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Car Insurance Questions and Help

2016.11.14 21:06 JeremyBigsworth Car Insurance Questions and Help

Car Insurance Help: Shopping for car insurance or have some questions (including accidents or claims issues)? Ask other Redditors here. Read our guides for info to help your search for new car or other vehicle insurance.
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2009.02.09 03:42 Personal Finance

Learn about budgeting, saving, getting out of debt, credit, investing, and retirement planning. Join our community, read the PF Wiki, and get on top of your finances!
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2012.01.02 17:31 groceryalerts Personal Finance For Canadians

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2024.05.16 10:08 kikaya2 Avoidant ex thinking of giving it a second chance

I (33f) with secure / anxious attachments was dating my ex (38m) for 6.5 years. He has a avoidant attachment, I think fearful, but not 100% sure. We live(d) together for 5 years, in his country close to his friends.
We talked about children, moving away where I can find my circle of people etc, but it was always hard for him to put me first. I kept hearing about "loosing freedom" having to make "sacrifices", you know the drill. You also know that it was not him doing these sacrifices, but me.
He had all the freedom in the world, going on boys holidays, parties alone, and me travelling solo too. I always honoured his need for space and did the same for me (I am an introvert) and not demanding attention when away.
We were going to therapy 6 months before the break up and he was open to change. The therapy highlighted my will to work on things and his to shut down. The therapist said I am in love with the fantasy, when he is hot, but his real self is this shut down man.
Over 2 weeks ago, we had an "argument" about him not updating his CV for 6 months (needed in order for us to move) as we planned to move before summer and also him not communicating with me that he is thinking to start the process after summer. Mind you it's May already.
It resulted in him going away for 2 weeks, planning his escape from the relationship. When he came back, emotions came back, he was very loving and "unsure" again. Slowly he became more cold every day until Tuesday we had the last therapy session. I remained loving towards him to be his safe place. The therapist said maybe we can have time apart, but he said no, he is exhausted and we broke up officially.
I was giving it all until that point, but started putting all my energy into me straight after. We came home and he was sobbing a lot, I wasn't. The next day (yesterday) I started looking for new places to live and arranged a viewing on Saturday, moving in June. The apartment is everything I am looking for.
When I came home yesterday, he left me a note saying he left the house (I knew that already as we talked about him spending time with his friends since I have nowhere to go) but that he would like to give the time apart a chance and that he still loves me.
He doesn't know about my apartment lined up, he probably thinks he has time to be apart, but I don't. I would if he had told me a day before, at the therapy. I am not opposed to seeing things out later, but I don't want to "wait" for him AGAIN to make up his mind and losing this opportunity - I don't have friends I could stay with around and I am moving with a cat, which makes things harder.
I texted him I appreciate the note and can't give him any response yet, and he texted back he didn't expect any, that it will answer itself naturally.
Shall I make him aware of the apartment, that time is ticking or just go with my flow, move and deal with consequences later? We have furniture to sell, shared accounts, bill, insurances...
submitted by kikaya2 to BreakUps [link] [comments]


2024.05.16 10:05 Connecting-traveller The most important items to pack for a road trip

The most important items to pack for a road trip
Hitting the Open Road: Packing Essentials for an Epic Andaman Adventure (Forget Bulky Tour Package Checklists!)
The Andaman Islands are best explored at your own pace, allowing you to discover hidden gems and soak in the island vibes. Ditch the limitations of car-rental restrictions often found in Andaman Tour Packages and embrace the freedom of a road trip. But before you hit the open road, ensure you're packed for the adventure with these essential items:
Travel Tip: Research road conditions in the Andamans beforehand. Some islands might have limited paved roads, so packing accordingly is crucial.
Connecting Traveller
Essentials for a Smooth Ride:
  • Valid Driver's License & Vehicle Documents: Ensure your driver's license is valid and carry all necessary vehicle documents like registration and insurance papers.
  • GPS Navigation or Offline Maps: While mobile internet connectivity might be limited in remote areas, downloading offline maps on your phone can be a lifesaver. Consider investing in a portable GPS device for added peace of mind.
  • First-Aid Kit: Pack a well-stocked first-aid kit with essentials like bandages, antiseptic wipes, pain relievers, and medication for common ailments like motion sickness.
  • Car Emergency Kit: Be prepared for unforeseen situations. Include a jumper cable, a flashlight with extra batteries, a basic toolkit, and a hazard sign in your emergency kit.
Comfort on the Go:
  • Reusable Water Bottle: Stay hydrated throughout your road trip. Opt for a reusable water bottle to minimize plastic waste and save money.
  • Snacks & Cooler: Pack a variety of non-perishable snacks and drinks to keep you fueled up between stops. A cooler will help maintain the freshness of your food and beverages.
  • Sunscreen & Sunglasses: The Andaman sun can be strong. Pack high-SPF sunscreen and sunglasses to protect yourself from harmful UV rays.
  • Comfortable Clothing & Sturdy Shoes: Pack breathable clothing suitable for the tropical climate. Comfortable shoes are essential for exploring beaches, hiking trails, or navigating local markets.
Entertainment & Communication:
  • Car Charger: Keep your electronic devices powered up with a reliable car charger. Download audiobooks, podcasts, or playlists for entertainment during long stretches on the road.
  • Portable Phone Charger: A portable phone charger can be a lifesaver if you get caught in a remote area with a low battery.
  • Local SIM Card (Optional): If you rely heavily on mobile navigation or internet access, consider purchasing a local SIM card upon arrival for a more affordable connection.
Island Specific Gear:
  • Swimsuit & Beach Towel: The Andamans are all about stunning beaches. Pack a swimsuit and a quick-drying beach towel for refreshing dips in the turquoise waters.
  • Quick-Drying Clothes: Opt for quick-drying clothing like microfiber shirts and shorts, ideal for beach activities and unpredictable island showers.
  • Rain Gear: The Andamans experience monsoonal rains. Pack a light rain jacket and waterproof backpack cover to ensure a comfortable journey even during downpours.
Travel Tip: Remember, road trips are about flexibility and embracing the unexpected. Pack light and focus on essentials that allow you to adapt to changing situations. Consider laundry facilities at your accommodation to minimize the amount of clothing you bring.
By packing these essentials and ditching the rigid itineraries of tour packages, you can embark on an unforgettable Andaman road trip adventure. So, buckle up, hit the open road, and discover the hidden gems and captivating beauty of the Andamans at your own pace!
submitted by Connecting-traveller to india_tourism [link] [comments]


2024.05.16 10:04 Lanky-Breakfast-3961 How to Save Money on National Health Insurance Service (NHIS) in Korea

As a South Korean, I often get asked by my international friends how to save money on mandatory health insurance while staying in Korea. Here's a tip:
1. Must-Have Health Insurance
Since July 16th, 2019, if you've lived in Korea with an Alien Registration Card for over 6 months, you must get Korean health insurance. It can cost up to KRW 120,000 per month.
2. How to Avoid It?
Fill out a form called "Exclusion for Health Insurance for Foreigners" (재외국민 및 외국인 근로자 건강보험 가입 제외 신청서) and submit it to an NHIS branch near you. You'll need proof of health insurance from your home country though. You can find the form by searching "외국인" on the NHIS website.
3. Others
Some NHIS branch offices may ask you to translate the document into Korean. Remember, the exemption only lasts for one year, so you'll have to apply again after that. Not paying the insurance can affect your visa status, so make sure to apply or pay on time!
Hope this helps!
submitted by Lanky-Breakfast-3961 to seoul [link] [comments]


2024.05.16 10:00 AutoModerator Daily Discussion Thread May 16, 2024 - Upcoming Event Schedule - New players start here!

Yahoooo! Welcome to the Daily Discussion Thread! Have a very cool day! Luigi numbah one!
Welcome to the Daily Discussion Thread. This is the place for asking noob questions, venting about netplay falcos, shitposting, self-promotion, and everything else that doesn't belong on the front page.

New Players:

If you're completely new to Melee and just looking to get started, welcome! We recommend you go to https://blippi.gg/ and follow the links there based on what you're trying to set up. Additionally, here are a few answers to common questions:
Can I play Melee online?
Yes! Slippi is a branch of the Dolphin emulator that will allow you to play online, either with your friends or with matchmaking. Go to https://slippi.gg to get it.
Netplay is hard! Is there a place for me to find new players?
Yes. Melee Newbie Netplay is a discord server specifically for new players. It also has tournaments based on how long you've been playing, free coaching, and other stuff. If you're a bit more experienced but still want a discord server for players around your level, we recommend the Melee Online discord.
How can I set up Unclepunch's Training Mode?
First download it here. Then extract everything in the folder and follow the instructions in the README file. You'll need to bring a valid Melee ISO (NTSC 1.02)
I'm having issues with Slippi!
Go to the The Slippi Discord to get help troubleshooting.
How does one learn Melee?
There are tons of resources out there, so it can be overwhelming to start. First check out the SSBM Tutorials youtube channel. Then go to the Melee Library and search for whatever you're interested in.
But how do I get GOOD at Melee?
Check out Llod's Guide to Improvement
Where can I get a nice custom controller?
https://customg.cc/vendors
I have another question that's not answered here...
Check out our FAQs or post below and find help that way.

Upcoming Tournament Schedule:

Upcoming Melee Majors

Melee Online Event Calendar

Make a submission to the tournament calendar here. You can also get notified of new online tournaments on the Melee Online Discord.

submitted by AutoModerator to SSBM [link] [comments]


2024.05.16 09:59 Defiant_Buy_101 The diagnosis delemia: behind the multi million dollar industry of healthcare monitoring

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.
submitted by Defiant_Buy_101 to u/Defiant_Buy_101 [link] [comments]


2024.05.16 09:58 Legitimate_Formal519 Trying to plan my escape

I’ve decided to quit my job and go on my big adventure. But… I feel I would be a fool to not plan this out a little so I don’t freak the f out and be an irresponsible little munchkin.
But can someone tell me HOW does one plan??? The admin???
I feel like I’m gonna be a silly billy and leave without any travel insurance and a lot of loose ends…
submitted by Legitimate_Formal519 to adhdwomen [link] [comments]


2024.05.16 09:57 wtsui Unlocking the Legal Jargon: How an AI Legalese Decoder Can Help You Navigate Insurance Disputes with Your Car Insurer

https://legalesedecoder.com/unlocking-the-legal-jargon-how-an-ai-legalese-decoder-can-help-you-navigate-insurance-disputes-with-your-car-insure?utm_source=SocialAutoPoster
submitted by wtsui to legalselfserve [link] [comments]


2024.05.16 09:56 shwoopypadawan Needing urgent advice (Study abroad program gone wrong, ~1day to being on the streets)

I'm currently in Berlin, Germany, and about to be homeless for 2 weeks on the streets. I signed up for a study abroad program from my university, which I just graduated from last semester. I paid the application fee, got picked, paid for my own flight here and back, and then got a scholarship from an alumni couple in the department I got my degree in, and that scholarship paid for the rest of the trip.
I worked my ass off doing research and selling a bunch of my stuff to get the plane tickets because I'm pretty broke. I was excited for this trip because I was accepted into a German university for graduate school and figured I'd get a good introduction to living in Germany, and to be honest, Berlin itself has been great, all the locals I've met have been very nice to me, but my professors and everyone working from my university have been really unprofessional and tricky and now I'm in an unsafe position.** EDIT to add that when I say Friday I mean tomorrow, so I have about 1 day until getting kicked out of the hotel.
Long explanation, skip to the bottom for a TLDR:
Before I even got on a single plane, I found out customer service for my phone carrier and I had a misunderstanding a month ago when I bought my international plan and found out about 3 days in advance that my phone would be a brick here. I told the professor immediately and she said worse case scenario she would help me get a working phone when I landed, since it's kind of needed for basic safety. Just half a day before the first flight, I got bitten by a few deer ticks and said I might also need help scheduling a doctors appointment when I land, because our travel insurance required a working phone number and it was too late for me to make an appointment before my flight. The professor said that was fine and I would be helped with that as well, so I got on the first plane in full confidence.
When I landed, a day passed without either thing being handled, and that was fine by me, but then multiple days passed and the professor kind of just waved it off. I'd started to feel a little unwell and asked the professor to help me find a doctor and she said it was just jetlag.
One of the first days of the program we went to a restaurant, and the seating was a very small reserved room with our entire 20+ cohort in it. I have CPTSD and am claustrophobic and knew immediately that I did not want to sit there, so I asked the professor if she could help me ask the staff request a seat for me in the outside dining area, or, if one wasn't available, that I could just sit outside on a nearby bench and skip dinner. She told me the room was reserved for us and this was on the itinerary so I HAD to sit there, and when I again said I didn't think I could, she demanded I sit there again and condescendingly asked me if I really couldn't or just didn't want to. I started to cry as quietly as possible and then that suddenly made her understand, so we went outside and I explained that, in my opinion, trying to force any adult to do something they're uncomfortable with and have said "No" to is bad enough to me normally, but since I have a disability, it's also ableist. I tried to frame that sentiment in a "I'm sure you didn't mean it this way" kind of way but she still took offence to the criticism and I think that led to the rest of this.
After that happened I was feeling more ill and the professor said, "Oh, do you think it's lyme? Because if it was lyme you'd have a rash. It's probably still jetlag". At this point I said again that I needed some help getting a working phone number and medical advice from a doctor and she told me to take responsibility for myself. I'd bought myself a SIM card but it needed some unexpected trouble shooting and everything was in German (I know some German but only around A2 level and absolutely none is required for this program), so I'd already tried to help myself, and again could not schedule myself an appointment without a working phone.
I asked the professor if she could put her phone number in just to let the appointment scheduling process complete and she said no. I asked if she had any other ideas and she again told me to figure it out. I wound up walking 20 minutes through Berlin alone with no working phone to a doctor's office unannounced, barely able to fill half the sign in sheet and navigate the language barrier, and successfully got the antibiotics I needed and a lyme diagnosis. The nurse even asked why I came alone. Thankfully for me everyone in the doctors office including the doctor was very very nice to me despite the curveball I through them.
Not long after all that the professor sent an email with me cc'd in to the office of international affairs at the university, and the email said, in effect, "This student said they have a disability and can't stick to the itinerary and therefore I think they're not a good fit for this program and should go home." I immediately responded that that wasn't accurate, that I just could not sit inside a restaurant or other very cramped space, etc. Then I figured while I was at it I'd tell them about the total lack of care for my safety or wellbeing here. After sending that email the professor confronted me and tried to pretty much intimidate me into admitting everything was all my fault or something, I honestly have no clue, I think she was just upset and trying to make me feel better somehow. I think my criticism really got to her and made her kind of just hate me and that she wanted to make me make her feelings make sense. No clue honestly.
Anyway, after that the office of international affairs reached back out to me and were acting way nicer than they were when I first enrolled in this program, which felt sus, but I was haggard and miserable and wanted to be able to trust them so I did. They told me if I was considering coming home early for my own health and safety, that I could unenroll that night to make sure the alum who gave me a scholarship would at least be refunded, but that I had to do it that night since it was the last day to drop for a refund. I said I wasn't sure if I wanted to leave the program, and they said if you're considering it unenroll and if you want to stay after further discussion then we can probably just go ahead and re enroll you.
So I did it. The next day I'm scheduled to meet with someone who told me the day or so before that she would be my advocate and that she was there to listen to and represent me, and when I join the zoom meeting, it's her, but also two other people from the international affairs office. They're telling me my return flight has already been scheduled and everything and that they were sending out a person to chaperone me on the flight, because, though it was totally ignored on my flights here, I'd mentioned at the very start of the application process that I'd been a human trafficking victim before and ideally wanted to fly with someone instead of alone. All of this had less than a 24 hour turnaround from me unenrolling.
I realized hours after unenrolling that I don't want to leave the program, I just want to actually be allowed to engage in the program as it was advertised and as it was promised, and that leaving the program, to me, feels like capitulating to the professor being an asshole to me and like removing liability from the university. In short I think I pretty much got tricked into unenrolling. I told them I didn't want to leave early and they told me they already scheduled everything and got a refund for my hotel room, so if I don't take the flight back Friday, I will be homeless on the streets for 2 weeks until the flight that I personally purchased for the 31st, and that since I hit the unenroll button, my housing, health, or safety will no longer be the universities problem after Friday.
So, the fuck do I do with this, ya'll got any advice? I could really use some. Or even just some support haha.
TLDR: Got tricked into hitting unenroll button after damaging professors ego, most likely purposely tricked to absolve the university of responsibility because how the profs were treating me and everything I described probably did make me a liability even if not my fault, but I'm mad and I'm enjoying Berlin and don't want to leave or let the university get away with risking my health and safety multiple times with no apologies.
submitted by shwoopypadawan to college [link] [comments]


2024.05.16 09:55 Fine-Chart-5607 Job Offer - DATA /AI Engineer - any questions?

There is any extra-questions I should consider asking before taking this offer? What do you think?
1. PERSONALIA
2. EMPLOYER PROFILE
3. CONTRACT & CONDITIONS
4. SALARY
5. MOBILITY
6. OTHER
submitted by Fine-Chart-5607 to BESalary [link] [comments]


2024.05.16 09:43 That-CryptoGuy Long Post, TLDR, help me sort out the IT job confusion.

Ive never had trouble finding a job, up to my early 20s i took on retail and restaurant supervisory/managerial roles i never applied for but was quickly promoted to. I'm not trying to be cocky in any way, but I'm generally good with people and have literally never gone through an interview sequence and not landed the job.
That was up to 2012 at the start of my college career as a mechanical/aerospace engineer with a minor in physics, I had a job going into it but had to work full time so college was slow for me, but all the same Ive consistently done freelance IT work since around then, everything from small office network design to system builds and streamlining (cost reducing) upgrade paths.
In my last semester of my junior year I quit school to start a company with someone that had previously been an investor for a smaller project. We killed it, made incredible money for a startup, gained numerous international clients, grew to an organic following of over 200k...and then covid hit. My father lost half his hours, our company sales tanked from the travel restrictions, and we had a buyer interested in a total asset transfer sale... so we pulled the trigger and sold the company, it was the right choice, it died in his hands in the years following from lack of effort and a severely reduced interest in the market.
In the time since, I've passed my CompTIA A+, Network+, numerous free certs, and am working on my security+ which is indicated in my resume...
And yet after 165 resume submissions and literally applying to every listed open position within 40 miles which on paper I should easily qualify for, I have received precisely zero callbacks, just two obvious RTS rejections. I get I've never worked in a corporate role before but this is baffling, I have an easy ten plus years of pc tech knowledge and run circles around personal friends that are employed sysadmins, and yet i cant even get into an interview for the most basic help desk job that pays less than the local taco bell. I truly dont get it, in college I had job offers coming to me simply because I stated I had built pc's and it was on my linkedin, now with ten years experience that spans all the major operating systems and numerous hardware platforms along with extensive b2b experience from running a company I cant even score an interview for an entry level help desk job?!?!
Like...I want to be mad, but Im more confused than anything. Hell, Ive even seen jobs i applied for that i was overqualified for but got no response...repost the listing days later. What the heck is up with the current job market?!?! I know Ive been out of the job search for over 10 years, but this is insane, it feels like actual qualifications are entirely irrelevant and people hire off the few with correctly tailored keywords that manage to hack their way past the initial filters.
With 165 resumes, 40+ were physical ones, of the remaining 125 I legitimately have doubts a single actual human saw them even once. Am I just old and jaded, or is the current job market and hunt process just really this messed up?
submitted by That-CryptoGuy to jobs [link] [comments]


2024.05.16 09:40 shwoopypadawan Need advice ASAP (study abroad program gone pretty wrong)

I'm currently in Berlin, Germany, and about to be homeless for 2 weeks on the streets. I signed up for a study abroad program from my university, which I just graduated from last semester. I paid the application fee, got picked, paid for my own flight here and back, and then got a scholarship from an alumni couple in the department I got my degree in, and that scholarship paid for the rest of the trip.
I worked my ass off doing research and selling a bunch of my stuff to get the plane tickets because I'm pretty broke. I was excited for this trip because I was accepted into a German university for graduate school and figured I'd get a good introduction to living in Germany, and to be honest, Berlin itself has been great, all the locals I've met have been very nice to me, but my professors and everyone working from my university have been really unprofessional and tricky and now I'm in an unsafe position. **EDIT TO ADD, when I say they're trying to make me go home Friday I mean tomorrow, so I have like 1 day until I'm kicked out of the hotel.
Long explanation, skip to the bottom for a TLDR:
Before I even got on a single plane, I found out customer service for my phone carrier and I had a misunderstanding a month ago when I bought my international plan and found out about 3 days in advance that my phone would be a brick here. I told the professor immediately and she said worse case scenario she would help me get a working phone when I landed, since it's kind of needed for basic safety. Just half a day before the first flight, I got bitten by a few deer ticks and said I might also need help scheduling a doctors appointment when I land, because our travel insurance required a working phone number and it was too late for me to make an appointment before my flight. The professor said that was fine and I would be helped with that as well, so I got on the first plane in full confidence.
When I landed, a day passed without either thing being handled, and that was fine by me, but then multiple days passed and the professor kind of just waved it off. I'd started to feel a little unwell and asked the professor to help me find a doctor and she said it was just jetlag.
One of the first days of the program we went to a restaurant, and the seating was a very small reserved room with our entire 20+ cohort in it. I have CPTSD and am claustrophobic and knew immediately that I did not want to sit there, so I asked the professor if she could help me ask the staff request a seat for me in the outside dining area, or, if one wasn't available, that I could just sit outside on a nearby bench and skip dinner. She told me the room was reserved for us and this was on the itinerary so I HAD to sit there, and when I again said I didn't think I could, she demanded I sit there again and condescendingly asked me if I really couldn't or just didn't want to. I started to cry as quietly as possible and then that suddenly made her understand, so we went outside and I explained that, in my opinion, trying to force any adult to do something they're uncomfortable with and have said "No" to is bad enough to me normally, but since I have a disability, it's also ableist. I tried to frame that sentiment in a "I'm sure you didn't mean it this way" kind of way but she still took offence to the criticism and I think that led to the rest of this.
After that happened I was feeling more ill and the professor said, "Oh, do you think it's lyme? Because if it was lyme you'd have a rash. It's probably still jetlag". At this point I said again that I needed some help getting a working phone number and medical advice from a doctor and she told me to take responsibility for myself. I'd bought myself a SIM card but it needed some unexpected trouble shooting and everything was in German (I know some German but only around A2 level and absolutely none is required for this program), so I'd already tried to help myself, and again could not schedule myself an appointment without a working phone.
I asked the professor if she could put her phone number in just to let the appointment scheduling process complete and she said no. I asked if she had any other ideas and she again told me to figure it out. I wound up walking 20 minutes through Berlin alone with no working phone to a doctor's office unannounced, barely able to fill half the sign in sheet and navigate the language barrier, and successfully got the antibiotics I needed and a lyme diagnosis. The nurse even asked why I came alone. Thankfully for me everyone in the doctors office including the doctor was very very nice to me despite the curveball I through them.
Not long after all that the professor sent an email with me cc'd in to the office of international affairs at the university, and the email said, in effect, "This student said they have a disability and can't stick to the itinerary and therefore I think they're not a good fit for this program and should go home." I immediately responded that that wasn't accurate, that I just could not sit inside a restaurant or other very cramped space, etc. Then I figured while I was at it I'd tell them about the total lack of care for my safety or wellbeing here. After sending that email the professor confronted me and tried to pretty much intimidate me into admitting everything was all my fault or something, I honestly have no clue, I think she was just upset and trying to make me feel better somehow. I think my criticism really got to her and made her kind of just hate me and that she wanted to make me make her feelings make sense. No clue honestly.
Anyway, after that the office of international affairs reached back out to me and were acting way nicer than they were when I first enrolled in this program, which felt sus, but I was haggard and miserable and wanted to be able to trust them so I did. They told me if I was considering coming home early for my own health and safety, that I could unenroll that night to make sure the alum who gave me a scholarship would at least be refunded, but that I had to do it that night since it was the last day to drop for a refund. I said I wasn't sure if I wanted to leave the program, and they said if you're considering it unenroll and if you want to stay after further discussion then we can probably just go ahead and re enroll you.
So I did it. The next day I'm scheduled to meet with someone who told me the day or so before that she would be my advocate and that she was there to listen to and represent me, and when I join the zoom meeting, it's her, but also two other people from the international affairs office. They're telling me my return flight has already been scheduled and everything and that they were sending out a person to chaperone me on the flight, because, though it was totally ignored on my flights here, I'd mentioned at the very start of the application process that I'd been a human trafficking victim before and ideally wanted to fly with someone instead of alone. All of this had less than a 24 hour turnaround from me unenrolling.
I realized hours after unenrolling that I don't want to leave the program, I just want to actually be allowed to engage in the program as it was advertised and as it was promised, and that leaving the program, to me, feels like capitulating to the professor being an asshole to me and like removing liability from the university. In short I think I pretty much got tricked into unenrolling. I told them I didn't want to leave early and they told me they already scheduled everything and got a refund for my hotel room, so if I don't take the flight back Friday, I will be homeless on the streets for 2 weeks until the flight that I personally purchased for the 31st, and that since I hit the unenroll button, my housing, health, or safety will no longer be the universities problem after Friday.
So, the fuck do I do with this, ya'll got any advice? I could really use some. Or even just some support haha.
TLDR: Got tricked into hitting unenroll button after damaging professors ego, most likely purposely tricked to absolve the university of responsibility because how the profs were treating me and everything I described probably did make me a liability even if not my fault, but I'm mad and I'm enjoying Berlin and don't want to leave or let the university get away with risking my health and safety multiple times with no apologies. Currently will probably be homeless in Berlin for 2 weeks.
submitted by shwoopypadawan to CollegeRant [link] [comments]


2024.05.16 09:35 The_Happy_Chappy Do people really want to live near work?

I see a lot of posts where people ask for recommendations of places to live based on where they work or are planning to work and I honestly do not get it.
I know there are fringe cases like you are new to the city and need a place near to just reduce the complexity while you get acclimated to your new city, etc. Or where you have a ridiculously commute like (Tokai - Stellenbosch). I am not talking about those scenarios.
I have a feeling a lot of people just repeat political rhetoric. For the poor the argument is that people travel hours in search of economic opportunities and that is where all their wages go, it is true and is a valid point. For the more affluent the argument is that the time spent in traffic is a waste, affects mental health and could be with family. I feel like efficient, affordable public transport solves most of these issues.
For those with families, my assumption is that where you choose to live is mostly dependent on affordability, schools, safety and proximity to activities for the family and not where you work unless you own the business.
For single people, my assumption is that where you choose to live is dependent on price and proximity to your favourite activities e.g. If you enjoy food and night life CBD and the immediate surrounds would be a top option.
When I think of work, I imagine factories, warehouses, office complexes and I honestly would not want to live anywhere near that willingly. Noise, traffic, pollution the list goes on and on. I am not talking about doctors, lawyers etc who can run their own practices near home I am talking about main stream work that most of us would be employed in (the man on the street).
Am I missing something?
submitted by The_Happy_Chappy to capetown [link] [comments]


2024.05.16 09:34 theawkwardzeref Netherlands Visa Experience from VFS Mumbai, India (Approved) Short Stay Tourism

Applied for Netherlands Schengen from VFS Mumbai
Timeline:
26th April: Appointment date and application forwarded to NL Embassy, New Delhi
29th April: Application received at Netherlands Embassy, New Delhi
14th May: Visa application processed and dispatched via courier
16th May: Passport received via Bluedart.
Result: Single entry visa approved with 45 day validity and 30 day stay
Itinerary submitted for 13 days with entry in Netherlands (7 Nights) and travel onwards to Italy (5 Nights).
Documents submitted:
  1. Cover letter explaining reason for travel, personal social and financial situation, and short explanation of bank statement history and stocks holdings.
  2. Day by day Itinerary with plans for each day along with stay details.
  3. Real flight tickets with entry in Amsterdam and return from Rome.
  4. Internal transit flights (Amsterdam to Venice) and Car rental bookings.
  5. Pay at hotel bookings in all cities as per Itinerary.
  6. 3 months bank statements + 2 year ITR + 3 months payslips.
  7. Employment letter, leave approval letter and compensation letter
  8. Travel Insurance with coverage of $200,000
Note:
  1. I had no prior travel history and this was my first ever visa application.
  2. You can track BlueDart courier with your visa application number. (use as reference id on bluedart tracking)
  3. I got the documents verified via Visario, they drafted me a cover letter as per my plan.
Feel free to ask me anything.
submitted by theawkwardzeref to SchengenVisa [link] [comments]


2024.05.16 09:34 Jhonjournalist Japan is Suffering Its Worst Economy Than Expected

Japan is Suffering Its Worst Economy Than Expected
https://preview.redd.it/zutigo7prq0d1.jpg?width=800&format=pjpg&auto=webp&s=76984608ce4666478aa44bb29a7d16d2af38728f
  • For a long time, Japan has fought stale development and flattening as well as a quickly maturing populace.
  • Trades jumped 5.0 percent, after developing 2.8 percent the past quarter, while imports fell 3.4 percent.
  • Japan’s cash was once viewed as a place of refuge, expected to ascend in esteem amid worldwide disturbance.
Japan’s economy experienced a more terrible than-anticipated withdrawal in the principal quarter, official information showed Thursday, in additional terrible news for its disliked government.
Total national output on the planet’s number four economy shrank by 0.5 percent against market assumptions for a drop of just 0.3 percent.

Japan’s Worst Economy Than Expected

Contrasted and the principal quarter of 2023, the Gross domestic product fell an annualized 2.0 percent and a gauge drop of 1.2 percent, as per Bloomberg News.
The economy was hit by a significant quake on January 1 on the Noto promontory and by stops underway at auto goliath Toyota’s Daihatsu auxiliary.
Japan has been playing with a downturn since last year, with zero development — updated Thursday from an extension of 0.1 percent — between October and December.
In the past quarter, from July to September, the Gross domestic product experienced a significant compression of 0.9 percent, likewise updated on Thursday from a previous perusing of short 0.8 percent.
The new information will add to the strain on State leader KISHIDA Fumio and his administration, which for a long time has seen unfortunate survey evaluations.
Germany supplanted Japan as the number three economy in 2023 — by and large on account of the feeble yen — and is projected to be overwhelmed by India as well.
Expansion, nonetheless, has gotten, permitting the Bank of Japan in Spring to call time on its nonconformist money-related arrangement and raise loan fees without precedent for 17 years.
Rates somewhere else stay higher anyway and the wide differential has added to strain on the yen, which as of late has hit three-decade lows against the dollar.
In late April and early May, the yen momentarily rose forcefully against the greenback, provoking the hypothesis that Japan had mediated on the lookout.
Yet, that has not been validated in that frame of mind, with the yen cratering from around 115 for each dollar before Russia‘s February 2022 attack on Ukraine to 160 last month.
A more vulnerable yen is great for Japanese exporters and unfamiliar guests, yet it makes imports and unfamiliar travel for outbound sightseers more costly.
Learn More: https://worldmagzine.com/asia/japan-is-suffering-its-worst-economy-than-expected/
submitted by Jhonjournalist to u/Jhonjournalist [link] [comments]


2024.05.16 09:03 liam7575blahblahblah How do I convince my 13 year old son that he already has it better than average kids?

We're white, middle class Australians. Just my son & I living in a two story, two bedroom townhouse in a pretty mediocre complex in a capital city.
While I make a decent income (~$107K AUD salary plus super, or just over 3K AUD/fortnight) we struggle to get by because my mortgage repayments are 1350/fortnight plus I have an arseload of bills (home rates, water, gas, electricity, body corporate fees, health insurance, plus our internet & phone bill is insane, so he can have the fastest, unlimited home network speeds, repayments on his iPhone 14 Pro, my Pixel 6) and his constant want for new (expensive) clothes, shoes and whatever else he demands.
He has a mid-tier gaming PC I built him a few years ago, along with a PS5 and a high end gaming monitor with an expensive desk and gaming chair in his bedroom, along with a very nice queen-sized bed and floating shelves with expensive collectables on them.
As a 49M I have given up on finding love again, or even a casual partner because he has damaged the crap out our home but his solution to getting more money is "get on Tinder and find a wife" so we'll have multiple incomes. I could do alright on Tinder if our house wasn't constantly getting trashed by his meltdowns. Or to constantly ask my mother for money. She's helped us enough as it is.
I even splurged on Childish Gambino tickets for us today (which will also mean travelling to and accomodation in Sydney on top of the $440 worth of tickets) and I was "the best dad in the world" but then his ASD and ADHD kick in and he starts focusing on wanting newer, better stuff.
Today (after giving up on telling me to buy a new house) he wants his room renovated, with his current desk etc back downstairs, a new desk with a MacBook, windows replaced, wardrobe replaced so he can be like a "normal kid".
When i was his age I shared a "sleep-out" (basically an enclosed verandah running down the side of the house) with three little brothers, wore what I was given and rode a cheapo "Toyworld" BMX to school, forced to participate in a cult "Mahikari" in a house full of cockroaches (especially the human cockroach married to my Mum who was molesting my older sister).
I understand he has ADHD (as do I, hence the essay, sorry) and he is at the highest of level 2 ASD (one point off level 3, which is the highest end of the spectrum in Australia) but he seems to think "all other kids" have better rooms/houses than him.
He won't listen when I tell him about teenage boys living in the middle east, where they're lucky if they have a bedroom and that they can't guarantee that their Dad will survive a day at work or they can't be sure they won't get blown up at school, or crossing the frikken road. Or about other kids who are in ghettos surrounded by gang life. Or even just other white, middle class kids in our own, safe, city who don't have luxuries that he has, streaming services, a Dad that is willing to pay for him to have a more expensive phone than my own, that will take him to a $200 concert.
What does the average 13 year old kid have where you live?
How can I convince him that he should be grateful (or at least satisfied) with what he has?
It does my head in that he thinks he has it so rough!
Sorry for the huge wall of text. I need to vent as well as get some advice, please and thank you!
submitted by liam7575blahblahblah to Parenting [link] [comments]


2024.05.16 09:03 Iridium_shield Worst two stage trigger on the market

I'm looking at putting together a beater rifle that shoots like a milspec M4, by which I mean overgassed, and with the worst trigger imaginable. I bought the cheapest Anderson trigger I could find, but while heavy, it doesn't have nearly enough pre-travel to approximate a usgi full-auto trigger.
So I'm looking for either a milspec trigger with tons of pre-travel, some grit, and a mushy break, or a very heavy two stage trigger.
Recommendations?
submitted by Iridium_shield to ar15 [link] [comments]


2024.05.16 09:01 arknim_genuineultra Advice on using patch file for installed library

I am using rest_framework_simple_api_key in my production application on python version 3.9 .
On running command
python manage.py generate_fernet_key 
as given in doc(djangorestframework-simple-apikey) i am getting File "C:\Users\DELL\anaconda3\lib\site-packages\rest_framework_simple_api_key\models.py", line 15, in class AbstractAPIKeyManager(models.Manager): File "C:\Users\DELL\anaconda3\lib\site-packages\rest_framework_simple_api_key\models.py", line 16, in AbstractAPIKeyManager def get_api_key(self, pk: int str): TypeError: unsupported operand type(s) for : 'type' and 'type'
On Searching I got reason is i am getting error is The error TypeError: unsupported operand type(s) for : 'type' and 'type' is caused by the use of the int str syntax for type hinting, which is only supported in Python 3.10 and later versions.
I can't change my python version as it is in production so I came across solution monkey patching then i got this article https://medium.com/lemon-code/monkey-patch-f1de778d61d3
my monkey_patch.py file:
def patch_get_api_key(): print("*********************************EXE****************************************") """ Monkey patch for AbstractAPIKeyManager.get_api_key method to replace the type hint. """ from typing import Union def patched_get_api_key(self, pk: Union[int, str]): try: print("Patched get_api_key method") return self.get(pk=pk) except self.model.DoesNotExist: return None print("Before import") import rest_framework_simple_api_key.models as models print("After import") models.AbstractAPIKeyManager.get_api_key = patched_get_api_key 
I added code in my apps.py file:
# myapp/apps.py from django.apps import AppConfig class MyCustomAppConfig(AppConfig): default_auto_field = 'django.db.models.BigAutoField' name = 'roomroot' def ready(self): """ Load monkey patching. """ try: from .monkey_patch import patch_get_api_key patch_get_api_key() except ImportError: pass 
and called it in manage.py file:
def main(): """Run administrative tasks.""" settings_module = "roomroot.deployment" if "WEBSITEHOSTNAME" in os.environ else "roomroot.settings" os.environ.setdefault("DJANGO_SETTINGS_MODULE", settings_module) from roomroot.monkey_patch import patch_get_api_key patch_get_api_key() 
by running command for generating generate_fernet_key i am getting error:
python manage.py generate_fernet_key *********************************EXE**************************************** Before import Traceback (most recent call last): File "F:\Abha\Room_Reveal\Backend\roomroot\manage.py", line 27, in main() File "F:\Abha\Room_Reveal\Backend\roomroot\manage.py", line 14, in main patch_get_api_key() File "F:\Abha\Room_Reveal\Backend\roomroot\roomroot\monkey_patch.py", line 18, in patch_get_api_key from rest_framework_simple_api_key.models import AbstractAPIKeyManager File "C:\Users\DELL\anaconda3\lib\site-packages\rest_framework_simple_api_key\models.py", line 15, in class AbstractAPIKeyManager(models.Manager): File "C:\Users\DELL\anaconda3\lib\site-packages\rest_framework_simple_api_key\models.py", line 16, in AbstractAPIKeyManager def get_api_key(self, pk: int str): TypeError: unsupported operand type(s) for : 'type' and 'type'
My question is using patch to do resolve this error is good idea? Also I tried calling my patch_get_api_key() in setting.py file still getting type error.
submitted by arknim_genuineultra to djangolearning [link] [comments]


2024.05.16 09:00 HealthInsuranceGuide What is the role of an agency in insurance?

An insurance agency plays a critical role in the insurance industry by acting as an intermediary between insurance companies and policyholders. Here’s an in-depth look at the functions and responsibilities of an insurance agency:
1. Representation and Sales
2. Consultation and Needs Assessment
3. Policy Customization and Quotes
4. Application and Underwriting Assistance
5. Policy Issuance and Documentation
6. Customer Service and Claims Support
7. Risk Management and Advice
8. Education and Awareness
9. Renewal and Review
10. Regulatory Compliance
Types of Insurance Agencies
  1. Independent Agencies: Represent multiple insurance companies and offer a wide range of policies. They provide clients with more choices and flexibility.
  2. Captive Agencies: Represent a single insurance company and sell only that company's products. They have in-depth knowledge of the insurer's offerings and policies.
  3. Brokerages: Similar to independent agencies but typically work on behalf of the client rather than the insurer, often specializing in more complex or high-value insurance needs.
submitted by HealthInsuranceGuide to u/HealthInsuranceGuide [link] [comments]


2024.05.16 08:59 ContractDecent9710 Job Offer - Data Scientist

1. PERSONALIA
2. EMPLOYER PROFILE
3. CONTRACT & CONDITIONS
4. SALARY
5. MOBILITY
6. OTHER
submitted by ContractDecent9710 to BESalary [link] [comments]


2024.05.16 08:56 Own-Cauliflower1754 Here I am: Late 30s, fat, & alone

It was cool to be that person who had a six-figure job and travelled around the world however I wasn’t even truly happy in the process and now I’m less stressed than I have been for many years.
I’m not starting over. I have a lot of good things going for me.
I’ve been lucky with home equity, large contributions to my 401k and one lucky stock pick back in 2012. I’m not rich but I'm going to make it to the next job alright and continue my little stockpile of assets that I'll probably never get to enjoy but will be happy that in the end I'll leave what I think is proof that I was somewhat valuable to this world.
I think the biggest shock of this experience is that people worried about me not having a job but in reality, an income. The truth being is that I needed to move from that role a while back and I was happy that it was over and even happier I didn't even have to execute the separation.
I’m not sure where to go from here.
I know my health is probably where I should focus but not as easy as it sounds. Even with all the time in the world. My back hurts so much and I still don’t want to go to the doctor. I don’t want tests to be run to confirm what I already know. I’ve eaten myself into a corner and have probably cost myself many years of my life. While I physically don’t want to hurt myself, it seems convenient to just let nature take its course and call it a day. My mind always wants to think that it’s around the corner, but the reality is that if I do nothing it could still be years away and not the quick sudden “fix” that I like to think of it in my head.
My mental health is also lacking. I’ve been very lonely over the years. I can find countless people to talk to but having that connection and feeling of loving and being loved is tough. I’ve always closed myself off from others so I can prevent getting hurt. I can show up all day long, but I got to be honest that I've not quite always there the way people deserve I should be there for them. I try to date, I’m pretty decent at getting a first date but anything after that is rare. Most likely outcome is rejection which is actually expected. However lately I’ve turn a lot of women into friends. What ends up happening there is that I’m their validation machine and I just have someone to send things I find humorous or interesting. Eventually they stop answering but by then I have the next one. What started as a genuine interest turns into this transactional emotional connection that can be broken at anytime time by either party because we continue the endless search of someone better in this world.
Sadly, the most likely outcome of this is that I hop on to the next job being the wonderful COGS that corporations love work with to build the most shareholder worth possible. When that happen the, people will think my biggest problem in life is solved and I'll have the perfect excuse not to fix anything that is currently broken.
submitted by Own-Cauliflower1754 to depression [link] [comments]


2024.05.16 08:56 Hotpot-creations Short story - Romance: Paper Lovers

Short story - Romance: Paper Lovers
Image by Hotpot.ai
Paper Lovers Story and image by Hotpot AI
It was the year 1978, a time when technology was not as advanced as it is today. There were no smartphones, no internet, no social media. People communicated through letters and phone calls, and everything was done in real life. It was a simpler time, but it was also a time when connections were made in a more meaningful way.
In the small town of Eldridge, Oregon, nestled in the countryside, lived two individuals in their 30s—Dylan and Alyssa. They had never met, even in this small town of scarcely more than 4,000 people.
It all started with a library book. Alyssa had been browsing through the shelves in the "self help" topic when she came across a book that caught her eye. As she flipped through the pages, she noticed a small note. It was written on very thin tracing paper, and it did not create a noticeable gap in the pages of the book. It read, "True loneliness is absolutely the worst pain there is. If anyone out there feels the way I do, please reply." Alyssa's heart skipped a beat. She felt a connection to the person who had left the note, and without hesitation, she wrote a reply on a single sheet of thin paper and placed it in the same place in the book.
Days went by, and Alyssa found herself eagerly checking the book every time she visited the library. And every time, there was a new note waiting for her. They shared their deepest thoughts, their dreams, and their challenges. They talked about everything and anything, and before they knew it, they had fallen in love without ever having met.
They did this for five months. The notes were their lifeline, their little secret, their private way of connecting with each other. It was unusual, but for them that was a large part of what made it romantic. The thin sheets of paper held their hearts and souls, and they cherished every word written on them.
As time went on, Dylan knew that a strong bedrock for a relationship had been formed. He knew that at this point, the natural thing to do was to ask Alyssa if she, also, felt like they should meet and take the relationship into the real world.
Fortified by this decision, Dylan stepped into the library with even more purpose the next time he went. But to his dismay, Dylan was told that the book was not available. It was still checked out. This meant that Alyssa had not quickly replied and returned the book as she usually did, or worse—that another person had checked out the book and might not ever return it, or might throw away their last messages. Dylan's heart sank. He had grown to care for Alyssa, and now he was worried. He had no way of contacting her, and the thought of losing her without ever meeting her was unbearable.
Days turned into weeks, and Dylan couldn't shake off the feeling of unease. He missed their conversations, their late-night musings, and the feeling of closeness to her from the exchange of such private communications. He couldn't imagine his life without Alyssa, and he knew he had to find a way to reach her.
Desperate to find her, Dylan went to the library and asked the librarian about the book, giving her its exact title. To his surprise, the librarian had no idea what he was talking about. She had never seen the book before, and it was not part of their collection. Dylan's heart raced with panic. Had he imagined it all? Was Alyssa even real?
But then, the librarian remembered something. She had seen a woman leaving the book on the shelf a few weeks ago. She didn't think much of it at the time, but now she realized it must have been the book Dylan was looking for. She described the woman as someone in her 30s, with long brown hair and a kind smile.
Dylan's heart skipped a beat. It had to be Alyssa. He thanked the librarian and rushed out of the library, determined to find her.
He searched the town, asking everyone he met if they had seen a woman matching the description the librarian gave. But no one had seen her. Many people probably thought he was crazy, and he felt a little crazy. But he was crazy in love. So he kept up his searching and asking.
For hours he wandered around in a daze, trying to think of where he'd find her and how he would recognize her. Just when he was about to give up, Dylan spotted her, or someone he hoped was her.
She was sitting on a bench in the park, reading a book. He got closer and saw that it was that book.
Dylan's heart raced as he approached her. He couldn't believe he had finally found her. Alyssa looked up from her book and smiled when she saw him. They both knew that this was the moment they had been waiting for.
They sat on the bench, talking for hours, and it felt like they had known each other for a lifetime. They laughed, they cried, and they shared their hopes and fears. And as the sun began to set, they both knew that they had found their soulmate in each other.
From that day on, Dylan and Alyssa's love only grew stronger. They continued to exchange letters, but now they also had each other in real life. They went on adventures, traveled the world, and faced challenges together. And every time they passed by the library, they would smile, knowing that it was the place where their love story began.
Years went by, and Dylan and Alyssa grew old together. They never forgot the magic of those letters, and they continued to write to each other until the very end. And when they were gone, their love story lived on, inspiring others to believe in the power of true love.
submitted by Hotpot-creations to HotpotAI [link] [comments]


2024.05.16 08:55 GeekyGardenGuru 42/F cat lover seeks stardust sprinkled friendship

Hi! I'm on the hunt for a kindred spirit, a fellow female adventurer around my age, to embark on a journey of friendship where we can share life's highs, lows, and everything in between.
A bit about me: I'm utterly fascinated by the cosmos and often find myself stargazing and pondering the universe’s mysteries. I'm a green thumb with a love for gardening and all things plant-related. As for my furry companions, I'm a proud cat mom and an admirer of all things feline and majestic whales!
My eclectic taste in entertainment spans across a wide array of genres. I adore Asian dramas, get lost in historical narratives, and am always up for sci-fi and fantasy adventures. I thrive on the thrill of post-apocalyptic scenarios, true crime mysteries, action-packed sequences, and the unraveling of a good mystery. Whether it's Netflix or BiliBili, binge-watching is my guilty pleasure. I'm also quite fond of video games (mainly FF and AC) and write fanfiction.
Music fuels my soul, and my playlist is as diverse as my interests, ranging from the timeless beats of the '80s, soothing smooth jazz, to the energetic vibes of K-pop.
Despite my geeky inclinations, I'm an avid nature lover - hiking, biking, and taking refreshing dips in lakes are some of my favorite activities. I also have a penchant for travel, exploring cultural venues like concerts, theaters, and museums, and I cherish the simple joy of creating homemade treats.
I'm searching for someone who's open-minded, talkative, and enjoys delving into deeper conversations. Someone who values a true, supportive friendship, willing to share their own stories and eager to hear mine. If you’re looking for a non-judgmental friend who’s ready to chat about everything from the stars to the latest drama binge-watch, I think we might just click!
If you feel like we could be cosmic online friends, send me a message!
P.S.: Please don't reach out if you aren't serious about starting a conversation.
submitted by GeekyGardenGuru to penpalsover30 [link] [comments]


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