Medical billing and finance intrance exam questions
MCAT - Medical College Admission Test
2011.02.01 09:35 Man_Raptor MCAT - Medical College Admission Test
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2012.07.30 01:04 So many numbers, so little time
Many physicians, mid-level providers, practice managers, administrators, billers and front desk staff members have questions about coding. Today's demand for certified professional coders (CPCs) is growing as many jobs in the coding and billing field now require certification. Health care professionals involved in coding, compliance, billing, administration and reimbursement aspects of medicine should be certified as part of a compliance program.
2024.05.14 22:10 The_OG_Chad A medical / game overhaul to maximize depth/immersion with mostly current code and mechanics. A compromise to bridge “hardcores” + “casuals” and not killing expensive medical ships.
It’s a little scattered doing it on my phone. I’ll get home and clean it up. But I want peoples input. I really think this would work and it’s totally realistic. I think CIG needs some guidance and the medical changes offer the perfect moment to add these features in the game.
I have been a developer for years and I can see CIG trying balance what’s realistic and what they promised. Every startup I was with came to a point where they realized their proposals were far too aggressive, and the higher ups would not even listen to ideas unless they were easy to implement.
So, I’ve been trying to come up with ideas that take minimal effort for maximum gains. These are fairly simple, but will add depth or will lay the groundwork for easy future development.
I think this is the perfect topic for my first idea. The medical system is tricky, but so important. Right now, the medical system is boring and doesn’t add much to the game and with a few tweaks it could add 25% more and be a major part imo while feeling more immersive and satisfying both parties. We need to look to other amazing games like Eve online and cyberpunk imo.
The hard-core fans want investment and death to cost. Now that I am older and have a family, I understand how hard it is to balance that in time to play Now that I am older and have a family, I understand how hard it is to balance that and time to play. It’s really hard to get your average gamer to want to invest 30 minutes to simply respawn.
So in my opinion, we need a system that…
The beauty of this is while it sounds like a lot and would add 25-50% more careers, economys, gameplay and strategy’s from a gameplay perspective. Its actually not much at all from a development point of view. It would reuse all of the current systems now, and add a few skills like scanning / hacking and weapons like EMP, Darts to humans. Generally, this is how it would work.
T5 clone is a meat bag with a 4 hour life used as a spare tire. It’s the base level. Operated similar to when you’re drunk because The damage from the cryo. You can do stuff, but you are very limited. They can be carried around in 1 SCU containers or special lockers in big ships for dangerous work like reactor repairs etc.
T4 clone is a meatbag the same we are inhabiting right now IRL. Basically this is exactly like you turning off the game hud in photo mode. These cannot be cold stored and reused. No HUD or endgame information input at all outside of your Moby glass watch.
T3 clone is the first of the implants. It can take one implant. Combat might allow thermal vision or the local map and radar and crosshair. Exploration might have the ability to bookmark or see things on your HUD that you scanned from your ship. Conversation might add elements to charisma and talking people into doing things, getting better prices on goods, or hearing rumors about opportunities, etc. Covert allow you to scan people and check their inventory and run checks on who they are, what crimes they have committed, etc.
Basically it’s a stripped down version of the hud that’s active all the time even without helmets. It has to work in tandem with your mobi. You have to select one element.
T2 clone has upgraded reflexes, can run longer, survive more dmg and has the complete HUD suite. It has the bandwidth and upgrades to support 1 implant and 1 physical modification. Everything CIG has been adding can be added to the HUD but you have to switch between exploration, combat, conversation, covert etc. 1 physiological mod or weapon. Like a brain hacking chip that can open ship doors, and emp that shut down all electronics in a 20 m radius for 15 seconds or a drone or fiber optics camera. Then there are all the illegal modifications like hidden blades, Multi launchers with everything from neurotoxin to EMP darts.
T1 clone is very costly and made for combat and for solo explorers who need complete autonomy. 20% more hp, and basically 20% better everything. It has the complete HUD with the ability to Connect to the data stream of two ships in your party. If your buddys ship detect an enemy ship coming in it would pop up in your actual vision as a big red square with information. You would have the ability to zoom without a helmet on and have limited scanning just like your ships function on everything.
It could 2 implants. 1 legal and 1 illegal implant. Emp, Hacker etc
It also has two physical modifications. Blades, darts etc
Also the tier 2 and 1 are the only clones that are not harmed using heavy or power armor. The others are slowly harmed by s by the rapid and jarring servos, etc. so they are all time limited.
Imagine how amazing this would make the universe in general. You would have ripper docs implanting stolen, or military implants. Corpses would now be valuable if they had upgraded organs for implants. People would become targets just for their implants.
If you killed an assassin coming after you, you could take his cool tools.
Sometimes corpses could be worth as much as a ship. You could actually ransom back bodies.
You could have a repo men coming to collect the implants. Organ traders and human traffickers.
But it would also make T1 and 2 ships completely necessary in combat because they were the only ones who could rec clone military units.
Best of all. All of this code is already there. All of the heads up display and all these cool features they’ve been adding Would be the implants themselves.
The game the Way it is it doesn’t make sense that a Moby glass can produce all of this data. It makes the game more immersive as well.
It doesn’t have to be over the top like cyberpunk. But we almost have brain implants now and everything is going wireless, you really think in the future they’re gonna be wearing a wristwatch? Everything will be brain implant and wetware.
With these easy changes, we solve our medical problems and add a ton of depth along with the ability to add as much depth as we want.
All you would need is to create the UI for this, but the game already has a lot of that with its biological scanners. All the balancing could happen by biologically if you’re using implants, etc.
Jump clones would cost a lot of money to make, and healthcare in real life is one of the most expensive things. But just like the hospital doesn’t make you pay your bill the moment you’re out of surgery, we need to spread the cost to a later time.
The time the player needs to respawn is usually after they have already planned and loaded up and executed, but didn’t succeed. This is time where casual players set aside their block of playable hours. (when the kids are asleep and wife is watching something etc) So by making it too costly at that moment, ( 30 minutes to an hour, getting geared up and in ship flying back) your odds are they will just quit, which is not engaging for other players and your odds of a major war or event go down drastically. What’s good for the game and what was so successful in Eve was the fights after the opening.
Instead the front loading all the time investment, Charge 5-25k for the biomaterial. spread the cost of the death to a later time and let them pay off their debt when they log back in.
We also want to make the smaller tier 3 ships necessary while not killing the t1 and 2 beds.
submitted by The_OG_Chad to starcitizen [link] [comments]
I have been a developer for years and I can see CIG trying balance what’s realistic and what they promised. Every startup I was with came to a point where they realized their proposals were far too aggressive, and the higher ups would not even listen to ideas unless they were easy to implement.
So, I’ve been trying to come up with ideas that take minimal effort for maximum gains. These are fairly simple, but will add depth or will lay the groundwork for easy future development.
I think this is the perfect topic for my first idea. The medical system is tricky, but so important. Right now, the medical system is boring and doesn’t add much to the game and with a few tweaks it could add 25% more and be a major part imo while feeling more immersive and satisfying both parties. We need to look to other amazing games like Eve online and cyberpunk imo.
The hard-core fans want investment and death to cost. Now that I am older and have a family, I understand how hard it is to balance that in time to play Now that I am older and have a family, I understand how hard it is to balance that and time to play. It’s really hard to get your average gamer to want to invest 30 minutes to simply respawn.
So in my opinion, we need a system that…
- Makes death inconvenient and costly but with several ways to pay the “bill”, not only costly at that moment so the player decides quitting is easier.
- Makes the game far more immersive and makes the game deeper, not shallower. In real life in the future, in the future, medical would be a vast portion of warfare and finance and exploration and exploitation. Not just a glorified HP counter.
- Makes all medical ships useful and relevant. Cannot have a shallow system where one ship is clearly the best.
- Makes healthcare and biology affect all the other parts of the game…. It is our bodies and minds after all. In the future, the wealthy will modify their bodies, just like their ships.
- Uses a lot of these modules that are currently window dressing, but have amazing application. Things like blood pressure and reflex times and damage reduction and bio scanners and the HUD and incorporates it to a tiered clone system.
The beauty of this is while it sounds like a lot and would add 25-50% more careers, economys, gameplay and strategy’s from a gameplay perspective. Its actually not much at all from a development point of view. It would reuse all of the current systems now, and add a few skills like scanning / hacking and weapons like EMP, Darts to humans. Generally, this is how it would work.
T5 clone is a meat bag with a 4 hour life used as a spare tire. It’s the base level. Operated similar to when you’re drunk because The damage from the cryo. You can do stuff, but you are very limited. They can be carried around in 1 SCU containers or special lockers in big ships for dangerous work like reactor repairs etc.
T4 clone is a meatbag the same we are inhabiting right now IRL. Basically this is exactly like you turning off the game hud in photo mode. These cannot be cold stored and reused. No HUD or endgame information input at all outside of your Moby glass watch.
T3 clone is the first of the implants. It can take one implant. Combat might allow thermal vision or the local map and radar and crosshair. Exploration might have the ability to bookmark or see things on your HUD that you scanned from your ship. Conversation might add elements to charisma and talking people into doing things, getting better prices on goods, or hearing rumors about opportunities, etc. Covert allow you to scan people and check their inventory and run checks on who they are, what crimes they have committed, etc.
Basically it’s a stripped down version of the hud that’s active all the time even without helmets. It has to work in tandem with your mobi. You have to select one element.
T2 clone has upgraded reflexes, can run longer, survive more dmg and has the complete HUD suite. It has the bandwidth and upgrades to support 1 implant and 1 physical modification. Everything CIG has been adding can be added to the HUD but you have to switch between exploration, combat, conversation, covert etc. 1 physiological mod or weapon. Like a brain hacking chip that can open ship doors, and emp that shut down all electronics in a 20 m radius for 15 seconds or a drone or fiber optics camera. Then there are all the illegal modifications like hidden blades, Multi launchers with everything from neurotoxin to EMP darts.
T1 clone is very costly and made for combat and for solo explorers who need complete autonomy. 20% more hp, and basically 20% better everything. It has the complete HUD with the ability to Connect to the data stream of two ships in your party. If your buddys ship detect an enemy ship coming in it would pop up in your actual vision as a big red square with information. You would have the ability to zoom without a helmet on and have limited scanning just like your ships function on everything.
It could 2 implants. 1 legal and 1 illegal implant. Emp, Hacker etc
It also has two physical modifications. Blades, darts etc
Also the tier 2 and 1 are the only clones that are not harmed using heavy or power armor. The others are slowly harmed by s by the rapid and jarring servos, etc. so they are all time limited.
Imagine how amazing this would make the universe in general. You would have ripper docs implanting stolen, or military implants. Corpses would now be valuable if they had upgraded organs for implants. People would become targets just for their implants.
If you killed an assassin coming after you, you could take his cool tools.
Sometimes corpses could be worth as much as a ship. You could actually ransom back bodies.
You could have a repo men coming to collect the implants. Organ traders and human traffickers.
But it would also make T1 and 2 ships completely necessary in combat because they were the only ones who could rec clone military units.
Best of all. All of this code is already there. All of the heads up display and all these cool features they’ve been adding Would be the implants themselves.
The game the Way it is it doesn’t make sense that a Moby glass can produce all of this data. It makes the game more immersive as well.
It doesn’t have to be over the top like cyberpunk. But we almost have brain implants now and everything is going wireless, you really think in the future they’re gonna be wearing a wristwatch? Everything will be brain implant and wetware.
With these easy changes, we solve our medical problems and add a ton of depth along with the ability to add as much depth as we want.
All you would need is to create the UI for this, but the game already has a lot of that with its biological scanners. All the balancing could happen by biologically if you’re using implants, etc.
Jump clones would cost a lot of money to make, and healthcare in real life is one of the most expensive things. But just like the hospital doesn’t make you pay your bill the moment you’re out of surgery, we need to spread the cost to a later time.
The time the player needs to respawn is usually after they have already planned and loaded up and executed, but didn’t succeed. This is time where casual players set aside their block of playable hours. (when the kids are asleep and wife is watching something etc) So by making it too costly at that moment, ( 30 minutes to an hour, getting geared up and in ship flying back) your odds are they will just quit, which is not engaging for other players and your odds of a major war or event go down drastically. What’s good for the game and what was so successful in Eve was the fights after the opening.
Instead the front loading all the time investment, Charge 5-25k for the biomaterial. spread the cost of the death to a later time and let them pay off their debt when they log back in.
We also want to make the smaller tier 3 ships necessary while not killing the t1 and 2 beds.
2024.05.14 22:03 FairEnough2 Confused about the Reason for Denials
 | Howdy, I’m a little confused about the reason for some denials. The conditions in question were incurred during a deployment to SW Asia, documented in my medical records, and toxic exposure was conceded based on location and MOS. I didn’t submit a nexus with the conditions, but didn’t think it’d be necessary based on the STRs. These conditions were already deferred and had an ACE exam so the denial is a bummer, but I just want to understand why. submitted by FairEnough2 to VeteransBenefits [link] [comments] I’ve attached screenshots of the decision letter with the denial. To me it reads “you’re diagnosed, it appeared during service, we concede you were exposed to risk that could cause this during service. Denied.” If anyone had any insight I’d definitely appreciate it. |
2024.05.14 21:59 tinkerellabella My (29F) husband (40M) wants to sell our family home. What do I do?
Hi Reddit,
I'm in need of some advice regarding my current marital situation and the potential sale of our home. To give you the full picture, I'll start from the beginning. Apologies for the length, but I feel all the details are necessary to understand the context.
I (29F) met my husband (40M) on Tinder four years ago. We dated for about eight months when my family had an opportunity to purchase a property. My then-boyfriend was also looking to be involved in a business deal of that sort, and he was interested in having his name on the property as well. My father supported this, seeing as how my boyfriend was a physician with a good income, and saw this as a way to bring him closer to our family. The opportunity came quickly, and we all signed the contract to purchase the house.
Trouble began shortly after this. My boyfriend requested that only he and I be on the title of the house, removing the rest of my family, as he saw a future with us and envisioned it as our potential family home. My father was very pleased to hear this and supported it, so we obliged. During this time, the property had increased in value, and I requested the other family members be paid off so we could buy out their shares. My boyfriend declined, feeling it was unfair.
To skim over some details, here are the highlights of the construction: My boyfriend paid more for the down payment than we initially realized would be required. Because of this, he paid no further construction costs. The construction proceeded with debt from my family until the construction loans came through. My family paid for the construction, and my father built the house for us without charging for his management services. My father was displeased with my boyfriend’s behavior and required him to pay more money for the construction due to inflation and the COVID shutdown. My boyfriend declined, and my mother and I secretly took out a line of credit to front the construction costs to my father, pretending it was from my boyfriend. Eventually, as we got the construction loans on a rolling basis after meeting construction milestones, my mother’s line of credit was paid off.
During this time, my family and I wondered why my boyfriend had not proposed. I decided that if he hadn't proposed by a certain time, I would leave him. Fortunately, he did propose on Valentine’s Day 2022. By spring of 2022, construction was coming to an end, and it was time for us to settle into the house. My fiancé felt uncomfortable with how much money he had put into the house and was worried I could leave him and make a profit. I promised him I wouldn’t leave him, but it wasn’t enough. He said he would believe me if I had a child with him, otherwise women would leave men if there were no ties. I told him I would have a child with him right when we got married. He suggested I come off birth control, as it takes months for a woman’s cycle to normalize after being on birth control for many years. I promised him I would come off birth control.
Coming off birth control was more stressful than I realized. I was very hormonal, breaking out, and felt unlike myself. This contributed to my fiancé and I fighting more than usual. In one particularly heated fight, I told him I would go back on birth control and even purchased the pills, but he told me he would break up with me if I did because he wanted to get to know the real me. I conceded, and then something switched in me and I became excited at the possibility of having a baby. I started tracking my cycle and figuring out my ovulation days. I shared this with my fiancé, and on one of those days, we got pregnant. I didn’t find out until the end of summer 2022. When I did find out, I told my fiancé and suggested we should probably get married.
My fiancé's first response was that we should wait to see if the baby sticks, and if it does, then we can plan a marriage but he wanted to wait until February 2023. I was very disappointed and angry and yelled at him. I felt alone and overwhelmed by the thought of having an illegitimate child. After discussing potentially getting an abortion, potentially breaking up, and potentially selling the house, I talked my fiancé into keeping the baby and getting married. He also wanted to keep the baby but was afraid of our situation. After many fights about when to have the wedding, we finally decided on December 2022. At that point, I was four months pregnant. During this time, my fiancé and I had major arguments that therapy couldn’t even remedy. We would yell at each other, slam doors, I would cry, and he would hold himself up in a room for hours. We had nice moments too, but they were heavily clouded over by the bad.
Finally, we got married, and things were good for a while. But then we faced some marital problems. My husband kept separate accounts and managed the finances himself. We had a joint credit card where I could pay for expenses without being questioned. He made all of the major investment decisions and major purchases. If I tried to disagree or speak up, he would get upset because this was not the submissive wife I had promised him I would be. I made significantly less money than him but lived a good lifestyle, buying almost anything I wanted within reason. Coming from a traditional family, I was upset that finances were kept separate. And so it continued that my husband would invest tens of thousands of dollars into our house so that his family from out of town would visit. We live in Vancouver, Canada, but his family is from Ottawa. In hopes of luring his youngest sister (of four) to Vancouver, my husband would make any modification to the house that his youngest sister showed the slightest interest in. This included a hot tub on the rooftop, a media system in the basement, a movie projector, and much more. After said sister got married, she made it clear that she would not move to Vancouver. Then a switch happened in my husband, and he suddenly wanted to sell the house.
Meanwhile, during all this time, I had my baby, and my husband and I were still fighting more than ever. I felt no support from him, and he felt drained by his work, our fights, and being away from his family. Recently, for the past three months, he has been consistently pushing for the sale of our house. This is where my dilemma lies. I am afraid to sell this house because my husband has kept finances separate, and the mortgage on this house has been serving as a way for me to feel secure. My husband contributes a monthly amount on a regular basis. He could have forced a sale in the past but didn’t, instead paying into the monthly mortgage on top of other bills. Now, he is considering forcing the sale of our house, but I am upset that he is citing financing as the issue when I have been begging him to save money instead of spending (his response is that $200,000 does not affect a $2M mortgage, and that he now feels burnt out and wants to retire sooner and live passively). If I agree to sell, I feel unstable about moving from our home given that my husband and I fight so frequently, and I am left alone to take care of the child. It is also worth noting that my parents live right across the street and come over frequently to help with the child, or I would go over to seek their help. My husband says that he feels abandoned and uncomfortable frequently because of our proximity to my parents, but I am because there have been times when I felt truly alone, and my parents were my only solace and support. My husband would ignore me for days, especially when I was postpartum and vulnerable. My parents now see my husband as someone who doesn’t put his wife and child first. My husband says that the massive mortgage we have is too stressful for him, and he can’t take that burden. I am sad that my husband will not consider keeping this house for another three years so that I can get comfortable with the idea of selling the house and that potentially I and my family can all move to Ottawa so that we can allow my husband to be closer to his family.
I don’t know what to do at this point, Reddit. I’m currently on extended maternity leave, but it ends in six months. My husband and I will have to come to an agreement about the house, otherwise, it is likely that he will force the sale of the house even if I’m not ready to move. I’ve consistently felt rushed and overlooked in this relationship. I am tired of being the small voice that does not impact decision-making. My husband is now being nice to me and trying to show me a good time, but I see it as him turning on his charming mode so that I can say yes to the sale of this house. I’m not sure what to do. Our fights and disagreements are so bad and the marriage feels like doom sometimes (never any physical violence). I sometimes questions even staying with him, but I worry for my daughter. He is a good father to her, when he is present and off his phone.
Any advice would be greatly appreciated.
TL;DR:
I need advice. I met my husband four years ago, and we bought a house together with my family's help. Financial disputes caused issues. Despite getting married and having a baby, we fight often. My husband handles our finances separately, spent a lot on the house, but now wants to sell it. I feel insecure about selling because the mortgage is like an investment to me, and also I rely on my parents, who live nearby, for help with our child. My husband feels stressed by the mortgage and feels homesick for his family 3000km away. I feel overlooked in decision-making and am unsure whether to agree to the sale, or to stand my ground and not sell. Sometimes I question staying in the marriage for my daughter’s sake, or is it better give up on this unhappy marriage.
submitted by tinkerellabella to relationship_advice [link] [comments]
I'm in need of some advice regarding my current marital situation and the potential sale of our home. To give you the full picture, I'll start from the beginning. Apologies for the length, but I feel all the details are necessary to understand the context.
I (29F) met my husband (40M) on Tinder four years ago. We dated for about eight months when my family had an opportunity to purchase a property. My then-boyfriend was also looking to be involved in a business deal of that sort, and he was interested in having his name on the property as well. My father supported this, seeing as how my boyfriend was a physician with a good income, and saw this as a way to bring him closer to our family. The opportunity came quickly, and we all signed the contract to purchase the house.
Trouble began shortly after this. My boyfriend requested that only he and I be on the title of the house, removing the rest of my family, as he saw a future with us and envisioned it as our potential family home. My father was very pleased to hear this and supported it, so we obliged. During this time, the property had increased in value, and I requested the other family members be paid off so we could buy out their shares. My boyfriend declined, feeling it was unfair.
To skim over some details, here are the highlights of the construction: My boyfriend paid more for the down payment than we initially realized would be required. Because of this, he paid no further construction costs. The construction proceeded with debt from my family until the construction loans came through. My family paid for the construction, and my father built the house for us without charging for his management services. My father was displeased with my boyfriend’s behavior and required him to pay more money for the construction due to inflation and the COVID shutdown. My boyfriend declined, and my mother and I secretly took out a line of credit to front the construction costs to my father, pretending it was from my boyfriend. Eventually, as we got the construction loans on a rolling basis after meeting construction milestones, my mother’s line of credit was paid off.
During this time, my family and I wondered why my boyfriend had not proposed. I decided that if he hadn't proposed by a certain time, I would leave him. Fortunately, he did propose on Valentine’s Day 2022. By spring of 2022, construction was coming to an end, and it was time for us to settle into the house. My fiancé felt uncomfortable with how much money he had put into the house and was worried I could leave him and make a profit. I promised him I wouldn’t leave him, but it wasn’t enough. He said he would believe me if I had a child with him, otherwise women would leave men if there were no ties. I told him I would have a child with him right when we got married. He suggested I come off birth control, as it takes months for a woman’s cycle to normalize after being on birth control for many years. I promised him I would come off birth control.
Coming off birth control was more stressful than I realized. I was very hormonal, breaking out, and felt unlike myself. This contributed to my fiancé and I fighting more than usual. In one particularly heated fight, I told him I would go back on birth control and even purchased the pills, but he told me he would break up with me if I did because he wanted to get to know the real me. I conceded, and then something switched in me and I became excited at the possibility of having a baby. I started tracking my cycle and figuring out my ovulation days. I shared this with my fiancé, and on one of those days, we got pregnant. I didn’t find out until the end of summer 2022. When I did find out, I told my fiancé and suggested we should probably get married.
My fiancé's first response was that we should wait to see if the baby sticks, and if it does, then we can plan a marriage but he wanted to wait until February 2023. I was very disappointed and angry and yelled at him. I felt alone and overwhelmed by the thought of having an illegitimate child. After discussing potentially getting an abortion, potentially breaking up, and potentially selling the house, I talked my fiancé into keeping the baby and getting married. He also wanted to keep the baby but was afraid of our situation. After many fights about when to have the wedding, we finally decided on December 2022. At that point, I was four months pregnant. During this time, my fiancé and I had major arguments that therapy couldn’t even remedy. We would yell at each other, slam doors, I would cry, and he would hold himself up in a room for hours. We had nice moments too, but they were heavily clouded over by the bad.
Finally, we got married, and things were good for a while. But then we faced some marital problems. My husband kept separate accounts and managed the finances himself. We had a joint credit card where I could pay for expenses without being questioned. He made all of the major investment decisions and major purchases. If I tried to disagree or speak up, he would get upset because this was not the submissive wife I had promised him I would be. I made significantly less money than him but lived a good lifestyle, buying almost anything I wanted within reason. Coming from a traditional family, I was upset that finances were kept separate. And so it continued that my husband would invest tens of thousands of dollars into our house so that his family from out of town would visit. We live in Vancouver, Canada, but his family is from Ottawa. In hopes of luring his youngest sister (of four) to Vancouver, my husband would make any modification to the house that his youngest sister showed the slightest interest in. This included a hot tub on the rooftop, a media system in the basement, a movie projector, and much more. After said sister got married, she made it clear that she would not move to Vancouver. Then a switch happened in my husband, and he suddenly wanted to sell the house.
Meanwhile, during all this time, I had my baby, and my husband and I were still fighting more than ever. I felt no support from him, and he felt drained by his work, our fights, and being away from his family. Recently, for the past three months, he has been consistently pushing for the sale of our house. This is where my dilemma lies. I am afraid to sell this house because my husband has kept finances separate, and the mortgage on this house has been serving as a way for me to feel secure. My husband contributes a monthly amount on a regular basis. He could have forced a sale in the past but didn’t, instead paying into the monthly mortgage on top of other bills. Now, he is considering forcing the sale of our house, but I am upset that he is citing financing as the issue when I have been begging him to save money instead of spending (his response is that $200,000 does not affect a $2M mortgage, and that he now feels burnt out and wants to retire sooner and live passively). If I agree to sell, I feel unstable about moving from our home given that my husband and I fight so frequently, and I am left alone to take care of the child. It is also worth noting that my parents live right across the street and come over frequently to help with the child, or I would go over to seek their help. My husband says that he feels abandoned and uncomfortable frequently because of our proximity to my parents, but I am because there have been times when I felt truly alone, and my parents were my only solace and support. My husband would ignore me for days, especially when I was postpartum and vulnerable. My parents now see my husband as someone who doesn’t put his wife and child first. My husband says that the massive mortgage we have is too stressful for him, and he can’t take that burden. I am sad that my husband will not consider keeping this house for another three years so that I can get comfortable with the idea of selling the house and that potentially I and my family can all move to Ottawa so that we can allow my husband to be closer to his family.
I don’t know what to do at this point, Reddit. I’m currently on extended maternity leave, but it ends in six months. My husband and I will have to come to an agreement about the house, otherwise, it is likely that he will force the sale of the house even if I’m not ready to move. I’ve consistently felt rushed and overlooked in this relationship. I am tired of being the small voice that does not impact decision-making. My husband is now being nice to me and trying to show me a good time, but I see it as him turning on his charming mode so that I can say yes to the sale of this house. I’m not sure what to do. Our fights and disagreements are so bad and the marriage feels like doom sometimes (never any physical violence). I sometimes questions even staying with him, but I worry for my daughter. He is a good father to her, when he is present and off his phone.
Any advice would be greatly appreciated.
TL;DR:
I need advice. I met my husband four years ago, and we bought a house together with my family's help. Financial disputes caused issues. Despite getting married and having a baby, we fight often. My husband handles our finances separately, spent a lot on the house, but now wants to sell it. I feel insecure about selling because the mortgage is like an investment to me, and also I rely on my parents, who live nearby, for help with our child. My husband feels stressed by the mortgage and feels homesick for his family 3000km away. I feel overlooked in decision-making and am unsure whether to agree to the sale, or to stand my ground and not sell. Sometimes I question staying in the marriage for my daughter’s sake, or is it better give up on this unhappy marriage.
2024.05.14 21:46 moodykitty27 29/F desperately seeking advice after ALL-ON 4 implants. PLEASE HELP :(
I'm going to try to keep this short, but also give enough information for analysis and advice. Feb. 20, 2024 I underwent the All-on-4 procedure for my top arch. I'm a 29-year-old female battling with chronic illness my entire life. That, paired with other factors, has caused massive tooth decay in my mouth starting very early. I have some fears regarding dental work related to a bad experience having my wisdom teeth & "12 y/o molars" being removed at 15. But I got over it and sought the treatment. Open and willing to do whatever was needed to get my smile back and be able to eat normally. I've lost over 30 pounds in the last year, and I'm basically malnourished at this point.
I went to an implant clinic local to me and financed a 20k loan for just my top arch. Thats all I can afford right now. This whole experience has been SO traumatic for me.
From being fully awake through the whole process, after I was promised that between the night before meds and morning anxiety medication along with nitrous that I would be totally out. The meds were never called into the pharmacy. I was told me they would only be available the night before for pick up. When they weren't found at any pharmacy in town , I called and their office was closed already. Nobody answered the after-hours line. So I just had to show up at 7am for my procedure without having taken them. I let them know and they told me that the nitrous should still knock me out. Which i believed to be true, past dental work with it would have me knocked out!
But I sobbed and cried and prayed for almost 6 hours while they extracted 14 teeth, it wasn't quick or easy at all, then they placed my implants. 5 of them.
All of my care has been from different providers at the same office. The dentist who I was told would be taking care of my entire process did my numbing shots then left. Someone I didn't know took over. I've never seen her in the office since that day. This has happened almost every follow up.
My pain for the first month was truly unbearable. I work 45 hours a week and they promised me I would be totally fine to work. I wasn't. I did still work without missing a single day, but that was by the grace and strength of God. Also, the demand of my huge loan payment monthly. The gum pain, nerve pain, constant intense throbbing finally subsided less than a month ago. I still get a lot of throbbing at my implant sites, but I continue to hope it's just the osseointegration that I'm feeling.
I went in weekly describing my pain and concerns and was ignored and told 'its normal". They refused to do any scans, check my stitches that never dissolved, I had to nicely demand the remove them after about a month in half because they were all untied and hanging out of my temp but also lodged underneath it.
I have almost ZERO ability to clean in between the acrylic temp and my gums. One side has space the other is smashed into my gums. Totally uneven. It even feels completely unbalanced in my mouth and moves and makes loud clicking noises. I've timed the amount of time I am cleaning and water flossing in a single day and it typically is about an hour total. Yet my mouth tastes terrible all the time. I can feel food lodged between that I'm not able to get out. I've told the dentist this every single time and I'm ignored.
I have so many questions and concerns regarding this whole experience, but most importantly is this:
Next week I start getting fitted for my permanent teeth. I feel so insecure in my knowledge of how this is supposed to look, fit, and feel. I dont know how to properly advocate for myself and care. I always trust the experts. I'm not a dentist, they are. But I dont trust mine. He has mislead me on many things, gets angry if I say i don't want or like something. For example my current and only temp just simply doesn't fit. It looks ridiculous. I'm not the only person wo has expressed this. My entire family has said the same things. But he refused to even discuss a differnt temp that I have had to wear for months. I explained it not even the aesthetic that I can't deal with its the fit and feel. He was clearly annoyed and told me he's not making another. Mind you he prints these in office with a 3d printer. When I had something almost pertruding through my gums in the front of an implant site he wouldn't do a scan. They finally agreed to do it at my next appointment, only because it's time anyway since this would be my first scheduled "pre op" appointment. If I hadn't been there by request weekly the first two months this would've been the only time I was seen or checked in this whole process.
My screws have fallen out and been replaced. Each time this happened I asked if they would please just check underneath for trapped food and I was told No every time. With no explanation. Is this normal?!!? I truly don't know. But it doesn't feel normal or right. I paid 20k for this. I feel like I've been scammed in way.
If anyone at all could give me ANY info or advice I would be so grateful. I can elaborate more on anything needed I just don't want to ramble and complain. I just wanted my smile back and the ability to eat. Im down to 94 pounds. Eating is barely possible. They didn't tell me anything about my diet restrictions until after the implants were in. I totally get why it would be soft foods only, but I don't understand why they wouldn't tell me things like this at my consult. It's one of the many things that I feel was ignored and left out when discussing this treatment option for me.
One final thing. While adjusting my bite one day he was filing down the implants in the back. I must note that my bottom teeth aren't in great condition but I'm taking great care of them until I can afford to have them done as well. Without any warning the dentist started filing down MY natural bottom teeth. Not just a little, noticeably even to the eye. I made many noises and waved my hands trying to get him to stop. He continued until I got loud and was pulling my head away. He removed he his hands from my mouth clearly annoyed with me. I asked "are you filing my bottom teeth?!?!' His response- "they're bad anyway". He knows that i can't afford to fix them right now. We discussed this many times. Needless to say, I left in a complete panic attack. Why was that necessary?? Or even an option to him. I now understand dental work and standards are different all over the world. I had zero issues with the ethnicity of who provided my care. But after further research I've seen many things about dental work in India and how brutal it can be. I'm truly don't mean this in a bad way. It's just what I've read in my many hours of research on the topic.
Dentists, assistants, anyone with knowledge or experience. PLEASE any info would be so helpful to me.
Please and thank you again. Sorry for the long post. This truly is the abridged version of this story sadly. I'm just read for this to be over. But I just need the results to be worth the 20k and the trauma.
submitted by moodykitty27 to Dentalimplant [link] [comments]
I went to an implant clinic local to me and financed a 20k loan for just my top arch. Thats all I can afford right now. This whole experience has been SO traumatic for me.
From being fully awake through the whole process, after I was promised that between the night before meds and morning anxiety medication along with nitrous that I would be totally out. The meds were never called into the pharmacy. I was told me they would only be available the night before for pick up. When they weren't found at any pharmacy in town , I called and their office was closed already. Nobody answered the after-hours line. So I just had to show up at 7am for my procedure without having taken them. I let them know and they told me that the nitrous should still knock me out. Which i believed to be true, past dental work with it would have me knocked out!
But I sobbed and cried and prayed for almost 6 hours while they extracted 14 teeth, it wasn't quick or easy at all, then they placed my implants. 5 of them.
All of my care has been from different providers at the same office. The dentist who I was told would be taking care of my entire process did my numbing shots then left. Someone I didn't know took over. I've never seen her in the office since that day. This has happened almost every follow up.
My pain for the first month was truly unbearable. I work 45 hours a week and they promised me I would be totally fine to work. I wasn't. I did still work without missing a single day, but that was by the grace and strength of God. Also, the demand of my huge loan payment monthly. The gum pain, nerve pain, constant intense throbbing finally subsided less than a month ago. I still get a lot of throbbing at my implant sites, but I continue to hope it's just the osseointegration that I'm feeling.
I went in weekly describing my pain and concerns and was ignored and told 'its normal". They refused to do any scans, check my stitches that never dissolved, I had to nicely demand the remove them after about a month in half because they were all untied and hanging out of my temp but also lodged underneath it.
I have almost ZERO ability to clean in between the acrylic temp and my gums. One side has space the other is smashed into my gums. Totally uneven. It even feels completely unbalanced in my mouth and moves and makes loud clicking noises. I've timed the amount of time I am cleaning and water flossing in a single day and it typically is about an hour total. Yet my mouth tastes terrible all the time. I can feel food lodged between that I'm not able to get out. I've told the dentist this every single time and I'm ignored.
I have so many questions and concerns regarding this whole experience, but most importantly is this:
Next week I start getting fitted for my permanent teeth. I feel so insecure in my knowledge of how this is supposed to look, fit, and feel. I dont know how to properly advocate for myself and care. I always trust the experts. I'm not a dentist, they are. But I dont trust mine. He has mislead me on many things, gets angry if I say i don't want or like something. For example my current and only temp just simply doesn't fit. It looks ridiculous. I'm not the only person wo has expressed this. My entire family has said the same things. But he refused to even discuss a differnt temp that I have had to wear for months. I explained it not even the aesthetic that I can't deal with its the fit and feel. He was clearly annoyed and told me he's not making another. Mind you he prints these in office with a 3d printer. When I had something almost pertruding through my gums in the front of an implant site he wouldn't do a scan. They finally agreed to do it at my next appointment, only because it's time anyway since this would be my first scheduled "pre op" appointment. If I hadn't been there by request weekly the first two months this would've been the only time I was seen or checked in this whole process.
My screws have fallen out and been replaced. Each time this happened I asked if they would please just check underneath for trapped food and I was told No every time. With no explanation. Is this normal?!!? I truly don't know. But it doesn't feel normal or right. I paid 20k for this. I feel like I've been scammed in way.
If anyone at all could give me ANY info or advice I would be so grateful. I can elaborate more on anything needed I just don't want to ramble and complain. I just wanted my smile back and the ability to eat. Im down to 94 pounds. Eating is barely possible. They didn't tell me anything about my diet restrictions until after the implants were in. I totally get why it would be soft foods only, but I don't understand why they wouldn't tell me things like this at my consult. It's one of the many things that I feel was ignored and left out when discussing this treatment option for me.
One final thing. While adjusting my bite one day he was filing down the implants in the back. I must note that my bottom teeth aren't in great condition but I'm taking great care of them until I can afford to have them done as well. Without any warning the dentist started filing down MY natural bottom teeth. Not just a little, noticeably even to the eye. I made many noises and waved my hands trying to get him to stop. He continued until I got loud and was pulling my head away. He removed he his hands from my mouth clearly annoyed with me. I asked "are you filing my bottom teeth?!?!' His response- "they're bad anyway". He knows that i can't afford to fix them right now. We discussed this many times. Needless to say, I left in a complete panic attack. Why was that necessary?? Or even an option to him. I now understand dental work and standards are different all over the world. I had zero issues with the ethnicity of who provided my care. But after further research I've seen many things about dental work in India and how brutal it can be. I'm truly don't mean this in a bad way. It's just what I've read in my many hours of research on the topic.
Dentists, assistants, anyone with knowledge or experience. PLEASE any info would be so helpful to me.
Please and thank you again. Sorry for the long post. This truly is the abridged version of this story sadly. I'm just read for this to be over. But I just need the results to be worth the 20k and the trauma.
2024.05.14 21:45 nugget969696 Financial anxiety at 26. What can I do to better my situation?
I know my situation could be much worse, but I feel like I’m behind my other college grad friends in terms of my finances and want some opinions.
I decided to go back to school immediately after my first bachelors degree to become a nurse. I don’t regret my change in career and LOVE my job, but this took my college debt from $30k to $72k.😭 After finishing nursing school in 2021 at the age of 23, I stayed living at home for a little over a year to save up a nest egg while my loan payments were paused. I saved $15k before moving out. Since moving out ~18 months ago, I’ve only managed to save another $5k, but I’ve allowed myself to travel and don’t regret that either. It was something I wanted to do while I was young.
Long story short, I went from living in a 3 bedroom apartment paying $1500 a month to a 1 bedroom apartment paying $2200 a month. I’ve increased my income a lot with side jobs to accomadate for this, but I have endless guilt for spending this much on rent. Granted, I didn’t have the option to move home (my dad was really sick at the time my last lease ended and my mom couldn’t deal with anymore stress) and I had no other valid options for roommates.
I make about $105k-110k in a HCOL area. Right now I’ve been clearing between $5700 and $7000 a month after tax, retirement contributions and health insurance. I only contribute 4% and my company matches 2% to my 403b. I plan to increase this once my student loans are paid off. I have some sort of pension through my hospital that I also need to look into.
My minimum monthly expenses are $3700 total for rent, car payment ($7000 left with a 0% interest private loan from dad), student loans and other bills.
My loans have between a 3 and 7% interest rate. I’ve been paying them on the standard plan and then throwing a few hundred extra a month toward the highest interest loans and then putting a few hundred into savings.
My questions are: Should I be satisfied with my $20k nest egg and stop adding to my savings for now so I can more aggressively pay down my loans?
Where should I put my savings to earn the most for my money? HYSA or CDs?
Am I terribly behind financially? Im hoping I can move home after this lease now that my dad is healthy again or maybe move in with my boyfriend to save money.
I just feel so overwhelmed right now. How does anyone afford a house, wedding, kids with student loans and this economy?
submitted by nugget969696 to personalfinance [link] [comments]
I decided to go back to school immediately after my first bachelors degree to become a nurse. I don’t regret my change in career and LOVE my job, but this took my college debt from $30k to $72k.😭 After finishing nursing school in 2021 at the age of 23, I stayed living at home for a little over a year to save up a nest egg while my loan payments were paused. I saved $15k before moving out. Since moving out ~18 months ago, I’ve only managed to save another $5k, but I’ve allowed myself to travel and don’t regret that either. It was something I wanted to do while I was young.
Long story short, I went from living in a 3 bedroom apartment paying $1500 a month to a 1 bedroom apartment paying $2200 a month. I’ve increased my income a lot with side jobs to accomadate for this, but I have endless guilt for spending this much on rent. Granted, I didn’t have the option to move home (my dad was really sick at the time my last lease ended and my mom couldn’t deal with anymore stress) and I had no other valid options for roommates.
I make about $105k-110k in a HCOL area. Right now I’ve been clearing between $5700 and $7000 a month after tax, retirement contributions and health insurance. I only contribute 4% and my company matches 2% to my 403b. I plan to increase this once my student loans are paid off. I have some sort of pension through my hospital that I also need to look into.
My minimum monthly expenses are $3700 total for rent, car payment ($7000 left with a 0% interest private loan from dad), student loans and other bills.
My loans have between a 3 and 7% interest rate. I’ve been paying them on the standard plan and then throwing a few hundred extra a month toward the highest interest loans and then putting a few hundred into savings.
My questions are: Should I be satisfied with my $20k nest egg and stop adding to my savings for now so I can more aggressively pay down my loans?
Where should I put my savings to earn the most for my money? HYSA or CDs?
Am I terribly behind financially? Im hoping I can move home after this lease now that my dad is healthy again or maybe move in with my boyfriend to save money.
I just feel so overwhelmed right now. How does anyone afford a house, wedding, kids with student loans and this economy?
2024.05.14 21:43 moodykitty27 29/F desperately seeking advice after ALL-ON 4 implants. PLEASE HELP :(
I'm going to try to keep this short, but also give enough information for analysis and advice. Feb. 20, 2024 I underwent the All-on-4 procedure for my top arch. I'm a 29-year-old female battling with chronic illness my entire life. That, paired with other factors, has caused massive tooth decay in my mouth starting very early. I have some fears regarding dental work related to a bad experience having my wisdom teeth & "12 y/o molars" being removed at 15. But I got over it and sought the treatment. Open and willing to do whatever was needed to get my smile back and be able to eat normally. I've lost over 30 pounds in the last year, and I'm basically malnourished at this point.
I went to an implant clinic local to me and financed a 20k loan for just my top arch. Thats all I can afford right now. This whole experience has been SO traumatic for me.
From being fully awake through the whole process, after I was promised that between the night before meds and morning anxiety medication along with nitrous that I would be totally out. The meds were never called into the pharmacy. I was told me they would only be available the night before for pick up. When they weren't found at any pharmacy in town , I called and their office was closed already. Nobody answered the after-hours line. So I just had to show up at 7am for my procedure without having taken them. I let them know and they told me that the nitrous should still knock me out. Which i believed to be true, past dental work with it would have me knocked out!
But I sobbed and cried and prayed for almost 6 hours while they extracted 14 teeth, it wasn't quick or easy at all, then they placed my implants. 5 of them.
All of my care has been from different providers at the same office. The dentist who I was told would be taking care of my entire process did my numbing shots then left. Someone I didn't know took over. I've never seen her in the office since that day. This has happened almost every follow up.
My pain for the first month was truly unbearable. I work 45 hours a week and they promised me I would be totally fine to work. I wasn't. I did still work without missing a single day, but that was by the grace and strength of God. Also, the demand of my huge loan payment monthy. The gum pain, nerve pain, constant intense throbbing finally subsided less than a month ago. I still get a lot of throbbing at my implant sites, but I continue to hope it's just the osseointegration that I'm feeling.
I went in weekly describing my pain and concerns and was ignored and told 'its normal". They refused to do any scans, check my stitches that never dissolved, I had to nicely demand the remove them after about a month in half because they were all untied and hanging out of my temp but also lodged underneath it.
I have almost ZERO ability to clean in between the acrylic temp and my gums. One side has space the other is smashed into my gums. Totally uneven. It even feels completely unbalanced in my mouth and moves and makes loud clicking noises. I've timed the amount of time I am cleaning and water flossing in a single day and it typically is about an hour total. Yet my mouth tastes terrible all the time. I can feel food lodged between that I'm not able to get out. I've told the dentist this every single time and I'm ignored.
I have so many questions and concerns regarding this whole experience, but most importantly is this:
Next week I start gettting fitted for my permanent teeth. I feel so insecure in my knowledge of how this is supposed to look, fit, and feel. I dont know how to properly advocate for myself and care. I always trust the experts. I'm not a dentist, they are. But I dont trust mine. He has mislead me on many things, gets angry if I say i don't want or like something. For example my current and only temp just simply doesn't fit. It looks ridiculous. I'm not the only person wo has expressed this. My entire family has said the same things. But he refused to even discuss a differnt temp that I have had to wear for months. I explained it not even the aesthetic that I can't deal with its the fit and feel. He was clearly annoyed and told me he's not making another. Mind you he prints these in office with a 3d printer. When I had something almost pertruding through my gums in the front of an implant site he wouldn't do a scan. They finally agreed to do it at my next appointment, only because it's time anyway since this would be my first scheduled "pre op" appointment. If I hadn't been there by request weekly the first two months this would've been the only time I was seen or checked in this whole process.
My screws have fallen out and been replaced. Each time this happened I asked if they would please just check underneath for trapped food and I was told No every time. With no explanation. Is this normal?!!? I truly don't know. But it doesn't feel normal or right. I paid 20k for this. I feel like I've been scammed in way.
If anyone at all could give me ANY info or advice I would be so grateful. I can elaborate more on anything needed I just don't want to ramble and complain. I just wanted my smile back and the ability to eat. Im down to 94 pounds. Eating is barely possible. They didn't tell me anything about my diet restrictions until after the implants were in. I totally get why it would be soft foods only, but I don't understand why they wouldn't tell me things like this at my consult. It's one of the many things that I feel was ignored and left out when discussing this treatment option for me.
One final thing. While adjusting my bite one day he was filing down the implants in the back. I must note that my bottom teeth aren't in great condition but I'm taking great care of them until I can afford to have them done as well. Without any warning the dentist starting filling down MY natural bottom teeth. Not just a little, noticiably even to they eye. I made many noises and waved my hands trying to get him to stop. He continued until I got loud and was pulling my head away. He removed he his hands from my mouth clearly annoyed with me. I asked "are you filing my bottom teeth?!?!' His response- "they're bad anyway". He knows that i can't afford to fix them right now. We discussed this many times. Needless to say, I left in a complete panic attack. Why was that necessary?? Or even an option to him. I now understand dental work and standards are different all over the world. I had zero issues with the ethnicity of who provided my care. But after further research I've seen many things about dental work in India and how brutal it can be. I'm truly don't mean this in a bad way. It's just what I've read in my many hours of research on the topic.
Dentists, assistants, anyone with knowledge or experience. PLEASE any info would be so helpful to me.
Please and thank you again. Sorry for the long post. This truly is the abridged version of this story sadly. I'm just read for this to be over. But I just need the results to be worth the 20k and the trauma.
submitted by moodykitty27 to Teethcare [link] [comments]
I went to an implant clinic local to me and financed a 20k loan for just my top arch. Thats all I can afford right now. This whole experience has been SO traumatic for me.
From being fully awake through the whole process, after I was promised that between the night before meds and morning anxiety medication along with nitrous that I would be totally out. The meds were never called into the pharmacy. I was told me they would only be available the night before for pick up. When they weren't found at any pharmacy in town , I called and their office was closed already. Nobody answered the after-hours line. So I just had to show up at 7am for my procedure without having taken them. I let them know and they told me that the nitrous should still knock me out. Which i believed to be true, past dental work with it would have me knocked out!
But I sobbed and cried and prayed for almost 6 hours while they extracted 14 teeth, it wasn't quick or easy at all, then they placed my implants. 5 of them.
All of my care has been from different providers at the same office. The dentist who I was told would be taking care of my entire process did my numbing shots then left. Someone I didn't know took over. I've never seen her in the office since that day. This has happened almost every follow up.
My pain for the first month was truly unbearable. I work 45 hours a week and they promised me I would be totally fine to work. I wasn't. I did still work without missing a single day, but that was by the grace and strength of God. Also, the demand of my huge loan payment monthy. The gum pain, nerve pain, constant intense throbbing finally subsided less than a month ago. I still get a lot of throbbing at my implant sites, but I continue to hope it's just the osseointegration that I'm feeling.
I went in weekly describing my pain and concerns and was ignored and told 'its normal". They refused to do any scans, check my stitches that never dissolved, I had to nicely demand the remove them after about a month in half because they were all untied and hanging out of my temp but also lodged underneath it.
I have almost ZERO ability to clean in between the acrylic temp and my gums. One side has space the other is smashed into my gums. Totally uneven. It even feels completely unbalanced in my mouth and moves and makes loud clicking noises. I've timed the amount of time I am cleaning and water flossing in a single day and it typically is about an hour total. Yet my mouth tastes terrible all the time. I can feel food lodged between that I'm not able to get out. I've told the dentist this every single time and I'm ignored.
I have so many questions and concerns regarding this whole experience, but most importantly is this:
Next week I start gettting fitted for my permanent teeth. I feel so insecure in my knowledge of how this is supposed to look, fit, and feel. I dont know how to properly advocate for myself and care. I always trust the experts. I'm not a dentist, they are. But I dont trust mine. He has mislead me on many things, gets angry if I say i don't want or like something. For example my current and only temp just simply doesn't fit. It looks ridiculous. I'm not the only person wo has expressed this. My entire family has said the same things. But he refused to even discuss a differnt temp that I have had to wear for months. I explained it not even the aesthetic that I can't deal with its the fit and feel. He was clearly annoyed and told me he's not making another. Mind you he prints these in office with a 3d printer. When I had something almost pertruding through my gums in the front of an implant site he wouldn't do a scan. They finally agreed to do it at my next appointment, only because it's time anyway since this would be my first scheduled "pre op" appointment. If I hadn't been there by request weekly the first two months this would've been the only time I was seen or checked in this whole process.
My screws have fallen out and been replaced. Each time this happened I asked if they would please just check underneath for trapped food and I was told No every time. With no explanation. Is this normal?!!? I truly don't know. But it doesn't feel normal or right. I paid 20k for this. I feel like I've been scammed in way.
If anyone at all could give me ANY info or advice I would be so grateful. I can elaborate more on anything needed I just don't want to ramble and complain. I just wanted my smile back and the ability to eat. Im down to 94 pounds. Eating is barely possible. They didn't tell me anything about my diet restrictions until after the implants were in. I totally get why it would be soft foods only, but I don't understand why they wouldn't tell me things like this at my consult. It's one of the many things that I feel was ignored and left out when discussing this treatment option for me.
One final thing. While adjusting my bite one day he was filing down the implants in the back. I must note that my bottom teeth aren't in great condition but I'm taking great care of them until I can afford to have them done as well. Without any warning the dentist starting filling down MY natural bottom teeth. Not just a little, noticiably even to they eye. I made many noises and waved my hands trying to get him to stop. He continued until I got loud and was pulling my head away. He removed he his hands from my mouth clearly annoyed with me. I asked "are you filing my bottom teeth?!?!' His response- "they're bad anyway". He knows that i can't afford to fix them right now. We discussed this many times. Needless to say, I left in a complete panic attack. Why was that necessary?? Or even an option to him. I now understand dental work and standards are different all over the world. I had zero issues with the ethnicity of who provided my care. But after further research I've seen many things about dental work in India and how brutal it can be. I'm truly don't mean this in a bad way. It's just what I've read in my many hours of research on the topic.
Dentists, assistants, anyone with knowledge or experience. PLEASE any info would be so helpful to me.
Please and thank you again. Sorry for the long post. This truly is the abridged version of this story sadly. I'm just read for this to be over. But I just need the results to be worth the 20k and the trauma.
2024.05.14 21:40 HRJafael Rowe voters back park addition, two-town fire district
https://archive.is/gR1E0
Residents voted in favor of a non-binding resolution to create a shared fire district with Charlemont, to use a portion of town land on Pond Road for park and recreational purposes, and to change the town clerk position from elected to appointed during Monday’s Annual Town Meeting.
Roughly 25 residents gathered at Rowe Elementary School for a roughly one-hour-long Annual Town Meeting that followed a three-article Special Town Meeting.
Residents approved most of the 27 warrant articles, including the town’s roughly $5.29 million fiscal year 2025 budget (Article 7), unanimously without discussion. Residents also approved a residential property tax increase from $5.01 per $1,000 valuation to $5.29 per $1,000 valuation while the town completes the second year of a $1.85 million road resurfacing project.
Article 21, which asked voters to designate an approximately 2-acre wooded parcel of town-owned on Pond Road for park purposes, inspired discussion, with some residents suggesting the land be left as it is, or approved for park purposes under the condition that the town add language protecting residents’ right to hunt on the land.
Resident Fred Williams said since the parcel was set up to be designated parkland in accordance with the “Percy Brown covenant,” or the use restrictions established for the Pelham Lake Park land donated to the town by Percy Brown, hunting would likely not be permitted there.
“There’s one in the language either in the deed or the language of the vote in the Town Meeting has ‘parcels acquired for park purposes,’” Williams explained. “If the sentiment is strong enough [we can] change the wording to allow hunting on this little 2-acre parcel.”
Residents voted to strike references to the covenant from Article 21 before passing it unanimously.
Voters later passed Article 24 unanimously, allowing the town to pursue a shared fire district with the town of Charlemont and to establish a district-wide Prudential Committee to expend the funds approved by district meetings.
According to a statement provided by the Rowe Fire Department, the district would help the two towns combine firefighting equipment and staffing resources to provide better mutual aid services. Rowe Fire also noted that the district’s creation would take about four years after the article’s passage.
“These changes are going to require a huge increase in administration time, record keeping, modifications to current stations, medical physicals for responders, certification for firefighters and officers along with what we are currently burdened with,” the Fire Department stated.
After discussion, residents also passed Articles 22 and 23 to amend the town’s general bylaws, making the town clerk position a Selectboard-appointed position, rather than its current status as an elected position. According to Selectboard Chair Chuck Sokol, the change is intended to allow the town to promptly fill the position in the event of a sudden resignation or if the town clerk is not satisfactorily performing required duties.
“We have been very fortunate in that the last several town clerks we’ve had are effective at their role,” Sokol said. “That’s not necessarily always the case and when there is an elected position that is derelict in their duties, which are very important duties, the mechanism to remove or replace that official is through a recall election.”
In response to resident Bill Reardon’s concern that the power of elections should be left to residents, and not local government bodies, Finance Committee Chair Dan Pallotta noted that an elected official could, in theory, be absent for three years and remain on the town’s payroll.
“It’s a modern world now and we need checks and balances, unfortunately,” Pallotta said. Monday’s meeting concluded with the announcement that after roughly seven years serving on the Selectboard, Sokol will not seek reelection in Saturday’s town election. In an interview, Sokol said he will soon be moving to Braintree. Bill Baker, who formerly owned Baker Office Supply in Greenfield, will run for Sokol’s position through a write-in campaign.
“The town of Rowe is a delightful town and is well supported by its community,” Sokol said. “It’s been a pleasure to serve on the Selectboard. I felt very supported in that role, but life takes different turns and it was time for a change.”
submitted by HRJafael to FranklinCountyMA [link] [comments]
Residents voted in favor of a non-binding resolution to create a shared fire district with Charlemont, to use a portion of town land on Pond Road for park and recreational purposes, and to change the town clerk position from elected to appointed during Monday’s Annual Town Meeting.
Roughly 25 residents gathered at Rowe Elementary School for a roughly one-hour-long Annual Town Meeting that followed a three-article Special Town Meeting.
Residents approved most of the 27 warrant articles, including the town’s roughly $5.29 million fiscal year 2025 budget (Article 7), unanimously without discussion. Residents also approved a residential property tax increase from $5.01 per $1,000 valuation to $5.29 per $1,000 valuation while the town completes the second year of a $1.85 million road resurfacing project.
Article 21, which asked voters to designate an approximately 2-acre wooded parcel of town-owned on Pond Road for park purposes, inspired discussion, with some residents suggesting the land be left as it is, or approved for park purposes under the condition that the town add language protecting residents’ right to hunt on the land.
Resident Fred Williams said since the parcel was set up to be designated parkland in accordance with the “Percy Brown covenant,” or the use restrictions established for the Pelham Lake Park land donated to the town by Percy Brown, hunting would likely not be permitted there.
“There’s one in the language either in the deed or the language of the vote in the Town Meeting has ‘parcels acquired for park purposes,’” Williams explained. “If the sentiment is strong enough [we can] change the wording to allow hunting on this little 2-acre parcel.”
Residents voted to strike references to the covenant from Article 21 before passing it unanimously.
Voters later passed Article 24 unanimously, allowing the town to pursue a shared fire district with the town of Charlemont and to establish a district-wide Prudential Committee to expend the funds approved by district meetings.
According to a statement provided by the Rowe Fire Department, the district would help the two towns combine firefighting equipment and staffing resources to provide better mutual aid services. Rowe Fire also noted that the district’s creation would take about four years after the article’s passage.
“These changes are going to require a huge increase in administration time, record keeping, modifications to current stations, medical physicals for responders, certification for firefighters and officers along with what we are currently burdened with,” the Fire Department stated.
After discussion, residents also passed Articles 22 and 23 to amend the town’s general bylaws, making the town clerk position a Selectboard-appointed position, rather than its current status as an elected position. According to Selectboard Chair Chuck Sokol, the change is intended to allow the town to promptly fill the position in the event of a sudden resignation or if the town clerk is not satisfactorily performing required duties.
“We have been very fortunate in that the last several town clerks we’ve had are effective at their role,” Sokol said. “That’s not necessarily always the case and when there is an elected position that is derelict in their duties, which are very important duties, the mechanism to remove or replace that official is through a recall election.”
In response to resident Bill Reardon’s concern that the power of elections should be left to residents, and not local government bodies, Finance Committee Chair Dan Pallotta noted that an elected official could, in theory, be absent for three years and remain on the town’s payroll.
“It’s a modern world now and we need checks and balances, unfortunately,” Pallotta said. Monday’s meeting concluded with the announcement that after roughly seven years serving on the Selectboard, Sokol will not seek reelection in Saturday’s town election. In an interview, Sokol said he will soon be moving to Braintree. Bill Baker, who formerly owned Baker Office Supply in Greenfield, will run for Sokol’s position through a write-in campaign.
“The town of Rowe is a delightful town and is well supported by its community,” Sokol said. “It’s been a pleasure to serve on the Selectboard. I felt very supported in that role, but life takes different turns and it was time for a change.”
2024.05.14 21:37 je_ru13 On the phone line for the show, but here'smy question...
I am waiting on the line at the moment. The line says to stay on but they may not get to my call. So while waiting, I want to ask my question here.
My brother loves Dave Ramsey. I do too, but have not had a ton of time to fully know all of his rules and financial tips. That is because of a chronic illness that takes a lot of my time. And that's where my question comes in.
Where can I start, as a young disabled person in America, on learning about all the different investing and financial tips without having any debt or money? 27 year old female.
I have tried working and was full time for about a month before it was too much for me. With over 120 doctor appointments this year (2024) and trying to work 40 hours a week with a 30 minute commute, and my health declining rapidly, it wasn't possible to continue. Plus my career (13 years of dog training) has become too dangerous because of my condition. I will be traveling often a few hours away for doctor appointments soon.
With that said, I want to work and get to my dreams. I just don't know how to make a financial plan anymore because it seems everything I do isn't working. I've got a few plans that won't be too hard but I'm so tired now, that I'm letting myself rest before jumping in.
Thinking about:
● Social media content about how to handle the medical field as a chronically ill young person ● Starting an entry level sedentary job for stability and working with a financial advisor. ● Fundraiser using my ABLE account (federal program that creates a bank account that the state runs for young disabled people). This way I can have some cushion. My limit is 18k. It is a real bank account but doesn't affect my benefits. I can't go over 2k on a regular bank account.
Important notes:
● I am on SSI and SSDI. There are rules about hours worked, gross pay amount for the year, and how much money can be in my bank account. I can work 43k in my state without losing SSI and less with SSDI. I don't mind losing it when I am ready but I'll need to be able to afford good insurance. With that said I have an ABLE account that I can save up to 100k total (18k a year) ● I am working with the organizations I can find to get help with job training and academics. But financial advising isn't something I have had success with finding for disabled people. ● I've tried books from the library, but most were for people who made poor choices or are in debt. I am not in debt but stuck on how to build up finances being disabled.
Any advice is greatly appreciated.
submitted by je_ru13 to DaveRamsey [link] [comments]
My brother loves Dave Ramsey. I do too, but have not had a ton of time to fully know all of his rules and financial tips. That is because of a chronic illness that takes a lot of my time. And that's where my question comes in.
Where can I start, as a young disabled person in America, on learning about all the different investing and financial tips without having any debt or money? 27 year old female.
I have tried working and was full time for about a month before it was too much for me. With over 120 doctor appointments this year (2024) and trying to work 40 hours a week with a 30 minute commute, and my health declining rapidly, it wasn't possible to continue. Plus my career (13 years of dog training) has become too dangerous because of my condition. I will be traveling often a few hours away for doctor appointments soon.
With that said, I want to work and get to my dreams. I just don't know how to make a financial plan anymore because it seems everything I do isn't working. I've got a few plans that won't be too hard but I'm so tired now, that I'm letting myself rest before jumping in.
Thinking about:
● Social media content about how to handle the medical field as a chronically ill young person ● Starting an entry level sedentary job for stability and working with a financial advisor. ● Fundraiser using my ABLE account (federal program that creates a bank account that the state runs for young disabled people). This way I can have some cushion. My limit is 18k. It is a real bank account but doesn't affect my benefits. I can't go over 2k on a regular bank account.
Important notes:
● I am on SSI and SSDI. There are rules about hours worked, gross pay amount for the year, and how much money can be in my bank account. I can work 43k in my state without losing SSI and less with SSDI. I don't mind losing it when I am ready but I'll need to be able to afford good insurance. With that said I have an ABLE account that I can save up to 100k total (18k a year) ● I am working with the organizations I can find to get help with job training and academics. But financial advising isn't something I have had success with finding for disabled people. ● I've tried books from the library, but most were for people who made poor choices or are in debt. I am not in debt but stuck on how to build up finances being disabled.
Any advice is greatly appreciated.
2024.05.14 21:36 moodykitty27 All-on-4 dental implant nightmare. Please HELP. 29/F needing any answers/advice desperately.
I'm going to try to keep this short, but also give enough information for analysis and advice. Feb. 20, 2024 I underwent the All-on-4 procedure for my top arch. I'm a 29-year-old female battling with chronic illness my entire life. That, paired with other factors, has caused massive tooth decay in my mouth starting very early. I have some fears regarding dental work related to a bad experience having my wisdom teeth & "12 y/o molars" being removed at 15. But I got over it and sought the treatment. Open and willing to do whatever was needed to get my smile back and be able to eat normally. I've lost over 30 pounds in the last year, and I'm basically malnourished at this point.
I went to an implant clinic local to me and financed a 20k loan for just my top arch. Thats all I can afford right now. This whole experience has been SO traumatic for me.
From being fully awake through the whole process, after I was promised that between the night before meds and morning anxiety medication along with nitrous that I would be totally out. The meds were never called into the pharmacy. I was told me they would only be available the night before for pick up. When they weren't found at any pharmacy in town , I called and their office was closed already. Nobody answered the after-hours line. So I just had to show up at 7am for my procedure without having taken them. I let them know and they told me that the nitrous should still knock me out. Which i believed to be true, past dental work with it would have me knocked out!
But I sobbed and cried and prayed for almost 6 hours while they extracted 14 teeth, it wasn't quick or easy at all, then they placed my implants. 5 of them.
All of my care has been from different providers at the same office. The dentist who I was told would be taking care of my entire process did my numbing shots then left. Someone I didn't know took over. I've never seen her in the office since that day. This has happened almost every follow up.
My pain for the first month was truly unbearable. I work 45 hours a week and they promised me I would be totally fine to work. I wasn't. I did still work without missing a single day, but that was by the grace and strength of God. Also, the demand of my huge loan payment monthy. The gum pain, nerve pain, constant intense throbbing finally subsided less than a month ago. I still get a lot of throbbing at my implant sites, but I continue to hope it's just the osseointegration that I'm feeling.
I went in weekly describing my pain and concerns and was ignored and told 'its normal". They refused to do any scans, check my stitches that never dissolved, I had to nicely demand the remove them after about a month in half because they were all untied and hanging out of my temp but also lodged underneath it.
I have almost ZERO ability to clean in between the acrylic temp and my gums. One side has space the other is smashed into my gums. Totally uneven. It even feels completely unbalanced in my mouth and moves and makes loud clicking noises. I've timed the amount of time I am cleaning and water flossing in a single day and it typically is about an hour total. Yet my mouth tastes terrible all the time. I can feel food lodged between that I'm not able to get out. I've told the dentist this every single time and I'm ignored.
I have so many questions and concerns regarding this whole experience, but most importantly is this:
Next week I start gettting fitted for my permanent teeth. I feel so insecure in my knowledge of how this is supposed to look, fit, and feel. I dont know how to properly advocate for myself and care. I always trust the experts. I'm not a dentist, they are. But I dont trust mine. He has mislead me on many things, gets angry if I say i don't want or like something. For example my current and only temp just simply doesn't fit. It looks ridiculous. I'm not the only person wo has expressed this. My entire family has said the same things. But he refused to even discuss a differnt temp that I have had to wear for months. I explained it not even the aesthetic that I can't deal with its the fit and feel. He was clearly annoyed and told me he's not making another. Mind you he prints these in office with a 3d printer. When I had something almost pertruding through my gums in the front of an implant site he wouldn't do a scan. They finally agreed to do it at my next appointment, only because it's time anyway since this would be my first scheduled "pre op" appointment. If I hadn't been there by request weekly the first two months this would've been the only time I was seen or checked in this whole process.
My screws have fallen out and been replaced. Each time this happened I asked if they would please just check underneath for trapped food and I was told No every time. With no explanation. Is this normal?!!? I truly don't know. But it doesn't feel normal or right. I paid 20k for this. I feel like I've been scammed in way.
If anyone at all could give me ANY info or advice I would be so grateful. I can elaborate more on anything needed I just don't want to ramble and complain. I just wanted my smile back and the ability to eat. Im down to 94 pounds. Eating is barely possible. They didn't tell me anything about my diet restrictions until after the implants were in. I totally get why it would be soft foods only, but I don't understand why they wouldn't tell me things like this at my consult. It's one of the many things that I feel was ignored and left out when discussing this treatment option for me.
One final thing. While adjusting my bite one day he was filing down the implants in the back. I must note that my bottom teeth aren't in great condition but I'm taking great care of them until I can afford to have them done as well. Without any warning the dentist starting filling down MY natural bottom teeth. Not just a little, noticiably even to they eye. I made many noises and waved my hands trying to get him to stop. He continued until I got loud and was pulling my head away. He removed he his hands from my mouth clearly annoyed with me. I asked "are you filing my bottom teeth?!?!' His response- "they're bad anyway". He knows that i can't afford to fix them right now. We discussed this many times. Needless to say, I left in a complete panic attack. Why was that necessary?? Or even an option to him. I now understand dental work and standards are different all over the world. I had zero issues with the ethnicity of who provided my care. But after further research I've seen many things about dental work in India and how brutal it can be. I'm truly don't mean this in a bad way. It's just what I've read in my many hours of research on the topic.
Dentists, assistants, anyone with knowledge or experience. PLEASE any info would be so helpful to me.
Please and thank you again. Sorry for the long post. This truly is the abridged version of this story sadly. I'm just read for this to be over. But I just need the results to be worth the 20k and the trauma.
edit: I don't smoke or drink at all. I can add pictures upon request and hopefully will be receiving copies of my x-rays this week. Several requests have been made by me to the office for them but I still haven't received them yet.
submitted by moodykitty27 to askdentists [link] [comments]
I went to an implant clinic local to me and financed a 20k loan for just my top arch. Thats all I can afford right now. This whole experience has been SO traumatic for me.
From being fully awake through the whole process, after I was promised that between the night before meds and morning anxiety medication along with nitrous that I would be totally out. The meds were never called into the pharmacy. I was told me they would only be available the night before for pick up. When they weren't found at any pharmacy in town , I called and their office was closed already. Nobody answered the after-hours line. So I just had to show up at 7am for my procedure without having taken them. I let them know and they told me that the nitrous should still knock me out. Which i believed to be true, past dental work with it would have me knocked out!
But I sobbed and cried and prayed for almost 6 hours while they extracted 14 teeth, it wasn't quick or easy at all, then they placed my implants. 5 of them.
All of my care has been from different providers at the same office. The dentist who I was told would be taking care of my entire process did my numbing shots then left. Someone I didn't know took over. I've never seen her in the office since that day. This has happened almost every follow up.
My pain for the first month was truly unbearable. I work 45 hours a week and they promised me I would be totally fine to work. I wasn't. I did still work without missing a single day, but that was by the grace and strength of God. Also, the demand of my huge loan payment monthy. The gum pain, nerve pain, constant intense throbbing finally subsided less than a month ago. I still get a lot of throbbing at my implant sites, but I continue to hope it's just the osseointegration that I'm feeling.
I went in weekly describing my pain and concerns and was ignored and told 'its normal". They refused to do any scans, check my stitches that never dissolved, I had to nicely demand the remove them after about a month in half because they were all untied and hanging out of my temp but also lodged underneath it.
I have almost ZERO ability to clean in between the acrylic temp and my gums. One side has space the other is smashed into my gums. Totally uneven. It even feels completely unbalanced in my mouth and moves and makes loud clicking noises. I've timed the amount of time I am cleaning and water flossing in a single day and it typically is about an hour total. Yet my mouth tastes terrible all the time. I can feel food lodged between that I'm not able to get out. I've told the dentist this every single time and I'm ignored.
I have so many questions and concerns regarding this whole experience, but most importantly is this:
Next week I start gettting fitted for my permanent teeth. I feel so insecure in my knowledge of how this is supposed to look, fit, and feel. I dont know how to properly advocate for myself and care. I always trust the experts. I'm not a dentist, they are. But I dont trust mine. He has mislead me on many things, gets angry if I say i don't want or like something. For example my current and only temp just simply doesn't fit. It looks ridiculous. I'm not the only person wo has expressed this. My entire family has said the same things. But he refused to even discuss a differnt temp that I have had to wear for months. I explained it not even the aesthetic that I can't deal with its the fit and feel. He was clearly annoyed and told me he's not making another. Mind you he prints these in office with a 3d printer. When I had something almost pertruding through my gums in the front of an implant site he wouldn't do a scan. They finally agreed to do it at my next appointment, only because it's time anyway since this would be my first scheduled "pre op" appointment. If I hadn't been there by request weekly the first two months this would've been the only time I was seen or checked in this whole process.
My screws have fallen out and been replaced. Each time this happened I asked if they would please just check underneath for trapped food and I was told No every time. With no explanation. Is this normal?!!? I truly don't know. But it doesn't feel normal or right. I paid 20k for this. I feel like I've been scammed in way.
If anyone at all could give me ANY info or advice I would be so grateful. I can elaborate more on anything needed I just don't want to ramble and complain. I just wanted my smile back and the ability to eat. Im down to 94 pounds. Eating is barely possible. They didn't tell me anything about my diet restrictions until after the implants were in. I totally get why it would be soft foods only, but I don't understand why they wouldn't tell me things like this at my consult. It's one of the many things that I feel was ignored and left out when discussing this treatment option for me.
One final thing. While adjusting my bite one day he was filing down the implants in the back. I must note that my bottom teeth aren't in great condition but I'm taking great care of them until I can afford to have them done as well. Without any warning the dentist starting filling down MY natural bottom teeth. Not just a little, noticiably even to they eye. I made many noises and waved my hands trying to get him to stop. He continued until I got loud and was pulling my head away. He removed he his hands from my mouth clearly annoyed with me. I asked "are you filing my bottom teeth?!?!' His response- "they're bad anyway". He knows that i can't afford to fix them right now. We discussed this many times. Needless to say, I left in a complete panic attack. Why was that necessary?? Or even an option to him. I now understand dental work and standards are different all over the world. I had zero issues with the ethnicity of who provided my care. But after further research I've seen many things about dental work in India and how brutal it can be. I'm truly don't mean this in a bad way. It's just what I've read in my many hours of research on the topic.
Dentists, assistants, anyone with knowledge or experience. PLEASE any info would be so helpful to me.
Please and thank you again. Sorry for the long post. This truly is the abridged version of this story sadly. I'm just read for this to be over. But I just need the results to be worth the 20k and the trauma.
edit: I don't smoke or drink at all. I can add pictures upon request and hopefully will be receiving copies of my x-rays this week. Several requests have been made by me to the office for them but I still haven't received them yet.
2024.05.14 21:20 Apok_Music Financial Advice for my Nana
As the title says, I need big time help with my grandmother. Small preface: I love my grandmother and I would do anything for her. She is one of my best friends and currently she is miserable. She lives in a condo that has $400,000 worth of equity in it and she says a mortgage that has ~$70,000 left on it. She has an interest rate of like 6.25%. She’s 86 years old and she collects social security which amount to ~$1,400 a month which covers the entirety of her monthly mortgage payment. And she has a credit score of like 430. The big question here is: How do we access the equity in her home to help her pay her finances? She has appointments, bills, and other just miscellaneous stuff she needs to pay but she has no income. I spoke to a lender about transferring title over to me so that we could use my credit score (800) to get a loan for her but they said it wouldn’t work because I’m not a resident that lives in the home. I’m looking for creative solutions. Please help!
submitted by Apok_Music to Money [link] [comments]
2024.05.14 20:53 ttgirlsfw Hypothesis: Health insurance companies are the reason healthcare is so expensive and hence why we need health insurance.
Health insurance companies make money by collecting copays and premiums from their customers and investing it. A portion of the investment goes towards covering the customers’ medical bills and the rest is kept as profit.
The question here is what do the health insurance companies invest in?
I think it’s rather logical that they invest in healthcare. For example:
The health insurance company may provide funds to a struggling healthcare-related business to get it on its feet, in exchange for a portion of that business’s future profits. This forces the business to raise their prices, so that they can both make a profit and pay the insurance company.
The health insurance company may fund the development of new medical technology in exchange for the patent for that medical technology, so whenever it gets used, the insurance company gets paid. Whoever uses the technology for their business has to raise their prices so that they can both make a profit and pay the insurance company.
With the prices higher, people can no longer afford health care. This forces them to buy insurance, which in turn gives the insurance companies more investing power, which in turn causes the prices to go up.
Now it might be true that a health insurance company doesn’t necessarily invest in healthcare. It might be true that they invest in a variety of things. But then my theory becomes that all the insurance companies are in it together. For example, health insurance invests in cars. Car prices go up. People buy car insurance. Car insurance invests in houses. House prices go up. People buy home owners insurance. Home owners insurance invests in healthcare. Healthcare prices go up. People buy health insurance. And so on.
If you dig deep enough you may find that there are some really rich people who own a share of a variety of insurance companies who are earning a shit-ton of money from employing this strategy.
Keep in mind this is all speculation. Im too lazy to verify any of this, it’s just a shower thought.
submitted by ttgirlsfw to conspiracytheories [link] [comments]
The question here is what do the health insurance companies invest in?
I think it’s rather logical that they invest in healthcare. For example:
The health insurance company may provide funds to a struggling healthcare-related business to get it on its feet, in exchange for a portion of that business’s future profits. This forces the business to raise their prices, so that they can both make a profit and pay the insurance company.
The health insurance company may fund the development of new medical technology in exchange for the patent for that medical technology, so whenever it gets used, the insurance company gets paid. Whoever uses the technology for their business has to raise their prices so that they can both make a profit and pay the insurance company.
With the prices higher, people can no longer afford health care. This forces them to buy insurance, which in turn gives the insurance companies more investing power, which in turn causes the prices to go up.
Now it might be true that a health insurance company doesn’t necessarily invest in healthcare. It might be true that they invest in a variety of things. But then my theory becomes that all the insurance companies are in it together. For example, health insurance invests in cars. Car prices go up. People buy car insurance. Car insurance invests in houses. House prices go up. People buy home owners insurance. Home owners insurance invests in healthcare. Healthcare prices go up. People buy health insurance. And so on.
If you dig deep enough you may find that there are some really rich people who own a share of a variety of insurance companies who are earning a shit-ton of money from employing this strategy.
Keep in mind this is all speculation. Im too lazy to verify any of this, it’s just a shower thought.
2024.05.14 20:52 roukfly02 [NY] Need HELP with background check info, specifically credit check info after job offer was accepted
So I accepted a job offer and I am just about to complete the background check information using Checkr. I have no criminal history nor any employment timeline mess ups. I do however have bad credit because I lost my job late last year and was unable to keep all of my lines of credit in good standing with most accounts being closed. Because of this my score dropped a lot. The role is not really a finance role, but from the job description I will probably be dealing with billing information from clients. I know that how much depth a check has depends on the company and role but my question is do I tell the people in HR about this or do I keep going through the process and if something shows up then explain? The negative history is relatively short, it's been about 4-5 months. As I really need this new job to essentially restart my life this is filling with my so much anxiety. Any assistance is appreciated.
submitted by roukfly02 to AskHR [link] [comments]
2024.05.14 20:44 roukfly02 (NYC) Need HELP with background check info, specifically credit check info after job offer was accepted
So I accepted a job offer and I am just about to complete the background check information using Checkr. I have no criminal history nor any employment timeline mess ups. I do however have bad credit because I lost my job late last year and was unable to keep all of my lines of credit in good standing with most accounts being closed. Because of this my score dropped a lot. The role is not really a finance role, but from the job description I will probably be dealing with billing information from clients. I know that how much depth a check has depends on the company and role but my question is do I tell the people in HR about this or do I keep going through the process and if something shows up then explain? The negative history is relatively short, it's been about 4-5 months. As I really need this new job to essentially restart my life this is filling with my so much anxiety. Any assistance is appreciated.
submitted by roukfly02 to backgroundchecks [link] [comments]
2024.05.14 20:40 interventionalhealer 1. The Radicalization Of Evangelicalism
An excerpt from the upcoming thesis on the counter theory to the rise of MAGA.
The Radicalization Of Evangelicalism
With how fanatic MAGA members have become, its vital to take a deeper look into a crucial part of its spiritual reverence as prophesized by evangelicals. "Pro-life, pro-traditional family, pro-moral, and pro-American" has largely been the Republican platform for quite sometime, but it's also an implant by the efforts of one man who sought to control and organize many narrative's into one which he felt best fit his pristine vision.
The question here was "Have Evangelicals always been this way." The answer surprised me. No, they weren't. Then even once widely supported abortions for financial reasons, which was arguably less aggressive than Roe Vs wade, which restricted potential reasons for abortions and the trimesters increased.
The odd fact is that one single man, coming from a family of casual atheists, criminals, bootleggers and drunks, would grow up partying and drinking to then start the strictest and "purest" Evangelical movement that would forever shake their course and culture. He was also the one that organized the goals of "Pro-life, pro-traditional family, pro-moral, and pro-American" with his 'Moral Majority' organization.
The tragedy is how he shoved his 'imperfect' son into a spotlight of having to push extreme conservative values that ultimately lead to his downfall in juxtaposition.
Falwell Jr. even claimed that his downfall was due to his relationship with Trump, and not his own sins.
I want to be clear that this family does not define the Evangelical movement and I pray they find themselves on a more balanced path going forward.
Evangelicalism In The 1900s'
ASA3 Article by the Christian Medical Society of historical Abortion Stance
The Man Who Radicalized Evangelicalism
Standford LawSchool Founding Fathers Separation Of Church And State
TheGuardian On Farwells 9/11 Claim
The Affair
Politico Jerry Falwell Liberty University Loans
Falwells Fall
In Summary:
Jerry Falwell Sr.'s commitment to a strict evangelical approach was deeply influenced by his desire to reshape the moral landscape and possibly counteract the less savory aspects of his family's history. His vision radicalized evangelicalism, aligning it closely with far-right politics, a transformation that had lasting impacts on American political and religious culture.
Jerry Falwell Jr., however, doesn't appear to have had any widely recognized issues with racism or segregation prior to 2020, which marks a stark contrast with the controversies that exploded around him later. His leadership at Liberty University seemed to embody the ultra-conservative values his father espoused, but his personal scandals, particularly the affair with the pool boy, starkly contradicted the public persona he projected. This scandal was particularly poignant given his father's harsh stance against similar moral failings in others, highlighting a deep hypocrisy that often went unremarked in less prominent families.
The ominous saga of the Falwell’s underscores the complex dynamics within evangelical circles, where there has been a tension between public morality and private behavior. It suggests a need for a reevaluation of how evangelical leaders engage with politics and society, advocating for a return to core values that emphasize personal integrity and humility over public condemnation of others' imperfections.
This also raises broader questions about the path forward for evangelical communities. There might be merit in considering a separation of church and state interests as it’s founders supported. Such changes could potentially help the evangelical movement find a more sustainable and less divisive role in modern society, avoiding the pitfalls that ensnared the Falwells.
As a refresher for them, here’s some Jesus:
44 But I tell you, love your enemies and pray for those who persecute you,
45 that you may be children of your Father in heaven. He causes his sun to rise on the evil and the good, and sends rain on the righteous and the unrighteous.
46 If you love those who love you, what reward will you get? Are not even the tax collectors doing that?
47 And if you greet only your own people, what are you doing more than others? Do not even pagans do that?
48 Be perfect, therefore, as your heavenly Father is perfect.”
And for those who follow the path of the fallen after learning of this, you’re not following the path of God, you’re following the path of the fallen angel.
u/neodestiny
submitted by interventionalhealer to Destiny [link] [comments]
The Radicalization Of Evangelicalism
With how fanatic MAGA members have become, its vital to take a deeper look into a crucial part of its spiritual reverence as prophesized by evangelicals. "Pro-life, pro-traditional family, pro-moral, and pro-American" has largely been the Republican platform for quite sometime, but it's also an implant by the efforts of one man who sought to control and organize many narrative's into one which he felt best fit his pristine vision.
The question here was "Have Evangelicals always been this way." The answer surprised me. No, they weren't. Then even once widely supported abortions for financial reasons, which was arguably less aggressive than Roe Vs wade, which restricted potential reasons for abortions and the trimesters increased.
The odd fact is that one single man, coming from a family of casual atheists, criminals, bootleggers and drunks, would grow up partying and drinking to then start the strictest and "purest" Evangelical movement that would forever shake their course and culture. He was also the one that organized the goals of "Pro-life, pro-traditional family, pro-moral, and pro-American" with his 'Moral Majority' organization.
The tragedy is how he shoved his 'imperfect' son into a spotlight of having to push extreme conservative values that ultimately lead to his downfall in juxtaposition.
Falwell Jr. even claimed that his downfall was due to his relationship with Trump, and not his own sins.
I want to be clear that this family does not define the Evangelical movement and I pray they find themselves on a more balanced path going forward.
Evangelicalism In The 1900s'
- Evangelicals were not always on the far right, their people, pastors and community even previously recommended abortion bills. “Financial capability” was even an approved reason, by Gods will, to engage with abortion.
ASA3 Article by the Christian Medical Society of historical Abortion Stance
The Man Who Radicalized Evangelicalism
- Yet one man, Jerry Falwell, a segregationist, would push for modernization and mobilization of the evangelical far right movement. Apparently, he knew better than every pastor in the history of that religion.
- Near 1980 he launched his “Moral majority” group and “I Love America” rallies. He said he felt he saw a serious lacking in general morality in the country and was trying to save it. The Moral Majority was promoted as being pro-life, pro-traditional family, pro-moral, and pro-American. Which are all hallmarks of the Republican party and MAGA today.
- Fallwell pushed for conservative politics so much that it led Billy Graham, a widely respected and well-known evangelical preacher, to criticize him for “sermonizing” about political issues that lacked a moral element.
- Graham, unlike Falwell, insisted on racial integration and even invited Martin Luther King to preach with him at a revival in New York City.
- However, Fallwell, a televangelist Christian, would make the odd alliance with Weyrich, a Roman Catholic, to help get “religion back into politics” to fight the imaginary enemy of “secular humanism.” Even though Falwell’s father was an atheist and from a line of criminals and drunks.
- Beyond intense homophobic, racist and misogynistic comments, Falwell preached, “The idea religion and politics don’t mix was invented by the Devil to prevent Christians from running their own country.” For your review, I’ve attached some “Devil Worshipers.”
Standford LawSchool Founding Fathers Separation Of Church And State
- In the 1990s that imaginary attack on religion of “separation of church and state” was called “political correctness.” With Bill O’Reilly even claiming that Christmas was ‘under siege’ in 2004 by “secular progressives.”
- h. In the mid-1990s Falwell also promoted the Clinton Chronicles, a right wing propaganda video that accused the Clinton’s of excessive crimes all the way up to murder.
- The ‘Falwells’ founded Liberty University and became puritan punishers and fined and ruined peoples academic lives for failing to live up to their “elite moral standards.” Few people understand how much harm academic death can cause someone and how likely suicide can become. Some of these sins included merely being in the same room as the opposite sex or drinking. Contrasted by the Falwell’s criminal family history and Jr’s claim his father had consistently openly drank and partied with friends before marriage. His father even apparently broke up a marriage to later claim his wife, Macel. His main tactic was incepting love letters, which was a federal crime for each instance.
- Jerry Jr would also reveal, “He became a different person to build a church and a school.”
- In 1988 the Falwells nearly lost everything due to Sr’s financial mismanagement to the tune of millions of dollars. While it’s claimed that his son helped reorganize things, restructure debts and find new funding sources, there doesn’t appear to be any articles on where those funding sources came from.
- On 9/11 Fallwell Sr even said, “"I really believe that the pagans, and the abortionists, and the feminists, and the gays and the lesbians who are actively trying to make that an alternative lifestyle, the ACLU, People for the American Way -- all of them who have tried to secularize America -- I point the finger in their face and say 'you helped this happen.'
- While other evangelicals said it was impossible to know which punishments god gave for which sins. Fallwell would later claim those words were taken “out of context.” That’s funny when it seemed like he was specifically talking to them in that moment.
TheGuardian On Farwells 9/11 Claim
The Affair
- It would be ironic that his son, after years of advocating for purity and monogamy, would himself engage in a messy seven-year affair that shocked the evangelical community. This scandal, along with other minor scandals and financial misconduct involving tax-free financial benefits to friends from the university, starkly contrasted with the values he publicly demanded. Although the affair appeared to be consensual among the involved parties, it was overshadowed by other, less publicized but more concerning alleged crimes. Additionally, despite his minimal evangelical conviction, he was thrust into an intense spotlight that would ultimately contribute to his downfall.
Politico Jerry Falwell Liberty University Loans
Falwells Fall
- It's ironic that Jerry Jr., who initially had no prior relationship with Donald Trump, would become the first evangelical leader to endorse him in 2016. This endorsement came just two months after the death of his evangelical brother, raising some suspicion to his sudden ‘change of heart.’ Reports suggest that the endorsement was part of a quid pro quo with Michael Cohen to conceal an affair casting an additional shadow over evangelicals.
- However, there was a silver lining when 2,000 members of Liberty University, where Jerry Jr. was a leading figure, signed a petition for his removal, showing a commitment to integrity within the university community.
- Add to all that, concerning comments like tweeting he would only wear a mask that had “Governor Blackface” on it, in the wake of George Floyd. Although this was arguably during his “self-destruct” phase.
- Then, upon reflection, he insisted his fall was due to endorsing Donald Trump, and not his own sins.
In Summary:
Jerry Falwell Sr.'s commitment to a strict evangelical approach was deeply influenced by his desire to reshape the moral landscape and possibly counteract the less savory aspects of his family's history. His vision radicalized evangelicalism, aligning it closely with far-right politics, a transformation that had lasting impacts on American political and religious culture.
Jerry Falwell Jr., however, doesn't appear to have had any widely recognized issues with racism or segregation prior to 2020, which marks a stark contrast with the controversies that exploded around him later. His leadership at Liberty University seemed to embody the ultra-conservative values his father espoused, but his personal scandals, particularly the affair with the pool boy, starkly contradicted the public persona he projected. This scandal was particularly poignant given his father's harsh stance against similar moral failings in others, highlighting a deep hypocrisy that often went unremarked in less prominent families.
The ominous saga of the Falwell’s underscores the complex dynamics within evangelical circles, where there has been a tension between public morality and private behavior. It suggests a need for a reevaluation of how evangelical leaders engage with politics and society, advocating for a return to core values that emphasize personal integrity and humility over public condemnation of others' imperfections.
This also raises broader questions about the path forward for evangelical communities. There might be merit in considering a separation of church and state interests as it’s founders supported. Such changes could potentially help the evangelical movement find a more sustainable and less divisive role in modern society, avoiding the pitfalls that ensnared the Falwells.
As a refresher for them, here’s some Jesus:
Matthew 5:43-48 (NIV)
43 “You have heard that it was said, ‘Love your neighbor and hate your enemy.’44 But I tell you, love your enemies and pray for those who persecute you,
45 that you may be children of your Father in heaven. He causes his sun to rise on the evil and the good, and sends rain on the righteous and the unrighteous.
46 If you love those who love you, what reward will you get? Are not even the tax collectors doing that?
47 And if you greet only your own people, what are you doing more than others? Do not even pagans do that?
48 Be perfect, therefore, as your heavenly Father is perfect.”
And for those who follow the path of the fallen after learning of this, you’re not following the path of God, you’re following the path of the fallen angel.
u/neodestiny
2024.05.14 20:27 Classic_Code9946 Recently started working, looking for guidance regarding saving, investing, budgeting
Hi PFC, I've been following this sub for a while now and I've learnt a lot! I'm 23 and started my first full time job recently and wanted to get a better sense of how to plan my savings, investments, and finances as a whole. I've tried to follow most of what I've read, but would love to know if there's anything I've missed or could improve on. I’ve also put some questions throughout the bullet points. Here's some relevant information:
Income:
submitted by Classic_Code9946 to PersonalFinanceCanada [link] [comments]
Income:
- $120,000 per year, $10,000 per month
- ~$85,000/y, ~$7,100/m after tax
- How do I account for EI premiums and CPP deductions?
- ~$85,000/y, ~$7,100/m after tax
- Monthly Fixed(~$1900):
- Rent: $1600
- Recurring bills (Phone, Credit Card fees, OSAP repayment etc): $144
- Groceries: ~$150
- Extra (~$760):
- Subscriptions (Uber One, Spotify, iCloud etc): $60
- Avg. Extra Spend (Dining out, ride share, shopping etc): ~$700
- Trying to cook more and reduce random unnecessary expenditure. That should bring up groceries, but drop this a good amount (to be seen)
- TFSA (~$42,000):
- Very tech heavy, should probably be diversified
- ~$2500 left to max out contribution for this year
- RRSP: 0
- Employer offers matching up to 3%
- Should I stop at 3% (total 6% with matching) or try to max this out after TFSA?
- Employer offers matching up to 3%
- FHSA: 0
- Opened it last year, so I think I have $16,000 of contribution room
- Should I put money in here before/aftein parallel with RRSP?
- Opened it last year, so I think I have $16,000 of contribution room
- Savings: 0
- Moved pretty much everything into my TFSA
- Plan mentioned below
- Plan:
- Savings:
- ~$1500/m into WealthSimple Cash account (4% interest)
- Investing:
- ~$3000/m into TFSA, then RRSP, then FHSA
- Savings:
- OSAP: $9900
- All federal, 0% interest
- Min. payment included in expenses section above
2024.05.14 20:20 FireHamilton My [27M] girlfriend [25F] spending habits are out of control?
To give you an idea of my girlfriend, she's very ADHD and kind of the ditzy blonde stereotype. With that being said she is the sweetest most loving girl that adores me and spreads joy to everyone's lives. She is smart in her own way.
Before she met me she was really struggling to build her own life. She had a very turmoil based childhood with multiple divorces and an emotionally unavailable father. She really doesn't have many people. Her ADHD causes her to have poor impulse control and she struggles with her finances. When I met her she was living with her mom.
I knew she struggled, so I figured we would combine finances and I would be in charge of paying her bills and collecting her paychecks from being a waitress.
Now I make good money, and she knows I do. Since starting this new system 2.5 weeks ago we also moved to a big city together. So far her spending has been out of control. In the last 2 weeks she has spent 2 grand on my card, and probably made about 700 bucks.
In the past I also had to bail her out of some dire situations totaling in the thousands.
I feel very used. But the thing is I truly do believe she loves me, she just doesn't 'get it' for a lot of things. I would even suggest she has a slight learning disability. Things are just hard for her.
With that being said I know this sounds bad, she has made big strides in getting certified to work with special needs kids. She has a job waiting for her if she can pass the exam that would pay her much more.
My hope is that she will get this and things will turn around. Because I've been having the same conversation, you are spending at an unsustainable pace. We only moved 2.5 weeks ago so I know some things must be bought, but for example she bought an expensive comforter then yesterday spent 300 on a new one because she didn't like it.
It seems like I'm unable to get my point through, to the point where I am close to ending our relationship.
It's hard because I love her so much, I've never loved anyone as much as I do her and she is my person. We get along so well aside from this.
Could someone please help me?
submitted by FireHamilton to relationship_advice [link] [comments]
Before she met me she was really struggling to build her own life. She had a very turmoil based childhood with multiple divorces and an emotionally unavailable father. She really doesn't have many people. Her ADHD causes her to have poor impulse control and she struggles with her finances. When I met her she was living with her mom.
I knew she struggled, so I figured we would combine finances and I would be in charge of paying her bills and collecting her paychecks from being a waitress.
Now I make good money, and she knows I do. Since starting this new system 2.5 weeks ago we also moved to a big city together. So far her spending has been out of control. In the last 2 weeks she has spent 2 grand on my card, and probably made about 700 bucks.
In the past I also had to bail her out of some dire situations totaling in the thousands.
I feel very used. But the thing is I truly do believe she loves me, she just doesn't 'get it' for a lot of things. I would even suggest she has a slight learning disability. Things are just hard for her.
With that being said I know this sounds bad, she has made big strides in getting certified to work with special needs kids. She has a job waiting for her if she can pass the exam that would pay her much more.
My hope is that she will get this and things will turn around. Because I've been having the same conversation, you are spending at an unsustainable pace. We only moved 2.5 weeks ago so I know some things must be bought, but for example she bought an expensive comforter then yesterday spent 300 on a new one because she didn't like it.
It seems like I'm unable to get my point through, to the point where I am close to ending our relationship.
It's hard because I love her so much, I've never loved anyone as much as I do her and she is my person. We get along so well aside from this.
Could someone please help me?
2024.05.14 20:08 strayerjenn Use Retirement for carpet removal?
Hello,
I have been told by a CIRS-trained indoor environmental professional to get rid of all carpets and get our HVAC system cleaned. However, my husband and I are in credit card debt largely to do medical bills and other expenses. I realize this is also a question for a financial advisor, but should I consider taking out funds from my retirement account to replace our flooring? My dad and step-mom have already said they can help with labor so that would be some cost savings there. They have a lot of experience replacing carpet with tile.
submitted by strayerjenn to CIRS [link] [comments]
I have been told by a CIRS-trained indoor environmental professional to get rid of all carpets and get our HVAC system cleaned. However, my husband and I are in credit card debt largely to do medical bills and other expenses. I realize this is also a question for a financial advisor, but should I consider taking out funds from my retirement account to replace our flooring? My dad and step-mom have already said they can help with labor so that would be some cost savings there. They have a lot of experience replacing carpet with tile.
2024.05.14 20:01 Toadyback Help! (Eye lid) I’ve been to the Doctor 3 times
 | I went to the dr about 4 months ago and was told contact dermatitis. I was given desonide ointment and it cleared up. I went back because it came back and was given 0.05% desonide cream. That works very well but when I stop using it, it comes back. submitted by Toadyback to DermatologyQuestions [link] [comments] Unrelated I had an eye exam and the dr mentioned it could be blepharitis and to try eye lid scrubs. I’ve been doing that but it seems to be irritating it. Aquaphor, as recommended helps with the irritation but not the swelling and flaking. The only thing that clears it up is that desonide cream but I don’t want to use that long term for eye health risks. I’m also out $400 in medical bills and not trying to go back unless I need to. Should I continue to use the cream even after symptoms stop? If so, how long? Should I use something else? I do have a history of psoriasis but have not had flares in many years. (Entire scalp and back of calves as 2 outbreaks. Each were resolved within 1 month of consistent treatment) |
2024.05.14 19:51 wlady4000 7 valuable lessons on how to achieve financial breakthrough
Certainly! Let's amplify the solutions to each of the challenges mentioned earlier:
1.Enhancing Financial Literacy:
2.Living Below Your Means:
7.Cultivating a Positive Money Mindset:
By amplifying these solutions and integrating them into your financial strategy, you can overcome challenges and make meaningful progress towards financial freedom. Remember that consistency and perseverance are key to long-term success.
submitted by wlady4000 to u/wlady4000 [link] [comments]
1.Enhancing Financial Literacy:
- Utilize a combination of resources such as books, podcasts, online courses, and workshops to deepen your understanding of personal finance.
- Engage with financial communities or forums where you can exchange ideas, ask questions, and learn from others' experiences.
- Consider working with a financial advisor who can provide personalized guidance and education tailored to your specific financial situation and goals.
2.Living Below Your Means:
- Create a detailed budget that clearly outlines your income, expenses, and savings goals. Use budgeting apps or spreadsheets to track your spending and identify areas where you can cut back.
- Practice mindful spending by questioning purchases and considering their long-term impact on your financial goals.
- Automate your savings by setting up recurring transfers to a separate savings account or investment account.
- Reducing Living Expenses:
- Negotiate with service providers to lower bills or switch to more affordable alternatives.
- Look for opportunities to share housing costs by living with roommates or family members.
- Explore cost-saving measures such as energy-efficient appliances, meal planning, or DIY home maintenance to lower utility and grocery bills.
- Debt Repayment Strategies:
- Prioritize high-interest debt repayment while making minimum payments on other debts.
- Consider debt consolidation through balance transfers, personal loans, or debt management plans to streamline payments and reduce interest rates.
- Explore opportunities to increase your income through freelance work, part-time jobs, or selling unused items to accelerate debt repayment.
- Building Discipline and Self-Control:
- Set clear financial goals with specific milestones and deadlines to stay motivated.
- Practice delaying gratification by implementing a 24-hour rule for non-essential purchases.
- Surround yourself with supportive accountability partners who can encourage and hold you accountable for sticking to your financial plan.
- Building an Emergency Fund:
- Start small by setting aside a portion of your income each month until you reach your desired emergency fund goal.
- Consider automating contributions to your emergency fund to ensure consistent savings.
- Keep your emergency fund in a separate, easily accessible account, such as a high-yield savings account or money market account.
7.Cultivating a Positive Money Mindset:
- Practice gratitude for what you have and celebrate small wins along your financial journey.
- Visualize your financial goals and affirm your ability to achieve them through positive self-talk.
- Surround yourself with inspirational resources, whether it's books, podcasts, or mentors, that reinforce a growth-oriented mindset towards money.
By amplifying these solutions and integrating them into your financial strategy, you can overcome challenges and make meaningful progress towards financial freedom. Remember that consistency and perseverance are key to long-term success.
2024.05.14 19:45 wlady4000 Why us so had to save money and achieve financial freedom and how to overcome it
Saving money and achieving financial freedom can indeed be challenging due to various factors, but understanding these hurdles and implementing strategies to overcome them can pave the way towards financial success.
submitted by wlady4000 to u/wlady4000 [link] [comments]
- Lack of Financial Literacy: Many people struggle with managing their finances simply because they lack the necessary knowledge about budgeting, investing, and saving. Without a solid understanding of financial principles, it's easy to fall into patterns of overspending and debt. Overcoming: Educate yourself about personal finance through books, online resources, or even financial literacy courses. Understanding basic concepts like budgeting, compound interest, and investment strategies can empower you to make informed decisions about your money.
- Living Beyond Means: In today's consumer-driven culture, there's often pressure to keep up with the latest trends and maintain a certain lifestyle, even if it means spending more than you earn. This mentality leads to excessive spending and makes it difficult to save. Overcoming: Practice living below your means by creating a budget that prioritizes saving and investing over unnecessary expenses. Differentiate between needs and wants, and be mindful of your spending habits. Focus on long-term financial goals rather than short-term gratification.
- High Cost of Living: Rising expenses such as housing, healthcare, and education can eat into your income, leaving little room for saving and investing. Overcoming: Explore ways to reduce your living expenses, such as downsizing to a smaller home, renegotiating bills, or finding cheaper alternatives for necessities. Consider relocating to areas with lower costs of living if feasible. Additionally, look for ways to increase your income through side hustles or advancing your career.
- Debt Burden: Debt, especially high-interest consumer debt like credit card balances, can significantly impede your ability to save and invest for the future. Paying off debt often takes precedence over saving, leading to a cycle of financial stress. Overcoming: Prioritize debt repayment by adopting strategies like the debt snowball or debt avalanche method. Cut discretionary spending and allocate the savings towards paying off debt faster. Consider consolidating high-interest debt or negotiating with creditors for lower interest rates.
- Lack of Discipline: Saving money requires discipline and self-control, which can be challenging in a world filled with temptations and instant gratification. Impulse purchases and lifestyle inflation can derail your savings goals. Overcoming: Develop good financial habits by automating your savings and investments, setting up separate accounts for different financial goals, and tracking your spending regularly. Create barriers to impulse spending, such as implementing a waiting period before making non-essential purchases. Surround yourself with supportive friends and family who share similar financial goals.
- Unexpected Expenses and Emergencies: Financial setbacks like medical emergencies, car repairs, or job loss can derail your savings progress and force you to dip into your savings or accumulate debt. Overcoming: Build an emergency fund to cover 3-6 months' worth of living expenses, so you're prepared for unforeseen circumstances. Make regular contributions to this fund until you reach your target amount. Consider purchasing insurance policies like health insurance, car insurance, and disability insurance to mitigate the financial impact of unexpected events.
- Psychological Barriers: Deep-seated beliefs and emotions about money inherited from childhood or past experiences can influence your financial behavior. Fear of failure, scarcity mindset, or feelings of unworthiness can sabotage your efforts to save and invest. Overcoming: Practice mindfulness and self-awareness to identify and challenge limiting beliefs about money. Cultivate a positive money mindset by focusing on abundance rather than scarcity. Surround yourself with positive influences and seek support from a financial advisor or therapist if necessary.
2024.05.14 18:45 Duckhorn-Cab-01 Injured horse/ liability help
My mare was tied to pipe gate Friday night attached to an electric fence to be fly sheeted. She does not need to be tied to be fly sheeted and everyone is supposed to be using the cross ties in the barn, not tying horses to gates. She loves her sheet and stands still for it. The electric fence zapped her as she was tied too close to it, she spooked, pulled back, took the gate off the line and her rear legs were stuck through it, and her face tied to it while she galloped around the property panicking. She suffered severe lacerations on all four legs, ripped her chestnuts off, ripped a shoe. has cuts between her butt cheeks, is swollen everywhere, and is traumatized. Stall bound for at least 3 weeks and she is normally a 24/7 pasture girl. I am so sad, and upset for her. She is not happy.
I was called about it and raced to the barn. The vet would not come out and wanted her trailered in for stitches. I opted not to stitch the biggest wound, but wrap it as it is on the front leg and would rip out instantly. We treated her, got antibiotics, bute, muscle relaxers fulfilled. Was in contact with my personal vet through photos, texts, etc.
I was told by the barn manager exactly what happened and the individual at fault. I am being sent bills for her medications and supplies, and I have a feeling they will send me a bill for stall board as I pay pasture board. I am not okay with this as they admitted fault and my mare is not accident prone. I do not even know what physiological issues she may have after her wounds heal. I signed the board agreement when I moved there with the typical rules about equines being dangerous and that they would not be held responsible for injury, etc. But this is not a random pasture accident, this was a stupid decision made by an idiot to tie my horse to a mobile object that has NO safety release or breakaway. The cross ties do.
I have had a terrible last few days. Has anyone dealt with something like this? What do I do? I love the facility and moving her is out o f the question right now. I will not refuse treatment for her either, of course. But I do not think this is right.
submitted by Duckhorn-Cab-01 to Equestrian [link] [comments]
I was called about it and raced to the barn. The vet would not come out and wanted her trailered in for stitches. I opted not to stitch the biggest wound, but wrap it as it is on the front leg and would rip out instantly. We treated her, got antibiotics, bute, muscle relaxers fulfilled. Was in contact with my personal vet through photos, texts, etc.
I was told by the barn manager exactly what happened and the individual at fault. I am being sent bills for her medications and supplies, and I have a feeling they will send me a bill for stall board as I pay pasture board. I am not okay with this as they admitted fault and my mare is not accident prone. I do not even know what physiological issues she may have after her wounds heal. I signed the board agreement when I moved there with the typical rules about equines being dangerous and that they would not be held responsible for injury, etc. But this is not a random pasture accident, this was a stupid decision made by an idiot to tie my horse to a mobile object that has NO safety release or breakaway. The cross ties do.
I have had a terrible last few days. Has anyone dealt with something like this? What do I do? I love the facility and moving her is out o f the question right now. I will not refuse treatment for her either, of course. But I do not think this is right.
2024.05.14 18:45 TrackRunner99 retake advice and application
Hello Folks. I am planning to apply this application cycle and find myself in a predicament after receiving my mcat results recently. To provide you context, I was a psychology major in college and completed all the standard pre-medical classes except for biochem which I self-studied for mcat prep. I went to a small liberal arts school where I had a GPA of 3.78. I generally did very well in my pre-med courses except for gen Chem where I struggled early in my college career. My mcat prep spanned a 6 month period with total hours studied at 760 hours. Below are my results of my practice exams in order:
11/18/23: Blueprint diagnostic: 502 ; 12/1: BP FL 1: 504 (126/125/125/128); 12/8: AAMC FL1 505 (124/127/125/129); 12/15: AAMC free scored: 502 (125/124/124/129); 12/29 BP FL 2: 505 (126/125/126/128); 1/5: BP FL3 504 (125/126/126/127); 1/19 AAMC FL2: 504 (125/124/126/129); 2/9 BP FL4 503 (125/125/125/128); 2/16: BP FL5: 505 (124/127/127/127); 2/23 Princeton demo 499 (123/125/123/128); 3/13 BP FL6: 502 (125/124/125/128); 3/22: AAMC FL 3: 509 (126/127/127/129); 4/5 AAMC FL4: 505 (126/125/125/129); 4/7 AAMC FL unscored: B/B (127 concerted), CP (127 converted)
Actual Mcat 4/12: 501 (127/123/125/126)
After each practice exam, I took the advice of many successful test takers and recorded the questions I got wrong and added new flashcards to the milesdown Anki deck. I also purchased the uplanet mcat q-bank and did every single question and re-did every question until I got 100% correct for all sections (except for orgo since I ran out of time). I generally studied like it was a full time job, around 5 hours each day over this 6 month period. Also, I did all the AAMC question packs. For section banks, I was around 65% for all 3. And for the bio volume 1 and 2 questions I was at high 70 % on both. For the independent Q's I got >80% on all sections. For chem and phys practice q's I was at about 70-80%.
My goal entering mcat prep was to study extremely hard to try to achieve my goal score of 515. I'm honestly shocked at my actual mcat score and don't really know where to go here given how much time and financial investment into preparing.
I am considering retaking the exam, but wanted to gauge opinions and when would be the latest I could retake with this current application cycle. I essentially have my primary finished already and was planning to submit in the first week of June once I got my mcat back. Thank you for any advice.
submitted by TrackRunner99 to medschool [link] [comments]
11/18/23: Blueprint diagnostic: 502 ; 12/1: BP FL 1: 504 (126/125/125/128); 12/8: AAMC FL1 505 (124/127/125/129); 12/15: AAMC free scored: 502 (125/124/124/129); 12/29 BP FL 2: 505 (126/125/126/128); 1/5: BP FL3 504 (125/126/126/127); 1/19 AAMC FL2: 504 (125/124/126/129); 2/9 BP FL4 503 (125/125/125/128); 2/16: BP FL5: 505 (124/127/127/127); 2/23 Princeton demo 499 (123/125/123/128); 3/13 BP FL6: 502 (125/124/125/128); 3/22: AAMC FL 3: 509 (126/127/127/129); 4/5 AAMC FL4: 505 (126/125/125/129); 4/7 AAMC FL unscored: B/B (127 concerted), CP (127 converted)
Actual Mcat 4/12: 501 (127/123/125/126)
After each practice exam, I took the advice of many successful test takers and recorded the questions I got wrong and added new flashcards to the milesdown Anki deck. I also purchased the uplanet mcat q-bank and did every single question and re-did every question until I got 100% correct for all sections (except for orgo since I ran out of time). I generally studied like it was a full time job, around 5 hours each day over this 6 month period. Also, I did all the AAMC question packs. For section banks, I was around 65% for all 3. And for the bio volume 1 and 2 questions I was at high 70 % on both. For the independent Q's I got >80% on all sections. For chem and phys practice q's I was at about 70-80%.
My goal entering mcat prep was to study extremely hard to try to achieve my goal score of 515. I'm honestly shocked at my actual mcat score and don't really know where to go here given how much time and financial investment into preparing.
I am considering retaking the exam, but wanted to gauge opinions and when would be the latest I could retake with this current application cycle. I essentially have my primary finished already and was planning to submit in the first week of June once I got my mcat back. Thank you for any advice.