#guaranteed insurability
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Whole life insurance for children has several notable advantages.
Locked-in low premiums: Premiums are based on the child's age when the policy is purchased, so the rates are guaranteed for life. Guaranteed insurability: The child will be able to maintain coverage regardless of any future health issues that may arise. Cash value growth: The policy builds cash value over time that can be accessed later for things like education expenses or a down payment on a home. Lifelong protection: As long as premiums are paid, the coverage remains in effect for the child's entire life.
#Children's whole life insurance#Affordable premiums#Locked-in premiums#Cash value accumulation#Generational wealth transfer#Lifelong coverage#Long-term financial protection#Guaranteed insurability
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Sun Grepa Peso Asset Builder returns: Unlocking wealth and security beyond borders
In the ever-evolving landscape of financial goals and aspirations, affluence often brings with it a unique set of dreams – dreams that revolve around building, securing, and sustaining wealth for a brighter future. For the privileged few in the Philippines, these aspirations are about to receive a significant boost as Sun Life Grepa Financial, Inc. (Sun Life Grepa), a renowned life insurer in the…
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#affluence#credit and equity-linked Note#financial goals#financial prosperity#financial security#global investment opportunities#guaranteed insurability#international markets#investment-linked life insurance#limited time opportunity#Philippines#press release#Richard S. Lim#Sun Grepa Peso Asset Builder#Sun Life Grepa#Sun Life Grepa Financial#tailored financial solutions#wealth accumulation
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Guess who got her!
#local online shops my beloved#5 layers of protection and a guarantee insurance if it got damaged#I might get the lady Maria figma for my birthday who knows~#rin rambles#bloodborne#the doll#bloodborne the doll
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wild how in every culture, failing restaurants are such huge targets for people who want to light stuff on fire.
#the natural predator of restaurants that are guaranteed by insurance: arson#if you have a restaurant hold it close tonight
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I don't have a lot of energy these days [because of The Horrors] so I'm looking at my day and my priorities and trying to plan how I'm going to spend what energy I have, because I do need to be able to rest and relax but there are also things that need doing and that is a careful balance for me.
I managed to [mostly] clean the kitchen last night so I've kicked it out of the priority list until next weekend. Unfortunately the living room, bathroom, bedroom, and my office all need cleaning too. I think of the priorities, my office and the bedroom are the most important to me, so I'll probably push the living room and bathroom until at least Friday.
There's also the laundry. I don't have any clean clothes and as we're moving into winter I need to be more rigid about getting that done because days where the clothes can be dried on the line will be more limited. So I definitely need to wash an outfit or two and hang them up in the next hour.
That's already a really busy day, so I'll probably cut it there. But it's definitely going to still leave me a lot of work this week. Half my cleaning, at least one more round of laundry, settling dog food for the next couple of weeks, planting the fall/winter greens, doing some set up work on my computer, work on some writing projects, cleaning out the fridge, and patching some worn clothes. My work week isn't insane atm, but it is definitely limiting. Right now I have 6+4+0+4+2+5+5= 25 non work/non-survival needs (sleep, food, shower, etc) hours available each week. I need to figure out a regukar distribution of these that means everything is getting done and I still have an hour a day to myself as often as possible. I think it's probably not realistic to give myself more than an hour a day for free time/fun, which is a bit unfortunate because I've found in the past that my floor tends to be getting 2-3hrs of free time most days because of how I deal with transition and decision-making.
25-7 [1hr per day] is 18 hrs, so I just need to decide where and how to distribute those in order to keep pace with things.
Lets say the garden needs 3hrs per week, the laundry needs 4 hours (specifically 2 sets of 2 morning/early afternoon hours), the cleaning needs an hour a day to get through a maintenance clean of the house, and 3 hours once a week to work down any deep cleaning that's built up. Which is....already three more hours than I actually have each week. So I guess I'll make a plan to work in the garden for 20-40min of 4 of my free hours each week.
It really doesn't leave me any wiggle room. Only about 4 hours a week that isn't explicitly allotted to something that needs doing, which means there will probably me a lot of weeks where I only get an hour or so at best across the whole thing for free time. I guess I've had a hard time accepting that at this point, having actual time for myself or a time-intensive project is only available if I've taken a day off work. I love my job, but it's ... not comfortable to realize that it's the only love in my life I actually have time for anymore.
I think that's probably why I end up here so much. It's this mindless little way of zoning out into my own head, dissociating away from the exhaustion, for a few minutes at a time. I keep thinking I want to use this space differently, make it more if the things I enjoy. But I think what I really want is just to actually have the time and energy to do things I love that take work. I keep crying a few times every day and I couldn't figure out why, but like
I dunno
Why **wouldn't** I cry a little every day? It's the closest I'm getting to actual emotional release or relaxation in my life. We'd probably all cry. Heck. A lot of us probably DO, capitalism being what it is.
I guess I'm starting to wonder why I'm doing what I'm doing. What is there left for me to sacrifice to this life? What is actually serving me about not just letting myself go up like a fireball and take my surroundings with me? What in the ever loving fuck am I fighting this hard for?
All I ever want, all I want now, is to be able to live. To really, actually live. How does wanting to live bring you this close to killing yourself, whether on accident or on purpose? What am I actually doing that is LIVING and what am I doing that is FACILITATION of living? It can't all be facilitation, or I'm not actually facilitating fuck all.
I'm 30 goddamn years old and I need to figure out what it looks like to actually love my life. I fundamentally refuse to zombify myself like this for everyone else around me forever.
#i really wanted to believe that if i just sat down and did the math i'd be able to figure it out.#but there is literally not enough time in the day for me to do all this.#i suppose i could sleep less. it's...not great for me to get less than 9 hrs a day#but i could probably pull it off for brief stints#a week on a week off or something#get an extra two hours a day that way#and then of course there's my old go to#i could just stop eating or taking care of myself#lord knows it's my well-being that restri ts my time more than anything else#and if i work myself to death like mom did instead of committing suicide at least the life insurance pays out#in case anyone gives wifey inheritance trouble#i already don't eat until dinner so that part won't give me a TON of extra time#but an hour a day at the end of the night to write does sound lovely so it might be worth it#on the weeks i sleep less i could use my 2 extra hours a day to do ingredient prep so that wifey's food doesn't go to waste as much#maybe even work on the garden and the yard's facilities a bit. i have a few projects that need time and attention so those'd fot in#if i cut my pain meds too i could put an extra $50/week back in my budget and i could use that for project supplies and emergency funds#god even thinking about this is making me so tired.#i don't know what this will leave of me#i've been doing this so long now#feels like the last time i remember having a consistent hour to myself every day was my BA sophomore year#and that was the first time too lmao#i'd spent high school waking up at 3am every day after going to bed at 12am because I needed to do my hw in the mornings#my bus left at 7:30am and i had to do all my paper assignments - make myself lunch for the day - wash dishes/tidy the kitchen - and THEN#i could finally make sure i had my shit together for the bus and maybe nap for 5min#then i didn't get home from school until 4pm and i had to fix the kitchen from whatever my parents did before i got back#then make dinner for the family#then clean the living room from whatever the pets had dome all day#then take the dog for her nightly walk and take a shower#and usually sometime after dinner around 9pm I would get permission to run to my room and try to get a head start on my hw before 11pm#that was my lights out curfew so it gave me a blessed single guaranteed hour to do something for me.....assuming i could stay conscious
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Introduction
This article will discover How Commercial Outdoor Entrance Mats Can Improve Safety. In industrial environments, retaining costs under control and visitor and worker safety paramount are crucial issues. Strategically setting outdoor entrance mats is one often-not-noted method that efficiently addresses both troubles. This mattress reduces the cost of maintenance and overhaul by preventing falls and spills by preserving the environment around indoors for longer
Understanding the Diversity of Commercial Outdoor Entrance Mats
There are numerous types of business outdoor entrance mats, each made to fit unique situations and necessities. Options starting from absorbent mats that take in moisture to scraper mats that successfully dispose of debris from footwear are to be had to meet any need. Aesthetic choices, weather, and foot traffic quantity are only a few of the factors to recollect even as choosing the correct mat.
Enhanced Safety with Commercial Outdoor Entrance Mats
The primary purpose of outside entrance mats is to improve safety by using reducing the threat of journeys, falls, and slips. This matting drastically decrease the hazard of mishaps by using imparting an extra traction-rich floor, particularly in damp or slick circumstances. They also keep footwear from being tracked interior and developing problems by collecting moisture and particles from shoes.
How Commercial Outdoor Entrance Mats Reduce Maintenance Costs
Over time, you may store quite a little cash on protection by investing in great outdoor front mats. These mats protect indoor flooring surfaces from dust and moisture at the entrance, increasing their durability and decreasing the want for common cleaning. By doing this, exertion fees are decreased and the demand for expensive cleaning resources and gear is reduced as nicely.
Factors to Consider When Choosing Commercial Outdoor Entrance Mats
When deciding on access mats for commercial locations, there are a few matters to not forget. These include elements together with placement and length to guarantee top-of-the-line insurance and efficacy, sturdiness to face up to sturdy foot visitors and awful weather, and customization selections to meet branding specifications.
Installation and Maintenance Tips
To maximize the use and durability of outside entrance mats, proper installation and maintenance are crucial. By using the counseled installation techniques, you could lessen the hazard of journeys and falls by ensuring the mats are firmly and flatly hooked up. Moreover, frequent upkeep and cleansing, such as vacuuming, shaking, and washing, contribute to their persevered efficacy.
Cost-Effectiveness and Return on Investment
Good entrance mats may be steeply-priced up the front, but in the long run, the benefits heaps outweigh the price. These mats provide corporations a robust go-back on funding because of the reality they minimize place and tear on interior surfaces, decrease the want for ground cleanings, and avoid injuries that could cause pricey legal responsibility claims.
Environmental Sustainability
Eco-friendly access mat solutions are developing in reputation as sustainability will become an extra considerable issue for companies. These mats, which might be lengthy-lasting and products of recycled substances, help business sustainability objectives in addition to making indoor space purifiers.
Future Trends in Entrance Mat Technology
It is anticipated that future developments in entrance mat generation will concentrate on improving effectiveness and overall performance. Mats with superior dirt and moisture retention and much less complex protection will quit result from material and design enhancements. Real-time mat overall performance monitoring and management also can be made possible via integration with clever building systems.
Conclusion
Commercial outdoor entrance mats play a crucial position in improving safety and decreasing preservation prices in business spaces. By preventing slips and falls, minimizing dirt and moisture access, and defensive indoor surfaces, those mats provide a cost-effective approach to commonplace facility management demanding situations.
FAQs
How do outdoor entrance mats improve safety?
Can entrance mats really reduce maintenance costs?
What types of materials are used in commercial entrance mats?
How often should outdoor entrance mats be cleaned?
Are there any regulations regarding entrance mats for commercial spaces?
#Introduction#This article will discover How Commercial Outdoor Entrance Mats Can Improve Safety. In industrial environments#retaining costs under control and visitor and worker safety paramount are crucial issues. Strategically setting outdoor entrance mats is on#Understanding the Diversity of Commercial Outdoor Entrance Mats#There are numerous types of business outdoor entrance mats#each made to fit unique situations and necessities. Options starting from absorbent mats that take in moisture to scraper mats that success#weather#and foot traffic quantity are only a few of the factors to recollect even as choosing the correct mat.#Commercial Outdoor Entrance Mats#Enhanced Safety with Commercial Outdoor Entrance Mats#The primary purpose of outside entrance mats is to improve safety by using reducing the threat of journeys#falls#and slips. This matting drastically decrease the hazard of mishaps by using imparting an extra traction-rich floor#particularly in damp or slick circumstances. They also keep footwear from being tracked interior and developing problems by collecting mois#How Commercial Outdoor Entrance Mats Reduce Maintenance Costs#Over time#you may store quite a little cash on protection by investing in great outdoor front mats. These mats protect indoor flooring surfaces from#increasing their durability and decreasing the want for common cleaning. By doing this#exertion fees are decreased and the demand for expensive cleaning resources and gear is reduced as nicely.#Factors to Consider When Choosing Commercial Outdoor Entrance Mats#When deciding on access mats for commercial locations#there are a few matters to not forget. These include elements together with placement and length to guarantee top-of-the-line insurance and#sturdiness to face up to sturdy foot visitors and awful weather#and customization selections to meet branding specifications.#Installation and Maintenance Tips#To maximize the use and durability of outside entrance mats#proper installation and maintenance are crucial. By using the counseled installation techniques#you could lessen the hazard of journeys and falls by ensuring the mats are firmly and flatly hooked up. Moreover#frequent upkeep and cleansing#such as vacuuming
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once again given stupid and frustrating news about my continuing attempts to get health care and it's making me feel extremely evil, so friends and followers, if you comment something on here I might make you a doodle tonight (16MAY24) after I'm done with all my responsibilities so I can feel a little more kind and a little less like the world only has one neck
#my legal name doesn't match the name on my insurance#despite literal years of trying to update it#and I thought it was finally fixed today#but found out that no it was only fixed on the old system they don't use anymore#and that I still can't go in and get my tests done#so I'm sitting here sore and angry#no guarantees that you'll get anything good or even fun#but w/e it's free doodles
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ironically even though i just re opened my etsy i might have to close it again soon cuz i got a job technically and i might lose my state insurance with both incomes
#such bullshit bc i would still make fuckin pennies but#id prefer the guaranteed amt without all the material cost vs the gamble of etsy#ykwim#but i need to get some health shit sorted out and i cant afford insurance otherwise. aint that cool#daze.txt#might not be a bit still til i get paid at all so i might stick around through august somewhat#might still sell chokers n stuff thru like. kofi or smth. but less pressure to do so yk
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Call Your Insurance - benefit questions
I get it, phone calls are scary! Here's some scenarios to show you what to expect when you call your insurance company. Don't be afraid to ask follow up questions - the only 'stupid question' is one you don't ask!
[beginning of call] Insurance rep: Hi, thanks for calling your insurance company, my name is X. How can I help you today? You: Hi, I'm calling to ask about my benefits. Rep: Okay, can I get your member ID number? [you provide] and can you verify your name and date of birth for me? [you verify. they may also ask for your phone number at this point.] Rep: Alright, I've got you pulled up here. What questions do you have today?
[example one] You: I think I need to see a specialist and wanted to know what my benefits are for lab work. Rep: Okay, give me a minute to get that information for you. [answer will obviously vary! they may ask clarifying questions to help find an accurate answer, such as diagnosis/issue you are seeking help for. they may also have to provide a disclaimer that they cannot guarantee benefits quoted] It looks like you have a $45 copay for specialist office visits, and that can include some basic lab work if it is billed on the same claim. If they send it to a separate lab, then your In Network benefit is 80% after deductible. You: Can you check to see if the specialist is In Network? And do I need a referral? Rep: Sure, what's the doctor's name? [they may tell you to verify with the provider if they are In Network, as not all insurance reps will have access to 100% confirm a provider's network contract status, unfortunately.]
[example two] You: I'm going to need surgery. What are my benefits? Rep: I can look that up for you. Where will you be having the surgery? [surgery benefits can depend on whether you are inpatient, outpatient, or in-office] You: At the hospital, I might have to be there a few days. Rep: Okay, inpatient services require precertification. Your doctor will need to start that process by submitting a precert request to our fax number or through our website. The benefit for hospital services is 80% after deductible. It looks like you've already met your deductible, so that means you'll be paying 20% until you hit your out of pocket max, which is $4000 for In Network services. You: Does that include my deductible?
[end of call] Rep: Is there anything else I can help you with today? You: No that's all. Can I get a reference number for the call? [feel free to ask for their name again if you didn't catch it or forgot! some systems don't have reference numbers and just use the rep's name and the date, so its always good to keep notes of when you called, who you spoke with, and what they told you!]
#marie#op#advice#scripting#phone calls#social anxiety#insurance#healthcare#benefits#also btw re: disclaimers#it'll be something like 'this is a general description of benefits and not a guarantee of payment'#its for situations where maybe they quoted INN benefits but you go to an OON doctor.#or other cases when what you talked about on the phone isn't what ended up going down.#as someone who had to give that disclaimer a million times#i hated being like 'yeah trust me you're covered' but also 'probably idk who could say for sure not me your insurance rep apparently'#misquotes do happen#but most of the time you'll get accurate info if you provide clear details about what services you need.#if your doctor can give you the procedure and diagnosis codes that can help a ton when you call your insurance
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god this is when me avoiding all the fucking admin shit bites me in the ass.
trying to finally sort out all this fucking bullshit with my home country (where i havent lived since before i turned 18 and have no intentions of ever permanently returning to), and of course they're stuck in the 80s or something so everything needs to be signed, stamped, officially translated, approved by three different agencies etc etc etc. and of course i live in an extremely digitalized country now so everything has digital signatures (not accepted by my home country) and i can't even /get/ everything
#herr's personal tag#ugh#fuck this shit. seriously.#i possibly owe them like tens of thousands of dollars in health insurance payments#even tho i havent lived there for years and ive been covered in my current country of residence#and it's illegal to be insured in 2 EU countries at once#and also i counted as a full-time student until about a year ago and full-time students are exempt from having to pay for insurance#and of course my mother was like#“yeah i got it all sorted”#well#turns out im so fucking stupid i cant even believe it. because of course it's fucking not#and like i know she's full of shit sometimes and i've heard her say stuff related to this that i know was incorrect#i so should have known better. but here we are#so now i gotta#1. fucking finally deregister from both the country and the insurance company so this doesn't keep getting worse#(at least this should be doable tho there might be a fine included for not doing it earlier)#2. get a bunch of documents from my high school and uni#and get those approved as equivalent to full-time studies of the appropriate level#which is gonna be fun because not all of these even exist over here and also my degree was an integrated masters#so there's no clear undergrad/grad division#3. try to retroactively apply to have my insurance payments from all these years forgiven#also 4. get proof that i've been insured over here for the past 10 years and shouldn't owe any insurance payments anyway#because being insured in two countries is impossible under EU law#and also try and get the payments forgiven that way#ughhhhhhhhh#and there's no guarantee they'll accept any of this as i'm doing it all retroactively#and i don't know what my mom has/hasn't done in relation to this as she's definitely faked some power of attorneys etc in the past#and she will 100% lie about this#srsly fuck all this shit. i'm also moving to yet another country in 2 weeks. it's gonna be sooo much fun
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the sheer and utter agony of waiting for a call back for medical things , , , , ,
#i have called#so many medical people in the past two days#i finally got my referral but the person they referred me to had Really Shitty Reviews i come to find out#and wouldn't see me until mid february at the earliest#so i've been#on and off the phone with my insurance asking what i can do#and they finally got me the info for another office#but they wouldn't talk to me until i had the referral sent to them#so i had to go BACK to my insurance and say 'yes please send the referral to them'#and then i was BACK to the new office but they didn't pick up so now i'm just#waiting for a call back so i can hopefully schedule an appointment#sometime before mid february#it is#kind of a leap of faith at this point because there's no guarantee they'll have any appointments earlier#but at the same time#they literally list the medical procedure i need on their office website which is Leagues™ above the other office#which had a blank facebook page and nothing else#(and also reviews saying multiple people got turned away for their issue being '''too big''' for them to deal with)#(with most people citing 'it was bigger than a pea and they said no' which is)#(bad for me who is dealing with a rapidly-growing walnut-sized tumor)#(which will be the size of a lime by the time i see them in february)#(so here's hoping 🤞)#anyway sorry for the constant tag vents i am just#going through a whole lot of nonsense right now sdkfjhglk
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I know I don’t have a ton of followers on this blog so I’m trying to gauge what my best bet is to earn some extra money to cover this because 😬 MRIs are expensive af
#don’t want anyone to feel pressure at all to help me out#push comes to shove I can manage#but it’s 500 for a base MRI with my insurance#and that’s uhhhh#well#it’d be nice to try to supplement that if I can#especially since it’s not guaranteed to give me answers
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btw i’m like ughhh bc i need my migraine meds refilled but i need to get my doctor to send in a new script and it’s frustrating bc my insurance runs out at the end of the month and i really cannot afford these medications without it one of them is almost $300 without insurance. 😭
#that’s one of the daily ones. i forget how much the other daily one is without insurance#and my as needed one is like $60 i think? sighs. i’m worried abt that one the most#i know my daily ones have made a slight difference i can tell it affects me when i forget to take them#but my as needed one is so important bc it’s the only thing that can stop a migraine for me once it’s started#and even then it’s not always guaranteed but it works leagues better than otc stuff like excedrin or whatever
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Whyley just shared that post about Taylor providing insurance for her crew
#I think this also confirms that her dancers have insurance too#for non Americans out there Americans get our insurance as an employee benefit#and you’re not always even guaranteed that it depends on your employer and how many hours you work#David said that bc it’s so standard for musicians / band to not have insurance as they often aren’t working full time
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me: hello friends I need recommendations for a health service but I don't have insurance
literally everyone: try this place idk how much it is without insurance but I love them :)
how much it is without insurance: hundreds of dollars
i... simply give up asking anyone who has insurance for help with medical recs. they never double check. then they start telling me different insurances to sign up for and it's almost always ones that have already rejected me or I have to wait months to sign up. ppl with insurance truly do not recognize their privilege and the money they aren't spending. it's actually really fucking hard to get insurance when you don't meet their very specific conditions of living.
#do not give me any advice unless you are a US american without insurance#if i have to sign up for something i can already guarantee i do not qualify#i just want my tooth out#i just want mental health help#i just want a day without ibuprofen
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no new geometries in my dream last night but it was instead a nightmare about failing to have prepared for my (actually real) trip to columbus tomorrow, failing to get a rental and having to plead my way out of my aunt's house with help from a friend during a snowstorm (?) and then after some really dramatic escapes i leave the friend behind like ok i can still be only like 30m late and then i got stuck in this tunnel that was like a subway tunnel with no trains and more dimly lit. i realized i had left my personal phone in my backpack which i'd left in my friend's car, and for some reason once in the Waiting Tunnel you could not leave. at the far end, it had a mailbox system and i opened doors of the little lockers hoping to find my bag; someone was pulling an entire baby out of one, to my dream-self's consternation. i never did catch my ride :(
#peter posts#i hate rentals i hope my company carries gap insurance because i guarantee#my personal policy will not cover the full value of whatever car i get stuck with. UGH#i woke up seriously thinking i'd overslept but . i dont leave until tomorrow
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