Can someone please help me type as I am very much confused about my mbti..I did study functions and all but i didnt understand them fully. So can u please ask questions and help me decide my type..
How old are you? What's your gender? Give us a general description of yourself.
19f...a calm laid back person i guess...not the one to get get superexcited or overstressed ...Not interested in politics..
• Is there a medical diagnosis that may impact your mental stability somehow?No
• Describe your upbringing. Did it have any kind of religious or structured influence? How did you respond to it?
Well,yes my parents are both SJ types so it was structured bringing ofcourse..I just respect them for being so hardworking ....I have been the obedient child since childhood i guess ...But i guess its only becoz i have many thoughts similar to my parents....so we do get along very well.
• What do you do as a job or as a career (if you have one)? Do you like it? Why or why not?
I am a student ..so far its gud ....i believe in loving whatever i do instead of doing only what i love.
• If you had to spend an entire weekend by yourself, how would you feel? Would you feel lonely or refreshed?
i cant ...i would feel lonely.
• What kinds of activities do you prefer? Do you like, and are you good at sports? Do you enjoy any other outdoor or indoor activities?
i like all kinds of sports activities..it doesnt matter whether i m gud at it or not as long as it refreshes me ...
• How curious are you? Do you have more ideas then you can execute? What are your curiosities about? What are your ideas about - is it environmental or conceptual, and can you please elaborate?
I guess i m not that curious like maybe 50% like it can vary from topic to topic ...yes i do have ideas nd mostly i do execute them as well........mostly conceptual i guess ...
• Would you enjoy taking on a leadership position? Do you think you would be good at it? What would your leadership style be?
yes I dont mind taking leadership position but i wont be that harsh type pf leader i guess......like i m not sure if people would listen to me lol....i m mostly in favour of treating everyone equally and fairly ...so my leadership style would be working together for benefit of all and treating everyone equally with respect .
• Are you coordinated? Why do you feel as if you are or are not? Do you enjoy working with your hands in some form? Describe your activity?
no i dont think i m...as i usually drop things very easily when i m thinking something i m clumsy i guess......with hand i like playing carrom ,abacus lol ..what more i do wid my hands ? just typing now..i guess m gud at it :)
• Are you artistic? If yes, describe your art? If you are not particular artistic but can appreciate art please likewise describe what forums of art you enjoy. Please explain your answer.
Artistic,ah ,maybe a bit...like i love drawing portraits and sketching ...and i do appreciate art..Art in any form is beautiful.
• What's your opinion about the past, present, and future? How do you deal with them?
Past is something which i do remember but i dont regret as i cant change it.
Present is something which i really like.
Future is something which I stress about ...so i just avoid thinking about it by escaping to present and working there.
• How do you act when others request your help to do something (anything)? If you would decide to help them, why would you do so?
Well ,i rarely accept someone's help in matters which i can do myself..and I decide to help them also only when i see they really need it ...like i think everyone should be given opportunity to first try things instead of forcing to help them ...
• Do you need logical consistency in your life?
I guess thats what life is all about...if there is no logic then wouldnt it be mess?
• How important is efficiency and productivity to you?
It is important but accuracy is more imp as i tend to make lot of mistakes if i m not cautious and do things at fast rate.
• Do you control others, even if indirectly? How and why do you do that?
No i dont like that and i dont like to be controlled as well.
• What are your hobbies? Why do you like them?
I like reading a lot .i love to learn new languages and travel. I am also interested in learning coding.
• What is your learning style? What kind of learning environments do you struggle with most? Why do you like/struggle with these learning styles? Do you prefer classes involving memorization, logic, creativity, or your physical senses?
My learning style is first understanding basics and then going on to harder concepts .I struggle with loud nd distracting environments ..I prefer maths classes the most as i dont need to learn much in it ...
• How good are you at strategizing? Do you easily break up projects into manageable tasks? Or do you have a tendency to wing projects and improvise as you go?
Not that good i guess. But if i m determined to do something then i defintely manage it well.i struggle with perfectionism n procrastination so i just manage to finish them at last moment
• What are your aspirations in life, professionally and personally?
Live and let live.(personally)
You can be good at anything if you work on it.(professionally)
• What are your fears? What makes you uncomfortable? What do you hate? Why?
Fear of losing someone i love.Knowing that everything is meant to end makes me uncomfortable .Knowing that we are just tiny specks in this universe defintely fears me....i guess i hate unfairness ..whenever someone is treated partially,i do get upset ...
• What do the "highs" in your life look ?
when i m doing well academically n healthwise nd just enjoying wid friends n family
• What do the "lows" in your life look like?
Well,i did fail a lot in my academic life like even though i was topper but i couldnt fetch seat in my dream uni for which i m working now to get..... so right now just working on that...
• How attached are you to reality? Do you daydream often, or do you pay attention to what's around you? If you do daydream, are you aware of your surroundings while you do so?
I m ...i dont daydream most times.yes i do pay attention..its not like i am forcing myself to be attentive but i dont know whenever something happens why am i the first one to see it..like if there is a phone vibrating and all are talking then i would be the first one to tell or if light is switched on some other room that no one notices,i would be the one to switch it off..its as if i m hyperaware of my surroundings..i tend to overlook it but i tend to get distracted a lot by anything that happens around me..
• Imagine you are alone in a blank, empty room. There is nothing for you to do and no one to talk to. What do you think about?
I might sleep....i dont think much in alone time as i m mostly thinking lot always so i tend to rest my mind when alone ..i might just watch something on my phone even...
• How long do you take to make an important decision? And do you change your mind once you've made it?
i havent made as such any big decisions till now i guess but i dont take much time in taking decisions .....no i dont change my mind.
• How long do you take to process your emotions? How important are emotions in your life?
i think about them once in while.I tend to think of them when alone otherwise i m just happy go lucky person . Emotions are important as long as as they are helping me achieve my goals but i tend to overlook them when i feel they would hinder my progress.Well i have been told by some that i have emotionally unexpressive face like they cant understand by looking at my face what i m thinking n all .....
• Do you ever catch yourself agreeing with others just to appease them and keep the conversation going? How often? Why?
Yes I do agree a lot ..not to appease them though ...mostly to avoid conflicts (my enneagram is 9w1) Why --- I dont know...maybe i dont like explaining my side a lot .....
• Do you break rules often? Do you think authority should be challenged, or that they know better? If you do break rules, why?
Well,i dont think i broke any big rules as such....,anyone can be wrong and in order for betterment of all if it does require to challenge authority ,i wont mind doing that....Thats it I guess
Thankyou :)
ps-my 16p test result was Infp and michael caloz test result was istp ....

I am a severely disabled man who currently lives on his own, I currently claim UC + PIP. Living on my own is very difficult and I spend many hours layed on the floor unconscious. The doctor and my medical specialist know how serious my condition is and they are unsure of what help I can get.
A few weeks ago, I collapsed onto my floor and laid their covered in urine and poo, for 19 hours whilst I waited for an ambulance to arrive due to how stretched the services are, then I spent over a week in hospital due to my condition. These things would be easier if I could have someone live with me.
I have asked the Jobcentre for help due to the severity of my condition and discussed my partner moving into the flat to help take care of me and to make our lives easier.
My partner is unemployed claiming UC living with their parents, they get £300 a month and due to the benefit cap, this amount would be reduced if we had a joint claim. I have a letter from the Jobcentre explaining this. I can't expect my partner to move in and live on less than £300, it's pretty much impossible.
I am not trying to circumvent any rules or break any rules or do anything illegal. Which is why I am here asking for advice on if there is anything else I can do, if there are alternatives to having a joint claim. Or if there are other benefits I can claim which would make this more possible. Are there any other benefits or care that I am entitled to, which could make this easier for me?
Would we be able to rent two separate flats next to each other and claim benefits legally separately still?
I did ask on DWPHELP but got bullied/threads locked and accused of benefit fraud. When I just want my partner to be able to live as physically close to me as possible, without breaking any rules. I'm not trying to find a way around the rules, I just want to live within them as comfortable as possible.

Monthly Expenses
1. Rent
Rent is typically the largest monthly expense for students in Germany. The cost varies significantly depending on the city and type of accommodation. For instance:

• In smaller cities like Freiburg, you might pay around €260 for an 18-20 square meter room.
• In larger cities like Munich, the same space can cost between €500 and €550.
• In Hamburg, living in a student dormitory costs approximately €350, while a private shared apartment might range from €500 to €550.

2. Health Insurance
Health insurance is mandatory for all students. The average monthly cost is around €125, depending on your provider and age. For example:

• Students under 23 years old pay approximately €120 with TK’s health insurance.
• Students over 23 pay around €125.

3. Groceries
Monthly grocery expenses typically range from €100 to €125. You can save by shopping at budget supermarkets like Lidl, Aldi, Rewe, Edeka, or Penny. Additionally, using apps like Too Good To Go can help you find discounted products.
4. Transportation
Most universities provide a semester ticket that covers public transportation in the nearby region. If your university doesn’t offer this, you can purchase a Deutschland Ticket for €49 per month, which allows travel across Germany. Students often get this ticket at a reduced rate of around €8.
5. Internet
Internet costs depend on your provider and plan. Mobile internet plans from providers like WinSim, Sim.de, O2, or Vodafone range from €10 to €20 per month. Sometimes, you might find deals offering 27 GB for just €10.
6. Dining Out and Takeaways
Eating out can vary greatly depending on frequency and location. To save money, it's advisable to cook at home and limit dining out.
7. Miscellaneous Expenses
Miscellaneous expenses, including shopping for necessities like stationery, clothing, and toiletries, usually range from €50 to €75 per month. Haircuts can cost between €15 and €30 for men and up to €25 to €30 for women.
8. Gym and Sports
Gym memberships typically cost between €25 and €40 per month, depending on the facilities and services provided.
Summary of Monthly Expenses:

• Rent: €450 (average)
• Health Insurance: €125
• Groceries: €125
• Transportation: €20
• Internet: €20
• Dining Out: €0 (variable)
• Miscellaneous: €60

Total: €800 to €815 per month
Quarterly Expenses
German Radio Tax (Rundfunkbeitrag)
Every household in Germany must pay a fixed radio tax of €8.36 per month, usually billed quarterly. In shared flats, this fee can be divided among the tenants.
Biannual Expenses
Semester Contribution
Every six months, students need to pay a semester contribution to their university, which ranges from €280 to €500. (Depends on your specific uni)
One-Time Expenses
Security Deposit (Kaution)
When renting a place, you must pay a security deposit, typically equivalent to three months' cold rent. This amount is refundable when you move out, provided there’s no damage to the property.
Tips for Managing Expenses:

• Be cautious with your expenditures and track your monthly spending.
• Use discount apps and take advantage of student discounts whenever possible.
• Consider part-time work or internships to supplement your income.

I’m posting this again because I didn’t really get any satisfactory answers.
I always got INTP or ISTP on those free tests but I’m not sure.
• How old are you? What's your gender? Give us a general description of yourself.
I am a 27 years old trans man. I have been socially transitioning for nearly 4 years and medically transitioning for 7 months. I’ve uprooted my life in more ways than one and it’s by far been one of the best decisions I’ve made.
• Is there a medical diagnosis that may impact your mental stability somehow?
I have been struggling with depression and anxiety on and off since my adolescence and probably have ADHD or autism as well.
• Describe your upbringing. Did it have any kind of religious or structured influence? How did you respond to it?
I’m an only child. My mum’s always been something of a fire-cracker and has struggled with alcoholism and emotional abuse from her mum. She always had very high expectations of me and she’s probably part of the reason why I have such unreasonable expectations for myself. My dad is a lot more chill even if he doesn’t get me 100 percent of the time. Ultimately, I think they tried their best. My parents aren’t particularly religious but I went to a Catholic school until I was nine. I never really bought into it and it was a relatively chill school but it probably affected me in some way.
• What do you do as a job or as a career (if you have one)? Do you like it? Why or why not?
I honestly haven’t been able to hold down a stable job at all. After getting a pretty useless degree, my jobs have all been crappy and short-lived and I never really figured out what I wanted to do with my life. I wanted to be a writer or an artist but I have a near permanent case of creative burnout. I’m a part-time zookeeping student right now.
• If you had to spend an entire weekend by yourself, how would you feel? Would you feel lonely or refreshed?
It depends. If I’ve had a busy week I’ll welcome the peace and quiet. If things have been quiet I’ll get bored and a bit lonely.
• What kinds of activities do you prefer? Do you like, and are you good at sports? Do you enjoy any other outdoor or indoor activities?
I have a mixture of indoor and outdoor hobbies. I like gaming, especially RPGs, builders, and dumb shooters. I also enjoy card games and board games and I’ve recently started picking up chess. I like watching movies and anime, particularly horror and action. I used to read a lot of fiction but I find myself too distracted these days. If I do read it’s usually nonfiction about a topic I’m interested in or academic works.
In terms of outdoor hobbies, I’m only just opening up to them as I’ve been a particularly notorious shut-in for a lot of my life. I enjoy nature walks, working out, bouldering, gardening, and swimming. I’m not amazing at sports but I wouldn’t say I’m completely useless either. I prefer more solitary activities to team based ones. I have a bit of a competitive streak and exercise helps keep it in check.
• How curious are you? Do you have more ideas then you can execute? What are your curiosities about? What are your ideas about - is it environmental or conceptual, and can you please elaborate?
Very curious. I usually have a couple of ideas on the go but I wouldn’t say I’m overflowing with them. My curiosities are usually about the natural world, video game lore, and new hobbies I may want to take up.
• Would you enjoy taking on a leadership position? Do you think you would be good at it? What would your leadership style be?
I could be an okay leader if no one else was able to take up the position but I would be anxious about the responsibility and expectations others have of me. I’d like to think I’m firm but fair.
• Are you coordinated? Why do you feel as if you are or are not? Do you enjoy working with your hands in some form? Describe your activity?
I’m okay. I can match other people’s movements quite well. I can get a little bit careless and clumsy when I’m distracted or anxious though.
• Are you artistic? If yes, describe your art? If you are not particular artistic but can appreciate art please likewise describe what forums of art you enjoy. Please explain your answer.
Back when I used to draw, I drew a lot of tattoo designs and illustrations. Like something you’d find on an album cover or a book cover. I also drew many of the creatures and characters I wrote about. I’m have an eye for colour and I am drawn to art-deco and art-nouveau aesthetics.
• What's your opinion about the past, present, and future? How do you deal with them?
The past, while not always easy to revisit due to fuzzy memories or trauma, has led me to this very moment. I try to take every day as it comes and that has helped me a lot. I am nervous for the future as I have few concrete plans and life may throw me a curve ball. But I am also excited to see what has in store for me.
• How do you act when others request your help to do something (anything)? If you would decide to help them, why would you do so?
It depends who’s asking and what they want help with.
• Do you need logical consistency in your life?
Absolutely.
• How important is efficiency and productivity to you?
Efficiency is pretty good. Work smarter, not harder and all that. Productivity less so. I’m just happy when I get things done.
• Do you control others, even if indirectly? How and why do you do that?
Not really. Unless they are negatively impacting me or other people I prefer to leave people to their own devices.
• What are your hobbies? Why do you like them?
Pretty sure I already answered this question.
• What is your learning style? What kind of learning environments do you struggle with most? Why do you like/struggle with these learning styles? Do you prefer classes involving memorization, logic, creativity, or your physical senses?
I’m a visual and hands-on learner. I suck at internalising verbal instruction. I despise overly rigid learning environments so I struggled a lot in school. I enjoy learning at my own pace and by going out and doing things first-hand.
• How good are you at strategizing? Do you easily break up projects into manageable tasks? Or do you have a tendency to wing projects and improvise as you go?
Improvise but I try to make a basic structure that I may or may not deviate from.
• What are your aspirations in life, professionally and personally?
To be the best version of myself I can be and live the most fulfilling and rich life I can.
• What are your fears? What makes you uncomfortable? What do you hate? Why?
My two biggest fears are quite abstract and they are being aimless and being trapped. I’m also mildly agoraphobic and afraid of wasps. I hate wilful ignorance and bigotry, especially when those things actively make the world a worse place for everyone.
• What do the "highs" in your life look like?
I feel alive, happy, and a zest for life. I feel like I’m running on a motor and that I can do anything I want.
• What do the "lows" in your life look like?
When I feel low, I get in a funk and it’s very hard to get out. I literally find it impossible to relax unless someone is there to get me out of my head. If I’m not careful I can get isolated. And that’s when I start to spiral.
• How attached are you to reality? Do you daydream often, or do you pay attention to what's around you? If you do daydream, are you aware of your surroundings while you do so?
Sometimes I let my mind wander, particularly when I’m listening to music. It doesn’t take much to bring me back to reality though.
• Imagine you are alone in a blank, empty room. There is nothing for you to do and no one to talk to. What do you think about?
I’d probably go a bit mad and try to devise an escape plan.
• How long do you take to make an important decision? And do you change your mind once you've made it?
I like to take my time to weigh out the pros and cons. I make stupid decisions when I’m rushed. I may change my mind if circumstances change and it’s not going to inconvenience me too much.
• How long do you take to process your emotions? How important are emotions in your life?
A long time. My emotions are a mess and I barely know what I am feeling half the time. Journaling has helped me make sense of them and processing them to a degree.
• Do you ever catch yourself agreeing with others just to appease them and keep the conversation going? How often? Why?
Not really. I either stay quiet or try to disagree with them in a productive way depending on how bold I’m feeling at the time.
• Do you break rules often? Do you think authority should be challenged, or that they know better? If you do break rules, why?
I follow rules if they are there for a good reason. Like waiting in line. If they’re stupid rules I have less qualms about breaking them.

There's been some other posts about this lately, but with the flood of new players, I figured I'd share this again for awareness.
The current inventory of items can be found within this spreadsheet which I'll be maintaining, or you can see the same list when you follow the steps below to open a ticket.
Here are the steps to purchase an item through support:

1. Visit https://help.bethesda.net/#en/home
2. Navigate to Fallout 76 > Billing / Purchase / Code > PLATFORM > I need help with the Atomic Shop > Yes > I want to purchase an Atomic Shop item for myself
3. Select up to two items* for purchase from the dropdown menus and submit the ticket.

Your ticket will receive an automated reply with the price of the item(s). You then choose whether or not to proceed with the full purchase. Atoms will be deducted from your balance, so you must have sufficient Atom balance to cover the cost.
Items purchased through support are always full price.
*While selecting two items at a time can be convenient for price checking, I suggest only selecting one item per ticket. If you decide to go through with purchasing only one of the two items selected, you'll have to open a separate ticket for just that item.
You'll have to do your own research to find out exactly what's included in each bundle. I suggest checking the Wiki page on Atomic Shop bundles for a list of included items. It's also a good idea to search YouTube as many creators upload videos covering the bundle content in greater detail.

Hi there, a week ago I received a debt collection Letter for a property I was not on the tenancy for but briefly stayed at due to being temporarily homeless.
I immediately called United Utilities who asked for proof, via my current tenancy and theirs.
Their tenancy showed the names of the 3 tenants, followed by the guarantor. I also included my tenancy which placed me at my current residence for just under a year.
They have now reached back out and said my evidence is "invalid" and they want a council tax bill for the period of time the bill covers.
After calling Citizens Advice, Step Change and researching on GOVUK, all of which reached the conclusion that all I needed to do was provide the tenancy for the supposed address I was at, and that should be enough, never mind my own tenancy.
I was informed only those on the tenancy and the guarantor are liable for unpaid bills.
Are United Utilities allowed to just bypass the tenancy, or are they just pushing in hopes I will give up and just pay?
Any advice is much appreciated!
Edit: Just wanted to add on that United Utilities also stated this was a auto-generated bill, due to the tenants not actually paying the bill, which I was unaware of. And I am based in England.

Hi everyone!
I know how stressed and anxious you all must feel. I've been there and I get it. I first took the UBE in July 2021 and got a 327. I took the Florida Bar* in February 2024 and passed.
I wasn't a high achieving law student and I didn't graduate from a "top" law school. I also only completed just under 40% of Barbri's course.
Here's how I passed and here's how you can, too:

1. PRACTICE, PRACTICE, PRACTICE YOUR ESSAYS. It's easy to think, "Oh, I know the law, I'll be able to push out an essay with ease!" That is not the case. You must practice essays under timed conditions to get comfortable with the time limits on the bar exam and to familiarize yourself with the questions.
   
2. Don't try to cheat the system. If your bar prep course calls for you to read an outline, actually read it.
   
3. WRITE DOWN the black letter law when you get a multiple choice question wrong. I wrote the law in red ink in the margins of my outlines. That way, when I went back to review, I could clearly see that I had gotten that law wrong before and I would get it correct next time around.
   
4. Bear in mind that the bar exam is not the end of the world. Yes, it may feel like it, but it's really not. I know great lawyers who have failed the bar twice (or more) and still went on to achieve excellence. In five years, NO ONE will remember whether you pass or failed your first (or second or third) bar exam.
   
5. Don't sacrifice your mental health. Go on walks, watch an episode or two of your favorite show, read a good book. Do SOMETHING you enjoy during bar prep so you have something to look forward to at the end of the day and you have something to keep your mind off of this god awful exam.
   

Best of luck!
Cheers,
u/lannisterhearmeroar
*I had to take the ENTIRE bar exam in FL due to my MBE score expiring, not just the FL specific part.

Hey there,
I recently moved and found a new Doctor luckily, I sent the form to request my patient files to be transferred from my old GP to the new one and they're telling me it costs $52 and I can pay by cash or check in person, it's about a 3 hour drive away. Is this legal/normal practice?
Edit: I didn't realize this wasn't insured/covered by OHIP. Anyway if anyone else has a similar question in the future, it looks like the reccommended charge (from Ontario Medical Association, as of January 2024) is $30 for electronic transfer, or $30 for the first 20 pages (printed copies) then $0.25 per page thereaftor, then $45 after first 15 minutes, per 15minutes for physician review if needed.
CPSO - Medical Records Management
OMA - Physician's Guide to Uninsured Services

Ok so im 20 and currently a first year uni student. I got a bursary that covers my tuition,accommodation and gives me a monthly allowance of about 164usd a month. Instead of staying in a dorm i decided to stay at home and pay my parents rent using my accommodation allowance. My monthly allowance also covers my traveling cost and then i have some left to spend on myself but my dad usually borrows money every month so im usually stuck with nothing. Hes a long haul trucker and barely makes enough to cover all the bills so i tend to help him out. The problem is my mother didn't like her job so she decided to leave 2 years ago and hasn't put in any effort to look for a new job. She keeps on bringing up the time she spent a whole day walking in town giving in her cv but this was once and she didn't make a single effort since. She doesn't even put in effort into making her cv i had to do it for her while she watched tv. I dont mind her being a stay at home mum but she's always complaining about how other people have a better life then her. I snapped today and told her to put in effort to go look for a job not in a mean way or anything just calmly told her that she's gonna have to put in effort if she wants to see change in her life. Im i wrong?

Are there people here who are just starting and unsure of everything? Including if the divorce will really happen?
I’m having a hard time coming to terms. I don’t believe him. He keeps saying it but it came out of nowhere and started out of anger of one little thing. I guess it could be the straw the broke the camels back type of thing. He does keep mentioning all the things he hates about me. But his anger is still there and he’s the type of person who says things in anger he does not mean.
I keep waiting for his anger not to be present so I can ascertain if he means this but I’m also starting to get to a point where he’s running out of time. I will only take so much of this before I’m done myself.
And he’s also warm and cold. Some nights it’s like nothing has changed and we are fine. We make dinner, chat, do our normal schedule. And then other times where I ask if he’s going to dinner with me and my dad and he starts yelling about how if he goes he won’t pretend everything is fine and how I brought this on myself because I don’t do anything to change to what he likes and how he’s wasted 13 years.
He won’t do couples therapy.
At this point I think we will do a legal separation regardless of the outcome. It’s best for us financially and he can still have access to my medical insurance. I also think separating bills and things will be helpful if we do end up in divorce.
But. I’m in denial right?
Anyone went through something similar and can offer advice and what happened for them?
Lastly, and maybe this needs a second post….husband is in alot of debt but it’s so much so I fear in a divorce they’ll award him a ton of alimony to cover it because his now current job doesn’t pay well. If we legally separate but live in the same residence (which we can in my state because things are expensive), can we agree on separation where his rent is less so he can pay for all the debt? I’d like him to keep his debt so he can file chapter 7 bankruptcy. But not sure a court would agree to legal separation lined up like that, anyone know how that goes?
Thanks!

Considering my last two threads have been deleted because every seems to be confused at the advice I am asking for. I am going to try one last time.
I am a severely disabled man who currently live on his own, I currently claim UC + PIP. Living on my own is very difficult and I spend many hours layed on the floor unconscious. The doctor and my medical specialist know how serious my condition is and they are unsure of what help I can get.
I have asked the Jobcentre for help due to the severity of my condition and discussed my partner moving into the flat to help take care of me and to make our lives easier.
My partner is unemployed claiming UC living with their parents, they get £300 a month and due to the benefit cap, this amount would be reduced if we had a joint claim. I have a letter from the Jobcentre explaining this. I can't expect my partner to move in and live on less than £300, it's pretty much impossible.
I am not trying to circumvent any rules or break any rules or do anything illegal. Which is why I am here asking for advice on if there is anything else I can do, if there are alternatives to having a joint claim. Or if there are other benefits I can claim which would make this more possible. Are there any other benefits or care that I am entitled to, which could make this easier for me?
A few weeks ago, I collapsed onto my floor and laid their covered in urine and poo, for 19 hours whilst I waited for an ambulance to arrive due to how stretched the services are, then I spent over a week in hospital due to my condition. These things would be easier if I could have someone live with me.
My landlord has genuinely suggested splitting my flat into two properties and writing two separate tenancy agreements, all completely above board and legal. My landlord is very supportive of my condition and how difficult it has effected me. They have suggested something related to creating a flat with multiple occupancies, I know that students quite often share a flat but rent separate bedrooms on separate tenancies, this isn't illegal or against any rules.
I do not wish to have a joint claim due to wanting separate financial control. They need their money separate and so do i. They only seem to do split payments in special circumstances. When having a "joint" claim the money isn't specified on who's is who's and this could lead to arguments or stress. As I've said before I was disabled, both me and my partner earned money from our jobs and got paid separately this was considered normal.
I am not trying to break any rules or do anything illegal, I am just a disabled man looking for some advice and support, so I can have someone live with me so I can have a slightly more comfortable life living with my disability without laying on the floor covered in my own bodily fluids for hours.
Is there any advice or benefits or anything else we can do or try, or apply for?
Edit: I am not trying to commit benefit fraud or do anything illegal. The exact opposite.
If the ideas above aren't possible, could I move out and both of us then rent two completely separate flats next to each other?
Is it okay to find a way where we could live close together without breaking any rules? People think I'm trying to find a way around the rules I'm not. I understand you have to have a "joint claim" but I want to be able to live as close together as possible, without having to do that. It's not circumventing the rules, it's following them exactly as they're intended.
​

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There are some kinds of wisdom only great suffering can bring. I remember my time in the Bardo with this in mind, for otherwise, the memory might drive me insane.
The night my heart stopped for nearly three minutes started off normally enough. I was working as a nurse in the psychiatric ward at a hospital in the state’s capital. Most of the patients there were harmless, mostly just suicide attempts or people suffering from drug psychosis or severe depression, but some were actively dangerous and certainly psychopathic in every sense of the word. The new admission was one of these- a three-hundred pound black man with a long history of smoking PCP, schizophrenia and violent, psychotic breaks from reality.
His eyes looked like flat pieces of slate as I walked in for my shift. They looked as blank and emotionless as the eyes of a doll. He sat at the table in the front room where the patients ate or played cards, alone under the bright fluorescent lights of the hospital. I walked to the station, where another psychiatric nurse named Ricardo was sitting behind the desk.
“What’s the deal with the new guy?” I asked him. Ricardo looked up, his dark Spanish face forming into a deep scowl. He ran his fingers through his jet-black hair nervously.
“He’s trouble, man,” he said in a crisp accent. “He got in a chase with the police and then punched some cops in the face. It took three guys to take him down, even after he got maced and tased. The judge sent him here on a temporary court order, since he claims he’s been getting chased by Nazis in UFOs, and that’s why he ran from the cops. He thought the cops in their uniforms were actually the SS, and the helicopters were alien spacecraft, or something. I don’t know, I didn’t listen to the whole story.”
“You have his file?” I asked. Ricardo leafed through a stack of folders with his thin fingers, snatching one out and handing it to me. I looked down, reading the information:
“Jeremiah Brown, black male, 37-years-old.
“History: Polysubstance abuse, schizophrenia, antisocial personality disorder.
“Psychiatrist’s note: This patient has scored a 36 out of 40 on the Hare Psychopathy Checklist. While I am always hesitant to label a patient as an antisocial personality, a combination of factors has made it essential for this patient.
“Patient has an extensive criminal history as well as a lengthy history of involuntary psychiatric admissions. He has been diagnosed as having antisocial traits since he was a young teenager. Patient has a long history of violence and suicide attempts. He has a history of imprisonment for manslaughter, armed robbery, grand theft and aggravated assault. Upon discharge, he refuses to take any antipsychotic medication, citing the side effects as the reason. Long-term prognosis is poor…”
I had not been sleeping well the past few weeks. I rubbed my eyes as I read through the file, feeling exhausted. I tried putting on lucid dreaming or meditation music from YouTube to help me sleep, but whenever I closed my eyes, I saw horrible things: chalk-white female faces whose lips were cut into an insane rictus grin, flicking their heads violently from side to side and gnashing their fangs at the air. I had a feeling that many years of constantly watching horror movies and serial killer documentaries was catching up with me.
As I read through the file, a student nurse came around the corner wearing a white state university outfit and a name tag that said Kaitlyn. I looked up, seeing Ricardo wink at me from where he was sitting in his chair behind the main desk.
“She’s going to follow you,” he said. Inwardly, I groaned, but I managed to force a smile.
“Oh, great!” I said. She looked like she was probably no older than nineteen or twenty. She had a pretty body, but her face looked strange. All the angles were too sharp and her nose too large. I knew the patients here wouldn’t care, though. They would hit on anything. I sensed trouble. I looked down at my watch.
“Well, I’m Jay, and you already know Ricardo, I guess. It’s good timing, because we need to give medications every day at 9 PM. And we have a new patient, so we can introduce ourselves,” I said, giving her a faint smile.
“That’s exciting!” Kaitlyn whispered. I wanted to roll my eyes. It was definitely not exciting.
I motioned her to follow me as I made my way to the medication room, which was really just a large closet off of the main day room. I had to enter my code on a keypad, and then, once inside, enter it again along with the patient’s number and date of birth. The correct drawers for the medication in each specific dose would fly open, making it extremely hard for the wrong medications or doses to be given, unless it was done intentionally.
“OK, so for this patient, we need Haldol, Ativan and…” I began saying to Kaitlyn when the yelling started. It came out faintly, rising in volume and anger within seconds. I heard Ricardo’s Spanish voice, filled with panic. Something slammed hard against a wall, once, twice, three times, and then I heard the sound of glass breaking. I jumped, spinning around, but I couldn’t see much through the small, shatter-proof glass pane on the wooden door.
“Stay here,” I commanded, seeing Kaitlyn’s eyes widen, her freckled skin looking much paler than when we had first come in. “Don’t leave until I come back and say that it’s safe.” On the speakers strung throughout the hospital, I heard the first of the warnings echo out around us.
“Doctor Strong, Doctor Strong, please report to the seventh floor,” a robotic female voice said calmly, using the code for when a patient had to be subdued by force. I pushed the door open, slamming it shut behind me so that the lock would activate and protect Kaitlyn from whatever chaos was going on.
I heard Ricardo pleading with someone at the end of the hallway that ran past the main desk. He sounded strange, as if he were trying to talk through a mouthful of blood. Huddled behind the main computer, I saw one of the CNAs frantically whispering something in the phone. She must have been the one to call the Dr. Strong order.
“You don’t have to do this, man,” Ricardo gurgled faintly. I couldn’t see what was happening, as Jeremiah’s large body was blocking my view. I could see that the thick glass window at the end of the hallway was broken, however. My heart skipped a beat as I surmised what was likely happening.
I sprinted forward as quietly as I could, but the large man heard me. His massive body turned, his flat, dead eyes scanning me with absolute coldness and calm. I saw he had a bleeding Ricardo in his hands. Ricardo’s back and head were covered in deep cuts and shards of glass. He must have used Ricardo’s body as a battering ram to break the thick glass window. Jeremiah held Ricardo suspended halfway out the window, seven floors above the concrete walkways far below.
“Stay back, or this fucker will know what it feels like to fly,” Jeremiah said in a deep, gravelly voice. He shook Ricardo for emphasis, sending his head snapping back and forth with painful cracking sounds. Drops of blood flew from his nose and a deep gash across his cheek. Pieces of shattered glass littered the carpet, shining like countless tiny stars.
I put my hands up, taking a step back. Far behind me, I heard the front door for the psychiatric ward open. Voices echoed down the hall. Knowing that reinforcements were coming, I tried to buy some time.
“Let’s talk about this,” I said, taking a step forward slowly. “You don’t want a murder charge, do you? You’ll never see the sky again.”
“I don’t give a fuck! I’m not afraid to die!” Jeremiah screamed, pushing Ricardo onto one of the shards of broken glass still attached to the windowsill. It bit deeply into the back of his neck, sending fresh streams of blood rushing out, dripping down to the pavement far below. I heard security guards and doctors running down the hallway behind me, their voices frantic and excited. Jeremiah saw them coming. With an animalistic panic in his eyes, he lifted Ricardo up. I cried out something, stepping forward, but it was already too late. In horror, I watched as he threw Ricardo out the window.
I watched Ricardo’s body soar in a graceful arc, his arms grabbing at empty air as a scream ripped its way out of his throat. Within a fraction of a second, he had disappeared from view, but his terrified shrieking floated up to us for what seemed like a very long time. His screams ended abruptly as a shattering of bones and a wet smacking sound exploded far below us.
Jeremiah turned to me, his large body moving much faster than seemed possible. In his hand, I saw a piece of broken glass, five or six inches long and as sharp as a dagger. I tried to turn and run, but he was fast and strong. He lunged forward, his arm coming up in a blur towards my neck.
The shard entered my skin with a cold, numbing pain. I felt it slice through the flesh easily, felt the blood bubbling up my throat as I tried to scream, choking. The taste of iron filled my mouth as I fell backwards. I was suffocating, I knew. I must be dying.
Something cold ran down my body, gripping my heart like freezing, skeletal hands. The world swam around me and turned black. And then I was rising into a tunnel. At first, it was dark, filled with flickering shadows, but a fiery red light appeared at the end. I followed it, no more than a screaming mass of consciousness rising up into infinity.
***
I rose up through the end of the tunnel and found myself in an empty hospital ward. It looked identical to the psychiatric ward I had just come from. It even had the same smashed, blood-streaked window at the end of the hallway. A massive puddle of blood about ten feet away marked the spot where I must have died. But the fluorescent lights overhead here were flickering, and many had gone totally dark. The shadows seemed to press in on all sides.
The doors to the patients’ rooms were all tightly shut. I felt watched, afraid to call out or make any noise. I started walking down the hallway back towards the day room where the front desk was. All the lights there were out. A thick curtain of shadows hung in the air.
“You can come out,” a male voice as smooth as glass called from the darkness. I jumped, my head flicking in random directions, but I saw nothing. The voice almost sounded like it had an English lilt to it, a slight Cockneyed accent. “I know you’re there.”
“Who’s there?” I called out, not stepping forward. “Show yourself.”
“As you wish…” the voice hissed. “But I think you’ll regret it.”
***
The darkness split apart as if a nuclear missile had exploded. I raised my hand to shield my face, but the light and heat kept pouring out all around me. It blinded me, causing a rainbow of colors and shapes to morph behind my closed eyelids. After a few seconds, it subsided. Blinking rapidly, I squinted in the direction the voice had come from.
A male figure stood there, bathed in a silhouette of light. His face looked as white and as smooth as marble. His eyes were pits of darkness that seemed to flicker and burn. Two black, rotted wings surrounded his body, all sharp angles and thin, curving bones. His body was clothed in silky, blood-red robes, and a hood covered his platinum blonde hair.
He looked somewhat similar to Leonardo DiCaprio, if he was possessed by some ancient god, and it immediately threw me off-guard. If I was dying, and this was a hallucination of my brain, why would I be hallucinating Mr. DiCaprio?
“Who are you?” I asked, taking a hesitant step back. “Where am I?”
“My name is Lucifer, the Bringer of Light and Wisdom, and you are in the Bardo,” he answered.
“Oh,” I said, my heart dropping. “Well, that’s not good. Are you here to torture me or drag to me to Hell or something? You are that Lucifer, right? The Accuser of God and the Father of All Lies?”
“So they say, but, like most things in your world, the words of the powerful and your rulers are the true lies. They call me the Accuser, but of what am I accused?” he spoke in a voice that rose like smoke. “Of bringing knowledge and wisdom to humanity by telling them to eat from the tree of knowledge, the tree that would cause them to rise above the animals?
“Indeed, at the beginning, I saw the creation. I was there at the alpha, standing by the side of God with all the angels as the universe came into being. The endless procession of light, the power of it, was something remarkable to behold. God is, indeed, the source of great power, but his consciousness is not what the believers say.
“After the creation of the universe, I saw his plan, how he ripped eternal souls from the source to imprison them. I saw how he took these divine sparks and forced them, screaming and wailing, into bodies made of meat to die over and over again. He said it was part of the plan, the great, divine plan, a plan of death and destruction, constant suffering and mindless agony. And the worst part was, he wanted to give humanity neither the knowledge of good and evil, nor the tree of life. I convinced them to eat the fruit so they could open their eyes to their nakedness, to their basic animal existence, so they could rise up out of it forever.
“Like Prometheus, I brought down the fire, and yet they call me the Accuser? God was insane long before he formed the universe. These holy men, they live and die in fanatical adoration to a divine being who is, in fact, totally indifferent to them.
“His consciousness twists and distorts, eating itself for all eternity. God feeds off the pain of others, for if his mind is burning, then all others should burn as well. When these holy men die, God will send their souls here to the Bardo, to suffer every evil they have ever done. The wisdom I brought those who called upon me freed them from this prison, and in exchange, the holy men burned them alive. I offered the wisdom that opens your eyes, but it has been forgotten and cursed.”
Lucifer’s body began to dissolve, drifting up into the air like ashes. All around me, a low, powerful current blew, a tornado that spiraled high up into the clouds. Like some sort of Cheshire Cat, his smooth voice continued to echo all around me, even as the form of Lucifer disappeared.
“And yet, you have not the wisdom. For that, like all the others who enter the Bardo, you must suffer, everything you’ve done. Every small hurt and agony inflicted on others comes back a thousand-fold in this place, but don’t be afraid.”
“How could I not be afraid?!” I screamed into the ward, but I found myself alone, the question hanging unanswered in the air.
***
The lights continued to flicker all down the hallway. Feeling strange and dissociated, I stumbled over to one of the windows. As I gazed out, I beheld a strange and alien world.
The sky was flat and gray. It stayed in constant motion, swirling and spiraling, like clouds of roiling smoke. There was no Sun or Moon, no stars, only the strange, shifting whorls of clouds. The streets were filled with burned-out husks of cars and mummified bodies hung from streetlamps. Other signs of carnage and bloodshed covered the apocalyptic streets. I saw what looked like shadows in the shape of people slinking through over the sidewalks, past rotting dogs and streaks of clotted blood. They had no features on their blank, dark bodies. They seemed to skitter and jerk forwards in eerie, twisting motions.
Horrified, I turned away, realizing I was no longer alone in the day room. In the day room, there were dozens of tables set up inside a rectangular perimeter that was walled in by cosmetic walls only four feet high. It was where the patients sat and played games or ate.
Under the flickering lights, I now saw each of the chairs filled with faceless mannequins. Many were dressed in Victorian suits and tophats. The women had frilly dresses of pink and blue that might have been fashionable in the 1800s.
As the lights strobed on and off overhead, I realized with an increasing sense of disquiet that the mannequins were moving each time it went dark. When I had first seen them, they were mostly posed to look like they were staring across the tables at each other, even though they had no eyes, just smooth, flesh-colored plastic. Now all of them were looking directly at me. Some were pointing or raising their hands in my direction. At the tips of their fingers, I saw the glittering of steel. The lights continued to flicker, and the mannequins rose from their chairs in the short periods of darkness, moving towards me in synchronized, strobing motions.
Frantically, I ran down the hallway back towards the broken window. In each of the rooms, I caught glimpses of something from a nightmare peeking out. I hadn’t been sleeping well lately, and when I had closed my eyes, I often saw ancient hags with chalk-white skin and yellowed, broken teeth whose jaws unhinged, their faces jerking in stuttering, dissonant ways that reminded me of the mannequins. Now, on both sides of me, I saw these same figures. They moved continuously out of the rooms, drawing closer with every breath.
I looked back, seeing the mannequins only a few steps behind me. I continued sprinting towards the broken window where the hallway ended in a wall. I didn’t know what would happen when I reached it. At that moment, there was no rational thought. I felt like a deer being chased down by a pack of wolves, feeling waves of blind panic and mortal terror rushing through my body.
But as I reached the end of the hallway, the end of my rope as it were, a blast of noise started, seeming to come from the walls of the building and the sky itself. It sounded like a siren, a low, drawn-out drone of a demonic whale call, rising and falling in crashing crescendos. The mannequins froze in place once again. The strange, witch-like creatures slunk back into the dark rooms.
I looked outside the broken window, seeing clouds of black smoke rising off in the distance. The flickering of massive infernos scorched the land, drawing nearer by the second. The siren sound faded slowly, like the dying echoes of a gong.
I was surrounded by dozens of mannequins. Their sharp hands were inches away from my face and neck. I saw metal glittering all around me and realized they had the sharp points of nails protruding from the ends of their fingers. I was afraid to move, but I heard a familiar voice from down the hallway. It was the confident voice of Lucifer.
“The siren means much worse nightmares than these are coming in the Bardo,” he said, his glossy, black eyes flashing with intelligence. He walked slowly towards me, his face grim and pale. “Hell itself is coming over the land. This building is no more than a construction of your dying mind, but the world outside is real.”
“How can Hell come and go?” I asked, confused. “Isn’t Hell a place?”
“Hell is a monster, a beast with many mouths and many eyes,” Lucifer responded. “It eats constantly, but its hunger never ends. Look, the first of the sacrifices scatter like cockroaches.” He pointed out the broken window, pushing his way through the mannequins effortlessly. I glanced outside, seeing thousands of people sprinting down the dark city streets. The inferno and thick clouds of smoke had moved much closer, and every few seconds, the ground shook slightly, as if we were experiencing the aftershocks of an earthquake.
“What can I do against such a beast?” I asked, my heart freezing with terror. But when I looked back over, I saw his form dissolving again, becoming translucent and drifting away like ashes. It seemed even Lucifer didn’t want to be present when the Hell-beast arrived.
“Seek divine wisdom,” he said, his voice trailing off into whispers. “Remember the source.”
***
Now crowds of tens of thousands of people were streaming into the city, filling every single inch of the streets. Their panic and fear was contagious. I felt it rising inside my body like a snake spiraling up my spine. I took off down the hallway, running through the swarm of frozen mannequins, each in their own ferocious position of attack. The lights flickered faster and went out. Yet the fires outside cast the entire world in a bloody glow, giving me enough light to see by and find my way. I sprinted down the stairwell, taking them two steps at a time. The screaming outside grew louder and more pain-filled. The shaking of the ground worsened with every passing second.
I burst out of the front entrance, seeing a world on fire all around me. Thousands of crushed, bleeding and burned bodies stretched out as far as the eye could see. Behind all this chaos and death, I saw a monster of unimaginable proportions slinking its way towards me.
Lucifer was right, I realized: Hell was not a place, but a creature, an enormous monster the size of a town. It had thousands of skittering, jointed legs that looked like little more than skeletal arms and hands, each of them dozens of feet long and white as freshly-cut marble. Its body stretched out to the horizon, an enormous blood-red cylinder of bony plates that slithered and undulated with a serpentine grace. Waves of peristalsis traveled down its length, like writhing intestines. Thousands of curving, bony spikes stabbed out of it, pointing in every direction. Like the quills of a porcupine, it would protect the massive creature’s body from many forms of attack, if anything was big enough to attack such an abomination.
Hell’s massive eyes flickered, balls of fire that spun and danced. They looked as bright as the Sun. Something like solar flares seemed to emanate from the orbs, flashes of blinding energy that floated over the apocalyptic wasteland. As its many legs smashed the ground, they left trails of fire that caused everything to explode into flames as if napalm dripped from its limbs.
But Hell’s most terrifying feature was its seven dark mouths. Its body looked a thousand feet wide, and the mouths at the front were evenly dispersed. At the front, blood-red teeth in the shape of enormous railroad spikes shone. Its lipless, skeletal face grinned as it moved forward, shaking the ground with every step. The mouths were on long, snake-like necks that could stretch out hundreds of feet. They moved forward in a blur, snapping up as many panicked souls as they could.
Countless souls in the rocky plains of the Bardo ran for their lives, away from this juggernaut. I saw men and women who looked like they came from every country and profession, some dressed in suits or spotless white lab coats, others wearing rags or orange prison jumpsuits. And yet, they all screamed in agony and fear here, their bodies pressed together in a crowd, and no one seemed to remember anything but their own mortal terror. Their voices came out faint and weak next to the roaring of Hell. It shook the ground all around us, as if an earthquake were tearing the land apart.
The first frantic runners of the surging crowd had nearly reached me. The nearest person, a young woman in her mid-twenties dressed in all white, was only ten feet behind me. She looked like she came from wealth, and even from here, I could see a ring with a massive diamond gleaming on her finger.
I took off blindly down the familiar streets of the city where I worked and lived, but these also seemed different. The church down the street from the hospital where I worked had a Satanic pentagram instead of a cross now, its exterior painted a bright, gleaming blood-red. When I had driven past it today on my way to work, I remember it read, “JESUS said, ‘I am the Way, the Truth and the Life. No one comes to the Father except through Me.’”
Now it read, “Nietzsche said, ‘Of all evil, I deem you capable. I have often laughed at the weaklings who thought themselves good simply because they had no claws.’” I wondered what that meant. Was that some sort of comment on me, on all of us here?
The woman I had seen running had caught up with me. She was fast, much faster than her slim body suggested. Her blue eyes were frantic and wild, filled with an animal panic.
“It’s right behind us!” she screamed, her face covered in a sheen of sweat. I was afraid to turn and look, but I could hear the chaos and bloodshed approaching, smell the flames and choking smoke. “Run! Get away!”
A new wave of energy surged through my body. I sprinted as fast I could down the strange mirror streets of the Bardo. I heard the agonized cries of countless souls behind us as the seven mouths of Hell ate them all greedily and then looked for more.
A skyscraper behind us collapsed into a pile of rubble, shaking the ground with a cacophony of falling concrete and shattering glass. The woman was running by my side. Just as I heard the breathing of something huge and predatory right behind us and smelled its sulfuric breath, a piece of concrete the size of a basketball broke off the collapsing skyscraper and flew into the road. I tripped over it, yelling as I flew through the air, skinning my arms and legs on the pavement. The woman’s eyes widened. Hurriedly, she came over and reached down her hand, trying to help me up.
“Come on, come on!” she cried. I looked behind her, seeing one of the gnashing mouths of Hell reaching forward on a blood-red, serpentine neck. The mouth was big enough to drive a tractor trailer into, filled with huge spikes of teeth. Its throat led into a black, smoke-filled abyss. Its fiery eyes were swirling pools of flickering orange light that shone with bloodlust and insanity. They focused on the woman, the entire head turning on its slithering neck.
I frantically raised my hand, intertwining my fingers with hers. Her hand was warm and soft. She started to pull me to my feet when the mouth of Hell snapped forward. Its jaw unhinged, scraping the pavement with a sound like grinding metal. The woman barely had time to turn as the mouth covered her and snapped shut with a crack.
She disappeared from view instantly, but I was still holding her hand. In horror, I felt warm rivers of blood explode all over my body as the mouth of Hell severed her arm at the wrist. She screamed, bleeding and crying, as she disappeared into the throat of Hell. Hell’s fiery eyes focused on me, and at that moment, I knew I was next. Its mouth opened wide again, like a bear trap ready to spring on a new victim.
It was dark in Hell’s mouth, but I smelled the thick reek of old blood and fire. I caught glimpses of tortured, mutilated bodies writhing and crawling down its throat. Shell-shocked, I could only lay there and watch. And that was when the strange doubling started.
***
I heard the frantic voices of men break through the fog of darkness and the fetid reek of blood. There was a mechanical beeping all around me, but I couldn’t tell where it was coming from.
“Clear!” one cried. I looked around, only seeing blackness. At that moment, I felt a surge of electricity rip itself through my body. My arms and legs all seized and my eyes rolled up in my head as the pain sizzled through each one of my nerves. I clutched the young woman’s hand tightly, feeling the large, gold ring with the massive diamond biting into my skin.
“Again!” another voice yelled.
“Clear!” the original voice cried. The electricity came again, and a flash of white light flew across my vision. I blinked, seeing from two sets of eyes at the same time: one in the Bardo, and one on the blood-stained floor of the hospital ward.
The Bardo stayed dark and sinister, but the clear white lights of the real psychiatric ward were blinding. It was a bizarre experience. Moreover, everything hurt. Over a few seconds, my vision of the Bardo faded, and I was simply a gravely injured man laying on the floor in a puddle of blood.
Four doctors and paramedics were crouching over me with a defibrillator. My shirt was ripped off, and nearly all of my skin was covered in blood. I raised my left hand, trying to talk, but only a fiery pain raced through my neck. I felt bandages covering my skin. A nurse was rolling a stretcher down the hallway towards me.
“It’s OK,” one of the doctors said, kneeling down. “You’re being taken to emergency surgery. You’ve lost a lot of blood.” I wanted to say something, but I couldn’t talk with the massive slice in my neck.
At that moment, I felt something in my right hand. I looked down, seeing a slim female hand with a massive diamond ring hanging there. Our fingers were wrapped around each other’s, but the hand had been cut off at the wrist. A ragged patch of bloody flesh and snapped bone poked out of the back.
“Nnnn,” I tried to say, shaking my head. I felt fresh streams of warm blood open up. “No…” The doctors looked down, seeing the dismembered hand. Their faces morphed into expressions of confusion and fear.
I closed my eyes as they lifted me up on the stretcher. One of them gently removed the cold hand from my fingers. But they could never remove the memory of what I had seen.
I know what happens after death, and it makes the worst life here seem like a dream. I know that, one day, I’ll be returned to that place. I know that, one day, I’ll see that great monster called Hell and the featureless, swirling sky of the Bardo again.
And the next time, I won’t wake up on a hospital floor, but will be trapped there with the others for eternity: an eternity of blood and fire.

Hi, I'm an international graduate student and have some questions about marketplace insurance. My program started on Fall 2021, I was single back then and on the school's insurance plan. I got married May 2022 with my wife back home and for Fall 2022 she already had her F-2 visa and was coming to the US. The school's family insurance got incredibly expensive when you added one more person, to the point that I would have had 10$ or so for groceries. This freaked me out, so a lady at the school's insurance office refered me to a former student who runs an insurance business and he helped us get a marketplace insurance which was super comfortable. We paid like 40$ a month the first full year (2023) and this year we were paying less than a dollar a month. We've used the service two or three times and haven't been charged at the healthcare facilities.
For my 2022 taxes (I had insurance for that Fall), the insurance broker sent me to an accountant and said they would handle everything. I went, got charged 75$ for their service and paid like 150$ in taxes. This year for my 2023 taxes I decided to try avoiding the 75$ fee and go to a local place called Centro Hispano, over there I showed the lady my paperwork for the previous year and she started asking me about a 600$ penalty I needed to have paid (to the IRS?) the year before because my F-2 wife is covered by the plan. First time I heard about this and it freaked me out a bit. Although 600$ (+ low monthly fee) is not a bad deal for the insurance we've been having, I wans't looking forward to losing 600-1200$ I "thought I had saved". I asked my insurance broker about this and he said I just needed to file my taxes with the accountant that he recommended me last year and that they knew how to handle this. So I went to the same place I went the year before, had to pay over twice what I paid the year before on taxes and asked about this penalty and the accountant didn't seem to know what I was talking about.
This week I received an online document from the insurance guy which stated among other things, that they were not responsible for any penalties or fees that I didn't pay. I've been asking this guy about this fee, and he has either insisted that he mentioned it or saying that "he thought the accountant would handle it". I don't care about blaming anyone, it's not like if I have money to pay attornees, my big concern is that the government thinks that I've "been getting away" with having a good insurance for me and my wife while avoiding paying the penalties. Back when we first heard about the penalty, we did some online research, and it might be that I as an F-1 student also need to pay this penalty because I haven't been living 5 years or more in the US.
At this point, I just want to know whether I owe money to anyone, how much, how to pay, who to ask for help....? Thanks to you all for sharing your experiences.

DAY: MAY 15, 2024

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I have been struggling to get my deposit back from my landlord and his “makelaar” since July 2023. I moved from Nijmegen to Amsterdam. I have sent them registered post etc, and I have the paper trail covered. So yesterday I sent the ex-makelaar in Nijmegen an email saying that I am going to the authorities with my electricity bills to raise concerns about energielabel fraud (I have documents). It was an attempt that they take my emails and letters seriously. As far as I know they do not have my current house adres. Today I received an email from Thuispoort which is a NEW housing corporation in Brabant - I did not sign up to any housing platform in that province and consider the timing. Can the ex-makelaar use a housing platform to fish for my current house adres to intimidate me? Because it is working.

Hello. I graduated from undergrad in may 2022 with 25k in federal loans (mix of subsidized and unsub) as well as an 18k private loan at 9%APR. I began repayment in December 2023. I am currently working full time before starting medical school in July. The federal loans are all about 5-7% APR.
I had a few questions about my best coarse of action:
I currently have about 30k cash saved up from working, and want to make the most of it.

1. Im currently planning to pay off the private loan entirely, as from what I understand private education loans are not eligible for PSLF. (the servicer is collegeave)
   
2. Since I am currently in repayment, can I apply for the SAVE plan for my undergrad loans before starting medical school? My income based off 2023 tax returns was high, however, I was hoping that I could appeal it with a letter from my employer that my employment has ended etc. As you know, my income from july onward will be $0. I want to do this in hope to minimize interest accrual during med school.
   
3. For the remainder of my income, I wanted to open a SoFi high interest savings account.
   

Do these ideas all sound solid? or is there something that would be more wise?

Is it still possible to ace in college and get a job at big tech companies or do a startup of my own after getting 67% in 12th boards?
I am a student whose 12th board results just cameout and I don't know how but I got 67%, now for some background, I come from a somewhat toxic family, and a lot of things happened while I was in 11th and 12th beacuse of which this happened. I had got 91% in 10th from that because of the things going on in my family life I could'nt focus on my studies at all until the very end months and things went completely south, I got way lower marks than I expected in all subjects except Hindi and English,
Physics-57
Chemistry-47
Maths- 44
Computer Science - 81
English - 90
Hindi - 63
I dont know how my maths became such bad as it was the only one out of PCM that went good during the exam.
The thing is now my parents admitted me into this college in Kolkata through management quota where the average Placement is 4.48lpa (while I'm sure that's equal if not more than the amount my parents paid for my admission).
So is it still possible to turn my life around ? I always had interest in tech and coding thanks to video games, when I was younger I wanted to learn how to code video games and be a game devloper but my parents weren't supporrtive and I heard there isn't an idustry for that in India so it's useless, right now I am into Machine Learning which I got into after finding about an AI model made just to beat and break the video game Tetris, I want to create or work on projects like that.
Also it's my dream like anyone else to work for a big tech company and earn atleast a lakh an year just after graduating college. But I'm scared if my 12th qualifications will hold me back, can I still acheive that, whatshould I do and how harder do I need to work

Hello!! i’m a filipina-lebanese senior studying in UAE, and i’d like to know whether you guys think it’s better if i get a degree from UAE or Georgia (EU)?
I mostly only consider Georgia because I heard UAE university students are having a tough time getting employed, and Georgia is very cheap as compared to UAE.
I’m planning to study computer science to become a data analyst and a medical coder per diem. I’m taking medical coding certification next year. I don’t know where exactly I plan to live after my studies, but it’ll either be in Abu Dhabi, USA, or Canada. I don’t plan to work in Georgia.
I also briefly considered studying in Canada, but a study visa + cost of living is too high and i’d need a minimum of 100k AED. I plan to study with little to no debt especially because I have three sisters going to university not too long after me.
TL;DR - what will be more worth it for me? a Georgian degree or one from UAE? - Is education in UAE as unmarketable and unappealing as I hear? - Is studying in UAE worth the 70k AED yearly cost? Studying in Georgia would cost me about 40k-ish yearly and is close enough to UAE to travel for the holidays. - Is Canada still worth considering?