Buying property in Dubai's secondary market can be a rewarding investment, but it requires careful planning and understanding of the local real estate laws and market conditions. This guide provides a step-by-step approach for both international buyers and residents, outlining the necessary requirements, procedures, and tips for a successful transaction.
1. Requirements and Alternatives for International Buyers Requirements: - Eligibility: International buyers can purchase property in designated freehold areas. - Documentation: Passport copies, entry visa, and proof of address in the home country. - Emirates ID: Not mandatory for non-residents but can simplify the process.
Alternatives Without a Bank Account: - Local Payment Solutions: Use reputed real-estate agencies who provide the manager's cheque on your behalf on agreed terms and services (an agreement is signed between both the parties to secure their interests)
2. Requirements for Residents Cash Buyers: - Proof of Funds: Bank statements or financial certificates (Not required in case of transactions below 10 Million AED). - Identification: Emirates ID and passport copy.
Mortgage Buyers: - Pre-Approval: From a local bank, indicating the loan amount. - Income Proof: Salary certificates and bank statements. - Credit History: Evaluation by the bank. - Down Payment: Typically 25-30% of the property value should be paid by the buyer himself including the other costs such as 4% DLD (Dubai land department) registration fee & 2% Agency fee.
** 3. Deciding on Cash or Mortgage** Factors to Consider: - Cash in Hand: If you have enough liquidity, cash purchases avoid interest payments and simplify the process. - Pre-Approval: Mortgage buyers should secure pre-approval to understand their budget limits. - Market Conditions: Interest rates and property price trends can influence the decision. - Investment Goals: Long-term vs. short-term investment strategies.
4. Hiring a Specialized Agent Finding the Right Agent: - Experience: Look for agents with a track record in the desired community. - Credentials: Ensure the agent is RERA certified (Real Estate Regulatory Authority). - Referrals and Reviews: Check online reviews and get recommendations.
Agent’s Role and Responsibilities: - Market Analysis: Provide insights into market trends and property values. - Property Search: Identify properties that match your criteria. - Viewings: Arrange and accompany you to property viewings. - Legalities: Assist with legal paperwork and ensure compliance with Dubai Land Department (DLD) regulations. - Negotiations: Negotiate on your behalf to get the best price.
5. Forms Utilized at Different Stages - Form A: Agency agreement between seller and agent. - Form B: Agency agreement between buyer and agent. - Form F (Contract F): Sales contract between buyer and seller, outlining the terms and conditions of the sale (also referred to as MOU). - Form I: Agreement between mortgage broker and buyer (if applicable).
6. Presenting an Offer and Negotiations - Initial Offer: Your agent presents your offer to the seller. - Negotiations: Counteroffers may follow until a mutual agreement is reached. - Acceptance: Both parties sign the Memorandum of Understanding (MoU), also known as Form F.
7. Signing of Form F Contents of Form F: - Buyer and Seller Details: Names, contact information, and identification numbers. - Property Details: Address, plot number, and description. - Price and Payment Terms: Agreed price and payment schedule. - Conditions: Any conditions or contingencies (e.g., inspection, financing).
8. Registration and Other Aspects Final Steps: - NOC from Developer: Required for property transfer should be provided by the seller. - Transfer of Ownership: Conducted at the DLD or a registered trustee office. - Title Deed: Issued in the buyer’s name once the transaction is complete. - Utility Connections: Transfer utility services to your name.
Additional Tips: - Due Diligence: Research the developer’s reputation and the property’s history. - Market Comparisons: Compare prices of similar properties to gauge the right price. - Legal Advice: Consider hiring a legal advisor to review contracts and ensure your interests are protected ( not required in most cases as the forms utilised in different stages are a standard format by the DLD which is simplified for the easy understanding of both buyer & seller).
Buying a property in Dubai's secondary market involves several steps, but with the right preparation and professional assistance, it can be a smooth and rewarding process. Whether you’re an international buyer or a resident, understanding the requirements, choosing the right financing option, and working with a specialized agent are key to a successful investment.
(Please advise if any details are missing or incorrect & I will rectify them if they are correct)

Hi all I’m looking to pursue a new career path. I am interested in making more money and learn something new. I currently have a degree in biology and i have been working predominantly in remote customer service roles since I’ve graduated. I am burnt out from those positions and have found it hard to make a high paying salary. I do like talking with people and would love to collaborate with others. Looking to gain some insight as to what I will need to become a business analyst. Do I only need to gain certifications in excel, SQL, and tableau? Any guidance would be appreciated. Thank you!

Currently applying for a visitor visa for my Chinese husband.
I am British and we live together in China. We are submitting:
Bank statements of mine and his (mine that gets salary and the transactions over 6 months to his account that we use for savings, Plus his everyday spending account)
An employment certificate from my work
A letter to prove he is enrolled in a masters+. Official government letter to prove that
Proof of address for both of us
Our marriage certificate
His previous uk visitor visa
Our tenancy agreement for next year (2025)
My passport
Is there any other document we should provide?

I (26F) have been having employment issues for over a year despite having a masters degree in public administration/certificate in health administration and top grades (long story short I had two job that I was not qualified for and they hired me anyways, only for them to fire me afterwards a few months later leading to a gap).
I got to the point that I was applying to ANY job just to get the skills/references. And then I sent a general application to a religious elementary school I used to go to.
I had an initial call with them and it all went well, I am going for a trial day next Thursday to see if I am the right fit . There were no administrative positions but there were open spots for assistant teachers in the Early Childhood Department for Pre-K.
Now this didn't bother me because:

1. I am close friends with someone who works in the department
2. My capstone was about children's education during distance learning and future economic prospects
3. I have extensive volunteer experience working in my local temples children's program and very good references
4. Salary (which can be $19 according to the school's Glassdoor) is not my biggest concern at the moment, my concern is getting work/references.

5)Schedule is flexible aside from departmental meetings
6) Doesn't require me to get any teaching degrees, only certifications in the state (NY) that I'm currently in.
However I am worried about the future as well because I hope to eventually move to Washington DC in a couple years, which will mean I have to leave the job eventually and find a new one. And I'm worried by taking this position as a Pre-K assistant teacher I'm nuking any chances of ever working directly within the policy world or for local communities.
My questions really are then:

1. Should I take the job if offered? Most likely I won't be starting until the 2024-2025 semester which starts in September. Which gives me three months not looking for a job in anticipation of working there. I live with my parents so rent and food is not an issue for now but it'll be a hard stop on spending. If so....
2. Should I take the job if offered but let them know if I get a position in my field by the summer more relevant I have to decline it?
3. If I take the job, how can I leverage it for work I want to do, especially since its an assistant teacher job for Pre-K? Just searching around I could get involved in my local religious community more when it comes to work but they also require office experience. What about writing samples? How could I realistically leverage this position for other teaching jobs with better pay in the future?Another option could be local community centers?

My main issue regarding it all is that I mainly have internship experience currently on my resume for the more administrative jobs which may tank other prospects in the future for me.

I (26F) have been having employment issues for over a year despite having a masters degree in public administration/certificate in health administration and top grades (long story short I had two job that I was not qualified for and they hired me anyways, only for them to fire me afterwards a few months later leading to a gap).
I got to the point that I was applying to ANY job just to get the skills/references. And then I sent a general application to a religious elementary school I used to go to.
I had an initial call with them and it all went well, I am going for a trial day next Thursday to see if I am the right fit There were no administrative positions but there were open spots for assistant teachers in the Early Childhood Department for Pre-K.
Now this didn't bother me because:

1. I am close friends with someone who works in the department
2. My capstone was about children's education during distance learning and future economic prospects
3. I have extensive volunteer experience working in my local temples children's program and very good references
4. Salary (which can be $19 according to the school's Glassdoor) is not my biggest concern at the moment, my concern is getting work/references.

5)Schedule is flexible aside from departmental meetings
6) Doesn't require me to get any teaching degrees, only certifications in the state (NY) that I'm currently in.
However I am worried about the future as well because I hope to eventually move to Washington DC in a couple years, which will mean I have to leave the job eventually and find a new one. And I'm worried by taking this position as a Pre-K assistant teacher I'm nuking any chances of ever working directly within the policy world or for local communities.
My questions really are then:

1. Should I take the job if offered? Most likely I won't be starting until the 2024-2025 semester which starts in September. Which gives me three months not looking for a job in anticipation of working there. I live with my parents so rent and food is not an issue for now but it'll be a hard stop on spending. If so....
2. Should I take the job if offered but let them know if I get a position in my field by the summer more relevant I have to decline it?
3. If I take the job, how can I leverage it for work I want to do, especially since its an assistant teacher job for Pre-K? Just searching around I could get involved in my local religious community more when it comes to work but they also require office experience. What about writing samples? How could I realistically leverage this position for other teaching jobs with better pay in the future?Another option could be local community centers?

My main issue regarding it all is that I mainly have internship experience currently on my resume for the more administrative jobs which may tank other prospects in the future for me.

I (26F) have been having employment issues for over a year despite having a masters degree in public administration/certificate in health administration and top grades (long story short I had two job that I was not qualified for and they hired me anyways, only for them to fire me afterwards a few months later leading to a gap).
I got to the point that I was applying to ANY job just to get the skills/references. And then I sent a general application to a religious elementary school I used to go to.
I had an initial call with them and it all went well, I am going for a trial day next Thursday to see if I am the right fitThere were no administrative positions but there were open spots for assistant teachers in the Early Childhood Department for Pre-K.
Now this didn't bother me because:

1. I am close friends with someone who works in the department
2. My capstone was about children's education during distance learning and future economic prospects
3. I have extensive volunteer experience working in my local temples children's program and very good references
4. Salary (which can be $19 according to the school's Glassdoor) is not my biggest concern at the moment, my concern is getting work/references.

5)Schedule is flexible aside from departmental meetings
6) Doesn't require me to get any teaching degrees, only certifications in the state (NY) that I'm currently in.
However I am worried about the future as well because I hope to eventually move to Washington DC in a couple years, which will mean I have to leave the job eventually and find a new one. And I'm worried by taking this position as a Pre-K assistant teacher I'm nuking any chances of ever working directly within the policy world or for local communities.
My questions really are then:

1. Should I take the job if offered? Most likely I won't be starting until the 2024-2025 semester which starts in September. Which gives me three months not looking for a job in anticipation of working there. I live with my parents so rent and food is not an issue for now but it'll be a hard stop on spending. If so....
2. Should I take the job if offered but let them know if I get a position in my field by the summer more relevant I have to decline it?
3. If I take the job, how can I leverage it for work I want to do, especially since its an assistant teacher job for Pre-K? Just searching around I could get involved in my local religious community more when it comes to work but they also require office experience. What about writing samples? How could I realistically leverage this position for other teaching jobs with better pay in the future?Another option could be local community centers?

My main issue regarding it all is that I mainly have internship experience currently on my resume for the more administrative jobs which may tank other prospects in the future for me.

Hi everyone, I'm a 29-year-old with an (Myquals) MSc in Physics and a BEd. I'm currently in a teaching role with a decent salary (around 45k) but I'm seeking a career change to a tech-adjacent field, or even a completely different path outside of teaching. I've always been interested in coding and software development, and I have some basic JavaScript experience from my Master's thesis. I also enjoy working with Excel and have a strong desire to learn more advanced applications. Due to financial constraints, I can't afford a significant career break. Here are my questions for the community: * Are there non-programming tech roles that leverage physics backgrounds? * What are some alternative career paths outside of teaching that involve software or programming (even on a basic level)? * What are some other career options I can explore with my physics degree, beyond teaching and IT? * What skills or certifications would be beneficial for these options, especially those that leverage my interest in Excel? I'm open to exploring various possibilities and transitioning to a role that utilizes my physics background and interest in Excel in new ways. Any advice would be much appreciated! Thanks in advance.

Hey folks,
Looking for some friendly advice from the techy folks here!
YOE: ~6
Studies: Btech CSE from a tier 3 college
Working as: Presales/Delivery
Monthly Salary: 1.5L
Mode: Working from office
TLDR; Wanting to switch to a tech role to meet my long-term career and financial goals and want some guidance to kick-start my learning journey. 6 YOE in Presales/Delivery and Product Management and now rethinking career choices. Need help to select the next career path, should I think about becoming a full stack developer, cloud engineer or something else.
So, here's the scoop: I've been cruising through the semi-tech world for about 6 years now after getting my B.Tech in CS from a not-so-glamorous college in MP. My college was more about CS theory than actual coding and I was also interested in semi-tech roles like presales/ customer success etc.
Started off as a Presales engineer (semi-tech role) in a big shot Storage MNC in Bengaluru, doing all sorts of fancy(haha !) stuff like quoting, sizing, and drawing data of data centres. Got a few certifications along the way like ISM, but I soon realized I was stuck in a bubble of boredom and no learning. So, I took a leap into a startup, hoping for some SaaS/Cloud action. Turned out, it was more like a secret society with a proprietary solution – cue the NDA! Which I did not sign as my role didn’t require knowing the core solution.

Fast forward I asked to be moved into product management (where I was pretty much self-taught) and boy was it a roller coaster ride, I delivered multiple products from scratch which are now live in the market. My ride stopped after one day a new director of products came and wanted to bring his old PM pals with him.

and now I'm back in the presales/delivery support grind. It's not exactly thrilling, and I can't help but envy my friends who started with tech roles while I was busy preaching against the likes of CTS and TCS (Karma!). They all are settled in their roles and have solid skills whereas all I have is a bunch of soft skills like client communication, project management etc :P

Now, with the company hitting financial potholes, it's time for me to dust off the ol' resume and start hunting. But here's the kicker: I'm terrified of interviews! I feel like I'm still living under a rock, clueless about what's happening outside my bubble.
If I make a switch now, I will get in to similar role and this story above might repeat again.

So, here I am, seeking your wisdom. Where do I even begin? I want to transition in to a tech role to have better freedom and flexibility like a hybrid working model and freelancing.
What can I look into, Full-stack developer? Cloud engineer? Or is there something else out there that's worth looking into?
Hit me up with your best advice, or just a virtual high-five if you have reached till here.
Thanks and Cheers!

Hello. I need the certification on course 4 and course 5 of modern robotics for my university. I'll be indebted if you guys can grade my assignments as the deadline for my submission is approaching fast.
Please find the links attached below:
a) https://www.coursera.org/learn/modernrobotics-course5/pee4GXby/determining-the-stability-of-an-assembly/review/fgrJVBOMEe-P9A5WPJ-uPQ
b) https://www.coursera.org/learn/modernrobotics-course5/peeBbZj5/evaluating-form-closure/review/TJm_nRM6Ee-SiQr__F2bEQ
c) https://www.coursera.org/learn/modernrobotics-course4/peea9WwD/a-search/review/V5SMNRK4Ee-kCxIR2pxVqQ
d) https://www.coursera.org/learn/modernrobotics-course4/peeyCetp/sampling-based-planning/review/ZjqhCxKVEe-Jdw4P_7cRcQ

Hey, so I'm considering changing jobs and leaving my steady low-paying job as a nurse to start a job as an underwriting technician working with health insurance.
Problem is, this new job comes with roughly the same salary as my current salary, but it's significantly less stable, as I will be offered renewable (or not) 6-month long contracts.
I'm willing to accept this risk if there is a possibility for career advancement, so I'm asking if you think it is possible to transition to a different area of underwriting/working with insurance further down the line?
I'm aware I'll probably need additional certifications/courses, but I'd just like to know if you think this is feasible or if it's unlikely/very difficult.
I live in Portugal btw.
Thank you very much in advance!

Hello,
In the "Documents Master's degree students" section when I see the sample CV it says: German: Beginner (A1) is mandatory for master students.
I am confused, should I get a German Beginner A1 certificate before applying for a visa at Zurich?
Thank you very much in advance.
here is the link to the sample CV: https://ethz.ch/content/dam/ethz/main/education/internationales/pdf-en/exampleCV-en.pdf

While I was completing my B.S. in CySec, I started in a junioassociate level position at a hospitals IT department. The job mainly focuses on Epic Security changes and leveraging other provisioning software that automates certain tasks such as changing Epic settings or granting access to other applications. While the job sometimes requies small critical thinking/problem solving for some things, our tickets get routed to the appropriate Epic teams before changes are amde for approval. Skills to me seem relatively basic for IT, mostly having a bit of an understanding of everything and all applications.
It's been some years and I was able to complete my B.S. and started my M.S. but in AI/ML. I also even was able to complete some certificates along the way for Epic Security and DC. Participated in Go-Lives and application upgrades as well as trained new members.
At the moment I'm making $26 the hour, about $3 more than what I started with, and still am an Associate. Some other team members of mine are making around 90-100k a year, and they've been working at the hospital longer in other positions (5-10+ years), but I've had instances where I've trained them or had to cover their workload as well and it seems lighter than mine, consindering they trained me to be able to do "everything". Whereas some don't.
So my questions are;

1. Is the current pay and term length of my "Associate" title normal? I do live in a big city where some things like rent are just increasing drastically and my salary isn't able to keep up.
2. Are there other positions within health IT I can try to leverage my AI/ML knowledge that I'm gathering? I'd like to eventually change towards a more programming-related job.
3. Some advised maybe trying contracted Epic jobs similar to what I'm doing as they pay better but I wasn't sure if that would be a good idea. Anyone might know on that?

My goal is to eventually get into SWE or development, but this job allows me to keep up with my rigorus masters program so I wouldn't mind holding off longer until I can complete it. Maybe just change to a different team within the same location that pays more so I'm not as tight on money with essential bills.

In the IT Industry, which I love, there should be more collaboration opportunities with the different developer bootcamps and cyber security programs offering certifications. I feel candidates are spending money on these certifications and attending these bootcamps, but it's not enough for them to join a fully established team. Unless the team is willing to work with someone on the level of an Intern, and we all know that's a struggle alone. These programs are adding more candidates to the pool with below-subpar skills, inflating the salary of those who have the skill set companies are looking for. Is anyone else noticing this?
Question: What trends are you noticing in your industry with candidates?
*Please specify the industry & location.

Left my old job as a maintenance worker for a well known, old money church(also a non-profit), came here and got a base salary of 42k. Busted my ass for first year, and was promised by my boss ( my friend of 20+ years) that he'd get me what I want when the time came. I was looking for 52k and a title change since I am a 1 man operation of 2 buildings and a decent size property. I have the mechanical and technical experience of a maintenance worker for almost 7 years combined with other jobs, and working on getting certifications on the side to better myself here because I can see the potential for growth here.
Raise time comes around and the offer me a flat 50k and double the responsibilities compared to my first year. I look to my friend during this meeting and he does whatever he can to avoid eye contact so right there it shows me that 20 years of friendship means nothing and he is just my boss now. i talk to him afterwards letting him know how I felt about the situation, and he comes back with "Do you think we should still work together?" and "Use that anger to better yourself..." He doesn't know it, but now i fully look at him as boss, friendship is meant to lift each other up and better each other as best we can as I was taught but yeah it sucks but need to cut those kind of people out of my life now that I am actively watching and noting his narcissistic tendencies and manipulation tactics first hand as a director here. didn't see them or even care to acknowledge them growing up with him.
So I begin focus on myself (been practicing Stoicism and it has helped me a lot both physically and mentally) by getting better acquainted with my building, teaching staff, everyone's needs, and professional development (certifications) . I'm actively getting noticed busting my ass and doing things that need to get done. I'm even taking on the responsibilities of the new role before the contract even begins which will be in July. I talk to him again about with all the upcoming work that's going to happen during the summer ( total renovation of a few rooms, new infrastructure and security implementations, basically getting this place where it needs to be aesthetically and financially) that come raise time I'm going to come prepared this time to get what I deserve. he said i can get you 52.5.... this man and one other person make well over 150k a year by the way. I said that won't do and when it comes time ill be looking closer to 60.
After that long introduction and backstory of some grievances, what do you guys think? Should I stick it out or run? I do love it here only because my coworkers are saints and I'm doing it for the betterment of the kids. I've always been a nice person but have never put myself first,. I've been actively doing that now and I can tell my boss notices it and knows he can't control me like he once could when we were younger. I see through his bullshit. I'm at a crossroads with him as a friend, he did get me to my current location and out of a bad spot a few years back, but then again he was looking for a job to fill at my previous employer which he was also my boss at. So it doesn't look like its a win/win situation for both of us which is what I was hoping it would turn out to be. Any tips/recommendations would be great. If this post is not allowed here I will delete it. Thank you for reading this and your time.

So in April along with getting a bonus for a good business year I was also given a 2% raise, which I'm not complaining about!
However, I've since found out that with the increased living wage I'm only earning 23 pence over the minimum amount (25500 PA, 42hrs PW). I am basically performing two jobs as I'm transitioning to a QA role/career, but also handle sending out samples, usually its a few small orders a week but sometimes it will be several a day or a huge order e.g 250 bottles, or 4000 plastic pot lids that I have to count individually alongside smaller orders, which can get rather hectic with my primary role.
I am also in the process of asking to be put on a ISO training course that could end up costing ~£1500 of company money. So with all that considered, would it be worth asking for my salary to be reviewed again or do I not have a leg to stand on?

G'day,
I'm not sure how to write this, I predict there might be variants of opinions on this. I think it's best I give some background context for a foundation. When I was about 16, I got to an age where I started seeing my parents struggle financially, even though they tried to hide it from us kids. This caused me to stupidly make it my own priority to fix their financial problems at my naive age because nobody wants to see their parents struggle. Anyway, this caused me to have breakdowns and develop depression because I couldn't help. The point of this whole paragraph is that I developed an unrealistic perspective where I needed to make a shit ton of money and fast. Obviously, that didn't happen.
Fast forward to the rest of my teen years and early 20s, where I've worked as a house cleaner, a kitchen hand, a circuit board assembler, at a recycling company, a freight handler, roof carpentry, and electrician TA. Along with some basic certificates such as White Card, Forklift, Order Picker, Python 3, Cybersecurity Udemy, and Tafe Cert II. It's safe to say I still haven't found something that interests me, and I'm starting to think it's where I've set my goal posts. My perspective of needing to become 'rich' still stands from my younger self to provide, and clearly nothing I've done or pursued aligns with the perspective and goals I've set, and that's my guess as to why nothing has interested me. I'd like to mention that I've tried to adopt many other perspectives as well, such as enjoying the journey, money isn't happiness, nothing really matters in the end, staying present, just do it attitude, we're just on a ball in space, life's short, and probably many more... but for some reason, I naturally always gravitate back to the get-rich perspective. Some of you might not like that perspective because yes, a lot of rich people are arrogant and have it way easier than the rest.
As for now, in the present, I feel pretty stuck. Even though I'm only 24, I can feel time passing and the pressure of still having no progress. My parents are still struggling and also getting older, sooner or later my partner will also expect I provide with security which is only fair. At the moment, I'm unemployed, living off savings. I've applied for cybersecurity at TAFE as a pretty impulsive decision. I guess the motive was the decent salaries I see on Seek and Indeed but also that I spend a fair amount of time on computers and all the employed work I've ever done has been hard labor work. In saying that, I'll probably always prefer physical work over stationary office work, but I'm not 100% sure on that. From what I've found, there is no clear-cut way to be financially more than comfortable, yet for others, it happens every day. I might be completely off the rails here with what I've expressed, but that's just my thought process.
This whole topic goes a lot more in-depth in my head, but it's quite hard to get it out on paper with accuracy. I think this is my third draft of trying to type this whole thing out haha. There could be a lot of details that I might've missed for all this to make sense, but... if you've come this far, thank you for reading and keen to hear some advice or perspectives.
Thanks

Chapter 1: the event
It was the fall of my intern year as I bean my off service trauma rotation. This month was ubiquitously notorious for being the most labor intrusive and least productive rotaion of our emergency medicine program. Knowing this I entered with the intention of simply surviving the month.
Another intern and I let’s call them A for sake of ambiguity, we’re the first emergency medicine residents to roste on the trauma services that year. A shaky start would be an understatement. In the words of chance the raper “like my grama with the Parkinson’s playing operation.” Would better describe it. Medically we did well. We were very competent and completed our work daily, but communication and coordination was non existent. Our Cheifs had informed us that Tuesday was our day of and the Trauma cheif residents had minimum communication with us, or our Cheifs as it seams when A and I did not report on Tuesday they sternly made their dissatisfaction known.
I have struggled with insomnia sense the age of 10. Had 2 sleep studies by this point in my life and been prescribed nearly every sleeping aid on the market. The 80-94 hr work weeks of our trauma rotaion only worsened my insomnia. My lack of sleep likely contributed to a less than prime adaptive immune system and 2 days out of my trauma rotaion I contracted strep like symptoms with associated nausea, requiring me to call for a sick day the next day. No the first day that I felt too ill to work. I was not fully aware of the reporting process. I reported to my Chiefs, but I did not believe I could come to work tomorrow with amble time and notice, however I was somewhat delayed in letting their Cheifs know, because the surgical chiefs rotated every few days and I did not know who my was going to be the next day. The second day which I had to call out sick I was able to locate the cheif for the next day and reprot according to our university’s protocol, which requires that if a resident feels they are not fit for work they must not come in and the university must have staff coverage without any fear or implementation of punitive actions.
I had finally survived to the last week of my trauma rotaion and I could see the light at the end of the tunnel. What I could not see was the pile of stress, shitty diet, lack of mental well ness and sleep deprivation which I was pushing down to reach the light. By this time I had seen a psychiatrist regularly for sleep medication. I had mentioned to him that I had been experiencing more stressed lately and feel that I might be depressed. he reassured me that it was likely only due to my circumstances, given the difficulty of the trauma rotation and wish to reassess once the rotation was over. Looking back I had to fill the habit of drinking more than I usually do. My only on nights before I have days off became 1-2 beers every other night. All of this repressed unhealthy shit finally pushed bad on September 23rd. That night I was at work even later than usual, I stayed up later than usual and couldn’t seem to fall asleep. With the stress of only having minimal sleep and knowing I only had 2 more days of trauma left, I took an extra dose of my sleeping medication.
I opened my eyes to the fighting sight of sun beaming in my window and I instantly knew I was late. (Sense I hadn’t seen the sun in a month) . Due to my need for scrupulous sleep hygiene I have been sleeping with my phone of and away for me. I rushed to grab it and watched as the little Apple logo seamed to glow on the screen for an eternity. Then in conjunction with its fading I saw 3 missed calls from my director, a text from college A and 2 missed calls from the surgical director. Still, I was able to calm myself, knowing that resident A had been late to this rotation by a few hours 2 other days and nothing came of it. I called my director back and he asked me to report to his office where I was greeted by my director, my coordinator and another emergency medicine facility.
With the only explanation of: “we just want you to get better”, I was handed a letter, to my relief it did not entail my termination, but a declaration of administrative leave and a requirement to undergo an evaluation at a well known university in Florida.
Lake any other savvy millennial, I did my research. By research I mean numerous google searches and screeches thru the depts of redit. To my dismay I discovered that in order for a residency program to fire you, they must first initiate an administrative suspension. I would soon find out however, being terminated would have been a delightful outcome compared to what ensued.
I spend the next few weeks in the wallos of regret and depression. I indulged in higher qualities of alchohol then I ever have before. I all but ceased communing with peers, and abruptly stoped any physical activity I had once enjoyed. Frightened as I was I was ensured, it will be ok “we just want you to get better”
Chapter 2 The evaluation : guilty until proven innocent I did exactly as instructed and scheduled an evaluation, I supposed that this was either a mental evaluation to assess if I’m fit for work with plans of termination or it actually was an evaluation to better treat my insomnia. To this day I regret my ignorance, and wish I had researched the process more. The Hindi / sand-skrt idea of Hamsa 🪬 is that in order to do any good you must have full knowledge or else good intentions can result in harm. I truely believe my director had good intentions, however but him and I did not have full knowledge of the nature of this evaluation.
Looking back see how easily I could have avoided my troubles by asserting legal aid at this point or even by researching this evaluation process more in depth. If one searches impaired practitioner program which I now know this evaluator works for, the search entire will populate 5 or 6 layferms along side their home website and there is a valid reason for this.
If one every finds themself in this process I employ you to bring a DSM to your evaluation or at least be familiar with the most common use disorders in the DSM-5, because your evaluation will turn into a dance of questions where the evaluator attempts to trap you in a round about way to stating something that may qualify for one of the diagnosis. I have provided an image from the DSM-5 below outlining AUD, which the evaluator concluded that I had the most severe from:
Image
Example***** Here are 10 examples of how he fraudulently assessed me taken directly from his assessment note.

1. Evaluator: Have you ever stoped drinking in the last year.

Me: yes I stoped every week day, I was only drinking on the weekends, until two weeks ago.
-Evaluator uses stoping and starting every week to qualify for 2 or more unsuccessful attempts to stop in the last year “There is a persistent desire or unsuccessful efforts to cut down or control alcohol use.”

1. Evaluator Have you ever had withdrawal symptoms

Me no
Evaluator Well Have you ever had a hangover? You know that’s a from of acute withdrawal
Me: yes in college, I had a few but that was years ago and I’m pretty sure the pathophysiology is different.
Evaluator uses this to count for withdrawal symptoms even tho is was more than a year ago

1. Evaluator: Have you even taken your sleeping medication on a day or night which you drank? Me: Yes, I took my prescriptions are prescribed but I never drank close to bed

Evaluator: qualified this as dangerous behavior with alcohol (where the DSM gives examples such as unprotected sex and drunk driving). The sleeping medication I was on is not a benzodiazepine therefore it is not deadly with alcohol. I personally have seen many patients in the ED who have taken their entire bottle of the medication and drank copious amounts, we just monitor them over night and rehydrate them

1. Evaluator Has anyone told you you drink to much or been worried about you Me: No I drink much less than my friends

Evaluator what about your girlfriend? Me: well she actually doesn’t drink at all she doesn’t like it. She often buys me beer for The Weeknd’s tho. One time we went to a movie and she got a little irritated because I waited for beer then complained about them not having any craft beer. So she said, “you couldn’t have just said no” and drank something else. However, she apologized after and said it’s worth waiting if it’s my only day off.
Evaluator said this qualifies for continued drinking despite causing significant relation consequences, ie divorce.

1. Evaluator : you have sleep issues I hear, and your chart says you’ve had depression in the past, don’t you know that alcohol can effect your sleep and mood Me: yes that’s why I never drink within 3 hours of sleep.

Evaluator but you knew this and still drank
Evaluator: qualifies for drinking despite unwanted physical or psychological effects (this should be recurring to effects the alcohol is causing, I have had insomnia sense the age of 10 long before I took my first sip)
7 evaluator you were late for work and told my you had a drink the day before
Me: Yes but I was late because I didn’t sleep and took double my sleeping meds, I will never do that again
Qualifies for 2 significant work or school issues in the past year ( a therapist and other psychologist ensured me that being late on or a few days doesn’t count they typically are getting fired or failing) ( moreover, this would assume I was late do to drinking it’s self and also assume if happened more than once)

1. • Alcohol is often taken in larger amounts or over a longer period than was intended

He never once asked anything related to this question yet said I qualified in his final report 9. A great deal of time is spent in activities necessary to obtain alcohol, use alcohol, or recover from its effects. The evaluators logic here was sense I was late for work and I had 2 beers the day before I must be taking long to recover from it (this is assuming I missed due to alcohol)

1. Tolerance drinking more to require the same effect: this he checked as true in his final note however it was never even discussed in our evaluation. I did mention to him that I’ve been drinking more than I had earlier in the year frequency wise, but they said nothing to do with quantity or needing more.
   
2. Wanting to drink so bad you can not think of anything else: this is the only qualification of SAUD my evaluator said I did not have.
   

Moreover, without legal help I was not aware that I could obtain a second evaluation or even oppose going to get evaluated at all, but that wouldn’t have mattered seeing I still thought this was for my health and wellbeing as seen when I was asked why do you think you are here to today, to which I replayed “so that I can be evaluated to see what is needed to get back to work”.
To maks the ordeal more infuriating the evaluator continues to ingratiate himself and lie through the process telling you, “it will be fine as long as you are 100% honest”, “anything you say in here is between you and me” or “you slipped up once with your meds, I know your residnecy program they will probably just want a few more out patient tests”
Two weeks later I received a phone call right before I left for an out of state vacation to visit my nice for her birthday. During the call I was informed that I would be required to complete a partial hospitalization program (PHP) lasting “6-10 weeks” which would coast from 15-50 grand not including doctor visits or housing which is billed separately. I suppressed this inconvenience, enjoyed my vocation and reported when I returned, knowing that I must complete this soon so I may return to work with due to the fact that my payed time off would soon be diminished. At this time I had not yet heard of the organization PRN.
Chapter 3 Guilty till proven innocent: The diagnosis
Shell shocked I arrived to a in patient psychiatric unit and was rapidly cleared to progress to treatment without detoxification. During my 90 day of forced rehabilitation I met a few other individuals who were unjustly and fraudulently forced into treatment. I began to look up to one of these such members of the men’s community, who I will refer to as patient X for ambiguity sake.
Unlike me patient X did have alcohol use disorder. He spent many clinic days drinking to avoid alcoholic withdraws. The curious component of his story is that he admitted his depravity, saught help and through his own journey became sober. The bodies at be, namely his local physician, Health monitoring program, rejected his personal path to sobriety and forced him to undergo 90 days of in patient treatment before he could practice medicine again. When he checked in to rehab he had been sober for over a year.
Ask for Stories of people from online
As for me I spend many sleepless nights pondering how consuming a legal substance in a moderate amount could throw me into significant legal financial issues. My labs my toxicology, my story and my collateral from colleagues from colleagues all indicated light to moderate alcohol use but my evaluators word stood as the word of God.
More frightening was the director of this rehabs acknowledgment of this. The director who happens to also coincidentally be the evaluator, stated to me as well as to staff on multiple occasions: “ I suggest inpatient treatment for everyone who is reported”. “This is safer for me not to miss anyone who could harm patients, and I figure there must be a reason someone reported them.”
I am still elucidating the reason why I was determined guilty and proven innocent, however I can say from my 90 day stent that the majority of the patients at this rehab needed to be there. This program is saving lives of both providers and patients, however it is destroying the lives of those wrongfully accused.
Chapter 4 your lisense rehab or jail : Upon arivil I was sent to a detox hospital underwent a medical examination and was “one of the lucky ones” who required no detoxification and could report directly to PHP. Like everyone else, I spent 90 days in a PHP, being as 6-10 weeks is simply a lie they tell patients to decrease the change of resisting the treatment. When discussing the topic one therapist sated “if we told patients 90 days they would never come.” She then attempted to justify the treatment by outlining the story of a patient she had called who “didn’t make it to treatment” and killed themselves”. It is my belief that it is not the lack of PHP which impelled such professionals to take their life, but them realizing that they now will be obliged to undergo 90 days of PHP, 5 years of PRN monitoring with a loss of autonomy and hundreds of thousands of dollars taken from them that induced their hopelessness. For even if these professionals were truly mentally unstable in their addictions, in every case it was only following a phone call where they were informed they must undergo treatment that they took their life’s. By this time I still haven’t the slightest clue what PRN was.
Despite the security these programs provide for many my 6 main issues with them can be summarized in : 1. Kick backs: evaluators are directors of treatment clinics 2. The reported are guilty till proven innocent 3. The price, the overflow of money these places drag in from both patients and state universities is appalling, they charge separately for every visit and test 4. Although they make the claim that they are individualized, they are anything but. Every patient gets the same stay and treatment from the doctor drunk on the job and the one who was late to a shift 5. They force voluntary treatment. remember that friendly evaluator who promised he had your best interest at heart, so you opened up and told him everything about your substance use/ developmental / family history, well if you don’t stay for 90 days he will be “normally obliged” to tip the board of medical off to you.

1. The programs have overstepped their intended jurisdiction. -these programs work well if they function how they were intended at their inception. Cite original purpose. Originally these programs were designed to protect physicians and civilians from impaired practitioners; being healthcare workers who were impaired at work. Over the years, these organizations have extended their authority to encompass individuals with substance use disorders When not at work and also those who are in training to become healthcare professionals. Take for example myself compared to a physician who is impaired at work. A doctor who arrived for duty under the influence would surely benifit from the extensive testing, therapy and accountability enforced via these programs. In accordance the 20,000$ per year cost is appropriate when only making up roughly 7% of their yearly salary vs nearly half of a residents. In my case with my loss of income from employment, coast of treatment and monitoring, this year I will be required to pay 20,000$ to work. Yes, I will be losing money to work. Even if did indeed have a substance use disorder this level of monitoring wouldn’t not be considered appropriate.

Dispite all of the miscomings of this System My time spend in PHP was indeed helpful, as I believe it would be for anyone. Time for exercise, a reprieve from work and weekly counseling. A sample structure of my day to day schedule is provided below for insight:
Structure The general structure of these rehabitation centers is as follows: 1. One week of orientation phase, where you are not allowed in electronics or contact with the outside world world. Therefore, if you’re going, bring some things you would like to read or study. 2. In phase 2, you can use your phone however you cannot leave campus. You must stay in the dorm on campus. These shitty 1 room run down apartments with two other roommates will cost you about $1000 a week, they are required for at least four weeks and they are billed separately, no insurance will help you out here. 3. In phase 3 you can commute to campus if you beg your therapist and live very close. Whether you’re on campus or living off-campus, you are allowed to leave up to four hours per day. If you commute, you’ll be required to take a sober link decide you must Breath, alcohol test into every 6 hours. Like everything else in this program you must pay for this separately, a few hundred dollars a week. You advanced to other phases by completing assignments, however, assignments are limited by required built-in time, intrusive, scheduling, and reviewing. Therefore, if you do everything as rapidly as possible phase 1 will take one week phase 2 will take three weeks.
Every day schedule:
7:30: wake up, report to the front desk to inform them that you haven’t ran away yet and take and prescribed medications. They keep all your medications and require that you report to take them; for me this was antidepressants in an attempt to dispel the depression I contracted from being forced into treatment and whatever off label medication they were attempting to treat my ADHD with, since control medications were forbidden.
8 am: community group assessments This consisted of other patients presenting their assignments amongst the large group, on the weekends this was often an hour later and 12 study regularly took the place of assignment presentation.
10 am: process group. This was a two hour group therapy session with 6 to 12 other professionals in a therapist and training or occasionally a licensed mental health therapist.
1 pm: recreation This was generally about an hour of some sober themed craft or activity. Once a week this time slot was used for yoga.
2 pm: this was another time slot used for patients to present assignments as well as for individual therapy sessions. Each patient had one individual therapy session lasting 30 minutes per week.
3pm: This was time allotted to work on assignments or go to the gym on your sex specific scheduled gym day.
5pm: this time was used for guest speakers or another 12 step study group.
6 pm : this was generally an off-campus 12 step group
10 pm: report to the front desk and let them know you still haven’t ran away and take and Medication which are prescribed to take at night, then return to your cot bed in your room with 1-2 other roommates.
I found the community to be one of the most beneficial aspects of the PHP program. I was in a cohort of chill ass professionals of the same occupation who were always there to help each other.
Assignments The curriculum of the PHP consisted of assignment based on every step of the 12th step program. Generally, a patient would be required to complete an assignment on their own, review it with other patients, then faculty and finally present the assignment in front of the whole treatment group. You’re only given one assignment at a time and there are multiple steps to each which all requires scheduling this ensures that no matter how determined a patient is a full 90 days of treatment is required to complete all the assignments.
AA structure -the obsolete nature of AA has been verified in numbers studies, but I will refrain from divulging here and lend that endeavor to Dr. Lance Dodes very thorough discussion on the subject,in “the sober truth “
In all sincerity, if I truely did have a severe use disorder this experience could have been life saving. I only wish I could have used my 50 grand for someone who has spent their life time In addictive without reprieve. My first conversation when I was given my phone back was how I wish my father could be able to attend this PHP.
Chapter 5 reporting and PRN Self reporting What they ask you What you should tell them
There’s a third-party agency called professional resource network. Every state has their own. This agency works as a liaison between you and whatever credentialing service your occupation requires. Essentially they ensure your monitoring after treatment. Stake governments and licensing boards trust them, mainly because they monitor with the highest level of intrusiveness. This alleviates much work for state governments and licensing boards because once an individual is being monitored by a professional resource network, then they are deemed appropriate for duty and no further investigation/litigation needs to occur, as long as the monitored individual completely complies.
Because I was never impaired at work I was never reported to this agency. The general workflow of things someone would report you to professional resource network, then the resource network would contact you, and then you would be required to report for an evaluation at a treatment center, which would inevitably result in a suggestion I’ve treatment at that given treatment center. In my case I was sent to the treatment center without PRN being involved. Thus, two weeks into treatment. I was notified by my therapist that I needed to call PRN and self report. I attempted to resistance given that I did not have a problem and was not individually seeking help. I asked what happened if I didn’t self report. I was told that in order to stay in the treatment program I had to report to PRN. This meant either I report to PRN or I get kicked out of the treatment program and lose my job.
When you report to PRN they will ask you why you are in treatment. They will then list off every substance imaginable, asking you if you have ever tried the substance and when your last use was. Ultimately, they will obtain your discharge information from your treatment center, so it is in your best interest to report only what was found in your biochemical testing. If it wasn’t in your hair, I would argue that you don’t have a use disorder regarding that substance and it’s not relevant. I don’t believe it’s important for them to know that you smoked weed when you were 12.
Chapter 6 The contract:
Before being discharged from a treatment facility, a professional resource network will have you sign a contract. A little known fact which I was oblivious to is that contracts can be negotiated. Though this isn’t it possible, it is highly improbable that you can negotiate your contract since PRN has a power to delay your clearance to return to work.
Contractor almost never personalized, and I have not heard of a contract which is not a five-year agreement. You will sign releases of information so that PRN has access to all of your information which was gathered at the treatment facility. You must have a therapist, psychiatrist, primary care, doctor, and a addiction, medicine psychiatrist. You assign releases of information for all of them. You will be required To commit to: 1. three mutual aid meetings a week which you must log. I log smart recovery meetings. 2. Weekly therapy sessions with an approved mental health therapist from their list 3. Monthly doctors appointments with an addiction medicine psychiatrist 4. Yearly appointments with a primary care physician 5. Monthly appointments with a psychiatrist 6. Daily check-ins on a random drug testing app ( you will agree to weekly urine tests, a peth test 4 times a year, a hair test twice a year and a little caveat that says anything else they deem, clinically reasonable) 7. Quarterly update reports which you are required to obtain from a workplace monitor, therapist, addiction, medicine, psychiatrist, primary care physician and any other doctor you are seeing. 8. You must upload all of your prescriptions into a mobile application every single time you get them refilled and are not allowed to take them until they are approved. 9. Attendance of a PRN group via zoom. This is a local group you are assigned along with other monitored practitioners. There is a fee of roughly 130$ a month to attend this required group. For me all of these requirements coast around 20,000 a year. If you ever have a positive test even if it is the result of contamination from rubbing alcohol or unintentional ingestion of alcohol/ allergy medication your contract will rest to 5 years from the time of positive test. Once your five year contract is completed, you must ask to be released from monitoring. At that point they will search for any reason to keep you under monitoring. This could be dilute urines, daily check ins or a week where you did not attend mutual aid meetings. Every certification and license which you apply for will likely ask you if you were under a monitoring program/ have been treated for substance use. You must give an explanation and check yes. As far as licensing programs are concerned, if you were under the monitoring of PRN, you are safe, however they group practitioners who have had behavioral issues with practitioners who were diverting drugs from work. Therefore, keep in mind that you will be labeled as a sever addict.
7 Back to work and only work. During treatment your only goal is to return to work, however when you return your experience will be drastically distinct from what you remember. For me, I was now working in isolation. Missing six months of my training meant that no other Resident was on the same rotation as me. My coworkers at all formed friend groups. When I returned I was greeted with much concern for my well being. No one would speak to be about my absence, however everyone knew there is only one reason a resident would leave for 6 months then return. My Accdeemic meetings were consisting of attending telling me “I have a target on my back now” and “ I have to preform even better than others” in the light of my time missed. If this wasn’t alienating enough, the majority of Resident events, sponsored by recruiters and my university revolved around alcohol to which I had to give some excuse to why I can not partake with others. I’m fortunate that I do not have an addiction, because these stressful conditions along with the daunting amount of dead and requirements imposed by PRN are enough to make any addict relapse. While I was at treatment, I was in the dative with Samyr stories a physicians whose addictions got the best of them. Physicians who did not make it to treatment, often taking their own life. These stories were presented as a warning. Your addictions will kill you without our treatment was the message. When, in reality I did not hear one story in which the addiction killed physician. Every physician who didn’t make it to treatment took their life after being told they must report to a treatment facility. Perhaps they knew what this entailed and it was not their addiction or getting caught which caused them to end their lives, but the unmanageable and often unreasonable burden that treatment would put on their lives.
9 How to escape So your fucked your in PRN and should be or you should and now your recovered and want to terminated your contract.

1. You ask to be released early done at 1/2 time ( good luck)
2. You have “good reason” (no one has ever been let out of contract because of this reason, the verbiage is far too vague)
3. You serve all your time and they let you out(maybe, as discussed earlier, they would do everything they can to keep you in your contract as long as your practicing)
4. You can’t practice medicine anymore

10 Layer up butter cup : I cannot emphasize the extent to which legal help is required in this process. You much seek it and seek it early. Lawyers can provide many avenues to you early in the process. Once you have committed to treatment, gone for evaluation or are in a PRN contract , this is very little that you or legal help can do. Spend a few thousand dollars when you are accused and save the 20-30,000 later.
After you have been evaluated if you disagree as I did, then this is the process you must undergo. 1. Hire a occupation, defense, lawyer 2. Prove you don’t have an addiction, this is done by having an alternative evaluator with similar credentials state that either you don’t have an addiction or that PRN’s level of monitoring is not medically appropriate ( this will need to be a multi day neuropsychological evaluation, which will cost about $5000). 3. Your lawyer must draft in writing that the medical level of monitoring is not required such as another medical professional and send this to PRN 4. PRN will tattle on you to the board of medicine. 5. The board of medicine will conduct an investigation. 6. At the end or when they believe they have enough reasonable evidence to the board of medicine will suspend your license or claim, you must comply with the PRN contract to practice. 7. At this time your lawyer will defend you in the state court against the board. This is costly but much less than the coast of a 5 year PRN contract 8. If you win you will likely suggest an alternative level of care such as gonna get therapy every week. If you lose, than you wasted a fuck ton of money and are still bound by your PRN contract.
Overall this entire process has coast me Over all coast:
My finances for this year only including PRN and rent are as follows:
120-200$ every week for testing 480-800/ month
65 every week for therapy 195/month
125 every month for PRN group
About 50-69 every month for 2 doctor apts
So at least 745$/month at the lowest
Treatment at the recovery center coast 20,000 for me out of pocket and
I wasn’t payed for 6 months with no FMLA because I am a first year. At the 1 year mark I will have made 26,000 this year after taxes And payed About 29,000 on PRN alone
Rent is 1,000 so that’s 12,000 a year
Just in rent and PRN alone I will be at 26,000- 41,600 -15,600.
I will be in debt by at least 18,000 at the 1 year mark
Coast of treatment center 20,000 (with insurance) For each year of PRN roughly 20,000 Add that to 6 months of attending salary which was delayed due to my treatment time: at least 150,000 Layer coasts along with other evaluations 25,000 Missing 6 months of residency pay 30,000 Coast of 1 year in monitoring: 245,000 Coast of 5 years 325,000
If my case progress to a trail I will require an extra 20,000 in court coasts
Chapter 11 My secondary eval: Dr sushi After I arrived at my treatment center I challenge my evaluation multiple times. Each and every time I was discharged and often accused of alternate mental health/ substance abuse issues to discourage my advances. I was never given the opportunity to undergo alternative assessment, however PRN guidelines state that you can obtain a second option within 7 days of your first. This is a mute point, however, because you will not receive the results of your evaluation until over a week after it is conducted and the second evaluation must be conducted by another PRN hired evaluator of their choosing. During my stay in rehab I contacted PRN multiple times to attempt another evaluation/ legal help. They warned against both stating they were a “waste of money” and “pointless”.
After completing my treatment with the guidance of many addiction, experienced physicians, mental health counselors and psychiatrists recommendations I sought in a secondary evaluation. I chose a highly qualified professional with over 30 years of experience to conduct an extensive neuo psycho social evaluation of me. One that I was sure would be more extensive than the evaluation I received at treatment and more importantly an unbiased evaluation.
The results from my evaluation not only showed that I did not have a substance abuse problem warranting PRN level monitoring, but also that PRN was falling to allow adequate treatment of other conditions such as my ADHD. My evaluation showed my ADHD was not only untreated by PRNs attempt at using non controlled medication, but also in the top 3% most severe presentations of ADHD. My evaluator went on to explain my results by questioning why my treatment center even mandated I undergo neuro cognitive evaluation. The only neurodiverse findings were my IQ, my dyslexia and my ADHD. However, a neuo cognitive examination can be billed separately by treatment centers, therefore they always recommend one.
Chapter 12 Amongst its greed, intrusive nature and faulty accusations, professional recourse network function highly proficiently at the task they were designed to; protective physicians and patients from physicians who are impaired at work. In this domain they save lives, offer second changes and protect the public. When they act beyond their intended jurisdiction by imposing unnecessary monetary demands on practitionersin training, accuse practitioners without proof or act on behavior exemplified outside of a work setting they unjustly and inappropriately attack the week and innocent.
Proposed reform: As a trainee my universities malpractice insurance covers me for mistakes made at work. If a learner mistakenly harms a patient, then the university stands on their behalf. If the learner does something wrong under a teachers direct guidance, then the teacher is at fault. This makes sense logically as well as pragmatically. The state entrusts large amounts of money to hospital systems and universities to train resident physicians. A portion of this money is allocated to malpractice insurance. This should extend to accused impairment.
Suppose a training university was required to cover rehabilitation and monitoring of a resident of whom they claim is impaired. Alternatively they have the option of firing the trainee. This would reduce the number of innocent trainees being accused of impairment, make the process of rehabilitation more fair and provide a better use for tax payer derived dollars, which hospital systems are given to train residents. The truly impaired could still seek help, less false accusations would be made and with the employers having the ability to fire at the moment of impairment, there would be less chance of impairment at work.

My lease is coming to an end and they have just sent an email requesting 3 months bank statements, 3 months salary slips and SARS Compliance certificate. I understand that they may need that for a new tenant and I obviously sent it a year ago, but now I've been here for a year, always paying before the due date and building up a good 'reputation' with them. Can I send in a redacted bank statements, only to show that money is flowing in and out of the bank account? It's not like there is anything strange on there, it just feels a tad invasive.