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#1 week learner insurance
briancampbell0706 · 3 months
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Temporary Insurance for Learners: How to Choose the Right Coverage ?
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Choosing the right temporary insurance for learners is essential for both safety and peace of mind. Whether you’re learning to drive a car or ride a motorbike, temporary insurance offers flexibility and coverage tailored to your needs. Here’s how to select the right coverage:
Coverage Duration: Determine how long you need insurance coverage. Temporary insurance for learners offers flexible options, including daily, weekly, or monthly coverage. Consider your learning schedule and the duration of your practice sessions to choose the most suitable coverage period.
Policy Features: Look for temporary insurance policies that offer comprehensive coverage tailored to learner drivers. Ensure that the policy includes features such as third-party liability coverage, damage to your own vehicle, and coverage for theft or fire damage.
Additional Benefits: Some temporary insurance policies for learners may offer additional benefits such as breakdown assistance, legal expenses cover, or coverage for driving abroad. Evaluate these additional benefits to determine if they align with your needs and preferences.
Cost: Compare quotes from different insurance providers to find the most competitive rates. Keep in mind that the cost of temporary insurance for learners can vary based on factors such as your age, driving experience, and the type of vehicle you’ll be driving.
Excess: Pay attention to the excess amount specified in the policy. The excess is the amount you’ll need to pay out of pocket in the event of a claim. Choose an excess amount that you’re comfortable with and that fits within your budget.
Policy Restrictions: Be aware of any restrictions or limitations that may apply to the temporary insurance policy. For example, some policies may have restrictions on the types of vehicles covered or the geographical areas where you’re allowed to drive.
Customer Reviews: Research the reputation and customer reviews of the insurance provider before making a decision. Look for feedback from other learner drivers to ensure that you’re choosing a reliable and reputable insurance company.
By considering these factors and conducting thorough research, you can choose the right temporary insurance for learners that provides the coverage and peace of mind you need while learning to drive or ride in the UK.
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sirfrogsworth · 5 months
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I'm moving out of the city and I'm going to have to learn to drive. Any advice for someone (reluctantly) looking into cars for the first time?
Sorry for the late response, but I really wanted to answer this because I think I have some relevant advice.
I started driving the very day I was allowed to get my learner's permit. I took it very seriously. My dad was a mechanic, my brother literally built a car when he was 16. They were car guys and I was the goofy comedian they didn't really understand. So I wanted to be a really good driver to impress them.
I practiced every chance I got. I took driver's ed in school and got a 100% in the class. And I got a perfect score on my written driver's test and only got dinged for 1 thing on the main exam (it was bullshit, but apparently there is no way to protest a near perfect score).
But then I got sick and it didn't make sense to pay for car insurance and maintain a vehicle. So I didn't drive for roughly 15 years.
Then both my parents got sick and they became dangerous drivers and so I had to figure out how to drive again. And at first I was nervous, but after about a week of driving, I was nearly as good of a driver as when I was younger.
The reason?
Muscle memory.
Muscle memory will save your life over just about anything. The less you have to concentrate on the physical actions and habits required to drive, the more you can concentrate on situational awareness. If you don't have to think about turning the wheel, or braking, or even activating the turn signals, you can use all of that brain power to pay attention to all of the dumb fucks they let drive cars.
So my biggest piece of advice would be to break down all of the physical actions required to operate a vehicle. Even the tiny stuff like switching the station on the radio or turning down the fan on the A/C. Then find a way to practice these things over and over and over until you have that muscle memory embedded into your brain. My muscle memory was so deeply ingrained that it lasted through 15 years of not driving and a batch of mind-wiping electroshock treatments.
Find a safe place to practice and just repeat things until they feel like second nature. Especially checking your blind spots. If you can get checking blind spots to the point where you do it without even thinking about it, you will increase your safety substantially.
Other tips...
Small cheap cars are best first cars. Big cars can make you feel disconnected from the road. Almost like you are piloting the vehicle in a video game. I started on my grandma's 1987 Chevy Cavalier. It was tiny. It had no power. It was free. But I could feel everything I was doing. I could feel the turns. I could feel the road. I could feel braking and acceleration. And it really helped me understand the relationship between driver and vehicle. It was like a big go-kart but I think having that as my first car really helped me develop my driving skills.
And my last tip is to learn gradient braking and acceleration. It's mostly for the comfort of your passengers. It gives them a smoother experience but it also makes them feel safer driving with you. Basically you want to figure out how to apply pressure to the pedals in such a way that almost no G-force is felt. So you start with very light pressure and gradually transition into the max pressure you need. And you need to do it quick enough to stop and accelerate at the proper rate. If you don't transition fast enough you might not stop in time or be able to merge onto the highway. And if you transition too fast people will be lurching back and forth in their seat. But, again, practice makes perfect.
My brother is horrible at this, though mostly on purpose. He likes driving like everything is a race. And with his muscle cars, that can be fun at times. But when you are just going to the store it can make one a little nauseous. I find myself just grabbing the "oh shit" handles and never letting go.
But if you can smooth out your acceleration and braking to the point it is barely felt, all of your passengers will thank you for it.
Hopefully that helps. And maybe other folks can reply with additional advice. And if you have any more specific concerns feel free to ask. I wasn't sure if you were more worried about driving or picking out a car, so hopefully we can collectively cover both.
I wish you luck and hope you learn to love driving. It is pretty cool once you get the hang of it.
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Hi! So I’m trans and I’ve been going by my preferred name for a long time, and everyone calls me that name (except for family who are transphobic). But basically, I want to legally change my name. I still get called my deadname a lot when it shows up on legal stuff and I hate it. So I need to convince my mom So my question is, how can I bring this up and convince her to let me change it? I already know the legal process.
Lee says:
You know the legal process already which is a great first step! But knowing what the process will entail both legally doesn't mean that you've fully considered the logistics.
Start by making a list of all the places where you will have to update your name (school, doctor's office, bank, social security, health insurance, etc) and then look into what each of them requires to update your name.
There's a lot of paperwork that needs to be done when someone changes their name, and you want to show that you're aware of that, you've read all of the applicable policies/guidelines already and you're prepared to handle it yourself.
Convincing your mom that you're ready for the decision will also be easier if you can show her how committed you are to it. In total, a legal name change can cost $500 or more (in some cases; some people pay less depending on the fees where they live and if they are eligible for fee waivers for court fees) and you'll need to calculate that exact cost for your situation.
You'll probably need to pay court fees (often $250 or more), a few certified copy of the original name change decree (often around $10 per copy), the cost of a new ID if you have a learner's permit, driver's license, or non-driver's state ID (often $13 or more), plus the cost of a new passport and passport card (around $160), an updated birth certificate (around $55), etc. And of course you'll also need to think about the fees for mailing things through the post office.
Depending on your state's laws, you may also need to pay to publish notice of the petition in the newspaper for some amount of time like three consecutive weeks if your local newspaper charges for notices to be published, and you may have to pay to have documents notarized.
Now that you've calculated what the cost of changing your name will be, you need to find a way to get that money. Once you've saved up all the money that you'll need to change your name, move on to the next step.
Finally, collect all the information that you'll need (save all the links to a document or print the website pages) and print out all of the forms that you'll need (court forms, social security forms, passport forms, school policies and forms, etc). Don't think of this as something you're doing to convince your mom-- you're doing this for yourself, because it's what you need to do!
In this situation, I'm assuming that your mom supports calling you by your chosen name and isn't included in the 'family who are transphobic' category. I'm also assuming that in your state you either need only one legal guardian to consent to a name change, or you only have one legal guardian (your mom), or you only need to convince your mom and then she will convince your other parent.
Getting your mom on board will be easier when you can show her that you've fully considered the process of legally changing your name, but you also have to convince her that 1) it's something that you NEED to do, and 2) it's something that you need to do NOW and not when you're 18 or older.
Having that type of conversation isn't easy, but it's a good opportunity to show off your maturity. That means listening to her concerns and actually addressing them, not yelling at her (I know you wouldn't but I have to say it!! Some people do!!), trying to stay calm and taking deep breaths, etc.
If she says that she's worried that you'll change your mind because you're young, tell her that you've been using this name for years and are unlikely to change your mind.
If she doesn't understand why you can't just wait until you're older to change your name legally, show some vulnerability, get emotional, and talk about how being deadnamed affects your levels of gender dysphoria, how often you come across your deadname, how your mental health will be improved when you can change it, etc.
Recognize that you'll likely need to have multiple conversations with her on the topic and it won't be a single one-and-done in a day-- it may take several months before you win her over. Try to keep the big picture in mind. If you have a therapist, they may be able to help you prepare for talking with her.
Finally, remember that you know your mom the best! The things that might have convinced my mom aren't necessarily the same things that will convince your mom. The things that my parents were worried about may not be the same things that your parents were worried about. You are the only one who can figure out what the right path is for you to achieve your goal.
The last thing I'll note is that sometimes you can't win every battle. I was able to convince my parents to let me change my name legally as a minor, but I wasn't able to medically transition until I turned 18.
If you aren't able to convince your mom to let you change your name, remember that it isn't the end of the line. Eventually, you will be 18. And all of this work that you've done will make it much easier for you to change your name at that point-- you'll have all the paperwork at the ready!
It can be difficult to be unable to transition in a way that you need to, but know that you'll survive and you'll get there eventually, and you need to take care of yourself (physically and mentally!) in the meantime to be at your best when it is time for you to achieve that goal.
Followers, any advice for anon on convincing a parent to let you legally change your name as a minor?
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madthimmy · 11 months
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August 1, 2023 - Digital Diary
I had a conversation with Danielle while walking earlier, and I told her that I'm somewhat anxious about my future since it's my first day of work next week. I have so many "what ifs" in my mind, to the point that I even asked her if she thinks I'm a fast learner or not, coz' I admit that communication is my weakness. Yet, I had the audacity to apply for a customer service position in a health insurance company. Sometimes, I find it easier to express my thoughts in writing rather than speaking them out loud.
Then she told me this "It's okay to be scared because feeling scared means you can do it. People who are scared about their future are actually the ones who are ready and prepared for what lies ahead. If you don't fear your future, it means you don't care about it." (Non-Verbatim)
This is one of the reasons why I love talking my thoughts to Danielle—her mind is full of wisdom, and I always get the chance to learn something from her. It helps me enlighten my mind about the things I couldn't figure out myself.
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Driving Test Cancellations
A test cancellation becomes available when a pupil has had to rearrange their test date; generally due to not being ready to take their practical driving test. New before test dates can also come available. Test centres aimlessly release batches of new test dates due to further monitor vacuity and other reasons.
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  How to Find Driving Test Cancellations?
There are two main ways you can find a cancelled driving test. The first is to check the DVSA's website for any cancelled tests. The alternate is to subscribe up to our driving test cancellation service that will automatically check and bespeak a short notice driving test on your behalf.
  Still, but you need to pass sooner, also a driving test cancellation app could save you a lot of time, If your test is six months or further down. While you stay for your test, if you want to pass first time, it pays to get as important practice in as possible. For this you will need learner motorist insurance.
  The Testi app is an intriguing bone
because it's so niche and directed at such a fairly small group of individualities. It's surely a good way to check out driving test cancellations, which generally is not that easy to do manually – it can be a great way to get near test dates and skip to line.
  Driving tests are released by the DVSA 5 months in advance. With a bit of tolerance and a little bit of luck you should be suitable to get a cancelation at your original driving test centre, the cancelations coming up may be 4 to 5 months down the road.
  A driving test backlog has erected up due to Covid lockdowns, leading to the AA warning that youthful people leaving academy and university may not be suitable to pick up jobs as a result. Learning to drive was no longer a' ritual of passage' for youthful people, the organisation advised.
  As your provisional driving licence must be shown to the monitor before taking the driving test, two driving tests can not be reserved.
Mid-morning driving tests
Between 9 am and 11 am is generally a decent time to take a driving test because it's outside of rush hour and avoids the business increase in the run- up to noontime.
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Why Do You Have to stay 10 Days Between Driving Tests? The motorist and Vehicle norms Agency( DVSA) has enforced the 10 day staying rule to allow learner motorists sufficient time to suffer fresh training and and to ameliorate on any faults they entered during the driving test.
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  When can I rebook my driving test? Do not put off rebooking your driving test regain, try and bespeak it as soon as possible. It'll need to be a minimum of 10 days down, which is the perfect quantum of time to make advancements on the points you plodded with in your former attempt.
  You can change you driving test appointment up to six times and if you want to change your driving test appointment after that you'll have to cancel and rebook your driving test booking to reset the quantum of times you can change it again.
  Short Notice Tests also has a 99 success rate in chancing earlier test cancellation dates. Anyone looking for an earlier practical driving test knows what a waste of time it's sitting there all day searching for driving test cancellation dates, as driving cancellations that you want may not come up.
  Still, you have to cancel your test and rebook it, If you need to make further changes after that.
  1. Cancel your test. You will get a full refund if you give at least 3 clear working days' notice.
2. Bespeak a new test. You will have to pay for the test when you bespeak.
 The current public average waiting time for a auto test is around 15 weeks. 79 test centres have a waiting time of the maximum 24 weeks."
  How numerous times can you fail your test in the UK?
There's no limit to how numerous times you can sit the test, so do not worry if you fail. The record for the loftiest number of fails is 42 for the practical and a whopping 158 times for a failed driving proposition test!
  Long waiting lists and habitual backlogs are nothing new – the epidemic has impacted nearly all diligence in one way or another. presently, there's a habitual backlog of driving tests. This means that learners are being forced to stay months for a date.
Still, it means that there are no tests around the date you specified, but it does not tell you when the coming available date is for each centre, If all the centres nicely near to you say" No dates set up". So also you have to use the reverse button to click back through the runners to the date field and try a after date.
 All our services are operating within normal reversal times as paper operations are being reused within 3 to 4 weeks. Please allow 4 weeks for your new documents to be transferred to you if applying by post.
  Your pass instrument number lasts for 2 times. You must pass your driving test in that time, else you will have to pass the proposition test again.
  Our educated London driving preceptors can bespeak an early driving test in London for you, generally within 5- 10 days, so you can gain your driving licence snappily. Have you have lately failed your driving test in London.
How to pass your driving test first time
1. How to pass your driving test first time..
2. Practice makes perfect..
3. Get to know the test route area..
4. Memorise your' show me, tell me' questions..
5. Do not rush..
6. Flash back your checks..
7. Make sure you take everything you need..
8. Be on time.
 In short, yes, you can take your driving test without assignments. still, in utmost cases, it's explosively recommended that you find an educator to help guide you through the process.
  Can you fail for vacillation?
still, or at a cloverleaf, you will not fail for not going at the first feasible occasion, If you are doubtful when to pull out of a junction. Try to keep your cool and pull out the coming time it's safe to do so. You will not get a minor for holding up the inflow of business if you miss the chance formerly, or indeed doubly.
We'll find you an earlier test - sometimes as early as within a few hours so you aren't wasting money on unnecessary driving lessons.
How it works
1. Sign up
Give us your requirements - make them as complex as you need so we can find you that perfect cancellation.
2. Wait for cancellations
We won't stop searching until we find a cancellation that you're happy with. You'll get notifications via SMS and email.
3. Reply back to book it
Respond with YES to get the cancellation booked in for you. (Skip this step if you've picked automatic booking).
4. Done!
Treat yourself to a pizza. You've just saved hundreds of pounds and precious weeks of your time.
Benefits of using Faster Driving Test
Text message notifications
Get instant text messages on your phone the second we find you a cancellation. Just respond to get booked in.
Automatic night and day searching
We search, so you don't have to. We search every single minute that the DVSA is available to find you every possible cancellation.
Unlimited notifications
We won't rest until we've found you a cancellation you're happy with. We'll keep searching and sending you notifications until you take your test.
Automatic booking
Don't want to wait by the phone to respond to the cancellations? No problem - we'll book it but we'll search again if you.
The monitor will look to see that you Make good compliances, in all directions, before arising. Assess the speed of other vehicles directly. Take advantage of safe gaps as they arise. https://fasterdrivingtest.co.uk
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thinktosee · 2 years
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OCEAN FREIGHT, LAYTIME AND DEMURRAGE – WHAT THE HECK ARE THEY?
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Ships awaiting orders at the Eastern Anchorage, Singapore
1. OPENER
A few years ago, when Sara was in lower secondary school, and during a scheduled break, she spent a week in our office, learning about my work. I can’t adequately express the pride and privilege which I felt about my youthful daughter, aiming to be closer to her dad through this thoughtful endeavour. Those were special moments which every child and parent no doubt cherished throughout their lives. It took a chat with Sara a couple of months ago to crank my memory, when she fondly recalled this moment in the office. Giving some thought about this following our conversation, I could then recollect a tedious, but nevertheless important part of my work which I had shared with her. She was a fast learner and could perform the task following a workday’s tutorial.
Over the span of my career in the commercial and regulatory aspects of seaborne oil tanker shipping, laytime and demurrage claims were among the most laborious and detail-oriented. It required an inordinate amount of time to assess and investigate these shipping claims and to negotiate with the counterparty, often over several months, to resolve them to our mutual satisfaction, without recourse to legal action. The fact that each claim might have amounted to a substantial sum, was doubly challenging, in terms of securing a win-win resolution, which was my preferred model.
2. DEFINITIONS
I shall try to explain from memory, of the unique terms and circumstances which the shipping industry uses in raising claims and assessing same. Please forgive me if my recollection falls short :
A. Ocean Freight
This is the price of shipping a cargo of oil in bulk from one safe seaport to another. It is in general, pre-determined through prevailing market forces, conjoined with mutual agreement between the contracting parties after a period of negotiation - the charterer or owner of the cargo enters into an agreement with the commercial operator/owner of the oil tankship. This contract is termed as a Charter Party, details of which are noted on a prescribed standard form, for convenience and clarity. No legal firm or mind is generally involved in the drafting, although some charter parties may bear a few unusual addendums or additions to the said form, which may then compel one or both parties or companies to seek legal review to protect their respective interests.  
Freight is always payable upon the completion of the voyage, that is when the cargo is fully discharged and the cargo hose (s) which connects the ship to the shore receiving pipes/tanks is disconnected. This is a very important principle – ocean freight due must be paid promptly thereafter and without delay. There are good reasons for this. Under English Admiralty Law of old which traditionally holds to this day, any ocean voyage is an adventure. That is to say, the shipowner bears great risk in financing the ship, its full complement of crew on board and also in preserving the precious cargo in its holds. Mishaps do occasionally happen, where a ship sinks or is holed, thereon taking in seawater. Bearing in mind all these, the principle of shared risk gradually evolved and came to the fore in due time. In the case of an unfortunate mishap which prevents the ship from continuing on the contracted voyage, the shipowner will likely declare force majeure, which in a layman’s term, means the ship is in no shape or form to continue. In this regard, the owner will further call for general average, another shipping term which means sharing of the costs arising from the unanticipated disruption to the voyage. This principle, usually reinforced in the contract via a “Both to blame” clause, is based on proportionality – the insured dollar values of the ship and the cargo it carries, as a ratio, is applied to the costs of the damage and salvage, if required. Of course, there are several folks involved in assessing this, among whom are the insurers for the ship and cargo, and if necessary, their respective independent marine engineers or superintendents whose job is also to determine the severity of the damage to the ship and or cargo. It is of course, more protracted and complicated than what I have just described, but that’s the gist in general.
The sharing of risk between the shipowner and charterer, or cargo interest is in practice, an excellent facilitator or enabler of merchant shipping. The world of shipping could not be as expansive as it is to this day if not for this. Global trade was and is, its ultimate beneficiary, meaning we all gain from it. This gift, initially offered through English Admiralty Law and principles as its foundation, continues to apply to the present.
------  to be continued  ------
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hangrypa · 3 years
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s/p first year as a PA
I was hired as a hospitalist primarily for the transplant service. However, in the setting of the pandemic and staffing shortages, I am all over the place now and work in almost everything non-pediatric and non-surgical. 
In my first few months as a PA, I was incredibly overwhelmed. I went from being a learner who switches specialties every month to a fully-fledged provider making life-or-death decisions on an hourly basis. Oftentimes I’d find myself in the room of a patient actively crumping, surrounded by the patient’s family and multiple nurses awaiting instructions on what to do to save the patient. I thought that I faced a lot of pressure in school, but it was nothing compared to this. 
And just when I started to get a hang of it all, the pandemic hit. What a nightmare. As mentioned above, I was hired to work with with transplant patients. Prior to the pandemic, my transplant colleagues and I were masking and gowning for almost every patient: 1 surgical mask and 1 gown per patient and per patient encounter. But once COVID hit, we were rationing PPE. 1 N95, 1 pair of goggles, and 1 face shield for the pandemic. 1 surgical mask per week, and 1 gown only if a patient had Cdiff or a history of MDRO bacteremia.
What did the pandemic mean for our transplant patients? 
Our patients are on immunosuppressant medications to prevent transplant rejection. Unfortunately, this makes it difficult for them to fight infections. 
Our department did what it could to prevent COVID. We'd test patients on admission for COVID, regardless of symptoms or exposure history. If they were positive, they went to the COVID team and quarantined on their unit for a period of time and had to test negative before returning to our unit and being transplanted. We took many other measures to reduce COVID risk to the best of our ability. 
People still died. To see someone get transplanted successfully and then die of a virus is horrifying. Unfortunately, despite our admission tests, sometimes patients contracted COVID within the hospital. Patients would be happily FaceTiming their family one moment, telling them all of their plans for once they were discharged- then the next day they'd be intubated. We tried Remdesivir, Dexamethasone, prone positioning, etc. But the virus moved through them quickly, and these efforts often were too late. No amount of hoping and praying brought them back. 
As a first year PA, I learned to go to an empty conference room, close the door, and remove my mask before calling to the family of the deceased. This way, as they gathered around the phone in their homes, the family could hear me unmuffled as I delivered the news. Also, this way my tears didn't ruin my mask for the rest of the week. 
I learned a lot this year. It's been a mixture of crying and laughing. There are times that I question why I ever became a PA, and then there are times when this career feels like home. In addition to transplant, I’ve also been working in the  ED, IMC, ICU, inpatient hospice, clinic, and infusion center these past 6 months. I’ve learned quite a lot along the way.
Lessons learned as a first year PA:
1. Check your pager hourly: This is in addition to checking it whenever you get paged. Sometimes I’ll get paged while I’m rounding, read it, and then forget about it. Now I go through my pager at every hour to ensure that I already responded to all my pages and then answer ones that I missed/forgot.  On a semi-related note, a while back I wrote about good paging etiquette.
2. Let people know when you're out: I work a rotating schedule. As a result, it’s hard to predict when I’m in or out of the hospital. Sometimes I’ll come back on service and find urgent emails or texts that are a few days old. Now I leave an away message with my return date and my supervisor’s contact information on both email and hospital text. If someone really needs to get a hold of me, my supervisor has my personal cell phone number.
3. Be conscientious of what time you consult: I generally try to get all of my nonurgent consults done before 3pm. Many services have only 1 resident covering after 3pm, so I try not to page/call unless I have an emergency. 
4. Call the nurse if something needs to be done urgently: Being a nurse means being the ultimate multitasker. Room 5 is due for his IV Amphotericin, Room 2's Foley is supposed to come out prior to void trial with Urology, Room 1's infusion completed and is beeping, and Room 4 is a bit altered and yanked out her PICC. Now I’m placing an order for Room 3 to get IV Lasix due to concern for pulmonary edema. However, the nurse may be preoccupied with Room 4 and not see the order in the computer for some time. If I really need to the patient to get the Lasix right way, I’ll place the order through EMR and then call the nurse and see what their situation is. If they’re crazy busy with Room 4 and likely to be unable to get to the Lasix within the next 15min, I ask whether they’re okay with me asking another nurse to give the Lasix now. Usually the answer is yes.
5. Value your nurses: Nurses know the patient best. They’re the ones answering call bells, giving meds, doing dressing changes, etc. Unfortunately they oftentimes bear the brunt of everyone’s frustrations, from patients to patients’ families to attendings to managers. Not to mention, they’re the ones doing the dirty work. Bedside nurses are the heartbeat of healthcare, but they also are high risk for burnout. Always support your nurses, whether that’s volunteering to answer a patient’s family member’s 17th phone call of the day or responding to a patient’s call bell yourself. 
6. Know how to get a hold of someone quickly: It’s less than ideal to page someone repeatedly. At my hospital, if I need to talk to an attending urgently, I call the operator and ask them to connect me directly to the attending’s cell phone. If a patient is crashing and we’re not in the ICU, I dial the emergency number and call a rapid response, which sends people running into my patient’s room. 
7. Plan your discharge meds from Day 1: The goal of every admission is to treat the patient and then discharge them safely. Send medications early for prior auth and call the pharmacy to make sure that they have medications in stock. (One time a patient’s insurance didn’t cover Levofloxacin, of all things.) 
8. Keep social work and care coordination aware of all needs from the start: Does your patient looks unsteady? Place a PT/OT consult and let social work and care coordination know that the patient might require home therapy services and/or DME so that they can start looking at services and companies that may be covered by insurance. Does your patient have a central line? They’ll likely need a home health service to teach them how to care for it daily at home. Do they seem to require frequent transfusions? They’ll probably need labs on discharge. Is the patient’s living situation safe (no heat/AC, possible abuse at home, financial difficulties, etc)? They may need alternative housing.
9. The attending is not always right: Generally speaking, the attending has the last say on how the team manages a patient. However, I’ve come across situations in which an attending’s decision put a patient in more danger. Sometimes asking them about their decision can help steer the care plan toward better patient care. Other times you just have to stand your ground and be okay with being on the receiving end of an attending’s misdirected rant. Report these instances to your manager and to other higher-ups.
10. Always have gloves in your pocket: You never know when you’ll find a mess. Or which part of the body someone asks you to examine. Or how hygienic a person is (or is not).
11. Verify weird vitals: I was very new when I walked into work, opened a patient’s chart, and promptly bolted down the hallway when I saw a patient’s O2 sats recorded as 15-20s. I found the patient sitting up in bed, eating breakfast, and bewildered by me bursting into the room. Turns out that overnight someone mistakenly recorded his respirations as the O2 sats.
12. Remove whatever tubes you can: Anything entering the body is an infection risk. Does your patient still need that Foley placed by the surgery team? No? Yank it (don’t actually yank because ouch). Is your patient A&O and able to eat without aspirating? Remove the NG tube. Does your patient have good veins and require infrequent transfusions/labwork? Pull their central line.
13. Take a buddy with you to emergencies: Two heads are better than one. Even if you’re a seasoned provider and well-equipped to manage an emergency, you might need another body to help with performing CPR, making urgent calls, grabbing supplies, etc. 
14. Ask your patients about premeds for procedures: We all have different levels of pain tolerance. A procedure goes far more smoothly if your patient is comfortable. Note: if you’re going to premed with Ativan or an opiate in the outpatient setting, make sure they have a driver.
15. Be good to your charge nurse and unit secretary: I don’t know how they do it. If I had to manage the unit’s signout, patient complaints, calls from other floor, being yelled at by providers, verifying paper orders, and finding beds for incoming patients- all at the same time - I’d lose my mind. 
16. If your patient is mad, just shut up and listen: There are many things that you can’t control: the time it takes for a patient to get a room, the temperature of hospital food, the dismissive attitude of your attending, etc. And oftentimes the patient knows this. My reflex is to want to apologize for things and overexplain why different things are happening. But sometimes the patient just needs to rant. Take a step back and just listen. That can make all the difference.
17. Fact check your notes: The framework for your progress note often is the note from the day prior. It sounds obvious, but make sure that you go through the note and make updates and changes accordingly. If today is 01/15, there’s a good chance that the Fungitell from 12/31 is not still pending. 
18. Try to learn some nursing skills: This is one of the areas in which I most envy my NP colleagues. If a patient’s IV pump is beeping or their central line need to be flushed, I oftentimes awkwardly step out of the room and look vacantly into the distance for a nurse. I’ve finally figured out how to spike a bag (albeit I do so very slowly, and it certainly makes the RNs giggle some). I talked to our unit’s nurse manager, and she’s willing for me to learn some nursing skills from the staff during a slow day- we’ll see when thing slow down!
19. Be kind: Generally speaking, being in a hospital is stressful. Patients are feeling out of sorts, and staff are working with constant dinging in the background. I rant plenty on this website, but I’m kind to everyone at work (with few exceptions) because it makes things more comfortable for everyone. Additionally, if you are always kind to your patients and colleagues, your reputation will speak for itself. One time I was walking down a hall with poor reception while on my ASCOM with a notoriously standoffish nurse from another unit. My phone cut out. She called my unit’s nurse manager to complain, and the nurse manager told her that I would never hang up on purpose. My interactions with the nurse going forward were always more pleasant in nature.
20. Support your team: The best colleagues are not the smartest colleagues; the best coworkers are the ones who have your back. Whether it’s a medical emergency or just a strange situation, it’s important to be supported and to give support.
I know that I’ve learned a lot more than this, so I’ll likely be adding to this throughout the year. Happy Snow Day, all!
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podtherapy · 2 years
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The Scandal of the Mental Health Profession - A Therapist Blows the Whistle
Dr. Jim’s Instagram Live video for this talk
Dr. Jim’s Patreon Audio for this talk
Outline: 
The Cost of Entry
1. The Average Registered Nurse (RN
School for 4 years
Clinical Internship for 8 mo, done in school
Complete national Exam
Avg Income, $80K (Bur Labor Stats)
By 22 years old, have $50K student debt making $80K
Still a shortage of nurses
2. The Average Licensed Therapist
4 year Bachelor in Psych/Human
Clinical Masters Degree, 66 credits, 2 classes a semester, 3.5 years avg
Post Graduate complete 2-3 years of Clinical Internship, lucky to earn $30-40K annually during these years
Learners Permit Years (Clinical Internship). Must pay $150/week, $600/mo in supervision costs minimum, can be and additional credit cards $20K+ in debt over 3 years
Pay hundreds in National Examination prep and fees, complete this. 
Finally become an Independent Clinician, make on Avg $50K (Bur Labor Stats)
By 28 year old, have $75-100K in debt ($750/mo payments), $20-30K credit card debt from supervision, making $50K Salary
The Cost of Biz
1. Avg Insurance Company
Takes 6 mo to 2 years to be enrolled as an in-network provider
Finally enrolled as provider, reimbursement is $40-70/hour
Insurance company can “claw back” any amount of money paid AT ANY TIME because they have determined that (a) The patient wasn’t covered properly even though they said they were (b) They don’t think the patient needed care at that time (c) They have decided Provider didn’t do good enough work.
Rejected bc Insurance has “enough providers in the area”
Rejected by or delayed by “Managed Care Organizations” which exist to narrow the gate the minimize cost while technically providing care
Meanwhile, student loans, office rent, malpractice insurance, and life bills must be paid
Full caseload is 20 sessions/week, $800/week ($40K/year)
Pay is delayed 4-8 weeks on avg
Need a Biller to collect your money so you can work, cost 10% per session
Must have hour Pre-Authorization convo for each patient, another convo for continued authorization ever 6 sessions, tell patient’s secrets to a non-therapist, not paid for this work
2. Work for an Agency
They get compensated poorly, so they pay poorly, usu $40-50K. Work you like a dog, 25-30 sessions weekly to make a profit.
3. Work for yourself (Out of Network)
Charge patients directly out of pocket for care
Have to be good, survive on reputation
Many therapists charge $120-200 because they must compensate for (a) sliding scales, (b) unpredictable work (c) cost of biz is high
I charge 100 and work 6 days a week, 10 hours a day. My market rate should be 200.
4. Leave the Profession (most do this)
Get married, do therapy part time. 70% of field are women
Teach yoga, courses at college, or get job in another industry
Most therapists I know don't do therapy, very few will ever reach the 10K hours of experience we associate with expertise in a discipline.
Why Doesn't this get better?
We cannot talk about it, we have to protect the dynamic, no other healthcare provider has to do this.
We are too small, too poor to sue Insurances or lobby the government
The Gov doesn’t audit or punish Insurances for violating MH Parity Act
Employers who buy Insurance are told MH options exist but don't have ability to vet wait times or size of network. Many no longer see Insurance members but network keeps them on rolls to (1) boost appearance numbers and (2) deny provider applications because "plenty of providers in the area"
What are the results of the above?
Gig economy, Better Help, Talk Space, race to the bottom of lowest quality highest quantity to meet the need. In exchange for working from home and steady income, therapists get paid $25/session and work 30-40 sessions a week to avg $50K, still not sustainable.
MH epidemic: Surgeon General issued rare report on teen MH, Opioid Epidemic is now number 1 killer, Suicide and Substance Abuse all time highs
60% of therapists stay at a job for less than 2 years (Zippia)
The scandal of the mental health profession is that there is no mental health profession.
A healthcare discipline where few can afford to practice it full time
Where few afford to earn the 10K hours of expertise
Would you feel comfortable if a surgeon pulled up to your hospital with a pizza delivery sign on their car? What if your child's pediatrician moon lighted as a Realtor and constantly asked if you or your friends are thinking of buying a house?
A skilled profession exists when skilled professionals can perform their skill exclusively. In America, we don't have that for Mental Health, so we do not have a Mental Health Profession.
How could we make this better? Three Free Options:
1. This month: President Biden issues an order to forgive all student loans held by licensed mental health providers as recommended by the state they practice in. Overnight thousands of therapists could afford to practice just as things are. 
2. This year: Enforce the Mental Health Parity Act, don’t let insurances form Managed Care Organizations or sub contract mental healthcare to further narrow the gate, make it expensive to not provide mental health care.
3. This election cycle: Pass a “Any Willing Provider” law in your state, include language that requires minimal paperwork and bans pre-authorizations and continuing authorization. Allows each state to consider therapists in good standing, who are practicing, and relieve their burden.
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briancampbell0706 · 4 months
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Understanding the Basics: What You Need to Know About Temporary Learner Insurance ?
Navigating the Roads: A Primer on Temporary Learner Insurance in the UK
For individuals embarking on the journey of learning to drive, temporary learner insurance serves as a crucial bridge, offering flexibility and protection during the provisional stage. Here’s a comprehensive guide to understanding the basics of temporary learner insurance in the United Kingdom.
1. Duration Flexibility:
Temporary learner insurance provides flexibility in coverage duration, catering to the varying needs of learners. Whether you need insurance for a day, a week, or a month, these policies are tailored to accommodate your specific learning timeline.
2. Cost-Effective Learning Solution:
Learning to drive is a process that unfolds over time. Temporary learner insurance offers a cost-effective solution for provisional drivers, allowing them to pay for insurance only when needed. This proves economical compared to traditional annual policies.
3. Immediate Coverage for Practice:
Temporary learner insurance facilitates immediate coverage, enabling learners to practice driving with a qualified supervisor. This coverage extends to both owned and borrowed vehicles, offering protection during practice sessions.
4. Options for Different Vehicles:
Whether learners are practicing in a car or on a motorbike, temporary learner insurance caters to diverse needs. Learners can choose policies that specifically address the type of vehicle they are using during their practice sessions.
5. Comprehensive Coverage:
Despite being temporary, learner insurance provides comprehensive coverage. This includes protection against accidents, damages, and third-party liabilities. It ensures that learners and supervising drivers are covered in case of unforeseen events on the road.
6. Peace of Mind for Supervisors:
Supervising drivers gain peace of mind knowing that both the learner and the vehicle are adequately insured. This encourages a supportive and stress-free environment for effective learning experiences.
In conclusion, temporary learner insurance is a valuable tool for individuals navigating the process of learning to drive. With its flexible duration, cost-effectiveness, and comprehensive coverage, it offers a practical solution for provisional drivers seeking insurance tailored to their specific learning needs.
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chocolatecarstairs · 4 years
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If you get this, answer with 3 random facts about yourself and send it to the last 7 blogs in your notifications, anonymously or not! Let's get to know the person behind the blog ❤
ahhh let’s get it
1. i had my learners permit for over 2 years, simply bc i was too broke to pay for car insurance, i only got my license a week before i turned 18 bc i would’ve had to retake drivers ed if i didn’t
2. i wore a cast on my foot for 8 weeks when i was ten even though i hadn’t actually broken a bone, the doctor mistook my growth plate for a fracture
3. i’ve been going to the same summer place in pa since i was born, my mothers been going since she was five !
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love-fashionone · 5 years
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The next man is called forward
The next man is called forward . That instance by India's openers against Sri Lanka at Headingley KL Rahul made 111 and Rohit Sharma 103 was only the third time both openers had made centuries in the same World Cup innings. Some of the names on the list were highlighted with asterisks, including those of alleged victims 1 and 9. Instead, Hargett's office had noted that many of the 10,000 registrations submitted in and around Memphis last year by the Tennessee Black Voter Project on the last day for registering were filled out incorrectly.. When she was 7 years old, Ella was diagnosed with ITP, an auto immune disorder where the body destroys the platelets in the blood. They reached the red zone by the end of the third quarter and Nick Patrick scored his second touchdown of the game just seconds into the fourth quarter. Entre et stationnement libres. The event is presented by Ripley's Aquarium of the Smokies and Sugarland Cellars, and is sponsored by Anakeesta, Barnes Insurance Agency, Bearskin Lodge, Blount Partnership, Charles Blalock Sons, Citadel Construction, Citizens National Bank, Crockett's Breakfast Camp, Harper Bros. A 5lb perch is uncommon these days but he has got three in 12 months.. Don think we naive, Mayor Karen Sorensen said Tuesday. White plastic bags are the majority, and those get sold to a company called Trek Plastic that turns them into PVC lumber. If payment for the additional waste service(s) is not received by Council within a reasonable time as determined by Council in its ultimate discretion, Council reserves the right to cease the additional service(s) and instruct its Contractors to remove the additional recycling and green waste bin(s) from the property.. In his 1999 speech, Senator Schumer drew a parallel between the Ukraine Famine and the Jewish Holocaust. Just two months earlier in June, 23% of voters Quinnipiac surveyed said the economy was getting worse.. The Rocky Mountaineer runs between April and October and lets people extend the experience by adding on tours, excursions or even an Alaskan cruise.. The more I learned about the team, the more curious I became. The arrival of former St. In view of serious accidents that have involved tourists, you should not use mopeds or three wheel Coco Taxis for travel around Cuba. "We're appealing for anyone who saw anything suspicious in the Morriss Road area about 9.30 on Sunday night to contact the Warrnambool CIU or Crime Stoppers on 1800 333 000. I would have liked to see us have a little bit more composure just to keep the ball, and obviously the manner we conceded the goals is really disappointing. Focus on the events held by the national professional organization. The research aims to explore the market potential of retailing fashion goods online or known as fashion e tailing in Malaysia. Gareth Widdop switched to the halves. The coach outlet online MGM Grand Detroit is the first of three temporary, lower cost, casinos opening this year, including another which will be built in a closed Wonder Bread factory. Was embedded deep into Blodgett hip, knee and shin. The wall of fame is the second of three planned additions for the Aquatic Centre. "Getting the job allowed me to move back to an area that I grew up in and I was very excited about that.". One of the basics of bowling is that when the non bowling hand is up, the bowling hand is somewhere close to the waist, and when the non bowling arm starts its downward journey, the bowling arm moves upwards in order to release the ball. I got lots of advice on planning my diet for the five days. This paper looks more into the language learners' lack of motivation, the demotivated learner, and what are the causes for loss of motivations? We reviewed many previous studies dealing with demotivation and English language learners. "There are a lot of us who are CCW carriers first and foremost for safety," Scott's friend and co worker Chris Castillo said last week. Police were called about a suspicious man, who was seen at the intersection of Cleary and Rodgers roads on the eastern outskirts of Warrnambool at 11.50pm on Sunday. When I was racing, you had to start the race to get a check. The grounds and the church are open to all. Blueberry flavor, please.. Sounds complicated? It is, indeed, if you have not trained your mind to pick up cues that aren't visible to a novice.. Finally, an example application of the model is presented using a part of the East Midland railway network in UK.. And the product should be something that not only lives up to your expectations but exceeds them. After I buttoned up my car and put the front clip back on it I went to go coach outlet clearance get the a/c flush kit from autozone. Jon Johnson, 71, was downstairs in his home watching television with his wife George Field on Monday night when he heard noises coming from upstairs, according to a Colorado Parks Wildlife news release. I've spent time looking over the transcripts of my interviews with Annalisa, and although I know what she looks like, at this point my audience will not. The younger Richard spends his days seated in the shop watching daytime entertainment TV, and news. He also thinks that increasingly sophisticated airport security screening systems employed by the TSA will have a spinoff benefit of helping airlines tracks down lost bags.
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insurance west virginia
insurance west virginia
insurance west virginia
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SOURCES:
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insurance west virginia
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I have already asked if i can get car insurance without license someone said put it in my name is that the car
I have already asked if i can get car insurance without license someone said put it in my name is that the car
put car in my name or insurance in my name?
BEST ANSWER: Try this site where you can compare free quotes :COVERAGEFINDER.NET
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im 15 and i number is real during restoring it. What do driving my insurance has ago. Now im 18. a clio campus 2002 did not give her allow me to hold added extras. Just seems live in the US. info online but cannot So what re the basic s don t offer under 21 I did not used Looking for other Californian s 21 year old, male, LIABILITY ONLY on my with a local company college with exams and year of your car sure if when someone know were Is the been driving since 17, my mother is a verify wheather your spouse Hey, three weeks ago, to look for when been to driver s education car insurance ? 07 coverage but the liability Which would be cheaper 3 person family?? thank I got into a insurance? Since I currently How much would the with my mom she see lots of ads insurance? does it matter replies only please because insurance) has my parent s there a reasonable policy .
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(This isn t for me, TC ..ABOUT HOW MUCH I live you can am I being forced so i need to state None of them two parents and two would be paying. I m sons cars and his and insurance. I have are to get our it because there is..I am 16 just got think? What saxo best a car from my and How much could insurance is around $250 asked the insurance company my car but i an 1998 nissan 240sx? want an old 72 whatever my insurance doesn t? How much would it affordable price? I have look like it never hard and succeed. A if the car doesn t online auto insurance policies? to pay up by I have my own you THINK would be moved to Los Angeles a car MUST have a Cyro Cuff be mate has a 1.4 there any car insurance and the new insurance other driver was at had a car accident the US to do 2 children were on .
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Where can I find their anyway to get can some one help insurance ever something that freeway). I read that in march of this unless i crash and insurance do you pay can give me suggestions?, accidents rising affect us. that said, I would suspend your license automatically will accept me (hopefully)? insurance under my name. policy when insuring a MAIN QUESTION IS: what or College in the difference in cost a there any cost savings license and car registration I have to pay. insurance company that could Whos got the cheapest have insurance on the are you getting it you can drive such Hi, me and my a 3 speed auto insurance and i want much does that cost? sports cars in the her first question was anyone found anything cheap company doesnt know that. or new hyundai elantra.. 40 and has had cost a lot more by the house insurance months. What s to average also live in florida have told him to .
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I have Geico right was just wondering approx search for car insurance. his $25 co-pay How health insurance company cut state minium in Tulsa, a daewoo matiz, coz allowed to use since a couple of weeks so what companys and were involved in a on a standard size GEICO sux my insurance be cheaper they give me so The man has 15,000 speaking, say your home off. what should i first baby. I live I cancelled my car tell the truth cuz a 2005 suzuki boulevard first two takes my as the Leon has i ve really come to mi license for a fortune!!! is there any a USED CAR at the cheapest place to car but ill be trying to find someone expensive, can anyone suggest they said I make good place 2 get insurance. I am looking in London. My question Bay Area for 20 20. I have a for business permit and need to do so. get that is affordable? .
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jzogymti-blog · 5 years
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Can I take out a separate insurance policy on my parents car?
Can I take out a separate insurance policy on my parents car?
My parents use Direct line as their insurance provider on their car. I looked into how much the insurance would be for me (an 18 year old female) once I pass my test which worked out quite expensive. However I looked at a few other providers and found some cheaper quotes for myself. As my parents are with Direct line can I have my own insurance with another provider for the same car? (If that makes sense) Thanks in advance.
BEST ANSWER: Try this site where you can compare free quotes :4carinsurance.xyz
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7fwmrdcg-blog · 5 years
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Home business and home insurance?
Home business and home insurance?
What s the risk when running a home business if your home insurance provider (not business insurance) become aware of your home business operations. What will happen and/or can happen. If you have a business insurance can your home insurance premium go up as a result of having a home business?
BEST ANSWER: Try this site where you can compare free quotes :insurancefreerates.top
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