#coverage term

[life-and-health-insurance]

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#TermInsurance #FinancialPlanning #SaveMoney #healthtips

[arcadianforests]

On one hand doing 3 people's worth of work is exhausting on the other hand I don't want my coworkers to come back from medical leave early and to get the time they need to rest

At least I'm so far in the 'exceeds expectations' category that I'm definitely getting a full bonus next year

[roseband]

every time i see “ohhh see this is how dems should govern... when repubs try to block popular policy....... ppl then protest and vote”

i want to start killing these brats

yes.... no one listened to disabled people having die-in protests at the capitol and senators offices every time our health care was threatened over the last twelve years, that’s what the main thing in obamacare is.........filling the insurance gap for people who aren’t disabled enough to qualify for ssdi/medicare, and are too gross and ill and expensive for insurance to cover (cause 12 pt sessions a month for three months straight isn’t profitable, why would anyone want to cover my injury prone ass without policy to make them)

young brats only have like a 12% population with preexisting conditions... when u get into older ages it gets to 50-60%......... it literally affected u the whole time u will eventually get sick, im sick of this fucking hubris from the “young and healthy” you will get sick, everyone gets sick, it doesn’t matter how much exercise you do, how healthy you eat, you will eventually have something happen

since the roe decision and now the student loan thing, i keep seeing more and more people waking up to how bad actual legislated oppression is vs. social oppression, and my guys, my dudes,,, i want to kill some of you....... the lack of empathy while people were trying to take my health care away, to take my equal rights away legally, the bOtH sIdEs crap, you fuckers were going to just let me die?????? 

people love to talk about ted cruz’s “green eggs and ham” but don’t seem to care (or even know) that that was to prevent me from getting health care when i became an adult and aged off my mom’s union plan. 

[tired-needs-sleep]

when in doubt of what pokemon you're going against fighting psychic ground

[maeamian]

If I agree that everyone who has never clicked an NYT link is cool and smart do you think they'll stop telling me about it on my post about not crossing a picket line?

[machidielontheway]

on a completely different subject, yes i'm absolutely procrastinating the post i'm talking about in my last ramblings, when i looked at myself in the elevator mirror earlier today it looked like i had flat/no boobs (i mean i have so little of them. but here in the reflection really flat flat) and i was in a cool hoodie where my hips weren't apparent and i thought ooooh i look COOL like that

i like my body fine, and in the end i never wore any of the binders i bought like... 13 years ago. fuck. (i still have them. who wants a free binder) because i did not vibe with them physically and it was a time of discovery and i was fine without them. and i do like when i have girl vibes aesthetically speaking. also i weirdly can't imagine changing my body for reasons unknown as of now.

BUT my idea of my ideal body is a average guy vibe with NO HIPS. like thin hips. and shoulders wider than the hips. sometimes i see young guys outside and i'm like i wish i looked like that because there's just a COOL vibe... alas i can't, bodily (also i'm too small for it too work like i imagine).

all of this to say i thought 'ah, there is still some things i can do aesthetically to be a little cool, at least to my taste'

[leqclerc]

are u from poland?

Yep 👍🏻😊 And honestly for the past few years I've been relying almost exclusively on our local Eleven Sports coverage for the races because I just find our comms generally less annoying and biased (for the most part) than the English Sky crew. Or the F1TV commentators.

[blazeball]

i've been playing so much pokemon violet btw. it is so fun to play when you did not have to spend 60 dollars on it yourself. my team is a lokix, pawniard, abomasnow, mudsdale, glimmora, and lucario :)

[imaginebalancedpokemon]

Hisuian Zoroark

I love this design for Zoroark. They took the edgy fox and made it extra as fuck. It also has a very unique typing. This is less a messing around with its balance as this Pokemon isn’t available in any competitive format, rather this is how I would compliment this Pokemon as a counterpart to my Zoroark Rework. I see this Zoroark as being a less controlled beast waiting to be unleashed or as a silent stalker compared to regular Zoroark’s more fun trickster attitude. So I want Hisuian Zoroark to be designed around slipping in and hitting hard. 

Import

First thing I want to bring up when importing this Pokemon to the main games is the problem of its signature move. The issue is that it has a 30% chance of inflicting Frostbite, which has freeze as its counterpart. A Pokemon with that high of a chance of freezing an opponent would be broken, but incorporating Frostbite into the main series games would also be a bag of worms. Not because the status effect is inherently broken, but because it would be introducing a special burn-like effect to the game, which fundamentally alters the benefits/drawbacks to a physical vs special attacker. The way I’d probably implement it without causing systemic overhauls to the way the game is structured is to increase the base power to 65, make it always drop the target’s Atk and SpA by 1, and double that if they have a status condition. This would move would be great for shutting down one Pokemon in specific around mid to late game. 

Stats

While I gave regular Zoroark extra bulk to allow it to stay in, I’d want to give Hisuian Zoroark extra ATK and SpA while being rather frail. In this case, I’d give it 55 DEF and SpD while raising its ATK to 135 and SpA to 130. It would retain its 110 SPD. The idea here is to make it so that H-Zoruark wants to either use its three immunities to predict a switch or it wants to set up a scenario where it can use its illusion to hide the incoming nuke. The stats here are meant to trade Zoroark’s versatility for raw power. 

Moves

I think Hisuian Zoroark should have extremely powerful STAB attacks as well as powerful coverage moves. Consider that it already would have access to moves like Hyper Voice and Facade, which are more powerful than Base Zoroark’s Dark Pulse and Throat Chop. So, like last time, here’s a list of moves I’d add to Hisuian Zoroark’s movepool. A more thorough explanation for some decisions can be found in the Zoroark post.

Double Edge and Poltergeist

Meant to give Zoroark strong STAB options

Since Ghost and Normal are both strong neutral coverage options, I’d distinguish physical and special Zoroark sets by the SpA sets having wider coverage while physical has better neutral attacks. Especially since there isn’t much in the way of normal or ghost special attacks with a higher base power than 90. 

Punishment

This is a more aggressive punishment for the target having stat boosts than I gave regular Zoroark, but I still want Hisuian Zoroark to be able to act as an offensive disrupter.

Triple Axel

Considering that Hisuian Zoroark already has a chilly theming, I think giving it a strong ice type physical attack wouldn’t be unreasonable. 

Triple Axel would be extremely valuable for physical sets due to ice moves being very good for coverage. Especially since most of the physical attacking moves I’m choosing to give it aren’t from types known for being super effective against a lot of common typings. So Triple Axel is a big maybe. It really depends on how valuable it is compared to the rest of the physical kit. 

Fake Out

A useful normal move, especially in double battles. And it’s STAB this time. 

Psycho Cut

I just think this one fits thematically. It also gives Hisuian Zoroark a way to clap back against Fighting types, which gives it a reason to make the switch in.

Darkest Lariat, False Surrender, or Crunch

These are all similar power dark type physical attacks and its weird that Zoroark doesn’t have them, especially Crunch.

Outrage

Dragon is another good neutral move. It would also compliment the idea of Zoroark offensively struggling against fairy types. This is also why I don’t want to give it physical poison or steel moves. Tho I don’t know how much that matters since Zoroark already has a poison special move and I think giving it Flash Canon wouldn’t be unreasonable.

Close Combat

The reason I didn’t want Close Combat on regular Zoroark was that I felt the move would be too offensive for the Pokemon I wanted to design. But it works for this version of Hisuian Zoroark because I want it to be offensively threatening while being defensively frail.

Explosion

It would be funny. Also a good dick move for the opposing Slowbro to just outspeed and explode on you.

It’s a good offensive tool and a good way for Zoroark to reset momentum if that gets out of its favor. 

Thunder, Fire Blast, Hydro Pump, and Blizzard

These are all strong coverage moves for SpA Zoroark that exchange power for accuracy. The main issues with these moves on Zoroark are that if they miss the KO they’re likely to reveal Zoroark either due to the opponent figuring the moveset is wrong or the opponent’s Pokemon getting in an attack.

It would be pretty funny tho. 

Moonblast 

Moonblast seems thematically appropriate. It also gives SpA Zoroark the ability to threaten Dragon and Dark Types. 

Glare

For spreading paralysis. It’s a funny ability and good for a utility focused Zoroark.

Defog

Same reasoning as regular Zoroark.

Destiny Bond

Same reasoning as regular Zoroark, but I feel like Hisuian Zoroark would be enough of a dick to pull that stunt.

Bounce

Idk I just think it’s funny. :)

Air Slash

More coverage moves for SpA Zoroark

Force Palm

Shadow Sneak

I want to give it a weak priority move. It’s already a fast Pokemon that relies on the idea of “kill before being found out” or “get in a favorable position before being discovered” so I don’t think giving it a ton of priority moves is a great idea, but I do like Shadow Sneak and Sucker Punch on it.

Sneaky Bitch gotta smack you.

Spirit Shackle

While I gave regular Zoroark mean look as its trapping move, I really like Spirit Shackle as a potential move for Hisuian Zoroark.

This move is balanced out by Hisuian Zoroark being very squishy and Spirit Shackle not affecting normal types. 

This move has the potential of being oppressive against fighting types that like to run choice items such as Galarian Zapdos. I’m sure the meta can evolve around this development tho.

It’s also important to note that this move + toxic could be quite powerful since Zoroark’s ghost typing makes it immune to Facade, and it can trap you with a damage over time move. Considering the pokemon’s frailty, this won’t let it become an unmanageable tank, but it’s still worth noting.

Ominous Wind and Hex

Admittedly Hex is more useful, but it deserves some ghost type special STAB moves.

Giving it conditional moves like Hex is interesting since those moves are balanced by them being both conditional and telegraphed, while Zoroark fucks with the telegraph. So there should probably be some testing before actually giving it Hex. It’s probably fine tho.

Flash Canon

Another way to hit fairy types on a special set. Since Sludge Bomb and Flash Canon aren’t particularly high base powers, it’s not like a physical Zoroark set can just slap them on to destroy fairy types. But their existences alone might be a problem. 

I mostly want to replace Sludge Bomb with Flash Canon rather than give it both since Zoroark really doesn’t need both.

Snatch

It’s funny but also kinda useless 

Howl

Another not very useful move but I could see it being okay in some scenarios and I don’t see a problem with giving this to Zoroark

Stealth Rocks

As a counterpart to regular Zoroark being given Spikes 

It also would enable this version of Zoroark to be used as a lead Pokemon, which is important to Zoroark’s versatility. That said, it could also be a bad idea since the point of this version of Hisuian Zoroark is that it sacrifices its ability to act as a support in favor of raw power.

However, making it an anti-lead could be interesting. Especially since it’s currently built as a late game cleaner, running it like this could be a good way to throw the opponent off. But at the same time, giving it Stealth Rocks might give Zoroark too much versatility for its stats and coverage.

One thing I don’t want to give Zoroark is a grass move. The reason for that is it would give Zoroark too much power over Water/Ground types like Gastrodon. I don’t want this Pokemon to potentially bully Happy Slug out of the meta. I’m also iffy about giving Zoroark fairy coverage on its special sets because I don’t know how much that would translate to its physical sets or how much the threat of it running a special or hybrid set would interfere with the idea of physical Zoroark being countered by bulky Fairy types. Honestly, the best option would probably just be to remove Flash Canon and Sludge Bomb given my intentions. The fairy weakness is mostly meant to keep this Pokemon in check. 

Signature Stuff

Same signature item and move as regular Zoroark. For the sake of not forcing anyone to read two things. This includes a signature item and move. The item gives it a x1.3 damage boost while illusion is up while the move is a base 75 dark type special attack that does double damage if illusion is up but it removes the illusion. I don’t think either of these additions get in the way with what Hisuian Zoroark is supposed to be. Both of this stuff is definitely stronger for special Zoroark than physical due to special Zoroark being more about coverage while I imagine physical Zoroark probably would prefer to run a choice item. 

Conclusion

Probably the biggest issue with this Pokemon is that I overtuned it. It has a lot of coverage moves and a flexible position in the game which is backed up by overwhelming power. It’s basically too easy to slot on too many teams and is most likely more effective at its job than intended. Especially since common revenge kill moves don’t work on it due to its typing. First things I’d probably mess with are its coverage options. I think the physical set is relatively balanced since it has high damage but there are drawbacks and counterplay. The special attacks I gave it are what risks tipping it over. Probably swapping out moves like Fire Blast in favor of just Flamethrower would be more balanced since the lower power attacks available would make the player have to chose between power and coverage. Either way, I want this Pokemon to be extremely punishing in exchange for it requiring the player to get into the opponent’s head to best exploit. The other thing I’d potentially do to nerf it is to replace Stealth Rocks with Magic Coat, which would make getting up hazards on a lead Zoroark require running a prediction or using Copycat. I think part of the question includes how much damage is within the realm of reasonability for this Pokemon since the gambit’s probably going to be up the moment it attacks, even if illusion is still active. Also, while this is less versatile than what I gave regular Zoroark, it still more versatile than the average Pokemon by a decent margin, which could be a problem. But yeah, I want this Pokemon to feel like a beast waiting for the right moment to be unleashed, which is why its damage is so high. 

[scroll-of-thought]

Egg Readings only $3

I'm offering egg cleaning readings! I kept getting so many requests (literally dozens a year for the past few years) that I've spent some time actually learning how to read eggs, so I can offer it as a service! And I figure charging $3 for my time is probably better than turning away a ton of people repeatedly.

So what is an egg reading?

Egg cleansing is a pretty common type of curse removal. In summery, you rub a fresh egg over the victim and focus on forcing all the negativity into the egg. It absorbs the curse/hex/negative energy and you can discard the egg, and with it the bad junk.

If you would like an egg reading, click on this link and you'll be taken to my kofi. Go to where it says "Egg Reading" click "Request This". There you'll see instructions to preform an egg cleansing and send me the picture, and I'll analyses that picture and tell you what I can figure out. It's as easy as that! Alternatively, I just turned on Tips, so you can pay me through that! If you've got Stripe, it should let you use it.

Hopefully this can help out some people who keep asking me, and it can help me pay for some bills or food.

[healthinsurancediva]

Group Health Insurance in St. Augustine

Comprehensive Group Health Insurance for St. Augustine Businesses

Importance of Group Health Insurance

For businesses in St. Augustine, providing comprehensive group health insurance is more than a legal obligation—it's a commitment to the well-being of your employees. Group health insurance plans offer a collective approach to healthcare, ensuring that employees have access to necessary medical services without bearing the full financial burden. This type of insurance fosters a sense of security and loyalty among employees, enhancing overall job satisfaction and productivity.

Benefits of Group Insurance

Group health insurance plans come with several advantages. They are typically more affordable per person than individual plans because the risk is spread across the entire group. This results in lower premiums and better coverage options. Additionally, offering group health insurance can be a significant factor in attracting and retaining top talent. Employees are more likely to stay with a company that cares for their health needs. Businesses also benefit from tax incentives when they provide health insurance, further reducing the financial impact.

[skulls-and-wishbones]

summer is weird because I’m wearing shorts and shaving my legs and all of a sudden I remember I have a huge fucking scar on my knee from when I was little

[life-and-health-insurance]

Is ONE Life Insurance Policy Enough? Term Life Explained!

Thinking term life insurance is a one-size-fits-all solution?

Think again! This video explores whether a single-term plan is sufficient for your needs, and dives into key things to consider like increasing coverage and loans. We'll also show you how to potentially SAVE on premiums with a smart strategy! Hit that subscribe button for more insurance tips and tricks!

[kanggroupservices]

Understanding the Benefits of Permanent Whole Life Insurance and Supplemental Insurance Policies in Dallas

Are you considering securing your financial future in Dallas? One crucial aspect to explore is insurance coverage. While many types of insurance exist, two significant options to consider are permanent whole life insurance policy and supplemental insurance policies. Understanding the benefits of these policies, particularly in the context of Dallas, can help you make informed decisions about your financial well-being.

Permanent Whole Life Insurance: A Lifelong Security Blanket

Permanent whole life insurance offers lifelong coverage and comes with a cash value component that grows over time. Here's why it's worth considering:

Lifetime Coverage: Unlike term life insurance, which covers you for a specific period, permanent whole life insurance provides coverage for your entire life. This ensures that your loved ones receive financial support regardless of when you pass away.

Cash Value Growth: A portion of your premium payments goes into a cash value account, which accumulates over time on a tax-deferred basis. In Dallas, where the cost of living continues to rise, having a cash value component can provide a valuable financial cushion for unexpected expenses or retirement.

Tax Advantages: The cash value growth in a permanent whole life insurance policy accumulates tax-deferred. Additionally, the death benefit is typically tax-free for beneficiaries. These tax advantages can be particularly beneficial for residents of Dallas seeking to maximize their wealth accumulation and leave a legacy for their loved ones.

Flexible Payment Options: Permanent whole life insurance policies often offer flexible payment options, allowing policyholders to adjust their premiums based on their financial circumstances. This flexibility can be especially advantageous in a dynamic city like Dallas, where income levels and expenses may fluctuate over time.

Estate Planning Tool: In Dallas, where estate planning is essential for wealth preservation, permanent whole life insurance can serve as a valuable tool. The death benefit can help cover estate taxes, ensuring that your assets are passed on to your heirs intact.

Supplemental Insurance Policies: Enhancing Your Coverage

In addition to permanent whole life insurance, Dallas residents can benefit from supplemental insurance policies tailored to their specific needs. These policies provide additional coverage beyond what traditional health or life insurance offers. Here are some examples:

Critical Illness Insurance: Dallas, like many major cities, faces healthcare challenges, including the risk of critical illnesses such as cancer, heart disease, or stroke. Critical illness insurance provides a lump-sum payment if you are diagnosed with a covered condition, helping you cover medical expenses and other financial obligations during a challenging time.

Disability Insurance: A sudden disability can have devastating financial consequences, especially in a city as fast-paced as Dallas. Disability insurance replaces a portion of your income if you are unable to work due to injury or illness, ensuring that you can meet your financial obligations and maintain your standard of living.

Long-Term Care Insurance: With the rising cost of long-term care services, such as nursing homes or in-home care, long-term care insurance can provide financial protection and peace of mind. This type of policy covers expenses associated with extended care needs, allowing you to preserve your assets and maintain control over your healthcare decisions.

Accidental Death and Dismemberment Insurance: Dallas residents may face higher risks of accidents due to factors such as heavy traffic or outdoor recreational activities. Accidental death and dismemberment insurance provides a benefit if you die or suffer a serious injury as a result of an accident, providing additional financial support to your loved ones during a difficult time.

In conclusion, permanent whole life insurance and supplemental insurance policy in Dallas can play a crucial role in safeguarding your financial future in Dallas. Whether you're looking for lifelong protection, tax advantages, or additional coverage for specific risks, these insurance options offer valuable benefits that can provide peace of mind for you and your loved ones. Consult with a trusted insurance advisor, such as Kang Group Services, to explore your options and customize a policy that meets your unique needs and goals.

[getlyfe]

Whole life insurance for children has several notable advantages.

Locked-in low premiums: Premiums are based on the child's age when the policy is purchased, so the rates are guaranteed for life. Guaranteed insurability: The child will be able to maintain coverage regardless of any future health issues that may arise. Cash value growth: The policy builds cash value over time that can be accessed later for things like education expenses or a down payment on a home. Lifelong protection: As long as premiums are paid, the coverage remains in effect for the child's entire life.

[bright-and-burning]

f1tv making some . choices . bc they did Not get across what was going on w george imo