Foreign Service Benefit Plan Claims 2014-2024 Form

I don't want to use my “minority status" as an identifier. I really do not. But in the United States, I cannot refuse or ignore my Asian American “minority status". My minority status was forced upon me by American society, instead of my own choosing.Being born a minority isn't an issue. No. I was born as a minority in China. I was Manchu, one of the 56 ethnic minority groups in China, where the Han Chinese majority constitutes 95% of the population. I was never treated differently, me being a Manchu was never an issue with anyone. When I watch TV, people similar to me are properly represented with respect and diversity. There are plenty of TV shows specifically depicting Manchu court intrigues, that actually features my people in history. Manchu culture is integrated with Han Chinese culture. It's hard to determine where the Han Chinese culture ends and where Manchu culture begins. Our custom, clothing, food, are now part of mainstream culture. I was never made to feel unwelcome or not belong, because of my ethnicity. The only time I was reminded of my minority status was when filling out forms that asked about my ethnic background.For a Manchu ethnic minority person in China, my “minority status" really is just happenstance.But not in the US. No.Since I arrived in the US almost 2 decades ago, I was constantly reminded that I'm different.I look different. And that “difference in appearance” means a lot more than my height, weight, hair color, or being left or right handed… My skin color means something more than simple aesthetics. In American society, my skin color defines me as a person.Prejudice is everywhere. Everyone does it more or less. But racism isn't just prejudice.So in China, people look at me, my clothing, my manners, or even the place they saw me… they come up with an assumption, which probably isn't very exciting or anything out of ordinary. And the factors people use to make assumptions about me, my hair cut, my clothing, my behavior, all of these are my choice. I choose my own hairstyle, I choose what I wear that morning, I choose how to behave in a certain situation… My choices directly impact how people judge me.In the US, however, regardless of how I dress or behave, people make a snap judgment based on my race alone. I can't choose my skin color. I can't choose to not appear East-Asian. And yet before people know me based on my own choices as an individual, they had already identified me as “Asian". In American society, regardless of my own personal choices, people will start with a set of assumptions about me or any Asian-looking women: I can't speak English very well, I drive poorly, I’m born somewhere outside the US, I speak another language, I'm submissive and docile, I value traditional gender roles, I respect and obey my husband, I'm good at math, not sports… etc.Some of these assumptions are true, I was indeed born outside the US, I do indeed speak a second language other than English. But the problem isn't such stereotype has truth in it or not. The problem is regardless of our own personal experiences, every one of us “Asian-looking women" would be identified as such before anything else.Take a Chinese American girl born in the US, she might not speak Chinese, she might choose to study Spanish as her second language, she might be captain of the school soccer team, she might not care about math…And despite being two very different people, both of us would be given the same assumption when people first meet us.Our choices have no impact on how people see us. In fact, many of us struggle to break the stereotype people given to us, through extraordinary personal choices. We rebelled against our racial stereotypes because we're sick and tired of how people slap these “identifiers" on us.Despite being an American, we're constantly reminded of being different. We're constantly being asked, “but where are you really from?” Second generation natural born Chinese Americans were complimented for speaking English like a native speaker. We're often told to “go back to where you come from" when criticizing US government and policies. We're constantly required to justify taking space in society.A lot of people from privileged group don't understand this. They never experienced it themselves. So it seems we're the ones always talk about race. It seems as if we are the ones making racial conflicts worse by constantly bring it out. And racism would just go away on its own if we all stop talking about it. If we don't see color.We don't want to see color, dear white people. We would be just fine if you treat us the way you treat your own race. We'd be fine if the store clerks wouldn't follow a black customer around but don't give a damn about white customers. We'd be just fine if you stop asking us about where we really come from. We'd be just fine if you could stop calling the cops because black people living their lives.You're the ones who relentlessly pushing racial identity on us. Not the other way around.John repeatedly slaps James. James cried out and ask John to stop. John replied “well, I don't feel anything. I don't see the problem. Are you sure you're not being too sensitive? Surely if you stop crying about it, your imaginary pain will just go away.”No, it won't, John.

Dr. Babasaheb Ambedkar proposed reservation for a limited period for upliftment of lower caste community in India. Who knew then that this reservation policy will become a big tool of vote bank politics of 21st century.Who knew the upper caste who used to treat lower caste people as untouchables then, would one day fight for lower caste status.Yes i am against resrvation and let me explain in sequence of my life experience why i am against it.For more than 10 years all we school mates were good friends and none of us knew one of our freind ( infact my best friend) is a SC until we had to fill our SSC form where they specifically asked for Caste. It didnt change anything between us but why there was a need to seperate him out on the basis of caste.Then we passed 12th and then i realised the true colours of reservation. There were many friends of mine who scored above 90% in PCM and didnt get admission in Engineering and my SC friend got admission in best Engineering college by scoring around 70% in PCM. One of the brightest guy in our group was so dejected that he joined Merchant navy. How many great minds like him have we lost due to this idiotic reservation policiy? I propose let make it mandatory that all Political Leaders gets treated in India by SC/ST practitioners. Its not that i am questioning capabilities of an SC/ST practitioner but this move will expose these hypocrites who play caste politics.Lets remove the caste based vote bank policy once and for all. Remove caste column from all forms.Give financial aid and scholarship to all people below BPL.Ensure every tribal area has good schools atleast till 10th.This will give far better result within 10 years compared to what Reservation has given till now.

9Good Question>>>This question is good bcz there is a lot of peoples who have suffer from this problem. In bank exams the cut off of English is quite low, yet almost 60% people failed here in English section only, why?, this is a big problem but luckily I have a solution for this problem which break hurdles of your path easily with minimal efforts. So, first take a look of the whole syllabus of English which is asked in banks exams>>>RC, Spot the Error, Fillers, Cloze test, Sentence Arrangement.This is short look of the pattern of asking questions in Bank’s papers. I wood tell you here what should you do to get through this. Here are some important things which you should do for boosting your numbers in English section especially.Problems :1.Grammar : You read this or not, it doesn’t matter in bank exams. Anyone who has a little bit of understanding of english only as a language, can do its questions when it comes in D-day, but the only point is he/she had a general Idea about solving question which varied from person to person. If you’re the aspirant of SSC then you have to know about grammar little bit more but if you’re a aspirant of banking exams then it doesn’t matter more. Anyway, if someone amongst you want to read Grammar then don’t use too many books for Grammar, if you want you can use this book SHINE BOOK but even if you not take this then also its not harm you bcz this book contained some rarest SSC level grammar rules which can also helpful for you in your understanding of the subject a bit more.2. Word Power : It is the key for your success, How?, I would tell you here. Fillers, Cloze test will create almost 99% questions based on word power bcz if you know the importance of any word as well as their meanings then you can use to it in fillers and Cloze test. Honestly 100% questions you can do it only through this even if 40 % question RC will be based on word power. How you built it, I would tell you later.3. 60% RC : It will covered from your understanding. Suppose anyone who had a sufficient knowledge of English can read a passage and knew easily about central Idea which is only 10% of RC but what about the other 50%. Therefore you have to understand this from your own. So, How would you acheive it, I would tell you later.4. ABCDE : You’ve a question in front of you which carry 5 Questions and the funny part is if you solved it only once then you can score 5 marks easily may be in 2 minutes but there are two main problems which hardly thinks by anyone, which is Understanding and Reading speed. If you reading with speed, you hardly understand the topic and vice versa.Solution :Read a English newspaper daily. This is the panacea for you, How?, I would tell you here and all we talked about the role of Newspaper in many areas in English sections.If you read a newspaper your reading speed will grow. After reading it regularly your understanding power will grow. If you found some words new for you and if you google it then your word power also grow. In a nutshell, your overall knowledge will grow. Now the question is how someone read a newspaper who has never read it before for a competitive purpose, Don’t worry I would tell also this to you here.Whenever you reading a newspaper, first read the content of any article and then translare it in your own language as it is. For Example : If you belong to Orissa then first read it in English and then translate it in Odia, similarly, hindi, urdu or any other language you prefer. don’t think about the time, select only one article and finish it patiently by taking time. Read only one paragraph in a day but finsh it like that if someone ask anything about you from that article may be in moulded form, you can answered about it effectively, bcz if you read like that you can solve Rc, Cloze test, Filler & sentence arrangement in 100% while in the case of spot error only 60% in which you can understand the error through your understanding part.Smart study : The articles or pages you choose from a newspaper choose it by filtering other news other than Financial awareness or business part because the article or topic you are reading may be comes in your mains.If you do this whatever I would tell you here then you can first got improvement in yourself about reading things as well as word power. By this you can start to linking words in sentences which will help you in spot errors and filler sections and after linking sentences you can actually improve your sentence arrangement areas. If you can understand it whatever I say here and you used to it the I bet you, your english will be improved after giving some if your time.Tips 1. Don’t afraid of English, treat it just like anyother language.Tips 2. Attempt all questions of English in prelims as well as mains bcz here you easily score more with a good knowledge of wordpower.If you still wants to clear some queries then ask it on my fb or insta profile. I’ll promise you to answered your querry within first 24 hours, I have already solved 100+ people queries related to various competitive exams like UPSC/SSC & of courses of Bank exams as well through fb & instagram, whenever they ask.Best of luck…!!!

As per the tentative schedule published on the official website, Indian Banking Personnel Selection (IBPS) will conduct the preliminary exam for recruitment of probationary officers (PO) in the month of October.This leaves roughly six months for banking job aspirants to prepare for the exam. While it's not necessary that you begin preparation for IBPS PO exactly six months prior to the exam but it will definitely give you ample to go over all the topics and revise. In this article we will discuss the strategy aspirants should adopt right now in order to ensure a good score in the IBPS PO preliminary and main exam.IBPS PO Preliminary and Main combined, there are total five sections in the IBPS PO exam - English Comprehension, Quantitative Aptitude, Reasoning, Banking Awareness and General Knowledge, and Computer Awareness. Six months are fairly enough to be completely prepared for both Preliminary and Main exam.1st and 2nd monthMake a section-wise list of all the topics from which questions may be asked. Start with the ones you find the toughest or have never heard of before. Devote one hour on each section. In case of Banking Awareness and GK, and Computer Awareness, half an hour a day is enough. Refer only school textbooks and normal exercise books to learn the fundamental concepts.3rd and 4th monthBy now you would have gone through every topic on your list. Now you need to begin focused preparation. Buy a preparation book for bank exams and start solving questions topic-wise. Again an hour a day should be enough. You should follow preparation books because the questions asked in the exam are a tad bit different than the ones which are mentioned in school textbooks. Also focus on learning shortcut tricks for solving lengthy problems.5th and 6th monthIn the last two months, I suggest you sign up for online speed test and solve at least one paper in a day. Don't just solve preliminary speed test but also speed tests designed for Main exam. Solving speed tests would help you identify your problem areas and you can work on them. Speed tests would also get in the gear for online exam and benefit you on the exam day.This schedule (even with a little variation) would allow you to cover every topic including revision and give you an edge over other candidates appearing in the exam.Books for Banking ExamFor IBPS PO i am giving you a small sum of books that will help you for upcoming exams.QUANT:Paramount By Neetu singh (both vol 1 and vol 2).DI: Arhihant + BSC magazine problem.Reasoning:Buy arhihant publication book for general practice.BSC Publication Magazine problems for practice.For Puzzle- Magical Book on PUZZLES by K Kundan.ENGLISH:Reading Reading and Reading, no book will help you unless you start reading and make summary that will help in descriptiveVocab building and revise them regularly.Hindu paper/Indian express/TOINote: No need of book for english. News paper enough.General Awareness:Bankers Adda/Gk today daily affairs don’t read them write them in your daily notes.For quick reading leadthecompetition.comFor quiz App: Daily GKIf you are done with these above three areas, you are done with GA. No need to go for GK tornedo, Capsule, Injection, Golden points etc. ☺BANKING:RBI FAQ ( Frequently Asked Questions)Dhankar publication book for general banking.Make notes from History of banking, years of establishment, Acts, Nationalization, recent developments, committees.Previous exam questions of banking.COMPUTER:Lucent + Arhihant book read them twice will take 15 days to read both twice.Mock Tests:Start with Bankersadda and then after getting proper level join Practice mock and Oliveboard.TIPS:Join Facebook groups to understand pattern and competitionPractice as much as mock u can don’t wait for syllabus to complete.Keep cut off,Types of questions in mind.Don’t Mug up things understanding things well that will help you in life.Don’t compare ever, stay positive, confident, happy.Dont go for bulk materials, books follow the above things these are quite enough to crack u dont need to do phd in quanta/reso. We are here to crack exam. Thats all

So you wanna learn how to become a copywriter my junior friend? Well it’s very possible. In fact, there’s really no formal education you need. Some of the top-paid copywriters in the world never went to college or took a writing class!No education!No formal training!!Make lots of money!!!…..now before you start getting crazy, let me step you back into the reality of becoming a copywriter:1.) What Is Copywriting?Copywriting is essentially moving words around to sell better.Let’s say I work for a company that has a webpage which gets 1 out of 500 visitors to buy something.If I was a copywriter, I would figure out how to make 1 out of 100 of those people buy. This means 5x more sales from the SAME webpage!A good copywriter will understand how to do this with their words, and also how to re-arrange pictures and buttons to get more sales.A good copywriter is not just a writer. They are a keen studier of the human psychology behind purchase decisions!2.) Understand why people hire copywriters:Think of the huge amount of content a lot of companies have to put out.A single insurance company will have to put out all this stuff:Ads on TVAds on the internetAds on radioBrochures for B2C salesBrochures for B2B salesBrochures for every different productForms to fill outForms to fill out for various different product linesGoogle adsFacebook adsUpdate their TwitterUpdate their Facebook pageMake content for their websiteMake the content for their website about each different productMake sure their content is convertingMake sure customers understand how to signupSend customers packets explaining their policyHave scripts for their sales people to followHave scripts for their customer support people to followWrite press releasesThe list goes on and on and on and on…Allllll of these things need to get written by or looked over by a copywriter. And that’s just a single example! Some companies will rely heavily on copywriters. Some companies (like 37Signals) require ALL members of the team to be great writers before they ever start.So people will pay a copywriter good money to handle these things for them. But YOU my young friend, need to understand that to get that money, you need to keep relationships within those companies that need those services.How to Get Clients As a Freelance Copywriter:This is by far the biggest question I get. And people seem to forget one thing:Establishing yourself as a freelance copywriter is the same as building a business from the ground up.You’ve got to put in LOTS of effort in the beginning, show talent, and not expect immediate riches. There’s no free lunches here boys and girls.A lot of people get entranced by the prospect of working from their laptop from anywhere in the world as copywriter. In fact people go nuts when I post pictures like this from various locations!Since all my copywriting business is conducted from a laptop, I can take off and go work from the beach.Or if I wanted to drum up an extra $10,000 really quick …..I can just devote some of my hours to copywriting gigs.But these luxuries are the result of hard work, actual results, and existing exposure.This won’t happen overnight for most copywriters. And probably NEVER will for a lot of them. However I’ll share some of the ways I’ve personally seen people get amazing (and high paid) copywriting gigs:METHOD #1.) Becoming popular on the web as a copywriter.If you become known as a famous copywriting figure, you will build instant credibility.And if you have high credibility, you can ask for more money.So how did I build credibility for my copywriting career?Building Copywriting Credibility Step 1.) Practicing what you psignNow:I originally ran a couple of businesses starting from high school, and I first applied some copywriting techniques to the email list I had.METHOD #2.) Becoming popular in a specific nicheSo a lot of lower-end copywriters will insist “I can write everything!” But in reality they should niche down when they start. For example, if you worked for a big health company and did a lot of writing for them, you should call yourself a copywriter that specializes in the health space.This will make it easier to gain credibility in a specific area.You probably wouldn’t super-trust the guy who mows your lawn for financial advice…..however you REALLY might take his advice on how to hedge bushes and get a clean line on the edge of a lawn.He has very specific advice, and lots of experience practicing what he’s talking about.Instead of being “just a copywriter” ….it would be better if you were “A female copywriter who specializes in talking to 1st time expecting mothers.”It would be best to hang out and network in places where people are selling stuff to 1st time expectant mothers. If someone need a copywriter, and you have experience in EXACTLY their niche…..guess who has a high chance of getting the gig??My personal niche started out with smaller companies and daily deals. Then moved into medium sized businesses.However if someone approached me to write for 1st time expectant mothers, I could DO It……but I don’t have experience and can’t exactly relate to the struggles of that demographic. So I try to stick to my area of expertise so I can deliver the maximum results.METHOD #3.) Becoming popular for big companiesTHIS method can apply to certain people, and be quite lucrative.Let’s say you worked for a big company in the marketing department and you were exposed to how a big marketing department tests & releases products.If you were to build a nice little network in the same industry, and then become a consultant with a VERY SPECIFIC expertise, then you get some other big companies to fork over A LOT of money.Smaller freelance gigs can pay a few hundred dollars. But a huge corporation who is a doing an 8+ month rollout of $100,000,000+ product will pay you some phat-ass cash to ensure they do it right.Now I personally probably couldn’t get one of these gigs because I’ve never worked inside a huge company. That means I lose major credibility because I’ve never walked the walk.But if you do have some very niche experience within a big corporation and had a few big wins, you might be able to become a very highly-sought-after consultant.The cool part is you only need a few good contacts for this.I know someone who wrote an oil-management program in the 70’s that’s still used today. Till this day he gets sweet-ass gigs from multiple companies JUST to be around if anyone needs help implementing it.Since the projects he consults for are $2billion+ …..the companies don’t mind shelling out major cash just to keep him around.Boring? Yes.Sweet cash flow? Yes.This is one of the benefits of working with a big company:You know how to implement projects within a large company. That is actually a rare skill.METHOD #4.) Get small-time gigs.Now there are some other ways to get copywriting gigs, but I’ve never seen anyone who consistently made big money doing these things alone, so I’ll just list them quickly:Posting on Fiverr for copywriting gigs.You’ll definitely get some leads this way, but your clients will usually be bargain-hunters and not HUGE jobs.Posting on Craigslist as a copywriter for hire. This will generally result in corporate copywriter jobs that are relatively low-paying ($35,000 – $45,000).Posting on UpWork as a copywriter for hire. This will get you small to medium gigs. It’s not my favorite wayMETHOD #5.) Post in Facebook Groups where people can use copywriting services.I think this one is the easiest. Just go to groups like The Cult of Copy Job Board that you are offering your services for a one-time low price of $xxxxx and that you’re for hire.A lot of times people will bite.People also constantly post gigs there such as:Not all the gigs will be good, but some will.In the beginning you will have to scrape together gigs, but if you start putting all your work inside a simple portfolio, you can gain some steam. Which brings me to :Make a Simple Copywriting Portfolio!Ok, listen to me carefully young buck:You DO NOT NEED a fancy website. In fact, I’ve never never ever seen someone get a copywriting gig directly from their portfolio. EVER!!The reason is: people are looking to hire you based on your skills at copywriting. Not “how fancy your website looks.” This is a common mistake. Look how crappy my copywriting consults page is. That page generates huge returns even though it sucks super bad. The desire to buy is created from previous exposure to me, NOT the way the page looks.People will spend months and lots of money and time on a fancy website, only to realize NO ONE IS COMING TO IT. The only people going there are the people they meet directly and tell to go there.The best type of copywriting portfolio is a simple page with the following elements:Your name.Your expertise (Social Media? Landing Pages? A/B Testing?).A few examples of your work.How they can book a session with you.I know it sounds counterintuitive, but some of the best copywriting pages I’ve EVER SEEN are super simple one’s like this:See how simple that is?It also only leaves them ONE option of what to do next, and that’s to book a session with you.These sessions should generally be a minimum of $100.If a client is not willing to pay at least $100 for a consultation session where you point out everything wrong with their page, they are NOT going to buy anyways.My minimum consultation session is $597 now. And I’ve learned the hard way that if people are not willing to pay it, they are not going to be willing to pay you more (or they just simply can’t afford it).Oddly enough, the more I charge for each hour session, the more respect and compliance I get from the client! They want to make SURE they get their money out of that session , so they ensure they show up on time and show up prepared.I would personally avoid doing free sessions. Because what generally happens is:1.) Everyone gets excited about working together.2.) You setup a meeting with this “prospective client”.3.) You prepare for the meeting and draw up a proposal.4.) You talk with the client and tell them what you’re going to do for them.5.) They tell you “let’s talk again soon after I run this by my boss.”6.) You never talk again…..and all that time was wasted.7.) You become sad and poor :-(To get people taking you seriously, you need to charge them for your time. If they decide to go for a full contract with you, then you can comp them the hour long session. However if they don’t go with you, at least you still get paid.Charging people for your time is a sure-fire way to get them to value your services.Every single successful freelance copywriter I know ALWAYS charges for their time.Some Copywriting Books for you to read:I’ve read a helluva lot of copywriting books, and these are the one’s I recommend you read to get off to a great start:BOOK 1.) Read The Gary Halbert Letters (Free) Start by reading “The Boron Letters”. Make sure you print each chapter out for maximum effect!Ch 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21, 22, 23, 24, 25You can also buy The Boron Letters directly from Amazon.BOOK 2.) If you want a book that sits on your desk and can re-cap this kourse quickly, then grab my book called “This Book Will Teach You How To Write Better” from Amazon.BOOK 3.) Read Advertising Secrets of the Written Word by Joseph Sugarman. This book usually costs in the $30 range, but is one of my go-to books for ideas on how to position copy. Almost every successful kopywriter will know this book.BOOK 4.) Also, check out Ogilvy on Advertising by David Ogilvy (great for traditional advertising advice as well)Your Next Steps To Becoming A Copywriter:I showed above in this post some good things to do first:Read the copywriting books I recommended above.Making a simple copywriting portfolio.Put yourself out there.Well my young friend, I hope this answers your question!-N

As many of you know, I was homeless when I was younger. Life on the streets is hard, harder than you can possibly imagine.The first night was terrifying. I knew I was going to die. I knew I was going to get stabbed by other homeless people for my boots and sleeping bag, and God forbid they discover I had £38 in cash, they would probably slit my throat for that. I was going to get AIDS and I was going to die. It was a certainty.The first time I came across a group of homeless people that night was when I tried to find a place to sleep in an abandoned building. One happened to see me trying to climb through a broken window and told me it was a bad idea. That's where the prostitutes took their punters, and where the local heroin dealers plied their trade. I had no idea about any of this stuff, so I was glad of the advice.The person who told me to stay away from that building told me he and a few other homeless guys had a place in the park nearby and I could come along if I wanted. I knew the park and knew it was open on all sides, so I could get away if anything went sideways, so figured I had nothing to lose.Those guys asked me what happened to make me homeless. I told them exactly what my landlord did. I think they took pity on me as they could see I was scared, and let me know what to expect. I discovered how to apply for council housing, where the nearest soup van was and how often it turned up. They told me where I could find food and some of the things they found useful to survive. They were really nice people, and that surprised me. I didn't feel threatened in their presence, but wasn't ready to stay with them.Let me tell you, that first night was petrifying. Every noise was a threat. Every shadow a murderer. It was the start of the coldest winter on UK record at that time and believe me, I felt every bit of it. I was alone in the world. I was cold and I was scared. I'm not ashamed to admit I cried my eyes out that night and didn't sleep a single second. It was the longest night of my life.Early the next morning I got out of my sleeping bag and packed it away. I had a steely determination to sort everything out. I had been told what to do, I was intelligent and I could figure this out. I wasn't going to to spend another night on the riverbank.Number one on my list was to get a council flat. All I had to do was visit the housing office, declare myself homeless and sign some forms. Surely they could understand that I was young, naïve and desperately vulnerable. It should be enough to get me to the top of the list, or at least into emergency accommodation. Well first I had to find the housing office. I never needed to go there before so I had no idea where it was. Luckily there is a council advice centre in the local shopping centre. I went there, made a quick enquiry and walked to the next town to start the process of getting myself somewhere else to live.I decided on my way there I was going to speak to the police after I had finished at the housing office. I knew they couldn't do anything about the illegal eviction as it was a civil matter, but they would be able to punish my landlord and his mate for threatening me with extreme violence if I didn't leave immediately.I got to the housing office around mid afternoon. It took me a while to find it as I hadn't really been to the next town over much before. Walking in, I took a ticket from the machine on the front desk and waited my turn. I was called up to a private booth within a few hours. I didn't mind the wait as I knew I would get some keys at the end of it.The housing officer asked me loads of questions and gave me stacks of forms to fill out. It took ages. Eventually I was called back to a booth where a different officer looked over everything. He asked me why I left my previous home. I gave him all the details. All he was interested in was that I had left voluntarily. If you make yourself intentionally homeless, regardless of the circumstance, you go straight to the bottom of the list. I tried to plead with him and told him exactly what my landlord said, and how he acted. This guy was huge. Six foot four of bad tempered agressive muscle. I was a 9.5 stone weakling. I am not exaggerating when I say that one punch from this man could easily have killed me. The housing officer didn't care about that. All he kept telling me was that what I was alleging to have happened was illegal and landlords can't evict people without notice, so obviously I had done something wrong to warrant it. I hadn't. I rarely ever spoke to my landlord, and had been paying my rent in full, on time every month. I had never been so much as a day late.I asked to speak to another housing officer as I knew I wasn't getting anywhere with this one. A woman came and sat in front of me and asked me all the same questions, but seemed more willing to listen to me. She said there were other criteria for immediate assistance I might meet so reeled off a few more questions. Was I a drug addict seeking rehab? No. Was I dependent on alcohol? No. Was I disabled or mentally ill? No. Was I an ex offender? No. I didn't fit any profile which mattered. The council had discharged their duty of care by adding me to the waiting list and there was nothing else I could do.Dejected, but more determined than ever to get revenge on my landlord for what he did, I went to the police station next. I told a constable what has transpired and that I wanted to press charges. He didn't care either. The threats, whilst illegal, came down to his word against mine. He was a successful landlord who had evicted me for some reason, I was a homeless guy with a grudge. It was obvious the police were not taking my side and I was wasting my time.I went back to the riverbank.The next morning I met up with the guys from the park. I told them what had happened and they said they weren't surprised. I asked for some more advice. I don't remember what they told me, but I do remember it didn't help.I picked up a free newspaper from one of the stands in the town on my way back from the park to the riverbank. It mentioned that the winter shelter was reopening soon and gave it's address. I was there the day it opened but was already too late, all the rooms were gone. I went there every day for 2 weeks trying to get a room, and eventually got lucky. They had a zero tolerance policy towards drugs and one of the residents had been caught with syringes. He was being kicked out as I arrived. I took his room and stayed there for a week before I was evicted for some made up reason I don't remember.I went back to my friends in the park, but none of them believed I had gotten a room there as they were so difficult to get.A few weeks later, one of the big hospitals in my town closed down for a complete refurbishment. I saw it as a way to move off of the riverbank to somewhere inside. I scoped out the hospital and decided against trying to to sleep inside the main building as I could be found by the workmen and thrown off site. I looked at the external lab buildings but they were either being demolished or had big alarm boxes on the outside. Eventually, at the very far end of the site, I saw what was to become my home for the next several months. It was an abandoned brick shed. It was full to the ceiling with empty cardboard boxes, but best of all, the door could be secured from the inside. I had a roof over my head, it was dry and it was lockable. I made a tunnel through the boxes to the wall furthest from the door and made a little den. There was just enough room for me to sit up in one direction, and lie flat in another. If I was quiet, no one would know I was there.I needed to make it comfortable. I used several thick cardboard boxes to insulate me from the bare concrete base, and took a load of hospital bedding out of a skip on site one evening when the workers had gone home. Piled on top of the cardboard, it was quite comfortable. I already had a sleeping bag, so I slept on top of the sheets in that.That shed probably saved my life.I mentioned the soup kitchen van which came once or twice a week. Well sometimes it didn't come at all. I was already eating out of bins, but I needed that soup as it was the only warm food I could get. Eventually it's funding must have dried up as it stopped coming to altogether. I had also been careless in allowing myself to be seen taking food out of a bin at the back of a bakery, and the bin was locked away. That was the end of the food. I didn't eat for nearly 2 weeks.Something people don't tell you about real hunger is the pain. Being hungry hurts. Being hungry can make you hallucinate. You can die of hunger with a full meal in front of you as you are too weak to eat it. I came very close to starving to death.Someone told me the salvation army give out food, all you have to do is ask. I made my way to the nearest Sally army church and waited until the service was over before asking to see the vicar. He took me to the kitchen and filled a carrier bag with food. I was too dilerious to notice he had given me a frozen loaf of bread and a load of tins I couldn't open as I didn't have a can opener. What it did have was some fruit, a few slices of ham and some biscuits. That carrier bag of food lasted 3 weeks.I was having a conversation with one of the other homeless guys I knew and he told me that the council didn't just offer their own properties, they offered a service to private landlords too. This was later confirmed in a story in one of the free local newspapers, which also mentioned that the council didn't take all the properties offered, despite having a deficit, as they didn't consider some of the accomodation to be suitable. I suddenly had a new mission.I started waking up early, so I could make my way to the housing office and be first in line every day. I stayed there all day,every day for several weeks until I had a lucky break. A middle aged lady came in and I heard her say to the person on the front desk she had some bedsits to offer. They ended up not being suitable, but while she was waiting I struck up a conversation with her. I told her why I was there and what happened to make me homeless. I persuaded her to give me a chance and we filled out the housing benefit forms there and then. She gave me a lift to her bedsits and showed me inside.As I now had an address, on the way to the bedsits we stopped at the benefits agency so I could register for income support. It would be a few days until I received my first payment.As I had not taken off my clothes in many months, I was desperate for a bath. I had to wait a few days as there was no way I was putting my dirty clothes on again. I slept on the floor as I didn't want to get the bed dirty.Once my first payment arrived, I went shopping. I bought fresh socks and pants, a new pair of jeans and a new t-shirt. I also bought the cheapest shampoo and toothpaste they had. I went home, sat in that bath for hours and fell asleep in a warm, comfortable bed for the first time in months. The next morning I put on my fresh clothes and haven't looked back since.

Yes, you have to apply separately for both the posts!You can apply here for Railway Group D: RRB Group D Recruitment 2018: Exam Date, Apply Online, Vacancy, SyllabusYou can apply here for Loco Pilot: - Railway Recritment BoardGood Luck!

Yes, each plan is independently owned by the policy holder, even when under the same case number.If this policy is through your employer, you do not have to personally cancel it; they just have to zero you out of their next invoice.If this is a direct policy, I'd encourage you to signNow out to the agent who enrolled you for assistance in the paperwork side of things, as the process can be a little confusing.As a representative, I hope you change your mind about canceling. These days no one can afford to not be protected against financial fallout from injury or illness.

Open the Control Panel on the Start Menu. Click the Windows icon on the Toolbar, and then click the widget icon for Settings. Start typing 'group policy' or 'credit' and click the option to 'Edit Group Policy.

The hospital should have also been billing you and contacting you about this within 30 days of your date of service. Most hEvalth insurance companies will process a claim submitted up to and between 6 months and a year.

Click “Claims Center,” then “Submit claims” Complete your claim online. Copy, scan and upload your supporting documents, including itemized bills, original receipts. Click “submit claim” to complete the process.

The form provides information about your insurance policy, your premiums (the cost you pay for insurance), any advance payment of premium tax credit and the people in your household covered by the policy. Insurance companies in hEvalth care exchanges provide you with the 1095-A form.

The main difference is (1) who sends the form to you and (2) the purpose of the form. Your employer is responsible for providing you a Form 1095-C. ... \u2013 You may receive a Form 1095-B if you were enrolled in insurance coverage obtained through an employer-sponsored plan or if you obtained an individual policy.