#group health insurance agent

[snappbenefits]

Reasons To Contact a Health Insurance Agent in Fort Pierce and West Palm Beach, FL

It is customary to go to the best person when hoping to buy a product or service. The prospect of buying insurance is not any different, either. Most people turn to large carriers who have offices across the country. It may be beneficial to contact a local health insurance agent in Fort Pierce and West Palm Beach, FL, instead. The agent is sure to be well-versed in the challenges of the specific area and would advise the client accordingly. ​ Sure, there is always a possibility of a local agency winding up, but an agent who represents multiple top-notch insurance companies will be focused on the client and provide the best service possible. Some of the other gains that a prospective health insurance buyer may hope for by connecting with an experienced insurance agent are:-

· In-Depth Assistance- A CEO or business owner may request group insurance and several employee benefits to ensure smooth business operations and the workforce's happiness. The agent would discuss the pros and cons of adding specific group insurance plans or revising them according to the necessity. The agent may be able to walk a small business owner through the pluses of providing group dental and vision plans and health insurance coverage.

· Customized Support- The agent is sure to devote both time and energy to the customer to hear out the problem and answer the inquiries related to health insurance. The best agents would be able to prepare customized plans according to the necessity. The employers are pleased to find the perfect group insurance plans at cost-effective rates. The coverage requirements are considered at length, and the latest healthcare laws are being pondered upon. Finding the best-suited insurance policies becomes a breeze courtesy of the agent regardless of whether the customer is a business owner or an individual.

· Market Knowledge- The agent will be knowledgeable about all insurance matters. It is essential to understand that health insurance regulations keep evolving, with the law being revised frequently. The health insurance agent will remain updated about the present laws and will make every effort to inform the customer about the specifics and details of the health care insurance plans. The following are sure to be discussed carefully, and new plans formulated to ensure the convenience of the policy buyer:

l Deductibles l Prescription Drug-Benefits l Maternity Benefits l The Risks vs. Benefits of Short-Term Plans l Network Coverage Options Other details may be discussed until the customer understands and approves the customized plan.

While business owners are eager to offer employee benefits to their advantage, it always makes sense for them to consult a hugely experienced group health insurance broker in Fort Pierce and Vero Beach, FL, to find the best policies. The legal jargon can be sampled and explained in simple language to ensure the customer remains informed about the associated benefits. Such assistance can perfectly assess the cost to the company.

[tushar-hirani]

Why You Should Consider a POSP Agent for Your Insurance Needs

When it comes to securing your future with the right insurance policy, the process can at times seem overwhelming. The multitude of plans, terms, and conditions can make it difficult to decide which policy best suits your needs. This is where you can depend on a POSP agent as they can provide you the guidance you require. A Point of Sales Person (POSP) insurance agent is specifically trained to help you understand the complexities of insurance policies, ensuring you make an informed decision.

This article will discuss why you should consider a POSP advisor for your health insurance needs and where you can get a reliable agent. 

What is a POSP Insurance Agent?

A POSP agent is a certified insurance representative who has undergone specific training to sell various types of insurance products directly to their customers. Unlike traditional agents who might specialise in one type of insurance, agents are trained to offer a wide range of policies, including health, life, motor, and general insurance. Due to this versatility, they are able to provide comprehensive advice and solutions tailored to your unique requirements.

Why Consider a POSP Insurance Advisor for Health Insurance?

Seeking help from POSP counsellors when it comes to your health plans can turn out to be highly beneficial because:

Understanding Health Insurance Needs

Health insurance can be particularly complex, with numerous plans and coverage options. An agent takes the time to understand your unique needs and financial situation to help you find a policy that offers the best coverage for you and your family. They provide personalised recommendations based on your health history, family size, and financial situation.

Tailored Recommendations

A POSP counsellor can provide tailored health insurance recommendations, considering factors such as pre-existing conditions, preferred hospitals, and specific medical needs.

Simplified Process

The insurance buying process can be tiring, involving a lot of paperwork and legal jargon. These agents simplify this process by handling all the administrative tasks for you. They make sure that all forms are correctly filled out and submitted, saving you time and effort.

Assistance with Claims

Filing for health insurance claims can be just as daunting as applying for insurance. Health Insurance agentsf assist in this process, ensuring that you submit the necessary documents correctly and promptly, thereby facilitating a smoother claim experience.

Post-Sale Support

One of the key advantages of working with a policy agent is the ongoing support they offer even after you have purchased a policy. Whether you need to make a claim, update your policy, or have any questions, your insurance agent is there to assist you.

How to Choose the Right POSP Insurance Agent?

If you’re convinced that an agent can help with your insurance needs and are seeking the right insurance agent for your needs, follow these steps:

Check Credentials

Ensure the POSP agent you’re considering is certified and licensed. This certification guarantees that the agent has undergone the necessary training and adheres to industry standards.

Experience and Reputation

Look for a post of sales agent with a proven track record as experienced agents are likely to have a better understanding of the market and can offer more insightful advice. Moreover, seek reviews or testimonials from previous clients to understand the agent’s reliability and professionalism.

Range of Products Offered

A good insurance agent should be able to offer a wide range of products from various insurers. This variety ensures that you have more options to choose from, increasing the likelihood of finding the perfect policy.

Transparency

Transparency is very important when you’re dealing with health insurance. Your POSP agent should be upfront about the terms and conditions of the policies they recommend, including any fees or commissions.

Customer Service

Consider the level of customer service provided by the health plan agent. When you ask questions or voice issues, they should be readily available. The sign of a trustworthy POSP insurance advisor is providing excellent customer service.

Advantages of Choosing Niva Bupa Insurance Agent

Niva Bupa is known for its comprehensive health insurance plans or group insurance plan and excellent customer service. Here’s why you should consider working with a Niva Bupa insurance agent:

Comprehensive Range of Products

Niva Bupa agents have access to a wide range of health insurance plans (family, group, critical illnesses, etc) that cater to different needs and budgets. This extensive portfolio allows them to offer customised solutions that cater to your specific requirements, ensuring you get the best possible coverage.

Unbiased and Transparent Advice

Their agents work independently, which means they prioritise your best interests. They provide unbiased and transparent advice, ensuring you receive honest recommendations without any hidden agendas.

Simplified Insurance Process

Niva Bupa agents simplify the insurance process by handling all the paperwork and administrative tasks. They guide you through the entire process, from policy selection to application submission, making it a hassle-free experience.

Seamless Claims Process

Niva Bupa agents can help you through a hassle-free claims process, making it easier for you to access the benefits when needed.

Wrapping Up

POSP agents can be an invaluable resource when navigating the complex world of insurance. Their expertise, range of products, and personalised service make them well-suited to help you find the best policy for your needs. Whether you are a first-time insurance buyer or an existing policyholder, an agent can simplify the process and help you make informed decisions.

If you’re considering a health insurance agent who can help with your insurance needs, look no further than Niva Bupa. Their comprehensive plans and excellent customer service make them a top choice for both clients and agents alike. Their agents will understand your needs and ensure a hassle-free insurance process from the start till the end. Connect with them today to get tailored recommendations and professional support for your health insurance needs.

[charlesnewman12]

Group Health Insurance Broker Agent Westchester

Charles Newman is a Westchester County, New York, group health insurance agent. He provides businesses with comprehensive insurance solutions tailored to their specific needs. With years of experience in the insurance industry, Charles Newman is well-equipped to help companies to navigate the complex world of health insurance.

Group health insurance is an essential part of any business's benefits package. It provides employees with access to quality healthcare services at an affordable price. However, choosing the right group health insurance plan can be challenging. Business owners must consider many factors, including the number of employees, their ages, and their healthcare needs.

This is where Charles Newman comes in. He works with business owners to understand their unique needs and helps them choose a group health insurance plan that is both affordable and comprehensive. Charles Newman's services include:

Plan Analysis and Design

Charles Newman analyzes a company's existing health insurance plan and provides recommendations on how to improve it. He works with business owners to design a plan that fits their specific needs, considering factors such as the company's size, the age of its employees, and its healthcare budget.

Employee Education

Charles Newman educates employees on the company's health insurance plan benefits. He helps employees understand their coverage and how to use it effectively.

Compliance

Charles Newman helps businesses comply with the complex regulations surrounding health insurance. He ensures that companies meet all federal and state requirements, including those related to the Affordable Care Act.

Enrollment and Renewals

Charles Newman assists businesses with enrollment and ensures all employees are enrolled in the health insurance plan. He also helps businesses renew their health insurance plan each year, ensuring they continue receiving the best coverage at an affordable price.

Claims and Billing Support

Charles Newman provides support for claims and billing issues. He works with insurance providers to resolve problems and ensures that businesses receive the coverage they are entitled to.

Conclusion

Group health insurance is an essential part of any business's benefits package. Choosing the right plan can be challenging, but with the help of Charles Newman, business owners can find an affordable and comprehensive program. With his extensive knowledge and experience in the insurance industry, Charles Newman is the go-to group health insurance agent in Westchester County. Contact him today to learn how he can help your business find the perfect health insurance plan.

[jkmedicare]

Smart Medicare plans in San Francisco

Are you looking for smart Medicare plans in San Francisco? It can sometimes be tiring if you don’t have the proper knowledge, and what if someone misleads you? Then, in that case, we recommend you opt for certified insurance agents who will be ready to guide you throughout the process. JK Medicare Solution is the right option for you. Check our website for more details, and book your counselling session now!

[notakugelblitz]

DELORES PART 1 • Five Hargreeves x Fem!Reader

something sweet to soothe your anger dearest brellies 🥰 takes place during season 4 episode 1, no warning all safe. enjoy !

Y/N had worked with Five at the Commission. She was with him on the day of JFK's assassination, and when he mentioned the possibility of escaping the company, she thought, why not? The Handler still hadn't given her the promotion she'd been promised 15 years ago, and the health insurance was worthless by then ...

Y/N followed Five through three apocalypses, becoming a teenager again. At least she no longer had the beginnings of arthritis, which she was more grateful for than her colleague. The Hargreeves quickly took Y/N under their wing, appreciating her a lot, especially since she had the gift of shutting Five up.

Y/N and Five became very good friends. Once the umbrella Academy lost their powers in this new timeline, Y/N chose to open a bookstore, while Five became a CIA agent. They met from time to time, enjoying each other's company over a black coffee on a terrace. In six years, nothing ambiguous had happened between them. Y/N wasn't sure if she wanted it to or not—it was a strange feeling. But now, with her new life started, she had time. If Five was interested, he would make a move; if not, so be it. But this was the calm before the storm...

Five entered the secret meeting set in an apartment with a classy, dimly lit atmosphere. The place was spacious, hosting about thirty people. Five smoothed his mustache, grabbed a glass of champagne from the buffet, and scanned the room. Just as he thought he recognized Lila, another young woman caught his attention. She was leaning against the balcony, her face hidden as she stood with her back to him. She had long, straight auburn hair, styled with a yellow beret. She was wearing a white shirt with black polka dots, neatly tucked into her pencil skirt.

Five felt a drop of sweat trickle down his temple and took a deep breath before joining her. He also leaned on the balcony, just like she did, barely daring to look at her.

"Beautiful night, isn’t it?" Y/N murmured, a simple smile on her lips.

She didn’t meet his gaze either, which slightly irritated Five. He finally turned his head and recognized Y/N.

"What the hell are you doing ..."

The words escaped his mouth when he noticed the name on her nametag : Delores. Five almost choked on his champagne.

"Yeah, the champagne is disgusting, I agree. But the hors d'oeuvres are delicious though. You should try them!" "What are you doing here? Don’t tell me you’re part of this ridiculous support group ..."

Y/N burst into laughter, shaking her head.

"Oh no, no ... I came with "Nancy" so Diego wouldn’t ask too many questions. But this wig is seriously itching. It's awful." Y/N explained, amused, scratching her scalp.

She then turned her attention to Five and looked at his nametag.

"Jerome? That doesn’t suit you very well. I wonder where you got that name..." "It wasn’t my choice. And where did you get yours?" he retorted, frowning.

Y/N raised an eyebrow, surprised by his sudden cold and somewhat aggressive tone.

"I like that name." Y/N simply said. "And that shirt—do you like it too? It’s hideous." "I found it in a thrift shop—it seemed nice... hey! What’s gotten into you?" Y/N finally exclaimed. "Bullshit." "Five what the hell!"

Y/N seemed sincere. She had no idea what her cover name meant to him. After all these years, he had never told her about Delores. Instead of apologizing, he downed his glass of champagne.

"So, those hors d'oeuvres?" Five asked.

Y/N laughed lightly, understanding it was his awkward way of apologizing. Just as she was about to praise the treats, Jean and Gene appeared, announcing the start of the meeting.

What followed was a very eventful evening. The Umbrella Effect, interacting with Jean and Gene, dining with Lila and Five, Viktor's kidnapping... it felt like the old days! And throughout it all, Five kept giving Y/N odd looks. Why had fate embedded the love of his life so clearly in his friend and colleague? Five didn’t believe in coincidences; he never had.

Y/N had noticed those supposedly discreet glances, which intrigued her a lot. Especially since she could feel her cheeks flush like a 16-year-old girl.

Despite everything, the Hargreeves ended their evening at an Asian restaurant to debrief. Having retrieved the Marigold thanks to Sy, most of them decided not to take it. This surprised Y/N a lot. Powers... that was the dream, wasn’t it?

While Ben was in the bathroom, Y/N leaned toward Five.

"Imagine what you could do for the CIA with your teleportation..." she whispered. "Shut up, Y/N." Five murmured. "No, but seriously! I don’t know what I’d give to be special like you guys were! If it were up to me, I’d drink that jar dry!"

Five chuckled sarcastically, rolling his eyes.

"If you think this is one of those stupid Marvel movies, think again. Having powers comes with great responsibilities, sure—the responsibility to control them and not cause an apocalypse." "Killjoy..." Y/N sighed. "And for your information..." Five hesitated before continuing in a lower voice, leaning a bit closer to her. "You don’t need that to be... special."

Coming from his mouth, it sounded weird. Reaching her ears, it sounded weird. Y/N sat up straight and silently thanked some higher force when Ben arrived with a tray of eight shots. While everyone found an excuse to leave, Ben convinced them to drink. "For old time's sake," he said.

Everyone gave in, and when Y/N realized she didn’t have a glass, she felt disheartened.

"Can’t I celebrate our reunion?" she asked. "You're not part of the family." Ben snapped. "Wow, Ben, that’s rude!" Luther exclaimed. "Y/N is more family than you ever were." Five groaned, pointing a threatening finger at him. "No, it's fine, let it go, Five." Y/N sighed, though Five’s words had touched her.

She stepped aside, letting them toast. Just as everyone raised their glasses to their lips, Klaus nudged Y/N and handed her his glass.

"OnJanuary 15th, it'll be 3 years that I am sober. Tonight’s not the night I’ll mess that up, and certainly not for old time's sake." Klaus whispered. "I can’t accept that ..." Y/N politely refused. "Oh, come on, down it or I’ll tell everyone you slept with Five at Luther’s wedding."

Y/N gasped, grabbed the glass, drank it down in record time, and handed it back to Klaus. No one seemed to notice the trick, and that was just as well.

Y/N still had that awful taste in her mouth. Maybe she shouldn’t have drunk that glass. After all, Klaus was lying. Wasn’t he? It was true she had a total blackout that night, but... her and Five? No... right?

Once outside, everyone said their goodbyes. As Y/N tried to figure out where Klaus had gone so she could question him, a car pulled up next to her. The passenger window rolled down, and she bent down to see the driver. It was Five.

"I’ll give you a ride." "No, it’s okay, I’m not far..." "That wasn’t a question," Five said, leaning over to open the passenger door.

Y/N sighed but couldn’t help smiling. She got in, buckled up, and Five started the car.

"Be honest with me, Y/N." he said seriously, focusing on the road. "Mmh?" "Why Delores? And why that damn polka dot shirt?"

Y/N widened her eyes.

"You're still hung up on that!" she exclaimed. "I’ve changed since then..." "Stop it right now, Y/N. This isn’t funny," he growled. "Look, Five, I don’t understand! You’re completely crazy!" "Why Delores?" "I don’t know, okay?" she yelled back. "I don’t know."

She repeated the sentence silently to herself.

"The name just came to me, and the shirt was the cheapest... I swear, Five, I’ve never been more honest with you..."

Five finally looked at her and realized she was telling the truth. When they arrived at the bookstore, he parked on the side of the road.

"I’m sorry, Y/N... it’s just that... I knew a Delores a long time ago, and... she looked just like you."

Y/N, surprised, met his gaze and tilted her head to the side.

"I never thought the famous Five Hargreeves had a romance," she breathed.

Five nodded , locking eyes with her sparkling ones. He had always loved that color, though he would never admit it. He looked away, eyes fixed on the steering-wheel. Fortunately Y/N didn't know Delores was a mannequin. Five kept silent, thinking about this damn coincidence and its probable meaning.

Y/N didn’t know what to say so she got out of the car, feeling unsettled. As she headed towards the bookstore, she suddenly stopped, turned around, and walked back to the car, leaning against the window on Five’s side.

“Be honest with me, Five.” she said seriously.

Five chuckled softly, amused by this ongoing joke, and nodded, signaling her to continue.

“What happened at Luther’s wedding?” she asked suddenly.

Five frowned. Why was she asking about that now?

“They got married,” he said simply. “Haha, very funny. No, seriously, between us... did something happen?”

Five discreetly swallowed and started the car.

“You should go home, it’s getting late.”

Y/N groaned and walked around the front of the car again so that he couldn't leave, suddenly opening the passenger door and sitting down.

“What are you doing…?” “You agreed to be honest with me. And you’re not. So I won’t move until…” “Fine.” "Oh, that was quick."

Five immediately started driving and continued in silence.

“Aren’t you going to say something?” “No.” “So, is this a kidnapping?” “Call it whatever you want. You learned how to jump out of a moving car at the Commission, so if your ass is still in that seat, it means you don’t really want to leave.”

Point for him. The silence was fine at the beginning, but it grew heavier and heavier minutes after minutes. Y/N was relieved when she recognized the streets as they were arriving at the parking lot of Five's apartment. He turned off the car and slumped further into his seat. Y/N could tell he was hiding something.

“So. Did we sleep together that night?” she asked bluntly.

Five’s eyes widened.

“What! Who told you that nonsense?” he exclaimed with an amused tone. “Klaus… he…” “You know Klaus always exaggerates, Y/N…”

Y/N lowered her eyes, embarrassed for having believed it so easily. Five noticed her distress and sighed. He rummaged through an inner pocket of his jacket, hesitating before pulling out a Polaroid photo. He handed it to Y/N nonchalantly. She looked at him, then at the photo, which she took with apprehension. It was taken at Luther’s wedding. Y/N and Five were on stage. A microphone stand separated them, only a few centimeters from each other's face. They looked completely drunk, which explained why they were singing so close and why Y/N had no memory of it.

“Just imagine eyes like moon rise, a voice like music, lips like wine.” Five muttered, glancing at her from the corner of his eye.

Y/N looked up at him. Those were the lyrics to a love song by Frank Sinatra, yet it sounded oddly different coming from his mouth.

“Please, tell me…” she whispered.

Five sighed, knowing full well he had reached a point of no return.

“We overdid it on the alcohol that night. And with the apocalypse looming... it makes you do things you wouldn’t normally be capable of.”

He paused, but Y/N smiled, encouraging him to continue.

“You seemed different that night. You had no filter. You never had one when it came to annoying me, but for saying nice things, well... and you were really beautiful. And without thinking, I grabbed that mic and sang that stupid Sinatra song. And you looked at me with those eyes. They sparkled like… like the Kugelblitz. Almost more. And you joined me, and we made quite the duo, I must say. I can't fucking remember the name of the song as we were only babbling incomprehensible lyrics.”

Y/N was speechless.

“So…” “No sex. Pure fluff, even though it’s a disgusting word to say.”

Y/N chuckled.

“And you kissed me,” Five finally said, emotionless.

Everything seemed so unreal, yet he looked sincere.

“Why didn’t you tell me for six years?” she asked, shocked. “I… I chickened out. You didn’t remember, so it gave you the chance to start fresh.”

Suddenly, Y/N slapped him across the face, the sound of the slap echoing through Dallas. Five didn't blink, feeling like it was deserved somehow.

“You’re such an idiot.” “I know.”

They remained silent for a moment, staring into each other’s eyes. If any member of the Umbrella Academy had the power to read minds, they would’ve run away, given the turmoil that stirred within them.

Y/N thought back to all those moments spent with Five, and of course, they had a different flavor than those shared with an actual colleague. Despite their constant teasing, Five had always been there for Y/N, and vice versa. They understood each other, given their age and experience. Everything suddenly became clear.

And then, in perfect synchronization, they kissed passionately, Y/N placing her hands on Five’s cheeks while he firmly gripped her waist. It was a fiery kiss, making up for all the lost time due to misplaced pride. Out of breath, Y/N pulled back slightly to look at him, a smirk on her lips.

“What? Don’t make me regret what just happened…” Five chuckled. “Firsy things first, secretly keeping a picture of me is weird. Secondly, the song by Sinatra ... It is named Dolores. Just saying…” Y/N laughed, tucking a strand of hair behind his ear that had fallen over his bright eyes.

"Shut it." he groaned, pecking your lips to make you silent. But then , he approaches his lips to your ear, whispering.

“It seems that no matter the timeline, I’m destined to have a Delores getting in my way.”

Y/N burst out laughing, and Five couldn’t help but smile sincerely. It felt good to come out of his shell, especially for Y/N. Five invited Y/N to spend the night at his place. This sudden happiness seemed surreal, yet it was very real. The idea of a normal life together seemed so pleasant. If only they knew ...

here it is, i really hope you liked it ! sorry if you spotted some mistakes, English isn’t my first language.

would you be interested in a part 2 now that Y/N swallowed up a shot of marigold ? just sayin’ … 😏

[triysn]

No but rex ft. social situations

Rex that just tends to talk about downright horrifying shit because he’s doesn’t have a clue how abnormal it is

Some stuff is about his screwed up past like he’ll say oh yeah my parents used experimental tech on me as a child and gave me powers but don’t worry they did it to save my life OR yeah providence/holiday has 24/7 access to all my biometrics and can tell whenever I so much as sneeze

And people are just outraged (rightfully) and be like… sweetie, that’s- that’s a violation of basic privacy?? They’re not allowed to do that to a minor, much less someone who has no idea what the full ramifications of such an invasion is and has not been informed nor asked for consent to such a thing.

And rex is just like, what :)

And lord forbid rex casually drop his pre-Providence backstory like: yeah, my parents died when i was 10 and i just wandered around alone with amnesia, doing crime and being exploited by mafia bosses. Also whenever i got reaally stressed i exploded and lost all my memories again so

Noah: >8O

Rex: is that okay

Holiday takes the greatest joy in bullying white knight/providence into paying for rex’s weekly therapy sessions, because if anything’s owed, it’s monetary compensation for all the shit rex had to put up with

On a lighter note, there’s probably a lot of stuff rex just doesn’t know about because of his funky memory and noah not being able to fully socialise rex in every possible way

Like he doesn’t know about Disney or has never been to an amusement park (outside of work) and reintroducing him to everything could be a whole fic in itself.

Also let us remember that rex isn’t actually good with teenagers his own age??? The only person we’ve seen him spend time around is noah but when faced with multiple teenagers in a social setting without noah he’s a hot mess??

re: “Awkward teen situation” in hong Kong,

the asshole group based off of the men of action.

I don’t know. He’s so eager to please which is usually what makes the situation so hilarious. he’s like an adorable puppy who has no idea what he’s doing but he’s trying so hard?? The fact that he could probably wreck everyone he’s trying to make friends with makes it that much more surreal. Like. He just killed a guy yesterday, but then he's trying to play video games with you.

the code switch between trying-to-make-friends him and providence-agent him in Grounded is insane.

Every interaction between him and a normal person about life is just

Noah: it’s not normal for your parental figures to try and microchip you Rex, who is long accustomed to holiday trying to stick bits of metal into his bloodstream: wHAt

Rex: hey guys sorry I can’t hang out today white knight says I have to work Noah: it’s Sunday Rex: Yea Noah: you were working Monday thru Saturday for like more than 12 hours Rex: …yea Noah: that’s illegal. That’s a violation of labour laws. Rex: i’m 17

Noah: don’t you get vacation days? Paid leave? Sick days? Health insurance??? Rex: I don’t even get paid

throw in the celebrity trio and their parents are ready to adopt this traumatized child-soldier.

[cosmicpuzzle]

Capricorn ♑️ in Houses- Where you are Rigid and Serious?

Capricorn in 1st : Rigid personality and mannerisms. Takes activities seriously

Capricorn on 2nd: Rigid with money and family, takes responsibilities seriously. Rigid with food habits and diet.

Capricorn on 3rd : Rigid with thoughts, ideas, relatives, neighbours. Serious and practical intellect.

Capricorn on 4th: Rigid with family members, hard emotions, serious with land and properties, vehicles, house documents.

Capricorn on 5th: Rigid with romance, chooses older partners, no fun, takes dating seriously or want dating to lead to marriage, disciplines children.

Capricorn on 6th: Rigid with routines, daily activities, takes work and co workers seriously, rigid in workplace, takes health seriously.

Capricorn on 7th: Rigid with relationships, partner, takes marriage as heavy duty, cold partners, lack of love, takes people seriously.

Capricorn on 8th: Rigid with other's money, doesn't like benefitting from others, takes responsibility for others money (tax/insurance agents?), takes sex seriously, orderly in sex habits, rigid with transformations, slow to change life pattern.

Capricorn on 9th: Rigid with fathers or rigid fathers, takes religion seriously or doubts it, travel is no fun, travels only for office/business, takes philosophy seriously.

Capricorn on 10th: Rigid with work, job, father, bosses or they are rigid. Takes career seriously. Takes leadership seriously.

Capricorn on 11th: Rigid with friends and groups, serious friends or older friends, sees friendship as responsibility, slow income, rigid with elder siblings or rigid elder siblings.

Capricorn on 12th: Rigid with having pleasure, doesn't probably relax well or take vacations, worries about responsibilities secretly, takes fun seriously, very inhibited in general.

[tarysande]

Can I ask, how does one go about becoming an editor? Like, where do you apply for jobs?? What kinda training do you do?? Are there companies that hire out editors to writers? Im just so confused about it. Ive always been interested in editing, and am considering doing it as a job

Editing is a weird career.

Really, I started as a writer. Like, when I was eleven. In jr. high and high school, I was in a writing critique group and I wrote a lot. I graduated from university with a degree in theatre, film, and creative writing. I was often the person my friends came to when they needed help with a paper (or the correct placement of a semicolon). I've been involved in fandom since I was about 17, and I was very fortunate to fall in with a group of excellent writers who were also excellent betas and editors. I learned a TON from them without realizing how much I was learning.

I started editing by accident, really. Sometimes, that's how it happens. I mostly got gigs here and there through friends or word of mouth. About ten years ago, I got more serious about it. I worked for companies that paid horribly. Then I did an editing test for a company that paid less horribly, and they hired me. After a couple of years editing countless academic papers, ESL academic papers, novels, emails, business documents, etc., I decided to branch out on my own (mostly so I could work on more fiction; I was burned out on academic papers).

I joined Editors Canada, started volunteering with them, got a lot more experience, and took a few continuing ed courses to gauge where my skills were at and to determine if I needed to upgrade my education. I decided I didn't need to do that, because I already knew the things I was being taught.

I read a lot of books on editing, writing, and craft. I familiarized myself with the Chicago Manual of Style, APA, MLA, and a couple of other style guides. I learned the differences in spelling, punctuation, and style between US, UK, and Canadian English. I went to webinars, conferences, and courses (all the major editing associations offer these, usually cheaper or free for members; they are a great way to determine what kinds of editing you actually LIKE). I learned the difference between rules and preferences, and when to apply them to a text.

I work freelance, which means I have my own business as a sole proprietor. I'm a contractor with a couple of companies who sometimes send work my way, but most of my clients are individual writers planning to either self-publish or polish their work before seeking traditional publication via the agent/tradpub route.

Freelancing has many perks but is not particularly secure. Especially if you're American and need an employer to provide health insurance, or if you're single and don't have another income to lean on when contracts are scarce. These days, most of my work comes via referrals, my website, or the listing I have in the Editors Canada directory. I follow a couple of editing-related Facebook groups; I've learned a lot there, and I've also picked up the occasional client. A couple of people have found me through LinkedIn. A couple of people have found me through here!

I've never worked in-house for a publisher--mostly because having control over how many hours I work and when I work them is my top priority. In-house is a whole different ballgame; I know a bit about it from my peers, but I don't have firsthand experience to pass on. These jobs are supposedly more secure--and they tend to be salaried, with benefits, etc.

"Editing" is a GIANT umbrella term. There are SO many types of editing out there. People tend to think of book publishing first, but that's only one avenue. There are also different kinds of editors who tackle different types of problems. I've done enough of everything to recognize that I am much happier when I'm working on big picture stuff--coaching, developmental editing, manuscript critique. Others specialize in the nitty gritty mechanical details that make proofreading or copy editing a better fit.

Right now, the bulk of my work life is actually spent ghostwriting. The client's business-materials editor posted that his client was looking for someone to help with characterization in a novel. I ended up winning that contract. He came to me with one monster book. I helped him realize it needed to be at least a trilogy, and now he has plans for a ten-book series--and I'm helping write it. But I got the job because of the work I've done on the development side of editing--and because I've spent SO MUCH TIME learning about characterization (via acting, fandom/writing fanfic, reading, etc.). So. It all feeds into the same place.

The tl;dr is that my experience has been a bizarre mix of being in the right place at the right time, ongoing professional development, and learning the value of volunteering with an association. If I were starting down this career path right now, I'd probably do an editing certificate (there are many out there, depending on country). I'd definitely join an association sooner (even as a student member) and volunteer.

Actually, the ultimate tl;dr is ... this industry IS CONFUSING. So, don't feel bad about being confused. It's actually probably about eight different kinds of job wearing a trench-coat and pretending it's something called "Editing."

[ruthfeiertag]

The White House just announced that President Biden has contacted COVID. I wish him a speedy and complete recovery. Because the President has been fully vaccinated (and because he has access to levels of health care few of the rest of us enjoy), he is likely to be well again soon. But even a mild or asymptomatic case can lead to Long-COVID, and we should be protecting ourselves and each other from catching this corona virus and possibly developing a permanent, debilitating condition.

Apoorva Mandavilli, writing for the _New YorkTimes_, reminds us that “for some people with certain risk factors — age, pregnancy, chronic conditions or a compromised immune system — an infection may bring serious illness.”1

If you want to know what it’s like to live with a post-viral chronic illness, read the Tumblrs of people enduring them (see the tags below), particularly those of us living with myalgic encephalomyelitis (me/cfs), the condition closely aligned with Long-COVID. (“The illness [Long COVID] is similar to myalgic encephalomyelitis/chronic fatigue syndrome [ME/CFS] as well as to persisting illnesses that can follow a wide variety of other infectious agents and following major traumatic injury.”2) And while some of us are more susceptible than others, ANYONE, no matter how young and healthy, can develop Long-haul COVID:

“Long COVID occurs more often in people who had severe COVID-19 illness, but anyone who gets COVID-19 can experience it, including children.”3

The CDC article also highlights the way that “Living with Long COVID can be difficult and isolating, especially when there are no immediate answers or solutions.” It does not describe the devastating possible “side effects” of losing the ability to work, to enjoy activities, to be independent, nor of the experiences of having doctors refuse to believe one’s condition is real, of the near-impossibility of getting to a doctor who specializes in post-viral diseases (and who won’t accept insurance)4, nor of the feeling of being an inconvenience or burden to those who care for us.

“In every age group, even a mild illness may trigger a lasting set of problems. Nearly 14 million Americans, or about 5.3 percent of adults, may now be living with long Covid, according to the Centers for Disease Control and Prevention.”1

Wearing an N95 might not be the most comfortable fashion accessory, but putting one on when we will be among others can save lives and the meaningful existence of the people with whom we come in contact. The inconvenience is far less than the loss of income, health, and happiness Long-COVID can bring.

************************

1. Apoorva Mandavilli. “Long Covid and Vaccination: What You Need to Know,” _New York Times_, July 17, 2024, 6:03 p.m. ET

https://www.nytimes.com/article/long-covid-vaccine.html?smid=nytcore-ios-share&referringSource=articleShare&sgrp=c-cb

2. Anthony L. Komaroff and W. Ian Lipkin. “ME/CFS and Long COVID share similar symptoms and biological abnormalities: road map to the literature,” Front Med (Lausanne). 2023; 10: 1187163. Published online 2023 Jun 2. doi: 10.3389/fmed.2023.1187163

PMCID: PMC10278546PMID: 37342500

3. https://www.cdc.gov/covid/long-term-effects/?CDC_AAref_Val=https://www.cdc.gov/coronavirus/2019-ncov/long-term-effects/index.html

4. “There are only a handful of specialists and clinical centers that specialize in ME/CFS around the country. Many of them do not take insurance and most have waiting lists that can be years long.” https://solvecfs.org/me-cfs-long-covid/patient-and-caregiver-resources/

[vulpine111]

I mostly napped after I got my methadone today, but now I'm going to take a shower. I finally found the spoons to make a couple of medical calls.

I called my insurance for more rides to the clinic. I put in as many as they will allow me in advance. It's always a hassle to ask the robotic line for a representative. I have to say "agent now" about 10 times in a row.

Anyways, I also called customer service to figure out how to stay on my health plan. I've been getting reminders it's just about time to reinroll for next year. I'm not sure if social security will do it for me automatically but I should probably call first thing in the morning tomorrow.

I would talk to the income support division now about how to reinroll, but they close in 15 minutes and the hold times are long. It has to wait.

I figure they want me to communicate to some extent that I still want this plan. I don't know of any other plans that would serve me better, so I'm going to continue to choose Blue Cross Blue Shield through Medicaid.

Speaking of medical stuff, I only need to lose 6 more pounds and I'll be at my goal weight for the hysterectomy. Maybe I should call and see how much longer it's going to take to get answers regarding my sleep apnea.

Like I mentioned, they can't perform the surgery unless they have info from the sleep study. The wait list is taking forever. A lot of stuff is backed up here.

I don't think I should end my life until I see how surgery and the CPAP machine treat me. It's possible I might be happier and more capable at some point. It would be a shame to cheat myself out of any possible future happiness.

Besides, it is extremely unlikely I will end up in a group home. I'm going to fight as much as possible to stay in my existing apartment, tbh.

I know they're not social workers or guardian angels or anything like that, but I plan to talk to the office here and let them know it would be a huge hardship for me to move.

Maybe they'll have heart for my situation and agree to work with me whenever I upgrade to section 8. Maybe they can talk to the supervisor about it- even though in the past I've been told they don't like to change leases.

Since I always pay early, I've demonstrated I am a decent tenant that they can count on.

[atianana]

What is general insurance? - Insurance

What is general insurance? — Insurance

Understanding General Insurance: A Comprehensive Guide

General — Insurance plays a vital role in safeguarding individuals and businesses from unforeseen risks and financial uncertainties. One of the most common types of insurance is general insurance, which encompasses a wide range of policies designed to protect against non-life risks. In this article, we will delve into the world of general insurance, exploring its definition, key categories, importance, and how to choose the right coverage for your needs.

What is General Insurance?

General insurance, also known as non-life insurance, is a financial product that provides protection against various risks, excluding life-related risks. Unlike life insurance, which pays out benefits upon the policyholder’s death or maturity, general insurance policies offer coverage for specific contingencies, such as accidents, theft, property damage, and liability claims.

Key Categories of General Insurance

Health Insurance:

Health insurance policies cover medical expenses incurred due to illness, injury, or accidents. They can include individual health plans, family floater policies, and group health insurance provided by employers.

Motor Insurance:

Motor insurance encompasses policies for automobiles, including cars, motorcycles, and commercial vehicles. The two primary types are:

Third-party liability insurance, which covers damages and injuries caused to third parties.

Comprehensive insurance, which also covers damages to the insured vehicle.

Home Insurance:

Home insurance protects your residence and its contents against various risks, including fire, theft, natural disasters, and structural damage. It includes building insurance and content insurance.

Travel Insurance:

Travel insurance provides coverage for unforeseen events while traveling, such as trip cancellations, medical emergencies, baggage loss, and personal liability.

Property Insurance:

Property insurance extends beyond homes and covers commercial properties, warehouses, and other assets. It safeguards against fire, theft, vandalism, and natural disasters.

Liability Insurance:

Liability insurance protects individuals and businesses from legal claims arising from injuries, damages, or accidents for which they may be held responsible. Examples include professional liability insurance, public liability insurance, and product liability insurance.

Marine Insurance:

Marine insurance covers goods and cargo transported via sea, air, or land. It mitigates risks associated with damage, theft, or loss during transit.

Also Check: <<< Trending Topics >>>

Importance of General Insurance

Financial Protection: General insurance provides a safety net, ensuring that individuals and businesses do not face significant financial losses in the event of unforeseen incidents.

Legal Requirements: In many countries, certain types of general insurance, such as motor insurance, are mandatory by law to protect third parties in case of accidents.

Peace of Mind: Knowing that you have insurance coverage gives peace of mind, reducing stress and anxiety related to potential risks.

Risk Management: General insurance allows individuals and businesses to manage risks effectively by transferring them to insurance companies.

How to Choose the Right General Insurance Coverage

Assess Your Needs: Identify the specific risks you want to protect against and assess your budget to determine the coverage you require.

Research Insurers: Compare policies and quotes from different insurance companies to find the most suitable option for your needs.

Understand Policy Terms: Carefully read and understand the terms and conditions, including coverage limits, deductibles, and exclusions.

Seek Professional Advice: Consult with insurance agents or brokers who can provide expert guidance on selecting the right coverage.

Review Regularly: Reevaluate your insurance needs regularly, especially when major life events occur, such as marriage, the birth of a child, or buying a new home or vehicle.

Conclusion

General insurance is a crucial component of financial planning, offering protection against a wide range of non-life risks. Whether it’s safeguarding your health, home, vehicle, or business, having the right general insurance coverage can provide peace of mind and financial security when you need it most. By understanding the different types of general insurance and assessing your needs, you can make informed decisions to ensure your protection in an unpredictable world.

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[jkmedicare]

Medicare Insurance Agents in San Francisco

Finding the best Medicare insurance agents in San Francisco is not easy. But JK Medicare Solution provides certified insurance agents to its clients. The agent will guide you and provide all the details to you directly. The best thing is there are no hidden charges. After knowing all the required information, they will suggest the best plan according to your needs. To opt for this, visit our website.

[pingcall-getlead]

How To Get Health Insurance Lead

Any insurance firm depends on leads to survive, but for many agents, finding fresh leads can be difficult. It takes time and experience to learn how to generate leads for insurance sales. But don't worry, we've picked up a few tips along the way from our many years of experience in the field.

Therefore, where do insurance agents find Health Insurance Lead? Where can you find leads, also? For solutions to all of your inquiries concerning insurance leads, consult our guide.

How Can I Increase My Health Insurance Lead? Increasing your lead count is one of the best strategies to increase your insurance sales. Consider this: It only makes sense that as you speak with more potential clients, your chances of closing the sale would increase after getting quality health insurance lead. In the sections below, we'll go over where and how to get those leads.

Health Insurance Lead Generation for Insurance Agents Okay, so how do you produce Health Insurance Lead Generation? When it comes to generating leads, seasoned insurance brokers have a variety of strategies at their disposal.

1. Conversion of Website Visitors

One of the most effective strategies to get more insurance leads is to have a captivating website. Visitors to your website should be able to spend some time learning about your offerings before entering their email addresses or other contact details to speak with one of your representatives. Make it simple for potential clients to provide you with their information, and you'll gradually notice a consistent flow of leads. 

2. Develop Your Online Reputation The majority of consumers in today's market will never make a purchase without first reading reviews, and the same is true for insurance products. By adding your business to a variety of reliable review websites, including Google and Yelp, you may improve your online reputation and get more leads. 

3. Enhance Your SEO

Increasing your ranking in search engine results is a certain strategy to attract more leads. The majority of internet users tend to focus on the top results initially and don't want to waste time scrolling past the first page of results. By concentrating on keywords, producing worthwhile content, and employing an SEO specialist, you can improve your ranking.

4. Engage on Social Media

Even though the majority of social media users aren't using the platform to learn more about insurance, it's still critical to be present there to answer queries and address criticism. Running Facebook advertisements, sharing content on Instagram stories, and replying to tweets have all been effective ways for many insurance firms to generate new leads.

5. Boost Your LinkedIn Profile One of the best resources for locating trustworthy, top-notch leads is LinkedIn. However, it's crucial to refine your plan before putting it to use. Make sure your profile is expertly written, comprehensive, and highlights the benefits that your Life Insurance Leads can provide. After that, join and participate in groups that are relevant to you and share knowledge that may be helpful with others. Keep in mind that nurturing leads on LinkedIn takes time, so have patience and foster long-lasting connections.

6. Take Part in a Networking Group Even though the internet may now be the primary source of insurance leads, traditional tactics shouldn't be fully abandoned. One of the best ways to generate fresh leads occasionally is through in-person networking. Join networking clubs for professionals to meet people in comparable fields. You never know when they'll send over a prospective client. SOURCE URL: https://medium.com/@pingcall69/how-to-get-health-insurance-lead-197d2c804f42

[floridahealthcareinsuranceusa]

Business Name: Florida Healthcare Insurance

Street Address: 4991 NW 107th Ave

City: Coral Springs

State: Florida

Zip Code: 33076

Country: United States

Business Phone Number: 954-282-6891

Business Email Address: info@floridahealthcareinsurance.com

Website: https://floridahealthcareinsurance.com/

Facebook: https://www.facebook.com/FloridaHealthcareInsurance

Instagram: https://www.instagram.com/floridahealthcareinsurance/

Description: Florida Healthcare Insurance is a top-rated health insurance agency that provides high-quality health insurance, group health insurance, and Medicare Supplements for individuals and small businesses in Florida. Since 2002, FHI’s award-winning team of expert agents offer a personalized experience, delivering quality plans and options in minutes, all at affordable rates. Partnering with several major carriers like Cigna, United, and more, FHI provides various health insurance programs like accidental death, disability, life insurance, and more. Family owned and operated, their team is dedicated to helping individuals find the best coverage that matches their needs and budget with 24/7 customer service.

✅ Health Insurance Florida

Google My Business CID URL: https://www.google.com/maps?cid=952295565562303886

Business Hours: Sunday Closed Monday 8am to 10pm Tuesday 8am to 10pm Wednesday 8am to 10pm Thursday 8am to 10pm Friday 8am to 10pm Saturday Closed

Services: Health Insurance, Life Insurance, Medicare, Dental Insurance, Family Health Plan, Group Health Plan, Florida Health Insurance

Keywords: Life Insurance Florida, Medicare Florida, Health Insurance Florida, Health Insurance South Florida

Location:

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[roshanarticles23]

How do you find good real estate deals?

Finding good real estate deals requires a combination of research, strategy, and persistence. Whether you're looking for a home to live in or an investment property, the following methods can help you identify and secure great opportunities:

1. Research and Stay Updated on Market Trends

Understand Local Market Trends: Learn about current property values, price trends, and the overall health of the real estate market in your desired location. This includes knowing the average days on the market, inventory levels, and sales prices.

Monitor Supply and Demand: Look for areas where there is an imbalance between supply and demand. High supply with lower demand often leads to better deals.

Stay Informed on New Developments: Keep an eye on upcoming infrastructure projects, transportation improvements, or gentrification areas that may lead to property value appreciation in the future.

2. Use Online Real Estate Platforms

Property Portals: Websites like Zillow, Redfin, Realtor.com, or other local real estate portals allow you to search for properties based on filters like price, location, and type.

Set Alerts: Many real estate platforms allow you to set alerts for new listings that match your criteria. This can help you act quickly when a good deal becomes available.

Track Price Drops: Some websites provide tools to track price reductions, signaling potential motivated sellers.

3. Work with a Skilled Real Estate Agent

Find an Experienced Agent: A knowledgeable real estate agent who specializes in the area you're interested in can provide insights on undervalued properties and upcoming listings.

Get Access to Off-Market Deals: Agents often have access to off-market or pocket listings (properties that aren’t publicly listed) and can connect you with sellers looking for a quick sale.

Leverage Negotiation Expertise: A good agent can negotiate better prices, identify hidden opportunities, and guide you through the complexities of the buying process.

4. Look for Motivated Sellers

Distressed Properties: Properties that are in foreclosure or owned by individuals in financial distress are often sold below market value. This includes pre-foreclosures, short sales, and bank-owned properties (REOs).

Inherited Properties: Owners who have inherited property might be looking to sell quickly, offering a chance to negotiate a better price.

Expired Listings: Properties that have been on the market for an extended period without selling might indicate that the seller is motivated to negotiate.

Owners Moving for Work/Relocation: Sellers relocating for a job or other reasons may need to close the deal fast, making them more flexible on price and terms.

5. Explore Auctions and Foreclosures

Real Estate Auctions: Property auctions often offer good deals, especially for distressed or foreclosed properties. However, auctions can be competitive, and you’ll need to do thorough research beforehand to ensure you’re getting a good deal.

Bank-Owned Properties (REOs): When a property is foreclosed and taken over by the bank, these Real Estate Owned properties are often sold at a discount. You can find these properties through banks, mortgage lenders, or government agencies.

HUD Homes: Properties owned by the U.S. Department of Housing and Urban Development (HUD) after foreclosure on an FHA-insured mortgage are sold below market value to recoup losses.

6. Negotiate with Sellers

Be Prepared to Negotiate: Many sellers, especially motivated ones, may be open to price negotiations or flexible terms. Don’t hesitate to make offers below the asking price, particularly if you’ve identified issues with the property or if it’s been on the market for a long time.

Ask for Seller Concessions: In some cases, sellers may offer concessions, such as covering closing costs, including furniture, or offering home repairs or warranties as part of the deal.

7. Network with Other Investors

Join Real Estate Investment Groups: Networking with local or online real estate investment clubs or groups can help you discover deals that aren’t publicly available. Investors often share tips, leads, and advice on upcoming deals.

Leverage Wholesalers: Some investors specialize in finding discounted properties and selling them to other investors. Working with a real estate wholesaler can give you access to off-market deals that aren’t listed on the MLS.

8. Attend Real Estate Events and Expos

Attend Local Real Estate Events: Conferences, workshops, and networking events are great places to connect with real estate professionals, developers, and investors. You may hear about deals or market trends early.

Explore Developer Pre-Launch Sales: Some developers offer discounted prices or flexible payment plans during pre-launch phases of new projects. Attending property expos or real estate fairs can give you access to such opportunities.

9. Explore Off-Market Properties

Direct Mail Campaigns: Sending direct mail to property owners in specific areas where you’re interested in buying can sometimes lead to off-market deals. These can be owners who haven’t considered selling but may be open to a good offer.

Door-Knocking: In targeted neighborhoods, you can approach owners directly to inquire if they’d consider selling. Some may not have listed their property but are open to offers.

Driving for Dollars: This involves driving around neighborhoods to spot neglected properties or homes that appear vacant. These may be potential deals with motivated sellers.

10. Time Your Purchase Wisely

Buy in a Down Market: In a buyer’s market, when there is an oversupply of properties, prices tend to be lower. If you’re able to wait for market downturns or corrections, you can often find better deals.

Off-Season Deals: Real estate activity typically slows down in the winter or around holidays. Sellers who list during these times may be more motivated to sell quickly and can offer better prices.

11. Look for Properties Needing Renovation (Fixer-Uppers)

Buy Fixer-Uppers: Properties that need some renovation or cosmetic work can often be purchased below market value. By improving the property, you can significantly increase its value and sell or rent it for a profit.

Run the Numbers: Make sure the cost of repairs, plus the purchase price, leaves enough room for profit. Always get a thorough inspection before buying a fixer-upper.

12. Leverage Financing Options

Consider Seller Financing: Some sellers are open to financing the sale themselves, which can offer more flexible terms and reduce upfront costs.

Low-Interest Loans: In periods of low interest rates, you can finance a larger portion of the property and reduce your monthly payments, making deals more affordable.

Conclusion

Finding great real estate deals involves a combination of research, networking, and creative strategies. By staying informed, using the right tools, and leveraging opportunities like auctions, distressed sales, and motivated sellers, you can secure properties at favorable prices. Whether you’re a beginner or an experienced investor, patience and persistence are key to finding the best deals.

[homesteadinsurance]

From homeowners insurance to auto insurance, Homestead Insurance Agency has you covered with various options to protect your most valuable assets. Our experienced agents are dedicated to finding the right coverage at the most competitive rates for all your insurance needs.