#maximum benefits

[thatrandombystander]

What the FUCK this was SO fucked up.

Hey Vash you've heard that your enemies have located your home and you're terrified that they've been hurt so you go and check on them, gun drawn as the door opens, expecting to see the worst.

But look! They're all ok! Thank god! They welcome you with joy and love and open arms! You're so relieved! You're so so happy to see they're fine!

And then it all goes wrong! They're all fake facsimiles of the people you love! Puppets so identical to the people you love that I can only assume they were carved from their corpses. They were dead before you ever opened the door!

You go from blissful joy and relief to absolute crushing anguish all because of some SICK FUCK purposefully decided to mess with you!

What the FUCK this is awful I'm going to go scream into a pillow to process before I read the next chapter.

[seonghwacore]

be real honest. which member of your favorite group whose personality is actually similar to you? are they your bias or not?

[concord-and-cliches]

sure yeah it's very angsty having one's body forcibly aged but also possibly very slapstick [id in alt!]

[lemongogo]

[grand-line-shenanigans]

Hhiiii did I mention ever how much I love Zazie

[bahadurislam011444]

Unveiling the Best SEO Worker in Bangladesh: Driving Digital Success

[essektheylyss]

[Ruin by The Amazing Devil playing softly in the background]

showed up to this d&d game to deal AOE psychic damage to every member of the party and then mySELF

[thedreamparadox]

So basically NiGHTS is watering themself down so they dont scare Helen and Will?

A little bit! Tbh they do that for most of the Dreamers they run into given that they're a Nightmaren to start with. Will and Helen get a bit more of NiGHTS' actual personality than the average Dreamer because of the whole helping them beat up Wizeman (and helping them deal with some of their siblings) thing, but they're also like. Twelve. And not all twelve year olds are quite able to process the kind of stuff NiGHTS went through without potentially winding up with a little trauma.

Elliot and Claris are basically the only humans around currently that get the full "I am a nightmare monster and that is okay but can we pause this conversation for like two seconds I'm hungry and the Nightopians around here taste like smores" experience.

(In hindsight, NiGHTS more or less lightly customer services at people. You'd think with as long as I've worked in retail I'd have realized I was doing that by this point lol)

[boyenthusiast]

god in micro econ we're learning stuff from the perspective of producers/sellers and we never really cover how things affect consumers. like for example how price ceilings are mostly bad and how, since prices for necessary items are inelastic (demand doesn't change that much when prices change), sellers can increase prices and revenue will only rise. like ong i can't wait for my business ethics class next semester this is Disheartening

[archaeren]

How I learned to write smarter, not harder

(aka, how to write when you're hella ADHD lol)

A reader commented on my current long fic asking how I write so well. I replied with an essay of my honestly pretty non-standard writing advice (that they probably didn't actually want lol) Now I'm gonna share it with you guys and hopefully there's a few of you out there who will benefit from my past mistakes and find some useful advice in here. XD Since I started doing this stuff, which are all pretty easy changes to absorb into your process if you want to try them, I now almost never get writer's block.

The text of the original reply is indented, and I've added some additional commentary to expand upon and clarify some of the concepts.

As for writing well, I usually attribute it to the fact that I spent roughly four years in my late teens/early 20s writing text roleplay with a friend for hours every single day. Aside from the constant practice that provided, having a live audience immediately reacting to everything I wrote made me think a lot about how to make as many sentences as possible have maximum impact so that I could get that kind of fun reaction. (Which is another reason why comments like yours are so valuable to fanfic writers! <3) The other factors that have improved my writing are thus: 1. Writing nonlinearly. I used to write a whole story in order, from the first sentence onward. If there was a part I was excited to write, I slogged through everything to get there, thinking that it would be my reward once I finished everything that led up to that. It never worked. XD It was miserable. By the time I got to the part I wanted to write, I had beaten the scene to death in my head imagining all the ways I could write it, and it a) no longer interested me and b) could not live up to my expectations because I couldn't remember all my ideas I'd had for writing it. The scene came out mediocre and so did everything leading up to it. Since then, I learned through working on VN writing (I co-own a game studio and we have some visual novels that I write for) that I don't have to write linearly. If I'm inspired to write a scene, I just write it immediately. It usually comes out pretty good even in a first draft! But then I also have it for if I get more ideas for that scene later, and I can just edit them in. The scenes come out MUCH stronger because of this. And you know what else I discovered? Those scenes I slogged through before weren't scenes I had no inspiration for, I just didn't have any inspiration for them in that moment! I can't tell you how many times there was a scene I had no interest in writing, and then a week later I'd get struck by the perfect inspiration for it! Those are scenes I would have done a very mediocre job on, and now they can be some of the most powerful scenes because I gave them time to marinate. Inspiration isn't always linear, so writing doesn't have to be either!

Some people are the type that joyfully write linearly. I have a friend like this--she picks up the characters and just continues playing out the next scene. Her story progresses through the entire day-by-day lives of the characters; it never timeskips more than a few hours. She started writing and posting just eight months ago, she's about an eighth of the way through her planned fic timeline, and the content she has so far posted to AO3 for it is already 450,000 words long. But most of us are normal humans. We're not, for the most part, wired to create linearly. We consume linearly, we experience linearly, so we assume we must also create linearly. But actually, a lot of us really suffer from trying to force ourselves to create this way, and we might not even realize it. If you're the kind of person who thinks you need to carrot-on-a-stick yourself into writing by saving the fun part for when you finally write everything that happens before it: Stop. You're probably not a linear writer. You're making yourself suffer for no reason and your writing is probably suffering for it. At least give nonlinear writing a try before you assume you can't write if you're not baiting or forcing yourself into it!! Remember: Writing is fun. You do this because it's fun, because it's your hobby. If you're miserable 80% of the time you're doing it, you're probably doing it wrong!

2. Rereading my own work. I used to hate reading my own work. I wouldn't even edit it usually. I would write it and slap it online and try not to look at it again. XD Writing nonlinearly forced me to start rereading because I needed to make sure scenes connected together naturally and it also made it easier to get into the headspace of the story to keep writing and fill in the blanks and get new inspiration. Doing this built the editing process into my writing process--I would read a scene to get back in the headspace, dislike what I had written, and just clean it up on the fly. I still never ever sit down to 'edit' my work. I just reread it to prep for writing and it ends up editing itself. Many many scenes in this fic I have read probably a dozen times or more! (And now, I can actually reread my own work for enjoyment!) Another thing I found from doing this that it became easy to see patterns and themes in my work and strengthen them. Foreshadowing became easy. Setting up for jokes or plot points became easy. I didn't have to plan out my story in advance or write an outline, because the scenes themselves because a sort of living outline on their own. (Yes, despite all the foreshadowing and recurring thematic elements and secret hidden meanings sprinkled throughout this story, it actually never had an outline or a plan for any of that. It's all a natural byproduct of writing nonlinearly and rereading.)

Unpopular writing opinion time: You don't need to make a detailed outline.

Some people thrive on having an outline and planning out every detail before they sit down to write. But I know for a lot of us, we don't know how to write an outline or how to use it once we've written it. The idea of making one is daunting, and the advice that it's the only way to write or beat writer's block is demoralizing. So let me explain how I approach "outlining" which isn't really outlining at all.

I write in a Notion table, where every scene is a separate table entry and the scene is written in the page inside that entry. I do this because it makes writing nonlinearly VASTLY more intuitive and straightforward than writing in a single document. (If you're familiar with Notion, this probably makes perfect sense to you. If you're not, imagine something a little like a more contained Google Sheets, but every row has a title cell that opens into a unique Google Doc when you click on it. And it's not as slow and clunky as the Google suite lol) (Edit from the future: I answered an ask with more explanation on how I use Notion for non-linear writing here.) When I sit down to begin a new fic idea, I make a quick entry in the table for every scene I already know I'll want or need, with the entries titled with a couple words or a sentence that describes what will be in that scene so I'll remember it later. Basically, it's the most absolute bare-bones skeleton of what I vaguely know will probably happen in the story.

Then I start writing, wherever I want in the list. As I write, ideas for new scenes and new connections and themes will emerge over time, and I'll just slot them in between the original entries wherever they naturally fit, rearranging as necessary, so that I won't forget about them later when I'm ready to write them. As an example, my current long fic started with a list of roughly 35 scenes that I knew I wanted or needed, for a fic that will probably be around 100k words (which I didn't know at the time haha). As of this writing, it has expanded to 129 scenes. And since I write them directly in the page entries for the table, the fic is actually its own outline, without any additional effort on my part. As I said in the comment reply--a living outline!

This also made it easier to let go of the notion that I had to write something exactly right the first time. (People always say you should do this, but how many of us do? It's harder than it sounds! I didn't want to commit to editing later! I didn't want to reread my work! XD) I know I'm going to edit it naturally anyway, so I can feel okay giving myself permission to just write it approximately right and I can fix it later. And what I found from that was that sometimes what I believed was kind of meh when I wrote it was actually totally fine when I read it later! Sometimes the internal critic is actually wrong. 3. Marinating in the headspace of the story. For the first two months I worked on [fic], I did not consume any media other than [fandom the fic is in]. I didn't watch, read, or play anything else. Not even mobile games. (And there wasn't really much fan content for [fandom] to consume either. Still isn't, really. XD) This basically forced me to treat writing my story as my only source of entertainment, and kept me from getting distracted or inspired to write other ideas and abandon this one.

As an aside, I don't think this is a necessary step for writing, but if you really want to be productive in a short burst, I do highly recommend going on a media consumption hiatus. Not forever, obviously! Consuming media is a valuable tool for new inspiration, and reading other's work (both good and bad, as long as you think critically to identify the differences!) is an invaluable resource for improving your writing.

When I write, I usually lay down, close my eyes, and play the scene I'm interested in writing in my head. I even take a ten-minute nap now and then during this process. (I find being in a state of partial drowsiness, but not outright sleepiness, makes writing easier and better. Sleep helps the brain process and make connections!) Then I roll over to the laptop next to me and type up whatever I felt like worked for the scene. This may mean I write half a sentence at a time between intervals of closed-eye-time XD

People always say if you're stuck, you need to outline.

What they actually mean by that (whether they realize it or not) is that if you're stuck, you need to brainstorm. You need to marinate. You don't need to plan what you're doing, you just need to give yourself time to think about it!

What's another framing for brainstorming for your fic? Fantasizing about it! Planning is work, but fantasizing isn't.

You're already fantasizing about it, right? That's why you're writing it. Just direct that effort toward the scenes you're trying to write next! Close your eyes, lay back, and fantasize what the characters do and how they react.

And then quickly note down your inspirations so you don't forget, haha.

And if a scene is so boring to you that even fantasizing about it sucks--it's probably a bad scene.

If it's boring to write, it's going to be boring to read. Ask yourself why you wanted that scene. Is it even necessary? Can you cut it? Can you replace it with a different scene that serves the same purpose but approaches the problem from a different angle? If you can't remove the troublesome scene, what can you change about it that would make it interesting or exciting for you to write?

And I can't write sitting up to save my damn life. It's like my brain just stops working if I have to sit in a chair and stare at a computer screen. I need to be able to lie down, even if I don't use it! Talking walks and swinging in a hammock are also fantastic places to get scene ideas worked out, because the rhythmic motion also helps our brain process. It's just a little harder to work on a laptop in those scenarios. XD

In conclusion: Writing nonlinearly is an amazing tool for kicking writer's block to the curb. There's almost always some scene you'll want to write. If there isn't, you need to re-read or marinate.

Or you need to use the bathroom, eat something, or sleep. XD Seriously, if you're that stuck, assess your current physical condition. You might just be unable to focus because you're uncomfortable and you haven't realized it yet.

Anyway! I hope that was helpful, or at least interesting! XD Sorry again for the text wall. (I think this is the longest comment reply I've ever written!)

And same to you guys on tumblr--I hope this was helpful or at least interesting. XD Reblogs appreciated if so! (Maybe it'll help someone else!)

[nationallawreview]

IRS Announces 2025 Retirement Plan Limits

The Internal Revenue Service (“IRS”) has announced the following dollar limits applicable to tax-qualified plans for 2025: The limit on the maximum amount of elective contributions that a person may make to a 401(k) plan, a 403(b) tax-sheltered annuity, or a 457(b) eligible deferred compensation plan increased from $23,000 to $23,500. The limit on “catch-up contributions” to a 401(k) plan, a…

[informative-blogger123]

Discovering the Best Final Expense Leads for Your Senior Benefits Business

In the ever-evolving landscape of senior benefits, finding the best final expense leads can be a game changer for your business. As the population ages, the demand for final expense insurance is on the rise, creating a wealth of opportunities for those in the industry. If you're looking to tap into this market, understanding how to attract and convert leads for final expense insurance is essential. This article dives deep into the strategies and insights you need to effectively connect with potential clients, enhance your offerings, and ultimately drive success in your senior benefits company.

What Are Final Expense Leads?

Final expense leads refer to potential clients who are interested in purchasing insurance policies that cover the costs associated with funerals and other end-of-life expenses. These leads typically stem from individuals or families looking for financial security and peace of mind regarding future expenses. As a senior benefits company, your goal is to connect with these individuals and provide them with tailored insurance solutions that meet their needs.

Why Are Final Expense Leads Important?

As we age, the inevitability of life’s final chapter becomes a reality for many. The financial burden of end-of-life expenses can be overwhelming, making final expense insurance a critical consideration for seniors. By focusing on leads for final expense, you not only create a steady stream of potential clients but also fulfill a vital need in the community.

Understanding Your Target Market

To effectively market final expense insurance, you need to have a clear understanding of your target audience. Most often, this audience comprises seniors aged 50 and above who are concerned about their financial legacy. They are typically looking for affordable, accessible insurance options that provide adequate coverage for their needs.

Characteristics of Your Target Audience

When identifying your target audience, consider the following characteristics:

Age: Most leads will be seniors, usually between 50 and 80 years old.

Financial Situation: Many seniors are on fixed incomes and are looking for affordable solutions.

Family Dynamics: Some may have children or dependents they wish to protect from financial burdens after their passing.

Strategies for Generating the Best Final Expense Leads

Generating quality leads requires a multifaceted approach. Below are some effective strategies to attract potential clients.

Invest in Digital Marketing

In today’s digital world, having a strong online presence is crucial. Use targeted online advertising to reach seniors searching for insurance solutions. Platforms like Facebook and Google Ads allow you to create tailored ads that directly address the needs of your audience.

Search Engine Optimization (SEO)

Make sure your website is optimized for search engines. This means using keywords relevant to final expense insurance, such as “maximum benefit insurance” or “senior benefits insurance.” When potential clients search for these terms, your website should appear at the top of the search results.

Utilize Social Media

Social media platforms can be powerful tools for reaching potential clients. Share informative content about final expense insurance, benefits, and tips for seniors. Engaging posts can foster connections and encourage shares, expanding your reach to a broader audience.

Networking and Referrals

Building relationships with other professionals in the senior care space, such as financial advisors and elder law attorneys, can provide valuable referral opportunities. Offer them a mutually beneficial partnership where you can refer clients to each other.

Host Educational Workshops

Consider hosting workshops or webinars that educate seniors about final expense insurance and its benefits. These events can help establish you as a trusted expert in the field, allowing you to connect directly with potential leads.

Crafting an Effective Lead Generation Strategy

Once you have the tools in place to generate leads, it's crucial to have an effective strategy for converting them into clients.

Personalize Your Approach

When contacting leads, take the time to personalize your communications. Reference their specific needs and concerns, and explain how your services can meet them. This personal touch can significantly improve your chances of closing a sale.

Follow Up Consistently

After initial contact, follow up consistently without being overly pushy. Many leads require multiple interactions before they feel comfortable making a decision. Use various channels—phone calls, emails, and even handwritten notes—to stay in touch.

Educate Your Leads

Provide valuable information throughout the sales process. Share articles, guides, or videos that explain final expense insurance in detail. The more informed your leads are, the more likely they are to make a decision in your favor.

Offer Free Consultations

Consider offering free consultations to discuss the individual needs of your leads. This provides an opportunity for you to assess their situation and recommend suitable insurance options, further building trust and rapport.

Maximizing Benefit with the Right Insurance Products

The goal of your senior benefits company is not only to generate leads but also to provide maximum benefits to your clients. Offering a range of insurance products can help meet diverse needs.

Types of Final Expense Insurance

Understanding the different types of final expense insurance can help you guide your clients toward the right policy.

Whole Life Insurance

Whole life insurance provides coverage for the insured's entire life, with a cash value component. This option can be appealing for clients looking for long-term security.

Term Life Insurance

Term life insurance offers coverage for a specified period, usually at a lower premium. This can be an attractive option for clients seeking affordability.

Tailored Insurance Solutions

Every client is unique, and their insurance needs will vary. Offering tailored solutions can set you apart from competitors. Work with your clients to understand their specific financial situations and provide customized recommendations that best fit their needs.

Building Trust in the Senior Benefits Market

Trust is a crucial element when dealing with seniors and their families. As a provider of final expense insurance, it's vital to build and maintain that trust.

Provide Transparency

Be open and transparent about your products, fees, and the claims process. This honesty will help establish credibility and reassure potential clients that they are making informed decisions.

Share Success Stories

Sharing testimonials or case studies from satisfied clients can be a powerful way to build trust. These real-life examples show potential clients that you have successfully helped others in similar situations.

Staying Current with Industry Trends

The insurance industry is constantly evolving. To remain competitive, it's essential to stay informed about the latest trends and regulations affecting final expense insurance.

Continuous Education

Invest in continuous education for yourself and your team. Attend industry conferences, webinars, and training sessions to keep your knowledge up to date. This expertise will empower you to better serve your clients.

Adapt to Changes

The needs of seniors and the insurance landscape are always changing. Be prepared to adapt your offerings and strategies to meet new demands and expectations.

Conclusion

In conclusion, navigating the world of final expense insurance can be challenging but immensely rewarding. By focusing on generating the best final expense leads and understanding the unique needs of your target audience, you can position your senior benefits company for success. With the right strategies in place and a commitment to providing exceptional service, you’ll not only meet the demands of the market but also make a meaningful difference in the lives of your clients.

FAQs

What are final expense leads?

Final expense leads are potential clients interested in purchasing insurance policies that cover end-of-life costs, such as funerals and other related expenses.

Why is it important to focus on final expense insurance?

Final expense insurance addresses the financial burdens associated with end-of-life expenses, providing peace of mind for seniors and their families.

How can I generate more final expense leads?

You can generate more final expense leads by investing in digital marketing, utilizing social media, networking with professionals, and hosting educational workshops.

What types of final expense insurance are available?

The two primary types of final expense insurance are whole life insurance and term life insurance, each with its own benefits and considerations.

How can I build trust with potential clients in the senior benefits market?

Building trust involves being transparent about your offerings, providing excellent customer service, and sharing testimonials from satisfied clients.

[neturbizenterprises]

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[ikebanaka]

I know many of you won't listen to me, but I need to say it anyways: there is no perfect third solution to the trolley problem. We can keep putting pressure on various people in power, and work on promoting candidates that actually espouse values and policies we agree with, and take direct action against violations of our civil rights, and volunteer at community projects like soup kitchens, and do any number of things to actually create positive change.

But instead of promoting any of that, in an election year where organizing and solidarity are the name of the game, all of you are peddling despair and disenfranchisement.

Despite voter disenfranchisement, voting is still one of the most widely accessible forms of power and change we have in this country. People who can't afford to be politically active in other ways, for reasons ranging from physical disability to financial insecurity and a million things in between, still have the power to vote.

Stop discouraging people from voting for the candidates who are provably less fascist.

Obviously democrats aren't even close to collectively representing leftist values; I'm not arguing that the democratic party isn't also party to human and civil rights violations. But if you don't put forth third party candidates that stand a chance of winning, all that telling people democrats are fascists achieves is demoralizing people who could be the difference between a covertly fascist country with a chance of change in the future, and a straight up dictatorship. Because time and time again, it's been proven that left wing candidates typically only lose when left wing voters just don't vote, and win by narrower margins than anyone should feel comfortable with. That margin could and should be wider.

Despair is the tool of your oppressors. Don't just hand it to them.

Sending in nazi stormtroopers to terrorize torture & imprison anti-genocide teenagers has bi-partisan support nationwide, slandering every protestor as a genocidal brainless nazi stooge of iran has bipartisan support nationwide, filling mass graves with executed families & doctors has bipartisan support nationwide, vote blue to stop fascism!

[hotghnews]

How to Donate a Car for Maximum Tax Credit Benefits

How to Donate a Car for Maximum Tax Credit Benefits How to Donate a Car for Maximum Tax Credit Benefits Donating a car can be a win-win situation for both charitable organizations and donors. When individuals choose to donate a car, they not only support worthy causes but also potentially gain significant tax benefits. This generous act can help veterans, provide resources for those in need, or…

[sleepingtime123]

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