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If a company I worked for 3-4 years ago didn't reimburse me for few thousand dollars because I didn't fill out the form correctly, is there anyway to get this money back?Their lawyer > your lawyerTheir resources > yoursIf you can now afford a lawyer on this you probably earn enough where this amount is not so signNow to you. In the end it's just money, and there are far more valuable things in life than money such as time; which no amount of money can buy.
How can we better ensure that K-12 students in the U.S. have proper network connectivity at school?Education Superhighway (http://www.educationsuperhighway...) is an incredible nonprofit addressing this very problem. They offer speed tests & programs to update your connection. Additionally, look into the Federal Government's eRate program (http://www.usac.org/sl/ - currently under revision)
Why does the healthcare system in Canada have such a long wait?I used to write software to help hospitals keep track of their efficiency, and wait times was one of the things measured. (So were unnecessary tests, length of stay in Hospital, re-admission rates and much more)If you are interested in wait times and getting reports, the Canadian Institute for Health Information CIHI is a valuable resource.There are some things to consider.Triage: Some thing are important (Breathing before Bleeding before Broken) than others, so wait times should be sorted by diagnosis before making claims.Past results show that when Canada sets a target, the system responds to meet it, but you can't optimize everything. Triage as a concept is about setting priorities.Also, consider that workload on the health system is not uniformly spread out. I once broke a bone on Dec 23. I was out of the hospital with everything done, after having an X-ray, (including a copy of my x-rays on CD because they knew I was going to travel after Christmas), my physician talking to a specialist about the results deciding not to do surgery. All done in 3 hours from the time I got *injured*. Yes, that includes getting up, going home, finding a babysitter for my kid, waiting for my wife to come home and bring me to the hospital, limping across the parking lot, going home afterwards, etc. Everything. Apparently Canadians aren't getting sick or injured the Thursday before Christmas Eve. There are other days of the week or year where the emergency rooms are overwhelmed, and wait times skyrocket for a short period. Disease or cultural patterns can make some days have a sudden surge in need for health service.One important indicator that we track is the time from arrival to triage. If we can quickly sort out whom is going to die and whom can apply ice while waiting for the critical cases to go first, we get a preferable trade of higher wait times for non-emergency care and low overall mortality.Some Doctor's practices are better at managing appointments than others. So beware making conclusions about overall performance from a few samples, a classic logical fallacy. With my family Doctor, if you are sick or injured, you see him that day. If you just want an allergy shot or to follow up on a chronic condition, then it is next day or day after scheduled appointment. My wife's doctor (different practice) is nowhere near such schedule control and punctuality. [Any statements about why given the data I have would be purely speculative.]Population Density and Size. It is easier to achieve economies of scale and the efficiencies of specialization with high population and density. It is also easier to reallocate patients to another hospital with available capacity if it is nearby. Those whom compare Canada to France or the UK have to remember those countries have double Canada's population stuffed into less space than Manitoba, just 1 province. If those countries can't run a more efficient health care system, there is something very wrong with them.Pay by Taxes? Well that is a 2 sided coin.Canadian political parties both left and right claim to have plans to have balanced budgets. (This should be taken to mean that the Canadian voters expect the parties to at least claim they have a plan to eventually do so, and is not a partisan endorsement or prescription of how that is to be achieved.)This may come as a surprise to some readers, but a sizable number of Canadians want to keep their taxes low, and sometimes vote in governments with Tax Cuts as their agenda. This often does result in cuts to health care service, such as the Ontario Liberals removing annual eye exams from coverage (around 2004) . So while we do have taxpayer funded health care, it should not be read as unlimited money. We are trying to get value for money. Moving to a public system and away from a private one is sustained by being better value for money. Even those wanting to expand the public health care system are expected to bargain hard to control costs.Here is a hypothetical to make a point: Suppose you have to buy expensive diagnostic equipment, do to 48 "tests" a day. One unit can do one test an hour. As the purchasing manager, do you buy 2 of them, and run 24 hours a day, or 4 and let the techs sleep at night? If you buy 4, you have spent twice the money to achieve the same speed of service. If you can't line up the people needing the test to fill that queue 24 hours a day, you can't get away with buying only 2. Idle capacity costs money. If there is always 1 new person in line to get service as a test begins, you can maximize throughput and eliminate down-time. To a certain extent, wait times are about minimizing idle capacity.Next time you are in a hospital ward and there is no nurse at the station, remember that admins want their nurses doing patient care over 80% of the time. So 80% of the time they are out doing rounds and actively taking care of people instead of being available at the station. One will eventually return to the station, and one will definitely respond to the emergency button.Cuts that remove idle capacity are often called 'trimming the fat' and don't impact wait times. Other cuts do eliminate capacity or fail to provide service, so there are other issues. In some ways, this is dumping costs off the taxpayer and onto the sick, privatization by stealth.This is to illustrate that there is a tension between financial efficiency and speed of service. Sometimes we make good choices to achieve both. There are also cases where improving patient throughput at a lower cost per patient raises total costs because more people can get service faster. In the spirit of a non-partisan forum, I'll leave it to the Canadian readers to decide which politicians at a particular moment are cutting services to achieve budget targets and which ones are finding efficiencies and yielding real savings.Then there is something to consider: How much surplus capacity is needed in case of emergency, seasonal variance, or a crisis that can quarantine hospitals, such as SARS?In part America is paying for surplus capacity, UN-required tests, profit margins, massive administration, advertising, billing collection and bad debts, and other business overheads. Unlike America, other countries try to do bulk purchasing to negotiate better deals for drugs. This is part of how other countries can spend a lot less per citizen on health and get comparable or better results.In general Canada does quite well at giving priority to doing things to save lives faster rather than elective procedures. Remember when comparing health care systems you have to use %of GDP as a measure, since a government dumping a cost off the Taxpayer and onto the taxpayers whom happen to need care helps the Government's bottom line and reduces taxes, but does not make the national system more financially efficient.
I'm going to be moving to Hong Kong next month. What do I need to know?The way to find the apartment is to find the neighborhood you want to live in, and walk into a real estate agent for that neighborhood. Hong Kong is pretty compact, so it doesn't make that much difference if you live on the island. I know a few people that live in Shenzhen (much, much cheaper) and commute to Central every day.Bank account: go into a bank with your passportPhone: You can get your iphone unlocked at which point there are all sorts of competitive cell plansInternet: Also lots of competition. Cost of living: It can very widely. The big cost is rent, and where you want to live and how much you want to pay is up to you. Expat things tend to be more expensive.The only thing that I haven't been able to get in Hong Kong are tamales.Some random things....1) The most annoying thing is to find schools for the kids. One thing that I found out was that you should e-mail the schools to see if there are any places open before filling out any applications. That will save you a lot of time, and if a school doesn't respond to your e-mails, that means they aren't interested.Also you'll find that people will keep their space in a school until the last minute. We were put on a lot of wait lists, and the day before school started we got calls seeing if you are interested.2) The housing reimbursement program is not a separate account. You fill out a form saying that you want X of your income to go to housing, and that gets set up tax-free. I was confused because I thought it was like an account in the US where the money goes into a separate account.3) Pensions work differently in HK. One big mistake that I made was because pension matches are subject to US tax, I minimized my pension match since I assumed that I wouldn't have access to the funds until I was retiring. What I didn't realize was that outside of the minimum contribution, you get the full pension benefit in cash when you switch employers. If I realized this I would have maximized my employer match.4) If you are a US citizen/resident, you will need a tax accountant for the first year. The taxes are low, but you will have to fill out a ton of forms. Once you know how to fill out the taxes, then you can just copy them over to future years.5) If you have a choice you want to get paid as a HK employee and not a US employee, the tax rules are different and in particularly as an HK employee you do not have to pay US social security taxes. The income tax is about the same, but as an HK employee you don't have payroll withholding.
Banks: How do I close an HDFC bank account?HDFC bank is known for its service but this service comes at a premium price as you need to maintain a certain amount of balance in the account on monthly basis. The balance requirement differs from one place to another and on non-maintenance of the balance, the customer is penalized with a certain charge.If you are also sick of paying non-maintenance charges then probably it is time for you to close the HDFC Bank Account. The process of account close is really simple and you can close your account is just a couple of steps. Here is how you can do it.Note: You can’t close HDFC Bank account online, but account closure form can be downloaded online.Steps to Close HDFC Bank AccountTo close your account in an easy way, ensure that you drain out all the funds parked in your account. The easiest way to do this is through net banking. Simply transfer all the money to some other account through NEFT, RTGS or IMPS. The balance in your account should be Zero.Now you can go to the nearest branch and approach the bank executive. Obtain an account closure form from the executive and fill in the form with correct details.Alternatively, you can also download the form from the comfort of your home and take a filled form to the branch. Download the account closure form from hdfc website.Now, you can submit the form to the executive along with the debit card, passbook, and checkbook. You must also take an ID proof with you as the executive may demand for the same in some cases.The executive will then give you a copy of the acknowledgment You can keep the slip safely with you and your bank account will be closed within 10 working days.If you face any trouble during the procedure then feel free to seek help from the executive or you may alternatively call 1800 22 1006 for assistance over the phone. You can also register a complaint about the toll-free number shared here.Source: How to Close HDFC Bank Account Online
What steps must a licensed professional counselor take to accept insurance or medicaid/medicare?It depends on your state, but typically, they want you to fill out the CAQH application. But each insurance can be very different in how they go about the process. Medicaid and Medicare are a bit different, but again, you will most likely be required to fill out the CAQH. I would ask your colleagues who they take (insurance) and why. I currently only accept two carriers - one national, and one local (but quite large). I do this for two reasons:1) Reimbursement rates are pretty decent with each (the local being superior) and2) Ease of filing - one has a clearinghouse that they provide for free to providers, and the other pays so well, I don't mind filling out the claims forms by hand!I have been in private practice since 2011, and I have only recently began taking insurance. My learning curve has been interesting, but I will say, both groups I chose have been excellent to work with, thus far. Hope this helps!
Does Walmart offer tuition reimbursement, and how would an employee get it if it does?A quick Google search pulls up the followingWal-Mart Tuition Discount - Latest Online Learning News and ResearchBenefits - Walmart CareersAs to how you would get those, the place you need to go is your manager and your HR department. They will have the answer and the forms you need to fill out.
How do I deal with rude flight attendants?Last time I flew in an airline -I won’t name,the flight attendant forgot to get me my meal. By the time the trolley signNowed me, the non-vegetarian meal rack was empty. I was told that they will get me the meal in 5 minutes, I told them even if it’s a vegetarian meal it’s fine. It wasn’t really an issue for me as I don’t like troubling them but they insisted that they have more fish packs and they will get me one.My wait was for half an hour, with them avoiding me,avoiding my call and not even looking at me. They didn’t even get me water. I got pissed. I literally raised my voice the next time with an “Excuse me, are you deaf?” and the flight attendant was like, “yes,mam can I get you something?” and my soft reply was,”YES! Your complaint book and it should not take half an hour, I want it right now.”That led to some prompt working and them apologizing for some 15 times in next 15 minutes, they offered me meals (which I refused) and goodies (I refused them as well) and as I didn’t accept their peace offering or apology, in the end, after our landing the ground staff met me and after another series of apologies they refunded my ticket.It’s not about the food,it’s about their non-caring attitude. I have paid for that seat and that meal with hard earned money. If one form of meal is not there, I understand it’s not their fault but if they refuse to get me any meal then I can get nasty as well.So, asking for the complaint book work wonders, do it the next time they harass you.PS I am not proud of what I did but it was needed.
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