Hi everyone. I’m fresh out of college and started my first real job. I luckily did not have to pay too much in loans (due to scholarships) but I paid it all off. I also paid off a big chunk of my credit cards (I was a college kid doing college things). Now that I’m in an okay spot, I was wondering how I should get a head start in saving for retirement or just saving in general. I’m relatively new to finances and my financial literacy is not the greatest.
Context: I’m single and age 23. Currently living at my parent’s house for this first year out of college and I’ll prob move out in a year or two closer to workplace. I’m taking out a certain amount from my paycheck monthy to help pay for my parent’s bills, groceries, etc. My employer also provides a pension plan (TRS) where they take a certain amount from my paycheck and it put it into a retirement fund. I’m vested after 5 years working there. So, along with TRS and social security, those things are already in place for retirement. But I also learned about things like the 403b and 457, which I’m also interested in partaking in to help further save for retirement. Is this recommended to have on top of the pension plan my employer already provides? Also, I’m a bit confused on roth IRAs and if that’s something to consider. And finally, my last question is how to look into a high-yield savings account. A lot of ppl have recommended it to me and I’m not too familiar with it. I realize I may be a bit young but since I finished paying my debts, I was thinking it would be good to start early.
TLDR: How should I manage all the retirement plans (403b, 457, roth IRA, etc.) and begin saving (high yield saving account) for my future?

I recently just accepted UofT's offer and turns out I couldnt pay the admission deposit on time as the deadline is supposedly today (May 15).
I emailed them days ago saying my family have a financial hardship and we are depending on a government-issued scholarship and we asked for an extension. They say they couldn't extend the deadline and if I choose to not to pay today I could try the appeal if my offer becomes expired, and appeals aren't guaranteed.
Has anyone experiencing the same issue? I am afraid that if my offer ever became expired and could never be appealed.

In the unpredictable journey of life, insurance stands as a stalwart companion, offering protection and peace of mind in the face of unforeseen events. Whether it's safeguarding our health, securing our homes, or ensuring our loved ones are provided for in our absence, insurance plays a pivotal role in mitigating risks and fortifying our financial stability.
Understanding Insurance:
At its core, insurance is a contractual agreement between an individual or entity and an insurance company. In exchange for regular premium payments, the insurer pledges to provide financial compensation in the event of specified losses, damages, illnesses, or death. This arrangement allows individuals to transfer the risk of potential losses to the insurer, thereby alleviating the burden of bearing those costs alone.
Types of Insurance:
Insurance encompasses a wide array of coverage types tailored to meet diverse needs:

1. Life Insurance: Designed to provide financial support to beneficiaries in the event of the policyholder's death, life insurance ensures that loved ones are protected and provided for after the insured's passing. It can also serve as a valuable estate planning tool, offering tax benefits and liquidity to heirs.
2. Health Insurance: Vital for accessing quality healthcare without incurring exorbitant expenses, health insurance covers medical costs ranging from routine check-ups to emergency treatments. With healthcare costs on the rise, having adequate health insurance is indispensable for safeguarding both physical well-being and financial stability.
3. Property Insurance: Whether it's our homes, vehicles, or belongings, property insurance shields against losses caused by theft, damage, or natural disasters. Homeowners insurance, renters insurance, and auto insurance are common forms of property insurance, providing peace of mind by mitigating the financial repercussions of unforeseen calamities.
4. Disability Insurance: In the event of an illness or injury that renders an individual unable to work, disability insurance offers income replacement, ensuring that essential expenses can still be met despite the loss of earning capacity. It serves as a crucial safety net, preserving financial stability and preventing a sudden plunge into hardship due to unforeseen circumstances.
5. Liability Insurance: Protecting individuals and businesses from legal liabilities arising from negligence or wrongdoing, liability insurance covers legal expenses and damages awarded to third parties in lawsuits. Whether it's professional liability insurance for professionals or general liability insurance for businesses, this coverage shields against potentially ruinous legal claims.

The Importance of Insurance:

1. Financial Security: Insurance provides a buffer against financial hardships by mitigating the impact of unexpected events. By transferring risk to insurers, individuals can protect their assets, savings, and livelihoods from being depleted by unforeseen expenses.
2. Peace of Mind: Knowing that oneself, loved ones, and possessions are protected against unforeseen circumstances brings a profound sense of peace and security. Instead of dwelling on the uncertainties of the future, individuals can focus on living their lives with confidence and optimism.
3. Risk Management: Insurance is a cornerstone of prudent risk management, allowing individuals and businesses to identify, assess, and mitigate potential risks. By having appropriate insurance coverage in place, individuals can effectively manage risks and navigate life's uncertainties with resilience and foresight.
4. Legal Compliance: In many jurisdictions, certain forms of insurance, such as auto insurance or workers' compensation insurance, are mandatory by law. Compliance with these legal requirements not only avoids penalties but also ensures that individuals fulfill their ethical and social responsibilities by protecting themselves and others.

Conclusion:
In an ever-changing world fraught with uncertainties, insurance serves as a beacon of stability and resilience, offering protection, security, and peace of mind. Whether it's safeguarding our health, homes, or financial well-being, insurance is an indispensable tool for navigating life's unpredictable terrain with confidence and assurance. By embracing the principles of risk management and financial preparedness, individuals can embark on their life journeys with resilience, knowing that they are fortified against whatever challenges may lie ahead.

Read More about Insurance

https://besthospitalsus.com/
In the unpredictable journey of life, insurance stands as a stalwart companion, offering protection and peace of mind in the face of unforeseen events. Whether it's safeguarding our health, securing our homes, or ensuring our loved ones are provided for in our absence, insurance plays a pivotal role in mitigating risks and fortifying our financial stability.

Recently moved from another province to Alberta. Within a couple days of moving here, applied for income support as I’ve been on disability from another province for a number of years. The income support worker who was assigned to my case sent me a lengthy email indicating she needed documents before May 2nd, which I promptly submitted on April 30th, confirming she received the documents via a phone call.
Fast forward to May 13th, having received no update on the status of my application I decide to phone in. The caseworker who was assigned to me has been off shortly after our discussion and it seems my file was closed on the 29th as per my request. For clarification, I called back the day after and spoke with the caseworker who I made the request and asked her to retract it. She responded with an email I am in possession of with a call log indicating that we were able to work past my initial trepidation.
There now seems to be no record of the email chain on their side for my submissions. She had indicated they needed a letter, requesting me to stop my previous form of income disability, which I did on the 30th, and now find myself in a situation where I am here with no form of financial support. What recourse do I have?

Hey all, applying to medical school. I'm on a full-ride scholarship that will support me through to becoming an attending as a result of a developmental disability. I studied Medical Bio/Neuroscience/Psychology as an undergrad and virtually all of my time outside of school is spent listening to psychology-related podcasts and lectures. I just really love the idea of contributing to mental health as a public figure. Currently, I serve on a federally mandated board for my state, writing health and education policies for 3M+ individuals with varying disabilities in my state. A majority of those have affective/cognitive problems as a primary disability.
Advocating for mental health has been an enormous part of my work as an undergraduate (even though I've been working toward these degrees for 8 years now due to financial constraints). As a result, I am even more drawn to working with marginalized communities and understand deeply how stigma and class can work against you even if you really are trying to "pull yourself up by your bootstraps." I look up to physicians like Karen Horney and Gabor Maté, who have been able to get their message out there in powerful ways, transcending the clinical milieu and garnering international attention from the general public.
But here's the rub. I feel like something is missing! I've worked in a dozen specialties over those 8 years, and I feel I really love psychiatry and what it represents; but at the same time, I think there's a lot of value in performing procedures or otherwise working with your hands. I worked in derm for 2 years and first assisted as a Mohs tech; one of the most fulfilling experiences of my life. Also really loved the ED for the variety. But even as I ooh and aah over a derm lifestyle, I feel like I'm betraying a field that I've invested so much of my energy to and that I can't imagine not doing.
Because I'm on scholarship, there is a lot of interest in terms of the program in me charting my path far ahead of time. I'm being asked what specialty I would like to approach, so that they can help me chart a path to get there. I want to say psychiatry, but there's just something missing and I can't put my finger on it.
Has anyone gone through this? How did you decide to do psych, and why did you turn down other more lucrative and tactile specialties?

In this blog, we delve into the complexities of military relocation, concentrating on DND personnel and studying strategies to simplify the procedure and ensure a successful transition.
Military relocation is crucial to military life, especially for those in the Department of National Defense (DND). It is either a new job assignment, a job transfer, or a deployment, which makes moving complicated and scary. Nevertheless, the transition can be smoother and less stressful for military members and their families if they carefully plan, coordinate, and use the support system they use.

Understanding Military Relocation

Moving military personnel and their households from one assignment station to another is considered military relocation. It is an essential component of military life and is inspired by operational needs, career advancement, and organizational requirements. For DND staff, relocation can be within the country or overseas, creating difficulties and opportunities.

Challenges Faced by DND Personnel

Moving as a Department of National Defense member is also a challenge that should be considered. These may include:
Frequent Moves: Military personnel usually have to deal with the problem of moving frequently during their time in the armed forces, which disrupts their personal and family lives.
Administrative Burden: The administrative tasks associated with relocation, such as accommodation arrangements, paperwork, and logistics, are overwhelming, especially when added to the already torturous circumstances of military service.
Family Adjustment: Moving can be challenging for households, including the partners and kids, as they must get used to the new conditions, the school, and the support they will receive.
Emotional Stress: The burden of relinquishing the home environment, friends, and support networks can affect the health status of military members and their families.

Streamlining the Relocation Process

Efforts to cut down the DND Relocation process for DND officers are necessary to lessen the problems and to make the transition easier. Key strategies include:
Comprehensive Support Services: Army members and their families can easily cope with relocation if they have guidance from comprehensive support services, such as programs to help people move, counseling services, and access to housing, education, and employment resources.
Advance Planning: Good teamwork and organization are the keys to a successful relocation. The military should give the troops plenty of advice regarding their imminent move so that they can be ready and solve any problems or logistics issues that may arise early on.
Tailored Solutions: Because DND personnel have different individual needs, the relocation processes should suit their specifics. This can be done by supporting people relocating internationally, deployed, or posted to the outposts.
Technology Integration: Merging technology with the relocation process can make many things go through the process with less hassle, from the electronic paperwork and the digital communication channels to the online resources for housing search and the information exchange.
Community Engagement: For military families going through relocation, forming a community and feeling attached to a group is essential. Promoting involvement with local support networks and those outside the military community and the civilian population can be the best way to create the connection, and the transition will be easier.
Financial Assistance: Scholarships for relocation will remove the financial complexities of the move for military members and their families. The organization can either cover for them or provide for them. For example, they may involve payment for the moving expenses, temporary accommodation charges, and help with the sale or rental of the home.
Education and Training: The education and instruction programs given to military members and their families to help them improve their skills and qualifications can increase their chances of getting a good job, especially in places without jobs.
Healthcare Support: The main goal of relocating the healthcare services is to maintain the continuity of the services in case of relocation. Explaining the process of getting healthcare facilities, moving medical records, and joining new healthcare programs is one of the ways to keep the health and well-being of military families.

The Role of the Department of National Defense

As the primary association is accountable for the nation's defense, the Department of National Defense plays a vital part in fostering the relocation of military personnel. It contains:
Policy Development: Formulating restrictive and extensive policies for military relocation, such as regulating eligibility, entitlements, and support services.
Resource Allocation: Resourcing relocation initiatives, such as allocating money to support programs, infrastructure improvement, and personnel training, is a great way to facilitate people's relocation.
Coordination and Collaboration: Working with other government agencies, military forces, and community groups to guarantee a unified approach to the relocation aid.
Advocacy and Representation: Promoting the voices and priorities of the DND personnel and their families at the top levels of government, including advocating for legislative reforms and the allocation of resources.
Final Words
Military Relocation is a part of military life, which means that they have to face the same difficulties and chances as people working for DND and also their families. Through the execution of the procedures to make the relocation process more accessible, such as the providing of services for help, the planning of the transition to the new place, the solutions that are suitable for the individual, the use of technology, and the involvement of the community, the Department of National Defense can make the relocation process for the military members and their families more effective. Thus, they can perform their duties at the new location.

I am in lots of CC debt, around $40k. I have been barely getting by with making minimum payments and it took an emotional breakdown to finally get myself in gear to erase this debt.
To get started, here are my figures:

• Capital 1 card with a balance of $9,600 with 23% interest
  
• Chase card with a balance of $9,500 with 19%
  
• Discover card with balance of $20,000 with 25%
  

A family member is loaning me $6,000 to help me get started in tackling this. My question is which card do I apply this $6k to? (To be clear, I intend 100% to repay my family although they refuse to be reimbursed)
I currently enrolled in Discover’s 6mo hardship program where my interest rate is 9% so I can start chipping away at the $20k and not just be paying off the interest.
In my uneducated financial mind, if I apply $6k to my Chase card with the second highest interest rate, I’d wipe that card out soonest and use those monthly payments towards another card.
Another factor (down the line) is my $300 monthly care loan that will end in Dec 2025. This $300 will also be put towards a CC balance when I no longer have those car payments to make.
Can anyone please steer me in the right direction where this $6k should be applied, and the way/order I should tackle these cards?
I have recently canceled and/or downgraded TV, internet, streaming, subscription boxes, etc - so I don’t wind up back where I started.
Thank you greatly for your help & advice.

I’m failing at my job. It’s actually a decent job with a great money potential, but my anxiety and frankly probably just straight up laziness prevented me from performing the way I should have been. It’s like something in the universe is keeping me from doing what I need to do to provide for my family.
I was driving the other day and I almost got into a bad accident. Instead of being scared or mad or whatever the normal emotion would’ve been, my immediate thought was “that probably would’ve been for the best.” I’m not suicidal, I’m not hoping to die or anything, I’ve just started to realize that my life insurance is more valuable than my pathetic attempts at providing for my family.
Idk what advice I’m asking for. After that near accident, that thought scared me. I know my kids need me, so I immediately scheduled a Dr on Demand call with a psychiatrist. I’ve never had any mental healthcare in my life, but I know I need to do this for my children. The psychiatrist asked me 5 questions and prescribed escitalopram. I felt unhelped and rushed, maybe even brushed off. So I scheduled an appointment with a therapist for tomorrow.
I guess if anyone has any recommendations on telecom business sales careers near Indianapolis, that would be so helpful. Or if anyone has ever been in a similar situation, I just need help. Any wisdom or reassurance would be great.
I cried putting my kids to bed the other night and I just couldn’t tell them why. I just couldn’t tell them that their daddy is too much of a fucking loser to give them the life they deserve. I can’t explain to them what financial hardship is, bankruptcy, debt, or how most dads my age own their own homes and have a savings built up and that they’re the unlucky kids who got stuck with a lazy piece of shit father that can’t get anywhere in life.

This is advice for high schoolers looking for student life, facilities, great professors, accreditation, scholarships, and university fees that are worth the price.
AUS is overrated and no longer as it was
Here’s why:

1. All the great AUS professors have left and gone to either RIT, KU, or HW. I can't mention names, but you can find them on these universities' websites.
   
2. It’s more expensive for less value. There’s no place to sit in the cafeteria, very limited spots for facilities and student activities, all for 110k a year.
   
3. Culturally biased. The university is usually chill, but as an Arab, I hated when my close friends and colleagues left out or flexed on other nationals. Since it’s an Arab dominated university with many students coming from daddyies money so it’s challenging for international students.
   
4. The only scholarship available is the 10% Dean’s List. Those in need rely on financial aid, which is generally good. The only other scholarship you can possibly get is sports which also allow you to use sports facilities besides (AUS teams always get beat, so you have a solid chance).
   
5. Graduation tickets are 750 each, so picture the rest of the activities fees.
   

This is just advice for freshmen not to get caught up in the AUS trend. AUS is still a good university its 2014 prime was great but it went down since, there are many better alternatives nowadays that will prolly suit you better.

I need help choosing a college (17; Mech Eng)
Context: My dream schools are Cooper Union and TEDI London. I got denied from Cooper back in December and recently accepted to TEDI. Right now TEDI-LONDON and University of Arizona are looking like my best options and I'm leaning towards London, however I'm having trouble coming up with funds to meet TEDI's International acceptance financial requirements (pay a $4k deposit and show that you can pay for a years worth of tuition and housing). Right now I calculate that it would cost around $33k for London and about $27k for UA. Also, I can't work in London due to the school's visa sponsorship status.
*Every tuition listed is after institute merit scholarship

1. Commit to London and a. Get a private loan that can be paid for after college or based off of income and immediately get a job after college b. Pray on scholarships c. Pray I can get a remote job like copy editing based in the US d. All of the above
   
2. Go to UA and a. Try again for Cooper and London in the fall. Though trying again for London is questionable as it's curriculum is foundationally different.
   

Hi, I (32F) have a long distance relationship with my bf (25M). We belong to the same country/culture and this was the reason we got along so well when we met in a work related conference in Germany. We had splendid time, after a week I had to go back to the states where I am currently residing, he went back to india. We continued talking and we decided to be in a relationship owing to the magical time we had spend together. The relationship is long distance and we went through all kinds of emotions in one year time.
I encouraged/helped him with applications to study abroad some where we could be close (country wise) in future. By 7-8 months in the relationship he did ask me about marriage and though it was too soon I did express that I would be happy to take it to the next level despite the fact that both of us are not financially ready for the burden. I was also okey with it because I was ready to get a good job since I was almost done with my degree, and I could help him get steady wheather he wanted to work or study for at least 1-2 years if it comes to that.
By the end of our one year relationship (now) I have finished my degree. I am planning on moving to India for some time 3-6 months depending on how things go. The problemstarted when I sensed a change in his behaviour he thinks I might be cheating (he did not mention that word but I knew what he meant), I also got “where did we go wrong” and should postpone marriage until the end of the year. I tried to have multiple conversations about all of the above mentioned issues, for example I told him that his feelings could be because we haven’t seen each other in over a year at this point, and the honeymoon period is over and may be when we meet it will get back to how it was. I also asked him if this is not what he think it is he can think about the relationship and let me know where he stands, I gave him by the end of the week (A-so he can decide if he wants this relationship as it has its challenges, B- I don’t want to meet him if he is unsure of this relationship).
Couple of days ago he received an acceptance letter from a program that will allow him to travel 3-4 countries in two year times whilst studying abroad. He is excited and I am happy for him (I helped him with the application, when he got rejected I asked him to appeal or challenge the rejection as I truly believed in him and in the work he had done). Meanwhile I booked my ticket to home and was planning on meeting him. The flight is 12+ hours long and the flight is indirect so there are waiting periods of 3-4 hours in between the flight. I asked him if he would like to drop me off to my home city this would give us a perfect chance to talk and connect and it would help me get to my home quicker, rather than hanging out in a café or something for 2-3 hours before I head home which is 4-5 hours away from the airport (as I would be exhausted). He did not like the idea as it would take him too much time to drop me off and come back. He also mentioned that he doesn’t own a car and don’t want to borrow one (among other reasons).
I got extremely disappointed because I was bottling in everything since last 2 months about how he looks at this relationship, and now he can’t tag along to spend some time with me. The relationship dynamics were never perfect, and we discussed that in the early stages of the relationship, but now that I am looking at everything all together I feel like I made a mistake in starting something that has too many issues like age difference, speed of life, him moving away for 2 years and me going to back to the states. I do not think the relationship can last for another 2 years in long distance. I want to get settled with a partner who I can reach out to (same country neighbouring country). But than I think I am putting too much efforts and flexibility for someone who can not take 4-5 hour drive with me.
Tl;dr long distance relationship(1 year) with my bf who is younger than me is too excited about moving to another country and totally forgot to take an account our relationship into equation when I was totally flexible to accommodate him in every possiable way. I am moving back for some time and he is refusing to drop me off to my home from the airport because it’s going to be a lot of travel(5-7 hours) while I am going to take a 13 hr long flight.

Good morning. US stock futures inched higher in Wednesday morning trading as Wall Street awaits fresh US inflation data.
S&P 500 +0.04% Dow +0.04% Nasdaq +0.02%
✈️ Boeing in hot water…again
*📝 Our report: *Boeing's in a bit of hot water again – turns out they've broken the terms of their settlement deal that kept them out of the criminal spotlight after those unfortunate 737 Max mishaps more than five years ago, according to the Justice Department. It is now up to the Justice Department to decide whether to file charges against Boeing.
🔑 Key points:

• New 737 Max jets crashed in 2018 in Indonesia and 2019 in Ethiopia, killing 346 people.
• Boeing reached a $2.5 billion settlement with the Justice Department in January 2021 to avoid prosecution on a single charge of fraud — misleading federal regulators who approved the plane.
• In a letter filed in federal court in Texas, Glenn Leon, head of the Justice Department criminal division's fraud section, said Boeing violated terms of the settlement by failing to make promised changes to detect and prevent violations of federal anti-fraud laws.

💡 So what: If the Justice Department files a lawsuit against Boeing for breaching its agreement, the consequences could be significant. Boeing may face hefty fines or penalties, and the company's reputation could take another hit, potentially leading to a loss of trust from customers and investors. Additionally, the legal proceedings could drag on for an extended period, diverting resources and attention away from other business priorities. Overall, such a lawsuit could have far-reaching implications for Boeing's financial health, reputation, and future business prospects.
🤖 Google overhauls search engine with more AI features
WHAT: Google just dropped the mic with some major changes to its Search product – they're unleashing generative AI to serve up answers faster than you can say "Hey Google!" The announcement, part of Google’s I/O developer conference, brings a new look to Search via its AI Overview. The feature provides a brief, AI-generated answer to searches, coupled with a series of links to the sources cited in the response.
WHY: Google is the world leader in search, with research firm Statcounter indicating the company controls 91% of the market compared to rival Microsoft Bing’s roughly 4%.
📈 Fed Chair Powell: Inflation to continue falling this year
WHAT: Federal Reserve Chair Jerome Powell just pulled out his crystal ball and predicted that U.S. inflation will keep on slinking down like it did last year, but with a little less swagger this time around after prices surprisingly jumped in the first quarter. "I expect that inflation will move back down ... on a monthly basis to levels that were more like the lower readings that we were having last year," Powell said at a banking event in Amsterdam. "I would say my confidence in that is not as high as it was."
WHY: Powell spoke shortly after new data showed producer prices in April rose more quickly than expected, a possible sign of pressure building on the prices charged to consumers. The Fed has kept its benchmark policy rate steady in a 5.25% to 5.5% range since July.
🚀 Rocket company set to resume space tourism flights
WHAT: Blue Origin, backed by Jeff Bezos, is gearing up for another round of space escapades, ending a near two-year pause of crewed operations following a 2022 mission failure. The upcoming NS-25 mission will have six crew members, including former Air Force Captain Ed Dwight, the first Black astronaut candidate in the United States.
WHY: The New Shepard rocket, which flies cargo and humans on short trips to the edge of space, has been grounded since a September 2022 uncrewed mission failed roughly a minute after liftoff from Texas, forcing the rocket's capsule full of NASA experiments to safely eject mid-flight.

I'm a 21-year-old recent university graduate in Melbourne and I'm really struggling to find any kind of job, even entry-level part-time, casual or temporary roles.
I've been applying for heaps of these types of positions, but I'm getting nowhere. I might occasionally make it through to the video interview or assessment stage, which takes so much time and effort, only to get a generic rejection letter in the end.
I'm not just looking for jobs in my field of science either - I'm open to all sorts of entry-level roles, whether that's admin, customer service, you name it. But it seems like I can't even get my foot in the door anywhere.
Has anyone else gone through this challenge of trying to land that first job after graduating? The job market just feels incredibly competitive, even for the most basic positions. My resume is nothing basic either, I have experience, internships and extracurricular activities and volunteer roles.
If you have any advice on how I can improve my applications, stand out, or get my foot in the door somewhere, I would really appreciate it. I'm starting to get really worried about my future prospects and financial situation.

I am a 20 year old male. Growing up I remember my parents facing financial hardship. I often felt left alone, and I occupied my time trying to do something else, like playing video games.
From kindergarten to elementary school I’ve mostly been educated by my grandparents. The same, kinda dissociative, day dreaming sensation I’ve felt since childhood was present throughout my school years. Almost like I was trying to constantly escape reality, because it’d be too painful to actually live it. Now I have still been able to make a few friends along the way of course. But for some reason I was always « in the shadows » you could say. I was scared of others and so others either left me alone completely (80% of the time) or they’d just mock me for any reason possible.
So I had tremendous social anxiety and would hardly trust others.
I also was extremely prude from a very young age. I’d panic to the idea of being naked. From ages around 4-5 I remember being scared shitless of removing my clothes.
I’ve also repeatedly been told by adults that « I was very mature for my age ». Which now, thinking back on it wasn’t normal for a kid, to act so suppressed and careful.
I would never cry to not bother my mother or anyone for that matter. I didn’t want to be a problem. The biggest issue I guess is when my mother tried to have sex with me when I was around 11. I remember trying so hard to forget about it. And I think I managed to forget some parts. Since then I do not trust women and I can’t bear physical touch.
It has seriously impaired my relationship with others. I do have a few friends, a job, and an ok life despite living with my parents still. No one knows about this event and I never talked to my mother about what happened. I just pretended it never happened. Other than that it’s a pretty normal family. And I love my father and my mother. I just don’t understand.
How do I recover? Is it my fault?

Throw away account. Mom died in November. I (m45) was POA over financial and medical and she lived with me for 5 years prior. I paid for all bills as I also worked from home full time. The deal was she bought the groceries. My 17f daughter also lived with us and helped out. 6 months before mom passed Dad had a heart attack (divorced lived close by) and I was bouncing back and forth caring for both. At that point I started paying my dtr for care when I was at dads because she had to toilet and feed her. My sister 49f would swoop in and make a big production but never actually help. Dad died in September and my sister made it all about her. She was always the golden child I was the second fiddle. Right after Dad died my girlfriend (we didn’t live together) died in a car accident. I’m dealing with double grief so I put my Mom in a nursing home because it was just to much. My mom and sister acted like I was a problem and bad mouthed me to anyone who would listen to the point that my dtr and I just packed up and moved across the country in October. Mom ended up in the hospital and my sister told everyone she was in charge even though I showed up with living will and POA. She actually moved her without telling me even though I had made it clear to the hospital I had concerns she would do this (reported them to state they got in trouble). My Dad had nothing, he rented and lived off Ss. My Mom had sold her house years ago and as advice of lawyer the money was placed in my name. We flew in for mom’s funeral and my sister made a big production of what she did for mom and not a single family member spoke to my dtr or me and acted like we were horrible people. Day of funeral she texted me telling me to put all the money into mom’s account and give her blank checks. (Mom and I had a joint account with about 5k in it) I told her no if there were bills I would pay them and just offered to give her half. She flipped out saying how dare I talk inheritance on the day of her funeral. I hear nothing for two months. I text her I’m flying in and going to close the account how would she like her money. She states I’m not allowed to do that she called an attorney she is executor and she has questions. We meet and she provides a list of questions. She said my dtr was under 18 and therefore couldn’t be a caregiver and demanded she pay it back. She questioned Amazon charges and 600 cash that we got when we sold her car. She demanded receipts for every purchase ever made with moms money (I guess poa said I had to keep receipts). I got visibly upset and said I didn’t steal. She told me I had two weeks to get them or the lawyers would make me. (The entire estate is worth about 75k). My sisters husband is a doctor and makes loads of money I’m a single dad making less a year than the estate is worth. 3 weeks later she sent a nasty letter demanding all these things and saying I had a week to produce them or the lawyer was coming after me. Luckily between calling around and going online I was able to get almost every receipt for last 5 years. I did uncover that my sister used my moms ss# to obtain online access for moms and mine joint account. (Bank offered to transfer me to fraud). My mom had also gifted my aunt 15k a few years back (aunt is now dead) and me 30k when I bought my house a few years back. The paper trail shows mom signed and withdrew the money but I’m afraid my sister will claim as poa I should have stopped her (she had early dementia). I put everything on a thumb drive and mailed to my sister certified mail on 4/1. Had no idea she was on a cruise so they said they would redeliver but never did. I have no idea if the package was delivered and the post office is like to bad. I’m afraid to ask my sister if she got it. It’s been 6 weeks and I’ve heard nothing. I don’t want to ask my sister because she will think I need the money and just drag it on. I also got a 5k insurance check I’m afraid to cash because she will accuse me of stealing. Now I didn’t do anything wrong but towards the end I’ll admit I was buying extra things at the grocery store such as toilet paper (which I had previously bought with my money) make up for my dtr and a take outs (mainly because I was pissed at my sister and thought less money for her). I’m terrified a lawyer is going to hold me to the 45k and say I shouldn’t have done that and I’ll end up having to take out a loan and give my sister additional money. What if they make me pay back anything I can’t produce a receipt for? I have no idea what I’m supposed to be doing and my anxiety is terrible. I wanted to buy my dtr a car with some of my half and now I have to wait. Any advice please. I have no one left in this world but my dtr.

I was diagnosed with autism when I was 31 in 2021. Throughout my life, since I was a teen, I have always struggled to keep a job, whether it was because the workplace closed down or because it was only a college job and it was temporary, but most of the time, it was due to burnout and stress. Two years I left a job that was so overwhelming and overstimulating that it led to a meltdown. It took me almost a year to find another job. I have a part-time job now where I work from home and occasionally take on photo or video gigs as part of the job. But the gigs don’t happen often, so my income is very limited and not very much. I only make $180 a week. I like this job most days because I get to work from home and also because it’s repetitive. But I wish the pay was better.
So this year, because of my issues with work and always struggling financially, I decided to apply for SSI and also to help my parents with the rent because the expenses increased a lot. I really thought I would get the SSI, but I just received a rejection letter stating I don’t qualify for SSI because I’m not considered severely disabled and also because I’m able to work. I try not to put limitations on myself, but there are days when I struggle with my work tasks. I get overwhelmed when I have too many tasks I need to do and because I only work 4 hours a day for 3 days a week. I get overwhelmed because when I have a lot to do, I stress over what I should work on first. Then, my boss will let me know what I should prioritize first, but then I will get far behind with the other tasks I have to do. Basically, my work involves creating and scheduling social media posts for companies. And other times it’s editing videos or photos for content creators. So my boss finds the clients and I work for them. But sometimes it gets too much because the clients will contact me that they need something done, but my boss wants me to focus on one thing, and I end up forgetting about what the client wanted. Sorry if I’m not getting to the point of this post. So basically, work can be stressful sometimes. I also have Hashimoto’s and anemia, and my anxiety and racing thoughts often lead me to have trouble sleeping. So there are days when I’m trying to work, but I can’t concentrate, whether because I’m too tired or distracted. Or because I’m so burnt out or stressed that I can’t seem to work on my tasks. So, it causes me to be far behind in my work. When these things happen, I tend to work on the tasks on my days off just to catch up.
Sometimes, I wonder if I’m just being lazy or making excuses for my struggles with work or for wanting SSI. Because I can cook for myself and walk and talk. I just struggle with some things. Which makes me hesitant to reapply again to SSI. When I did the interview they said I would only be getting $400 because of how much I make for work. It’s not a lot, but I guess it would be enough for me to help my parents pay rent. I just feel like I could be doing more. But I don’t know if I am limiting myself or just being lazy. I just wish being an adult wasn’t so overwhelming and hard. I wish things weren’t so complicated or even expensive. I don't know what to do with my life anymore. I just feel useless sometimes. Sorry for this post being so long and not straight to the point. I hope it made some sense.

Every year at Robert Land Academy, we host a Gala. The fundraiser event aims to raise the profile of the school and funds for a special project.
This year, the Academy focused on receiving donations for the Founders Scholarship Fund. The Founder’s Scholarship Fund provides financial assistance to families who may not afford a private school but whose sons would benefit from attending Robert Land Academy. In previous years, the Academy has raised funds for a new rappel tower and science lab.
This year, with the help of everyone who attended and donated we raised over $28,000 that evening.
As we reflect on the success of the gala, we are filled with gratitude for the support of our community and the dedication of our team. Together, we are making a difference in the lives of young men and shaping a brighter future for generations to come.
Thank you once again for being part of this special event. Your continued support fuels our mission and inspires us to reach greater heights.
To learn more and see the highlights from that night, watch the video here: https://youtube.com/shorts/BvOBBfV0nus

https://brokenmbb.medium.com/the-downfall-of-an-mbb-consult-282140a9d60e
From the fine article:
I am a former management consultant who six months ago decided to leave the firm because of severe stress and signs of burnout. Six months on I am battling severe PTSD and deep depression following the whole downfall. I am currently admitted to a psychiatric ward where I receive sufficient care. For those of you who are unfamiliar with MBB, it refers to McKinsey, BCG, and Bain — the three of the world’s top consulting firms. I started with the MBB firm as a senior hire, which was unheard of at the time. Having previously spent five years at a less prestigious / tier-2 firm, I had to spend a lot of energy and time proving that I was ‘good enough’. One of my first projects was a big ‘transformation project’ for a troubled corporate. The project conditions were insane. One of my team member turned up at work shaking because she had slept on average less than 4 hours per night during the last five days. She was in charge of the financial model, which was incredibly stressful for her. She left shortly thereafter. During the project I received multiple ‘coaching’ lessons in a rather aggressive manner. I wasn’t being 80/20 enough. I was focusing on the wrong things. I wasn’t able to “crack the case” well enough. All the comments were likely fair, but the delivery format was dubious. At one occasion I broke down in front of my boss who just kept giving tense feedback. It was as if I deserved extra treatment because I was the new senior hire and didn’t necessarily know all the right ways of working. The MBB firm liked to talk about ‘homegrown’ vs ‘non-homegrown’ talent. Homegrown talent that had come ‘up through the system’ was rated higher than people like me. Even after five years I was still referred to as an external hire; not ‘homegrown’ talent. My project reviews were generally stellar and I was a high achiever who did my very best to fit in. Still, I just wasn’t homegrown. My downfall last year started with panic attacks due to a very senior client expecting us to have overnight meetings ever two weeks. Meeting start, if lucky, at 11pm and, normally, end around 4.30am. My whole life revolved around this client’s diary and created an immense sense of anxiety because I was expected to prepare contents for these meetings at extremely short notice. Often the partners involved would change their mind last minute, resulting in significant rework and hours wasted on producing the wrong content. An added stress factor was the pressure to keep the project team happy. Every week a survey was run. Junior team members would often use this as an outlet against the leadership team because they were overworked and stressed. So as the project manager I was tasked with the challenge of ‘fixing’ the engagement projects. Most of the issues were out of my control — rude clients, client not making decisions fast enough, boring topics, etc. It was almost impossible to turn around, but it still was my job to be the ‘fun uncle’ for the team and keep scores up. In essence, the pressure was four-fold. Pressure from the client to deliver a good recommendation. Pressure from partners to sell the next engagement. Pressure from the project team to fix all of their issues. And pressure from the family at home to spend more time, travel less, and be present. These four pressures broke me completely. One night I woke up with severe panic attacks because I knew I had one of these all-nighter meetings coming up, but I didn’t know when. Out of frustration I hammered my hand into the wall multiple times. The next morning I notified my manager that I had severe panic attacks. He told me to rest up. After ongoing discussion with my psychiatrist, I got my psychiatrist to send a letter to my employer, asking them to reduce my workload for a period of of time. This is what common practice in most European countries. This request didn’t go down well. As a consequence, I was pulled into a meeting by my supervisor who asked me when I would get better: “What’s your timeframe? When will you be better? We need to know now.” Of course I had no idea: It is really a question of how long is a piece of string. It depends on how well I can manage my symptoms and anxiety I was experiencing from the stressful work conditions. Shortly thereafter, I decided to resign because I couldn’t withstand the pressure anymore. They gave me six months paid leave to find a new role, which I have done. Fact of the matter is that working with an MBB ruined large parts of my life. I have been given the diagnosis PTSD following the downfall last year and how I was treated. I now suffer from severe depression and I have no confidence in my own ability to undertake complex or stressful work. More to come.

I'm sitting in my nice apartment in the favorite city with my handsome boyfriend and my cuddly cat, crying. I can't find a job and I'm scared. It feels like I am washing away my achievements with every tear that runs down my face. I can't see beyond this hurdle to the beautiful life around me, but I refuse to relax until I get that offer letter. Maybe I'm acting entitled, but I can't help but fearfully imagine that without a job, this life in front of me could be taken away. I know I am not alone but that doesn't give me camaraderie, rather sheer hopelessness and panic. Shouldn't a job be more of a right than a privilege?
I am on a ride with the universe. Every 10 days or so, I feel a spark of hope with an enlightened new venture that could pan out. A dream job posting, a new email from a recruiter, a LinkedIn notification, a friend who knows someone. Often it's just a grand promise of an opportunity from yet another charlatan that I always fall heavily for. The bottom feels endless, with hundreds of applications rotting in some forgotten inbox. Currently left unread by my last application spree, resources tapped out, zero opportunities on the horizon paired with a rolling wave of bad surprises. New charges, prices rising, emergencies, taxes, rent, health, bills. Normal stuff I could handle if I had a job! It just all feels so heavy and I have no foundation to hold it up anymore.
Every night, I battle with myself to try and fall asleep. Pills, vitamins, tinctures, teas, meditations, exercises, ASMR, cooking videos, anything. Now it's just a mixture of it all along with trying to soothe my nerves enough to trick my brain that it's tired and needs to stop chattering. Once I finally get to sleep, I usually startle awake around 3:30, scared out of my wits, my nerves are on fire and I am visualizing something in the room with me that is somehow evil and staring at me. I try to calm myself down with a bathroom trip, a prayer, and eventually more phone time feeling the side of my face burning from fear, my stomach tossing in knots. I lay still in the light of my phone while I try not to let the feeling that something is going to pop out and grab me. Too scared to have my feet feel the air outside of the covers so I don’t get dragged by whatever evil thing is at the foot of my bed or watching me from the walls.
This started during the pandemic. I was so stressed out I started having hallucinatory night terrors. It resumes itself whenever I am stressed. My body turns on me at times when I need peace, startling me awake for fear of a dark shadow demon with long fingers near the window or a spindly witch with ear-to-ear pointed teeth at the top of my wardrobe. Objects and reflections transform into evil entities that startle me awake in fear. My body is in fight or flight mode, my neck is tingling, all the hairs on my body are standing to attention and I feel every muscle in my body tense. I can't wake anyone up because I am frozen within my terror. The most I can do is ignore it and run towards the real evil, my phone. A pacifier for anxiety that only feeds my fear more and more every time I use it. I can't stop turning towards it because I would have to sit and stare at the nightmarish demon taking the form of the curtains on my window that night. The demon always seems so real when it approaches me, when it wakes me up to watch me suffer.
I know my night terrors are just a symptom of a bigger issue, my stress. I also know they are genetic. My dad would wake up screaming in the night and my mom would flip the lights on to snap him out of it. My brother would take different forms of his night terrors often sitting in front of the TV in his usual spot when we were younger. Now his wife describes him waking her up in the middle of the night by removing her "live laugh love" decor and putting it in the garage. I wish my night terrors would just let me redecorate. I am in an impossible position, my stress is causing my night terrors, but my money problems are causing me stress. So essentially, the demon in the corner of the room is a figment of my bank account, my rejected applications, my dead-end wishes for a career, my student loan debt, and astronomical rent. How can I, an unemployed and overly anxious person, finally crush this demon? Well, I've bought some sage today. That's a start.
In my dream apartment with my boyfriend and my cat, I find myself in tears, scared, and jobless. Each tear feels like an erasure of my achievements. I’m terrified of losing everything without a job. I feel alone and panicked. Despite the occasional flicker of hope with a potential opportunity, the reality is hundreds of untouched applications and a constant wave of financial difficulties.
Sleep is a struggle, with anxiety-induced insomnia and night terrors. Each night, I wake up in fear, hallucinating terrifying entities. These terrors, a manifestation of stress, are inherited. My father and brother experienced similar episodes. Now, my stress and financial woes fuel these night terrors. I’m caught in a vicious cycle - stress causing night terrors and financial troubles causing stress. How can I, unemployed and anxious, overcome this? I've started by buying some sage.

The world beckons with its rich tapestry of cultures, vibrant landscapes, and exciting opportunities. But before you embark on your international adventure, navigating the world of visas can feel like stepping into a labyrinth. At Adric Immigration Consultants, your trusted partner in Bangalore, we understand the complexities of visa applications. This comprehensive guide aims to shed light on the different types of visas available, helping you choose the right path for your aspirations.
The Big Picture: Broad Visa Categories
Visas act as official permissions granted by a country to enter and stay within its borders for a specific purpose and duration. Broadly, visas fall into two main categories:
1. Non-immigrant Visas:
Designed for temporary stays, non-immigrant visas cater to diverse needs, including:

• Tourism (B-1/B-2): Ideal for sightseeing, visiting family and friends, or attending short-term events like conferences.
• Business (B-1): Allows participation in business activities that don’t involve paid employment in the host country. Examples include attending meetings, negotiating contracts, or conducting market research.
• Work (H-1B, TN, etc.): Enables qualified foreign professionals to work in specific occupations for a sponsoring employer. The type of work visa required depends on the profession and the reciprocity agreements between countries.
• Student (F-1): For individuals pursuing full-time academic programs at accredited institutions. May come with restrictions on work authorization.
• Exchange Visitor (J-1): Facilitates participation in exchange programs like cultural exchanges, internships, or research collaborations.

2. Immigrant Visas:
For those seeking to establish permanent residence in a new country, immigrant visas pave the way. These typically involve a lengthier application process with stricter eligibility requirements. Common types include:

• Employment-Based: Grants permanent residency based on a job offer with a sponsoring employer in the host country. Categories exist for skilled workers, investors, and individuals with exceptional abilities.
• Family-Based: Allows sponsorship of immediate family members (spouse, children) by a U.S. citizen or permanent resident.
• Diversity Visa Lottery: Provides a limited number of visas annually through a random selection process.

Going Deeper: Specific Visa Types and Considerations
Understanding your purpose for travel is crucial. Here’s a breakdown of some commonly sought-after visas and key factors to consider:

• Tourist Visa (B-1/B-2):
  • Duration: Typically short-term stays, ranging from a few weeks to several months. Extensions might be possible depending on the country’s regulations.
  • Eligibility: Varies by country. Generally, applicants need to demonstrate sufficient financial resources, ties to their home country, and a valid passport.
  • Important Note: Working or studying while on a tourist visa is strictly prohibited.
• Business Visa (B-1):
  • Duration: Similar to tourist visas, with extensions potentially available.
  • Eligibility: Proof of business purpose, such as invitations from companies, conference registrations, or business documents, is essential.
  • Restrictions: Engaging in paid employment or setting up a business venture is not permitted under a business visa.
• Work Visa (H-1B, TN, etc.):
  • Duration: Varies based on the specific visa type and job offer. Extensions and renewals are often possible.
  • Eligibility: Requires a valid job offer from a U.S. employer willing to sponsor the visa petition. Specific qualifications and experience are mandated for each profession.
  • Labor Certification: For certain categories (e.g., H-1B), the employer must first obtain a labor certification demonstrating that hiring a foreign worker won’t adversely affect U.S. worker opportunities.
• Student Visa (F-1):
  • Duration: Valid for the duration of the academic program, with potential extensions for practical training after graduation.
  • Eligibility: Acceptance letter from a SEVP-certified educational institution, proof of financial support, and a valid passport are mandatory.
  • Maintaining Status: Students must maintain full-time enrollment and comply with program requirements to keep their visa valid.
  • Work Authorization: Limited on-campus or OPT (Optional Practical Training) opportunities might be available depending on the program and student category.
• Employment-Based Immigrant Visa:
  
  • Duration: Leads to permanent residency status, allowing indefinite stay and work authorization.
  • Eligibility: A valid job offer with a sponsoring employer and meeting the specific requirements of the chosen visa category (e.g., EB-2 for professionals with advanced degrees) (EB-3 for skilled workers with less education but experience) are crucial. The process can be complex, and seeking guidance from an experienced immigration consultant is highly recommended.
• Family-Based Immigrant Visa:
  
  • Duration: Leads to permanent residency status.
  • Eligibility: U.S. citizens or permanent residents can sponsor immediate family members (spouse, unmarried children under 21). The process can be lengthy, and wait times can vary depending on the relationship and visa category.
• Diversity Visa Lottery (DV Lottery):
  
  • Duration: Leads to permanent residency status if selected and the application process is completed successfully.
  • Eligibility: Open to nationals of countries with historically low immigration rates to the U.S. Selection is based on a random drawing.
  • Important Note: Winning the lottery doesn’t guarantee a visa. Applicants must still meet all eligibility requirements and undergo the full application process.

Beyond the Basics: Additional Considerations
Visa processing times and fees can vary significantly depending on the visa type, country of application, and individual circumstances. It’s crucial to factor in these costs and potential delays when planning your international move.
Visa reciprocity plays a role in certain work visa categories (e.g., TN visa between the U.S., Canada, and Mexico). Understanding the reciprocity agreements between your home and destination countries can help determine your eligibility for specific work visas.
Dual citizenship allows individuals to hold citizenship in two countries simultaneously. Eligibility for dual citizenship varies by country. Researching the policies of both your home and target country is essential if this path aligns with your goals.
Travel restrictions can be implemented due to various reasons, including pandemics or political situations. Staying updated on current travel advisories is crucial before embarking on your international journey.
Your Trusted Partner in Navigating the Visa Maze
At Adric Immigration Consultants in Bangalore, we understand that navigating the complexities of visas can be overwhelming. With our extensive experience and in-depth knowledge of global immigration regulations, we are here to guide you every step of the way.
Our Services:

• Visa Type Assessment: We will help you identify the most suitable visa category based on your specific circumstances and goals.
• Application Assistance: We will provide comprehensive guidance and support throughout the application process, ensuring all documentation is accurate and complete.
• Preparation for Interviews: We will equip you with the knowledge and confidence to successfully navigate visa interviews.
• Staying Updated: We will keep you informed of any changes in immigration policies or procedures that might affect your application.

Contact us today for a free consultation and let us help you turn your international dreams into reality. With Adric Immigration Consultants as your partner, you can start on your global journey with clarity, confidence, and peace of mind.