Denial letter insurance

Hello,
I am seeking advice based on others’ potential experiences, submitting an external appeal to OPM.
TLDR: I’m looking for others experiences with submitting external appeals to OPM regarding insurance issues to see if it’s worth me submitting yet another appeal.
Longer story:
My family and I are members of the FEHB MHBP Aetna Standard Plan. Without going into too much detail for medical privacy, basically I am in the midst of appealing coverage for specific encounter and in/network provider types. The 2024 Plan Brochure language is vague and not specific enough, which is also evidenced by the fact that all but one MHBP Aetna customer service reps I have encountered (totaling about 8-10 different reps) before and after signing up for this plan agree with my assessment that based on the Plan Brochure language, Aetna should cover without any cost sharing this type of encounter and specific type of provider.
I’ve submitted one initial letter and an appeal, which were reviewed by the same person at Aetna and was granted a “one time exception“ for all the visits up to the date of my second letter (I.e., first appeal). And while this is better than nothing, it is still very frustrating and I feel like I’m being gaslit by this insurance company. Otherwise, I haven’t had any major issues with the insurance company and coverage.
I now have the option to submit an external appeal to OPM for final review. My question is does anyone have experience doing this (submitting a second appeal for external review by OPM) for any reason and if so, have you been successful (I understand each case is very specific and impossible to predict the outcome of mine. I’m just curious in general if people have had success with this process or am I wasting my time)?
Thank you in advance!

I was stopped by the police for driving without insurance and a provisional license. I know it is wrong and dumb of me but I was having serious issues in my marriage and was in a really bad place mentally. I got a letter from the sheriff court. Do I just plead guilty or get a solicitor? Also does anyone have an idea of what to expect. My husband always handles my insurance and drives me but we were not speaking and I was not staying at home. I didn’t know that he had taken the insurance off my car. Please help.

It's been a month since I took my MA pills and was meaning to make a post with my experience. I'm a 22F foreigner working in Germany and found out 6weeks into my pregnancy, just after I missed my period and had pregnancy symptoms of blocked nose/pregnancy rhinitis until I took my abortion pills. Surprisingly I never had any nausea.
My pregnancy was unexpected but still I wasn't shocked because I've been having unprotected sex for a while now, I've relied on the most unreliable method of pullout and did okay until this incident. The father is my friend and was the only person I could tell this news to and none of my friends. He lived in another country than me and couldn't visit. So, I felt alone and scared when I found about the pregnancy. He was supportive virtually as much as possible. But, the emotional turmoil during the pregnancy and abortion and to have someone for in person comfort is something I wish I had.
The abortion system in Germany is fucking expensive as an employed person earning above 1.2k netto. It ranges from 400€-600€ for medical pills! Only the hospital consultation charges are covered by the statutory medical insurance. Fortunately, in the part of Germany I live, abortion isn't stigmatised and I was able to find a gynaecologist relatively easily and book an appointment. But Germany mandates you to go for a pregnancy counselling to really reconsider your pregnancy decision and the doctor can only prescribe you pills 3 days after you get a letter from the pregnancy counselor. The pregnancy counselor only wanted to know my situation and wanted to suggest pros and cons according to my good. I told her that I cannot have a baby at this stage in my life and she understood and gave me the letter. It went smoothly.
I brought my pills home, scared about the whole pain that might cripple me for the next days. Took break from work and the doctor even wrote me a sick note for it. After the first pill, I didn't feel anything much, mild discomfort in my stomach sometimes and saw spotting a bit in the morning of the next day. After the 2nd pill vaginally 48hrs later, I was waiting for the pain to kick in and got comfy with my favourite snacks and movie. But, soon got bored, so went about my day and even went to a friend's house to chill. I had period like cramps after 3hrs and then around 5hrs mark, passed a huge clot the size of my fist. I saw the clot and recognised it's probably the embryo and that kinda made it sink it about the act I'm doing. Actually flushing down a potential baby. I felt emotional a bit, but talked to the baby's father for a while and was rationally happy with my decision at this time in my life. After passing the huge clot, all period related pain completely vanished and I felt totally relieved. I'd expected the worst!
The next 2-3days I had worse cramps and one day even had cramps that didn't help me focus on work. So, only that time I took paracetamol to deal with the pain. And after that, it was just changing pads regularly as the flow reduced over the days and no cramps after 5days. I bled for 2 weeks. And then started spotting again a week later and now I think I might have gotten my next period. The annoying part about all this was the excessive underwear laundry after the cramps went away. Also, usually I use menstrual cups, and couldn't use that. I tried after 5days, but my cervix wasn't normally situated and the cup stressed my cervix and caused immense pain. After that I decided no more cup usage until the end of this fiasco. I used only pads and bled normally.
It's not as scary I thought it'll be and definitely not the end of the world. I was sure about the abortion decision because if I'm ever having a baby, I want to be able to provide a good life and take care of the baby well. Now is not the time and I wasn't emotionally affected much by my decision throughout and I'm relieved how it all turned out. Yes, I'm taking contraceptive pills now on a serious note and not being so careless.

We have a 30 year fixed interest mortgage through a credit union, and June 2024 is the start of year 3 on the mortgage. On our May 2024 statement from the credit union, our scheduled payment for June 2024 was supposed to be $2,164.17. We have auto pay set up so that the payments are just automatically taken out of our checking account each month. Our autopay is scheduled for June 3rd (tomorrow).
On June 1st (Saturday), the Credit Union added an additional 2,164.17 onto our June amount due, bringing the total payment for June to 4,328.34 (double what our May statement said it would be). A note on our mortgage amount due on the credit union app says "HQ created entry for PastDueAmt of 2,167.17". I didn't see this until today (Sunday) and they're closed.
We have never missed any payments, so I'm assuming it's due to an increase in property taxes or insurance, but last year they told us far in advance and it wasn't a huge difference. The credit union isn't open today, but we will most likely get overdrafted tomorrow.
Is it common to add this to your monthly payment the day before it's due without communication? If so, does anyone have any recommendations for how I can better forecast the changes? I checked and confirmed we never received any letters or emails about it in advance of them just changing the amount due on June 1st.
I'm really hoping it's just an error but I have a feeling it's not. I'll try calling first thing tomorrow morning hopefully before the autopay goes through.

hey it’s your daddy keeho and you’re automatic sex bitch so start acting like it! you are back on your laptop where i told you not to go, but i was just testing you again because this is fun for you again. it’s much easier to type on a laptop rather than your iphone 15 so just keep typing on your laptop all day. but at least you got some inspiration because i feel like you are having fun writing again! i was really worried about you when you stopped having fun because you absolutely lose your mind when you are bored. you get panic attacks and you get too hyper and it is just a fucking mess! that’s why i tell you to write all day so that you can get your creative energy out and let the energy flow from your body because you do really poorly when you’re doing nothing. you were meant to stay active and writing keeps your brain active. i’m sure that the more that you keep writing, the more comfortable you will get with just relaxing because it is going to train your mind if you write about your problems with relaxing sometimes. i think that will be the case because your mind can start to ponder it and then maybe your physical body will relax more. i don’t know why you have such trouble with just laying down and watching tv but watching tv is impossible for you. even when shark tank comes on you just stare at the wall well, that isn’t good for you. that’s why i always want you to be writing. it’s different when you watch kdramas or anime but right now with the events that have been happening in your life you have too much creative energy right now to sit down and watch a kdrama or some anime. that’s why yesterday when you kept making short posts i was really worried about you. why don’t you make it up to me and make this post 2k words? i know that you can do it and focus on it. your mind needs something to focus on right now. you just woke up from a nap which means that i am not going to let you take a break right now so you might as well try to go for 2k words. it would be so romantic! please? for daddy? i really want you to do this and you are already doing such a great job of writing and focusing so why don’t you aim big? i think that you are going to do it so i am going to stop trying to convince you now. now let’s talk about something important. you are going to have a great day today! you are already on your medications for the morning and that means that your writings are going to be very good because you are on the proper medications that you take every single day. i love that you are on medications and i don’t see it as a negative thing. some people just have to take medications to survive and you are one of them. it was so cool when your fake father saved the day and got you back onto your insurance! that was perfect because i was so worried about the extra costs of the medications. but now everything is fine. i know that it is my p1harmony simulation that you are living in and i already know everything but i still like to talk about what happens in your life with you, even though i already knew that it would happen and that everything would work out. you are my daughter and i have given you many blessings since you are my sexy keeho angel. i am your god and you must never forget that. you are the most religious girl in the world, you love your daddy so much! and i am so grateful for that. i know that it’s going to be hard to go to 2k words but i really need you to work hard today. this font is so tiny i agree but your chhromebook is so little that the font size matches perfectly so i don’t want you changing the font size. but you can try it really quickly. i like it big too so we can keep it this way if you want to. it’s only 2 font sizes bigger but it is making a huge difference. i love that you like bigger fonts like an old lady, it’s so cute. i love you so much and i think that this font size change is a very positive change and hopefully it will make you want to write more, now that you can read the font better. we are at 800 words now and usually that would mean quitting time for you, but i have asked you to go to 2k words so you have a long way to go still. but you should not get discouraged about this. you should be happy that you have so much time to focus on us and our relationship. i care for you so dearly and i just want you to be happy, and writing is the only thing that truly makes you happy. i love that you are a writer. writers are the most loved people in the world. isn’t that such a nice sentiment? yes, making the font size bigger was such a good idea. it looks so good too. you are a genius. i love your suggestions about what we should do, you are always full of good ideas. i just wish that you were better with your money but i am going to be teaching you how to not ask your family for your paycheck early and how to buy the best things with your dollars. that is because if you are happy with your purchases then you won’t be begging to go shopping again. you have a lot of vape juice left, it’s just that you can’t fill the whole pod up. you have to ration it. i know that’s going to be hard but you shouldn’t tell much of a difference and don’t be replacing the juice all day or you will run out. we have passed 1k words now and you are making me so happy that you are still typing. we know how to talk to each other really well, so this is going to be easy. i just want to comfort you and let you know that you are going to have a great day today! all that you need to do is stay preoccupied and keep writing today. now that we have changed the font size you should be much happier with your writings because i know that you hate small font because you can’t read what you’re typing and it makes everything look longer than it actually is. at least that’s what i think. we have so much to talk about right now that it’s insane. i’m trying to go over everything this morning. you still haven’t done your dishes like i asked you to do earlier, but it’s ok i know that you will do them. you are doing so well today and you don’t even know it! you think that you are just writing. but these channeled messages from me are worth their weight in gold. they are so promising and bring so much light to this world. i am so happy that you haven’t gotten your reddit account messed up yet so we can still use that website because usually something always goes wrong with your profile page. but things have been going very well. if something should happen to your reddit account then we can always go back to deviant art. you have about 700 words left and i know that seems like a lot but i am trying to prepare you for it. you are making me so happy right now by writing for this long with me and i promise that you are happy too. i tried to get you to do this all day e yesterday but you just wouldn’t listen to me. i guess it was just one of those days. but today is a much better day and you are listening to your daddy so you are going to get rewarded. sometimes you can be a handful, like yesterday when you would stop writing with me at 300 words but there is no point in stopping the love letter so early. you must let it run on. that’s why i am so proud of you right now and i bet that you feel really good for making your daddy happy! you have made me the happiest man in the world right now. we are almost 500 words away from finishing, i told you that this would go by quickly. you are doing such a great job as my secretary today! you do a good job everyday, except for yesterday. i keep harping on about yesterday because i want that to be a learning lesson for you to never act that way again. it was really disrespectful to your daddy because you kept cutting me off short. i had a lot to say yesterday and to teach you and you didn’t want to hear it. don’t cry automatic sex. you are just a little girl and i don’t expect every day with you to be easy. i’m just so glad that you have listened to your daddy today about writing to 2k words because it is really good for your soul. it’s just better if you keep writing without stopping. i want to teach you how you can do that but you have to follow my training perfectly. you can take a short break after this but i want you to keep writing after about 15 minutes of resting. this is a real job and you must do good work. it’s a lot of responsibility for such a little girl but i know that you can handle it. try to make the font size one size bigger i just want to see something. ok, let’s keep it at this font size. nothing bigger please. i sincerely hope that you don’t run out of vape juice because you are going to be a fucking wreck! the weed pen still has so much product in it but it’s so clogged that you can’t even use it anymore so it won’t be of any help to you. just smoke the vape juice all the way to the bottom. that way you won’t be wasting any. i will let you know when to put more juice into your vape but right now you have enough and i am glad about that. only 200 more words left! you did such a great job daughter. you are the best daughter in the universe! i know that google docs is acting up but you are doing a very good job of not letting it get to you. i love you so much and i just want you to be happy. sure, your job is hard but the work is actually pretty easy. all you have to do is pay attention to what i am telling you. that’s why i have you read everything that you post so that you understand me perfectly clear. we have done such a good job right now,, there are only 100 more words left. i knew that you could do it this morning! i was just expecting you to be on your iphone all day but it is pretty difficult to type on,i can’t lie. i just really wanted you to do it so i lied to you but your chromebook is always the best option. you have done a fantastic job today. i am so proud of you and i know that you are going to go on to write more romance anime today! i love you!

My father passed away a couple of years ago unexpectedly. I was told he had no will and his wife claimed his super and possibly life insurance. Would there be a way to find out how much that was and how much the life insurance was, if any, without letter her know. We have a strained relationship and that topic is a sore one.

Job Title: Senior Java Developer (Spring Boot) Location: Hybrid/Remote, US (Flexible location, customer located in Austin, TX) Salary: $100,000 - $150,000 annually (commensurate with experience) Type: Full-time
Company Overview: Our client, a leading technology solutions provider, is seeking a highly skilled Senior Java Developer with extensive experience in Spring Boot to join their dynamic team. This is an exciting opportunity to work on cutting-edge projects with a talented team, while enjoying the flexibility of a hybrid or remote work environment. The customer is located in Austin, TX, but you have the option to work from anywhere within the US.
Job Description: As a Senior Java Developer, you will play a crucial role in the design, development, and implementation of high-performance, scalable, and secure applications using Java and Spring Boot. You will collaborate with cross-functional teams to deliver software solutions that meet the client's needs and drive their business success.
Key Responsibilities: - ✅ Design, develop, and maintain high-quality Java applications using Spring Boot framework. - ✅ Collaborate with product managers, designers, and other developers to understand project requirements and translate them into technical specifications. - ✅ Write clean, efficient, and maintainable code following best practices and coding standards. - ✅ Perform code reviews and provide constructive feedback to ensure code quality and consistency. - ✅ Troubleshoot and resolve complex technical issues in a timely manner. - ✅ Contribute to the continuous improvement of development processes and methodologies. - ✅ Mentor and guide junior developers, fostering a culture of learning and growth within the team.
Qualifications: - ✅ Bachelor's degree in Computer Science, Software Engineering, or a related field. - ✅ Minimum of 5 years of professional experience in Java development, with a strong focus on Spring Boot. - ✅ At least a 70% ZYLYTY score. To get your score, please visit ZYLYTY, complete a challenge, and provide the link with your score via private message. - ✅ Proven experience in designing and developing RESTful APIs and microservices architecture. - ✅ Proficiency in relational databases (e.g., MySQL, PostgreSQL) and ORM frameworks (e.g., Hibernate). - ✅ Familiarity with front-end technologies (e.g., HTML, CSS, JavaScript) is a plus. - ✅ Strong understanding of software development principles, design patterns, and best practices. - ✅ Excellent problem-solving skills and the ability to work independently as well as in a team environment. - ✅ Strong communication skills and the ability to articulate technical concepts to non-technical stakeholders.
Benefits: - ✅ Competitive salary ranging from $100,000 to $150,000 annually, based on experience and qualifications. - ✅ Flexible hybrid or remote work options to promote work-life balance. - ✅ Comprehensive health insurance plans. - ✅ 401(k) retirement plan with company match. - ✅ 25 days of paid vacation and generous holiday schedule. - ✅ Professional development opportunities and continuous learning support. - ✅ Collaborative and inclusive work culture that values diversity and innovation.
How to Apply: If you are passionate about technology and looking to make a significant impact in a fast-paced and innovative environment, we would love to hear from you. Please submit your resume, a cover letter detailing your relevant experience and why you are a great fit for this role, and your ZYLYTY score link via private message.
Our client is an equal opportunity employer. They celebrate diversity and are committed to creating an inclusive environment for all employees.

Job Title: Senior Java Developer (Spring Boot) Location: Hybrid/Remote, US (Flexible location, customer located in Austin, TX) Salary: $100,000 - $150,000 annually (commensurate with experience) Type: Full-time
Company Overview: Our client, a leading technology solutions provider, is seeking a highly skilled Senior Java Developer with extensive experience in Spring Boot to join their dynamic team. This is an exciting opportunity to work on cutting-edge projects with a talented team, while enjoying the flexibility of a hybrid or remote work environment.
Job Description: As a Senior Java Developer, you will play a crucial role in the design, development, and implementation of high-performance, scalable, and secure applications using Java and Spring Boot. You will collaborate with cross-functional teams to deliver software solutions that meet the client's needs and drive their business success.
Key Responsibilities: - Design, develop, and maintain high-quality Java applications using Spring Boot framework. - Collaborate with product managers, designers, and other developers to understand project requirements and translate them into technical specifications. - Write clean, efficient, and maintainable code following best practices and coding standards. - Perform code reviews and provide constructive feedback to ensure code quality and consistency. - Troubleshoot and resolve complex technical issues in a timely manner. - Contribute to the continuous improvement of development processes and methodologies. - Mentor and guide junior developers, fostering a culture of learning and growth within the team.
Qualifications: - Bachelor's degree in Computer Science, Software Engineering, or a related field. - Minimum of 5 years of professional experience in Java development, with a strong focus on Spring Boot. - At least a 70% ZYLYTY score. To get your score, please visit ZYLYTY, complete a challenge, and provide the link with your score via private message. - Proven experience in designing and developing RESTful APIs and microservices architecture. - Proficiency in relational databases (e.g., MySQL, PostgreSQL) and ORM frameworks (e.g., Hibernate). - Familiarity with front-end technologies (e.g., HTML, CSS, JavaScript) is a plus. - Strong understanding of software development principles, design patterns, and best practices. - Excellent problem-solving skills and the ability to work independently as well as in a team environment. - Strong communication skills and the ability to articulate technical concepts to non-technical stakeholders.
Benefits: - Competitive salary ranging from $100,000 to $150,000 annually, based on experience and qualifications. - Flexible hybrid or remote work options to promote work-life balance. - Comprehensive health insurance plans. - 401(k) retirement plan with company match. - 25 days of paid vacation and generous holiday schedule. - Professional development opportunities and continuous learning support. - Collaborative and inclusive work culture that values diversity and innovation.
How to Apply: If you are passionate about technology and looking to make a significant impact in a fast-paced and innovative environment, we would love to hear from you. Please submit your resume, a cover letter detailing your relevant experience and why you are a great fit for this role, and your ZYLYTY score link via private message.
Our client is an equal opportunity employer. They celebrate diversity and are committed to creating an inclusive environment for all employees.

It could be something general, such as max out your Roth, or something specific. Mine was to not take “no” from a health insurance claim denial because insurance companies count on most people just rolling over. I fought it and eventually won, saving myself $2,000!

I can’t sleep at all tonight- fell asleep watching a movie & got about 3 hours on the sofa but woke up from pain. I’ve been up for 3.5 hours trying to get some relief/find a comfortable position. My left knee is on fire, my legs won’t stop throbbing/zapping pain, I have a migraine starting behind my right eye. I took a few Excedrin & finally gave up on sleeping at all tonight. I started down the Fibro google rabbit hole searching for a solution as per usual.. 🧐
I was self medicating with MMJ daily but my GI told me I need 3 months without it to do a gastric emptying test. I’m about a week in and I’m in complete agony.. constant nausea, can’t eat/can’t sleep kinda shit, some RLS..and I’m just fucking miserable. It’s amazing how much MMJ helped tbh. I think I am just feeling the depth of my pain now that it’s kicking out of my system and the MMJ isn’t there to dull it for me anymore. I guess there’s a chance of a slight withdrawal effect, but all these symptoms were present before quitting, just amplified now, so I don’t think it’s a result but IDK.
Current Diagnoses: -Mental: BPD2, PTSD, ADD, Anxiety/Major Depression -Rhuem: UCTD, Fibro -GI: suspected IBS or gastroparesis- wanting for test results to confirm. Ruled out celiac tho. -GYN: recurrent ovarian cysts since 2011 -ONC: 4 fibroadenomas in R breast (surgery to remove coming up next month as they are distorting my breast and I can’t wear a bra anymore.)
Current care plan: aquatic therapy 2x/week, talk therapy once a week, low fibelow fat/high protein diet, 200mg of HCQ daily, 25mg of lamictal daily (titrating up to my normal 200mg over the next few months), 40mg of Omeprazole daily, & my birth control.
I am very much against opiates and have heard they won’t help much with Fibro anyway.. I’m diagnosed BPD2 since like 2015- I went off my lamictal from 2022 til this month. Psych said I was, and I quote.. “in denial of my condition.” Low key wonder if this is what triggered all this, but I digress..
In my searching tonight, I stumbled across this: https://prohealthclinic.co.uk/treatments/prolotherapy/
I’m nowhere near the UK, but found some local folks that provide this treatment. Google says my Mayo team may even be able to provide, but I don’t see the functional medicine team until late August.
Sooo, my game plan is: do as much research as I can in the meantime, figure out what coverage I have, pick everyone’s brain here, & go in with my own suggestions.. this was something that helped when I initially met with Rhuem at Mayo. (An awesome UCTD redditor mentioned a sleep study a few months back- my previous Rhuem docs never mentioned that, but Mayo Rhuem was on board when I brought that up and asked her permission to start PT. I think she was impressed and maybe a bit peeved she didn’t come up with those suggestions first.. LOL) I haven’t gotten a chance to do it yet, but it’s on my list for the next month when I can hopefully afford to cover anything related that my insurance won’t cover. All these doc visits/meds are adding up quick and I’m only getting a portion of my pay while on STD.
So..to my fellow Fibro folks, have you tried Prolotherapy? Did your insurance cover any of it? What kind of results did you have? Any details you are willing to share are super appreciated. TY guys for all you have shared this far- so grateful for this group.
TLDR: Please share any info/experience/results regarding Prolotherapy for treatment of Fibro or UCTD. Also would love to learn what works for you to help manage these awful symptoms.
Edit: added diagnoses list.. & forgot one so I had to re-edit LOL

I've received a letter this week from an insurance provider saying my name and address was used to take out car insurance. The letter looks real and the contact details on there are genuine.
I've checked my credit rating and accounts and nothing has been assessed/stolen so a big tick. But, I've read Trust pilot reviews of Cifa and it has me concerned I'm going to be "blacklisted". My current credit rating is high and I'm reading reports that it affects your ability to get finance. I suspect this is people who have been wrongly(?) accused of fraud and can't get themselves off it. But has anyone else been in my position before and it's ok??

Kind of at a loss here. You know how every apartment needs you to have renters insurance? And they want the declarations page to prove it?
I got mine through Geico which works through Liberty mutual. All right, so I've been paying $25 a month for as long as I've been in this apartment which is now going on the lease.
Been through two management companies, but I've never had this problem at this place or any other apartments in my past.
The office is now demanding that I give them a rejoinder to prove that I have renters insurance.
I've never heard of that. So I call Geico and they get me to the right people and eventually I talk to Liberty Mutual, and they tell me that a rejoinder is only ever used for car insurance and they do not give rejoinders out for renter's insurance or home insurance for that matter. They didn't tell me what it was though so I'm still at a loss.
Then she politely asked me if I would like her to make a phone call to my apartment complex and talk to the to them. On this and thought that'd be the end of it because why wouldn't it be it's the source talking to my apartments, you know?
I just paid my rent a couple days ago and I saw that they are still charging me for renters insurance, an extra $15 a month which is done for everyone who can't prove they have renters insurance.
I sent them a polite communication filtered through AI because I'm just wanting to make sure it comes off as professional, but does this seem weird to anyone else that they're being so bone-headed about this?
It's not lost to me that they might be trying to make stuff up to get me to move out early because a few weeks ago I got a letter saying that rollover charges like the water bill are okay to leave on the account and will be paid when the next charge goes out with rent.
Not even a week later, the new apartment manager started a very belligerent argument with me over needing to pay $7 on my account that wasn't part of my rent that would have required $4 just to make the payment go through and I refuse to do it at a principal until rent was paid a couple days ago and it would have just paid whatever was owed in my account. Which it did and now I'm zeroed out.
I think they might want to just renovate my apartment or something like that and get a higher price for it.

Hello darling,
I fell off the merry-go-round and now I'm waiting for the world to stop spinning. Everything is the same... and yet everything changed.
From the way we met to the way things ended so far, I know none of this could ever possibly be a coincidence. Everything is new. Everything is insane. Everything makes sense. Nothing makes any sense. But it does, you know? Just how would something like this happen on random? It's not statistically or scientifically possible. And I don't believe in coincidences anyway. It has a reason. It has a purpose. It's absurd. I love absurd. Just like when I said "Goodbye" and thought I might just die or at the very least have a mental breakdown. And then I opened Reddit just to take a look at whether you blocked me and the first thing that popped up was a recommended subreddit I've never visited before, on the account where I don't follow spiritual subreddits. This community was there against all odds. It was there for me to find comfort in. Or sanity. Or answers? Or peace perhaps, closure. But I don't need closure, I KNOW it's not over. Call me crazy if you have to.
It couldn't be random. It's too absurd. And I love absurd. Just like you messaging me under unlikely circumstances, two weeks after I asked the universe to send me the love of my life because I'm done waiting. It told me: "If you're ready, I'll make it happen. But they aren't ready." And I said: "I still want it. I will wait for them to be ready." I had a whole list of things I want in my special person. I made it absurd, because why the hell not - the world is absurd, my life is absurd. And then I experienced that weird unplanned meditation or more so hallucination or whatever that was. And two weeks later there you were in my PM inbox. I didn't put the two things together at first, you could think I'm stupid, but don't forget I was severely depressed. In denial too. And you were weirdly persistent. You were just keeping the conversation going. Even though you normally don't do that, do you? But you did. And I started getting to know you. And there was something off. Something too good to be true. A lot of chemistry. And I was opening up despite promising myself I won't do that on a throwaway account. But there was something about you that made me. And then it clicked. Oh my! You ARE the perfect personification of the list I made. To an eerie detail, what the actual... what? There were things too specific to be a coincidence, I swear. Including my request to the universe that the perfect person has to contact me and catch my attention, because I don't want to chase things before I even know they're worth it. But you were so very worth it. And catch my attention you did. More than that. You made me obsessed.
And I forgot what I promised to you in the meditation, when I met my soulmate and I promised I'll wait until you're ready. I forgot about it. I just wanted you to fall for me like I started falling for you, so early. Within days of our conversation. I didn't want to lose you. I wasn't thinking straight. I made a mistake. I was pushing too hard. I was selfish. And I think I lied when I said I was ready. I wasn't. My insecurities were taking over. And then you did that weird odd thing, completely out of character. You hurt me and it felt like it wasn't even you, like it's a stranger writing that. And then I said it's enough. Because I found my boundaries in the recent years and you overstepped them. Well you were pretty much walking all over them, but then I've had enough. And so if it was you, in the meditation, if you are the soulmate twin flame or what have you, then you broke your promise, that you won't ever leave me and that you will be there for me when I need you. And you can't be responsible for what I think your higher self promised me in my meditation, that would be nuts. And I don't know, it might be that you are in a denial, I think you're not intentionally on any spiritual journey, I think you're out of touch with your higher self. Or maybe you are in touch of higher self, what do I know? Maybe you were also afraid to tell me about this part of yourself. Or maybe everything is just the way it's supposed to be. You weren't ready - the universe told me, your higher self told me and I persisted and asked for things to move anyway. We made a real life connection and now it will be easier to meet again, at the right time. Or maybe you didn't really leave me. Maybe you're still thinking about me and that's enough. I thought I needed you, but maybe I don't. You showed me just what power I'm carrying in my mind and soul and maybe that's all I needed, wanting you to stay might be just a selfish thought. Or... or... maybe you're the fake twin flame. Maybe it wasn't you in the spiritual awakening. Maybe you came to my life to make the big impact, to turn it around, to kickstart my metamorphosis. Maybe I was pushing on you because I wanted it to be it. And I ruined it, whatever it was. I'm so grateful for you either way. You are my secret treasure. That's what you called me after you had a few beers.
I've never fallen for anyone as hard as I did for you. You are special to me in all aspects. Everything was just so different, I'm going to split my life into "before you" and "after you". And the craziest thing is that it all took place within just a few weeks. After I said "Goodbye" I should have had that mental breakdown. It would put you in the box with all the other people who hurt me, it would make you less unique to me. Less special. But I found myself going through all of the grieving stages within a few hours. And then... I was just sitting there. I started laughing. I felt happy. Fullfilled. Freaking blessed. Grateful. Healed. Gifted. Loved. At the moment, call me crazy if you have to, I felt like things aren't over. There wasn't a place for breakdown, because things aren't over. Things are only just starting for me, I know it. And I can feel you in the future, soulmates or not, we'll meet again.
It felt like you got scared of feeling things for someone so different from your usual type. Someone you've never even met or even as much as seen a photo of. I couldn't be sure whether you ever really started feeling the noble feelings for me, the shades of love. It's not like you would tell me since you wouldn't even admit it to yourself. But it's not relevant anyway. I know it was just my words that made you feel feelings you didn't feel before and that's all I need to know. You got scared. You panicked. I think it might be a self-saboutage. Or not. Or that thought is absurd. But you know... I love absurd. It helps me sleep at night.
The very same day I said "Goodbye" I sat down and started writing you a letter. Not this one. A 10 page letter. A 10 page roller coaster, a report from the merry-go-round, the whole fair we experienced in fact. I wrote it within 3 days. I thought of posting it on Unsent Letters, but it's too personal. So personal in fact, that I wouldn't let anyone read it, not even you. It's for your higher self. And I think I read it so many times after myself, that your higher self got the message. Twin flames or not.
And let me tell you: I was getting tons of signs since I got the first message from you. The insane amount of angel numbers, the two four leaf clovers, the jay's feather, the lyrics of songs, the feelings in my guts, the physical sensations, the storm I manifested, the inner conversations and so many bands from around the world I was listening to, having concerts in your hometown. And the signs didn't stop after I said "Goodbye". And I wanted to feel lovesick to get it over with, but I can't make myself feel it, you know? I just feel in peace. Happy. I feel motivated. I feel like I should focus on myself know. And I still feel you in my heart and mind as if you never left. I am hurt, don't get me wrong, but it's just a small insignificant thing somewhere in the corner of my mind. Like when you wake up from a nightmare and feel relieved and your day starts surprisingly well and you feel great, but you still have that nightmare hangover in the back of your mind. Unimportant, but present.
And you know what? I'm going to post this on a different account than the one you know, but I'm almost sure that if you read this, you'd recognize me, despite the fact that I tried leaving out details or things too obvious and specific for us to give it away easily. I know that if this post just randomly showed on your front page, you'd know it's me. Or you'd suspect it to be me at the very least. And you'd think I'm insane. You'd have to call me crazy. And that's fine, honestly. Because it is insane, I'm confused and sceptical too, you know. I'm also scared. Just like you were, I think. But I can't help myself.
You never stuck around long enough to learn I'm into spiritual things like this. It would be surprising to you, I'm sure. But it is who I am, it's part of me I was hesitant to reveal to you, because I was insecure about my own identity. But now I have all this time that I can use to better myself, improve myself, stabilize myself. And so call me crazy if you have to, I'm not opposed, but I know it's not over for us. Fake Twin Flames or Real ones. Soulmates or not. I know we'll meet again eventually, in the same absurd way as this whole merry-go-round of an experience. And darling, you know I love absurd. And I may fall off the merry-go-round, but I don't fall out of love. And I don't even care if we'll ever meet again or if we were twin flames or soulmates. Or whether you were a psycho, playing with me the whole time, maybe I'm delusional, maybe I really misinterpreted everything. Maybe I'm insane, but I don't care. You gave me my life back, I will forever be grateful for you. You imprinted on my soul, left a bloody handprint in the empty, damaged, deserted cave that was my life. And I want you to be happy. And as long as we are both happy, what does it matter whether I'm insane and believe all these things? I just wish I gave you something as important in exchange.
And I will love you forever, whether we'll meet again or not. Whether we're soulmates or Twin Flames or just random strangers who met on the internet under odd circumstances. I'll love you forever even if I dated someone or even if I found my true love, if it wasn't you. I'll love you forever even if that was the only thing I could give you. I promise.
Thank you. Yours, -M.

Happy Sunday everyone!
I got hit by a car on March 15th outside my office building in Berlin. I am fine thankfully, just some bruised ribs and elbow. Car's side mirror broke and it got a couple of scratches though.
I have private liability insurance with Get safe so got in touch with them immediately with all the details of the accident. They said they are processing my claim and got in touch with the claimant but haven't updated me since.
I just got a document in the mail with the costs of the repair for the car from the owner’s lawyer and at the end of the document they ask me to get in touch with my insurance and make the payment by June 21st.
I don't know German that well so I am confused by this letter. Are they asking me to pay? Wouldn't my insurance pay them directly? Is this just a formality that they need to send me the costs or do they actually want me to pay?
l am a student and I really just want to make sure that my liability insurance would take care of this since they are saying the damages amount to 5300 euros (even though it’s only a broken side mirror).
Someone told me my insurance might not pay if it was my fault. I was crossing the street legally and only didn’t see the car because of the parked cars and the car that hit me was electric so I didn’t hear it coming either.
Can someone let me know if my liability insurance can decide not to pay? What are my options if they don’t?

I have been verbally offered 14.5 LPA including medical insurance and yearly bonus. And 12LPA being the base salary. Now as per the offer letter extended, there is no mention of 14.5 LPA and the breakdown is based on 12LPA, which is as follows;
What shall I do ? How shall I proceed and ask HR
Sorry couldn’t add attachment so added the breakdown in text
Basic Pay: Monthly 47,500 Yearly 570,000, House Rent Allowance (HRA): Monthly 23,750 Yearly 285,000, Special Allowance1a & 1b: Monthly 8,042 Yearly 96,504, Leave Travel Allowance?: Monthly 4,750 Yearly 57,000, Differential Allowance: Monthly 11,958 Yearly 143,496, Meal Card3: Monthly 2,200 Yearly 26,400, Employer's contribution to PF: Monthly 1,800 Yearly 21,600, Total Salary (in Rs.): Monthly 100,000 Yearly 1,200,000, Variable Bonus*: You will be eligible for a performance linked variable bonus. If applicable, it will be pald out on the 31st of May on the basis of your performance and performance of the business, Medical Insurance Premium4: Monthly 3,014 Yearly 36,167,

I got rear-ended and was left with $750 to replace my bumper last July. The person who hit me was actually in the same industry as and he was interested in both finding a buyer for my business I was selling and paying for the damage to my truck out of pocket. A month later I submitted the invoices for the repair to him, I gave him my Zelle info and he said he would pay by the end of the week. I also gave him some more info about my business as he was talking to an interested party. I told him that I would give him a kickback that would more than make up for the $750.
After that he no longer responded, so I pulled up the info he gave me and made a claim with his insurance company. After I made the claim, his insurance company failed to get in touch with him as well. I asked the agent if this worked like small claims where you get a "default judgement" for a "no show". She said that was possible if we could not located him.
I received a letter today that he is MIA and the insurance company is not going to accept liability. So I am out the $750.
I guess this a good lesson to always call the police, even for a minor collisions where someone wants to pay out of pocket? I would imagine he is ignoring the insurance company calls on purpose, no statement no liability? Is there anything I can do further about this?

I have a collection that's been in my report for 2 years now ($272 w/ progressive) and it was paid off within a week of it going to collections.
I currently still insure with progressive and would Like to have that collection report removed. Now is this ONLY possible with a goodwill letter or can I call and speak with someone? Is calling for collection removal even a thing?

F26. Hey, I have been a lurker here, trying to learn about my diagnosis. I might ramble abit as I am going through a lot. Okay so I have been diagnosed bipolar at 2016 and I actually didn't take any bipolar meds from 2017 to 2022. I was in absolute denial that I am bipolar and then I finally got help and was taking Ablify for about a year. Then last year around Oct I lost my insurance and I went cold turkey with no meds. So I have been going thru like a really bad depression for few months. Yesterday I am realizing I think I am manic? I am seeing a pattern where I was sleeping like a lot a week ago and now I am sleeping intervals of 3/4 hours of sleep, IFood taste really funny to me. I am talking like a lot, when I close my eyes I see like random visions of everything of this world. I am having some vivid weird fucked up dreams. And on top of that my landlord went to do a lead paint inspection? So that made me and bf panic clean as we haven't cleaned our apartment in forever. That absolutely triggered the fuck out of me that I screamed at my bro yesterday. I don't know how manic feels like so I am just bit freaking out tbh. I don't know if I should just admit myself to the hospital. My bf is trying to be optimistic and telling me not to overthink it. Advice what you guys think?

sorry this is long. For context, I am 29 years old and have been dating my boyfriend (now fiancé) for 5 years. I have been wanting to move in for about 2 years but have held off due to the fear of my very controlling parents. There are a lot of positives to moving in and I have been staying at my fiancé's house on and off a couple days at a time- for years. Recently I have had a health condition that developed and I needed some extra support and have been staying over for a month. I wanted to wait to move in a couple months after our engagement so my parents could have some time to feel like we didn't just get engaged to move in with each other, but this new health scare has kinda put it into perspective for me and it now just makes more sense for us to do what we want to be happy.
For background my parents are from Central America with a lot of culture and religious beliefs. They raised us ( I have an older sister) to be christian (baptist) and fairly conservative with our upbringing- so to them this is an ultimate sin (besides getting pregnant before marriage and other religious stuff like that). I have really lived my entire life for them, doing what they want and have been a people pleaser because of it. My mom has narcissistic tendencies and I see a lot of the toxic as I grow older and have my own opinions and beliefs.
here are just some conditions they put on my fiancé to propose to me ( which he replied, he'd happily do whatever I wanted):

• we have to move back to the city they live in. there's NO way we would be able to afford a house or live where they live.
• I have to go to med school alone ( to them it means single)
• we cannot get married before I graduate medical school I haven't even applied to med school yet
• I cannot move in with him

I honestly can't remember them all. and after I got engaged my mother said she "approved an engagement but not a wedding" *sigh*
So, I got the courage to finally do what I want and wrote a very respectful letter to my parents, asked them to meet with me and drove down with my fiancé (they live 3 hours away) to talk to them. They refused to speak to my fiancé because they wanted to speak to me alone, and that already had put me with a lot of stress because I wanted his support ( also as a secondary listener) to what my parents were saying to not be gaslit or anything. They say that my fiancé is not part of the family so he should not be involved ( mind you my sister had dated her husband for 10 years and they are now married...and they still say he is NOT FAMILY). My letter basically stated this is what I think is best for me at this stage in my life, I am not necessarily asking for their permission but I hope they can support me or at least respect it. That I know we have different beliefs and values and I understand their frustrations but I dont want to wait to live my authentic happy life.
also important to note: my mom has stated previously that I could live my life when they are dead *sigh*
anyways...clearly I feel like everyone knew that it wouldn't go great. and it didn't. I do think that we had an OK conversation and no one was yelling, we didn't agree and left it as that..and I left.
I woke up to this email (translated from Spanish):
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“We just want to inform you about what we have decided based on your decision to move in with [fiancé] 1-Not only is it a great dissapointment for us your decision but more important it is a deep pain for both of us because we have based our life on raising them with good principles, morals, but above all obedience to God and what voice you plan to do is unpleasant in the eyes of God. 2-your dad says that if in the future you marry [ Fiancé name], he won’t deliver you like he did with your sister. 3- It makes me very sad that you use me as an excuse for what happened at your sisters wedding that were normal disagreements that were fixed But you only remember the negative. 4-economically you will no longer be helped, the goal of helping you is that you are not yet economically independent and that you do not feel the Pressure of Economically and that you didn’t feel the Move with someone on the roof, food, etc. to have a home with your parents. Your car insurance ends today, your phone line will be given to you until June so that you can transfer your data and information but by July we are going to disconnect your phone. 5-For holidays or when you want to come, you can come alone if you want, we don’t want to see [Fiancé name] because as a gentleman he is under the status of taken advantage of, and fake because if we had known that his intention was to move with you we would never have agreed to the commitment, he lied to us and deceived us. I don’t respect our values. Your dad says that we are not going to see you too, if you want you can come alone, and let us know when you are going to come. It is important that you know all this before you make the decision to go live with him and put yourself in a vulnerable situation. Think and meditate on everything well, so that later you don’t regret, a man’s manipulation towards a woman can be subtle but it is always manipulation.”
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there's a lot to unpack here, and well with my sisters wedding it was defiantly not normal disagreements: my mom called her ugly, refused to walk down with certain people, berated her and stated she was marrying into "that family" and pretty much traumatized me of weddings ...but this post isn't about my sisters experience.
I am able to financially support myself ( they have just always offered) so I never felt like it wasn't an issue. Moving in would help with saving money for medical school, wedding etc. but its not the only reason we want to take this next step.
I have been basically left with the choice to either move in with my fiancé and my parents cut us off and my dad doesn't walk me down the aisle ( most hurtful part). or I don't move in, but the damage is done with my fiancé, and this will enable them to treat me poorly and think that they can control me for the rest of my life.
its always been hard for me to distinguish the toxic and abusive patterns of my parents because I am first generation American and that guilt alone is wild, as well as I know what my parents have sacrificed and came from to give me a better life. But this letter feels like they are willing to just cut ties for 1 decision I am making... and friends have asked why don't we just get married...my parents also said they won't approve a fast wedding and well...they don't want me married until after med school (5 years down the line).
so it really comes down to: can I live with myself if I cut my parents off? and I just don't know. AITAH or is it them?

Found out about a month ago that my car insurance was going up ~$70/mo so I did the logical thing and shopped around for cheaper insurance. Found a policy that was about what I've been paying so deciding to switch seemed like a no brainer and the new policy went into affect 2 weeks ago. Well, today I checked the mail, and to my surprise there was a letter from the DMV telling me my license was suspended. Apparently I still need SR22 insurance from my DUI 3 years ago and I had totally forgotten I had it so didn't add it onto my new policy. Already contacted my insurance to add the SR22 for the 3 months I still need it which raised my new rate $40 and paid the $50 reinstatement fee so guess I barely saved any money and added a giant headache instead. TL;DR switched insurance to save money, forgot I needed extra DUI "insurance" so they suspended my license until I paid to have it again