#call them up and find out if gym membership is a covered benefit
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forlornmelody · 1 year ago
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Today's List of Nice Things:
My client and I listened to a LOT of Skald today. So good.
Speaking of, he's been swimming at the gym every day since we went on Monday, and HE GOT A FULL NIGHT OF SLEEP AND WAS READY TO WORK TODAY. HOLY SHIT.
Got to finally release two original projects today. I'm exhausted, but happy.
Hacks making me feel all the feels today.
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omgtabbytalks · 8 months ago
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Benefits of Free Health Quotes
When a patient is able to obtain a medical discount at a Doctor’s office, Dentist, Hospital or other Medical facility and then able to combine it with an Insured Indemnity Plan that find out more here provides reimbursements for services rendered the savings can be astonishing.
Many people today are in need of health coverage.  They are looking for anything that can help them at the dentist, the doctor’s office, or emergency room.  With today’s economy many people cannot afford major medical health insurance policies.  They need something more affordable.  But where can they find affordable healthcare?
Through Associations many people are finding the affordable healthcare they need.  By becoming a member of an Association that offers discount health benefits and insured health benefits (including insured dental, Accidental Death and Dismemberment and Insurance to help cover Doctor visits and extended stays in the Hospital) American citizens are getting the security they need to know that they will have assistance in covering the medical expenses of themselves and their family.
Some may ask themselves why they would want medical discounts along with medical insurance.  The reason has to do with optimization.  When a patient is able to obtain a medical discount at a Doctor’s office, Dentist, Hospital or other Medical facility and then able to combine it with an Insured Indemnity Plan that provides reimbursements for services rendered the savings can be astonishing.
A fear that many have is the ability to afford prescriptions.  A prescription card can help a family save tremendously when they visit a pharmacy.  Having the ability to save up to 60% off of everyday prescriptions can mean large savings for the average size family in the United States.  Being able to save through mail order pharmacies is a major plus also when trying to take care of the healthcare needs of one’s family.  Having prescriptions reduced in price and delivered to your door month after month frees up time and resources that are so precious to so many families.
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Alternative medicine is very popular these days.  Therefore a health plan that can provide discounts to vitamins, gym memberships, chiropractors, yoga instructors and much more are often sought after.  Holistic medicine is the preference of large groups of people. The ability to receive discounts for Alternative and Holistic Healthcare is a great benefit.
There are some people who have decided that they would like to go to another country to have a surgery performed. Medical Tourism has become an accepted option by many.  Drastically reduced hospital costs combined with Medical Professionals who in many cases received their training in the United States proves to be a win situation for all involved.  By yourself Medical Tourism may seem extremely difficult however when professionals are available to help you plan every step of the way the process can easily be streamlined.
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professorchatwin · 5 years ago
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Slime making itself home inside a boys tummy while he sleeps, not making too much of a difference at first, before it absorbs and replaces the boys stomach, and begins to control him through an insatiable hunger.
Aaron turned over in his sleep, twisting the covers into a knot as he went. Something he would later attribute to nerves. Above him, weak and ailing, slime dripped down from the air vent, pooling on his cheek and drip by drip sneaking its way into his stomach.
---
He peered, bleary eyed into the mirror and prodded his tummy experimentally before grimacing and making a note to look into a gym membership. He’d never been thin but ‘soft’, it seemed, was quickly turning into a plump pot belly. It growled as if in response to the poke and Aaron groaned with it. Exercise maybe, never a diet. 
Breakfast, to his embarrassment, was bigger than usual. He eyed the dishes piled up in the sink, hiccuping into his coffee. He sighed, pleasantly full, when a knock came at the door followed by the turning of a key. 
“Aaron? Hun, you up?” a woman stepped through the door and smiled at him. In her arms were three full fast food bags. She leaned down and kissed him on the cheek, “Good morning. Those are for you” she hushed him with a finger to his lips before he could protest, “Don’t you start. You know how you get when you’re hungry”
Heat rushed up into his cheeks, doubling when his stomach growled. She kissed him on the forehead, “See? Now go on. It’s your favorite”
He unpacked the bag, still blushing but suddenly starving, “You’re going to spoil me rotten, you know that?” Erik caught her hand and kissed it, “thank you Jackie”
“You’re welcome” she sipped her coffee as they discussed the plan for the day. Every bite Aaron’s belly swelled a little more onto his lap. Jackie glanced at her partner’s tightening clothes and bit her lip. No sooner had he finished eating than her hands were on his shoulders, “You know babe. We’re ahead of schedule...” he arms slid down, resting on his tummy and he felt a rush of arousal. His stomach churned in it’s digestion almost as though it were... squirming and as much as he hated to admit it it got him going. He panted out, “God please yes”
---
The convention floor was bustling within an hour of their arrival but being towards the back they had a little quiet for the moment. Aaron sank into the creaky fold out chair, still in a blissed out haze as he watched Jackie arrange a few final pieces of her work. 
He reached over and tucked a loose hair behind her ear, “You’re pretty” he hummed. She stuck her tongue out and him and winked, “you’re pretty. What’s on your mind big guy?”
“My head is still at the kitchen table. You weren’t kidding when you said you didn’t mind the weight”
She cocked an eyebrow, “What if I told you I find it sexy?”
“Don’t tease me like that when I can still smell the churros from the vendor hall” he whined. He put a hand on his stomach, violently uncooperative of late, “my sweatshirts already really tight babe”. The slime in his tummy sensed an opportunity. I latched on to his already aroused state and turned it into a flood; a tendril curling down below his waist to turn what had been an easy to conceal half-up into an aching hard on. He had to audibly swallow a moan. “Fuck” he whispered, “I think you’ve got me fully trained”
Jackie cast a quick glance at the oncoming crowd, “Go take care of yourself baby. I’ll look after your booth”
---
A half hour later he settled back in for a much smoother, more common place convention. The only exception to the ordinary being the insatiable snacking. Those snacks being what, for any average sized person, might have been considered a meal. All that on top of Jackie, eyes lit up with arousal, bringing him back a massive lunch that could have easily left three people stuffed when she took her break. 
All that food and he still wasn’t full but damn was he horny. His tummy had swollen out under his tshirt and he could feel his bare skin rubbing up on his lap. His jeans were cutting him in half but not only could he not get at the button under his belly, he knew he’d never get them done up again if he did. He didn’t even feel overly full, just heavy. No heavy wasn’t enough, he felt gravid. And so. Fucking. Sensitive.
During a lull later in the day Jackie leaned over, “Baby, you okay?”
Aaron moaned under his breath, “I’ve never been this horny in my life. I feel soft and my tummy is sloshy and- and just looking at you is getting me steamed up” he bit his lip, “I don’t know what’s got into me. I just- ugh. I feel so fucking needy” he whined.
 Jackie studied him, “Don’t get me wrong. I feel like I’m living a wet dream but baby, realistically this is kind of concerning”
“I- ooh. Nothing hurts. Let’s just get through the last hour. Pack up. I’ll call Arno, see if it sounds familiar to him”
Jackie raised an eyebrow, “He’s an epidemiologist, not a doctor”
“Can’t hurt” Aaron shrugged, then swallowed the moan produced when the motion jiggled his tummy. 
---
Jackie nearly burst out laughing in a mixture of relief and disbelief. Aaron set his cell phone down on the bumper of the car, “that fucker” 
“That’s so clever though. Using a semisentient slime to fatten up your enemies? Ends the war without bullets. Why the hell did he have one?”
“Why the fuck did he not have it under lock and key?” Aaron groused. 
“How long did he say for it to run it’s course?” she kissed his neck, “and is this lovely new libido apart of it?”
“He just said when it’s sated. At least it’s never been fatal. My doctor is going to have a fit”
“Ah, but your mother is finally going to stop asking if you’ve been eating”
Aaron rolled his eyes, “True. And the uh- the drive is apparently all me- it can get a guy hard but they never worked out how to get it to induce pleasure. So yeah it- it’s... Uuuhnnn...ohohoh! Oh fuck yes...” he moaned hoarsely in response to Jackie pulling him into a hug and kissing his neck. He whined, “fuck me. Toy with me. Spank me over the hood of the car. Just no more teasing I can’t take it” 
Jackie nipped his ear, “Soon baby. Let’s get you home. Order food on the way. You don’t have any commitments tomorrow do you?”
He shook his head, quivering. 
“Good. Let’s get you fed and fucked” she squeezed his ass and made her way to the drivers seat. 
---
Aaron stumbled into the kitchen, still toweling his hair. Jackie had beat him there and had started making fudge and much to his delight she hadn’t bothered to don anything after their shower besides the apron. He sighed, “How’d I get so lucky?” He wrapped his arms around her, newly grown belly pressing into the small of her back. She turned and kissed him, then popped a cookie into his mouth. “You’re going to get lucky a few times tonight if you keep it up handsome”
He groaned, “Fuck I’m starving” his tummy wriggled. Something that he had found out it could do very inopportunely while he was on his knees in the shower. Jackie rubbed his belly gently, “good. Because the food is here and Arno just delivered half a buffet to apologize” 
“You answered the door in that?”
“No honey, I stripped for your benefit” she winked. “I’m almost done with the fudge. Go dig in”
----
The more he ate the more active the slime became; roiling, squirming, even kicking. And after downing half a chocolate cake and a catering size pan of mac and cheese it was busy making itself felt and metabolizing. His belly spilled plump and full over the elastic waistband of his sweats. The baggy tshirt he had worn the night before was stretched taut and riding up over a little section of soft, vulnerable chub that Jackie made a point of kissing until he started panting. More than just him, the slime went wild when she kissed his belly.
“I think it’s showing you off baby”
“I think it’s going for *hic* make love, not war”
Jackie traced circles around Aarons nipples with her thumbs, “You think so huh?” but before he could answer she put a piece of deep dish pizza into his mouth and he devoured obediently. Half way in his navel became exposed. Jackie put the pizza in reach so he could get to it then grabbed his lower tummy with her thumb in his belly button. He stopped eating long enough to give her a horny gasp. “Baby, you’re getting so big” she said breathlessly. She kissed his tummy, then his knee, then slowly, slowly up the inside of his thigh feeling him shiver. He moaned, “D-don’t stop”
She edged his waistband down and gave him another quick kiss, “wouldn’t dream of it”
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y4yrgswm-blog · 5 years ago
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get globe life insurance quote
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jobportalsiteinnepal-blog · 5 years ago
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Importance of Job Portals Site
A job portal, also known as a career portal, is a modern name for an online job board that helps applicants find jobs and aids employers in their quest to locate ideal candidates. Job Portals are like the meeting points for recruiters as well as job seekers where each aim at meeting their individual requirements. On one hand job seekers try to find a job opportunity where they can apply their knowledge, acquire new skills and grow as a professional. And on the other hand, recruiters try to fill their job openings with the right candidate who has the perfect aptitude and qualifications to handle the responsibilities efficiently. Hence, Job portals can also be understood as a marketplace where the demand meets the supply.
Job portals are mostly used by Recruitment companies, however, there are a few government agencies, nonprofit organizations, universities and private businesses that have their own dedicated section on their website, usually under “career” section that serves their recruitment needs. You can find job portal site according to your respective country. For example job portal site in Nepal.
 The importance of job search portals are:
 Affordable Source of Job Search
The online job search portals are affordable source of communication for the applicants and the job seekers. Both the job seekers and the recruiter can register at the portal free of cost and specify their requirements. One gets an alert from the portal whenever a suitable job/candidate comes up. Hence, there is no need for the applicants to waste their time and money in running from post to pillar submitting resume to every recruiter. This is also a cheap and fast source of reaching wide audience in just a single click.
 There are many online Job portals where one can sign up personally or through company to get access for posting job requirements. Some portals even offer this service as free but they will not put any emphasis on free posting as they do for paid ones. It is affordable compared to any job agencies that a company ties up with and hence is a common choice that many companies are taking up.
 Convenience
Job search portals make job searching time-efficient, easy and convenient. It helps to narrow down your search by eliminating the irrelevant job openings from the list. Once the applicants/recruiters mention their requirements such as qualifications, experiences, and salary, the portal matches the available job openings with the requirements and sends an alert accordingly. Hence, either side considers only the information relevant and important to them. Online job postings are easy to apply and hassle free for a job seeker. All a person has to do is login with his or her credentials, view the job requirements and click on apply if they are interested. It is a three step process without the need to enter the details based on the company form and then upload the CV and then wait for the company to respond. Hence, a recruiter can experience the volume of applicants in a day via online portals.
 Broad Reach of the Portal
Job portals cater to job openings in different fields. Hence, candidates/recruiters from any background can approach these portals for job assistance. Be it the traditional fields of finance, engineering and medical or the latest fields of fashion designing, dance instructor and gym trainer, the portals are competent to give job results to all.
 Wider Search
As we already know, job Portals help to reach out to a wider audience. One can search for job opportunities in any city, state or country in the world. Applicants have to narrow their search by mentioning their preferred area of work. The portals give regular alerts to applicants about the current job opening relevant to their specifications. Hence, job portals allow job seekers to connect with any recruiter irrespective of the geographical distances and vice versa for the recruiter.
 Additionally, job providers can have wide reach of candidates irrespective of location and availability of time. It covers all of those candidates who are not in direct reach to job provider at the time of their job application. But, there is no way job provider can put a filter where his/her job posting will be viewed by job seekers from a particular country or area. Such location requirements will have to be posted in the job requirement section which can solve the problem of unnecessary applications up to a certain extent.
Multiple Options
There are thousands of job seekers and recruiters registered with the job portal. It gives plenty of options to either side to choose the suitable candidate/job. Applicants need not worry if they get rejected for one of the job openings. They can apply elsewhere as per the updates provided by the portal.
 Continuous Assistance
Another feature job portals offer is the continuous assistance to the service seekers. Hiring agencies have set up helplines to communicate to the applicants. Moreover, they receive updates through emails and SMS whenever a good job opening gets listed on the portal. Applicants can also access the online job portals anytime during the day or night, as per their convenience.
 Time and cost saving
Job portal have brought a lot of relief by streamlining the recruitment process by bringing in automation tools. As a result job portals have helped in reducing the costs by eliminating data redundancy and inconsistency in the hiring process. Therefore, both job providers and job seekers can benefit by identifying better choices through standardized procedures followed by job portals rather than traditional methods.
 Once one has taken the membership on any of the job portals, they not only can post requirements but also can get access to his/her database which is the home to millions of job seekers. One will not have to wait till someone applies for the job; in fact s/he browse and extract the details of the candidate that make him/her feel right for the job. The portals have their email and phone numbers through which one can get in touch with them immediately without wasting any of your time. One might get his/her candidate within the day that one has posted his/her job and close the vacancies.
 Sense of visibility and effectiveness in hiring process
 Most of the solutions offer complete transparency over actions performed on the portal. This transparency can help in identifying bottlenecks in the hiring process. It can enable job providers to keep an update themselves with the help of online recruitment agencies. Additionally, reports like a CV source breakdown help HRs understand the strength and weaknesses of the candidates. And on the job seeker side, it gets easier to know how close the company is to close the position.
 Maintain Complete Confidentiality
Job search history and profile is kept completely confidential in the database of job portals which means job seekers conduct your job searches in a highly discreet manner without letting anyone to know about what you are up to. Furthermore, these job portals do not share your information anywhere and respect your privacy that makes them a safe bet.
 Search for Endless Jobs
Online job portals provide an opportunity to search for jobs from an array of categories which makes it easy for candidates, especially fresher, to filter out their options after browsing through them. Online job portals offer jobs from nearly all domains of the industry which is very much beneficial.
 Get Regular Job Notifications
Apart from providing a platform to find jobs, online job portals also send regular alerts to candidates in case companies start recruitment drives. It is nearly impossible for candidates to track employer moves while conducting recruitments. Online job portals provide perfect opportunity to candidates to monitor employer recruitment programs.
 Easy & faster Filtration Process: Right candidate for the right Job
Neither job providers are getting right candidates nor are job seekers getting right job. It’s possible to change all that by being a part of job portals where there is access to post requirement and also ask the applicant to answer questions based on the vacancy. With the online access to post the requirements comes the access to their database that can help job providers in filtering and downloading the right candidates for job posting.
Once job provider has posted specific job on the online portal he/she can just sit back and relax for the applicants to come, view and apply for the job. With the huge list of candidates applying, there is no worry of going through each one of them. The filters that are available on the portals help job providers to filter out the right candidate before one click and view the resume.
The portals has made this job easier, efficient and less time consuming helping the recruiters to find their candidates in the nick of time.
 Tracking made simpler with online technology
The job posting sites are not just for posting and closing the job vacancies. It is a one stop shop where one can track the progress of your application. Once a job seeker has applied for the job, he or she can track the status via the job portal. Similarly the job providers on the portal can also keep their applicants up-to-date with the current status without the hassle of calling them or receiving their regular calls. This process of tracking has helped both sides – job seekers as well as job providers, to remain updated on the status without the need to send hundreds of follow up mails.
 Enhance proactiveness in hiring process
As a hiring person one can proactively search on the candidate list based on the requirements that would be coming to his/her desk in future. This way one would have a list of candidates that could be contacted on the word GO, giving him/her higher probability to close the vacancy faster. There is no need to post a job to go through the database. One can save the candidate profile and create his/her own database.
 Shorten hiring process
Online recruitment is all about the recruiters getting in touch with the candidates via emails and telephonic interview calls. It is just a casual call that happens to understand what the candidate has understood from the requirement point of view and what the recruiter has understood from the skill point of view. It is like the first step to start the process of formal interview with the company during which the candidate can also be rejected.
 Reduction of random candidates
If job seeker sees an advertisement for a job posting in a newspaper then he/she might end up in applying for the job by chance. But that is not the case with the internet world. Job seekers are going to filter the job requirements based on the skill set or years of experience or expertise as well as job providers have reduced number of random candidates which ultimately make hiring process easier and faster.
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wiresandstarlings · 6 years ago
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boats ease into the harbor, bearing real suspicious cargo
1. According to the Bureau of Labor Statistics, there were 131,200 people employed as writers and authors in the United States in 2016. If you assume writers work an average of 8 hours a day, that writing is 10% efficient, and that 5% of writers are worth reading, the United States produces 131,200 * 8 * 0.1 * 0.05 / 24 / 365 * 12 ~ 7.2 months of quality reading material each day. Even if you assume that only 0.1% of writers are worth reading, then that's still 4.4 days of reading per day of writing in just the United States. It's physically impossible to keep up with all the good writing being produced, even without sleeping, and setting aside catching up on the centuries of backlog.
When you look at even more popular and efficient media like streaming and YouTube content, the numbers are even scarier. The world is producing more information than even the world can reasonably consume.
Writing in the face of that knowledge feels wasteful, like driving an SUV or golfing. At the same time, writing has a fundamental urgency to it.
When I write, I'm forced to vocalize and confront my beliefs. I've written essays where, having finished, I don't agree with anything that I’ve said. It's like I've built up this latent energy by reading and thinking and watching, and I need to write to convert that energy, a muddy fuel of insights and exaltations and fears, into action and belief.
Reading good writing, I feel this total connection to humanity, on a primal and ineffable level. And trying to write well, I feel that connection again.
So, I guess, to whoever's reading this, I’m grateful you've chosen to share your time with me, and I hope you get whatever you need and whatever you're missing out of it.
2. On a practical note, I've been spending a lot of time reading about personal finance lately and want to summarize what I’ve learned. I've been fortunate enough not to have to worry about my finances for most of my life, but I realized a couple months ago that having my entire net worth parked in a Citi savings account was blatantly irresponsible. Panicking, I overcompensated.
Fortunately, the most prevalent and reliable personal finance advice is all straightforward. Still, given that I wasn't familiar with it, and apparently my parents weren't either, I figure there's value here. If you already have your life in order, feel free to skip this section.
Re: banks, don't use banks with physical locations. Physical locations are expensive, and you pay for them with the interest on your savings and the premiums on your loans. Online banks like Ally and Alliant Credit Union offer much better rates and services and also have better digital infrastructure.
There are a lot of online banks with various costs and benefits, but Ally and Alliant seem to be the most popular and reliable. I have some money in both right now, but I've mostly been using Ally because it has better integration with other online platforms.
Re: brokerages, that logic still applies. Use Vanguard, not Fidelity.
Re: investing, put all your money in a U.S. market index fund, ideally VTSAX, and forget about it until retirement. Services like Betterment or Wealthfront, which algorithmically invest your savings, are a reasonable alternative. However, they charge $25 per $10,000 they manage for you, and it's unclear whether they outperform plain index funds by enough to justify their price. They do provide some tax optimization services which likely cover their cost for accounts with $100,000 or more.
I'm currently using Betterment because my friend sent me a referral link with the first 3 months free, so I figured I might as well try it and reevaluate after the trial. I'm happy so far. I like that it's less involved than using a brokerage, and my account has almost enough to appropriately benefit from tax-loss harvesting.
This is my referral link, if that sounds interesting to you.
Re: credit cards, they're not worth learning about unless you inherently enjoy solving complicated systems. Personally, my ultimate plan is to get a 2% cash back card, the Amazon Prime card (for 5% back on Amazon purchases), the Uber Visa (for 4% back on restaurants and 3% back on travel), and the Amex Blue Cash (for 3% back on groceries). Cash back isn't as rewarding as travel points or signing bonuses, in terms returns per dollar spent, but those games are much more complicated for just an additional 2-4% back.
If you're having trouble getting approved for credit lines, it will likely be worthwhile to learn everything: about credit scores, secured cards, how to efficiently build a credit profile, etc. A lot of why I'm not interested in travel points and signing bonuses is that the additional 2-4% back I'd get from them could only be spent on things I don't care much about, like fancy flights and hotels. But the difference between getting a 2+% discount on everything and not is enormous.
3. I've spent an unhealthy amount of time watching YouTube lately. YouTube has been seductive substitute for games because it isn't obviously useless. When I watch videos on fashion, personal finance, self-improvement, and so on, I feel like I'm making progress even if the information in the videos is useless. There's something inherently satisfying and exhilarating about watching videos at 2x speed.
As a result, I've incidentally learned about the economics of YouTube, which are fascinating. Like, the idea of even a single media company focused entirely on YouTube content is wild to me. Yet there they are, the young thousands. There's just a tremendous amount of money in YouTube, such that it’s almost difficult to comprehend the scale.
Like, a video with 12 million views @ 1/3 a cent per view represents $40k, a respectable annual income. 12 million views is a lot, but it's a small fraction of the attention that YouTube commands. Like, there are random tours of capsule hotels in Japan with that many views. The music video for Gangnam Style must have made almost 100 million dollars.
In a real twist of late capitalism, content creators get paid more or less based on their primary demographics. Like younger women are less likely to use an ad blocker than 20-something men, so a greater fraction of their views get monetized. Views from wealthier countries like the U.S. and Canada are worth more than views from poorer ones.
There's so much at stake in getting us to click around these websites. And it's not just recommender systems. Whole content companies are fighting for even a couple minutes of our attention.
4. In Lineup, by a Seattle company called Cut Media, hosts are tasked to sort a lineup of strangers into different categories. In one video, for example, the hosts need to guess the lineup's sexual orientations. In another, they need to match people to their outfits. The general idea, of course, is to demonstrate how limited stereotypes are. The hosts typically don't take their task seriously, and their inability to perform it is humorous, heartwarming, enlightening, etc.
Ironically, from a purely statistical standpoint, the series makes a much stronger case for stereotypes than against them. For example, in the video about guessing occupations, a host choosing at random would get an average of 1 person right and would get 3 or more matches only 8% of the time. Yet every one of the 4 hosts got at least 1 match, they managed an average of 2.25 matches altogether, and 2 of the hosts got 3 or more. Those numbers look like failures on the surface, but stereotypes actually led the hosts to perform significantly better than chance.
Better than chance is, of course, not the strictest criterion.
5. Two series I’ve found helpful are Glamour's How One Woman Spends Her $N Salary and CNBC's Living On $N A Year in Location. I've been struggling lately to figure out how I should spend my income and the insight into how other people relate to money was valuable.
I feel like I'm making enough money now that I should buy whatever happiness is available to me, but I have no idea what to buy. The things I really want – like reading more, being healthier, having better self-discipline – aren't readily for sale. I used to think it was ridiculous that people spent thousands of dollars on life coaches, gym memberships, logos, and so on, but I'm starting to understand why. At this point, I'd happily spend hundreds of dollars on a guarantee that my life would even marginally improve.
At the same time, I guess opportunities to trade money for happiness will inevitably present themselves over time, and maybe there’s no need to seek them out.
6. I feel that, as a society, we're far too private about our finances. If we talked openly our income, for example, the prevalence and severity of the gender pay gap would have become obvious decades earlier. Everyone with credit card debt would have someone in the life to tell them how stupid credit card debt and how important living within our means is. Maybe economists and sociologists could even determine what purchases actually make us happier, and what we only think makes us happy.
I think we've adapted to obscure our finances because we have this like limbic compulsion to organize ourselves into hierarchies and fight based on where we land, and income is a very natural hierarchy. But if we just resist that compulsion, we'd collectively benefit from greater knowledge.
Like, in decision theory, more information is inherently good. We can only interpret it badly.
7. At the same time, I guess I have little interest in writing about my own finances. Not out of any desire to hide them, I just don't find the topic particularly compelling. But if you'd like to know, contact me through whatever channel and I'd be happy to share my accounting sheet and answer whatever questions you have.
Not that I have any great wisdom to share, clearly.
8. There's a “5 Minute Rule” in self-help theory that instructs people to complete tasks will take less than 5 minutes as soon as they think of them and are able to. I'm a fan of the 5 Minute Rule and have made a similar rule for myself where if I need something and it costs less than $20, I'll buy it without hesitation or deliberation.
Like, I was opening a box with scissors a couple weeks ago and I couldn’t cleanly cut the threads in the packing tape. My hands hurt trying to push the scissors through. So I bought an utility knife for $3 and opening boxes has been far more pleasant since it arrived. I noticed my wrist was hurting at work, so I bought a better mousepad for $8. And so on.
Overall, one thing I have learned is to buy the things I need and the things I know will make me happier. Maybe that should have been obvious.
9. Yield and overcome; Bend and be straight; Empty and be full; Wear out and be new; Have little and gain; Have much and be confused. Be truly whole, and all things will come to you.
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termlifeguy · 3 years ago
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Idaho Medicare Advantage Plans
Idaho Medicare Advantage Plans
Boise Health & Life Insurance Brokerage has been helping seniors with all their insurance needs for over twenty years. Our agents work with the nation's and region's top carriers. We offer Blue Cross of Idaho, Regence, Molina, Aetna, Humana, and more. Give our office a call for a no-obligation quote or review of your current plan. Call 208-409-3382. 
There are many benefits of Medicare Advantage plans, and each of them can help you save money on your healthcare. However, the benefits are not always the same. Some people are not happy with the additional costs and do not want to be saddled with a large copayment. For this reason, it is important to compare the cost of premiums and copays before signing up for a plan. Some plans also offer extra benefits, such as help with dental and hearing aid bills.
Benefits Of Advantage Plans
Because Medicare Advantage plans are provided by private companies, they do not have the same restrictions as traditional Medicare. Some plans may require copayments out of pocket, while others may have zero copayments. Depending on your needs, you can get coverage for many services. If you are not paying for copays out of pocket, it is still worth it. You can also receive a variety of extra benefits from your Medicare plan.
The main benefit of MAPD plans is that they are more affordable than Original Medigap or Part D coverage. These plans are designed to simplify the health insurance process for people with limited resources. For instance, they can streamline care and reduce the number of unnecessary tests. Another benefit is that they require only one insurer, so you don't have to worry about finding another insurance policy to cover the gaps. Further, they are more cost-effective.
Benefits Of MAPD Plans Vs. Supplements
These plans may offer services that Original Medicare does not. If you have a chronic illness or are retired, you should not opt for an MA plan. Treatment for chronic illnesses will cost more. You'll also have to pay copayments. Moreover, diagnostics and lab tests may cost you more than you expected, which means that you'll have to spend more money than you expected. Further, Medicare Advantage plans may include telehealth services, which give you the option to consult doctors via the phone.
Some plans offer additional benefits that aren't covered by traditional Medicare. They can also provide vision and dental services. These services are usually included in the premiums, while government-administered plans do not offer them. In addition to these benefits, the plans can provide discounts for home safety improvements and gym memberships. It is essential to understand all the details of the plan before signing up. Once you have signed up, you will be able to see what each plan has to offer.
Benefits & Premiums
Deductibles and the availability of additional health care services. In addition to deductibles, you can also receive additional benefits, including transportation to and from doctors. Some plans even offer health screenings and preventative care. Choosing the best plan depends on your needs and preferences. But, regardless of the type of plan, you can rest assured that you will never pay more than you have to.
The types of plans available to you will depend on your needs and the provider network. The first type of plan you choose depends on your health status and the type of plan. You can enroll in an MAPD PPO or an HMO that offers health insurance for both your Medicare Part A and your Part D needs. A good plan can help you lower your out-of-pocket expenses, as well as save you money on medical costs.
The policies have many benefits and may have different costs than Original Medicare. Some plans may have higher monthly premiums than Original or Part B. Most plans will have a coinsurance requirement that you must pay. This can be an important benefit for you if you are unsure of which type of plan is best for you. If you're healthy and don't need prescription drugs, this optional plan will give you access to these services and not charge you any extra fees.
Which Should You Choose
You may be provided a range of benefits. Unlike Original Medicare , an Advantage plan is not complicated and can help you save money on your healthcare. Most plans will offer you coverage for Medicare Part A, B, and D. You may be able to get a discounted gym membership, reduced out-of-pocket costs, and other benefits.
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Originally published here: http://www.goidahoinsurance.com/medicare-advantage-plans
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wdmsolutionsuk · 4 years ago
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How To Create Your Ideal Client Avatar
Attract Your Perfect Clients With a Specific and detailed Client Avatar.
As you’ve found this page, you probably have some idea of what client avatars are, but let’s dig a little deeper and look at how to use them in the right way to access your ideal clients.
What is a client avatar?
Simply put, it’s a fictional persona of your ideal client. Note that this is not the same as your target market. If you’ve been running a business for any length of time, then you no doubt have a very good idea of who your target market is. But a client avatar takes this a step further. Rather than trying to appeal to an audience, you’re trying to appeal to a specific person.
Having a client avatar will allow you to identify not just whom you’re talking with, but to actually understand them on a deeper level. When you can do this, you’ll be able to address them directly in all of your content and marketing materials.
Whether you’re creating copy for your website, your email newsletter, paid advertisements or even YouTube videos, you can target it specifically to your client avatar as though you had them opposite the desk in front of you. By imagining you’re having a conversation with your ideal client, you’ll naturally be writing (or creating) specifically for them.
Doing this will enable you to create a real connection rather than just appealing to a group of people (your target market). This is the big difference between your avatar and your market. Of course, you can (and probably should) have more than one client avatar. You probably serve more than one type of person in your business, especially if you offer different services and/or products.
If you have staff, get them involved. Brainstorm! Everyone has different ideas and I have no doubt that they will think of things that didn’t even occur to you.
Client Avatar Stages
There’s no right or wrong way of making up your client avatar, but there are some best practices and ways to make sure you cover all that you need to. I like to split it into three stages:
Details and Demographics
Goals and Motivation
Challenges and Obstacles
Details and Demographics
This section is all about basic data and is the section that’s most closely linked with your target market as it contains very similar details. There is one huge difference however. The best way to demonstrate this is to show you an example of an Avatar used here at WDM.
This is Paul Sutton
Paul is 45 years old. He’s male, lives in Bury St Edmunds (in Suffolk), and he’s a health club owner. He’s also married with two children.
You may wonder how having children could possibly be relevant and perhaps it’s not, but by giving details like this, it helps to give your avatar character and make them a little more real. This way you can better target them when creating content for you business. Paul earns £70k a year. He went to college, but not university.
So far, most of this sounds fairly standard and exactly the type of facts you’d be looking at when determining your target market. But here’s where that big difference comes in that I mentioned earlier.
Backstory...
When I’m writing content or creating a video I want to see Paul, My Avatar, as a real person, not just a bunch of statistics. If I want to connect with Paul at this level, then I need to know more about him, not just facts and figures. That’s why I’ve created him a backstory. It doesn’t contain his entire life history but it does tell me a little about him and what makes him who he is.
Paul has an established health club with a great reputation. He’s looking to take it to the next level and bring in an operations manager so he can focus on the bigger picture and take more time out without his business being affected. Although Paul has to use computers for his work, he’s not tech-savvy and doesn’t like dealing with technical issues. He’s open to new ideas when it comes to marketing and managing his online growth. His website’s okay, but it’s a little dated and not really much more than an online brochure.
You’ll see how these details further come into play very soon.
Goals and Motivation
What are Paul’s goals and his values? What motivates him?
As we know, Paul would really like to hire an operations manager. This will allow him to focus on the bigger picture, but also to take a little time out of the business. To facilitate this role, Paul knows that he needs to increase membership sign-ups by 30 percent (preferable in the next 12 months).
Why? What’s Pauls motivation?
Well, he may be a businessman but for him (and most people) it’s not just success in business that we strive for. We’d like to also improve other areas of our lives.
I mentioned taking time out of the business. Paul would like to spend more time with his family and he’d like to get back into some of his old hobbies. He’s spent most of the last few years running his business, and now he’d like to devote a bit more time to leisure activities. He also feels that he never travelled as much as he’d have liked so he’s keen to make up for lost time.
Values
What are Pauls values? Well, he worked long and hard to build his business. It’s important to him that it stands the test of time and maintains a great reputation.
So he values outstanding customer service.
He wants his Health club to be welcoming, comfortable and unintimidating. Remember, this is a health club, not a muscle gym. He wants people to feel warm and invited. He also, of course, genuinely wants to help his members achieve their health, fitness, and relaxation goals.
He values his staff highly and would like to help them with professional development where he can. He believes in promoting within where possible.
Challenges and Obstacles
What challenges and obstacles does Paul face?
What’s stopping him from achieving his goals?
Well, he has a website, but it isn’t converting well. it’s really just an online brochure. It does generate phone calls but there’s no real system in place for dealing with these. He’s not really doing anything with his website or measuring conversions. He doesn’t have any analytics to know what’s working and what isn’t. You’ll probably see it written or hear me say it many times but if we don’t measure, we can’t improve.
Paul has low client retention after year 1 ends. This isn’t because of poor service or anything negative. Its simply the standard in his industry. People will often join a gym or health club and not renew the following year because well, let’s face it, most of us have done this at some point (I know I have). But, if there were something he could do to improve retention, that would make a big difference to his business. It’s usually far easier to retain a client than gain a new one.
Paul is also concerned about losing business to larger competitors with better marketing strategies and perhaps bigger budgets, such as Bannatyne’s, which is of course a well-known brand and also local to him. He needs to find a way to make his club stand out against this competition.
Paul is very busy. His role as owner is demanding and he doesn’t have enough time to complete his tasks (or he certainly feels that way). He’s not sure how to scale the business from where it is now and he feels a bit trapped in a cycle because he can’t see how to free up more time so he can move things forward (focus on the bigger picture).
I’ve learned a lot about Paul but how will this help me in my business?
So What?
I’ve learned a lot about Paul but how will this help me in my business.
I’ve identified that Paul is my ideal client. But how does this information help me?
Knowing what Paul would like to achieve, what motivates him, and why he does what he does allows me to tailor the services I offer specifically to meet those needs.
I can see now that Paul will benefit from a website redesign that engages visitors and encourages them to take action. This might be to book an appointment, become a member, or order a spa-package.
I know that automation will help reduce his admin time, his costs and increase sign-ups. It needs to be easy to use and non-techie because he’s obviously not interested in that stuff. He doesn’t do technical. He has enough on his plate and doesn’t want to deal with hosting, website maintenance, back-ups, and security. With this knowledge, I know create a website care-plan that will be perfect for Paul.
I can install analytics on his website and display them in a way that’s simple but allows him to see analyse website visitor behaviour and also measure conversions. His care plan can include making improvements based on the data from his analytics.
Paul will probably be interested in some kind of lead generation system too, that to entices and draws in new members. This would include landing pages and full email automation that ensures everyone gets the right email at the right time with no manual work required by him or his team. Once it’s in place, it will run itself 24/7. As long as his subscribers are being sent the right e-mails at the right time, they can then be given an offer that’s specific to them.  They can also join or pay online depending on what the service is. This is far more likely to bring in new business than the simple phone number he currently has.
Paul would also benefit from ongoing newsletter that offers advice, help and perhaps incentives to stay a member after their year 1 contract ends. As long as the emails are well-timed, especially coming up to that 10-12 month period, he’s far more likely to be able to retain more clients after that first year.
To further increase traffic to his website (or business in general), a local marketing campaign would be extremely beneficial.
I can offer him an audit/review that includes Google Maps, and his ‘Google my business’ page. Perhaps offer some optimisation to help him rank higher for relevant terms to his health club.
The same applies with SEO. Paul would really benefit from a local SEO campaign to make sure that he is showing in Google when (the right) people are searching for those kinds of services. I could also look at targeted pay-per-click campaigns specifically to his area.
It might be a good idea to suggest that Paul creates a refer-a-friend incentive for any of his members so they can bring in people and perhaps get either a discount, a free month’s membership, a free massage or something similar if a friend becomes a member.
Because I have a detailed Ideal client Avatar, I now have an array of specific services that I can offer Paul. And, because they’re tailored to his needs, I know that not only is he likely to agree to them, but also (and perhaps more importantly), they’re actually going to help him achieve his goals.
Paul will be an extremely happy and long-term client. In turn, I’ll feel great for being able to help him achieve what he’s set out to do.
So now I’ve built up a specific image of my ideal client. I can speak directly to them in all my marketing efforts.
This includes my website, my services, my email newsletter segmentation (an email autoresponder that segments subscribers based on their actions and ensure they only receive emails that they are interested in), and my video content.
When your content is designed for your ideal client, you are far more likely to attract…
Wait for it….
YOUR IDEAL CLIENT!
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Originally published here: https://webdesignandmarketing.co.uk/marketing/how-to-create-your-ideal-client-avatar/
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sernamichel · 4 years ago
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Help Your Employees Maximize Their Health Plan with Extra Benefits During Open Enrollment
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Open Enrollment. It’s the time period every fall when your employees have added one more thing to their to-do list: planning for their health care needs for the upcoming year — and for any dependents if they have a family. 
While everyone’s heads may be filled with terms like copays, deductibles and out-of-pocket limits, make sure your team members are considering a plan that offers additional perks beyond the standard coverage.
Here are some extra services to be on the lookout for:
Virtual care options
It’s a Saturday morning and your employee feels a sore throat coming on. Her doctor’s office is closed for the weekend, but she doesn’t want to risk a wait at urgent care or a high bill for a simple illness. 
For times like this, virtual care is a great option. From a phone, tablet or laptop—employees can quickly connect with a board-certified doctor wherever and whenever they need care. 
Many doctors’ offices and hospital groups now offer virtual care to their patients 24 hours a day, 7 days a week. (Remember: for health emergencies, you should always go to the nearest ER or call 911). 
Be sure to check with your provider and health plan about virtual care services available to your employees. And with COVID-19 still a serious concern, virtual care can be a great option for your  team to get the care they need safely at home.
Price transparency tools
If your employees are interested in saving money each year with a little planning upfront, make sure they’re considering a health plan that includes price transparency. Some insurance companies offer digital tools for members to estimate the price of medical procedures or prescription drugs so they can budget and plan the cost of their care. 
For example, at Priority Health, members have the ability to research their costs and control out-of-pocket spending with Cost Estimator. This transparency tool shows members what in-network facilities and pharmacies charge for health care services and prescriptions based on each member’s plan. 
The tool doesn’t just show a range in price — it’s personalized based on each member’s specific plan benefits. Find out if your health plan offers your employees price transparency options so they can take control of their health care costs.
Fitness benefits
Healthy employees are happier employees — it’s why so many companies offer various wellness benefits. Many health plans are now offering fitness incentives like gym memberships to help promote physical health and wellness. 
As one example: Priority Health employer group members have access to Active&Fit Direct. This program allows members to sign up for $25-per-month gym memberships. 
Members can choose from more than 9,000 fitness centers nationwide. Check with your health insurance provider to see what kinds of fitness and wellness benefits are included to keep your employees moving throughout the year.
Coverage for business travel
If your employees hit the road frequently for work travel, this extra benefit may be a must. Many health plans offer added travel assistance to their members. 
This eliminates the need to purchase additional, and often pricey, medical or travel assistance coverage. It’s available whenever members are traveling more than 100 miles from home or in another country. Coverage includes:
Medical emergency services: Access to quality medical care including medical referrals, emergency medical evacuation, prescription assistance and more.
Travel emergency services: Help with lost luggage or documents, legal and interpreter referrals and care of minor children and pets when experiencing a travel emergency. Plus, pre-trip planning services including visa and immunization requirements, security and natural disaster alerts and more.
Multilingual, trained and emergency-dispatch certified assistance coordinators are available to help 24 hours a day, 365 days a year with one-touch access through the free app. 
For stays longer than 90 days, like overseas sabbaticals, members can pay an additional fee for the expatriate program service.
Even if extensive business travel is still restricted during COVID-19, your team members may want to consider having this added benefit available for when travel opens back up.
Vision benefits
Many insurance companies now include vision benefits at no added cost as part of plans. This could include options like a no-cost eye exam and discounts on glasses or contact lenses from top optical retailers. 
For example, Priority Health partners with EyeMed. Check with your health insurance provider and inquire about benefits to help your employees save money on seeing clearly.
Additional, customized benefit options
Along with this list of the most common added benefits to a health plan, your employees may be interested in dental benefits, customized wellness programs, on-site care management for chronic conditions like diabetes and more. 
Priority Health offers many custom options to address each company’s needs for a healthier workforce to help mitigate the rising cost of care while offering more benefits with more services — whatever they may be.
Make sure to encourage your employees to look for added benefits when selecting a new plan during open enrollment to help them take control of their health, wellness and budget. Find out what your small business health insurance covers to make sure you’re taking advantage of everything your plan has to offer.
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wayfaringmd · 7 years ago
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Advice to Residents: On finding your first job
Do you have any advice for a Family Med R3 looking for their first job? Any questions you wished you asked? Any tips to figure out if a place is toxic? -arianrhodswheel
Yeah! This post is a good place to start. 
Things to ask about:
daily schedule - Is there a way to work your schedule so that you can work 4 days a week? Can you work extended hours one or two days to benefit both the clinic and yourself?
how are appointments arranged on the schedule? Is it totally random or is there a method to the madness? Note: some places will schedule 2 chronic visits followed by an acute visit to help even the schedule. Or they schedule extra time for physicals or new patient visits. Is there a limit to how many physicals you will have to do in a day?
Extenders - how will you be compensated for supervising a PA or NP if you are not in a state where they are autonomous? (or will you be compensated at all? My hospital doesn’t, so my office doesn’t have them.) 
time off - is time off accrued or is it a set number of days? Does it increase over time? What sort of time off do you have for CME?
CME - how much does the practice pay for CME? What is included in that?
Benefits package - are there penalties or incentives built into your compensation package? Is your pay a flat rate or is it productivity based? Is the insurance decent?
bonus incentives - does your employer cover things like your cell phone bill or a tablet? Is a gym membership included or discounted? Do they offer a signing bonus and adequate moving expense reimbursement? Do they have loan repayment options? There are lots of little benefits you can negotiate into your contract 
call schedule - do you get paid extra to take hospital call or to pick up extra urgent care shifts? How often do you get called on home phone-only call? Does your new practice have a policy on after-hours prescriptions?
Patient demographics - what is the payor source division in your practice? Is your practice heavier in a certain age group or type of diagnosis? 
EMR - is the system decent? Does it make your job harder or easier? 
Area resources - how are the surrounding hospitals? Is there a problem with availability of specialist care? 
privileges - will you be required to do any inpatient care? What about nursing homes or hospice? 
Moonlighting - can you pick up outside work if you want it? What is available to you? Is there a noncompete clause? 
Your pet peeves - does your office manage a lot of chronic pain? Do they have a policy on after hours prescriptions,  appointment no-shows, walk-in appointments, or calling in antibiotics without being seen?
Standard of care - are the other doctors following the same guidelines and standards you are? Will they back up your decisions? Can you feel comfortable backing theirs?
Personalities - will the other doctors be supportive of you since you’re a new kid on the block? Will they be available for hallway consults or lunch break pep talks? Are they workaholics or do they value time at home? What do they do for fun? Are they friends or just co-workers?
culture of the office - do the staff genuinely seem to like their jobs? How is employee turnover? Will there be enough staff to support adding a new physician? Is the office manager available and helpful (you’d be surprised how much this will matter to you)?
DOES IT SOUND TOO GOOD TO BE TRUE? If yes, it is. They may promise you the world, but it’s because something is seriously lacking. 
As for figuring out if a place is toxic, I think if you ask a lot of these questions and you observe people’s personalities, you’ll pick up on it pretty easily. If the other docs look tired and burned out and they don’t seem to love their jobs, beware!
Finally, remember that YOUR FIRST JOB DOESN’T HAVE TO BE YOUR LAST JOB. It is 100% ok to leave and find something better. Don’t dive in head first with a long commitment before you really understand what you want in a job.
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termlifeguy · 3 years ago
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Idaho Medicare Advantage Plans
Idaho Medicare Advantage Plans
Boise Health & Life Insurance Brokerage has been helping seniors with all their insurance needs for over twenty years. Our agents work with the nation's and region's top carriers. We offer Blue Cross of Idaho, Regence, Molina, Aetna, Humana, and more. Give our office a call for a no-obligation quote or review of your current plan. Call 208-409-3382. 
There are many benefits of Medicare Advantage plans, and each of them can help you save money on your healthcare. However, the benefits are not always the same. Some people are not happy with the additional costs and do not want to be saddled with a large copayment. For this reason, it is important to compare the cost of premiums and copays before signing up for a plan. Some plans also offer extra benefits, such as help with dental and hearing aid bills.
Benefits Of Advantage Plans
Because Medicare Advantage plans are provided by private companies, they do not have the same restrictions as traditional Medicare. Some plans may require copayments out of pocket, while others may have zero copayments. Depending on your needs, you can get coverage for many services. If you are not paying for copays out of pocket, it is still worth it. You can also receive a variety of extra benefits from your Medicare plan.
The main benefit of MAPD plans is that they are more affordable than Original Medigap or Part D coverage. These plans are designed to simplify the health insurance process for people with limited resources. For instance, they can streamline care and reduce the number of unnecessary tests. Another benefit is that they require only one insurer, so you don't have to worry about finding another insurance policy to cover the gaps. Further, they are more cost-effective.
Benefits Of MAPD Plans Vs. Supplements
These plans may offer services that Original Medicare does not. If you have a chronic illness or are retired, you should not opt for an MA plan. Treatment for chronic illnesses will cost more. You'll also have to pay copayments. Moreover, diagnostics and lab tests may cost you more than you expected, which means that you'll have to spend more money than you expected. Further, Medicare Advantage plans may include telehealth services, which give you the option to consult doctors via the phone.
Some plans offer additional benefits that aren't covered by traditional Medicare. They can also provide vision and dental services. These services are usually included in the premiums, while government-administered plans do not offer them. In addition to these benefits, the plans can provide discounts for home safety improvements and gym memberships. It is essential to understand all the details of the plan before signing up. Once you have signed up, you will be able to see what each plan has to offer.
Benefits & Premiums
Deductibles and the availability of additional health care services. In addition to deductibles, you can also receive additional benefits, including transportation to and from doctors. Some plans even offer health screenings and preventative care. Choosing the best plan depends on your needs and preferences. But, regardless of the type of plan, you can rest assured that you will never pay more than you have to.
The types of plans available to you will depend on your needs and the provider network. The first type of plan you choose depends on your health status and the type of plan. You can enroll in an MAPD PPO or an HMO that offers health insurance for both your Medicare Part A and your Part D needs. A good plan can help you lower your out-of-pocket expenses, as well as save you money on medical costs.
The policies have many benefits and may have different costs than Original Medicare. Some plans may have higher monthly premiums than Original or Part B. Most plans will have a coinsurance requirement that you must pay. This can be an important benefit for you if you are unsure of which type of plan is best for you. If you're healthy and don't need prescription drugs, this optional plan will give you access to these services and not charge you any extra fees.
Which Should You Choose
You may be provided a range of benefits. Unlike Original Medicare , an Advantage plan is not complicated and can help you save money on your healthcare. Most plans will offer you coverage for Medicare Part A, B, and D. You may be able to get a discounted gym membership, reduced out-of-pocket costs, and other benefits.
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Originally published here: http://www.goidahoinsurance.com/my-post
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sernamichel · 4 years ago
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5 Ways You and Your Employees Can Save on Health Care Costs
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Many employers today are committed to providing health benefits for their employees. According to Health Reform Monitoring Survey, there are an estimated 155 million Americans under age 65 covered by employer-provided plans, so finding ways to save you and your employees money on health is crucial.
Check out these five tips to save on health care expenses.
1. Take Advantage of Cost Tools.
Health care costs should be clear to employees. That’s why health plans like Priority Health provide members the tools and resources they need to research the cost of services before receiving the care. 
The Cost Estimator tool, for example, allows members to search what in-network facilities and pharmacies charge for services and prescriptions based on each member’s specific plan, rather than a generic estimate, allowing members to plan ahead most effectively. 
To date, Priority Health members who use the tool have seen an average savings of around $1,000 per plan year when they use the tool.
Up until recently, these types of resources didn’t exist so many people are unaware about the offerings, even though cost savings can be significant. Encourage your employees to check out the cost tools offered through your health insurance provider.
2. Get Rewarded.
Many health plans also offer various rewards programs for finding a cost-effective procedure or facility. Priority Rewards is an incentive program offered by Priority Health that rewards members up to $200 for choosing a fair-priced medical procedure through the Cost Estimator tool. 
The price of procedures may vary by hundreds, even thousands of dollars depending on the facility. Knowing the cost of care and where to receive it could save your employees a great deal of money and may even result in a financial reward once the service has been completed. 
See if your health plan has a rewards program that employees can participate in.
3. Build and Participate in Wellness Programs.
Wellness programs are designed to motivate your employees to improve their health by offering rewards when they achieve predefined goals. Your wellness program should be customized to your company’s needs. 
One size does not fit all. The goal of the wellness program is to contribute to overall office health and productivity, by helping employees get and stay healthy.
Some aspects of a wellness program may include classes designed to educate employees about health risks and improving behavior, health coaching, tobacco cessation and quit smoking courses, gym membership discounts, and online health assessments. 
This can save you and your employees money by helping your employees achieve better health, and fewer doctor visits.
4. Visit the Doctor Virtually.
If and when employees do need to visit a doctor, encourage them to explore their options for receiving care. Virtual visits, or “seeing” the doctor through a video call or messaging platform, are not only a more convenient option when it comes to a non-emergent need to see a doctor, but they also are often more cost effective. 
Used for minor issues such as fevers, cold and flu, sinus infections, allergies and more, the copay for a virtual visit is on average around $45, while the price to head to the nearest emergency room or urgent care facility can be $100 or more. 
This service can help employees avoid numerous sick days, get back to work quickly and prevent an illness from getting worse, while getting the care they need from the comfort of home.
5. Get Preventive Care.
Preventive care is often an included benefit in your health plan. This means the plan pays the cost in full, and therefore, it’s free to your employees. 
Proactive preventive care is integral to staying healthy, and ultimately avoiding visits to the doctor. Preventive care includes immunizations like your annual flu shot, physical exams, lab tests and certain prescriptions.
As an employer, it’s important to make sure that your employees know the tools out there to help them save on health care expenses as well as its important to invest in business health insurance. 
Cutting down on things like unnecessary procedures, emergency room visits, and illness in general, through tools like Cost Estimator, virtual care and wellness programs, help lower health costs for everyone.
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allenmendezsr · 4 years ago
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Get Rid Varicose Veins Naturally ** Hot Niche - 70%/sale
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Get Rid Varicose Veins Naturally ** Hot Niche - 70%/sale
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    Finally Revealed: Secrets to Fresh And Youthful Looking Skin On Your Legs – No More Pain & No More Worries!
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Dear friend,
There is nothing worst than having prominent ropelike dark blue blood vessels bulging out in size on your legs.
Or having to endure the burning leg vein pain especially in the back of thigh and you just can’t stand up long enough to perform properly in your day job.
Or worse yet, these scary looking veins never heal or cure on its own and eventually become more visible in other spots, sometimes even uglier and most hurting than before.
Unfortunately millions of people like you have to unwillingly endure these hardhip every single day. Why?
=> VARICOSE VEINS
It was not until giving birth to my son 9 years ago that my visible varicose veins started to catch my attention and become a serious problem not long after.
Even though I only had these bulging varicose veins on one of my legs, it was still nevertheless unsightly, problematic and ugly.
The prominent bluish veins often scared the heck out of me. Often times I developed some skin ulcers as well as constant aching pain on my limb.
I was desperate enough to find ways to relief my varicose pain immediately. I then began my search to find the ultimate cure to get rid of these veins.
I’ve asked numerous people around, my friends, my families and my associates.
Apparently during this struggling period, not much help for varicose veins was available for me except to turn myself to professional help.
So I found myself one of the varicose vein surgeons which were highly recommended as being the best in my area.
After being hesitant about the risk factors as well as the high treatment cost, I finally decided to give in anyway.
My aching swollen leg and the hassle of not being able to stand long hours were too much to bear with
I had my surgery done on December 2008. However, 6 months onwards, I found that the recovery was somewhat painful and slow.
I wasn’t able to walk properly without pain, let alone to stand still and I constantly felt like fainting until 3 weeks later. The aching and heaviness in my leg, sometimes with swelling were simply too much to bear with and even worst than before I had the surgery.
I found that my appetite was decreased significantly while even taking pain killers did not manage my pain well enough.
I was literally bed ridden and nauseas and I finally suffered from postural hypertension because of lowering blood pressure.
Again, 5 months on, even though my veins were still visible on my leg, I constantly felt deep tissue nerve pain when I tried to exercise.
I was pretty upset that I was unable to use the gym membership and at times felt very depressed over the length of recovery, after all the time and money were spent on the surgery alone.
It was at this time I realized that not only the surgery failed to cure my varicose veins but it brought in lots of unnecessary pain and suffering to me.
My suffering from my varicose veins on my legs was already too much to bear with and I just couldn’t take it anymore.
It was an awful experience to go though.
Then I began my search over the Internet at every available moment looking for some sort of help or effective treatments for my varicose problems.
I found a large number of interesting health related sites and forums with people from around the world suffering from similar varicose problems as mine.
From there I met lots of people offering FREE information of everything on varicose veins such as how to prevent discomfort, burning pain, bulding, itchiness as well as many other tips on skin conditions like discoloration, peeling skin, ulcers and etc.
I Dig Though *Every Imaginable Forum Posts* And Sites There Is To Find Anything About Healing Varicose Veins And Spent Countless Hours Finding Out What’s Working And What’s Not.
I Ordered Access To Websites. I Got List of Possible Cures for My Predicament Which Basically Told Me to Sit All Day Long and Use Some Stupid Stockings to Cover Up My Legs!
As much as I appreciate all the advice given by these people who called themselves “experts”, sadly, I didn’t find anything that actually worked. I did try every single one of those “methods”, if not, most of them, but I just couldn’t get rid of those veins off my leg.
Here are the problems I encountered while searching for the free varicose cure online
Problem #1: Those free advice as advocated by some “experts” in the forums are just basically another free varicose vein information obtained from somewhere else. These people are just looking for fast ways to gain reputation.
They probably never suffered from varicose vein problems and don’t even bother to at least try out some of the methods to prove that they work in treating varicose veins.
Problem #2: Those ads as advertised by some companies claiming to treat varicose veins or spider veins are nothing more than clinics trying to sell their surgery packages costing thousands of dollars!.
Surprisingly, the surgeon who failed to treat my condition successfully happened to be one of those advertisers.
If you look at their websites properly, they often ask you to contact them for more details, at times offering you FREE brochures. When you do what they tell you, that’s when you present an opportunity for them to bombard you with their crazy marketing offers.
Worst still, some of your information could potentially BE SOLD as leads to some organizations. 
And after literally 11 months of trial and error into natural treatment and home remedies for my varicose veins, I finally found and used several methods which have successfully helped me to remove those ugly veins off my leg.
I have yet to see them popping up again ever since, even until now.
In fact, the benefits I received from using these natural ways of treatment FAR outweigh the benefits I received from those popular brand products sold online.
Even better still, I didn’t have to go through the complications again arising from my first surgery on varicose veins.
My name is Shirley Decker. I am a 49 year old and have been suffering from my varicose problems for almost 6 years. I would like to thank Diane for helping my problems with her excellent guide on curing varicose veins.
During my earlier forties, I used to have big bulging veins on my legs with dark stained and discolored swollen ankles. Due to my workday schedules, my legs were easily tired and ached all the time.
I couldn’t participate in any outdoor activities and most of the time I just couldn’t sleep well due to the discomfort of the veins. I used to think that hiding my legs with long pants as well as support stockings would get rid of the problems away. But they never did.
My aching has become a throbbing that was too intense for me to ignore. I finally looked up high and low for home remedies to help my problems. Any surgery was out of the equation because I was broke and had heard about the horror stories associated with bad complications arising from those surgeries.
Later when I found out about Diane’s guide on varicose veins, I immediately bought her book and followed all her steps to a tee. I was skeptical at first but was later surprised by the practically and effectiveness of the home remedies she recommended and taught.
Today both of my legs are almost ache free. I can now work and exercise whenever I want to. But the best of all, I get to wear my shorts. All these would not be possible without Diane’s effort in coming up with the excellent guide.
I highly recommend this guide to anyone who is seeking alternative cure to the varicose veins problems
God bless,
Shirley Minneapolis, MN
My report How To Get Rid Of Varicose Veins Naturally is the key to giving your leg and skin a fresh and youthful look you’ve ever imagined possible.
I don’t give you every single natural treatment available to help your varicose veins. I tried some of them and it didn’t work for me.
Some natural cures I used worked effectively but only to find those veins popping up again some time later.
So I can only give you the treatment methods which I’ve used personally that brought me the results I wanted.
There weren’t any risky methods (all of the natural methods are safe) or any dangerous side effects. The only side effects I saw was not seeing my varicose veins popping up again, period.
Yes, this report is short and but it’s concise and cuts to the chase without boring you with introductory fluffs and medical jargon
I don’t give you any fluff information like introduction to varicose, where to buy some fancy creams or compression support stockings from Amazon.
But more importantly, this report shows you can still have alternative varicose treatments and you can finally say goodbye to all those bulging veins crawling on your legs
And in case you are wondering, the methods I’ve used and listed in the report was tested and compiled throughout year 2009 and 2010.
So it’s fresh and completely valid and unlike others, it’s not one of those hastily produced and written by some ghostwriters
Here are some sneak previews on what you’ll find in this report
At first I had sclerotherapy to remove my spider veins from my legs but it didn’t help me much other than spending a bomb on that sort of treatment.
Furthermore, I used to have this large red spot on my ankle area where if I press on that area the red spot will disappear, then it will come back. It seemed like blood under the skin.
Then I was one of the fortunate ones who were given a chance to review a copy of Diane’s guide on varicose vein removal secrets.  Well you know what, after a few weeks trying out her guide and with her help in clarifying certain issues, I saw some improvement on my legs
Nowadays I don’t see any large red spots on my ankle area anymore. And I don’t even have to waste money on other treatments which may not work effectively for me.
To be frank, when you invest in this course and when used properly it will definitely change your life as much as it has changed mine. Getting rid of varicose veins now is no longer a myth.
My appreciation goes to Diane for writing this guide
Pamela Price NC
But this ISN’T just a bunch of happy hype with no downside.
Not every one of these natural methods might work on every varicose condition.
For example, some homeopathic remedies might not work on everyone. There are certain amount of herbs intake which you need that are depending on your situation.
The reality is you might not get 100% varicose-free results for every one of the methods which happened to worked for me. And I certainly don’t advocate that you can.
I tell you this to keep you level headed about what I’m offering.
All my alternative home remedy methods described in the report do work to some degree.
They’ve worked successfully to cure my varicose problems which have plagued me for almost 10 years!
But you have to put in some effort to make them work for your specific varicose veins situation.
It was my continuous desire to improve my situation that helped me cure my varicose veins successfully. As long as you understand where I’m coming from you’ll do well.
But if you are lazy, and you want fast results with no work, then please don’t order my information.
I say practical because all the methods described are easy to follow and will not involve significant time as well as money to you
Since I don’t believe in selling half-baked information, if there’s any natural method of curing varicose veins that was not proven to work effectively or deemed unsafe I don’t describe about it.
This report is the product of my own extensive research as well as trial and errors.
And since I was able to get rid of those veins off my legs and constantly on the look out for ways to prevent them from popping out again, I have just as much as a vested interest in this information as you do.
One of the biggest problems I frequently encounter in my quest for information regarding varicose veins treatment is the tremendous amount of misinformation that exists, especially among the general websites you can find online.
Sadly, I was one of the many people who are completely unaware of the natural and safe techniques one can learn to get rid of the varicose veins for good.
I constantly read about how some ‘experts’ found online are advocating the idea that they will just have to live with their vein problems, or that all they can do is to wear compression stockings, or that their only option is to have one of those painful, traumatic vein-stripping medical procedures that many of the doctors have been telling us.
Now I’m not against these procedures but c’mon these are already considered to be obsolete. Unfortunately, some of my other friends having the same varicose problems are still hearing these same old comments even from their family physicians. None of these things could be further from the truth.
Diane Thompson from this site has done an exceptional job of displacing these false notions about varicose veins and how normal people like you and me have the chance to get rid of varicose veins for good using everyday natural methods which are available to us for free.
Varicose Veins Removal Secrets is very clear, concise, understandable, and enjoyable to read.
It promises to be an outstanding learning resource for anyone seeking valuable and safe alternative means to permanently remove varicose veins from their life.
Stephanie E. Toronto, ON
In Varicose Vein Removal Secrets, Diane Thompson describes varicose veins natural treatment methods in a straightforward, easy-to-understand manner. This guide will serve as a valuable resource for anyone wishing to make their life free from the agony of varicose veins. It will also serve as an ideal reference guide for anyone seeking alternative solutions to varicose treatments other than the conventional medical approach.
Jena Addison Toronto, ON
Can varicose veins come back after treatment? In many cases varicose veins do come back, even after surgery has been done (just like in my case). Unlike surgery, natural home remedies and herbs are used to tackle the root cause of the varicose veins. Hence, in natural healing methods, you often see long term effects in preventing varicose veins from coming back again.     Why can’t I go for laser removal or stripping procedures? Varicose veins are problems which can be treated by laser veins removal but the disorder CANNOT be permanently cured.
Any surgery does not remove the original tendency of a patient to develop the varicose veins because the root cause of varicose problem was not addressed in the first place by modern treatment.
That’s why you’ll see many patients need to return for maintenance (me being one of them in the old days) after their initial treatment was completed, thus spending yet another bundle of cash on further sessions.
    Can your methods applicable to pregnant mothers? All the methods described in the report are safe and they are naturally. But just to be sure you should always consult your physician or obstetrician beforehand     What will happen to me if I don’t go for any treatment at all? Varicose veins are serious issues and need to be taken care of.
Unlike spider veins, untreated varicose veins can leave behind blood clots which are formed in the veins themselves which can become mobile and move up to the lungs or heart, therefore causing death at times.
And it could happen to you if left untreated!
“This guide is truly life changing …. “
I’ve been having varicose veins since I was in my early teens, so you can understand the severity of my problem.
Bumping on my legs as well as having my kids leaning on them is excruciating. I can’t even sleep property having both my legs on top each other due to the discomfort and pain. Forget about some stupid stockings that don’t work. Getting surgery done is simple out of the question
Now after weeks of trying out the methods in Diane’s guide, I finally found hope in curing my problems. The pain is almost non-existent! I have been sleeping normally eversince and have yet to experience any constant “bruising pain” which was common back in those days.
I simple love the yoga techniques as taught by Diane in the book. The techniques were so effective and relaxing to my veins. I’m now even considered a yoga expert by my family 🙂
The home remedies like the special juices she recommended were just so simple and easy to prepare. I never knew why I never thought anything about that in the first place.
This guide is truly a life changing. Thanks Diane!
Serena Schneider SPRINGKELL,UK
For a simple guide Diane has put together, this packs a wallop of information. I’m actually working in the medical field and have been actively searching for answers to my questions about varicose and spider veins for a long time.
I was pretty surprised to learn that most of the doctors and nurses I work with were as ignorant as I was!.  Even though there was a medical library which I have access to, but most of the time I ended up with medical texts the size of phone books that are often filled with medical jargon.
Being someone in the medical field for quite some time, I understand the jaron but I really didn’t want to wade through it to get the information I needed about varicose veins treatment.
Then luckily I found Diane’s site which offers her own guide about some of the many ways which we can do to get rid of varicose veins naturally. What I like about this guide is that the author did tons of research but boiled it down to a “cut-to-the-chase” primer.
Thank you Diane and her wonderful team for writing this guide. I can’t tell you enough what a difference it’s made for me.
Amanda Hamilton UK
As someone with long-standing spider veins, I’ve had many varicose questions for years that even my doctor couldn’t answer. This guide answers them all, and it’s so easy to understand. I like the guide’s positive ways of presenting the methods I can learn to help prevent spider veins naturally without resorting to any expensive or risky treatments.
Patricia Hauk Magnolia, OH
CLICK HERE TO DOWNLOAD NOW – INSTANT ACCESS
Other sites you find online never really state clearly the actual cost of treatment for signing up treatment packages with them.
They may give you free assessment and consultation instead. That’s because the cost varies from one another and may rake up to US3000 per treatment on ONE leg! (No wonder they rather want you to call in than simply placing the price tag on their website)
Some sites even sell you obscure never heard before products or creams which simply act as masking to your skin. They NEVER really cure the root cause of your varicose veins.
Simply hiding away your skin is never a solution for your varicose problems
My experience with Diane’s Varicose Veins Secrets has been very rewarding. The results from applying some of the techniques Diane taught me have given my legs a second chance to be pain free and look great.
Thanks for her brilliant research and easy to understand solutions which simply worked for me quite well.
You see, when I was in my mid forties, my legs were having those big bulging veins and dark stained discolored swollen ankles. Most of the time my legs were very tied and ached throughout the workday. Initially I just thought that wearing long pants would hide the bulging veins and the aches were to be ensured with support stockings and a little aspiring. And boy I was totally wrong.
The situation was quite unbearable until one of my friends introduced me to Diane’s website about natural vein removal techniques. I got myself a copy of the ebook and learnt up all she had to tell about treating my conditions naturally.
Today, both of my legs are virtually ache free. I’m able to work and exercise confidently.
Best of all I wear shorts and swim trunks whenever I like!
Thanks to Diane for coming up with this excellent guide.
Peggy Bensalem, PA
For US27 you’ll get the safe and proven natural healing methods which I’ve used personally to help me get rid of the veins.
There are no drugs, no needles, no injections or any illegal substance used in the methods.
And you have my personal guarantee that you will benefit from these healing methods or your money will be promptly returned
60 Days , NO-RISK, UNCONDITIONAL 100% MONEY BACK GUARANTEE!
Your satisfaction is 100% guaranteed. Scrutinize the varicose program closely. Examine it. Test it for up to 8 weeks. Use the program to the max.
You will be thrilled with your results, or I want you to simply write and tell me, and I’ll send you a prompt and courteous, no hassles, no questions asked, 100% refund.
Bonus#1: The Stretch Marks Solution
In this report you’ll learn the secrets of how you can remove your stretch marks naturally and permanently.
You will find:
    Bonus#2: Skin Rules:Secrets to Total Flawless Skin
Let’s accept the fact: many of us wanted to have a fresh, good looking skin.  However, we tend to ignore what is actually right or wrong for our skin and buy some beauty products that just worsen whatever skin imperfections we have as it turns out in the end.  So, now is the time for change. 
Here are some of the techniques you’ll learn
    Bonus#3: Breaking Out: Guide To Acne Free Living
Chances are pretty good that you’ve been lied to about what acne is, what causes it, and how to make it go away.
In this guide you’ll uncover
    Bonus#4: Wrinkle Miracles:Wrinkle Reduction & Skin Rejuvenation Secrets
Wrinkle Reduction And Skin Rejuvenation.pdf
Many people do not know the secrets of how to keep their skin looking youthful, fortunately for you this guide will get you on the right track.
You’ll learn
You can use VISA, MASTERCARD, DISCOVER, and AMERICAN EXPRESS to order via the link below.
For your safely I am using the Internet most trusted and secured third party payment processor, Clickbank.
I will NOT have any access to your credit card information except only receiving notice that you’ve made the order
Once your payment has been processed successfully, you will be given an immediate access to a page where you can download the report to your computer.
100% Safe and Secure. All orders are processed by Clickbank, a legitimate third party payment processing company which handles your payment securely.
You’ll get immediate access to the report. No waiting! PLUS….Free updates for 1 full year. 
Internet Security Notice
Your payment is processed via Paypal & Clicbank order system which are the most secure and trustworthy online method of payment worldwide and I will not have any access to your credit card details
Do yourself a favour now and don’t procrastinate. Varicose Veins Secrets ™ may be your first and only chance to gain your freedom from ever worrying about those ugly looking veins, again.
Remember, you will have a full 60 days to review and inspect this program put the methods to test and see how it works for you.
With my iron clad guarantee 100% refund guarantee, there will be no risk on your part. To be frank with you, you have nothing to lose by at least trying out the varicose remedies, so click on the order link today!
Warm regards,
PS – Just in case when you are nervous about ordering from somebody you don’t know, I want to reassure you that you are not dealing with some fly-by-nighter.
I’m simply a mother who used to suffer from agony of having severe varicose veins but has since found effective cure via natural treatments.
I once suffered from having the miserable pain caused by these veins but had no one to turn to and I completely understand how frustrating it can be to maintain your normal lifestyle. I know that what I’m selling here will help you tremendously
And if this report doesn’t (in which I really doubt) then you can ask for your money back within 60 days of purchase and get it with absolutely no hassles.
It is my hope that my honesty will make you feel better about placing your order from me.
If you have any additional questions which I have yet to addressed, please don’t hesitate to email me. I will reply to you within 24 hours.
God bless and good luck!. Click here to download now
I’m one of those who have read many books and bought many guides out there on the Internet to find any sort of natural treatment and cure for my varicose veins. I even tried many of the stuff which they recommend but found no apparent results, until I found out about Diane Thompson’s varicose veins removal secrets
With clear guidance and great useful tips along  the way, Diane’s guide has never failed me in helping me to get the kind of removal results which many people have considered a miracle to get.
I highly recommend this guide to anyone seeking most effective methods to help them improve their varicose veins problems without resorting to any expensive or risky surgeries.
Becky C. Donovan Saint Louis, MO
I’m one of the unfortunate ones who have been having this spider vaines which are tiny veins with reddish color, purple and blueish. Most of the time my leg hurt real bad and they are very sensible.
I always wanted to know if these tiny veins are curable and that they can be removed without resorting to one of those risky yet expensive medical treatments often advertised in the newspapers.
After searching in Google I finally found your site and after downloaded your guide I immediately put into practice all the steps required to treat my veins naturally.
The results have been really fantastic  and I’m beginning to see some improvement over the color of the veins after couple of weeks of trying. I’m still trying out some of the natural ways to help my varicose veins and hopefully things will be better in the coming weeks.
Thanks for your help Diane!
Nancy Rodgers Butler, PA
Diane,
I’m impressed with one of your methods in helping to relieve the pain caused by varicose veins. I’ve never thought that such simple stuff can do wonder for my situation. You see, I have been having these very painful veins in the bend of my left knee. It normally doesn’t hurt much unless I do a lot of stairs and activity.
Even though I’m overweight but I’ve been working religiously on loosing it. I can hardly walk whenever I carry some weight and it is so painful in my left leg that I can hardly bear with it. When I go to my bed  my leg normally aches terribly and I can’t even sleep.
Now that my pain has been greatly reduced without taking any of those pain killers, I’ve begun to enjoy my night sleep more than ever.
I can’t thank you enough for what you’ve put together in your guide. I’ll definitely gonna spread the news about your guide on varicose veins.
Shirlene R. Robert Whitman, NE
CLICK HERE TO DOWNLOAD NOW – INSTANT ACCESS
©2009-2015 VaricoseVeinCures.com 
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workfromhomeyoutuber · 5 years ago
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Planning Center: Ruby on Rails / React Developer
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Headquarters: Carlsbad, CA URL: https://planning.center
At Planning Center, we build powerful web and mobile applications for churches. Each of our eight products has a dedicated team of designers and developers committed to refining and expanding that product in response to real customer needs. Our customers include not only over 90 of the 100 largest churches in the country, but also tens of thousands of small community churches, and we strive to make day-to-day operations easier for all of them.
We’re a development driven company, founded and led by a developer. Over half our staff are either devs or designers who code! We’re seeking another developer with expertise in Ruby, Rails, and React to help make our software even better.
The job
Our products are built on Ruby and Javascript, so you'll spend most of your time working in these languages building new features with your team. With over 50,000 customers, there's no shortage of interesting scaling and security work to be done. You'll interact with our Platform team as you work on performance tuning, reliability, and improving the various subsystems and APIs we rely on. You'll occasionally collaborate with our Support team as you work on real world solutions for customers.
In your daily life at Planning Center, you can expect to:
Take ownership of your projects and have a voice in how and what gets built.
Collaborate with your product manager, front-end designer, and fellow team developers.
Engage in a healthy culture of code reviewing and pairing alongside a team of smart, thoughtful, like-minded developers.
Developers at Planning Center are:
Invested. We care about the products we create and the people we create them for, and we all contribute to the vision and direction of our products. Every one of our developers is critical to their team.
Curious. We aren’t afraid to ask questions, experiment, and iterate. We also love playing with fun new technologies, and we have Free Weeks every few months for exploring projects that spark our interest.
Humble. We are always looking for opportunities to grow and learn from one another.
We believe the strongest teams are made up of people with diverse backgrounds and experiences, and we are committed to cultivating that diversity here at Planning Center. We are ready for the ongoing work that goes into building an inclusive, supportive place for you to do your best work.
Where we work: 
Planning Center is a company of about 95 people in total. About 70 of us are spread across the US in home offices and coworking spaces. Although we have a rad office building in Carlsbad, California (near San Diego) our work culture is optimized for our distributed teams. So, we rely heavily on tools like Slack, Basecamp, and video conferencing throughout the day. A few times a year we gather together for team retreats.
When and how we work:
Planning Center is serious about work-life balance. We take meaningful steps to avoid burnout and it's the main reason we have an absurdly low employee turnover across the entire company. We avoid deploying on Fridays, we mute Slack notifications on the weekends, we don't feel guilty about vacations or sabbaticals, and we trust people with their time. 
What to expect if you apply:
Here's what the entire application process looks like:
Submit your resume by April 3, 2020.
We'll have a quick and casual phone call (10-15 minutes) to introduce ourselves and to double check that this position is the type of position that you are interested in and could be a good fit for.
You'll be sent a programming exercise covering the basics of the tech stack that we use at Planning Center (Ruby, Rails, and React). This is an opportunity for you to see a glimpse of the kind of work you'd be doing here, and for us to begin evaluating technical skills.
A live pair programming exercise with our team. Someone from our team will type as the two of you work through a pair programming exercise together. There are no whiteboards and no typing! You'll get to meet another potential future co-worker, and we'll get a glimpse into how you work as we make some tests pass together.
Pack your bags, you're coming to San Diego! The final step is a day in our San Diego office where you'll get to meet our leadership team and members of your potential new product team. It will be a full day of interviews with different people where we'll both have lots of chances to find out if we're a good fit for each other.
It's offer time! Throughout all the previous steps, your expertise and experience have been assessed against our well defined developer levels and the salary amount of the offer will be decided solely based on that assessment. At Planning Center, every developer of the same skill level makes the same amount (plus a small bonus for seniority). We aim to pay at the 90th percentile for each level based on research from Payscale.
Requirements
Eligible to work in the United States.
If remote, must be willing to travel to the office four times each year to connect with the rest of the team in person.
Proven experience as a full stack developer (or similar role) using Ruby, Rails, and React.
Benefits
We love our people and want this to be the best place for them to work. In addition to a competitive salary (starting between $100,000 - $150,000 depending on expertise), we offer:
Full health, dental, and vision coverage
Company contribution to a 401(k)
Mobile phone stipend
Co-working stipend
Health stipend for counseling or a gym membership
Charitable giving match
Paid maternity, paternity, or bonding leave
Paid vacation and holidays
Paid Fridays off in the summer 
Continual education allowance for books, videos, or conferences
Free weeks every several months to work on a project of your choosing
Gear
We'll provide all the things you need to get your job done. That includes a laptop, monitor, standing desk, and chair.
Work from Anywhere in the USA
We are dedicated to hiring the best talent available; part of working at Planning Center is the option to work remote! We fly our remote team into the office once every quarter, so you can enjoy the nice California weather and connect with the rest of the team (75% of which is remote).
If you've applied in the past, feel free to apply again!
To apply: https://apply.workable.com/pco/j/E9C2D28E18/
from We Work Remotely: Remote jobs in design, programming, marketing and more https://ift.tt/2vtuwvX from Work From Home YouTuber Job Board Blog https://ift.tt/2TW1Rcg
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