#insurance

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Do you think you've changed in the last years or are you the same as you were before?

In 2015 I changed... I was extremely extroverted to introverted! Best lifestyle choice I ever made!
No stress, no dealing with people who wanna drop others and me like a cold bag of sick!
Love my new me! I've become more and more reclusive over time. I was born a total extrovert and very assertive. I also like the new me so much better. Tremendously, I’m changing daily and I’m proud of the person I’ve become, but there’s still a lot I need to work on when it comes to myself. I will always continue to change, because it means growth.
Considering I was 15 at the time, I'd say I've changed loads. I now have a beard. Long hair. A car. I'm less chubby. I have a black belt in taekwondo. I am super good at more advanced maths. I'm pretty sure I hadn't even learnt about functions yet at the time. I have friends. I no longer have some kind of weird superiority complex. Those last two may go hand in hand. I am still a virgin, though, but baby steps. I've started making music. I'm a lot more independant, since I was forced to be after my dad died. I can cook, I can drive, I own a car. I have basically no respect for either of my parents anymore. I have more respect for my siblings. I can take responsibility for my actions and properly communicate when needed. I have a sense of identity and I’m learning to manage my trauma better. Though I’ve made improvement the journey doesn’t stop here. I’m working to improve myself everyday. I feel as though I have changed alot. When I was 18 I was an alcoholic who thought he was doomed to spend the rest if his life being miserable working in a factory. Alcohol was my biggest problem I would always embarrass myself worse than what I did the weekend before. I ruined so many friendships. Obsessed over a girl I never had a chance with (I still think about her a bit). I was basicly a disaster. Now I'm 22 I have quit drinking,I'm in a relationship and I went back to school this year to study human services and mental health and addiction. I'm super happy When I was 18, I was a liberal fundamentalist christian, and was weighing my options for my future, because I didn't think I would get into college, or ever have a romantic relationship with someone. I was taking my EMT-Basic in preparation for not getting into college, and was seriously considering just being a homeless traveler, hitchhiking around, working odd jobs where I could find them. I'm 26 now, I graduated college with a 3.8 GPA in a B.S. Criminal Justice degree, am currently working as a private investigator in the insurance field, am married to a wonderful, beautiful woman, have an even more awesome 1 year old daughter, and am now a small government conservative, and an atheist.

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I believe in England you will find a situation very similar to that of the Netherlands. For example, even the British are very introverted and life costs a lot especially after Brexit ... Have you thought about it?

Nah, people in England are angels compared to the ones in The Netherlands. Friendly, welcoming, open minded. And life is way cheaper there too. You don't even have a health insurance which costs you half your kidney every month. I used to live in England for a while. What I spend there in a month on costs, I spend here in 4 days.
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I believe in England you will find a situation very similar to that of the

According to you which one is better to go alone or with friends for a tour ?

Travelling with friends makes travelling better. Friends can make your life on the road easier, funnier, and they are always there to remind you of anything that was overlooked. Even those evenings you might want to forget.
Here are my top three reasons why travelling with friends is always a good idea:
First, they can help you do things you can’t: put simply, practical friends are some of the best friends you can go travelling with. From being able to help navigate complex underground train networks, to checking if your hire-car isn’t starting because it was cursed by the cashier you accidently short-changed at the supermarket, or if it is just out of petrol; friends who are good at getting things done can help take the stress out of travelling.
Second, they can save you money: thankfully, travelling with friends can help extend the good times. Many travel experiences — from tours to accommodation; become costlier when undertaken solo. Being able to share the costs of things like rooms and transport means that both of your travel savings will last longer and that you can go further on your adventures.
Third, they can be a voice of reason on the road: travelling with friends; those who know you the best and aren’t afraid to pull you back into line; can provide a much-needed voice of reason on the road. They can help you out of sticky situations and prevent you from having to examine your travel insurance policy for coverage details on glorified self-flight experiments in the first place.

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Why should health insurance be free for all citizens?

It would benefit everyone. When one is sick, they cannot work and pay taxes. Or pay their bills. Their employers lose....the people they owe loses. Every European nation, has free health care for it's citizens. The US could do the same....but the health care industry will lose profits. And our health care system, doesn't want to lose a dime of profit. And there is the rub. Greed.

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What is your favorite country and why?

I've only been to Norway once but it was outstanding. Gorgeous nature and cities, incredibly kind (and beautiful) people, and also one of the most socially progressive and economically stable countries in the world.
However, I really enjoyed England when I visited London for a week several years ago. The people were very friendly and helpful, the Underground was easy and convenient. The food was amazing. I love London's steakhouses, and they also have really good Indian and Japanese restaurants as well. And the history was very fascinating. We stayed only a few blocks away from the Tower Bridge and Tower of London, so we crossed the bridge and toured the tower basically everyday. Back at home, my favorite state out of all 40 states I've visited so far, Minnesota is my favorite because that's where a lot of my family lives, but my second-favorite state has to be my home state of Colorado. I love that I'm less than an hour's drive away from the plains and the mountains. I like to hunt pronghorn antelope in the fall, so the plains hold a special place in my heart for that. Plus, it's always fun to take my dirtbike out and tear down the country roads as fast as those two wheels can take me, which is close to 80 mph. The mountains are awesome too! I participate in a sport called endurocross, AKA trail endurocross, AKA enduro. The mountains provide me with a beautiful challenge of riding my dirtbike up some of the most insane hills for the best views. America. We have a right to freedom of speech. We have the right to bear arms to prevent government tyranny. We're also "Capitalist pigs" who have a reasonable tax rate (this doesn't apply to California). We don't have universal healthcare, but I'll make do with corporate group insurance or a government job if it comes down to it.
Also yes, this is one of the few countries that give you the right to bear arms with the exclusive right to defend oneself from not only individuals trying to harm you or your property, but also a tyrannical government. This is rare as fuck because in the vast majority of countries you’re expected to wait until police arrive lol. We’re also one of the most environmentally diverse countries in the world, you can choose to live in the tropics of Puerto Rico to the cold urban city of New York to the deserts of Arizona.
Ireland. I love the culture, the traditional step dancing, the music and the food. Hell, I even took two semesters of Gaelic in college. Because of that I was tempted to take a few more Irish centered courses in order to get my "Celtic Studies" certificate but I didn't because it would've cut into my minor. Plus I'm half Irish.
Berlin is arguably the best capital city in Europe, imo. It's has the perfect blend of everything you'd want from a trip abroad. It's very multicultural and has amazing, vibrant night-life, but it's all set against the backdrop of incredible European history.

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If you want to get married, would you like to have a big wedding with lots of guests or would you like to keep the amount of guests small? 💍

LunarHuntress’s Profile PhotoYentl
"If you want to get married, would you like to have a big wedding— "
I don't want a wedding*. not in singapore, anyway. but I do plan on getting married.
"...with lots of guests or would you like to keep the amount of guests small?"
the smaller the better.
"...I am very much anti-wedding because it costs so much money — especially when those funds could be used in a couple’s future investments (housing, insurance, their children’s education etc).
it’s really the solemnisation and pre-marital courses that are important to me (and to so many of my peers who share the same concerns)."
quote above taken from my previous answer: https://ask.fm/nurbzee/answers/165657817543

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If you want to get married would you like to have a big wedding with lots of

I’m really glad I just bought life insurance, because when I saw you, my heart stopped💜

گفتم کہ حُسنِ چہرہ او را صفت کنم
اُو روئے خود نَمود و درِ گفتگو بہ بست
میں نے اپنے محبوب سے کہا کہ میں تمہارے چہرے کی تعریف کا۔ خواہاں ہوں اس نے اپنا چہرہ دکھایا اور گفتگو کا دروازہ بند کردیا یعنی حسنِ یار کو دیکھ کر بولنے کی طاقت نہ رہی

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Your have just convinced me but I don't make enough money to secure a kid's future.

money is important, what you define as basic needs must be met in my opinion, so if u can't afford a good school, and a proper health insurance for example I'd say wait on kids until you save some money or secure a good job that'll be able to provide for your kids (together with your partner, because kids benefit from the resources of more than one parent usually)

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+8 answers in: “Are you anti-natalist?”

Is it halal to buy a house in the US with the intention to sell it in 10 years or so in an attempt to not waste money on rent?

Definitely
Rent is not a waste of money. It's the more affordable and wise decision for the majority of people.
As a renter you don't pay property taxes, you don't pay any maintenance to appliances or the building, and you are free to move to another house or another city whenever your family or work situation changes.
On top of that, within 10 years, you're definitely, without a doubt, going to actually pay less in rent than in payments for a house. Because the first ten years have most of the bank interest front loaded on it. So if your house is $450k, and it was mortgaged for $600,000 over 20 years, you're likely to own only about 25% after ten years, not 50%.
So during ten years, you are paying about 3k monthly in monthly mortgage payments whereas you'd pay 2.25k in rent for the exact same house as a renter. Plus with mortgage you have annual taxes, building insurance and maintenance for any appliance or repairs. Then, when the 10 years are over, you are still in about $350,000 debt!
Buying a home would be a better option financially only if you buy with more than 20% downpayment, and get an excellent term over a shorter period of time, to minimize the interest you'll pay on it. Do not buy a house with a 5% downpayment even if your credit allows it, to because you'll end up paying a lot more unnecessary money on mortgage insurance.

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+1 answer Read more

Is the full car insurance halal? If I lease a new car, they require me to do it. If I buy it in cash it becomes optional but the dealer is strongly advising to do it for new cars especially for new comers

It's not a problem.
Lease is a good idea, and is always halal by default. but to maximize its benefit, you should sign it under your company name, not yourself.

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Good evening ! I’d like to know if have ever experienced a paranormal phenomenon or if you have ever seen a ghost . If yes tell what happened! If not , have you ever dreamt a deceased relative of yours ? If yes , tell what you dreamt ! ??

Ilaria241998’s Profile PhotoIlaria Co
Good Read!
Every morning, the CEO of a large bank in New York walks to the corner where a shoe shine is always located. He sits on the couch, examines the Wall Street Journal, and the shoe shine gives his shoes a shiny, excellent look.
One morning the shoeshine asks the Executive Director:
- What do you think about the situation in the stock market?
The Director asks in turn arrogantly:
- Why are you so interested in that? Do you have money to invest?
"I have a million dollars in your bank," the shoeshine says, "and I'm considering investing some of the money in the capital market."
- What's your name? –Asks the Director.
John Smith
The Director arrives at the bank and asks the Manager of the Customer Service:
- Do we have a client named John Smith.?
- Certainly answers the Customer Service Manager, he is a highly esteemed customer. He has a million dollars in his account.
The Director comes out, approaches the shoeshine, and says:
- Mr. Smith, I ask you this coming Monday to be the guest of honor at our board meeting and tell us the story of your life. I am sure we will have something to learn from you.
At the board meeting, the Executive Director introduces him to the board members:
- We all know Mr. Smith, who makes our shoes shine in the corner; But Mr. Smith is also our esteemed customer with a million dollars in his account. I invited him to tell us the story of his life. I am sure we can learn from him.
Mr. Smith began his story:
- I came to this country fifty years ago as a young immigrant from Europe with an unpronounceable name. I got off the ship without a penny. The first thing I did was change my name to Smith. I was hungry and exhausted. I started wandering around looking for a job but to no avail.
Suddenly I found a coin on the sidewalk. I bought an apple. I had two options: eat the apple and quench my hunger or start a business. I sold the apple for two dollars and bought two apples with the money I also sold them and continued in business. When I started accumulating dollars, I was able to buy a set of used brushes and shoe polish and started polishing shoes.
I didn't spend a penny on entertainment or clothing, I just bought bread and some cheese to survive. I saved penny by penny and after a while, I bought a new set of shoe brushes and ointments in different shades and expanded my clientele. I lived like a monk and saved penny by penny. After a while I was able to buy an armchair so that my clients could sit comfortably while cleaning their shoes, and that brought me more clients. I did not spend a penny on the joys of life. I kept saving every penny. A few years ago, when the previous shoe shine on the corner decided to retire, I had already saved enough money to buy his shoeshine location at this great place.
Finally, three months ago, my sister, who was a hooker in Chicago, passed away and left me a million dollars from her Life Insurance

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What did he do? https://ask.fm/RockyTheWild/answers/161873324769 I could Google but I'd rather hear it in a logical manner and without ads

SlumbagSccumbag’s Profile PhotoDMR
Well first he announced that he was pursuing an executive order that would make health insurance companies cover all pre-existing conditions and he claimed that’s never been done before. But in fact it has been done before.........it’s called Obamacare and he’s been trying to get rid of it his whole tenure in office.
Next was what Smallz had an issue with. Because Congress is filled with children and couldn’t agree on a new stimulus bill, he issued an executive order that would suspend payroll taxes and vowed to terminate them permanently if he gets re-elected. We all pay into that to basically fund our retirement and healthcare, so this hits especially hard at the elderly. To be fair, Obama did it too but it was temporary and he never wanted to scrap it permanently.
And lastly is the one that’s my absolute favorite. Our Postmaster General orchestrated the removal of mail sorting machines and drop boxes all over the country during this election period to prevent “voter fraud”. Its really to help him win because a low voter turnout gives him a better chance. We’re already experiencing mail delays because of the pandemic so this is going to make everything even more chaotic. I don’t care what political party you belong to in this situation, if you get mail and/or send mail, you should have an issue with this. The USPS covers most of the mailing here and they have the cheapest rates.
All of this within the course of a week...

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Yeah, my niece starts September 8th. I'm going to help my sister out by teaching her some days. My sister is working from home for an insurance company for the elderly over 65. She has to have complete quiet while on the phone or she gets in trouble with her supervisor.

ShaynaLynne370’s Profile PhotoShayna Lynne
That’s good that you’re gonna help fill out for your niece.

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+8 answers in: “/something u have been thinking about lately”

Its about money not the time if they are not the custodial parents they have to pay child support and insurance for the child so it’s just easier to run and hide instead of paying which costs thousands and thousands. What would you do if you were in that situation?

I wouldn’t have to pay child support because we do 50/50. If parents to that there isn’t a need for child support. You’re taking care of your kids half the time so how would child support to one parent be fair?

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+7 answers in: “How often you lie to yourself?”

Do you think that the current insurance system is fine or do you think that U.S should have universal insurance?

Anyone who says they don't think we should have the kind of healthcare that the UK has is lying. But it is what it is so🤷🏻‍♀️ I don't have to pay for my kids' dental and health insurance and i'm pretty happy with how helpful they were when my daughter spent a week in the hospital and had two major surgeries so.

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+2 answers in: “How good of insurance do you and your kids have?”

Don't let us diagnosis you or try diagnosing yourself. My social anxiety/depression had me believing that I was schizophrenic as well. It took years for me to overcome it alone. If it really concerns you get evaluated by a real psychiatrist. Your military health insurance should help with that.

TheDirtQueen’s Profile PhotoTPO
That's also a good point. There's a possibility that I'm really just spending too much time inside not doing anything. Being in the military will help with that

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Seven thousand people around the world die prematurely every year due to bad handwriting by doctors. What is your opinion on this?

mukudada’s Profile PhotoAshraful Muku
The jokes about physicians and their sloppy handwriting are age-old and more or less contented among doctors themselves. But for some people it is not funny at all. A misread prescription can lead to mistreatment and cause death.
In several countries the printed doctor prescription is pushed forward by policy makers as the safer option, as it not only provides clarity but also constitutes a data base of medication that the patient has taken over the years.
"It could be that the doctor is focusing on the diagnosis and medication more than on writing the prescription," argues Keya Shivadey, specialist Gynecologist and Obstetrician at Aster Medical Center.
In the UAE patients can ask for a print out of their prescription to be more secure. "I do give medications on print sometimes. But for the insurance company I still need to provide a written prescription.”
Although Keya says to have a very neat handwriting she agrees that sloppiness is evident among many doctors around her. "Thank God we have computers now and some doctors are prescribing the medication in print."
More than 100 doctors gathered in the state of Maharashtra, India last month to make a statement; bad handwriting of a physician is harmful.
According to non-profit organization Medscape India, which spearheads a campaign to address the issue, the number of fatal incidents due to unreadable prescriptions is internationally on the rise.
In fact, the Institute of Medicine (IOM) reported that the sloppy handwriting of physicians is responsible for 7,000 deaths each year.
"I do have a bad handwriting, but it never resulted in any problems," tells Saleem Moopen, Ophthalmologist at Aster Medical Center. "I sometimes receive phone calls when patients are at the pharmacy, and they cannot read what I have written."
As the patient is often not familiar with the jargon that is scrabbled on his note the onus is on the pharmacist, who is tasked with the challenge of deciphering the order for a certain medicati

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Seven thousand people around the world die prematurely every year due to bad

It's the same one Obama care failed miserably all it did was cause companies to close, reduce employee hours to part time, and left middle class families to pay for over priced subpar insurance... trust me in this country there is ways that people will cheat the system on getting out of insurance

See ... I've known no different ... I have never had to pay for any operations or hospital stays that were needed... so the thought of someone not having enough $$ or $$ to pay for insurance is unfathomable to me ... I guess in the end ... no one person is happy with their government for whatever reason ... THAT ... is not fake news 🤷🏼‍♀️ ... take care anon .. great "entertaning" chat ...

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+13 answers in: “Btw just tell that guy from before at least in New Zealand I can see a doctor and go to the hospital without any upfront cost where as you in the US if you do not have good insurance or no insurance at all and you need surgery say goodbye to your bankaccount, house, car and everything else of value”

On a scale of 1-10, how patient are you? What is something, if done more than once, could break that patience? Why so?

Coolio247’s Profile PhotoJustine Coolioness
I feel like I'm a 7 or 8, but other people have said I'm a 10. I don't think it's a case of losing patience for ne, I just get to the point where I stop thinking about about it and start day dreaming. No where in the book of adulting rules does it say you have to keep concentrating on a task or situation that requires patience. So I partially zone out and think about my boy cat in a bow tie, or if ostriches could fly would car insurance companies cover the damage?

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