Letter decline credit application

This thread has been my comfort zone for a long time. I would come here and read all the posts of people who have been struggling to find a job, just like I did. My personal story is not unique to this thread, where there are probably countless stories like mine. To give some context: I'm an international student (migrant 🥲) in the UK. I have studied here for 5 years at a good university that is part of the Russell Group. I completed both my master's and bachelor's degrees with high 2.1 grades. During my university years, I had a couple of internships and some work experience in a pub. Despite my qualifications and experience, finding a graduate position was incredibly challenging.
I'll be honest, in the beginning, I wasn't really applying for jobs. My daily application rate was low, and my self-esteem suffered as I had no idea how to do it properly. What kept me going was the motivation that if I didn't do it, I would fail to live up to what my parents had provided for me. My go-to tool became a chat GTP for cover letters, tailored CVs, and sometimes interview preparations.
Out of all the interviews I had, 70% led to nothing. I applied to more than 600 jobs during this period, got around 20 interviews, and only 3 led to second/final round interviews. Interestingly, those 3 interviews that led me to the next stage came from "Quick apply" postings, which said "send your CV and Cover letter to this email." I would advise others to pay attention to the "quick apply" posts. The first company that invited me for an in-person interview was great and had interesting people. They even covered my transportation costs. However, they sent me a rejection on Sunday via an automatic reply. This devastated and demotivated me for at least a week. I wished they had sent me a personalized rejection on Monday, especially since they had brought me to the final round. On top of that, in the email, they said they would be happy to provide feedback if I requested it, but when I did request feedback, no one ever got back to me.
Just before that, I directly contacted a company called Prohibition Partners through their info email. They contacted me back and I had an interview with one of the Data Analysts. They seemed happy with me and asked me to do a research project on the Weed market in Canada to see how I can conduct market research. I completed the research and was told they would review it and get back to me, but I was ghosted.
The last interview was nice, and I got it through "Quick apply," where it said to send the CV and Cover letter directly to the recruiter's email address. The phone screening went well, and the interview stage went well too, but unfortunately, they went with a more qualified and experienced candidate.
After half a year, I finally got something - an internship that I received through a cold emailing, and I hope they will give me a returning offer afterward.
How was this whole job search experience? It was fucking horrible. I hated the repetitive workdays and fucking workday website, the same typical questions everywhere, and the re-typing of information from my CV that was already provided in the CV. It felt like they shouldn't ask for a CV if they're just going to ask for the same information again. The whole job market feels insane right now. However, stay strong, there is a chance, but you never know where it's going to come from.

In this edition of “Odd Titanica”, we are going to dive into the sleazy, opportunistic world of show business. A world that comedian Fred Allen said of, “you can take all the sincerity in Hollywood, place it in the navel of a fruit fly, and still have room for three caraway seeds and a producer’s heart”. Hyperbolic? Let’s take a look at Hollywood’s response to the Titanic disaster to see that there really is no business like show business.
Dorothy Gibson and the lost, first, film are well worn trivia by now. The traumatized actress rushed into production, her inability to process her trauma causing her mental breakdown, collapse, and retirement from acting immediately after the film was finished - it’s a perfect story to demonstrate the callousness of the film industry. But there is more to the story, and digging deeper shows us that “Saved” may have been the least sleazy project undertaken by the studios.
Dorothy’s account of the sinking and the suffering she endured filming “Saved from the Titanic” are predominantly found in two sources - The New York Dramatic Mirror and Moving Picture World. These were trade magazines, published weekly, and consisting solely of material related to the stage and screen business. These would be announcements of upcoming features, casting news, celebrity gossip, technical news - anything the movie star to the man sweeping the floor at the cinema needed to know. And they included ads … lots and lots of ads.
Immediately realizing that Titanic was not only a horrible tragedy but an incredible business opportunity, Moving Picture World got to work. As people stormed White Star Line offices, and raided newspaper carts for any drop of news regarding the sinking, Moving Picture World provided the latest in Titanic news; or perhaps we should say “Titanic” news.
The headlines of the April 27th issue may have screamed TITANIC, but as the public grabbed their copy and hurriedly flipped through the pages, they found that what they were actually given was ads. Those eye grabbing headlines were followed by much smaller print-
TITANIC EFFORTS... are being exerted by Champion to put before the exhibitors that will make them regular Champ Patrons! Get the following latest [releases] and you’ll be convinced!.
UNSINKABLE … is the reputation of Rep productions, but these two releases will sink into the minds of everyone who sees them and will remain there as worthy object lessons.
THE CRY OF THE CHILDREN …suggested by the poem of Elizabeth Barret Browning in 2 reels this Tuesday!
THE GREATEST MOTION PICTURE OF NATIONAL INTEREST - THE SINKING OF…. the big battleship. Remember the Maine!
THE DEATH SHIP...a sensational two reel drama of the sea containing one of the most thrilling dynamite explosions imaginable!
For all the slimy marketing tricks, flipping through the pages still has plenty of legitimate ads for real Titanic newsreels, movies, and a specific type of presentation known a Myriorama involving painting, music, and recitation. But, show business would strike again - the ads were legitimate, but what they were advertising was not. History has sort of forgotten the huge demand for Titanic media in the wake of the sinking, something that didn’t really exist. When cinema owners would order these “only surviving genuine negatives of the disaster” complete with lobby display package, they instead received-

our astonishment to find the Lusitania and Olympic, and one or two scratch films of ancient days posing as pictures of Titanic.

But they didn’t stop. Animated Weekly advertised that they were “the first to reach the wreck… chartered a tug from Cape Breton and rushed to the scene while the survivors were still in the water”. Cinemas began to promote footage of the sinking. Audiences wrote their disgust to Moving Picture World-

These representations are to the point of criminality … Take, for instance, the picture showing the Titanic with about a sixth of her forward length stuck into the iceberg. Everybody knows the collision did not occur in that manner!

They pointed to the following ad as an example - FIRST PICTURES OF THE TITANIC OCEAN DISASTER. The cinema owners responded by noting that they had misread, crammed in tiny letters were the words “sunk in” so that ad actually read FIRST PICTURES OF THE TITANIC sunk in OCEAN DISASTER. It was the customer's fault, they said, to be stupid enough to think anyone could have actually filmed the sinking.
Once this ruse was discovered, the studios shifted gears. The next step was to advertise film along with presentations by “A Lecturer who was on board”. When the audience realized the lecturer was not on Titanic and demanded a refund - the response from the managers was

Those signs didn’t say he was a survivor.

… and any attempt to charge him with the crime of fraud was absurd because, in his own words-

Of course I didn’t give him his money back. The sign didn’t misrepresent anything. West was on the Titanic, the sign didn’t say when he was.

…which was true. The lecturer, Eugene West, had visited Titanic while she was under construction at Belfast.
As for the movies themselves?

We said we had pictures. If people were foolish enough to think we meant moving pictures, that was their fault.

This particular cheated audience member was told if he wanted his money back, to go on the street and sing for it. Whether it was this, or something else, eventually the public snapped and began hauling out cinema managers and beating them in the streets. By May, the mayors of Boston and Memphis had banned the showing of any Titanic pictures - moving or still- within the city.
But, where was Dorothy in all this? Tucked in the very back of the magazine, after another newsreel ad,, we get to the celebrity sighting and gossip section. Ed Lux of the Rex Film Exchange was in town, Dan Markowitz of Fox Pictures was as well, Arthur Schmidt of the Victor Film Company was seen having a lovely spa at a Turkish Bath, Sam Gobel of the St Louis Motion Picture Company has been walking up and down 42nd street, we don’t know if Southern film maker Henry Wasserman is still here but he might be, Dorothy Gibson survived the sinking of the Titanic, and the Director of Selig Pictures took some actresses to Santa Catalina for a swim and a photoshoot and they had a great time.
By the following edition, on May 2nd, Moving Picture World was also able to provide its readers with the first stills from “Saved from the Titanic” and a feature on Dorothy. Along with this, tucked in the editorials, the magazine finally published a piece of truthful news about the Titanic disaster-

Senator William Alden Smith … declined to grant permission to have the cinematopgraph make a record of the sessions of the committee. “The sessions” he is quoted as saying…”are solemn affairs and must not be hippodromed or commercialized”. He is, however, falling into a serious error in judgement-

…they sniffed.

As a matter of right, the camera man ought to have been permitted. The day of the enfranchisement of the motion picture will surely come .. which will give equal rights to the cinematographer and the newspaper man.

Then, among the illegal false advertising and reports of public brawls at the cinema, they ended with-

The lesson of the Titanic disaster and all its incidents can be made far more impressive by pictures that move than by mere words in cold letters.

When you find yourself in the dark pit of tax debt, an Offer in Compromise (OIC) may seem like a beacon of hope. This tax relief option allows you to settle your taxes for less than you owe. It’s a valuable program for those experiencing financial hardship and needing a fresh start. Unfortunately, approval is not guaranteed. The IRS rejects more than half of the applications it receives, so it’s best to be prepared. In this post, we'll discuss some of the reasons why an OIC is declined, as well as your options after the IRS rejects your Offer in Compromise. Learn more here - https://www.taxdefensenetwork.com/blog/what-now-exploring-your-options-after-a-rejected-offer-in-compromise/

In this edition of “Odd Titanica”, we are going to dive into the sleazy, opportunistic world of show business. A world that comedian Fred Allen said of, “you can take all the sincerity in Hollywood, place it in the navel of a fruit fly, and still have room for three caraway seeds and a producer’s heart”. Hyperbolic? Let’s take a look at Hollywood’s response to the Titanic disaster to see that there really is no business like show business.
Dorothy Gibson and the lost, first, film are well worn trivia by now. The traumatized actress rushed into production, her inability to process her trauma causing her mental breakdown, collapse, and retirement from acting immediately after the film was finished - it’s a perfect story to demonstrate the callousness of the film industry. But there is more to the story, and digging deeper shows us that “Saved” may have been the least sleazy project undertaken by the studios.
Dorothy’s account of the sinking and the suffering she endured filming “Saved from the Titanic” are predominantly found in two sources - The New York Dramatic Mirror and Moving Picture World. These were trade magazines, published weekly, and consisting solely of material related to the stage and screen business. These would be announcements of upcoming features, casting news, celebrity gossip, technical news - anything the movie star to the man sweeping the floor at the cinema needed to know. And they included ads … lots and lots of ads.
Immediately realizing that Titanic was not only a horrible tragedy but an incredible business opportunity, Moving Picture World got to work. As people stormed White Star Line offices, and raided newspaper carts for any drop of news regarding the sinking, Moving Picture World provided the latest in Titanic news; or perhaps we should say “Titanic” news.
The headlines of the April 27th issue may have screamed TITANIC, but as the public grabbed their copy and hurriedly flipped through the pages, they found that what they were actually given was ads. Those eye grabbing headlines were followed by much smaller print-
TITANIC EFFORTS are being exerted by Champion to put before the exhibitors that will make them regular Champ Patrons! Get the following latest [releases] and you’ll be convinced!.
UNSINKABLE … is the reputation of Rep productions, but these two releases will sink into the minds of everyone who sees them and will remain there as worthy object lessons.
THE CRY OF THE CHILDREN …suggested by the poem of Elizabeth Barret Browning in 2 reels this Tuesday!
** THE GREATEST MOTION PICTURE OF NATIONAL INTEREST - THE SINKING OF**…. the big battleship. Remember the Maine!
THE DEATH SHIP...a sensational two reel drama of the sea containing one of the most thrilling dynamite explosions imaginable!
For all the slimy marketing tricks, flipping through the pages still has plenty of legitimate ads for real Titanic newsreels, movies, and a specific type of presentation known a Myriorama involving painting, music, and recitation. But, show business would strike again - the ads were legitimate, but what they were advertising was not.
History has sort of forgotten the huge demand for Titanic media in the wake of the sinking, something that didn’t really exist. When cinema owners would order these “only surviving genuine negatives of the disaster” complete with lobby display package, they instead received-

our astonishment to find the Lusitania and Olympic, and one or two scratch films of ancient days posing as pictures of Titanic.

But they didn’t stop. Animated Weekly advertised that they were “the first to reach the wreck… chartered a tug from Cape Breton and rushed to the scene while the survivors were still in the water”. Cinemas began to promote footage of the sinking. Audiences wrote their disgust to Moving Picture World-

These representations are to the point of criminality … Take, for instance, the picture showing the Titanic with about a sixth of her forward length stuck into the iceberg. Everybody knows the collision did not occur in that manner!

They pointed to the following ad as an example - FIRST PICTURES OF THE TITANIC OCEAN DISASTER. The cinema owners responded by noting that they had misread, crammed in tiny letters were the words “sunk in” so that ad actually read FIRST PICTURES OF THE TITANIC sunk in OCEAN DISASTER. It was the customers fault, they said, to be stupid enough to think anyone could have actually filmed the sinking.
Once this ruse was discovered, the studios shifted gears. The next step was to advertise film along with presentations by “A Lecturer who was on board”. When the audience realized the lecturer was not on Titanic and demanded a refund - the response from the managers was

Those signs didn’t say he was a survivor.

… and any attempt to charge him with the crime of fraud was absurd because, in his own words-

Of course I didn’t give him his money back. The sign didn’t misrepresent anything. West was on the Titanic, the sign didn’t say when he was.

…which was true. The lecturer, Eugene West, had visited Titanic while she was under construction at Belfast.
As for the movies themselves?

We said we had pictures. If people were foolish enough to think we meant moving pictures, that was their fault.

This particular cheated audience member was told if he wanted his money back, to go on the street and sing for it. Whether it was this, or something else, eventually the public snapped and began hauling out cinema managers and beating them in the streets. By May, the mayors of Boston and Memphis had banned the showing of any Titanic pictures - moving or still- within the city.
But, where was Dorothy in all this? Tucked in the very back of the magazine, after another newsreel ad,, we get to the celebrity sighting and gossip section. Ed Lux of the Rex Film Exchange was in town, Dan Markowitz of Fox Pictures was as well, Arthur Schmidt of the Victor Film Company was seen having a lovely spa at a Turkish Bath, Sam Gobel of the St Louis Motion Picture Company has been walking up and down 42nd street, we don’t know if Southern film maker Henry Wasserman is still here but he might be, Dorothy Gibson survived the sinking of the Titanic, and the Director of Selig Pictures took some actresses to Santa Catalina for a swim and a photoshoot and they had a great time.
By the following edition, on May 2nd, Moving Picture World was also able to provide its readers with the first stills from “Saved from the Titanic” and a feature on Dorothy. Along with this, tucked in the editorials, the magazine finally published a piece of truthful news about the Titanic disaster-

Senator William Alden Smith … declined to grant permission to have the cinematopgraph make a record of the sessions of the committee. “The sessions” he is quoted as saying…”are solemn affairs and must not be hippodromed or commercialized”. He is, however, falling into a serious error in judgement-

…they sniffed.

As a matter of right, the camera man ought to have been permitted. The day of the enfranchisement of the motion picture will surely come .. which will give equal rights to the cinematographer and the newspaper man.

Then, among the illegal false advertising and reports of public brawls at the cinema, they ended with-

The lesson of the Titanic disaster and all its incidents can be made far more impressive by pictures that move than by mere words in cold letters.

Councilwoman Ladel Lewis was quick to defend the former DDA Director Kaira May, who spent $20,336.75 of government funds on personal items. Lewis went so far as to lie and claim that some government agencies allow the use of government credit cards for personal expenses. The money has yet to be repaid.
May’s spending was originally brought to public attention on May 22, 2023, when Flint City Councilman Dennis Pfeiffer shared a letter he penned to Mayor Sheldon Neeley, who serves as the chairman of the Flint DDA Board, on his social media page.
Flint Beat has since reviewed the credit card statements to which Pfeiffer referred and confirmed there are multiple charges to hotels, restaurants, and a local nail salon dating back to at least June 2022.
Can we please recall this cancer once and for all?

So I just graduated from my university with my bachelor's degree (in a health profession) and will be attending the same school this fall for my masters degree. While preparing for grad school, I applied for a scholarship offered by my school and applied for a GA position, but unfortunately, I'll be starting grad school with neither. I'm obviously upset because I wasn't considered, but I also feel frustrated because of the circumstances surrounding these situations. I could use opinions on whether I'm acting irrationally because of hurt feelings or if I'm involved in a potentially unfair situation.
When I was applying for my school's masters program, I only applied to one of the merit-based scholarships that they offered. While I did do this for financial reasons (the scholarship I applied to offered the biggest financial reward), I also did this because I believed I didn't fully qualify for the other scholarships (for example, one scholarship stated it would show preference to a student that had experience and wanted to work with clients of a specific age with a specific diagnosis, and I lack experience with this demographic). So I knew that I had a small chance of receiving any scholarship money from my school, given my own decison to only apply for one. It turns out that applying didn't even matter though, as I found out that more than one person was rewarded with one of these scholarships, even though they stated themselves that they never even applied for them. How is it fair for someone to be granted a scholarship they didn't apply to? Each scholarship required letters of rec and a personal statement outlining why they'd be a good fit, personal experience, and proof of commitment towards our field. How could they get these scholarships without putting in the necessary requirements? And, of course, this made me wonder that if an application didn't matter, why wasn't I considered?
I'm also frustrated with what's been happening with the GA position. Faculty gave us a vague idea of when the applications for this position would open, but never ACTUALLY announced it to us at large. It took me checking our school's career page every week to see if applications had opened. When I asked a professor for a letter of rec for my application, they accidentally revealed that some of my other classmates had already asked for a letter, and thus, had already applied. So not only did our program fail to inform all of us of when the applications opened, but some of my own classmates knew about it and kept it to themselves. During the last week of class, I found out that I had qualified for an interview. I heavily prepared for my interview and honestly thought I did really well, but I wasn't chosen. I don't know how many other people also got an interview (it definitely wasn't everyone who applied), but I do know of some other people who got an interview, and I have a gut feeling that they might've been chosen. And tbh, if it was just them and me who made it to the interview process, I never stood a chance. I have nothing against them; they're incredibly kind and considerate people who have also worked hard to succeed in our program and extracurriculars. We all get along well even if we have our different friend groups. However, there's definitely an ounce of preferential treatment that sometimes goes their way that has been felt by myself and others. This is obviously all speculation, because I don't actually know if they're the ones who were chosen, but I was taken aback that upon hearing that I wasn't considered, some of my other classmates came to the same idea/conclusion that I did: that they must've been chosen for the positions. I can't help but wonder if they really are the ones who were chosen, and I can't stop wondering what it is that I'm lacking in comparison.
It's not like I was an irresponsible student either. I graduated with honors and a 3.86 gpa. I was part of our program's club and also served on the executive board for it. I never had a missed or late assignment and I only missed class once due to an illness that was excused. I performed well during clinicals, being given full marks by my supervisors, and more than once, my professors referenced my work ethic and diligence in succeeding in the work/expectations they gave me. Rationally, I know that they were also qualified, but given past experiences, I can't help but think that part of the reason I wasn't chosen for any of the scholarships or the position may be due to preferential treatment.
Someone please tell me if i'm reacting like a butthurt child or if my concerns are warranted. I'm more upset than anything after finding out I wasn't considered for either of these opportunities (and not knowing why), and I need to know if i'm being irrational.

Hi all, I started at a company in Tokyo ~1 year ago and I've been asked to resign in return for 3 months severance. It doesn't seem like I have much room for negotiation, so will likely soon accept it, then figure out my next steps. My main priority is staying in Japan.
I work in a niche field as an English speaker, so I know that it will be a daunting task to find another role. Because there aren't a ton of jobs in my line of work, how strict is immigration if I do not find a new job in 3 months? I still have 4 years on my work visa, but I'm unsure how much "proof" they need if I don't shoot out a ton of applications since there not being a ton of openings in my field. I've heard mixed reviews here; some say that immigration often allows you to stay out your full work visa regardless, but I wouldn't want to get blindsided with a letter immediately forcing me out.
Again, my priority is staying in Japan, so if I do not find a job in 3 months and immigration wants me to leave, is there any difficulty in switching from a work visa to student visa for Japanese language school? I wasn't sure if there are additional issues in getting a student visa if you already have a work visa.
Thank you for your help - I appreciate it.

Florida here
Timeline:
Step 1 - Initial application 12/10/2022 [51 years old]
Step 2 - Non-medical review 12/22/2022 - sent to DDS same day
Step 3 - DDS completed medical review 03/25/2024
Step 4 – final review sent to local SSA 03/25/2024 was then sent to Baltimore same day
Step 5 - Final review completed 05/13/2024
There is no Benefit Verification Letter available yet, however I received an email on 3/22/2024 [Friday] that my submission status has been updated. I called my caseworker on 03/26 and was told that I have been approved. I know she was not supposed to tell me, but she did. I’m trying not to get too excited and wait on the letter to make sure. I might call my local SSA to verify.
I am able to see all the information below the Benefit Application which was not accessible while my application was being processed.

has anyone received a physical letter from UofT, but no online offer on OUAC or UofT's applicant portal ? my bf got a physical letter in the mail about a week ago, but there isn't an offer on OUAC. he also checked the joinID site and under application status, it said to go to the applicant portal, but he couldn't find his offer there either ? when he submitted his application (chemical engineering), his video interview was left incomplete, and anytime he opens the applicant portal it just says "incomplete" ? we're both very confused, just wondering if this has happened to anyone else and what he should do/expect ?

On Feb. 9, 2022, I officially became "Homeless" on state record and applied for rent and housing assistance in Knoxville through KCDC/Section 8.
Per today's date:
Zeitraum = 825 days aka 27.123 months. This is exactly the length of time I've been surviving homeless.
It wasn't until THIS YEAR that my name "officially" has gone from being on their "PRE-waiting list": aka the long-ass waiting list you're on BEFORE graduating to the "OFFICIAL" waiting list.
*Btw, no one informed me of this being their process. I waited for many hopeful months while living out of my car, waiting to be called that I contacted them to get the news of only being on the PRE-waiting list- List. Good shit...
So, I decided to visit KCDC in-person last week to speak to them about my still pending status and ask if there were any actions I could take to help my chances of having a place to call home...
FYI: The Broadway location is ONLY for applying to any of their listed complexes. Unfortunately, ALL their waiting lists are also completely full.
*The Harriet Tubman location is for applying or relating to receiving vouchers for financial rental assistance.
FYI: you can ONLY APPLY for a voucher between their generous hours of 8AM-3PM only on the 2nd WED of each month, just fyi for any new applicants.
All I was told at each location was to "continue waiting" and that I would one day be contacted whenever my name came up.
The housing costs in Knoxville, especially have risen quickly dramatically even since when I very first began applying and they'll continue this trend.
**BTW, they're SHUTTING DOWN our Homeless Shelter on Broadway due to a LACK OF FUNDING (good timing), so yet another option we can all cross off our lists of any places to lie our heads down at night.
Pretty ironic that TN is the FREAKING VOLUNTEER STATE, considering... "GO VOLS", am I right??
See news link here: https://www.wate.com/news/knox-county-news/the-foyer-a-low-barrier-knoxville-homeless-shelter-set-to-close-as-officials-seek-new-operato
Oh yeah, HOMELESSNESS IN TN is also now a CLASS E FELONY!
*You are automatically disqualified from receiving public assistance such as Section 8 and SNAP benefits unless you've fully paid off ALL FEES (up to $3,000 for being homeless) and have fully completed your probation period! *KEEPING THINGS REALLY CLASSY, TN! 😜 (Also, you can't sleep in your vehicle at any rest stops, either. Also illegal. You can sit there in your car for only 3hrs max.)
"In Tennessee, felonies are classified from A to E, with Class A being the most serious and Class E being the least severe. A Class E felony in Tennessee is the lowest level of felony. It includes offenses such as theft of property valued at $1,000 to $2,500, certain driving offenses like third or subsequent DUI offenses, stalking, and forgery. The typical punishments for Class E felonies in Tennessee include: 1. One to six years of imprisonment (PRISON TIME, not jail), and/or 2. Fines up to $3,000. (Also, just pointing out that with any Class E felonies, being the "least" serious felony, if any fines for the offense are deemed as "unspecified" in their books, they then have the capability to charge an offender up to $50,000.)
However, these punishments can vary based on a variety of factors such as the exact nature of the crime, whether or not the defendant has a prior criminal record, and other relevant factors considered by the court." See specifics here: https://codes.findlaw.com/tn/title-40-criminal-procedure/tn-code-sect-40-35-111/
Covertly, they've named this abomination as the:
"Equal Access to Public Property Act of 2012.” Makes it sound so helpful and positive for us, doesn't it? Thanks, guys! LOL!
See below what all is covered, including: **If they happen to search and find any of your stored belongings (likely being at times literally their entire life's possessions, including if they find you've stored your food somewhere) the police will immediately confiscate it, and then you will have a total of 90 days to go to them and claim all your belongings or else they'll consider it as "abandoned property". You must detail exactly where on the property that they found your items, so that they then will slap you with a Class E Felony, charge you a "holding fee" for whatever amount of time they "stored" it for you, also stating that "the court shall include an order of restitution for any property damage or loss incurred as a result" of you or your belongings being present on the state property. But hey, at least you get your items back!
https://law.justia.com/codes/tennessee/2021/title-39/chapter-14/part-4/section-39-14-414/#:~:text=It%20is%20an%20offense%20for,agency%20responsible%20for%20the%20land.
My Story: (if you've made it this far and give any shits about hearing it for the sake of context.)
Around 1 year-deep into the COVID-19 pandemic, I had been living in an expensive house centered in the North Knox Historic District, working FT at a job I'd spent the past few yrs diligently climbing their ladder, and splitting the house payment with my then, Fiancee of 5 1/2 yrs. He began dating a different girl, had moved her into our house, while stating that "If I didn't stop being depressed, he was going to kick me out". Unfortunately, the house had been put solely in his name when bought. You see, my grandmother had just passed from COVID-19, my childhood best friend had just passed away, and I had been informed suddenly that my 84yrs-old dementia-ridden Father was getting worse and also nearing his last days. Not long after, my older sister contacted me acting upset, stating that he now needed to be on continual watch for FT care, so I packed my things, left my fiancee and my then home and moved in to care for my late father. Eventually, I had to leave my job to fulfill my caretaking duties but I don't regret being there for my father but it grew to be very difficult times, as it was for many those yrs. Dad passed away Jan. 31, 2022. My mother immediately inherited the house at his death, per their messy divorce agreement many yrs before. She so graciously left no time after me literally watching him take his very last breath in the bedroom down the hall from my own for her to serve me immediate eviction papers, now forcing me to leave the home that I grew up with my father in, while being raised. This house, I had only 1 year previous, agreed to my mother and sister when they had requested this of me, quit my long-term, FT job, losing all my sources of income in order to live with and solitary care for my father. (Everyone else- meaning my mother and 3 sisters -were all "too busy" to help me out or give even short breaks. I'm informing you of this, so that anyone that ever says to themselves, "why don't they just go live with family", can comprehend how that's not an actual option for everyone, so when the systems are failing, ppl aren't always on the streets or living out of their cars bc of drug problems or laziness or whatever other common misconceptions I've heard from ppl that are limited in grasping these situations for others. That last month that he was still alive, they all "forbade" me from leaving the house at all nor having any visitors "for his health", despite my deep despair from watching his health ferociously decline, resulting in my very rapidly declining mental health and massive weight-loss and over-exhaustion. Upon receiving my eviction notice, I then immediately began applying for Section 8 assistance. I had no one left and nowhere to go. It's like this for a lot of people. Don't assume ppl always have any other options available, is my point of giving so much backstory. Not exactly trying to "victimize" myself here for pity. I'm strong, I've got this. Just trying to get some points across for when you judge another's situation that you don't know.
Ok, here's the last I'll say about all this. Just humor me and try to consider what I'm pointing out here.
Every single one of us local TN natives have seen through the years how various homeless individuals will bravely step into some of our favorite local diners, gas stations, retail stores, etc. Them, asking employees permissions for maybe utilizing a restroom, some cold water or a drink, often after them walking around most the day (shelter kicks everyone out once it's morning), often after being in our unforgiving weather or high temps. Sometimes, they're asking even for a small bite to eat or leftovers from the kitchen. SO MANY times throughout the years, we've all been standing by, as we witness some enraged employee or the manager angrily decline, followed with often loud threats of calling the cops on them, etc in an attempt to motivate them to not come back asking later, as now they see how many of their annoyed paying customers are actively shaking their heads and shaming their whole interaction with rotten looks of disgust.
I mean after all, our businesses ABSOLUTELY can't be taking any risks of "losing their dedicated customers, just BC some "lazy bums" keep showing up, "always asking for free handouts" and "scaring away our business".
Really, it's best to just not give them anything in the 1st place cus ya know, just like strays, they'll "just keep showing back up"...
Right?
Excluding sometimes a random kind individual's exception, for the most part this mindset I'm highlighting here has most often worked as an sorta unspoken "Golden Rule" when we're relating to how we'll decidedly "handle" our large and growing homeless population.
Now that our housing prices have fully skyrocketed, with increases markedly on the rise almost immediately after the COVID-19 Pandemic that left so many of us without income that was supporting our access to necessities. Many, many "middle-class" individuals who were previously working averaging their 5 days/week (ty past labor strikes enforcing our allowance of 2 days off) and living comfortably on their 40hrs/week paychecks are currently struggling to find availability and also afford even a 1br ran-down apartment in our "lower-class" neighborhoods. Most are now working multiple jobs trying to keep up, and childcare isn't offered for free, so it keeps everyone from having opportunities to not only spend time raising their children vs random strangers who are also overworked, but how can you save money when you're losing part of what you earn, just to be able to go to work and not be fully abandoning your children to fend for themselves if left home alone?
Often, homeless ppl can be seen all throughout our city, and guaranteed to be growing in mass numbers when inching closer toward that underpass leading up to the Historic Gay St./Downtown/UT campus/Cumberland Strip. *It's really fairly ironic I've thought, how so much of our income has always been made/spent here, however we're required each time, to first drive through the huge crowd of terribly unfortunate ppl left standing without their bare necessities, often left to sleep outside the packed shelter when it hits capacity, which is always a guarantee. They're not left outside strictly bc they're "on drugs", like a lot have been led to believe.
Lastly, but oh of such an amazing relevance-
**Here's some realism surrounding our cultures' universally pre-conceived (disconnected/egotistical and mis-informed), accepted stigma that states the following phrase:
"These ppl just won't get a job bc they're SO LAZY and just want to live off all us hard-working American's tax dollars...blah blah blah.." Employers won't hire if you don't have an address and the shelters fail to deliver anyone's incoming mail, nor do businesses want to hire a homeless person showing up without proper hygiene or attire or any kind of criminal record. Also, transportation is a bitch. KAT bus costs money, and is very limited on its area services. By walking such lengthy distances, not only can your safety be at risk (especially for Females or any shifts beginning or letting out after dark) but you're gonna be super sweaty and gross by the time you actually arrive to then work a full shift, if you can even somehow make it on time every day by walking for hours before and then after every single shift that you show for.
This isn't any kinda "new" issue for the poor, btw. Don't be such heartless fools, making someone else's situation about "you".
Life's realities can forcibly humble an individual, catching us off-guard for what we'll often end up facing. Always count your blessings and never assume you know anything about anyone else's struggles or how they got there. We're all just trying to survive in this place.
Thanks for reading and hopefully this info helps bring insight to whomever reads this. Good luck out there, I mean it. We got this. ❤️

TLDR: GP gave insurer medical records about me without asking.
Background: I was involved with several incidents last year, which really impacted my health. I was paying for it out of my own pocket, but after some persuading by my mates I decided to go through workers comp. The specialist bills and rehab start to add up fast! So mostly just wanted help with that as I get back to normal. So I went to the GP and got him to fill out some paperwork.
As part of the application, you have to agree to let the insurer contact your doctors. I assumed that the process would be like: 1. Insurer writes to my GP 2. GP let's me know (in general terms) what they want. 3. I can say yes or no. Or, at least my GP would tell me shortly after the fact.
Sure, it might be better if the insurer has access to information. Otherwise it might look like I'd just made stuff up. But I still would've liked to be asked, or know it'd happened.
I wasn't asked. The insurer got a letter from my GP, a list of medications I take, and patient records about me. Some were related to the claim, and some weren't.
This all has me feeling a bit uncomfortable. I'm no longer seeing this GP. But I guess I wanted to know if it's normal? I have no idea because I've never been through anything like this before.
Things you might be wondering: My claim got accepted. Insurer said it wasn't because of my GP's letter. They said it was because of the independent medical exam I had to have.
Now seeing a new GP. But kind of wondering if I should be more careful about what information I share with GPs in future? Nothing to do with the claim, it was all above board. But like all people, I occasionally see doctors for things that are embarrassing.
I found out by accident. I got a call from an allied health professional I saw, asking if I was happy if they reply to the letter they got. I asked my GP if he also got a letter. He said yes, but only provided 'limited information' in response to it. I wasn't convinced so contacted the insurer to see copies of the correspondence, which they recently gave me.

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 if I should give up on this unhappy marriage.

Hello, I viewed an apartment from Zillow on Thursday and did the application yesterday. I also had to put my ssn and stuff into a secure portal for a background check/credit report. The renter then wrote up the lease and I signed it. Right after that, they requested an ACH form for automatic rent payments to be withdrawn from an account and a generic "tenant summary form" which has a slot for ssn, dob, drivers license, etc. I'm obviously hesitant to send this over via a word doc to a generic email. Is providing my ssn after having signed the lease necessary?

As the title suggests, may nag try na ba gumawa nang sarili nilang Valid ID nila as a freelancer? While I do have a business registration with BIR as a freelancer, wala akong DTI registration since hindi naman siya necessary required when you register as a freelancer. So bali yung full name ko mismo yung trade name ko.
Problem is though, whenever I submit applications na hinahanapan ako nang company ID (Credit Card, Loans, Etc), I often get rejected since wala akong ID. Kahit yung business registration ko yung ipakita ko as my "company ID", ayaw nila tanggapin.
That said, has anyone tried creating their own valid ID to address this dilemma? Like, literally whip something out from Canva, have it made into an official physical ID, and use it for these kinds of transactions?

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My wife and her friend are currently in Ireland and need to come back early due to an injury. They are having a nightmare trying to change their flights because whatever credit card processing company Iceland Air uses, it keeps declining their cards.
I know two out of the three cards are VISA and ALL have a travel alert notice on the card. One was issued by a credit union, another by Bank of America. Three times now they've provided their cc info, it was accepted initially, then maybe an hour later they received a notification that it was declined.
This morning my wife's friend used yet another cc and it worked (well, at least for now).
Has anyone ever ran into a nightmare like this? Any suggestions on what they can do if this 4th cc is declined? Do all airlines use the same cc processing company?
I just can't believe their systems are so screwed up that they can't process three different credit cards, ALL of which have a travel alert and ALL of which have plenty of available credit.
The only option I can think of is to try another airline if this 4th cc gets declined, but I'm concerned it will get declined too if that airline uses the same cc system.

I’m trying to get an Apple Card but one of the questions I was asked was regarding annual income. I have income from internships, but it’s a rather small amount.
I saw other people mention adding scholarships and financial aid onto your income and reporting that as your annual income. Is that something I could do?
For context, I will be attending college this coming Fall 2024 and was offered a significant amount of money in financial aid, all in the form of grants, no loans. Would that contribute towards my income for an Apple Card application, or would it only be through a job that I held in the past year?
If I do include grants as a part of my income, should I be waiting until Fall 2024 when those grants kick in for things like tuition, housing, food etc to apply for an Apple Card and list grants as a part of annual income?
I do intend to use an Apple Card like a debit card and just paying it off with available checking account balance. So I don’t really mind if I start with a lower limit bc of lack of history or credit score etc.

My fiancé (m27) and I (F25) got engaged in October of last year. Our wedding is August of this year. We have always planned on having a small wedding as we are paying for everything ourselves. We also want our wedding to be child free so everyone can relax for the day and because we have a lot of cousins and friends with kids so inviting everyone would increase the head count significantly.
We discussed who we wanted to marry us pretty early into planning and decided it would be nice if my aunt/godmother (f42) would do it, because she made me her maid of honor when I was younger because I was there with her and helped her through her through her cancer treatment. She was ecstatic when we asked her and said yes.
For context, I was very close with my aunt and grandparents on this side of the family growing up. We have drifted apart in recent years since me and my fiancé began dating and I moved out of my parents house at 18 with him. They wrote me letters openly expressing that they were unsupportive off my relationship when I moved out and stated that they “didn’t raise me to be like this” (they didn’t raise me) but we have moved past it in the past few years and started seeing them a bit more (usually once a year at Christmas.)
Anyways, after I sent the save the dates, ( my aunts was addressed to just her and my uncle and not their children since it is a child free event) my aunt texted me asking if her kids were invited. I responded “No, unfortunately, our wedding is going to be child free. I’m sorry!”
Immediately I got a call from my grandmother asking “why I’m doing this to our family.” I tell her our wedding is child free, my intention isn’t to hurt or target anyone. Basically tells me I need to stop being selfish and they won’t be able to come to my wedding because they won’t be able to find childcare. I told her I really hope they’ll be able to find childcare in the next 10 months because I would love for them to be there.
After I got off the phone with her, I texted my aunt apologizing for hurting her or the kids, explaining again that there are going to be no children at the event, and it had nothing to do with them in particular. I didn’t hear back.
I followed up with her 2 more times asking if she still was going to come to the wedding and marry us and I never heard back. I followed up a month later to let her know that because I never heard from her I found someone else to marry us. She called me a few hours later, but I wasn’t able to answer the phone. I sent a text saying we can talk on Saturday. I forgot to call her and she never reached out to me. We have not spoke at all since then.
I sent out my wedding invitations this week and my aunt RSVPed and declined their invitation. She also texted my mom and told her she isn’t coming to my wedding shower. I think it’s totally reasonable to have a child free wedding and to be selfish with who we invite. But maybe I’m missing something? Am I in the wrong for this?

Hello, I Just got my 3rd AP approval!
Timelines: Sent in application on Feb 11th Received on Feb 14th Approved on May 10th
I’m guessing my times were approved (6 weeks from July-August). I haven’t received the actual letter so I can’t verify the dates yet.