Alaska pfd rainy day fund

So I’ve started recently on med surg / tele as a pct no prior experience doing pt care. I got three days of training before getting my own pt assignments which can be up to 12 pts. The jobs pays about $18/ max at this facility. After a few days I feel like this job is three jobs in one and deserves more pay.
I previously did discharge planning for psych and loved it. I wanted to be an LCSW but realized the financial ROI and work life balance is not as good as nursing.
I realized that although I like being there for a person to be emotionally vulnerable and have a safe space I found out from another job that I dislike calling insurance case managers for clients and sometimes would get annoyed with clients talking on the phone.
Also LCSW don’t really get their initial education or continuing training paid for my hospitals / group practices they work at and if independent they of course 100% fund themselves.
I can enroll in an accelerated BSN and be done within 24 months as I have a prior bachelor degree. I’m thinking about Pacu / going for Psych NP. My stepmom who was an ortho nurse says that nursing does involve the gross stuff and that I most likely wouldn’t land into a “ soft life” nursing job straight out of school.
She’s advising me to consider other ideas. At this point I don’t know of anything that will allow me to help people have 4 days off if I want and make good money without being in school forever.
Please give advice that is both kind and honest and if you have any career ideas with similar benefits to nursing please comment them.

Hi, I am a high schooler (senior, incoming college freshman) who has definitely gotten a lot from this sub more in my early days and still try to give back now as I go on to try and enter the investment industry out of college, I figured I would start with some good free stuff.
I recently talked with a hedge fund manager of a pretty large fund and I was fortunate to be shared his database of Berkshire Hathaway letters along with Buffet partnership letters. I decided that since I could only find Berkshire letters from 1977 onwards posted for free here (seen it sold online for pretty high prices), I would share what I had received from the preceding years:
https://drive.google.com/file/d/11CTVL1Nzsj6dwtnxUmK4-djEx1SwlDgd/view?usp=drivesdk
https://drive.google.com/file/d/1LhpWOHE0iv9nFxtVecgoeFMTHVj0WjJ4/view?usp=drivesdk

Let me preface this discussion with the most important supplies and skills to have before anything else is food storage, water procurement knowledge/skills and filtration/treatment, and knowledge/skills to produce food for sustained periods. Also, in the event of shtf or whatever you want to call it, it is my very strong belief to stay home if at all possible (bug in) and stay away from problems. With that said, this community, reddit and otherwise, often times brings up guns and various tactical gear. There is a lot of learning/training and money, lots of money, that goes into this. With limited funds to apply to this type of gear and the goal to be prepared as much as possible even if it takes a while, what are your thoughts on priorities? Below is my guess at the priorities (I'm not interested in specifics like what pistol or rifle). I'm really interested to read your opinions and to help provide this community with a roadmap for tactical preparedness one step at a time without being overwhelmed:

1. Good 9mm pistol
   
2. Magazines for pistol
   
3. Good holster
   
4. 500-1000 rounds minimum
   
5. Training with pistol including how to clean and repair (Not just time at the range but actual training)
   
6. Weapon light for pistol (Maybe before training...)
   
7. Good AR15 or whatever flavor rifle you choose
   
8. Minimum of 7 magazines for rifle
   
9. Good sling
   
10. Good optic
    
11. 1000-3000 rounds minimum for rifle
    
12. Training with rifle including how to clean and repair
    
13. Weapon light for rifle
    
14. Battle belt
    
15. Magazine holders for pistol and rifle
    
16. IFAK and tourniquets with knowledge of how to use
    
17. Either plate carrier with plates setup or load bearing gear with appropriate pouches
    
18. 3-day backpack or ruck sack with appropriate sustainment gear which is a whole other discussion
    
19. Ballistic helmet with ear and eye protection
    
20. Night vision
    
21. Infrared laser with infrared light for rifle
    
22. Drone with extra batteries (Watch any of the videos coming out of Ukraine and it becomes immediately apparent just how important a drone is)
    
23. Means to charge batteries
    
24. Thermal
    
25. Suppressor
    
26. Radios
    
27. Training for radios
    
28. What is missing?
    

On the 11 day cruise to Alaska anyone know how many nights they have crab night and is it unlimited?

Hi
I will be flying to Vietnam in July, since nothing and south have rainy weather I was planning on spending majority of my time central, can you give an opinion on my route. What places should I remove or spend more/ less time in.
Am I missing anything that I should see, I am trying to avoid whwre it is heavy rain but if it's not so bad in North or South then a would like to try.
I will have about 16 days. Was thinking 4 places or is this too much travelling?

• Hue - 2 days
• Hoi an - 4 days
• Da nang - 3 days
• Hanoi or Ho chi min - 3 days

Probably day to travel around .
Thanks

What happened to all of the tents/items for the tents & his car camping he got? Also those expensive fishing material and drill he bought to take w/ him to go fishing in Alaska etc? He keeps claiming he’s in 1 state when he’s in another (timing of him claiming to be in east coast & then next day being in CO to meet his gf??) He was also gonna go visit another tiktokker but that never happened either…
Everything he does is fake & left with loose ends, i genuinely do not understand how people are sending this guy money & now items from his amazon list. I used to follow him as I was getting into camping content on tt but I had to unfollow this week after seeing him acting like hes a poor victim who begs for money to go shop at walmart. I hope those 3 cats find a better home.

Good evening Healthcare_anon members
I believe we are at the midpoint of the multi series DD on the paper:
Rooke-Ley H, Brown E, Grumbach K, Hoffman A, Ryan A, Roy V, Grogan C, Appelbaum E, Lipschutz D. Medicare Advantage and Vertical Consolidation in Health Care. American Economic Liberties Project, April 2024. Available: https://www.economicliberties.us/our-work/medicare-advantage-and-vertical-consolidation-in-health-care/#, accessed 05/19/24 (for this subreddit post).
Today's discussion will be centered around page 23-31. I will be collaborating with u/ Fabulous-airport-273 on the remainder of the paper, as I believe we should address the topic in a collaborative fashion after this midpoint. If you like, you may review the previous DD in the following links:
https://new.reddit.com/Healthcare_Anon/comments/1culz57/medicare_advantage_capitation_model_prio
https://new.reddit.com/Healthcare_Anon/comments/1cw50xp/vertical_integration_of_the_healthcare_insurance/
https://new.reddit.com/Healthcare_Anon/comments/1cwsavi/vertical_integration_of_the_healthcare_insurance/
I was thinking on also discussing Aetna and Humana within the model as well, however in the interest of time and effort, I may have to revisit those 2 creatures at a later time - not because they are particularly difficult, but that it would be a similar rehash of UNH and BHG. The minutiae of improper population model care and investment made by CVS/Aetna and Humana is in my personal belief the reason why their MCR exploded, and perhaps inadequate preparation for CMS V28 blend adjustment also played a role. Even though CVS/Aetna has an adequate service sector, Humana does not, and we may see further margin divergence of these 2 behemoths.
Without further digression, let us begin:
Vertical consolidation - what is currently happening
"Consolidation allows these vertical conglomerates to use capitated payment structures in ways that drive profits without creating value. As noted above, corporate consolidation in health care has existed for decades, largely driven by hospitals. The primary result: hospitals can negotiate higher prices in the commercial market, cut labor costs and demand more of clinicians, and exploit various loopholes in the fee-for-service Medicare system. In addition, private equity (PE) rollups in health care have risen dramatically over the decades, also exploiting fee-for-service reimbursement and threatening patient care."
We have certainly seen the damage from PE acquisition on practices, especially in emergency medicine, which I previously alluded to in: https://new.reddit.com/Healthcare_Anon/comments/1c0bi4u/the_healthcare_workforce_staffing_crisis_a/. The damage to physician morale is especially acute during this consolidation process.
We are also seeing widespread practice buyouts in the PCP arena now:
https://www.nytimes.com/2023/05/08/health/primary-care-doctors-consolidation.html
https://www.beckersasc.com/asc-transactions-and-valuation-issues/optum-s-multibillion-dollar-acquisition-spree-3-deals-to-know.html
https://www.hcinnovationgroup.com/finance-revenue-cycle/mergers-acquisitions/news/55000097/steward-health-care-plans-to-sell-physician-network-to-optum
https://radiologybusiness.com/topics/healthcare-management/healthcare-economics/unitedhealth-earns-emergency-order-buy-radiology-provider-placed-crisis-due-change-cyberattack
The last one from Corvallis is a particularly spicy acquisition - the change healthcare cyberattack created a cash flow crunch within Corvallis, creating the impetus for Corvallis to then sell itself to Optum. If I were to use cruder terminology, the analogy is this: Optum/Change groomed Corvallis to be dependent on its "service", and once Corvallis is dependent on Optum/Change, Optum/Change then "convinced" Corvallis that Corvallis needs to sell its body (clinics) to Optum for the couple to stay together after Optum/Change failed in its basic "pimp" duty on protecting the groomed subject. Absolutely disgusting analogy, and I hope it brings the message across - what Optum did was absolutely abhorrent and should have paid Corvallis interest and damages, but instead gets to steal the Damsel-in-distress. Who said pimping doesn't pay?
"Today, as policy moves away from fee-for-service, analogous patterns of corporate consolidation are emerging under capitation-based financing. While vertical conglomerates promise clinical integration, familiar harms are emerging, such as the push toward “productivity” medicine and the replacement or supplementation of physicians with less expensive advanced practice providers."
Ok, I am not sure if that last part was absolutely necessary. Advanced Practice Providers (APP) are Physician Assistants (PA), Advanced Nurse Practitioners (APRN), or in the case of Anesthesia, CRNA (Certified Nurse Anesthetist) who work under a supervision of an overall Medical Doctor (MD) for the practice. In the current labor shortage, there are not enough physicians to make up for lack of physician help. I would rather work with our APP colleagues on creating a more equitable platform, and this paper is not helping the cause in this manner. Vertical integration can bring plenty of harm, but having APP being part of the Team is NOT a problem. In fact, I have worked with many APP who are wonderful healthcare colleagues and we all want the same thing: equitable treatment of our patients in the most humane, effective, and medically appropriate way possible.
I. Gaming capitated benchmarks:
"Vertical conglomerates in capitation-based models are keen on controlling primary care physicians, who are essential for inflating risk-adjustment payments and quality bonuses. In MA alone, gaming of risk adjustment is responsible for at least $23 billion in annual overpayments to insurers, while quality payments amount to another $10 billion in subsidization without demonstrated value. In addition to increasing costs, the preoccupation with risk-coding and box-checking wastes scarce time with patients and contributes to dissatisfaction among clinicians."
Remember my CMS DD a month ago? If not, I will submit those links again:
https://new.reddit.com/Healthcare_Anon/comments/1c1n3tf/cms_finalizes_payment_updates_for_2025_medicare/
https://new.reddit.com/Healthcare_Anon/comments/1c1yg8q/cms_finalizes_payment_updates_for_2025_medicare/
We on the field AND CMS knows this is happening. In fact, CMS is attempting to stop this practice by the rollout of CMS V28 AND the April 1 2024 Contract Year 2025 Medicare Advantage and Part D Final Rule (CMS-4205-F). What CMS is attempting to do is to decrease the capitated payments on risk adjustment and quality bonus payments to elongate the Medicare Trust Fund depletion runway, which hopefully also will force the MA companies to take care of patients. As was seen in our 24Q1 DD, companies will instead retrench, retreat, and cut benefits instead. this indicate a potential market failure of the capitated model payment. We should readdress this point in a future post.
***"***The centrality of data in diagnosis coding puts vertical conglomerates in the driver’s seat. It helps contextualize UnitedHealth’s recent $13 billion acquisition of Change Healthcare, the nation’s largest billing clearinghouse, which, according to the Department of Justice, would give UnitedHealth a near monopoly (94% market share) over the clearinghouse market. Through the prism of risk coding, as well as other financial strategies discussed below, the business case was obvious: acquiring Change gives UnitedHealth visibility into the claims, diagnosis codes, and provider IDs of tens of millions of patients"
With the Change Cyberattack in February 2024, UNH unleashed the biggest cybersecurity threat on our patients' medical history in this nation's history, all because someone forgot 2 factor authentication on a whole server worth of data. Good job United. We thank you for proving the ineptitude of private enterprises. We no longer get to just make fun of the National Health System in UK for ineptitude, or that only government agencies suck, but a private enterprise that is a small nation state with a profit margin higher than the NSA's yearly budget can't figure out 2FA.
***"***As with risk adjustment, vertical conglomerates can inflate quality scores with greater control of clinicians. They can, for example, game medication adherence quality measures by pushing providers to put their patients on 90-day refills, mail-order prescriptions, and automatic refills, even if patients never take the medications. Similarly, they can discourage or prohibit clinicians from giving samples to patients and allowing them to use lower- cost alternatives. Further, Star Ratings and other quality programs require significant administrative efforts, placing small practices at a disadvantage."
I do take exception to the samples argument. Look, we just got out of the VERY SHADY stuff happening in the 90s with MD offices taking a HUGE backhand deal when giving out samples, I don't really want to see that stuff back in vogue again. Do you know how frustrating it was for a patient to say they are on a med that is from their doctor's office, they got it for free, and they must have it as an inpatient, when they don't even have it on the medication fill list or on the electronic medical record database? Who do I trust?
II. PATIENT STEERING AND “CAPTIVE” REVENUE:
This section is the reason why I did UNH and BHG as a DD - to pave the way for the discussion on this section. If you haven't read it, please see:
https://new.reddit.com/Healthcare_Anon/comments/1cw50xp/vertical_integration_of_the_healthcare_insurance/
https://new.reddit.com/Healthcare_Anon/comments/1cwsavi/vertical_integration_of_the_healthcare_insurance/
"UnitedHealth is increasingly relying on this captive revenue—or “intercompany eliminations”—with its growth of its provider subsidiary, Optum. UnitedHealth has increased intercompany eliminations by over 80% in five years, reaching $108 billion in 2022. It now sends over 25% of its medical claim revenue to its own subsidiaries. Its market presence shows why: UnitedHealth exists in 87% of insurance markets, only rivaled by Humana at 90%. 130 Further, UnitedHealth has over 50% share in more than 140 MA markets."
OK even though this paper is quoting another paper, my 10K/10Q analysis does match what this paper said, except it isn't 25%. Its 37.7% now. WHOA!
"These captive revenue strategies enable regulatory arbitrage. Medical Loss Ratios (MLRs) were established in the Affordable Care Act to cap insurance administrative costs and profits and to ensure that a minimum percentage of capitation payments and private insurance premiums were spent on medical care. However, insurance companies can circumvent this regulation by paying themselves, directing above-market payments and end-of-year bonuses to their own sister subsidiaries. This is referred to as “transfer pricing” and has been best documented with PBMs. For example, UnitedHealth can evade the MLR requirement by paying higher-than-cost fees to its Optum PBM, booking that fee as a medical cost. The same is possible with medical providers: insurers can increase fees to their sister primary care or post-acute providers to conceal profits as costs and to therefore evade the MLR constraint."
Is this how UNH continues to have high profits, and how the impact of CMS V28 somehow did not threaten UNH and Elevance the same way as Humana and CVS/Aetna? I think they may be onto something...
"In addition to increasing profits, steering squeezes independent providers and other competitors. In the prescription drug space, the gaming of medication adherence, explained above, diverts business away from unaffiliated pharmacies while gaming quality metrics. As another example, vertical conglomerates that own PBMs can devise formularies and copays that funnel patients to their own pharmacies, squeezing independent pharmacies. The proliferation of “specialty” pharmacies embeds these anti-competitive practices.".
Personal anecdote: I know of independent pharmacies who CANNOT compete anymore due to high PBM requirements, "clawback" penalties, quality metrics that is impossible to achieve, and "out of network" processing fees, that these pharmacies either have to be shut down, or acquired. "Specialty Pharmacies" are basically pharmacies who carry high dollar cost items that may have more stringent FDA counseling requirements, but because now the Marketplace is littered with PBM funnels, most independent pharmacies cannot "enter the foot in the door" of the PBM requirements. Guess who does though? Optum Rx!
"Vertical consolidation in the post-acute setting presents similar steering risks. MA insurers have increasingly been under scrutiny for limiting or denying care through narrow networks, “ghost networks,” and onerous prior authorization. Recent reporting revealed that UnitedHealth and Humana are using artificial intelligence with their conveners, specifically NaviHealth, to drive “clinical” prior authorization decisions and override clinical judgment."
I think I've beaten this dead horse many times already.
"Another way to steer patients in post-acute care is to effectively bring the prior authorization function “in house.” By directly employing physicians, the risk-bearing entity can cut costs by prohibiting or discouraging clinicians from authorizing expensive care. In a 2020 whistleblower lawsuit reported by The Prospect, Maxwell Ollivant, a UnitedHealth-employed nurse practitioner in a nursing home, alleged that his supervisor denied requests to transfer UnitedHealth-MA patients with exacerbations to the hospital. This, Ollivant alleged, was consistent with UnitedHealth’s compensation structure, which gave bonuses to their clinicians who kept patients in the nursing home and out of the hospitals."
Well holy shit Batman, that is more degenerate than a WSB 0-5DTE put taken on a Thursday afternoon.
III. PATIENT “FLIPPING” AND ENROLLMENT ARBITRAGE
" In MA, favorable selection is responsible for another 11%-14% of overspending, or as much as $56 billion annually. Selecting enrollees also allows insurers in MA to game county benchmark bonuses, which excessively rewards insurers with patients in areas of low Medicare spending, to the tune of another roughly $10 billion in excess MA payments. As vertical conglomerates increasingly own physicians and operate in ACOs, similar risks of selection may arise."
CMS is acutely aware of this gaming, however their model hasn't exactly been able to pinpoint how to address this yet. This was discussed in the CMS Final rule comments section.
"More direct than marketing, provider acquisitions allow conglomerates to “flip” patients into MA plans or ACOs by coordinating efforts with sister provider subsidiaries. Conglomerates can initiate the flipping strategy by using some of the steering tactics discussed above. In a recent lawsuit, UnitedHealth was accused of terminating contracts with unaffiliated physicians in order to force the patients to establish care at nearby Optum practices. In another suit, UnitedHealth, with 50% of the MA and commercial insurance markets, allegedly attempted to force the sale of local practices to Optum. UnitedHealth was accused of cutting insurance reimbursement and steering members away from the target practice, and as a condition of insurance contracting, forcing the target practice to give UnitedHealth the first right of refusal upon sale.
I inivite our physician colleagues to comment on this section. I have personally heard of such anecdotes, but further validation is always helpful and will also increase our membership engagement on such complicated subjects
And we now reach the end of page 31. This paper is extremely dense, and required basically a multi-layer DD on top of it to corroborate and create discussion points on the topic discussion.
We hope you enjoyed this half of the mini-series, and we hope to bring you the 2nd part of the mini-series soon as a collaborative post.
Thank you for taking the time to read through this. I hope this provides you with a better perspective on a glimpse of the landscape that I am personally aware. Please submit your comments below on your thoughts
Sincerely
Moocao
​

I was reading the post on her about divy having kids and her saying that there’s other ways to have kids (adoption/ surrogacy) does she not realize she needs to meet qualifications for both? she has no income, lives with her parents, can barely support herself, etc. Surrogacy and adoption arent cheap (plus whatever it costs yearly to raise a kid) it will cost her at least 75k and this is the same woman who won’t cough up the extra 30-50 dollars to get her hair blow dried and styled at the salon and won’t spend 50-150 dollars on a nice travel bag and she will instead keep buying cheap stuff from amazon that won’t hold up (WHICH IS WHY SHE IS BUYING A NEW BAG EVERY TRIP) like is she serious? her parents will never pay for that or even entertain the idea of her doing that without a husband. i’m sure they already know divy probably won’t accomplish those things in life and that’s why they have dylan. i am sure her parents are discussing ing what’s going to happen to divy when they pass away they are not worried about her having kids. also if she wants this life so bad why is she not doing anything to better her chances? why is she on bumble and facebook dating and she can’t even hold a conversation on tik tok live, through comments, or even through text messages and she wants a man who’s in finance? she has no real social life and leaves the house looking any kind of way. the least she can do it put herself together more and go out places and do stuff out the house. does she think these 6’5 blue guys trust fund guys are sitting on FACEBOOK dating looking for a divy to knock up and marry? her standards are way to high for herself especially if she has never ever dated before. what will she bring to these men? she cant even take care of herself imagine her trying to take care of a house and a baby. if she was serious about having a baby she would also get her health under control too. she takes birth control for her PCOS which only masks the symptoms but she needs to change her diet and lifestyle. she eats sugar, carbs, chipotle, and sodas all day. she needs to get SERIOUS

I work for a federal government agency that has financial assistance programs for landowners, ranchers, & producers. We have tight deadlines & turnarounds & the state I am in usually leads the nation in contracts (for numerical value and monetary amount). Of course, we are under staffed, especially within the engineering group.
Yesterday, I went with my boss (Area Engineer, or AE) to what I thought was a field visit, but turned into me questioning if our coworkers (I'll call this person the CO for "contracting officer") actions legally.
The three of us, plus our engineering technician (EngT), met with the landowner(LO) who applied for financial assistance to have a livestock building built through one of our program scenarios. The program scenario states that if you are receiving this funding to build a new livestock building (facility structure), that you agree to close the open feedlot that is currently being used to house the animals.
Roughly a year before yesterday's meeting, the EngT (who is qualified / legally certified to assess these types of projects) determined the project was not eligible for funding since there was not an open feedlot to close. The LO did not like that answer & went to the CO about the situation. The CO then asked the EngT to re-evaluate the situation. The EngT still said no to the project being eligible after the re-evaluation (due to the same reason of there was not an open feedlot being closed), but the CO wanted clarification of what an open feedlot is. The CO and EngT both stated no answers were given to them, & the deadline to get projects ranked (for monetary obligations) was approaching with no communication about the questioned definition. The CO then decided to rank the project with the assumption that the crop field used for keeping livestock in the winter (with designated feeding locations in the field) qualified as an open feedlot, without engineering approval. The CO gave estimated numerical values of the components of the building to determine how much financial assistance the LO would need. No engineering personnel were involved in these building component estimates, & the CO does not have legal certification to create these estimates without supervision. However, the project was allocated funding for the maximum amount ($450,000) after the ranking analysis was completed by our agencey's state office.
At yesterday's meeting it was clear to the AE, EngT, & myself that the CO did not know how to estimate the numerical values of the building components, nor what building components were to be included / excluded from the project. We then (with the LO) went to look at the lot in question for the last year. The lot was open to the crop field, where the LO claimed to use over winter & place haybales along certain places in the field to use as temporary feeding stations rather than use the feed bunks in the lot (livestock still had access for water).
So the question was asked again, does the lot open to the cropfield with designated feeding areas in the cropfield (rather than the bunkers) qualify as an open feedlot to close to justify financial assistance of a building? A final answer was not given, but I found this definition in the Program Manual (policy):
"(4) If an EQIP schedule of operations includes animal waste storage or treatment facility on an animal feeding operation (AFO), the participant must develop and provide a copy of a NRCS approved comprehensive nutrient management plan (CNMP) prior to implementation of any waste storage and handling facility or nutrient management activities. This includes any conservation practice planned for an AFO associated with storing, treating, application, or handling (transfer) of animal waste or organic byproducts, such as animal carcasses.
(i) The requirement for development of a CNMP only applies to an AFO operation where animals are kept and raised in confined situations. As defined in EQIP regulations, AFOs congregate animals, feed, manure, dead animals, and production operations on a small land area. Feed is brought to the animals rather than the animals grazing or otherwise seeking feed in pastures, field, or on rangeland. An AFO is a lot or facility (other than an aquatic animal production facility) where both of the following conditions are met:
• Animals have been, are, or will be stabled or confined and fed or maintained for a total of 45 days or more in any 12-month period. • Crops, vegetation, forage growth, or postharvest residues are not sustained in the normal growing season over any portion of the lot or facility."
So, my engineering judgment & conclusion is no, the lot we looked at does not qualify, by the policy definition, to justify financial assistance of a building. Therefore, the contract should be canceled--releasing those funds to be used by the next qualified applicant. However, I believe that the CO should not have ranked the project in attempt to secure funding without: a) clarification in the definition of what am open lot is, or b) without engineering approval or assistance for more accurate building components estimates (amounts).
Regardless of if the state office allows the contract to be obligated (meaning financial assistance will be provided if the LO completes the agreed upon implementation of practices), would the CO's actions be considered fraud?

I filed a dispute yesterday for a Lyft transaction I was overcharged for ($200 over the original fair) that took over a week to come off pending. The original date to receive a response was June 8th but it updated today while at work to mid August.
I know a dispute takes 10 to 90 days to resolve but last time the date changed on a dispute I was issued a credit 5 hours later.
Does this mean I will get a credit soon or will it still take up to 90 days without a credit? I'm just curious because the funds could help.

First a couple legal acronym meanings for those unaware of what these stand forTRO-Temporary Restraining order EPO-Emergency Protective Order.
I 38f reside in Rverside County, CA. I’m wondering how to go about filing a lawsuit against my former landlord for his illegal self-help eviction as well as him knowingly allowing me to live in uninhabitable conditions. When I attempted to withhold rent and make him aware of my decision to do so, He violently assaulted me, harassed me in many other ways, and retaliated against me in the most unbelievable ways (ie. shutting off my electricity, water and plumbing, witholding my mail, and keeping me from my patients as the house on the property that he owns but doeNOT live in was my place of employment at the time.) He also caused my great financial ruin in one of his attempts to have me removed from the property by filing a false TRO and EPO against me forcing me to have to leave for 6 weeks. I had to shell out thousands of dollars in air bnb fees due to that little stunt. He also never allowed me to gather the remainder of my things as when I arrived to do so, he had random people moving my things out of the unit that I was still in lawful possession of. He not only violated my tenancy rights, but also basic human rights and continues to do so with the tenants that still reside there. I want to stop him from continuing to do so. EVERY single government entity I’ve attempted to get help from (ie. Sheriffs dept, code enforcement, fair housing counsel, adult protective services, but especially the RCSD) has failed me greatly as I attempted to reach out to them numerous times and was told by every one of them that “there’s not much I can do for you”. My landlord violated the restraining order I had in place against him the very day he was served with it and when I called the sheriff about it, they did nothing! He has violated the restraining order more than once and neither time was he held accountable for doing so. The RCSD has been MORE than negligent. I even attempted a call to the watch commander whom pretty much gave me the same crap all the officers did. They keep telling me that they can’t get involved in civil matters when I know for a fact that this is not merely a civil matter but a criminal matter finable up to $100per day he stays in violation of my civil rights. It’s even stated in their penal code. So any attempt to hold him responsible for his blatant violations of my rights have been met to no avail So here I am doing everything to the letter of the law and going about this the legal way, while he’s basically being rewarded for being an abusive slumlord who sees my attempts at legal action as nothing but a game. I’ve got mountains of evidence to back up ALL of these accusations and need help persuing a lawsuit… the problem is…all of my savings were squandered when I had to pay thousands for an Air BnB when I was forced off of the property due to his false claims against me which prompted the approval of his EPO. At the hearing for that TRO, his claims were found by the judge to have no merit and so it was not extended. I attempted to seek payment from him for such expenses at that hearing, but the judge wouldn’t grant it to me bc I had not served him with my answer to the TRO prior to the hearing. I truly feel like I have a solid case here against my landlord and possibly even against the RCSD as I feel they pretty much assisted him in illegally attempting to remove me by cutting my utilities. Like I said though, since I accrued astronomical costs not only on temporary housing, but moving costs as well, my funds have been exhausted. Are there any lawyers that would possibly take my case on a winning contingency? I’ve tried to find one, but keep running into dead ends or just being referred to legal aid services which I always feel are kind of scammy. Any advice as far as what I can do to move forward with this matter even though I don’t have the finances to cover upfront costs?