#renewable term insurance plan

[bearballing]

Florida Bill Would Require Mass Biological Sex Affidavits, Ending All Trans Legal Recognition

The bill, if passed, would end all trans legal recognition and would require all Floridians to sign "biological sex affidavits" when renewing their licenses.

In one of the most extreme bills of the last decade targeting transgender individuals, a new bill introduced on Thursday afternoon in Florida seeks to end all legal recognition of transgender people and mandates mass biological sex affidavits for both transgender and cisgender Floridians. These affidavits would be necessary at the DMV for license renewals, enabling the state to gather records of the biological sex of all individuals in Florida who apply for driver's licenses. The affidavits could allow the state to compile lists of transgender people with Florida driver's licenses. They could then be used to enforce other anti-trans laws in the state. Additionally, the bill would impact every law in Florida that references sex, effectively removing all legal recognition of transgender people in the state.

The description of the bill on the Florida Senate website:

HB 1233: Biological Sex GENERAL BILL by Black Biological Sex; Defines terms relating to sex of individual in context of construction of Florida Statutes; provides that certain birth certificate statement determines whether person is male or female & may serve as committeeman or committeewoman, respectively; revises provisions related to applications for disability ID cards, application requirements for driver licenses & ID cards to replace references to term "gender" with term "sex"; prohibits DHSMV from issuing original or replacement driver licenses or ID cards that contain specified information; requires individual health insurance policies, group health insurance policies, health benefit plans, & health maintenance contracts that provide coverage for sex-reassignment prescriptions or procedures must also provide coverage for treatment to detransition from such sex-reassignment prescriptions or procedures; defines term "sex" for purposes of Florida Civil Rights Act; revises provisions related to remedies for unlawful discrimination to include protection on basis of sex, rather than gender.

[Thursday 4th January 2024]

florida government is evil, water is wet. if passed, this would come into effect on 1st july 2024.

[didnt-hear-cold-as-you-live]

So just wondering basically whatever you can think would be good advice or insight or tips for someone wanting to move to Melbourne from the UK

Doesn't have to be limited to the likes below;

healthcare, prescriptions (I have a few chronic illnesses; nothing too serious, but I do need different medications etc), Visas, nominations, what sort of yearly wage/income would I need to be comfortable, taxes/insurance, bills, education (I don't have a family; but say I wanted to do a uni course, could ?); rent or buy, is a car needed, should I look into city living or suburb living, is it safe for a single female to move there & live on her own... and yeah just anything else you or anyone else can think of, l've never moved abroad before

Okay I can help with a lot of this!!! Great news re: health insurance, I know this from having a British housemate - your UK Medicare is 100% valid at any public doctors office in Australia! I’m not sure how this works with prescriptions because I don’t know how that works for you guys in general, but I know everything you have works just like if you were an Australian citizen and your Medicare transfers over (whatever that means). It’s, like, actually incredible.

I’m not sure how old you are, but a UK -> Australian working visa is literally one of the easiest work visas in the world to get as of July 2024! You literally can just go and work for up to 3 years if you’re under 35. The terms each last 1 year, and you can renew for 3 years and they do not have to be consecutive. Previously you had to do farm work to stay that long, but they’ve completely rescinded that for UK citizens. I would recommend just getting that and going to start off, and once you’re actively on the ground there I think a lot of possibilities will open up to you to get a sponsorship to stay permanently, if you want to. If after a year you don’t have any kind of leads for a path to sponsorship, that’s when I’d speak to an immigration lawyer and try and figure out a plan. But I think the possibilities are pretty open if you’re a UK citizen. You can also very much take uni there, but you won’t get any kind of financial aid outside of what’s available to you in your country. You can do that on a working holiday visa (WHV 417 is the one I’ve described), or there’s also a separate student visa you’re able to go on. I personally would do them separately, because you can apply for residency after 5 years. So if you’re a student for 2 years and then do your 3 year WHV, bam you can apply for PR. It buys you some more time if you can’t get a sponsor.

Suburb vs city is really down to personal preference, and same with car - I find amenities are incredibly close together in suburbs, and know heaps of people both in the city and suburbs who did not have cars and got around just fine. I had a car because I wanted one, but I don’t feel it’s 100% necessary, although imo it is if you’d like to go far outside the city and see all of beautiful regional Victoria, which to me is SO valuable. I wouldn’t want to live downtown in the city (called the CBD) with one because all parking is metered and v hard to find, so for that reason I chose to live in the suburbs. I thought it was a very easy process to buy a car, and I bought one on FB marketplace and just sold it when I left the country. Thought that all and getting the car registered was a very easy process, but the girl I sold it to was from the UK and called it a headache so I think selling cars is easier for you guys 😅

I’m from the US and it’s pretty unsafe there objectively so like, lol take this with a grain of salt, but Melb is the safest place I’ve ever been in my life. I could walk around at night and not really think anything of it, even at like 4am in the “nightlife” sort of area I worked in. I think there’s petty crime in areas like that like cars getting broken into and stuff, but yeah I’ve legit never felt safer in my life and I am a very tiny blonde girl who was always alone so!

A lot of aspects are VERY difficult (buckle up if you’d like to hear about my experience, happy to tell you about it) in that the startup tasks can be A Lot when you first arrive and you have to be prepared for anything and everything to go wrong - not that it will, but just in case. But I think Melb is the best place you could POSSIBLY move to and I think it is so so so SO worth it to give it a go, esp w how easy it is for UK residents!!!

There are TONS of specifics I’m happy to talk about that I didn’t want to put all in one ask such as the vibes of diff suburbs / pros and cons and how to choose, where to find housemates/ a place to live, what you need for taxes & to hold a job once you arrive, how to become a legal driver and car owner if you want to go the car route, etc. I’m more than happy to answer hyper specific things like this and you can feel free to DM me!

[bangkoklawyr]

Thai Retirement Visa

Thailand, with its captivating culture, stunning beaches, and affordable living, beckons retirees worldwide. If you dream of spending your golden years in the Land of Smiles, the Thailand Retirement Visa might be your perfect gateway. Let's explore the eligibility requirements, application process, and benefits of this visa option.

Who Qualifies for a Thai Retirement Visa?

The Thailand Retirement Visa is open to foreigners aged 50 and above who meet specific financial requirements. Here are the main criteria:

Age: You must be at least 50 years old at the time of application.

Financial Requirements: You can demonstrate financial stability through one of the following options:

Minimum Deposit: Maintain a fixed deposit of at least ฿800,000 (Thai Baht) in a Thai bank account for at least three months before applying.

Monthly Pension: Prove a monthly pension income of at least ฿65,000 (subject to change) through a verifiable source, such as a bank statement or pension certificate.

Combination: Maintain a deposit of at least ฿3,000,000 and show a yearly income of at least ฿1,200,000.

What are the Benefits of a Thai Retirement Visa?

The Thailand Retirement Visa offers a plethora of benefits for retirees, including:

Long-Term Stay: Unlike tourist visas, the Retirement Visa grants you a one-year stay in Thailand, with the possibility of annual renewals as long as you meet the financial requirements.

Multiple Entries: You can freely leave and re-enter Thailand during the validity period of your visa, making it ideal for exploring the country or visiting neighboring destinations.

Relocation Benefits: You can bring your spouse and dependent children under certain conditions, easing the transition to your new life in Thailand.

Lifestyle Advantage: Enjoy a lower cost of living compared to many Western countries, with access to excellent healthcare and a vibrant retiree community.

Understanding the Application Process

The application process for the Thailand Retirement Visa involves several steps:

Gather Required Documents: Prepare documents like your passport, proof of financial stability, medical certificate, and health insurance documentation.

Non-Immigrant Visa Application: Apply for a non-immigrant visa at your local Thai embassy or consulate in your home country.

Convert to Retirement Visa: Once you enter Thailand with the non-immigrant visa, you can convert it to a Retirement Visa at a Thai immigration office.

Important Considerations

Restrictions: Working for Thai companies or receiving local salaries is strictly prohibited under the Retirement Visa.

Reporting Requirements: You'll need to report your address to the immigration office every 90 days.

Renewal Process: Plan to renew your visa annually to maintain your residency status in Thailand.

Embark on Your Thai Retirement

With careful planning and the Thailand Retirement Visa, you can turn your dream of retiring in Thailand into a reality. This visa option offers a smooth path to enjoying the beauty, affordability, and relaxed lifestyle that Thailand has to offer. So, research thoroughly, consult with an immigration specialist if needed, and get ready to embrace your golden years in the Land of Smiles.

[runrunningrunner]

When you have to cut to the bone

When everything goes south and you have to cut your budget to nothing to survive, it's a shit show. There's no magic bullet. It's emotional. There are no big wins, instead it's a game of winning by paying attention to every possible penny saved. Here's the steps we took to survive and turn it around:

Record. Cut. Save. Cook. Sell. Earn.

Below the cut are three steps - Record, Cut, and Save ...

Step One - Record

Start up a Google Spreadsheet of all your bills and expenses. Look out for recurring expenses, especially anything annual. There's nothing worse than having a really tight budget and getting hit with an annual renewal fee at just the wrong time.

Now you have a detailed picture of where your money regularly goes.

Next create a tab for upcoming events and expenses that are out of the ordinary; the annual tax and tags bill for your car, your parent's birthday, any work dues or training costs. Now you can see the next bumps in the road.

Phase Two - The Cut

Cut subscriptions and memberships. We really didn't have many, but they all went out. Yes Amazon Prime "saved" us money on delivery shipping and movies and and and ... but that spending had to stop too, so Prime had to go.

Home phone/internet/cable/cell. We cut the cable and the old landline. There's a lot of free TV and movie content online so we still watch "TV" we just don't pay for it anymore. We used to have a landline in case of power outages/storms that would disconnect us. But where we are now, our home phone comes in digitally so we'd still lose the phone in a power cut. So we just use our mobiles now. And changing your bundle of services is a good time to shop for a cheaper set of services on what you do decide to keep.

Also, you can buy digital antenna ("rabbit ears") for less than $20 to get free local TV; typically this is the main national network TV stations and PBS and a few others. It will depend where you are in the country.

A lot of the rest of the cut was just going to zero spending on anything that wasn't groceries or gas. For me that meant no bought lunches, coffees, vending machine snacks etc. during the work day.

In the short term that may also mean that you cut out any donations that you regularly make to causes/your church. You're the person in need now. You cannot give from an empty wallet. When you're back in a good place, it'll be time for you to give again.

Phase Three - Save

Look for a cheaper cell phone plan - that you can use your existing phone with (because short term you're not spending any $ on new stuff like new phones). If your plan has unlimited talk and text, you can cut way down on the data per month. Use your home (and other) wi-fi for most of your data needs. We use Boost Mobile. Cricket is another low $ provider.

Shop to save with new car and home insurance - and bundle for discounts.

Utilities equal payment plans - as we're heading into summer, our electric bill goes up with A/C usage. Spring is a good time to switch to a monthly equal payment plan; in the short term you'll avoid your electric bill jumping over the summer. In the longer term, this isn't an actual savings, it just helps manage the money better.

If your natural gas bill (heating) typically goes down in the summer, enjoy those lower bills in the summer and wait until the fall and go to equal payment plan before your high heating cost months.

Use EVERY savings channel.

Your bank may have savings deals with various brands on debit or credit card usage percentage discounts. Bank of America's is called BankAmeriDeals, Wells Fargo's is Wells Fargo Deals, Chase has one too. Online Paypal has deals, and you can use sites like Rakuten. Get into the habit of planning purchases and seeing if you can find a deal before you even make the purchase.

Use the loyalty rewards for every grocery, pharmacy store, and gas purchase. We shop at Harris Teeter (owned by Kroger); in addition to their "VIC Card" savings on produce etc. shopping there earns me gas rewards so for at least one tank a month I get up to $1 off a gallon at BP. So that's ~$13 a month for just doing what I'd do normally.

I also use loyalty rewards for 2 other gas station chains to eek every free cent of gas I can, and I use the GasBuddy app to find the cheapest gas near me.

At the grocery store, it's time to get ruthless. I'm a sale/discount king. There are certain goods (toilet paper, dish washing liquid, food staples) that you'll always need, so even if you have some at home, walk down those aisles and buy more if it's on sale.

Don't stockpile loads and loads, because you still need your $ in the bank, but just get into a rhythm of buying sale only. For example, I know that the tea Mrs. RRR likes goes on discount about every two months. When it's on sale, if I buy only 1 box, then next month I'd have to buy at full price, so when it's on sale I get 2 boxes and then I never have to buy at full price... but I don't stockpile and get 4 boxes!

When you have to buy/refill prescriptions, compare your insurance plan's rx cost with the price on GoodRx - you may be able to get a coupon code for a cheaper price.

I'm sure there's more, but this is just what we had to do.

Next up I'll write about the last 3 steps.

[uboat53]

New laws coming into effect as of the New Year!

In Idaho and Louisiana, bans on gender affirming care for minors will come into effect. West Virginia also has a ban, but it allows access with parental consent and a medical diagnosis. Meanwhile, in Maryland, gender affirming care will be covered by Medicaid and Hawaii is requiring that new marriage certificates be issued on request to people who change their gender and is replacing "mother" and "father" with "birthing parent" and "non-birthing parent" in state law. In Colorado, buildings that are at least partly owned by government entities will be required to have at least one gender-neutral bathroom on any floor that has public restrooms.

Washington state will make new or renewing insurance plans will no longer be allowed to charge deductibles or copays for abortions. California will protect both abortion and gender affirming care from out-of-state litigation.

Indiana will make it easier for parents to challenge books in school libraries while Illinois will block state funding to public libraries that ban or restrict books.

In Illinois, police will no longer be able to pull over drivers because of something hanging from their rear-view mirrors (this is jokingly being referred to as the "fuzzy dice" law). Also, Illinois will be banning high-powered rifles and high-capacity magazines. It is also allowing victims of deepfake pornography to sue.

Minnesota has a new Red Flag law that will allow police to take guns away from people deemed to be an imminent threat. Colorado is banning ghost guns. Connecticut is requiring online dating operators to adopt policies to prevent harassment. North Carolina is requiring porn sites to confirm that users are 18 years old by using commercial databases and allows parents to sue if their kids access porn.

Twenty-two states will increase their minimum wage. If you live in AK, AZ, CA, CO, CT, DE, HI, IL, ME, ML, MI, MN, MO, MT, NE, NJ, NY, OH, RI, SD, VT, WA, or DC, minimum wage will be going up. In addition to these, NV and OR will increase the minimum wage in July and FL will see an increase at the end of September.

In federal news, as of the New Year, your employer may be able to make a matching contribution into your 401(k) retirement account when you make student loan payments.

Finally, the FAFSA is getting shorter and easier to fill out. This should mean a lot more low-income borrowers getting federal assistance.

Here's my sources which have more details on all of these if you're interested in checking them out:

[mariacallous]

Planning is underway for the G-7 summit that Italian Prime Minister Giorgia Meloni will host from June 13 to 15. As the 50th summit of the G-7, the club of the world’s leading democracies, there will be an impulse to celebrate.

Understandably so. The G-7—which includes Canada, France, Germany, Italy, Japan, the United Kingdom, the United States, and, since 1981, the EU—today represents 54 percent of world GDP and over 55 percent of global defense spending. For decades, G-7 members have gained additional weight on the world stage by coordinating their national economic power in pursuit of shared foreign-policy priorities, such as protecting democratic societies and open markets.

But the importance of the coming summit exceeds its status as a landmark anniversary. The G-7’s future—and the future of global democratic cohesion in general—is now at stake.

Recent disparaging remarks about NATO by presumptive Republican presidential nominee Donald Trump have led many to question the credibility of America’s commitment to its allies. Part of Trump’s frustration with NATO comes from other NATO members’ historically low defense spending compared to the United States. Why should Americans spend more on Europe’s defense than Europeans are willing to?

However, the G-7 might prove even more vulnerable to the vagaries of a second Trump term. For Trump, coordinating U.S. foreign policy with others is a pointless constraint on U.S. freedom of action—unless, that is, it provides a tangible net economic return to America.

Herein lies the problem. The United States currently runs a trade deficit in goods with all of its G-7 partners except the United Kingdom. In 2023, these deficits amounted to $337 billion, more than the U.S. deficit with China ($279 billion). Trade deficits in goods are a foreign-policy red flag to Trump. That is why he treated Angela Merkel’s Germany as a greater rival than Vladimir Putin’s Russia and torpedoed the 2018 summit communiqué after G-7 leaders tried to push back against U.S. protectionism.

G-7 leaders could cross their fingers and hope there is a second term for incumbent U.S. President Joe Biden. But this is currently, at best, a 50-50 proposition. Instead, they should use the next three months to put in place a policy agenda that could withstand the buffeting of a second Trump presidency while also serving as a platform for a second Biden term.

The G-7’s achievements in Biden’s first term have been impressive. Since Putin’s full-scale invasion of Ukraine in February 2022, the G-7 has implemented an unprecedented package of sanctions against Russia, ranging from freezing the roughly $300 billion of its central bank’s reserves held in their currencies to banning the provision of insurance to tankers carrying Russian oil if it’s sold above a cap of $60 per barrel. It can do this because over 93 percent of global reserves are held in G-7 currencies, and over 90 percent of the world’s oceangoing tonnage is covered by protection and indemnity insurance issued by companies based in the G-7.

Reflecting their common concerns over China’s rise and Beijing’s close alignment with Moscow, the G-7 has also engaged consistently over the past three years with close allies South Korea and Australia, in an effort to start “friendshoring” supply chains for the semiconductors and renewable energy inputs that will be central to their future economic growth.

All this important work could come to an end if a new Trump administration returned to punishing its closest allies for being free riders. But fixing G-7 members’ trade imbalances with the United States is impossible in the near term. That’s why the upcoming G-7 summit must prioritize preparing for the possible restoration of a hostile Trump presidency.

First, G-7 members need to send a clear signal to Moscow that their support for protecting the sovereignty of Ukraine has no time limit. The murderous conflict there is now shadowed by an intense contest to show which side can outlast the other politically and economically. With new U.S. support currently blocked in Congress, European countries plus the EU have already taken an important step to demonstrate their resolve, by committing a further 77 euros billion in future multiyear financial and military assistance to Kyiv, on top of the approximately 75 billion euros they have already allocated since the start of the war.

The summit should also decide how all G-7 members will start drawing on the profits earned from the frozen Russian reserves. The obstacle to date is that the bulk of these reserves are held by EU banks, and some governments and the European Central Bank are concerned that even the modest step of disbursing the earned interest (4.4 billion euros last year) lacks a firm legal foundation and could also undermine the euro’s credibility as a global reserve currency. Overcoming these reservations would underscore the G-7’s resolve; and a Trump presidency might think twice before reneging on an arrangement that would repay some of the U.S. costs of supporting Ukraine.

Second, G-7 members should invite South Korea and Australia formally into the group. If there is a second Biden term, their membership will strengthen the G-7’s collective resilience in high technology and renewable energy. If there is a second Trump presidency, these two democratic allies will be less isolated in the face of his mercantilist threats.

Third, G-7 members should allocate a first tranche of funding for the plan that the Biden administration, EU leaders, Saudi Arabia, the United Arab Emirates, and India announced last year to build a rail, energy, and data corridor from India through the Gulf and Israel to Europe. This belated but important project to compete with China’s Belt and Road Initiative will connect India’s and the Gulf states’ youthful, burgeoning economies with Europe’s wealthy but aging markets.

The war in Gaza has called the plan into question, but its benefits to Israel create an important additional incentive for a post-Netanyahu government to build a durable peace with the Palestinians. At the same time, it would support the Trump presidency’s main foreign-policy achievement: the 2020 Abraham Accords that normalized Israel’s relations with several Arab states.

The G-7 is an invaluable geo-economic coordinating body for what is shaping up to be a protracted new Cold War with China and Russia. Whether to cement the gains of the Biden presidency or lessen the global risks of a Trump presidency, the G-7’s 50th anniversary summit must live up to its billing.

[thezolblade]

Okay so about the proposal thing. If Jon and Martin were to get married, I kinda have the feeling that no matter what route they were in, Jon would stil be the biggest briezilla ever and would definitely make some poor wedding planner's life hell. Anyway how do you think a wedding/married life would work out for them?

Heh, I hadn't thought as far as this before these marriage asks, but once I started wondering, it was very much a matter of 'yep, he would'...

Jon would sure have some perfectionist ideas about the event. Depending on the timeline, it could play out as:

1. If they do the paperwork during the worm siege as a financial/medical safeguard, they'll plan to wait until they're out of danger to throw a party, and if it takes a while before they're in the clear, maybe make it a vow renewal.

2. If they marry in a relatively good patch, they'll both feel pretty hopeful and enthusiastic, even if they're still working out some issues. Jon would be hyped about finding an interesting venue, looking into renting an event space in a manor house or renovated castle with some colourful local history. He'd have an initial idea of a reasonable budget for an event, determined not to get taken in by businesses that charge higher prices for the same service if the client says it's for a wedding. Then everything he really wants would be more expensive than expected, when it all adds up, and he'd get into into arguments over the phone, maybe sometimes getting a discount, other times getting dropped as a customer and having to go elsewhere. Martin would try to help, then get a bit tired of Jon saying his input is welcome but shooting down most of what he actually says. Eventually he'd convince him that a wedding planner would be worth the fee, to get everything coordinated. After adjusting the budget, Jon still considers it a worthwhile use for a portion of his savings, which are made up of his parents' life insurance, minus what he spent while studying, topped up by what he's saved since starting work. As for the guest list, Jon would want to make it small but 'prestigious', and invite the other department heads, the rest of the Archives team (if they're still on speaking terms), and the university professor who gave him a reference (even though they haven't spoken in a few years). Some of those acquaintances show up even though they're a bit surprised to be invited, and some decline the invitation. At least one of them is up for arguing with Jon about the local folklore, helping him settle his nerves. Martin invites his Mum, and says he understands if she can't make it to the venue, what with her health, but it'd be good to have a phone call on the day, while bracing himself for disappointment. (Either she agrees out of obligation, they have an awkward phone conversation for a few minutes, and then Martin breaks down a bit in private about nothing ever being enough, while Jon tries to comfort him. Or she doesn't pick up the phone, and Martin halfheartedly tries to talk Jon out of calling the care home reception, until he gets through and blackmails the staff into putting her on the line, which results in an even more awkward conversation, and mixed feelings. ) Jon always felt that his closest surviving relatives were too distant to get in touch with, but he might dig out his grandmother's old address book and send out some invitations anyway, figuring that if he's ever going to contact them, this is the time. He barely remembers his grandmother putting him on the phone with them when he was a little kid, and doesn't expect to necessarily get a reply now. Some of them do respond, and even fly out to meet him, happy to see how he's doing now that he's all grown up. Spending time with living family again affects him more deeply than he'd have anticipated, and he resolves to keep in touch, now that he's truly getting his adult life established. Martin's glad to meet them too, though the day gets a bit overwhelming all in all.

3. In a dark route, if Jon takes over the institute and keeps Martin close until he's worn down, then he'll only propose once he knows that Martin's committed to working on their relationship as the only avenue for improving his life. Even if Martin's still unhappy about a lot of issues, he'll resign himself to trying to talk Jon into doing better someday, even knowing that he might go the rest of his life without changing Jon all that much. They still can't help but love each other, and he has nowhere else to go, so he might as well devote himself to that kind of hope, and try to enjoy the good days, even if he expects to be unhappy more often than not. Once he's said yes, they'd have a bit of a honeymoon phase, and Jon would try to encourage his loyalty by rewarding that kind of progress. He'd let Martin pick the venue, somewhere scenic in the countryside, and agree to make it a break from any work-related creepiness (no talking about fear entities, or ghosts, or anything like that). If it ended up raining, Jon would be pretty annoyed about the one thing he can't control, but Martin would assure him that it's okay, he doesn't mind the rain, honestly, he actually likes this kind of atmosphere. They'd stick to the marquee while their guests are around. Later on, they'd go for a walk after changing into casual clothes instead of suits, so they can get soaked and then retreat to their hotel room to peel off the clinging fabric. Martin gets shivery from the cold and nerves. Jon promises to warm him up.

[ramonkinsuranceagency]

Deductibles and Their Impact on Car Insurance in Bay City and Flint, Michigan

​When someone buys car insurance, their insurer will likely ask them to choose a deductible amount—the amount of money they must pay out of pocket before their coverage kicks in. Irrespective of the amount, deductibles can significantly impact car insurance in Bay City and Flint, Michigan premiums. One must be mindful of how much of a deductible one can afford, as deductibles that are too high may be a financial burden if an accident occurs. Here's how deductibles can impact car insurance premiums:   What is a deductible?   A deductible is an amount of money a person must pay out-of-pocket before their insurance company covers any expenses associated with a claim. Most policies won't cover the total amount of the claim if the deductible is not met, so if an insured person opts for a higher deductible, it could potentially result in lower premiums.   Usually, the insurer offers several choices for the deductible, ranging from a lower amount with a correspondingly higher premium to a higher amount with a corresponding lower premium. Depending on the policyholder's financial situation, they can choose the deductible that makes the most sense.   So, if someone backs into the building and damages their car, they can expect their insurance to cover the costs up to the amount of their deductible.     Choosing the Right Deductible:   Choosing the right deductible can help an individual save money on their insurance premiums while ensuring that they are sufficiently covered in an accident. It is essential to understand that the higher the deductible, the lower the insurance premium will be. There are a few different factors that should be taken into consideration when choosing the right deductible.   The individual's budget:   One of the most important factors to consider when choosing the right deductible is the individual's budget. It is crucial that the individual can afford to pay the deductible if an accident or incident does occur. Failing to do so can result in financial hardship and added stress, which must be avoided at all costs.   Their tolerance for risk:   It is vital to consider an individual's tolerance for risk when deciding on the best deductible for them. It is nothing but common sense that someone with a higher risk tolerance may opt for a higher deductible, as the potential for savings on their premiums can be substantial.   The amount of coverage they are seeking:   Customers must weigh the amount of coverage they seek against the risk they are willing to take. While considering the potential for higher premiums due to a lower deductible, one must consider the risk and decide if having a more comprehensive insurance plan is worth it.   The deductible can be modified during policy term renewals, allowing consumers to adjust the risk they are willing to take in exchange for potentially lower premiums. Consumers have to think about how much an unexpected medical emergency will cost and decide if a higher premium is worth getting more coverage. A combination of auto insurance and commercial insurance in Bay City and Flint, Michigan, can be beneficial for those looking to find the right balance of coverage and premium rates. It is often recommended that consumers shop around and compare the features of different policies to find the one that best meets their needs. 

[starryevening]

2023 resolutions & goals

lol i post these for myself so they’re easy to find and archive. took me a month to think of the big hits but here we go. 

Life & Living 

Better Manage Deadlines This is probably the biggest ongoing goal-but I want to see you improve your time management this year and generally hit more deadlines. It was really rough last year and we wanna try to improve.

Explore More You’re still struggling with social anxiety and reverting from some hermit like habits you gained over 2020. Try getting out there more, even a little.

Leave your apartment at least 4 days a week prioritize consistency even if it’s brief.

Try dedicating one day a month to go on some kind of ‘outing’ by yourself to get more comfortable with your own company (such as going to an art gallery, music show, movie etc).

Initiate Socialization More Try to be more proactive in in-person hang outs this year. Offer game nights or go out of your way to see more folks in person. Also don’t be afraid to initiate discord calls/hangouts-we did a little better last year but we can do more this year.

Add Good Habits to Your Free Time Now that you have a pretty regular schedule with work, try reintroducing things you used to love and set aside while too busy in college/post grad. Aim for at least one of the following;

Read a book on nights before work in office

Read at least 12 new books ( comic & novels )

Sing more often, even if it sounds bad

Settle into your Apartment   We’ll be moving this year to a more long term place, so take some real time to make it home as soon as you move in. Don’t wait half a year this time for the love of god-prioritize it asap. 

Health

Maintenance Medical Appointments I'm glad you’re finally set up with your new health insurance - now it’s time to actually use it. There are some regular maintenance things you haven’t done need to prioritize this year.

Go to a Dentist

Go to An Eye Doctor

Get a General Practice Doctor

Discuss Birth control, Discuss Pap Smear, Discuss Mammograms, Possibly Discuss Metal Ankle implant, Possibly that other thing.

Find a Reliable Physical Activity Post covid you've still had a lot of trouble with keeping active, especially given that you don’t live in a super walkable neighborhood. Try finding a physical activity of any kind that you can tolerate and do on a weekly basis. Some ideas are:

Walking in the park ( Photograph nature )

Yoga inside ( to podcasts etc. )

Renew YWCA and Swim again

Improve Hygiene Routines  I’d like to try to make some reasonable additions to your personal hygiene this year, you grubby backwoods creature. Some suggestions include:

Start a daily skincare routine

Wash your face daily

Look into better skin and hair care methods.

Continue Maintaining Mental Health

You’ve done a great job of managing your mental health in the past year-honestly I don’t have any improvements to suggest, just want to encourage you to keep up the pace.

Art & Profession

Create New Portfolio Work Generally an easy task, but Considering putting additional focus into some of the ideas on the below list

Create at least Three new Pieces

Experiment with color, & more dark / dramatic shading

Experiment with Mock Comic / Book Covers, Posters

Experiment with Prop or Background focused pieces

Experiment with weird comic paneling & composition

Experiment with Product Design ( Pins, Patches etc. )

Revise & Overhaul Your Portfolio This is going to be a pain in the ass but it’s long overdue. Move your site to a new host that’s less expensive and take some time to get feedback from peers to retune and refine your Portfolio site. Create a Commission Site / Carrd and Open them Again Add a small commission side-site as well and use that to set aside funds for fun events or bigger future projects. This is kind of gonna be your play money. Plan a Larger Scale Project Try planning out, in a tangible form a larger scale project. This could be a longer mini comic, creating some enamel pins or organizing a zine project. But I’d really like you to make headway on some of your many larger scale projects this year. 

[pot-black]

40 hourly wage US Federal job

Plus side:

three day weekends because four day work week,

government health insurance

government retirement plan after 40 years consecutive and/or non consecutive service

4 hours PTO and sick leave gained after every pay period at this level, moves to 6 hours after two years and 8 hours after 10

all federal holidays are days off, with holiday pay

Standard time and a half for OT, double time for holiday OT with standard holiday pay included too

job is 70% travel across the nation. hotel lodging and government car provided. two, three or four week missions, includes daily nontaxable per diem for living expenses, deposited regardless of whether funds are expended

I personally enjoy the work and take pride in it

unique job privilege

current pay at level is $24 per hour, and I am low on the totem pole, wages go up from there

job is expanding because of new federal grants and a retiring workforce

Cons

a four day work week that is 40hours is 10 hour days

Friday OT is mandatory on travel, 50 hour work week

OT in general is mandatory if asked. my department supervisors are kind and only ask if project is behind. neighboring department have no such qualms. thus no weekends on travel. they do 10 hour days every day till project is completed.

we do have a union, which will represent us regardless of membership, but we are not allowed to strike

Job is blue collar. that means majority of coworkers are represented of certain political leanings and biases that become evident in casual conversation. also majority is of a certain gender.

Job funding is controlled by Federal Congress ultimately. Money is provided on project by project basis. we don't work when congress cant pass a budget. news of a government shutdown is followed closely

70% of job is travel. difficult to make plans months in advance unless we plan to take official leave, because we don't know where we will be or how long we will be gone until at least a month before we depart. also makes renting a waste of money, because will be gone equivalent of 8 months of the year and we wont know when we wont be traveling. most old guys own a place and the young ones like me still live with parents

Job is headquartered in an expensive city. I have an hour commute, better than some. A few coworkers live 90 minutes to two hours away. no feasible public transit options. we have to be in the office at 6am.

Nature of the work we do has the potential to attract violence from both sides of the political aisle. coworkers have been threatened to be shot and have been vocally cursed and spit on, in two separate occasions.

employment is given in year terms that need to be renewed. I'm in a two year term, but looking to apply for a five or ten year term. permanent jobs are hard to come by

You know what time it is….

* Regardless of whether you like your actual workplace or specific current practice (e.g. if you hold a nursing degree, you work as a nurse even if it’s in an area of medicine or a clinic that you don’t like)

Survey questions adapted from survey issued by the U.S. Bureau of Labor Statistics.

[gintejainsurance]

Ginteja Health Insurance

[jpptech]

Exploring Medicare Supplement Insurance Plans

Medicare is a vital program for millions of Americans, providing essential healthcare coverage. However, many beneficiaries discover that Original Medicare (Part A and Part B) does not cover all their healthcare expenses. This is where Medicare Supplement Insurance Plans, also known as Medigap, come into play. These plans can help fill the gaps, making healthcare more affordable and manageable.

What Are Medicare Supplement Insurance Plans?

Medicare Supplement Insurance Plans are private insurance policies designed to cover out-of-pocket costs associated with Original Medicare. While Medicare Part A covers hospital stays and Part B covers outpatient services, there are still expenses like deductibles, copayments, and coinsurance that can add up. Medigap plans help cover these costs, providing financial relief to beneficiaries.

Key Benefits

Reduced Out-of-Pocket Costs: Medigap plans can help cover many of the expenses that Original Medicare does not, including deductibles and copayments, which can lead to significant savings.

Flexibility in Choosing Providers: With a Medigap plan, you can see any doctor or specialist who accepts Medicare, offering you the freedom to choose your healthcare providers.

Guaranteed Renewability: Once you enroll in a Medigap plan, your coverage is guaranteed to renew each year, as long as you continue to pay your premiums, providing peace of mind as you age.

Travel Coverage: Many Medigap plans offer coverage for emergency healthcare services while traveling outside the United States, which is beneficial for those who travel frequently.

Standardized Options: Medigap plans are standardized across insurance companies, meaning that the benefits for each plan type (A, B, C, D, F, G, K, L, M, N) are consistent. This makes it easier for you to compare plans and find one that suits your needs.

Choosing the Right Plan

When selecting a Medicare Supplement Insurance Plan, consider your healthcare needs and budget. Here are some important factors to evaluate:

Current and Future Healthcare Needs: If you anticipate needing more medical care or frequently visiting specialists, a plan with comprehensive coverage might be the best option for you.

Budget Considerations: Monthly premiums can vary significantly among different Medigap plans. Assess your budget to find a plan that balances affordability with the coverage you require.

Local Availability: In areas like Menifee, CA, the availability of Medigap plans may differ. It’s essential to research local providers and understand the options available to you.

Enrollment Tips

The best time to enroll in a Medicare Supplement Insurance Plan is during your Medicare Open Enrollment Period, which begins the month you turn 65 and are enrolled in Medicare Part B. During this time, you can purchase any Medigap plan without undergoing medical underwriting. If you miss this period, you may still apply but could face higher premiums or denial of coverage based on your health status.

Common Misunderstandings

There are several myths surrounding Medicare Supplement Insurance Plans that can lead to confusion:

Myth 1: Medigap Plans Cover All Costs: While Medigap plans help cover many out-of-pocket expenses, they do not cover everything, such as long-term care or dental and vision services.

Myth 2: You Can Have Both a Medigap and a Medicare Advantage Plan: It’s important to note that you cannot enroll in both types of plans simultaneously; you must choose one.

Myth 3: All Medigap Plans Are the Same: Although the benefits are standardized, premiums and additional services can vary by insurance company, so it’s wise to shop around.

Conclusion

Medicare Supplement Insurance Plans can be an invaluable resource for managing healthcare costs and ensuring you receive the care you need. By understanding the benefits and options available, you can make informed decisions that enhance your healthcare experience.

For residents in Menifee, CA, finding the right Medicare Supplement Insurance Plan is made easier with the support of HCAG Medicare Insurance Agency. Their knowledgeable team can assist you in navigating the various options to find a plan that best suits your needs.

To learn more about available plans and how they can benefit you, visit HCAG Medicare Supplement Insurance Plans.

For more information about Menifee, CA, and its community resources, check out Menifee, California. With the right information and guidance, you can take control of your healthcare journey and secure the coverage you deserve.

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[traderscircuit1234]

Mastering the Best Trading Strategies for Options and Stock Selection

In the fast-paced world of stock market trading, developing a solid strategy is essential for long-term success. Whether you're a seasoned trader or just starting, choosing the best trading strategy for options and identifying the best stocks to buy today are crucial components of a successful trading plan. This article will guide you through effective stock option trading strategies and the importance of choosing the right stocks to enhance your trading results.

Understanding the Best Trading Strategy for Options

Trading options offers flexibility and opportunities to maximize profits in both rising and falling markets. However, options can be complex and risky if not handled properly. To effectively trade options, you must first understand the various strategies available.

Some of the best trading strategies for options include:

Covered Call: This is one of the most common options strategies. It involves holding a stock and selling call options on that stock. The strategy generates extra income from the premium received from selling the options while limiting the upside potential of the stock.

Long Call Option: If you expect the price of a stock to increase, buying a call option gives you the right to buy the stock at a predetermined price. This strategy is ideal if you believe in the future potential of the underlying stock.

Protective Put: This strategy involves buying a put option while holding the underlying stock. It acts as a form of insurance, limiting your downside risk if the stock price falls significantly.

Iron Condor: An advanced strategy that involves selling both a put and call option at different strike prices while also buying further out-of-the-money options to reduce risk. The strategy works best when you expect minimal price movement in the underlying stock.

Each of these strategies can be tailored based on your market outlook and risk tolerance.

Selecting the Best Stocks to Buy Today

Selecting the best stocks to buy today requires a blend of market analysis, technical indicators, and fundamental research. Here’s how you can make more informed decisions when picking stocks:

Look for Strong Fundamentals: Companies with strong earnings, solid revenue growth, and a sustainable business model are ideal candidates for investment. Pay attention to key financial metrics such as earnings per share (EPS), price-to-earnings (P/E) ratio, and return on equity (ROE).

Follow Market Trends: Stay informed on market sectors and industries that are performing well. For example, technology stocks or renewable energy stocks may experience significant growth, making them attractive for investment.

Use Technical Analysis: Technical indicators such as moving averages, Relative Strength Index (RSI), and Bollinger Bands can provide insights into whether a stock is in an uptrend, downtrend, or range-bound. Analyzing price patterns and chart formations can help you time your entry and exit points.

Monitor News and Events: Stay updated on news that could impact stock prices, such as earnings reports, mergers and acquisitions, or new product launches. Events like these can influence stock prices significantly.

Stock Option Trading Strategies to Maximise Profits

Stock option trading strategies allow traders to capitalize on price movements without owning the underlying stock. Successful option traders often combine strategies to enhance their positions, reduce risk, and increase the potential for profit.

Some popular stock option trading strategies include:

Long Call: If you expect a significant price increase in a stock, buying a long call option provides you with the right to buy the stock at a lower price. It’s ideal for capturing large price movements without the need to commit the capital required to buy the stock outright.

Long Put: A long put option allows you to profit from a stock’s decline by giving you the right to sell the stock at a higher price. It’s a great strategy for bearish market conditions.

Straddle: A straddle involves buying both a call and a put option on the same stock with the same strike price and expiration date. This strategy is useful when you expect a large price move in either direction but are uncertain about the direction.

Vertical Spreads: A vertical spread involves buying and selling options of the same type (call or put) with different strike prices but the same expiration date. It’s a strategy that helps limit risk while providing potential rewards in a trending market.

Combining Stock Picks and Option Strategies for Success

While stock options trading strategies can be highly effective on their own, combining these strategies with the right stocks can boost your chances of success. By selecting the best stocks to buy today based on strong fundamentals, market trends, and technical analysis, you can identify stocks that are poised for price movements. Then, you can implement the appropriate options strategy to maximize your gains and limit risk.

For example, if you believe a stock is undervalued and has strong potential for growth, you may consider using a long call option to profit from the potential upside without committing a large amount of capital upfront.

Conclusion

Trading options and choosing the best stocks to buy today is a delicate balance of research, strategy, and timing. By understanding and implementing the right stock option trading strategies, you can effectively manage risk and enhance your chances of profitability. Remember to regularly monitor market conditions, use a combination of fundamental and technical analysis, and adapt your strategies as market trends evolve.

If you're serious about trading options or investing in the stock market, consider seeking the advice of a SEBI registered investment advisor to guide you in selecting the best trades. They can help tailor a strategy based on your financial goals and risk tolerance, providing you with a comprehensive plan for success.

[sandraps]

Investment Opportunity in UAE

It has long been acknowledged that the United Arab Emirates (UAE) is a major international center for investment and business. The UAE continues to draw in investors from all over the world because of its advantageous position, welcoming policies, and strong economy. The nation offers a wide range of prospects for both new and established firms, whether they be in the financial markets, real estate, or the quickly expanding tech sector. The UAE is a great place for foreign investments because of its government's initiatives, which include free trade zones, tax breaks, and simplified corporate processes.

Services: Investment opportunities in the UAE are vast and include various sectors:

Real Estate: The UAE’s real estate market, particularly in cities like Dubai and Abu Dhabi, continues to offer lucrative opportunities for commercial and residential investments.

Financial Services: With leading financial hubs, including Dubai International Financial Centre (DIFC), investors can explore banking, insurance, and wealth management services.

Technology and Innovation: The UAE government’s push for a digital economy has created investment opportunities in areas such as AI, fintech, and smart city technologies.

Renewable Energy: With a strong focus on sustainability, the UAE is investing heavily in solar, wind, and other renewable energy sources.

Tourism and Hospitality: With the country’s global appeal as a tourist destination, investment in hotels, resorts, and leisure services remains a strong sector.

The UAE presents a wealth of investment opportunities, backed by its strategic location, investor-friendly policies, and forward-looking economic plans. Whether in real estate, financial services, or new-age industries like technology and sustainability, the country’s future prospects remain bright. For investors looking to tap into a dynamic and diversified economy, the UAE continues to be an ideal choice for long-term success.

[study-abroad-delhi]

Your Pathway to Success: Essential Tips for Study in Australia

Australia is a vibrant destination for international students, offering world-class education, diverse cultural experiences, and a high quality of life. For Indian students, studying in Australia can be a transformative journey, opening doors to global career opportunities and personal growth. Here are some essential tips to help you navigate your study-abroad journey to Australia, ensuring a successful and enriching experience.

1. Choose the Right Course and University

Australia boasts some of the world’s leading universities, offering programs in a variety of fields such as business, engineering, healthcare, and the arts. Start by identifying your career goals and interests, then look for universities that offer strong programs in those areas. Universities like the University of Melbourne, Australian National University, and the University of Sydney are highly regarded globally. Remember, your choice of university should align with your long-term career plans, as this can impact future employment opportunities and pathways to permanent residency in Australia.

2. Understand the Visa Process

The Australian student visa (Subclass 500) is essential for studying in the country. To obtain this visa, you need a Confirmation of Enrolment (CoE) from your chosen institution, evidence of financial stability, English language proficiency, and a health insurance plan. The process can be complex, so staying organized and applying well in advance is key. Seek guidance from a trusted study-abroad consultancy, such as Grace International, a top study-in-Australia consultancy in Delhi, for expert advice on the visa process and other requirements.

3. Financial Planning and Scholarships

Studying abroad can be expensive, but financial planning can help ease the burden. Research scholarships offered by Australian universities or external organizations that cater to international students. Many Australian universities provide merit-based scholarships, need-based aid, and specific awards for Indian students. Grace International can assist you in finding the best financial options, including scholarship opportunities and budgeting tips, to make studying in Australia more affordable.

4. Be Prepared for Cultural Adjustment

Australia is known for its diverse and welcoming culture, but adjusting to a new environment can take time. Embrace the opportunity to learn about new cultural perspectives and make connections with both local and international students. Engaging in university clubs, societies, and events can help you make friends and adapt more smoothly. Remember that adapting to a new culture is a gradual process, and support services are available on most campuses to help you settle in.

5. Work While You Study

The Australian government allows international students to work up to 20 hours per week during term time and full-time during breaks. This can be a great way to gain experience, support yourself financially, and build valuable professional connections. Grace International can help you understand the work opportunities available, assist you in finding part-time roles, and provide insights on how to balance work with studies effectively.

6. Stay on Top of Health Insurance

Australia requires international students to have Overseas Student Health Cover (OSHC) for the duration of their stay. This insurance helps cover basic medical expenses, ensuring you are protected in case of illness or injury. Choose a comprehensive health insurance plan that suits your needs, and don’t forget to renew it as needed. Grace International offers assistance in selecting the best health insurance options, helping you understand the coverage details to make informed decisions.

7. Plan for Your Career Post-Graduation

Australia offers post-study work visas, such as the Temporary Graduate Visa (Subclass 485), which allow students to gain work experience after graduation. This can be an invaluable opportunity to apply what you’ve learned, establish connections in the Australian job market, and enhance your employability. Grace International provides career counseling services to help you explore post-study work options, guiding you on pathways to secure your future in Australia.

Why Choose Grace International?

Navigating the complexities of studying abroad can be challenging, and that’s where Grace International, a top study-in-Australia consultancy in Delhi, comes in. Grace International offers expert support every step of the way—from selecting universities and courses to visa assistance and post-arrival support. With personalized guidance, scholarship assistance, and insights into Australian culture, Grace International is dedicated to making your study-abroad journey seamless and successful.

Conclusion

Studying in Australia is an exciting and life-changing experience. By planning carefully, making informed choices, and leveraging the expertise of a trusted consultant like Grace International, you can maximize your chances of success. Remember, your study-abroad journey is not just about academics—it’s a pathway to personal growth, career development, and a brighter future.