Elextra

Very good point. I was fortunate enough to take a finance class in high school and be very vigilant, so theres some privledge there.

I think its been said like 1/3 people aren't financially literate both in US and globally in general.

Wow! I didn't know so many people liked the chocolate oranges! I can't say ive seen a lot of people eating them.

I know in the 10 years ive worked in a hospital ive never had a patient denied care in ICU unless the reason listed above. I also know A LOT about insurance, much more than most healthcare professionals. I also connect my doctors to insurance when we do need to appeal decisions and ask for a peer to peer.

Im not saying insurance never denies care. They do. Anecdotally though, never had incorrect denial with ICU. Its too easy to prove insurance definition of "medical necessity' there. I am still very doubtful of this specific example. Downvote all you want but the scanario I gave above is almost 100% probably what happened. I'm just explaining the process and likely what happened. Its okay if I'm not believed. I know what's true and how healthcare works. Its bittersweet that I have my job because I know how to navigate the healthcare system and get my patients what they need for their healthcare goals.

I know in the 10 years ive worked in a hospital ive never had a patient denied care in ICU unless the reason listed above. I also know A LOT about insurance, much more than most healthcare professionals. I also connect my doctors to insurance when we do need to appeal decisions and ask for a peer to peer.

Im not saying insurance never denies care. They do. Anecdotally though, never had incorrect denial with ICU. Its too easy to prove insurance definition of "medical necessity' there. I am still very doubtful of this specific example. Downvote all you want but the scanario I gave above is almost 100% probably what happened. I'm just explaining the process and likely what happened. Its okay if I'm not believed. I know what's true and how healthcare works. Its bittersweet that I have my job because I know how to navigate the healthcare system and get my patients what they need for their healthcare goals.

Edit: Also, with the scanario above, almost 100% of ICU professionals would agree with insurance for the reasons listed above. We know how it feels to want to bring someone up from the ED but can't because we have beds already full... There are a very few select patients occasionally that want to live in the hospital. I'm aware we are encountering some people at their most vulnerable, traumatic times. It sucks. But they can't live there.

The only other reason I can think for denial is if treatment is experimental. Otherwise, its really easy to appeal and get the care approved in ICU.

Sonic x Shadow Generations. Loving the Shadow portion so far. Feels like Sonic Adventure stages

I personally lived in fear of being homeless. I took out loans for college but still worked from 18 and beyond.

And unfortunately, during those times I was fueled by hatred (for family), and self-loathing (tried to erase everything I hated about myself). I have a naturally high level of resilience as well as I felt more depressed if I wasnt doing anything for my situation. Depression like for others, is crippling for me so I was always on the move to prevent falling in it. Still had a lot of breakdowns unfortunately.

It was a lot of work off all these negative feelings and emotions but it paid off. I have a house, great job with no employment concerns, loving support system, etc. It feels surreal.

However, everyone is different.

Masters in Nursing. I had a bachelor's in something else so it was really for the nursing degree. Cannot be a nurse without a degree. Turned out great for me. California pays RNs very well.

However, I dont always believe higher education is the answer for everyone. Everyone is different.

What school really does IMO at the very least is train people for some basics:

• Follow directions (prompts/assignments)
• Meet deadlines
• Communicate (Essays, presentations, etc.)
• Basic Office skills
• Capacity to read, process, and learn new information
• Retain new info (tests)
• Collaboration (group projects)

So if someone does well in school, I hope they can do the above well.

Its... Income based... As much as I hate loans of all the loan options its the easiest for many people because you only have to pay such a small fraction of your income to repay it 5-10% most common... And if you're compliant, they forgive it anyways after 20 years.

I didn't take that option but many of my friends did. Also, anyone taking out loans whether it be house, car, etc I believe should know what terms are and select what works best for their life.

Another fun trick I learned in sales is that if you're trying to get someone to purchase something, instead of having them focus on whether or not they should get something, change their question to something else.

For example, I used to sell phones. Instead of having people try to figure out if they want the newest Samsung or not, I would take the phone in two different colors and ask if they liked it in blue or black instead. Putting it in their hands let's them imagine having the phone already and the question changes from should I purchase this phone to what color do I want?

I'm quite sure this can translate to other questions and decisions people ask themselves

So similar thing I learned in sales. I avoid using the word "help" because if you ask something like "is there anything I can help you with"? The word "help" subconsciously makes them feel like you are implying they are weak, vulnerable, and need assistance. Where as if you ask them "is there anything I can do for you"? The word "do" has a more positive connotation and implies that you are offering a service or a gift, which more people are likely to agree to.

I was going to say, mine is Burnout Revenge. I think last I looked though only Burnout Paradise was available on Steam for me.