View allAll Photos Tagged easygoing
A couple of days before Mother's day, I drove by a church's changeable letter sign ( there must be a better name for these, but it's what I found when I tried to look it up) that read: "A mother is the heart of her family." Were it not for a conversation I'd had with my mother just the day before, I probably wouldn't have thought twice about the sign and been content to let it pass as yet another warm platitude. Instead, the saying has become a definitive part of how I think about my mother, and motherhood in general.
There's something untethered and insubstantial in the way that the men in my family move through the world. My father especially is admired for his carefree and easygoing nature, but what people don't see is how all the worries which never seem to stick to him fall on my mother's shoulders. In me, the tendency manifests itself as chronic self-neglect, and there too my mother has always fought to keep me in check. All of the anxiety which we are either unwilling to bear or sometimes even totally oblivious of, my mother gathers for herself. What we refuse to feel, she feels for us, and not only feels, but processes as well, all so that we might have the freedom to live less encumbered.
creativemornings.com/cities/phx
Jason Anthony has been tattooing in the Phoenix area for over a decade. His easygoing nature, diverse skill set, and stunning good looks make him a treat to work with and to be around. When he isn’t busy making the Valley, nay, the entire state of Arizona a better looking place, you can find him avoiding responsibility and probably scheming ways to make Phoenix more like the Pre-Roman invasion of the British Isles. Until time folds on itself you can find him tattooing at his shop, Golden Rule Tattoo that he runs with his partners in business John O’Hagan and David Maxwell. Jason has managed to fumble onto a few awards, trophies, and plaques during his still burgeoning career and hopes that more people will think he’s better than he really is.
BOOKS
www.amazon.com/s?k=jeff+woolwine&crid=1CFWRQNKYMI8W&a...
MY PAN god
From Wikipedia, the free encyclopedia
Pan
Rustic Pan was the Greek god of shepherds, goatherds, and their animals and pastures. He himself was part-animal and was most often imagined with the horns, hind legs, and tail of a goat. Originally an Arcadian god, Pan’s fame had already spread by the beginning of the fifth century BCE, and he was soon worshipped across the Greek and Roman world.
In literature and art, Pan was commonly represented as a carefree and easygoing god (as long as his midday siestas were not disturbed). He spent his days hunting, dancing, or playing his beloved pipes. Pan was known above all for his insatiable lust and for pursuing beautiful nymphs throughout the woodlands and mountains—though these chases tended to end in frustration, with the objects of his desires fleeing him or changing their shape.
God of nature, the wild, shepherds, flocks, and mountain wilds[1]
Pan teaching his eromenos, the shepherd Daphnis, to play his pan flute, Roman copy of Greek original c. 100 BC, found in Pompeii.
AbodeArcadia
SymbolPan flute, goat
Personal information
ParentsHermes and a daughter of Dryops, or Penelope
ConsortSyrinx, Echo, Pitys
ChildrenSilenus, Iynx, Krotos, Xanthus (out of Twelve)
Equivalents
Roman equivalentFaunus
Inuus
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In ancient Greek religion and mythology, Pan (/pæn/;[2] Ancient Greek: Πάν, romanized: Pán) is the god of the wild, shepherds and flocks, rustic music and impromptus, and companion of the nymphs.[3] He has the hindquarters, legs, and horns of a goat, in the same manner as a faun or satyr. With his homeland in rustic Arcadia, he is also recognized as the god of fields, groves, wooded glens, and often affiliated with sex; because of this, Pan is connected to fertility and the season of spring.[1]
In Roman religion and myth, Pan was frequently identified with Faunus, a nature god who was the father of Bona Dea, sometimes identified as Fauna; he was also closely associated with Silvanus, due to their similar relationships with woodlands, and Inuus, a vaguely-defined deity also sometimes identified with Faunus.[4][5][6] In the 18th and 19th centuries, Pan became a significant figure in the Romantic movement of western Europe and also in the 20th-century Neopagan movement.[7]
We're pretty easygoing about what gets to stay on the table. I'm actually disappointed that there are so few tools in this photo.
Shu pu-erh made from Burmese material, fermented in Menghai in 2012. The trees are 70-100 years old from Nam Pa Ka Mountain in Myanmar.
This is a classic matured ripe pu-erh tea from trees, the typical Menghai fermentation. The flavor is smooth and clear: walnut, sandalwood, old wooden chest, some baked milk.
Judging by the break of the cake, they used mainly third leaves. You can also find buds with the top leaves, but there are few of them.
The fermentation is in the old school style, non-deep, gentle, and the taste is very classic, intended for the Chinese market. No fish, peat moss or compost.
The infusion is transparent, perfectly smooth on the throat.
In the aftertaste, one can easily catch a menthol note, which is not a rare find in shou pu-erhs of such profile. It finishes the flavor picture and adds a woody nobility.
Bottom line: a decent and easygoing tea, standing aside from the newfangled plantation pu-erhs, where "oil" is mixed in half with caffeine.
Chun Xian introduces into a tranquil state of tea fullness, just the way we like it. One can drink it a lot without the risk of catching a caffeine rush.
Given its low price, this shou is a great everyday option for lovers of Chinese tea classics.
tea-side.com/chun-xiang-myanmar-menghai-ripe-pu-erh-tea-c...
(If you'd like to use any of these photos for anything pls contact Kris Krüg first - kriskrug@gmail.com or 778. 898. 3076. Thank you! (c) (r) (tm) 2016)
Welcome to the internet home of the Fernwood Road Cafe. This beautiful little spot on Salt Spring Island is the dreamchild of Jennifer and David Shaw. Transplants from North Vancouver (though Jennifer has a long family history with Salt Spring), Jennifer and David purchased the Fernwood Road Cafe on October 1, 2011 and have been living the Island dream since.
Coming from a background as a lawyer, a custom cake designer (yes, those are wildly different professions) and years of coffee education at Starbucks, Jennifer brings a history of business and a desire to give 110% to everything that she does. Whether it’s making your favorite non-fat, half-sweet, decaf, extra hot, wet vanilla cappuccino or serving up a slice of her Grandma’s Secret Recipe lemon cake, Jennifer strives to do her best.
His background in the travel industry (Evergreen Tours) and many years of working for Islanders’ favorite transportation company, gives David a unique perspective on Island life and the challenges of a community reliant on tourism and restricted transportation links. David’s easygoing manner hides his serious side, but there is nothing more serious that making sure that every patron at the cafe has an enjoyable experience.
At Fernwood Road Cafe, we are here for the long run. We strive to be a part of the community and are always looking for new ways to bring people together to talk, play and expand their horizons.
“The campus size is perfect for me. The professors and staff are helpful, respectful, and easygoing. I would recommend Berkeley College because you can be involved in many things. And if you need help, there are resources.”
—Darwin Landi, Graphic Design
(See links). Slice Pizza Bakery - Facebook
Easygoing option turning out NYC-style pizzas & slices, plus salads, calzones & sandwiches. Our New York Pizza recipe has been handed down from Joe Romeo, an expert in real New York style pizza. Located at the base of the famed Gatlinburg Space Needle.
117 Historic Nature Trail, Gatlinburg, TN. 061321.
Makeup accessories for women, design embellishments are essential. They add fabulousness and shading to each outfit that she wears and help in accomplishing the look that she needs to exude.
•These wrist trinkets are normally made with gold or silver, plastic or earth, even wood and different materials and they come in a few unique styles and sizes.
•A knee high or lower leg high pair of boots ought to go flawlessly well with a skirt.
•They can be worn either with formal or easygoing clothes. bit.ly/2rELt4e
via
Are you looking for detailed information to help you decide if you should enroll in a Medicare supplement plan N? This post will provide considerable details about the Medicare supplement plan N.
Back To The Beginning
To start, we’re going to begin by going back in time to a little bit before the plan N was first introduced to the market. To do that, we’ll need to go back to the year 2010.
In the year 2010 the Medicare supplement plan letters that were available to the marketplace went through a little bit of an update. During this time, there were a few plans that were very similar, for example the plan G, plan H and the Plan I were very similar. The plan H and the plan I were removed and just the plan G was left to replace those three plans.
The plan J and the plan F were also very similar so those plans were also merged together to give us what’s considered the current day standard Plan F. There was a plan E that was removed from the list and then there were four different new plans that were added to the choice of Medicare supplement plan letters. Those include plan k, plan L, plan M and plan N. I’ve never sold a plan K or plan L or plan M as these plans do not have a good value, therefore we do not recommend them to our customers.
However the plan N is certainly a plan that has been worth considering since the first implementation of this plan into the marketplace in June of 2010. Even though the plan N did became available in the marketplace about 9 years ago, in the early years it wasn’t that very well known it wasn’t that popular we did not have a lot of people choosing the plan N during this timeframe.
Plan F and Plan G – Both Popular For a Long Time
Primarily we were looking at the plan F and the plan G. The reason we’re talking about the plan F and the plan G is because things that changed with respect to these two plans do affect our decision-making process whenever we may recommend a plan N to our customers.
For several years after these updates were made back in 2010, we would look at the plan F and we would look at the plan G when we were recommending plans to one of our current or prospective customers.
We would first look at the list of companies that we felt confident in doing business with and then we would find the least expensive plan F that our customer could get in their area and then we would look for the least expensive plan G.
We would then compare the difference in price of those two plans and see how much different the monthly premium was. We would then multiply that by 12 we would see what an
individual’s annual savings would be if they were to switch to a plan G.
Then we would compare that to the difference in the plans, which is the Part B deductible. If the annual savings was more than the current Part B deductible, then sometimes it made sense to change to a plan G to save money and in this case we were only looking at what is going to happen as far as the monthly premium for the following 12 months.
The reason for this is that we know that every insurance company that we currently work with, when we quote a rate for a Medicare supplement plan, that rate is locked in and will not change for 12 months. At the end of 12 months, the Medicare supplement policy that you’re on may have a rate increase, and this is another important factor that we take into consideration when we might be considering more of a long-term strategy as compared to just looking at the next 12 months.
The plan F had been a very popular plan during this period of time for a few reasons. It had been around for a while, people knew what it was, people understood how it worked and it paid for all of the out-of-pocket expenses that Medicare did not cover for doctor and hospital bills that were covered under Part A or Part B. An individual could be confident to know that if they had a Medicare supplement plan F, they would not have any other out-of-pocket expenses for doctor hospital bills and this was certainly a good thing.
One issue was we started to see larger increases in the plan F than we did for individuals that we started moving to a plan G and there are a number of reasons why this was happening.
How Rate Increases Happen
Before we continue, I want to explain a little bit about how rate increases happen on a Medicare supplement policy. Whenever you get a Medicare supplement plan, you are added to a group of people. That group is determined by where you live, what plan letter that you choose and also what insurance company that you enroll with.
When you join a group of people you then share the risk together for the future. Your insurance company is required to keep very accurate records of all of the premiums that are paid to the insurance company from that group and also all of the claims that they pay out to individuals in that group. They are required to maintain a minimum ratio 80% premiums to claims.
What this means is that for every $100 everyone in your group pays to the insurance company, they are required to pay back out at least $80 in claims. If the insurance company, after submitting their numbers to the insurance commissioner each year can show that they have paid out more than 80%, they do ask permission for a rate adjustment.
Therefore you will normally see a rate increase on your Medicare supplement premium on an annual basis. The insurance company can not single you out. If you get a rate increase on your Medicare supplement plan, so does everyone else on that plan in your area.
What was happening is we started to notice that customers that we had on a Plan F, compared to those that had the plan G, when there was a rate increase, the percentage of increase
on the plan F tended to be a larger percentage. This caused some difficulty because what it made us do is we had to move these customers more often.
When I say move, what I mean is that we do an annual review for all of our customers every year. We’re going to know in advance when a rate increases is coming. We will know what your current rate is and we will know what your new rate is going to be in the near future. We can compare the new rate to other companies offer that same plan in your area and then we can make a change or move you if doing so would assist you in getting the cost of your
Medicare supplement plan down to a lower amount. Obviously if we can wait longer before we have to consider making a move it is a good thing for our customer.
Plan F Was Getting Larger rate Increases Compared to Plan G
There are a few reasons that the plan F was experiencing larger increases and it has to do with some of the rules in the Medicare system. One reason why the plan G was getting smaller increases is because of the difference between a plan F and a plan G. The plan F does not have a deductible, but the plan G does have a Part B deductible.
In the year 2019, when this was written, the Part B deductible was $185. That can change in the future. If a person has a Medicare supplement plan G, their Part B deductible will reset each calendar year. The first $185 of Part B medical care that an individual receives each year that’s not covered by Part A, that is, it’s under Part B, you are responsible for the first $185.
This simply means that as a group, individuals who have a plan G, there is at least a slight psychological deterrent built in to prevent unneeded overuse. Simply put, an individual who has a Medicare supplement plan G, they might be a little more cautious and a little less likely to receive medical care when it’s not needed, therefore the claims in the group who have the plan G are going to be smaller, therefore their rate increases will also be less in the
future.
Guaranteed Issue
Another important factor to understand why the plan F was receiving larger rate increases has to do with the idea that there are some circumstances where a plan F group would have to accept new enrollees without asking any health questions. There are a couple of reasons why individuals who aregetting a Medicare supplement plan can get a plan F without asking any health questions.
In other words, it is guaranteed issue. If the individual, in the same circumstance wanted to get a plan G, they would have to go through underwriting and answer health questions before they could get an approval.
One common situation is if an individual turns age 65 and they are eligible to get Part A and Part B of Medicare, but they may still be working or they have access to a group health plan at a spouse’s place of employment. When they do stop working and leave the group plan, they do have the option to get a Medicare supplement plan.
They do not have an open enrollment, but they do have guaranteed issue rights. The guaranteed issue rights state that an individual has the right to purchase certain plan letters without answering any health questions. Currently that includes Plan F but it does not
include plan G.
Another example is if an individual may have a Medicare Advantage plan, which is a network policy and for one or more different reasons they are losing that coverage. This could include moving or it could be that the Medicare Advantage plan has decided to no longer offer that plan in their area.
If this is the case, then this individual also has a guaranteed issue right and they can get a Medicare supplement plan F without answering any health questions. If the same individual wants a plan G, they will have to go through underwriting and answer health questions and get approved.
Why Is This Important?
The reason why this may be important to you is because if you are in a group of individuals and your rates in the future depend on the claims that are experienced by everyone in your group, it’s better for you to have healthy people join your group as compared to those who may have some health challenges.
Therefore if you are on a plan F, it is possible, if you stay on the plan F for a few years in a row there are a considerable number of individuals who may be joining your plan that may have higher claims then someone else who might decide to get on a plan G.
On the other hand, if you do have a plan G and individuals are joining your group who have had to go through underwriting, who have had to answer some health questions and may be a little healthier, that’s good for you because they will be paying into the system and they may not be taking out of the systemin the area of claims as much as an individual who has had to go to a plan F.
This Trend Has Begun To Change!
This is a trend that we started to see over time. Individuals that we put on a plan F compared to those who we put on a plan G saw higher rate increases percentages. However we are now starting to see some changes in this trend and this is one of the reasons why the plan N has become more of an attractive offer. People are more interested in the plan N. People are asking about it and doing research about plan N.
One of the things that has caused this change is a law that was passed back in 2015. This law was called MACRA. MACRA stands for the Medicare Access and Chip Reauthorization Act. For the purposes of post, we are talking about MACRA for a couple of reasons.
The first thing to mention is that in the future, individuals who are new to Medicare, this means individuals who turn 65 on or after January 1, 2020 will no longer be able to get a
Medicare supplement plan F. Plan F is not going away. Anyone who has a plan F now can keep it. Anyone who turns 65 before January 1, 2020 will still be able to get a plan F.
However no new individuals can get a plan F. If you currently have a plan F and there are no new to Medicare people able to choose a Plan F, you are basically in what we refer to as a closed group. If you are in a closed group, really the only thing that can happen is people can leave your group, but no new healthy individuals are able to join your group. If we look at that situation as far as the long term impact is concerned, that’s
not a good place to be.
Another thing that has been determined is that individuals who have guaranteed issue situations in the future will no longer be able to get a plan F. In the future is guaranteed issue is going to be plan G. What this means to you is if you are considering a plan G or if you currently are on a plan G in the future there are individuals who will be able to join your group and these individuals may be joining your group under guaranteed issue circumstances. They do not have to answer any health questions.
This all brings us back to the very beginning: – Should you consider a plan N? –
We are going to say YES. You should at least be aware of the plan N. Starting next year the plan N will be a plan that you can go to and know that for the foreseeable future, no individuals will be able to choose the plan N under guaranteed issue circumstances. This will be helpful in the future. We have also continued to see very low very stable price increases on individuals who have the plan N.
How Does Plan N Work?
Plan N is very similar to a plan F or a plan G in several situations. It is exactly the same if you receive medical care covered under Part A. Part A of Medicare is called Hospital. Part A covers you if you are admitted to the hospital or if you are in a skilled nursing facility or rehab center or hospice care.
A plan F, a plan G and a N in will all pay 100% for any medical care that is received under Part A. If you’re admitted to the hospital, when you come home you should not receive any medical bills from the hospital.
The plan G and the plan N are also the same in that you are responsible for the Part B deductible. The Part B deductible for the year 2019 is $185. This number can change in the future. This resets each calendar year. If you have a Plan N, you will pay the first $185 or whatever the Part B deductible is in the future. You will pay that deductible for any Part B medical care, starting at the beginning of each calendar year.
There are a few things that are different about the plan N. First, if you have a doctor visit after your Part B deductible is covered, if the doctor sends a claim to Medicare that includes a doctor office visit fee, you will have a co-payment. You’re going to pay twenty percent of the doctor office visit fee on a sliding scale, but with a maximum of $20.
If we’re talking to individuals who do have a number of different health conditions that they are dealing with maybe they have a number of specialists and they go to the doctor quite often, maybe once a month or so, we most likely will not recommend the plan N to them because of the co-payments.
However if you are like many of the individuals that we work with and are relatively healthy and only go to the doctor on a routine basis a few times a year, then considering a plan N certainly is a good option.
Another possible out-of-pocket expense on a plan N is a maximum $50 co-payment at a hospital emergency room. If you are treated at the hospital emergency room and then are admitted to the hospital, there is no co-payment, If you go to some other urgent care facility that’s not a hospital emergency room, there is also no co-payment.
What Are Part B Excess Charges?
The last thing to mention about a Medicare supplement plan N is that the plan N does not pay for Part B excess charges. The Part B excess charge is a charge that a doctor can charge you up to 15% more than what Medicare combined with your Medicare supplement is normally paying a doctor.
Information that’s available to us from insurance companies that have researched this issue have shown that somewhere around 96% of doctors do accept assignment. This means that they will accept whatever Medicare is willing to pay together with the Medicare supplement plan as payment in full.
This means if a doctor does accept assignment, you will not have a Part B excess charge. It is very rare that an individual will have a Part B excess charge. Other information that has been made available to us by one of the major companies that we work with, Aetna Health and Life, has indicated that they were able to do some research and report to us that in the claims that they have processed in recent, 99% of those claims did not involve any Part B excess charges.
Based on this information, we do not feel like the issue of a Part B excess charge is a reason to be worried about getting a plan N or should cause
you to decide not to get a plan N. We do not consider this to be an important issue when you are considering getting get a plan N.
When Can You Get a Medicare Supplement Plan N?
Medicare supplement plans are considered guaranteed renewable insurance. This means as long as you pay your monthly premium, you can change your Medicare supplement anytime. You only agree to stay on a Medicare supplement plan one month at a time as you pay your monthly premium.
If you have a Medicare supplement plan now, you can price shop or consider changing your plan letter at any time. If you currently have a Medicare Advantage plan and you are considering changing to a Medicare supplement plan N, you most likely will need to wait until the Annual Election Period.
The Medicare Annual Election Period is from October 15th through December 7th. During this timeframe, you could send an application to an insurance company requesting enrollment in a Medicare supplement plan N. The plan N would start on January 1 of the following year.
If you are replacing a Medicare supplement policy or if you are moving from a Medicare Advantage plan to a Medicare supplement plan and you send an application to an insurance
company asking to enroll in a Medicare supplement plan N, in most cases you will have to answer some general health questions to get an approval.This is not a big problem, because we do help individuals move or change their Medicare supplement plan on a regular basis.
Should YOU Change to a Medicare Supplement Plan N?
If you would like to find out if you could qualify for a Medicare supplement plan N. If you are curious to see what the rates would be for you in your area, we would be very happy to talk to you about your options. I am an independent agent. I work with many different companies. I am currently licensed in 35 states.
This means I do work with individuals all throughout the United States My services to you are always free We are very friendly. We are very easygoing we would be very happy to spend the time to look at your situation, explain any options that you have and also assist you in the application process. We do most of the work for you.
I certainly do hope that you have found that the information in this post has been helpful to you. I know the choices of health insurance are very important. It is important for you
to have the proper information to help you in the decision making process.
If you have any questions about this subject or would like to speak to us about any of your Medicare needs in regards to Medicare supplement, Medicare Advantage or Part D prescription drug plans, I would certainly be very happy to speak with you.
I am an independent agent specializing in the senior market. I would be very happy to look at your current coverage and compare it to the marketplace to make sure that you are still getting a good value.
My services to you will always be FREE.
Billy Williams800-499-1942MedicareHealthInsuranceOptions.com
The post Medicare Supplement Plan N, Why Now? – MACRA Impact on Plan G appeared first on .
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Caught a candid moment of my wife Sarah on a serene summer afternoon. She's framed against a simple backdrop that really brings out the vibrant blues of her top and her pendant necklace. Her easygoing smile reflects the relaxed vibe of the day.
enoden is 2 or 4-car local train along the seaside between Kamakura and Fujisawa.
a lot of people like this nostalgic appearance and easygoing atmosphere.
with OLYMPUS OM40
'Spring Grove'...sounds like a level out of vintage Sonic The Hedgehog but is actually a pub (and formerly renovated hotel) in lovely leafy Kingston. A short (but somewhat confusing) walk from Kingston Rail Station, The Spring Grove lives in an area quiet enough for me be able to stand in the middle of the road for long enough to take multiple pictures of the front (as you can see in the pictures)
It is some shade of gunmetal grey and stands a very noticeable 3 stories high at the end of Bloomfield Rd. It used to be the Spring Grove Hotel - and you can see - the building has some character and age. As for how It feels 'light' here in the main part, well designed for light to come through the various windows and a central skylight. How about human ambiance? The staff wear checked shirts and are young, probable students with minimal to moderate amounts of tattoos. One wears a Scroobius Pip t-shirt under her checked shirt. It's a chill, youthful atmosphere here. Maybe it's all that Kingston Uni shit rubbing off on the surrounding area?
As for the food and drink, they seem to be keen on Meantime's ales, along with, obviously, their own range of Young's beers. They could probably do better on the cider choices - they only have Aspall (not that there's anything wrong with Aspall). The food is basically pushing 'gastropub' (but perhaps not quite at THAT level of price and ATTENTION TO DETAIL). The Cote De Bouef platter shared between me and my buddy Adam was pretty legit (even though they told me they wouldn't do it blue). All in all it's not the most memorable or unusual pub I've been to, but for consistency, easygoing atmosphere, area (and a beautiful area it is)... plus that amazing garden - I would recommend it!
How difficult is it to say what you preferred in SF!? I simply loved this place, I think it's the atmosphere... and well also the fact that I was on holiday and everything is so great when you're off work!
But seriously - being in a big american city and yet feeling a sense of relaxed, easygoing life is really cool. You're not just surrounded by massive skyscrapers like most of Manhattan island for instance, but you come across these really gorgeous houses pretty much everywhere you walk round San Fran.
I'll admit I'm a big fan of "bow windows" and the Victorian style but they look like doll houses... in the middle of a city!
TypeTogether was entrusted to develop QlikView Sans, a custom four-style typeface for the software company QlikTech International, which specialises in web-based applications for self-service data visualisation. The primary goals were to create a typeface that performs well on digital platforms in small pixel sizes, works naturally and effectively with large amounts of data, and unifies the look and feel of Qlik’s products internationally. TypeTogether added carefully chosen humanistic elements to grotesque letter structures to create an exclusive typeface that excels in function, clarity, and has an easygoing tone — QlikView Sans. TypeTogether makes tailored typefaces for organizations all over the world, so please get in touch if you’d like to discuss your organization’s needs for custom typefaces.
'Spring Grove'...sounds like a level out of vintage Sonic The Hedgehog but is actually a pub (and formerly renovated hotel) in lovely leafy Kingston. A short (but somewhat confusing) walk from Kingston Rail Station, The Spring Grove lives in an area quiet enough for me be able to stand in the middle of the road for long enough to take multiple pictures of the front (as you can see in the pictures)
It is some shade of gunmetal grey and stands a very noticeable 3 stories high at the end of Bloomfield Rd. It used to be the Spring Grove Hotel - and you can see - the building has some character and age. As for how It feels 'light' here in the main part, well designed for light to come through the various windows and a central skylight. How about human ambiance? The staff wear checked shirts and are young, probable students with minimal to moderate amounts of tattoos. One wears a Scroobius Pip t-shirt under her checked shirt. It's a chill, youthful atmosphere here. Maybe it's all that Kingston Uni shit rubbing off on the surrounding area?
As for the food and drink, they seem to be keen on Meantime's ales, along with, obviously, their own range of Young's beers. They could probably do better on the cider choices - they only have Aspall (not that there's anything wrong with Aspall). The food is basically pushing 'gastropub' (but perhaps not quite at THAT level of price and ATTENTION TO DETAIL). The Cote De Bouef platter shared between me and my buddy Adam was pretty legit (even though they told me they wouldn't do it blue). All in all it's not the most memorable or unusual pub I've been to, but for consistency, easygoing atmosphere, area (and a beautiful area it is)... plus that amazing garden - I would recommend it!
Deni is probably half Australian Cattledog and half Egyptian Pharaoh Hound. A 'rescue' my brother brought home from Florida, he's about 50 pounds (20 kilos) with a long, ploofy tail and super-cuddly fur. He has a very soft personality and a gentle demeanor.
Deni is a middle-level dog, a beta or gamma. His easy-going attitude is ingratiating with his house mates. Think, Wilt from Foster's Home: tall, red, and slightly goofy. Or the Sea Turtle from Finding Nemo.
Here he plays model for my cruel experiments. This is a photograph by ambient light.
Coola was found orphaned on a highway near Bella Coola, BC. His mother had been killed by a truck and, of her three cubs, Coola was the only one to survive. Coola is an easygoing bear who’s content to let Grinder take the lead in new discoveries.
It's been six weeks or so since I used my DSLR.
This morning was the ripe time to dust it off and take some easygoing snaps at sunrise on Durban Beachfront.
No heavy processing like I'm used to and love - only my standard Lightroom preset.
Great to get out and play with the Nifty-Fifty (50 mm).
the bears get pieces of animal hides to play with.
In 2002 Spirit became the first Montana Grizzly to be placed at the Center. As a six-year-old, mother of two, Spirit was known by Fish, Wildlife and Parks biologists as "Easy" because of her easygoing personality and was often seen roaming the beach or golf course near the community in Whitefish, Montana. She obtained some human food and was passing on this behavior to both her cubs. Although she never was involved with aggressive tendency toward humans, it was only a matter of time before a dangerous situation became a reality. Spirit was relocated six times, but continued to return to the golf community even after intensive aversive conditioning with the use of Karelian Bear Dogs, cracker shells and rubber bullets. After one of her cubs was killed by a car, officials decided to remove the other cub by placing it in captivity at the Denver Zoo, and then to remove Spirit from the wild forever. Soon after arriving at the Center, this bear received the name Spirit in honor of the spritual signigicance of grizzlies to many Native American people.
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Are you looking for detailed information to help you decide if you should enroll in a Medicare supplement plan N? This post will provide considerable details about the Medicare supplement plan N.
Back To The Beginning
To start, we’re going to begin by going back in time to a little bit before the plan N was first introduced to the market. To do that, we’ll need to go back to the year 2010.
In the year 2010 the Medicare supplement plan letters that were available to the marketplace went through a little bit of an update. During this time, there were a few plans that were very similar, for example the plan G, plan H and the Plan I were very similar. The plan H and the plan I were removed and just the plan G was left to replace those three plans.
The plan J and the plan F were also very similar so those plans were also merged together to give us what’s considered the current day standard Plan F. There was a plan E that was removed from the list and then there were four different new plans that were added to the choice of Medicare supplement plan letters. Those include plan k, plan L, plan M and plan N. I’ve never sold a plan K or plan L or plan M as these plans do not have a good value, therefore we do not recommend them to our customers.
However the plan N is certainly a plan that has been worth considering since the first implementation of this plan into the marketplace in June of 2010. Even though the plan N did became available in the marketplace about 9 years ago, in the early years it wasn’t that very well known it wasn’t that popular we did not have a lot of people choosing the plan N during this timeframe.
Plan F and Plan G – Both Popular For a Long Time
Primarily we were looking at the plan F and the plan G. The reason we’re talking about the plan F and the plan G is because things that changed with respect to these two plans do affect our decision-making process whenever we may recommend a plan N to our customers.
For several years after these updates were made back in 2010, we would look at the plan F and we would look at the plan G when we were recommending plans to one of our current or prospective customers.
We would first look at the list of companies that we felt confident in doing business with and then we would find the least expensive plan F that our customer could get in their area and then we would look for the least expensive plan G.
We would then compare the difference in price of those two plans and see how much different the monthly premium was. We would then multiply that by 12 we would see what an
individual’s annual savings would be if they were to switch to a plan G.
Then we would compare that to the difference in the plans, which is the Part B deductible. If the annual savings was more than the current Part B deductible, then sometimes it made sense to change to a plan G to save money and in this case we were only looking at what is going to happen as far as the monthly premium for the following 12 months.
The reason for this is that we know that every insurance company that we currently work with, when we quote a rate for a Medicare supplement plan, that rate is locked in and will not change for 12 months. At the end of 12 months, the Medicare supplement policy that you’re on may have a rate increase, and this is another important factor that we take into consideration when we might be considering more of a long-term strategy as compared to just looking at the next 12 months.
The plan F had been a very popular plan during this period of time for a few reasons. It had been around for a while, people knew what it was, people understood how it worked and it paid for all of the out-of-pocket expenses that Medicare did not cover for doctor and hospital bills that were covered under Part A or Part B. An individual could be confident to know that if they had a Medicare supplement plan F, they would not have any other out-of-pocket expenses for doctor hospital bills and this was certainly a good thing.
One issue was we started to see larger increases in the plan F than we did for individuals that we started moving to a plan G and there are a number of reasons why this was happening.
How Rate Increases Happen
Before we continue, I want to explain a little bit about how rate increases happen on a Medicare supplement policy. Whenever you get a Medicare supplement plan, you are added to a group of people. That group is determined by where you live, what plan letter that you choose and also what insurance company that you enroll with.
When you join a group of people you then share the risk together for the future. Your insurance company is required to keep very accurate records of all of the premiums that are paid to the insurance company from that group and also all of the claims that they pay out to individuals in that group. They are required to maintain a minimum ratio 80% premiums to claims.
What this means is that for every $100 everyone in your group pays to the insurance company, they are required to pay back out at least $80 in claims. If the insurance company, after submitting their numbers to the insurance commissioner each year can show that they have paid out more than 80%, they do ask permission for a rate adjustment.
Therefore you will normally see a rate increase on your Medicare supplement premium on an annual basis. The insurance company can not single you out. If you get a rate increase on your Medicare supplement plan, so does everyone else on that plan in your area.
What was happening is we started to notice that customers that we had on a Plan F, compared to those that had the plan G, when there was a rate increase, the percentage of increase
on the plan F tended to be a larger percentage. This caused some difficulty because what it made us do is we had to move these customers more often.
When I say move, what I mean is that we do an annual review for all of our customers every year. We’re going to know in advance when a rate increases is coming. We will know what your current rate is and we will know what your new rate is going to be in the near future. We can compare the new rate to other companies offer that same plan in your area and then we can make a change or move you if doing so would assist you in getting the cost of your
Medicare supplement plan down to a lower amount. Obviously if we can wait longer before we have to consider making a move it is a good thing for our customer.
Plan F Was Getting Larger rate Increases Compared to Plan G
There are a few reasons that the plan F was experiencing larger increases and it has to do with some of the rules in the Medicare system. One reason why the plan G was getting smaller increases is because of the difference between a plan F and a plan G. The plan F does not have a deductible, but the plan G does have a Part B deductible.
In the year 2019, when this was written, the Part B deductible was $185. That can change in the future. If a person has a Medicare supplement plan G, their Part B deductible will reset each calendar year. The first $185 of Part B medical care that an individual receives each year that’s not covered by Part A, that is, it’s under Part B, you are responsible for the first $185.
This simply means that as a group, individuals who have a plan G, there is at least a slight psychological deterrent built in to prevent unneeded overuse. Simply put, an individual who has a Medicare supplement plan G, they might be a little more cautious and a little less likely to receive medical care when it’s not needed, therefore the claims in the group who have the plan G are going to be smaller, therefore their rate increases will also be less in the
future.
Guaranteed Issue
Another important factor to understand why the plan F was receiving larger rate increases has to do with the idea that there are some circumstances where a plan F group would have to accept new enrollees without asking any health questions. There are a couple of reasons why individuals who aregetting a Medicare supplement plan can get a plan F without asking any health questions.
In other words, it is guaranteed issue. If the individual, in the same circumstance wanted to get a plan G, they would have to go through underwriting and answer health questions before they could get an approval.
One common situation is if an individual turns age 65 and they are eligible to get Part A and Part B of Medicare, but they may still be working or they have access to a group health plan at a spouse’s place of employment. When they do stop working and leave the group plan, they do have the option to get a Medicare supplement plan.
They do not have an open enrollment, but they do have guaranteed issue rights. The guaranteed issue rights state that an individual has the right to purchase certain plan letters without answering any health questions. Currently that includes Plan F but it does not
include plan G.
Another example is if an individual may have a Medicare Advantage plan, which is a network policy and for one or more different reasons they are losing that coverage. This could include moving or it could be that the Medicare Advantage plan has decided to no longer offer that plan in their area.
If this is the case, then this individual also has a guaranteed issue right and they can get a Medicare supplement plan F without answering any health questions. If the same individual wants a plan G, they will have to go through underwriting and answer health questions and get approved.
Why Is This Important?
The reason why this may be important to you is because if you are in a group of individuals and your rates in the future depend on the claims that are experienced by everyone in your group, it’s better for you to have healthy people join your group as compared to those who may have some health challenges.
Therefore if you are on a plan F, it is possible, if you stay on the plan F for a few years in a row there are a considerable number of individuals who may be joining your plan that may have higher claims then someone else who might decide to get on a plan G.
On the other hand, if you do have a plan G and individuals are joining your group who have had to go through underwriting, who have had to answer some health questions and may be a little healthier, that’s good for you because they will be paying into the system and they may not be taking out of the systemin the area of claims as much as an individual who has had to go to a plan F.
This Trend Has Begun To Change!
This is a trend that we started to see over time. Individuals that we put on a plan F compared to those who we put on a plan G saw higher rate increases percentages. However we are now starting to see some changes in this trend and this is one of the reasons why the plan N has become more of an attractive offer. People are more interested in the plan N. People are asking about it and doing research about plan N.
One of the things that has caused this change is a law that was passed back in 2015. This law was called MACRA. MACRA stands for the Medicare Access and Chip Reauthorization Act. For the purposes of post, we are talking about MACRA for a couple of reasons.
The first thing to mention is that in the future, individuals who are new to Medicare, this means individuals who turn 65 on or after January 1, 2020 will no longer be able to get a
Medicare supplement plan F. Plan F is not going away. Anyone who has a plan F now can keep it. Anyone who turns 65 before January 1, 2020 will still be able to get a plan F.
However no new individuals can get a plan F. If you currently have a plan F and there are no new to Medicare people able to choose a Plan F, you are basically in what we refer to as a closed group. If you are in a closed group, really the only thing that can happen is people can leave your group, but no new healthy individuals are able to join your group. If we look at that situation as far as the long term impact is concerned, that’s
not a good place to be.
Another thing that has been determined is that individuals who have guaranteed issue situations in the future will no longer be able to get a plan F. In the future is guaranteed issue is going to be plan G. What this means to you is if you are considering a plan G or if you currently are on a plan G in the future there are individuals who will be able to join your group and these individuals may be joining your group under guaranteed issue circumstances. They do not have to answer any health questions.
This all brings us back to the very beginning: – Should you consider a plan N? –We are going to say YES. You should at least be aware of the plan N. Starting next year the plan N will be a plan that you can go to and know that for the foreseeable future, no individuals will be able to choose the plan N under guaranteed issue circumstances. This will be helpful in the future. We have also continued to see very low very stable price increases on individuals who have the plan N.
How Does Plan N Work?
Plan N is very similar to a plan F or a plan G in several situations. It is exactly the same if you receive medical care covered under Part A. Part A of Medicare is called Hospital. Part A covers you if you are admitted to the hospital or if you are in a skilled nursing facility or rehab center or hospice care.
A plan F, a plan G and a N in will all pay 100% for any medical care that is received under Part A. If you’re admitted to the hospital, when you come home you should not receive any medical bills from the hospital.
The plan G and the plan N are also the same in that you are responsible for the Part B deductible. The Part B deductible for the year 2019 is $185. This number can change in the future. This resets each calendar year. If you have a Plan N, you will pay the first $185 or whatever the Part B deductible is in the future. You will pay that deductible for any Part B medical care, starting at the beginning of each calendar year.
There are a few things that are different about the plan N. First, if you have a doctor visit after your Part B deductible is covered, if the doctor sends a claim to Medicare that includes a doctor office visit fee, you will have a co-payment. You’re going to pay twenty percent of the doctor office visit fee on a sliding scale, but with a maximum of $20.
If we’re talking to individuals who do have a number of different health conditions that they are dealing with maybe they have a number of specialists and they go to the doctor quite often, maybe once a month or so, we most likely will not recommend the plan N to them because of the co-payments.
However if you are like many of the individuals that we work with and are relatively healthy and only go to the doctor on a routine basis a few times a year, then considering a plan N certainly is a good option.
Another possible out-of-pocket expense on a plan N is a maximum $50 co-payment at a hospital emergency room. If you are treated at the hospital emergency room and then are admitted to the hospital, there is no co-payment, If you go to some other urgent care facility that’s not a hospital emergency room, there is also no co-payment.
What Are Part B Excess Charges?
The last thing to mention about a Medicare supplement plan N is that the plan N does not pay for Part B excess charges. The Part B excess charge is a charge that a doctor can charge you up to 15% more than what Medicare combined with your Medicare supplement is normally paying a doctor.
Information that’s available to us from insurance companies that have researched this issue have shown that somewhere around 96% of doctors do accept assignment. This means that they will accept whatever Medicare is willing to pay together with the Medicare supplement plan as payment in full.
This means if a doctor does accept assignment, you will not have a Part B excess charge. It is very rare that an individual will have a Part B excess charge. Other information that has been made available to us by one of the major companies that we work with, Aetna Health and Life, has indicated that they were able to do some research and report to us that in the claims that they have processed in recent, 99% of those claims did not involve any Part B excess charges.
Based on this information, we do not feel like the issue of a Part B excess charge is a reason to be worried about getting a plan N or should cause
you to decide not to get a plan N. We do not consider this to be an important issue when you are considering getting get a plan N.
When Can You Get a Medicare Supplement Plan N?
Medicare supplement plans are considered guaranteed renewable insurance. This means as long as you pay your monthly premium, you can change your Medicare supplement anytime. You only agree to stay on a Medicare supplement plan one month at a time as you pay your monthly premium.
If you have a Medicare supplement plan now, you can price shop or consider changing your plan letter at any time. If you currently have a Medicare Advantage plan and you are considering changing to a Medicare supplement plan N, you most likely will need to wait until the Annual Election Period.
The Medicare Annual Election Period is from October 15th through December 7th. During this timeframe, you could send an application to an insurance company requesting enrollment in a Medicare supplement plan N. The plan N would start on January 1 of the following year.
If you are replacing a Medicare supplement policy or if you are moving from a Medicare Advantage plan to a Medicare supplement plan and you send an application to an insurance
company asking to enroll in a Medicare supplement plan N, in most cases you will have to answer some general health questions to get an approval.This is not a big problem, because we do help individuals move or change their Medicare supplement plan on a regular basis.
Should YOU Change to a Medicare Supplement Plan N?
If you would like to find out if you could qualify for a Medicare supplement plan N. If you are curious to see what the rates would be for you in your area, we would be very happy to talk to you about your options. I am an independent agent. I work with many different companies. I am currently licensed in 35 states.
This means I do work with individuals all throughout the United States My services to you are always free We are very friendly. We are very easygoing we would be very happy to spend the time to look at your situation, explain any options that you have and also assist you in the application process. We do most of the work for you.
I certainly do hope that you have found that the information in this post has been helpful to you. I know the choices of health insurance are very important. It is important for you
to have the proper information to help you in the decision making process.
If you have any questions about this subject or would like to speak to us about any of your Medicare needs in regards to Medicare supplement, Medicare Advantage or Part D prescription drug plans, I would certainly be very happy to speak with you.
I am an independent agent specializing in the senior market. I would be very happy to look at your current coverage and compare it to the marketplace to make sure that you are still getting a good value.
My services to you will always be FREE.
Billy Williams 800-499-1942 MedicareHealthInsuranceOptions.com
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Queen Anne: Take in the splendid view and architectural curiosities. For an easygoing stroll of an hour or so, go to the southwest corner of the hilltop. Start at West Highland Drive, just west of Queen Anne Avenue North. Make Kerry Park your first stop. The streetside strip of greenery has jaw-dropping views of downtown Seattle, Elliott Bay and, on clear days, snowy Mount Rainier.
Walk north from the viewpoint (Kerry Park) onto Eighth Place West (which leads into Eighth Avenue West). These next several blocks are a scenic boulevard with decorative balustrades topped with old-fashioned streetlights. IT's quite lovely, really. Lots and lots of beautiful homes. These are but a few of the many lovely--huge--homes in Seattle's Queen Ann hill.
CAMPUS SUTRA
Know more about Campus Sutra Products (www.bewakoof.com/campus-sutra)
In the present age and time, being easygoing is the new cool. What's more, Campus Sutra is one such brand from Bazaar by Bewakoof which conveys great easygoing sweatshirts, coats and hoodies - which are inseparable from solace and style. On the off chance that you are about style and backtalk, you will prize the assortment by Campus Sutra accessible at Bewakoof. However, before that, we should take a look at what is Bazaar by Bewakoof.
Kermit is an outrageously affectionate two-year-old male who loves attention and never seems to stop purring. Apparently abandoned in an industrial parking lot in Brooklyn at the beginning of winter, this gregarious fellow literally ran out from under a car to greet us with a loud, enthusiastic MEOW! and big head butts to our legs. If you want an easygoing, uncomplicated love machine of a cat, he's your guy. Go here for HERE for adoption information.
the bears get pieces of animal hides to play with.
In 2002 Spirit became the first Montana Grizzly to be placed at the Center. As a six-year-old, mother of two, Spirit was known by Fish, Wildlife and Parks biologists as "Easy" because of her easygoing personality and was often seen roaming the beach or golf course near the community in Whitefish, Montana. She obtained some human food and was passing on this behavior to both her cubs. Although she never was involved with aggressive tendency toward humans, it was only a matter of time before a dangerous situation became a reality. Spirit was relocated six times, but continued to return to the golf community even after intensive aversive conditioning with the use of Karelian Bear Dogs, cracker shells and rubber bullets. After one of her cubs was killed by a car, officials decided to remove the other cub by placing it in captivity at the Denver Zoo, and then to remove Spirit from the wild forever. Soon after arriving at the Center, this bear received the name Spirit in honor of the spritual signigicance of grizzlies to many Native American people.
(If you'd like to use any of these photos for anything pls contact Kris Krüg first - kriskrug@gmail.com or 778. 898. 3076. Thank you! (c) (r) (tm) 2016)
Welcome to the internet home of the Fernwood Road Cafe. This beautiful little spot on Salt Spring Island is the dreamchild of Jennifer and David Shaw. Transplants from North Vancouver (though Jennifer has a long family history with Salt Spring), Jennifer and David purchased the Fernwood Road Cafe on October 1, 2011 and have been living the Island dream since.
Coming from a background as a lawyer, a custom cake designer (yes, those are wildly different professions) and years of coffee education at Starbucks, Jennifer brings a history of business and a desire to give 110% to everything that she does. Whether it’s making your favorite non-fat, half-sweet, decaf, extra hot, wet vanilla cappuccino or serving up a slice of her Grandma’s Secret Recipe lemon cake, Jennifer strives to do her best.
His background in the travel industry (Evergreen Tours) and many years of working for Islanders’ favorite transportation company, gives David a unique perspective on Island life and the challenges of a community reliant on tourism and restricted transportation links. David’s easygoing manner hides his serious side, but there is nothing more serious that making sure that every patron at the cafe has an enjoyable experience.
At Fernwood Road Cafe, we are here for the long run. We strive to be a part of the community and are always looking for new ways to bring people together to talk, play and expand their horizons.
I also love how this kid can manage to look grumpy in front of a camera, especially when he's a pretty happy, easygoing guy.