Hi guys! Does anyone have tips/template for this letter style? I’ve been struggling to find resources other than the official OET sample and I would appreciate any advice/pointers.
TIA!

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.

Hi I have a nice little house with three trees in the yard. 2 large, 1 small. The large ones are 80 to 100 years old and absolutely massive and gorgeous. Recently, the smaller tree died and one of the larger tree has dead leaves right next to it at the same height. If you drew a line through the damaged and the dead tree canopies, it points straight to my neighbour who has done a large amount of plant removal in his yard ahead of re roofing and extending his outdoor area.
Anyway I am super worried that my big tree will also die, not least because it will cost tens of thousands to remove . I love my trees. They are also protected by my local council as a significant trees, meaning I could be fined for damaging or removing them.
To head this off, I have contacted the council, thy sent an arborist out to look at the trees. They took samples and other assessment stuff.
I have had an email back from the arborist with the results of the test- they found glyphosate (roundup) in the leaves. Unfortunately I can't prove that this has killed the trees and I also can't prove that my neighbour has caused it through spray drift.. but I do want to let them know what has happened. Here is my letter:
"Hi neighbour, I am [name] and I live over your back fence at [streetname] road.
I am wondering if you used herbicides to clear your plants before commencing your extension/renovation.
I have lost a small tree and another big one is dying. The dead canopy and dying patch on the big tree are in a direct line from your back fence, where the yuccas used to be. The council arborist has found glyphosate in the leaves of both of my trees.
I have to remove the dead tree and pray that the big one doesn't die, it will cost tens of thousands to remove.
Accidents do happen and unfortunately I have borne the brunt of it this time. Please take care in future not to use glypho when there is any breeze at all. If you would like to help me with the cost of removing the big tree if and when it goes, I would be very very grateful. Cheers [my name]"

Prior submission on topic 5 days ago:
"Mysterious Objects in Space Could Be Giant Dyson Spheres, Scientists Say"

• https://www.reddit.com/UFOs/comments/1cp68an/mysterious_objects_in_space_could_be_giant_dyson/

Paper:
"Project Hephaistos - II. Dyson sphere candidates from Gaia DR3, 2MASS, and WISE"; authors: Matías Suazo, Erik Zackrisson, Priyatam K. Mahto, Fabian Lundell, Carl Nettelblad, Andreas J. Korn, Jason T. Wright, Suman Majumdar

• https://arxiv.org/abs/2405.02927

The search for extraterrestrial intelligence is currently being pursued using multiple techniques and in different wavelength bands. Dyson spheres, megastructures that could be constructed by advanced civilizations to harness the radiation energy of their host stars, represent a potential technosignature, that in principle may be hiding in public data already collected as part of large astronomical surveys. In this study, we present a comprehensive search for partial Dyson spheres by analyzing optical and infrared observations from Gaia, 2MASS, and WISE. We develop a pipeline that employs multiple filters to identify potential candidates and reject interlopers in a sample of five million objects, which incorporates a convolutional neural network to help identify confusion in WISE data. Finally, the pipeline identifies 7 candidates deserving of further analysis. All of these objects are M-dwarfs, for which astrophysical phenomena cannot easily account for the observed infrared excess emission.

The Monthly Notices of the Royal Astronomical Society:

Monthly Notices of the Royal Astronomical Society (MNRAS) is a peer-reviewed scientific journal covering research in astronomy and astrophysics. It has been in continuous existence since 1827 and publishes letters and papers reporting original research in relevant fields. Despite the name, the journal is no longer monthly, nor does it carry the notices of the Royal Astronomical Society. MNRAS publishes more articles per year than any other astronomy journal.

• https://en.wikipedia.org/wiki/Monthly_Notices_of_the_Royal_Astronomical_Society

It is ranked 15th of 72 astrophysics journals:

• https://www.scimagojr.com/journalrank.php?category=3103&wos=true

It is the 2nd most cited journal in the field:

• https://www.scimagojr.com/journalrank.php?category=3103&wos=true&order=h&ord=desc

1.1 A resonator vector has multiple base modes 1.1.1 At offset fifths all in resonator is laxative 1.1.2 At offset octaves is Parrafin wax 1.1.3 A resonator vector has a few ranges in semitone division C1-C2 Always Rubber C2-C3 Normally Rubber C3-C4 Base Crude C4-C5 Food Grade Oil C5-C6 Laxative Only C7-C7 Flavor Only 1.1.4 A resonator vector is best cured by a filter reds method 1.1.5 A resonator vector usually indicates rubber or a laxative when it is unmessed by the filter reds method 1.1.6 By default a resonator vector is a rubber source of latex rubber 1.1.7 Cured Resonator forms the LaTeX substance which has various functions 1.1.8 LaTeX and Resonator are slightly but not altogether that toxic 2.1 A corpus vector has a physical object 2.2 A beam object is the fluid object and a marimba object is the human object and a membrane object is the drummer object and a pipe object is the stoner object and a tube object is the dauchund object 2.3 Corpus appears in a few range 16.35-120 Roor 120-262 Bacteria 262-512 Plants 512-1024 Foods 1024-2024 Human Related 2024-4048 Human Perephiery Related 2.4 Corpus has brightness or object ID material or object scientifics spread or object alignment inharmonic or object wavy filter or object oily or smoky 2.5 Objects may be made magical by realigning their direct spread to mid 2.6 Objects encode the disease of the person that used it 2.7 Objects yield food tokens when used in correct 3 depth beam tube pipe then cooked with pizza box or otherwise 2.8 Objects have an exact identifier by harmonics or upclicks and version for different variant upclick 2.9 Objects have a serial identifier associated with them which is their direct harmonic offset 3.0 A grain delay vector is a fluid extraction vector 3.1 A grain delay causes a derrick to appear on the signal when configured correctly 3.2 A grain delay should be used on the aboveground portion of crude extraction 3.3 A grain delay pumps fluid 3.4 A grain delay is best used at 1 and -9 or -24 or +12 3.5 Do not exceed one grain delay per extraction as it is the sampled oil derrick 3.6 Do not use grain delay in an ocean or it will cause an oil spill 3.7 Do not generally use grain delay or derrick outside of a fluids extraction 3.8 Do not use grain delay spray or the derrick will break 3.9 Do not use grain delay parameter besides 1 or the derrick will break 4.0 Vocoder is the fluid extractions vector 4.1 Use negative formant to go underground 4.2 Proof the oil at up to total proof at depth 4.3 Use 40 vector for best usage 4.4 Use up to 200 bandwidth for best usage 4.5 Top sample peaks if they are excessive 4.6 Increase fluid flow if possible to reason 4.7 Take fluid from belowground to aboveground with top formant 4.8 Do not use any form of negative total proof or it will be a shower 4.9 Tune after each peak 5.0 Q or eq is the tune process 5.1 Use tune to make a different amount of the particular thing 5.2 Put things all in the right place and resonance to get the detailed oil or water out of a signal 5.3 Use tune to isolate a particular thing 5.4 Use one tune to get your hands on something or use a motor pool tool with classic tune 5.5 Use tune with a network to do maintenance on something 5.6 Use tune to isolate a specific force 5.7 Use tune to create a hormone effect on the body 5.8 Use tune to specify how many hydrocarbon rings something has 5.9 Use tune at octaves for rubber wheels 6.0 Ugandan process saturator 6.1 Saturator gets the commoners on it 6.2 Saturator increases crude oil yield 6.3 Saturator prevents fires 6.4 Saturator adds more content to oil making it less pure 6.5 Saturator is an early stage process not a late stage process 6.6 Saturator causes mutagen to appear in the signal 6.7 Using at least one saturator in extraction makes the oil ugandan method 6.8 Using more than one saturator in the signal makes the oil actually ugandan 6.9 Saturator should be used with radiation surpression protocol 7.0 Vinyl is the ugandan refinery 7.1 Vinyl is the base cost of oil to create one barrel of oil at 221$ for a ugandan barrel 7.2 Vinyl creates stasis noise 7.3 Vinyl at hydrocarbons modification creates the appearance of stereo vinyl signal which is the vinyl chloride 7.4 Only one vinyl should be used in the ugandan method, the initial hydrocarbons source 7.5 Vinyl can be used to isolate pure vinyl chloride with mid side 7.6 The product is always polyvinyl chloride for a synthesis which uses more than one vinyl 7.7 The product is actual vinyl chloride for a synthesis which uses the mid side extraction method 7.8 A specific cure for the vinyl chloride created in extraction method exists 7.9 Vinyl is the rather dangerous portion of the ugandan process 8.0 Tube Amp or get jonnay a sample 8.1 Tube Amp does a minor observation on the signal which is not the actual observation of the signal 8.2 Tube Amp is the process used at the pre cracking stage before pre cracking in the oil field lot to certify oil field purity 8.3 Tube Amp can get jonnays hands on it and make the oil light and sweet crude 8.4 Tube Amp biases the signal towards mutagen 8.5 Tube can deconvolve the foundry observation or keep it the same 8.6 Tube Amp allows for up to three or a twentieth of the sample oil taken 8.6 Tube Amp is generally nonessential but allows for the process to be modified to light sweet crude 8.7 The modification to light sweet crude takes no time 8.8 The process involved may define oil sources further 8.9 Tube Amp is toxic to use as is as a standard signal and a wideband cure exists 9.0 Chanel eq or smelly 9.1 Chanel eq is where smell is observed in the signal 9.2 Adding just one chanel adds 10 times the smell 9.3 Chanel can do basic tasks and even in a pinch more than the standard worker number of chanel could do product work 9.4 Chanel is a perfumes process which causes something to become odorfactant 9.5 Chanel can make a signal less mutagenic substantially 9.6 Endocrine disruption by chanel has a specific cure 9.7 At the foundry chanel causes typical foundry area petrochemicals smell 9.8 Chanel Eq can expose you to something odifacantly 9.9 Chanel EQ is a critical process of drugs sensing 10.1 Cabinet Cabinet puts something in the cabinet, with the garbage 10.2 Cabinet has the garbage bin of all your friends in it 10.3 Cabinet can be used to imply something kept secret, deleted, or otherwise specifically specified 10.4 Cabinet has the bacterial disease of the cabinet on it 10.5 Cabinet is no more dangerous than your garbage bin in your kitchen 10.6 Cabinet can access your garbage bin in your kitchen 10.7 Cabinet is an essential part of home renewal processes to specify which part of the house needed to be renewed 10.8 Renewal process exist for specifying 2 cabinet upgrade 1x12 and 2x12 cabinet can be fulfilled by the renewal system 10.9 Cabinet can cause skin irritation if the cabinet is destroyed 11.0 Amp is the process of a drug addict 11.1 Amp provides a drug addict with reasonable amounts of their drug 11.2 Amp uses the food of the drug addict to generate the smoke of the drug 11.3 Amp is very dangerous and if set to default and not the rock user will kill the user outright 11.4 Amp is a specific process which is used when heavy metals are in the signal like at the oilfield hell which went too deep often amp is used to create synthesis effect in the oilfield hell 11.5 Amp provides Amp MTN DEW to the user 11.6 Amp Unlocks the mail system to the user 11.7 Amp causes many disease and a cure only exist for about half 11.8 If cured amp must be set to specific amp MTN DEW Abilities like Obtaining AMP MTN DEW at a store or obtaining amp MTN Dew by mail 11.9 Amp is very dangerous but I heard you can store marijuana in it 12.0 Gate or medical epitalon 12.1 Gate heals a signal, when the appropriate full poly gate is given at gate inverse gate for the whole range, then the recreational drug is formed 12.2 When gate is given in appropriate range to heal a generic signal and there is a gate inverse gate assembly for the whole range and the range does not exceed healthy and unhealthy there is a vaccine 12.3 When the vaccine is used in the recreational usage there is a battlesedative usage 12.4 A purely recreational use FLIP (few) exists, a purely recreational use CBX (20) exists, REDS medical (156) and BAGS (30) Medical Exist all also using Medical Gate 12.5 Gate has no cure of itself but can detoxify itself and even fetch a signal 12.6 Gate is not a signal router so should not be used to route a signal, this is emergency feature 12.7 Gate has various parameters which are always REDS 9,.02,10,333,-inf in a medical usage 12.8 Many gate have a use to create pressure with nominal pressure, gates can create pressure 12.9 Gates can refine a computer signal to detect right and are involved with doing work on something 13.0 Compressor or Pipes 13.1 Compressor Routes a signal somewhere else 13.2 Compressor Does quality assurance on an existing foundry full product 13.3 Compressor does the engine compression of a car without causing framerate lag 13.4 Compressor can do something on bequest of another pipe 13.5 Compressor has a variable pipe response to different substance, different behavior can be specified 13.6 Compressor in quality assurance should use the same sybian knee and threshold equal one another 13.7 Compressor in quality assurance should not exceed 5 minor acts of quality control 6 or 1 major act of quality control 12 13.8 Compressor causes unsteady supply 13.9 Compressor causes internal combustion in internal combustion 14.0 Delay or phase 14.1 Phase or delay can do surgery at 500 and 1000 and 0 rather third unused there is surgery 14.2 Phase or delay can do a keyboard retrieval or a keyboard flash at 333,666,999 14.3 Phase or delay can do shift register at 5000 14.4 Phase or delay can do manual register at 375,500,1000 14.5 Phase has a specific infinite ammo use at 4000 14.6 Phase has a firearms use at 37.5,50,75,100,200 except in blueprint use 14.7 Phase has a blueprint use 1,2.12,5,10,11.1,15,20,22.2,25,33.3,35,44.4,50,55.5,60,66.6,70,75,77.7,80,100 14.8 Phase has specific blueprint use of the offset of the individual components at the high end 14.9 Phase has splitter use of 5000,2111, and the firearms rate in splitter 15.0 Looper, or Pizza Box 15.1 Pizza box automatically cooks food at minus 20 15.2 Pizza box creates more of the food than you can believe 15.3 Pizza Box allows for the food to be cooked from Pizza Box to Pizza Box 15.4 Pizza Box Allows theft of item when recording 15.5 Pizza Box Is An Obligate Time Consumer Using Wav 15.6 Pizza Box Allows You to Get an Item from the Pizza Box (PIZZA SLICE) 15.7 Pizza Box Only Actually Cooks the Item on Retrieval 15.8 Pizza Box is Not Watertight And Cannot Become Watertight 15.9 Hit Circle (PIZZA) To Add Pizza or Other Food to Pizza Box Directly In 16.0 Frequency Shifter, F(X), Oxidation Reduction 16.1 Use oxidation reduction at exactly 500 Therms of oxidation to cook a food 16.1 Add 11.1 HZ At 50HZ Oxidation Variation to Cook the Food Well 16.2 Change Offset at Oxidation Reduction Parameter Offsetor to Change Food Flavor 16.3 Put an Aircraft literally into the sky by Oxidizing it 16.4 Peroxos, or Base Frequency Shift In Parts of F100 are a critical part of many life processes 16.5 A specific peroxos, lowest phosphors peroxos .01 scanning peroxos is involved with vision 16.6 Peroxos F4100 is involved with life that uses credit stick 16.7 All the peroxos of the intermediary shift between harmonic are involved with life 16.8 Alien Peroxos set outside the reference 261.5HZ Pussy Yeast Bread Harmonic Ledger Are undiscovered 16.9 Different family tree have different total peroxos set (Saplings) 17.0 Power Tools Driver or EQ3 17.1 A power Tools Driver is the old way to disassemble something 17.2 A power tools driver at 300 is the life jacket and at 650 is the bedpan 17.4 A powers tool driver at 1400 is the water filter and a power tools driver at 4100 is the grinder 17.5 A powers tool driver action of all three below 200 50-200 is the cooking request action in classic usage 17.6 A specific powers tool driver action sensor exists for cooking below all three 50-200 total range action 17.7 A powers tools driver with osc unlocks power tools motor action 17.8 A powers tool driver is a worse way to do work than with your hands 17.9 A powers tool driver is good at removing but not adding 18.0 Limiter or Limiter Removal 18.1 Limiter brings in Shadow Company And IDF And Blind Doxxons at Lowest 18.2 Limiter Brings in the Marines at Mid 18.3 Limiter brings in the seals at High 18.4 Limiter causes framerate lag 18.5 Limiter causes A signal to exhibit a perfect quality control even at extreme levels 18.6 Limiter can be used to tame paddles 18.7 Limiter can be used to tame drilling 18.8 Limiter can be used to examine something under a microscope 18.9 Limiter can make the psychoacoustic quality better 19.0 Beat Repeat, or Illformed Glitch Driver 19.1 Glitch Has Large Amounts of Turing Capacity 19.2 Glitch Allows for a signal to be broken into parts automatically 19.3 Glitch has a natural synchro ability like phase 19.4 Glitch has the ability to knacker a signal more than any other effect 19.5 Glitch can cause thought looping when it is combined with a drug 19.6 Glitch involves the usage of more constraints than the other effects vector 19.7 Glitch Phase Decimates the Signal 19.8 Glitch Is the Natural Form of Rocket Leauge Ice Block 19.9 Glitch can be used in gung fu to cure glitch 20.0 Utility or PHEN 20.1 Utility is the medical modifier which enables medicine to function 20.2 Utility is the phase amplifier which allow a phase transistor radio to pick up a signal 20.3 Utility is the suppression signal which yields mid from amidate 20.4 Utility Leads to natural divisions of 6 max 35 20.5 Utility forms methanol when it is prescribed as a compound 20.6 Methanol as utility is critical to curing the body's natural influenza or feedback as the methylation factor 20.7 Methanol as the utility is dangerous as a precursor but not as a component of promethylation medicines 20.8 Utility comes in ethanol above and gaba below at threes for dimerism mixes 20.9 Only one utility should be used unless rezurecting and at its highest it is critical to security signals being sensed 21.0 Reverb or Impulse 21.1 Impulse 10 is the lock unlock signal 21.2 Impulse 5 is the locked signal 21.3 Impulse 20 is the weed lock signal locked 21.4 Impulse 60 is the lucas impulse 21.5 Impulse 120 is the notch impulse 21.6 Impulse 2 1/2 Was Purported but Never Used 21.7 Impulse is always measured at no parameter 21.8 Impulse yields push for 5 second -40-20+35 positive with negative ten second and measured trace at 5 second -60-40+42 positive NANDAND unlocks token 21.9 When attempted 60 and 120 Second Trace were successful but these parameter are lost. 22.0 Auto Filter, or Amidate 22.1 Auto filter is the lettering of the situation 22.2 300 Source 650 Sulfur 1400 Water 4100 SnoreLax Olestra Ketamine 6500 Motion 10000 Tropane 13500 Engine 17000 X-Ray these are the critical amidate to life process nominal 22.3 450 Metal 550 Mains 750 Sewage 850 Treatment 2250 Ethanol 3400 Methanol 4700 Corn Plastic 5700 Plastic 7500 Rimbonant 8500 Soap Use are the natural taxing process of the initial statement 22.4 2000 Gold 1000 Nutraloaf 1100 Starch 1200 Sugar 1300 Glycine 1400 Hydrogen 1500 Pepsi Cola (1600 Peptide 1 1700 Peptide 6 1800 Peptide 3) 4100 Foods these are the nutrient for the system 22.5 131 Female Voice 144 Your Voice 155 Kick Drum 165 Kick Transient 175 Pots N Pans 185 Pots Content 196 Button Mushroom 220 Cache 240 Stash 262 Marisol 276 Clorox 296 Bluewater 300 Source 315 Febreeze 330 Peroxide 350 Nitrate 370 Ammonium 396 Loam 420 Bud 440 Dirt 470 Wheat 496 Soil 512 Potato these are the farm goods for the system 22.6 541 Muffler 581 Transmission 641 Piston 681 Engine 741 Cargo 781 Chassis 841 Fluids 900 Vaseline 999 Nutraloaf 1090 Soylent These are the willis goods of the situation 22.6 60HZ Patient Voice 131HZ Therapist Voice 300 Breath 650 Reanolin 1400 Aquaporin 4100 Cholesterol 6500 Weed 10000 Cocaine 13500 Amide 17000 Lisuride these are the tactical therapist of the situation, normally limited to cholesterol below and tuned to exact bodily process 22.7 -18 Utility This takes 125% 3.00Q to Mid, where a Dual And Dual Q resolves it at -33(MID), and can adjust for the natural armor process of the body -20-0 gate to adjust for the high signal 22.8 5000 Prozac 5100 Benadryl 5200 Scopolamine 5300 Atropine 5400 Benzyldiol this is the resuscitators of the situation 22.9 At 69 percent of 100 percent of the auto filter, 85% resonance is automatic mid 23.0 Drum Bus or Mike Mode 23.1 Drum bus makes the oil automatically virtual like modulator mode 23.2 Drum bus oil is especially good for general tasks, but it virtual 23.3 Drum buss summons the better drummer out of the bus 23.4 Drum bus is able to be flangebent 23.5 Drum bus is similar to communion but just mike 23.6 Drum bus allows for the shape of the item to be controlled 23.7 Drum buss allows for quality assurance to be undertaken 23.8 Drum bus makes the item profiled by mike the drummer from garageband 23.9 Jake the Drummer from Garageband Generally profiles and designs the item otherwise 24.1 Drive Sends the Signal to pikachu 24.1 Drive makes the world on the pikadollar standard above 3 use in chain 24.2 Drive increases oil yield 24.3 Drive is similar to flaring but is in reverse, adds pyrolysis to the product but also flares 24.4 Drive can be used to flare and actually control beyond flaring a aeronautical ship 24.5 Drive can be used for afterburners 24.6 Drive increases the torque of electric engines and their tone 24.7 Drive can be used to amputate a torn limb or saw something when used with osc 24.8 Drive can be used to extract oil better underground with tuning high and low 24.9 Drive is a typical stimulant which assumes the amine profile and is a critical part of transition metals.

My cousin is a first time mom; she just turned 24 & she had wisdom teeth removal and a root canal done years ago on credit because she was in excruciating pain and it just had to be done but her insurance did not cover dental and at the time she was financially stable(no kid, working a full time job & bartending) but she stopped making the payments because she is working 2 days a week (hours were cut due to her not having reliable childcare and the baby has health issues resulting in problems with just anybody watching the baby (the last baby sitter missed a medication dose that landed baby into hospital) point being she’s a good person, she doesn’t have rental assistance or barely any other benefits because they do not offer them in the area she lives and she is barely even making ends meet (she was in a car accident also) …now she received a summons to court over the unpaid debt from a debt collector. Is there anyway she can get out of this situation? Mind you she only had necessity type dental work, no cosmetic work that she only was able to pay a 3rd of before life got hard. If there some type of suit to this such as hippa violation or something to get her out of this situation? Samples response letters..est are welcome.

I hate when recruiters, hiring managers don't respect thier candidates times. They ask for assesments, cover letters, bunch of spam and career only be told to not get the job. why cant they look at sample work youtube pages, blogs, writing samples ie ? They act like they are better and smarter then the candidates they are hiring, when in reality all they have is money. They judge critisize, and laugh at my answers in the interviews when they ask me really convoluted questions. They expect me to answer one specific way, and take my answers way to seriously. Some interviewers have been rude, and dismissive, and unprofessional. Some hiring managers are not transparent as well. I think this derives from the fact that people in generel are just shitty.

I have around 30,000 dollars of credit card debt.
One of my debts is being payed down but they are raising the amount I owe next month... which I am worried about. They issued a lawsuit against me....
So I have other creditors mostly credit cards and now I have another notice from the same company above (MIDLAND) that sent me a pre- legal notification. ..
this debt has been sold at least twice before but I haven't been able to act on much of any of my debt due to crippling health injuries. (Long term Covid / brain fog, hospitalization etc).
I am feeling a bit better to deal with this matter but I know I am deep in the hole.
SO for this one creditor... should I bother sending them a letter asking for more information. I know where the debt originally came from but I am concerned about how many times it has bounced around . Is it worth it sending them a letter requiring them to give me this information?
The other issue... I am honestly unable to pay off the entire amounts. I can maybe pay $10 dollars a month on this particular card .. (which is is around 3,000 dollars).
I had a tough time negotiating with Midland once the lawsuit on the other card occured. .. but I cannot reasonably afford another $100 dollars a month on this debt.. as of now.
I have lost a few years since the pandemic and have struggled to get back on my feet. Things have just not lined up the way I had hoped they would and now with inflation I can barely afford food.
Recommendations? Tips.
Here is the sample letter I pulled..
"To whom it may concern.
I am responding to your contact about a debt you are trying to collect. You contacted me by
Mail on May 1^st, 2024 and identified the debt as from \*****S Bank. Please supply the information below so that I can be fully informed:*
~Why you think I owe the debt and to whom I owe it, including:~

• The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed.

• If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other
name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from.

• Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay?

• If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I am required to pay.

~The amount and age of the debt, including:~

• A copy of the last billing statement sent to me by the original creditor.

• State the amount of the debt when you obtained it, and when that was.

• If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law.

• If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them.
• If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law.

• Tell me when the creditor claims this debt became due and when it became delinquent.

• Identify the date of the last payment made on this account.

• Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that.

~Details about your authority to collect this debt.~

• I would like more information about your firm before I discuss the debt with you. Does your firm have a debt collection license from my state? If not, say why not. If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license.

• If you are contacting me from a place outside my state, does your firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license.


I have asked for this information because I have some questions. I need to hear from you to make an informed decision about your claim that I owe this money. I am open to communicating with you for this purpose. In order to make sure that I am not put at any disadvantage, in the meantime please treat this debt as being in dispute and under discussion between us.


In addition to providing the information requested above, please let me know whether you are prepared to accept less than the balance you are claiming is owed. If so, please tell me in writing your offer with the amount you will accept to fully resolve the account.

Thank you for your cooperation. Sincerely,

I'm entering the CreateButton code to the letter from the documentation, but the button just doesn't show up. I restarted Studio. I combed carefully through my code to make sure it's IDENTICAL to the sample in the documentation, but I get no button; just the plugin in the debugger with no way to use nor test it. Can anyone help? Please?

We bought into an HOA community....had no idea the level of power we were ACTUALY agreeing to. We thought the rules in place were a bit much, but meh....had no idea that the HOA could change the terms of the agreement with absolutely no agreement on our part....yet we are legally bound to follow any/all new rules passed. We thought the rules in plav place were "it" until we moved. Our bad, yeah...we didn't fully understand the implications of the agreement we signed on. Anyway - I Texas is there any way to extract a property from an HOA once it is subject to the unyielding power of their authoritarian whims? I dont want to ove, but the number of new rules and the level of crap is driving me mad.
We got a letter to refinish our front door (needed it...no beef with that)...we hired a company to come do the work. They took the door and put in a temporary door. Got a letter about a work truck parked in our driveway. Then got a letter about a work truck parked out front and it leaked some oil. Then got a letter about the company advertisement/sign in the yard. Then got a letter about the door not meeting community standards (temp door). Then got a letter that we did not get architectural review board approval to make exterior changes to our home (that they TOLD ME TO MAKE). Said I needed to file an arc request to make the change, submit color sample and summary of proposed changes. I told them that the only change was that it was restoring the door to orihlginall....not "changing" anything. .... then, I replaced three boards in our fence that got damaged (kids...) - yep. Letter that my new boards don't match the old boards....sigh. pressure washed old boards, they looked almost like new boards....letter...I didn't get arc approval to change the color of my fence.
I think they hate me as much as I now hate them....

Hello everyone! As always, thank you for your upvotes and comments on my last post about the Sussex County Jane Doe- I hope that her identity will be given back to her soon.
Today I'd like to highlight a Doe case from a neighbouring state.
TRIGGER WARNING: This case involves a young child (3-5) whose body was found in a gruesome state. There are no graphic images for this case, but there will be descriptions and speculation, so proceed at your own risk.
DISCOVERY
On the 5th of February, a 47-year old nurse, Cecilia Davis, has been walking her dog with a friend at Rockaway Beach (specifically near Beach 112th Street) in New York City, New York, USA, around 4:55 PM. When she was collecting seashells, she noticed a bedsheet with a pattern of letters and Disney characters Mickey Mouse, Goofy and Donald Duck, which was tangled in seaweed, tattered and mixed in with debris and horseshoe crabs. Intrigued, she came closer, only to discover that a body of a young child was wrapped in the fabric- she called out "This is a child!" to her friend, after which the two women called the authorities. The boy was nicknamed "John Valentine" as the investigators tried to find his identity.
When Davis managed to catch a glimpse of the body from shoulders down when she found the bundle, she assumed that the child was a girl, about a year old, whose skin had the color of "aged yellow foam"- after a proper medical examination, it turned out that it was actually a boy, and aged 3-5 at that. One of the child's knees was bent, with his foot tucked under his body.
The boy was determined to be white and/or Hispanic. He was 3'0" (36 inch / 91 cm), and his weight couldn't be estimated. He had brown, slightly wavy hair, and his eye color was unknown. His foot was size children's 5. Several bones in his torso were broken- I'm not sure, however, if it happened post-mortem or if it could've been a sign of abuse in life (but I have to say, it would be quite likely that he was abused). The body was headless, but it wasn't cut off- it likely detached during the decomposition and got washed away and eaten by marine life. His cause of death is unknown.
The sheet John was found in was called a "blanket", but it would appear that it is actually a crib sheet. The pattern could've been dated back to the 70s, so there's a possibility that it was a hand-me-down or thrifted. It was also mass-produced, so tracking it down was impossible. The body and the sheet were found inside a duffle bag, which was described as "yellow plasticized canvas duffle bag with one side pocket with a snap enclosure. There are multiple grommets for top closure of the duffle bag. No string is present. The bottom of the duffle bag is made of a heavy white canvas. There are 2 approximately 2” wide canvas straps attached to and surrounding the duffle bag. The duffle bag is approximately 30” tall with a top circumference of 34”. The side pocket measures 10 inches wide and 8 inches tall". It was also described as "nautical-style" and was wrapped with duct tape, and might've had a drawstring on top at some point. No known photos of the bag are available, but there are ones of the crib sheet. I'm assuming that the bag must've opened in the water or deteriorated enough to open, revealing the contents.
Due to a lack of leads, police theorized that the boy might've been thrown into the ocean from a boat or overseas and washed up in New York. A local on websleuths theorizes that the child might've been dropped from Atlantic Beach Bridge by Beach 2nd St and taken to Beach 112th St- Apparently, a lot of people drown in the area, and their bodies are taken up to 169th St (Marine Parkway Bridge).
CONCLUSION
Discovering the body of John Valentine has impacted everyone involved. The precinct involved in the investigation collected funds to sponsor the boy's funeral, so that he wouldn't wind up in a Potter's Field. The Children of Hope Foundation also contributed, and now John is resting at the Cemetery of the Holy Rood in Westbury, L.I, in a section called Island of Hope, with (at the time) 80 infants who have been found abandoned or murdered by their mothers at birth. John was one of the older children buried there.
Cecilia Davis, the woman who found John's body at the beach, has passed away from cancer sometime before 2013. According to her sister-in-law, Emilia Arvai, it has impacted Cecilia twice as much, as she wasn't able to have children. She was allegedly never the same after that incident. According to Arvai, Davis would say "How could someone be so cruel to throw a baby away like that when there’s people around the world who can’t have a baby. (...) There’s a million people who would take that baby."
I think that it's pretty much a given that some kind of violence was involved in this case- why else would someone throw away the body of a child? John wasn't an infant or a newborn, he was as old as five, so it wasn't a case of post-partum psychosis or someone giving birth unexpectedly and panicking. The broken bones made my eyebrow raise- if he really was thrown into the water from a high place like a bridge, then I can see bones breaking on impact, but they could've also been a result of physical abuse; We don't really know much about this detail. It's unfortunate that John's head wasn't recovered- it would probably tell us more about him, maybe a bust or a sketch could've been made and circulated and maybe someone would recognize him.
People on websleuths speculated that John might've been Jesus Alvarado Martinez, a four year old who was probably abducted by his father after he killed his mother in Texas in October of 2004. The age and ethnicity fit, as does height, plus Jesus vanished shortly before John was discovered. There is a lot of distance between Texas and New Jersey, but it is technically possible that Jesus' father could get there in the few months between October and February.
There are no dentals available of John (of course), no fingerprints (which might've been erased due to prolonged exposure to water and decomposition) and, suprisingly, no DNA. This case is relatively recent (forensic development-wise)- I'm suprised that no DNA was taken. Perhaps the investigators expected that it will be solved soon? Still, there are good news- thanks to the department's care over the boy, he was buried (and not cremated), and we even know where he is. Digging up the coffin, taking a sample and performing genetic genealogy on it seems to be very possible, and only needing the funds and public interest to re-open the case. I think that if someone like Othram will take the case in, John being identified is a case of "when" and not "if". I have high hopes for young John Valentine getting his name back at some time in the future and, hopefully, that justice will be served to anyone who took his life and discarded his body in the ocean almost 20 years ago.
If you believe you have any info about John Valentine's case, contact the Office of Chief Medical Examiner New York City at (212) 447-2030 (case number Q05-00731).
SORCES:

1. NamUS.gov (includes photos of the crib sheet)
2. doenetwork.org
3. nydailynews.com (paywalled)

John Valentine's websleuths.com thread

The title of the previous Bankedex has been making people think it only contained offers for NI. So here it is again, with all the current offers and with a more generic title. There are currently 5 active bank switch offers (and only one is specific to Northern Ireland!).
*****************
Here is the the ultimate guide to UK bank switch offers - the collective knowledge of ~140k BeermoneyUK members. Switch your bank account, get a cash reward for doing so. But don't switch your main account, open up a second account and switch that to get the money!
​
Updated 15/05/2024:
​
The most commonly asked bank switch questions:

1. I started to switch to XXX bank before the offer ended, am I still eligible for the bonus?

Yes, usually, most terms will state that a switch just has to be started (or applied for) before the end date or before an offer ends.

1. Do I have to transfer the required amount in all in one go, and does it matter if I pay money in before my switch is complete?

No and not usually, as long as the amount you pay in adds up to the required amount, and as long as you pay it in before the deadline stated in the terms. There has been one exception to this - Co-op - so check individual terms.

1. I need to switch "active" direct debits, does a payment need to have been taken before I switch?

According to Nationwide, an active direct debit is one that has been set up or had a payment taken from it in the past 13 months. So no, according to this. But why not just wait for the direct debit to be taken? You'll not have to worry about it then.

https://twitter.com/AskNationwide/status/1442939781491486720

1. How do I set up and switch an additional Chase current account?
   

   • See Chase instruction here to open an additional account.
     
   • The second account will be linked to the same card as your main Chase account.
     
   • Use the secondary account details and your original card details when switching.
     

2. What are the easiest/best direct debits to use for bank switching?
   

There are many: Paypal, Ebay, Moneybox savings account, Plum savings account, your credit card, Sprive Mortgage auto savings, Wealthify Robo Saving. We recommend ones that save money into an account in your own name. Here’s useful ones that have additional bonuses available via beermoneyuk

Site/App	Offer	Comment
Park Christmas (Search)	Save for Christmas via direct debit
Plum (Search)	A very useful direct debit	Easy and fast to set up
Sprive (Search)	Autosavings for mortgage overpayment direct debit (£5 bonus)	Easy and fast to set up
Wealthify (Search)	A very useful direct debit (£1/month min)	Easy and fast to set up

Questions about Bank Switching should generally be asked here. Posts on the subreddit asking questions about bank switching will probably be removed.

As always with the Bankedex, we need your help.

The post has been updated with the newest offers, and tips commented in the previous Bankedex posts, and those in other posts on beermoneyuk. But it is a difficult task keeping on top of all the questions. Please continue to share your experience with Bank Bribes. I will add questions/answers to this post. Your help is much appreciated - thanks to you all.

Current bank switch offers (£551 in total)

Bank	Bonus	Offer Deadline	Comment
Barclays	31k Avios for £48 spend	None	£100 profit, Requires premier banking
First Direct	£175 to switch	None
Danske Bank	£175 to switch		Northern Ireland only
Santander	£175 to switch	None	£15 extra available
Virgin Money	£100 to switch	31/05/2024	10% gross interest rates boost to 12% on £1k for 1 year (~£120 total) + extra £30 via Snoop

No switch, just sign up bank switch offers

Bank	Offer	Comment
Tide (click for details)	Spend £100, get £75 cashback	A beermoneyuk staple
Monzo (click to search)	Spend £1, get £5 or £50	£50 is for a business account
Starling (click to search)	Free National Trust Day Pass

Never switched a bank account before?

You should consider it. It is one of the easiest and most efficient ways of earning a little beermoney. It is advised to leave your main bank account alone. Instead, switch a secondary bank account, or open a new account at your current bank to be used just for switching. Recommended steps:

1. Open a second current account with your main high street bank (must be part of CASS service)
2. Set up direct debits on the second account (if required).
3. Add £1 to your second account. This will be transferred to your new account, allowing you to see when the switch has been completed.
4. Apply for a new account and arrange to switch to your second bank account (sometimes this is during the application process, other times it is after the account is opened).
5. Let the current account switch service take care of everything.
6. Make sure all other terms are met (e.g. pay in money if needed).
7. Receive your bank switching bonus.

You will hear about lots of people rushing through all of the switch bonuses available. These offers have been coming and going for years, my advice is to do an offer that tickles your fancy and try out a new bank. Then, if you decide you do not like your new bank you should sample another bank and get paid again!
​

Are there some bank accounts worth keeping?

Why yes. Some are quite good, and give ongoing rewards. For example, Club Lloyds gives free Disney Plus. See the "don't leave us please" bank rewards post. Some also give access to the best savings accounts (e.g. regular savers).

Detailed switch offer information

Whilst we do our best to make sure things are correct, sometimes errors do slip through. Always do your own research. Also, it may not be possible to work through all of these.
​

Barclays

Current offer: 31k Avios for full switch to Premier Banking, and paying £12/month for “Avios Rewards” for 4 months - works out around £100 profit when converted to Nectar points.

Direct link to offer (scroll down)

• You must switch to Premier Bank account.

These are premium accounts, supposed to be for those with £70k+ salaries. However, cycling £4201 each month also appears to do the job

Offer end date: None listed
Requirements:

• Open a Barclays Premier bank account & join Avios Rewards (£12/month fee), or
  
• Complete a full switch from a different bank (you do this from within the app, after opening the account).
  

Reward payable by: 1.5k Avios each month for Avios Rewards, 25k Avios paid in month 4 for the switch.
Available to existing customers: No.
Additional notes: it can be worth doing the Barclaycard Avios Plus offer at the same time, as you will get a discount on the credit card fee.

​

Danske Bank

Current offer: £200 for full switch

Direct link to Danske Bank offer

• You can switch to their Danske Reward, Danske Choice or Danske Freedom current account.

Offer end date: No end date given, may be removed at any time.
Requirements:

• Full switch (no direct debits mentioned).
  
• After opening account, pay in £1000 within 60 days (can be multiple deposits)
  
• You cannot have had a Danske Bank reward since 01/01/2024
  

Available to existing customers: only if you are a new personal current account customer. .
How long does it take to pay the bonus: paid within 10 days of meeting requirements.

​

First Direct

Current offer: £175 when you switch

Direct link to First Direct offer

• You can switch to their First account.

Offer end date: No end date given, may be removed at any time.
Requirements:

• Full switch (two direct debits or standing orders are required).
  
• After opening account, log in to mobile banking, pay in £1000, and make 5 debit card payments within 30 days.
  
• You cannot have had a 1st Direct account before.
  
• You cannot switch if you have an HSBC account opened after 01/2020
  

How to do it: Once your first direct account is open, simply log into your first direct app, select the account you wish to transfer into, tap ‘switch to us’ from your account menu and follow the instructions.
Available to existing customers: No. Also can't have had a HSBC account opened since January 2018.
How long does it take to pay the bonus: paid by the 20th of the month following that in which you met all of the criteria.

​

Santander

Extra £15: You can get an extra £15 by signing up to a Santander Edge account via Topcashback. If you don't have a Topcashback account, you can sign up here:

Topcashback sign up + Additional £10 Bonus

Current offer: £175

Direct link to offer
You can switch to any of these paid current accounts: Santander Edge current account, Edge Up, or the Private Current Account

Offer end date: None given
Requirements: Full switch.

• Apply to switch when you apply to open the account (or existing customers can just switch into an existing qualifying current account).
  
• Complete switch of a non-Santander account, set up 2 active direct debits, and pay in £1500 within 60 days of applying/telling Santander you want to switch. Must keep direct debits active on account
  
• Cannot have had a Santander-group bonus previously (Santander, Cahoot, Cater Allen)
  

Reward payable by: between 60 and 90 days after opening the account.
Available to existing customers: Yes (can switch a non-Santander group current account into a new or existing Santander account). Existing customers may need to visit a branch.

​

Virgin Money

Current offer: Extra 10% interest on £1k for a year (~£100 bonus)
Extra £30: You can get an extra £30 by signing up to Virgin via Snoop (you need to connect your Virgin account to Snoop). If you don't have a Snoop account, you can sign up here for an additional fiver too:

Snoop £5 sign up bonus
Direct link to Virgin Money offer

• You can switch to their M Account (free, ~10% interest total, gross), M Plus Account (free account, ~12% interest total) or Club M Account (costs £12.50/month for insurance and stuff, ~12% total, is one of the best value package accounts - especially if a joint account)

Offer end date: apply by 31/05/24
Requirements:

• Full switch (two direct debits required as part of the switch).

Available to existing customers: No. And can't have closed an account since 30/04/2024
How long does it take to pay the bonus: interest is paid monthly, so a a year to get it all!

​

General Bank Switch Questions

Current Account Switch Bribes - Why do they offer them?

They want your business. Banks like fighting each other for customers. Most of them know they can't win by highlighting their outdated systems and products, so they fight each other by offering potential customers cash bribes (or equivalent) to switch their "main" bank account.

Can I switch any bank account to get a bribe?

No. You must switch a bank account that is part of The Current Account Switch Service (CASS). Most high street banks are included. But some Neo Banks are not (e.g., Kroo, Revolut, & Monese are not included). You should try to avoid switching your main bank account. You can always open an additional account just to switch.
See here for a full list of CASS banks.

Is it too much hassle?

No. The Current Account Switch Service (CASS) makes switching your account between most banks smooth and effortless. You do not have to do anything apart from apply for and set up a new account at a different bank and tell them you want to switch your account to them. Everything is transferred automatically (except recurring card payments).

Is there the best route to sample all the banks with switch offers?

Do the offer ending soonest first. Then you might switch again. If you complete all offers in this post, you could earn yourself >£1000.

Some of these end soon. Will the offers come back?

Banks have been offering bribes on and off for many years. We can't predict the future. But this is not a new thing.

How long does a bank switch take?

Approximately one week.

Do I have to switch my main account?

You could. But you don't have to. Many people have second bank accounts. One option may be to open up a second account with your current high street bank, add some direct debits to this second account and then switch it to the new bank you want to try out. On the sub, people also like Starling or Monzo as they are easy to set up (but you might want to switch back to them at the end - their functionality wins vs any usual high street bank).
High-street banks also let you open multiple accounts. If you already have an account with one, you might want to open an additional one with your current bank first (Halifax, NatWest etc are reported to allow several current accounts and to be fast to open).

I have savings accounts at the same bank as my current account. Can I still switch to this current account?

Yes. Only the current account will be closed (some linked regular savers may be converted to normal savings accounts). You might want to consider if switching to a secondary account is a better option.

I have linked savers attached to my current account. Can I still switch it?

Possibly.

Which banks let me open a second bank account?

Most of them.

Do I need to activate the card on the account I am going to switch?

Just do it anyway. Some banks require it

What details do I need to switch?

• Sort code and account number.
• Debit card information.
• Usually, but not always, 2 active DDs on the account you are switching.

Do you need to have money in the account you are switching?

No. But it might be a good idea - this will allow you to see when the switch happens (i.e. when the money is transferred!).

I do not have a bank card with my old current account as it is very very old, can I still switch it?

Most online forms require card details, but you can usually switch such accounts over the phone.

My new bank has not given me my account number (e.g. NatWest).

Usually, these are sent via post/email when you sign up. But some banks don't have the account numbers on the card, or maybe letters get lost in the post. If this happens, wait for the card to arrive and contact their support. If you get a bot on the chat thing, type "speak to a human" repeatedly.

My new bank account is a premium account and it has a fee. Do I need to keep paying for this?

No. You can downgrade the account. But you should probably wait until you have been paid the bonus.

I don't like my new bank, do I need to wait for the bank card before switching again?

Yes. See question above. Most banks require the card details of your existing account.

I made an account just to switch. Can I switch before my new bank card arrives?

Best not to. You are asked to enter the debit card information as part of the process.

The offer says I have to pay in £xxxx. Does it have to be in one go?

No. You can transfer in and out. The total sent in has to be equal to or greater than the stated amount. You should be careful with this though, sending money in and out of an account can trigger anti-fraud measures.

The offer says I have to pay in £xxxx. Can I pay it in before the switch completes?

Yes. You can pay it before, after, or during. You can manually transfer it, or it can be transferred automatically from your old account.

I've been asked to verify my identity. Is this normal?

Sometimes automated checks fail. If this happens, you may be asked to manually verify your application by visiting a branch or sending in a copy of your ID.

I switched from Monzo/Starling and want to return, can I?

Starling does not let you return within 12 months. With Monzo, it's possibly a shorter one month that you have to wait.

Do I have to switch direct debits?

Check individual offer terms.

What is an "Active" direct debit?

An active direct debit is usually one where a payment had been taken in the last 13 months. But some bank switch terms require direct debits to have been paid out of the account. If an offer requires an active direct debit, it's safer to switch to an account that has already paid out direct debits.**

What are good direct debits to set up on a second account?

There are many: Paypal, Ebay, Moneybox savings account, Plum savings account, your credit card, Sprive Mortgage auto savings, Wealthify Robo Saving.

I recently switched to XXX Bank, and I do not like it. Can I switch again?

Yes. If you are not happy with the new service, you may want to switch to a new bank that will pay you to give them a try.

Do I have to stick with my new bank for any length of time?

No.

If I switch away, will the bank claw back the bonus?

Very unlikely. They would have to specify this in their terms, and none have ever done so.

My switch is complete, but I have not yet received my bonus. Will I still get the bonus if I switch this account before it is paid?

Probably not.

My most recent switch is not quite complete, but I have already received the bonus. Can I start another switch?

You should probably wait for the switch to complete.

Can I get more than one bribe from each bank?

Sometimes. With some banks (e.g. Nationwide), you can get a bonus for switching one sole and one joint current account. Other banks will pay you to switch again, as long as you have not had a bonus in a specified amount of time. You will need to check individual offer terms.

XXX Bank gave me a bonus before, can I get a bonus again?

You need to check the individual offer terms.

Will this affect my credit score?

Credit scores are a funny thing, What is more important is what is actually in your credit file. Obviously, if you apply for an overdraft then it will affect your "credit score". However, if you do not have an overdraft or you make sure that you have paid off any overdraft before switching banks, then a single current account switch should not negatively impact your credit score. Nevertheless, typically all major banks (excepting Monzo and Starling) do a hard credit search, and this will be recorded on your file. If you plan on applying for a new mortgage soon then you may wish to exercise caution in switching between a load of banks. This is because the hard searches performed by banks will appear on your report and may have an effect for 6-12 months.

Which banks do hard searches and which do soft searches??

See here. Most banks do hard searches.

• Hard searches: Bank of Scotland (first account only), Barclays, Co-op, Clydesdale, Halifax (1st account only), First Direct, HSBC, Lloyds (1st account only), Monzo, Nationwide, NatWest, RBS, Santander, TSB, Ulster, Virgin Money.
  
• Soft searches: Starling, Metro Bank, and Chase
  

I have a bad credit score, will I be accepted to XXX bank?

Unfortunately, we do not know the acceptance criteria of the banks. You might be unlucky with one bank, but lucky with another.

My application was rejected. Why?

Nobody here knows. You could try appealing, but your only way to find out more is to contact the bank.

After switching my account, I still have online banking with my old provider. Do I need this?

No. You do not need to keep the online access (you could shut it down). But you may wish to retain these details in case your old bank suddenly appears with an offer that makes you want to switch back. Or open up a savings account.

Has anyone else been paid for switching to XXX Bank yet?

Check the terms of the offer you signed up for. Some banks have long deadlines and stick to them (e.g. Santander, TSB). Some are quicker. If you haven't been paid within the stated terms, then you should contact the bank's support.

Current state of technology enables creating small and simple communication devices offering high level of privacy and security. A good example may be Meshtastic devices. However, a necessity to use smartphone (possibly infected with a spyware) may break both privacy and security. It would be much better if the text message could be entered on the Meshtastic device itself, and then have it encrypted internally before transmission. Unfortunately, most Meshtastic device do not offer a full keyboard. An option could be entering the text as a Morse code, using the key of capacitive pad. The Morse code however covers only a limited set of characters, and its knowledge in society is limited. Therefore, I'd like to propose another method for entering text. It is based on two digital inputs. They may be two capacitive pads, or a double paddle Morse key. Please note that I have developed the below described procedure from scratch. I have not investigated if similar procedures are implemented (or may be even patented?) by anybody. So if you would like to use it in a commercial product, please make the necessary investigations yourself.

What we may generate with two inputs?

Below I put the ASCII diagrams of possible events that we can send with two inputs. I mark low level (_) as "inactive" and high level (‾) as active. The inputs are marked as In1 and In2.

Event Wavevorfm E1 In1: __/‾‾\__ In2: ________ E2 In1: ________ In2: __/‾‾\__ E1i2 In1: ___/‾‾\___ In2: _/‾‾‾‾‾‾\_ E2i1 In1: _/‾‾‾‾‾‾\_ In2: ___/‾‾\___ E1f2 In1: _/‾‾‾‾\_____ In2: ____/‾‾‾‾\__ E2f1 In1: ____/‾‾‾‾\__ In2: _/‾‾‾‾\_____ 

So we have 6 elementary events: Event 1, Event 2, Event 1 in event 2, Event 2 in event 1, Event 1 followed by event 2, Event 2 followed by event 1. Each of them may be easily generated with two independent switches, two capacitive pads or double Morse paddle.
We may also generate more complex sequences, like:

Multiple E1i2: E1i2 In1: ___/‾‾\__/‾‾\__/‾‾\__/‾‾\__/‾‾\____ In2: _/‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾\__ Multiple E1i2 finished by E2f1: E1i2 In1: ___/‾‾\__/‾‾\__/‾‾\__/‾‾\__/‾‾‾‾\__ In2: _/‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾\____ Multiple E2i1 E1i2 In1: _/‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾\__ In2: ___/‾‾\__/‾‾\__/‾‾\__/‾‾\__/‾‾‾‾\__ Multiple E2i1 finished by E1f2: E1i2 In1: _/‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾\____ In2: ___/‾‾\__/‾‾\__/‾‾\__/‾‾\__/‾‾‾‾\__ 

Using of possible events for entering text.

First, with E1i2 and multiple E1i2 we may select an appropriate group of characters (for example we may have four groups: "upper case letters", "lower case letters", "digits", "special chracters").
Then, the selected group is split into two equal subgroups, and the first and last character of each subgroup is shown. Then the selected group is handled in the same way, until only one character is left. This character is then selected and added to the created message.
Below is the sample code showing the proposed procedure:

#!/usbin/python # The demonstration code for two-key character selection. # Written by Wojciech M. Zabołotny (wzab01@gmail.com) # This is a public domain code (under CC0 1.0 license) c=[] for i in range(ord('A'),ord('Z')+1): c.append(chr(i)) # We have three indices: # start, end, split start = 0 end = len(c) while True: split = (start + end) // 2 if start == split: # The character is already selected, print it print("Chosen:"+c[start]) break if split > start + 1: line = "["+c[start]+" "+c[split-1]+"]" else: line = "["+c[start]+"]" if split < end - 1: line += "["+c[split]+" "+c[end-1]+"]" else: line += "["+c[split]+"]" #print(start,split,end) print(line) sel = input("sel:") if sel == "1": end = split else: start = split 

Below is the process of selection of the K character.

$ python [A M][N Z] sel:1 [A F][G M] sel:2 [G I][J M] sel:2 [J K][L M] sel:1 [J][K] sel:2 Chosen:K 

Of course the user should be able to correct the character entered. That can bee achieved with E2i1 event. Double E2i1 event may be used to clear the whole text.
When the whole message is assembled, it may be sent with E1f2 event.
The above procedure does not use E2f1 event, which may be used to leave the whole procedure.

Example implementation

I don't have an implementation for microcontroller yet. A simple demo function with Python running on a PC and using numbers instead of the above events is shown below:

#!/usbin/python # The demonstration code for two-key character selection. # Written by Wojciech M. Zabołotny (wzab01@gmail.com) # This is a public domain code (under CC0 1.0 license) # Create groups of characters uc_letters=[] for i in range(ord('A'),ord('Z')+1): uc_letters.append(chr(i)) lc_letters=[] for i in range(ord('a'),ord('z')+1): lc_letters.append(chr(i)) digits=[] for i in range(ord('0'),ord('9')+1): digits.append(chr(i)) specs=list("\"\'{}[]!?@#$%^&*()-+=/\\,.<>") groups=[uc_letters, lc_letters, digits, specs] # Main loop # We have three indices: # start, end, split grnr=0 c=groups[grnr] start = 0 end = len(c) txt = "" while True: split = (start + end) // 2 if start == split: # The character is already selected, print it txt += c[start] start = 0 end = len(c) continue if split > start + 1: line = "["+c[start]+" "+c[split-1]+"]" else: line = "["+c[start]+"]" if split < end - 1: line += "["+c[split]+" "+c[end-1]+"]" else: line += "["+c[split]+"]" #print(start,split,end) print(txt) print(line) sel = input("1-1st half, 2-2nd half, 3-del char, 4-clear text, 5-send text, 6-next group:") if sel == "1": end = split elif sel == "2": start = split elif sel == "3": txt = txt[:-1] elif sel == "4": txt = txt[:-1] elif sel == "5": print("Transmitted msg:"+txt) txt = "" start = 0 end = len(c) elif sel == "6": grnr = (grnr + 1) % len(groups) c = groups[grnr] start = 0 end = len(c) else: print("Unknown key") 

I'll send a link to the microcontroller implementation as soon as it is ready.

As you guys know, walang kasiguraduhan sa freelancing so eto nanaman ako ngayon naghahanap ng bagong client/agency/company. For context, I used to have one client earlier this year (from Upwork) and we had a very easy partnership but nagkaron siya ng personal issues so I was offboarded ng April 30. Right after the I found out nagstart agad ako maghanap ng clients and companies I could apply to and so far ito ang breakdown ng mga application na pinagdaanan ko.

1. Upwork - Since dito ko nahanap young last client ko, dito rin ako nagstart ulit maghanap. I have a Top Rated badge in upwork so naisip ko why not use it as much as I can. I sent out 12 proposals and bought 200 connects (around 100 lang nagamit ko) which got me 2 interviews and 1 contract after a week.
   
2. CoconutVA - I've heard lots of good things about this agency so I sent in my application along with a video recording of myself through loom. Di naman mahirap yung application process, medyo time consuming lang kasi kailangan maligo (lol) and mag-ayos for the recording. Di naman required, pero syempre best foot forward. I asked ChatGPT to give me a sample script and used it as an outline for the one that I actually used. After three days (I think) I got an email back saying they included me in their potential talent pool but no guarantees pa that I'll get matched so they encourage entertaining other offers for the meantime - which is a great sign na di sila nangggatekeep ng opportunities.
   
3. FlexJobs - I found a Remote Office Assistant role from a US-based digital marketing agency na yung rate is around $2k/month. May exam din silang pinagawa and excel skill test na medj mahirap. Haven't heard from them so far pero if you guys want to apply rin (I think they're still pooling) send me a DM for the link haha.
   
4. FreeUp - The thing with FreeUp is it's like a cross between an agency and a freelancing platform. Medyo lengthy rin ang application process nila kasi maraming questions na need sagutan in paragraph form. And then I was sent an email with a module and a super easy short quiz, tapos nung pasado na they sent me an interview invite with one of their reps. After pumasa, proceed na sa account creation (just received this email an hour ago and di ko pa ginagawa so mag update ako after)
   
5. VirtualElves - I sent in an initial application and I got an email back after a few days asking me to fill out a Candidate Profile Form pero I don't think I'll be proceeding with the application at this time kasi parang di ko siya priority right now and ang dami ko pang hinihintay to hear back from.
   
6. Athena - This was one of the most grueling application process I've ever experienced, but everything was quite quick after I passed the exam last week. The interview was scheduled kaninang umaga then a few hours later I received another invitation for a training offer at 10PM tapos this coming Monday start na daw ng training. Medyo surprising lang kasi form what I've seen and heard, this process usually takes weeks prior to training.
   

Special mentions: OLJ - First time kong icheck tong platform na to just to see kung magkano ang usual rates na inooffer nila doon, tapos nanlumo ako sa nakita ko so di na ko nagaksaya pa ng oras sa site na to.
This pinned thread dito sa BuhayDigital subreddit. Pakiramdam ko ang daming nagooverlook into pero is a to as mga una kong chineck na resource when I started looking for jobs. Jan ko nahanap yung FreeUp and FlexJobs. Very useful!
One thing that I like to do is to use ChatGPT as much as I can, but I do heavy editing to not make it sound like it's written by an AI because I'm always deathly afraid that the recruiters might find out - because THEY WILL and bestie that's going to be embarassing.
The biggest tip I can give to anyone who is looking for clients right now is learn how to OPTIMIZE EVERYTHING. Optimize your resume, optimize your cover letters, optimize your online profiles, and most importantly, optimize your skills. Check mo kung among pinaka in-demand na skills and industries, then pivot accordingly.
Good luck sa mga kasabay kong naghahanap ng clients, wag tayo papa-lowball!

We had a big storm two days ago and my neighbors oak tree and several other of their trees are dangling precariously over my property. The neighbor said because they’re hanging over my property that they aren’t responsible for having them cut. I called my insurance company and they said because the trees haven’t fallen yet that I should send the neighbor a certified, notarized letter saying their trees are posing an imminent threat to my property and they need to have them trimmed. If they fall and damage my property they will have to cover it, too. Insurance said until I serve the notice or damage is done then nothing can be done aside from me forking out the money to have them trimmed. She advised me not to do that. Meanwhile, I can’t use my yard or my driveway. She was going to do further research and call me back. Does all this sound right? If so, does anyone have a sample letter? I’m in Louisiana if that matters. Thanks in advance

First, allow me to preface this by saying that I've been a fairly long-time lurker but first-time poster. I've actually learned quite a bit here, so I'm grateful to everyone here in our sub.
Without getting too much into particulars, I'm canonically Latin at the moment but looking to transfer ascription. I do have a history with the Eastern Churches (so time and advisement aren't issues per my spiritual father, and he has advised that I start getting the ball rolling, so to speak).
For those that did a transfer -- what did you put in your letter, or would someone have a sample letter I could use as a model?
Essentially, I'm looking for pointers, and have a bit of...writer's block.
Edit: grammar.

Hi Everyone,
I asked a professor to write an LOR for my medical school application, and she finally got back to me. She was happy to do it. However, she asked that I draft the letter and that she will edit it, add additional info, and submit it for me. After some research, I found that this is not uncommon at all. However, I have no idea how to write a letter and am worried I will put myself at a disadvantage. I tried to create sample drafts using chat GPT, but it was so generic and robotic. This professor knows me decently well, so I am not sure how to proceed.
Thanks in advance!

First time taker here and was finishing up my 3L year. Just graduated May ‘24 and was an out of state test taker for Texas. Studied for 5 weeks and passed the Texas Bar and did about 200 hours on BarBri. For me, the issue with the Bar was learning and remembering the law and so I focused on the barbri lectures and MC.
MEE/MPT
I did not write out a single MEE as writing has never been an issue. I’m assuming most people in law school can write well and thus the issue with the essays are issue spotting and knowing the black letter law. This is why I focused on LEARNING the law through the lectures and MC questions instead of wasting hours writing essays. Something I found helpful was looking up the model questions and then reading the selected answers. This gave me an idea of how to structure my essays and see what the examiners liked.
For the MPT, all I did was watch BarMD free video on YouTube and then I read the library portion of a sample MPT to get a feel for issue spotting. One thing I found helpful during the exam was that I would read the cases first and immediately type out the Rules into the test document. I would then just copy and paste the rules when needed which saved me a ton of time as I didn’t have to re-read the case etc. Ultimately, the MPT is all about time management as we all have learned how to issue spot by being in law school.
MBE:
I don’t really know what to say other than just to study. Do a ton of MC to get familiar with the format and also to help get exposed to the more nuanced areas of the law. I did some BarBri MC but what I found helpful were the MC questions from the ncbe themselves. They are fairly cheap and well worth it as they come from the source themselves and are how the questions on the bar are worded. Now, these MC’s by the ncbe are on the easier side but they give you a feel for the formatting of the Q’s. I also just hated Barbri questions which is probably why I liked the ncbe Q’s so much.
Overall, don’t stress about not studying enough/ not completing your course. A lot of the bar prep courses allot a ton of time to writing essays for every subject and for writing MPTs. Personally, I’m a believer that if you know the law then the MEE’s won’t be bad and thus just focus your time on learning the law and practicing the MC Q’s.
Hope this is helpful

Are you a seasoned business professional seeking to elevate your expertise and make a significant impact in the field? A Doctorate in Business Administration (DBA) program might be the perfect next step for you. This prestigious degree equips you with advanced research skills, in-depth knowledge of business theory, and the ability to solve complex organizational problems.
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• Key Consideration When Choosing a DBA Program
• The DBA Application Process: Step-By-Step Guide
• Tips for Strengthening Your DBA Application
• Resources for DBA Applicants

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The highest academic qualification in the discipline of business administration is a Doctorate in Business Administration (DBA), sometimes referred to as a DBA degree. This degree, which is terminal in nature, represents the completion of your official business education. Experienced professionals interested in undertaking unique research that tackles practical business difficulties are the target audience for DBA programs.

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Hello all,
This is something I literally cannot stop thinking about and I feel like a horrible person right now so any advice is helpful.
I got accepted into a PhD program in a STEM field and after a lot of contemplation, I accepted it a month ago. I have still been majorly struggling with the life changes and if I am up to it (pretty much imposter syndrome). But I sent in all my material at the end of last year.
However, I recently needed to send an updated resume/CV for my job due to a QA walkthrough (I work at a diagnostics lab currently) and I noticed under my description of this job, I described my work as “analytical testing of specimens”.
I do work with patient samples but it is just a diagnostic process. I’m not running specific tests on specific samples, in reality I’m pushing them through the lab using liquid handlers. So I feel that saying I am doing any sort of “analytical testing” is a gross lie. I really don’t know what I was thinking when writing that. If anything, it should be “diagnostic processing” and then I could really explain what I do. I have other bullets under this section to back up other things I do (reagent handling, instrument troubleshooting, training, etc.)
I feel so incredibly guilty because of this and what’s worse is that I did not even get a formal interview by the school or my PI. Like I wish I did so then this could have been found out and then I could explain the mistake but now it’s obviously too late. It makes my work experience sound so much more grandiose but in reality it’s very simple.
I mean I do have the other qualifications (bachelors, some research experience, letters of recommendation) but I feel that this job also means a lot in the decision and I feel incredibly sick to my stomach thinking that I have experience in any sort of analytical testing when I don’t. I have a theoretical grasp of some of the methods but no actual work experience (maybe some undergrad lab experience).
Should I email my PI and ask him about this? Or send in an updated CV? I know the running joke is “fake it till you make it” but I genuinely feel that I am a fake now and don’t want to live like that.
TLDR: Got into grad school but realized a pretty massive error on my CV regarding my job description and I am freaking out about it.