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Those that have used their Vision coverage from Anthem Blue Cross and Blue Shield that Kroger offers.
Where have you gone to your glasses and/or contacts at? I've checked with America's Best, Costco, and Sam's Club, none of them accept our coverage.
Many Thanks!

Background: someone posted on here the commonality of broken promises among BPD parents. I think the gist is BPD live in the moment and get such satisfaction off the in moment reaction to that promise/gift but the executive function is broken in their brain…and rarely does that promise come true.
I had commented that the BPD mom of my step son had promised a big trip to him for a trip overseas to see one of his friends. Based on her track record we suspected it wouldn’t happen but hoped maybe she could pull it off. We kept asking for the dates and flight info as the time got closer and she kept saying next week, tomorrow, soon.
Update and no shock…it’s not happening. She says her health isn’t good enough. Her health issues are 99% psychosomatic in my opinion. It’s been a common excuse.
We have a trip planned and will follow through. So he will still have a vacation and we’ll make sure he has fun. But, it makes me so sad to see this happen over and over and over again.

Wanted to share my experience with BetterHelp for anyone who is thinking about using their service.
BetterHelp is to mental health what McDonald's is to nutrition. It offers a relatively cheap, quick alternative for people seeking therapy who may not have access or time for traditional methods. It is like putting a band-aid on huge wound that is the mental health crisis in the United States, where millions of people cannot adequately access therapists and psychiatrists either due to insurance problems or a literal lack of professionals in their area. Rather than solving a massive problem, BetterHelp is taking advantage of people who deserve proper treatment.
Personally I tried for months to access a therapist through my insurance (Kaiser). Just getting through to a person and then finally past the initial stigma of being questioned over "Why do you need therapy?" they finally told me it would be a three month wait just for an intake appointment and the office would be 1.5 hours away from my home. So I thought instead I would try BetterHelp which is advertised EVERYWHERE.
My experience was horrible. I initially selected a therapist and began messaging with them in our initial contact. I wanted to get right to the point so I began sharing some very difficult information about my life. Right away this therapist surprised me by stating they would be leaving on a 3 week vacation and wouldn't be able to do video conversations until then. Of course, my billing through BetterHelp wouldn't pause. Since I had just started using the service, I politely told them I would be selecting another therapist that was available. They never even responded back.
I matched with another therapist and starting messaging with them like before. We were scheduled for weekly, 1 hour video talks. It was a bit off putting that I would write a couple paragraphs about my life and they might reply with only a simply sentence. I didn't want to overload a person with information so I was greatly looking forward to our video conversations. When our appointment came up, I took time off work and made sure I was home and free to talk to them. When I tried to connect on the app, there was no response. I tried messaging them and no response.
Later that day they messaged me back and said that they accidently missed the appointment and were sorry, that we would talk during the next scheduled appointment. At this point I had been paying for BetterHelp for over 2 weeks and not talked to a real person other than receiving a few text replies like "how did that make you feel?" etc. I continued messaging with my therapist and receiving these type of replies. I would tell them about something horrible that had happened to me such as losing a family member and they would provide a canned response like "Do you still think about this often?". For all I know I could have been chatting with an AI. Finally the third week came and I looked forward to my FIRST video chat with an actual person. I felt like this was "meeting" my therapist for the first time. When the time for the appointment came up, my therapist messaged me beforehand telling me they would have to reschedule our appointment for the next week because something had come up.
So now, 3 weeks and $300 later I had still not had a video or phone chat with a real therapist. During this time I had literally only received less than a dozen sentences in text responses from these professionals. I contacted BetterHelp's support team and asked for a refund. They refused and told me the best they could do was offer 1 free week of service going forward. After seeing what a week of their service was worth, I gave up. I never heard back from my therapist. I cancelled my service and of course received pre-programmed emails from BetterHelp's customer service asking "How was your conversation with -?" and of course after answering that it was unsatisfactory, I never received any follow up from anyone.
BetterHelp doesn't care how their service is helping you beyond how it affects their repeat visits. I tried them for almost a month, barely was able to talk to anyone and it didn't matter. I wasn't a client for them. I wasn't a real person. I was just a statistic on their app, adding to their revenue stream. I have since found out that like traditional in-person therapy, many of these professionals are overburdened with clients and take on more than they can really give their attention to. It is hard to describe how difficult it is to try to open up to someone about very painful parts of your life only to be shuffled by a system that can't bother to fit you into the schedule.
I have a friend who is a licensed therapist and registered nurse. He works through BetterHelp and his own private practice office. While I think he is a great guy and really cares about his patients (He left working in an ER to focus on a speciality type of therapy) it is concerning that he started taking BetterHelp clients on top of his already full, in-person, client list at his office. I know his schedule and don't understand how someone who was previously working 8-10 hours a day at his office can conceivably take more clients virtually - except that these virtual clients become back-burner income for his office which can be placated with basic responses and predetermined messages. These messages can be literally copy-pasted but as long as they meet the criteria of the app, they get paid and the client gets charged.
Many of the therapists on BetterHelp already have a full load of in-person clients. The patients on BetterHelp are not getting the kind of attention they need and deserve. BetterHelp basically becomes a gig job for therapists, like Uber or Grubhub, which they can use to supplement their income. This is problematic because it incentivises taking more clients than normal and completing a virtual checklist rather than connecting in a real way with a person to provide mental health care. BetterHelp effectively creates a game for therapists where they click the right buttons and get paid whether the client was helped or not. At least with real, in-person visits a therapist has to look a person in the eyes and come up with a response.
I just want people to take a look and realize that apps like BetterHelp are not the answer to the mental health problems we have. This is the illusion of a solution which reduces people to a number's game while tech-bros get rich off your pain and anguish. On top of all this, they share your information with third party marketing. The FTC says "From 2013 to December 2020... BetterHelp continually broke these privacy promises, monetizing consumers’ health information to target them and others with advertisements for the Service." In short, they are out to make money off the hardest parts of your life, not help you.

I don’t want to make a bigger thing if this than it is. And honestly, it pains me that I’m the kind of person to let things other people do get to me like this. I didn’t think I’d be the kind of woman who’s married and occasionally obsessive or deeply affected by a man’s behavior. The thing is, I am married. I’m in a committed relationship where I find communication is key, and mutual respect is important. But for a long time now, I think my needs, and my sense of values haven’t been met or matched by my partner.
It’s like a lot of the time, we’re on two separate pages about pretty important things. He doesn’t like to talk, or make plans for the future. He doesn’t like to plan trips or have dates, or simply take me out to share experiences. When he does, I can feel when he’s uncomfortable, distracted, or finds it to be a chore. Once I asked him if he’d mind taking us out on a Friday night. I asked this a couple nights before, and he quickly agreed (rare in our relationship!) and even offered up some options for how the night could go. But when Friday evening rolled around, he asked if he could have a drink or two before we go, and if I wouldn’t mind driving us out. I asked him if he could drive us out, but if he’d mind having drinks at the restaurant and I could drive us back home. He refused and got upset that he couldn’t drink first, snd when I asked him why drinking first thing was so important to him, he said he just wanted to relax. Long story short, we had a disagreement and I tried telling him how it was important to me that he take me out, it’s something we’d agreed on and it mattered to me. I was trying to compromise so he could have drinks…eventually he agreed and apologized but I am still so disheartened by this ordeal, because why do things have to be so bleak with him? Why doesn’t he value me or our relationship enough to prioritize it? Why do I even have to ask to be taken out/prioritized?
He doesn’t like to talk finance, or make important mutual financial plans for the future. He doesn’t communicate well his thoughts or impending actions. And he doesn’t like taking responsibility for when this behavior affects me or hurts my feelings. He doesn’t like hearing criticism about himself. So often times, I’m left biting my tongue or apologizing for my reaction to his poor behavior or lack of communication. These are all things that I’m exhausted with. But especially after he got high at a movie theatre this weekend without really sharing anything about it with me.
For some context, my husband used to get high frequently. Hard drugs sometimes, shrrooms, coke, but more often, weed. This was before I knew him, and before he joined the military. When I met him he was straightening up after a long period of near homelessness and job bouncing. He really decided to make different choices and apply himself, and a military graduation/career and incidentally, a new serious relationship were his reward. We met and started dating while in military school, and we’re married now, but clearly it’s been a rocky road at times.
He’s currently deployed to a location that’s extremely hot, but very low work intensity. He works long hours and sometimes feels frustrated or unappreciated at work, but over all, this is a peaceful deployment (literally), and he has so many freedoms not afforded to most while on official duty. This includes freedom of dress, freedom to barhop after hours, freedom to game and drink after work hours, and freedom to travel to other provinces off duty. I’m currently at home, living overseas at our assigned base, and to be honest, it’s been nice not having him around. But somehow he’s been able to bring me down even from a distance.
This past Saturday we texted back and forth throughout the day. He shared he was going out with a friend John. He shared they’d had dumplings and later he was gonna go and see a movie. Even told me which one. But he neglected to tell me he was thinking of getting edibles and getting high. He neglected to share how he’d been feeling, or what he’d been thinking leading up to getting edibles…he basically bypassed some pretty important things and just told me he was going to the movies. I told him I wished I could be there, to share the experience with him, because it’s been years since we went to the movies together. He even texted me back in agreement before the showing to say that he felt the same way, and wished I was there too.
But unbeknownst to me, he had already made a choice to buy and take edibles and have such a specific experience, and he neglected to share that with me. To the best of my knowledge, this was the first time he’d be getting high in years. At least 7 or 8? Kind of a big deal, right? We’d often talked about the two of us getting high after our military service, but he’d been insistent that we do something like this together. He’d especially expressed a concern that if I ever get high post-military, I do it with him first.
Cut to now, and he’s in a foreign country and on official military duty, and got high, without so much as a word about it to me. And on some level, I understand people don’t owe you a play by play of life. People don’t owe you shit. But this is my husband, my supposed partner. We owe each other solid communication, especially about stuff like this, right? Two weeks ago, my siblings were visiting and had an idea for us to get matching tattoos. Something small but meaningful. I’d never had a tattoo but was excited to get one and share this experience with them. Even though it was small in the grand scheme I texted my husband early that day, before any steps were taken, and I just let him know about our plans. I wanted him to know, I thought it was important to communicate. Not the end of the world, but just out of respect and thoughtfulness.
He didn’t share that kind of thought process…he failed to communicate in a way that was honest. I only found out about him taking edibles because he randomly mentioned it last night in a text. And then he said, “Baby, I’m sorry. I thought you knew. I thought I had your blessing.” I told I’m, you don’t need my blessing…it’s not about having permissions. It’s about communicating.
I have no idea who he’s met out there, what is even discussed, the kind of experiences he’s having, or where he would even get edibles from. No idea how long the idea’s been stewing in his brain to do something like this. No idea if this was even his first time doing it or not. He doesn’t talk to me, not really. Doesn’t carve out time periodically to FaceTime or catch up, or connect in a real way. There are times when the weekend rolls around and he disappears, says he’s taking some “me time”, and just stops talking. And having time alone is valid, I support this. But he becomes so unavailable. He fails to understand how hurtful that is or how inappropriate it is to ignore your spouse. If I were doing that to him periodically, he’d be beyond pissed and upset. I’ve just learned to mostly be silent about it, because my feelings so often go overlooked anyway.
It’s ironic, because this past weekend I shared with him how I haven’t felt wanted. How I’ve felt disconnected and unsatisfied, and how I feel I’ve been patient and tolerant with him, but how my patience is running out. He took the time to read my texts and actually respond and apologize. He said he understands. It’s just so wild to me that even with all of this, he neglected to share something so important as getting high with me.
I feel like an idiot for trying at this point. And I hate that I care. This man doesn’t communicate. Makes terrible financial (and other) choices, ignores me but frames it as his own self care, doesn’t prioritize our relationship or my needs in a real, consistent way…and ironically, he’s become really good at apologizing for his actions now (outright refused to do it before)…but his behavior hasn’t seemed to change or line up with his words.
He apologized about this and told me that he wants to share more about the experience with me soon. After some back and forth (all of this via text), I resigned myself for the sake of my own mental health and just said, “ok love.”
But this doesn’t feel ok.
Should I be as upset/hurt/frustrated as I am? Should I continue putting effort into this relationship when so much of the time, my needs and concerns are unmet? Do I care too much? Sometimes I feel like I care too much, and should just put my focus and energy elsewhere.

Let me get right down to brass tacks. I can elaborate if anything is unclear.
Background: I struggle a lot with hand health. I've been using an Ergodox EZ with Kailh Silvers for 3-4 years (it's my first mechanical keyboard). I don't regret the purchase, it helped me out a lot during a time when things were quite bad. However, I have grown to resent the Ergodox, I think the tenting/tilting system is very poorly designed, the keyboard height feels awkward and the official palm rests are useless in my opinion (by the way, this post is not meant to be a dunk on Ergodox EZ, in all other respects it is a good keyboard, I just feel it isn't working for me personally anymore). I also don't like the Silver switches. I love how little force is needed but the almost complete lack of feedback is killing me. I'm normally a very soft typer so I sometimes type so softly the key doesn't register. It's difficult to know how much pressure is enough and I feel like that feeling of insecurity probably leads to increased tension. The typing experience is just not pleasant in general. I tried typing a little on a Ducky One with blue switches and my initial impression is that I like the clicky feedback a lot. Feels nice.
Ergonomics are absolutely top priority for me, my computer usage at the moment is not sustainable. With frequent exercise and limited time using the keyboard, it's manageable, but I hope I can do better than that. It sounds like ergonomics are top priority for the people that designed the Glove80 too and they seem to really know what they are doing. I am very impressed by what I have seen of that keyboard. I have watched and read some reviews and scanned through a good deal of old posts about it from this subreddit and the general consensus seems to be that it is an excellent but expensive keyboard. Some people don't like it for various reasons but I haven't yet seen anybody that says the basic typing experience is uncomfortable or that ergonomics are lacking in any way. In any case, I am interested in trying concave keywells as I think they might be a good fit for me, and from what I can tell the Glove80 seems to be the best concave keywell keyboard available now (I know some people like Kinesis keyboards a lot but I get a slightly worse impression from them). The palm rests look like they might be effective and I like the low profile keys. The mounting options seem cool. I'm not bothered by the price. I value my money but I value my health much more, if it's a good keyboard then the price is acceptable to me.
Based on my experience with the Silvers, one might think that linear switches are not for me, but I have heard the low profile Chocs feel different. Can anybody that has used both Kailh Silvers (or comparable Cherry MX linear switches I guess) and say the Red Pros comment on the difference in feel? Does it seem like I would have a similar experience with them as the Silvers? The travel distance is much shorter and the design of the Glove80 puts each digit on equal footing, in theory, so I might not experience the same kind of issues (I find that keys I type with the pinky fail to register more often). I don't like heavy keys at all so I wonder if the 60g clicky Whites that are offered would feel too heavy for me if I want to go for clicky keys instead. Is there anybody here who is sensitive to heavy keys that decided to choose the whites that can comment on how they felt to them long-term?
It might be a good idea to buy a tester, but needing to ship it from overseas, with accompanying cost and time, just to compare four key switches, seems like an awful big waste (and I don't know if you could conclude much from using such a tester). If I'm being totally honest I'm not going to do any soldering myself - I don't know how to do that and this doesn't seem like a good project to learn with - hence why I think I will stick to the four official options.
Here are my main questions:

• I don't like Kailh Silver key switches, the lack of clear tactile or auditory feedback makes it uncomfortable to type and it does cause me to make mistakes. Is it likely that the Red Pros on a Glove80 would offer a similar experience?
• Do the White clicky keys for the Glove80 feel heavy?
• Those who moved from Ergodox EZ to Glove80, did you find it to be a good decision? What key switches did you choose and are you happy with them?
• Based on my priorities, is there some other keyboard I should consider apart from the Glove80? It's possible that another keyboard isn't the answer but I'm not really happy with my current set up, specifically I feel like the silver key switches are dragging me down and the design of the Ergodox EZ seems to severely limit the extent to which I can accommodate to it.

Thanks, I really appreciate it.

I thought we were signing up for health coverage that included IVF because it, as all the others said they covered "all infertility services" but turns out they do not actually cover egg freezing or IVF, they only cover IUI's. Has anyone been able to get this kind of coverage through your Cal Fire insurances and if so which one did you choose? Any help is appreciated. Time is of the essence. Thank you!

Context:

I am going to be going on a gap year after not receiving a sufficient offer in my senior year applications, for further understanding, I'll mention my previous results:
NYU (rejection)
NCS (accepted)
University of Northern Iowa (accepted with a 6,000$ merit scholarship)
Western New England University (accepted with a 34,000$ merit scholarship)
John Cabot University, Rome (accepted with 6,500€ merit scholarship)
Constructor University, Bremen (accepted with 8,000€ merit scholarship)
SUNY Bingham (accepted)
Stony Brooke (accepted with 4,000$ merit scholarship)
Minerva University (accepted with 40,000$ financial aid/93% financial aid)

Demographics:

Male
South Asian
International Student
Low Income (need a full ride to even consider attending)
Private residential high school (considered as the most competitive, selective and highly ranked in country)
Hooks: URM
Intended Majors: Psychology/Pre-Med/Biotechnology(or related)
SAT: 1440 (RW-670, Maths- 770) {one attempt, and this is subpar by my standards but I cannot afford to give it again}
GPA: 4.0/4.0
Class Rank: School doesn't show rank but from my calculations 8/121
Coursework: Follows the national curriculum, so not sure how that equates to AP, etc, but 8A\ in IGCSE O-Levels* followed by (Biology-1, Biology-2, Physics-1, Physics-2, Chemistry-1, Chemistry-2, Religious Studies , Social Studies (of our country), Religious Studies Honor-1 and Religious Studies Honor-2, English-1, English-2, National Language-1 and National Language-2) all of it was across 2 years of senior high school
Rigor: Competitive course based on the national curriculum

Extracurriculars (here is where I hope to stand out a little):

1) English Commentator (year 1) and captain of the commentary panel (2nd year) for a national level event that had live TV coverage and broadcasted across the nation, a contingent of guests were present including high level government officers, civil servants, diplomats and armed forced personel
2) Co-director of College Guidance and Placement Cell, imparting college application process guidance to over 600 students, spoke on behalf of the organization in 4 educational fairs, kept documents and ensured that my batch had a foreign acceptance rate which was highest in colleges history
3) Co-Founder and head of International Chapter of NGO based on environmentalism and reforestation. Planted 1500+ trees, head a team of 13 core members, organized 22+ plantation drives, held 34+ sessions, took organization to an international level
4) Deputy Head Boy of student government body of institute with 2300 student population, organized multiple events, represented school on national level and in governmental education authority board meetings.
5) President English Debating Society, General Secretary MUN society, 4x best debater awards, 5x best delegate awards (ranging from interschool to regional level)
6) President Biotech research society, and Fellow of the Horticulture Club then also conducted 2 months of research with Agriculture Research Center on the effects of potato tissue culturing and genetic modification, no paper published.
7) Captain Wing (House) Debating Team, where I conducted speeches daily and rendered training to 100 students for one year, my junior team placed first in the institute with one kid getting an award for being the best debater.
8) Conducted interviews of nationally recognized heroes for college magazine and contributed in more capacities with articles.
9) Bronze Duke of Edinburgh Award with approximately 100+ volunteer hours at local religious centers, orphanages, and tree plantations+national cleanup drives.
10) Associate member of government mental health awareness program as an ambassador of the educational institute I attended.

Awards (not too great):

1) KenKen olympiad, bronze medal, Nationals
2) Best in Academics, Institutional Award
3) IBT High Distinctions across 3 subjects in 3 consecutive years
4) School level academic distinctions across 5 subjects in 3 seperate years

Essays:

For the previous year that I applied; it was about being bullied and the psychological implication behind it. Now that I think about it, at best, it was a 6.5/10
My supplements were not solid besides those for Minerva, I was really proud of those.
This year, I plan on taking a different approach while I haven't written one yet, there are certain ideas that have come to mind and I believe I can really nail the essays this year both personal and supplemental.

Letter of recommendations:

Counselor, 9.5/10, I am very close with him, he is the Officer in charge of the guidance and Placement cell, along with the horticulture club, he also organized the research by contacting the agriculture center, he can reallt speak on my character, initiative, willingness to go far in life, leadership capabilities.
English Teacher, 8.5/10, I have a great sort of friendly rivalry with him and he can provide a light hearted approach towards breaking down my character both academically, and also as a public speaker and writer, he did doubt me to begin with but then in his own words I proved him wrong as a learned individual
Officer in charge of Commentary Team, 9.5/10, he has a masters in clinical psychology, it helps with major of choice, he can give a psychological breakdown of my character, speaking skills, confidence, english language grasp, how I surpassed many in 2 years (Commentary Captain) on national tv.
Administrative/Discipline/Sports Head of my residential school, 10/10, He has been the most involved in my personal growth and development, and has pushed me the most to pursue ivy leagues and t50 colleges rather than settling for a smaller college or something subpar, he sees alot of potential in me, he can give a unique outlook on my character, discipline, adaptability, mindset that I carry, attempting everything whether I'm good at it or not and making a name for myself in only 2 years.

Other circumstances of note:

I moved back to my home country as an expat of 16 years in the middle east to attend my residential school, arguably the best in my country because I did not want to settle for less, changed curriculum, was accepted to Minerva whereas 26 others in my college were rejected but I couldn't afford it, I joined as a lateral entrant (usually kids join my high school from 8th, I joined in 11 on a very competitive exam for extremely limited seats, about 1.4 percent acceptance rate) which set me apart already, was bullied as a kid for my lisp and I proved them wrong with my awards but then it began again as I entered my new high school, once again I made an impact and name for myself.
Sorry if that's a huge block of text, but I plan on working with that for essay concepts, hopefully you guys could help around a bit?

Colleges planned to attend:

REA: Princeton University (this is the dream)
Dartmouth (second dream)
University of Pennsylvania (third dream)
Cornell
Harvard
Columbia
Yale
Brown
Stanford
Duke
MIT
Carneige Mellon
Vanderbilt
Rice
NYU
Northwestern
Bowdoin
Johns Hopkins
University of Notre Dame
Boston College
Do help me out!! Please tell me what I can do, how cooked I am, and if I should keep any sort of hope?

I posted this earlier this month about filing an appeal with a contracting agency to retain COBRA after I switched to the agency's healthcare plan, because I didn't realize at the time that I could have kept COBRA, which is cheaper and has better, more comprehensive coverage, until it ran out later this year. To file the appeal, I only had the option to physically mail a letter of appeal to the appeals office in another state, then wait at least two weeks for them to reply to my mailed letter of appeal, presumably also by mail. This is ridiculous and frustrating. Why can't they allow appeals to be filed online or by email? It seems engineered specifically to delay the entire process.
If I win the appeal and get to retain COBRA, I need to find out before the end of the month, because if I skip a month, my COBRA is voided. But I still haven't heard about my appeal and it's the last week of the month. On top of that, I had to start using my new health insurance to get refills of prescriptions that I need for my autoimmune disorder, so I don't know how that works if my appeal is approved and I get to retain COBRA but have already started using my new health insurance for essential prescriptions (which are currently late). Will I essentially have to pay for both COBRA and my new health insurance this month, then go back to just COBRA next month?
On top of that, the new health insurance doesn't cover mental health services unless I pay over one hundred dollars for services in-network. On COBRA, I only had a $15 copay for therapy in-network.
I have a feeling they'll deny my appeal anyway, though the cancellation process on their website wasn't working and I couldn't cancel my new health insurance before the deadline, which is part of the reasoning behind my appeal. I'm sure I've made many mistakes in the whole process, but I hate that getting healthcare is so convoluted and drawn-out. I just needed to rant about my frustration here.

I’m leaving Walmart. Last day in 2 weeks. I have the premier health plan and got a few questions that I cannot find answers to.

1. Can I keep it? And just pay out of pocket? If so how.?
   
2. Cobra… what’s that? And how do I start that process if I fit the need?
   

Basically, I’m leaving, next job don’t have insurance. I want to keep the coverage. I know I may not be able to… but what do I do? I know hardly anything about insurance..

does anyone have any resources or leads for IOPs in the area that focus solely on mental health with an emphasis on trauma-informed care? it would be ideal if they take Kaiser insurance but I’ll take what I can get

I'm also testing to see if this actually posts. But primarily I am looking for a new therapist, ideally one that is actually good and it seems very difficult to find any that even respond now. I am in the US. I'm sure this is a very common question but I'm not having much luck. I try contacting them on psychology today and nobody responds. I last tried Kaiser Permanente but had them look for a provider within their coverage but outside the system, and they found an online person for me, but it wasn't a good fit. I think I could really benefit from therapy right now. I'm 32 and have lots of will to try to make my life better, but I have no idea how to direct my energy. I've overcome a lot but am currently in a slump.

So I have a new Cash card. It’s activated and I was able to make a purchase with it. I tried withdrawing cash today from a Scotiabank ATM and it didn’t work. I inserted the card, entered the PIN, and it just said “withdraw not available” and the only option was to exit.
I’ll try more ATMs in the coming days, but I’ve never experienced this with another card before, especially at a major bank ATM. There are cleared funds in the account.
Also, holy crap WS customer service is awful. The live chat was unhelpful and even patronizing, and the phone agent also had no answers, and there were people screaming in the background?!
I am traveling overseas next week, which was my purpose for getting the card (supposed to be good international ATM coverage). So I need to know that it works.

(EVERYTHING'S HAPPENING SO FAST)
Looking for some final feedback on my school list after more research on schools (aka feedback from my last thread and admit.org :D). Specifically looking to see if I should substitute any schools on my list to better my chances. Currently have about 34 schools which is a lot to me so I wouldn't mind cutting out 1-2 either so lmk if any OOS school's secondaries are hell lol. Thank you so much!
Stats:

• GPA: 3.84 cGPA / 3.73 sGPA
• MCAT : 515 (128 / 126 / 130 / 131)

Background:

• CA resident, SE Asian (first gen everything lol)
• Low SES (qualify FAP, Pell Grant)
• T30 undergrad
• 1 gap year

Work & Activities: (** = most significant, emphasized in app)
Clinical experience: 480 hours total

• Emergency dept. social needs screening**
• Free health screenings
• Children's hospital volunteering
• County hospital volunteering

Research: 1200 hours

• Neuropsych research**, 1 second-author pub pending peer review, strong PI letter

Shadowing: 90 hours

• Various pediatric subspecialties, internal medicine, surgery, psychiatry

Non-clinical paid work: 1900 hours

• Work-study campus job (worked ~20 hrs/wk for all 4 yrs which is why it's so high lol)
• Creative job side hustle

Non-clinical volunteering: 800 hours total

• Science education outreach program for elementary schools**
• Homeless shelter for college students facing housing insecurity
• Teaching health curriculum workshops to local high schools
• Mentoring high school students in underserved area (college apps, internships, SATs, etc)

Other work/activities:

• During my gap year, I'll be working full time as a CRC and volunteering at a free clinic.
• Continuing creative side hustle job, aiming to self-publish something

School List:
Did my best to research which schools are OOS-friendly, but **please correct me if any are not!**
In-state

• UCSF
• UCLA
• UCSD
• USC Keck
• UC Irvine
• UC Davis
• Kaiser

OOS

• UMich
• UPitt
• Icahn Mt Sinai
• Emory
• Case Western
• UColorado
• Rochester
• Boston U
• Albert Einstein
• Miami Miller
• UMass Chan
• Iowa Carver
• Dartmouth Geisel
• Wake Forest
• Tufts
• George Washington
• Sidney Kimmel
• VCU
• Vermont
• Hackensack
• NYMC
• Rosalind Franklin
• Quinnipiac
• Penn State

I understand the importance and use of an Emergency Fund that covers multiple months of household spendings, but am I delusional to think that a variable one is good enough?
We are maybe a decade away max from our FIRE target, and being dual income with two kids, our expenses were always kept at below the lowest of our two incomes.
Cash-wise, on a monthly basis we save 1/12 of the rent (paid yearly here), 1/12 of annual school fees, 1/12 of yearly vacation budget, some money aside for car repairs & replacement, and that’s pretty much it. Family health is covered by our employers (double coverage) and we don’t have any unemployment benefits.
To me that works, some months this can reach up to 4 months of expenses, some months back to less than one. If necessary we can always pick from one bucket and fill it back the following month.
Being on our income savings ratio I feel that it’s not an unsafe approach even with a loss of job, and worst case scenario (which never happened in a decade), with can take a margin loan (credited in minutes) at a low single digit interest % against our liquid assets (ETFs) worth above 10 years of expenses.
Am I in the wrong thinking that it is not an unreasonable approach? I’m under the impression that well within a FIRE project with high savings rate and dual income, just keeping a ton of cash isn’t necessarily the most rational approach.

I have chronic sinusitis, so I have sinus attack aka flu symptoms very often about every other day. Usually this can be maintained or improved with flu medicine, but obvious prior to surgery you can’t take medicine for 2 weeks.
My chronic sinusitis came about 2 years ago, after Covid so it may very well be long COVID - there is no sure way to know it seems but my usual doctors are not concerned. I have not seen them to check on my health for surgery because I am getting surgery in another country - I will be doing a BBL.
Questions: 1. Anyone had surgery with flu symptoms? Eg. A regular flu or a sinus or long Covid symptoms but no longer positive for Covid. 2. Did you suffer any complications having flu during surgery with anaesthesia? Eg. Respiratory infection or failure. 3. Are there any changes your results due to the flu? Eg. Blood clot etc.
Please help! I’ll be seeing a local doctor for this but they are adverse against overseas surgery so they probably would just not answer anything. I tried once to get local doctor’s opinion when I did a minor surgery, but they refused to provide. This time round it is a major body surgery so I am scared!!