#insurance us

[gaines-group]

Protecting Your Company with Business Insurance in Hoosick Falls

Running a business in Hoosick Falls comes with unique opportunities and challenges. One essential component for long-term success and security is having the right business insurance in place. Business insurance protects your assets, employees, and operations from unexpected risks, allowing you to focus on growth and peace of mind.

Why Business Insurance in Hoosick Falls is Essential

From local retailers to service providers, every business faces potential risks like property damage, liability claims, and employee injuries. Having comprehensive business insurance in Hoosick Falls helps protect against these uncertainties, providing security to business owners and stability to the local economy.

With tailored coverage options, you can safeguard your business against potential losses and liabilities. Gaines Group offers a range of business insurance solutions designed specifically for the diverse needs of Hoosick Falls businesses, whether you operate a small family-owned shop or a larger enterprise.

Customized Insurance Plans for Hoosick Falls Businesses

Each business is unique, which is why Gaines Group provides customized plans that cover everything from general liability and property damage to workers' compensation. Their team of experts works closely with you to identify your business's specific needs and tailor coverage accordingly. This personalized approach ensures that your business insurance policy aligns with your industry requirements and financial goals.

To learn more about available business insurance options, visit Gaines Group’s Business Insurance page for detailed information and personalized guidance.

Contact Gaines Group for Business Insurance in Hoosick Falls

If you’re a business owner in Hoosick Falls looking to secure your operations, Gaines Group is here to help. With extensive experience in business insurance, they can assist you in choosing the right coverage. For a consultation, call Gaines Group at (518) 244-8000 or visit their local office in Hoosick Falls to discuss your specific needs and create a policy that works for you.

[honeypleasejustkillme]

i thought i was at my lowest but holy shit it gets lower

[indigo6f00ff]

need to share an experience i had 30 minutes ago

(edit: thanks to @walks-the-ages for providing and reminding me to put alt text, sorry it slips my mind alot lol)

[animentality]

[wilwheaton]

Q: Why hasn't the SAG-AFTRA strike been resolved?

A:

[captainlordauditor]

The thing about MCU Bucky is that he was an unmarried 26 year old man living with another man in a culture where it was the norm to marry at 18. Bucky spent a decade continuously choosing Steve over a normative life. He was only stopped from continuing to live this way because he was drafted into WW2.

Like. That's kind of gay even if Bucky was heterosexual

[whothecrappadoodlecares]

Let’s be real, in the next few days/months, AO3 could be like “hey, due to the unexpected costs of maintaining and updating our servers after the attack, we would need about 10K please. We would accept any penny you can bear to part with, but don’t force yourself!”

and then get 500K, a house, a brand new server, and a kidney in about the time necessary to read a 1.5k word long oneshot.

[lookingforcactus]

A big cost and concern for many seniors in the U.S. is the price of prescription drugs and other healthcare expenses—and this year, thanks to The Inflation Reduction Act, their costs may go down dramatically, especially for patients fighting cancer or heart disease.

I learned about the new benefits because my ‘Medicare birthday’ is coming up in a couple months when I turn 65. I was shocked that there were so many positive changes being made, which I never heard about on the news.

Thousands of Americans on Medicare have been paying more than $14,000 a year for blood cancer drugs, more than $10,000 a year for ovarian cancer drugs, and more than $9,000 a year for breast cancer drugs, for instance.

That all changed beginning in 2023, after the Biden administration capped out-of-pocket prescriptions at $3,500—no matter what drugs were needed. And this year, in 2024, the cap for all Medicare out-of-pocket prescriptions went down to a maximum of $2,000.

“The American people won, and Big Pharma lost,” said President Biden in September 2022, after the legislation passed. “It’s going to be a godsend to many families.”

Another crucial medical necessity, the shingles vaccine, which many seniors skip because of the cost, is now free. Shingles is a painful rash with blisters, that can be followed by chronic pain, and other complications, for which there is no cure

In 2022, more than 2 million seniors paid between $100 and $200 for that vaccine, but starting last year, Medicare prescription drug plans dropped the cost for shots down to zero.

Another victory for consumers over Big Pharma affects anyone of any age who struggles with diabetes. The cost of life-saving insulin was capped at $35 a month [for people on Medicare].

Medicare is also lowering the costs of the premium for Part B—which covers outpatient visits to your doctors. 15 million Americans will save an average of $800 per year on health insurance costs, according to the US Department of Health and Human Services.

Last year, for the first time in history, Medicare began using the leverage power of its large patient pool to negotiate fair prices for drugs. Medicare is no longer accepting whatever drug prices that pharmaceutical companies demand.

Negotiations began on ten of the most widely used and expensive drugs.

Among the ten drugs selected for Medicare drug price negotiation were Eliquis, used by 3.7 million Americans and Jardiance and Xarelto, each used by over a million people. The ten drugs account for the highest total spending in Medicare Part D prescription plans...

How are all these cost-savings being paid for?

The government is able to pay for these benefits by making sure the biggest corporations in America are paying their fair share of federal taxes.

In 2020, for instance, dozens of American companies on the Fortune 500 list who made $40 billion in profit paid zero in federal taxes.

Starting in 2023, U.S. corporations are required to pay a minimum corporate tax of 15 percent. The Inflation Reduction Act created the CAMT, which imposed the 15% minimum tax on the adjusted financial statement income of any corporation with average income that exceeds $1 billion.

For years, Americans have decried the rising costs of health care—but in the last three years, there are plenty of positive developments.

-via Good News Network, February 25, 2024

[batboyblog]

Things the Biden-Harris Administration Did This Week #33

Sep 6-13 2024

President Biden marked the 30th anniversary of the passage of the Violence Against Women Act and highlighted efforts to stop gender based violence. the VAWA was written by then Senator Biden and he often talks about it as his proudest legislative victory. The act transformed how the federal government dealt with domestic violence, sexual assault, and stalking. In part because of the connection to Joe Biden, President Trump and the Republicans allowed the VAWA to expire in 2019. President Biden passed a new reauthorization, with new protections for women against cyber crime, in 2022. On the VAWA's 30th anniversary President Biden announced $690 million in grants to support survivors of gender-based violence.

President Biden and Vice-President Harris announced a new rule to force insurance companies to treat mental health care the same as medical care. The new rule takes on the use by insurance of restrictive practices like prior authorization, and out of network charges, it also closes a loophole in the law that allowed state and local government health insurance not to cover mental health.

The Biden-Harris administration announced that 50 million Americans, 1 in every 7, have gotten health insurance through Obamacare's marketplaces. Under Biden a record breaking 20.8 million enrolled this year. Since the ACA was passed by President Obama and then Vice-President Biden it has transformed American health care bring affordable coverage to millions and getting rid of "preexisting conditions". During the Presidential debate Vice-President Harris defended the ACA and the need to keep building on it. Trump after 9 years of calling for its repeal said he only had "concepts of a plan" on what to do about health care in America.

The IRS announced that it has recovered $1.3 billion in back taxes from wealthy tax dodgers. For years Republicans have tried to underfund the IRS hindering its ability to police high income tax payers. President Biden in his Inflation Reduction Act ensured that the IRS would have the money it needs to chase high income tax cheats. In February 2024 the IRS launched a program to go after over 100,000 people, making $400,000 or even over $1 million a year who have not filed taxes since 2017. The IRS also launched a program to collect from tax payers who make over $1 million a year who have uncontested debt of over $250,000. Between these two efforts the IRS has collected over a Billion Dollars in back taxes from the richest Americans, so far this year.

The Department of The Interior and White House Climate Advisor Ali Zaidi highlighted green energy efforts on public land. Highlighting two projects planned in Nevada officials talked about the 41 renewable energy projects approved on public land under the Biden-Harris Administration. These projects over 25 gigawatts of clean energy, a goal the Administration's climate plan set for the end of 2025 but met early this year. With the new projects in Nevada this is enough energy to power 12.5 million homes, and the Bureau of Land Management is another 55 utility-scale project proposals across the West.

The Department of The Interior announced $236 million to help fight forest fires and restore landscapes damaged by recent wildfires. Under President Biden's Bipartisan Infrastructure Law, the Administration has spent nearly $1.1 billion dollars to combat deadly wildfires which have over the last 10 years grown in size and intensity thanks to climate change.

The Department of The Interior announced $157 million in wetland conservation. The money is focused on protecting bird habitats. It will protect and preserve thousands of acres of wetlands across 7 states.

The US Senate approved President Biden's nominations of Adam Abelson, Jeannette Vargas, Mary Kay Lanthier, and Laura Provinzino to federal judgeships in Maryland, New York, Vermont, and Minnesota respectively. This brings the total number of federal judges appointed by President Biden to 209. When Biden entered office 318 district judges were Republican appointees and 317 Democratic, today 368 are Democratic appointments and just 267 are Republican. President Biden is the first President in history to have the majority of his appointments not be white men and he has appointed more black women to the bench than any President ever.

[realstrap]

Help a black disabled lesbian stock up on medication!

‼️urgent needs to be met within 24-48 hours ‼️

Hey yall, my gf is losing their health insurance on the 30th and we really need help ensuring that they'll have medication for a while after that happens bc it will be significantly more expensive out of pocket!

Right now $125 will cover it, we really need this by since the notice of loss of insurance was dropped on us so suddenly, anything helps!!

Needed by the end of the day today (12/24/2023)

CA: $lezsalt or $sleepyhen

VM: wildwotko

dm for p@y pal

[gaines-group]

Why Whole Life Insurance in Hoosick Falls is a Smart Choice for Long-Term Security

Whole life insurance offers a reliable way to secure your family’s financial future, especially for residents of Hoosick Falls. This type of insurance policy not only provides lifelong coverage but also builds cash value over time, making it a beneficial option for those seeking stability and growth.

Benefits of Whole Life Insurance in Hoosick Falls

For families and individuals in Hoosick Falls, whole life insurance is an excellent option for building a lasting financial foundation. Unlike term insurance, whole life insurance provides coverage that doesn’t expire, along with a guaranteed cash value component. This cash value grows over time and can even be borrowed against in times of need, providing added financial flexibility.

At Gaines Group’s Life Insurance page, you’ll find detailed information on various policies, including whole life insurance, to help you make informed choices. The dedicated team at Gaines Group is here to explain the intricacies of whole life insurance and how it can benefit you and your family in the long run.

Why Choose Whole Life Insurance?

Whole life insurance offers multiple advantages, from fixed premiums to potential dividend payouts. In a community like Hoosick Falls, having a dependable life insurance plan that grows over time can be especially valuable for long-term planning. Whether you want to provide for your loved ones, leave a legacy, or ensure a source of cash value, whole life insurance can be a wise investment.

Gaines Group specializes in tailoring policies that match the unique needs of Hoosick Falls residents. By understanding the local lifestyle and financial goals, Gaines Group offers guidance and support to help you select the best whole life insurance policy. To explore more, visit their Whole Life Insurance and connect with an expert who can provide personalized advice.

Contact Gaines Group for Whole Life Insurance in Hoosick Falls

To discuss how whole life insurance can be part of your financial strategy, reach out to Gaines Group’s knowledgeable team. They’re available to guide you through your options and answer any questions. You can call Gaines Group at (518) 244-8000

[poorly-drawn-mdzs]

Siffrin plays Disco Elysium AU: Featuring backseat gamer Loop.

[kouhaiofcolor]

I created a GFM for a dental emergency. 🦷🚨

I have a bit of a predicament, guys. Spanning the past two years — and I cannot take it anymore.

I never ask for help like this, but this is getting more serious than I can handle anymore on my own. If you have the time to check this out, **even if all you can do is share this post to get it around on Tumblr, I'd appreciate that. Please and thank you!

[politijohn]

Source

[dontmean2bepoliticalbut]

HOW CHRISTIANITY SUPPORTS MULTIRACIAL, MULTICULTURAL DEMOCRACY

'The Bible doesn't mention abortion or gay marriage, but it goes on and on about forgiving debt, liberating the poor, and healing the sick' — This pastor perfectly explained how the values expressed in Christianity can support a multiracial, multicultural democracy instead of right-wing extremism (via jamestalarico on TikTok)

#christianity #religion #democracy

[mapsontheweb]

Weathering the Cost: How Hurricanes and Tornadoes Drive U.S. Home Insurance Premiums

by ColeWRS