining I know Medicare doesn't cover it, I know what it costs out of pocket and I am willing & able to pay for it (as I've done in person previously).
First they responded by text, saying they're working on filling it and will text me when it's ready. Then they actually did call back to tell me they have to order it and that "it's in shortage." (Double duh). They said they will order it and will text me to let me know when it's in. I told them I know nobody keeps it in stock and that I know the drill; and reiterated that I know Medicare won't cover it, know the price, and can afford it.
Not holding my breath waiting for the text.