Medical policy financial samples

I am 19F from India. My father passed away when I was 17, just few months before my highschool board exams. Even since that my relatives have become the unofficial moral polices in my life. They literally try to control every decision of my life. They question my choices, even what I buy or where I go. Short bg story : My father was a retired central government officer. I can say that my mother and I did not struggle financially after his demise, because we receive a decent amount of pension every month and have handsome savings, although emotionally we were crushed. My parents dated for 9 years and were married for 36. When I say the love I saw between them raised my standards sky high, oh I mean it. P.S.- I was adopted at 5 months, but that doesn’t make a difference. So, after I graduated high school I decided to pursue a degree in psychology because that’s what I wanted from my heart.( in my school days I may have wanted to become a doctor but that changed and I soon realised that job is not for me. So I worked hard and got into one of the top universities in my country(BHU). It’s a central government college so the fees is very low. I didn’t tell my relatives about choosing this career path cause why do I need to ? Right ? My mother supports me and for her my happiness is what matters to her. She says I rather choose a career I love rather than settle with a career I’m not happy in. I shared the news that I got into this prestigious college only after I got and my admissions were finalised. After they got to know that news, she were furious (idk why) and screamed at me that I was selfish for choosing a career like this. According to them I should have chosen a career like engineering or medical so that I can be established sooner( well it’s India. All they can think as a career option is medical or engineering). They screamed at me for being selfish and wasting my father’s hard earned money on some degree that’s gonna be of no use(dude my college fees is like 2000 rupees a year I.e. like 24 dollars). They were also angry with the fact that I moved out of state for college but I have much opportunities going to a renowned uni out of state and my mom is fine with it. But I also know it would have been good for my mother if I chose a career that got me established quicker. But the heart’s gotta do what it wants. I rather do something I love. And I know that career I chose requires an MPhil or PHD. So AITA for being selfish and choosing a career that I love?

Hello all. My granny is passing. My inheritance is roughly $3.5m in property value according to the county tax appraisal. I live in Texas. My limited research has shown that we won’t be liable for inheritance taxes on the property value but I’m curious about medical bills. My wife broke her neck recently and currently is in patient rehab. Bills are rolling in with the initial triage hospital (4 hours stay) billing us ~$100,000 before she was even care flighted to the trauma center. We have a high deductible marketplace health plan. She’ll spend 8 weeks at least inpatient and I can only imagine the bills we will receive. We’re currently looking at receiving reduced rates and financial assistance. We’ll need 1-2 years of rehabilitation. Last year our AGI was ~$25k due to 2 businesses and basically being cash poor. Have the option to have inheritance given to my father who has zero debt (i have power of attorney). Looking for advice. Thanks in advance.

The City University of New York's faculty union rejected a resolution calling for an Israel boycott. The decision may relate more to salary negotiations than to views on the Israel-Hamas conflict.

Three years after voting to “consider” boycotting Israel, and weeks after defending a pro-Palestinian student encampment, the faculty union of the City University of New York overwhelmingly rejected a resolution calling for an Israel boycott.
The union’s president actively opposed the resolution, saying that it inappropriately singled out Israel. But insiders say the Professional Staff Congress’ rejection may have had more to do with the union’s salary negotiations than any principled view about the Israel-Hamas war, which has roiled the CUNY system.
The resolution called for the university system to carry out a number of steps that anti-Israel protesters have called for at CUNY and dozens of other colleges and universities across the country this spring.
“Ban all academic trips to the Zionist state, encompassing birthright, Fulbright, and perspectives trips,” the proposal said. “Cancel all forms of cooperation with Israeli academic institutions, including events, activities, agreements, and research collaborations.”
The measure, called Resolution in Support of CUNY Gaza Solidarity Encampment, also demanded that CUNY divest from all “companies complicit in the imperialist-zionist genocide” as well as for full transparency regarding CUNY’s investments.
The resolution also called for the NYPD, which arrested dozens of people when dismantling City College’s encampment weeks ago, to be banned from campus. It called on CUNY to reinstate professors fired for anti-Israel activism — though it did not specify who it was referring to.
The resolution endorsed a Palestinian right of return to Israel, which many Israelis view as tantamount to the end of Jewish sovereignty in Israel. And it called for a “fully-funded, free CUNY that is not beholden to zionist and imperialist private donors.”
The union’s 300-member delegate assembly, its central policy-making body, rejected the resolution by a vote of 117 to 40, according to a spokesperson.
Manfred Philipp, a former member of the delegate assembly who has maintained ties to the union, said he believes the resolution was voted down because it would have been detrimental to the PSC’s interests, not because of union members’ views on the conflict. The union has an obligation to negotiate salary contracts for its members, and the anti-Israel resolution could have hurt the union’s chances of securing a salary increase from city and state lawmakers who are sympathetic to Israel, Philipp said.
“The basis of the opposition to the resolution has nothing to do with the situation in the Middle East. It has everything to do with the interests of the union and the university,” said Philipp, who taught at CUNY’s Lehman College for decades before retiring around a decade ago.
“The union’s self-interest says they should not take a position on this at all,” he said, adding that he supported the result of the vote.
The PSC says it represents 30,000 faculty and staff across CUNY’s 25 colleges. Its delegate assembly includes representatives from each college’s chapter and the 27 general officers in the union’s executive council.
Ahead of the vote, union president James Davis sent an email to the delegate assembly opposing the resolution, saying the measure had been rushed through without proper input from union members, and that it only targeted Israeli universities, not “universities in countries engaged in serial human rights abuses or committing genocide, a singularity that many of our colleagues would find objectionable.”
Earlier this month, the union condemned a pro-Palestinian strike by its own members. But previously, it has taken pro-Palestinian positions and has drawn accusations of discrimination from Jewish faculty. In recent weeks, the PSC demanded charges be dropped against protesters at the pro-Palestinian encampment, condemned police action against protesters and backed protesters at Columbia University.
A group of Jewish professors sued the PSC in 2022 after the union adopted a resolution criticizing Israel the previous year, calling it discriminatory. A judge dismissed the case. Dozens of Jewish professors resigned from the union due to the resolution.
That 2021 resolution also called to consider union support for the Boycott, Divestment and Sanctions movement targeting Israel.
A 2016 state executive order bars state agencies from anti-Israel boycotts, meaning that a boycott could come with financial consequences for the CUNY system. But the faculty union does not set policy for the system.
CUNY has long faced allegations of antisemitism on its campuses. The university system, the nation’s largest urban college network with more than 225,000 students, has come under fire in recent years from city and state lawmakers for reported discrimination against Jewish students.
Last year, weeks after Hamas’ October 7 attack on Israel, New York Gov. Kathy Hochul ordered a third-party investigation into antisemitism at CUNY.
The system has been a hotspot for anti-Israel protests since then. In March, Hunter College opened an investigation after protesters chanted that Jews at the school needed to “pick a side.” Earlier this month, two CUNY campuses nixed Jewish events due to protests.
CUNY has taken steps to address antisemitism on its campuses, including by setting up an advisory council on Jewish life and partnering with Manhattan’s Museum of Jewish Heritage to educate students about the Holocaust.
CUNY union rejects Israel boycott amid salary talks - The Jerusalem Post (jpost.com)

hi all, i am 21F, a little background before i ask my question is; i was diagnosed with epilepsy when i was 15, the first time i ever noticed having a seizure without knowing what it was in 2017, then with my lack of sleep and stress i went to take a shower after working late at my high school job and had a seizure in the shower and gave myself a severe concussion and was diagnosed and medicated since. i wasn’t medicated at first and wanted to take care of myself very well and keep triggers low so i wouldn’t have to be on medication which worked well for a while! i would also get MRI’s every 6mo. well as of last august i’ve lost my insurance which was government assisted (i live in illinois) and i’ve had it all my life because of financial status. it helped a lot especially with epilepsy because all the procedures, medication, etc are very very expensive. last october-december i had a lot of seizures. almost every other day, i was diagnosed unspecified but the only types of seizures i get are grand mal, due to my epilepsy i try my hardest not to overwork myself because i need to work in order to have a place to live. does anyone have any advice on how to get government assisted insurance or of any kind ? i don’t think i can work enough to get benefits from any job and i’ve applied many times to try to get my insurance back and been rejected. i would really like to get back on my medications but it’s at least $750 out of pocket monthly is what the pharamacists have told me. any advice helps !! thank you.

The profusion of identical green tents at this spring’s anti-Israel protests struck many as odd. “Why is everybody’s tent the same?,” asked New York mayor Eric Adams. Like others, the mayor suspected “a well-concerted organizing effort” driving the protests. More recent reporting shows a concerted push behind the Gaza protest movement. But it is not as simple as a single organization secretly rallying protesters or buying tents. Instead, the movement’s most determined activists represent a network of loosely linked far-left groups. Some are openly affiliated with well-known progressive nonprofits; others work in the shadows.
The movement also draws on diverse but generous sources of financial backing. Those funding streams may soon be augmented by the federal government. As I chronicled last year in a Manhattan Institute report, “The Big Squeeze: How Biden’s Environmental Justice Agenda Hurts the Economy and the Environment,” the administration’s massive program of environmental justice grants seems designed to prioritize the funding of highly ideological local groups. The Inflation Reduction Act, for example, earmarks $3 billion for “environmental and climate justice block grants” intended for local nonprofits. Today, hundreds of far-left political groups include language about environmental issues and “climate justice” in their mission statements. If just a fraction of planned grants flows to such groups, the effect will be a gusher of new funding for radical causes.
As the Gaza protests spread across U.S. college campuses, many observers noted an eerie uniformity among them. From one campus to the next, protesters operated in disciplined cadres, keeping their faces covered and using identical rote phrases as they refused to talk with reporters. The Atlantic noted the strangeness of seeing elite college students “chanting like automatons.” Students held up keffiyeh scarves or umbrellas to block the view of prying cameras and linked arms to halt the movements of outsiders. At Columbia University and elsewhere, protesters formed “liberated zones,” from which “Zionists” were excluded. Around the edges of the encampments, the more militaristic activists donned helmets and goggles and carried crude weapons, apparently eager to mix it up with police or counter-protesters. We’ve seen these tactics before—notably during the “mostly peaceful” Black Lives Matter protests of 2020, when full-time agitators helped ignite riots, set up a police-free (and violence-plagued) zone in Seattle, and laid nightly siege to Portland, Oregon’s federal courthouse.
In a remarkable work of reporting, Park MacDougald recently traced the tangled roots of organizations backing pro-jihad protests, both on and off campuses. These include Antifa and other networks of anonymous anarchists, along with “various communist and Marxist-Leninist groups, including the Maoist Revolutionary Communist Party, the Party for Socialism and Liberation (PSL), and the International ANSWER coalition,” MacDougald writes. Higher up the food chain, we find groups openly supported by America’s growing class of super-rich tech execs or the anti-capitalist heirs of great fortunes. For example, retired tech mogul Neville Roy Singham, who is married to Code Pink founder Jodie Evans, funds The People’s Forum, a lavish Manhattan resource center for far-left groups. As the Columbia protests intensified, the center urged members to head uptown to “support our students.” Following the money trail of other protest groups, MacDougald finds connections to the Rockefeller Brothers Fund, the Ford Foundation, and—surprising no one—the George Soros-backed Tides Foundation.
Of course, the current wave of anti-Israel protests also involves alliances with pro-Hamas organizations such as Students for Justice in Palestine. Last November, Jonathan Schanzer of the Foundation for Defense of Democracies testified to the House Ways and Means Committee that SJP and similar groups have deep ties to global terrorist organizations, including Hamas.
For many keffiyeh-wearing protestors, however, a recently professed concern for Palestinians is just the latest in a long list of causes they believe justify taking over streets and college quads. In Unherd, Mary Harrington dubs this medley of political beliefs the “omnicause,” writing that “all contemporary radical causes seem somehow to have been absorbed into one.” Today’s leftist activists share an interlocking worldview that sees racism, income inequality, trans intolerance, climate change, alleged police violence, and Israeli-Palestinian conflicts all as products of capitalism and “colonialism.” Therefore, the stated rationale for any individual protest is a stand-in for the real battle: attacking Western society and its institutions.
In the U.S., this type of general-purpose uprising goes back at least to the riots at the 1999 meeting of the World Trade Organization in Seattle. In those protests, mainstream liberal factions—including labor unions and environmentalists—were joined by “black bloc” anarchists and other radicals eager to engage in “direct action” against police. That pattern—relatively moderate demonstrators providing a friendly envelope for hard-core disruptors—formed the template for many later protests: the Occupy Wall Street encampments in 2011, demonstrations following the police shooting of Michael Brown in 2014, 2016’s Standing Rock anti-pipeline movement, and of course, the calamitous summer of 2020.
These uprisings were not entirely spontaneous. In some cases, activists spend months planning mass actions—for example, against economic summits or political conventions—and can recruit street fighters from across the country. In others, an event, such as George Floyd’s death, sparks popular protests involving neophyte demonstrators. Those attract far-left activists, who swoop in to organize and expand the struggle, often tilting it toward more radical action.
That has certainly been the case at the college Gaza-paloozas. At Columbia, the New York Times spotted a woman old enough to be a student’s grandmother in the thick of the action as protesters barricaded that school’s Hamilton Hall. The woman was 63-year-old Lisa Fithian, a lifetime activist, who Portland’s alternative weekly Street Roots approvingly calls “a trainer of mass rebellion.” A counter-protester trying to block the pro-Hamas demonstrators told NBC News, “She was right in the middle of it, instructing them how to better set up the barriers.” Fithian told the Times she’d been invited to train students in protest safety and “general logistics.” She claims to have taken part in almost every major U.S. protest movement going back to the 1999 “Battle in Seattle.”
America’s radical network has plenty of Lisa Fithians, with the time and resources to travel the country educating newcomers about the “logistics” of disruptive protests. And these activists appear to have played key roles in the college occupations. The New York City Police Department says nearly half the demonstrators arrested on the Columbia and City University of New York (CUNY) campuses on April 30 were not affiliated with the schools. One hooded Hamilton Hall occupier—photographed scuffling with a Columbia custodian before getting arrested—turned out to be 40-year-old James Carlson, heir to a large advertising fortune. According to the New York Post, Carlson lives in a $2.3 million Park Slope townhouse and has a long rap sheet. For example, in 2005, he was arrested in San Francisco during the violent “West Coast Anti-Capitalist Mobilization and March Against the G8.” (Those charges were dropped.)
For a quarter-century now, Antifa and other anarchist networks have worked to refine tactics and share lessons following each major action. At Columbia, UCLA, and other schools, authorities found printouts of a “Do-It Yourself Occupation Guide” and similar documents. The young campus radicals are eager to learn from their more experienced elders. And, like the high-achieving students they are, they follow directions carefully. MacDougald asked Kyle Shideler, the director for homeland security and counterterrorism at the Center for Security Policy, about the mystery of the identical tents. There was no need for a central group to distribute hundreds of tents, Shideler said. Instead, “the organizers told [students] to buy a tent, and sent around a Google Doc with a link to that specific tent on Amazon. So they all went out and bought the same tent.”
In other words, America’s radical class has gotten very skilled at recruiting and instructing new activists—even from among the ranks of elite college students with a good deal to lose. How much more could this movement accomplish with hundreds of millions in federal dollars flooding activist groups around the country?
From its first week in office, the Biden administration has trumpeted its goal to funnel more environmental spending toward “disadvantaged communities that have been historically marginalized,” partly by issuing grants to grassroots organizations. Previous environmental justice (EJ) grant programs were small in scope. But, with the passage of the Inflation Reduction Act (IRA) in August 2022, a huge pool of grant money became available. EPA administrator Michael Regan told reporters, “We’re going from tens of thousands of dollars to developing and designing a program that will distribute billions.”
More than a year and a half later, it remains hard to nail down just where the Biden administration’s billions in EJ grants will wind up. Money is being distributed through a confusing variety of programs, and the process of identifying recipients is ongoing. To help outsource the job of sifting through proposals, the EPA last year designated 11 institutions as “Environmental Justice Thriving Communities Grantmakers.” These groups are empowered to make subgrants directly to community organizations, under streamlined EPA oversight. In all, the Biden administration has entrusted these outfits with distributing a staggering $600 million in funding. The money is expected to start flowing this summer.
The EPA’s grantmakers include a number of educational institutions and left-leaning nonprofits. For example, the EPA chose Fordham University as its lead grantmaker in the New York region. Fordham, in turn, lists as partners two nonprofits that oppose immigration enforcement. (One, the New Jersey Alliance for Immigrant Justice, states on its website: “NJAIJ believes in the human right to migrate, regardless of citizenship or political status.”) Neither group claims expertise in environmental issues. Given that the IRA’s eligibility requirements for EJ grants are extremely vague, however, perhaps that’s not a problem. Almost any activity that could help “spur economic opportunity for disadvantaged communities” (in the words of Biden’s EJ executive order) might qualify.
Perhaps the most prominent—and problematic—EPA grantmaker is the Berkeley, California-based Climate Justice Alliance. The CJA is a consortium of mostly far-left activist groups. It describes its mission as working for “regenerative economic solutions and ecological justice—under a framework that challenges capitalism and both white supremacy and hetero-patriarchy.” The group is a vigorous proponent of the omnicause, embracing almost every left-wing concern as a manifestation of climate change. For example, the CJA website proclaims: “The path to climate justice travels through a free Palestine.” MacDougald notes that the Grassroots Global Justice Alliance, one of CJA’s affiliated groups, “organized an illegal anti-Israel protest in the Capitol Rotunda in December at which more than 50 activists were arrested.”
The CJA website also includes a section dedicated to the cause known as Stop Cop City. It refers to an effort to halt the construction of an 85-acre police and firefighter training center outside Atlanta. Rag-tag activists from around the country have gathered around the facility since 2021. They have repeatedly battled with police—sometimes with fireworks and Molotov cocktails—and used bolt cutters to enter the site and torch construction equipment. (CJA’s Stop Cop City page features a cartoon illustration of three childlike activists; one brandishes bolt cutters.) The group also backs a legal defense fund for activists arrested in attacks on the training center or in other protests. For those looking for more inspiration, CJA links to an interview with former Black Panther and self-described revolutionary Angela Davis.
The Alliance is not an ideological outlier in Biden’s EJ coalition. On the contrary, when the White House assembled its White House Environmental Justice Advisory Council (WHEJAC), a panel of outside experts meant to provide “horizon-expanding EJ advice and recommendations,” it chose CJA co-chair Elizabeth Yeampierre to help lead the committee. Like other members of the panel, she sees environmental issues through an ideological, not a scientific, lens. “Climate change is the result of a legacy of extraction, of colonialism, of slavery,” Yeampierre told Yale Environment 360. As a group, radical EJ activists tend not to focus on pragmatic ways to reduce pollution and carbon emissions; for them, the real goal is overturning what they see as an exploitative economic and political system. Since these are the voices the White House chose to help shape its EJ policies, we can assume this worldview will dominate grantmaking decisions.
In February 2023, House Oversight Committee chairman James Comer, along with fellow committee member Pat Fallon, wrote to EPA administrator Regan asking for more information on the EPA’s grant programs. They noted that the EPA’s own studies of EJ grants issued in previous years showed sloppy supervision. According to an EPA report, an earlier version of the program funded projects that did “not logically lead to the desired environmental and/or public health [result].” Without better oversight and more clearly defined goals, the congressmen wrote, the EPA’s EJ grant machine risks becoming simply a “slush fund for far-left organizations.”
Since then, the administration has done little to reassure skeptics. To the contrary, the EPA has put at least one far-left organization—CJA—in charge of distributing $50 million in grant money. No doubt, many of the EPA grants will go to worthwhile projects. But money is fungible. A group that gets a large grant to, say, clean up dirty parks or teach children about recycling will also be able to hire more staff and divert more resources to political action.
With graduation behind them, most of the anti-Israel college protesters have stowed away their keffiyehs and moved on to summer vacations or internships. But the peripatetic activists who helped guide and intensify those uprisings are doubtless already planning their next actions. After all, two political conventions are looming. This fall, the college protests will likely flare up again, though by then perhaps focused on a different facet of the omnicause. And, with hundreds of millions in fresh funding flowing through the activist ecosystem, the groups that quietly nurture extremists—like those who firebombed “Cop City,” or who chant “Intifada Revolution!,” or who block bridges in the name of “climate”—will be more emboldened than ever.
A Slush Fund for Radical Protesters? City Journal (city-journal.org)
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I took the UK government site's skill assessment test. Based on the report, my interest lies in:
Working with figures, numbers and data. Career family suggestions: Financial Services Information Technology and Information Management.
I am able to work with numbers well, as well as quickly and accurately. I am also able to work with written information, have good to great spatial and mechanical awareness, and check data accuracy with a high rate of success in finding errors.
I do NOT fair well in creative thinking and solving abstract problems. I am NOT motivated by lively environments, and people focused environements.
At the end of the report there were the following suggest career families: Medical Technology, Medicine and Nursing, Information Technology and Information Management, and General and Personal Services. I found the suggested fields to be at odds with motivation, and interest. e.g. Medical Technology specifically states leadership as one of it's important factors but my intest in leadership is fairly low.
Given how many jobs lie in a career itself I wasn't sure what to do with the over all career families recommended. Advice on how to make the best of this and come out with a better choice at the end of it all for myself and my future.

This is a long one but I’ll try to keep it brief. Note we live in Scotland.
Back in 2015, an ex-fling told me she was pregnant. Long story short, I was not involved. Briefly had contact after the child was born but haven’t since. At the time I was working bar work, had barely two pennies to my name. I did not pay anything majorly financial at the time, although did offer to pay for nappies, formula etc when I could. She did not want me on the birth certificate but my own anxiety and lack of funds meant that I was unable to go further. Fast forward a few months and I met my now wife. We had a child in 2018 and it was only at this point that she applied for child maintenance. The paperwork went to my parent’s address unknowingly so I did not receive it until I saw them several weeks later. I asked at the time for a DNA test but was told that financially they could not support me with this. And because I couldn’t, they assumed me as the father. I meet none of the other legal criteria for assumed paternity (were not married, never even lived together, I’m not on the bc).
Time has passed. I’ve paid every month because what else could I do? I couldn’t afford the DNA. I couldn’t afford the legal costs. So I kept paying and yes criticise me all you want but here we are.
So last year, I contacted cms again. Told them I want a DNA and asked if they could support financially. Surprisingly, despite me earning much more now, they said that they would pay the fee, then if the child is mine I would payback over a period of a few months. I went and gave my DNA sample. I eventually called them and they said this was very unusual but due to the child’s additional needs they were not going to do the DNA test but that I would either need to get legal help or continue paying.
She would not speak to me, and whenever we did briefly message to discuss this, she was often quite horrid. I tried to do mediation, she didn’t pick up their calls. So now I’m stuck. No one seems to be able to help. I do not qualify for legal aid. Citizens Advice only signposted me. And a solicitor wants £300 an hour plus court fees. None of that is doable for me.
I’ve now told her that the only way this can get sorted is if court action is taken, and so I will no longer be paying her. She has now said she will go through collect and pay meaning a 20% increase on payments I already struggle to give. I’ve always paid. But I can’t do this any longer. It seems that she can say whoever she wants is the father, yet won’t let me have a dna, won’t let me be on the birth certificate and she says he hates me.
So with collect and pay - what can I do? I know this seems drastic but at least if I don’t pay it would force them to look at all of this surely? She’s suddenly messaging me now despite ignoring previous messages, since I’ve told her this.

Hello. Me (34F) husband (41M)
Since my early 20s I avoided monogamy passively (I now realise) loved building so many close bonds but I had no idea how to navigate it so I shut down and avoided all romantic relationships. Finally I pushed myself, got close to someone, found out was married, he cheated on her with me until I said it didn’t feel good being a side piece, I stopped talking to him for a couple of weeks and he broke up with her. Now we have been married for 3 years, have young twins together. We separated 7 months ago. Not divorced.
For some context: My ex was emotionally, psychologically and financially abusive. He lies a lot and twists truths. I can always tell. In the depths of motherhood (they changed my life for the better) I put a lot of faith in him and just let him do whatever. It was obviously a wild time with two newborns. Eventually the abuse got worse and I became more aware of it. He would gaslight me through most of it saying it didn’t happen. Anyway finally he said he was unhappy, after denying it the whole time when I tried to talk about it. He lectured me about how he has to remind himself of the bad things so he doesn’t allow himself to think the good things will last. I said that’s bs and he should go to therapy. He agreed. Things are ‘fake good’ but barely then again got worse. After an especially bad day of it he said he wants a separation. I agreed.
Ever since, he has told me he misses me, was confused. Still lies to me to keep his life separate. Has been on dates but the whole time, has asked me for sex (to the point where no isn’t a viable answer) and now that he wants a relationship with me.
Now I know most of what he could say is just a cop out because he could never take any accountability for anything. But it since we have young children and must stay in each others lives anyway I’ve been thinking what if I put down some harsh rules (so he knows how serious the expectations are) then consider i an open marriage. Once extra trust is built I would also do shared sexual play.
We both have adhd (he’s untreated/medicated) and he just doesn’t see how he acts. He loves the introduction bubble then doesn’t know what to do when it gets more mundane. I know it won’t work without effort, possibly a lot more than he is willing to give up, but we both have similar general goals in life so if he wasn’t so manipulative I would contribute to it more.
When we were married it felt like there was always 1 foot out the door. Lack of respect which I know is a bad front to start with this but we would both get a lot out of it. And maybe he will get off my case with the abuse since he’s preoccupied and gives peace to have better open conversations with goals and build trust so we can work towards an actual future for our kids.
My concerns: - continues behaviour making this all pointless but an extra tick for him - he may add comparing me someone as a new abuse. - he will continue to talk badly about me behind my back
Benefits: - both get sex - our sexual chemistry is great - offer motivation towards him learning compromise and respectful behaviour - we have to be local for a long time anyway and would make it better - chance to build trust (if he stops lying) - neither feels trapped and can seek what we want we aren’t getting here - more open conversations - both time poor due to kids so may up the interest in mundane tasks if both happier - once trust, could consider a plan to share finances or buy a house (neither of us can do it solo) - I’ll feel more inspired about putting myself out there to meet others - I’ll feel more confident about myself knowing there’s way less pressure on me
I do actually want to explore this. Am I better off waiting until the twins are in school when I should have 50/50 by then so I can explore this on my own instead ? (3ish years)
We would continue living separately.
Did this even possible with someone like this? Am I just opening up the world for more manipulation?
I would love to explore this solo regardless but I have kids 100% so feel so time poor I couldn’t give even more of myself and extra expectations.
Has anyone got any similar experiences?
What’s your recommendation of expectations if I did lay it out before?
I feel a bit crazy but thanks for hearing me out! Thank you!
TLDR: want to know if someone who’s been abusive could be positively responsive if we opened up our marriage. Both have ADHD.

Hi! I’m about to finish my degree in medical biotechnology. I want to change my career to public health rather than biology.
From what I’ve heard you need some sort of health experience prior (even with a MPH) to land a job after graduation. If I work part time as a medical receptionist/ entry level admin WHILE I’m doing my MPH, what are my chances of landing a job after?
I was also looking into doing Masters of Health Leadership and Management after my MPH if I end up doing that. The uni I was looking at has internship/ placements for this.
I’ve collected a bunch of jobs I’ve seen people do from my research, from these related degrees:
Health economic analyst Health Policy analyst Health Project manager Public Health Manager Epidemiologist Biostatistician Market access manager Health consultant
What are everyone’s thoughts? My plan is probably seriously flawed but I’m just trying to understand my options after doubting my original career plan which was to do medicine.
I’m worried that I won’t be able to find a decent paying job. My ultimate goal will likely to be some sort of manager of a hospital or something like that.
(Btw I’m in Australia)
Thanks!

Hi! I’m about to finish my degree in medical biotechnology. I want to change my career to public health rather than biology.
From what I’ve heard you need some sort of health experience prior (even with a MPH) to land a job after graduation. If I work part time as a medical receptionist/ entry level admin WHILE I’m doing my MPH, what are my chances of landing a job after?
I was also looking into doing Masters of Health Leadership and Management after my MPH if I end up doing that. The uni I was looking at has internship/ placements for this.
I’ve collected a bunch of jobs I’ve seen people do from my research, from these related degrees:
Health economic analyst, Health Policy analyst, Health Project manager, Public Health Manager, Epidemiologist, Biostatistician, Market access manager, Health consultant…
What are everyone’s thoughts? My plan is probably seriously flawed but I’m just trying to understand my options after doubting my original career plan which was to do medicine.
I’m worried that I won’t be able to find a decent paying job. My ultimate goal will likely to be some sort of manager of a hospital or something like that.
(Btw I’m in Australia)
Thanks!

I just have no idea what I want to do with my life.
I have autism, adhd, anxiety, depression, ocd, cptsd, a painful spinal deformity, and chronic long inflammation. I went to school for music production, but the market is so flooded it feels impossible to get in anywhere, especially when networking is so key, but also so difficult for me. I try talking to people at shows and I can barely hear them over the chatter and background music, or they sense my anxiety or something. I try reaching out to people and studio and live venues to help them mix and master stuff or run audio and I just can't get it to happen enough to make it a career. It's the only thing I'm good at and brings me joy, but I can't make it work even after trying for almost 15 years.
Even my side passions: article writing, graphic design, photo restoration. It's all been corrupted even further by AI. Can't even rely on those for minor sources of income anymore.
All the "actual" jobs I work burn me out and I have to quit because my health problems get so bad, but doctors and pretty much everyone says I shouldn't go on disability. That it would limit what I can do. But I can barely do anything anymore. No job that wouldn't bother my conditions will hire me, I don't have a car and don't like driving anyways so those jobs are out of the question, I'm very bad at social media promotion so content creation has been tough. People say to try caregiving but it makes me nervous because I can barely regulate my own life.
Friends and family have to help me a lot financially, and I feel like an over-privileged PoS, and I can't even raise myself up with my support network. Might have to move back in with my parents, but we have a troubled relation despite them helping me out. It's hard not to feel like a failure. I don't know... I've done therapy, I'm on medication, I have a loving relation. Why can't I be happy?

Hi all,
Looking for some general advice. Myself and my partner have a level term life insurance policy which we opened 15 years ago when we purchased our current property. We cleared our mortgage last year, and decided to leave the policy in place with £15 years remaining on the policy.
We are looking to move which would require a new mortgage, and we would look to open a new life insurance policy or bridge the gap between the values. Speaking to two insurance companies, both are pretty adamant that the existing policy should be closed and to create a new policy covering the new mortgage. From a financials perspective if I kept the old policy in place and opened a new policy bridging the difference in value, I would be saving roughly £20 a month in policy premiums. The only issue is that the initial policy would finish a couple of years prior to the mortgage being cleared, but the 2nd/new policy would be sufficient to clear the remaining balance.
Both advisers have not been clear to me with the advice on cancelling the existing policy, just that it would be easier to manage. One of the insurance providers is who my existing policy is with.
What would be the best course of action?

Health Insurance for International Students in the USA: Education has no borders, and many international students are drawn to the United States for its world-class universities and vibrant culture. However, while pursuing academic dreams on foreign soil, one aspect that often gets overlooked is health insurance. In this guide, we will delve into the intricacies of health insurance for international students in the USA, equipping you with the knowledge to safeguard your well-being during your educational journey.

Understanding the Significance of Health Insurance

Why is Health Insurance Vital for International Students in the USA?

The United States is renowned for its cutting-edge healthcare but is equally notorious for its high costs. This necessitates that international students prioritize health insurance. A medical emergency can quickly spiral into an overwhelming financial burden without adequate coverage. Health insurance ensures access to quality healthcare without the constant worry of staggering medical bills.

I (18M) am in university and currently taking 2 spring classes. In one of my classes, I had an assignment coming up with 2 midterms following back to back afterwards (Tuesday, Wednesday, Thursday). So I ended up completing the assignment the day right before it was due and completely forgot to turn it in the next day thinking I would have time to go over it tomorrow. I ended up spending my night studying for my midterm that was coming the next day.
On the day of my midterm, it's late at night and I realize that I forgot to turn in my assignment. The syllabus states it has a strict policy on late assignments and will not be accepted unless accommodations for mental health or any medical issues. Knowing this, I email the professor before midnight asking if anything could be done about it because I wanted to take something over the assignment worth 7% of my grade. He responds the next day saying he cannot accept the submission because it's 2 days past the due date and that I need to remember to turn in my work. I am in shambles. I never had to deal with an issue like this before because I always remembered to turn in my work, but this was one of the days I was way too busy and it just flew out of my mind the moment I set my mind to studying for the midterm. The feeling of dread and everything hit me when I got the email. Afterwards, I talked about it to a couple friends saying that they had turned in late assignments before but I had to keep in mind that they were in a whole different major. With very little hope, I then decided to email the TA on Thursday thinking that maybe they can do something about it because they are the ones grading the assignment. I email the TA with more detail and desperation in the tone of my message because I was feeling overwhelmed, saying that I would take any percentage and that it felt unfair I spend hours on the assignment to end up with a 0 and little to no time to study for my other tests. Then the next day after, I receive another email from the professor stating that it is unacceptable for me to try to bypass the policies. I felt really bad at this point because my mindset when I sent the TA the email was that "there's no harm in not trying right?" After reading the email, I I felt like I wasted their time and had the TAs go through a hassle just to contact the professor again and read through another university students rant and having to feel bad for them. I responded to the email apologizing and saying I was confused on who to email because my thought process was that the TAs grade it, wouldn't it have been better to email the TA? In the end I emailed both of them. And so, I sit here with a 0 learning my lesson but also feeling like I committed academic dishonesty. I didn't have the intention to try to get around the policy but from the professors perspective he just thought I was trying to slip my way into getting my assignment graded by the TA when in reality I thought I had nothing to lose to try and get any marks.
I feel bad. I'm thinking about going to apologize to the professor in person for what happened and just clearing things up.
TLDR: I email my prof about a late assignment and he said no, then I emailed my TA asking about it and ended up with a firm email that accuses me for trying to bypass the no late assignment policy (TAs grade the work).
EDIT: I also ended up failing that midterm so overall just added on to the bad week in general.

666 AND BAR-CODES, MARK OF THE BEAST
(Hatonn here describes in 1991 how it will be. I suggest ghat it dexcribes today how it is. Everything is marked including us.)
I have been asked time and again about the connections and if, in fact, there are connections regarding the 666 symbol and bas-codes.
I can assure you of one thing, the number 666 does not randomly appear any more often than does 222, 444, or say, 333. Nevertheless, it is quite obvious that WHERE the numbers appear is very definitely of great importance. The numbers 666 are rapidly becoming man's favorite number and keep popping up in strange places--even though a recognized symbol of pure Satanic code--it is appearing more frequently than any other "number" in the so-called Christian and other religious placements. It is worthy of the time to speak of this matter for I think you must become aware that this code is being placed on all of you. I think it worth the time to give a listing of some instances of use of this number which none of you should miss in noting.
* World Bank code number is "666".
* New credit cards in the U. S. are now being assigned the prefix 666.
* Australia's NATIONAL bank cards have the code 666.
* Central computers for Sears, Belks, Pennys, and Montgomery Wards around the world have all their transactions prefixed with 666.
* Shoes made in European Common Market Countries have stamped on inside label 666.
* Computers made by Lear Siegler have a seal on the side on which is stamped the number 666.
* Internal Revenue Service instructions for NON-PROFIT Corporation Emoloyee 1979, W-2 Form requires the prefix 666.
* Internal Revenue Service began to require the prefix of 666 on some forms; for example, W-2P, disability is 666.3; death is 666.4, etc. as early as 1977.
* Tanks built by Chrysler Corporation...have on their sides 666.
* South Central Bell's new Telco Credit Union Cards require the prefix 666, then the person's Social Security number.
*. ID tags on 1979 GM cars produced in Flint, Michigan, contain the number 666.
*. United States Selective Service Cards have on them 666.
* Overseas telephone operator number from Israel is 666.
* Arab-owned vehicles IN JERUSALEM have license plates prefixed Wirth 666.
*. Record album released by the rock group, Black Sabbath is named 666.
*. The films, Omen I and II concern themselves with a world dictator and the number 666.
* Some IBM Supermarket equipment is prefixed with the number 3.666.
* JC Penney began prefixing account numbers in August, 1980, with 666.
* Master Card began using on their August, 1980, statements--66.
* Formula for NCR Model 304 Supermarket Computer System is 6 60 6,666.
* The United Nations resolution #666 came during the Iraq War.
Precious ones, there are contests even, called "666". What is happening by total intent is to condition the world to accept the coding of 666 without question or note. There is coming a day when a world governmental system will demand that everyone in the world take a mark and the number 666 in order to work, buy or sell. This fact is clearly set forth and being followed diligently. If you think you can avoid the mark of the beast--think again--YOU ALREADY BEAR THE MARK; DON'T BE STUPID AND SET YURSELF UP TO DENY SAME. YOU ARE ALREADY MARKED AND THE INSTRUCTIONS TO REFUSE THE MARK IS NOT OF GOD'S GIVING. YOU STEP FORTH AND REFUSE WHEN Y0U ARE ALREADY WITHIN THE SYSTEM AND YOU ARE DEAD OR INCARCERATED AND USELESS UNTO GOD'S WORK. IT IS A SEPARATION ENTRAPMENT SET FORTH BY THE BEAST TO CATCH THE LIGHTED PEOPLE. YOU CAN STAY OUT OF THE SYSTEM TO THE FULL LIMIT ALLOWED BY THE LAW BUT YOU DO NO ONE A FAVOR BY GETTING YOURSELF KILLED--IT NEANS ONE LESS WORKER FOR GOD.
THE NUMBER OF MAN
Let us look at that which is projected unto you and might be well worthy of note. Then number with which all the world will be commanded to work, buy and sell during the Great Tribulation is the number of man--and you find it on all bar-codes and Elite products. Number 6 as has been distorted for identification and easy reference has even taken as the number of imperfection; the human-given human number; the number of MAN as destitute of God--without God/Christ. At any rate, it is certain that man was created on the sixth day goes the accepted WORD, and thus he would be established under the number six--which would identify him and then, it goes on with several other non-coincidental accidents in numbering. For example, six days were appointed to man for his labor so it went, while one day is associated in sovereignty with the Lord God--as his day of rest. Then the infinite symbol of 8 represents infinity or immortality which is also of God. The serpent also, was created somehow on the sixth day, or so the Goods Book says--obviously God was most busy and yet totally restricted on the sixth day of His masterful creation. The sixth clause of the Lord's Prayer treats of sin. Six is the number stamped on all that is connected with human labor. You will see it stamped upon his measures which he uses in his labour and on the time during which he labors. And you see this from the very beginning.
Six, thew number of man, is one less than seven, the number which represents God and two less than the Creation. This indicates that man was created somehow in the likeness of God, but is not God, because God is perfect and sinless and one within and with Creation. The Sixth Commandment came as a result of Cain's sin of killing his brother, and the man who will ultimately claim the number 666 will be the greatest murderer the world has ever known. God put a mark upon Cain after the murder of Abel. Although Cain's mark was for the purpose of protecting him from those who would kill him, it also signified that before God, he was condemned. God forbade the children of Judea to mark their bodies--or did he? For the translation always read "Israel". The quoting then always continues with this looking forward to the time when the "Jews", as well as the rest of the world, would be called upon to take the mark of the Anti-Christ. Well, will the "Jews" take the mark? I guess so--they crested it!
But let us look a bit further into the book of Revelation. The Apocalypse: The 'mark' itself is at once a number and a name. The Apostle tells you what it is. As he gives it, it is made up of two Greek characters which stand for the name of Christ, with a third, the figure of a crooked serpent, put between them...Thjis horrid sign must everyone receive on one of the most conspicuous parts of the body, cut, stamped or branded in, there to abide indelibly. No one may either buy or sell without this mark, and all who do receive it take upon their bodies the token and seal of heir damnation!
Do you really.believe you have not already been branded? Let us consider that, for years--well over two decades--the laser beam has been branding steers and horses--and even salmon while they remain in the stream, swimming. It is instant and painless. The laser simply destroys skin pigment. In some thirty-BILLIONTHS of a second a technician can stitch a brand--or initials, or symbol. This type of branding of animals for ownership or research purposes has become common practice. Do you think it probable that everyone of you have been branded while standing, say, in a line to vote or register your car or, or, or--certainly if you have any kind of medical examination, dental care or hospitalization--especially immunizations.
TRANSACTION CARD/FINAL CARD
This is the final laugh at the world citizenry. This is one of the world's greatest conspiracies and it is being quietly conducted in.the most sacred halls of secular secrecy, brothers. While its thrust is Economic, its reach is without limit. No System will escape its mastery, be it in Politics or religions, Social or otherwise. I told you long ago, dear ones, that the SDI program was not f defense but rather to place into space satellites which unite the entire world banking system--the beast to all other parts in instant connection--with all citizens registered, identified and located. You are all simply within the system. The point is to protect yourself from the system as much as possible and the only way to do so is to utilize the laws and rules utilized by your adversary for as long as you can do so.
The Prime Mover here is the most powerful Consortium of financial institutions, capitalists, and scientists ever leagued together. Their common purpose is to bring every person, place and thing under their total control and it is all but in place and already operational.
The applied strategy is by way of instant IDENTIFICATION. This means of ixentoification is by way of assignment of MARKS (or bars) for NUJMBERS read by machines. (Numbers people can read, Marks they can't--the name of this game is SECRECY.)
Phase I began in 1970 with a ncnscientious effort to "IDENTIFY EVERY ITEM" at the manufacturers level with a NUMBER "MARKED" on it. A group of Numbers designated by Marks, lines or bars, is called a Bar Code, (Code 39, etc.), and giant computer manufacturers are central to the phase.
Phase II began in 1973 with an effort to IDENTIFY each PERSON with a Number. The Social Security Numbers when blended with the Universal Numbering System will be converted to "Bars". Initially, the NUMBER will be "marked" on a Card; (a World_Wide Money-ID-Card). Subsequently, according to the old Bible Prophecy written ands directed by the very ones who would put it into place, it will be stamped upon the person it identifies. As the MARK OF IDENTITY on an ITEM is a Bar Code, so the MARK OF IDENTIY on a Card and later on a person, will be a Bar Code facsimile. The Government, Banks, and Card Companies are central to this phase.
Phase III is an effort to identify everything in the world, whether mobile or stationary; if mobile, then how to instantaneously locate it, as a piece of luggage, an expensive race horse, a family car, or a pet or person. Central to this is the Federal Government which has spent ten years In research on "Electronic Identification" at Los Alamos, the Airlines, and private inventors.
The symbol of 666 is absolutely instrumental to the Bar Code system. You are already in it, so let us be most careful how you handle it. Your best defense against it is to know truth about it--stop deluding yourself that you can somehow avoid the mark lest you get s special mark which sets you apart as a troublemaker and you will be among the first incarcerated or removed by other means.

How does someone get financial help other than the government? I’m in a real bind and can’t really ask anyone for any help but I was let go from my job and am medically unable to work and have about $3,000.00 in debt and need to be able to pay bills and take care of a kid. Someone help. And I’m not into that onlyfans or anything related like that person.