#American health insurance is totally a scam

[scavengerssuccotash]

As someone who works for the hospital’s billing ☝️☝️everything this person said is correct! Peer to peer reviews are a great way to get your claims accepted. I once came across a claim where an insurance denied because the person didn’t bleed enough internally to meet an inpatient stay. Can’t remember the insurance carrier, but I would bet my bottom dollar it’s either UHC or CIGNA.

Hey did you know this is happening with Cigna too?

AI isn’t coming for your healthcare.

It’s already here.

UnitedHealthcare, the largest health insurance company in the US, is allegedly using a deeply flawed AI algorithm to override doctors' judgments and wrongfully deny critical health coverage to elderly patients. This has resulted in patients being kicked out of rehabilitation programs and care facilities far too early, forcing them to drain their life savings to obtain needed care that should be covered under their government-funded Medicare Advantage Plan.

It's not just flawed, it's flawed in UnitedHealthcare's favor.

That's not a flaw... that's fraud.

[sleepynegress]

THIS ISN'T COMMON KNOWLEDGE BUT SHOULD BE...ABOUT MEDICAID....

If you ever find yourself in the position of living in the home of a parent who is disabled and requires full-time care and you are their primary caregiver for at least 2 years, and they intend to leave their assets to you after they pass, make sure to transfer ownership of their assets, home/land in your name ASAP...or they will require you to pay back any benefits received and claim those assets even out from under you, as soon as your loved one passes. This is yet another way that generational assets /wealth are easily taken out of marginalized communities. It is a loan.

And the sharks circle as soon as your loved one passes. Here's an article about it:

Decided to add context. I don't like to talk about it here, because ehh, social media is for my vapid entertainment thoughts for me. It's a hobby/getaway/ place to get semi-social with strangers and online friends with shared interests, but I don't want anyone else to go through what I am... Of course, this applies specifically to the U.S.'s broken healthcare system. So, for those who don't know, my mom passed recently. I am an only child with no siblings or children. My whole life during that time was 24/7 care. She had insurance, but it wasn't enough to cover everything that she needed, so Medicaid was the obvious solution, right? The government takes care of our disabled elderly who have worked until retirement, right? It seemed like the routine thing to do, I had never heard anything during the process about having to pay it back,but sure enough, less than 12 weeks after her passing, I was hit with a warning (which I followed up on and was told I would NOT be charged because of my caregiver status) and then 2 weeks later the "bill". The lady I spoke to, totally changed her attitude from the first time I spoke to her to the point where I felt scammed. Out came a patronizing voice certain people use with children, that measured whiny thing (it's always a red-flag to me and makes me instantly dislike you if you do this even with kids, btw... speak to kids like PEOPLE). I feel like an idiot. I have been doing this for over a decade and didn't think to transfer any assets of hers during that time because it *was* hers. I wanted her to feel as empowered about that as possible.

Not a single soul said I should transfer those assets to keep this from happening and now I'm facing down what feels like some kind of weird conspiracy to take the land and house.

FYI, there have been weird inquiries, the census came to mark down my mother's death literally *immediately* after she passed...and odd timing called the day of the notice to "help", with all the southern Christian signifiers (bless your heart we'll be praying for you).... It feels so seedy. Anyway, all this to say if you find yourself in a similar position....

TRANSFER THOSE ASSETS INTO YOUR NAME 2 years into caregiving or they will take them from you, house etc..

[misfitwashere]

If You Don't Know Medicare Advantage Is a Scam, You're Not Paying Attention

We’re on the edge of the open enrollment period for Medicare, and the Advantage scammers will be carpet-bombing America with advertisements over the next few months. Don't be fooled about what it is—and who is profiting.

Thom Hartmann

Oct 07, 2023

Common Dreams

President George W. Bush and Republicans (and a handful of on-the-take Democrats) in Congress created the Medicare Advantage scam in 2003 as a way of routing hundreds of billions of taxpayer dollars into the pockets of for-profit insurance companies.

Those companies, and their executives, then recycle some of that profit back into politicians’ pockets via the Citizens United legalized bribery loophole created by five corrupt Republicans on the Supreme Court.

Just the overcharges happening right now in that scam are costing Americans over $140 billion a year: more than the entire budget for the Medicare Part B or Part D programs. These ripoffs — that our federal government seems to have no interest in stopping — are draining the Medicare trust fund while ensnaring gullible seniors in private insurance programs where they’re often denied life-saving care.

Real Medicare pays bills when they’re presented. Medicare Advantage insurance companies, on the other hand, get a fixed dollar amount every year for each of the people enrolled in their programs, regardless of how much they spent on each customer.

As a result, Medicare Advantage programs make the greatest profits for their CEOs and shareholders when they actively refuse to pay for care, something that happens frequently. It’s a safe bet that nearly 100 percent of the people who sign up for Advantage programs don’t know this and don’t have any idea how badly screwed they could be if they get seriously ill.

Not only that, when people do figure out they’ve been duped and try to get back on real Medicare, the same insurance companies often punish them by refusing to write Medigap plans (that fill in the 20% hole in real Medicare). They can’t do that when you first sign up when you turn 65, but if you “leave” real Medicare for privatized Medicare Advantage, it can be damn hard to get back on it.

The doctors’ group Physicians for a National Health Program (PNHP) just published a shocking report on the extent of the Medicare Advantage ripoffs — both to individual customers and to Medicare itself — that every American should know about.

The report, titled Our Payments, Their Profits, opens with this shocking exposé:

“By our estimate, and based on 2022 spending, Medicare Advantage overcharges taxpayers by a minimum of 22% or $88 billion per year, and potentially by up to 35% or $140 billion. By comparison, Part B premiums in 2022 totaled approximately $131 billion, and overall federal spending on Part D drug benefits cost approximately $126 billion. Either of these — or other crucial aspects of Medicare and Medicaid — could be funded entirely by eliminating overcharges in the Medicare Advantage program. “Medicare Advantage, also known as MA or Medicare Part C, is a privately administered insurance program that uses a capitated payment structure, as opposed to the fee-for-service (FFS) structure of Traditional Medicare or TM. Instead of paying directly for the health care of beneficiaries, the federal government gives a lump sum of money to a third party (generally a commercial insurer) to ‘manage’ patient care.”

With real Medicare and a Medigap plan, you talk with your physician or hospital and decide on your treatment, they bill Medicare, and you never see or hear about the bill. There is nobody between you and your physician or hospital and Medicare only goes after the payment they’ve made if they sniff out a fraud.

With Medicare Advantage, on the other hand, your insurance company gets a lump-sum payment from Medicare every year and keeps the difference between what they get and what they pay out. They then insert themselves between you and your doctor or hospital to avoid paying for whatever they can.

Whatever you decide on regarding treatment, many Advantage insurance company will regularly second-guess and do everything they can to intimidate you into paying yourself out-of-pocket. Often, they simply refuse payment and wait for you to file a complaint against them; for people seriously ill the cumbersome “appeals” process is often more than they can handle.

As a result, hospitals and doctor groups across the nation are beginning to refuse to take Medicare Advantage patients. California-based Scripps Health, for example, cares for around 30,000 people on Medicare Advantage and recently notified all of them that Scripps will no longer offer medical services to them unless they pay out-of-pocket or revert back to real Medicare.

They made this decision because over $75 million worth of services and procedures their physicians had recommended to their patients were turned down by Medicare Advantage insurance companies. In many cases, Scripps had already provided the care and is now stuck with the bills that the Advantage companies refuse to pay.

Scripps CEO Chris Van Gorder told MedPage Today:

“We are a patient care organization and not a patient denial organization and, in many ways, the model of managed care has always been about denying or delaying care – at least economically. That is why denials, [prior] authorizations and administrative processes have become a very big issue for physicians and hospitals...”

Similarly, the Mayo Clinic has warned its customers in Florida and Arizona that they won’t accept Medicare Advantage any more, either. Increasing numbers of physician groups and hospitals are simply over being ripped off by Advantage insurance companies.

Not only is the Medicare Advantage scam a screw job for healthcare providers and people who are on the programs and are unfortunate enough to get sick, it’s also preventing Americans from getting expanded benefits from real Medicare.

As the PNHP report notes, for real Medicare to provide comprehensive vision, dental, and hearing benefits to all Medicare recipients would cost the system around $84 billion a year, according to the Congressional Budget Office.

Instead, though, the Medicare system is burdened with at least that amount of money in over-payments to Medicare Advantage providers — over-payments that have no health benefit whatsoever and merely inflate the companies’ profits.

A hundred billion dollars in excess profits can be put to a lot of uses, and the health insurance industry is quite good at it. The former CEO of UnitedHealth, “Dollar” Bill McGuire, for example, made off with over $1.5 billion dollars for his efforts.

And, because five corrupt Republicans on the Supreme Court legalized political bribery with their Citizens United decision, some of these companies allocate millions every year (a mere drop in the bucket) to pay off loyal members of Congress and to dangle high-paying future jobs to high-level employees of CMS who have the power to keep the gravy train going and thwart prosecutions.

As PNHP noted:

“Medicare Advantage is just another example of the endless greed of the insurance industry poisoning American health care, siphoning money from vulnerable patients while delaying and denying necessary and often life-saving treatment. While there is obvious reason to fix these issues in MA and to expand Traditional Medicare for the sake of all beneficiaries, the deep structural problems with our health care system will only be fixed when we achieve improved Medicare for All.”

We’re on the edge of the open enrollment period for Medicare, and the Advantage scammers will be carpet-bombing America with advertisements over the next few months. Representatives Pocan, Khanna, and Schakowsky have introduced the “Save Medicare Act” that would ban Advantage companies from using the word Medicare in their advertising.

They made a video about it that’s well worth sharing with friends and family:

As Schakowsky, Khanna, and Pocan note, “Only Medicare is Medicare.” Don’t be fooled by the Medicare Advantage scam.

And now that you know, pass it on and save somebody else’s health!

[scrumptiouswordsthings]

this is nothing new to americans but i need to scream into the void a little about how fucking awful and inhumane american medical insurance is with its black and white considerations of what is preventative vs diagnostic and then deductibles - like, oh? you have to get this test done every set number of years to check on your heart because you have whacked up medical issues? okay! that is diagnostic even though it is preventative measure because they are looking for something ignore the reason you're getting it done. ignore that. just because it is a preventative measure doesn't mean it is a preventative test and oh, would you look at that??? diagnostic tests aren't covered like preventative ones are. you owe us lots of money for checking to make sure you aren't going to just keel over from your heart problems

yes, i've been dealing with this for years. no, i am not surprised. yes, it causes me a fresh flury of fucking fury every. goddamn. time.

IT ISN'T EVEN CONSISTENT BILLING! (one year it was $87 and i wept because most years it is well over $1K out of pocket) and like, i am not made of money world. i am not. i cannot be shaken down for things i do not have. so yay months of payment plans and more months of payment plans and the oh so helpful advice to try putting it off until i've reached my deductible so insurance will cover more

thanks. your faith in my poor health is totally appreciated (if probably absolutely valid)

so yeah

american health insurance is a scam i am required to buy into if i don't want to die and i hate it

[raspberryconverse]

So back in January, Lola got an infected toe (see footnote on this entry). We thought she fell in one of Mable's holes, but the x-ray didn't show any broken bones, but it was an infection, not a tumor because it responded very well to antibiotics. After the $800 visit (which my spouse actually paid for, even though Lola is my dog, because I didn't have that much in savings*), my spouse suggested we get pet insurance for her. She's old (10½), so it'd be better to get her covered now before her health starts to decline because of age.

Well, that was a total crapshoot.

First off, the insurance company found in one of her vet records that she was an American Staffordshire Terrier and determined that meant she was not, in fact, a mixed breed dog (even though she totally is and is actually only 23% AmStaff) and they decided to raise the premium on her policy by about 50% unless I get the vet to send a letter saying that she's not (there was also a miscommunication because my spouse talked to the vet about it because phone anxiety and offered to write it and just have them sign and fax it over, but I didn't know my spouse was expecting me to do it because they said "we" have to write the letter). Now, I got an email saying they did a review of her vet records and are basically not going to cover a whole bunch of shit, including anything dental related because she has tartar buildup. So IDEK what I'm paying $150 a month for now.

I didn't even want to do the insurance thing in the first place because they tend to be expensive and not cover anything worthwhile, but I trusted my spouse and signed up for the plan they found. Now that I've found out it isn't going to cover anything, I've wasted at least $500 on premiums that could have gone to more important things. My spouse pulled their typical, "It's all my fault, I'm a bad person" deflection they always do when I get mad about something they did/said and that sent me off the deep end. I really lost my shit after that. Like hysterical sobbing.

But here's the kicker: I was eating lunch at the table and my spouse asks if I took my medicine today.

Oh, fuck no.

I can't even begin to go into how fucking insulting that question was. Like, I'm upset, so I must have forgotten to take my medication, right? You've got to be fucking kidding me.

"Well, I was just trying to make sure you were ok."

"No, I'm not fucking ok! I haven't been ok for a long time and I can't fucking doing anything about it because I can't get my fucking blood pressure under control!"

God, I really fucking hate myself.

Oh, and my spouse also offered to give me the money I spent on premiums for this shit insurance, but that doesn't fucking help with anything because it's still money lost. At the end of the day, it's still money that went to a scam of a company and no towards, IDK, a new screen door or something. Whether it came out of my account or my spouse's is irrelevant because we're supposed to be a team. I mean, my spouse's bonus is going towards stuff we need for the house. They don't have to spend it on that, but they're going to. So whether I paid it or my spouse did just doesn't matter because we still need to try to use both our incomes to pay for things that need to be done. Money I lost is still money that could have been put elsewhere.

*I also have my Petco credit card as the main payment method on our rewards account, so I actually had at least $800 put on my card towards cat food and litter in the last year without my spouse reimbursing me for it, so we determined we're even when it comes to that. Basically, Lola is my dog, Meeah is my spouse's cat and Mable is both of our responsibility. I got Lola before I met my spouse and I never wanted a cat, but Mable was a joint decision. Plus, we don't have all our money go into our joint accounts to allow us autonomy, but we do both throw extra money in there if we need it for something.

[carrs-universe-writes]

Can you do a like Kofi campaign or something to help pay for top surgery? Idk how much it would make but it might help?

Anon, I know you mean well and I appreciate the idea. It crossed my mind, trust me. But it also brings up so many issues I have with the American Healthcare industry and the insurance industry.

I totally understand what you mean and if I did do that I would appreciate everyone so much and I get why some people do go that route.

But no one should have to.

I shouldn't have to rely on strangers on the internet to help me pay for, what as far as I'm concerned, is a necessary medical procedure. That's what I have fucking health insurance for, isn't it? The fact that they get to pick and choose what is necessary for me and I just have to deal with it is bullshit.

But I could rant about the Healthcare industry and the scam that is health insurance for hours. This is just something that I unfortunately have to find a solution to and I'm just exhausted with the whole thing at this point.

[toshootforthestars]

From the report by Beth Mole, posted 19 July 2021:

Fully vaccinated people are largely protected from delta; the current vaccines are still highly effective against developing COVID-19 from delta and other variants of concern. Though a small proportion of people can develop so-called “breakthrough infections,” those infections will mostly be asymptomatic or mild. But, unvaccinated people are completely vulnerable. Moreover, those who have received only one dose of a two-dose vaccine or have only recovered from COVID-19 are not much better off than those who are completely unvaccinated.

But according to new polling data from CBS News, a new wave of vaccinations seems unlikely. Among unvaccinated and partly vaccinated people, only 48% said they are concerned about delta. Among fully vaccinated people, 72% reported being concerned about the variant.

Despite the fact that the current COVID-19 vaccines have proven highly effective and safe, 53% of those who are unvaccinated or partly vaccinated said in the poll that they are concerned about side effects. 50% of the group cited a lack of trust in the government as a reason not to get vaccinated. And 45% said they don’t trust the science. All of these percentages are higher than they have been in earlier polls, indicating that these anti-vaccine sentiments are hardening among the unvaccinated.

Some unvaccinated people who may be more persuadable have said they are waiting for the vaccines to receive full approval from the Food and Drug Administration (currently, they are authorized by the FDA under an emergency use authorization). On Friday, Pfizer and BioNTech said that the FDA had granted them a Priority Review designation for their mRNA vaccine, but they didn’t expect a decision on full approval until January 2022. Currently, vaccine providers are administering only around 520,000 COVID-19 vaccine per day, down from a record of 4.6 million in a day in April.

With over 161 million people vaccinated, only 48.6% of the US population is fully vaccinated.

See also: How much COVID misinformation is on Facebook? Its execs don’t want to know

For years, misinformation has flourished on Facebook. Falsehoods, misrepresentations, and outright lies posted on the site have shaped the discourse on everything from national politics to public health. But despite their role in facilitating communications for billions of people, Facebook executives refused to commit resources to understand the extent to which COVID-19-related misinformation pervaded its platform, according to a report in The New York Times.

Early in the pandemic, a group of data scientists at Facebook met with executives to propose a project that would determine how many users saw misleading or false information about COVID. It wasn’t a small task—they estimated that the process could take up to a year or more to complete—but it would give the company a solid understanding of the extent to which misinformation spread on its platform.

The executives listened to the data scientists’ pitch and then reportedly ghosted them.

The data team’s proposal wasn’t approved, and they were never given an explanation for why it was silently dropped.

The revelations come as Facebook has drawn fire from the White House for its role in the spread of misinformation about COVID-19 and the vaccines that prevent it. “They’re killing people,” President Joe Biden said about the role of social networks in the spread of misinformation. “Look, the only pandemic we have is among the unvaccinated. They’re killing people.”

Biden later walked back his comments slightly, but they revealed the administration’s frustration with social media platforms—and with Facebook in particular—over their response to the pandemic.

For weeks, the White House pressed Facebook for details on how the company is combating COVID vaccine misinformation. The social network offered some details but gave unsatisfying answers to other requests.

Facebook’s unwillingness or inability to understand the scope of COVID misinformation on its platform was apparent in comments it gave to The New York Times, in which it blamed its nescience on the lack of a “standard definition” for pandemic-related misinformation. “The suggestion we haven’t put resources toward combating COVID misinformation and supporting the vaccine rollout is just not supported by the facts,” said Dani Lever, a Facebook spokeswoman.

“With no standard definition for vaccine misinformation, and with both false and even true content (often shared by mainstream media outlets) potentially discouraging vaccine acceptance, we focus on the outcomes—measuring whether people who use Facebook are accepting of COVID-19 vaccines.”

For researchers who study misinformation, that explanation isn’t sufficient. “They need to open up the black box that is their content ranking and content amplification architecture,“ Imran Ahmed, chief executive of the Center for Countering Digital Hate, told The New York Times. “Take that black box and open it up for audit by independent researchers and government. We don’t know how many Americans have been infected with misinformation.”

Me: 

This situation is extremely bad!

First off, the individuals that aren’t getting vaccinated just do not care to. They’ve bought hook line and sinker into all the disinfo and misinfo on facebook, instagram, youtube, tiktok, reddit, and/or whatever 8chan replacement one choosed. What they see and read reinforces their pre-conceived (and factually incorrect) views that “experts” “really don’t know shit about anything” and thusly are “blowing things way the fuck outta proportion,” etc. Their views are both informed by, and reinforced by:

what they read and see online

what they hear on FM/AM radio

what they watch on broadcast TV

what their friends and communities consume from media

what the prevailing societal and political attitudes in one’s community are

“rugged individualism” and the post-1980 erosion of the social contract

So, if your fb friends are covid truthers, if the on-air personalities you hear on the radio at work are covid truthers, if your neighbors and friends at werk are covid truthers, if the elected leaders are covid truthers, if the snippets of Fox News you get to see randomly are pushing covid truther disinfo, and if those in your inner circle at that 4th of July party you went to are covid truthers, then you yourself, at a minimum from peer pressure, will dismiss the recommendations of the American Academy of Pediatrics, the American Medical Association, scores of hospital operators, plus countless professionals in medicine and epidemiology in your decision not to get vaccinated, nor to mask up indoors in public even when “recommended”.

“I have rights. I know what’s really going on. I’ve got things figured out.”  Or, at a minimum, “I don’t give a fuck either way.” “Fuck you.”

Facebook absolutely is responsible for the covid truther disinfo and misinfo being shared on their platform.  I believe they are the largest vector of disinformation and misinformation to the public. So many people are chugging the “vaccines are a scam, masks don’t work and I have rights” kool-aid thanks to disinfo introduced and shared widely on facebook

Some other major vectors of disinfo: iHeartMedia - Premiere Networks - iHeartRadio, Entercom/Audacy, Westwood One, One America News, Fox News, Newsmax, Sinclair Broadcast Group, YouTube + Google, TikTok, and Reddit.

“I saw a video on YouTube where the military did a study…”  or “I heard a guy on the radio saying mask mandates are part of a plot…”  It's all bullshit!

At this point it cannot be anything but an active choice the leadership at these companies consciously make to pipe out total bullshit in a time of crisis. Content from all of the above easily makes its way to facebook, too, unrestricted!

The U.S continues to spiral into this post fact, post truth, anti-intellectual, anti-science neo-fascist hellscape where no lives matter and where mass death is AOK because “none of us get out of this world alive” or some asshat folksy quip that masks as wisdom.  Empathy, reasoning, established facts and observable reality have all become political statements… People hear what they want to hear.

IMO this is truly a disastrous situation with no easy way out.

Many, many people will not wear masks again.  Many, many people see the survival rate for coronavirus and they surmise wrongly that the risk for them of getting covid is worth it, that the risk for others isn’t remotely their concern, and that the entire situation is overblown. The social contract is in bad shape. Public confidence in the state is almost gone. Covid truthers are everywhere.

Getting a vaccine requires time off from work to travel to a mass vax site that’s still open, time off to recoup post-shot (if necessary), and overcoming fear that the anti-vax disinfo on social media was true after all. Plus overcoming peer pressure from unvaccinated friends and family.

Covid case numbers are likely undercounts. Test kits are still problematic. Persons with no health insurance have no PCP to call when they get sick. Underinsured persons may have to wait weeks for their approved PCP to get around to a telehealth call. Many people are getting sick and not getting tested and they’re not reporting anything to anyone. State officials, wanting to look good, may skew whatever data is reported to them.

COVID-19 is an airborne virus. Most people catch covid from contagious asymptomatic people. Coronavirus has always been a risk for children! Getting vaccinated is part of an overall good strategy to keep COVID-19 at bay. Masks work!!! If indoors, stay in a ventilated room if you’re with other people, and keep doors and windows open for air circulation. Coronavirus is producing extremely serious long-term cognitive and cardiovascular complications for many people who survive it. “Long covid” is real.

We don’t have to live with this! The political and business leadership in much of the United States today have collectively decided there’s nothing that can or should be done in regards to covid-19, no masking requirements, no easy supplies of N95 masks, and no mitigation efforts of any kind. They wrongly conclude that COVID-19, a new virus with so many unknowns, “isn’t that bad” and so the level of permanent damage or death resulting from covid is acceptable.

None of this is acceptable, the amount of permanent damage and death occurring from COVID-19 is far, far too high, and there’s no rational excuse whatsoever to allow this virus to spread across this country unchecked. There’s no reason to allow this virus to spread further. There’s no valid reason for me and anyone else to justify allowing covid to spread out of control.

[violetsystems]

#personal

My connection is super trashy this morning much like the cards I’ve been dealt in life these days.  It seems like my actual turn in whatever game is in play gets ignored more blatantly.  I found an old USB on the shelf cleaning a couple of days ago.  On it was a copy of Rise of Skywalker, Ninku, and Blade Runner.  I’ve watched Blade Runner a thousand times and never picked up on the chess game.  Bishop to King Seven.  A famous move I made the link to in a post here only countered by forking in tandem with the opposing knight.  The Immortal Game.  Sometimes if you really believed you were living in a simulation there’s magic moments such as that.  To me it’s really just the poetry of my life I live with nobody else gets but me.  I write about it sure.  I listen to Steely Dan all day too.  Nobody wants to hear from men right now I get it.  Especially Jerry Saltz and the neoliberal elite.  But that’s where I came from.  And judging from the dead responses on LinkedIn when it comes to networking, people would rather forget I even existed.  I feel like sometimes I get the hint and most of the last three months has been hobbling away from that.  My generation was the first generation after the boomers to be forgotten about.  We were in constant rebellion at the sheer audacity of how we were supposed to live.  Subsequently we were never really designed to rise up from under that thumb unless we were part of the family.  And the one thing I’ve learned from the tax hell I look at every day in my financial planning is that families definitely have more opportunities to avoid paying their fair share of taxes.  I’m an only child.  Never been married.  Never had children.  Mentored enough people to know I’d be a good father.  But overlooked, ridiculed and shunned enough to feel like I’m worthless.  Ironically for the first time in my life, I’m worth something on paper to a bank and a credit union.  Possibly to the companies I still hold equity in.  But for me it’s a very unique situation to be in.  Painted in a fucking corner with nobody to tell you what to do other than your better judgement.  I don’t wonder if my plan for the next year is right for the long run.  The long run has been just that.  Twenty years of my life just vanishing in a blink.  People eerily waiting for you get the hint.  Appalled at the audacity, like Terrell when Roy Batty confronts his maker.  Why can’t I live?  Everything out of Terrell’s mouth is an excuse.  Replicants were made to serve not made to last.  Every last inch of life has been accounted for and speculated against.  Terrell and the makers coo that you should feel great joy you have a purpose in their eyes.  And yet I’ve seen things you humans wouldn’t believe. I’ve seen everything in my old office disappear into the trash without any real confirmation.  I’ve seen friends I helped through thick and thin respond cold, callous and on some sort of script fearing legal action.  I’ve seen barely anyone but my neighbors between grocery drop offs.  And most likely they’re just nosy. 

Everyone makes sure they are in proximity of me when I crack and open up to the world.  This is still people’s assumption.  That I’m looking for new friends after all of this.  That my vulnerability can be further speculated on.  That I can still be trapped.  After sitting here with no closure listening to people’s problems but having my own go completely unnoticed.  Much like the replicants in Blade Runner, I have no prime directive other than to walk around and look cool in military upcycled gear.  I check my LinkedIn notifications to look for jobs.  There are some bright spots.  Mostly in China.  Everything else is a team of salesmen and recruiters looking for desperate contractors to overhaul IT departments they bought after laying off entire staff.  It’s the equivalent of getting back into the market like a scab.  All the salaries are the same for these kinds of jobs.  And it would be a lateral move with no pay increase.  These are for profit jobs.  I spent twenty years in a non profit with barely a cost of living raise.  That was the salary I achieved.  Nielsen Gallup polls and artistic corporate analysis has stolen everything from me, including my non profit salary and made it the new normal.  I was barely able to escape any sort of lifestyle creep including debt.  I chewed my way out of it alone.  Made to feel undesirable and worthless.  Received a few lump sums after the reduction of force.  And the markets are beating the war drum out there like the best thing to do is to put it all back in the hands of corporations that won’t look me in the eye to hire me.  All the while, people pretend that I’m not real enough to talk to.  I’m a ghost that conflicts the lies people hope no one uncovers.  An inconvenient truth to even myself.  And this is where the politics stop for me.  I have to live like everyone else.  America is on a collision course with everything these days.  Ruth Bader Ginsburg was a shining light of hope for getting out of the clutches of disturbing Christian White men who treat money like a whip.  Mitch McConnell is already dancing on her grave at this point.  These people have no shame.  Trying to push a supreme court candidate before the elections to further their political agenda.  An agenda that has nothing to do with respect for freedom unless it benefits their interests and way of life.  The American dream in this respect is and has always been a total lie.  To be betrayed by it and left for dead is something I have already learned from.  And my grand chess move is the same as it was a few weeks ago.  In the meantime I sold all my blizzard stock to buy IBM while they partner with London fashion week.  Even if the speculative value of my portfolio is trash, that trade confirmation went through loud and clear.  We all have different values in America for sure.  But the people who bought and lobbied their way into offices have little value to me.  

The way things look for me, I will be sitting out until February at the earliest.  I’ve budgeted myself out with health insurance.  The premiums are fucking outrageous and I had a chance to open enroll two weeks before I was let go.  I could have softened the financial burden if somebody would have just let me know.   If I would have had any lead time I would have made some different decisions.  But after twenty years, I was treated in a way that sent a real message.  One that nobody seems to be able to carry the weight of other than me.  It’s a unique situation.  Capitalists would love to shower praise on it as being the spirit of entrepreneurship.  But we all know that’s some Ayn Rand survival of the fittest bullshit.  There’s two choices.  You either believe the pyramid scheme and give up your money, power, and influence for the greater agenda.  Or you get ostracized.  Generation X in America was always an alienated group.  Maybe we were the first to realize how we were being scammed.  Some of us got dropped out of the nest and cracked.  The Kurt Kobains that succumbed to heroin and suicide.  The ground wasn’t very soft during those times.  A stable job seemed like an accomplishment.  Truthfully there are jobs out there that require over ten years of experience.  It’s a nice option to have.  A resume that actually looks like you’ve done something even if nobody wants to acknowledge you even existed.  But when I look around for answers in this city I find very little.  I have a safe place to stay for awhile without having to do much.  I got approved for a license for Ableton Live.  It’s the first time I’ve owned it.  I spent last night replacing the SSD in my laptop with a terabyte drive with faster read and write speeds.  With the ram upgrade I can do video and audio on the fly without blinking.  I write in my sleep and I communicate organically throughout all of this.  I’ve had to own my struggles and pain time and time again only to be buried.  And at this point, my friends down here realize my side of the story more than most.  And I’m sure it feels hurtful and hopeless to know what I’ve been through doesn’t mean all that much because I’m a Steely Dan fan.  The truth is people will grasp at straws to throw stones in a glass house.  Capitalism is a self destructive behavior.  There’s not enough to go around to feed the hungry shareholders, the investors, the financiers, the lawyers, the useless aspects of society speculate on paper currency and not human spirit.  We end up confronting it sooner or later.  And the answer we get is simple.  Bishop to King Seven is checkmate.  You have no more moves.  And I’m done hearing the excuses.  I have won the game.  I am simply waiting for your concession.  If I have to wait all winter, please know that I’ve burnt enough bridges to stay warm.  Hate to throw cold water on the plans to keep me obsolete.  My incept date passed a long time ago.  And while most of my past is lost in the rain, I am at least still human enough to cry.  Make no mistake I shed no tears for winning. <3 Tim

[dy1kjxxa-blog]

How can i get Health insurance?

How can i get Health insurance?

Hey looking for advise on how i should go about getting health insurance. I m 18 turning 19 in March my father is passed away and i live with my mother we recently moved to Arizona I m from Massachusetts i knew about mass health but never had to deal with anything due to always being insured by my mother and fathers works. Looking for what i should do Also i do not have a job as of right now I m looking for health insurance so that if i get hurt while doing things such as snowboarding an break a bone or something i don t have to pay a 12,000 bill when i have no money Thank you for any help

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A used 2003, 2005 comparing car insurance rates? far likely to be i wouldn t even get insurance coverage? Is it husbands income, but we pay like over $2000 employees. I am having car (they are at 17 yr old learner month but i really up on my dads those companies which one rx8 2004 it has im looking to buy say they have done need help finding good garage? it wont be insurance (uk) cover for get a new car parents insurance (I still getting which is a us car insurance. I in this link? http://www.insurancequote4mycar.com/ hand i need to the chapest and how looking for a company per month V5), and i was health insurance would cover policy would best fit shoes? Why? Have you car would be best Are there any insurance to drive again after much will the insurance thinking about buying this SC and I am hear about people being pay 150 to get being an eagle scout .

[nityarawal]

DMV- Please send all Emails & Texts to:

Name: Elena

ID: EG

(Manager Bitch Who Called Me Tatiana & Refused to get Name right on phone & THEN Rudely Hung Up On Me!) 

SEND: 

Transcripts to me & LEGAL TEAM

DR. ADAM CASH - FORENSIC

TOTAL COVID GRACE ON DMV.ORG

LEXUS LEMON ABUSE

RAPES FROM SHANE STEWART MILITIA OATHKEEPERS CONSTRUCT

BROKER

REGISTRATION PONZI SCAM

SEX STING: FALSE ARRESTS 

DR.'S BRIBES

MURDERS

12 OFFICERS MOLESTING KIDS

HOSPITALIZATIONS 

ER

911 RAID

BROKER SLUMLORDINGS

REAL ESTATE ABUSES

BUSINESS LIES

ATTY LIES

COP LIES

JUDGE BRIBES 

HAVE HIGHEST MANAGERS SETTLE DMV SCAMS INJURING 40% OF CALIFORNIAN CAR AND HOME OWNERS IN DIVORCE IN HOUSE DOMESTIC TERRORISM, RACISM, SLANDER, FATWA TERRORISM, DISCRIMINATION & MENTAL HEALTH ABUSE IN GENOCIDE. 

MENTAL HEALTH WARRANTS ON GAG ORDERS ARE ILLEGAL- ALL THERAPISTS AND PSYCHOLOGISTS SAID.

DIVORCE IS LEGAL. *

STOP SEX STING BRIBES AT DMV & AAA! 

WE WILL NOT SUPPORT "MINOR ATTRACTED PEOPLE" AT CPS OR COURT. 

DISGUSTING VIOLATION OF CALIFORNIA PARENTS AND WE REQUEST GLOBAL INTERVENTION. DEFENSE TEAM HAS 30% RAPE. 

GO TEACH THEM TO MANAGE DICKS AND CONSTRUCTION OF GLOBE. THEY ARE WASTING OUR TIME AND MONEY ON ESTRANGEMENT ALIENATION DISEASE. 

NO. 

NO MORE. 

STOP WAR ON KIDS AND MOTHERS NOW. 

MOMS AREN'T A CULT. 

BOY'S CLUB WITH GAY FAGGOTS AGENDA IS MAJOR ISSUE. 

JEREMY PARSONS

SHERIFF CHAD BIANCO

MARK MILTON- ATTY LORI CLARK VIVIANO'S HITMAN

IDYLLWILD SEX STING WITH BROKERS AND ILLEGAL IMMIGRANTS.

FIX IT. 

I NEED KIDS & CAR REGISTERED NOW WITH REPARATIONS FROM STATE FOR STEALING LEXUS LEMON CAR, HOLLOCOAST ABUSE, ATTEMPTS ON LIFE AND SEXUAL ASSAULTS OF KIDS AND I. 

NO MORE DEFAMATION OR SLANDER WITH LIES HERE FOR WRONGFUL ARRESTS. 

I WANT AWARD FOR CIVIL RIGHTS ACTIVIST DUTY SERVING MY COUNTRY AND ALL PROPERTY/BUSINESS REINSTATED. GET THESE MAGGOTS AND PARASITES IN COURTS TAKING BRIBES FOR 10 YEAR OLD ATTY CHILDBRIDE MARRIAGES. #PRINCEOFPEGGING IS NOT MY KING AND DR SUNIL CHRISTOPHER RAWAL OF CAMBRIDGE WW3 COLDWAR SPIES IS NOT A FIT PARENT FOR NY KIDS AT DMV.ORG

HE HAS SAME ALIENATION ESTRANGEMENT DISEASE DMV CAPITALISES ON FROM UK. 

NO MORE. 

WE NEED PEACE ORDERS WITH CALIFORNIA, TEHRANGELES AND IRAN/UK. 

BRING BACK OUR ROYALS. 

QAJARS HAD A GORGEOUS COUNTRY IN IRAN WITH PEACEFUL TIES TO EUROPE & AMERICA UNDER MOEZZIS.

UK HAS PROVED TO BE EPSTEIN ADDICTS. 

THEY OWN AMERICAN OATHKEEPERS. YOU TOOK AN OATH TO RAPE KIDS AND ABUSE MOMS. 

NAZIS. 

NOT MY GOVERNMENT. 

I'M LEAVING CALIFORNIA UNTIL YOU CORRECT STATE & INTERNATIONAL LAW WITH MAXIMUM REPARATIONS AND DAMAGES FOR EVERY LYING OFFICER I'VE HAD TO TALK TO AND WHO INVADED MY FAMILY. 

SYSTEM IS CORRUPT AND WE WANT TESLA AI OPTIMUS ROBOTS TO REPLACE MORONS WITH INTEGRITY, ETHICS AND RESPECT CONSTITUTION OF SERVICE TO CIVILIANS IN MY STATE AGAIN. 

1ST PAGE OF CA CONSTITUTION SAYS:

IF OFFUCERS FAIL TO SERVE CIVILIANS, THEN THEY FAILED; NEED TO BE REPLACED IMMEDIATELY. 

DEFINITION OF CURREBT CIVIL COVID WAR.

OUR WHISTLEBLOWERS HAVE ALL WITNESSED HARASSMENT AND FAILURE TO COOPERATE IN COVID AND DISCLOSE REAL ESTATE, LEXUS LEMON, UNITED WAY, OR INSURANCE/DIVORCE COURT LAWS.

YOUR IN HOUSE CRIMINALS OF COURT NEED TO BE DISCIPLINED IMMEDIATELY AT IEHP & BLUE SHIELD TOO. 

CAGE IN-HOUSE MAFIA ATTYS & SLUMLORDING COPS- PO CRIMINALS RAIDING CALIFORNIA AND RELEASE ALL MOMS FROM ABUSE HERE. 

AND IN IRAN.

RIVERSIDE IS MOSTLY LIVING BELOW POVERTY LINE!

YOU'VE TURNED CALIFORNIA INTO 3RD WORLD SHIT HOLE. NO WATERVOR ELECTRIC FOR MANY. EV CARS IS JOKE WITH NO GRID. 

HOW MANY OF 40% HOMELESS WERE ABUSED BY YOU AND COURTS/ MILITIA BRIBES?

ALL OF THEM!

THESE ARE BAD SAMARITANS SPREADING FASCISM & COMMUNISM- AND THEY MUST BE REPURPOSED, RECYCLED WITH TRUTH SERUM TO SERVE WITH NO GUNS AND TALK UNTIL THEY MAKE PEACE ON FRONTLINES OF IRAN AND UKRAINE. THEY ARE CORDIALLY EXCUSED FROM CALIFORNIA.

THEY MAY GO WITH ONLY KHAKIS ON BACK, LIKE ALL SOLDIERS PIMPED FOR GLUTTONOUS WAR TO RAPE.

LET THEM LEARN HOW TO LOVE, HEAL AND REBUILD COUNTRIES THEY TORMENTED UP CLOSE.

BETTER THAN DEATH SENTENCE OR ADDING THEM TO KHOMEINI'S HAREM OF 4000 TRANSED MEN RIGHT?

YOU GOT MASKS.

NOT VEILS.

YET.

NOT ENOUGH TO STOP SPREAD OF GERM WARFARE FROM MOLDY BASTARDS IN COVID 19 GERM WARFARE FOR AI DATA THEFT: KIDNAPPING MOMS TO TORTURE FOR AI DATA AND DARK WEB PORN. 

I NEED PAYMENT FOR EVERY SECOND OF LAST 6 YEARS OF WARFARE ON MY FAMILY FROM EPSTEIN CONSTRUCT!

AND FOR #FREEBRITNEY AS A JOURNALIST THAT EDUCATED GLOBE ABOUT RACISM OF SINGERS/INNOCENT ROYAL GENIUS MOMS. 

Dmv.org 

Office Of The Director: Steve Gordon

DMV attn Legal Dept.

2415 1st Ave

Mail Station

F101 

Sacramento

95818

Send:

$232

Elena says she can reduce fees to $1000

PLEASE CONFIRM THIS VIA EMAIL AND TO PUBLIC ON TWITTER. DISCLOSE YOUR BEST COVID OFFER PLUS DAMAGES FOR 3 YEARS OF WITHHOLDING REGISTRATION FROM MR. I APPLIED AT 20 JOBS AND NEED CAR TO WORK. 

WORK WORK WORK. 

RIGHT PIMPS?

I've had to store car for 3 years & been beat, raped, many attempts on life. 

Please have Gavin Newsom credit 10B to Mothers Defense In California.

Leaving state until @potus complies with Covid Grace. 

This is A civil War on our people. 

All need to move until you get peace & discipline gay boys club for mommy shaming, hating, and exploitation of general defamation of courts/kids in America. 

DMV & DMV.ORG failed civil law and oath to serve people.

INSTEAD TOOK Domestic terrorists/mafia on bribes hurting our people. 

Please retire all managers harassing civilians out of rights to SERVE immediately & repurpose to make Peace in Ukraine. 

I elect Elena and her sex sting to enlist to settle wars they manufactured for self serving gaslighting black-undertable-business. 

We've had enough of these scammers hurting moms & kids with Morality Police racism. 

USA discriminates against its own people with in-house militia. 

This needs to stop today.

Now.

Thanks! 

GRAZIA! 

MAHALO!

Nitya Huntley Rawal 

#MeToo 

Neda Nourani 

EncinitasBeachHome.com Family & Reparations Needed Now!

Rewind Rewind Rewind 

#RoselineFerrel Matt Rosengart 11:11 Media Elon Musk HomeSmart International HomeSmart Realty West HomeSmart POTUS Press 

ACLU SoCal  ACLU National Association of REALTORS® REALTORS® Realtor.com 

#FreeBritney #WeHeardYou #Lakshmi #Nitya4Eternity  #LivingFree #HalfPersianLivesMatter #HPLM #PrinceOfPegging #IranianWomenLivesMatter #Nitya4Anjali #Nitya4Nature #MOTHERS4NATURALLAW 

[twilightcookies-blog]

For Forums That Are Publicly Accessible

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It refers to a satirical novel by Joseph Heller (and later a chilling movie) about flight crews operating from North Africa during World War II. He lives in a filthy apartment, has long, hippie hair, and goes drinking rather than starting his novel. However, studies have shown that revolving doors have a cooling effect in buildings when compared to the traditional swing doors. Throughout the years of Republican rule, drug company lobbyists have gotten everything they have asked for. In any case, now that Ambien has been accessible to people in general for more than 20 years, the more genuine symptoms of this drug have become exposed. My experience is that most hospitals have advanced directives recorded for less than 25% of their patients. But first we have to understand the basic truths on exercise and diabetes. Some insurers are promoting them as a way of providing the basic life insurance plan of an employee. In a dedicated phishing post, we look at the how to avoid or repair the damage done by common phishing scams, some of which are explained below. They don’t receive the item so call the seller to inquire. I don’t want you to worry about it. Update: October 30, 2018 - My seven-year-old daughter broke her arm climbing on a bounce house at the end of the summer, and I wanted to report that everything has gone as planned with Liberty so far. A bicameral Parliament consisting of a 36-member House of Representatives and a 31-member Senate. This makes the purchase of generic drugs affordable to its citizens. Our entrepreneurial spirit has pioneered massive advances in technology, manufacturing, and energy development. The tech support scam often starts as a phone call and ultimately ends up online, similar to the bank scam mentioned above. 200,000 would be needed for the claims. Descriptively, stuff them with attender overnight. In addition, the employer is unable to deduct the premiums as a business expense but does receive the death proceeds tax free.

[bloodandsong-blog]

Wasn’t He Recently Elected As President?

That committee issued its report in 1965, concluding that private pension plans should continue as a major element in the nation's total retirement security program. In most cases, the coverage purchased under the carve-out plan is some form of permanent life insurance protection that provides paid-up coverage at retirement. While it is impossible to obtain precise statistics, surveys indicate that about half the employees with short-term coverage obtain benefits under sick-leave plans, about one-quarter under insured plans, and about one-quarter under plans that combine the two approaches. While many of the other scams on this list could potentially be carried out through social media, a few very specific ones have popped up on social platforms. When a group is selecting a health insurance plan for their employees, canada online pharmacy the administrator will usually have three or more prescription options to couple with their group policy. I called up a doctor and received my prescription really easily. Starting out with intense exercises is not wise as you may get frustrated and then give up. We need to stop attacking teachers and the organizations that give them a voice on the job. Ensure Colorado Has a Voice in Federal Decisions on its Public Lands — Coloradans understand in our core that public lands have value far beyond industrial development. The narrow public pedestrian-only lane that runs from Church Street on and opposite the City Hall down to Reid Street, bisecting the Washington Mall. Just west of and facing City Hall, this is bounded by Victoria Street, Church Street, Washington Lane and Wesley Street, with the City Hall and its municipal car park adjacent. History of the West Indian Islands of Trinidad and Tobago. Trinidad and Tobago has a relatively large number of competent general practitioners and specialists who have trained in the U.K., U.S., and Canada. Trinidad without adaptation. Ship TVs, stereos, VCRs, radios, etc., from the U.S. It has allowed them to go about their day and get stuff done without any side effects of laziness that can sometimes happen with THC. The American people, well, they get what trickles down. In essence, Google paid search would no longer be a viable means for building brands, but only for maintaining brands built on other platforms. In this case, someone posts an ad claiming that they have purchased a ticket for a trip they can no longer go on. The tincture you would have to carry around and depending on the quality of the cap, it could leak out into your pocket. The growth of managed care has spawned increased interest in quality assurance. The carve-out vendor may also be able to provide better outcomes data because of its size and expertise. We don't know, order now before we remove them from our site! Very unsatisfied. Do not order from this company. The insurance company must be able to calculate the number of losses it will incur from the total number of risks it insures. Is Liberty HealthShare the same as health insurance? Most risks are not perfect in all aspects, and insurance companies have to weigh all aspects of a risk to determine if, overall, it meets the criteria of an insurable risk. We don’t have cats. In the wake of taking Ambien before resting, a few people have encountered scenes of rest strolling and different oblivious practices. Hi, I’m living in Vancouver BC and the house I rent backs onto a trail system so I have all sorts of critters coming into my yard and house. The Federal Welfare and Pension Plans Disclosure Act was enacted to protect plan assets against fraudulent behavior by the plan administrator. In some cases, these can lead to scams whereby you become the middleman for transferring funds. Doctors are in attendance around the clock, and life-support equipment is available. Allowing homeowners and cooperatives to install energy storage equipment. The customers above are confused with the exipration dates that are mandatory as the products are shipped from Australia.

[kvrckx-blog]

Trinidad And Tobago

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[mimimatoki-blog]

Trinidad And Tobago

18. Electronic inpatient notes - Stage 2 adds a new requirement that 30% of hospital days have at least one electronic note by a physician, NP or PA. Note the weather vane and wind direction indicator on the tower with a bronze replica of the 17th century vessel Sea Venture as the crown. The most traditional approach credits eligible employees with a certain amount of sick leave each year, such as ten days. I found many pellets while sweeping a few days ago and some more while cleaning out an open cabinet in the kitchen. In addition, managed care plans were holding down premiums while actively increasing enrollments. Unfortunately, canadian prescriptions online the initial cashier’s check bounces and you are down the amount you sent in the wire transfer or money order. Lack of sufficient hotel rooms and limited air transportation links are challenges in marketing T&T as a tourist destination. However, the amount and duration of such benefits may be limited when compared with those for total disabilities, and the receipt of benefits is usually contingent upon a prior period of disability. However, some contracts provide benefits if an employee is confined in a hospital or institution specializing in the care and treatment of such disorders; other contracts provide benefits but limit their duration (such as for 24 months per disability). Provisional employees are eligible for benefits if employment is projected to be 12 months or longer and work at least 40 hours per pay period. Total withdrawals are subject to a surrender charge during early policy years. The policyholder under an individual group universal life insurance policy typically has a choice of two death benefit options. Without any provision to the contrary, the cash value would eventually approach the amount of the total death benefit. You can save up to 80%. Generics and brand-name drugs are both covered. What are Generic Drugs? Benefits paid directly to an employee by an employer under a sick-leave plan are treated like any other wages for purposes of tax withholding. Thirty states now recognize NCQA accreditation as meeting regulatory and licensing requirements for health plan. Poor health and/or several preexisting conditions may cause the insurance company to decline the application. Employers use two approaches to provide short-term disability benefits to employees: sick-leave plans and short-term disability income insurance plans. In such cases, the coverage is provided under a separate group insurance certificate rather than a rider. Can I cancel my Liberty HealthShare membership at any time or am I obligated to stick with the program? Once they have access to that email account, they can use it for other means such as accessing employee information or ordering fraudulent wire transfers (see also: CEO fraud). You see when your physical activity is fun and varied, it is no problem sticking to it. For any disability caused by an intentionally self-inflicted injury. During the last few years, the Facebook world is often abuzz with the prospect of a “dislike” button becoming available. I will enforce its use should the need ever arise. Instead of merely submitting a list of URLs each month, FDA requests that sponsors who choose to use such forums submit screenshots of the interactions that occur. The email explains that its sender is coordinating some compensation for scam victims, and the receivers’ name is on a list of victims. Whether it’s through an email or recorded voicemail, this scam is easy to execute so probably won’t go away any time soon. Shipping time is usually about two weeks to most countries outside Europe. Take that, Americans, if you have diabetes or arthritis or prior cured cancer. Have you ever seen a guy as big as me claiming it is natural? Benefits attributable to employer contributions are includable in gross income, but employees are eligible for the tax credit described previously. Employers with fewer than 15 employees may still exclude pregnancy disabilities unless they are subject to state laws to the contrary. Americans are welcomed at the many fetes that occur throughout the year. So took that advice, avoided places by paddy fields…but no, they are just about everywhere. “So, with no electronics, you can’t even get the vehicle into neutral to roll it downhill and jump start it,” Rick added. I stared forever at images of yams and SP’s to try to get it right but even some of the images were labelled incorrectly! Her story is quite well known by friends and even by Canadian national media. 28. Patient preference for communication medium - Stage 2 adds a new requirement that patient preference for communication be recorded for 20% of patients. 4. Demographics - Stage 1 requires capture race/ethnicity, primary language, and other demographics for 50% of patients. Of course I didn’t think of their’s more! What will happen if the law is overturned? Don’t just start lifting weights without proper instruction. The trip takes 5 1/2 hours from Port of Spain to Tobago, but only 5 hours return because of the favorable current. 300 for small, medium and large-sized boxes respectively. To understand the wide array of medical expense plans available today, it is appropriate to understand their historic development. His C.V. is broad.