18F, BMI 12.2, located in the US
No medications
No drug or alcohol use
I‘ve had anorexia nervosa since I was a child, but this is the lowest my weight has ever been. Lately, I’ve been unable to keep down any food or water; I get extreme abdominal pain and bloating and I throw it up involuntarily. For the past day now, my mouth and throat has been so dry that I can’t swallow anything. I’ve been losing my hair too, clumps at a time every time I shower. I also keep getting random muscle twitches in my arms and legs.
I live alone at my college dormitory. No health insurance. I don’t have much of a support system, as my parents have ignored my eating disorder my entire life and I’ve gone no-contact with them.
I’m so, so scared. I feel like I’m dying. I don’t want to go to the emergency room because I can’t afford it and I’m worried they‘ll tell me I have no reason to be there. Every time I’ve had bloodwork done in the past, it has always come back normal, so what if the doctors think I’m making up my eating disorder?
I know my weight is technically low, but I feel like it doesn’t look like it’s that low. I don’t want to take up resources when hospitals are already overcome with all the COVID cases. Would the emergency room be able to do anything anyway? What are my options with no insurance?
How can I increase my caloric intake without throwing it all up?
EDIT: I went to the local children’s hospital ER, upon everyone’s recommendation. Thank you for all your responses and support! It made me cry. I don’t know if I would have gone if it wasn’t for everyone’s urging.
I’m still really scared. Apparently I’m in acute kidney failure, and I’m worried it’s irreversible. I really don’t want to die. It’s hard being alone at the hospital in this condition, but the doctors and nurses have been really nice, which is a huge relief.
I’m being prepped for tube feeding soon, which is terrifying, but I know it’s the only way I’ll get stabilized. I wish it was easier—everything is so painful right now. I have no idea how long I’ll need to stay in the hospital, which makes me more anxious. But, I know deep down that coming here was the right decision. Anyway, thank you again, everyone!
http://nymag.com/intelligencer/2019/01/kamala-harris-would-end-private-health-insurance.html
For one, when I saw today that suddenly Kamala Harris wants to end private health insurance, a voice in my head kept saying, "public option.. public option".
For two, she's conflating this with M4A, and I think it's a one-two punch strategy to kill M4A. Because you know the media will tell people that M4A won't be enough, so you'll need private health insurance to supplement, but ... IT WILL BE GONE!! :-O
SHOCK!! HORROR!!
Suppose you are a U.S. citizen.
How would you protect against a scenario where the U.S. has political instability that wrecks the banking system (say, a civil war). Suppose that the euro and RMB are still functional currencies, but Vanguard and Schwab are not returning your calls because of the U.S. instability.
Put assets in an account in Canada? (Don't you need to be a Canadian citizen?)
Buy some gold? (But it's too heavy to take much anywhere.)
Yes, this is an unlikely scenario, i.e. "tail risk." Also, yes, if the U.S. were chaotic, the rest of the world's financial systems would also be chaotic, but does that mean just throw up your hands and don't bother?
EDIT: Thanks to all who answered! This was a serious question, and I am reading your replies.
EDIT 2: I tried to summarize (without editorializing) in this comment. Thanks all!
Not to spread FUD, but I am rather troubled by the recently rolled out Ozone "insurance" for Anchor aUST by Risk Harbor in conjunction with TFL (and using community funds, I believe).
No, I am not speaking about the obvious shortcoming of not covering UST depeg, without which it's almost pointless, as it doesn't matter how many UST you get if your UST is worth nothing (or little).
Rather, I am speaking about what it does cover. It only kicks into place with a default ratio of 1 aUST < 1.0 UST (see here), meaning that aUST has to decrease by nearly 20% in value for it to be even triggered (currently 1 aUST = 1.17+ UST). But, aUST is always (after the first 8 seconds of Anchor, at least) worth more than UST, and keeps growing in value every few seconds.
(Can someone illuminate me, by what mechanism in Anchor can the value of aUST vs. UST ever go down? Is that even possible? Could 1 aUST go to below 1 UST? How? Does the Anchor code even have any allowance for that? That would be a massively negative APY. That's what it would take for this Ozone "insurance" to ever kick in.)
Furthermore, the payout ratio is fixed at 1 aUST : 1.14 UST (see here). This means that maximum coverage value steadily decreases over time (as the value of aUST vs. UST grows, yet the payout ratio is fixed), and that even at this very moment it only covers some 97% of your deposit (1.14/1.17; and this coverage will only decrease over time, and at the current Anchor APY in one year will cover less than 80%). So, it doesn't provide you any coverage for any interest earned, and doesn't even protect your full initial principal. And, quite importantly, the value of aUST has to drop by over 15% for coverage to even kick into effect (something that I am not sure is it even possible w/in the design of Anchor - but I am sure that some brighter minds will chime in here and educate us).
And for all that you pay 2% annual fee. Yet the future of Anchor, at least in terms of the yield, is far from certain even for the next few months. Meaning that cost of insurance vs. yield is likely to considerably increase.
Ozone was thought to bring certainty to Anchor. It has just done just the opposite. It's a horrible value proposition (IMHO, at least), has a draconian and possibly unfeasible criteria for it to even kick into effect, doesn't ev
... keep reading on reddit ➡The conversation:
“You’re raising my rates?? I’m fuming right now! Let me speak to your manager as I have some burning questions!”
- “Sure, fire away”
“How much are you raising my rates?”
- “A lot, they’re going to reach new Fahrenheits”
“I am heated!”
- “I’m sorry sir. We will keep it as manageable as possible since you have fantastic driving history - we want you to know we view you as a real bright spark”
“Thank you, I am de-lighted”
Just getting my thoughts off my chest to be honest, what the actual fuck are they playing at in Westminster?
I support independence, but come on tae fuck Boris. Folk are going to get hurt, suffer and die this winter, this is actual shiteshow right now. If the Tories don’t pull their fingers out, this winter could be one for the history books.
I'm aware that my sister-in-law is taking a big risk herself by doing this, but what about me? What financial or legal risks am I exposing myself to if I accept this arrangement, if any? On the face of it, it seems like I'd be getting the benefits of leasing a car with no strings attached (edit: and without the option to buy the car at the end, which is fine), but I'm wary of possible hidden pitfalls. Thanks!
So my bank informed me before signing final paperwork I must have a builder's risk insurance policy in place. I've got a call in for Monday with a few insurance companies but dont want to be shocked by the numbers I'm getting. So in your experience how much should a policy run me either monthly or for the year on average?
I'm borrowing $250,000 for 1500 square feet in rural South Carolina to build the house by the way...
Any insight or information you can offer would be greatly appreciated.
First off, I'm long on SENS and looking to buy more. I figure FDA approval is only a matter of time at this point - more specifically only a matter of quarter (Q1 vs Q2, etc)...
Thinking longer about my position, I started brainstorming risks that will negatively impact SENS after approval... I came up with one that I'm interested in discussing with others who may have considered this or who may know more about the procedure.
With other CGMs (dexcom, etc), there is no need for Dr insertion and therefore no need for insurances to cover the cost of additional appointments and insertions in order to provide patients with clear, accurate continuous glucose monitoring... What happens when insurances refuse to cover SENS products because they are a more costly option for no significant benefit (from insurance POV)?
I know it's quite a stretch, but this happened with DNDN and their cancer treatment in ~2011-ish. Stock went flying high on FDA approval, then insurances started denying coverage because the extra cost of Dendreon treatment ($$$) for 6 months of life extension was deemed, uhh, a poor financial decision by insurance companies. Therefore DNDN couldn't provide it's treatment bc insurance wouldn't cover... Stock crashed over the next year, and company eventually went bankrupt despite it's developments.
Does anyone have any relevant info to mitigate this risk?
It seems the regular homeowner insurance covers wind, but flood and fire have to be purchased separately. Just curious:
1, Is it necessary to buy flood and fire (ignore earthquake for the time being) insurance? Any other risks need to be insured?
2, What is the normal level of deductible?
I believe certainly not.
Nothing against individuals, but we cannot risk giving political power to a group with high exposure to propaganda by subversive forces
With India now public enemy no. 1 in most Western capitals, it is too risky
Age of innocence for India engaging with diaspora is over.
15 years ago, with an economy the size of tiny S Korea and 75% of people defecating in open, India seemed cute n cuddly to the West
Not today.
The moment India became 5th largest economy, our politics became internationalized.
Most Indians don't realize yet that the global elite has declared war on India.
So this is definitely not the moment to give dual citizenship.
https://twitter.com/AbhishBanerj/status/1465674118469062667
So basically our child is now at an increased risk because someone flipped a coin and it came down the wrong way. Nothing frivolous about the tests ordered, it's standard treatment of care. Even the doctor was baffled.
Even recommendations would help. Thank you in advance :)
** Sole trader is what the title is supposed to read**
So first of all, hope this doesn’t fall under personal financial advice- I’m just looking at the broader picture of options and trying to understand them.
So I work as a full-service sex worker (aka prostitution) which is completely legal in my state and which I am registered as a sole-trader for. This has been my job for a decent period of time and it’s likely it’ll be my career for a long time to come. The only issues I face is the frequent financial discrimination faced in the industry even when I abide by all the laws and check marks. I’ve had bank accounts shut down before, but have thankfully found a bank that seems safe now. Because it’s likely to be my job for a long time, I’m looking into TPD & life insurance cover but so far it’s been no bueno from every insurer I’ve called. Most don’t even give a specific reason, they just say no. Some I believe it’s because we’re classified as a “high risk” industry but then I look at trade professions that have a much, much more significant risk/rate of death or workplace injury and they’re still eligible for these kinds of products.
I guess my main query is, do I just give up on these kinds of things being accessible to me and stash money in savings instead? I keep an emergency fund regardless but obviously it’s not the same level of coverage that a TPD claim would pay out in the event I ever needed it. Are there any other options for obtaining these insurances? Long shot but any other sex workers on here who have been successful in obtaining coverage?
Boy these fuckers sure want our money ... also, there is no consequences to the ones responsible for the irresponsible policies and illegal practices that contribute to the bank failure. This has to stop.
Hello everyone,
I have been researching a classification of bank that have been determined to be Global – Systemically Important banks. (G-SIBs) and Domestic – systemically important banks (D-SIBs).
What are these SIBs and why are they a thing?
In October 2007, the G7 Finance Ministers and Central Bank Governors asked the FSF to undertake an analysis of the causes and weaknesses that have produced the turmoil and to set out recommendations for increasing the resilience of markets and institutions going forward and to report in April 2008.
The findings and recommendations in this report were the product of an intensive collaborative effort of the main international bodies and national authorities in key financial centres. They draw on a large body of coordinated work, comprising that of the Basel Committee on Banking Supervision (BCBS), the International Organization of Securities Commissions (IOSCO), the International Association of Insurance Supervisors (IAIS), the Joint Forum, the International Accounting Standards Board (IASB), the Committee on Payment and Settlement Systems (CPSS), the Committee on the Global Financial System (CGFS), the International Monetary Fund (IMF), the Bank for International Settlements (BIS) and national authorities in key financial centres. Insights have been gained, as well, from private sector market participants.
We know who the players are …
7 April 2008 the Financial Stability Forum presented a report to the G7, Report of the Financial Stability Forum on Enhancing market and institutional Resilience.
https://www.fsb.org/wp-content/uploads/r_0804.pdf?page_moved=1
Financial Stability Forum became the Financial Stability Board in April 2009.
https://www.fsb.org/about/history-of-the-fsb/
Once the G20 approved the SIB concept the FSB has been pushing this initiative ever since then and one of the “solutions” they decided was a good idea was to classify banks as systemically important banks and prevent the need for a government bail-out and now will use a “bail-in regime”.
A what now? Bail-in regime?
So regardless of what processes you will find, or hear about, the result is th
... keep reading on reddit ➡I’m pretty big on Ledn and have not had any issues with them. I haven’t been doing any referrals but with the recent drama surrounding that I am revisiting my research to decide if I should stay or go.
The other day I started looking into insurance for crypto, and came across this website. They are quoting 2.5% for BlockFi who I was with before and 42.5% for Ledn.Quote Link
Am I missing something or does this really mean the team of underwriters views Ledn extremely high risk?
