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GEICO sent us a letter a short while back that they applied to the state insurance commissioner for permission to raise rates 23%. Looks like they got it. I will also be switching away from them.

What if tuition breaks were not breaks, but rather deferments, that you paid off with monthly contributions to the school even after your kids were out? This way there’d be a revenue stream that’s not dependant the on current enrollment of the school. This could be modified by each persons financial situation, such as a taper off towards the end of the obligation. So for example: you have 3 kids in school at 10k each (just an arbitrary number for now, but remember, you wouldnt have these 18k tuitions with funds still coming in from families whose kids have graduated) your obligation is 30k a year for the next 10 years. (I know, at some point one or more kids has left thus screwing up the math a bit, but for simplicitys sake, let’s just use this base number for 10 years.) So you can afford 15k a year paid in 10, $1500 installments over the year,but the other 15k is deferred. After 10 years, you’ve accrued a debt of 150k, which if you continue to pay at $1500 a month (like you’ve been able to do all along) you’ll knock it out in another 10 years (or 8 if you make a payment for all 12 months in a year). Just a thought, what do you think? Of course, the real math is more complicated. This is just a 3am musing…..

“… or if you eat at non-certified vegetarian or non-meat restaurants”

And your fragmented thought is implying what exactly? I’m kidding, I’m well aware of what you’re implying. You’re trying to use the far left of observance of MO to be the rule for the whole. And it’s a feeble attempt, and it’s not relevant to the conversation, because the super majority of the Jewish population in those towns are NOT far left in observance. In fact there has been and continues to be a steady march to the right for many years now. So, back to actual topic at hand (and brushing aside the prob mechilah you have to ask of thousands of fully frum jews) the communities I have listed would fit very well with what the OP indicated was his desired neighborhood.

Joseph, are we reading the same post??

“I’m a former yeshiva guy, and have been working for several years. I would be considered more ‘balebatish’ by most people. For example, I would technically wear clothes other than black pants and white shirts, go to movies occasionally, let my kids watch movies”

Those towns are EXACTLY what he is looking for. (While Teaneck proper IS expensive, its surrounding neighbors in the “Teaneck community” are not).

As for this statement “Teaneck and the other towns in that comment are thorough and through MO, something the OP isn’t seeking”

Thats through and through wrong. You clearly havent spent any significant amount of time in these areas. And again with the throwing out of “MO” as a pejorative.
yoyo, spend a shabbos in the towns I listed, you wont be disappointed and youll meet some really great people.

Edison? Elizabeth? Clifton? Passaic? Teaneck? Hillside? Linden?

@Chatzer

Does anyone ever really announce V2 speeds even when its nogeah…….?

Agree 1000%

Robots??? Feh! I want my flying car!! Or at the very least my personal jet pack!!

Joseph, apparently, they have wide and varied choices from where to hear “no”…..

Who’s going to bring me a sandwich faster, the Zionists or the Yeshivas?

Klug…..you are hilarious 😂. And your assessment of Health is spot on!!

You so missed my point – my Blinding Hate was because I DID use them!

if you need medical care, the sooner you get it – the better.” Hatzola in most cases is Not Medical Care. There are exceptions to every rule

How could you say Flatbush Hatzola when I wasn’t talking about them? I posted many times where I live! And it’s Not Flatbush!

I’m sorry…..you are absolutely unhinged. There is no point in continuing this conversation. You are an internet Troll who revels in controversy. You come on a forum and extrapolate YOUR tiny experience with your local Hatzolah on to the whole organization. Don’t deny it, that what you were trying to do. I now remember where you are. Folks, we can safely ignore this guy. He can stare at his wall at his “three medical degrees” . Medic, EKG tech, and Phlebotomist. All not “degrees” btw. I’m so done…….

So many comments to address…can’t quote them all. But suffice it to say the following:

1) Health, your experience with Hatzolah was terribly unfortunate. None of us know the circumstances so in truth we can’t ever REALLY know what happened. What we DO know is that many thousands of people have been helped selflessly by competent friends/neighbors/strangers who dropped what they were doing to help us/our families out. Unfortunate circumstances and cases does not undo that. Consider the famous case of the unfortunate FF so many years ago who had an undetected, Hatzolah performed,
esophageal intubation (I think that’s what it was) who ended up dying. Terrible, yes. Still doesn’t undo the years worth of help they’ve provided pre and post incident.

2) Given the admittedly fraction of calls that you’re privy to, in which there was a bad outcome, does not reflect on the general competency of an organization that’s many hundreds strong. Even if we feel that bad outcome was the result of what we perceive as negligence or carelessness. The statistical numbers simply don’t allow for that.

3) There is a percieved notion that somehow volunteers are “less” than their paid cohorts. As you well know, the initial educational requirements are the same for both camps, as are the recert requirements. And don’t think for even a second that paid servicemembers spend even an iota of time more than the minimum required on CME activities. They don’t. As of now, I am unaware of any studies regarding the competence of paid vs volunteer.

4) In my experience, no one will ever care for you as much as your friends, neighbors, and “landsman”. I’m not putting down the muni’s, but some guy from some town, 150 miles away, riding a truck in the city….simply doesn’t have the same urgency in his step as your neighbor does. This is not a “Jewish” thing, I’ve seen this repeated over and over in paid services around the country. Local volunteers always seem to have a sense of urgency (sorry for the double use of the word) when they are caring for people of their locality. It’s a natural instinct. I want to make clear though, I do believe that many many EMS pros are caring and competent techs, I just think it comes more naturally when you do it for your own locale.

5) As I’ve stated before, the rate of incompetence (IMHO and agreed to by you) is pretty stable throughout all EMS agencies. And whether you’ve witnessed it or not, Hatzolah has pretty much the same remediation scheme and disciplinary processes as other agencies. Do bad eggs get through….yeah, same as EMS. Do some folks pull “protektzia” …..maybe. I’m not particularly ware of any cases, despite having been around way too long for my own good. And if it is happening…..once again, same as in EMS. I know the Chief, the borough commander…..the lieutenant……its exactly the same.

6) The age of the internet has made knowledge extremely accessible. One can have information immediately available, that previously took years of study and understanding. So just a small piece of advice, no matter what type of practitioner you are, or claim to be, Cutting and pasting chunks of medical info from websites is a poor way to bolster your point in an argument because even at the very best, it still undermines your perceived authenticity. At worst, it makes you seem a common liar.

As an aside, I am curious. If paid services, or muni’s should be trusted more because of their call volume and/or experience, and options for recourse…..why go to bat for EN? [Mind you, my PERSONAL feeling is that they should’ve been incorporated into Hatzolah (for logistical reasons), and if not, I have no problem with them being an independent agency either.] EN doesn’t (or wont) have the same percieved problems as Hatzolah?

Stop with your misleading

Further proving your Internet Doctor status….. and the perils of following distilled medical websites. You’re not even smart enough to follow up on direct sources. Like a 5th grade bochur who thinks he knows Shas because he learned one seif choshen mishpat. From an artscroll. And trolls e-daf to cut and paste responses that he doesnt understand thus reinforcing his amateur status. And as you love to say…..Stop with your lying, you are not a practitioner of anything. You’re a mediocre medic with an enormous Napoleon complex because you went to nursing school and maybe got some certification within nursing. Maybe CCRN or CEN. Which are not additional “degrees”. I feel bad for your patientz a d coworkers, they have no idea of what a nudnick poser they’ve trusted with their care.

PS: Do some more research. I’ll even give you a hint. Try The Lancet where the (non anecdotal) randomized controlled trial was published, or NCBI, or PubMed. I’ll bet You didn’t even know what the disorder was till you googled it. Laughable.

2scents: both very good answers, but there is one more thats very off label. I’ll wait to see what Health comes up with… tee hee…

From Medscape:

HAHAHAHA That says it all!!! Perhaps you should refer to a non-consumer oriented medical journal such as Chest….. or the AAP guidelines….or the ACCP guidelines!!!! HAHAHAHA Medscape!!! You crack me up Now you’ve proven you’re a total fraud. A cut and paste web doctor!!! You go ahead and follow “medscape” for your prescribing guidelines…… Hahahaha!!!!! And get a good lawyer while youre at it….youre gonna need one!!! Medscape…….that is teriffic!!!! LOL!!!! And the best part is…….you’ve embarrassed yourself!! I didn’t even have to participate. LOL hahah….. Guy can barely understand an ABG and uses Medscape as a clinical resource….. Hey, how about using Goop (Gwenyth Paltrow’s demented health site) as a clinical resource……..

Hey, since we’re trading medical questions, how about this: what’s the lowest occurring off label use for Albuterol? I’ll give you a hint…..the answer is probably somewhere online. Hahahahah But I’d actually be impressed at your Googling skills if you find it.

Medscape……..sigh…….

And as this conversation has taken it’s predictable turn and is now devolving …..I will bow to Mishlei’s wisdom. Perek 26 pasuk 4.

what do you know about EMS? You’re an eye doc?!?

I would love to be an ophthalmologist, they’re well paid. But as predicted in my earlier comment, you have strayed from direct, on topic answers, and have devolved into reflexive defensive mocking and insults. Which really leaves us at the conclusion that: you have some personal bias against Hatzolah that colors your outlook. And having that bias is ok, as long as you’re intellectually honest with yourself and own up to it and not try to clothe it with an air of respectability and authority.

“That’s where I disagree! In the case I just mentioned, the Goyim would get rid of them & maybe other consequenses.”

And how would you know this? Are you a QA/QI manager? Do you run an EMS agency? You are welcome to disagree with facts and statistics, but it certainly doesn’t paint you in a rational light

“And I know of other cases where your group….”
My “group”? And what group would that be? Jews? Bodybuilders? Vegetarians? Ah….yes I am being facetious…you mean Hatzolah members, but I am not one.

“caused death – first hand knowledge”

Well if you witnessed mal, mis, or nonfeasence , then you have a moral and ethical imperative to report that. Otherwise you are complicit. But I’m going to go out on a limb and surmise that you don’t have any real information to share as you probably didn’t witness anything, or if you did, didn’t understand the nature of what was being done. Though you will certainly answer me that “I have more medical knowledge than you, and etc etc etc…..” which is unlikely.

“only case of termination that I heard….”

And therein lies the problem. You believe that if YOU didn’t hear of it….it must not have happened, or was some sort of cover up. Well, I am personally aware of ramifications to members who were found clinically (or morally) lacking. I think this is simply just a case of “not enough information” on your part. As you’ve said….you were never a member.

This thread is amusing. Having participated in almost every aspect of pre-hospital care, public, private, and volunteer, I can safely say the rate of incompetence amongst all agencies is pretty constant despite Health’s assertions that Hatzolah is some sort of “idiot magnet” for incompetent personnel. IMHO, “The lady doth protest too much, methinks”