International insurance adjuster jobs

I am a student. I have insurance with MORCARE. I went to physiotherapy place for a physiotherapy appointment and a massage service. I didn't like the services so thought of not going back there again and did not leave any negative reviews or nothing. I went again to a different for similar treatment where they brought to notice that all of my remaining services balance was exhausted. I came back - called morcare and upon investigation they let me know that i have been charged a number of services which i didn't take from the first place. I immediately said i haven't taken those services and MORCARE people immediately put it on investigation. Next day I got a call from physiotherapy place owner stating that I should have first consulted her before making statement to MORCARE. I replied politely that i didn't know what these claims were so i had to let authorities know to which she aggressively said that they let me know about their policy on the first meeting that if i take a physio service from them I have to compulsorily take all the subsequent services from them and have my sign on the document. I clearly remember there was no such mention of any compulsion still just to be sure i request the documents signed by me. She sent me the documents but there were no such documents stating that i have to compulsorily take all services from her place. Now she is threatening to sue me as well as trying to intimidate considering she is a woman and I am a 26 year old male Student. She is forcing me to call the MORCARE take all the blame on me and she will pay cash to me for the remaining of the services whichever i didn't take. I need legal advice on how can i proceed with this case. Which lawyers in the city of london ontario would deal with this case? How much would the fees me considering i am an international student and not sure if i can even afford a lawyer. Kindly provide and guide with the best course of action.

(Kentucky)
I entered a chapter 13 plan last summer, so coming up on about a year now with payroll garnishments. I a being laid off and receiving my last normal paycheck in August. (When I originally filled, I was about $300 a month shy of qualifying for ch 7).
I have been with the company for 10 years and will likely be looking at about $20,000 in severance, and another $3,000 in vacation payout. (I have a 401k loan that I plan on paying immediately since it is an automatic payroll deduction, which will be about 5k).
After taxes and paying off 401k loan, I will be left with about 15k. I am worried that I will go through this hardship and will have to handover my severance to the trustee, but I am almost 100% positive that I will be taking a pay cut if/when I find a new job and would need the severance to supplement the difference in income over the foreseeable future.
My lawyer hasn't been super helpful with vague or indirect responses, which I understand to a point because everything is hypothetical at this point since I am still currently working, but this is a certain outcome of me losing my job. I am just trying to figure out the best outcome/route I should take. Losing the severance to the payment plan would be throwing salt in the wound after losing my job. I also have MS and will likely have some health flare ups related to the stress, and will have to either re-start a new insurance plan with a new employer, or if I am not employed or keep my current plan with COBRA I will be paying $800 a month out of pocket. I also have dental work that I can't afford currently, which is $1,000 that I was hoping to pay out of severance as well.
I was originally planning on filling for unemployment and using the severance to limp through a few month while I convert to a chapter 7. But I have recently applied for several jobs in anticipation of trying to have a job lined up at the end of my current employment, to establish health insurance, but I am wondering if that would likely change the probability of converting to 7 or filling for a hardship discharge.

Date: 5/13 @ 9PM
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I’ve been re-watching episodes where Dr Bailey started out as a mousey intern, full of shyness, and severely lacking confidence, and became the powerhouse that she evolved into when she initially taught each of the original five.
Bailey loved each of the original five as her own children, that’s why she gets so frustrated when Meredith puts herself in these kind of situations. It’s a mother’s frustration, a mother’s love.
Lets examine Bailey over the entire series run.
She loved each of original five as if they were her own children, and thats why she gets so frustrated when Meredith does something to put herself in these kinds of situations. Its a mothers love…is it not?
I mentioned Meredith’s trial as an example yesterday, and i re-watched it closely and revised my opinion.
She knew as far back as season 3 that Meredith was a pain in her side. Remember the panties on the bulletin board?
Remember her being protective of Meredith and laying into McDreamy when he caught them in a parked car?
She also knew that Meredith had the makings of an excellent surgeon. She knew that Meredith had to go through the refiners fire.
Heres a transcript of her speech.
Dr. Bailey: 'Ever since I first met Meredith Grey I knew she was going to be a thorn in my side. You're worried about her breaking rules? Well, that's not gonna stop. She's been doing that since day one.
And, yes, she broke a law to save a life. So she deserved to lose her job. She deserves to pick up trash. No one should be questioning her license.
She's too good at what she does. And she's worked too hard to get to where she is. And with all that she has survived, it hasn't made her hard. It hasn't made her mean or cold. It hasn't made her not care.
It's made her better. It's made her better than anyone in this room. Well, except me. I'm Dr. Miranda Bailey, chief of surgery at Grey Sloan Memorial Hospital, and I approve this message.'
—————— my reasoning of Dr. Bailey at the hearing————
Bailey doesn’t try to lessen what Meredith has done. She doesn’t try to get her off the hook. She explains why Meredith is such a good surgeon and states that everything she’s been through has made her an even better doctor.
Meredith may make some interesting choices, and some of them may drive Dr. Bailey up the walls, just like children often do. But given their relationship, Dr. Bailey hated Meredith’s actions, but not Meredith herself.
Have you ever been in a situation where someone you loved and cared about did something you you hated and didnt approve of? Did you hate them for it or did you hate *what they did* but not themselves?
You can hate what someone does without hating the person themselves. That is what I believe Bailey has done. In the beginning of the series, she was billed as a not-see (not typing it out)
This was Dr Bailey’s first speech to the interns in S1E1
"I have five rules, memorize them,” she told the interns. “Rule number don't bother sucking up, I already hate you, that's not gonna change, trauma protocol…nurses will page you, you will answer every page at a run. A run, that’s rule number two.”
“Your first shift starts now and lasts 48 hours. You’re interns, grunts, nobodies, bottom of the surgical food chain,” she continued.
“You run labs, write orders, work every second until you drop and don’t complain. On-call rooms, Attendings hog them, sleep when you can where you can, which brings me to rule number three if I’m sleeping, don’t wake me unless your patient is actually dying."
“Rule number four, the dying patient better not be dead when I get there, then not only would you have killed someone, you would have woke me for no good reason, we clear?”
She was responsible for turning out excellent surgeons.
You dont go easy on them and expect them to thrive and survive. You go hard on them. But you want them to succeed.
Otherwise you are just wasting your time, your resources, and the lives of the patients that they lost.
In the current season, Dr Bailey is back, doing what she did in the beginning, but this time she has 20 years experience.
We’ve seen Miranda go soft on people during the series and we’ve seen that doesn't turn out very well. Remember what BCB is an acronym for? What surgeons need is tough love. What surgeons need is someone to inspire them.
Bailey may be straightforward, tough, and full of wit and wisdom. Without a doubt, she is a really good physician and an independent one at that. However that independence has cost her personal relationships such as Ben.
She hated that Ben became a firefighter and is how in a very perilous environment day after day, but she doesn’t hate the guy.
If anything, Miranda has become more compassionate and more open hearted…not hateful
Not too long ago, Miranda started a women’s clinic at the hospital and as a result of her hard work in the face of adversity from the pro-lifers, she wins the esteemed Catherine Fox Award.
How can you do something like that while spreading hate throughout the hospital? You cant.

To start things off, I was always aware of our age gap and problems it may cause in our relationship.
My husband and I didn't meet until I was well into being eighteen, and he was twenty-eight. It didn't bother me much, as he doesn't act much older than me and I'd always felt older than I was due to having a ton of younger siblings, step siblings, and foster kids in and out of my mother's house growing up.
We got engaged when I was nineteen at a yungblood concert, and we originally planned to wait to marry until I was at least twenty. Plans changed when I decided to go into the air force, and we had to push up the wedding in order for him to eventually stay with me on base after basic training.
Fast forward a few months after we were married and I had left for Texas for training, I was injured during PT training and sent home. It was during the craziest parts of covid, so everything was on lockdown and they had strict rules about not keeping anyone on base for a long period of time if injured. I was medically discharged and sent home to heal and have potential surgery.
At the time, my husband was staying with his friend in the city we planned to move to. We already put down a deposit on an apartment when we found out I was going home, but due to Covid restrictions and eviction restrictions, it was returned to us and we were told we could no longer move in.
The first issue I was seeing when I got home was his disattention to me. I was gone for over a month and missed celebrating my twentieth birthday with anyone but the girls in medhold with me, so I was looking forward to spending quality time with my husband.
We went out to eat with his friend, his friend's girlfriend, and one of her friends. I felt like a fifth wheel during the meal, as I was sat at the end of the table instead of being at my husband's side where her friend was sitting. Most of the conversations didn't include me, and I ended up going back to his friend's place feeling let down.
The rest of the time we were staying with his friend, they wanted all of us to go mountain climbing, cliff jumping, and trekking through the woods as they lived in a nature-centered part of the area. (Keep in mind, I was just sent home for being injured, and I had both a knee and ankle brace on my right leg that prevented much movement other than some hobbled walking that was slower than a normal pace).
When I expressed that I wasn't comfortable doing those things and that I wouldn't be jumping thirty feet into a freezing lake when I could barely walk as it is, my husband got upset with me and eventually just left me there alone while they all went to hang out together.
Flash forward four years, it is now 2024 and we have a two-year-old toddler. I didn't end up getting surgery, and I spent nine months being sicker than I'd ever been in my life.
It was a really rough pregnancy for me, and I'd ended up in the hospital multiple times because I couldn't even smell food or step foot into our kitchen without throwing up.
That all went on until the beginning of my third trimester. We decided to travel back to his friend's place, and I was somehow roped into climbing cliffs, wading through treacherous water to climb another cliff on an island out in the middle of a lake, and sleep at the top of sand dunes in a tent on the ground a couple weeks before my due date.
I was then on antibiotics during birth, because my water broke and the hospital sent me home instead of keeping me. My son was born sick, and transferred to a children's hospital to be treated and receive a spinal tap. I ended up sleeping a week in a hard hospital chair in a leaking basement of the hospital because they didn't have enough space for us.
After we were home and everything was settled, my husband would brag about how difficult the whole situation was for him. He had to sleep on a futon during my labour, and he had to have food doordashed to the hospital because, due to covid restrictions, noone else was allowed in with us and he wasn't allowed to leave to get anything.
He ended up having steak, potatoes, and these other elaborate meals delivered to eat in front of me while I wasn't allowed to eat anything until the baby came out. He even thought about bringing his playstation into the hospital room, but I shut that down quickly.
The first year of my son's life, I went back and forth between staying home with him and working in the factory my husband currently works at while my grandma watched our son.
I won't get into too much detail, but at one point when my grandma moved back out of state (she lives in her camper and was only there for the summer), I had to switch to the afternoon shift.
There is a factory supervisor on that shift that is a male and close to my husband's age. Other than the other person in my same position and two maintenance workers, they only had migrant workers that didn't speak english. This limited the people I could talk to while working my twelve hour shifts (husband worked 3:30 am to 3:30 pm and I would work 3:30 pm to 3:30 am).
My husband got very jealous and territorial at this time. He would expect me to return nearly thirty minutes late from all my breaks, threaten to go up there if anyone told me I couldn't do that, and even punched a hole in the wall when I told him I had to get back to work.
Up until that point, my husband had shown no signs of aggression toward me.
Somehow, a rumour started to spread around the factory that I was sleeping with the production lead. This definitely wasn't true as a) how and where would I have done that? and b) I loved my husband and would have never done something like that.
My husband heard about it, and came home to confront me. He got in my face, screaming and calling me a cheater. He threatened to take our son and move back in with his mom without even letting me offer an explanation or defend myself.
To this day, it still bothers me that he is still so convinced that I cheated on him and that he has no trust in me whatsoever to not do something like that.
I ended up leaving that job and working at mcdonalds for a little while. I had worked there in high school, so it wasn't a big adjustment.
I only ended up staying there a few months to help us catch up on bills before we agreed it would be better for me to stay home with our son for a while.
Our son is two now, and it seems like our relationship has only become more strained. We used to be able to communicate most of our smaller issues and come up with ways to maneuver whatever issues we had. However, in June of last year, my husband's friend that we were staying with in the beginning moved across the state to be near us.
It was all fine and good in the beginning. He had proposed to his girlfriend, and they even asked the both of us to be in their wedding that has yet to happen.
However, once they got engaged, he'd began acting very sexist. Even though both he and his fiance work full time (he works down the road at the factory with my fiance, and she works forty minutes away at a hardware store and has to drive a long way at three in the morning to get there), he expects her to come home and clean up after him, also cook his meals before she goes to bed early to get up really early in the morning for work the next day.
My husband, now hanging out with him more often, started having some of these things wearing off on him.
At first, it wasn't a big deal and I brushed it off. However, I'd gotten a job as a property manager for an apartment complex and also work now. Instead of things changing to adapt our new lifestyle, my husband expects me to continue keeping up with all the chores and cooking.
He'd made a comment that, because he feeds our dogs, he expects me just to do everything that involves our toddler from feeding him, to changing his butt, to putting him to bed at night. It's like pulling teeth sometimes to get him to change his butt or even get pants on him.
We'd gotten into an argument over this, and I told him that it wasn't fair that he expected me to do everything. His response was that he made more money and worked more hours, so it was only fair that I covered everything else.
Sure, I don't work as much or make as much money, and my paychecks mainly cover our son's daycare and our car payments, but I feel like working doesn't excuse him from helping with the son we both decided to have.
It's gotten to the point where I told my husband that if any sexist remark is made, like I should be in the kitchen helping get dinner ready whenever we're at his friend's house, I will be leaving and going back home, and I won't be going back until it is resolved.
The friend's fiance and I have had private conversations about this, and we both agree that it has gotten out of hand, and we both believe they are feeding off each other as they'd never been that bad before.
Everything has only seemed to get worse from there.
We decided to go as a group, along with my brother and his girlfriend, to the draft in Detroit this year.
The whole point was to see players get drafted in person, and we'd managed to get into the crowd in front of the stage before the area was shut down and they weren't allowing anyone else in.
My brother is an avid football fan. He played in high school, and was even offered multiple scholarships to play in college. This was a once in a lifetime experience for the both of us.
At one point, my husband and his friend decided that they would rather stand at one of the screens out of the crowd and watch it instead of trying to get into the sea of people to see it live.
I was frustrated, and expressed that if we wanted to watch it on television that we should have just stayed home. After a heated argument, I thought we'd come to the agreement that we'd go back to the stage and watch it there.
My brother lead us through the crowd, and at the beginning my husband and his friend were following us. Somehow, we'd gotten separated and when I looked back once we found a spot to stand, they were gone.
My phone rang in my pocket, and when I picked it up it was my husband calling. As soon as I picked it up, he proceeded to scream at me for disappearing and called me a "stupid bitch" when I tried to explain that I thought they were following us.
He hung up, and I told my brother I was going to go look for them alone. I spent a good twenty minutes wandering the area that was barricaded, but they were nowhere to be found. I no longer had signal to get ahold of him, so I ended up just going back and watching the beginning of the draft with my brother.
By the eighth pick, texts started to come in from my husband. He had informed me that they all left, leaving the three of us alone. Luckily, I'd driven separate as I left work early to get there.
By that point, I was done with him. I felt disrespected and that hanging out with his friend was more important than making sure his wife was okay or even with him. After all, I was wandering downtown Detroit alone when it was starting to get dark out.
When the three of us inevitably got back to the car, I got ahold of my husband just to let him know we were on our way home. He tried to apologise and ask how everything was, but I was too exhausted and mad at him to try and hold a conversation. He was asleep by the time I got home, and I ended up sleeping in our spare bedroom on a futon.
The next day, my husband tried to act like nothing happened. When I expressed that I felt ignored and pretty much useless to him, he tried to play it off like his anger was warranted and completely ignored the fact that he was calling me names.
I told him that I was no longer going to any big events with him and his friend, and he just rolled his eyes like he didn't believe me.
A day later, I saw a message pop up on his phone from his friend. I guess he had told him what I said about not going anywhere anymore, and his friend said "women" with an eyeroll emoji and "she'll get over it eventually". I screenshotted these messages and sent them to myself, filing them away in a folder in my phone to keep for later.
I slept in our spare bedroom for a week after that.
After the draft, I've also kept notes in my phone with time and date stamps of all the times he went off on me since then. Whenever we get into arguments, my mind goes blank and I forget exact things like this so he likes to say it never happened if I can't remember it.
April 27th, we were sitting watching videos together on tiktok. When someone popular came on that he had been watching a lot recently, I exclaimed that I didn't understand how he got popular all of a sudden. He proceeded to get really agitated and yell at me for not understanding how the internet works. When I stood up to walk away because I was upset, this angered him more. He then expressed that my emotions were overrated and that he was sick of them.
May 2nd, I had gotten home from work and tried to show my husband an outdoor jungle gym on amazon that I thought would be cool to get our son. He claimed it was a waste of money and that we should just take him to the park. When I tried to explain that it was a better idea to get something like this, as realistically we wouldn't take him to the park every day, he freaked out and asked what was wrong with me. He then said "oh my god" when I tried to explain that it would be easier to watch him outside while getting stuff done around the house and decided to just go to bed without dinner and end the conversation completely.
May 5th, we went with his friend and fiance to a cinco de may party in the city. He was drinking most of the day, and on the way home he wanted us to stop some place and get ice cream. When he got out of the car, he hit it against the car next to us. When I told him he'd hit the car, he proceeded to yell at me in the crowd that I was crazy and acting like my mother. He then kept trying to go to the woman in the car and ask if he had, in fact, hit her car. After, he said he was done with me and I was on my own, that I would have to start paying my own bills from now on.
There's been many other entries in my notes similar to this, and I feel like I'm at the end of what I can handle. Divorce has crossed my mind, but I had divorced parents growing up and know how hard it would be on my son. I also don't think I'm in a well off financial position to go out on my own with our son and still provide the things he needs.
I also worry that, if we were to separate, he would push to take our son from me as he'd threatened in the past to do so.
Any advice would be helpful, as I don't know what else to do. Even getting this all off my chest online makes me feel a little better, but there's still the lingering thought in the back of my mind that I'm unhappy and don't know how much longer I can put up with this.
Thank you.

I was offered a job at an international school. I have a couple of back up plans if it doesn’t work out (NALCAP or Peace Corps), but honestly I was really excited about this school.
However, after taking off my rose tinted glasses and signing the offer, I realized the role maybe isn’t as good as I thought it would be.
It’s in a nice area. It pays a very low wage. Livable, but there is no savings potential. Most of the students are not international students, so even though I’ll teach in English most students are ESL. There isn’t a school wide curriculum, and I’d probably have to develop my own curriculum. Also not a lot of resources. The school also has the contract state I am a “volunteer” so I will be working on a tourist visa. Obviously that’s the biggest red flag, but the school itself seems pretty reputable and nothing on ISR even mentions that as being an issue.
It’s worth noting that I am a young, single teacher, so I’m looking to teach internationally for the experience.
Do I go for it or go with one of my backup plans?

Hello all,
This has been tricky to navigate so far, so I'll recite a couple of the road blocks I've encountered so far. I am shipping my car to Europe for a 6 week road trip and will need to get insurance while I am there. Although I believe I have found some promising options for 3rd party liability coverage, I'd really like to get something reasonable for collision/comprehensive.
In accordance with temporary import laws, I will be driving the car on its USA plates while abroad. It is a US-spec car.
USAA purports to sell international policies, but after calling they told me those policies are designed for people moving to foreign countries and would not cover my circumstances. They also told me the minimum policy length is 12 months. Same story with Clements.
I found tourinsure.de, as well as Alessie and Lobagola. All offer "green card" 3rd party liability insurance for exactly my use case, but only TourInsure offers collision. And the rates are very steep (around $4000 USD for 2 months for a 50,000 EUR value policy). The liability only rates are reasonable across the three companies, but I would really like some peace of mind against theft or other incidents.
Does anyone have any recommendations for an insurer that would write a policy like this?
Or, in the alternative, does anyone have any recommendations for a specialty insurance broker that could help find someone to underwrite a policy like this?
The TL;DR bullet points are:

• US registered and US spec car
• Temporarily imported to Europe (will land in the UK and then road trip through continental Europe)
• Need a short term policy (ideally 2 months)
• Need comprehensive/collision coverage that protects against animals, theft, etc.
• US licensed driver, but I do also hold an IDP (International Driver's Permit)

Parent 1 and 2 had their own parenting agreement for 2 years. 50/50, no child support. They each buy clothes and personal items for their own households. Parent 1 pays for insurance, extra-curriculares, field trips, etc. Parent 1 helped parent 2 with transportation and child care on their days because parent 2 works late and lives/works about an hour from the kids’ school. They went to court to get everything official and even though both parents stated they want child support waived, the court said no and ordered parent 1 to pay. So now parent 1 can no longer afford the extra gas money to help out parent 2 and parent 1 may need to get a second job to pay child support and still maintain the lifestyle the kids are used to. Now the kids suffer because they lose time with both parents by having to go to after school care.
Yay for the court system.

I'm in Canada. I'm 23
I graduated in Spring 2023 with an Hons BS in Computer Science. In August 2023, I secured a job as a Cloud Engineer at a small-scale company utilizing AWS, despite having no prior internship/Co-op/full time permanent work experience (didn't get any Co-ops due to Covid)
My cloud computing background at that time was a cloud computing course which I took in Uni which involved using EC2 Instances and basic cloud computing concepts.
My responsibilities at my present job have predominantly revolved around the infrastructure side, using infrastructure as a code (IaC), using AWS CDK with Python, server maintenance, renewing SSL Certificates, automations, assisting senior members in basic tasks (like following up), onboarding new team members, installing/updating software across various EC2 instances, migrating RDS/volumes /other resources to reduce costs. (Pretty much those tasks which an intern would do since this is my first ever tech job, never worked full time before).
I am planning to switch roles later this year, aiming to delve deeper into AWS and cloud related positions as I've found some interest in it and learnt quite many things. I noticed several jobs requiring good amount of experience (they all sounded like intermediate/senior level roles) while I only have close to 1 year of experience as time goes.
My only reason to leave this job is the pay (earning less than $40k/yr, again its my first ever job with no prior internships/Co-ops).
Looking for some Career Advice on how I can switch roles with the right amount of experience & guidance, How can I stand out during this job search/learning process, progress more in cloud computing or if I should really pursue cloud computing further:

1. Is cloud computing a promising domain to pursue further in Canada? Is the job market for cloud computing experiencing downturns as well? As I might like to continue with this job in case the market is really bad.
2. Should I aim for some other positions outside Cloud (like AI, etc). I see a lot of news regarding layoffs, market being too bad, people not able to find jobs, and it's making me worried to switch roles even after some experience in hand.

2a. (Continuation of point 2) Is there any other Cloud platform which would be more helpful depending on the market demand, if AWS isn't in high demand ? (Like Azure, Salesforce, GCP or anything else)
2b. What other fields/positions in Tech could I target if Cloud Positions are out of reach due to a good amount of experience necessary. I often hear about cybersecurity and AI but understand they can be highly competitive.

1. I am aware of AWS certifications but uncertain if obtaining certifications alongside one year of experience would suffice to transition roles. Given my junior position, I'm curious if starting with the AWS Cloud Practitioner certification is adequate or if pursuing multiple certifications alongside additional experience would be more beneficial.
   
2. Would AWS/cloud related projects (of any other platform) be helpful to show it to my prospective employer ? I'm worried about the cost of architecture as I don't want to pay a huge amount out of my pocket (I know Cost optimization is important and I'm gradually learning about this at work).
   
3. Is there a cloud related roadmap I can follow for AWS or for some other cloud platforms to advance my skills and career prospects?
   

Any Additional Career Advice/Guidance would be great.

TLDR: 10k less tc post benefits post taxes, larger company, more modern tech stack, less complex business logic. Current work is very dry. Crazy to take a pay cut?
Job 1 ~ 160k base, lesser benefits, ~10k more tc post benefits and taxes - Very small company, subcontracting on a very large program. Contract is secure, but I feel like subcontractors would be first to go if contract downsized, though not really worried about this happening. - The code is quite convoluted, I spend lots of time working bug stories, and not much time as I'd like developing. The business logic is very complicated, and I, and others struggle to understand the architecture fully. I easily meet my metrics, as the pace of work is slow for everyone due to the nature of the codebase, and turnovegrowth the program has recently seen. - Java 8, Swing, JMS, Java & Spring Beans
Job 2 ~ 140k base, better benefits, ~ 10k less tc post benefits and taxes. Not a bad offer, my current job and this job is paying a bit above market rate for my experience, so it could be hard to find another 160k base in the short term. + Very large company on a small program. Contract is secure, even if the contract did fall through, I'd likely be moved internally. Also if I dislike the contract, I could probably make an internal move after a while. + Rust, Python, JS, Angular, some older code in C/Cpp/Java which is likely to not be touched anymore, aside from refactors or rewrites.
This subreddit seems very pro money, but I'm curious of everyone's perspectives. I easily make my bills and save money away, it will feel bad not investing as much. I realize work is work, and I won't necessarily love my new job whatever it is, but I'd like to be engaged and feel like the tech I'm working will help to improve my skillset especially since I'm still early on in my career.

Not at all looking to leave my current job anytime soon but was kinda just wondering because i couldn’t remember if it was 1 year or 1.5 that was the threshold. Thanks everyone!

I'm trying to narrow down my school list. My goal is to apply to about 30-40 MD and about 15 DO. This is my MD list, so please help me narrow it down! I've used MSAR to come up with this list. Most of these schools I am within 90th percentile for stats, but a few I'm not, but kept because of proximity or some other reason.
My stats:
GPA: 3.99
MCAT: 509 (no subsection less than 126)
Clinical: 400 hrs. hospital volunteering
Non-clinical: 800 hrs. volunteering, 300 hrs. Tutroing/TAing, 1,500 hrs. non-clinical job
Research: 1,300 hrs.
Shadowing: 3 physicians, 50 hrs.
Indiana resident with strong ties to Illinois and Utah
School List:
1. Albany Medical College
2. Anne Burnett Marion School of Medicine at TCU
3. Central Michigan University College of Medicine
4. Chicago Medical School at Rosalind Franklin University of Medicine & Science
5. Cooper Medical School of Rowan University
6. Creighton University School of Medicine
7. Drexel University College of Medicine
8. Eastern Virginia Medical School
9. Florida International University Herbert Wertheim College of Medicine
10. Frank H. Netter MD School of Medicine at Quinnipiac University
11. Geisinger Commonwealth School of Medicine
12. George Washington University School of Medicine & Health Sciences
13. Georgetown University School of Medicine
14. Indiana University School of Medicine
15. Lewis Katz School of Medicine at Temple University
16. Loma Linda University School of Medicine
17. Loyola University Chicago Stritch School of Medicine
18. Marshall University Joan C. Edwards School of Medicine
20. Medical College of Wisconsin
21. Michigan State University College of Human Medicine
22. New York Medical College
23. Northeast Ohio Medical University
24. Nova Southeastern University Dr. Kiran C. Patel College of Allopathic Medicine
25. Oakland University William Beaumont School of Medicine
26. Ohio State University College of Medicine
27. Oregon Health & Science University School of Medicine
28. Pennsylvania State University College of Medicine
29. Robert Larner, M.D., College of Medicine at the University of Vermont
30. Rush Medical College of Rush University Medical Center
31. Saint Louis University School of Medicine
32. Sidney Kimmel Medical College at Thomas Jefferson University
33. Spencer Fox Eccles School of Medicine at the University of Utah
34. State University of New York Upstate Medical University Alan and Marlene Norton College of Medicine
35. SUNY Downstate Health Sciences University College of Medicine
36. The University of Toledo College of Medicine and Life Sciences
37. Tufts University School of Medicine
38. Tulane University School of Medicine

1. University of Alabama at Birmingham Marnix E. Heersink School of Medicine

40. University of Arizona College of Medicine
41. University of Colorado School of Medicine
42. University of Connecticut School of Medicine
43. University of Illinois College of Medicine
44. University of Iowa Roy J. and Lucille A. Carver College of Medicine
45. University of Kansas School of Medicine
46. University of Kentucky College of Medicine
47. University of Louisville School of Medicine
48. University of Maryland School of Medicine
49. University of Massachusetts T.H. Chan School of Medicine
50. University of Minnesota Medical School
51. University of Missouri-Columbia School of Medicine
52. University of Nebraska College of Medicine
53. University of Pittsburgh School of Medicine
54. University of South Carolina School of Medicine Columbia
55. University of South Carolina School of Medicine Greenville
56. University of Wisconsin School of Medicine and Public Health
57. Virginia Commonwealth University School of Medicine
58. Virginia Tech Carilion School of Medicine
59. Wake Forest University School of Medicine
60. Wayne State University School of Medicine
61. West Virginia University School of Medicine
62. Western Michigan University Homer Stryker M.D. School of Medicine
63. Wright State University Boonshoft School of Medicine

I was denied tepezza today. I went ballistic on the nurse . Not really her fault but she was so condescending and I got the call this morning as I’m trying to get my children ready for school and I’m already online working and my eyes are swollen ,drippy and in pain , still adjusting out of the blur and double vision I wake with…. I’m like really??? Their reason was no proof of trial with oral or IV steriods. I love how insurances companies make medical decisions for thier paying customers. I alone give them thousands and thousands a year. Anyway I HAVE taken about 5 rounds of oral steriods since December so their info was incorrect. I’m like did you guys check with my endo along with my eye dr? This is a two part disease…. So I have a few Drs. Cant wait to pour all my negative thyroid eye energy into fighting this.

I started a new job in February 2024. An amazing perk of the job is that I get my own work truck, which they said I can use for personal use but not have my two kids in it. I have a 2019 Chevy Traverse with 63,600 miles on it and I owe $19,500 still on it. I also have a family car, a 2018 Nissan Rouge that will be paid off this year. The Nissan is my husband car but he works from home 3 days a week. My payment on my Traverse is $424.26 a month and it just sits in the driveway now. I maybe use it once every two weeks… if that. Should I sell my Traverse and save that money? My husband says he doesn’t see the need of me spending a monthly, insurance and maintenance on a car that I never drive anymore. I am just worried if we need it for an emergency? Does anyone have any advice for this situation? I do not want to make a bad choice! Please help!

Hello everyone I am here to find some gigs or maybe long term online job. I will be straight to the point, here are my skills:

• Autocad (Drawings, Electrical)
• Basic civil3d (Land Survey, Newbie)
• Ms word
• Excel applications (Pivot, Macros, formulas)
• Homework Help
• Data Entry or Research
• Virtual/Online Assistant

If you need anything and you think I will be fit for the job, please let me know. I am willing to learn new skills for the future. I hope to start my frelancing career with you. Thank you!
P.S. graduating student (electrical eng) Philippines
Minimum of 5$ per hour
Contacts Email: juanpicks231@gmail.com Viber or WhatsApp: +639161033407

Hi guys! I've been on this subreddit for a few days, and I've looked through other posts asking about HYSA's, but I have a few questions I was hoping people here could answer.
Based on my (limited) research I've decided that Ally has a good HYSA option. I see it (and wealthfront) recommended all the time here.
For those who use Ally i was wondering: Are there any fees involved? Do I have to keep money in for a set time? Is it an online bank only? Is it FDIC insured? Can someone explain compounding interest to me?
Also, off topic from the original question, but I figured I'd ask: What is a CD and do you recommend them? From what I've gathered you "buy" them for a set amount of time and can't access that money during that time. Do these have higher interests rates than HYSA, and are they FDIC insured/safe to "buy"?
Sorry if these questions are dumb. I am 28, never went to college, and just got my first "real" job that's a career.
Extra info: I have 4k sitting in a vystar account with like .2% interest and want to change that. My average bills/total cost to live averages 650$/month. (I'm a trucker and live in my truck 95% of my time- when I do come home my dad let's me live in his spare bedroom rent free for the 2 or 3 days im home a month.) I make roughly 1500-1800/week AFTER taxes. If anyone has any extra advice for me based on that information I would certainly read over it and be very thankful. Thank you to anyone who responds and helps me. Have a blessed day!

I’m 40. I’m finishing grad school this summer and I’ll be a counselor. Because of some ventures and risks I took in my 20s, I didn’t really start working until my 30s other than part time restaurant jobs. I had a government job that was low paying, but it got me through college once I stopped the self-employment ventures and turned 30. I haven’t worked for a year because I had no choice but to leave my job for this last year of grad school which has included lots of practicum hours as well as full time school schedule.
The job was state government, and I’m being totally honest, I can’t imagine going back to state government. I would need 18 more years to even retire with my state’s pension system with the 9 years I’ve put in. I might go work a year when I graduate so I hit my 10 years and get public service loan forgiveness (it was all verified correctly with the various loan servicers). I don’t have to get the 10th year from a government job, either. Just a qualifying non-profit of some sort which will be easy with my grad degree. Plenty of treatment places that are qualifying and it would be good experiencing.
So anyway, I am strongly considering cashing out the 42,000 that is in my state’s retirement account, pay the tax hit and fees, and use the money to get out of the hole I’m in, graduate with a clean slate, maybe set aside 5-7k for an emergency fund, and start saving.
I own a home with a cheap mortgage. The reality is that I will inherit a pretty sizable estate from my mom. She is in her late 70s and won’t be around much longer. I am not going to ask her for money at this point.
It is also my understanding that if I wanted to return to government employment, I could buy my time back if I had the money, which I will once the inheritance happens.
Even if the inheritance somehow doesn’t happen, I am still out of money. I’m really struggling and just want a clean slate with my degree and new career.
I would pay off about $10,000 credit card debt. Pay my mortgage ($550 a month) and other bills such as phone, insurance etc until employed and back on feet.
While not counting on it, I have a few things going on that I suspect will be financially rewarding but I’ll be fine if they don’t.
I’m just tired, health issues, and want to stop being stressed.
I should add that because of the health issues, I highly doubt I’ll see 65 years old.
I have a pretty simple life. No kids. Don’t want them. Small home and there isn’t anything I can’t live without burning a hole in my pocket. I just can’t think of a reason to be sitting on this money when it could really really help me right now. My 30s were really hard because of all the health issues. They are finally diagnosed, healed, etc, but took a toll.
How would I calculate the penalty from cashing out the $42,000? Would it be like 30-40%?
Thanks, PF!

I know this subreddit can be quite depressing with people complaining (rightfully) about the shite job market. I myself have just graduated, have probably sent out upwards of 400 applications since Decembe November and had little to show for it outside of 5 or so first round or second round interviews, haven’t even made it to a technical one.
In the meantime though I want to improve my skill set to adjust for the tougher market. As of I now I know and have done a lot of work with Java, C/C++, and had an internship where I worked pretty much only in JavaScript. More recently I’ve built a project in flutter, learned python and made my own ML model, and am looking for new stuff to learn.
What do yall think would be best given the current skill set? Any frame works, languages, or certs that would be a good idea to y’all are welcome recs 😄.

I am recently feeling hopeless & depressed because of my inability to find a job. Can anyone recommend me a job based on my resume. I am highly interested in working with immigrants & people. I would prefer not to work in public facing/customer service jobs anymore. If anyone has any questios, I'll try to answer to the best of my ability.
Again, any feedback or questions are encouraged. Thank you!
Work Experience

• 1 year experience as a automobile claims adjuster for provincial corporation (ICBC)
• 4+ year experience working as a Ticketing Coordinator for provincial ferry transport system (BC Ferries)
• Worked as a Server at various jobs during university

Volunteer Experience

• 4 months/1 semester as Teaching Assistant in University in Japan
• 4 years as Crisis Line Operator
• 4 months as English Facilitator for new immigrants.

Education

• I went to 4-year university studying social sciences
• I went on exchange for 1 semester to Japan.

Unfortunately, I cannot go into trades because I have chronic back injuries

Republic 7^th Fleet, Centaurus Sector, 407 light years from Earth
RSS Vercingetorix, Independence-Class Carrier, 2174 A.D.
Vice-Admiral Mei Zhou had just finished making the final changes to the fleet’s reconnaissance patrol routes with her senior staff when the comm panel on her desk chirped, displaying an incoming comm request from Admiral Thompson. She quickly thumbed the pad being offered by her aide so that he could issue the orders they were just working on and turned to the rest of her staff. “Nice job, people. Let’s get to work. Dismissed.” As the staff filed out the door, she started entering the codes needed to decrypt the incoming comm channel and looked up to make sure the room was empty. She pressed the open channel icon, and Admiral Thompson’s holo image appeared in front of her desk, ending just below his waist and making it seem as if he was actually there, sitting.
“Mei, how’s your new ship treating you?” he asked, smiling. “She is an absolute beauty, Karl. I still can’t believe that she is mine.” She responded, returning his smile. “What can I do for you, Karl?” Thompson chuckled, and his holo image leaned back as he reclined in his chair. “Straight to business; I always liked that about you, Mei. Alright, here we go. We have received intelligence reports that the Commonwealth has begun evacuating one of their last remaining coreward periphery worlds that is now dangerously close to the expanded Insectoid border. We have also received an update from our spy drones in that same region that six Hive ships and almost four hundred cruisers that were patrolling their side of that border area have disappeared. This is too much of a coincidence, and I want you to detach a combat patrol and send them there.” Thompson finished speaking, and a flashing icon popped up on her comm panel, indicating that she had just received new orders. She tapped it and quickly scanned the new orders as the admiral waited. She looked up at his holo image. “Karl, I acknowledge receipt of the new orders and will implement them. Between me and you, why are we getting involved with this? The Commonwealth has a navy, and they should be fighting to protect their space. We can’t keep coming to the rescue and defending their members; we are already spread too thin as it is.”
Thompson nodded his head in agreement. “Mei, I agree with you in principle, but there are social and political considerations involved here. The near extinction of the V’rni has caused considerable turmoil among the citizens of the Republic. They know logically that we could not have stopped such an attack like that one, but the perceived failure to protect them or prevent the attack still weighs heavily on their souls. The Commonwealth is currently attempting to evacuate the Jaleen system, and they are one of the last surviving members that voted yes before our petition to join the Commonwealth was denied. It also doesn’t help that the Jaleeni are avowed pacifists and look like bipedal Newfoundland dogs. They are technically a bear-like species, but to humans, they look like humanoid dogs, and the government is unwilling to lose the popular support it currently enjoys by allowing the Jaleeni to be exterminated. I mean, look at these guys.”
Another flashing icon popped up on her screen a moment later, and she pressed it. It turned into a hologram depicting a typical Jaleeni family of a mother and father with a litter of six pups, and she couldn’t help but smile as she looked at the photo. They were wearing their traditional rough-spun linen clothes that made them look like dogs cosplaying as monks. They looked adorable, and she felt her heart melt while staring into their deep brown eyes, which looked sad. She understood the reasoning behind it, especially after the mass extinctions that occurred in Earth’s biosphere because of World War 3.
After the war, humanity had an awakening when they surveyed their destroyed world and came to terms with the disappearance of thousands of species and the near extinction of thousands of others. What followed were three generations of desperate measures to salvage what remained and a worldwide effort at habitat restoration and de-extinction efforts utilizing a wide array of methods such as back-breeding, cloning, and genome editing. Dogs were almost driven to extinction by the war as they were uniquely susceptible to the BioChem weapons that were developed and refined by the Eastern Coalition animal testing on poor innocent canine subjects. Between the Biochem weapons, owner deaths, abandonment, and starvation, almost 90% of the domesticated canine population and entire breeds were lost by the war’s end. Cats fared much better, but they still suffered a loss of almost half of their pre-war population, and a large percentage of the survivors reverted to a feral state. The result of all of this was an almost religious reverence for the preservation of sentient animal life on human worlds and a somewhat fanatical tendency of humans to take on the mantle of guardians for sapient alien species that resembled animals to them.
“Karl, I understand; I do. I just don’t like the fact that we are operating on so many fronts. Some of our fleets and task forces are patrolling areas far enough away that I worry about them getting reinforcements on time if they are attacked, and now my fleet is being partitioned to send a combat patrol almost three hundred light-years away from our current position. After the assault on the V’rn system, half of our combat power was recalled to Republic space to prevent the same thing from happening to us, and yet we are still being tasked with properly defending Eleani and Xenxin territory with half the ships we had before. Have they lost their damn minds at HQ?” She realized she was almost yelling at the admiral, and Mei took a deep breath, recognizing that her outburst was unbecoming of a Republic naval officer. She attempted to quickly apologize to Admiral Thompson. “Karl, I’m sorry that was uncalled for-“
The admiral raised a hand to stop her, an amused expression in his eyes. “Mei, I said the exact same thing to my boss as you did almost verbatim, and not as diplomatically as you, I might add. My concerns were addressed to my satisfaction, and I think yours will be when you get to your destination. There will be a task force joining you there, and I think you will be pleased. That is all I can say for now over the comms. You will lead the combat patrol to the coordinates listed in the orders you received, and the task force joining you there will fall under your command. I have a personal favor to ask of you. Please keep an open mind when you link up with the task force. You will rendezvous with Commodore Therax, and he is instrumental in our efforts to undermine the increasingly despotic Commonwealth government. More information about him and the Nekuli were added to your orders, make sure you review it. I took a big gamble on this, and I would be grateful if you did your best to make this collaboration work. That is all for now, and I wish you and your crews good fortune and godspeed, Mei. Take care of yourself.” The admiral finished speaking, and Mei noted the personal nature of his last few words, nodding an affirmative to his request.
“Admiral, I thank you for your words, and we won’t let you down. I need to issue the orders now to get there and link up with the task force on time. I’ll send a null space comm drone to the nearest relay to confirm our arrival and integration. Vice-admiral Zhou out.” As she leaned towards the comm panel to close the channel, she saw Admiral Thompson doing the same, and he gave her a wink and a mischievous smile before she pressed the icon, terminating the connection. She leaned back in her chair and blew out a deep breath. “Now what the hell was that all about?” She asked out loud to herself, as the confusing and secretive nature of her orders and the personal request of the admiral added to the uncertainty of what she was expected to do. She keyed her wrist pad and texted her aide to come back to her office for new orders. He was going to be livid that they just wasted half a day revising the patrol routes to maximize efficiency and increase their patrol range. A small smile crossed her lips as she waited. He had an obvious tell of his lower left eyelid spasming when he was mad despite displaying no emotions on his face, and she knew it drove him nuts that he couldn’t control it. Witnessing it was one of the small joys she had in her difficult job as vice-admiral, and she was looking forward to it.
Fifty-six hours later, her task force flashed out of null space at the designated coordinates and right on time. She felt a measure of pride as she watched her bridge crew go about confirming their location and verifying it with the navigational array and astrometric sensors. Once the navigator gave her confirmation that he verified their position, she turned towards the comms officer and ordered her to send a burst transmission with the pre-arranged code and waited for the response. A few seconds later, the comms officer raised her left hand and signaled receipt and confirmation of the code by the task force waiting in null space. An agonizingly long minute crawled along as she anxiously waited for her navigator to confirm the telemetry from his counterpart in the other task force as they verified their positions. The navigator activated the main viewscreen on the forward bulkhead as they waited. Suddenly, there were a multitude of exit flashes 200,000 kilometers from the bow of her carrier, and hundreds of warships appeared at a dead stop relative to her position.
Her jaw dropped as she took in the unexpected fleet in front of her. There were dozens of Commonwealth dreadnaughts, battleships, and heavy cruisers arrayed before her, as well as an additional one hundred and twenty light cruisers, destroyers, and missile frigates. On the flanks of the main formation, there were more exit flashes, and the bridge AI started categorizing them on the screen, and she saw that they were the new Eleani and Xenxin warships that she had been hearing about. They shared a design lineage with the Commonwealth ships, but there were definite differences that became obvious as they assumed their positions next to the Commonwealth navy ships. She was particularly intrigued by the Xenxin ships, as they seemed to be bristling with weapons, almost excessively so relative to their ship sizes. The Eleani ships seemed to have taken a different design philosophy, and they gave the impression of deadly speed and grace, and she was hard-pressed to spot any obvious weapons on their hulls despite the AI confirming that the ships were indeed well-armed.
There was another coded signal from null space that appeared on the comm station panel, and her comm officer turned to her. “Vice-admiral, we have received a coded message on the sigma frequency for your eyes only that requires biometric and voice verification to decrypt.” Zhou nodded and pressed a button on her arm panel, activating the privacy screen around her chair and feeling the pressure change as the bridge around her became opaque and silent. She pressed the biometric toggle on the panel, and a retinal scanner popped out of its alcove on the side. She leaned in and scanned her right eye first, then her left. An icon appeared on the screen, and she thumbed it as it flashed and confirmed the print. Finally, she spoke and addressed the bridge AI: “Suzy, please confirm the voice command for verification.” The AI answered immediately. -Of course, Vice-Admiral Zhou, please proceed.- “Zhou, one-red-seven-green-four-tango-alpha-zero. Execute.” -Voice command verified. Thank you, Vice-Admiral Zhou.-
A small holographic display popped up in front of her; the admiral appeared on the screen, and his pre-recorded message started playing. “Mei, I know all this cloak and dagger stuff seems excessive, but we couldn’t take any chances. The receipt of this message will activate a program in your bridge AI and allow it to take control of the new drone ships waiting for you in null space. They are a new class of upgraded null ships and are top secret. Your AI will anchor them to your task force, and they will follow you, remaining hidden in null space unless you absolutely need them.”
“There are also two troopships with them that are carrying a complement of two thousand Mark XII ATS Bio-Synths and an expeditionary brigade each of rangers and pathfinders in stasis. They are also to remain in null space unless circumstances require that you need them; they are an insurance policy for an ongoing mission in Insectoid space. The details of that are top secret as well and can be accessed with your AI. If the troopships are required for that mission, they are to be escorted by a detachment of null ships and sent there immediately. After you have met your task force counterpart, there are orders in this packet that are to be accessed by you both and executed. I have the utmost faith in you, Mei, and I can’t wait to take you out to dinner again when we can both coordinate our next leave together. Thompson out.”
The hologram message disappeared, and she waited a little longer to allow the blush from his last sentence to fade from her cheeks and suppress the smile that was trying to form on her face before she put on her command mask and lowered the privacy screen. The bridge crew was going about their usual tasks, trying hard not to seem interested in her top-secret message. “Comms, open a channel to the task force flagship, please.” The comm officer acknowledged the order, and a few seconds later, the Bridge of the Commonwealth flagship appeared on the viewscreen.
A Nekuli male was sitting in the command chair, resplendent in the uniform favored by Nekuli officers. He took a moment to look around her bridge before settling his eyes on her. He bowed his head slowly in a gesture of respect, which she returned in proper fashion. The proper courtesies having been observed, he raised his eyes to meet with hers and started speaking. “Vice-Admiral Zhou. May the ancestors grant you and your clan honor and good fortune. I am deeply honored to meet you, and I hope our integration is a successful endeavor. I now entrust the honor of myself and my crew to your safekeeping.” He remained stone still as he awaited her reply, and she tried to remember the proper return greeting that she had been studying during their trip here.
“Commodore Therax, the honor is mine, and I promise you that I shall never ask you or your crew to undertake any action that will bring dishonor to your clans and your ancestors. We are now joined as one; may our cause be just and pure.” She finished the response, and the gravity of what she just promised to someone she had never met before hit her hard; it felt almost sacred to her. Commodore Therax heard her proper reply, and he stood up, followed by the rest of his bridge crew. He addressed her again. “Our honor has been given, and we have received a promise to safeguard it in return. Our joining is now consecrated in the eyes of the ancestors, and you are now our clan leader. What are your orders?
She recovered from the ordeal of the emotionally charged exchange of vows and stood up to give her first order as clan leader to the Nekuli. “I request the presence of you and your senior staff aboard my ship tonight. I will prepare a feast to honor our new friendship and alliance. I have studied your cuisine, and I have found a selection of Earth cuisine that should suit your taste. It is called tartare and sashimi; I think you will like it.” Commodore Therax looked at her dubiously, and she had to stifle a laugh at his expression as she knew that he was imagining being forced to eat vegetables and overcooked meat out of politeness. She spoke quickly to assuage his fears. “Commodore, tartare, and sashimi are raw red meat and fish; I would never inflict vegetables and burnt meat on you or your crew; are we not friends?”
As his translator finished converting her words into his language, he smiled at her, baring all of his fangs in true happiness.

Ask me anything you want to know about these diploma mills and I'll do my best to answer. Below I've included some background and answers to some questions I'm anticipating. To avoid revealing my identity, I won't specify the mill, but I assure you this is a legitimate experience. Ask away.
Why did you quit? I worked in admissions. I couldnt take it anymore, going home with a guilty feeling that I'm contributing to the problem of mass immigration and, by extension, the housing crisis. So I quit. Despite struggling to find a job for 6 months before this, I felt like I had no choice. I had benefits, remote work, good pay, and healthy work/life balance, but this job might as well have been spitting in the faces of Canadians because it gave me the same feeling.
Is my institution aware that it's a diploma mill? Not at all. I even asked about it and everyone gave me the same or similar answers:

1. We are much smaller than the major universities like UofT and UBC etc. the xxxx number of students we bring in are inconsequential.
   
2. We are giving these young people a chance to better themselves. We are doing good for Canada. You should feel proud.
   
3. (From my Indian coworker): Without Indians, Canada would be nothing. You guys need us to make Canada better. It's a dying country without us because the population is so low and birth rates are declining and Canadians aren't ambitious enough to fill the high level jobs.
   
4. We can't survive without international students. They're our main source of income.
   
5. It's not your job to think about these things.
   

What kinds of students did you bring in? 100% of our most recent intake was Indian. Normally, it's (roughly) 90% Indian, 9% Nigerian, and 1% someone from a different country. I'd estimate they're 75% male, 25% female, 0% non-binary (we do not have updated stats on gender so this is purely observation)
Why did you primarily bring in Indians? All the cheap overseas agents are Indian and they exclusively recruit in India. Every single one of our agents was Indian. I asked if we could diversify and my boss said "no money" and "the government is more likely to approve Indian permits so we shouldn't waste time with people from other countries."
Any fraudulent applications? I'd estimate anywhere from 25-50% of the applications from India are fraudulent. I often got people applying with flawless English proficiency scores but they'd use a translator to communicate with me. When I would speak to them directly they couldn't respond to basic questions after "how are you?" My boss demanded that I accept them anyway because we could get sued and checking for it's legitimacy was too costly.
Do they work? Yes. Every student I've admitted works as much as possible, primarily at nearby fast food restaurants, convenience stores, and for Ubetaxi services.
How much time do they spend in classes then? Fortunately, my institution requires attendance. Unfortunately, most courses are hybrid so we cannot verify that they are actually present. Even still, a full course load here (5 courses) requires less than ~20 hours per week of actual work because the institution wants to give students more time to work. This is absurd to me, as they are supposed to be students first and foremost. To be clear, all of this works out to them only coming in 2-3 times a week, depending on the student's schedules. Some professors have also reduced the homework to give them more time to work.
How are these students/applicants overall? I want to emphasize that I am pro responsible immigration (immigration levels that our infrastructure supports, with people who respect Canadian values and want to integrate and improve the country) but anti mass immigration. I will not respond to racist comments. This is not intended to be a racist response either.
Some things I've noticed about many (not all) of our students from the past year - they are very grateful to be in Canada - bathrooms are VERY dirty (I spend at least 15 minutes a day wiping up pee, cleaning up wrappers and paper towels, etc) - they want to go to the US after getting Canada PR - they barely speak English despite all of my institution's classes being fully in English - they do not respect quiet rules, meaning a general expectation that people in halls should be quiet to respect those in offices and classrooms (although this could be said about any uni students) - I have recieved a notable increase in complaints from female domestic students of harassment from male international students
Please feel free to ask anything and everything! I'll try to respond as soon as I can