October 2016 Moms
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WTF Wednesday

Hope it's okay if I get this started @PeggyOlsonFTW .  .  .

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Lilypie Pregnancy tickers

DH and I:  Early/mid 30s
Married 7/15
TTC #1 as of 8/15
BFP 11/21/15 -- MC confirmed 12/1/15
BFP #2 2/18/16
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Re: WTF Wednesday

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    My WTF:

    WTF is up with difficult insurance companies and doctor's office?  First I called my insurance company to confirm that my NT scan would be covered, and they said it was "likely" but refused to confirm that it would because "they need the exact codes that the doctor's office is going to bill it under," and they want my OB's office to call with the codes and confirm coverage.  Yeah, I'm sure my OB's office doesn't have better things to do then haggle with my insurance company .  .  . so now I have to decide whether to make a super annoying request of my OB's office or just gamble and hope that my insurance company saying it's "likely" covered is good enough. 

    Then a day after this, my OB says I need to go see an endocrinologist, but wants me to talk to my insurance company about whether I need a referral.  Insurance company says the endo I want to see is in-network but I need a referral from my PCP and not just my OB.  So I call my PCP's office and the receptionist gives me crap about getting the referral because "anyone can refer you so your OB should do it" and my PCP "wouldn't know anything about this."  Which makes sense but then why is my insurance company insisting on a referral from my PCP???

    I pay a shitton of money for my insurance.  I am just trying to get the good medical care for myself and my baby that I have paid for.  Why is this so freaking hard??? 
    Lilypie Pregnancy tickers

    DH and I:  Early/mid 30s
    Married 7/15
    TTC #1 as of 8/15
    BFP 11/21/15 -- MC confirmed 12/1/15
    BFP #2 2/18/16
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    @simcal18 ... SO annoying! Hope you get it cleared up soon!
    I finally had to ask for a manager when we talked to our insurance last night. We've been waiting for approval on a $7K expense that we paid OOP for back in December and they're just effing dilly dallying.
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    ****TW****


    @simcal18 Insurance companies make me absolutely insane!! I pay so much for coverage for myself and my kids and I end up with astronomical bills which makes zero sense to me. I had to have a D&C back in August and ended up with a 1900 bill because of it. On top of that, the particular office has a strict billing policy and unless I paid the entire amount up front I was REFUSED service! Having to go through something so devastating and having that as the outcome boggles my mind. I ended up finding another practice and I'm now making payments. I don't get why we pay so much for so little to be covered.
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    @simcal18 ugh!! I hear ya! I asked the dr's office for the procedure code for the quad screen because my insurance company refuses to tell me anything without a procedure code. Well my dr's office says they don't have any procedure codes and that the lab provides it, so I have to call the lab directly. Of course when I call the lab they say they only use whatever codes the dr gives them so I need to call my dr's office. Are you kidding me?! It's such a joke.

    I wouldn't worry about bothering the dr's office, I would call. Tests can cost thousands if they end up denying it, so you want to find out for sure. If you can contact the billing dept that would probably be ideal, that's their job to help you with the insurance. Hopefully they have more info than my dr's office ha
    Pregnancy Ticker
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    @ladyshark311 Do you know how much the total for your D&C was? I'm making payments towards my portion of my D&C...about $2500. But the whole surgery cost about $10,000. I complained about my premium for years until I realized how much it actually covers. Lol. Sorry they made you pay upfront though. A hospital did that to my MIL a few years ago before they would perform her heart surgery. 

    E will be 18 on July 24th
    Z was born October 16, 2016
    #3 Due October 9, 2018

    MC - November 29, 2012
    CP - November 15, 2014
    D&C for MMC - October 13, 2015




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    @krzyriver I think before insurance it was $7000 or so. My problem really is I was with the same company for six years and when I first started there our insurance was much cheaper and we hardly payed anything out of pocket. Slowly the insurance become more expensive and the out of pocket went up along with it. 
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    annabenannaannabenanna member
    edited March 2016
    Speaking of insurance, I have a question you ladies might know answer to.  I'm on an HMO plan right now (had no idea I was going to get KU!), and it isn't the best plan, because I just wanted the cheapest plan I could get.  

    Open enrollment is October 1st for the office.... and I was hoping to enroll in a better PPO plan.  Is it too crazy to do that consider my EDD is 10/14?  What would happen?

    Oh and my WTF for today is, WTF Pregnancy Eczema.   I've never had eczema in my life, and all of a sudden I have this itchy itchy rough patch of skin on my legs and I think it might be pregnancy eczema. :(:(:(

    Edited to Add my WTF for today.  
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    @ladyshark311 Oh, ok. Yeah, unfortunately everyone is facing that problem. I'm actually in school right now, working towards a Medical Insruance Specialist Certification, and that's all we're talking about lately. About how prices will just keep going up and insurance companies have to continue rasising premiums while simultaneously cutting back on benefits. It's REALLY depressing to learn about it.  :#

    E will be 18 on July 24th
    Z was born October 16, 2016
    #3 Due October 9, 2018

    MC - November 29, 2012
    CP - November 15, 2014
    D&C for MMC - October 13, 2015




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    @annabenanna doesn't the Oct enrollment usually start your new plan 1/1? Not sure your choice will make a difference in you delivery charges, if that's the case. This makes me think, too ... my company is on a similar enrollment schedule. They tell you to add baby within 30 days of delivery, but should we go ahead and do that during enrollment for 2017? 
    BFP#1: 2/10/16
    EDD: 10/19/16

    Babysizer Cravings Pregnancy Tracker
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    @krzyriver I'm a HUGE supporter of the LGBTQ community and have been for a very long time. There is nothing that drives me more insane than when one group within that community tries to single out another group because it completely goes against the entire POINT of what they are all trying to do as one big group! Ugh I'm sorry you had to deal with that!

    @annabennana My son is 8 and has been dealing with eczema since he was about 8 months old, I'm now an old pro at keeping it at bay and dealing with the breakouts of it. If it turns out being eczema for sure let me know and I can give you some pointers! 
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    @annabenanna and @mommymaggieh The way it works with my company is you can change your plan during open enrollment in the fall but the changes don't go into effect until 1/1 so you have to finish out the year on your current plan. With a major life event (marriage, baby, etc.) you can add that person to your plan whenever the event occurs and you can also up and/or change your plan at the same time. I'm not sure if it's the same at every company or with every insurance company but you should be able to add the new baby within 30 days of birth and up your plan at the same time regarless of when open enrollment is. 

    Me: 32 & DH: 37
    Married: November 2014
    TTC #1 Since: October 2015
    BFP #1: 11/18/15 - CP
    BFP #2: 2/8/16 - EDD 10/20/16
    IT'S A BOY!!!!
    DS Born 10/16/16

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    @annabenanna I'm pretty sure I have pregnancy eczema too! I have it on my hand. I've never had eczema before but I think that's what it is. SO itchy and annoying and it flares up whenever I wash my hands, especially with hot water. I've been using Eucerin lotion and it's the only thing that's been helping. I tried other lotions first and they actually seemed to make it worse. I stopped lotioning for a few days and it started to flare up again blegh

    and I second @MRSCORKER's response about the insurance!
    Pregnancy Ticker
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    @MRSCORKER @mommymaggieh , thank you for this.  Duh!  I should have known that open enrollment would mean it is effective 1/1/17.  I guess I'll just have to stick with HMO then. :(  Thanks for the input ladies!
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    @LGW2015 , ooooh, I'm gonna have to buy a bottle of Eucerin!  Thank you!  Yday I bought Aveeno Eczema care, and it seems to be helping.  It's just SO unattractive and I worry about the summer.  I wanna be able to wear shorts and dresses and if I have that ugly patch on my leg, I'll be so self-conscious. :(
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    WTF mortgage company for waiting until the last minute to tell me our closing date. When they took payment for the appraisal they said we would know by the end of the month. I follow up today and he said he'd let me know by the end of the day tomorrow. Seriously WTF?!

    Also WTF McDonald's for not having Vernors! The one by my house does, but apparently not the one by work. It's the only thing I've been wanting to drink today. 
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    WTF ulcers, throwing up blood is never cool, but it's especially uncool while pregnant...
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    To people asking about switching plans/adding baby during open enrollment - don't. I work in insurance. Most (if not all) companies have clauses where you can make insurance changes outside of open enrollment for a life changing event, i.e. your spouse gets laid off/gets a job, you adopt/have a baby. So make your choice during open enrollment for what you want, but you will be able to change when you have the baby. You also wouldn't add the baby until he's born. And yes, usually open enrollment may be in October/November, but it wouldn't become effective until 1/1/17. I wouldn't make any changes if it did become effective prior because you would have already paid so much in for prenatal care, etc. toward your deductible that changing would reset that to zero.
    Me: 31
    DH: 32

    Married: Sep 2012
    TTC #1: Jan 2015
    Baby A (via IUI due to MFI): Sep 2016 born at 35+6

    Surprise but very welcome + on 5/16/2019, EDD 1/25/2020
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    In case you were wondering - most people don't have insurance in Tanzania, myself included. Generally health care is cheap (by western standards) but it reflects quality so some degree. Also I guess since I don't receive a salary here, what sounds cheap actually balances out kind of.... My last apt at a specialty clinic (which has the best lab in town) Was $15 to see the Dr, $60 for blood work/urine, and $35 for an ultrasound.

    The government hospitals are dirt cheap but the care is non-existent and I would never go there, even if I was dying (because I probably would die). Thankfully there is a fairly nice private hospital that I (most likely) plan to deliver at.
    *American lady living in Tanzania.
    DH - Tanzanian Maasai 
    BFP #1 - MC Dec 2, 2015 (@ 9weeks)
    BFP #2 - Feb 2, 2016 --EDD 10/10/16 --Abigail- October 6, 2016. Heart warrior.
    October 2017- Began fostering to adopt T, (DOB:November 19, 2013)
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    WTF to my sister... She's mad at me because we plan to find out the sex of this baby. She's arguing that it "shouldn't matter" because he/she may not identify with the sex they're born with. While I agree that this child may not identify with it's anatomical sex, I don't understand how us finding out the sex has anything to do with that. We don't care if it's a boy or girl but we're curious. If it's a girl, I fully plan on dressing her up in frilly adorable dresses and if it's a boy, you better believe I'm gonna have a little 3 piece suit. If, down the road, this child identifies as the opposite gender, then great. We'll be 100% supportive. She just rubbed me the wrong way. We aren't having a sex reveal party and I don't think we'll even disclose the sex until much later if it all because we'd like to keep clothes and such as neutral as possible so I don't understand what her issue is. I mean, even if we waited, it wouldn't change the fact that this child will have either male or female parts. What is the harm in finding out what those parts are a few months earlier? 

    Me: 32 & DH: 37
    Married: November 2014
    TTC #1 Since: October 2015
    BFP #1: 11/18/15 - CP
    BFP #2: 2/8/16 - EDD 10/20/16
    IT'S A BOY!!!!
    DS Born 10/16/16

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    MRSCORKER said:
    WTF to my sister... She's mad at me because we plan to find out the sex of this baby. She's arguing that it "shouldn't matter" because he/she may not identify with the sex they're born with. While I agree that this child may not identify with it's anatomical sex, I don't understand how us finding out the sex has anything to do with that. We don't care if it's a boy or girl but we're curious. If it's a girl, I fully plan on dressing her up in frilly adorable dresses and if it's a boy, you better believe I'm gonna have a little 3 piece suit. If, down the road, this child identifies as the opposite gender, then great. We'll be 100% supportive. She just rubbed me the wrong way. We aren't having a sex reveal party and I don't think we'll even disclose the sex until much later if it all because we'd like to keep clothes and such as neutral as possible so I don't understand what her issue is. I mean, even if we waited, it wouldn't change the fact that this child will have either male or female parts. What is the harm in finding out what those parts are a few months earlier? 
    It's your pregnancy!  I'm surprised she has such a strong opinion about it.  I think do you as you please.  With that in mind, have you seen this?  I just got the promo email from TB for a $20 off coupon!:

    https://sneakpeektest.com/sneakpeek-the-test/
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    @MRSCORKER ... yeah, that makes no sense. Will you finding out now vs when the baby is born change how you dress and treat the baby while they're too young to show how they identify? No... she's acting like a crazy person  ;)

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    simcal18simcal18 member
    edited March 2016
    MRSCORKER said:
    WTF to my sister... She's mad at me because we plan to find out the sex of this baby. She's arguing that it "shouldn't matter" because he/she may not identify with the sex they're born with. While I agree that this child may not identify with it's anatomical sex, I don't understand how us finding out the sex has anything to do with that. We don't care if it's a boy or girl but we're curious. If it's a girl, I fully plan on dressing her up in frilly adorable dresses and if it's a boy, you better believe I'm gonna have a little 3 piece suit. If, down the road, this child identifies as the opposite gender, then great. We'll be 100% supportive. She just rubbed me the wrong way. We aren't having a sex reveal party and I don't think we'll even disclose the sex until much later if it all because we'd like to keep clothes and such as neutral as possible so I don't understand what her issue is. I mean, even if we waited, it wouldn't change the fact that this child will have either male or female parts. What is the harm in finding out what those parts are a few months earlier? 
    Uggggggh.  Look, I am all about not pigeonholing babies into gender roles.  Part of the reason why I am leaning toward not finding out is that I don't want a bunch of frilly dilly girl dresses if we wind up being team pink, even though if you held a gun to my head I'd express a slight preference for team pink (although of course HEALTHY BABY above all).  I know with 1 nephew and 0 nieces on each side of the family, with grandparents who have already all stated how nice having a granddaughter would be, and with probably a 75% boy ratio among our friends' kids, girl stuff will show up in spades if that's what this baby is.  And if this baby is a girl, I don't want her soaked in girly princess culture before she is even born.

    But that is my choice, and this is YOUR pregnancy.  Baby is going to identify with his or her sex or not, and be girly or tomboyish or a boy's boy or a bit effeminate, regardless of whether you know what parts are there beforehand or not.  And even if you work hard to keep gender norms away from baby before they are born .  .  . they're still going to be born into a culture that pushes gender norms.  There's only so much you can do.  Your sister should not be giving you a hard time about this and I'm sorry that she is.
    Lilypie Pregnancy tickers

    DH and I:  Early/mid 30s
    Married 7/15
    TTC #1 as of 8/15
    BFP 11/21/15 -- MC confirmed 12/1/15
    BFP #2 2/18/16
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    MRSCORKERMRSCORKER member
    edited March 2016
    @annabenanna Yeah, I get that it's our decision and my pregnancy and she has no say but it just rubbed me the wrong way. It felt like she was implying that I'm already failing this child. She's 20 and has an opinion on EVERYTHING and just cannot see or accept other sides to an argument. She DEFINITELY cannot accept that she still has a lot to learn about some things. 
    I have never heard of that test, that's crazy. I think we'll just wait until our anatomy scan. I think there is some fun in guessing but I know I'll be over that by 18 weeks. 

    Me: 32 & DH: 37
    Married: November 2014
    TTC #1 Since: October 2015
    BFP #1: 11/18/15 - CP
    BFP #2: 2/8/16 - EDD 10/20/16
    IT'S A BOY!!!!
    DS Born 10/16/16

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    To add to my previous post, I was looking online for reviews on this SneakPeek Test, and look what I found on the whattoexpect website:

    "Has anyone done the Sneak Peek test? Just curious. We did it last week and the results came back a boy. I was really hoping for a girl since my husband has two boys from his first marriage. The thing is that by ultrasound pictures all of my girlfriends said... Oh for sure its a girl. Maybe I've talked myself into the fact that she was in fact a she but it feels like a girl to me! I did the sample collection in the kitchen and now I'm wondering if epithelial DNA could influence the test. Thinking about the number of males that pass though my kitchen and touch the counter, etc and wondering/hoping that had something to do with it. Also there aren't any reviews on the accuracy. A few on Amazon but all seem a bit scripted and are all 5 stars. Anyone have any experience with taking this test? Or with having sadness over gender?"

    WTF to so many things in that post.  
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    @simcal18 Yes! The whole reason we decided to find out but keep it between us is because we don't want to just be drowing in gender specific clothes and toys. Also, I kinda like the idea of having a secret between just my H and I. Although, he can't really keep the pregnancy a secret so I don't know how he'll keep the sex under wraps. We'll see. My sister is just on her soapbox. She'll get over it. 

    Me: 32 & DH: 37
    Married: November 2014
    TTC #1 Since: October 2015
    BFP #1: 11/18/15 - CP
    BFP #2: 2/8/16 - EDD 10/20/16
    IT'S A BOY!!!!
    DS Born 10/16/16

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    MRSCORKER said:
    @annabenanna Yeah, I get that it's our decision and my pregnancy and she has no say but it just rubbed me the wrong way. It felt like she was implying that I'm already failing this child. She's 20 and has an opinion on EVERYTHING and just cannot see or accept other sides to an argument. She DEFINITELY cannot accept that she still has a lot to learn about some things. 
    I have never heard of that test, that's crazy. I think we'll just wait until our anatomy scan. I think there is some fun in guessing but I know I'll be over that by 18 weeks. 
    Ahhh.  Well that explains it.  Man, I wish I knew as much now as I thought I did when I was 20.
    Lilypie Pregnancy tickers

    DH and I:  Early/mid 30s
    Married 7/15
    TTC #1 as of 8/15
    BFP 11/21/15 -- MC confirmed 12/1/15
    BFP #2 2/18/16
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    To add to my previous post, I was looking online for reviews on this SneakPeek Test, and look what I found on the whattoexpect website:

    "Has anyone done the Sneak Peek test? Just curious. We did it last week and the results came back a boy. I was really hoping for a girl since my husband has two boys from his first marriage. The thing is that by ultrasound pictures all of my girlfriends said... Oh for sure its a girl. Maybe I've talked myself into the fact that she was in fact a she but it feels like a girl to me! I did the sample collection in the kitchen and now I'm wondering if epithelial DNA could influence the test. Thinking about the number of males that pass though my kitchen and touch the counter, etc and wondering/hoping that had something to do with it. Also there aren't any reviews on the accuracy. A few on Amazon but all seem a bit scripted and are all 5 stars. Anyone have any experience with taking this test? Or with having sadness over gender?"

    WTF to so many things in that post.  
    Oh dear.  Sounds like somebody is in denial.  

    MRSCORKER said:
    @simcal18 Yes! The whole reason we decided to find out but keep it between us is because we don't want to just be drowing in gender specific clothes and toys. Also, I kinda like the idea of having a secret between just my H and I. Although, he can't really keep the pregnancy a secret so I don't know how he'll keep the sex under wraps. We'll see. My sister is just on her soapbox. She'll get over it. 
    Makes total sense.  I'd consider doing the just-between-us thing too, but DH is a TERRIBLE secret keeper and it would never work.  The fact that he made it 9 weeks without spilling the BFP beans to someone is a damn miracle.
    Lilypie Pregnancy tickers

    DH and I:  Early/mid 30s
    Married 7/15
    TTC #1 as of 8/15
    BFP 11/21/15 -- MC confirmed 12/1/15
    BFP #2 2/18/16
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    WTF to this whole getting-a-headache-almost-every-single-day thing my body has started doing the past couple of weeks. It makes me want to do zero percent of my tasks at work because all I want to do is gouge my brain out with a grapefruit spoon to ease the aching.

    Or maybe something less dramatic, like take a nap.

    Pregnancy Ticker

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    @bamacoop I'm having the same issue! The only thing that helps is caffeine. 

    Me: 32 & DH: 37
    Married: November 2014
    TTC #1 Since: October 2015
    BFP #1: 11/18/15 - CP
    BFP #2: 2/8/16 - EDD 10/20/16
    IT'S A BOY!!!!
    DS Born 10/16/16

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    CopperBoom86CopperBoom86 member
    edited March 2016
    WTF to there only being ONE episode of 11.22.63 left?! NEED. MOAR. 


    Pregnancy Ticker
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    @MRSCORKER It's good to know I'm not the only one! My head is on fire about 80% of the time lately.

    I'm sure caffeine would help, but I'm gonna throw a First World Problem Wednesday in and say I have nothing with caffeine with me at work, and I'd have to actually leave my office and walk across the street and buy a Coke or something and ugh it's just so far away from my cozy office chair! I just popped some off brand Tylenol, so hopefully that'll help.

    I hope your headaches go away soon!


    Pregnancy Ticker

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    @CopperBoom86 I'm toying with the idea of getting Hulu just to watch that show. 

    Me: 32 & DH: 37
    Married: November 2014
    TTC #1 Since: October 2015
    BFP #1: 11/18/15 - CP
    BFP #2: 2/8/16 - EDD 10/20/16
    IT'S A BOY!!!!
    DS Born 10/16/16

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    Why do people always think they can have an opinion on things that have nothing to do with them? Sorry @MRSCORKER I couldn't stand 20 year olds when I was one. Lol. Little know it alls. 

    Personally I don't care what my baby's sex is or what gender they later identify as...but you can bet your butt that I'm going to find out in May and that I'm going to put cute frilly dresses or onesies that say Daddy's Little Princess if it's a girl. And suits or onesies that say Mommy's Handsome Man if it's a boy. This will be my only baby and it's cute and honestly harmless. A baby is too young to be pigeonholed so long as I teach it as it grows older. Maybe that's something I should save for tomorrow's UO? Lol

    E will be 18 on July 24th
    Z was born October 16, 2016
    #3 Due October 9, 2018

    MC - November 29, 2012
    CP - November 15, 2014
    D&C for MMC - October 13, 2015




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    @MRSCORKER - It's soooo good. Can't you get a month of Hulu for free? If so, you should definitely do it!
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    @nataliemaephotography We are going through something similar with our loan officer right now! We know the date and time, but not location. And this is after having asked about 7 billion times (approximately) if we are meeting at a location close to where we live and work, or if we are meeting at a branch where the loan officer is based, which is a 45-minute drive into the middle of nowhere. Ultimately it really doesn't matter, but it would be nice to know when I need to duck out of work on that day. I'd like to, I don't know, let my boss know what's up with his employee's attendance. Crazy concept, I know.
    BabyFruit Ticker


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    WTF is up with the mountain dew 'puppy monkey baby' commercial? I'm pretty sure that's going to give me nightmares.
    BFP#1: 2/10/16
    EDD: 10/19/16

    Babysizer Cravings Pregnancy Tracker
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    WTF to my FI today, he's literally making me insane. You know when you get in an argument how you each may say things you don't mean, etc. Well when that happens and the argument is over, I don't need a single apology for every little thing unless it's pretty drastic and mean. Well he DEMANDS apologies for every single thing, I will think the argument died and then the next day he somehow brings it up and just demands apologies and I don't believe in that. I feel like I need to go outside and scream right now. What is the point of an apology that you make someone give you?!
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    WTF insomnia, I have woken up the past two nights and not been able to get back to sleep for TWO HOURS or more each time. So now that I'm not as nauseated anymore, I get new problems.


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    Wtf to my grandparents who are basically in denial of my prefnancy. Every time I  mention it  they very quickly change the subject.  I sent my grandma a picture of the ultrasound. Absolutely no response. Kinda expected that. 
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