So, I’ve had issues with Walgreens before where they would only fill 1 month supply of Mounjaro despite telling me they’re filling 3 months. At that point, I’d transferred my script and gotten a 3-month supply from another pharmacy (my dose was not in shortage at that time).
Just recently, Walgreens tells me they have 3 months supply of Mounjaro in stock but that as of this month, my insurance has decided they will no longer cover 3 months supply and only covers 1 month supply going forward. I have not heard any such announcement from my insurance. I relayed this to Walgreens who tells me my insurance changed my script from 3 months to 1 month when they tried running it.
Does this seem like Walgreens is just making stuff up about my insurance (because wouldn’t insurance be mandated to send a letter or something like that if such a change was being implemented)?

The EXTREMELY detailed, mega-anxiety edition!!! Major events like consult and surgery day are labeled like this:
——— EVENT TITLE ———
Surgeon was Dr. David Whitehead and I saw him on Long Island (New Hyde)
Summarized list of major dates:
Consult: July 19 2023 Mental health letter acquired: August 9 Dates discussed: September 12 Pre-op appointment: December 18 Surgery day: January 8 2024 Post-op: January 17
November 11th 2022: Emailed northwell health for the first time, they emailed back saying to call. I was too anxious so I avoided it for a few months.
Called northwell a few months later but got too anxious talking to the person who picked up. They were being normal and talking normally, it was just personal anxiety on my part.
October 2022 - Early March 2023: Spent time talking to trans friends and family members about their timelines and processes for top surgery.
Looked into Penn medicine for a bit but wasn’t happy with the surgeons there, specifically as a nonbinary person. The patient navigational team however is lovely.
March 2: emailed Penn health patient navigation
March 3-10: correspondence and phone calls w patient navigation (absolutely wonderful people, some of the easiest phone calls I’ve ever had) Got lots of into on surgeons, things I’d need, processes etc.
Date unknown: phone call to Penn medicine asking about surgeons and possibly setting up as a patient (v long wait time on phone) Surgeon I had heard good things about only works w CHOP program and I’m was too old for that program. Other surgeons I was v iffy on.
March 23rd: Back to square 1. Called northwell again to set up an appointment. Everyone I spoke to was really nice. Could have set up an appointment within the week but decided to wait till the end of the semester. Scheduled a trans care and primary care appointment for May
Couple of calls In between for confirmations. Trans care appointment got moved around a bit and ended up being moved to a phone call.
May 8th: Trans care call: Basic preliminary questions like: Emergency contact, what you’re looking for, are you thinking of looking into hormones, experience w dysphoria or dysmorphia, mental health, and eating/nutritional concerns, things you might want doc to know, piercings or tattoos, do you do any drugs or drink often, etc. total call time was about 20 minutes. Doctor was incredibly kind, I still experienced a good deal of anxiety but the call was super easy, welcoming, and friendly. Got sent contact referrals for the surgeons, as well as trans-friendly therapists under my insurance.
May 9th: started looking at list of therapists and making respective emails and calls. Checking per session costs and double checking insurance. Most charge 100-150 per session. Got in contact w one.
May 10th: Called w first therapist talking about what I’m looking for, where I am in this process, if parents are supportive, and talking about costs. She was very friendly and affirming, wants to have a few sessions to get to know me and my situation before writing a letter. Understandable and expected, but frustrating.
May 15th: Primary care appointment: Went to northwell health primary care, parkinglot was a little scary (just a large lot with a lot of cars) but everyone working there’s is super kind. Office is incredibly affirming, pride flags and lgbtq+ art everywhere. Gave my insurance card, filled out some paper work, got called in pretty quickly. I have a needle phobia and medical trauma so I was panicking a bit in the office, nurse was good w me about it and doctor was very kind, I just requested to not have any blood work done that day and that was totally fine, so I could schedule that at a later date and go w a friend. Recommended to get blood work done before scheduling a consult w a surgeon. Also prescribed me a single dose anxiety med for the bloodwork which I was very happy about. I found over time that the anxiety meds unfortunately do little to nothing for my panic attacks personally when it comes to needles but regardless having a doctor acknowledge and respect that fear and listen to me was incredibly helpful and reassuring.
May 30th: Got blood work done in a different lab, went w a friend. Scheduling for that is super easy, I think I did it online actually I don’t entirely recall. they do take walk ins but I made an appointment to minimize complications and make sure I could prepare properly. Front desk/lobby area was a little spooky, but I think that is mainly just bc of my social anxiety. They take a urine sample, you give them your prescription, eventually they call you over for blood work. Quick and easy, tech was v nice and having a friend with me was incredibly helpful. Probably the best I’ve ever done with a needle despite the fact that I did still panic and get very lightheaded lol.
Got blood work results back within the next couple days, all looks a-okay! Neat :)
June 15th This day was incredibly difficult. I had my first session with a therapist to establish some ground knowledge around my dysphoria and the way that I view myself. Top surgery is something that I know from research and related experience Can be difficult and expensive to get and can take time, so much of my prep work has been on the understanding of taking things a step at a time and just knowing that the current way things are doesn’t have to be forever. It allowed me to be able to live with myself while prioritizing my health better. This read to the therapist as “not having the level of dysphoria [she’s] come to expect and look for in someone who is trans” and was largely based off the fact that I don’t want to go on hrt. Past that point I started to break down because now my method of learning to live with myself felt like it was actively going to work against me and prevent me from getting top surgery. I’m not good at talking about my dysphoria, I can’t imagine it’s easy for anyone, especially to a stranger I just met. It was rough, and I felt incredibly mentally drained after ending the session.
June 19th Called it quits with the first therapist, I felt incredibly disrespected and the one session we had put me in a mental spiral for days. It can feel some times in this process like the people you have to get permission from need you to be severely depressed and unable to wait another second for this procedure just in order to take you seriously.
After I left that therapist, I immediately got back to the list to find someone new. Spoke to a new therapist via email, but my insurance is kinda weird (Blue Cross Blue Shield out of state) so its off putting to some people. This therapist recommended I go through the office she started out at (Heart and Soul Counseling)
————- Time Skip ——————
IM BACK its time for some record keeping. Got super overwhelmed and lost the energy to document my process for some time so here goes.
HEART AND SOUL COUNSELING: My experience w/ this therapy office was mostly good. The person in charge, Jesse, was absolutely lovely and responsive. Never spoke in person, but any text/email interaction was prompt, respectful, and kind. The office is stellar with email/text communication, so I only ever had to call them once when I was initially inquiring about the office. This is something I wish all therapy/counseling centers did better, eliminated a ton of my anxiety and hesitation to speak to therapists.
I got set up w someone as quickly as possible and established what my goal was (to acquire letter document for my surgery team). I attended multiple session w the therapist, she was a kind lady but the sessions were unfortunately p miserable for me. We didn’t fit well, but I was willing to stick it out rather than backtrack on my process. She also did not invalidate me or accuse me of not being trans which was a major step up from my first therapy experience. Once I acquired my letter I did stop therapy there, I kindly explained to the therapist that it wasn’t a good match, but I may honestly explore my options at the office in the future. Receptionist there was also lovely and they had a cool fish tank.
———- CONSULT STARTS HERE —————
July 19th: CONSULT!!! My mama and I went to Dr. David Whiteheads office for a consult. Parking was a nightmare so I’m super glad I didn’t have to drive for this one (ty mama). Consult went really well, and the staff were all super friendly. Dr. Whitehead is cool, very chill energy and a bit intimidating, but I’m scared of everyone so that’s nothing new. First question he asked me is what I wanted/what he could do for me which caught me more off guard than it should have? I didn’t realize going into this process how many times people ask you what you’re having done even if it’s already written down, because there’s so much variety in what you can look for in the results.
We talked about the procedure, went through a slideshow n stuff, and discussed how I wanted a flat chest w/ no nipple preservation. They made sure to specify that my mental health professional letter had to include that I did not want nipple preservation because thats technically a “non-standard” appearance. Also had the first breast exam I’ve ever had in my life. Can’t say i’m a fan (not that I need to worry about that anymore!) Took pictures n measurements n such, and also discussed recovery supplies and care w me and my mom.
August 9th: After a plethora of painfully awkward therapy sessions, a decent amount of crying, and a couple breakdowns in friends cars/backyards, I got my therapist letter and sent it to the surgeons office. It ended up needing minor revisions to which I contacted Jesse from Heart and Soul and he got me the revised letter immediately. Unfortunately the surgical coordinator was out of office for the rest of the month the next day ;w;. Is how it be.
September 12th: Got a call from Surgical coordinator mid-painting class that I stepped out to take. Started discussing surgical dates!! She was kind enough to email the dates to me which was lovely because I was absolutely shaking/mind blank haha. There was an option for January 8th which felt like an absolute miracle the way it would work with my school schedule. It would give me a solid two weeks recovery time before spring semester began. Because it would be a couple months out, I was asked to contact her in the second week of October to submit documents to insurance.
(Timeline note: earliest date offered was in early December)
October 10th: Documents sent to insurance, predetermination started
October 30th: Received mail from my insurance approving my procedure as medically necessary (YAY) But! This is also where things get,,, fun! Dr Whitehead’s surgical coordinator, Alyssa, is a blessing and was very helpful and prompt with me despite the fact that I had to email her pretty constantly during this general time which I still feel bad about.
Around this time, my mom got diagnosed with breast cancer, which I reported to the surgical coordinator because it influences my family history (grandmother also had breast cancer). It was asked that I get genetic testing done because this could impact my surgical procedure. Now I’m handling the setup on this between helping my mom in her process setting up consults and considering her options because there of course is a lot of crossover to the steps I’ve already completed and am familiar with.
November 1st: Very kind person at cancer genetics calls me, sends me a family history questionnaire to fill out before I can be scheduled to see a genetic counselor. Filled out the questionnaire the same day.
November 8th: Called cancer genetics to check about scheduling, office was not open so left a message. Got a call back later in the day. I have a virtual appointment with a Genetic counselor Tuesday the 14th. Current plan is a mailed saliva genetic test but I’m going to ask if theres anything I can do to get results/materials quicker. If I can’t get results/feedback by December 8th my surgery date may get deferred.
Trying not to stress too much because there is little to nothing I can do about this, and I just don’t want to be sad. I’ve kept telling myself throughout this process to not get excited and not let myself believe anything is solid because something could happen at any time that might mess up my schedule or plan, and If I convince myself I’m in the clear, those changes will hurt a lot more. So far I think thats been a good move, because this really sucks.
My surgery date is still officially scheduled as of now as well as my first post-op. I will also ideally have pre-surgical testing done December 18th should I be cleared by genetics in time (Fingers crossed!)
ALSO! Def lean on friends if/when you can during this process. It can absolutely be challenging, and having a support system is incredibly important and helpful. I’m super lucky to have really lovely and supportive friends that are around to listen to me and send me pictures of stupid little animals.
November 9th: My mama is scheduled for her double mastectomy on December 4th
November 10th: Did some shopping with my mama for recovery supplies for double mastectomy/top surgery. Having watched a million and a half transition/top surgery videos and tiktoks and having read all the blogs and posts and tweets makes you a great support for someone suddenly faced with an upcoming double mastectomy! We might go shopping this weekend for some button ups and zip ups for her, clothes shopping is better done when you can try stuff on
November 14th: Meeting w genetic counselor: Victoria Webb, one of the loveliest medical care workers I’ve ever met. Had a virtual appointment with her to discuss and set up genetic testing. I explained to her about my situation w the proximity of my surgery and tight deadline as well as my willingness to do a blood test instead of a saliva kit to get results quicker. She was so incredibly kind and good with me, ended up being able to do a saliva kit and get results in time she deserves every good thing in life.
December 18th: pre-surgical testing: This was at the main hospital, everyone was really nice but I had a really bad panic attack despite being on Xanax.
The process is sort of like getting a physical. Measurements like weight and blood pressure get taken, lots of preliminary health questions. The people working with me were really kind and I was very open with them about my anxiety, it was visually apparent though anyway because I started crying the second we even started talking about the blood draw.
Once the equipment was actually brought into the room I started to panic. Both of the women working with me were really kind and helpful and tried to distract me and keep me talking the entire time, but I did still have a really horrible panic attack. Every muscle in my body locked up and I lost all my color, took a bit to get back to a spot where I could move and talk properly because my speech was affected too. It was a bit scary but funny to think about in post. Thanked the medical staff for being patient w me as always, a good portion of the anxiety is also guilt about making things harder for them. Got through it tho. Def eat before presurgical if allowed, I didn’t and that probably didn’t help!!
———- SURGERY DAY ————-
January 8th:
Ok so surgery day:
This day was very scary. Got my phone call the Friday prior for my surgery time which ended up being 1pm and I was asked to arrive around 11. Got there at 10 and went in at 10:30.
Called up to check in then in waiting room till someone brought me back to change. I told her right away about my anxiety with the iv bc that’s legit all I could think about. Got changed right after. I was generally shaky and a little disoriented the entire time because I was panicking but everyone was very patient with me. Clothes and belongings go in a bag in a locker and you get two gowns one that faces back and one that faces front. I was given underwear and a pad as well because lucky me I got my period a couple days before my surgery.
The pre-op area is a lot of little cubicles with curtain divider things, blue soft chairs, and medical equipment. Everyone I met and spoke to was very kind, but any time someone even suggested starting my iv I would panic. I was informed it would have to be placed in my hand and that terrified me, I’m especially anxious and sensitive about my hands and fingers. I think doctors and nurses tend to misunderstand exactly where my fear is with needles and ivs. It isn’t the pain that scares me, but the concept of veins and and anything being in them. Even writing this right now is horrible so I’m going to stop w any further detail. I spent the entire two-ish hours of pre-op absolutely terrified about this iv.
I wasn’t really keeping track of time but dr whitehead came in to do markings for surgery. They had cool rainbow socks on,big fan. Having your chest drawn on and just like, moved around n shit is such an experience. Felt bad because I kept losing my balance but doctor Whitehead is cool and I am 98% less scared about them now.
Probably my most favorite person I met during my entire hospital experience was the anesthesiologist. I know he told me what his name was but I couldn’t focus on or retain information at the time. He told me we could essentially put me to sleep with gas before putting the iv in and for the first time in probably a solid week I felt like I could calm down a little. He took a look at my hand and arm to check my veins which always does freak me out a bit but I’m more used to that kind of thing at this point and I know nothing bad is going to happen. One of the nurses came in with the iv equipment and he let her know that were going to wait till in the or which was also incredibly helpful because I absolutely panicked when I saw that little supply kit again.
V nice lady brought me into the or, I’d never been in one before it was cool. They had a little music speaker which was really cool. Took off blue jacket gown and they helped me onto the table. They put a warm blanket over my legs and my chest to help me calm down. Before long they gave me a mask w fun happy sleepy time gas, they let me keep my arms on my chest for a while which was really nice because I was still scared. I started getting loopy pretty fast but I still heard when someone mentioned where the iv equipment was and panicked a little because of that. I remember feeling them take my hand for that but never actually felt anything happen. Just some fear but the gas was v helpful obvi. Someone said they would see me in a little bit, and then I was groggily waking up in recovery.
Recovery was a little rough bc the iv was still there (fully wrapped up so I couldn’t see it though which was rad) but I was still really anxious about it until it was taken out and when it was taken out. For anyone that struggles w this i did not feel them remove it, just the tape. Everything was mentally much easier after that. After a while, going over instructions w parents, a cracker , some ginger ale and some juice, my dad helped me Get dressed and I was helped out to the car in a wheel chair. Ride was smooth bc of remaining numbness and meds except a few Bumps in the road
TOP SURGERY GOTTEN
My post op date was scheduled for Jan 17th and that’s the day I got my drains out followed by several post op check-ins. First week of recovery was miserable but things exponentially approved each day past that, and I went back to school in person two weeks post-op with driving and item-carrying assistance from friends!
Will upload recovery notes at a later date! Feel free to message me with any questions, more than happy to answer and give info! I’m a bit over four months out from surgery now and thriving 🥳

I'm a freelance writer in England and have recently done a small (maybe 15 hours) job for a very famous high end company (also in England). I got the job through word of mouth and dealt solely with one of the marketing guys. He asked me to send my invoice through, and I did.
I am technically an employee of my husband's company so I charged through that and gave VAT details etc. Then I got an email from the finance department saying they needed to set me up on their payroll as a vendor and raise a PO, and gave me a list of demands.
I'm fine with the T&Cs and the NDA etc but they want things like a Public Liability Insurance certificate even though the contract (that they didn't ask me to fill in until AFTER I'd done the work) says that I only need to provide evidence of Insurance Certificates that are relevant to the work stated. How is Public Liability relevant to copywriting?
My husband is away with work at the moment and as company director, he has all the interaction with our accountants etc so I'm struggling to find the relevant documents. This back and forth has been going on for two months now. Every time I send them what they've asked for, they ask for something else. We've gone through Incorporation Certificate, VAT Certificate, Bank Details on Letter Headed Paper (wtf?), general Insurance documents etc. Is it just that they're hoping I'm going to say, "You know what, it was only £400 - forget it."

Ok bare with me on this one, feel free to call out if this doesn’t make sense or is a daft thought lol a lot to unpack so feel free to only answer what you find useful
What are yall using for SOP Documentation? Word, Excel, Paper etc?
Are SOPs the same or Different from work instructions?
Are SOPs just a tick box exercise for safety and insurance cover?
Anyone ever tried delivering this information to frontline workers via augmented reality? Or interested in the concept? It’s like hands free SOPs with interactive 3D models and videos if needed. Could be useful for training and on the floor
Want to understand the correlation between an SOP and Work instruction first in a manufacturing/Production line sense and how its currently managed

We just became self managed and the real estate attorney on the first home sale did not give us the buyers info like name, email, phone, even though we requested it twice. Is that typical? Also below is a copy of our estoppel letter. Any recommendations on how to insure that lawyers actually print out the Bylaws/CCRs/AOI and give it to buyer at closing. I know they forget sometimes because when I bought my house 24 years ago, they did not have them for me and dumb attorney advised me to sign without reading them. I spent 2 hours reading every other document and didnt' understand what an HOA was when I was 22 years old. . Should we FAX over 32 pages or spend $7 to mail over the documents? I really do not trust them to get it right. Should we withhold the letter until we get buyer info? Afterall the buyer is charged a fee as well so technically we do need their info.
May 10, 2024
RE: Closing Letter & Request for Buyers information.
Thank you for your inquiry. Please give us the buyers name, email and phone number so that we can easily send them future HOA notifications. Below is the closing statement you requested:
Subject Property Address: , Charlotte, NC 28xxx
Association’s Fiscal Year: Jan 1st to Dec 31st.
Association Dues:$90 annually
Next Installment Due Date: August 31st 2024
Next Installment Considered Late: Sept 15, 2024
Late Fees: $20/month Interest on Past Due Amounts:0
Special Assessments Currently Payable: NONE
Current Past Due Amount: as of the date of this letter
Dues are Paid:Annually
Closing Doc Fee due at closing$150 for seller and $100 for the buyer. Total of $250 you can pay online here: xxxxxxx or mail a check to the HOA
Any Legal issuesNone
Any ARC, violations or other issuesnone
Respectfully Submitted,
xxxxxxxxxxxxx
President xxxxxxxxxxxx Homeowners Association Inc.
Please print out these important documents below and give to the buyer at closing:
weblink of docs.

hi all,
ive got my test coming up in a couple days and my instructor has only just told that i need to pay an extra £200 for "driving test insurance" (after almost 5 months of having my test booked), i really believe this is a load of rubbish cos his reasoning is

• wasted business as he cant take any lessons for a few hours from my warmup lesson to driving me back home after my test (was going to happen regardless since he can only do 1 lesson at a time!) and ALSO said he cant let his students drive his car cos the insurance overrides his instructor insurance, thats just tools of the trade not my issue.
• obvious reason of if i get into an accident which is fair but isnt that just covered by his dvsa insurance?

ive spoke to family who learnt from him and they dont remember having to pay this. called a driving school but they said its true but havent been able to get through to an actual dvsa customer service line.
i havent got offical confirmation thats its a scam but i know the short notice forces me to pay cos if i dont he wont let me use the car.
is this standard??

OK, I (World's Laziest Dad!) have a daughter (Apple of My Eye) graduating college (halfway across the country) and she's got her first post college job out East, so she needs a car. First problem is, she doesn't yet have an apartment (she was hoping to have that ironed out before buying the car, but likely won't). We will be paying cash for the car (no loan) so at least that simplifies the car purchase somewhat.
Question #1: For registration purposes, can she put my address (the house she grew up in) even though it's 1000 miles from where we'll buy it and where she'll drive it? Once she does get an apartment, will she then need to do anything like change the registration address?
Question #2: She's always been on my insurance policy (State Farm) which covers my vehicles. Since this will be her first vehicle, should she have her own policy or do I add her vehicle to my policy? Seems like since she'll be so far away it'd be best for her to have her own policy (even if I pay it), that way if she has a claim it doesn't ding me (since she'll be city driving every day, whereas up to now she never has and has only done local suburb type driving).
Question #3: We'll be buying the vehicle somewhere in the Bostonish area (so MA). Anything I need to know about car buying that would differ from what I'm used to (Upper Midwest no-haggle dealers have been where I've bought my last 10+ vehicles)?
Anything I'm missing or not thinking of? I know she'll need to get a driver's license once she gets settled into her apartment (she has one from our state for now though).
Appreciate the help and advice!
GL2U N all U do!

I just dropped off 1k large letters, all with physical stamps covering the cost of postage, at the local depot.
The person on the counter told me I'd need a shipping manifest in future for them to be accepted.
However, when I look into it, I can't find evidence that this is required (or even possible) with stamped parcels.
I don't mind doing it, I just can't find a way of physically producing one?

So I am close to finishing my assiocates paralegal program and my A.A. All I need is my internship, which I'm having trouble finding. All the summer internships that were offered on handshake and other sites that my program director gave are filled or dont meet my requirements. I missed out on submitting my resume due to a competition and family issues. I want to start cold calling firms or hand-out my resume to firms and ask if they are looking for interns, I feel that this would paint me in a negative light and seen as pushy.
Also, some more information
I am currently working part-time as a receptionist at a car dealership and would like to continue working as I do my internship. Got to pay rent and bills somehow
My program director is pretty hands-off and is new to the position. She really hasn't been helpful in advising students beyond giving out the websites and resume/cover letter help.
I haven't seen any posting on handshake or other websites for fall internships
I plan on talking with my schools career success guy, but I'm unsure if he is available in the summertime.
Internship requirements

1. I need 150 hours
   
2. I can only work at a max of 10-15 hours a week. ( This is my program directors suggestion, and also, I would be working part-time and having an 11 credit course load)
   
3. Needs to be a legal internship within a legal setting
   

My main question is, what's the best strategy to finding an internship? And how do I go about finding one?

i've always had fucked up teeth cause my parents couldn't afford to get me braces, or take me to the dentists often. Even now they can't afford it, and my insurance wont cover it.
its something people love to pick on me for :/ everytime i speak i can see the change of expression on peoples faces. i feel so disgusting. it makes it so hard for me to look people in the eye, and talk without mumbling or having my head down. im never going to have a partner, or make new friends because they all notice my teeth.
i have a gap, and all my teeth are crooked and yellow. i feel like i cant blame others for how they react, because my teeth truly are ugly. so i try not to talk at all. i hate that ill have to live like this throughout my school years cause im never going to have people around me ..

Navigating between hiring a digital agency and a freelancer for your business's digital marketing needs can be daunting. Here's a breakdown to help you decide:

1. Expertise and Resources:
   • Digital agencies typically offer a diverse team of specialists covering various aspects of digital marketing, from SEO and social media to content creation and web design.
   • Freelancers may excel in specific areas but might lack the breadth of expertise and resources that agencies can provide.
2. Flexibility and Personalization:
   • Freelancers often offer more flexibility in terms of project scope, timelines, and pricing, making them a suitable option for smaller businesses with specific needs.
   • Digital agencies, on the other hand, offer a one-stop solution with comprehensive services but may have more rigid contracts and pricing structures.
3. Accountability and Communication:
   • Digital agencies typically have established processes and systems in place for project management, ensuring accountability and clear communication throughout the project.
   • Freelancers may offer more direct communication and a personalized approach but might not always have the same level of accountability or backup resources in case of unexpected issues.
4. Budget and ROI:
   • While digital agencies may come with a higher price tag, they often provide a higher level of service and expertise, potentially leading to better long-term results and ROI.
   • Freelancers may offer more competitive rates but may require more oversight and management, potentially impacting the overall efficiency and effectiveness of your digital marketing efforts.

Read full article: https://www.evendigit.com/digital-agency-vs-freelancer-digital-marketing-for-your-business/
Ultimately, the decision between hiring a digital agency or a freelancer boils down to your business's specific needs, budget, and goals. Whether you prioritize expertise, flexibility, or cost-effectiveness, weighing these factors carefully will help you make the right choice for your business's digital marketing strategy.

Gidday from New Zealand, I have a house and rely on border income to help pay the mortgage. Unfortunately a section of the wastewater pipe has collapsed - it is 90 year old earthenware and was full of roots when I bought it a few years back. I had to get the roots cut last year and this year the root cutters turned up for an annual clearing I didn’t confirm and cut the roots out again - there was no issue before they came but a few weeks after, the wastewater started to back up and the contractor came back to check their work and eventually confirmed the wastewater was collapsed to some degree.
I filed an insurance claim and the contractors quoted 10-20k (nz) to fix due no digger access. Since I’m unsure of insurance even covering pipes breaking and have a construction background (civil engineer) I decided to start trenching by hand as I have drainlayer workmates who offered to help connect the pipe if I did the trenching but as I dug down I discovered that my water toby a foot or two off the line of the waste water was also leaking, the leak is on the council side - did not stop when I turned the toby off and the hole I was digging down to the wastewater quickly filled with water.
I’m not entirely sure what to do now as I don’t want to trench down to the WW as I don’t want the hole to fill with water and leave the leaky water connection and the broken wastewater sitting in the same water filled hole.
Apparently the toby is councils responsibility to repair but they are notorious for taking months to do anything and I can’t find the public shutoff down the road.
I have a good relationship with my boarders but they are not close friends, I charge below market rent and lowered it when our new government lowered landlord taxes (unlike literally any other landlord here) but they did ask not to pay rent until the toilet is fixed as they feel they can’t spend all their time in the house - already looking at a large bill so was pretty frustrating to hear, I bought a camping toilet so they had something to use in the meantime but this won’t fly for months.
Keen to hear your thoughts on viability of insurance claims for burst pipes, methodology for Fixing the toby and methodology for safely working around water and waste without cross contaminating them. Cheers

I live in Australia and am asking about the specific process in a clinical setting in Australia. I've had severe chronic pain for 31 years now. I've also been diagnosed with major depressive disorder. I also have anxiety. I've been through a lot of different medications over the years. I was put on Targin 10/5 twice a day, so I could go one something for the depression before attending an amazing pain management clinic twice (5 years apart due to the change in my physical condition) and got a lot out of it both times. I went from a walking frame to only needing crutches when leaving the house. I was on that for 8 years, then started the weaning process as my pain reduced thanks to more effective management. It took me about 3 years to go completely off the Targin. I didn't think that last 2.5mg dose was doing much for me, but I was so wrong. I am just not coping with the pain and my depression has taken a major downturn because I'm cutting things out of my life again to try and cope with it, so all I'm doing is working and sleeping. It feels like I'm going backwards and I don't want to go back on Targin because it took me so long to get off it.
My psychiatrist has just referred me back to my pain management specialist (from the clinics) saying they recommend ketamine infusion. It's been mentioned in the past that this was the next step for me if things didn't stabilise. I haven't seen the pain specialist yet, but I want to know more about the process in Australia. All of my reading has been about the US and more about the mental therapy side of it, not the pain side of it.
Is there anyone who has undergone ketamin treatment in AU who can let me know what to expect? -Psych said it was a 5 day inpatient process. Is that 5 days in hospital, or visiting daily for 5 days for the infusion? -Would I be able to work while undergoing it? (I'm in IT) -Was it helpful for you? (I have nerve pain and inflammation) -How long does it last? Is it something that has to be repeated every year or something? -Do you really "trip"? A lot of people say it, but I don't know what to expect there and it makes me a bit anxious tbh. -Can you claim it on Medicare or private health or do you have to pay the full cost of the drug and anaesthetist? -Any advice on what questions I should ask the pain specialist about during my appointment?
I'd appreciate any advice <3

Owning a bike comes with a sense of freedom and convenience, but it also comes with responsibilities, one of which is ensuring its protection through bike insurance. Bike insurance plans offer various levels of coverage, providing financial security in the event of accidents, theft, or other unforeseen circumstances. In this blog, we’ll delve into the coverage offered under bike insurance plans, along with keywords like “bike insurance near me,” “motorbike quote,” “compare bike insurance policy,” “insurance bike compare,” “which bike insurance is best,” and “bike insurance comparison.”

Understanding Bike Insurance Coverage

1. Third-Party Liability Coverage: Every bike insurance plan includes mandatory third-party liability coverage as per the Motor Vehicles Act. This covers any damages or injuries caused to third parties or their property by your bike.
2. Own Damage Coverage: Own damage coverage is optional but highly recommended. It provides protection against damages to your bike due to accidents, natural calamities like floods or earthquakes, or man-made disasters like vandalism.
3. Personal Accident Cover: Many bike insurance plans offer personal accident cover for the owner-driver, providing financial compensation in case of accidental death or disability while riding the insured bike.
4. Comprehensive Coverage: Comprehensive bike insurance plans offer the most extensive coverage, combining third-party liability, own damage, and personal accident cover. This provides all-round protection for your bike and your financial interests.

Key Features of Bike Insurance Plans

1. Add-On Covers: Bike insurance plans often come with add-on covers that can be customized to suit your specific needs. These may include zero depreciation cover, roadside assistance, engine protection, and more.
2. No Claim Bonus (NCB): Insurers offer a no claim bonus for every claim-free year, reducing your premium amount at the time of policy renewal. This encourages safe riding and responsible behavior.
3. Cashless Claim Settlement: Many bike insurance providers offer cashless claim settlement at network garages, making the claim process hassle-free and convenient for policyholders.
4. Online Policy Renewal: With the advent of digitalization, renewing your bike insurance policy has become quick and easy. Most insurers offer online renewal facilities, allowing you to renew your policy with just a few clicks.

How to Choose the Best Bike Insurance Plan

1. Evaluate Coverage Needs: Assess your coverage requirements based on factors like the type of bike you own, your riding habits, and the level of protection you desire.
2. Compare Policies: Use online comparison tools to compare bike insurance policies from different insurers. Compare premiums, coverage features, add-on options, and claim settlement ratios before making a decision.
3. Read Policy Terms: Carefully read the policy terms and conditions, including exclusions and limitations, to ensure you understand what is covered and what is not.
4. Check Insurer Reputation: Choose a reputable insurance provider with a good track record of claim settlement and customer service. Read reviews and testimonials to gauge customer satisfaction levels.

Conclusion

Bike insurance plans offer essential financial protection for bike owners, covering them against various risks and uncertainties on the road. From mandatory third-party liability coverage to comprehensive policies with extensive benefits, there are options to suit every rider’s needs. By understanding the coverage options, comparing policies, and choosing a reliable insurer, you can ensure your bike and your financial interests are well-protected, providing you with peace of mind every time you hit the road. Remember to conduct thorough research and select the bike insurance plan that best meets your requirements and budget.

It was summer. He needed money to pay for school next year. He decided to get a job. He needed to apply to different places. He first made a resume. He then made a cover letter. He walked around his neighborhood.

Having ChatGPT generate your cover letters is a huge time-saver.

• Feed ChatGPT a copy of your resume.
• Make any updates/changes to your resume that ChatGPT may recommend.
• Once your resume is as accurate and well-written as it can be, you can now use it as a reference point within ChatGPT to base your cover letters off of.

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• Open the ChatGPT thread where your resume is stored.
• “Based on my resume, generate a cover letter for the following role: ”
• Copy/Paste the generated text onto a blank page or document.
• Proofread and amend as needed.
• Paste the cover letter into the job application.

Hope this helps those of us on the hunt.

It was summer. He needed money to pay for school next year. He decided to get a job. He needed to apply to different places. He first made a resume. He then made a cover letter. He walked around his neighborhood.

It was summer. He needed money to pay for school next year. He decided to get a job. He needed to apply to different places. He first made a resume. He then made a cover letter. He walked around his neighborhood.

My dad was deemed at fault for a vehicle accident back in early February 2024.
We filed an insurance claim with our and paid the excess, as our insurance company took care of the whole situation.
We've just received a letter in the mail for court filings regarding being sued for damages and liability by the other party involved. The damages includes: repairs, car hire, towing and solicitor fees.
This was 3 months ago now, so we thought everything was all good until we received the letter today.
What are the steps required to deal with this?

It was summer. He needed money to pay for school next year. He decided to get a job. He needed to apply to different places. He first made a resume. He then made a cover letter. He walked around his neighborhood.