tag:blogger.com,1999:blog-34111247489361763822024-03-13T05:21:24.247-07:00Insurance BlogEverything about insurance and securing your futureaarongrey112http://www.blogger.com/profile/06321255122708390713noreply@blogger.comBlogger234125tag:blogger.com,1999:blog-3411124748936176382.post-58835930325549973532023-09-19T07:45:00.003-07:002023-09-19T07:51:20.999-07:00Major Job Cuts Reported at Miami Insurtech HealthCare.com<p> </p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjHrrfNTG95HFaocFAU79ymin5ruvyTid4JFxxVVdZ3hlH3kVafyEyhc1KFRdGBDSKGtJIcbH170vA97tlEDoPprtMArCpXYbhLNZiPwGV7zDedBcv8ZvfmfGKFB-EtQ-1flbCL_vsXaS5Z_oQnMpPES0tr763MPzKmHJGHSFRNpybwQskFvlq8V9kcImhU/s514/healthcareCOM.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="Healthcare.com website" border="0" data-original-height="404" data-original-width="514" height="252" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjHrrfNTG95HFaocFAU79ymin5ruvyTid4JFxxVVdZ3hlH3kVafyEyhc1KFRdGBDSKGtJIcbH170vA97tlEDoPprtMArCpXYbhLNZiPwGV7zDedBcv8ZvfmfGKFB-EtQ-1flbCL_vsXaS5Z_oQnMpPES0tr763MPzKmHJGHSFRNpybwQskFvlq8V9kcImhU/w320-h252/healthcareCOM.png" title="Healthcare.com website" width="320" /></a></div><br /><p></p><p>As the economy shows signs of slowing, many tech companies are making difficult decisions to cut costs. While layoffs are never good news, they sometimes become necessary for businesses to adapt in uncertain times. Recently, another Florida tech company was forced to make major job cuts to do just that.<br /><br />HealthCare.com, the online insurance marketplace based in Miami, announced that it would be letting go of 149 employees. While large in scale, the job cuts were likely a difficult decision for the insurtech's leadership to make. However, with concerns growing about a potential recession, cutting costs had probably become one of the top priorities.<br /><br />The layoffs were reported in a Worker Adjustment and Retraining Notification (WARN) that HealthCare.com filed with Florida officials. According to the filing, the affected employees worked in various roles and were largely remote workers located across multiple states. Unfortunately, the job cuts were also described as being permanent in nature.<br /><br />It's worth noting that HealthCare.com had raised a $180 million series C funding round just last December. At that time, the insurtech planned to use the new financing to hire additional employees and further expand its operations. However, the economic outlook changed rapidly over the following months. Rising inflation and interest rate hikes started to impact consumer spending and business confidence.<br /><br />While HealthCare.com hasn't disclosed the specific reasons behind its decision for job cuts, it's easy to connect the dots. With the economy appearing increasingly unstable and a potential recession looming on the horizon, prudent fiscal management had likely become a top priority. Making permanent reductions to payroll is often one of the first steps companies take to cut costs in tough times. Doing so also helps reduce expenses as revenue projections become less certain.<br /><br />In addition, HealthCare.com likely saw softening demand and needed to right-size various business functions that had grown rapidly after its large funding round less than a year ago. The insurtech probably had to recalibrate staffing levels across different departments like sales, marketing, customer support and others based on changing market dynamics. While painful in the short-term, the layoffs should help optimize operations and prepare the company for weathering an economic downturn, if one does materialize.<br /><br />Interestingly, layoffs in the tech sector have become fairly common of late. In just the past month, several high-profile tech companies like Twitter, Amazon, Stripe and others announced major job cuts as concerns about a potential recession increased. These companies are usually well capitalized and successful. Therefore, their layoff decisions often serve as leading indicators of harder times ahead for the broader economy.<br /><br />Closer to home, Miami insurtech Appgate also made the difficult choice to cut around 22% of its staff just last week. Together, the recent layoff moves by HealthCare.com and Appgate suggest that even fast growing local tech firms are battening down the hatches and minimizing risk as macro headwinds strengthen. Many other companies across industries are likely following suit behind the scenes.<br /><br />While never an ideal scenario, job cuts are sometimes a necessary part of business in uncertain economic periods. The layoffs announced by HealthCare.com, Appgate and others seem aimed at rightsizing operations and ensuring financial flexibility in case a downturn materializes. With solid management and vision, many affected employees will hopefully find new opportunities soon as well. But these signs of belt-tightening from the tech sector serve as yet another reminder that choppy times may lie ahead. Only time will tell how deep and long-lasting any economic troubles end up being.<br /><br />In conclusion, the 149 job cuts reported at Miami's HealthCare.com were a difficult decision brought on by growing uncertainties. However, prudent cost-cutting should help the insurtech weather potential economic storms. With experienced leadership and strong products, HealthCare.com seems well positioned to emerge from this challenge and continue innovating in the future. For now, online healthcare will remain a critical need regardless of economic conditions. The road ahead may be bumpy, but with resilience and focus on their mission, HealthCare.com and other local tech companies stand a good chance of maneuvering through turbulence successfully.</p><p> </p><p> --------------------------</p><p>Please check out my friends blog:</p><p><a href="https://mailmarketingjob.com/clickfunnels-2-0-vs-aweber-which-one-is-better" rel="nofollow" target="_blank">ClickFunnels 2.0 vs AWeber</a><br /><a href="https://mailmarketingjob.com/convertkit-vs-getresponse-email-marketing-showdown" rel="nofollow" target="_blank">ConvertKit vs GetResponse</a><br /><a href="https://mailmarketingjob.com/flodesk-vs-mailchimp-email-marketing-platforms" rel="nofollow" target="_blank">Flodesk vs Mailchimp</a><br /><a href="https://vegetablechopperpro.com/" rel="nofollow" target="_blank">VEGETABLE CHOPPER PRO</a><br /><br /><br /></p><p> <br /></p><p> </p><p> </p>aarongrey112http://www.blogger.com/profile/06321255122708390713noreply@blogger.com0tag:blogger.com,1999:blog-3411124748936176382.post-51710915481616114052023-07-11T20:30:00.001-07:002023-07-11T20:30:20.913-07:00Farmers Bails on Florida: 100,000 Homeowners Left High and Dry<p><br /></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg4dnDAhVpjdDntqm5fqQZ15Wc1Rh_wMlU9tVaYdgeJexbPURN7xSLG2Pm0g1J_MRWUMnhmMYA0kG1YG9MLKcP_NwUOgQX7nZyoJMnM87LNw8v7d88bBAo2Vg3fvYzyBMX1jb8YDC47Cdyc8tX4QTzV1PndJstkttGRgepCl9PfmirjlFndrZ4xcYNv6eOp/s1046/Farmers%20Leaving%20Florida.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="Farmers Insurance is leaving Florida" border="0" data-original-height="575" data-original-width="1046" height="352" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg4dnDAhVpjdDntqm5fqQZ15Wc1Rh_wMlU9tVaYdgeJexbPURN7xSLG2Pm0g1J_MRWUMnhmMYA0kG1YG9MLKcP_NwUOgQX7nZyoJMnM87LNw8v7d88bBAo2Vg3fvYzyBMX1jb8YDC47Cdyc8tX4QTzV1PndJstkttGRgepCl9PfmirjlFndrZ4xcYNv6eOp/w640-h352/Farmers%20Leaving%20Florida.png" title="Farmers Insurance is leaving Florida" width="640" /></a></div><br /> <br /><br />In yet another blow to Florida homeowners, Farmers Insurance announced this week that it will drop policies for around 100,000 customers across the state. The decision is the latest evidence that state reforms have failed to stabilize the troubled property insurance market.<br /><br />Farmers said it will not renew home, auto, and umbrella policies covering roughly 26.6% of its Florida customers. The company cited the need to "effectively manage risk exposure" in a statement.<br /><br />The announcement comes just weeks after another major insurer, Florida Peninsula Insurance Company, announced that it would be exiting the state altogether. This is the latest in a series of departures from the Florida market by insurers, who have been struggling to keep up with rising claims costs.<br /><br />The state's property insurance market has been under strain for years, due to a number of factors, including the increasing frequency and severity of hurricanes. In recent years, insurers have also been hit with a wave of lawsuits from homeowners who allege that their policies did not adequately cover damage caused by storms.<br /><br />In an effort to stabilize the market, the Florida Legislature passed a number of reforms in 2021. However, these reforms have not yet had a significant impact, and many insurers are still struggling to make a profit.<br /><br />The decision by Farmers Insurance to drop policies for 100,000 customers is a major setback for the state's property insurance market. It is likely to lead to even higher rates for homeowners, and it could make it even more difficult for people to find affordable coverage.<p></p><p> </p><p><br /> </p><p><a href="https://amzn.to/46HpPvp" rel="nofollow" target="_blank">Jetson LX10 Folding Electric Bike</a><br />Jetson LX10 Folding Electric Ride-On - Includes Easy Folding Mechanism, 250 Watt Motor, Top Speed of 15.5 mph, Twist Throttle, 10" Wheels, With Pegs, Black</p><p><a href="https://amzn.to/46HpPvp" rel="nofollow" style="margin-left: 1em; margin-right: 1em;" target="_blank"><img alt="Jetson LX10 Folding Electric Bike" border="0" data-original-height="1216" data-original-width="756" height="200" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjqMhPUErAKV4jSkXgsKh1tYRTA2f8PK9aqAaHvsc4F3gUzv9eOhJaiQNASNP_JnO0Zlch2ELLCAtyc4kHzBGnifAH84nF4m5GhEDdQ_QoyOtDLqPeE1zkc5KBIUhDQUoZBQpeUARubMgdiBJ3Yr45sd6E4cabrdKV7UdMUxP8UMrUOJ1hZTwYote3Jas1Q/w124-h200/Jetson%20LX10%20Folding%20Electric%20Bike.jpg" title="Jetson LX10 Folding Electric Bike" width="124" /></a><br /><br /><br /><br /><a href="https://amzn.to/3JSFyhk" rel="nofollow" target="_blank">Amazon Fire 7 Kids tablet, ages 3-7.</a><br /><br /><a href="https://amzn.to/3JSFyhk" rel="nofollow" style="margin-left: 1em; margin-right: 1em;" target="_blank"><img alt="Amazon Fire 7 Kids tablet" border="0" data-original-height="1500" data-original-width="1500" height="200" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhAkiQZu73k5dgoLbmWIboDIXi3aqKXAh0Ern1YlGnvv5FNEvXLiV1vMRT3doSdAetLZ7j8N-f-tCoCqKbfj9zA5slTiifboL13939YWrxMIjZdO7yLEkrPghDzq2pwBfuc0YBR_FFtVTKSFMiGuXGH7gkjlcdBosUz5G8OzfsHQgm7PlssmHp1_bjQkMN1/w200-h200/Amazon%20Fire%207%20Kids%20tablet.jpg" title="Amazon Fire 7 Kids tablet" width="200" /></a><br /><br /><b>Smart TV Under $100</b><br /><a href="https://amzn.to/3roFCiq" rel="nofollow" target="_blank">Toshiba 32-inch Class V35 Series</a> LED HD Smart Fire TV $99.99<br /><br /></p><p><a href="https://amzn.to/3roFCiq" rel="nofollow" style="margin-left: 1em; margin-right: 1em;" target="_blank"><img alt="Toshiba 32-inch Class V35 Series LED HD" border="0" data-original-height="962" data-original-width="1500" height="128" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEheEkxcVxUihunpLkDyJ6BaOBSO9pFCIlarRyrrbdyM8NcQdShbH_eJKFTu2ZbzTEhtm54gPj8NTJbqTT93CR1frOLGkndN3Yn0mYhujb2lbhtAi-oX-XIjkh-pUt7tMe_9wO2V23VS2NWccAdTHKhDcRkBc4Nd9vYGhGexSU-5eyWWdgmwD3YOxRLxZ36n/w200-h128/Toshiba%2032inch%20Class%20V35.jpg" title="Toshiba 32-inch Class V35 Series LED HD" width="200" /></a><br /><br /><a href="https://amzn.to/44mCh1R" rel="nofollow" target="_blank">INSIGNIA 32-inch Class F20 Series Smart HD</a> 720p Fire TV (NS-32F201NA23, 2022 Model) $89.99<br /></p><p></p><p></p><p></p><p></p><p><a href="https://amzn.to/44mCh1R" rel="nofollow" style="margin-left: 1em; margin-right: 1em;" target="_blank"><img alt="INSIGNIA 32-inch Class F20 Series Smart HD 720p Fire TV" border="0" data-original-height="458" data-original-width="679" height="135" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg3Y-rZFT6mBdqBPNLP4ea6t60CEFCaVIvTbd8Xa70796ehKf8hh2rPV2obV4Tdw5JlhV2NXsdD2mwpTtjch0Lbq16ckqMK57RY4QxoJI7fEnsOM6WG9gChZ4LYS_3LaTVlVF7hSC2OdrMaF2yVBfs_KvJYjrOOmVab4wA9F7raPp8Fzb1j3jirSZkzs_ow/w200-h135/INSIGNIA%2032inch%20Class%20F20%20Series%20Smart%20HD.jpg" title="INSIGNIA 32-inch Class F20 Series Smart HD 720p Fire TV" width="200" /></a><br /><br /></p><h2 style="text-align: left;"> <div class="separator" style="clear: both; text-align: center;"><iframe allowfullscreen="" class="BLOG_video_class" height="340" src="https://www.youtube.com/embed/jewJZ_q1m8M" width="482" youtube-src-id="jewJZ_q1m8M"></iframe></div><br /></h2><h2 style="text-align: left;"> </h2><h2 style="text-align: left;">Here are some additional details about the decision by Farmers Insurance:</h2><p><br />The affected policies were all issued through Farmers' exclusive agency distribution channel.<br />The non-renewals will take effect over several months, beginning in August 2023.</p><p><br />Customers who are affected will be notified by mail and will be given the opportunity to purchase coverage from another insurer.<br />Farmers Insurance is the third major insurer to announce that it will be exiting the Florida market in recent months.<br />The decision by Farmers Insurance is a sign that the state's property insurance market is still in a state of crisis. It is unclear what the long-term impact of this decision will be, but it is likely to make it even more difficult for homeowners to find affordable coverage.<br /><br />But what Farmers didn't specify was that sky-high claims costs, excessive lawsuit payouts and high administrative fees are the real drivers forcing insurers out of Florida. Financially struggling companies often have excessive overhead that eats into profits, leaving them vulnerable during storm seasons.<br /><br />The move comes despite changes passed by Gov. Ron DeSantis and the Legislature meant to shore up the market. But insurance rates continue to climb sharply - up 5% to 9.5% in the first quarter alone, far outpacing the national average of $1,700. Many Floridians now pay over $5,000 annually.<br /><br />Critics argue the reforms focused on the wrong issues, prioritizing culture war bills over solutions Democrats proposed like a state-run insurer and reinsurance fund.<br /><br />Farmers' exit leaves 100,000 customers searching for new coverage in a depleted market with few options and astronomical prices. Many vulnerable homeowners will likely struggle to find an affordable policy - if they can find one at all.<br /><br />For years, Florida homeowners have faced ballooning rates even as insurers raked in massive profits. As more insurers abandon the state, the onus is on DeSantis and lawmakers to finally take meaningful action that addresses the root problems driving the crisis. If not, millions more Floridians risk losing any ability to insure their homes and property.<br /><br />Floridians deserve solutions that stabilize the market and make insurance policies affordable and accessible again. It's time for Florida's leaders to step up before more insurers bail - and leave even more homeowners high and dry.</p>aarongrey112http://www.blogger.com/profile/06321255122708390713noreply@blogger.com0Miami, FL, USA25.7616798 -80.1917902-2.5485540361788459 -115.3480402 54.071913636178849 -45.0355402tag:blogger.com,1999:blog-3411124748936176382.post-76888140442668463022022-06-15T16:28:00.002-07:002022-06-15T16:33:51.875-07:00Anthony Fauci The Vac Peddler tests positive for COVID-19<p> </p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiHmw9BS6KWpm5F6eZK0l_hvr8u5TzeYtwk4EBjh2Eleo2-O4urqoL_0qYYkXae1xzoGuQMQ2Pp-PfAOS-iy6tTay0RPGzfurQPSkhYDuIJpRnSYMaeGRs5961N5pfzs-TV8uidTlB-FCoGLgKOq6wN57_MpuZDDP6od7OAkGsR4tQZfVJCfbit-VqCiQ/s2500/anthony%20fauci%20vaccine.jpg" style="margin-left: 1em; margin-right: 1em;"><img alt="anthony fauci vaccine" border="0" data-original-height="1250" data-original-width="2500" height="160" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiHmw9BS6KWpm5F6eZK0l_hvr8u5TzeYtwk4EBjh2Eleo2-O4urqoL_0qYYkXae1xzoGuQMQ2Pp-PfAOS-iy6tTay0RPGzfurQPSkhYDuIJpRnSYMaeGRs5961N5pfzs-TV8uidTlB-FCoGLgKOq6wN57_MpuZDDP6od7OAkGsR4tQZfVJCfbit-VqCiQ/w320-h160/anthony%20fauci%20vaccine.jpg" title="anthony fauci vaccine" width="320" /></a></div><p><br /><br /><br />-Dr. Anthony Fauci tested positive for COVID-19. <br /><br />Dr. Anthony Fauci after telling people to mask up, wash your hands and get vaccinated <br />has tested positive for COVID-19, according to the National Institute of Allergy and Infectious Diseases. <br /><br />Anthony is the US top infectious disease expert and he heads the National Institute of Allergy and Infectious Diseases. According to the agency he has been vaccinated and boosted twice and as of now he has mild symptoms. He will isolate and continue to work from home, according to the the statement.<br /><br />Fauci who is now 81 was appointed director of NIAID in 1984. He is currently the chief medical advisor to President Joe Biden. Under President Trump he served on the White House task force for COVID-19 and he continues to advise the federal government on its response to the pandemic.</p><p></p><p><a href="https://www.businessinsider.com/dr-anthony-fauci-tests-positive-COVID-2022-6" target="_blank">Source</a><br /><br /></p><p></p>aarongrey112http://www.blogger.com/profile/06321255122708390713noreply@blogger.com0tag:blogger.com,1999:blog-3411124748936176382.post-26047378467750036752021-01-28T05:49:00.008-08:002021-01-28T05:49:46.558-08:00Allstate life insurance unit Sold to Blackstone Group for $2.8 billion<div class="separator" style="clear: both; text-align: center;"><a href="https://1.bp.blogspot.com/-qbBN45lA8ko/YBK-saez5_I/AAAAAAAABGg/wTwIGEyx2AE8I5veIQopAsaHtQnL57gIwCLcBGAsYHQ/s680/Allstate%2Bcompany.webp" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="Allstate life insurance, company acquisition" border="0" data-original-height="510" data-original-width="680" height="240" src="https://1.bp.blogspot.com/-qbBN45lA8ko/YBK-saez5_I/AAAAAAAABGg/wTwIGEyx2AE8I5veIQopAsaHtQnL57gIwCLcBGAsYHQ/w320-h240/Allstate%2Bcompany.webp" title="Allstate life insurance, company acquisition" width="320" /></a></div><br /><p><br /><br />Blackstone Group acquired Allstate life insurance unit for $2.8 billion. Allstate Life Insurance Co. holds about 80%, or $23 billion, of Allstate’s life and annuity reserves. The companies expect to close the deal in the second half of the year.<br /><br />Allstate Life Insurance posted a net income of $467 million in 2019 but incurred a net loss of $23 million for the first nine months of 2020. The acquisition is subject to regulatory approval and could close in the second half of 2021.<br /><br />Past deals that involves financial companies, the company wants to <br />In many deals involving financial buyers, the newcomers aim to profit from investment-management fees and by savvy investments of the premiums paid by customers. Many deals have involved a basic savings product known as a fixed annuity, similar to a bank certificate of deposit.</p><p> <br /></p><p></p><p></p><p></p><p><a href="https://amzn.to/3a9Hmji" rel="nofollow" target="_blank"><b>Garden of Life Organic Extra Virgin Coconut Oil $7.99</b></a><br /><br /></p><p><a href="https://amzn.to/3a9Hmji" style="margin-left: 1em; margin-right: 1em;" target="_blank"><img alt="Garden of Life Organic Extra Virgin Coconut Oil" border="0" data-original-height="978" data-original-width="549" height="200" src="https://1.bp.blogspot.com/-ZhqvgooxTt4/YBLAXPO6pdI/AAAAAAAABGw/fH8iixmGKgsM-ZLyiFr3pMTG4gaHrUfTwCLcBGAsYHQ/w113-h200/Garden%2Bof%2BLife%2BOrganic%2BExtra%2BVirgin%2BCoconut%2BOil.jpg" title="Garden of Life Organic Extra Virgin Coconut Oil" width="113" /></a><br /><br /><a href="https://amzn.to/2MyGCMo" rel="nofollow" target="_blank">Genius Mushroom – Lions Mane, Cordyceps and Reishi</a> – Immune System Booster & Nootropic Brain Supplement $21.95<br /><br /></p><p><a href="https://amzn.to/2MyGCMo" style="margin-left: 1em; margin-right: 1em;" target="_blank"><img alt="Genius Mushroom, brain food supplement" border="0" data-original-height="1500" data-original-width="1237" height="200" src="https://1.bp.blogspot.com/-nugWdHgWUHA/YBLARCRQaYI/AAAAAAAABGs/26EeNAAYqx8V3LjEAYms7Tbqt1ZWLBmYQCLcBGAsYHQ/w165-h200/Genius%2BMushroom%2B%2BImmune%2BSystem%2BBooster.jpg" title="Genius Mushroom" width="165" /></a><br /><br /></p>aarongrey112http://www.blogger.com/profile/06321255122708390713noreply@blogger.com0tag:blogger.com,1999:blog-3411124748936176382.post-90626835024056921032020-12-30T05:08:00.001-08:002020-12-30T05:08:02.166-08:00Happy New Year! 2021<p style="text-align: center;"></p><div class="separator" style="clear: both; text-align: center;"><a href="https://1.bp.blogspot.com/-U_larGrHvkw/X-sqqmbtbfI/AAAAAAAABGA/sN_UJw92_xcLCMn4lzpokM-dGku2yYyzQCLcBGAsYHQ/s1200/Happy%2BNew%2BYear%2B12.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="happy new year messages 2021, New Year Wishes, 2021 Coronavirus New Year Wishes" border="0" data-original-height="1200" data-original-width="1200" height="320" src="https://1.bp.blogspot.com/-U_larGrHvkw/X-sqqmbtbfI/AAAAAAAABGA/sN_UJw92_xcLCMn4lzpokM-dGku2yYyzQCLcBGAsYHQ/w320-h320/Happy%2BNew%2BYear%2B12.jpg" title="happy new year messages 2021, New Year Wishes, 2021 Coronavirus New Year Wishes" width="320" /></a></div><br /> <p></p><p style="text-align: center;"><b>Wishing you a very joyful New Year despite these difficult times. We really wish things were different and that we could visit our friends and loved ones! We hope that the new year brings your family much happiness and prosperity, and that in time the world will be a safe place again. Happy New Year! I hope all your endeavors in 2021 are successful.</b><br /></p>aarongrey112http://www.blogger.com/profile/06321255122708390713noreply@blogger.com0tag:blogger.com,1999:blog-3411124748936176382.post-51005396466614671552020-12-22T06:06:00.001-08:002020-12-22T06:06:04.222-08:00Merry Christmas! 2020<p> </p><div class="separator" style="clear: both; text-align: center;"><a href="https://1.bp.blogspot.com/-yr4kK-EPpkM/X-H9PxPM_fI/AAAAAAAABFs/Rrv_SkH3c4se85z8Xnhm7sLRUB7i5TeKACLcBGAsYHQ/s2048/Christmas%2Bdeco.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="Merry Christmas! 2020" border="0" data-original-height="1280" data-original-width="2048" height="200" src="https://1.bp.blogspot.com/-yr4kK-EPpkM/X-H9PxPM_fI/AAAAAAAABFs/Rrv_SkH3c4se85z8Xnhm7sLRUB7i5TeKACLcBGAsYHQ/w320-h200/Christmas%2Bdeco.jpg" title="Merry Christmas! 2020" width="320" /></a></div><br /><p></p><p style="text-align: center;"><b>I hope your holiday season is full of peace, joy, and happiness. Merry Christmas! May God's love be with you.</b><br /></p>aarongrey112http://www.blogger.com/profile/06321255122708390713noreply@blogger.com0tag:blogger.com,1999:blog-3411124748936176382.post-12392444875376908382020-10-28T07:11:00.002-07:002020-10-28T07:11:16.447-07:00 Happy Halloween 2020 to Everyone!!!<p style="text-align: center;">Happy Howl-o-ween! No matter were you are on October 31, I’m sure you will wolf down a lot of candy. Wishing you a spook-tacular Halloween, despite the craziness! </p><p style="text-align: center;"><br /></p><div class="separator" style="clear: both; text-align: center;"><a href="https://1.bp.blogspot.com/-T0Yh15xJ6VI/X5l7-KLVznI/AAAAAAAABFI/SgNHAT8mGY0T5rjgih72fEtTtyfq4ZNawCLcBGAsYHQ/s1600/Halloween%2B2020%2Bf.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="Halloween, Happy Halloween 2020, Halloween greetings" border="0" data-original-height="900" data-original-width="1600" height="180" src="https://1.bp.blogspot.com/-T0Yh15xJ6VI/X5l7-KLVznI/AAAAAAAABFI/SgNHAT8mGY0T5rjgih72fEtTtyfq4ZNawCLcBGAsYHQ/w320-h180/Halloween%2B2020%2Bf.jpg" title="Halloween, Happy Halloween 2020, Halloween greetings" width="320" /></a></div><br /><p style="text-align: center;"><br /></p>aarongrey112http://www.blogger.com/profile/06321255122708390713noreply@blogger.com0tag:blogger.com,1999:blog-3411124748936176382.post-44935367530951728892020-10-07T06:50:00.002-07:002020-10-07T06:51:27.901-07:00 Billionaires' Keeps On Amassing Wealth Even on a Covid19 Pandemic<br /><div class="separator" style="clear: both; text-align: center;"><a href="https://1.bp.blogspot.com/-RABVd2Kd4do/X33GsY3FgiI/AAAAAAAABEk/BI4ZYv8KlCEgvIsGB40pMiOXp8OTTkA9wCLcBGAsYHQ/s1823/Jeff%2BBezos%2Blaughing%2Bat%2Beveryone.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="Laughing Jeff Bezos" border="0" data-original-height="1215" data-original-width="1823" height="213" src="https://1.bp.blogspot.com/-RABVd2Kd4do/X33GsY3FgiI/AAAAAAAABEk/BI4ZYv8KlCEgvIsGB40pMiOXp8OTTkA9wCLcBGAsYHQ/w320-h213/Jeff%2BBezos%2Blaughing%2Bat%2Beveryone.jpg" title="money, billionaires, superrich, ultrarich" width="320" /></a></div><p>According to a research done by Swiss bank UBS and PwC (Accounting firm) the world's billionaire has added $10.2 trillion between April and July this year that is more than the $8 trillion at the start of April despite the Covid19 Pandemic where millions of people worldwide lost their jobs or were struggling to get by on government help. This data shows that their wealth increase by 27.5% which is more than the previous peak of $8.9 trillion recorded at the end of 2017.<br /><br />UBS’s global family office department Josef Stadler said that "Billionaires did extremely well during the Covid crisis, not only ride the storm to the downside, but also gained up on the upside [as stock markets rebounded]." He added that the super-rich were able to benefit from the crisis because they had “the stomach” (or obviously money) to buy more company shares when equity markets around the world were crashing. Global stock markets have since rebounded making up much of the losses. The shares in some technology companies which are often owned by billionaires have risen very sharply. <br /><br />The Billionaires are getting even richer despite the pandemic is a sign that capitalism isn’t working as it should. Stadler further said that the "fact that billionaire wealth had increased so much at a time when hundreds of millions of people around the world are struggling could lead to public and political anger."<br /><br />As of now the richest person in the world according to Forbes is https://www.forbes.com/real-time-billionaires/#50c461003d78 Jeff Bezos, the founder and chief executive of Amazon, with $186bn followed by Bernard Arnault & family which owns the LVMH Moet Hennessy Louis Vuitton at $117bn. Bill Gates of Microsoft comes in third with $115.8bn, Mark Zuckerberg in 4th with $96.8bn and Elon Musk, the maverick founder of electric car company Tesla at 5th place with $87.9bln. <br /><br /><a href="https://www.cnbc.com/2020/10/07/coronavirus-billionaire-wealth-hits-record-high-of-10point2-trillion.html" rel="nofollow" target="_blank">source </a><br /><br /><br /><br /><br /><a href="https://amzn.to/30JycGe" style="margin-left: 1em; margin-right: 1em;"><img alt="Halloween Decorations Outdoo" border="0" data-original-height="1500" data-original-width="1500" height="200" src="https://1.bp.blogspot.com/-lsl5npa4QLU/X33GrOU-vMI/AAAAAAAABEc/Yr0R4orawXctA1yw8m-VdvaYqGle2HWOQCLcBGAsYHQ/w200-h200/Halloween%2BDecorations%2BOutdoor.jpg" title="Halloween Decorations Outdoo" width="200" /></a><br /><br /><a href="https://amzn.to/30JycGe" rel="nofollow" target="_blank">Halloween Decorations Outdoor ,Trick or Treat & Halloween Signs for Front Door or Indoor Home Decor, Halloween Welcome Signs</a><br /><br /><br /><a href="https://amzn.to/2SwyMCO" style="margin-left: 1em; margin-right: 1em;"><img alt="Family Feeling Zebra Little and Big Girls 2 Piece 100% Cotton Pajamas Sets Kids Pjs" border="0" data-original-height="445" data-original-width="326" height="200" src="https://1.bp.blogspot.com/-a5aP9IpfQBk/X33GrBi68SI/AAAAAAAABEY/lxbAchvmxowEnpnA6d7DiM4FfzzSiw-vwCLcBGAsYHQ/w146-h200/Cotton%2BPajamas%2BSets%2BKids%2BPjs.webp" title="Family Feeling Zebra Little and Big Girls 2 Piece 100% Cotton Pajamas Sets Kids Pjs" width="146" /></a><a href="https://amzn.to/2SwyMCO" style="margin-left: 1em; margin-right: 1em;"><img alt="Family Feeling Zebra Little and Big Girls 2 Piece 100% Cotton Pajamas Sets Kids Pjs" border="0" data-original-height="248" data-original-width="448" height="111" src="https://1.bp.blogspot.com/-wgE88VMum3g/X33GrMvitPI/AAAAAAAABEg/_KEkQVBDgMYROnZeV1fq3VnkGG-JvvPJgCLcBGAsYHQ/w200-h111/Family%2BFeeling%2BZebra%2BLittle%2Band%2BBig%2BGirls%2B2%2BPiece.png" title="Family Feeling Zebra Little and Big Girls 2 Piece 100% Cotton Pajamas Sets Kids Pjs" width="200" /></a><a href="https://1.bp.blogspot.com/-a5aP9IpfQBk/X33GrBi68SI/AAAAAAAABEY/lxbAchvmxowEnpnA6d7DiM4FfzzSiw-vwCLcBGAsYHQ/s445/Cotton%2BPajamas%2BSets%2BKids%2BPjs.webp" style="margin-left: 1em; margin-right: 1em;"></a><br /><a href="https://amzn.to/2SwyMCO" rel="nofollow" target="_blank">Family Feeling Zebra Little and Big Girls 2 Piece 100% Cotton Pajamas Sets Kids Pjs</a><br /><br /><br /><a href="https://1.bp.blogspot.com/-UeMaeJcWqlE/X33Gso9WOPI/AAAAAAAABEo/Dg9bMphEAcofCOQwihEeQdxWpz9TxOmGgCLcBGAsYHQ/s1436/Woplagyreat%2BCloth%2BCover%2BDesign%2BWashable%2B%2526%2BReusable%2BCover%2Bfor%2BWearing.jpg" style="margin-left: 1em; margin-right: 1em;"><img alt="Woplagyreat Cloth Mouth Cover Design Washable & Reusable Cover for Wearing" border="0" data-original-height="1436" data-original-width="947" height="200" src="https://1.bp.blogspot.com/-UeMaeJcWqlE/X33Gso9WOPI/AAAAAAAABEo/Dg9bMphEAcofCOQwihEeQdxWpz9TxOmGgCLcBGAsYHQ/w132-h200/Woplagyreat%2BCloth%2BCover%2BDesign%2BWashable%2B%2526%2BReusable%2BCover%2Bfor%2BWearing.jpg" title="Woplagyreat Cloth Mouth Cover Design Washable & Reusable Cover for Wearing" width="132" /></a><br /><a href="https://amzn.to/2SC6TJH" rel="nofollow" target="_blank">Woplagyreat Cloth Mouth Cover Design Washable & Reusable Cover for Wearing </a><br /><br /><br /><a href="https://amzn.to/2SwcEZo" rel="nofollow" target="_blank"><b>Halloween Decorations Clearance Sale Here</b></a><br /><br /><br /></p>aarongrey112http://www.blogger.com/profile/06321255122708390713noreply@blogger.com0tag:blogger.com,1999:blog-3411124748936176382.post-67115244350633179522020-08-19T07:04:00.004-07:002020-08-19T07:04:40.330-07:00If Your Car is Financed You Need Full Insurance Coverage<div class="separator" style="clear: both; text-align: center;">
<a href="https://1.bp.blogspot.com/-8Wx0VJZSF-c/Xz0w1CUPPpI/AAAAAAAABDg/b290bSA-piAz-LEMTkH_8ZRWOwItGKtGgCLcBGAsYHQ/s1600/car%2Binsurance.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="450" data-original-width="800" height="180" src="https://1.bp.blogspot.com/-8Wx0VJZSF-c/Xz0w1CUPPpI/AAAAAAAABDg/b290bSA-piAz-LEMTkH_8ZRWOwItGKtGgCLcBGAsYHQ/s320/car%2Binsurance.jpg" width="320" /></a></div>
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State's requires you to meet the minimum liability insurance coverage to legally drive your car, however if you have a car loan you will need to have full insurance coverage:<br />
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<b>Liability insurance</b> – helps pay for the other person's expenses in accidents you cause.<br />
<b>Collision insurance</b> – pays for damage to your car regardless of who caused the accident<br />
<b>Comprehensive insurance </b>– pays for damage to your car from flooding, hail, fire, vandalism, falling objects or animal collisions, and also covers theft<br />
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If you are unable to have the required full coverage on a financed car it will violate your finance contract and the lender may force you to pay for single interest coverage which protects the bank from loss or damage to personal property that is the collateral for loans. It is expensive and does not provide any coverage for you.<br />
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Do you need to match the value of the vehicle for liability coverage for a financed car?</h3>
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No, liability insurance has nothing to do with the value of your vehicle. It is for repair of another person’s property or for their medical bills if you are found responsible for causing the damage or injuries. The cost for liability insurance is based on a number of different factors that includes the cost of your coverage. The higher your coverage limit, the more you’ll likely pay for liability insurance. <br />
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<a href="https://amzn.to/3iUt8FF" style="margin-left: 1em; margin-right: 1em;" target="_blank"><img alt="Car Jump Starter kit" border="0" data-original-height="1421" data-original-width="1450" height="195" src="https://1.bp.blogspot.com/-ygSiTihZ5bw/Xz0w0hwjgYI/AAAAAAAABDY/Jl57FXjvdhU_UanG3-HTjT1OgoiS2DKdgCLcBGAsYHQ/s200/TACKLIFE%2BT8%2B800A.jpg" title="TACKLIFE T8 800A Peak 18000mAh Car Jump Starter" width="200" /></a><br />
<a href="https://amzn.to/3iUt8FF" rel="nofollow" target="_blank">TACKLIFE T8 800A Peak 18000mAh Car Jump Starter (up to 7.0L Gas, 5.5L Diesel Engine) with LCD Screen, USB Quick Charge, 12V Auto Battery Booster, Portable...</a><br /><br /><a href="https://amzn.to/2CGC8yV" style="margin-left: 1em; margin-right: 1em;" target="_blank"><img alt="cleaning kit for your car air filter" border="0" data-original-height="1020" data-original-width="1028" height="198" src="https://1.bp.blogspot.com/-Aygqk3JgIm4/Xz0w0EacnQI/AAAAAAAABDU/9hqn9x46k9IPQ8FlabaG980L3YBQYwt9gCLcBGAsYHQ/s200/K%2526N%2BAir%2BFilter%2BCleaning%2BKit.jpg" title="K&N Air Filter Cleaning Kit" width="200" /></a><br /><a href="https://amzn.to/2CGC8yV" rel="nofollow" target="_blank">K&N Air Filter Cleaning Kit: Aerosol Filter Cleaner and Oil Kit; Restores Engine Air Filter Performance; Service Kit-99-5000 </a><br /><br /><a href="https://amzn.to/3iUme3f" style="margin-left: 1em; margin-right: 1em;" target="_blank"><img alt="prevent bugs on windshield" border="0" data-original-height="1500" data-original-width="925" height="200" src="https://1.bp.blogspot.com/-LFTSrm8ClEg/Xz0w09jvKaI/AAAAAAAABDc/EVDfB07J5xwuIOdI8rbFJ90tWJ8jkbf3gCLcBGAsYHQ/s200/Prestone%2BAS657%2BBug%2BWash%2BWindshield%2BWasher%2BFluid.jpg" title="Prestone AS657 Bug Wash Windshield Washer Fluid" width="123" /></a><br /><a href="https://amzn.to/3iUme3f" rel="nofollow" target="_blank">Prestone AS657 Bug Wash Windshield Washer Fluid, 128 Ounces (1 Gallon) </a><br /><br />
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<br />aarongrey112http://www.blogger.com/profile/06321255122708390713noreply@blogger.com0tag:blogger.com,1999:blog-3411124748936176382.post-45024421556762175982020-07-16T07:20:00.000-07:002020-07-16T07:20:40.118-07:00How To Get Health Insurance If You Are Jobless?<div class="separator" style="clear: both; text-align: center;">
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<br /><br /><br />The number of employed people as a percentage of the U.S. adult population plunged to 52.8% in May as the coronavirus pandemic ravage the labor market that resulted to Americans losing their health insurance. It is important to look for health insurance coverage as quickly as possible and you don't want to remain uninsured under a pandemic. <br /><br />Here’s how to get health coverage while unemployed:<br /><br />1. Contact your employment's human resources department and ask when your health coverage technically ends.<br /><br />2. If you have a diagnosed condition, for example cancer, lupus or diabetes, you may be able to get support deciding on and enrolling in a plan with the National Patient Advocate Foundation https://www.patientadvocate.org/connect-with-services/case-management-services-and-medcarelines/<br /><br />3. If you have been recently laid off and uninsured, you have three options: COBRA https://www.dol.gov/general/topic/health-plans/cobra, the Affordable Care Act subsidized marketplace https://www.healthcare.gov/?gclid=EAIaIQobChMIgbGyk7276gIVBZSzCh1ZsgD4EAAYAiAAEgJb5PD_BwEor a public plan like Medicaid https://www.usa.gov/medicaid or Medicare https://www.medicare.gov/.<br /><br />COBRA, or the Consolidated Omnibus Budget Reconciliation Act, allows people who work at companies with 20 or more employees to pay to continue their workplace insurance plan for certain periods of time. It comes with a high price about $600 monthly on average since you’re now paying the cost of the entire plan. You have 60 days from the loss of your job to sign up for COBRA. You need to make sure that you have the money set aside for this plan. <br /><br />ACA marketplace can give you some affordable options. However, there are some plans on the marketplace that will be costly, especially if you’re newly unemployed.<br /><br />If you don't have money you can still turn to Medicaid. Medicaid has zero premiums in most states, so if cost is a problem Medicaid should be the preferred option. Medicaid eligibility is based on monthly income so even a short-run decline in income should make someone eligible for Medicaid for those months.<br /><br />If you were on your employer’s plan and are over the age of 65, now might be the time to sign up for Medicare. <br /><br />4.If your spouse still has a job and the company offers family coverage, you can request to join their group health plan. However, you typically have to do this within 30 days. Depending on where you live, you can access either the federal marketplace or your state marketplace. Losing your job will qualify you for a special enrollment period for either option. The enrollment window here lasts 60 days. <br /><br /><br /><a href="https://amzn.to/3jbUatl" style="margin-left: 1em; margin-right: 1em;" target="_blank"><img alt="Twinkle Star 300 LED Window Curtain String Light Wedding Party " border="0" data-original-height="1001" data-original-width="1001" height="200" src="https://1.bp.blogspot.com/-Bo4J3X1NzDE/XxBhr4m0b7I/AAAAAAAABCo/cwXoRNpZCAIsA29ZWpJwNtCa5VboEz-dgCLcBGAsYHQ/s200/Twinkle%2BStar%2B300%2BLED%2BWindow%2BCurtain%2BString.jpg" title="Twinkle Star 300 LED Window Curtain String Light Wedding Party " width="200" /></a><br /><br /><a href="https://amzn.to/3jbUatl" rel="nofollow" target="_blank">Twinkle Star 300 LED Window Curtain String Light Wedding Party Home Garden Bedroom Outdoor Indoor Wall Decorations, Warm White </a><br /><br /><a href="https://amzn.to/392s0vV" style="margin-left: 1em; margin-right: 1em;" target="_blank"><img alt="Inflatable Splash Pad Sprinkler for Kids Toddlers, Kiddie Baby Pool " border="0" data-original-height="500" data-original-width="500" height="200" src="https://1.bp.blogspot.com/-LnEMffHhK1g/XxBhr7REnwI/AAAAAAAABCk/aNTHbrcQnOg97GTsT2qh_D590vENvtc7gCLcBGAsYHQ/s200/Inflatable%2BSplash%2BPad%2BSprinkler%2Bfor%2BKids%2BToddlers.jpg" title="Inflatable Splash Pad Sprinkler for Kids Toddlers, Kiddie Baby Pool " width="200" /></a><br /><a href="https://amzn.to/392s0vV" rel="nofollow" target="_blank">Inflatable Splash Pad Sprinkler for Kids Toddlers, Kiddie Baby Pool </a><br /><br /><a href="https://amzn.to/2WqFLiY" style="margin-left: 1em; margin-right: 1em;" target="_blank"><img alt="Ekouaer Women's Active Performance Skort" border="0" data-original-height="350" data-original-width="253" height="200" src="https://1.bp.blogspot.com/-DuOT7aE2YXU/XxBhrZbXn-I/AAAAAAAABCg/kWCYb7FcXV8ISanvPvdggOsAKLPXGmrIwCLcBGAsYHQ/s200/Ekouaer%2BWomen%2527s%2BActive%2BPerformance%2BSkort%2BLightweight%2BSkirt.png" title="Ekouaer Women's Active Performance Skort" width="144" /></a><br /><a href="https://amzn.to/2WqFLiY" rel="nofollow" target="_blank">Ekouaer Women's Active Performance Skort Lightweight Skirt for Running Tennis Golf Workout Sports </a><br /><br />aarongrey112http://www.blogger.com/profile/06321255122708390713noreply@blogger.com0tag:blogger.com,1999:blog-3411124748936176382.post-8163389934268142232020-06-08T07:11:00.000-07:002020-06-08T07:11:25.714-07:00Insurance Company in New York Wants Double Digit Rate Increase in 2021<div class="separator" style="clear: both; text-align: center;">
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<br /><br />According to a news report, insurance companies in New York wants an average rate hike of 11.7% next year (2021) their reason is the increasing cost of the coronavirus pandemic. <br /><br />The state Department of Financial Services posted the proposed rate hike on its website that can be seen <span id="goog_1005739872"></span><a href="https://www.blogger.com/">here<span id="goog_1005739873"></span></a>. <br /><br />The insurance companies are asking for an increase ranging from 19% for the Manhattan-based Oscar to 1.5% for Excellus, the Rochester-based insurer. Two insurers, IHBC and Healthnow New York, are proposing decreases in rates of 1.9% and 3.7% respectively. For small-group insurance, the companies proposed a similar 11.4% average rate increase. The New York Health Plan Association, which represents insurers, said that the proposed 2021 premium rate requests “reasonable and fair.” According to them the proposed rate hike are needed to address rises in health-care costs, but also to the needs due to COVID-19<br /><br />“From the outset and throughout the continuing coronavirus crisis, New York’s health plans have made extraordinary efforts to meet the needs of consumers, businesses and our health care partners,” Eric Linzer, the group's president, said in a statement.<br /><br />“This has included waiving copayments and cost sharing for COVID-19 testing, telehealth services and mental health services for essential workers," he said, "and providing cash advances and other support to hospitals, physician practices and others in the delivery system to address the financial uncertainty they’re facing."<br />
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<a href="https://amzn.to/2XGGfT6" style="margin-left: 1em; margin-right: 1em;" target="_blank"><img alt="closet, bins, storage black" border="0" data-original-height="1500" data-original-width="1232" height="200" src="https://1.bp.blogspot.com/-5u_DnAK3khY/Xt5FXKiUWxI/AAAAAAAABBw/kcR3Nan0B6EwSqJMW2q5JSsizOHO3G6WACLcBGAsYHQ/s200/AmazonBasics%2BCloset%2BStorage%2BOrganizer%2Bwith%2BBins%2Band%2BShelving.jpg" title="AmazonBasics Closet Storage Organizer with Bins and Shelving" width="163" /></a><br />
<a href="https://amzn.to/2XGGfT6" rel="nofollow" target="_blank">AmazonBasics Closet Storage Organizer with Bins and Shelving $24.99</a> <br /><br /><br /><a href="https://amzn.to/3h7UKHi" style="margin-left: 1em; margin-right: 1em;" target="_blank"><img alt="Foot Spa" border="0" data-original-height="1000" data-original-width="1000" height="200" src="https://1.bp.blogspot.com/-3dv5_OD6rog/Xt5FXAm3kHI/AAAAAAAABBs/iayNhCUnB1ASIKZFs8VuYis6ihK_wAujwCLcBGAsYHQ/s200/Foot%2BSpa%2BBath%2BMassager%2Bwith%2BBubbles%2Band%2BLights.jpg" title="Foot Spa" width="200" /></a><br /><a href="https://amzn.to/3h7UKHi" target="_blank">Foot Spa/Bath Massager with Bubbles and Lights Foot Spa/Bath Massager with Bubbles and Lights $89.99</a><br /><br /><br /><a href="https://amzn.to/3h4MOqr" style="margin-left: 1em; margin-right: 1em;" target="_blank"><img alt="Spin Mop" border="0" data-original-height="1000" data-original-width="798" height="200" src="https://1.bp.blogspot.com/-50aKq3n3xq4/Xt5FWKOjKwI/AAAAAAAABBo/J0TIDbQpdHoD6P8YI-7ufrtO4qgkgJlOACLcBGAsYHQ/s200/O-Cedar%2BEasyWring%2BMicrofiber%2BSpin%2BMop.jpg" title="Spin Mop" width="159" /></a><br /><a href="https://amzn.to/3h4MOqr" target="_blank">O-Cedar EasyWring Microfiber Spin Mop, Bucket Floor Cleaning System</a><br /><br />Insurers in New York submitted their proposed rate increases for 2021. Now the state Department of Financial Services will decide this summer whether to approve them or lower them:<br /><br /><br />Company Name 2021 Requested Rate Change<br />CDPHP* 4.3%<br />Emblem (HIP)* 9.5%<br />Excellus* 1.5%<br />Fidelis (New York Quality Healthcare Corp)* 18.8%<br />Healthfirst Insurance Company, Inc. 1.8%<br />Healthfirst PHSP, Inc.* 2.4%<br />Healthnow New York* -1.9%<br />HealthPlus HP, LLC (Formerly Empire)* 16.6%<br />IHBC* -3.7%<br />MetroPlus* 9.6%<br />MVP Health Plan* 6.7%<br />Oscar* 19.1%<br />UnitedHealthcare of New York Inc* 13.8%<br />Weighted Average 11.7%<br />
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<br />aarongrey112http://www.blogger.com/profile/06321255122708390713noreply@blogger.com0tag:blogger.com,1999:blog-3411124748936176382.post-86974843026639725412020-05-12T07:15:00.001-07:002020-05-12T07:15:03.980-07:00IRS stimulus check! IRS deadline for People to give banking information<h4>
How do you get your stimulus check? </h4>
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<a href="https://1.bp.blogspot.com/-4wRKcSxA2OA/Xrqto1Bp1cI/AAAAAAAABAQ/Jb3dUNWwEA0zfKb6TH_JAYvC74dojCFagCLcBGAsYHQ/s1600/economic%2Bimpact%2Bpayment.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="coronavirus stimulus check" border="0" data-original-height="558" data-original-width="992" height="180" src="https://1.bp.blogspot.com/-4wRKcSxA2OA/Xrqto1Bp1cI/AAAAAAAABAQ/Jb3dUNWwEA0zfKb6TH_JAYvC74dojCFagCLcBGAsYHQ/s320/economic%2Bimpact%2Bpayment.jpg" title="coronavirus stimulus check" width="320" /></a></div>
<br />In order to receive your coronavirus stimulus check through your bank, if you are eligible you need to submit your banking information on the IRS website's "<a href="https://www.irs.gov/coronavirus/get-my-payment" rel="nofollow" target="_blank"><b>Get My Payment</b></a>" page. You need to update it before 12 o'clock nooon Wednesday, May 13, 2020.<br /><br />IRS Commissioner Chuck Rettig said: “We’re working hard to get more payments quickly to taxpayers. We want people to visit Get My Payment before the noon Wednesday deadline so they can provide their direct deposit information. Time is running out for a chance to get these payments several weeks earlier through direct deposit.”<br /><br />There are about 130 million recipients have already received payments amounting to $200 billion, according to IRS. They will start the process of sending paper checks, expected to arrive by mail to millions of people in late May and June.<br /><br />You can also check the status of your payment on the "Get My Payment page", on the IRS website. <br /><br />In order to track the status of your payment, you will need to enter the following information:<br />
<ul>
<li>Social Security Number</li>
<li>Date of birth</li>
<li>Mailing address</li>
</ul>
<br />To add your bank account information that will speed up the receipt of your payment, you will need to provide the following additional information:<br /><br />
<ul>
<li>Their Adjusted Gross Income from their most recent tax return submitted, either 2019 or 2018</li>
<li>The refund or amount owed from their latest filed tax return</li>
<li>Bank account type, account and routing numbers</li>
</ul>
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<a href="https://amzn.to/35RZgoh" style="margin-left: 1em; margin-right: 1em;" target="_blank"><img alt="Hotouch Nightgown Womens Cotton Night Shirt" border="0" data-original-height="550" data-original-width="309" height="200" src="https://1.bp.blogspot.com/-4o9RCpsZrSY/XrqvCO8XR6I/AAAAAAAABAg/nU6WoU4bRJYjPU56YaqdnDsQUp0CdAyygCLcBGAsYHQ/s200/Hotouch%2BNightgown%2BWomens.jpg" title="Hotouch Nightgown Womens Cotton Night Shirt" width="111" /></a><br />
<a href="https://amzn.to/35RZgoh" rel="nofollow" target="_blank">Hotouch Nightgown Womens Cotton Night Shirt for Sleeping Sleepwear Short Sleeve Cute Print Sleep Shirts $11.99 - $24.99</a><br /><br /><br /><a href="https://amzn.to/2SWZN35" style="margin-left: 1em; margin-right: 1em;" target="_blank"><img alt="𝗞𝗶𝗻𝗱𝗲𝗿 𝗙𝗹𝘂𝗳𝗳 Car window shade" border="0" data-original-height="768" data-original-width="1000" height="153" src="https://1.bp.blogspot.com/-sQilZgTX6IE/XrqvCPKsljI/AAAAAAAABAk/3uPWtVf89ScoqiouII_-_Gmv-0HoF2ARACLcBGAsYHQ/s200/%25F0%259D%2597%259E%25F0%259D%2597%25B6%25F0%259D%2597%25BB%25F0%259D%2597%25B1%25F0%259D%2597%25B2%25F0%259D%2597%25BF%2B%25F0%259D%2597%2599%25F0%259D%2597%25B9%25F0%259D%2598%2582%25F0%259D%2597%25B3%25F0%259D%2597%25B3%2BCar%2Bwindow%2Bshade.jpg" title="𝗞𝗶𝗻𝗱𝗲𝗿 𝗙𝗹𝘂𝗳𝗳 Car window shade" width="200" /></a><br /><a href="https://amzn.to/2SWZN35" rel="nofollow" target="_blank">𝗞𝗶𝗻𝗱𝗲𝗿 𝗙𝗹𝘂𝗳𝗳 Car window shade (4px)- $11.87</a><br /><br /><a href="https://amzn.to/2SY9bDs" style="margin-left: 1em; margin-right: 1em;" target="_blank"><img alt="Twinkle Star 300 LED Window Curtain" border="0" data-original-height="1001" data-original-width="1001" height="200" src="https://1.bp.blogspot.com/-HCtB6e0SCSg/XrqvB9E7y6I/AAAAAAAABAc/BlrKK94E9gE0AAu2yo7sd6BCEmBeQIVMACLcBGAsYHQ/s200/Twinkle%2BStar%2B300%2BLED%2BWindow%2BCurtain.jpg" title="Twinkle Star 300 LED Window Curtain" width="200" /></a><br /><a href="https://amzn.to/2SY9bDs" rel="nofollow" target="_blank">Twinkle Star 300 LED Window Curtain String Light for Wedding Party Home Garden Bedroom Outdoor Indoor Wall Christmas Decoration $13.59 </a><br /><br /><br />
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aarongrey112http://www.blogger.com/profile/06321255122708390713noreply@blogger.com0tag:blogger.com,1999:blog-3411124748936176382.post-2910413865354128702020-04-24T07:07:00.001-07:002020-04-24T07:07:13.790-07:00Scary News About Coronavirus: Some Recovered Patients Testing Positive Again<div class="separator" style="clear: both; text-align: center;">
<a href="https://1.bp.blogspot.com/-GzhM53wYDCc/XqLx90X7iEI/AAAAAAAAA_4/NS2jlhQ3KfQYntDqUOEMh_G1La1lmg8JwCLcBGAsYHQ/s1600/covid19.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="Coronavirus, Covid 19, Wuhan virus, kung flu" border="0" data-original-height="168" data-original-width="300" src="https://1.bp.blogspot.com/-GzhM53wYDCc/XqLx90X7iEI/AAAAAAAAA_4/NS2jlhQ3KfQYntDqUOEMh_G1La1lmg8JwCLcBGAsYHQ/s1600/covid19.jpg" title="Coronavirus" /></a></div>
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<br />Experts are baffled why some coronavirus patients who have already recovered are testing positive again after weeks. <br /><br />In Wuhan, China doctors reported that there are some patients that have fully recovered and already tested negative after recovering from the illness, suddenly are testing positive again without symptoms and some of them were testing positive again after 70 days of being cleared according to a report from Reuters https://www.reuters.com/article/us-health-coronavirus-china-patients-ins/recovered-almost-chinas-early-patients-unable-to-shed-coronavirus-idUSKCN2240HI. This is not only happening in China since there are also reported incidents in South Korea, Japan and Italy. <br /><br />In South Korea a Reuters report https://www.reuters.com/article/us-health-coronavirus-southkorea-idUSKCN21V0JQ, said that at least 116 people have already recovered from novel coronavirus have tested positive for the virus again. Some health experts said that there is a possibility of testing errors and releasing patients from hospitals too early as more likely to be the cause of recovered patients testing positive again. In Italy, health officials said patients could test positive for more than a month. There are cases in Italy involving people with mild or no symptoms who continued to test positive long after the two-week standard according to this report. https://www.thedailybeast.com/why-do-italians-test-positive-after-symptoms-are-long-gone<br /><br /><br /><a href="https://amzn.to/2KyjXeV" style="margin-left: 1em; margin-right: 1em;" target="_blank"><img alt="SmartLab Toys All Natural Spa Lab Sale Deal:" border="0" data-original-height="1289" data-original-width="1500" height="171" src="https://1.bp.blogspot.com/-EfxdUdLUL3I/XqLx9TKCLVI/AAAAAAAAA_0/HO0dCTytMPg5VE2jhuP03QlPqMf_qH9QwCLcBGAsYHQ/s200/SmartLab%2BToys%2BAll%2BNatural%2BSpa%2BLab.jpg" title="SmartLab Toys All Natural Spa Lab Sale Deal:" width="200" /></a><br /><br /><a href="https://amzn.to/2KyjXeV" rel="nofollow" target="_blank">SmartLab Toys All Natural Spa Lab Sale Deal: $11.92 </a> <br /><br /><a href="https://amzn.to/3cL24G4" style="margin-left: 1em; margin-right: 1em;" target="_blank"><img alt="MAJESTIC PURE Shea Butter Shampoo and Conditioner " border="0" data-original-height="1500" data-original-width="1500" height="200" src="https://1.bp.blogspot.com/--5cZl3NYRsk/XqLx83huI-I/AAAAAAAAA_s/2HdWai8YBUM1xEeYMTKjYllFjRFpgUwMgCLcBGAsYHQ/s200/MAJESTIC%2BPURE%2BShea%2BButter%2BShampoo%2Band%2BConditioner.jpg" title="MAJESTIC PURE Shea Butter Shampoo and Conditioner " width="200" /></a><br />MAJESTIC PURE Shea Butter Shampoo and Conditioner $20.82<br /><br />
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<a href="https://amzn.to/3azwGbR" style="margin-left: 1em; margin-right: 1em;" target="_blank"><img alt="MUZUO Fire Hydrant Steam Diverter" border="0" data-original-height="1500" data-original-width="1500" height="320" src="https://1.bp.blogspot.com/-TDCUdEj1pXk/XqLx9Y0r05I/AAAAAAAAA_w/aiMHxH8oba4KC-uLhMhW1eIp4_eppTpPwCLcBGAsYHQ/s320/MUZUO%2BFire%2BHydrant%2BSteam%2BDiverter.jpg" title="MUZUO Fire Hydrant Steam Diverter" width="320" /></a><br /><a href="https://amzn.to/3azwGbR" rel="nofollow" target="_blank">MUZUO Fire Hydrant Steam Diverter $8.49</a><br /><br />aarongrey112http://www.blogger.com/profile/06321255122708390713noreply@blogger.com0tag:blogger.com,1999:blog-3411124748936176382.post-74254462988106897442020-04-05T05:12:00.002-07:002020-04-05T05:12:36.464-07:00Viral Pandemic Coronavirus Insurance<div class="separator" style="clear: both; text-align: center;">
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<a href="https://1.bp.blogspot.com/-E1u-kJJfoW4/XonDYUrjpcI/AAAAAAAAA_E/70hv1ZkYilc9tfp09c0uZ4t9MDjcrc--gCLcBGAsYHQ/s1600/Close%2BBusiness%2BCoronavirus%2BLockdown.jpg" style="margin-left: 1em; margin-right: 1em;"><img alt="small business closure pandemic coronavirus" border="0" data-original-height="640" data-original-width="960" height="213" src="https://1.bp.blogspot.com/-E1u-kJJfoW4/XonDYUrjpcI/AAAAAAAAA_E/70hv1ZkYilc9tfp09c0uZ4t9MDjcrc--gCLcBGAsYHQ/s320/Close%2BBusiness%2BCoronavirus%2BLockdown.jpg" title="small business closure pandemic coronavirus" width="320" /></a></div>
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<br />All across the country non-essential business are shuttered because of Stay Home Stay Safe executive order to slow down the coronavirus crisis, and most small businesses are thinking of “Business Interruption Insurance” claim. This is insurance coverage that replaces business income lost in a disaster. However, according to a report from <a href="https://www.washingtonpost.com/business/2020/04/02/insurers-knew-damage-viral-pandemic-could-wreak-businesses-so-they-excluded-coverage/" target="_blank">Washington Post</a> majority of the businesses will be disappointed because of policy changes made after the 2002-2003 SARS outbreak. Insurance companies learned that the SARS outbreak which affected countries in Asia led to millions of dollars in business-interruption insurance claims. <br /><br />Because of this event, many insurers added exclusions to standard commercial policies for losses caused by viruses or bacteria. Now is the time to review your policy. With this added policy language insurance companies may avoid billions of dollars in business interruption claims because of the coronavirus pandemic.<br /><br />According to insurance companies, they are tightly regulated by state authorities and that the policy exclusions is very important to preserve their company given the overwhelming number of claims that can come from a single disease outbreak.<br /><br />One of the hardest hit are the restaurants and bars since government officials across the country are ordering them to close except for takeout and delivery. The Federal government is thinking ways on how to help struggling small business owners, and want to tap a $300 billion in small business loans to employers with 500 employees or fewer. https://www.documentcloud.org/documents/6812375-Treasury-Stage-3-Proposal.html<br /><br />Actually struggling small businesses can take advantage of <a href="https://www.sba.gov/about-sba/sba-newsroom/press-releases-media-advisories/sba-provide-disaster-assistance-loans-small-businesses-impacted-coronavirus-covid-19" target="_blank">U.S. Small Business Administration (SBA) low-interest disaster loans</a> of up to $2 million for those who got impacted by COVID-19. These loans may be used to pay fixed debts, payroll, accounts payable and other bills that can’t be paid because of the disaster’s impact. The interest rate is 3.75% for small businesses without credit available elsewhere; businesses with credit available elsewhere are not eligible. The interest rate for non-profits is 2.75%.<br /><br />You can also take advantage of <a href="https://www.cnbc.com/2020/03/17/treasury-and-irs-to-delay-tax-deadline-by-90-days.html" target="_blank">tax deferrals</a>, Treasury Secretary Steve Mnuchin said that individuals and many small businesses will have until July 15 to pay the income tax they owe up to $1 million. <br /><br /><br /><br /><br /><br /><a href="https://amzn.to/34aI7Fv" style="margin-left: 1em; margin-right: 1em;" target="_blank"><img alt="facemask for coronavirus" border="0" data-original-height="589" data-original-width="546" height="200" src="https://1.bp.blogspot.com/-QZYeXoHeyQ8/XonFqJxnLII/AAAAAAAAA_Q/MFLgR4Q6jdkcwxg5n50xtpxtsj8uPzjygCLcBGAsYHQ/s200/NuffSaid%2B12%2Bin%2B1%2BMultifunctional%2BHeadwear%2BFace%2BMask%2BHeadband%2BNeck%2BGaiter.jpg" title="NuffSaid 12 in 1 Multifunctional Headwear Face Mask Headband Neck Gaiter " width="185" /></a><br /><a href="https://amzn.to/34aI7Fv" rel="nofollow" target="_blank">NuffSaid 12 in 1 Multifunctional Headwear Face Mask Headband Neck Gaiter $21.99</a><br /><br /><br /><a href="https://amzn.to/3aKoJkV" rel="nofollow" target="_blank">Animal Crossing: New Horizons - Nintendo Switch </a><br /><br /><br /> <a href="https://amzn.to/2xNStPp" style="margin-left: 1em; margin-right: 1em;" target="_blank"><img alt="face mask for coronavirus" border="0" data-original-height="600" data-original-width="970" height="123" src="https://1.bp.blogspot.com/-g6WB-X33-jY/XonFqUW2l7I/AAAAAAAAA_U/o4p3cESAJAs-7DGivIHD2vlwGdfY6saXwCLcBGAsYHQ/s200/iHeartRaves%2BFestival%2BFace%2BMask%2BBandanas.jpg" title="iHeartRaves Festival Face Mask Bandanas " width="200" /></a><br />
<a href="https://amzn.to/2xNStPp" rel="nofollow" target="_blank">iHeartRaves Festival Face Mask Bandanas </a><br /><br /><a href="https://amzn.to/3bRpwRj" rel="nofollow" target="_blank">The Girl Beneath the Sea (Underwater Investigation Unit Book 1) Kindle Edition</a><br /><br /><br /><br /><br /><br /><br />aarongrey112http://www.blogger.com/profile/06321255122708390713noreply@blogger.com0tag:blogger.com,1999:blog-3411124748936176382.post-14344325470370719012020-03-01T03:00:00.002-08:002020-03-01T03:06:52.009-08:00Coronavirus Supplies You Need in case of Emergency<div class="separator" style="clear: both; text-align: center;">
<a href="https://1.bp.blogspot.com/-nHdItLbln_8/XluUNPMpAzI/AAAAAAAAA-k/D4J71cWG10ExJE6tzvxXBRmf_6roIB8IgCLcBGAsYHQ/s1600/pandemic%2Blockdown.gif" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="wuhan lockdown, coronavirus," border="0" data-original-height="268" data-original-width="440" height="388" src="https://1.bp.blogspot.com/-nHdItLbln_8/XluUNPMpAzI/AAAAAAAAA-k/D4J71cWG10ExJE6tzvxXBRmf_6roIB8IgCLcBGAsYHQ/s640/pandemic%2Blockdown.gif" title="wuhan lockdown, coronavirus," width="640" /></a></div>
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Coronavirus is inching closer to a global pandemic and US has already one known death due to the Coronavirus, <a href="https://qz.com/1810763/the-first-covid-19-death-in-the-us-has-been-reported-near-seattle/" target="_blank">a man in his 50s in a Seattle suburb</a>. Another patient who were diagnosed with Covid-19 in Northern California hospital is the first US case of "community spread" of the virus. If this virus spread throughout the country and in your neighborhood, there will be fear of a Wuhan-style lockdown and it could lead to emptying retail store shelves in the coming months and depressing some consumer-facing businesses, according to experts. Government officials are advising families to take measured steps to stock up on certain essentials so you'll be prepared if your community is hit hard by the virus. <br />
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<b>According to the <a href="https://www.ready.gov/pandemic" target="_blank">Department of Homeland Security</a> families should stock up on the following:</b><br />
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1. Prescription drug <br />
2. Two-week supplies of water and <a href="https://amzn.to/2TFrBbR" target="_blank">food </a><br />
<a href="https://amzn.to/2VxxOsM" target="_blank">Member's Mark 40 Piece Purified Bottled Water, 16.9 oz. $5.99</a><br />
<a href="https://amzn.to/2wmVTI3" target="_blank">Nestle Bottled Water 16.9oz Per Bottle, 24 Bottle Case $9.01</a><br />
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<a href="https://amzn.to/2I5BpX2" target="_blank">Survival Tabs 8-Day Food Supply 96 Tabs Emergency Food Ration Survival MREs Meals Ready-to-eat $28.95</a><br />
<a href="https://amzn.to/2Tb8vuP" target="_blank">Augason Farms 30-Day 1-Person Emergency Food Supply – QSS Certified </a> <br />
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3. Non-prescription drugs and health supplies like pain relievers, cough and cold medicines and fluids with electrolytes.<br />
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<a href="https://amzn.to/2PRzj1t" target="_blank">Basic Care Extra Strength Acetaminophen Caplets 500 Count $7.40</a><br />
<a href="https://amzn.to/2TcHZBx" target="_blank">Tylenol Extra Strength Rapid Release $10.47</a><br />
<a href="https://amzn.to/32BKVuz" target="_blank">Basic Care Ibuprofen Tablets 500 Count $8.65</a><br />
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<a href="https://amzn.to/3anBnpL" target="_blank">Vicks NyQuil SEVERE Cough, Cold and Flu</a> <br />
<a href="https://amzn.to/3ckuGqa" target="_blank">Boiron Throatcalm Tablets for Sore Throat Relief</a><br />
<a href="https://amzn.to/3agDA67" target="_blank">Adult Maximum Strength Multi-Symptom Cough Cold & Fluid Relief</a><br />
<a href="https://amzn.to/2IaCQ6F" target="_blank">Zarbee's Naturals Children's Complete Cough Syrup* + Immune* Nighttime $7.98</a><br />
<a href="https://amzn.to/2I5J47B" target="_blank">SAMBUCOL Anti-Viral Flu</a><br />
<a href="https://amzn.to/2I50stp" target="_blank">Coughing Ease</a> - 100% Natural Essential Oil Blend Relief for Cough & Cold, Wheezing, Bronchitis $16.95<br />
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<a href="https://amzn.to/2IaCZqJ" target="_blank">NatraBio Childrens Cough & Mucus</a> | Homeopathic Relief<br />
<a href="https://amzn.to/2VAR9cG" target="_blank">Zarbee's Naturals Children's Chest Rub $7.99</a><br />
<a href="https://amzn.to/3cnUdhY" target="_blank">Now Solutions, Chest Rub Relief $8.48</a><br />
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<a href="https://amzn.to/39gfmc0" target="_blank">Electrolyte Supplement for Rapid Hydration $19.95</a><br />
<a href="https://amzn.to/39hcQlW" target="_blank">GoodSense Pedia Electrolyte Liquid $23.23</a><br />
<a href="https://amzn.to/32EN6xc" target="_blank">Pedialyte Electrolyte Solution $39.88</a><br />
<a href="https://amzn.to/32EjQ9R" target="_blank">Gatorade Zero Sugar Thirst Quencher $12.59</a><br />
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4. It also wise to stock up on soap, alcohol, detergent, and baby supplies to last atleast a month.<br />
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<a href="https://amzn.to/2I74em7" target="_blank">Dettol Anti-Bacterial Hand and Body Bar Soap $13.89</a><br />
<a href="https://amzn.to/2PCYvbD" target="_blank">Softsoap Antibacterial Liquid Hand Soap</a><br />
<a href="https://amzn.to/2PANNCE" target="_blank">Product of Swan Rubbing Alcohol $13.28</a><br />
<a href="https://amzn.to/2Vw4YJj" target="_blank">Arm & Hammer Laundry Detergent Plus Oxiclean, Fresh Scent, 224 Fluid Ounce $11.97</a><br />
<a href="https://amzn.to/2I51ghV" target="_blank">Solimo Laundry Detergent Pacs $17.99</a><br />
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<a href="https://amzn.to/2I9BU2o" target="_blank">Amazon Baby Supplies</a> <br />
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<a href="https://amzn.to/2PCZ2dM" target="_blank">Lysol Clean and Fresh Multi-Surface Cleaner, Lemon and Sunflower $8.91</a> <br />
- Kills 99 9% of viruses and bacteria <br />
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* If you are always in a crowded place or ride the public transportation use wipes or hand sanitizer spray for your hands. <br />
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<a href="https://amzn.to/2VFZRq9" target="_blank">Clorox Disinfecting Bleach Free Cleaning Wipes $11.97</a><br />
<a href="https://amzn.to/39bIgdj" target="_blank">Wet Ones Sensitive Skin Hand and Face Wipes $14.70</a><br />
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The Centers for Disease Control and Prevention does not recommend wearing masks, they said you need to focus on regular hand-washing. However, if you have symptoms you need to wear mask to help prevent them from transmitting the virus. Also front-line health care workers should wear n95 masks . The best mask for bacteria and virus protection is an N95 or N100, regular dust and pollen masks do not offer any protection from viruses. <br />
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<br />aarongrey112http://www.blogger.com/profile/06321255122708390713noreply@blogger.com0tag:blogger.com,1999:blog-3411124748936176382.post-45180418955630736862020-02-28T06:12:00.000-08:002020-02-28T06:12:21.172-08:00Does travel insurance cover Coronavirus?<div class="separator" style="clear: both; text-align: center;">
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<a href="https://1.bp.blogspot.com/-NLiDj1wBrM8/XlkeRITGMVI/AAAAAAAAA-Y/Svp5rh5BLIYjBSpfHJy1t8NZWwSmEEhUQCLcBGAsYHQ/s1600/coronavirus.jpg" style="margin-left: 1em; margin-right: 1em;"><img alt="travel insurance Coronavirus" border="0" data-original-height="525" data-original-width="700" height="240" src="https://1.bp.blogspot.com/-NLiDj1wBrM8/XlkeRITGMVI/AAAAAAAAA-Y/Svp5rh5BLIYjBSpfHJy1t8NZWwSmEEhUQCLcBGAsYHQ/s320/coronavirus.jpg" title="travel insurance Coronavirus" width="320" /></a></div>
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Coronavirus is no longer concentrated in China, it is fast spreading all over the world. There are now hundred cases reported in Italy, Austria, the Netherlands, Switzerland, Croatia, and South Korea. So if you still can cancel your holiday or business trip you should just stay at home instead just to be safe. <br />
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According to a study done by travel insurance comparison site InsureMyTrip there is a 60% increase in policies sold since the first travel-related case of coronavirus was detected in the U.S. in January 2020. <br />
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So can you cancel your trip and claim from your travel insurance? The answer is it depends on your coverage. If it's not typically covered by the standard policy you're out of luck. You would need a “cancel for any reason” rider, for you to be able to cancel up to 48 hours before departure. The “cancel for any reason” rider will also bump the price of the travel insurance policy by 50%, and you’ll get about 75% of your trip reimbursed.<br />
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However if your trip is to mainland China or affected towns in Italy and South Korea or to any country with a confirmed outbreak you should get a full refund from your airline or travel company.<br />
Airlines around the world including the major three US airlines: American, Delta, and United have suspended routes to China. <a href="https://www.businessinsider.com/coronavirus-jetblue-cancel-refund-fees-waived-all-routes-2020-2" target="_blank">JetBlue </a>has waive fees for canceling or changing flights for all routes because of the coronavirus. They are the first US airline to waive cancelation and flight-change fees on all of its routes because of the rapidly spreading coronavirus.<br />
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Prevention is the best policy so just stay at home and avoid air travel specially with this kind of news, <a href="https://www.timesofisrael.com/korean-flight-attendant-who-was-in-israel-la-tests-positive-for-coronavirus/" target="_blank">Korean Air flight attendant tested positive for COVID-19</a>. <br />
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<br />aarongrey112http://www.blogger.com/profile/06321255122708390713noreply@blogger.com0tag:blogger.com,1999:blog-3411124748936176382.post-68946142586031154602020-01-29T06:04:00.001-08:002020-01-29T06:04:06.298-08:00Credit for Health Insurance Costs extended Through 2020The health coverage tax credit (HCTC) is an IRS tax credit for 72.5% of health care insurance premiums, which may apply to certain individuals who are 55–65 years of age and are receiving benefits from the Pension Benefit Guaranty Corporation PBGC. It was scheduled to expire at the end of 2019 but since President Donald Trump signed the Taxpayer Certainty and Disaster Tax Relief Act of 2019 (the Act) into law it has been extended for all coverage months beginning in 2020. This means individuals who are eligible can receive a tax credit to offset the cost of their monthly health insurance premiums for 2020 if they have qualified health coverage for the HCTC.<br /><br />Eligibility for the HCTC is restricted to the following groups of individuals:<br /><br />
<ul>
<li>Individuals eligible for Trade Adjustment Assistance (TAA) allowances because of a qualifying job loss</li>
<li>Individuals between 55 and 64 years old whose defined-benefit pension plans were taken over by the Pension Benefit Guaranty Corporation (PBGC)</li>
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<br /><a href="https://www.irs.gov/credits-deductions/individuals/hctc" target="_blank">For more info check this out </a><br />aarongrey112http://www.blogger.com/profile/06321255122708390713noreply@blogger.com0tag:blogger.com,1999:blog-3411124748936176382.post-9128181805589927222019-12-04T03:33:00.001-08:002019-12-04T03:33:39.849-08:00Millennials Don't Have Enough Life Insurance<br />
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<a href="https://1.bp.blogspot.com/-ZVnnhtqkj4M/XeeZSP25GjI/AAAAAAAAA98/Ag2wrMGJolwWYx2nhQayAKajdNImGO57wCLcBGAsYHQ/s1600/distractedboyfriendhungaryfeat.jpg" style="margin-left: 1em; margin-right: 1em;"><img alt="millennials family" border="0" data-original-height="389" data-original-width="363" height="320" src="https://1.bp.blogspot.com/-ZVnnhtqkj4M/XeeZSP25GjI/AAAAAAAAA98/Ag2wrMGJolwWYx2nhQayAKajdNImGO57wCLcBGAsYHQ/s320/distractedboyfriendhungaryfeat.jpg" title="millennials " width="298" /></a></div>
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You'll bore millennials to death if you talk to them about life insurance. They might listen to you for 2 minutes then take a snooze. Based on a research done by New York Life https://www.newyorklife.com/newsroom/2018/life-gap-survey-millenials-at-risk , millennials are most at financial risk when it comes to life insurance because they don't have enough insurance coverage. According to the study, millennials who have life insurance have an average of $100,000 in life insurance coverage that is only 22% of their self-reported coverage needs which is $452,000. They are $352,000 short. The Millennial coverage gap is 60% higher than the coverage gap for the general population. It also shows that only 10% of them have enough life insurance to cover 100% of their needs, which can include mortgages, funding retirements or financing a child's college education. <br />
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The survey was composed of 1,738 adults between ages 25-70 from the U.S. in which 1,176 adults who have life insurance and another 562 adults who have no life insurance coverage. <br />
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Most life insurance policies fall into one of two basic groups: term life and whole life (permanent life).<br />
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Term Life - it gives you protection for the specific, limited amount of like like 10, 15, 20, 25 or 30 years; or to a maximum age, such as 80. It doesn't have cash value but it has lower premium compared to whole life. It often provide protection for specific times of need, such as mortgage or a child's college tuition.<br />
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Whole life- it gives protection for the entire life of the person normally to age 120. It has cash value that accumulates over the life of the policy. Cash value can be borrowed if needed for any reason, and can give you a guaranteed income after retirement. <br />
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<br />aarongrey112http://www.blogger.com/profile/06321255122708390713noreply@blogger.com0tag:blogger.com,1999:blog-3411124748936176382.post-19392537123015868382019-10-30T06:52:00.000-07:002019-10-30T06:52:01.000-07:00Happy Halloween 2019<div style="text-align: center;">
<span style="font-size: large;">Hope you don’t have a scare in the world this Halloween!</span></div>
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<span style="font-size: large;">Happy Halloween </span></div>
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<a href="https://1.bp.blogspot.com/-LIN4FiDIfGg/XbmVdxiIHMI/AAAAAAAAA9c/pHLltNf9d-8boN2cUt2Mk87JUE2Ijo30gCLcBGAsYHQ/s1600/Happy%2BHalloween%2B2019%2Be.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="Halloween, Happy Halloween 2019, Halloween greetings" border="0" data-original-height="742" data-original-width="563" height="320" src="https://1.bp.blogspot.com/-LIN4FiDIfGg/XbmVdxiIHMI/AAAAAAAAA9c/pHLltNf9d-8boN2cUt2Mk87JUE2Ijo30gCLcBGAsYHQ/s320/Happy%2BHalloween%2B2019%2Be.jpg" title="Halloween, Happy Halloween 2019, Halloween greetings" width="242" /></a></div>
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aarongrey112http://www.blogger.com/profile/06321255122708390713noreply@blogger.com0tag:blogger.com,1999:blog-3411124748936176382.post-79182831900454113092017-10-20T02:11:00.000-07:002017-10-20T02:12:18.067-07:00Flood Insurance Nightmare<br />
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<iframe allowfullscreen="" frameborder="0" height="315" src="https://www.youtube.com/embed/EZPo9op1Pvc" width="560"></iframe>
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A Houston family's flood insurance premium went from $475 to about $2,600 annually! Umesh and Kimberly Kant moved into the home on Sapphire Circle near FM 1488 in March 2016. Their home were flooded twice in less than two months. The first time was during the Tax Day Floods in April 2016 and again in May. They were spared from Hurricane Harvey’s floodwaters.<br />
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Since the area where they live is a high-risk flood area they were required to get flood insurance by their mortgage lender. They were able to get a policy though their insurance agent as part of FEMA’s National Flood Insurance Program.<br />
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They filed claims and fixed up their home. They felt very blessed to avoid flooding again during Harvey until they found out how much is their insurance premium. Their premium went from $475 nearly $2,600 a year.<br />
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The National Flood Insurance Program subsidizes flood insurance into what’s called the Preferred Risk Program. However, when you file two claims totaling more than $1,000 each in a 10-year period, you’re no longer eligible for the program. The Kants are now required to buy a standard-rated policy which costs a lot more.<br />
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Jim Blackburn is an expert in environmental law and flooding along the Gulf Coast. He’s also a professor at Rice University. No matter the current charges, he strongly urges homeowners to get insurance even if it’s not required.<br />
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"It’s a bargain compared to pure actuarial rates,” Blackburn said. “The pure actuarial rates could easily rise to $20,000 a year. No one is paying anything close to that right now.”<br />
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For the Kants, their skyrocketing policy feels unfair and way too expensive.<br />
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“We owed that money back to the insurance company,” Umesh Kant said. “We will pay that money back but it has to be in a systematic way. We’ve become house poor now to figure out whether to pay the insurance back or we pay for him to go to school or college.”<br />
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FEMA is supposed to send a letter if your premium is going up. The Kants say they never got it.<br />
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In the end, the Kants managed to get their premium down to $1,600 by adjusting their coverage to exclude contents. They also found a different insurance agent and are hoping for better communication when prices go up and down.<br />
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<br />aarongrey112http://www.blogger.com/profile/06321255122708390713noreply@blogger.com0tag:blogger.com,1999:blog-3411124748936176382.post-46737184128952138052017-10-20T02:04:00.002-07:002017-10-20T02:04:54.478-07:00Common Terms Health Insurance Terms You Need To Know<div class="separator" style="clear: both; text-align: center;">
<a href="https://4.bp.blogspot.com/-Mfo_0LPdu2c/Wem7-_4otOI/AAAAAAAAA7E/3_HTb9NzHEoAPl8hBt_Dl6y6YjAnrET4gCLcBGAs/s1600/health%2Binsurance.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="Health Insurance Terms, health, insurance" border="0" data-original-height="167" data-original-width="301" src="https://4.bp.blogspot.com/-Mfo_0LPdu2c/Wem7-_4otOI/AAAAAAAAA7E/3_HTb9NzHEoAPl8hBt_Dl6y6YjAnrET4gCLcBGAs/s1600/health%2Binsurance.jpg" title="Health Insurance Terms, health, insurance" /></a></div>
<br /><br />Claim: this is the detailed invoice or the bill that your health care provider (such as your doctor, clinic, or hospital) submits to your health insurance provider for any care you receive. If you paid for service out-of-pocket, you can also submit your own claim to your insurer directly to try and get reimbursed.<br /><br />Premium: This is the amount you pay monthly to maintain your health insurance plan. Even if you never end up needing health care services, you still have to pay your monthly premium to your health insurance company to stay covered.<br /><br />Deductible: The amount you pay for covered health care services before your insurance plan starts to pay. Your insurance company usually doesn't start covering your health care bills right away. You'll probably have to pay a set amount first. That's called your deductible. Usually, the cheaper the plan, the higher the deductible.<br /><br />High-deductible health plans: Under these plans, you're expected to pay more of your health care bills, but your monthly payments for coverage will be cheaper. It can be a good option for a young, healthy person who doesn't expect to go to the doctor much. These plans allow you to stash away money into a tax-advantaged account called a Health Savings Account (HSA) that can be used to cover deductibles and other medical expenses. <br /><br />Copayment: A set fee you pay when visiting a doctor after you've met your deductible. You might have different copayments for doctor visits, hospital stays and other types of care.<br /><br />Coinsurance: Some insurance plans expect you to pay a percentage of the bill even after you've met your deductible. For example, you could be on the hook for 20% or 30% of the bill while the insurer handles the rest.<br /><br />In-network provider: A medical professional who is part of your health insurance coverage and has pre-determined agreements with your insurer on what to charge for certain services and visits. Staying in network means your insurance will cover more of the costs and your bills will be much cheaper.<br /><br />Out-of-network provider: A medical provider who does not have a contract with your health insurer, and will likely be more expensive to receive care from. You can end up being responsible for most, if not all of the bill if you go to an out-of-network doctor.<br /><br />Out-of-pocket maximum: While deductibles and coinsurance could mean you end up paying a lot of money for health care, the good news is there is a limit to what you'll be responsible for paying. If you end up with a lot of medical bills one year and reach your plan's cap, the insurance company will cover 100% of your medical services for the rest of the year.<br /><br />Explanation of Benefits: While it may look like a bill, it isn't. An EOB is just an overview of what (and how much) your doctor billed to your insurance company and what the insurer has agreed to cover. It can also include an estimate of how much you might be expected to pay, but the medical provider will send a bill separately. <br /><br /><a href="http://money.cnn.com/2017/10/19/pf/health-insurance-terms-open-enrollment/index.html" target="_blank">Source CNN MONEY</a><br />
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<a href="http://amzn.to/2txWtML" rel="nofollow" target="_blank">Doctor's Best High Absorption Coq10 w/ BioPerine (100 mg) $13.65</a>aarongrey112http://www.blogger.com/profile/06321255122708390713noreply@blogger.com0tag:blogger.com,1999:blog-3411124748936176382.post-25071294009778379672017-09-21T02:19:00.001-07:002017-09-21T02:19:48.519-07:00Why Do You Need Flood Insurance?<div class="separator" style="clear: both; text-align: center;">
<a href="https://4.bp.blogspot.com/-THtkdoIpghw/WcODpatsqnI/AAAAAAAAA6s/RCRF761yBC0d1FRMyeWW9H7kDVAdNl9dQCLcBGAs/s1600/Flooded%2Bhouses%2Btexas.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="Flood Insurance" border="0" data-original-height="360" data-original-width="640" height="180" src="https://4.bp.blogspot.com/-THtkdoIpghw/WcODpatsqnI/AAAAAAAAA6s/RCRF761yBC0d1FRMyeWW9H7kDVAdNl9dQCLcBGAs/s320/Flooded%2Bhouses%2Btexas.jpg" title="Flood Insurance" width="320" /></a></div>
<br /><br />The destruction left by hurricanes Irma and Harvey has left a reminder to homeowners to get a flood insurance, specially this year which has been particularly bad for disastrous weather.<br /><br />Here are the basics for flood insurance policy:<br /><br /><b>Who needs flood insurance?</b><br /><br />People who live in high-risk areas with federally backed mortgages are required to buy flood insurance. For renters in high-risk areas, or if you know your apartment has flooded in the past, you should consider buying insurance. However, apartments below street level are almost never covered by flood insurance for renters.<br /><br />For homeowners and renters who live outside the high-risk areas, it can be a low-cost expense. <br /><br /><b>Where to purchase flood insurance policy?</b><br /><br />You can purchase a policy from National Flood Insurance Program, if you live in a participating community, or from a private insurance company. <br /><br /><b>How much does flood insurance cost? </b><br /><br />Premiums depend on the area where you live. The average annual price of flood insurance under the <a href="https://nfip-iservice.com/Stakeholder/pdf/bulletin/Attachment%20A%20-%20Summary%20of%20the%20NFIP%20April%202017%20Program%20Changes%20Final.pdf" target="_blank">National Flood Insurance Program was about $878 in April of this year</a>.<br /><br /><br /><b>Does my homeowner or renter’s insurance protect me from floods?</b><br /><br />Ussually homeowner or renter’s insurance doesn't cover flood damage it is one of the most commonly excluded hazards in homeowners insurance policies. You should check your individual policy. Homeowners and renters need to buy separate flood insurance. As a renter, you may be able to buy flood insurance from the National Flood Insurance Program if you live in an area that participates in the program.<br /><br /><b>Does flood insurance cover water damage from plumbing leaks?</b><br /><br />It doesn't cover it. Homeowner’s or renter’s insurance usually cover something like a ruptured pipe or sudden damage.<br />
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aarongrey112http://www.blogger.com/profile/06321255122708390713noreply@blogger.com0tag:blogger.com,1999:blog-3411124748936176382.post-83806001621801358202017-08-29T19:18:00.002-07:002017-08-29T19:18:28.059-07:00Harvey victim Goes Off On CNN Reporter, For Taking Advantage of them<div class="separator" style="clear: both; text-align: center;">
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CNN wants to capitalized on the Houston hurricane coverage so they decided to set up shop in an evacuation center, interviewing those who have been picked up by rescuers from the rising waters. Unfortunately for them, a distraught Houston mother is not having it. She blast the reporter for putting a microphone in her face just moments after she arrived at a shelter with her two young children.<br />
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“Y’all trying to interview people during their worst times. Like, that’s not the smartest thing to do,” the shaken up parent, identified only as Danielle, told reporter Rosa Flores.<br />
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“People are really breaking down and y’all sitting here with cameras and microphones trying to ask us what the f–k is wrong with us,” she seethed. “And you really trying to understand with the microphone still in my face! With me shivering cold, with my kids wet! And you’re still putting a microphone in my face!”<br />
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The interview happened a little before 1 p.m. central time at a shelter in Houston. Flores appeared to approach the woman at random just after she arrived there with her kids.<br />
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“We was waiting for the police for like 36 hours and they never came,” the mother said. “We did the white flags and everything — and nobody came.”<br />
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The woman went on to explain how she fled her home, walked to a nearby gas station, and remained there until someone picked her and her children up.<br />
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“We had been there for five days with no food, no lights,” she said. “We got through four feet of water to get them food on the first day…Yea, that’s a lot of s–t.”<br />
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During her outburst, Flores can be heard apologizing to the woman and her children.<br />
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“It sounds like you’ve got a very upset family there,” CNN anchor Jim Acosta tells Flores, before cutting away.<br />
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<iframe allowfullscreen="" frameborder="0" height="315" src="https://www.youtube.com/embed/kqkcajYOTfc" width="560"></iframe>
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<br />aarongrey112http://www.blogger.com/profile/06321255122708390713noreply@blogger.com0tag:blogger.com,1999:blog-3411124748936176382.post-45753558531216238772017-08-29T01:32:00.001-07:002017-08-29T01:32:20.717-07:00Insurance Claims After a Hurricane<div class="separator" style="clear: both; text-align: center;">
<a href="https://4.bp.blogspot.com/-efWt1YOav5k/WaUltkpegmI/AAAAAAAAA50/RQQYD3K9wpc1D9XQqYO8TJwzJ1yp_pMXACLcBGAs/s1600/Hurricane%2BHarvey%2Binsurance.JPG" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="Hurricane Harvey insurance, Hurricane Harvey nightmare insurance, how to claim insurance, flood insurance, wind insurance" border="0" data-original-height="387" data-original-width="753" height="164" src="https://4.bp.blogspot.com/-efWt1YOav5k/WaUltkpegmI/AAAAAAAAA50/RQQYD3K9wpc1D9XQqYO8TJwzJ1yp_pMXACLcBGAs/s320/Hurricane%2BHarvey%2Binsurance.JPG" title="Hurricane Harvey insurance, Hurricane Harvey nightmare insurance, how to claim insurance, flood insurance, wind insurance" width="320" /></a></div>
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Hurricane Harvey started with sustained 130 mph winds and a seven-foot storm surge and it also has dumped trillions of gallons of water onto the city of Houston that is enough to fill the Great Salt Lake twice over. It also soak much of Louisiana into midweek that caused massive flooding. Homeowners maybe wondering how to file a claim and if they have enough coverage to repair and rehabilitate their destroyed, flooded homes. <br /><br />
<h3>
What you should do?</h3>
<br />1. Homeowners shoudl call their insurers as soon as possible to start the process of filing a claim. After contacting your insurer, an adjuster will contact the homeowner to schedule a visit to the location of the insured property and inspect the damage. Adjusters will start by visiting areas that experienced the most severe damage once they are allowed by emergency officials.<br /><br />2. Make sure you have prepared a thorough list of your property that has been destroyed and damaged. You will need to give purchase receipts or estimate how much the belongings cost and when you bought them. <br /><br />Take photographs and record video of every area of your home and property for documentation. <br /><br />3. Don't throw anything away without checking with your insurer first. You'll likely need to show that damaged items were impacted by the storm. <br /><br />4. If your home is severely damaged and uninhabitable that you need to check in a hotel, keep the reciepts including your transportation and meals. People with wind damage coverage are eligible for reimbursement for additional living expenses. Flood insurance, however, does not cover these expenses. <br /><br />5. Once you report your claim be sure you get your claim number and write it down this will help insurers locate your file quickly and keep things on track when you speak to customer representatives. <br /><br />6. Avoid fraudulent contracts! Major catastrophes like Harvey can be a boon for fraudulent contractors. The fraudsters go from home to home offering to do repairs. Always get a written estimate and not rush into signing repair contracts. You can also ask your insurer, since most insurers will have a reliable network of repairers.<br /><br />Never pay anyone upfront!!! It is an immediate red flag if they ask for payment before the work is completed<br /><br /><br />
<h3>
What if insurance companies refuse to pay claims?</h3>
<br />“60 Minutes” had an episode titled “The Storm After The Storm” after Super Storm Sandy. They tackled the issue of “wide scale fraud where original damage reports were later changed to make it look like the damage wasn’t as bad.” Similar reports were released following Hurricane Katrina documenting wind vs. water cases. Wind vs. water cases consist of engineering reports that intentionally misidentify damage as caused by water rather than the true cause, wind.<br /><br />Finding that home damage was caused by floodwaters rather than wind is significant for the private insurance industry. The significance is that the National Flood Insurance Program (NFIP) is managed and underwritten by the U.S. Federal Emergency Management Agency. This means private insurers are not on the hook for the losses caused by flooding.<br /><br />If you don’t get the service that you expected from your insurance company you should<a href="https://eapps.naic.org/cis/fileComplaintMap.do" target="_blank"> file a Consumer Complaint with your state insurance department. </a><br /><br />
<h3>
Important things to note:</h3>
<br /><b>Flood insurance</b> - Home insurance doesn’t cover flooding. You’ll need to buy a separate flood insurance policy, which takes 30 days to take effect. If a hurricane strikes within that 30-day window, your policy won’t pay for flood damage to your home or belongings.<br /><br /><b>Windstorm insurance</b> - Many homeowners policies include coverage for wind, especially if you don’t live in a hurricane-prone coastal state, so you might not need to buy additional insurance. However, coastal states like Texas and Florida you’re more likely to need separate wind insurance. <br /><br /><b>Auto insurance</b> - Comprehensive car insurance pays to fix damage to your car from flooding, hail and other nasty weather.<br /><br /><a href="https://www.fema.gov/national-flood-insurance-program" target="_blank">For more information about Flood Insurance visit FEMA</a><br /><br /><br /><br /><br /><a href="http://amzn.to/2wkGvb6" style="margin-left: 1em; margin-right: 1em;" target="_blank"><img alt="Hurricane Harvey insurance, Hurricane Harvey nightmare insurance, how to claim insurance, flood insurance, wind insurance" border="0" data-original-height="500" data-original-width="500" height="200" src="https://2.bp.blogspot.com/-TmpJkaww0b8/WaUltn6RTvI/AAAAAAAAA54/NB71JIUrXNIipxRx1FrzvuqLnDsVkW1ZgCLcBGAs/s200/Ready%2BAmerica%2B70385%2BDeluxe%2BEmergency%2BKit%2B4%2BPerson%2BBackpack.jpg" title="Ready America 70385 Deluxe Emergency Kit 4 Person Backpack" width="200" /></a><br /><br /><a href="http://amzn.to/2wkGvb6" rel="nofollow" target="_blank">Ready America 70385 Deluxe Emergency Kit 4 Person Backpack $99.06 </a><br /><br /><br /><br /><a href="http://amzn.to/2wFqXSd" style="margin-left: 1em; margin-right: 1em;" target="_blank"><img alt="Hurricane Harvey insurance, Hurricane Harvey nightmare insurance, how to claim insurance, flood insurance, wind insurance" border="0" data-original-height="1500" data-original-width="1500" height="200" src="https://1.bp.blogspot.com/-1tITbtuzf4w/WaUluuBQGyI/AAAAAAAAA58/wngsoaOjAT4ClFVsOeBKNnPxqNy5PRz_ACLcBGAs/s200/LifeStraw%2BPersonal%2BWater%2BFilter.jpg" title="" width="200" /></a><br /><a href="http://amzn.to/2wFqXSd" rel="nofollow" target="_blank">LifeStraw Personal Water Filter for Hiking, Camping, Travel, and Emergency Preparedness $14.99 </a><br /><br /><a href="http://amzn.to/2wOtaen" style="margin-left: 1em; margin-right: 1em;" target="_blank"><img alt="Hurricane Harvey insurance, Hurricane Harvey nightmare insurance, how to claim insurance, flood insurance, wind insurance" border="0" data-original-height="1353" data-original-width="1500" height="180" src="https://4.bp.blogspot.com/-xS8udKM74Vk/WaUlu7ymJGI/AAAAAAAAA6A/NVPDRt3ytuQKn2sOoMVYa9Xl7OudMn_OACLcBGAs/s200/UCO%2BOriginal%2BCandle%2BLantern.jpg" title="" width="200" /></a><br /><a href="http://amzn.to/2wOtaen" rel="nofollow" target="_blank">UCO Original Candle Lantern Value Pack with 3 Candles and Storage Bag $23.37 </a><br /><br /><a href="http://amzn.to/2wOJFan" rel="nofollow" target="_blank">Compact First Aid Survival Kit (95 Piece) by Ready First $24.95 </a><br /><a href="http://amzn.to/2gkTq99" rel="nofollow" target="_blank">HSYTEK Survival Gear Kit 11 in 1 , Professional Outdoor Emergency Survival Tools Set with Saber Card $23.65</a><br /><a href="http://amzn.to/2gkTRjN" rel="nofollow" target="_blank">Emergency Disposable Rain Ponchos Various Colors $7.99 - $122.00</a><br /><a href="http://amzn.to/2iEsEti" rel="nofollow" target="_blank">Deluxe 2-Person Perfect Survival Kit for Emergency Disaster Preparedness $99.95 </a><br /><br /><br />aarongrey112http://www.blogger.com/profile/06321255122708390713noreply@blogger.com0tag:blogger.com,1999:blog-3411124748936176382.post-10482430175275539182017-08-23T01:45:00.000-07:002017-08-23T01:45:42.898-07:00IRS: 4 million Americans paid Obamacare penalties averaging $708 for 2016<div class="separator" style="clear: both; text-align: center;">
<a href="https://4.bp.blogspot.com/-ty03M_T7dBg/WZ0_aDG0SyI/AAAAAAAAA5Y/CABGvzZ5zL0YAkJADh_eHsnZGvVFHzIhwCLcBGAs/s1600/freeloaders%2Bobamacare.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="589" data-original-width="589" height="320" src="https://4.bp.blogspot.com/-ty03M_T7dBg/WZ0_aDG0SyI/AAAAAAAAA5Y/CABGvzZ5zL0YAkJADh_eHsnZGvVFHzIhwCLcBGAs/s320/freeloaders%2Bobamacare.jpg" width="320" /></a></div>
<br /><br />Obamacare has rear its ugly head again this time it's about money, four million Americans paid Affordable Care Act penalties averaging $708 for not having insurance in 2016, based on the <a href="https://taxpayeradvocate.irs.gov/Media/Default/Documents/2018-JRC/JRC18_Volume1_AOF_11.pdf" target="_blank">preliminary figures released by the Internal Revenue Service.</a><br /><br />The average is just over the base penalty of $695 imposed for a whole year without coverage; those with higher incomes paid more. Overall, that's about $2.8 billion. The agency noted that those numbers are subject to change as processing continues.<br /><br />The penalty started in 2014 with a base penalty of $95. The IRS reported that 7.9 million people paid an average of $210 that year, for a total of $1.6 billion. <br /><br />In 2015 the base penalty rose to $325, and the IRS reported that 6.5 million people paid an average of $470, for a total of $3 billion. The penalty is called the individual shared responsibility payment (Obama tax), you owe the fee for any month you, your spouse, or your tax dependents don’t have qualifying health coverage. You pay the fee when you file your federal tax return for the year you don’t have coverage. There are few health coverage exemption from the requirement to have insurance. <br /><br />Liberals and freeloaders wants to increase these penalties they say the penalties are not steep enough to push enough people into the marketplace. <br /><br />Good thing President Donald Trump ordered the Internal Revenue Service to stop their plan to reject tax returns that didn't indicate whether or not people had health insurance. So, if you have no health insurance just don't tell the IRS and don't pay the penalty! <br /><br /><a href="http://amzn.to/2wmFbar" style="margin-left: 1em; margin-right: 1em;" target="_blank"><img alt="Ship Your Friends an Embarrassing Box Prank: We Mail Your Target a Hilariously Labeled Package to Make Them Cringe. Great Gag Gift " border="0" data-original-height="1165" data-original-width="1500" height="155" src="https://3.bp.blogspot.com/-fZSfIZ4IJpQ/WZ0_g2veWqI/AAAAAAAAA5g/deIIJDzY6B8eIM0NEeb6F4ZvPIglbEkcgCLcBGAs/s200/Prank%2Bgifts.jpg" title="Ship Your Friends an Embarrassing Box Prank: We Mail Your Target a Hilariously Labeled Package to Make Them Cringe. Great Gag Gift " width="200" /></a><br />
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<br /><br /><br />aarongrey112http://www.blogger.com/profile/06321255122708390713noreply@blogger.com0