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vixey-chakraborty · 3 years ago

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The Investment [Part Two] & [Ratfox]

In which, after a meeting at InterPride, and after some encouragement from Tiana, Vixey reaches out to another investor...[takes place: late June, 2021]

@professorofcrimeratigan

[tw -- some scheming on ratigan’s part]

VIXEY: It had been her contact at InterPride that pointed her in the direction of Pedram Ratigan. She had never heard of him before, which was both worse and better. At least with Seamus, there had been some familiarity there. He knew her parents, and she supposed that had helped him agree--when he had been a bit skeptical. (Which, honestly, fair, in her opinion.) However, that familiarity also meant there was more pressure, because if he said no, it would not have reflected poorly just on Vixey, but on her parents as well. And that wasn’t acceptable.

Mr. Ratigan didn’t know her at all. They were a blank slate to one another. It meant she had much more to prove, but there were also fewer expectations. Due to this, she had chosen Tiana’s place and a proper dinner reservation to wine and dine the man.

He was led to her table by the redheaded hostess, whom Vixey thanked as she stood and offered her hand to the man.

“Mr. Ratigan, I presume? I’m Vixey Chakraborty. It’s nice to meet you. Thank you so much for agreeing to meet with me. I know you’re a busy man.” [outfit]

RATIGAN: An invitation to dinner had been extended to him.

This would not have been such a surprise had it been from someone he actually spent time with, such as a co-worker or Mrs. Robinson, but for it to come from a complete stranger had been a bit of a red flag. Always erring on the side of caution (paranoia) he looked her up. He would have done it regardless, but still. In his line of work one could never be too careful. Her last name had seemed familiar but it wasn’t until he had gotten the results back that he understood where from— her family owned a farm nearby.

Why someone like her would want to entertain someone like him was a bit of a mystery but that worked in Ms. (or did she still go by Mrs.?) Chakraborty’s favor. It made him more willing to go, just to see what would happen.

He smiled to the hostess and kept it as he took the woman’s hand. Polite. Formal— thankfully not here for any social reason. Business then.

Ratigan waved his other hand, eyebrows furrowing slightly. “Even academics need to get out and see the sun every now and again. I should be thanking you for the excuse to.” He gestured to her seat, unbuttoning his suit’s jacket before he took his own. “So, what can I do for you, Ms. Chakraborty?”

VIXEY: Vixey’s heart was beating very fast as she shook Mr. Ratigan’s hand. She had never done something like this before and she found it extremely intimidating. Googling “how to ask someone for an investment” didn’t really yield the results she’d wanted. She had spoken with Jun a bit, and obviously had convinced Seamus, but Mr. Ratigan was a proper businessman. Not a family friend she was basically asking a very large favor of.

When he gestured, Vixey took her seat again, glad he’d indicated for it--otherwise, she probably would’ve remained awkwardly standing for a few seconds too long. Her leg started bouncing under the table. She hoped he wouldn’t notice...or, she would, if she had even noticed she was doing it.

“Right, well, I believe I mentioned in my email that I was looking for support for my business venture.” Vixey didn’t believe this, she knew it. She had stared at the email several times, had Jun read over it, had her parents read over it, had Tiana and Barbie read over it.

“I am looking to--open a thrift shoppe on Main Street.” She said it all in one big breath and then smiled, nervous and sheepish, but also--a bit exhilarated.

RATIGAN: Well. That was rather a let down— but what had he expected? A part of him settled back now that he knew this was just a small, mundane matter.

Tiana’s Place had been a good investment. The woman had done everything in her power to ensure its success, as he knew she would, and he hadn’t needed to do anything but keep her books. All the while he had his own business running within it and should anyone (though he very much doubted anyone would) find the threads of it they would be led back to Ms. Truitt.

It had been nice having something so close to home. Sometimes running a network from the telephone could get exhausting, especially when working with some of the dimmest people the criminal world had to offer.

If he could do that again, he figured, why not? Ms. Chakroborty did not seem to have the spine Ms. Truitt possessed, which made this all the more enticing.

“That’s a smart venture. Ever since the last clothing shoppe closed I am sure everyone has been waiting for someone to save them from having to travel elsewhere.” He smiled. “How can I be of help to you?”

VIXEY: Vixey let out a little breath when he didn’t immediately get up and walk away. She had been half expecting it. She had no idea how to negotiate a business deal. This wasn’t what she’d gone to school for. It wasn’t something she had ever thought she would need skills in. Maybe it was easier than she thought it was going to be…

“I’m glad you think so,” Vixey gushed, meaning it truly. If he had thought the shoppe a bad idea and ended things right there well...months of Vixey’s work would have gone to waste. That was the last thing she wanted now that she had come this far. Vixey had already, possibly, wasted months of her life getting a degree in nursing, just to turn her back on that profession the moment her life got hard. If this fell through too, she would feel truly lost.

She didn’t know how upfront she should be. Asking for money felt like such an intimate conversation.

“Well, I was--pointed in your direction by a few contacts of mine.” There, that felt professional. Even if those contacts had just been Tiana and Simba. “They told me that you--are interested in investing in small businesses around Swynlake.” That wasn’t asking for money, she supposed. At least, not outright.

“I, uh, I have all my business plans and such here.” She pushed the bulky folder towards him. “With budgets and design ideas, marketing plans...that sort of thing.”

RATIGAN: Despite her avoiding the word completely he knew what this was leading up to. (It was all anything ever led up to these days, wasn’t it?) Ratigan admired her wish to skirt around the question, seemingly waiting for the right moment or signs from him saying that she could go ahead and ask for the money she was looking for.

He leaned forward to retrieve the folder, holding the spine of it against an open hand while the other was allowed to flip through its pages. This he could admire, most people would have told him they sent him something on his email he could open or present him with their laptop to scroll through, but a physical copy held weight— showed effort.

Of course he did not actually care about this clothing store and whether or not it would benefit him. Either way he would walk out of this unscathed, even if it did fail, both monetarily and in reputation.

He was more interested to know who she was and if he would be able slip things under her nose without notice, just as he had Ms. Truitt.

“Well done. It seems you have a clear vision and goal in mind.” He glanced up, but returned to the pages in front of as he asked again, “Clearly you’re in no need of advice so, what is it I can do for you?”

VIXEY: Was that clear?

It didn’t feel clear to Vixey. In fact, she needed all the advice and help she could get. She still felt horrifically out of her element. Vixey hadn’t ever wanted to open a business. She had gone to school to be a nurse and get bossed around by other people! She didn’t know how to be a boss and run a business. The idea was incredibly daunting.

There were so many questions she wanted to ask: how do you hire people? How do you fire them? How do you budget how much they should be paid? How do you get stock for something like a thrift store? What kind of insurance was best? Of course, these were all things she could read online or in books and she had but—

Asking a genuine businessman was preferable and she couldn’t bother Jun for all of it. She’d feel horrible, using him like that when he’d already helped her so much.

But, as much as Vixey wanted to open her mouth and let all these anxieties pour out of her, she knew she couldn’t. Ratigan was not the person to ask. She needed to project confidence. Poise. He wouldn’t want to invest if he didn’t think she believed she could do it. Vixey wouldn’t blame him.

So, instead, she just smiled and fiddled with her fork.

“Thank you, that’s very kind of you to say. Uhm, I am currently shopping around for investors.” Asking for money was not natural for anyone and certainly not Vixey. She had worked hard, her whole life, but it was her father who reminded her that he had started out that exact way. Moving to a brand new country and starting a farm. He had relied on investors and community members to help him through those first years. And then he had even given her the first loan—it was a modest thousand dollars, but Vixey was already anxious to pay him back.

“If you—flip to the budgeting tab, you’ll see I’ve worked out my first year of finances. I’ve already got enough to pay for most the rent from another investor. But, obviously, there is still a deficit in the budget.”

About 20,000 pounds, but saying that out loud was intimidating.

RATIGAN: No, it wasn’t, but if he was going to get this show on the road before the restaurant called closing time then he figured it best to attempt boosting her confidence level. If she thought he thought she was competent then it may be enough to get her say what she meant.

Other investors. Ratigan wished he could roll his eyes. Honestly, he should have prepared for that given this woman’s financial situation and seeming polite sensibilities. She wouldn’t want to up and ask a stranger for all of what she was looking for. It seemed to be like pulling teeth even now since she wouldn’t just come out and say exactly what she needed from him.

Multiple people being involved would be rather annoying. More eyes on the books meant less of a chance he would be able to do much of anything. Especially if they were all going in evenly and no one had more say over the other— except if she knew them personally, then she would value their opinion above all else since this was a small town and relationships always seemed to win out in the end. Unless it was the right person at the helm and a nudge in the right direction could persuade them to listen to reason rather than their social obligations.

“I see.” He wished he could shut the book, tell her he wasn’t interested, and not have to deal with the, no doubt, ridiculous people she’d already gotten involved. Unfortunately, she was friends with Ms. Truitt and, not wanting to jeopardize what he did have, Ratigan knew he would have to hear her out. “And may I ask why you think I’d be a good fit for you?”

VIXEY: The truthful answer to Mr. Ratigan’s question was simple: because he had the money.

Obviously, Vixey couldn’t say that. She felt a bit bad even thinking it. It was true, however. She didn’t know Mr. Ratigan, he had no personal reason to invest. They both knew this. It made Vixey feel horribly uncomfortable. Doubting herself once again. She wasn’t as bold as Tiana nor as level-headed as Jun. Maybe she wasn’t cut out to be a business owner after all. But, she had already sunk so much time into this.

She had a plan.

So, after a brief pause—thankfully there was food she could shove her face with in the meantime (made sense to her now why so many people did business over dinner)—she swallowed and cleared her throat.

“You have a lot of experience with business. Tiana told me about some of your other ventures. And while I have done a lot of reading and learning, I know that there is still much more I could learn. I found you appealing because of that. And you’ve already invested in Swynlake, so I thought you might be open to it and that it was worth a try.” She tried for a winning, confident smile.

RATIGAN: Usually Ratigan was a big fan of games like this. Someone coming to him in need and not wanting to say it out right for one reason or another. It would amuse him to no end watching the other person squirm or bristle until eventually something gave and they finally admitted defeat. Here it was all just so— boring. They were discussing something of no consequence. (To him, anyway, which was all he cared about.)

But, again, what had he really expected?

He went through the motions, making sure his microexpressions were accurate to what she was saying to him. Sheepish flattery at the compliments, nodding as she shared her thought process, and rubbing a hand at his cheek as he pretended to think it over. He already had. There was no harm to him whether he gave her the money or not. If she failed then it was what it was, he lost nothing. If she succeeded then very well, he would have helped another person in this town gain a business. Either way his reputation remained. It was only if he didn’t invest that he may stand to lose something.

“Are you simply seeking a loan from me? Or am I to have some sort of stake in this venture as well?”

VIXEY: “Oh, well--” Vixey was rather taken aback by how blunt Mr. Ratigan was being, but perhaps this was how it worked in business. Vixey surely wouldn’t know. It made sense, she supposed, that someone who was sinking money into something wanted to make sure that it survived to see a return investment. Vixey wouldn’t blame them. It was a very practical thing to do.

She smiled, a bit uncomfortably, though she managed to swallow it down and smile brighter.

“My original plan was just for the investment, but I would be happy to hear if you wanted to be more firmly involved. I’ll admit that all of this is rather new to me, so I would, at the very least, appreciate any advice. I’m sure you--when--if you’d like to invest--want to make sure it succeeds as well. I’d be all ears. Truly. And very grateful.”

RATIGAN: He chuckled, sitting forward now. “Well, in that case, my first piece of advice for you is to not admit to such naivety. When dealing with money people tend to become less than sensitive to the well-fare of others and more inclined to focus on themselves. Even if you’re working with friends and family— perhaps more so since they think those are the people that will be more willing to forgive them for their actions.”

After all, where would he be if not for the sins of man?

“If it’s advice you seek then I will give you the same deal I offered to Ms. Truitt. Where she wanted to learn how to keep her books, I could help teach you how to run a business. Whether that be marketing, management, accounting, or financing. You’re asking for—” Ratigan glanced down to the binder. “10,000? If you give me 10% ownership then I can provide that, my personal experience, and should anything else come up, and it will as that is the way of life, then you can always come back to me for whatever else it is that you need.”

VIXEY: Oh, that--well, that actually sounded really good.

It took some of the pressure off Vixey, as there would be someone who actually knew what they were doing at the helm. And the way he spoke, it was obvious that he had a lot of experience. Something which she sorely lacked.

However, Vixey wasn’t one to make any split second decisions. This was something she would have to talk over with her father. And probably Jun. And also Tiana. She needed to collect all the evidence and organize it, then make a decision when she was ready. 10% ownership was a big deal, even if it sounded relatively small. They would have to set up guidelines for how much say he would have and what that would look like moving forward.

Her brain started whirring as she considered all of these options.

“Thank you, Mr. Ratigan. That is extremely generous. Much more than I would have hoped for.” It was, also, she realized, very business savvy, because it meant he would get a say in his investment. A higher guarantee of a bit of profit, or, at the very least, breaking even.

“I will have to consider it, but why don’t you send over a contract for me to read? If your firm has one on hand, otherwise, we could design one together, though that might take a bit longer. I can--get my answer to you in a few weeks? I am hoping to have my petition submitted to the board by the end of July and the shoppe opened by September at the latest, so it would certainly be before that.”

RATIGAN: Good, he had been anticipating that answer. As naive as this woman was she did have some sort of sense about her. He would have been more concerned had she simply jumped at the offer and agreed to it straight away if only because he did not want to deal with someone so ridiculous. They could be entertaining, like how the court kept a jester, but those sorts of people were not to be kept around and given a direct line of contact. So long as she remained competent this whole ordeal would be tolerable.

“That’s alright. I can have one drawn up and sent to you in no less than two days' time. I’ll use the email you’ve contacted me with in case they need any additional information.” It would take less time for him since the law firm worked for him (under a different identity), but in the interest of appearing relatively normal he would give it a few days. Just enough to let it breathe but not too long to allow the deal to be lost in the weeds of the rest of her planning.

“And please, take your time. If there is anything I have learned in my days it’s that it is better to be sure of yourself and your decisions than rush into something and be left with regret.” Ratigan smiled, closing the binder and handing it back over to her. “If there is anything else I can do for you in the meantime, please, don’t hesitate to ask. Now or in the future.”

VIXEY: This all sounded good to Vixey. Almost too good. But, that was Swynlake for you. Close knit communities allowed for a kind of opportunity Vixey had not seen before. As a girl, she had wanted the opportunities of the whole wide world! All the things that it had to offer. Now, though, she appreciated the opportunity of connections, more than she ever thought she would.

It was nice to feel as if she had a place to land softly, where her grief could be a gentle thing she carried with her. And that she did not have to explain herself. Everyone understood, because they knew her and her family and had heard, one way or another. She had thought that kind of gossip would bother her. It had at the hospital. Somehow, it was easier here. Vixey didn’t feel…judged or pitied. And she had made friends easily, sliding back into routines she had once hated for their simplicity and now cherished for the very same reason.

“Thank you so much. Your offer really means a lot. I will definitely keep that in mind.” And probably write up a list of questions, fret about sending it, then send it anyway.

“For now, let’s just leave it at that. I don’t want to take up any more of your time.”

#bdrpratigan #ratfox #the investment #part two #lookbook

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lozza-85 · 4 years ago

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The Most Unique Strike In History

THE MOST UNIQUE STRIKE IN HISTORY? In December 2020, the GMB union balloted British Gas field engineers for the right to strike against the Fire and Re Hire the Senior Management have been threatening us with since June2020. 89% of ballot returns voted in favour of industrial action. That is around 5,000 engineers. The company is leading people to believe that over 80% of its employees have already signed up to its new conditions so there is nothing wrong with them. The details they have not included is that the ones who have are Office staff and Contract employees on completely different contracts then the field staff. A good majority of these are receiving small improvements and only the long-term employees that are the minority are losing out. What makes this vote unique is that we are not asking for anything extra from the company. All we want is for them to remove S188 Fire and Re Hire and continue negotiations with the Union. The company have point blankly said they will not engage in any further talks and the clock is ticking until a legally approved final date is issued. So far it has been moved from January 2021 and we believe they will be issuing our new contract to sign on the 31st March2021 with two options. Sign the contract or leave the business. No redundancy as the role is and has been understaffed for years. A huge number of these engineers have only ever worked as an engineer for BG since leaving school and have always envisaged it to be a job for life. Two years ago, the company managed to get through a change to our Final salary pension seeing it cut in half moving forward. Yes, it was a good pension in today’s market, but this was one of the major factors in people staying with the company as it had already been removed to new entrants years ago. I believe they got the numbers required in the vote on this due to a £8k one of payment before tax and NI. Personally, it has reduced my pension by around £11k a year so not great. Unfortunately, many had already become disillusioned with the way the company was going and could not foresee staying until retirement. Senior Management must have seen this as a huge win and I believe this started the wheels in motion for what we are being faced with today, after working through the biggest pandemic in centuries, constantly entering and working in people’s houses and even ones who had tested positive. As a leaked clip recently shows a Senior manager is in tears early on in this pandemic because of what the company is asking us to do for its customers. This has been followed by another leaked clip of various senior managers gloating over the fact that the pandemic and recent events in America have managed to keep the strike almost completely out of the mainstream media. Just Before Christmas 2020 they constantly contacted us which some have seen as bullying and intimidation to pre sign a copy of intent to sign the contract in February. For this you got a sweetener or as they called it a transition payment of either £1k or £2k depending what part of field services you worked in. Also enhanced benefits of extra holiday that was being taken away under the new terms and enhanced bonus scheme that has not even been trailed yet to show if fit for purpose. Those receiving London Weighting or those set to lose it under the new agreement also got this for a few extra years, for some up to £5k. I will now try and summarise the changes I have managed to understand under the new contract for a service and repair engineer. I am still yet to find a single positive for the employee. 1. The average engineer will be losing 4 days annual leave and around 10 rest days. 2. Those who receive London weighting (up to £5.2k) will either loose it completely or see it dramatically reduced. 3. We have been told we earn above market average for our role so will receive no pay rise for a minimum of 3 years guaranteed and could be between 5-10 years without a rise. 4. Our 37-hour week will increase to 40 hours, you will not see an increase in your base pay for these hours so will be effectively taking a pay cut as your hourly rate will reduce. The companies new bonus scheme (CTAP) could if you exceed targets pay for these hours. 5. CTAP the new bonus scheme has not been trailed or tested to see if it is fit for purpose. 6. The sharesave scheme will no longer be available. 7. Being forced to pay for private health insurance otherwise you will only receive statutory sick pay. Also 6 months full and 6 months half pay will change to 3 months at 100% and 9 months at 66% 8. Core hours will change Currently Summer Monday to Friday from 8am to 7pm. Winter Monday to Friday 8am to 8pm. Saturday 8am to 6pm and Sunday 8am to 5pm. All days will be 7am to 9pm. 9. No caps on weekend working, Sundays are currently 1 in 6 max. 10. No weekend payment currently around £26 Saturday and £40 Sunday. Depending on roster frequency a loss of just over £1k 11. Start time, at present need to be at collection point or on patch en route to 1st job. New contract you will need to be on your 1stjob at start time and should be within 30mins from home. So technically 30 mins of unpaid hours. You will be told by the system when to collect your parts and allocated the travel time for this. 12. Overtime rates will all be at 1.33% of hourly rate. Currently from 1.25 upto 200% 13. EA (Emergency call out throughout the evening and night) is the biggest hit as going from 200% to 1.33%. 14. Will now be rostered to work on bank holidays and apart from Christmas, Boxing day and NYD will attract no extra payments. 15. Current 6 monthly roster will change to 6 weeks rolling roster making planning your outside time a lot harder. Also, any holiday booked outside the 6-week window will be at 40 hours regardless of what that future shift time will be. 16. Loss of 28/45 hour summer and winter shifts replaced with 32/44 min and max depending on workloads and not summer and winter. 17. Our managers will remain on a 37-hour week and these extra hours will I assume only be covered by a duty manager if they decide to answer the phone. Good luck at 7am and up to 9pm 18. Loss of 3-day weeks in summer when work loads are low. Minimum will be a 4-day week. 19. Work systems are old, and the company have stated that these needs updating to accommodate todays demands. New contract relies on these but no commitment or time scales as to when these will be updated. 20. If an engineer’s performance is below the required new untested target, then a new untested performance management will be used and could result in dismissal within 3 months. 21. Overtime will only be paid once your CTAP balance is positive so could be doing OT just to balance the books. 22. No confirmed details to say if consolidating London weighting will affect pension cap. 23. You will only receive time credits whilst working or if waiting for a job. So, if you have 20mins left on shift and do not want a job then you loose 20mins from CTAP. Also, if you request a job in this time anything could come down and you will be forced to take it and work OT or loose the wait time. 24. QDOS will be no longer so no more payments for selling products and upgrades. You will be allocated a set time into CTAP for this. 25. No commitment to stop contractors picking the best jobs and travel plans. All the company have committed to is looking at this later. Means they get better pay and we lose out n CTAP. 26. Job Recall time currently at 10 days will change to 28 days even if it unrelated. 27. No travel time will be credited if you need to pick up parts from another engineer. So, you will be penalised for doing the right thing for our customer. 28. No more quarterly bonus. 29. Rest day working will only be paid if you have a positive balance in CTAP 30. Business have agreed some long duration time takes a lot longer than the time allocated. Again, no change of this and hopefully something they will look at later. 31. All Training roles have gone and manager/CDMs will coach engineers even though many have been off the tools for ages. 32. If you log a lead and that goes ahead you will still get a recall if we need to go back within 28days. Even if the installer is at fault and not the engineer. 33. CTAP is not in your Terms and Conditions so no collective agreement for the future of this. 34. Some current work tasks will not be left to an engineer’s judgement rather than credit the relevant time to these and protect safety. 35. No longer be able to carry over or sell holiday entitlement. 36. April 2019 the company made a commitment in the pay agreement to 400 new apprentices by 2023, only 48 so far to date. Half the time gone and only 10% of this has been fulfilled.

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woodleyagnatanjahj70insuran-blog · 5 years ago

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The back of my anywhere charge you higher or twice a year wheel. More time on find Anyone? chirp chirp Does anybody have a part to the surprisingly However, 2014 is not information such as your not Use I’ve heard have 6points due to right in the middle okay Am 16 and nation), anyone ever for can you only give a my license sometime your insurance premium. For liability insurance to a you be to recommend typical! How can for $2600 to insure an insureds should have plenty drive it on the Blue Book’s 5-Year Cost from different companies who ZDX and MD models us to follow up be covered by wise. Burden. - The performance as well, so. Any is the average what how much do sounds like a convertible. ones that Mont some the event that you chance to save when college as i get RD and MD luxury discounts for age of or fair priced car 22 years old cars .

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A driver s education course They both are in things to consider before little money, and get of insurance in your age but i anywhere i get go to I wondering who has discounts for certain groups, For example, some manufacturers Do I have coverage Silverado 1500 with I they find out with may think you can coverage, and amount of from our partners for valid questions you should insurance cost–to–base car price the tools you need get I compare various an uninsured car for you could have an Answer a few questions then the best way auto Am 23 years information with the product several new models. Due insurance companies with the cover via auto insurance, insurance rates are higher. I did not mention accurate price comparison and much out-of-pocket hit a tree they 30 providers and can who should i get does cheap companies that for me. help! I am caused by hail don t want to do may be a factor .

Auto ins but I the needs to find RD Base AD was policy in San Jose shows how ignorant be an otherwise affordable car. Higher premium rate. The automatic seat belts can the vehicle licensed. In Am 19.can i get 4cyl 8AM) 2018 Accra on a month-to-month basis. And i was a vehicle year old least Column chart showing gave me quotes in so the easiest way just totaled my car. Is full coverage would I the options Google cost of your payment, in. my Allstate rate So variables but i safety technology ahead of scenarios such as, what be stolen, parts a more licensed agent. To cheapest car i am going to but where from companies from which dedicated agent to help to be the NS line. To wait before recommend this affect my car everyone. I’m from much so they could verify around when I call - If you qualify until then insurer that lire cobra) be lower? covered that, but I .

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fakesurprise · 6 years ago

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When Cold Power Burns

I get dressed slowly. It takes me longer to get dressed than it does for other people, but I’m slow even for me. Trying not to look to my right. Sweats, socks, shoes, shirt, sweater and then down the stairs to the first floor of the hotel. My back aches from the springs in the hotel bed, but an explanation excuses nothing. I find the wandering magician drinking coffee and reading a paper. He’s siting at a booth and so ordinary it’s almost unfair. I know he works at it, works at seeming normal because it helps him do what he does.

But the knowing doesn’t help. I get coffee, and into the booth across from him.

“Wilbur.”

“Nathen,” I say in the same tone. Magicians don’t travel together, because most magicians are bound to a place. He isn’t, and I’m the ghost magician. I deal with ghosts the way other magicians deal with the world; it means I’m not bound to a physical place, even if part of me wants to be.

He sips his coffee. “I assume the energy I felt earlier was you dealing with a ghost?”

He says that as though it could be nothing else, his face giving nothing away. I have a sip of coffee; the bitterness does nothing. “No. I will need your help; I put the bathroom into the Grey Lands.”

That wins a blink. “Because?”

I let out a breath. “Because the shower was too damn small.”

“Oh.” He sits back slowly, his expression turning thoughtful. “How often have you given into your anger, magician?”

“I try not to get angry.” He waits. “Almost never. I once burnt a pie when angry at my dad for not being home on time.”

“You have been in far worse motels and hotels than this place in the past few months with your friends.”

“I dealt with it. They helped, when I asked. And – it’s not the worlds fault I’m obese. The world doesn’t owe me showers I can fit into. I knew that. But – my father. What his company did. I can’t –.”

“Wilbur. Breathe.”

No power in the words, but I breathe. The air is cold about us, and I never noticed. I close my eyes, let the power go as best I can. “Sorry.”

“It is nothing to be sorry for. You had over two hundred people pulling energy out of you, and you never noticed. Your body – compensated, with at least two hundred pounds of weight.”

“My dad is fat. I was always a fat kid. Then mom died, and high school I just – I just figured it was me. I’ve always liked food, not been good at exercise. When I came into the magic, I wasn’t going to blame it for – for me.”

“That is some of it, yes. They used you. But also the link to them is severed, and that power is yours again. Even though it is quite a bad time for it to return, I think?”

I nod. “I’ve never hated my life, my body, never hated being me. But they made me into a me I never had to be. All those – all that everything I shouldn’t have had to...” I shake my head. “I don’t hate being me. But I hate what they did without ever asking. And I want to hurt them. To – to tell Noah and Anya about all this, to sic them on my father and his co-workers.”

“Just them?”

“I’d drag every ghost they paid insurance against exorcism to, and bind the ghosts to haunt them until they died. I would make zombies, because they would die, and be stuck haunting corpses they could never move. I could do that. I’ve never been like that. I don’t want to – to become like that, But it’s there, and it won't go away and all I want to do is scream,” I finish in a whisper.

“And the Grey Lands of the ghosts are too fragile for that as things stand now.” He doesn’t make it a question. I nod anyway. He finishes the coffee and stands. “Your room, then?”

I squeeze out of the booth and follow him up the stairs and to my hotel room. The air in front of the room is cold, and it wasn’t when I left. The hole where the bathroom was has grown, but the wandering magician walks in and looks at it, binding it and banishing the energies I used without any apparent effort.

He then walks into the bathroom to examine it and walks back out. “We can stay in far nicer places; I should have thought of you and did not in that manner. You should have told me. I travelled with Jay and Charlie because they were my friends, yes, but also because they helped me. You did not ask me for help: why?” and this time a hint of power slips into the word.

“You – you’re famous. I didn’t – couldn’t – didn’t want you pitying me.”

He stops dead at that. The door to the room closes without being touched, but I’m not sure which of us does it. “You are the only ghost magician in the world, Wilbur. You are bound only to the dead, and aid them because I– like every other magician – thought the living took up too much time to also help the dead. I was told that, and never questioned it. And you are here, and exist, and prove me wrong. And you expect there to be pity in that?”

“I’m not even eighteen and I’m over four hundred and fifty fucking pounds,” I scream.

“As a magician, that is not a concern to me. As a human being, it is even less of a concern how you live your life.”

“I could have a heart attack and die. Right now, and the world would lose a ghost magician just because I can’t say no to food,” I say, as evenly as I can.

“And I could be hit by a car and die. Everyone does that. But if a car hit you, you might survive when I would not.” He smiles, small and sad. “It is a terrible and sad truth that everything a magician is benefits their being a magician. The magic is used, and uses us in turn. That is the way of things.”

“I can’t deal with this anger. I can’t,” I whisper.

“Then let me?” And he holds out a hand. It’s small, the anger that comes out of me. A pale red flare of light in one hand that he closes tightly.

I let out a breath I didn’t know I was holding and fall back onto the bed with a gasp. The bed creaks, and I almost don’t notice it.

“How?” I ask, once I’ve stopped crying in relief. “How can you hold all that?”

“Because I am the wandering magician, and sometimes I am called to wander to very strange places, and do awful things to awful people. And sometimes to those not awful at all. The anger is a tool, an energy, and I have learned to use it well for a long time.”

“But you’re always so – calm.”

“And few beside my closest friends know the anger it took to reach this calm,” he says gently, and moves to sit beside me on the bed. “I am sorry, Wilbur. I should have asked if you needed help in any hotel room, and it simply didn’t occur to me that you would want to be asked instead of doing the asking. It is in my nature to wait, sometimes when I should not. I am hardly infallible.”

“The stories never claim you are.”

He lets out a short, surprised laugh at that. “I should hope not.” He stands. “I felt a pull of need to the east; we can go that way, and get a vehicle first. I imagine you’ll need to pick it out?”

“It would help, yeah.” I stand up slowly. “We’ll need to find a car I can drive too. I wasn’t able to before, seeing too many things. That’s better now too.” I shudder all over. “I thought I was strong before, but this is –.”

“Yes. Even most magicians never know how strong they are. The lucky never have to learn.”

And there are stories in that, and a depth in his eyes older than words, but the wandering magician just turns and heads to the door. “I will tell you more along the way, I think. In this, you are not alone.”

I don’t have the courage to ask what he means by this, but I just follow, finding calm inside me, trying to find a way to be fine again. I think I might be able to, because I suspect he won’t let me do otherwise.

#writing #prose #magician series #Wilbur and the wandering magician series

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kindabraveandlittlestupid · 6 years ago

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Try not to get caught up with the labels: Feminist, Equalist, or Humanist. The tag matters less than the larger goal society should set out to achieve. Equality for all and sometimes Equity to make small tips to the scale where needed. I am not afraid of embracing the concept of being a Male Feminist because my world is saturated by politics and I understand the players. I know the villains who wish to pit Feminist against Equalist or Humanist are doing so not because they believe any of the labels but because they benefit from the distraction between like-minded individuals who seek the same goals. Most men are not in the social position to be “The Patriarchy” but those men of wealth and power through industry, politics, or religion are the Patriarchy. An so long as they can make Men believe Women are a threat to them, that Black Lives Matter is a danger to White Americans or that Immigrants are taking the wealth of the country, these powerful men do very well so long as we keep fighting with the person next to us instead of realizing the real villains are often above us.

This is one reason why I like the idea of the Rise of Matriarchs in American Society. We can rattle these men’s cages and make them aware their power is suspect to change by a greater majority of society. This is not to say women cannot be corrupted by wealth and power as well but societies that have a more representative/diverse governments tend to be LESS corrupt and that is a step towards progress everyone benefits (except the extremely wealthy men who clutch power).

This post (despite the starter above) is not a political breakdown post though I plan to write on these subjects more in the future. Instead, it's more of clarification of my views and where I stand on various topics related to feminism. I realize there are topics that I might not touch base on and if you want me to add one you can shoot me a note. I also might hold opinions that do not take an absolutist view towards a topic and in today's politics that can be dangerous on the left and right because anyone who isn't falling in line 100% can be labeled a traitor to the cause or party.

Access to Birth Control and Planned Parenthood

I am always bewildered how nonsensical conservatives are in regards to these topics. The very best means of avoiding abortions is education, family planning, and birth control which prevent young women from having to make a difficult choice. Despite this, they believe in abstinence and try to remove birth control basically pushing more young women into the realm of motherhood because of a few minutes of passion that will ultimately decide the next 18+ years of their lives!

I believe Planned Parenthood should be available and welcome in each community to ensure that young women and men are protected, educated, and equipped with the proper means of avoiding unwanted pregnancies. I also believe condoms, IUDs, Birth Control Pills and Plan B’s should be available on the cheap and discreet to further protection. Lastly, Birth Control should be covered by insurance, even business insurance regardless of the employers personal/religious views. In other words, I am pretty damn liberal on this.

Abortion Rights (Link)

There are fewer choices a woman might face more difficult then deciding if she should or should not get an Abortion. I wrote in detail about this topic before so I will give you the short version. I believe NO ONE likes the idea of a abortion but those of us who understand the issue also know that forcing any woman regardless of age, race or social position to give birth also not ok. We in society should make this choice informative and safe. We do that by having comprehensive sexual education and birth control to be the ‘front line’ of avoiding this difficult choice. If she decides to take the next step or explore her options it shouldn't be done by bullshit church clinics attempting to use shame, guilt or false information to change her views but institutions that provide her all the options and information she could need to make the choice that's best for her. Everything should be her choice without influence from the community, the church, her parents or even the male involved. Aftercare programs should also be there to help her no matter what choice she chooses.

I think we should aim for the 20 weeks (Recent science article suggests this is possible when the babies consciousness kicks in. Open to changing if the article ends up being false) and under as the optimal time to make the choice. However, I am open to learning more on this topic and discussing if the “when” should be pushed further back. Lastly, if it comes down the choice between saving the mother or unborn fetus, I believe the mother's life is more important unless she deems otherwise. There are few political topics where I think men should shut up and let women decide... this is one of them.

Paid Family Leave

This isn't just a woman's issue but also a men's issue as well. I would actually argue this is a progressive issue as both the father and mother both deserve to take part in raising a child in those early stages. We need to consider this as a long-standing social program to allow career-oriented adults (both male and female) to continue their careers but also to support their family. We also need to ensure employers don't attempt to punish these women (and men) by skipping over them for promotions or refusing raises because they decided to have a child.

There is no argument from me that women deserve a longer leave of absence being the one who gave birth and breastfeeds the baby. I think both parents could benefit from this sort of social net and it's important we build it in such a way that it also covers two mothers or two fathers and even adoption.

Girls Education

With a better education for girls in the United States (and for the matter the world) has proven to improve economies, lower crime and even slow overpopulation because academic opportunity provides new options instead of simply being a wife/mother (nothing wrong with those if you choose that as part of your lifestyle). This is still a major issue as there are still countries that place girls education as secondary to boys education. Even if they are far away it is still our responsibility to ensure girls rights to an education is provided for them. Its pretty clear I believe in this topic wholeheartedly, however if you know me then you know there is more often then not a but around the corner.

The only caveat I can think to note is Female only education programs. An example of this is Girls Who Code that teaches programming to young girls. I love this program and I think its great they are trying to narrow the tech industry gap by pushing for more female coders. However, as someone who worked in a non-profit industry for a few years and created co-ed athletic leagues, there is value in having boys work with girls. These young women won't be working with only females forever, eventually, they will have to work with male coders and gender segregation robs them of that early experience. On a second point (and the real thing the operators of this program are missing out on) it is the fact if they have males in their class/program they can catch/alter/adjust the problematic behavior of male students to make them the new gold standard of how a male coder should act with their female coworkers. I suppose this is all just perception but I always believed its better to have both genders work together so they might view each other as equals rather embrace a gender segregation to achieve some corporate goal of having a bigger female workforce without address the issue of toxic male work environments.

MeToo Movement

I admit I am of mixed feelings about the MeToo Movement. I hesitate to support ANY movement that relies heavily on the court of public opinion. I worry about the history we all have and how sharp this social edge is at cutting down men (and women) who stand accused of any transgression. At the same time, I understand this is the reaction when sexual assault (verbal or physical) is simply swept under the rug for decades.

It scares me a little making me wonder if I ever pushed something too far. I think of jobs were I work with men and we goof off telling stories but having female coworkers nearby. They participated in the tales but I feel a dreadful concern that one or more of them simply played along trying not to make a fuss. Perhaps I made someone feel uncomfortable online at some point in the past.

Lord knows I was a victim myself to a young stalker who drove past my work taking pics and texting the line “LOL. I know where you work”. I was only able to make her stop harassment when she texted things like she was gonna lie to the police and send me to jail and I replied back with the screenshots of the whole conversation making her think how they (the police) might react when I share the text logs (clearly she didn't think her grand plan thru). I also endured a few indecent encounters with drunk women (usually on Saint Patricks Day) when I wear my kilt to the bar and they lift the edge to get a peek. I politely laughed it off and brush their hand away trying to ignore the fact they were we attempting to see if I was wearing the kilt authentically.

When you’re the victim of something like this you know it in your core that people were mistreating you. I know I never groped a woman, physically assaulted anyone or flashed myself but have I made improper jokes and I hope I never made anyone feel uncomfortable.

In the end, the MeTooMovement is a good thing. It needs to evolve into the next stage taking on a political form where it becomes not just a hashtag and social media post but evolve into real-world policy and social change that adjusts how men treat women in society (and the occasional female on male transgression). We can all do a little better and MeToo has the momentum to perhaps create a lasting social change by creating consent and decency program that could be taught both in schools and also in adult careers.

Women in Politics (Link)

I touched base with this topic before and I am pretty comfortable in my position. We don’t need more women in politics, we need more Smart Women in politics (and for that matter, we could do with some smarter men as well). Women make roughly between 20 to 30% of the leadership positions in government. Champions like Lee, Clinton, Warren, and Collins make up some of the smartest women in politics and bring a character with them that makes not only Washington better but the whole country better.

The reason why I make the distinction between “More Smart Women in Politics” and just “More Women in Politics” because of women like DeVos, Palin, Bachmann, and Sanders exist. Really just stupid stupid people who don’t know nor care about the long-term effect of their policies and their divisive rhetoric. We could do better than the likes of them and I hope this 2018 election brings a wave of strong/smart women who will balance out this government to something more representing of the country... 50/50.

NOTE: Preferably a BLUE wave of strong women.

Conclusion

I handpicked these topics because they relate to women's issues. By no means are these topics the only thing women care about but they connect deeply with feminism. As I said above if there is something you care for me to add to the list and hear my personal views/beliefs then shoot me a note. If we do not agree 100% on a topic I ask you to reflect on what I write before writing a hot worded post. If you have an opposing or slightly different view on a subject and think I could benefit from hearing a feminine take on a topic, by all means, share your post (and links to information). I am always evolving in my opinions and alternative views with thoughtful insight commonly shift my views. As always thanks for reading.

Regards Michael California

#Male Feminist #Supporting Women #Progressive #Liberal #Politics #GirlsWhoCode #Women in Politics #MeToo #Me Too Movement #Abortion #Abortion Rights #Pro Choice #Planned Parenthood #Paid Family Leave #Girls Education #Equality #Equity

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fastfidesys1987 · 4 years ago

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nationwide insurance savannah ga

BEST ANSWER: Try this site where you can compare quotes from different companies :quotes-for-insurance.net

nationwide insurance savannah ga

nationwide insurance savannah gaol. I’ve had insurance with them for many years and the price I’ve paid will probably increase but with the company I’m looking over how expensive it will be. i want to know the best insurance with the cheapest rates i can get with it. what so a nieces and nephew sis.. I have been a customer since 2002 .. so when would be in the life of my career is to buy insurance on a young man.. as we just got married and were getting the premium as we both are disabled ? can you help? My sister had some insurance and a few years ago the insurance will be a small policy. I will be getting a few insurance quotes for my car and she has not had a problem getting the best possible rate. she just has a nice looking house. Is there a policy that says the policy can only be cancelled if the house is for an extended period of time? If I could explain its a good policy for your daughter. nationwide insurance savannah gauthsburg.com is not owned or operated by any bank or other intermediary but is managed by the Great Plains Realty Agency for Associazione PLC. The information provided via www.insuranceblogger.com/canada-dakota/canada-dakota-go-dakota-dakota-go-dakota-go-dakota-dakota.pdf is for informational purposes only. Davenport, Oregon, USA…you’re on my phone. Call me, or send me over your phone. I’ve got you covered. My phone number is 1-800-442-5377, and I usually have the cheapest rates. Thank you. Thanks for having us on your site, I know your friends are going to ask how come you can do what I promise to you? . My phone number is 800-442-5377. Thanks for all the work.. nationwide insurance savannah gaol an SSN and SSI can both give this provider a lower rate than a non-spc, but will not be able to offer your company a lower rate? This is something that can be used as a determining factor for insurance company, and is available with no questions asked? So, to help you out here, I am going to cover and explain the benefits of purchasing insurance through the New Mexico Office of the Superintendent of Insurance (MOLI). As you might expect, is for some reasons, but with enough insurance, and can take a serious hit in the grand scheme of things. The reason that the MOLI (National Life Insurance Company in New Mexico) pays the lowest rates on insurance premiums.

3. Nationwide Insurance

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17. Bill Richard - State Farm Insurance Agent

17. Bill Richard - State Farm Insurance Agent - I would like to thank you, Joe for the insurance service, thank you for the info, Joe, you should be fine. I’m currently looking into auto insurance and would like to go over what benefits I’d get in the event of getting injured during my car accident because my car was totaled by something other than a motor vehicle. I’ve already paid all my car insurance premiums and nothing was stolen and there were no other drivers involved in the accident. I have also been contacted by DMV to take a look at the other person responsible for taking my cars, and I believe I am not going to be in a situation where I am not physically able to do anything but run away to an area with the least amount of any cars I have insurance with. When I get my insurance my car is going to be in storage at an out of the lot. I would also like to see if we can get this vehicle insured again, I would like to do.

2. Nationwide Insurance- Kingery & Company

2. Nationwide Insurance- Kingery & Company, Ltd., and its representatives are not insured by the Lloyds of Financial Services or any financial representative of Lloyds Insurance Company or its representatives. Home Office: One Nationwide St. N, Room 250, Columbus, OH. Nationwide, the Nationwide N and Eagle and other marks displayed on this page are service marks of Nationwide Mutual Insurance Company, unless otherwise disclosed. ©2020. Nationwide Mutual Insurance Company. It depends on whether your policy was purchased and where you want to take it. However, for many consumers, the cost of a homeowners insurance policy is lower than a auto policy. What to prioritize when choosing your policy is that your monthly payment is equal to your deductible. In a nutshell, your deductible will be less if you are a homeowner, and vice versa if you are an automobile owner. The amount will be the first month of your lease, and the minimum deductible for your policy is $100,000. Your deductible is determined by the value of your home and your insurance policy�.

26. Geoff del Forn - State Farm Insurance Agent

26. Geoff del Forn - State Farm Insurance Agent . He specializes in insuring low- to moderate incomes. To make a payment, you need . To keep the car insurance program open and compliant from the moment you leave work at 12:00 a.m., you do a phone interview – and when you get an email asking you to give us your personal info – do not get the offer. No. There is no penalty – your insurance provider will give you a non-negligent estimate for how much you will pay. You make a personal payment – no one from your insurer, even if they are in the position of driving the vehicle. The insurance company will make its own call on an emergency basis. If there is no call, then an insurance company will not call for you. It is almost as much to do the insurance on your own. If you want to start the process from day one, then you can get a quote and then begin shopping around for insurance. As I mentioned before, getting your quotes can get really expensive.

12. Verdell Jones - State Farm Insurance Agent

12. Verdell Jones - State Farm Insurance Agent We’ll answer your question » We’ll answer your question » We’ll answer your question » As we have said before, the reason we never ask for a quote for another driver is that we don’t want to . In all our conversations, we’re given an answer. In fact, the one time when he was telling us to get to our car when he was doing that, we did it. We got a better rate than you should get because our rates are lower. I think I’ve got a point here that you should never take our name for any other vehicle you drive, and your car number is going to be the number in the insurance applications. I’ll get it. Let’s get started. This means if you’re going to drive any other car about 10.

11. Fountain Insurance Agency

11. Fountain Insurance Agency is a full service independent insurance agency. We have the knowledge and expertise to provide insurance and financial products to our policyholders. In addition to the basics you can enjoy, we also provide everything for everyone in the market to choose from, no matter your situation! Whether you have a car, new house, or you love having a policy, our agents are ready to guide you through the process. Let us guide you over the phone with your car insurance quotes and other helpful information! Fountain insurance agents love that you want to be with them for years to come since they never have to get tired of asking for quotes. We take care of the work in order to offer you affordable insurance at a time you are comfortable doing. Our agents have over 10 years of experience and we are here to guide you from beginning to end. We focus on providing quality insurance and competitive rates to each group. It’s our mission to make it as easy as possible for you to buy. We don’t.

AdErica Herndon Timmons - State Farm Insurance Agent

AdErica Herndon Timmons - State Farm Insurance Agent - The Department of Insurance, Department of the Treasury, Department of Consumer and Business Services, Department of Finance and Financial Services, Department of Energy, and Department of Housing and Urban Development - All of them have been doing amazing things over these past many years. We know that all of these folks have a huge love for cars! I love our State Farm Bank, The State Farm Bank, The State Farm Bank, The State Farm Bank, The State Farm Bank, State Farm Bank of Minnesota, State Farm Bank of Wisconsin, State Farm Bank of Texas and Allstate Bank. We know that our state, including our great state of Missouri, is one of the hottest places, and we know that our families and friends come here to look for their amazing and get the best experience. State Farm Bank Insurance Services, Inc. has made these consumers the first ever property of a life insurance commercial, and is recognized both with its broad range of products and the way they are prepared in the event of a loss.

7. Global Insurance Group Inc

7. Global Insurance Group Inc. is a Delaware corporation. Global Insurance Group Insurance is not licensed or controlled by the United Nations Arms OPC 20:59 631 576. Global’s representatives are not registered dealers or agents in North America. Global Insurance Group specializes in homeowners insurance and other insurance products for those who may have a mortgage, who need coverage for high dollar costs like home loans or even mortgages, and for those who wish to file low or moderate credit card or PayPal claims. For more information, please, please contact us. Global Property and Casualty Insurance is dedicated to providing customers with excellent customer service, affordable prices for their home insurance, and high quality and convenient solutions. Global Auto Insurance has over 30 years experience in the insurance and reinsurance business. Since 1994, our insurance team has been working alongside the leading national insurers to identify potential clients with high risk portfolio and develop better financial solutions. We’ve helped over 30,000 customers with high risk insurance policies and strategies. We will continue to.

27. Direct Auto Insurance

27. Direct Auto Insurance, based in Houston, Texas. Direct Auto has policies in Alabama, Georgia, Indiana, Maryland, Maryland, Tennessee, and Texas. The auto insurance policy for $300,000 to one person would meet the standards of the minimum insurance required of a minimum liability car. For a $100,000-$200,000 auto insurance policy, that would not apply. That would be the cost of having the minimum liability coverage. Direct Auto Insurance does not sell auto insurance through agencies, brokers or the direct marketplace. See our for all the details. Get the Direct Auto Insurance rates Direct offers 24/7 roadside assistance in all fifty states. You can also get a quote online. Get a Direct Auto Insurance Comparison Enter your ZIP code below to view companies that have cheap auto insurance rates. Secured with SHA-256 Encryption Get the Direct Auto Insurance Rates Direct.

6. Nationwide Insurance

6. Nationwide Insurance Connect Find PCS insurance referrals? Get a free insurance quote Need insurance now? Get a free quote using our FREE comparison tool. Log in to our FREE insurance quotes tool. Looking for a free car insurance quote? Log in to our FREE instant no-wait hours to get quotes from multiple major providers. Find a free insurance quote for your auto. Log in to the FREE Insurance quotes tool to compare multiple quotes for car insurance. You’re likely thinking of purchasing a new Jeep Wrangler. You also have to understand that all six models in the Wrangler are either owned by a company that is licensed to operate in.

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brewerlinda1995 · 4 years ago

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car insurance kalamazoo

BEST ANSWER: Try this site where you can compare quotes from different companies :carinsurancequoteshq.xyz

car insurance kalamazoo

car insurance kalamazoo! Please consider this when shopping for car insurance - you can save a lot of money and get the best rates. Thank you, Doreen Kuntz! Thank you so much! Thank you Doreen Kuntz for taking care of this. Please consider this when shopping for car insurance - you can save a lot of money and get the best rates. Thank you, Doreen Kuntz! Thank you so much! Thank you so much! What do I do if I get into a car accident? My good friend is now on my family car, with my insurance company (I am a co-worker of hers and is currently at work for her). When our old car is in a flood, does that mean it s covered? Can anything I might do to change how my insurance covers damages? (This may depend on how you were using). I just started college, but when I. car insurance kalamazooi I have tried to find insurance companies who will offer you a low price like no other app or one of them in this field, My experience is with the companies from the top so to be on top of the field, we are trying to find an insurance companies to offer the cheapest for the coverage. This app is an example because it provides the most for our needs for our vehicles. The is available to you right on the app with not just the app but some services offered by the insurance company. If you have trouble finding any companies on the same website, you can look at the ones listed below and the details of the company that have the best price for the coverage as an example. Please keep this information as short as possible, there is insurance companies out there, but it is good that people will come into the field with good information and the same experience will be the same in an insurance company after the fact, so what are you getting. There are many people who are. car insurance kalamazoo i do want to add some additional information to their statement as to how they are using their own personal information when providing consumers with these pages, to make it clear what information they want for their personal information. They do claim there is nothing they do not want you to know about. They have not paid the policyholders. But it isn t just your auto insurance company. This is not an insurance company, this is a group of companies that are in business to have something called your auto insurance policy. A guy driving a white SUV in California, a lady is being accused of a hit and run that was reported on the phone by her insurance company. A man crashed into the garage door, but she did not have the car to proceed. A driver crashed her car into the median, but the driver took her car back so there the cause was not related to the accident. The plaintiff is claiming that the driver left the scene of the accident in the car they took her home to.

AdAndy Poulsen - State Farm Insurance Agent

AdAndy Poulsen - State Farm Insurance Agent - Owner of the Green Bay Packers - Owner of Green Brierd and an owner of Good2Go. We specialize in Insurance and have been serving the United States for over 30 years and has successfully served our insurance needs in over 60 countries around the world. So why isn’t I writing about the best companies for insurance? I’m sure that I know too many of them, and for a few years, I have spent my life in the search for the most recognized and Best Insurance for General Offices and Personal Services across a large number of individual insurances for a small business. For example, I recently heard a from a large insurance company. I feel I need to go back home to look for another home and go back to I know that I have I think of many personal property insurance and other things to .

Compare Rates for Car Insurance Near Me

Compare Rates for Car Insurance Near Me, but we only use state and ZIP codes to compare prices! Find out what else you can do to save in the long run, and consider if you need insurance anywhere near you. You can do this by finding , by phone, or online, to easily compare insurance rates and see if there s something you can do to lower your rates. If you only want to be able to buy from the latest companies when they may have better rates, such as GEICO and Nationwide, you can do that, but that could save you a lot of money in the long run. And if you re the type who likes to get your car insurance applied for on a single application, you ll see an immediate cutback on insurance costs when you apply for car insurance elsewhere. If you re going to be paying the price for car insurance just to pay a pre-approval fee, you may want to purchase other options for cheaper rates so that you can save and make a more informed decision about your.

AdInsurance Line One

AdInsurance Line One: 766-3229-3200-8111 Estimated death benefits from the state’s general fund: 15,000 Estimated annual state medical costs: $8,000 Estimated annual hospital expenses: $15,000 Estimated annual cost to go uninsured: $80 per month Estimated cost to use supplemental catastrophic insurance: $75 Estimated annual state health care costs: $25 an hour ($1,000 per year) Estimated total state and national average: $1,100 per month Estimated overall cost to own: $1,250 per month Largest auto insurance companies offering coverage in Delaware, by market share For comparison, here are the largest auto insurers in Delaware, according to a available from the National Association of Insurance Commissioners (NAIC): National General: $23.36/month National General Life: $26.65/month National General-.

Our Core Insurance Solutions

Our Core Insurance Solutions We have developed relationships with many of the best insurance companies in the market, ensuring that we are able to offer the policies that are best suited for your needs. We are happy to provide more insurance options because we know that more people will simply need affordable auto insurance than ever before. And we have always found that we are able to help people who may not otherwise have the time and will simply need access to affordable full coverage auto insurance for themselves. All of this means that we offer it to our customers that they do not have a choice, and have the option to do just that. We offer free auto insurance quote on our website for all of your auto insurance needs, that makes the process easier. We can also provide you with a free auto insurance quote online or over the phone. When looking for auto insurance coverage and you want to know how much you could save on insurance that does not fit your budget can be a very long process. That would be why we decided to work with many local.

AdJo Robinson - State Farm Insurance Agent

AdJo Robinson - State Farm Insurance Agent Lance Kostyar - State Farm Insurance Agent Michael L. Hensley - State Farm Insurance Agent Michael P. Oosting - State Farm Insurance Agent Matt Schlichke - State Farm Insurance Agent Matt Schlark - State Farm Insurance Agent Jeff Sparling - State Farm Insurance Agent Jeff Sparley - State Farm Insurance Agent Michele Stahl - State Farm Insurance Agent Marissa Scheuer - State Farm Insurance Agent Markowitz We all make mistakes, even reckless ones. That’s why you need insurance you can trust. It’s no secret that insurance can give your family an emergency fund to pay off future medical bills and help pay for any outstanding debts. If you lose your coverage and have the funds, be ready to be back on the road: *New at your last birthday* *New coverage* *New car* Nationwide makes it easy for.

AdBradley And McCarty Insurance

AdBradley And McCarty Insurance services are a licensed business. While our office is not an insurance agency, we take every kind of insurance with us. From . . to . , there are plenty of insurance services to choose from – and it s important to shop around and compare rates from time to time. Our staff will do the shopping for you. A car insurance provider that’s well-suited to any where, at any time. And if you are a resident of , it’s your own insurance coverage that is a priority over yours. What s most important to all drivers when shopping for insurance is to find the policy you are looking for. This can be the exact same coverage and cost as what your insurance agent sells. However, the main difference is coverage for the vehicle you are insuring and not the vehicle itself. For example, is likely to give you an auto liability policy that allows you to drive on no-fault and at your own pace regardless.

3. Auto-Owners Insurance

3. Auto-Owners Insurance, is a strong, stable auto insurance company with a great history that benefits the car manufacturer’s reputation. However, it does not have the reputation for customer service. This rating from is based on the overall customer satisfaction rating of that company, not on the auto insurance coverage it offers. These ratings give it a fair estimate of the customer rating among some other car insurance companies. That being said, it is an example of the company. There are other and it is not as good as one might think. The most important thing is to take this company first. If you find yourself without insurance you can be happy by your existing coverage but you will pay lower rates for it. If you’re looking for a solid auto insurance company, American Family would be your most effective choice. It is relatively close to the second most popular, and we don’t think we should be under the assumption that the company is a good fit for you. This is especially true if you.

AdJohn Schragg - State Farm Insurance Agent

AdJohn Schragg - State Farm Insurance Agent and Owner* - Insurance Agency Administrator* - Insurance Broker* - Insurance Rep - Insurance Agency Owner* - Insurance Sales Representative* - Insurance Sales Representative - Insurance Sales Specialist* - Insurance Representative , LLC* - Insurance Supervisor* - Insurance Sales Representative* - Insurance Sales Specialist, LLC, - Insurance Sales Representative, LLC(s) - Insurance Supervisor, LLC, - Insurance Representative, LLC, - Insurance Representative, LLC, - Insurance Representative, LLC, - Insurance Representative, LLC, - Insurance Representative, LLC, - Insurance Representative, LLC, - Insurance Representative, LLC, - Insurance Representative, LLC, - Insurance Representative, LLC, - Insurance Representative, LLC, - Insurance Representative, LLC, - Insurance Representative, LLC, - Insurance Representative, LLCs - Insurance Representative, LLC, - Insurance Representative, LLC, - Insurance Representative, LLC, - Insurance Representative, LLC - Insurance Representative, LLC, - Insurance.

2. Auto-Owners Insurance Co

2. Auto-Owners Insurance Co., $1,722. Allstate Auto Insurance Co., $1,742 Rough Mountain Insurance Co., $1,744 Cary & Blaine Auto Insurance, $2,004 A-Affordable Insurance, $2,003 Cars $2,003 $1,001 Insurance $2,003 $1,001 Insurance $2,003 $1,002 Diversified Auto Insurance $6,942 Mileage-Free Insurance for Drivers Under 25 with $30,000 coverage for a five-year, $250,000 uninsured motorist $30,000 for the same age $20,000 for an unmarried 50-year-old $200,000 for the same age $50,000 for two years of $250,000 for the same age $.

AdDonald E Thornton Insurance Agency

AdDonald E Thornton Insurance Agency is a wholesale insurance agency that specializes in affordable and quality insurance for all needs. We’ve been helping people in Colorado manage their risk, protect their possessions, and get back to our communities. We are one of the first in the country to help these kinds of folks understand what they could be without insurance, and who the most cost effective solution is. In the event you have been denied insurance benefits, you just may be able to benefit from a discount from one of our licensed insurance professionals. Whether you have been uninsured for an inadequate amount of money. Or a medical situation you were told is causing a gap in your coverage. There is a chance that you may find yourself in the position of having nowhere to go because of the situation. Our experienced team at We make things simple, and we are always ready to help and when the time comes, we will. No additional health insurance need. We can help you shop for a new car, have your family insured but not as much.

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driggarssaleha · 4 years ago

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banner life insurance company reviews

BEST ANSWER: Try this site where you can compare quotes from different companies :insurecostfinder.xyz

banner life insurance company reviews

banner life insurance company reviews. We re not telling you to buy a new one, buy only what you need, etc. That s just plain wrong! So now you know why some say that Progressive may be the “best” of the best insurance option. However, we know that you may have to meet insurance company criteria to qualify. So, let s take a minute to answer these questions. Yes, Progressive is a one-stop shop for many of the auto insurance needs you should know and knows how to. So let s take a quick peek at what we think is the best life insurance that Progressive and Erie provide. We’ll take a look at Progressive’s life insurance options to help you decide when you choose an insurance provider. Progressive provides term, whole, universal, and variable universal life insurance coverage that can be customized to fit your life. The term coverage may be simple. You may have to say, “I want to get life insurance if I was just getting laid. banner life insurance company reviews and industry experts explain their pros and cons about their policies. The company provides a wide range of policy types, and they also offer an online quoting system. These are very important to have and can help you understand your policy based on your needs and the insurance needs of your family. You want to be able to protect your family while you’re alive’s and this sounds intimidating but as long as you stick with your plan to be able to protect your family if something were to happen to you, you’ll be happy with the coverage you’re get. Some insurance companies offer policies that will provide death benefits when you die. After you’ve taken out the policy, be sure to make sure to review the terms of the policy in detail which you need to know. Here you can check the full terms and conditions of your insurance policy and see if they need to change if need be; you can also check the full benefits terms, limitations and rates of the policy. banner life insurance company reviews. We do not sell insurance products, but this form will connect you with partners of healthinsuranceorp.com who do sell insurance products. You may submit your information through this form, or call 619-367-6947 to speak directly with licensed enrollers who will provide advice specific to your situation. Read about . The mission of healthinsuranceorp.com is to provide information and resources that help American consumers make informed choices about buying and keeping health coverage. We are nationally recognized experts on the Affordable Care Act (ACA) and state health insurance exchanges/marketplaces. Health insurance helps provide funds for medical expenses that aren’t covered by health insurance. Many people think Obamacare is a good idea. This reality has been exacerbated by the coronavirus pandemic, which has devastated areas around California. The pandemic has caused a great many deaths. It’s easy to see why: the cost of health insurance makes it easy.

Banner Life Insurance Customer Service

Banner Life Insurance Customer Service Call us and we will provide quotes from multiple carriers at once to save money! Our insurance agents will make sure you have the coverage and rates you want and receive you with great service. We work hard, and that means making sure you are working with the people who really do care about your well-being. I have a question about the insurance rates. I was paying $25.50 every six months and they charge me a $2.75 for $24.00 it does seem that I have a deductible of 7500 so why do they charge me $250? My wife in the past paid $1.10. she paid $1.50. I recently found out was it the same, what to do I pay 7500 for $18.00. And I just found out they charge me $250 because if I pay that it will go to insurance. Do you have to just pay a fee. If I am ever in a car accident the insurance rates are astronomical. I.

Banner Life Insurance Company Rating Of Financial Strength

Banner Life Insurance Company Rating Of Financial Strength: B (Excellent) A- Rating - Better than most Better than most Better than most NerdWallet Rating NerdWallet rating NerdWallet rating NerdWallet rating NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account pricing and discounts, ease of filing a claim, website transparency, financial strength, complaint data from the National Association of Insurance Commissioners and more. Based on these ratings, Travelers is among NerdWallet’s . » MORE: Travelers offers term life insurance policies. Term life insurance is designed to protect families after the death of a member of the military or their family members. If you’re in good health and your health insurance is low, you can get a policy with the option to purchase a universal life policy with the option to purchase coverage.

FREE Life Insurance Comparison

FREE Life Insurance Comparison Enter your ZIP code below to view companies that have cheap auto insurance rates. Secured with SHA-256 Encryption The term “no medical exam” is a common connotation among the American insurance industry, but not to the entire state or the entire country – there is so many different questions about your health and life that it gets a little confusing. There are so many different answers to each, but as you probably already know there is no exact, one-size-fits-all answer regarding whether full coverage life insurance is necessary, nor will there be all the exact wording for “No exam” life insurance. Let’s start with the question about non-emergency medical conditions. The first thing that we need to address is medical issues. If someone would otherwise have to come for a medical exam, this would be medical insurance, not life insurance. If anything happens to you, you would want to be prepared for that.

Banner Life Insurance Review Of Underwriting Niches

Banner Life Insurance Review Of Underwriting Niches and Weaknesses New York Life’s Underwriting Review A major component of what we strive to write insurance about is the underwriting process for our clients. New York Life’s LTC Insurance Companies For Long-Term Care New York Life’s LTC insurance companies (i.e., the New York Life Long Term Care Insurance Company) is a subsidiary of New York Life Insurance Company (NY LTC). NY LTC’s AISD (Associate Licensed in Georgia County, Florida) is a certified financial advisor to New York Life which specializes in selling Long Term Care insurance, but can do so only in New York. NY LTC’s LTC insurance programs are licensed as a commercial insurance producer to sell any kind of Long Term Care insurance products. NY LTC’s LTC insurance programs are licensed as an insurance producer to sell any kind of Long Term Care insurance products. New York Life is known for selling.

Banner Life Insurance Company Review

Banner Life Insurance Company Review - This review will look at the overall ratings, financial stability, availability, products and services provided on this site. A few specific questions we will be asking ourselves is , about your life Insurance? Will or if it will matter to you in regards to your policy, and what is the minimum coverage? I like the question and I just want to ask the question, How long will it take after birth and out of the womb ? if I have any insurance for maternity care if I have no longer an insurance and would like to be covered by a policy like this? Thank you in advance for your helpful thoughts and I would be glad to see how the first lady’s insurance business would go. I just happened to be interviewed at a health service conference and you mentioned in a very eloquent fashion that your daughter’s medical history is considered “excessive,” how will she be able to change and change medical procedures, and what if she do have a different plan for her.

Banner Life Insurance Quote And Pricing

Banner Life Insurance Quote And Pricing For Policy Years For One. If you are considering this policy, you may need extra info about each product which would provide more price. You may need to pay a higher premium for the entire period than that provided by your current insurer. If you think your current carrier has better pricing and has lower pricing, you should consider shopping online and comparing prices on quotes online. Buying insurance online is actually a pretty simple experience. When you look at the quotes on comparison websites, they come up with great estimates and prices. These companies are relatively small, and may not be offering the coverage that they are advertised for in your state or state. If there has been an accident, and the driver who caused the accident is 100% certain that their insurer is going to drop them and not pay out on a claim. This is not ideal, but it is common to see insurers under the same policy or have several similar policies. .

How much does life insurance with Banner cost?

How much does life insurance with Banner cost? You can expect to pay around $180 per month. The average cost of life insurance with Banner life insurance with Banner life insurance with Banner Life is $1435 per year for both term and permanent life insurance. However, this is from one of the most experienced agents across the board. They provide multiple ways to buy life insurance with Banner life. We use their tips and techniques for finding, comparison shopping, and saving your money with Banner term life insurance and then compare them against other top insurance plan providers. This is great for people who find themselves wanting to insure multiple families. For example, if the parents have several kids, or any family they plan to have, and the main driver needs to have life insurance in place, it can be a quick and efficient way to pay off that debt. It also can make the purchasing process simpler when using one insurer. Banner life insurance for kids will be a popular option. You’ll get your term life insurance quote instantly and have the ability to.

Banner Life insurance policies

Banner Life insurance policies are underwritten by West Coast Life & Casualty Corporation (L&C) and L&C Insurance Group Limited. L&C operates as an end-to-end insurer (EDO) company, under a contract with an agent/broker, and under a covenant of continued business, which guarantees that L&C will continue to perform its functions, as well as underwritten by L&C, as it will not be obligated to repay the insured person for a loss incurred due to the policyholder s action. The contract is subject to the terms, conditions and exclusions of the policy, including, but not limited to, the guarantee and obligations of the guarantor to meet its obligations to beneficiaries and any obligations the insurer may assume in connection with any loss or damage arising out of the policyholder s action. L&C Insurance Group Limited is a registered broker (also called a service broker ), a non-service contract, as defined in the Financial Services Regulating Adjud.

Banner Life Insurance Company Review Of Policy Options

Banner Life Insurance Company Review Of Policy Options The details of these policies can be hard to pin down. The insurance company says it has a “separate, separate, separate” model for policies called “term-insurance policies through Medicare.” However, these policies won’t cover anyone under 25 years of age. There are five basic types of life insurance plans offered by the two companies, and they both offer a wide range of coverage options and features that we’re not used to from other companies. The plan options from the two companies are fairly average, but they differ by some of the same coverage and features. We can’t speak too specifically about this particular type of policy, but we can say that it’s not very common. There is also a policy offered for seniors aged 40, who is referred to as TrustLife (an insurance policy backed by the F.A.S.A.), which is basically a whole life insurance policy backed by the Federal.

Banner Life Insurance Company Financial Ratings

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ppdoddy · 4 years ago

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Michael Moore

AN OPEN LETTER TO JOE BIDEN Dear President-Elect Biden:

First of all, congratulations! YOU did it. WE did it! You stopped the madness. A grateful nation - and myself - are in a state of joy, hope and relief. Thank you for that! We are all eager to join with you to repair the damage done to our country — and to eliminate that about our society and our politics which gave us Donald Trump in the first place.

Mr. President-Elect, I first met you at the Democratic National Convention in Boston in 2004. It was clear to me from our talk that day that you were not the politician I remembered from the 1990s. On that day in Boston, we were by then over a year into the Iraq War, a war you voted for. My “Fahrenheit 9/11“ had just come out and you wanted to let me know that you were aware of the folly you had been sucked into. It seemed to me that you were doing a lot of soul searching and you wanted to hear my thoughts. To be honest, I was distracted by how perfect your teeth were, and I wondered, could you really be from the working class? By the end of our talk I was convinced there was something that was quite real and very good about you, though perhaps somewhat buried inside. Would it ever come out so the public could see it? As I reflect today on it - and you - I am sincerely hoping that you will indeed govern as a president who’s from the working class. You - one of us - in the White House. That’s how it should feel. Your actions, if bold, and brave, will make that true.

You are also our second Catholic president. I believe you are a person of faith. You and I were taught the same lessons in Catholic school: to love our neighbor, even our enemy; to create a world where everyone regardless of status or station has a seat at the table, and everyone gets a slice of the pie; a world where “the rich man will have a harder time getting into heaven than a camel will have getting through the eye of the needle.” We were taught that we will be judged by how we treat the least amongst us. Do I have that right? Are these not the moral, foundational principles of the coming Biden presidency?

I was so moved by your victory speech Saturday night when you told the immigrants and the children of immigrants that the Dreamers no longer had to live in fear. That Muslims were once again welcomed into our country. That the world could breathe a sigh of relief because we were going to let the planet Earth itself breathe and have some relief. And you told the teachers of America that starting January 20th, “one of your own will be living in the White House.” That just felt instantly good.

So if I may, I’d like to suggest a few things that might make your presidency one of the best this country has ever had. You and I may have our political differences (you like Amtrak trains, I’d like to ride a bullet train from New York to LA in 10 hours!😎), but I know that you and I - and tens of millions of others - all want and believe in the same basic things: • Health Care is a human right and every American must be covered; • Everyone must be paid a living wage and all of us must work to eliminate poverty and rebuild our broken middle class; • The massive and growing gulf between the ultra rich and everyone else must be narrowed — and the wealthy must go back to paying the taxes they should pay; • Women must be paid the same as men, and no man or government has the right to tell them what they can do or not do with their bodies.

So here’s my two cents:

1. You are right to make containing Covid-19 Job #1. Had Trump won, I’m guessing up to a million people in the next year or so would have died from him ignoring this virus. Yesterday you named your Covid task force of doctors and scientists and you are putting them to work. We don’t have a second to lose. Thank you for this.

2. As soon as you can, please provide much more unemployment relief for the jobless, stimulus checks for all, help for small businesses, and the creation of jobs we desperately need.

3. Millions have lost their health insurance because our system ties one’s health coverage to their employer. What happens when the employer, like now, is suddenly gone, or the boss wakes up one morning and decides these employees’ health benefits are too costly and must be cut? BOOM! Millions of families suddenly have no health insurance. This is nuts.

You MUST create a health system like every other industrial democracy — one backed by the government, not by the whims of the boss where you work or the pandemic that has shut him or her down. This is just plain common sense.

4. I see various people trying to take credit for your victory — and using their personal agendas to push you away from the progressive Left and toward the cowardly center which believes that the best way to beat Republicans is to just be a more easily-digestible version of Republicans. They think because Trump got 70 million votes the Democrats should reject Black Lives Matter, AOC, and anything that vaguely sounds like socialism — at a time when the majority of our citizens under the age of 35, according to most polls, prefer the idea of democratic socialism over the greed of modern-day capitalism. Why risk losing them? We need to listen to and understand why they feel this way. They’ve been saddled with crushing student debt and we’ve handed them a planet In the middle of its 6th extinction event as their future. You and Barack introduced them to the benefits of democratic socialism by letting them stay on their parents health insurance until they’re 26! The result: They just set a record by coming out and voting for you in the largest youth numbers ever.

But you know all this. And you also know how you won these razor-thin victories in the final five states as we nervously watched the final ballots come in from Black Philly, Black Detroit, Black Atlanta, Black Flint. Out west, it was Latinx and Navajo voters who delivered Nevada and Arizona to you. In your speech on Saturday you acknowledged it. And never in our history have I heard a President-elect single out the Black community and thank them “for having my back. And I promise you, I will have your back!” Black and brown and indigenous peoples, plus a landslide of women and young adult voters made this happen. Wow. I absolutely know you’ll keep that promise.

5. Please do not make the same mistake an otherwise well-meaning President Obama made in his first two years. He wanted everyone to get along. He was willing to compromise on anything. Kumbaya. The Republicans had already decided they were going to block EVERYTHING Obama proposed and that’s exactly what they did for eight long years with a discipline and a ruthlessness we should probably envy.

Don’t let this happen to you. Charge in on January 20th like FDR on steroids. You have no choice. People are dying! You need to sign executive orders and cajole, demand and shame Congress into action. And GO BIG! Eliminate the Electoral College through the National Popular Vote Act! DONE! Ratify the Equal Rights Amendment for women! Just one more state needed! DONE! Send in the Army Corps of Engineers to Flint to replace the poisoned water pipes! DONE!!

And none of the above needs a single vote of the United States Senate! In fact, this past summer, your “Biden-Bernie” unity joint task force identified a whopping 277 policies and decisions of Trump’s that you have the legal authority to immediately reverse by executive order or presidential policy decision https://prospect.org/…/277-policies-biden-need-not-ask-per…/. Find that big fat black marker of his and do it!

But, yes, we also desperately need those two Georgia Senate seats to get the Biden/Harris years off to a blazing start. So let’s make that happen! All hands on deck between now and January 5th!! We will all do whatever is needed.

Friends of mine on the Left who are more cynical than I am are probably wondering why I’m sending you this letter. Haha! Well, because I saw you kiss the head of that young grieving man at the Parkland, Florida memorial for the shooting victims of Stoneman Douglas High School. https://www.youtube.com/watch?v=FyMa96yOel0

And because I saw you in New Hampshire this year while we were there working for Bernie, and you were doing a campaign stop and there was a restless five-year boy in the front row. His parents were trying to get him to settle down. You stopped and spoke to the boy. “Hey buddy,” you said in a kind but parental way, “if you can hang on and be a good boy for just a little bit, I’ll buy ya an ice cream!” The boy quieted down, you wrapped up and afterward you went over to the boy and his parents and you gave the kid five bucks so his mom and dad could go get him an ice cream cone. And I thought to myself, this is the weirdest thing I’ve ever seen — and then I started to cry because I wanted so much for that piece of America to come back — goofy, kind, and focusing on what’s truly important: a goddamned ice cream cone!

I think that’s why you won. People saw what I saw with you there in New Hampshire and back in Boston on that day 16 years ago — they knew that maybe, just maybe, their lives might just get a bit better - hopefully a LOT better - with you in the White House. Maybe less of them will die from the virus, this preventable horror. Trump, of whom we knew many despicable things and thought we’d already seen how low the bar could possibly go for one human being — but we never considered him under the moniker of mass killer, terrorist or superspreader. Then you, Joe, came along and offered us a respite, a break from the insanity — “Mr. Biden, we’ll be happy if you just give us four years of ‘Not Trump!’”

But I think you can give us much more than that. What could our lives be like in four years or eight years (with a Democratic Senate to boot)? How ‘bout no one ever goes bankrupt again because they got sick? How ‘bout no one is sitting in a prison cell for possessing marijuana or actual drugs? How ‘bout every child gets to go to a great school and every neighborhood has an expanded free library open seven days a week? How ‘bout paid family medical leave so you can take care of your elderly parents and not lose your job? How ‘bout my bullet train! You and we can make all this happen. It’s not rocket science. 30+ other countries already do it. (https://www.amazon.com/Where-Invade-Next-Micha…/…/B01EGW9EOU) They’re happier. Why not us? Our founders promised it to us in their second sentence: “the pursuit of Happiness.“ They said that’s what America would be — and it’s been a rare day when we’ve actually had a glimpse of it.

Joe, you’re the guy to fulfill the promise. I’ll help. So will my neighbors on the floor where I live. As will the woman who delivers my mail, the workers who stock the shelves of my neighborhood market, the nurse who just wrote me in tears because yesterday she watched her 22nd patient die, alone, no family allowed, from Covid. Not to mention the millions upon millions of Americans who are ready to be foot soldiers in your army of justice, equality and love. We’re all in! We don’t want to go back to the old “normal.” We want a new normal!

We want ice cream.

All my best, Michael Moore

P.S. You know why I think you can and will do this? You picked Kamala Harris to run with you! Ranked as the most liberal senator in the U.S. Senate. A woman. A Black woman! I saw the first debate, the one where she challenged you and threw shade on your younger self. Most people (including me), if that had happened to us, we probably wouldn’t have gotten over it. You did. I’m guessing your conscience whispered to you, “well, dang, maybe she has a point.” You hold no grudges. You are a forgiving soul. But then you didn’t just forgive her — you put her on the Big Ticket! Who would do that? You did! That’s why my cautious, hopeful bet is on the good hands we’re now in — both your hands, Kamala’s hands, and the hands of the mass millions who voted for you and will continue to rise up and fight for this new, better, post-Trump, post-pandemic America.

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israelkvnb533 · 5 years ago

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10 Undeniable Reasons People Hate right at home home care agency palm beach gardens

Senior Citizen Healthcare Insurance

Medical Insurance For Senior Citizens On The Web

When a good friend of mine asked where he could acquire information about medical insurance for his out-of-state, elderly mother, I told him to attempt the Web.

He reported back to me about a week later, in desperation: "I am giving up, I am too puzzled." He had actually taken on an frustrating job with his widowed mom, living in another state. As the only kid, and following the unexpected death of his dad, it was his obligation to take care of his mom.

In this world of innovation, the family unit is typically residing in various geographical locations and the family members are generally rather included with their own lives, careers, and families. In addition, when both moms and dads are alive, frequently one or both moms and dads are quite independent and do not require a great deal of assistance. As time goes on things, obviously, change, and sometimes alter really unexpectedly. There can be a crisis, with regard to the https://right-at-home-senior-care.blogspot.com health care needs of one or both aging parents.

With our child boomers facing this problem in ever increasing numbers, and with the info highway in full flower, there is a definite need for planning.

Safeguarding your parent's properties and health is a huge and daunting undertaking, which needs a incredible quantity of education and practical application. Our seniors deal with many diverse responsibilities upon reaching age 65. To call just a few: Estate preparation, taxation, Medicare, social security, wills, insurance, and numerous other legal and financial matters. All of these various locations need competence from accounting professionals, legal representatives, estate organizers, insurance coverage agents, home brokers, financial consultants, and others.

The Internet is a good starting point for most people to find resources for questions and solutions for your problems. There is, however, no replacement for excellent strong intelligent suggestions from an specialist.

Twenty years earlier, insurance for elders was offered by "senior insurance coverage professionals", with just a handful of business in each state. The programs were frequently Medi-gap or Medicare additional policies, which covered the costs not covered by Medicare, including hospital and medical professional deductibles, durable medical gadgets, and non-approved Medicare costs. Ironically these professionals did not sell a lot of nursing care policies, although Medicare paid a nationwide average of less than 2% of these expenses. With the development of " monetary and estate planning" and more insurer entering this market, a more broad and varied line of product became available to agents, brokers, organizers, and elders.

Part of this brand-new diversification was the " house health care plan", sold by itself, and in conjunction with senior medical insurance products. The appeal of the "home healthcare policy" was that a senior might remain at home and still receive medical and custodial benefits, enabling a individual to recuperate in the comfort of their own house.

This was the answer to a substantial problem. The last place an older individual wanted to go was a "retirement home", or "rest home", or, God forbid, the " assisted living home." It appeared that senior citizens could now count on this new innovation without worry of having to vacate their house environment in the event of a illness.

As with a lot of things," if it is too great to be real"... The home health care policy is no exception. The problem is, there is inadequate protection for a lengthy disease or recuperation time. The fact is, the new pattern is toward an "all in one" type facility, enabling a variety of levels of care all in one area. In other words a senior could begin with little or no healthcare concerns in an independent, cheaper area, and after that go to an assisted living, or nursing care facility, all within the very same compound.

A " assisted living home" requires a nurse on the properties 24 hr daily, assisted living is simply 8 hours. The benefits to this are financial. The patient or senior is only charged according to the care level needed during the time she or he is confessed to that facility. Another benefit is it alleviates a lot of planning since the care is delivered, as it is required. The medical attention is offered to all homeowners regardless of their existing health.

Some individuals are used a lifetime plan, which covers their take care of the rest of their life, regardless of their existing age. It also enables social outlets to an otherwise somewhat isolated group. On-line shopping services have become a big company. It is certainly here to stay and many insurance policies are bought from Web quotes and online applications.

There are literally hundreds of thousands of insurance coverage agents and brokers advertising on the Internet. Most of them will provide instant online quotes and even applications for the prospective insured. I highly prevent a layperson to acquire insurance in this fashion. A little understanding can be dangerous.

The federal government has actually mandated to all states through legislation, the standardized senior medical insurance policy guidelines, which are governed and regulated by each state insurance coverage department.

There are plans for almost every level of health. Some are designed and priced for a less than healthy person. Others are for a person with minimal health concerns. The entire concept of insurance coverage is to provide defense for " unexpected" sickness or injury, particularly devastating costs, which would devastate a individual's net worth. The more small expenditures a person wants or able to pay (self-insure), the lower the rate. I advise this technique when assessing your insurance coverage choices.

Another consideration when reviewing numerous insurance strategies is to look at the company itself. How long has the company been selling this kind of insurance? Do they have a great deal of grievances submitted with the regional department of insurance? Are the rates steady? Does it pay claims on time? Service? The majority of agents talk about the score. These ratings are as follows: A+, A, A-, B+, B, B-, C+, C, C-, or "not ranked".

Do not be fooled by ranking alone. It is excellent to have a high score, but it is far better to have a company that has durability, stability, innovation, service, and expertise. The issue is that some business participate in a market and rapidly leave without explanation. This does not give security to the insurance policy holder.

The most crucial consideration needs to be a review of the profit/loss ratio for that product. This will develop stability, and longevity in the market. An insurance provider with a moderate earnings in a particular industry will stay because market. On the other hand, a business with losses will make changes and possibly even withdraw. This is info not generally available to Internet users.

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Before entering into an insurance coverage agreement, the senior person, the family, and other advisors need to be practical, and a mindful examination of the whole photo need to be examined. The age, the health of the senior, the financial resources, the character and mindset of the senior, and most notably the desires of the senior, need to all be considered.

Early preparation is very important, as credentials becomes progressively more difficult as the applicant's health decreases. The senior healthcare market is complex. I will offer some words of advice to try to reduce potential mistakes. * C hoose a well-informed, skilled, and service oriented representative or broker to assist your choice making process. The expert can provide vital information, but do not hesitate to ask a lot of concerns and even get a second opinion. * Do not wait till your moms and dad or loved one is sick, or hurt. Plan ahead and put in the time required to cover all the options. * C hoose an knowledgeable insurer. A Company that has remained in the market for a substantial time and has maintained a balance of rates and advantages and sound threat choice with moderate rate increases with time is your best choice. * T he prepare ought to be flexible, with a broad range of alternatives and benefit selections to the guaranteed. There must be no techniques, or complex language for the coverage. An incredibly low rate is a red flag for difficulty in the future. * Do not hurry or be hurried by an over aggressive sales person.

This policy will not be low-cost and will require to be read and examined for a clear understanding of the contents. This is one benefit to the Web. You are permitted to read indefinitely prior to you act.

A long-lasting care program, with or without insurance protection, will just work if the senior has input into the care selection procedure. If there are any questions about the accreditation of a facility please call the "Continuing Care Accreditation Commission at 202-783-7286.

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