Health Insurance: It's Private

 This Week's Topic: Health Insurance

It's likely you, dear readers, don't want to endure my lengthy diatribe on the rapacious US Health Industry, our longstanding corporate death panels, the staggering increases in insurance premiums so the insurance companies can rake in over $350Billion in annual revenue, private equity firms crippling private practices with undue administrative burdens, how the hulking medical complex routinely punishes the unmarried, nor my objections to religious groups operating medical facilities (thus imposing their beliefs on anyone seeking care).

Instead, I'll share what I --a single, self-employed, not-incorporated-- author does about the necessary evil that is health insurance. I have private insurance that is not through the ACA Marketplace. I got it after I left corporate, before the ACA was a thing. It is not part of a guild-sponsored program, so I can't speak to whether those are cost-savers or not. Naturally, I did (and continue to) look into plans offered by the ACA; however, aside from ridiculously high deductibles, the bigger problem is finding doctors who accept that insurance. I'm fortunate to live in a city where hospitals and medical specialists abound, yet it is still a struggle to find practices that accept ACA-provided insurance. Alas, my health insurance is more expensive than the mortgage I have on a 3br townhouse in an urban historic district in a major metro area. This year (last week, as matter of fact) my insurance company informed me of a 30% increase in my premium. 

30% Increase
30%
The national inflation rate
that incited political and cultural warfare was 7% by comparison

Funny how insurance companies send out those premium-increase notices after the ACA Marketplace open enrollment closes, eh? Yes, it makes me incandescent with rage that we have no recourse. Yes, I'm aware that the ridiculous congressionally-sanctioned robbery that is health insurance is all that stands between me and bankruptcy caused by medical expenses. Yes, I know there are tax deductions that can be taken, however, one still has to pay the premiums even if book sales are at rock bottom. 

Do I wish our federal and state governments would overhaul our healthcare system? Gods yes. Health Insurance is the greatest fraud and extortion perpetrated upon the US population.

Photo Credit: Pexels

As the release of my debut, A Realm of Ash and Shadow, draws near, there are three things I’ve learned over this past year that I’d love to share with other authors at the same stage of this journey as I am.

3 Things I Learned as a Debut Author

Learn to Slow Down

You’re going to be pushed and pulled in many directions. It’s inevitable. But you need to learn how to slow down. You can take time for yourself and recharge in the ways that recharge you best. Sometimes that’s self-care; other times, that’s losing yourself while drafting another book.

For me, it’s Saturdays on the couch with a book or binge-watching a show with my husband. Maybe for you, it’s Tuesday nights on Fortnite, or it’s Thursday mornings at Target.

Whatever it is, slow down and relish in the peace of it.

Embrace Rejection

Often, writers believe that once you sign with an agent or sell your book and you’re finally, FINALLY, being published, the rejections just… end. They don’t. They keep coming, and staying positive can be hard when you’re constantly being told no. Or when you’ve put in so much effort to market your debut, and you don’t make any lists. Or when you host a book event with twenty empty seats.

Or when negative reviews inevitably come in, and it feels like a personal attack.

I remember the first one-star review I ever received on my debut A Realm of Ash and Shadow. My chest felt tight, and my cheeks were hot. It was brutal. But I let it hurt, leaned on my husband and writer friends, and then I… got over it.

Not everyone will love your book, and it’s best to accept that sooner rather than later.

Create A Routine

Amidst all the hecticness of debuting, you will want to create a routine. Currently, I’m fortunate enough to freelance part-time while I focus on my career as an author. But it wasn’t always like this for me. Before I cut back on my client work, I was working full-time, drafting a sequel, and going through the entire pre-publication process for my debut.

It was so incredibly draining that I had to make cuts somewhere.

So, I cut back on my client work and forced myself into a routine that looked like this:

Morning:

Before I even start my working day, I enjoy some me-time! I take a long walk with my dog, brew coffee, and scroll on social media. Then, I dive into client work. I spend about three hours doing as much as I can to get all of my client work finished because I can’t focus on debuting or drafting if I have other deadlines looming over me.

Midday:

I always, always, try to remember to eat lunch. Sometimes I think I’m a workaholic, and I can sustain myself on iced coffee. It’s not good for me. (It’s not good for anyone, really.) Then, after lunch, I start working on all things debut. This looks like answering emails, creating social media graphics, calling indie bookstores to see if they’ll stock my book, etc. I also focus on building my author platform. So much goes into debuting that it’s hard to keep up.

Afternoon:

Once I’ve done everything on my schedule for my debut, it’s time to sprint! I most look forward to this part of my day because I love drafting and working on my craft.

All that to say, not every day goes perfectly. Sometimes there are fires I have to put out for my clients, and it cuts into the time I’ve allotted to draft. Sometimes I end up deviating from my routine altogether. But I always go back to my routine because it allows me to set boundaries and focus on what’s most important during those time frames instead of stressing about everything all the time.

Compartmentalizing is the best!

All this to say… you can and will survive your debut year as an author!

I hope these three things I learned as a debut author are helpful. Do you have any tips for debuting? I’d love to hear them! Feel free to comment below or come let me know over on Instagram @laraonfire.

Lara Buckheit is the author of A Realm of Ash and Shadow: https://books2read.com/aroaas. She holds a Bachelor's Degree in Communications from Wilmington University, is a 2021 WriteMentor Mentee, an avid writer (and reader) of spice, and one time she met Taylor Swift's dad. She started writing at a very young age, mostly fanfiction centered around women with swords and men with devilish grins. And she hasn't stopped since. When not writing, Lara can be found drinking tea, hustling for her day job, and reading from her endless TBR pile. Lara currently lives in Charlottesville, VA, with her husband, dog, and thirteen houseplants named after fictional characters.

What I'm Learning

 I was referred to a biofeedback specialist who is training me to state shift. Shifting from fight or flight states to relaxed but alert states. NSDR / Yoga Nidra are the method by which that shift happens. The video is a 10 minute NSDR session designed to shift you out of your head and into your body for a little while. You reset your nervous system, restore energy, and heighten focus. If you suffer chronic pain, this is also a balm that might not cure all the discomfort, but which will certainly lower the volume a little.

 

 

 

 Yoga Nidra is another version of NSDR (so is self hypnosis). If you need a longer break or a longer session to help draw down pain or high stress, you can find sessions as long or as short as you like. I like Ally Boothroyd's ad-free channel.She offers an array of yoga nidra sessions.

 

Biofeedback is teaching me that all this time, I've been doing life wrong. Turns out you're supposed to rest. The modern worship of business and SO MUCH WORK TO DO is actively bad for our health and in my case, is likely a major contributor to chronic pain conditions. The hardest homework I have from biofeedback is learning that I need to structure my day around rest and that my productivity increases when I do. I hope this is useful to someone besides me - because honestly - establishing this new routine is at that all-consuming stage. I think I'll go listen to one right now.

Sisyphus and the 2nd Arc

 This Week's Topic: On My Mind

On my mind this week is when to surrender to a WiP that just won't come together. Regular readers of this blog know I'm a skeleton plotter: Two or three bullet points per arc, per chapter to ensure I have a cohesive plot from beginning to end. 

What is currently plaguing me is that I have the 1st, 3rd, and 4th arcs mapped. I'm dying in the 2nd arc and have been for [mumble, mumble] far too long. The problem, of course, is if I don't have-- what I affectionately call-- "the arc of failures" mapped I can't claim to have the beginning or the end truly set either. Because the problems the characters face can change who is involved and how the ultimate goals are achieved, I have introduced a villain's pov, removed the villain's pov, added allies, removed allies, shifted the setting from mountains to a river valley, revamped the rules of magic more times than I have fingers and toes, and, well...

 [huff, huff]
[tantrum flails]
[frisbees notebooks, note cards, and laptooo--No, no, not the tech!]

I know full well I've wasted too much time trying to resolve this problem, which harkens to the classic decision point of knowing when to cut losses versus clinging with desperation determination to overcome the obstacle to savor the sweet, sweet joy of triumph. 

Dear readers, I am weak. I cannot quit this torment. Day after day I try coming at the problem from a different angle, a different POV, a different age, a different conflict, and yet... I am Sysiphus this second arc is my stone. 

[waaaah]
[sulk]
[picks up notebook, starts writing in pen pencil with big eraser]

The (Real) Rise of Skywalker

 

Be forewarned — spoilers ahead.

First, let me preface this with one thing: I absolutely hate stories where the villain redeems themself through death.

I loathe it. It’s the easy road. It’s a cheap way to tie up loose ends without actually putting in effort.

And I despise Disney for doing it to Ben when they could’ve done SO. MUCH. MORE. with his character.

So today, I’m going to share what I would’ve done with Ben’s character post The Rise of Skywalker…

Ben (as Kylo Ren) did a lot of things that most people would consider irredeemable throughout the trilogy. To name a few: he merc’d his dad (Han Solo), he ordered the slaughter on the village of Jakku, he destroyed the Hosnian System, and, at times, he was an entitled little shit.

But before he was Kylo Ren, he was a child who was manipulated to the dark side by someone literally inside his head. He needed help and the people he trusted most (his parents and his uncle) abandoned him to the voice, to the dark side.

It really was quite tragic.

So what would I have done with him?

I would’ve had him fighting side-by-side with Rey so death wasn’t an option. They would’ve defeated Emperor Palpatine together along with the help of some Force ghosts (and maybe Anakin’s ghost would tell Ben he’s so proud of him for overcoming the dark side, and we’d all cry…), and once Palpatine was toast, Ben and Rey would’ve kissed and laughed and realized that keeping hope alive in other people is a very real thing that has magnificent outcomes.

Afterward, Ben would’ve become the notion behind the film’s title by doing everything he could to right the wrongs he committed (while going to therapy). He would move to Ach-To (where the Jedi Order was founded), and he would train the next group of Jedi. He would give back endlessly/tirelessly until he earned the trust of those around him and he would’ve stood on the right side of history in the next inevitable battle against the dark side. And during that battle? Ben would wield Anakin’s lightsaber (not Rey) and all would be right in the galaxy.

 

                         

Can you tell I’ve thought a lot about this? Haha.

In my debut, A Realm of Ash and Shadow, there is a character who shares traits with Anakin/Ben Solo. He’s messy and could really benefit from a really tight hug and years of therapy. But I wouldn’t dream of killing him off to right the wrongs he’s committed. Instead, he is working every day to be better, to do good, and to atone for what he’s done. And dare I say, he actually apologizes.

A non-death redemption arc for Ben Solo would break the cyclic notion that in order to be forgiven for all the wrongs that a character had committed, they’d have to die. But stories shouldn’t be that black and white. They are shades of grey. By giving Ben Solo an actual redemption arc, writers would instill hope that people can change, they can do better.

So what do you think about my redemption arc for Ben Solo? Would you have preferred if he lived and trained a new school of Jedi? If he made amends without dying? Let me know in the comments or over on Instagram @laraonfire!

And if you’re looking for any ideas on what makes a good villain, Alexia has you covered in this blog HERE.

PHOTO CREDITS: All images are from Google Images.

Lara Buckheit is the author of A Realm of Ash and Shadow: https://books2read.com/aroaas. She holds a Bachelor's Degree in Communications from Wilmington University, is a 2021 WriteMentor Mentee, an avid writer (and reader) of spice, and one time she met Taylor Swift's dad. She started writing at a very young age, mostly fanfiction centered around women with swords and men with devilish grins. And she hasn't stopped since. When not writing, Lara can be found drinking tea, hustling for her day job, and reading from her endless TBR pile. Lara currently lives in Charlottesville, VA, with her husband, dog, and thirteen houseplants named after fictional characters.

It's a Rocky Road to Redemption

I wanted to see if there was a villain who couldn't be redeemed. My mind turned immediately to Heathcliff from Wuthering Heights (even if, looking back, I wonder just how much racism there was embedded there). AI came up with a perfectly rational, logical list (that I have edited for brevity as much as possible):

Heathcliff is seen as a cruel, manipulative, and vengeful character who causes great harm to those around him. However, here's one possible redemption arc:

1. Acknowledge the harm he has caused: For Heathcliff to begin his redemption arc, he must acknowledge the harm he has caused to others. He must confront the fact that his actions have hurt the people he claims to love. He must take responsibility for his actions.

2. Seek forgiveness: Heathcliff must seek forgiveness from those he has hurt. This could be a difficult process for Heathcliff, as he has always been a proud and stubborn character. (Author insert - any concern about some of those people being *dead*?)

3. Make amends: After seeking forgiveness, Heathcliff must make amends for his actions. This could involve doing something to help those he has hurt, such as restoring Wuthering Heights to its former glory. Making amends will show Heathcliff is committed to change and that he is willing to take action to make things right. (Uhm. I feel like we're brushing off a dead heroine here.Are we seriously talking about buying off her life with an estate restoration? Cool. I feel like's a whole new Kate Bush song.)

4. Find inner peace: Throughout Wuthering Heights, Heathcliff is portrayed as a tormented and unhappy character. To complete his redemption arc, he must find inner peace and come to terms with his past. He must find a way to move past his pain and find happiness in his own life.

5. Act selflessly: Finally, Heathcliff must act selflessly and put the needs of others before his own. He must stop seeking revenge and focus on helping those around him. By doing so, he will demonstrate that he has changed and he is committed to living a better life.

My problem with this enumerated list is that it's so tidy. The road to redemption rarely has a map as facile as AI would like us to believe. It would be up to us as writers to put Heathcliff in such dire, horrifying straits that he'd have no choice but to face up to the monster he'd become. And given that Catherine is a freaking GHOST (speaking of causing harm to loved ones) how's he supposed to seek forgiveness from her? In my head, this redemption arc is skewing straight into horror territory and the only possible ending for my theoretical 'redemption' arc is for him to accept that there's only one way to atone for causing someone's death - he has to join Catherine. They'll haunt the moors together, forever. (Yes, I get she died post-child birth, mad with fever and in her longing for Heathcliff went out wandering the moors and died. Still his fault and unless he owns that in the "Face the Music" portion of his redemption arc, then redemption never happens.

Someone as self-absorbed as Heathcliff doesn't simply wake up one day deciding to a saint. They're forced - shoved, squashed, extruded through horrifying-to-them circumstances into restitching the fabric of themselves. And for a monster, the fastest way I know is to do to them what they've done to others. That's some major psychological horror, right there. 

Completely different story and a sharp contrast, I know, but think of the movie, Pitch Black. Riddick is presented as a villain. The tagline of the movie is "Fight Evil with Evil." The survivors figure out pretty quickly that their boogeyman, Riddick, is their only hope of survival as something much older and much hungrier wakes. As the story unfolds, if there's one thing those of us watching learn, it's that each survivor must atone for things they've done before they can escape - if they're going to escape. One of the surviving pilots jettisoned pods before the crash, trying desperately to save herself. In doing so, she was killing passengers. In the course of the story, she's driven to change to the point that she's willing to sacrifice her life to save others. That's redemption, even if it doesn't save her life. The best line in the film is when she does sacrifice her life for Riddick's only to have him yell, "Not for me! Not for me." Yeah, look. The movie has been out for so long that if you haven't already seen it, you probably weren't going to anyway.

The moral of my very long story: Redemption doesn't mean HEA. Not necessarily. It just means putting the villain in so much extremity that they have no choice but to change stripes. Then and only then can the story decide what price is required of them. If asking forgiveness is one of the steps on the road to redemption and everyone you'd ask forgiveness is dead because of you - well. Live or die, the future is probably a little dimmed by the weight of those people haunting your villain.

Heroes, Villains—Villains, Heroes

Heroes are memorable. Heroes save the day. Heroes are who we want to be. But what about those villains we love to hate? They're heroes in their own eyes which is why this week we’re asking: 

Which fictional villain would you write a redemption arc for if copyright and trademarks weren’t a thing?

If you love epic fantasy that’s norse inspired, you need to pick up Hall of Smoke by H.M. Long. It speaks of loss, found strength, and honor. Also, there’s axes and gods, and friendships that surprise you—so many good things! 

But what I really loved about this book was Eang, the Goddess of War. Eang is the god that the MC, Hessa, is devoted to. Throughout Hessa’s story, Eang, either in her owl form, formless voice, or goddess shaped, lead and direct Hessa to battle the Old Gods that are waking and wreaking havoc on mankind. 

Old Gods, bad! Eang, good! But wait…the veil is torn from Hessa’s eyes and she sees the souls of her fellow vestiges within her goddess, providing Eang power and prolonged life! Hessa wakes up and [spoiler]. Yeah, that’s right. You’ve gotta read the book to find out what happens between Hessa and Eang. 

I love what H.M. Long did with Hall of Smoke. She took a goddess and her acolyte, pitted them against some seriously powerful beings, and then turned the tables. So, I’m choosing Eang as the villain I’d write a redemption arc for because she’s so incredible, and complex, and she has reasons. We all want villains that have reasons, a purpose, behind their decisions that make them steal/lie/cheat/do evil things. Eang has all of that and more. 

One of the ‘and more’ things is her son, Ogam. Because if I were to write Eang’s story from her point of view, Ogam would have to be part of it and he is a handsome trickster who lands in the grey zone—a little more black and a little more white depending on the situation. Seriously, if I haven’t mentioned that you need to read this book, do so if only to read about Ogam alone! 

Back to the villain. The soul stealer. The vengeful, unrighteous god. Eang would be so much fun to write, to look through her eyes and see the world of small men and the strength she wields to hold it. 

Hannah, I love your writing and your characters! If you ever want to share Eang, I’ll be over here dreaming! If not, I’ll keep scanning the trees for the owl! 

My Favorite Phantom

 I'll be at the Willamette Writers Conference In August! I'll be teaching a workshop and giving manuscript critiques. I'm not sure yet if I'll be in person or online, but I'm hoping for the former!

This week at the SFF Seven, we're discussing which fictional villain we'd totally write a redemption arc for if copyright and trademarks weren't a thing.

You know, I did this once before - although I was in the clear legally, as the original work had just moved into common domain. My villain? The phantom from The Phantom of the Opera. I don't know know that I redeemed him, but - SPOILER - I did ensure that the heroine picked the correct guy! 

My version is called MASTER OF THE OPERA, and is a contemporary, erotic retelling of the old phantom tale as written by Gaston Leroux. I set it at the Santa Fe Opera house, so it has more of a Southwestern mystical vibe than the Parisian opera house of the original stories. I won't post the cover(s) here. There are a number of them, as the book was originally published as a serialized ebook, and so had six different covers. Then it was published in print as a single edition with a different cover. Salient and recent good news: I received word that my publisher plans to put a new cover on the book and repackage it! So, stay tuned for that re-release. I'm super excited to see this new cover and a new bounce for this book and my sexy villain.