Prepaid, Postpaid, Loans, Credit Cards: What They Are, and Why You Should Care

As I mentioned in my last post, I said that I would briefly explain the main differences between prepaid and postpaid. Hopefully, this will give you a better understanding between the two models, and why there are pros and cons to each approach, or why you should even bother with them. I endeavour to approach this rather complicated world of investments and loans by using analogies that even a sixth grader can understand.
Okay, suppose you went to McDonalds, and you ordered a meal. They tell you how much it is, and you pay for it. Then you eat your meal and you are done. In this example, you paid before you got your product or service. Pre means before. That is the case for the majority of transactions you will be familiar with.
Now, suppose you went to a fancy restaurant or a bar. You get a menu of items, and you tell the wait staff to get you what you want. They give it to you, and you eat it. Then, the bill arrives, and you have to pay for it. In this example, the staff trusted you to pay for their product or servivce after you had used it. This is because with this, you are paying after you had eaten your meal, not before. Post means after. This is a slightly less common type of transaction you will see on a daily basis. Note, with the advent of worldwide delivery apps in today’s today’s technology, this will gradually dwindle. But, why would a restaurant use this approach in the first place? Traditionally, restaurants were made so you could choose what you wanted from a menu. The food would be prepared, but since it is not fast-food, it had to be done pretty slowly. While you ate, you could request more items until you were satisfied. All that required a means of keeping track of what you had and for how much. Additionally, some guidelines were made about how to properly tip the person waiting on you. If you couldn’t afford to pay for your bill, you had to work it out by washing dishes in most cases. Some hotels wouldn’t let you have a room without paying for it in advance if you didn’t have any luggage with you.
But, I digress. So, how does all this apply to loans, phones, credit cards, and stuff like that? Lots! Using our two examples, here are just a few more analogies.
If I went to a store and asked to get a prepaid phone, the first thing I am going to look at are the prices, and whether it is on a monthly value plan, or pay only as needed. A monthly value plan is when you pay for the service every month before you actually begin to use it. However, if you’re one of those people who don’t always use a phone every month, you can set up an as-needed arrangement. This is when you manually add credit to use the service whenever you need it the most. Since you’re paying for the services before you actually use them in these two examples, they are both called prepaid. Now, here’s what happens if you don’t pay for the next month, or if your minutes or whatever runs out. Since it is prepaid, they won’t charge you anything, since you had used something which you had paid for in advance.
So, now you might be thinking, why would I still have unlimited calling or texting if it was prepaid? Let me explain. We’ll use the following example. Let’s say that you purchased a package to go swimming at a pool for one month. The service is unlimited. It costs a hundred dollars. You handed that over to the cashier, and they gave you a pass. If you have that pass, and if it is still within the month, you will have unlimited access to the swimming pool. When the month runs out, you’ll no longer have access to the pool. You don’t have to pay anything, since you’ve already paid everything in advance.
Here’s another little concept that people usually don’t tell you about. Let’s say you found a really neat gadget that you just had to get, but it was way out of your budget. Normally, a post-paid arrangement would be made. But, did you know that you can sometimes pay the amount in smaller chunks and then get the item? Well, that is actually possible. This is called a layaway. The downside to this is that you will most likely have to pay a deposit to ensure that the seller will not give the item to someone else. It’s much like reserving your place at a hotel. The good news is that if you approach this carefully, you can also do this with some medical and cosmetic procedures not covered by insurance.
Now, here’s how postpaid really works, because it has some unique properties that are not found in prepaid concepts, whether this applies to limited or unlimited services. Think about it this way. Calling, texting, and data are all considered services that rely on an underlying infrastructure. A plan is a set of one or more services. You have a plan consisting of all three, unlimited calling and texting (within the US), and three GB of data). Before we get onto the slightly confusing concept of postpaid products and services, though, here’s a bit of a history lesson on how the credit industry began.
First of all, what is credit, anyway? Well, credit means to lend, in a way, with complete trust. If you do something amazing you want others to give you credit for your achievement. So, when I credit you something it means that I am taking your word for it and that I trust you or have belief in your accomplishments. That’s pretty much what the origin of the word means. If you remember from an earlier post, I talked about how civic virtue was a requirement, not an incentive in ancient rome, and how the government collapsed because of that.
There was a time when people would walk into a little general store, though it would usually be a well-known acquaintance or public figure; someone whose shopped there for many years. They often made purchases that were generally large enough to a point they couldn’t keep track of how much money they had. So, they would say, ‘I’ll pay you to-morrow if you’ll take my word for it.’ That was an extension of credit. The store credited the amount, which meant that the buyer had a debt, or debit, of said amount. Debit, by the way, comes from debt, but it has slightly different meanings depending on the context. When you debit a certain sum, you are basically saying that you are removing this amount from a person’s bank account.
Soon, charge accounts were started, and that was later followed by investing, which we won’t cover here. So, people asked the merchants to put the items on their charge accounts, and every month a bill or invoice would be sent to the debter until it was paid off. This continued for a number of decades or centuries until around the 1950’s. Until then, this was about the only way people have done it, and then came along a gentleman by the name of Hilton. we all know of him because of his hotels. He started buying all these credit accounts from stores and eventually became so widespread that businesses were in on the deal. Soon after, the credit industry was born.
One of the first charge cards were called the Hilton International card. Then came along the others, like American Express, Visa, Mastercard, and Discover. Interestingly enough, the Chargers football team got their name and a lightning bolt for their symbol, not because they wanted to charge across the field, but it was because they were representing people who charged these cards. so, naturally, we needed to develop a system of knowing whether you or I were credit-worthy. That led to the formation of a credit repository that later became known as one of the three credit bureaus; Equifax, Transunion, and Experian.
So, here’s what’s going to happen when you first go to a postpaid company. They will ask your permission for them to collect some information from you, so they could check you out via a small background check using your personal information such as your name, date of birth, social security number (usually the last four digits) and your address. Since this company is risking itself with you, they have to make sure that you are a responsible borrower. I’ll explain why in a bit. So, they’ll use your social security number and other demographic information to identify you through those credit bureaus. The most common credit scoring system is called the Faire Isaac Company (FICO) score. It generally ranges from 350 to 850 points. There are other scoring models that are sometimes used, like Vantage Score. Think about it this way. Your credit score is basically like a GPA in school. It measures how responsible you are with people whom you borrow money from, or what grades you tend to make on average.
Let’s say that the following statements are true: You were someone who borrows money from me because you needed to cover an unexpected expense that you couldn’t afford to pay off. So you and I agreed that you would pay me back in full within six months by giving me a small portion of that sum. Let’s say I gave you six hundred dollars. You would pay me a hundred every month for six months, which adds up to the grand total. Let’s say that you’re very good at keeping track of this, so I am very confident that you will pay me back. As a result, you would have an A or B in borrowing money. So, your credit score would be around 750-850 points if it were an A. A B would be around 650-750 points. A C would be around 550-650 points, a d would be 450-550 points, and an F would be 350-450 points.
Many young people face a problem with not having credit, but there is hope! If you have a zero credit score, you have no grade, so lenders won’t know what to do with you. As an example, let’s say that I gave you the six hundred dollars. And let’s say you only paid back two hundred dollars, one each month, but after that you went off the radar, and you didn’t pay me back the rest. That’s a risk that all lenders have to face. So therefore, we would have to work out a form of security. The security is called a collateral. What kind of things do you have that are really valuable and are willing to give me if the amount of money you ask me is equal in value? Let’s say that your Cassio WK-1800 keyboard was pretty valuable and appraised it to be around $400. I gave you the four hundred, and you gave me the keyboard. The keyboard is worth the same amount I loaned you. Now, let’s say you paid me back only two hundred and went off the radar after that. Since you agreed to give me the keyboard, I would sell it to make up for the other two hundred that you failed to pay off. However, if you do manage to pay everything the debt in full, I will return the keyboard back to you. But, there is a catch. It not only cost me four hundred dollars, but I needed to be compensated for the loan as well. This is called an interest. This is how a lot of pawn shops work. Of course, you can always sell your items outright if you’d like. You can recognise pawn shops by their unique symbol.
As another example, let’s say I gave you a meal consisting of a Subway sandwich and a bag of chips. I gave them to you in advance, since you are really hungry. I would say that the meal is twelve dollars. But, let’s say you wanted more chips, so I got more of that for two dollars. Unfortunately, you only have twelve dollars with you, but because I got you another bag of chips, the total would be fourteen dollars. So, now you would owe me two dollars, since you already paid twelve dollars for the sandwich and first bag of chips. But you would still owe me the two for the extra bag of chips I gave you. So, you and I would work out a payment arrangement so that you could pay me back fifty cents a week. Note that this is just a hypothetical scenario that is very unlikely to happen. Let’s say that you agreed to pay me back by next month for four weeks. When that time arrived, and I still haven’t received anything, I might start charging you five cents for every day that you fail to pay me back after that. This is called a late fee. Sometimes it is also referred to as an interest rate, though this is usually fixed by something called an annual percentage rate and usually occurs when you only pay the minimum amount due. So, if $100 was the minimum amount for the loan of $400 that I gave you in the previous example, then I would charge interest, so you would be paying a little more than $100 per month.
Some time after credit cards came out, debit cards were introduced sometime between the 1970’s and 1990’s. Here’s an article that explains more. Generally, a merchant will be asked to collect money from a credit card transaction and be deducted a fee for doing so. If you charge a debit card as if it were a credit card, the transaction will show up as pending in your bank account. However, if you used a pin to conduct the transaction, then it becomes instant. Since most people say credit cards to assume all cards are either credit or debit, and since we don’t really know that, maybe saying bank card or payment card would make no distinction between the two.
One really good way to begin your credit history is to get a secured credit card from a bank or credit union. A security deposit is the same as a collateral. So, if you want a credit card with a credit limit of three hundred dollars, you would have to deposit three hundred dollars into a savings account, which will be held for you (usually for about a year) and then they will allow you to convert your account to an unsecured one. If you do well in about six months (in most cases), you can optionally choose to increase your credit limit by depositing more funds into the account.
Now, let’s say I just met you for the first time, and I didn’t have any prior information about you. Before I loaned you anything, I got permission from you to run a credit check, or hard enquiry. This will generally knock off a few points from your report. Then, to my amazement, I would see that you’ve had an impressive work history and that I would have no reason for denying you credit. That’s right! Employers and schools report information about you to all three credit bureaus, and there are more, but the more common ones are the big three.
But, what if you belong to a low-incidence disability population that is chronically underemployed? Fortunately, besides getting a secured credit card, there are a couple options. You can ask a trusted family member or close friend to add you as an authorised user. Although you will be making the payments yourself, it will still be their legal responsibility if you cannot afford to keep up for whatever reason. If you’ve heard of a cosigner, it doesn’t refer to cosign in math. Rather, it refers to someone whose credit is better than yours and has agreed to add their signature alongside yours. This is usually done with several types of loans.
Anyway, with postpaid services like cell phone or MiFi carriers, cable or satellite providers, etc. you usually have to agree to a two-year contract, which simply states that you will stick to it and pay for any extra usage of a limited service that surpasses the agreed-upon plan, and that you would pay for any late fees or things like that. You also agree to pay any early termination fees if you decide to break out of contract for any reason. Except in rare circumstances, the fees cannot be waived. As an example, I’ll tell you a true story. This was a few years ago when I was first starting to understand all this stuff. I was still unclear on it, and it resulted in major issues. So, my mother gave me the internet service, and I started using it non-stop. After a few months, my mother started getting bills that were way over the agreed contract. We didn’t find out why until I made excessive and pressured enquiries, and that’s when they finally told us that we were only limited to ten GB of data each month, but I kept going up to twenty or thirty instead. That’s why you have to be careful when choosing a service. You don’t want to be stuck with something when you know that you would most likely end up needing more than what you thought you needed. So never go beyond your limit if you know you won’t be able to afford it later. That’s why when I went with Sprint, I wanted to make sure that they were completely honest with me. As a result, I now have thirty GB of data. When I first signed up with them in November, after the prepaid company I have been with shut down, I got a twelve GB data plan. Unfortunately, I found out that it was too little, so I called in to see if I could have my plan changed. I told them that I tend to average around twenty-five to thirty GB every month, and they finally located a good fit for me.
As long as I stay within that limit each month, I’ll only have to pay one hundred twenty dollars each month, since that’s how much the plan costs. Back in December, when I first got my computer, I downloaded a lot of updates. And since it was early in the month, and I had already used twenty GB, I had to stop using the internet by the mid-part of December. But by the end of December, I couldn’t help it. I needed to use some more internet. So as a result, I’ve gone over my included GB by five, So I had to pay off two hundred sixty dollars, along with the original one hundred twenty dollars that was agreed upon, for a total of three hundred eighty dollars. Fortunately, though, I had that money squirreled away in a safe place, so I arranged to have that paid off by next week, and it worked, so I basically cleared it off right on the spot. After that, I started making sure that I never went over that limit again.
So, the last thing that I will mention here is what’s called a rate. If you remember from basic arithmetic class, a rate is a change in quantity given over another quantity. For example, your heart beats at a rate of eighty beats per minute. So the rate is beats per minute. So let’s look at that more closely. For every minute, there are eighty beats. Over two minutes, it would be 160. So your heart rate would be 160 beats per two minutes. When studying ratios and proportions, they will ask you to simplify that rate, so you would divide the top by the bottom, so 160/2=80. That will give you the end result for every one of whatever you’re measuring.
So, now let’s go back to the rate of usage. Suppose you went over your included limit of 3 GB by seven. Let’s say that the rate was five dollars for every GB spent after you’ve gone over the limit. So, to find out how much you have gone over, you would take the total number of GB spent, in this case, ten, and find the difference by subtracting your actual limit, which is three. The answer is seven. So, they would say something like, you’ve gone over your included gigabytes by seven point zero. Since the rate is five dollars per GB after you’ve gone over that 3GB limit, you would multiply the difference (seven), and the rate ($5), for a total of thirty-five dollars. That’s how much you would have to add. Let’s say that your agreed contract bill was twenty-five dollars per month. Since you went over your GB usage by seven, and because the fee is 35 dollars, you would add 25, which is how much you’re billed every month, and 35, which is the fee for the extra usage altogether. So 25+35=60. So for that month, you would have to pay sixty, plus any additional taxes and hidden fees that you were not aware of. That’s why it’s important for you to get a breakdown summary of the entire bill, so you know exactly how much you’re paying for, and for what.
There are a number of web sites that allow you to monitor your credit score for free, or add some optional features for a reduced fee. However, the Fair and Accurate Credit Transaction Act (FACTA) poses some restrictions on a credit bureau’s ability to sell credit reports. So, once a year, you can review your credit report for free by going to Annual Credit Report. Please keep in mind that not all these web sites are accessible to people using screen readers, so make sure you do your research with care. Random fact: credit bureaus keep public record information about you for approximately twenty years.
If your creditor tells you that your billing cycle starts on the eighteenth of the month and it ended on the fifteenth, it doesn’t always mean that they will report your balance to the credit bureaus on those days. For instance, my creditor reported on the last day of the month. It’s always best to use thirty percent or less of your overall credit limit. So, if you have two credit accounts totalling $1000, and you used two hundred in one and a hundred in the other, you have withdrawn $300 out of $1000. If a lender denies to give you credit, they will almost never tell you the exact reason why you were not approved because if they did, it might cause you to think of ways to work the system better, so they want to keep you guessing.
One thing I forgot to mention: if you failed to pay off your debt past the due date, you will get several notices letting you know that your debt will be handed over to a collections agency. Then a bill collector will try to get a hold of you in different ways to get you to settle the debt. If you default, which means that you fail to pay it off, that will cause severe impact to your credit score. If your debt is far greater than what you can afford, you might not have any choice left except to file bankruptcy. This usually involves having to go to court and possibly seeking legal help. If your only source of income is through things like Social Security or Social Insurance Disability benefits, creditors cannot force you to pay them back because that money wasn’t obtained from a job, and therefore, it’s not considered an asset. So, unless you won the lottery, you are technically judgement-proof.
If you are currently enduring financial hardship, help is available. You can start out with the National Foundation for Credit Counselling. Additionally, you can get in touch with a debt management programme like the one I’m on. Simply click here to visit their web site. If you decide that your debt is still manageable, the programme will ask your creditors to lower the minimum payments in exchange for closing the account to further purchases. In case you die, and you don’t have a will available, your debt will be processed by a probate court along with any assets you might’ve owned.
Let me know if there are any additional questions you may have. Feel free to go over this several times. It might be helpful for you to absorb everything word for word, instead of looking at everything at once. Feel free to ask someone for help, such as a family member or a friend.
Good luck, and happy budgetting!
Sources
My favourite web site for learning about anything relating to credit cards, loans, and mortgage is Nerd Wallet. http://www.nerdwallet.com/
How phone contracts affect your credit score: https://www.thebalance.com/does-my-cell-phone-payment-affect-my-credit-score-960537
Should you use your debit card as credit, and what is the difference, anyway? https://finance.yahoo.com/news/happens-swipe-debit-card-credit-113015478.html
The difference between a loan and a mortgage: https://www.diffen.com/difference/Loan_vs_Mortgage

Potential Experiments, a wrap-up to this series.

Today I learned that olfactory nerves are the only nerves in the central nervous system that can be regenerated. Could this be the reason why some people have anosmia, because their nerves didn’t regenerate? This is what a team of researchers used to allow a Polish man to walk again. In addition, I read that someone had been able to create a connection between the severed parts of the spinal cord using a stimulation device, and the paralysed person could wiggle their toes for the first time since their accident.
I’ve been writing heavily in my diary for the last ten years, and at that time I wrote a lot about things that might help as a transgender person. In biohacking, there is a technique that people are working on that would allow the injection of serum that contains nanobots. They would attach themselves to cells, modifying the genes. The changes would occur gradually. Once the changes occur, you would use nanobots to model and customise your body. In the future, there would be a lot more taking over when racism peaks its height. You can prepare serum by putting the blood into the centrifuge.
I figured since I have a lot of fat in my abdominal area, I could use that to create new fat tissue, which can be used to fill out other areas that need it the most, while at the same time slenderising the areas that would not need it. That would also require the thinning or dissolving of a lot of bone mineral layers and other tissue. I am purely against things like cochlear implants and breast implants since they are all artificial facsimiles of the real thing.
The following was written by a male best friend of mine who is into endocrinology. I was thinking about how hormones could psychologically make someone more attracted to a different gender, and so I tried to think of qualities that are common to females and not males which males would be attracted to. At first I thought of the ratio of fat to other body tissue, but I realised that it must not be set in stone, because some cultures think fat females are attractive, fat within reason anyway, and some think thin ones are. So I thought of what I am attracted to, which is voice quality, although it might not reflect the preferences of other males. Anyway, I was trying to think of what exactly would make me attracted to voices that have a certain high in pitch and resonance, because it seems strange that hormones could affect that. So I thought: maybe it only does that because those voices are different than my own, meaning at least what I think of as being more female-like, and less male-like. I also like shorter instead of taller females, within reason anyway, which I think reflects this as well.
Also, I was thinking that it would be good to do a study to see if a certain amount of pressure could cause growth plates to fuse and undergo senescence. I know that growth plates are at the ends of bones, but for the sake of explaining what I would like to study, imagine the growth plates being in the centre. The two things I would like to study are these. If, let us say you had a leg bone, I think and the thigh, the longest bone in the body. Imagine you had the bone on a table, facing vertically so it was really tall from the table to the sky. I would like to put plates on either end and squeeze them together for the first experiment, and pull them apart, maybe with clamps or something for the second. The problem for the second experiment is that the growth plates are at the ends, so the clamps might grab the plates themselves and damage them. I have heard two different explanations as to why growth plates fuse and undergo senescence. The first is that they have a certain growth potential they can reach which is their maximum, and then they stop growing. The second is that oestrogen causes them to undergo senescence, which is part of the reason females stop growing earlier, or that they are generally shorter. The enzyme aromatase converts testosterone into oestrogen, which is why the growth plates of males fuse eventually as well. I do not know if it is proven or not, but I heard that males can take aromatase inhibitors while they go through puberty to only produce testosterone and not oestrogen, so it will take longer for the growth plates to fuse. It is probably useless once they have fused, though, unless, as I had said, we can figure out how to manipulate bone structures. Some parents have opted to use high oestrogen doses to keep their severely disabled kids from growing up, so they would be more easy to take care of as they aged. So, this proves that oestrogen, at least, is responsible for this. This practice has been around for quite some time, and it is called growth attenuation therapy. It has parked a lot of controversy among disability rights advocates, though.
What do you think makes up some of your or my attractiveness? Some people on a FaceBook group I were in were asked, tell us about your most sexy attributes you are complimented on. Many of the cisgender guys said that their hair, deep radio voices, broad shoulders, and maybe penis length made up some of their good-looking attributes. Many of the cisgender females said that they were complimented on how short they were, how small or narrow their hands, wrists, ankles, or feet were, how narrow their waists were, or how big their butts and or breasts were, as well. So,I was thinking, why should we take the high road if there is something about us we don’t like about ourselves. People always tell you that you should accept your body the way it is, and live with it by finding the beauty in everything. Whether or not that’s a popular opinion, my view is different. I say, you should do everything within reason to change it as long as you can demonstrate that there is scientific evidence to prove your claims. For example, a lot of trans-guys struggle with having smaller bone structures, and if they take testosterone before the senescence of growth plate and other mechanisms of bone metabolism, bones can be made to continue growing. This is because testosterone makes someone more muscular, although it has some growth inhibiting properties. Human growth hormones are what make people grow. Oestrogen is another growth inhibitor, but it doesn’t make one muscular. Aromatase, an enzyme, can convert too much testosterone into oestrogen… So, what I want to know is, why are humans meant to grow in one direction,, but not shrink in the other direction? Are there any animals in the animalia kingdom capable of shrinking? I’ve seen how trees grow through growth rings. Some people might shrink as they age, but I heard that this is related to the spine. Testosterone can make your voice box lengthen, and the vocal folds to thicken, which ultimately deepens it, but with our current medical resources, nothing can make it shrink back to its previous size. This is the same thing for bones. So, I met another trans-guy, and we were talking about bio-engineering, and some options came up. Now, I’m a big fan of nuclear and radiological imaging, within reason anyway, since I don’t want to expose the body to massive amounts of ionising radiation. I’m also big on 3D scanning and printing, as well as lifecasting. Why can’t we inject somebody, or two volunteers to compare and contrast, and then we can study, in fine details, how these bones are laid out, and what kind of planned action we can do to optimise growth or shrinkage of these structures to reach a desired outcome. We know that the human body replaces itself every seven or ten years. That part is widely debated. Everything except within the central and cranial nervous system is constantly being replaced with new material. This is because most birds and some reptiles have epidermal stem cells that mammals don’t have. The only exception to this is the nerves in the olfactory region. If they didn’t regenerate, we’d lose our sense of smell. This dividing and replacement of cells is called mitosis. It is a controlled mechanism of replacing dead cells with new ones. It’s like when you go and stock shelves at a store. You see people picking out soda cans and other things from the outside, and then more would be pushed out from behind to replace the gaps. These are called layers. We know that bones can thicken in diameter by a mechanism that causes more layers to be built on the outside, and more layers to be dissolved on the inside, so as not to make them heavy. We also know that bone lengths are dependent on something called growth plates, which are fused by a mechanism caused by chemical messengers. The key here is to use the principle of tissue expansion. Or tissue replacement to either lengthen or shorten and or slenderise bones. We also know that bones are flexible and durable. If you use acid, like vinegar, it will become soft and spongy. If you put bones in a hot fire for a long period of time, it will become crumbly. I once performed an experiment where I took a chicken leg bone, and I used a giant hedge clipper to break it cleanly down the middle. What I saw was surprising. The thickness. Between the hole in the inside and the outside was about a quarter of an inch, or about 20 mm. I wondered why we couldn’t peg these bones in place without using metal materials simply by using new bones to pound them into place, then the bone peg would dissolve after it has been exposed to pressure for a while. The pieces could also be glued together with a morphogenic protein growth factor. We can also work on reversing the mechanism so that more layers of bones would dissolve on the outside, and more would be laid down on the inside. That, in turn, would make a cluster of bones like wrists, hands, ankles, or feet smaller or narrower. I’ve also talked about using a handpiece and or routing materials to round out square portions of bones as well. If you wanted to square out a rounded piece of bone, that has yet to be discovered, although I’d love to work in that area.
If you are squeamish about certain things, then don’t read on. If we are to build a fully-functioning reproductive system for trans-femme people, then adhering to these facts is a must. Some facts you DIDN’T learn in Health Class!
1. Vaginal discharge is normal. What’s normal about it? Well, so long as it looked and smelled healthy, I guess.
2. Wearing panty liners 24/7 is not necessary. Why not?
3. Vaginas are acidic enough to BLEACH fabric, hence the discoloration of underwear. I thought the pH of the internal lining was nearly the same as that of the skin’s surface.
4. Longer labias are more normal than smaller ones (but both are fine). People think you need to get rid of longer ones because of edited porn magazine photos.
5. Sperm CAN throw off your ph balance and also change the smell of your vagina. Well, if it’s like combining what pancake batter smells like in comparison with leavening dough that has been activated with yeast, then it’ll make a perfect freshener and tell everybody that you’ve had sex. In all seriousness, though, I wonder if any of this is pheromone-related?
6. It is not safe for vaginas to smell like sunshine and flowers so quit expecting it to. Damn, so many of today’s vagina owners, mostly female-identified, have been brainwashed by our society to think that a natural scent is bad and unattractive.
7. STOP douching and washing your vagina with bath & body works, and Victoria secret. That shit’s not healthy for the vagina yall. Right. Just leave it be and find something else to do. Perhaps it’s another attempt at trying to get them to use more of their products for lucrative gain.
8. The vagina cleans itself. Duh, what else is it supposed to do?
9. Having sex has no correlation of how “tight” your vagina is. I could’ve figured that out a long time ago.
10. Yeast infections are COMMON!!! Why wouldn’t it be?
11. The best thing you can do for your vagina is to leave it alone. ? That is, unless you’re pleasing yourself or being pleased, going to the bathroom, or giving birth.
12. If your vagina stinks or your discharge stinks and has a color then go see a gynaecologist. What is it generally supposed to smell like? Many say it has a fishy smell that can attract cats. This may be due to the breaking down of amines.
13. Let it breathe. As if had lungs? Wait, I suppose you mean let the area around it be exposed to the open.
14. The VAGINA is the narrow canal that runs INSIDE the body. NOT the whole genital area. Well, why do you suppose people don’t call it a vulva to refer to the whole genitalia, then? Precision and accuracy matters!
*Do not use soap in your vagina.* Right! Just a little side-note here to remind us.
15. Always urinate after sex to rinse the urinary tract of fluids that could be caught there and can cause UTIs. As if….
16. Drink water. Right, so you don’t faint upon arrival of Aunt Flow.
17. COTTON panties ladies. Wearing silk, satin and lace seven days a week will absolutely throw your Ph off. How so? Are those substances basic?
Don’t argue with me about this. Even if you say your mama put you in satin diapers and all you’ve ever worn is satin panties. If that’s true, YOUR PH IS OFF. I GUARANTEE it. Well, let me just get a talking lab quest and insert a probe to find out!
18. Stop sprinkling powder on your lady bits, stop IMMEDIATELY! Talcum causes cancer. This isn’t a hoax or a joke and I don’t care if your 97 year old great Aunt Myrtle has been using it twice a day, everyday. STOP IT! TODAY! Trust me. So, talcum causes cancer, eh? And, where’s your scientific evidence to prove that?
19. Also, the Vagina is a natural sperm killer, except when you’re ovulating with the exception of a very high ph level. (Still use protection people!) Right, abstinance is the best way not to get any sperm inside of you.
20. This is all correct and true. Ladies, stop letting boys who got sex ed from Pornhub tell you about YOUR vagina. Well, welll, and just who do you think the boys are? Obviously, boys can have periods, too, especially those who’ve previously been assigned female at birth.
Sorry…. couldn’t help being a little smart-alecky, but I just couldn’t resist. Regardless, a lot of it’s true and straight-up blunt. Not only would we have to change the person’s genitals and internal organs, but somehow change the glands, i.e. prostate to Skene’s, Cowper’s to Bartholin, etc.
I also want to use genetics to cure Progeria, a rare ageing disorder caused by special proteins. It could help us develop antigeria, the way some jellyfish have. We can also use chemicals that can alter fat cells so as to destroy them, or extract stem cells from them. We can speed up or slow down metabolism. This way. Think about ectomorphs, mesomorph, and endomorph, or neotenic individuals. There’s also the possibility of brain transplantation and cryogenics, which is always an option for hibernation. At some point when I got older, I experienced a rapid weight-gain, with my cheeks puffing out and rings developing around my neck, and stretch marks forming almost all over my body. The worst part was that it was probably due to a combination of medicines I was on after something bad happened to me. It was as if I were on cortizone-related steroids, since they were messing with my thyroid gland. I was constantly hungry, and hence, I was equally worried about running out of food. My brain was in almost a constant fog. Anyway, I will wrap up this series, so as to make room for more stuff.

From Transgender to Transhuman, part 4

I am one of those who hopes that transgender people, including those who are gender nonbinary and gender-nonconforming, can undergo rigorous gene modification and stem cell transplants to completely resculpt their bodies…th their ins and outs. There’s an article called Total Gender Change on https://hplusmagazine.com/2014/05/08/total-gender-change-within-decade/c Again, most of this information pertains to those assigned male at birth and who have been through their assigned puberty.
I have done a lot of Google searches for make hands and feet smaller, but all of the searches came negative, so I decided to go a different route. So far, I learned two things which might be of help in finding a reverse mechanism. First of all, the bones in the human skeleton grow both in length and diameter. through several mechanisms controlled by chemical messengers, which are also controlled by genetics and epigenetics. Sometimes endocrine disruptors can affect bone development, as well. Bone length is increased when new tissue is added to the ends of long bones called growth plates. After a certain age, oestrogen, or any form of testosterone converted via aromatisation will inhibit bone growth by calcifying the growth plate. Figuring out how cartilage is calcified can have the means to cure things like Fibrodysplasia Ossificans Progressiva, osteogenesis imperfecta, and other bone-development and maintenance-related disorders. We can also use some of these inherited diseases to our advantage, like using the characteristics of FOP to recreate new bone tissue to replace broken bones by taking samples of a person’s soft connective tissue, or giving said person a new bone of a different size or shape for cosmetic purposes. Any form of cartilage, especially those in the throat, will ossify with age. That is why, if you have crooked teeth, it’s best to get braces early. That is what I love about basic research. If you focus on the basic stuff, it’ll hopefully lead to serendipities and great discoveries for potential cures rather than if we spent a lot of time and energy on just one or two major diseases.
It appears that our palms and plants may have some kind of fat or muscle underneath, and we could use cool-sculpting to reshape them. The next step would be to actually make the bones smaller. I heard that ultrasonic therapy helps in lifting, toning, and tightening skin around certain areas, so this could help in removing the spaces around wrinkles caused by removal of something. I think this is called fat cavitation therapy.
The length of many bones, such as those in the hands and feet, are controlled by adding bone tissue to the ends close to where the joints are, so that the skeleton can move properly. This is probably why biological females are more prone to developing hypermobility because they tend to be more flexible. It might also suggest that biological males who may have been exposed to oestrogen through any number of means could develop hypermobility, as well. After puberty, these ends, which are primarily made of cartilage, begin to calcify or ossify. Obviously, the only way to get rid of these is to decalcify the ends and force the bones to shrink. Few people would attempt this, so maybe an alternative route would probably be a hand or foot transplant, possibly one from a donor, or one grown in the lab using various types of stem cells, or just regular cells such as macrophages. I’ve thought of using a controlled form of atomic oxygen or a focused jet of apple cider vinegar to soften bone tissue, since they are acidic substances that are known for reacting with calcium.
Bone diameter, on the other hand, is controlled by a similar mechanism, and this is what I think could help if we had the means to do it. At some point during a child’s development, bone-making cells called osteoblasts would lay down new layers on the outside of the bones faster than normal while osteoclasts would chew up the layers inside the bone cavities more slowly. If we could do the reverse, we could have osteoclasts chew up the outer layers, but in order to prevent osteoporosis, we’d have to build new bone material inside the bone cavities to balance it out. The width of the bone, or its diameter is controlled by how many layers of mineral are added and destroyed. Bone is constantly being remodelled. During a child’s growth, their bones begin to increase in thickness as more layers are placed. But wait. If you put too much of it at once, the bones will become very heavy. So another set of cells chew up the layers inside the bone cavity where the marrow is so that the space would be bigger. I was thinking to do the reverse. The osteoclasts would get rid of the outer layer while the osteoblasts would lay down new mineral layers inside the bone to make it smaller, but stronger at the same time. If osteoclasts only dissolved the outer bone, that would result in osteoporosis. Bone is not static–it is constantly being remodelled. Usually, the rate at which bone minerals are laid and destroyed are balanced, but this can change under certain conditions. Bones are able to grow both in length and width, but there are complex mechanisms that make it happen. So, what if I could somehow reverse this mechanism to make bones smaller? Imagine a very small tubular lead pipe. Every day, you add one coating of lead that fuses with the current structure. You do this for one week. Notice that the thickness between the inside of the pipe and the outside is much bigger, and therefore, much heavier, so now you have to dissolve some layers of lead on the inside of the pipe to get close to the original thickness and mass. So, for another week you add a clating of a substance that would remove the amount of lead inside. The result is that you will now have a bigger pipe that might weigh more or about the same as before. So, all we have to do is reverse this process. Some parts of my body are small by comparison, such as my mouth, though this may have been due to a lot of orthodontic treatment growing up. So, that is something to consider when evaluating someone’s prior medical and cosmetic history. Total morphology proportion analysis.
For both of these modifications, a bone scan may have to be performed along with a 3D-printed model for comparison of both the host (your own body) and the target (a volunteer whose hand or foot you’re trying to match), or even their whole body. Bone scans shouldn’t be that hard, especially since two types exist. One is where hand x-rays are used to determine a child’s bone age, and another one, mainly used to detect bone cancer or bone density scanning can get a thorough look at the skeleton for future modifications. To use less sophisticated resources, use glasses and helmets to measure the person’s face and head. I believe that transgender people should seek natural and alternative routes to successfully transition and still gain aesthetic, functional and sensational benefit from these treatments.
Having big hands, feet, or just being big-boned in general can be a problem for anybody who identifies as female, causing lack of self-confidence and self-esteem. Fortunately, though, there are things being done about it, but probably not this minute. Since I am very interested in osteopathy and endocrinology, I frequently peruse over these materials regarding this stuff. The human hand is comprised of twenty-seven bones, and the human foot is made up of twenty-six bones. Take note that these parts have hundreds of muscles, tendons, ligaments, nerves and blood vessels, as well. I base most of what i write here from these findings, so please note that this is not based on professional thought.
Sometimes, people grow taller because they produce more human growth hormones or because they intentionally take them. Some people don’t produce enough, which makes them very short. Some people’s long bones, like the spine, can fuse faster than other parts, which can cause disproportionate results, like having a short stature and having big hands and feet, or vice versa. There are other conditions that are particularly common in those with spontaneous growth spurts, like scoliosis. Some of these can result in chronic pain.
I finally learned something about bone metabolism, which can help me a great deal, since bone remodelling occurs at various speeds depending on how old we are. Human bones have been successfully grown from a person’s fat, but that is not to say that it can also be grown from soft connective tissue, as well. Female upper arms tend to be longer than in males, plus they also have narrower ribcages. I thought of using medical imaging and nuclear medicine, which uses every diagnostic intervention to look at the person in full detail, including three-D. I would like to learn how the Dexa bone density scan works, so that I can possibly implement that in my novel I began writing.
Biological males tend to develop heavier boney eyebrows. The tips of the nasal bones tend to grow more in biological males than females, creating a larger, (longer or wider) nose. Female cheeks tend to be fuller and more rounded. Under the influence of estrogen, fat is deposited beneath the skin, acting as a cushion, and overall facial and body contours become softer. This is reversed by androgens. The jaw in males tends to grow wider and more deeply sculptured than in females, usually leaving the gum line unaffected. Biological females tend to have thicker, fleshier lips than males of the same size due to estrogen.
Robot surgeons might be able to use lasers to cut through bone, replacing traditional saws and drills. Bones have to be strong and flexible. They cannot be one or the other. Calcium is what makes it strong, while collagen is what makes it flexible. It is a good thing that bones are not hard all the way through. If they were, there would be a different story. Bone scanners are not like CAT scanners. They usually involve a giant camera that takes pictures of a tracer that is absorbed into bone structures by moving around an arm, sort of like a panoramic X-ray machine. This is better known as a dual Energy X-ray Absorbtiometry scan.
I have been searching every day for a miracle for my condition. The only thing that is realistically possible today from my understanding is adjusting androgens and oestrogen levels and some fake patch work. How far advanced has medical science really gotten? Can they resculpt the entire skeleton and the skull (jaws and all) with a bone scan? Can they redefine the collar bones, pelvic and puvic bones? Develop the mammary glands to form real breasts (not necessarily to produce milk, but rather than use fake implants)? Alter the number of skin layers (collagen and elastin levels)? Not have such coarse skin? Firm and reduce the pore sizes of the skin with a vacuum? Tweaking the larynx and altering the resonating chambers? Muscle and fat sculpting with cryolipolysis, liposuction fat transfer and fat cavitation? And, why not an actual transplant of the female reproductive system, or a development of one rather than a fake vaginoplasty for people transitioning to female? Changing the size of the limbs? Changing the chromosomes? As far as skin texture is concerned, this article has some good information. As far as keeping bones from growing, there used to be a practice in China that was done a long time ago. It was known as foot-binding. And, check out this historical larynx transplant.
From what I understand most of them are not effectively possible because of risks with transplant rejection and whatnot, but I am not too sure. Whenever I get these feelings, I always think of things that give me solace. What causes people to have big or small bones, anyhow? It depends on how fast they reshape themselves, and how many layers build up, which determines the thickness. It seems like people must give up something if they want that thing more. Like, if a transwoman wanted smaller limbs, she would probably hate to lose mechanical strength. Bone remodelling is still a few stages away, but the alternative would be a brain transplantation. For some reason, it is speculated that only one body can be used for brain transplantations. This might be due to something I read in My Brain on Fire where they talked about how the brain is immunodifferent.
I hope this will renew your interest in pursuing this, as I know that having bones is an issue for me as well. I believe that a person should do as much as they feel they can do, and get support from those who feel the same, like joining a participatory medicine group. If something doesn’t seem practical, it’s only because there aren’t enough resources or because we don’t have the knowledge and understanding to work with. Dreams can become reality with enough willpower and effort. May you have good luck in your ventures!

From Transgender to Transhuman, part 3

When it comes to hand and foot size, it makes me wonder why few people are working on improving the techniques of reconstructions. Plastic surgery aims to reconstruct abnormal tissue, but many of them use artificial and foreign materials that they use to reconnect the bones, blood vessels and nerves together with things like alloys, pins and screws, or silicone gels. I don’t like the idea of having plates, screws, rods and pins inside the bones because they could interfere with many other things. I was thinking of other alternatives, like making pins out of bone material and then pegging the ends together until they mended. After all, that’s how people peg pieces of wood together. Nerve reconnection, especially those that may not regenerate, can be very difficult; It’s like conecting a small bundle of hairs, and you have to tie each strand of hair to the right one. That’s why scientists are working with nanotechnology to see if they can overcome this barrier. It might be that they can find a way to manipulate the bone structures and other tissues in the limbs to reduce their size. While I don’t believe in giving someone something that may seem impractical, I encourage them to develop a way to research their optionss. For example, one who wishes to pursue something that doesn’t exist may as well get support from those who share a common interest to make it a reality.
Cosmetic surgery is considered an elective, meaning that it is only based on the desire of the patient as an enhancement and not based on a medical necessity. The same goes for certain types of transplants. Being trans myself, I believe that if I had the right resources, knowledge and willpower, I could work with a supportive team to see what new techniques could be used to make this happen.
The first idea I was thinking would involve a total hlimb transplant or a limb regrowth. Many researchers around the world are trying to figure out how some species are able to regenerate body parts. They speculate that certain activation of genes play a role in the production of recreating new tissue. Deciphering the mechanism of bioelectricity will have the potential to help us understand how the body is capable of regenerating. It is currently impossible to look solely at an animal’s genome or microbiome and predict what shape or size it is going to be. We can say this gene makes that protein, but to understand the shape of a head or an animal’s size… there is very little understanding of how large-scale shape emerges or is controlled. The chief chemicals lie within hoarding sodium chloride ions, which ushers potassium ions. These mainly create a ground potential that creates a negative voltage. This is also called a sodium potassium pump.
One of the things i don’t like about facial feminisation surgery, or any surgery that involves bone removal is the way the bones are being shaped and filled with bone cement and other things, though I thought about using a handpiece and using it like a router used in woodworking to round-over any square edges. So, I think it would be much easier to replace them with new bones. Three-D printing technology could help in recreating new biological organs, including bones, which can be used to resculpt the body. While titanium was used in this experiment, someone was born with an extremely large skull. Most of that was removed and replaced with metal. We should not be putting metals and alloys inside our bodies.
Also, I noticed that larger hands and feet, especially on the palmar and plantar sides, have a lot of padding. People with smaller hands and feet usually have less padding or fewer layers of skin in general. The wrists or ankles might be narrow, but the hands and feet may be wider, or vice versa. One of the things I read about was hand x-rays, an imaging technique used to see if the person’s bone age will be any different from their overall age. Sometimes, a person’s spine can fuse while other parts of their body continue to grow. This may result in a really short stature with enlarged bones elsewhere. Think of a biological female, for instance, that measured five feet even, who wears size twelve shoes in men’s.
It has been shown that oestrogen is a growth inhibitor, and those who get a lot of it are usually smaller and have wider hips. The ring to index finger ratio has been under a great number of studies to see if there was any linkage between prenatal hormones and gender identity, but nothing has been definite yet. This has led to a lot of myths and debates over the phenomenon.
To get back to the main question, what I would do is research any places that support your belief and who have idealistic and optimistic attitudes. some things can be made practical over time if we work together to make it happen, and with the proper understanding of how all these underlying processes work. If we stopped quarrelling and bickering with one another over the latest political drama, we should make efforts to become more educated and informed, rather than choosing to ignore science.

From Transgender to Transhuman, part 2

Most transgender people desiring a biological sex change hope that something like this will be possible, and I believe that with the right knowledge and technology it will eventually happen.
As we discussed in our previous post, the human genome is made up of approximately twenty thousand genes, each made from one’s DNA, with four neucleotides (adenine, thymine, guanine and cytosine). https://en.wikipedia.org/wiki/Human_genome Chromosomes contain various genes. A base pair is made up of two neucleotides, like G and C. A sequence is made up of three base pairs (GC AT CA). So you’ll have six neucleotides, which is called a codon. This is because each codon codes for a specific amino acid, which leads to the manufacture of a specific protein. A gene contains a series of several codons, which, when put together, make a protein. So a codon makes an amino acid, and a gene makes a protein. Using our knowledge of heat shock proteins, we can also use natural flavour enhancers. Did you ever notice how your left-overs tasted more savoury? It is due to this breaking down of proteins.
Scientists have been working with viruses to find a way to change a gene or a specific sequence using a myriad of techniques. For instance, DNA extraction and isolation can be done using various gels, electrical fields, certain membranes or enzymes, and more. After cells get expanded thanks to osmosis, some dye is added to make the parts of the cell more visible. Using a controlled manner, they can then insert bacteria and viruses to study how these cells will respond.
Mutations are a result of abnormal sequences in base pairs, which causes malfunctions in the production of proteins. These proteins are essential to keeping organ systems working cohesively. Lack of proteins can cause undevelop cells to stop developing, or they might cause developed cells to die out because they are not getting the needed nutrients from the protein. Mutations can be caused by viruses, environmental changes, and more recently, through epigenetics. This is where protein from meats we consume are used to change DNA for future children, as well as endocrine disrupting agents found in industrial processes. That is where most of our work with gene therapy is based.
Now, mitosis is the process of cell division. It is the reason why people don’t have different skins or different hairs, etc. When a cell divides, every new cell will be a child of the parent. This is the most natural form of cloning. Speaking of cloning, this process could be used to recreate the reproductive ducts in the prospective individual. Certain growth factors will allow this duct to develop into the desired reproductive tract, which would be inserted into the pelvis once it has been resculpted. The entire human body is replaced every seven or ten years through this process, so the gene therapies would have to target the cell division taking place. It would be great if we came up with an antigeria gene through this process, too.
Very few cells in the human body are static, as every dead cell is being replaced by new ones. Cancer is a result of a mutation in oncogenes that cause cells to continue living and proliferating rapidly. Back in 2013, a physicist made some presentations on what he believed was the mechanism of cancer, and how it first came about in animal-human evolution.
When humans reproduce, cells in the sperm and egg meet, which become gametes. At random, each gene from the pair of twenty-three chromosomes help to form the embryo, which becomes the foetus, and eventually, a human baby. There is an article I read, but I will not post it here because the writers decided to alternate between using male pronouns in one sentence, and female pronouns in another, rather than just use neutral pronouns consistently. Anyway, they used several kitchen items such as sesame seeds and certain kinds of nuts.
The first twenty-two pairs of chromosomes are not directly sex-related. They are numbered from largest to smallest, with number 1 being the largest, and number 22 being the smallest. They are called autosomes and are spaghetti-shaped. The llast two are the ones that will play a role in the development in determining a person’s biological sex. All humans have one X–shaped chromosome, but generally, males have a Y-shaped chromosome. Females generally have an extra x-shaped chromosome. Notice how I said generally in the last two sentences. This is because some people are born with abnormal number of chromosomes. Some people are born with XY-chromosome pairs, but still exhibit female traits and vice versa. Some people have an extra odd or even number of chromosomes. Some people are missing one chromosome, and some people are intersex, meaning that they are born with ambiguous reproductive organs. In Golden Boy, Max had a karyotype of a 46XX/46XY, meaning that he was either chimeric or mosaic. Either because of a faulty SRY gene, or because of the weird combination he had, part of his gonads developed into a testis while the other developed into an ovary. So, anything can go wrong when it comes to genetic development. Some can be predicted while others can go unnoticed. That is why so many so-called sex and gender tests people try to do on new athletes fail.
The mitochondria is always inherited from the egg cell. This bacteria enables us to convert oxygen to energy. More recently, scientists are transplanting healthy mitochondria from a third party egg cell to compensate for the diseased mitochondria in a foetus. Also, some researchers have found links to excessive dopamine due to damaged mitochondria, as well as Alzheimer’s, which has been dubbed as type III diabetes.
Here’s an interesting thing to note. Since females have two chromosomes of the same shape that code for the same thing, they generally have a more stable environment. So if the X-chromosome failled to code for something, the other one will usually take over. For males, however, their genetic makeup is more varied, since the Y-chromosome usually doesn’t code for what the X-chromosome failled to code. This might be a reason why males might have a different form of intelligence than females, and why the majority of mathematicians and scientists were male.
In a recent study, scientists were able to remove an extra copy of autosome number 21 on a karyotype in hopes of getting rid of Down Syndrome. This same thing could be done by drawing some blood, removing the desired sex chromosome, and then make a duplicate of the X to make another X, or modify another to form a Y. Then the modified gene would be injected into the body, and the aid of a virus, or the swallow of a pill, could help it spread out to all the billions of cells. You may have heard of mosaics, hybrids, and chimeras. When you get a blood transfusion, an organ transplant, etc, you are basically taking the DNA of the donor into your own body. Pregnant females may take DNA from their foetus as well.
That will take care of the first half, but now we need to recreate the organs that were not developed. This is where stem cells and regenerative medicine will come into play, and this is the one that provide lots of promise if we remain optimistic about it. As a transhumanist, I believe that having the ability to analyse and make medical images of the patient, optimal results can be achieved to satisfy the client’s wish for aesthetic, functional, and sensational use. I have spent a lot of research on this topic that I could write a book on it.