Life insurance denial appeal letter

In the pursuit of deeper, more meaningful friendships, the environment you choose to inhabit can significantly influence your social interactions. For those seeking to form serious and lasting friendships, astrocartography and relocation astrology can offer insightful guidance. These tools can help identify locations that enhance your social connections and compatibility with potential friends. Let's explore how astrology can assist in your quest to cultivate substantial and enduring friendships.
Utilizing Your Relocated Chart for Friendship
Your relocated chart can reveal astrological factors that support the formation of meaningful friendships:
Key House Positions for Social Connections:

• 11th House (Friendships and Social Groups): A strong 11th house in your relocated chart can enhance your prospects of connecting with like-minded individuals and forming solid friendships.
• 7th House (Partnerships and Close Relationships): Positive aspects in the 7th house can also indicate fruitful one-on-one connections, often leading to deep friendships.
• 3rd House (Communication and Local Community): Beneficial influences in the 3rd house can aid in building connections in your immediate environment, fostering neighborly friendships.

Advantageous Planetary Aspects for Friendships:

• Venus for Harmony and Social Appeal: Harmonious Venus aspects can enhance your social charm and ability to connect with others.
• Jupiter for Sociability and Expansion: Jupiter aspects can bring a sense of optimism and openness to your social life, attracting a variety of friends.
• Mercury for Communication and Exchange: Effective Mercury aspects are essential for engaging conversations and mutual understanding, key elements of lasting friendships.

Planetary Combinations Favoring Strong Friendships:

• Sun-Moon: Encourages balanced and harmonious interpersonal relationships.
• Mercury-Venus: Ideal for friendly communication and shared interests.
• Mars-Jupiter: Provides the energy and enthusiasm for socializing and expanding your circle of friends.

Astrocartography for Finding Compatible Friendships
Astrocartography can identify locations that might be particularly favorable for forming meaningful friendships:

• Venus Lines for Social Harmony: Locations under Venus lines can enhance your ability to connect with others and form harmonious social relationships.
• Jupiter Lines for Social Growth: Jupiter lines can bring opportunities for meeting a diverse range of people and engaging in social expansion.
• Mercury Lines for Communication: Mercury lines are excellent for fostering clear and engaging interactions, making it easier to form bonds with new acquaintances.

Integrating Relocated Chart and Astrocartography for Social Success
By combining insights from your relocated chart with astrocartography, you can pinpoint locations that maximize your potential for forming significant friendships. For instance, a strong 11th house in your relocated chart, along with a Venus line in astrocartography, could indicate a prime location for building a fulfilling social circle.
Natal Chart Considerations for Friendships
Your natal chart provides foundational insights into your potential for forming friendships:

• Natal 11th, 7th, and 3rd Houses: These houses can reveal inherent tendencies in forming friendships, engaging in partnerships, and interacting within your community.
• Natal Venus, Jupiter, and Mercury: Their placements can offer insights into your natural social appeal, capacity for friendliness, and communication style.
• Aspects to the Midheaven and Ascendant: Can influence how you engage in public social settings and present yourself in interpersonal relationships.

For those looking to build more serious and meaningful friendships, astrocartography and relocation astrology offer valuable insights into the best environments for fostering such connections. Understanding the astrological influences of different locations and their interaction with your natal chart can guide you in finding communities and social circles that resonate with your personality and values. However, the success of forming deep friendships also relies on personal effort, openness, and the ability to nurture and sustain relationships. Balancing astrological insights with genuine social engagement and empathy can lead to enriching and lasting friendships.

I have been leasing a Nissan Kicks for the last 19 months. I have 17 months left of payments equaling $388 a month or $6500 to pay off. I have really been wanting an electric car.
I have found a 2015 Ford Focus electric at my Nissan dealership 45k miles for $9000. Rolling in my negative equity equals out to $15500 although they mentioned there may be a rebate of $3000. I could pay that off in under a year.
My son works for Lexus and thinks that is a terrible decision as the risk of owning the vehicle is high. He wants me to lease a new Toyota BZ4X which start at $240 a month. I would need to again roll over the negative equity so my payment would actually be closer to $450.
My commute is less than 20 miles round trip. I’m not a huge car guy although I do really like fancy tech in my vehicles. The Ford does not have Apple Car Play which would be a negative but otherwise was fine to drive.
So option A I get a car I own and would probably drive for at least 5 years or more (although maybe not, I do get bored of my vehicles frequently which is why I tried leasing). Option B I get a new vehicle and don’t have to worry about maintenance at all but don’t own it.
Monthly income $13000 Mortgage $3100 Wife’s car $700 (should be paid off in 1.5 years) My current car $388 Utilities (internet, trash, water, electric) $500 Phone $200 Horse $540 Groceries $1000 Car insurance $185 School loans $171 (should be paid off in under 2 years) Patio loan $415 (should be paid off in under 3 years) Line of credit $250 (will be paid off in 4 months) Solar panels $175 (unsure is I’ll pay them off or sell with the house - we plan on saving up to build a new home over the next 10 years).
We are pushing to pay off debt and just finished paying off our credit cards of $32k over the last year. However we also want to enjoy our current life so we are not cutting bare bones (still eat out, go on vacations, etc).
Do I go with option A, option B, or just stay with my current lease.

Sharing my experience as a data point for anyone dealing with Chase after bankruptcy.
I discharged significant credit card debt in a Chapter 7 bankruptcy that was completed in September 2020. The filing included credit card debts to Chase for something on the order of $10-15k. It is now May 2024 and I was just approved today for a Chase Sapphire Preferred with a $5k CL.
I had applied in October 2023 for a CSP and was, as you would expect, denied. The letter showed a TU FICO of 677 and cited the following reasons for denial:

• Credit report shows too many recently opened accounts
• Balances on credit card accounts are high compared to credit limits
• Credit report shows current/past bankruptcy, charge off, public record

Makes sense. Called reconsideration anyway and, after a couple HUCAs, got to someone who wasn't violently disagreeable and argued the unarguable. I remember them being very understanding and compassionate and it felt like they went through everything they could to try and get me approved. Unfortunately, they were not successful, but they seemed optimistic (although would not cite why) that I may get an approval if I try again long before the Chapter 7 is off my credit report.
I want a new mattress and, knowing about the 5/24 rule, I figured I'd burn a hard pull on Chase again as a hail mary, knowing I had other options for financing or cash if/when denied. I applied for the CSP late on Friday, May 17 and was denied as expected. I woke up in the morning to the notification letter which now only had one denial reason: "Your credit report reflects a bankruptcy". Trans Union was cited but no score provided.
I called reconsideration at 1 PM, waited on hold for 40 minutes, got to a normal CSR (maybe I put in a wrong option?) who seemed (understandably) perplexed that I wanted to speak to an analyst when the letter clearly said I had a bankruptcy, but he put me through anyway. I didn't wait on hold more than a minute or two and an analyst came on.
The analyst was very pleasant and again seemed understanding and compassionate. I explained that while I know it's extremely soon after my BK, I've established significant credit lines with Apple ($12k), Ally ($5k), Mission Lane ($5k), and Wells Fargo ($5k and $2.5k), my collective utilization is well under 20%, that I'm considering a major purchase of a mattress, and that Chase was my first pick for who to do business with if I was going to open another line of credit. I did not mention I burned Chase, although it would be trivial for her to see it on my credit report. She asked if she could put me on hold and said she would come back every 3-4 minutes to check on me.
She came back some minutes later and asked me why the balance on my Ally card was proportionately higher. I explained that they had a 0% APR balance transfer promo that I took advantage of to round up what little CC debt I had while paying it off. She said that that made sense and asked if she could put me on hold again. I waited quite a bit longer than 3-4 minutes but she came back, her tone flat. She said that she'd reviewed my application and had to hand it off for a second approval. I was so surprised I failed to ask for what that meant and instead just thanked her profusely and hung up.
I called the status line and it gave the two weeks message. I then compulsively called and checked every 10 minutes for the remainder of the day. Nothing changed.
Today I woke up and called the status line to learn that nothing had changed. This time, I connected to customer service instead of hanging up at around 10 am. A regular CSR answered and I asked if they needed anything from me to finish processing my application. This time the CSR sent a one-time passcode to my phone (they didn't any other time). He put me on hold a minute and came back to ask me about my phone number. I don't know why he did as the phone I was calling from, the phone number I gave him, and the phone number on the application were all the same but I clarified anyway. He said thanks and asked to put me back on hold.
He came back a couple minutes later and told me congratulations and that I was approved with a CL of $5k. I explained the mattress thing and he got me over to someone who expedited my card delivery, saying it should be here Tuesday.
My current TU FICO8 is 691 and I have an annual income of $108k. I have roughly $40k in student loans, a leased vehicle, and maybe $4k on CCs. I don't know if a cosmic ray caused their systems to glitch or what but here we are. What a wild ride.

Who is Francis Sinclair? (quick recap):
Francis Sinclair was born in 1898/1906 to parents Tom and Mrs. Sinclair. His father died before he was born, so his mother had to take care of him. When he was younger, he lived in Hawks Eye Cabin outside of Strawberry with his mother. He moved to New York City and lived an affluent life before traveling to the Old West period in the 1920s/1930s.
Francis Sinclair is first met in a cabin outside of Strawberry and tells his story about hunting for rock carvings around the world. He says he will pay a good price for all ten of them, but doesn't say why.
After the player sends him letters pointing out the rock carving locations, Francis invites them back to his cabin, but will be mysteriously absent. In the end of the quest-line, a woman appears in the cabin with a ginger-haired baby named Francis. After the protagonist expresses their confusion about the situation, Francis' mother asks the player for their name, but after finding out that the baby is actually Francis, the astounded protagonist tells her that it's not important and leaves.
Francis Sinclair seems mysterious and talks quickly. He speaks in a strange dialect and uses slang the protagonist doesn't understand.
After finishing the Stranger quest "Geology for Beginners," his notes and drawings are revealed to the player. They suggest that he may be a time traveler. His documents show a figure who jumps between the past, present, and future. Francis was interested in rock carvings that depicted skyscrapers, a big city, an atom, and a nuclear explosion.
How Francis Sinclair is (and isn't) connected to Grand Theft Auto:
Francis Sinclair has a strong accent that was popular in American culture in the 1920s and 1930s. The fact that he was an infant in 1899–1907 suggests this. Sinclair's Business Card has a picture of an hourglass with wings on it that represents time and travel. He wears a belt and trousers with belt loops, supporting the idea that he traveled through time. Before the 1900s, people only used belts to carry things instead of keeping their pants on. Also, pants with belt loops didn't exist until 1922.
Francis is similar to another time traveler, Ernest Keigel, a character who stars in the Grand Theft Auto: Vice City Stories radio program called The Time Ranger. - Both of them speak with a Transatlantic accent. - Both have a decent understanding of science. - Both are fast talkers. - Both use 1920s and 1930s slang and are thought to have lived within the time period.
This is where Rockstar Games mostlikefully got the inspiration for Francis Sinclair, a person from the 1930s time traveling through various time periods.
Francis Sinclair resembles Kraff, one of three false deities worshiped by the Epsilon Program in Grand Theft Auto V. However, the character's portrayal and background contradict every aspect of Epsilonism (red birthmark, prohibited red hair, time travel science (general relativity), contradictory years with Epsilonism's creation and their Young Earth beliefs, setting in an unrelated universe, etc.), making the possibility of being a reference unlikely and simply a coincidence. Nevertheless, his unique birthmark is never employed for any religious reason; rather, it is designed to serve as a plot device for a more significant revelation during his last on-screen encounter, allowing the player to easily identify him in his "second form."
The mural doesn't solve a bigger mystery. It shows different time periods, and there's no hidden message to find. Some things are not puzzles. Francis Sinclair is a geologist who is looking for rock carvings that have already been found. The history book he always has with him demonstrates that he only wants to put them together so he can find the answer faster. Geology is the study of pressure and time, but he clearly is obsessed with this puzzle he doesn't have an answer for because it has to be put together first. Francis is not doing this to help a religious group. He is doing it for himself because that's how science works in the Red Dead Redemption Universe.

I AM DESPERATE...AND RESORTING TO SEEKING ADVICE HERE...
Poly GPA - 3.6 Diploma in MedBiotech
I am trying to get into lifescience/bioscience and unfortunately got neither. SIT's pharm eng career pathways included biotech which is why i tried to go for it though.
But honestly? CHANCES ARE I CAN ONLY PRAY TO EVEN GET A PASS AND I'D BE HAPPY... Then I spoke with my colleagues and looked up a little and was informed if I do not wish to cont biotech and maybe enter Pharm industry it's very competitive so I gotta aim to do well...
TCM is something I've been interested in but I'd rather do this later on in life as a second degree or something. My chinese is not that fluent, and I'd probably dive into R&D because I don't prefer interacting much with people. However i was informed that if I wish to R&D chances are I'd still have to spend time taking exams after Uni for a license depending on the research. It'll take me 2hrs of travel time as well choosing NTU...
My friends currently studying in Uni are telling me to choose something I'd be more interested in because it's really tough but my family told me to do Pharm Eng because I will earn more and it's more sustainable. However, the reason why I'm even stuck in this dilemma because Idk if I can even pass a single module other than the elective...
I'm planning to appeal in Bioscience in NTU but i'm not sure if I'll be able to make it considering how it's my second time of applying and I still did not get an offer for it.
I did try applying to NUS as well but I got rejected.
Is it possible to get some advice on what do choose...

Mine would be
The Unraveling- Everchanging
RPM- Heaven Knows
Siren Song- Life Less Frightening
TSATW- Chamber The Cartridge
Appeal To Reason- From Heads Unworthy
Endgame- Survivor Guilt
Black Market- Zero Visibility
Wolves- Miracle
Nowhere Generation- Talking To Ourselves

I am not the OOP. The OOP is u/Hopeful_Picture586 posting in AmItheAsshole and her user account
Concluded as per OOP
2 updates - Long
Original - 1st June 2022
Update1 - 2nd June 2022
Update2 - 16th October 2022
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AITA for refusing to go to my daughter graduation ceremony
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I (40sF) have a daughter (18F) who I’ll call Belle. When she was younger, her father (broke up before she was born) was very involved in her life and she was admittedly a “dad’s girl” but this all changed when she turned 8 and he got married. He barely called and just abandoned her for his new family. This was obviously hard on her and she rebelled a lot. But she went to therapy and seemed good. Belle has not seen him since she was 12 and he speaks to her maybe 3 times a year maximum. When he calls, she believes he is now back in her life for good then he ghosts her for the remainder of the year. This being said ,Belle and I have a great relationship, we do everything together. She even refers to me as her best friend so I’d say we have a good relationship.
Recently was her graduation and I was excited. But then she came to me a week before and told me she is going to invite her dad and his son. And cos her dad doesn’t want to see me, I can’t come. Belle told me that was the only way he was gonna go. I angrily told her, I felt betrayed and wont forgive her for this. She just told me I have been there for many of her milestones and she wants her father to experience some too. Things got heated and we argued.
The night before her graduation, I pleaded with her but she ignored me when I spoke. And only said “I’m sorry but I’m not changing my mind. I left and cried until my sister offered to take me out during the graduation to take my mind of it and I agreed.
I woke up the next morning to my daughter bawling her eyes out. I looked at the time and realised the ceremony starts in 5 minutes. I asked Belle why she hasn’t left yet. Belle then tells me her father ditched her and isn’t answering anymore. I hug her and tell her to make the most of her graduation. She looked shocked and asks if I’m not going to the ceremony now her father isn’t anymore .
And how it’ll be embarrassing to be the only one there without parents. I told I’m sorry that I already had plans. She then screamed and called me a bad mom. I apologise once again and got ready to meet my sister. I chose not to go because I felt betrayed and wanted to teach her actions have consequences, even if it broke me that i didn’t go. Since Belle returned she hasn’t spoken a word to me. And she looks depressed and like she’s been crying for ages. I’m starting to regret not going.
My sister says I did the right thing, but one of the moms at my daughter school said she was depressed at graduation and now I feel bad that I ruined what was suppose to be a day to remember because I wanted to teach my daughter a lesson. So aita?
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Comments
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Mad_Cowboy_64
NTA. You gave her an important lesson about maintaining relationships with the people who are there for you and not blowing them off for the next new thing that comes along.
Agitated_Cheek4890
I fully agree. Daughter treated her horrendously. Daughter might now go NC but she would be an AH to do so given how she's treated her mother. ETA: thank you for the award
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Awkward-Wasabi-9262
And OP stop apologizing. You didn't do anything wrong. The more you apologize, the more your daughter believes that her was right in her actions. At best you can say "look, I understand you're hurt and I'm sorry you're upset but this is a consequence of your actions."
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Update - 1 day later
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I don’t think I’m a bad mom for this one thing. And I accept the judgements and read everything. To answer your question: Belle does go therapy. This isn’t the first time Belle has ditched me for her dad, she been doing it for 10 years. This is the first time I have said no to her after he father abandoned her. I have asked her therapist, if Belle is being manipulated. and she said no based on Belle and her father’s messages, and my daughter is just grasping onto a reality that isn’t there
Update: I went to my daughter and apologised for not going to her graduation. I also explained that it is not a nice feeling to be left out and I feel under appreciated. Also, that is fine to want her father there for her, but I should too. Belle told me that she’s sorry things ended this way and that she loves me(hugged me)and wants things to go back to normal. And that she acted like a bitch. I told her nevertheless I should have been there and if I could do this all over again, I would’ve gone. ( honestly I said this as I thought she now knew her dad can’t be trusted- and I felt for her).
Then I asked her if she regret uninviting me in the first place and unsurprisingly she said no. This hurt me but I figured it was because I didn’t go so it was understandable. But no, she continued saying that it was probably best I didn’t go because she would’ve been more miserable as she would have preferred her dad to be there anyway. Then I got pissed( I didn’t show it). I told her my feeling were hurt, especially since I’ve been there for her.
And she said that she’s always going to want her dad there for her big moments. I asked, even at the expense of me and knowing he most likely won’t show. And she replied “ I mean if I have to make sacrifices, I’m going to, to have my dad there. I repeated the question as she seemed to be swerving it but she just shrugged and went on her phone. I told her not to expect everyone to apologise and turn a blind eye when she doesn’t value them in the real world. And i also said, knowing how she feels, don’t expect another apology from me and this is the last time I’m doing this. She looked tear eyes but I left.
I don’t know how other parents do this. I know her father is going to keep abandoning her and honestly I’m at my limit. And If I didn’t know whether I was wrong or not before, I definitely know I was right in not going. I know I’m going to get a lot of backlash saying this but I’m bitter and angry. I understand wanting her dad there but I should be on the same level of importance as him. I’m still going to be there for her when he inevitable ditches her again but if this behaviour carries on to her next graduation or wedding day. I can’t say I’ll be that apologetic to her. I should’ve just listened to NTA.
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Comments
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Alibeee64
Can I ask why her dad didn’t want you at the ceremony? It sounds like you don’t have an issue with him, but he obviously has one with you. Perhaps your daughter needs to work to understand this, as he seems very vindictive. If she doesn’t learn to set boundaries with him, what is going to happen when he makes similar demands at other important life events like college graduation, or her wedding? Is she going to expect you to keep letting her run over you emotionally in order to accommodate her dad’s crazy demands, especially when he keeps letting her down. And is she going to spend her life chasing after men who emotionally distance themselves from her because her relationship with her father has taught her to do this?

OOP: Honestly we broke up on good terms. I haven’t spoken to him in years though. And when I have seen their messages, it’s always small talk and nothing about me. So I don’t where this came from.

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Update - 4 months later
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I’m sure no one asked for this update but here goes.
I’m going to refer to Belle's father as Frank.
For the past few months I’ve done a lot of reflection. Although, I can’t say I regret not going to B’s graduation ceremony, I do wish I handled the situation more like an adult. Growing up, I was taught never to ask questions I don’t want the answer to and that is exactly what I did with my daughter. I shouldn’t have asked if she regretted uninviting me because truthfully I didn’t want to hear the answer. And for that, i think I acted childish.
To clear up some misconception: I don’t speak to Belle’s father simply because he refuses to be cooperative. Also, when I said Belle referred to me as her “best friend”. This doesn’t mean I treat her like my equal. I do parent her, she did get grounded and got her phone taken away when she misbehaved at school etc( which is rarely). I think she calls me that because she feels comfortable to talk to me about everything.
Now to the update: There was an incident after, where Belle wanted her dad’s help her move into her college apartment before term started but he refused because he “had work”. She begged for weeks. The whole 3 hour ride to her college was her crying hysterically. My sister consoled her but if I’m being honest I was pissed. Pissed at my daughter as she refuses to go therapy anymore, but seriously pissed at my ex.
It took me ages after graduation but I finally got in contact with F’s aunt. I explained the situation and that I need to get into contact with him as he’s either ignoring or not getting my messages. He ended up sending me a very long letter. In a small nutshell, it said that my daughter has been stalking and threatening him and his family and he’s been trying to have a healthy relationship with her but she keeps being aggressive so he had to distance himself.
He acknowledges he hasn’t been the best father but he tried for the past few years and Belle is too aggressive so he had to put the safety of his family first. As for the graduation, he wrote that he definitely refused to go. And only said it was probably for the best as I probably wouldn’t feel too comfortable with him there. He said not to contact him again and that we’ve done enough damage.
He added photocopies of messages between him and Belle, where she “says” deeply troubling things, like physical threats. Personally, I thought everything he said was BS and misconstrued. I spoke to Belle and told her of her father’s accusations. She broke down in tears hysterically and admitted that she hasn’t been the nicest to Frank’s wife and child (understandably) but she never threatened and stalked them. I was trying to calm her down. I told her I believe her and suggested therapy. Then she turned on me, blaming me for the breakdown between her and her father relationship.
She swore at me and broke stuff. She told me to stop trying to villainize her father, when I’m the problem. She called me a burden and cancer and said I should’ve stayed out of her business. I was called a bad mother and told I should burn in hell. To be clear, she was never violent towards me. She packed her stuff and left, presumably back to college. Me or my family haven’t heard from her since. I called and called but only got one message from a random number telling me to leave her alone. I told her I’m always here when’s she’s ready to talk.
It’s been 2+ months since I spoke to her. I’ll never admit this to anyone but honestly I feel relieved. My self esteem plummeted and I felt dead for the longest time because of this situation. I’m going therapy and feel the tiniest bit better. I finally went on a date yesterday for the first time in a decade, without getting guilted. In hindsight, mine and B’s relationship were no where near perfect. I don’t know what more I could’ve done but I wished I did more. She’s my child and she was a victim of an overall shit situation.
Sorry for the long update.
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Comments
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maybemaybo
I'm guessing with the graduation he likely said something like "and your mom probably wouldn't be comfortable seeing me.." in an attempt to let her down politely.
And that probably led her to go "well if I uninvite my mum, problem solved!" refusing to actually see the truth, that he won't come because it doesn't fit in with their fantasy.
I would honestly reach out to F's family member and say "pass on that he should use these threats to try and get a restraining order" because now she's cut you off, who knows how much more desperate she is to get to him.
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I am not the OOP. Please do not harass the OOP. Please remember the No Brigading Rule and to be civil in the comments

I need to get out of an emotionally abusive relationship, I’ve come to terms with that, I’ve accepted it, but I don’t know how to execute it. I work 45 hours a week already and am burnt out as it is, and am barely scraping by with bills between car payments, insurance, vet bills for my cat, food and other basic necessities. I still have 3 years left on my car payments and I feel like my only option right now is to just wait out the 3 years so i will have the extra money to live on my own, but 3 years is a long time when I’ve already spent 6 in this situation and I’m almost 30 and I just want to start my life but I am stuck. He convinced my to get a car payment and I thought it would be fine because he pays the bills, in hindsight all it did was make it so I am trapped here🙃 can’t just turn the car in either I definitely need it and am over halfway done paying it off so doesn’t feel worth it to start over even if it’s a little cheaper but that’s also an option but I don’t think a couple hundred would help. I don’t have family to stay with. I don’t know what to do anymore.

I thought any form of autism was allowed in the army as long as it’s not severe to the point where you can’t function without a careguardian.
My friend is just like any other person, and his Asperger’s seems very mild and most of the time you wouldn’t even know he had it.
He got denied for a self harming incident 12 years ago when he was still a little kid and the doctor left a note on his file saying that it was “without trigger” meaning he basically just did it because he felt like it, like he’s some sort of psycho, (he was 13 when this happened.)
What are his chances of succeeding an appeal if he gets a psych evaluation and fully explaining that he is completely fine to serve and it’s all he wants to do with his life.
Advice is much appreciated, and good luck to everyone else on their applications (I’m currently waiting for assessment date).
EDIT - it says on his denial that it coincides with him having a clinically defined mental disability (Asperger’s) that lead to the self harm.

Hi, so I'm an UPCAT 2024 passer, and I was offered admission to a course in UPD. Though, i am grateful for the offer, i would actually life my first choice or which is BS Psych (tbh i could even want BA Psych rn TT). My friends say daw that upd doesn't accept recons or appeals no matter the form. Pero when trying to confirm my slot for upd it says here na "if you agree to accept the offer, or be considered for waitlist status either in a specific degree program or a degree program with an available slot. If this is not applicable to you, indicate accordingly in the space provided in the Online Acceptance Portal." So my question is

1. Would there be a chance this year for "Qualifiers' Appeal"? If so, i need to accept the course offer from UP right?
2. Tbh i'm just lost with Speech Comm as a course and i don't know what steps i should take if i really want to pursue psychology
3. Laslty, my upg is the one being considered if there is an appeal this year? If so, how would i check my upg?

Dear X,
Thank you for everything. Thank you for coming to my life. A year knowing you is one thing I feel grateful in my entire life. I learned and experienced so many things. But I know that maybe we have to go on different paths. Living without you is painful, but staying with you is going to hurt me more. I don’t want to say that you deserve better, it is me who deserves better. Someone told me about the 3 loves theory. And you are my second love theory, so I am optimistic that I am going to meet my third love and it’s going to be my last, more powerful and he’s the one was meant for me. I have accepted that we have no chance to be together, and I have let you go. Go find your happiness because that’s what I do too, find my own peace, happiness, and freedom. That’s my life purpose before I met you and I will chase them again.
I will write more letters for you, but you’ll never read it. I will destroy all the letters I write to someone dear to me while I am on holiday in Bali next month, including my letters for you. You are my past, I will treasure my happy moments with you in my heart, but it will never affect me anymore. I’m ready to face my life ahead. My peace, happiness, and freedom are waiting for me, and I hope you’ll find what you’re looking for too in life.
Good luck and farewell my dear. If you have a time, I hope you’ll think of me. I present the song “think of me” as a goodbye and “my heart will go on” as a reminder of our love.
Your dearest best friend, V

Just a little bit of a back story. I have been sick for the past year and half. My blood levels have been low and the drs don’t know what the cause is, is it it an iron deficiency or something worse. So they began doing a series of infusion treatments on me to see if my blood levels would rise. While this has been going on I was still working but thankfully my employer was understanding and said whenever I needed to go rest just make up the time where I could. I am a contingent employee under contract so I have no pto or sick time. So I cant necessarily miss because I need the money to help support my spouse and children. I also home school one of my children.
During this time because I have not been performing in the bedroom with my spouse because I have been sick and exhausted. It is not like I didn’t want I just physical could not. This past Christmas while I was working I sent a Text to my husband just telling him thanks for taking to me the dr the other day. He responds with I want a divorce. He then proceeds to tell me I am soul eater that I am drag him down and now that he has lost weight he wants to explore more options with his body that couldn’t before and I am not giving him sex everyday like I use to. He asked me for an open relationship. I said this is not a conversation to have via text come home. At that point I was worked up at my desk while working and not feeling the best.
He comes home and completely avoids me. I tried engaging in conversation everything but he went straight to his computer ignoring me. The next morning I woke up and tried engaging in conversation again he ignored me until later that evening. during the conversation he began a by saying he wants to leave because he doesn’t believe I respect him or appreciation him and he doesn’t feel in control of the relationship further more me being sick is exhausting and the children we adopted do not respect him either.
I sat their in a daze because something was not sitting right with me. I asked if there was someone else he initially said no but then I said you’re lying and he confessed he was talking with his ex and that they had been sexting. He said it wasn’t affair because it was not physical however in our first year of marriage he sexted someone and I sat the boundary that it was not ok! Fast forward 10 years he did it again.
On Christmas he decided to leave.. imagine having to tell the 2 kids you just adopted on Christmas it wasn’t their fault because they were blaming themselves due to the comment he made as he was leaving he stated “don’t let your mom get in your head like my mom did when she divorced my dad…” what why would say that! I explained to the kids that we were just in a rough spot and no matter what happens we love them unconditionally and nothing is their fault because our younger son was saying if him and his brother didn’t come in the picture none of this would happen. Worse day of my life especially. The next day he messaged and asked if we were going to his moms to celebrate Christmas and that k got what I wanted he had to sleep in a parking lot. I told him not to sleep in a parking lot and for the sake of the kids come home. But if he were to come home this thing with ex had to stop. The only reason it began because I wasn’t given him attention and she is going through a divorce and gave him everything he needed that she was better than me in all aspects. I sat there and cried. He the canceled my health insurance.
He came home and I went to the bedroom to sleep he texted me and said o you can’t come out here now that I came home. I go outside the room to talk to him and he told me I needed to speak to a therapist that I am crazy and a narcissist. That he is going to stay.
I began speaking with a therapist paying out of pocket and told her everything that occurred and what he had said and done and what I have said and done and that I was really nervous about being a narcissist and if I were a narcissist. After speaking with her for a moments she told me I wasn’t a narcissist but I do suffer narcissistic victim syndrome and that I live with my narcissist. I told her I was having a hard time with forgiveness with the other girl because if she was going through a divorce because her spouse cheated why would she do that to another person. The therapist was to ask her.
So I took her advice and I sent the message. She responded. We had a completely adult conversation she stated she begged my husband not to cheat but he led her to believe we were in an open marriage. She reassured me going for she would not be a bother anymore and I thanked her.
Fast forward a couple of days I get a follow on my instagram from a girl I use to work with. I have spoken with this person in years but i remembered her because she was so nice. So I sent her a private message that literally just said hello how are you? She responded as if I was trying to get intel out of her regarding my spouse and was so nasty. I sat there crying not understanding why this person was so mean and spouse what is it. I said this girl we worked followed me and I sent her message saying hello and she goes off about you what the hell are you telling me people. He said nothing I am not telling anybody anything.
So I messaged her back to shut the conversation down and showed the screen shot of where she followed me and I wasn’t even following her. I told her not to make up lies about my husband then she sends me a screenshot of her and my husband convo he had villianized me to her. I thanked her for the message and blocked her. I fwd a screen shot of the message to his phone and set in silence. He responded “Yeah? And? Be sure to bring that up to your therapist too. Way to send us a whole step backwards because you can't talk to me like an adult. I lied about not knowing because I wanted to see how far you would take it.”
The goodness out of all this is I am no longer a contingent and next month will have health insurance again to start back my infusions treatments to determine why my blood levels are low fingers crossed it is an iron deficiency.
Am I the asshole for wanting a divorce?

I have 2 dogs. 8 year old and 4 year old. Both about 70 pounds. When I don’t work I walk them for an hour to an hour and a half everyday. I take them to parks and stuff. We have a blast. I start working a job that drains me to the point all my free time I spent laying in bed when I’m home and I feel like I can’t decompress or recover. I haven’t been walking my dogs for a few months now … idk how to do it. My dogs are unpleasant to walk together too. I’m on a waitlist for a trainer. And going for two walks seems impossible.
I was considering alternating days but I truly feel like I’m in a trauma freeze from how much I hate this job and how much it’s taking away from me. I don’t even make good money but I’m stuck here until my contract ends. I have 3 weeks left and then I feel like I will have time to walk my babies again.
I hate this disease. I hate it so much. It ruins my life. I can only do one thing a day and working 5 days a week is ruining every aspect of my life. I gained weight, I’m not taking good care of myself. I feel like a complete mess because I have no energy left after work.
I work with 5 year olds. 20 of them. I am overstimulated from 8 am to 3:30 pm everyday. All day. It drains me to the point I have considered admitting myself to a psych unit to escape work..
I need to take care of my babies and walk them please help. I tried getting on meds but all the places that take my insurance aren’t accepting new patients. I feel like I’m at the end of my rope here and ready to give up.

25M fresh grad here. Parents bought AIA Prime Life Special (AA) since the year I was born, $50 monthly premiums with the following coverage:
Death: 60K
Total Permanent Disability: 60K
CI: 30K
Upon reviewing my policies after graduation, I realised parents took a policy loan many years back, let the interest accumulate and now there's an outstanding loan amount of ~8k. They've never mentioned this to me until I checked. My surrender value as of now is ~17k.
Question: Should I surrender the policy and repurchase a new policy? Am looking at term insurance with higher + more coverage (e.g. ECI) Or should I pay off the loan amount and continue?
Would appreciate any advise please, thank you in advance!

Want to take out £100,000 out of my life insurance is it taxable? While I'm alive wanted to enjoy my money.

Always another fantasy. Another kink. Wanting to invite another in. He says never say never. We'll I can and will. If he does not like that I am not the girl for him. He needs to decide if I am enough. If I am not, nor will never be just tell me that. It will shatter my heart but we have been together 12 years. Better now than in another 10.
We had been very sexually compatible. Learning BDSM together, watching porn together. He could have sex anytime, anywhere. A blow job whenever. I never withhold sex. He does. I feel I am a confident beautiful woman. I have sex appeal.
He just keeps pushing. We joined a sex site. We have even had sex in front of others which I love. He wants to swap, he has a fantasy about a 3some with a transwoman. The fantasy is not a problem at all. I peg him and feel every man should try that once with the right person. The male g spot if no one has ever told you. To me a fantasy is that. Something exciting and forbidden that turns you on. If something makes your mate hurt or sad then you do not keep pushing. I want to feel as important to him as I feel he is to me. My fantasy is to be with 4 guys at once. All guys I know. Including him. I do not even share this fantasy. That would hurt him. He knows I have fantasies about swapping, 3somes, him with 2 girls, the transwoman fantasy, seeing him kiss and make out with another. Those are FANTASIES - I do NOT EVER want that in real life.
How do you get past this? My mate just does not get it, he really truly doesn't seen to give a shit how it makes me feel. I can not, nor will ever be able to be a transwoman. I am a woman through and through.
If he is gay or bi. He probably needs to explore that. Let me go!!! Quit holding my heart hostage. I know I can leave. I love him with every fiber of my being. I just can not do it. I have the means and the money. It just would hurt my heart so badly.
I see so many women in this exact situation. We sound like broken records with our mates. Advice would be great. From woman in this situation. Guys in his.
Thanks! I have lurked for a couple years on reddit. Just got brave enough to start asking questions.

Recently had to sorn my car as I didn’t realise the law around continuous insurance for taxed vehicles. (I’m a young driver and a student so I wanted to be able insure my car on and off) took them 8 months of me doing this (completely unknowingly) and then I got a letter in the post threatening fines / criminal record if I didn’t insure/sorn my car within 28 days or if they see my car is taxed but uninsured again.
Anyway I’m back for summer and my MOT is due so I want to get that done. However because I’m a young driver the insurance policies available to me are extremely limited in the first place and my go-to best value insurance will not cover an untaxed vehicle full stop.
Can’t tax my vehicle (or take it to MOT) without an insurance policy so I need to purchase extortionate temporary insurance to do that all for a day. But then I have to wait the standard 2-5 working days for my car to show as taxed on the online database, else my normal insurance provider will probably reject my application.
TLDR My question is this: can I get away with leaving my car functionally taxed but uninsured for 2-5 days whilst I wait for my car to show as taxed online? (obviously I wouldn’t be driving it) or do I have to suck it up and pay hundreds (literally) for a whole week of temporary insurance to cover me for that processing period.
Bit stuck over what to do about this because I don’t want to fork out hundreds for no reason but I also don’t want to get fined. Surely there must be some leeway because people have to switch their insurance policies all the time right?

I'm looking to take a break from my Vet Tech program.
I recently lost my health insurance, and in turn lost all of my medications and therapy. My mental health took a huge hit because of this. I have other stresses in my life such as bills, looking for a better paying job that has better benefits, etc.
My concerns about taking a break are these:
Will I have to pay the rest of the tuition for my program? I already have student debt from dropping out of college before, I don't need more debt.
Will I be able to pick up where I left off at a later date?
I'd like to finish my program but the stress of everything is really effecting me. I need time to sort myself out.
Any help or advice is appreciated. Please no sarcasm or snide remarks. I have enough going on as it is, I'm just looking for advice.

I am seeking someone with whom I can engage in deep conversations, exchanging thoughts on how we live our lives, our perspectives, and what we make of existence as we await our inevitable demise. I am looking for someone whose outlook on life aligns with mine, with whom we can collectively find the best way to live out our allotted time. Together, we will share our plans and goals, discussing our understanding of various matters.
I'd love it if, when you decide to write to me, you could tell me why you're reaching out and share a little about yourself. It'll help us start chatting smoothly.
Some of my reflections and views on life: - I've come to realize that happiness for me won't come from having a big house, an expensive car, or even a family. Happiness, for me, lies in improving people's lives. Eventually, I'll die (like everyone else), and if I only live for myself, it would be meaningless—everything will go with me to the grave. But if I create something that improves people's lives, something that remains even after I'm gone, it gives meaning to my own life and brings me hope and happiness. I'm willing to dedicate my life to this, to improving the lives of others. - I'm interested in philosophy not just as a hobby, but as a necessity for determining the direction of life and how to approach it, understanding what to do in this life. - I often ponder the meaning of life in the face of inevitable death (because what comes after death greatly influences what to do with life). - I'm interested in what to do in life and how to spend it. The typical scenario of finding a job with good pay, buying a house, starting a family, retiring, and dying doesn't appeal to me (but I don't have anything against it).
If you feel the same way, I'm excited to hear from you.

Hi Pubtips, I've been lurking here for a while and I'd like some feedback on my query. I've read a lot of about what good queries tend to be like and I'd like to think I've followed those guidelines but I'd appreciate a second opinion. This isn't the first book I've written but it's the first one I've ever tried to query. Thank you!
Dear [agent],
When the immortal Nelle Foster wakes up from a century-long sleep, she finds herself in a world she no longer recognizes. On an ailing estate in Southern England barely kept afloat by George Harridan, great-grandson of a man she'd once been close to, Nelle now has to come to terms with a past that had chased her into an endless slumber in the first place. That's when Maurice Howler, a secretly immortal philanthropist and socialite, persuades her to use her magical abilities to help save the world, accidentally dropping her into the middle of a love triangle between Maurice and his old friend and secret crush, Daniel. Among this cadre of ancient beings, plain and mortal George, too, has to learn that wisdom doesn’t always come with age. Plagued by dreams of a coming climate apocalypse, Maurice has to act to prevent the visions from coming true, even if saving the world isn't his area of expertise. When a powerful man offers his help, it seems like the universe has aligned itself to help him. Little does he know that the dreams he believes to be prophetic are actually so much worse. When they find their paths intertwining, they learn that the stakes are much higher than anyone could have anticipated.
THE ONE WHO SLEPT (115,000 words) is a close fantasy novel in an alternate history setting with a stream of Victorian romance told from multiple points of view, both mortal and immortal. It also features a flashback sequence for the main character. The book can work as a standalone, though it's part of a trilogy. As of writing this letter, the second book is in the editing stage and the third one is in outlining with the first draft expected by early 2025. The first book in a trilogy, THE ONE WHO SLEPT is similar to V.E. Schwab's The Invisible Life of Addie LaRue, with an atmosphere and a diverse set of characters reminiscent of Freya Marske's A Marvellous Light.
[Bio mentioning that I'm a bilingual writer]

Just moved to Iowa for school from Ohio. I also just turned 21. I’m in Iowa for a few years to finish my degree, but not living here for the rest of my life since I have graduate school after this.
My question is how will registration/plates work? I’m still on my parents insurance. The car is owned by me/my mom since she had to co-sign. I have an appointment to get my new lisence but I’m not sure how registration will go since it expired this month. And will I need to get new plates? I think I’ve seen plates from other states with Iowa registration but I’m not sure how that process works or if I can stay on parents insurance

Hello
I’ve been a developer for four years and in my current role for a year and a half. This environment is incredible toxic and keeps getting worse. An employee that just quit has been in talks with an attorney it’s so bad.
My boss is the most emotional and confrontational person I have met in my life. I’m very avoidant with her as I don’t need that hurting my mental health anymore.
How bad would it be to quit the Friday before I start a new job just by sending HR and email with my letter of resignation and saying I will ship back my work equipment to the company address ? I have no intention on ever going back to this company.
I don’t see how this can be considered bad when they have fired people and kicked them out of the system the same day.
Edit: I have a really small team and most of the work is independent. I only work with two others on our team and the other is in the same boat as me. I would also never go back to this company .