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paolos83blog · 2 years

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What To Expect In A Life Insurance Medical Exam

Chances are, you know you need life insurance if you have loved ones who count on you for financial support. A payout from a policy would help them pay the bills and keep them afloat if something happens to you.

But you might be dragging your feet when it comes to applying for life insurance because of the medical exam. Perhaps you don’t have the time or simply don’t want to get poked or prodded.

Don’t let the prospect of a medical exam deter you from getting life insurance. The exam probably isn’t nearly as bad as you think.

Here’s a look at why life insurance companies require a medical exam and what it entails.

Why Life Insurance Companies Require a Medical Exam

Life insurance companies use a process called underwriting, which determines the risk of applicants, including expected life expectancy. This helps insurers price life insurance policies accurately to protect themselves financially.

It also helps prevent healthy people from overpaying for coverage to subsidize those who aren’t as healthy. Healthier applicants are more likely to get lower insurance rates. And those with health conditions and at older ages will pay more or could possibly be declined for coverage.

A big part of the underwriting process involves gathering information about an applicant’s health. Insurers ask you to fill out an application with questions about:

Your medical history

Your past and current prescriptions

Your family’s medical history (parents and siblings)

Your driving record

Amy dangerous hobbies

International travel plans

A fully underwritten policy takes all medical and personal information into account. That typically includes a medical exam to verify your information and determine whether you have health conditions that could affect your life expectancy.

What a Life Insurance Medical Exam Entails

A life insurance medical exam doesn’t require you to give up an entire day. It can take just 15 to 45 minutes, depending on what tests are included.

You’ll generally be asked questions about your medical history during a phone interview before your exam, and the examiner will review them again in person.

Here’s a sample of the type of information you should have on hand:

Names and dosages of medications, for past and current conditions.

Names, addresses and phone numbers of doctors visited in the past five years.

List of medical conditions, dates of diagnoses, treatment, treatment outcome and treating physician contact information.

Driver’s license number and expiration date.

During the exam, your height, weight, pulse and blood pressure will be recorded. You likely will have to provide a urine sample and have blood drawn to test for health issues such as elevated cholesterol or blood sugar levels, and to screen for nicotine and drug use.

If you’re over age 50 and applying for a high amount of life insurance, such as $1 million and up, you might be required to take an electrocardiogram (EKG) which is painless. Electrodes will be placed on you to record the electrical activity in your heart. The guidelines for who needs an EKG will vary by insurer. You won’t have to undress during the exam, but it’s good to wear loose clothing if your test involves an EKG.

Occasionally some insurers might require an X-ray or treadmill stress test, which needs to be done at a doctor’s office or clinic.

If you’re age 70 or older, you might have to take an additional test of your cognitive ability.

How to Get a Life Insurance Medical Exam

Not only is a life insurance medical exam relatively quick, it’s also easy to get. Insurance companies partner with paramedical companies that provide testing services, such as ExamOne and APPS-Paramedical Services.

Typically, a representative from the medical testing service will contact you to schedule an appointment. The insurer will cover the cost of the exam.

You can choose to have the test done at your home or workplace, and a nurse or paramedical professional will come to you. If you choose your workplace, keep in mind that it could be awkward to deliver the urine sample from the bathroom to your examiner.

Or you may be able to have the test done at one of the paramedical service’s exam centers.

Delaying the exam will only slow the process of getting insurance coverage, so you’ll want to schedule your exam for the earliest possible date.

How to Prepare for a Medical Exam

The results of your medical exam will play a big part in the rate you’ll pay for life insurance. It’s important to take the test seriously. Granted, you won’t be able to make major changes to your health in the short period between applying for insurance and taking the exam. But there are things you can do to get the best results possible.

24 hours before the exam: Limit salt and high-cholesterol foods such as red meat; avoid over-the-counter medications such as antihistamines and nasal decongestants.

12 hours before the exam: Refrain from alcoholic beverages and strenuous exercise, which can raise blood pressure levels.

One hour before the exam: Avoid caffeine and nicotine; drink a glass of water. Being hydrated will help with the blood test.

At the exam: Have a photo ID and application paperwork; wear short sleeves or sleeves that can be rolled up so your blood can be drawn and blood pressure can be taken

When scheduling your exam, ask whether you need to fast. You might have to avoid eating and drinking anything other than water during the 12 hours before your exam.

Getting the Results of Your Life Insurance Medical Exam

You may be able to access the results of your blood and urine tests, depending on the paramedical company that conducted the test. For example, ExamOne — which is one of the top paramedical services — provides results within seven to 14 days after an exam. Applicants can register on the ExamOne website and be notified by email when their results are available.

To find out whether you can get your exam results, ask the representative you speak with when you schedule your exam. Or contact the paramedical company’s customer service.

Other Ways Insurers Get Information About You

In addition to your application and medical exam, insurers gather information about you in a variety of ways. They get information about your health by:

Reviewing your medical records

Using a third-party company, such as Milliman Intelliscript, to check your prescription history

Utilizing the MIB Group database to verify information on your application

Life insurance companies may also check:

Your motor vehicle report for violations that would show that you engage in risky behavior

Public records to verify your personal information

What property you own

If you have a criminal record or other information that shows you’re a risk to insure

Your credit

Your social media, to see if you’re engaging in risky behavior

Third-party financial statements, such as tax returns or documents from an accountant, if you apply for coverage worth several million dollars

Insurers use all of this information to determine your underwriting classification — which is also called a risk or rate class. Insurers usually have preferred and standard rate classes but might also have preferred plus and standard plus classes. They usually also have a substandard category for people with more severe health conditions.

Those in the preferred plus and preferred classes get the lowest rates. To qualify for the best rates, you must generally:

Be in good health with no tobacco use in the past three to five years

Have a clean driving record

No history of drug or alcohol treatment

No family history of heart disease or cancer before age 60

How to Avoid the Medical Exam

You can avoid taking a life insurance medical exam if you’re worried about how your health will affect your rate or ability to get coverage — or if you simply don’t want to bother with an exam.

Many insurers offer no-exam life insurance policies. Companies such as Haven Life even offer a “fully underwritten” policy that doesn’t require an exam. Fully underwritten policies tend to be the most affordable option for many applicants, especially if you’re healthier and younger. That’s because they offer the most information to the insurer, which uses that information to accurately price a policy.

These three types of underwriting don’t involve a medical exam.

Accelerated underwriting

Many life insurance providers today offer no-exam policies and a speedier application process.

There are also options for fast life insurance, where providers use data and algorithms to quickly decide on a term life insurance quote for you. These options are generally available to younger (under 50 or 60), healthier applicants.

Simplified issue life insurance

The simplified issue life insurance underwriting process does not require a medical exam. Applicants have to answer a few questions about medical history and lifestyle. There might be a check of third-party data sources, such as prescription history.

Because less information is gathered and no medical exam is required, simplified issue policies will have higher rates than fully underwritten and accelerated underwriting policies — even for healthy people. It’s also common for insurers to limit the amount of coverage available under a simplified issue policy.

Guaranteed issue life insurance

You don’t have to take a medical exam or answer health questions to get a guaranteed issue policy. These policies are a way to get coverage if you’re in poor health. They tend to be tailored to older adults with limited financial resources who are looking for a small policy to provide for funeral and final expenses. And guaranteed issue policies are usually the most expensive type of policy for the amount of coverage you get.

If you’re young and healthy, push past any fears you might have of taking a medical exam. Then you’ll be more likely to get the coverage you need at the best price.

Credits: Cameron Huddleston

Source: https://www.forbes.com/advisor/life-insurance/medical-exam/

Date: May 18, 2022

#areteautomation #lifehealthadvisors #learning #careergoals #decision

0 notes

ej-sblog · 2 years

Text

What To Expect In A Life Insurance Medical Exam

But you might be dragging your feet when it comes to applying for life insurance because of the medical exam. Perhaps you don’t have the time or simply don’t want to get poked or prodded.

Don’t let the prospect of a medical exam deter you from getting life insurance. The exam probably isn’t nearly as bad as you think.

Here’s a look at why life insurance companies require a medical exam and what it entails.

Why Life Insurance Companies Require a Medical Exam

A big part of the underwriting process involves gathering information about an applicant’s health. Insurers ask you to fill out an application with questions about:

Your medical history

Your past and current prescriptions

Your family’s medical history (parents and siblings)

Your driving record

Amy dangerous hobbies

International travel plans

What a Life Insurance Medical Exam Entails

A life insurance medical exam doesn’t require you to give up an entire day. It can take just 15 to 45 minutes, depending on what tests are included.

You’ll generally be asked questions about your medical history during a phone interview before your exam, and the examiner will review them again in person.

Here’s a sample of the type of information you should have on hand:

Names and dosages of medications, for past and current conditions.

Names, addresses and phone numbers of doctors visited in the past five years.

List of medical conditions, dates of diagnoses, treatment, treatment outcome and treating physician contact information.

Driver’s license number and expiration date.

Occasionally some insurers might require an X-ray or treadmill stress test, which needs to be done at a doctor’s office or clinic.

If you’re age 70 or older, you might have to take an additional test of your cognitive ability.

How to Get a Life Insurance Medical Exam

Typically, a representative from the medical testing service will contact you to schedule an appointment. The insurer will cover the cost of the exam.

Or you may be able to have the test done at one of the paramedical service’s exam centers.

Delaying the exam will only slow the process of getting insurance coverage, so you’ll want to schedule your exam for the earliest possible date.

How to Prepare for a Medical Exam

24 hours before the exam: Limit salt and high-cholesterol foods such as red meat; avoid over-the-counter medications such as antihistamines and nasal decongestants.

12 hours before the exam: Refrain from alcoholic beverages and strenuous exercise, which can raise blood pressure levels.

One hour before the exam: Avoid caffeine and nicotine; drink a glass of water. Being hydrated will help with the blood test.

At the exam: Have a photo ID and application paperwork; wear short sleeves or sleeves that can be rolled up so your blood can be drawn and blood pressure can be taken

When scheduling your exam, ask whether you need to fast. You might have to avoid eating and drinking anything other than water during the 12 hours before your exam.

Getting the Results of Your Life Insurance Medical Exam

To find out whether you can get your exam results, ask the representative you speak with when you schedule your exam. Or contact the paramedical company’s customer service.

Other Ways Insurers Get Information About You

In addition to your application and medical exam, insurers gather information about you in a variety of ways. They get information about your health by:

Reviewing your medical records

Using a third-party company, such as Milliman Intelliscript, to check your prescription history

Utilizing the MIB Group database to verify information on your application

Life insurance companies may also check:

Your motor vehicle report for violations that would show that you engage in risky behavior

Public records to verify your personal information

What property you own

If you have a criminal record or other information that shows you’re a risk to insure

Your credit

Your social media, to see if you’re engaging in risky behavior

Third-party financial statements, such as tax returns or documents from an accountant, if you apply for coverage worth several million dollars

Those in the preferred plus and preferred classes get the lowest rates. To qualify for the best rates, you must generally:

Be in good health with no tobacco use in the past three to five years

Have a clean driving record

No history of drug or alcohol treatment

No family history of heart disease or cancer before age 60

How to Avoid the Medical Exam

You can avoid taking a life insurance medical exam if you’re worried about how your health will affect your rate or ability to get coverage — or if you simply don’t want to bother with an exam.

These three types of underwriting don’t involve a medical exam.

Accelerated underwriting

Many life insurance providers today offer no-exam policies and a speedier application process.

Simplified issue life insurance

Guaranteed issue life insurance

If you’re young and healthy, push past any fears you might have of taking a medical exam. Then you’ll be more likely to get the coverage you need at the best price.

CREDITS: Cameron Huddleston & Les Masterson

DATE: May 18, 2022

SOURCE: https://www.forbes.com/advisor/life-insurance/medical-exam/

#AreteAutomation #LifeHealthAdvisors #LifeInsurance #LifeInsurancePolicy #FinancialAdvisors #Knowledge #BestForHealth #HealthIsWealth #Life

0 notes

sheryllsblog · 2 years

Text

What To Expect In A Life Insurance Medical Exam

But you might be dragging your feet when it comes to applying for life insurance because of the medical exam. Perhaps you don’t have the time or simply don’t want to get poked or prodded.

Don’t let the prospect of a medical exam deter you from getting life insurance. The exam probably isn’t nearly as bad as you think.

Here’s a look at why life insurance companies require a medical exam and what it entails.

Why Life Insurance Companies Require a Medical Exam

A big part of the underwriting process involves gathering information about an applicant’s health. Insurers ask you to fill out an application with questions about:

Your medical history

Your past and current prescriptions

Your family’s medical history (parents and siblings)

Your driving record

Amy dangerous hobbies

International travel plans

What a Life Insurance Medical Exam Entails

A life insurance medical exam doesn’t require you to give up an entire day. It can take just 15 to 45 minutes, depending on what tests are included.

You’ll generally be asked questions about your medical history during a phone interview before your exam, and the examiner will review them again in person.

Here’s a sample of the type of information you should have on hand:

Names and dosages of medications, for past and current conditions.

Names, addresses and phone numbers of doctors visited in the past five years.

List of medical conditions, dates of diagnoses, treatment, treatment outcome and treating physician contact information.

Driver’s license number and expiration date.

Occasionally some insurers might require an X-ray or treadmill stress test, which needs to be done at a doctor’s office or clinic.

If you’re age 70 or older, you might have to take an additional test of your cognitive ability.

How to Get a Life Insurance Medical Exam

Typically, a representative from the medical testing service will contact you to schedule an appointment. The insurer will cover the cost of the exam.

Or you may be able to have the test done at one of the paramedical service’s exam centers.

Delaying the exam will only slow the process of getting insurance coverage, so you’ll want to schedule your exam for the earliest possible date.

How to Prepare for a Medical Exam

24 hours before the exam: Limit salt and high-cholesterol foods such as red meat; avoid over-the-counter medications such as antihistamines and nasal decongestants.

12 hours before the exam: Refrain from alcoholic beverages and strenuous exercise, which can raise blood pressure levels.

One hour before the exam: Avoid caffeine and nicotine; drink a glass of water. Being hydrated will help with the blood test.

At the exam: Have a photo ID and application paperwork; wear short sleeves or sleeves that can be rolled up so your blood can be drawn and blood pressure can be taken

When scheduling your exam, ask whether you need to fast. You might have to avoid eating and drinking anything other than water during the 12 hours before your exam.

Getting the Results of Your Life Insurance Medical Exam

To find out whether you can get your exam results, ask the representative you speak with when you schedule your exam. Or contact the paramedical company’s customer service.

Other Ways Insurers Get Information About You

In addition to your application and medical exam, insurers gather information about you in a variety of ways. They get information about your health by:

Reviewing your medical records

Using a third-party company, such as Milliman Intelliscript, to check your prescription history

Utilizing the MIB Group database to verify information on your application

Life insurance companies may also check:

Your motor vehicle report for violations that would show that you engage in risky behavior

Public records to verify your personal information

What property you own

If you have a criminal record or other information that shows you’re a risk to insure

Your credit

Your social media, to see if you’re engaging in risky behavior

Third-party financial statements, such as tax returns or documents from an accountant, if you apply for coverage worth several million dollars

Those in the preferred plus and preferred classes get the lowest rates. To qualify for the best rates, you must generally:

Be in good health with no tobacco use in the past three to five years

Have a clean driving record

No history of drug or alcohol treatment

No family history of heart disease or cancer before age 60

How to Avoid the Medical Exam

You can avoid taking a life insurance medical exam if you’re worried about how your health will affect your rate or ability to get coverage — or if you simply don’t want to bother with an exam.

These three types of underwriting don’t involve a medical exam.

Accelerated underwriting

Many life insurance providers today offer no-exam policies and a speedier application process.

Simplified issue life insurance

Guaranteed issue life insurance

If you’re young and healthy, push past any fears you might have of taking a medical exam. Then you’ll be more likely to get the coverage you need at the best price.

Credits to: Cameron Huddleston

Date Posted: May 18, 2022

Source: https://www.forbes.com/advisor/life-insurance/medical-exam/

#areteautomation #lifehealthadvisors #knowledge #foryou #mindpower

0 notes

apolonia102812-newsletter · 2 years

Text

What To Expect In A Life Insurance Medical Exam

But you might be dragging your feet when it comes to applying for life insurance because of the medical exam. Perhaps you don’t have the time or simply don’t want to get poked or prodded.

Don’t let the prospect of a medical exam deter you from getting life insurance. The exam probably isn’t nearly as bad as you think.

Why Life Insurance Companies Require a Medical Exam

A big part of the underwriting process involves gathering information about an applicant’s health. Insurers ask you to fill out an application with questions about:

Your medical history

Your past and current prescriptions

Your family’s medical history (parents and siblings)

Your driving record

Amy dangerous hobbies

International travel plans

What a Life Insurance Medical Exam Entails

A life insurance medical exam doesn’t require you to give up an entire day. It can take just 15 to 45 minutes, depending on what tests are included.

You’ll generally be asked questions about your medical history during a phone interview before your exam, and the examiner will review them again in person.

Here’s a sample of the type of information you should have on hand:

Names and dosages of medications, for past and current conditions.

Names, addresses and phone numbers of doctors visited in the past five years.

List of medical conditions, dates of diagnoses, treatment, treatment outcome and treating physician contact information.

Driver’s license number and expiration date.

Occasionally some insurers might require an X-ray or treadmill stress test, which needs to be done at a doctor’s office or clinic.

If you’re age 70 or older, you might have to take an additional test of your cognitive ability.

How to Get a Life Insurance Medical Exam

Typically, a representative from the medical testing service will contact you to schedule an appointment. The insurer will cover the cost of the exam.

Or you may be able to have the test done at one of the paramedical service’s exam centers.

Delaying the exam will only slow the process of getting insurance coverage, so you’ll want to schedule your exam for the earliest possible date.

How to Prepare for a Medical Exam

24 hours before the exam: Limit salt and high-cholesterol foods such as red meat; avoid over-the-counter medications such as antihistamines and nasal decongestants.

12 hours before the exam: Refrain from alcoholic beverages and strenuous exercise, which can raise blood pressure levels.

One hour before the exam: Avoid caffeine and nicotine; drink a glass of water. Being hydrated will help with the blood test.

At the exam: Have a photo ID and application paperwork; wear short sleeves or sleeves that can be rolled up so your blood can be drawn and blood pressure can be taken

When scheduling your exam, ask whether you need to fast. You might have to avoid eating and drinking anything other than water during the 12 hours before your exam.

Getting the Results of Your Life Insurance Medical Exam

You may be able to access the results of your blood and urine tests, depending on the paramedical company that conducted the test. For example, Exam One — which is one of the top paramedical services — provides results within seven to 14 days after an exam. Applicants can register on the Exam One website and be notified by email when their results are available.

To find out whether you can get your exam results, ask the representative you speak with when you schedule your exam. Or contact the paramedical company’s customer service.

Other Ways Insurers Get Information About You

In addition to your application and medical exam, insurers gather information about you in a variety of ways. They get information about your health by:

Reviewing your medical records

Using a third-party company, such as Milliman Intelliscript, to check your prescription history

Utilizing the MIB Group database to verify information on your application

Life insurance companies may also check:

Your motor vehicle report for violations that would show that you engage in risky behavior

Public records to verify your personal information

What property you own

If you have a criminal record or other information that shows you’re a risk to insure

Your credit

Your social media, to see if you’re engaging in risky behavior

Third-party financial statements, such as tax returns or documents from an accountant, if you apply for coverage worth several million dollars

Those in the preferred plus and preferred classes get the lowest rates. To qualify for the best rates, you must generally:

Be in good health with no tobacco use in the past three to five years

Have a clean driving record

No history of drug or alcohol treatment

No family history of heart disease or cancer before age 60

How to Avoid the Medical Exam

You can avoid taking a life insurance medical exam if you’re worried about how your health will affect your rate or ability to get coverage — or if you simply don’t want to bother with an exam.

These three types of underwriting don’t involve a medical exam.

Accelerated underwriting

Many life insurance providers today offer no-exam policies and a speedier application process.

Simplified issue life insurance

Guaranteed issue life insurance

If you’re young and healthy, push past any fears you might have of taking a medical exam. Then you’ll be more likely to get the coverage you need at the best price.

Credits: Cameron Huddleston

Date: May 18, 2022

Source: https://www.forbes.com/advisor/life-insurance/medical-exam/

#areteautomations #lifehealthadvisors #bestforhealth #healthtips #knowledge

0 notes

jgan-catabay · 2 years

Text

What To Expect In A Life Insurance Medical Exam

But you might be dragging your feet when it comes to applying for life insurance because of the medical exam. Perhaps you don’t have the time or simply don’t want to get poked or prodded.

Don’t let the prospect of a medical exam deter you from getting life insurance. The exam probably isn’t nearly as bad as you think.

Here’s a look at why life insurance companies require a medical exam and what it entails.

Why Life Insurance Companies Require a Medical Exam

A big part of the underwriting process involves gathering information about an applicant’s health. Insurers ask you to fill out an application with questions about:

Your medical history

Your past and current prescriptions

Your family’s medical history (parents and siblings)

Your driving record

Amy dangerous hobbies

International travel plans

What a Life Insurance Medical Exam Entails

A life insurance medical exam doesn’t require you to give up an entire day. It can take just 15 to 45 minutes, depending on what tests are included.

You’ll generally be asked questions about your medical history during a phone interview before your exam, and the examiner will review them again in person.

Here’s a sample of the type of information you should have on hand:

Names and dosages of medications, for past and current conditions.

Names, addresses and phone numbers of doctors visited in the past five years.

List of medical conditions, dates of diagnoses, treatment, treatment outcome and treating physician contact information.

Driver’s license number and expiration date.

Occasionally some insurers might require an X-ray or treadmill stress test, which needs to be done at a doctor’s office or clinic.

If you’re age 70 or older, you might have to take an additional test of your cognitive ability.

How to Get a Life Insurance Medical Exam

Typically, a representative from the medical testing service will contact you to schedule an appointment. The insurer will cover the cost of the exam.

Or you may be able to have the test done at one of the paramedical service’s exam centers.

Delaying the exam will only slow the process of getting insurance coverage, so you’ll want to schedule your exam for the earliest possible date.

How to Prepare for a Medical Exam

24 hours before the exam: Limit salt and high-cholesterol foods such as red meat; avoid over-the-counter medications such as antihistamines and nasal decongestants.

12 hours before the exam: Refrain from alcoholic beverages and strenuous exercise, which can raise blood pressure levels.

One hour before the exam: Avoid caffeine and nicotine; drink a glass of water. Being hydrated will help with the blood test.

At the exam: Have a photo ID and application paperwork; wear short sleeves or sleeves that can be rolled up so your blood can be drawn and blood pressure can be taken

When scheduling your exam, ask whether you need to fast. You might have to avoid eating and drinking anything other than water during the 12 hours before your exam.

Getting the Results of Your Life Insurance Medical Exam

You may be able to access the results of your blood and urine tests, depending on the paramedical company that conducted the test. For example, ExamOne—which is one of the top paramedical services—provides results within seven to 14 days after an exam. Applicants can register on the ExamOne website and be notified by email when their results are available.

To find out whether you can get your exam results, ask the representative you speak with when you schedule your exam. Or contact the paramedical company’s customer service.

Other Ways Insurers Get Information About You

In addition to your application and medical exam, insurers gathers information about you, in a variety of ways. They get information about your health by:

Reviewing your medical records

Using a third-party company, such as Milliman Intelliscript, to check your prescription history

Utilizing the MIB Group database to verify information on your application

Life insurance companies may also check:

Your motor vehicle report for violations that would show that you engage in risky behavior

Public records to verify your personal information

What property you own

If you have a criminal record or other information that shows you’re a risk to insure

Your credit

Your social media, to see if you’re engaging in risky behavior

Third-party financial statements, such as tax returns or documents from an accountant, if you apply for coverage worth several million dollars

Insurers use all of this information to determine your underwriting classification—which is also called a risk or rate class. Insurers usually have preferred and standard rate classes but might also have preferred plus and standard plus classes. They usually also have a substandard category for people with more severe health conditions.

Those in the preferred plus and preferred classes get the lowest rates. To qualify for the best rates, you must generally:

Be in good health with no tobacco use in the past three to five years

Have a clean driving record

No history of drug or alcohol treatment

No family history of heart disease or cancer before age 60

How to Avoid the Medical Exam

You can avoid taking a life insurance medical exam if you’re worried about how your health will affect your rate or ability to get coverage—or if you simply don’t want to bother with an exam.

These three types of underwriting don’t involve a medical exam.

Accelerated underwriting

Many life insurance providers today offer no-exam policies and a speedier application process.

Simplified issue life insurance

Because less information is gathered and no medical exam is required, simplified issue policies will have higher rates than fully underwritten and accelerated underwriting policies—even for healthy people. It’s also common for insurers to limit the amount of coverage available under a simplified issue policy.

Guaranteed issue life insurance

If you’re young and healthy, push past any fears you might have of taking a medical exam. Then you’ll be more likely to get the coverage you need at the best price.

#areteautomation #lifehealthadvisors #bestforhealth #healthtips #livemorechallenge

Credits: Cameron Huddleston

Published: May 18, 2022

Source: https://www.forbes.com/advisor/life-insurance/medical-exam/

#areteautomation #lifehealthadvisors #bestforhealth #healthtips #livemorechallenge

0 notes

artificialqueens · 5 years

Text

Trial of the Magician (Pearlax/Trixya), Chapter 1 - Grey Darling

a/n: Hey guys! Yes, I am starting yet another new fic, but this is the last one for a while, I promise. Anyway, this is the first installment of a fantasy au I’ve been thinking about for a while now, and I know it’s a little different than the usual fare you get with this fandom, but I hope you all enjoy nevertheless!

Violet had always enjoyed summer nights, hiding under the blanket of darkness, a soft warm breeze blowing through her dark hair. She’d never know that pleasure if she lived a sheltered, human life, where everything happened indoors and nobody knew the pleasure of sleeping under a canopy of stars. Yes, being a mage - well, a poor mage - meant living as a nomad, travelling from place to place and never settling in one town for more than a week. But Violet liked that life, and although she enjoyed the occasional bout of ostentation, there was no way she’d rather live.

Of course, it’d be much worse if she had to do it alone.

Her sister, Max, sat on the other side of the campfire, scratching out a design in the dirt with a stick she’d found nearby. Although they were twins, the pair couldn’t look more different - Violet was all dark and sultry, with a tiny waist accentuating her curves and plenty of skin on show through her ebony clothes. On the other hand, Max was as pale and as pure as the moon itself - grey hair, pale skin, lanky, androgynous form. Violet often admired her sister for her cool temper, which balanced out Violet’s quick one in ways that had saved them from more scrapes than she’d care to admit.

She and Max had travelled together since their parents passed seven years ago when they were both just fifteen. It had been hard at first - their parents had always been the ones to guide them through their nomadic life, teaching which terrain to avoid for setting up camp, how to barter for and sell any goods, how to live off the land. But the girls were nowhere near ready to strike out on their own, so the first few years were more difficult than anything they’d ever gone through before. Yet through hard work and determination, the magical sisters had got through life as best they could, and now they couldn’t imagine living any other way.

That night they’d set up camp in the woods, just off the dirt path that lead through it. They were far enough not to be seen by the average traveller, but not so far that they’d lose themselves trying to get back to the trail. If Violet’s map reading skills were any sort of accurate, she’d say they’d be able to make it out of the dense forest by tomorrow afternoon.

“I was thinking,” Max began, scratching away at the dirt, “we could go to Fortbridge next. It’s close by, and I hear they’re short on doctors willing to care for the poorer folk.”

“You think they’ll pay us, though?” Violet asked, cocking an arched eyebrow. They were always travelling from place to place looking for money - that was the life of the poor, nomadic mage. They weren’t rich enough to afford a proper home or protection, so they had to keep moving, getting money from wherever they could, however they could. That was just how it was - and if they weren’t constantly on the move, then the mage traders would get them.

And that was equivalent to a death sentence.

Max nodded. “It wouldn’t be much, but it’d be something. Besides, they need help… I want to give it to them.”

Violet smiled - of course she did. Max was nothing if not charitable, and her talent for the healing arts was a great aid to her generous nature. She’d been born with the gift of restoration, the powers of healing and protecting coursing through her very blood. The number of cuts and bruises she’d tended to on Violet alone were countless. Violet, on the other hand, was an illusionist, a distorter of reality. She could twist and bend the fabric of the world however she liked - although she was far from an expert in her craft.

“Of course you do,” Violet said with a grin, her eyes flashing in the firelight. “You make me look bad, Maxie.”

“I do not!” she protested, looking up from her drawing with a huff. “I think it’s impossible to make you look bad.”

Violet tossed her thick, dark hair over her shoulder. “Is that why all the handsome mercenaries flirt with you at the taverns, then?”

Max flushed and ducked her head. Both girls had a certain allure about them - Violet, seductive and mysterious, Max, sweet and delicate. They made for quite the pair. “They’re hardly flirting with me, silly. They just want to use me to get to you, that’s all.”

“Don’t be so hard on yourself,” Violet chided. “You’re pretty, Maxie. Deal with it.”

A small chuckle escaped Max’s lips, but their conversation was soon interrupted by the sound of voices drifting from the trail. Exchanging a glance of concern, Violet and Max fell deathly silent. They needed to be paranoid, always on the lookout. There was every chance that any old traveller could be a mage trader in disguise, a horrid creature who kidnapped unprotected mages and sold them into slavery, separating them from their families and their freedom. To be kidnapped by mage traders was to lose oneself forever.

“It could just be a merchant?” Max suggested, her voice a soft whisper.

Violet shook her head. “We can’t be sure unless we check. Come on - if it’s traders, I can cast a cloak of invisibility over us.”

“It might be safer to stay here, Vi.”

“But we can’t afford that risk. Let’s go.”

Violet deftly hopped to her feet, her leather boots not making a sound on the dirt ground. With a small sigh, Max rose too - although with a touch less grace than Violet. As pretty as she was, Max had always been rather awkward and gangly, her immense height not helping her case. Raising a finger to her lips, Violet lead her reluctant sister through the trees, casting a cloak of silence over them to hide their movements.

Arriving at the edge of the trail, Violet and Max hid behind a thick tree trunk, peering out either side to see what they were dealing with. It was mage traders alright, made obvious by the large wagon pulled along by strong, athletic horses, their muscular frames shining in the light of the torches fixed to the wagons metal sides. One figure was visible in the dull orange light - a short, squat woman dressed in a ragged leather garb, pistols secured in holsters on either side of her belt.

“Zahara’s mercy…” Violet cursed softly under her breath. “It’s traders…”

Max tensed beside her, watery blue eyes growing wide. “Oh, goodness… Vi, cast-”

Before Max could finish, a muscular arm wrapped around her waist and yanked her away, Max crying out as a dagger was thrusted against her slender throat, its make crude but the blade sharp nonetheless. Violet’s eyes went wide, and she went to grab Max out of her captor’s grasp before she was shoved to the ground herself, coughing roughly as a booted foot was placed against her back.

“You think you’re clever, don’t you, little witch?” The voice of Violet’s attacker was slow and drawling, mocking her for her failure and throwing in a slur to add insult to injury. “Castin’ your fancy mufflin’ spells and shit.”

Max’s captor laughed, a gravelly sound that drowned out Max’s struggling whimpers. “We know the game by now, we weren’t born yesterday.”

Violet let out a gasp as her attacker removed her boot from her back, but that gasp soon turned into a cry of pain as she twisted her hand in her dark hair and pulled her up to her feet. “You a trickster, then?”

“Illusionist,” Violet growled, her whole body tensing with each foul slur they threw at her. “And it’s none of your business what I am.”

“Oh, we got a feisty one!” Max’s captor cried in delight, and Violet could just make out a wide grin spreading out in the dark. “What about you, girly? Got something to say?”

Max, always a timid one, didn’t say a thing, paralysed by fear and dread. Violet had never seen her look so terrified, and the only thing that stopped her from lashing out at their attackers was the brutal knife held against her sister’s neck. The muscular woman sneered, angling the blade a little so that it just broke the skin, and Max whimpered as a thin ribbon of blood started to trail down her pale throat.

“Let go of her,” Violet ordered through gritted teeth, her vision turning red.

“Hmmm… no, I don’t think so,” the muscular woman replied. “She’s pretty, ain’t she? What kinda witchery you got, girly?”

Squeezing her eyes shut, Max croaked out her reply. “R- restor- restoration…”

The pair of traders exchanged wicked smiles, the sort of smiles that turned Violet’s blood to ice. Of the four schools of magic, restorers were easily the most sought after by mage traders - they fetched the best price on the market given how useful they were. Illusionists, on the other hand, sold for next to nothing.

Why did Max have to be so damn honest?

“Ooooh, we’re gonna make some coin with this one!” Max’s muscular captor announced with glee, a cruel, harsh cackle colouring her words. Her companion’s laugh was slower, more sadistic, characterised by the same drawl as her speaking voice.

“Think they’re both worth it? Little miss trickster here could be a nice bonus.”

There was a beat of silence as the muscular one thought it over. “No. If the buyers know the healer hangs out with tricksters, she’ll sell for less. Ditch the other one.”

Before she could react, Violet was forcefully shoved back down onto the forest floor, coughing as the impact winded her. She cried out as her attacker grabbed her wrist and tied a slim rope around it, attaching her to a tree branch so she couldn’t do anything to stop them. Violet screamed in protest as the muscular one reached into her pocket and pulled out a cloth, forcing it over Max’s face until her eyes rolled to the back of her head, fully unconscious.

Violet struggled and pulled at the rope, doing everything in her power to free herself and go after Max. She wracked her brain for some kind of spell she could cast to stall the traders, but she’d only studied her magic to the extent of simple parlour tricks - invisibility, silencing, changing how things looked. She could hardly bend reality to stop them - no wonder illusionists sold for so little, they were bloody useless.

She could only watch as her sleeping sister was dragged down to the wagon, the short, stout woman from before attaching thick iron manacles to her wrists - a mages worst nightmare. Those manacles stifled a mage’s power, dampened their abilities to next to nothing. So long as they were painfully attached to Max’s wrists, she was powerless to help herself.

Once the manacles were attached, she was unceremoniously thrown into the back of the wagon, and the sight of a second mage in there with her was only a small relief. At least she wouldn’t suffer alone - but Violet didn’t want her to suffer at all. Hot tears streamed down her cheeks as she wrestled against the rope, thin and deceptively strong. It was only when she noticed a sharp rock on the ground beside her that she saw her way out.

Grabbing it with her free hand, Violet used every last reserve of strength to saw at the rope, gritting her teeth as it started to split. With a panicked gaze, she looked over at the trail and cursed as she saw the wagon receding into the distance, the cruel cackling of the traders ringing throughout the night. Devils, the lot of them.

After what felt like years, Violet finally severed the rope. Wasting no time to gather her things from their now abandoned campsite, she cast a cloak of invisibility over herself and began her mad dash down the trail, praying to every god there ever was that she could catch up in time.

***

She followed them for hours, the depth of night slowly transitioning into the dull lilacs and oranges of early morning. Violet had thought she’d lost the wagon in the woods, the trees dense and the path twisted and winding. Only once she’d reached the clearing did she finally see it, the great metal box trundling down the road, pulled by its muscular horses who were ridden by the foul traders themselves. If she was a wielder of destruction magic, she would’ve ruined them in an instant.

With her cloak of invisibility still cast over her, Violet stalked towards the wagon, keeping her footsteps light so her bootprints weren’t too obvious in the dirt. But no sooner did she get a mere few feet behind the wagon did her spell begin to falter, losing its power after being held for hours. If it faded now, the traders would see her, and what good with that do?

“Shit… shit…” Violet muttered as her ghostly figure began to break through the cloak, growing visible in the morning light.

Spotting a bush nearby, Violet ducked behind it, watching the wagon from her hiding spot. Fortunately, they’d reached a valley, meaning that the wagon would be easy to see even from a distance - she wouldn’t lose sight of it now.

As she waited for the spell to wear off, Violet’s thoughts drifted to Max, her sweet sister caught in the jaws of the slave trade. She’d never survive it - traders treated their victims like they were nothing, unworthy of even the basics of human kindness. Max was a waif, with a delicate constitution and a preference for pacifism that was a boon in some situations, and a curse in others. Now, it was the latter. If those monsters hurt her, would she fight back? No, because it wasn’t in her nature. Maybe that made her weak, maybe that made her pitiful, but all that Violet cared about was that it made her vulnerable.

She’d already lost her parents. She didn’t need to lose her sister too.

With the invisibility spell fully worn off, Violet needed to think of a new plan. Hopefully, it had been too dark for the traders to get a good look at her face when they first met, so there was every chance she could just wander down the trail and not get caught. It was just about the only option she had - she’d used up all her power sustaining her invisibility for so long, so casting another would be impossible until she rested. Unfortunately, she didn’t have time for that.

So, throwing her hood over her head to hide her face, Violet carried on, the wagon in her sights.

***

“Hey? Hey, you awake?”

“Hmmm…”

“Can you hear me? They didn’t hurt you that badly, did you?”

The warmth in the girl’s voice was the only thing that cut through the immense chill that was sinking into Max’s bones, freezing her to the core. Her head was pounding as she opened her eyes, blinking once or twice to try and clear the haze that coated her vision. She knew she wasn’t where she was supposed to be. Violet wasn’t there… Neither was the forest or the warmth of summer…

The memories of the ambush all came flooding back - the knife to her throat, Violet getting thrown around like a ragdoll, and the fear that had turned her to stone. With a start, Max bolted upright, a scream-like gasp escaping her throat, panic rising from her stomach and choking her. A soft, manacled hand rested on her shoulder, and that same warm voice drifted into her ears.

“Hey, hey! It’s alright.”

“It- it’s not… Violet… I have to get to Violet…”

“I don’t think you’re going anywhere,” the girl told her, a slight sadness to her now. “Even if you wanted to. Neither of us can.”

Max glanced over at her companion, a dark-skinned, plumper girl with a braided hairstyle commonly found in the north. Although she was locked up in chains, there was a smile on her face, albeit a weary one. “Oh…”

“I tried getting us out,” the girl said with a sigh. “But these stupid manacles keep getting in the way… Can’t conjure up a key when you’re all chained up, right?”

“You’re a conjurer?” Talking to the girl was grounding her, calming her down. If Max could keep her talking, she’d have more time to relax, and then she could think with more clarity.

The girl nodded. “That’s right. I’m Jaidynn, by the way.”

“Max…”

“Good to meet you! Nice if we could’ve met differently, but that’s life, I guess.”

“You seem awfully calm about this,” Max remarked shakily, hanging her head. It was taking all the strength she had not to break down in tears - she’d been kidnapped, taken to be sold. Unless she could figure out how to escape, which would take a miracle, her life was over forever. How could Jaidynn seem so chipper?

Jaidynn shrugged. “I just been in the back of this wagon for a while, I guess. And you look really scared, so y’know, thought I’d try and make things a bit easier for you. Because things are always less scary if you got a friend by your side, right?”

“Right… Thank you.”

Max tried her best to smile, but instead, her lips twisted into a frown as her inner strength broke down, and the tears flowed as freely as they could. As she buried her head in her hands, sobs wracking her body, Jaidynn went to her side in an instant. She hugged her as best she could with the manacles in the way, in the end just letting Max lean against her shoulder and cry into it.

It wasn’t enough to comfort her. It’d never be enough to comfort her. But at least it was something.

#rpdr fanfiction #violet chachki #max malanaphy #ginger minj #jasmine masters #kennedy davenport #jaidynn diore fierce #violax #dungeons and drag queens #trial of the magician #fantasy #grey darling #concrit welcome #submission #lesbian au

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civilcoconstruction · 3 years

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Chicago Remodeling Costs: Kitchen, Bath, Whole-Home

Sweeten’s guide to Chicago remodeling costs in 2021, including kitchen, bath, and whole-home (plus outdoor budgets and permit tips!)

(Above) Remodel by Sweeten general contractor Christina. Photo: Chicago Home Photos

The budgeting step can be nerve-wracking for first-time Chicago renovators. You’ve finally moved on from daydreaming to starting a remodel of your home. Start by gathering some basic details: know what you can actually afford, and plan to add a small reserve on top of that. The materials you want to use also factor in, as well as how much work will be done. Plus, everything that isn’t visible—the infrastructure—will impact your costs. This can be a lot to keep track of, especially if this is your first time renovating.

Fortunately, Sweeten has done some of the legwork in this guide to Chicago remodeling costs. This guide focuses on some of the major remodeling categories: whole house remodels, kitchen, bath, additions—as well as permits. You can use these details to create an accurate budget for a Chicago-area renovation.

Sweeten matches home renovation projects with vetted general contractors, offering advice, support, and up to $50,000 in renovation financial protection—for free.

Here’s a breakdown of typical starting costs (including labor and materials) gathered from Sweeten contractors and the 2021 Cost vs. Value Report:

Full-home renovation: From $100 per square foot (psf)

Budget bath remodel: $15,000—$20,000 (based on 35 sq ft)

Mid-grade bath remodel: $21,000 (based on 35 sq ft)

High-end bath remodel: $28,500 (based on 35 sq ft)

Budget kitchen remodel: $22,000 (based on a 100 sq ft)

Mid-grade kitchen remodel: $30,000 (based on 100 sq ft)

High-end kitchen remodel: $37,500 (based on 100 sq ft)

Basement remodel: $40,000—$75,000

Keep in mind that every professional contractor will want to have a detailed conversation with you. They will also inspect your home before developing an estimate specific to your needs and wants.

Pro tip: Do not wait. The pandemic has caused a backlog in the supply of materials in many sectors. For homeowners interested in renovating, it’s smart to schedule and sign with a contractor to lock in your material prices. You’ll also want to book a start date on the contractor’s schedule. If you do wait, prices will only continue to go up and your material order starts at the back of a long queue.

Chicago remodeling costs per square foot

Gut renovation vs. non-gut renovation

Gutting a home pretty much means starting from scratch. You’ll take everything down to the studs or framework, and/or you’ll knock down walls. Because it’s more intricate, a gut job starts at the higher end of the $100 to $200 psf range. By contrast, a remodel of the space within existing walls will be at the lower end. For example, remodeling a 700-square-foot, one-bedroom condo may range from $50,000 to $70,000, while a gut reno likely will exceed $100,000. This work usually involves running new plumbing pipes and wiring, moving doorways, and possibly installing new flooring.

Costs for a full home gut renovation start at $100 per square foot. Take note: this scope of work is extensive! Expect demo, framing, insulation and drywall, wiring, plumbing, heating/cooling systems, millwork, paint, flooring, tile, light fixtures, electronics, and all finishes. (This excludes appliances, which can significantly increase costs, depending on how high-end they are.) According to Chicago-based Sweeten contractor Ryan, “A whole-house renovation—say, 3,000 square feet—would cost $200,000, at the low end, and start at $400,000 at the high end. It all depends on the materials chosen.”

Wet rooms—connected to a water supply, such as bathrooms or kitchens—typically start at $250 psf. In the city, bathrooms in condos or co-ops can be as small as 30 square feet. However, in freestanding homes, they are typically larger than 5’ x 8’. High-end renovations that are fully custom with luxury materials can cost upwards of $700 per square foot. Architectural design and drawings, demolition, construction, materials, fixtures, lighting, and finishes are included in the fee.

Contractors may build in overage fees to their estimates. This allows for the unexpected—which definitely can happen—to be covered. Overages are usually 10-15% of the project cost. (Sweeten recommends that the renovator reserve at least 10-15% above the bid as well). Don’t let the numbers shock you, though: the beauty of using a general contractor is that it’s one-stop shopping. Working with a contractor covers pretty much all the trades required for the job. This spares you the work of hiring individual tradesmen to complete the various aspects of your project.

Chicago-based Sweeten contractor Brad recommends being realistic about how much you can spend. “You can’t buy a $100,000 ring on a $5,000 budget. Nail down your contractor first; they know pricing. And add 15 percent for unexpected conditions.”

Average cost of a kitchen remodel in Chicago

Budget kitchen renovation costs

A typical starting point is $22,000 based on a 100-square-foot kitchen. According to the 2021 Cost vs. Value Report, the average is $31,004 for 200 square feet. This translates to stock cabinets, hardware, and countertops, plus swapping outdated appliances with newer and more energy-efficient models.

Mid-grade kitchen renovation costs

Sweeten has found that a 100-square-foot space at this finish level can start at $30,000. For a kitchen at 200 square feet, expect to pay an average of $81,820, according to the Cost vs. Value Report. This includes custom lighting, updating 30 linear feet of semi-custom wood cabinets, new countertops, a 3′ x 5′ island, double-tub stainless steel sink with single-lever faucet, garbage disposal, built-in dishwasher, energy-efficient range, vented hood, built-in microwave, dishwasher, and new flooring.

High-end kitchen costs

Based on what Sweeten has seen, expect starting costs to be $37,500 for a 100-square-foot room at this finish level. According to the Cost vs. Value Report, a kitchen at 200 square feet starts at $160,000. Expect top-flight custom cabinets with interior detailing like partitioned drawers, pullout shelves, pop up and down storage, stone, quartz, or porcelain countertops, stone or imported tile backsplash. Also included are custom lights, under-cabinet lighting, hardwood, stone or porcelain flooring, and typical high-end appliances.

Sweeten contractor Ryan has seen kitchens cost $50,000 for a gut remodel, and at the high end, closer to $100,000. “Those figures,” he says, “can vary greatly, as some cabinetry alone might cost $80,000.”

Average bathroom remodel costs in Chicago

Budget bathroom costs

A starting point can be $15,000—$20,000 for a 35-square-foot-space with budget-friendly finishes from big box stores like Walmart, Home Depot, Menards, and Lowe’s. As this is a wet space, plumbing, electrical insulation, and exhausts, as well as correcting misaligned walls and floors will be part of the job.

Mid-grade bathroom

For a 35-square-foot space, a remodel will start at $21,000. According to 2021 Cost vs. Value Report, $27,570 is the average cost for this type of project. This includes a recessed medicine cabinet, standard toilet, solid-surface vanity counter, and a porcelain tub.

High-end bathroom

The typical cost at this finish level starts at $28,500 for 35-square-feet. The 2021 Cost vs. Value Report cites an average of $82,838 for a high-end renovation, based on a bathroom over 200 square feet. Features at this level include new ductwork, radiant heated floors, custom cabinetry, separate shower, freestanding tub, and custom lighting.

Costs for a master suite addition

Mid-grade master suite addition costs

Estimated costs are around $452 psf or $177,273 for a 24′ x 16′ space, including double vanity, freestanding tub, separate shower, walk-in closet, dressing area, according to 2021 Cost vs. Value Report. Whether it’s a ground-level addition, a basement remodel, or a second-floor addition, accessing rough-ins for plumbing will vary and affect pricing.

High-end master suite addition costs

For a 32′ x 20′ master suite with a separate sitting area and large master bath over a crawl space, costs are around $553 psf or $359,232, according to 2021 Cost vs. Value Report. This kind of project includes custom shelving, built-in storage, as well as a walk-in closet and dressing area with windows.

Basement renovation costs in Chicago

A starting budget for a basement is around $100 psf. At the low end, the cost averages $40,000 and includes a bathroom with a shower. Flooring options can vary significantly, including laminate, vinyl, engineered wood, porcelain tile, or stained concrete. At the high end, a project for $75,000 may include a 5′ x 8′-foot bathroom with a shower, a wet bar, and flooring in an overall space measuring 20′ x 30′.

Costs for a basement renovation can be affected by multiple factors. Consider the existing condition of the space, if plumbing pipes need to be installed or moved, if new water service is required and if bracing needs to be done to eliminate structural supports in the middle of a space. Also take into consideration ceiling height, since Chicago basements are typically 8 feet or less, and as low as 6’7″. If you want to raise the ceiling, that requires digging out and underpinning the foundation. In addition, it’s necessary to assure the space is waterproof. A perimeter drain tile system is installed (repaired or extended). Connecting it to a sump pump also is important to consider, and this cost can start at around $2,500.

Chicago remodeling costs for permits

The permit process for renovating varies from Chicago to its suburbs, with each of the village’s or town’s governing bodies determining requirements and fees. In Chicago, permits are obtained through the Building Department. The issue in common is safety and compliance with building codes.

In Winnetka, remodeling permits cost $30 per $1,000 of construction; new construction is $1.30 per square foot of new gross area. There also are permit fees for plumbing, electrical service ($9,800 for 200 amp service; $21,000 for 400 amp service), furnace, and AC as well as roofing and pools. In Hinsdale, the permit fee for remodeling is calculated on two percent of the value of construction. In addition, expect to pay permit fees for demolition ($3,000).

In Chicago, applications for building permits must include architectural drawings and names of all licensed contractors—plumbers, electricians, HVAC contractors (usually supplied by the general contractor). There is no one size fits all. But expect to pay between $1,500 and $2,000 minimally for a whole house remodel, major kitchen, and/or bath. The larger the project, the more the fee, ranging to as high as $10,000.

There’s also an Easy Permit Program for small projects that do not require architectural drawings (usually available the same day). There are nominal costs (a few hundred dollars for plumbing and electrical permits), which usually are pulled by those contractors.

Find expert Chicago general contractors near you

Post your project on Sweeten and we’ll match you with multiple vetted general contractors to provide estimates for your renovation, then help you evaluate the estimates. Sweeten also checks in with you until the project is completed. When you brainstorm with your general contractor to develop an accurate budget, you’ll be well on your way to enjoying the dream space you’ve always craved.

—

Have a good handle on HOA (Homeowners Association) fees before you purchase your condo, co-op, or detached house.

Sweeten handpicks the best general contractors to match each project’s location, budget, scope, and style. Follow the blog, Sweeten Stories, for renovation ideas and inspiration and when you’re ready to renovate, start your renovation on Sweeten.

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from CIVICLO Construction & Interior https://civilco.construction/chicago-remodeling-costs-kitchen-bath-whole-home/

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foursprout-blog · 6 years

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An Empire Of Nothing At All - A Staggeringly Well-Funded Blowback Machine

New Post has been published on http://foursprout.com/wealth/an-empire-of-nothing-at-all-a-staggeringly-well-funded-blowback-machine/

An Empire Of Nothing At All - A Staggeringly Well-Funded Blowback Machine

Authored by Tom Engelhardt via TomDispatch.com,

[This essay is the introduction to Tom Engelhardt’s new book, A Nation Unmade by War, a Dispatch Book published by Haymarket Books.]

As I was putting the finishing touches on my new book, the Costs of War Project at Brown University’s Watson Institute published an estimate of the taxpayer dollars that will have gone into America’s war on terror from September 12, 2001, through fiscal year 2018. That figure: a cool $5.6 trillion (including the future costs of caring for our war vets).

On average, that’s at least $23,386 per taxpayer.

Keep in mind that such figures, however eye-popping, are only the dollar costs of our wars. They don’t, for instance, include the psychic costs to the Americans mangled in one way or another in those never-ending conflicts. They don’t include the costs to this country’s infrastructure, which has been crumbling while taxpayer dollars flow copiously and in a remarkably — in these years, almost uniquely — bipartisan fashion into what’s still laughably called “national security.” That’s not, of course, what would make most of us more secure, but what would make them — the denizens of the national security state — ever more secure in Washington and elsewhere. We’re talking about the Pentagon, the Department of Homeland Security, the U.S. nuclear complex, and the rest of that state-within-a-state, including its many intelligence agencies and the warrior corporations that have, by now, been fused into that vast and vastly profitable interlocking structure.

In reality, the costs of America’s wars, still spreading in the Trump era, are incalculable. Just look at photos of the cities of Ramadi or Mosul in Iraq, Raqqa or Aleppo in Syria, Sirte in Libya, or Marawi in the southern Philippines, all in ruins in the wake of the conflicts Washington set off in the post–9/11 years, and try to put a price on them. Those views of mile upon mile of rubble, often without a building still standing untouched, should take anyone’s breath away. Some of those cities may never be fully rebuilt.

And how could you even begin to put a dollars-and-cents value on the larger human costs of those wars: the hundreds of thousands of dead? The tens of millions of people displaced in their own countries or sent as refugees fleeing across any border in sight? How could you factor in the way those masses of uprooted peoples of the Greater Middle East and Africa are unsettling other parts of the planet? Their presence (or more accurately a growing fear of it) has, for instance, helped fuel an expanding set of right-wing “populist” movements that threaten to tear Europe apart. And who could forget the role that those refugees — or at least fantasy versions of them — played in Donald Trump’s full-throated, successful pitch for the presidency? What, in the end, might be the cost of that?

Opening the Gates of Hell

America’s never-ending twenty-first-century conflicts were triggered by the decision of George W. Bush and his top officials to instantly define their response to attacks on the Pentagon and the World Trade Center by a tiny group of jihadis as a “war”; then to proclaim it nothing short of a “Global War on Terror”; and finally to invade and occupy first Afghanistan and then Iraq, with dreams of dominating the Greater Middle East — and ultimately the planet — as no other imperial power had ever done.

Their overwrought geopolitical fantasies and their sense that the U.S. military was a force capable of accomplishing anything they willed it to do launched a process that would cost this world of ours in ways that no one will ever be able to calculate. Who, for instance, could begin to put a price on the futures of the children whose lives, in the aftermath of those decisions, would be twisted and shrunk in ways frightening even to imagine? Who could tote up what it means for so many millions of this planet’s young to be deprived of homes, parents, educations — of anything, in fact, approximating the sort of stability that might lead to a future worth imagining?

Though few may remember it, I’ve never forgotten the 2002 warning issued by Amr Moussa, then head of the Arab League. An invasion of Iraq would, he predicted that September, “open the gates of hell.” Two years later, in the wake of the actual invasion and the U.S. occupation of that country, he altered his comment slightly. “The gates of hell,” he said, “are open in Iraq.”

His assessment has proven unbearably prescient — and one not only applicable to Iraq. Fourteen years after that invasion, we should all now be in some kind of mourning for a world that won’t ever be. It wasn’t just the US military that, in the spring of 2003, passed through those gates to hell. In our own way, we all did. Otherwise, Donald Trump wouldn’t have become president.

I don’t claim to be an expert on hell. I have no idea exactly what circle of it we’re now in, but I do know one thing: we are there.

The Infrastructure of a Garrison State

If I could bring my parents back from the dead right now, I know that this country in its present state would boggle their minds. They wouldn’t recognize it. If I were to tell them, for instance, that just three men — Bill Gates, Jeff Bezos, and Warren Buffett — now possess as much wealth as the bottom half of the US population, of 160 million Americans, they would never believe me.

How, for instance, could I begin to explain to them the ways in which, in these years, money flowed ever upward into the pockets of the immensely wealthy and then down again into what became one-percent elections that would finally ensconce a billionaire and his family in the White House? How would I explain to them that, while leading congressional Democrats and Republicans couldn’t say often enough that this country was uniquely greater than any that ever existed, none of them could find the funds — some $5.6 trillion for starters — necessary for our roads, dams, bridges, tunnels, and other crucial infrastructure? This on a planet where what the news likes to call “extreme weather” is increasingly wreaking havocon that same infrastructure.

My parents wouldn’t have thought such things possible. Not in America. And somehow I’d have to explain to them that they had returned to a nation which, though few Americans realize it, has increasingly been unmade by war — by the conflicts Washington’s war on terror triggered that have now morphed into the wars of so many and have, in the process, changed us.

Such conflicts on the global frontiers have a tendency to come home in ways that can be hard to track or pin down. After all, unlike those cities in the Greater Middle East, ours aren’t yet in ruins — though some of them may be heading in that direction, even if in slow motion. This country is, at least theoretically, still near the height of its imperial power, still the wealthiest nation on the planet. And yet it should be clear enough by now that we’ve crippled not just other nations but ourselves in ways that I suspect — though I’ve tried over these years to absorb and record them as best I could — we can still barely see or grasp.

In my new book, A Nation Unmade by War, the focus is on a country increasingly unsettled and transformed by spreading wars to which most of its citizens were, at best, only half paying attention. Certainly, Trump’s election was a sign of how an American sense of decline had already come home to roost in the era of the rise of the national security state (and little else).

Though it’s not something normally said here, to my mind President Trump should be considered part of the costs of those wars come home. Without the invasions of Afghanistan and Iraq and what followed, I doubt he would have been imaginable as anything but the host of a reality TV show or the owner of a series of failed casinos. Nor would the garrison-state version of Washington he now occupies be conceivable, nor the generals of our disastrous wars whom he’s surrounded himself with, nor the growth of a surveillance state that would have staggered George Orwell.

The Makings of a Blowback Machine

It took Donald Trump — give him credit where it’s due — to make us begin to grasp that we were living in a different and devolving world. And none of this would have been imaginable if, in the aftermath of 9/11, George W. Bush, Dick Cheney & Co. hadn’t felt the urge to launch the wars that led us through those gates of hell. Their soaring geopolitical dreams of global domination proved to be nightmares of the first order. They imagined a planet unlike any in the previous half millennium of imperial history, in which a single power would basically dominate everything until the end of time. They imagined, that is, the sort of world that, in Hollywood, had been associated only with the most malign of evil characters.

And here was the result of their conceptual overreach: never, it could be argued, has a great power still in its imperial prime proven quite so incapable of applying its military and political might in a way that would advance its aims. It’s a strange fact of this century that the U.S. military has been deployed across vast swaths of the planet and somehow, again and again, has found itself overmatched by underwhelming enemy forces and incapable of producing any results other than destruction and further fragmentation. And all of this occurred at the moment when the planet most needed a new kind of knitting together, at the moment when humanity’s future was at stake in ways previously unimaginable, thanks to its still-increasing use of fossil fuels.

In the end, the last empire may prove to be an empire of nothing at all — a grim possibility which has been a focus of TomDispatch, the website I’ve run since November 2002. Of course, when you write pieces every couple of weeks for years on end, it would be surprising if you didn’t repeat yourself. The real repetitiousness, however, wasn’t at TomDispatch. It was in Washington. The only thing our leaders and generals have seemed capable of doing, starting from the day after the 9/11 attacks, is more or less the same thing with the same dismal results, again and again.

The U.S. military and the national security state that those wars emboldened have become, in effect — and with a bow to the late Chalmers Johnson (a TomDispatch stalwart and a man who knew the gates of hell when he saw them) — a staggeringly well-funded blowback machine. In all these years, while three administrations pursued the spreading war on terror, America’s conflicts in distant lands were largely afterthoughts to its citizenry. Despite the largest demonstrations in history aimed at stopping a war before it began, once the invasion of Iraq occurred, the protests died out and, ever since, Americans have generally ignored their country’s wars, even as the blowback began. Someday, they will have no choice but to pay attention.

#Wealth

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longislandroofingblog · 7 years

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Roofing Contractors Long Island, NY

Exactly What Anyone Must Recognize Before Consulting With A Roofing Contractor?

You’ll get the best from a roofing service contractor if you have a checklist of what you need to ask a roofer. The next information will assist you to produce a roofing company checklist so you’re not puzzled with a bad service when all is said and done.

Roofers must have a good reputation. You may inquire further about it, however some people might just lie regarding their experience. It’s best to ensure they are wait quite some time before they can be hired therefore you have plenty of time to search them up. Have they been capable of making past customers happy or are they always being described in the negative manner? People may say they can be great in your face however their work experiences will tell another story a lot of the time. Anyone who is new needs to be avoided until they already have some reviews or otherwise some references under their belts.

Prior to getting a roofing contractor, it can help to be aware what to ask them. You have found out a tad bit more in terms of employing a roofer which means you don’t waste money. Never employ someone until you know that they are capable of doing what you’re paying them for.

Ask the roofer the things they will charge. Don’t hire anyone until you’ve gotten a value from several contractors. In the event you don’t compose a list of who charges what, then you might never know if what you’re paying is really a fair price or otherwise not. It’s pretty easy to make what you’re going to have to pay normally after getting 3 or maybe more prices. Some roof repair services could cost more over others because they are better, but sometimes they can be just allowing you to overpay simply because they know a lot of people don’t investigate.

Will they recommend that you will get a repair or a whole new roof installed? An excellent roofer can let you know what the options are and exactly what the cheapest route is that you should drop. Should you keep the need to pay a person to execute a repair, then after time which is not gonna be worth it as a new roof could have been cheaper. Get yourself a second opinion about this in case you have a contractor that keeps having to turn out to perform exactly the same job again and again just in case they can be just ripping you off.

Before you go about any type of home upgrades, especially roof replacements, it is important that you have the proper understanding of the work that needs to be done on your home or property. It wouldn’t be smart to stay silent, you need to voice your concerns and get a written agreement before any home improvement is started on your home or business. This will help stop any major issues in the future when you confirm everything before any work is performed on your property. If you work with BDC Roof in Long Island, NY, you do not have to worry about any of that. When it comes to thoroughly explaining any of our roofing services, our contractors are extremely insightful with any information that you need explained. The last and final thing that you need to do is ask for roofing experts to visit your property so you can get an on-site estimate. This way the roofing experts can examine your roof structure, and recognize the type of work that you will need done. This will also help you the more accurate free estimate. BDC Roof will be completely transparent, straightforward, and sincere with you. We will look into the best possible solution for your property.

Conduct A Thorough Research Right Before You Speak With A Roof Repair Contractor in Long Island, NY

One of the most important things to look into is to fully research many different Long Island roofing contractors before hiring anyone of them. If your home is in Long Island, NY, it is smart to look for a roofing contractor within your geographic area and that have previous expertise along with a very good past history and reviews. You need to make sure that you go with a reliable business that care about your needs, safety and that will not take advantage of your pockets. It is important that you choose a roofing company that has pride with their work and in turn, will get the job done the right way. Our team here at BDC Roof have built a solid reputation and customer base. We certainly have a respectable history right here in Long Island. We will make sure to keep you on the right path through your experience working with our company.

Roof Repairs & Roofing Contractors BDC Roof!

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We Specialize In All Residential & Commercial Roof Repairs and Roofing Contractor Services!

CALL (631) 257-3223 NOW!

Roofing Contractors Long Island – BDC

365 County Rd 39A, Suite 5252 Southampton, NY 11968 (631) 257-3223

Roofing Service Areas

Suffolk County Zip Codes:

11701, 11702, 11703, 11704, 11705, 11706, 11707, 11708, 11713, 11715, 11716, 11717, 11718, 11719, 11720, 11721, 11722, 11724, 11725, 11726, 11727, 11729, 11730, 11731, 11733, 11738, 11739, 11740, 11741, 11742, 11743, 11746, 11747, 11749, 11750, 11751, 11752, 11754, 11755, 11757, 11760, 11763, 11764, 11766, 11767, 11768, 11769, 11770, 11772, 11775, 11776, 11777, 11778, 11779, 11780, 11782, 11784, 11786, 11787, 11788, 11789, 11790, 11792, 11794, 11795, 11796, 11798, 11901, 11930, 11931, 11932, 11933, 11934, 11935, 11937, 11939, 11940, 11941, 11942, 11944, 11946, 11947, 11948, 11949, 11950, 11951, 11952, 11953, 11954, 11955, 11956, 11957, 11958, 11959, 11960, 11961, 11962, 11963, 11964, 11965, 11967, 11968, 11969, 11970, 11971, 11972, 11973, 11975, 11976, 11977, 11978, 11980

Nassau County Zip Codes:

11001, 11002, 11003, 11010, 11020, 11021, 11022, 11023, 11024, 11026, 11027, 11030, 11040, 11042, 11050, 11051, 11052, 11053, 11054, 11055, 11096, 11501, 11507, 11509, 11510, 11514, 11516, 11518, 11520, 11530, 11531, 11535, 11542, 11545, 11547, 11548, 11549, 11550, 11551, 11552, 11553, 11554, 11555, 11556, 11557, 11558, 11559, 11560, 11561, 11563, 11565, 11566, 11568, 11569, 11570, 11571, 11572, 11575, 11576, 11577, 11579, 11580, 11581, 11582, 11590, 11594, 11596, 11597, 11598, 11599, 11709, 11710, 11714, 11732, 11735, 11736, 11737, 11753, 11756, 11758, 11762, 11765, 11771, 11773, 11774

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from Roof Repairs & Roofing Contractors Long Island NY https://bdcroof.com/contractors/roofing/roofing-contractors-long-island-ny/?utm_source=Roof%20Repairs%20&%20Roofing%20Contractors%20Long%20Island%20NY&utm_medium=feed&utm_campaign=OneFeedSC via Roofing Contractors

#Roof Repairs #Roofing Contractors #Roof Leaks #Roof Replacement #Roof Repairs & Roofing Contractors

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ynsespoir · 4 years

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6 Ways Online Services are Revolutionizing Healthcare

As the coronavirus swept the globe, industries of all kinds had to find new ways to keep their consumers happy while healthy and safe. This mission was of increasing importance to the healthcare field, as the primary goal of medical services is to promote and protect the best quality of life possible for patients of all ages and backgrounds. As social distancing and mandatory shelter-in-place orders were issued, it upset the normal routine of life for many people. However, those in the medical field also faced challenges with limited supplies, such as masks and protective equipment. Hospitals and care centers in pandemic hotspots took a lot of the available medical supplies, while other locations began to stockpile in preparation for their own battle against COVID-19. This led many medical facilities offering routine, online services or elective surgeries to put the brakes on patient appointments, only seeing those with a medical emergency.

Healthcare Goes Digital

In the wake of the shutdown and the limitations on the healthcare industry, many practitioners found a way to continue seeing patients through digital means. The use of technology for medical care isn’t something new, but the pandemic showed just how easily it could be incorporated on new levels. Things like medical billing, surgical services, imaging, and record-keeping have seen drastic changes as innovation in tech and software have improved, but there was still a lot of hesitancy for delivering patients consultations and health checkups through virtual meetings online. However, with few other options in the height of COVID-19, many online services and opportunities proved their worth. The key areas in which medical professionals are using online means to interact and service patients are through virtual appointments, billing services, testing and results, and self-service portals.

1. Billing Services With Online Services

Many people don’t get excited about the cost of healthcare services and the bill they receive in the mail, but medical professionals that use online services for billing are doing their patients a favor. When physicians and their offices rely on an electronic document management system, it simplifies the claims filing and billing practices for staff and patients, but it also improves accuracy. With a DMS healthcare strategy, all the paperwork that has been filled out by a patient or professionals is converted into an electronic document. As office staff complete files and prepare claims, missing signatures or documents could keep records from being accurate, complete, and even paid. Loose paperwork can get lost, misplaced, or misfiled, leading to complications with patient care, insurance claims, and safety or privacy concerns. Electronic files are more easily managed and recorded without fear of getting lost. It ensures regulatory compliance for the medical office as well as proving enhanced security features for patient information.

In addition to using a DMS system, digital insurance filing systems make it easier for both the medical staff and patients to know what’s going on with the patient’s bill. When a patient presents their insurance card or submits it electronically, online access allows the front-end to know what the patient’s financial responsibility is or what services will and won’t be covered. This can reduce a lot of confusion and chaos concerning unexpected bills and past due amounts that patients are not able to pay. By taking advantage of online healthcare management systems, it improves how patients respond to their bills and financial responsibilities. It can also reduce the financial burden on the medical professional, helping keep costs down for their patients.

2. Virtual Appointments

The varying health needs of individuals make it a lot harder to gain adequate and accurate medical advice without consultation or examination from a licensed medical physician. Too often individuals will turn to online sources like WebMD or a random blog to find out what their ache or pain might mean. The internet has made it easier to gain access to information, but in the area of medical help, not all of the information should be trusted and supplied. Fortunately, the internet has opened up access to experienced, licensed physicians for people all around the globe. Medical professionals from all disciplines of mental and physical health are able to use virtual appointments to connect with patients. More than just a phone call, live video connections allow a physician to see their patient. Adding this layer of visual assessment makes the service more personal, but also more accurate. Doctors are able to notice changes in a person’s health, whether it is the color of their skin, weight gain or loss, or flexibility and range of motion changes. There are two primary appointment services you can find online. There are many virtual appointment options by primary care physicians (especially in light of COVID-19 conditions), but telehealth through third-party services and physicians are also booming.

With the number of smartphone and tablet users increasing daily, telehealth companies have found a niche in the healthcare industry. Providing online access to physicians 24 hours a day and seven days a week has revolutionized how patient care is delivered. Just about everyone has access to the internet, through their mobile device, laptop, or tablet, making it a market that knows no bounds. In fact, trends show that online medical services are only increasing, and the competition among online providers is fierce. Just as any industry experiences, building a reputation and strong client base among the patient popular takes both time and high-quality services. The online clinic services of the telehealth providers have some limitations, but for many, the ability to sit at home and live-chat for a prescription refill or to have an antibiotic called into the pharmacy for their ear infection is a huge attraction.

Insurance companies have also seen the benefit of partnering with telehealth companies. Many of the companies offer reduced costs for those who carry employer insurance plans, and Medicare Part B even covers certain telehealth services. The partnership between services and coverage is impacted by both state and federal laws, but as the demand continues to increase for virtual appointment options, more progressive coverage plans will be forthcoming. Dealing with the pandemic has shown that telehealth opportunities are a wonderful way to improve access to healthcare for citizens across the nation, but costs are still a concern for many people. Online delivery of services is a way to make care more affordable, especially as more in-network partnerships are created with telehealth companies. There are two standout online physician services that have gained a lot of attention for cost and efficiency.

SteadyMD: This is a fully online service that has branded itself for offering “a completely new approach to primary care.” The draw for these services is that your connection with the online provider could replace your visits to a traditional general practitioner. This isn’t meant to be used as a supplemental service. There is a flat rate for enrolling in the service, and when compared to the average cost of copayments across the country, these rates are more affordable. After you sign up for the service, you get to meet (virtually) with a doctor and discuss your health concerns, medical history, and your lifestyle. In spite of being an online service, you get to keep the same doctor from visit to visit. In between appointments, you are also able to contact your physician through calls or texts.

MDLIVE: If you are needing general medical help, urgent care, behavioral health care, or dermatological advice, MDLIVE is considered one of the best in the telehealth arena. Within 15 minutes and from the comfort of your home, potential patients can sign up for enrollment. The website publishes the pricing for each appointment, with urgent care services averaging around $75 for either a video or phone visit. Appointments can be made 24 hours a day and seven days a week, with the average wait time to see a doctor being less than 15 minutes. This telehealth company is known for participating in several different insurance plans and group benefits, which drastically reduces the cost of the service.

3. Testing and Follow-Up With Online Services

Having tests run or scans done is unnerving, and in the pre-tech days, a patient would be waiting several days for the results. When medical professionals order tests, many of them receive the results digitally. In some labs and imaging centers, a physician is sent the results the same day. Using online delivery for testing results and sharing them through online imaging access gives patients a clearer and more efficient delivery of testing results. Online services allow a doctor to mark up the image or make notes for a patient to read, and it makes it more convenient for providers to collaborate with one another even from a distance. The images sent electronically can also be stored in the patient’s file, and yet cloud-based storage makes it accessible from a physician that is working at home, in the hospital, or in the office. Digital imaging can be enlarged for better evaluation, and the ability to share the image between specialists improves the accuracy of the diagnosis.

4. Patient Portals and Self-Service

There is a lot to be said about giving patients the tools they need to help themselves. Establishing a patient portal on the provider’s website does just this. Self-service options for patients can extend from scheduling an appointment to requesting a prescription refill. Many of the portal designs give a provider the ability to load the results from lab work or scans, as well as update a summary of the care or information received on the last appointment. Patients are able to review their health information, download copies of their bill, pay their bill online, or request their records to be transferred to a specialist or another healthcare provider. For parents, patient portals make it easy to download copies of immunization or physical records for school or sports clubs. Going online also provides patients and providers with another level of communication. Email or messaging with the office directly are often features of online service portals, freeing up the phone lines at the office for more critical needs.

5. Affordability

Quality healthcare has long been considered a luxury for many people groups across the nation, and access has been a problem for many as well. Since the passing of the Affordable Care Act, healthcare has become a human right. Online delivery of both care and support services had served to increase affordability and access. Technology has made it easier for medical professionals to streamline their operations, both on the administrative end and the delivery of medical care. When healthcare providers allow the changes in tech to inform the way they operate, it translates into savings for their patients.

One of the primary reasons individuals would avoid seeking healthcare for both routine and troubling conditions was the cost. Even those with insurance couldn’t afford the high deductibles or copayments, on top of the premiums already deducted from their paycheck or bank account. As the ACA has made wellness screenings a mandatory inclusion with the most basic insurance coverage, more people are getting the preventative care that they need. However, as insurance providers continue to raise deductible limits and healthcare prices, many people will still struggle to pay their bills. Providers that have been able to reduce their overhead costs, may be able to pass those savings to individuals on a private-pay plan. These payment options may encourage individuals to seek out treatment, even when they are scared of the costs. The introduction of telehealth options will also reduce the costs of care and increase the likelihood of individuals scheduling the health assessments that they need.

6. Education of Online Services

The use of online delivery platforms for patient/provider relationships have extended past telehealth networks and company websites. Social media platforms have become another way for medical professionals to connect with their patients. For many of these users, the goal is to educate the general public and their patients about changes in the healthcare industry, whether it be new regulations or up and coming medical techniques. By focusing on education, providers can empower individuals to take personal responsibility for their health and wellness. Content that is informative and engaging can help steer people toward a healthier lifestyle and mental health. Using live broadcasts to share new prescriptions or treatment options or to host a question and answer session about a topic are forms of preventative care. The healthier individuals stay, the more they reduce their risk of developing illness, diseases, and cancers. Not filling as many prescriptions or not needing as many appointments or hospital stays translates into further cost-savings for individuals.

The online environment and its technological support have done a lot to change the healthcare industry. Medical professionals are able to engage with their patients and the public in a whole new way, creating positive changes in every area of the patient/provider relationship.

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gameroe · 5 years

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Best Computer Gaming Chair: 5 Hand-Picked For PC Gaming 2019

Your throne or chair plays an important role in your setup. For proper posture and accurate feel of gaming, you need a dedicated gaming chair. These chairs are made keeping gamers in mind.

You might feel that a gaming chair is not that important as it does not matter how and where you sit while playing your favorite games. But it is scientifically proven that correct posture improve your performance and help you play for longer hours without any health issues.

What I Really Think Of the Computer Gaming Chair

As gamers, we depend on our hardware to help up in our hobby these days gaming has become much more of a market and with leading twitch streamers using those fancy chairs in their streams, it makes us think about the reason these chairs are made. They make our hobby more of a profession and more comfortable and fights the myh that gaming affects health of a person.

Why You Should Buy a Computer gaming chair

Gaming chair plays a much major role in gaming than you might think.. These chairs are hugely important as we sit on them for hours on end. Without a gaming chair you can trust, we risk back injury, lack of performance and a whole host of underlying issues. Most gamers believe that using good gaming equipments can improve your performance and enhance your gaming experience. That's why we go to great lengths to find you the Best gaming PC chairs on the market.

The Current cutting-edge technology

You all know that good gaming equipments can enhance your gaming experience and improve your performance. There are tons of great options out there and each one provides you the features required.

How we picked & tested

All of the chairs reviewed here come highly rated, highly reviewed and are some of the most sought-after chairs in the market for that reason. Will they be the absolute best for you? One thing we can’t determine are your individual needs but on average, the chairs reviewed here at the best gaming chairs currently out today for everyone on average. When you’re paying a hefty price for a chair, we want to make sure that the chair takes your comfort seriously.

Why You Should Trust Me

As a professional review expert, I've reviewed and analyzed thousands of products. This list has been created after in-depth analysis and first-hand inspection of the products. I can confidently state that my list of top 5 best computer gaming chairs 2018 is one that you can fully trust.

5 Best Computer Gaming Chairs 2019

Most of the gamera are conscious about their gaming setup. If you area a hardcore gamer or a regular gamer you need a chair to help you work or play for long hours.

Even if you use you desktop or your laptop occasionally a right posture and perfect structure will never do any harm.

Top 1: Homall gaming chair Reviews

The Homall Gaming seat is a highly contrasting wonder outlined particularly to race amusements with hustling style high back calfskin. It is made with 1.8mm thick steel outline including against oxidant and has high thickness agreeable froth. It utilize class 3 gas for lifting that is confirmed by the SGS for help up to 300lbs and can turn to 360 degrees with the elastic casters and swivel situate that roll unobtrusively.

This seat from Homall is of measurements 22.5 x 30.5 at the back and the seat measurements are 19.8 x 20.5 that is customizable to 17.3 - 21.5" . The seat can be pivoted forward and backward by the assistance of a rotating handle.

Pros

The Homall Gaming seat accompanies headrest and lumbar help.

This seat is uniquely intended for hustling style amusements.

It has an openly flexible lumbar help for more solace.

This item is exceptionally sturdy with full steel outline.

Cons

The armrests of this seat from Homall are not movable.

The client benefit for this seat is somewhat difficult to get.

Our verdict

This Homall Gaming seat is an extremely awesome item at its cost that highlights hustling style look and plan. I accompany exceptionally agreeable and superb texture and give amazing solace. Alongside this it is anything but difficult to set up and is fit to be in the best gaming seats of 2018.

Top 2: Devoko Ergonomic Gaming Chair Reviews

The Devoko Ergonomic Gaming Chair is a very bended back seat that is secured with breathable premium leather and is intended to resemble a hustling style movable seat. This seat offers unreservedly movable lumbar alongside headrest cushion to help for neck and your back. The movable back with various points up to 180 degrees gives you the right stance you like.

This item has a heap limit of 300lbs with seating region of 19.8"x20.5.the flexible backrest has measurements 19.8"x30.5" and the seat of this seat is customizable to 16.1 to 20 inches. By and large the item is of size 19.8 x 20.5 x 46.6-50.5 inches.

Pros

This seat is has the ideal hopes to make you gaming set up look more premium.

The pad is removable that can be balanced by what you like.

It has an uninhibitedly customizable lumbar help for more solace.

The seat has a wide size and a tall back to help you completely.

Cons

The PU leather stinks up the room a bit when opened naturally from the case.

The armrests can be somewhat awkward.

Our verdict

The Devoko Ergonomic Gaming Chair is 100% worth the value it seeks with very little to grumble about. In the event that you diversion a ton on standard predispositions and need your setup to look great and can rest easy, this seat is the ideal decision for you and with give you will all the solace you require.

Top 3: Furmax Gaming Chair Reviews

This Furmax Gaming Chair comes in blue and white hues outlined with the looks of a gaming seat. It is influenced utilizing high caliber and thick lather to give super agreeable to involvement. This seat from Furmax Gaming offers a haul out or flips over footrest that gives an ideal unwinding amid your exceptional gaming sessions. The seat has a firm back with agreeable and customizable backrest that can be balanced from 60 to 180 degrees to give you bed like solace.

The seat has measurements of seat 20.9 x 19.7 with a heap limit of 310 lbs. The ottoman zone is flip capable and has a size of 14.9 x 9.5 inches.

Pros

The seat is dashing style with extraordinary looks and solace.

This item is Easy to setup.

Has a haul out hassock that encourages you rest.

Cons

The manual is terrible and does not give much help.

There is no bolt to keep it from turning.

Our verdict

This Furmax Gaming Chair is an entire solace package and gives an incredible ordeal. Indeed, even intense it has an awful client manual it is extremely simple to set up. The haul out footrest gives an incredible solace and is exceptionally adaptable.

Top 4: HAPPYGAME Racing Gaming Chair Reviews

The HAPPYGAME Gaming office Chair is made with quality materials which is sturdy, stable and durable. It would be a great choice for those who want to be more comfortable while they are working, gaming or resting. Specification: -Tilt Locking mechanism 90-155 degrees angle adjuster -Height-adjustable gas spring cylinder -Sturdy five star base for good support -Easy to move with caster wheels -Ergonomically designed -Premium PU leather material -2D armrests can be adjusted up and down / right and left -Headrest pillow and lumbar cushion are included which could be detachable -Load capacity up to 300 lbs Dimension: -Overall Size: 26.4 x 21.7 x 48- 51.2 inches (W x D x H); -Seat Area: 14.6 x 20.1 inches (W x D); -Backrest Size: 23.2 x 32.3 inches (W x H)

Pros

Has adjustable gas spring cylinder

Is easy to move with lockable caster wheels

Its load capacity up to 400 lbs

Has Breathable and soft fabric

Cons

Is less wider

Sometimes the whole chair feels like its tipping forward

Our verdict

Top 5: GTRACING High Back Gaming Chair Review

This chair provides comfort and allows you to sit with posture without any sweat It provides high level of comfort with cushions supporting every part of your body.

This chair can be used for a person of any size as it provides a wide area and 330-pound weight capacity enables even heavy people to stay comfortable. This chair is highly adjustable and lumbars provide full comfort and let you adjust the chair according to your comfort.

Pros

It rolls smoothly.

The chair is easy to assemble.

Lumbar cushions are adjustable.

The cushion of the seat and backrest is comfortable.

The chair comes in cute color choices.

Cons

Head pillow is too big.

The base makes a weird pop-noise once you lean back.

Our verdict

You want a chair that will make you feel like its worth sitting on. When you are doing daily tasks this chair will make you comfortable enough so that you can sit around all day to complete your work and feel relaxed at the same time.

What I really Think Of

Every one of the seats specified in the rundown is consummately fit to be in this rundown and are simply an issue of individual inclination. The HomallGaming, Devoto Ergonomic Gaming Chair and theFurmax Ergonomic are the perfect decision for those gamers who sit around their work area entire day and don't need a seat to enable them to unwind while playing. All the five seats are the best fit for the individuals who need their seat to be the superbly exact size and movable. They all are very comfortable and surely will make your gaming experience more exciting.

Tips You Should Know

IF you need a chair that is well in you budget and provides you comfort and relaxation then these chairs are perfect for you. You need to look for customization, cushions and build quality whan purchasing a chair.

Read Best Gaming Chair Ultimate Guide

If you found my reviews helpful and need to look for more of the topics like DXRacer Gaming Chairs and many more you can check out the other guides and find the most honest and useful reviews on the products.

Final Words

So this was all about the best gaming chairs in the market of 2019 along with all the features that are needed in a perfect gaming chair. All these are great quality and I can say tht you will not regret buying any of them.

The following post Best Computer Gaming Chair: 5 Hand-Picked For PC Gaming 2019 was originally seen on: www.gameroe.com

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kaliiwashere · 5 years

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secondary glazing aluminium windows

If secondary glazing you understand what you need: Buy Online under. If you're feeling completely assured in measuring and putting in for yourself then please use our Estimate or Purchase On-line pages to position your order. These use plastic sheet, glass or thermal film, with a variety of cosmetic finishes and selection of colours. The two completely different items of glass act as impartial boundaries and forestall additional transmission of noise. Extraglaze is sort of completely unnoticeable as soon as put in yet has wonderful thermal and draught capabilities in addition to soundproofing from outside noise. It insulates heat and reduces noise pollution significantly, which makes it a popular different to double glazed windows. Secondary glazing permits the windows to have the ability to maintain for very long time with out repairs and reduces the heat loss or air leaks. It has been proven that 60% of heat loss from homes is thru traditional windows and doorways. Many homeowners residing in heritage listed properties will know that you just either cannot make changes to the prevailing facade or may be very complicated and dear. For the white French country fashion kitchen, painted poplar will give you a similar look as maple at a lower price, nevertheless it will not resist nicks.

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Thankfully both soundproof windows and secondary glazing items will offer you a degree of thermal insulation. Double glazing units are made from a variety of various materials but the most common are PVC, Wood and Steel. What is Argon Fuel, and why is it important for Double Glazing? This material additionally conducts heat poorly so it will probably work in conjunction with the double glazing to assist keep the heat inside. In these situations we will supply secondary double glazing as a way to extend the energy efficiency of the glazing in your interval property. Please note that Magnafix (any magnetic tape system) for perspex acrylic secondary double glazing, has its limitations in panel dimension. The right fit makes it impossible for people to note the secondary unit from exterior. This fashion of secondary opens upwards sliding vertically and is perfect for mirroring traditional vertical sliding sash home windows. There are many stylish choices available on uPVC sash home windows that mirror the key features of those original timber windows. Where the 2 windows meet in the centre of the body, there's a lock, to make sure safety.

The panels are stored parallel, however there is a small hole of 0.5-0.Seventy five inches between the 2. There are numerous reasons to decide on them, listed here are listed some: - The service life and warranties of these home windows will be prolonged to a lifespan of over 60 years. Due to the fragile thought of glass, you have to ensure they are transported deliberately out and about. With these information in thoughts, it may be that you simply now have one different choice to think about. This is one other motive to shop local, as a nationwide provider may merely guide you in the direction of probably the most expensive possibility. Retrofitting outdated frames - When you've got new frames or they're in very good situation, your installer might be able to retrofit your new glazing into the old frames. The first picture is the brand new version and the second is the previous version. ECO Secondary Glazing Restricted are an organization which is proud of its wonderful fame, built up by ensuring every effort is made to offer a tailored customer service which is second to none. In case you are looking for 12 home windows for a three bedroom house, with a mixture of window sizes the associated fee is more likely to be between £5,250-£7,500.

Our resolution was carefully tailor-made considering value and practicality. Our products supply another to householders who don't wish to exchange their secondary glazing london present character windows, and lots of cannot resulting from listed constructing regulations. As well as, we offer choices for large areas of glass, together with door openings and feature windows. Welcome to Melbourne’s best soundproof windows glazing company! We calculated that getting B-rated windows as a substitute of C-rated, or A-rated as an alternative of B-rated, would save you round a further 6.5% on your power payments. How Much Energy Can you Preserve With Secondary Glazing? I'm positive you can think about just how cold the water is in the mean time and the poor man was in shock. It is common knowledge that extended exposure to a chilly and damp setting results in health complications sooner or later, especially for the very young and the elderly. When the climate is extraordinarily chilly, wood, fiberglass or vinyl is the perfect material for framing. Along with our Head Office operation we now have Amenities in London in addition to Regional Technical & Commerce Representatives, Regional Surveyors and a Nationwide Community of Authorized Installers. 10 Wacky Uses For An Orangery Whether you are building new or remodeling, selecting the most appropriate conservatories and windows supplier for your household will probably be crucial. When it comes to going for it, you'll either know precisely what style you want and what is necessary to maximize these architectural features. Otherwise, you probably will be a little more likely to end up trying to your supplier to look at you through the various and varied options. It is a well-known idea that nearly all household heat is lost through windows and roofs. Heat loss has an impact on your efforts bill and ultimately your carbon footprint. Installing double glazed windows can save you A�165 per year (using B-rated windows at the very least). Naturally you will be using less energy (less fuel) hence the level of generated skin tightening and will appear reduced too. Carbon dioxide is a major contributor to climate change. Energy efficiency is simply a recent concern and wasn't a worry many years ago. This explains why traditional windows just aren't designed to prevent energy loss and why they also fight to maintain their appeal after having a specific amount of time. They tend to rot, crack and become less reliable as they age. But new windows could be trusted to have their appearance, so that you will need not take into consideration replacing them in the immediate future. There are a few disadvantages to the telltale kinds of windows. The main negative thing is that in a few houses you are unable to have casements. Not all houses possess the space between windows that they may have windows that open fully there is an additional window nearby, casements would not be suitable. Also there may be the couple of height and width of the windows. Because the frames open outward, correctly not too heavy or to much time as otherwise they would just fall out relatively simple. This is why I would normally advise to train on a reputable supplier to adjust to the casements so that you can feel safe knowing that the best measurements, preparations and materials happen to be used. There are many factors that can affect the U values of double glazed windows, including the material that the frame is created, the product quality and care about detail in construction and designs, whether air or argon gas is employed within the gap involving the panes of glass, whether the window uses energy-saving glass and many more.

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thecoroutfitters · 5 years

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emmboyyd-blog · 6 years

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You Can Get Affordable Senior Life Insurance Even if You're Overweight

The short answer is yes it's possible. But I know you want to know more than that, so let me explain the ins and outs of getting life insurance if you are overweight.

How Do Insurance Companies Look at Weight?

Every insurance company looks at weight slightly differently. Most carriers have a height and weight chart. Some use a BMI (body mass index) chart. Some carriers are more lenient with their weight guidelines than others. Many carriers have a different chart for men and women. Many carriers have different charts for age 60 and over which is more lenient than for younger applicants. I'm Overweight. How Do I find the Best Deal? As you might imagine, it would be hard to figure out which company will be best for you if you are overweight. Let's make this easy. If you speak with an independent life insurance agent they will have software that takes your height and weight into account. Additionally, they can put in other medical information that might affect your quote to get you the most accurate idea of what you will pay for insurance and which carrier will be best. What If I'm Losing Weight? Losing weight is great for many reasons besides life insurance pricing. But don't wait to get coverage. (See below for Shouldn't I wait?) Better to understand how weight is treated and use that to your advantage. All policies requiring a medical exam will ask if you have lost more than 10 pounds in the last year (or 6 months, etc.). If the answer is yes, they will add back half of the weight you have lost to get the weight they will use to underwrite your insurance. Example....

You currently weigh 150 pounds

You have lost 30 pounds in the last year

Today your weight for insurance underwriting is 165 pounds

What If My Weight is Just on the Line? Height and weight may be the first measurement the insurance company underwriter looks at, but there are many more that will be considered. Having an independent agent means you have an advocate in your corner. Your agent may be able to go back to the carrier and see if they can bump you up by giving you credits for other measurements and lifestyle choices that are healthy. Having an independent agent with an in-house underwriter can really help in cases like this. Shouldn't I Wait Until I Lose All the Weight? Probably not for a number of reasons!

What if you hit a plateau and stop losing weight?

What if you put more weight on?

What if you develop a new medical condition? It could make your cost higher or even make you uninsurable.

How long will it take you to lose the weight? You will be older. Older translates into a more expensive premium.

None of us know what will happen tomorrow so protect your loved ones today.

We suggest you put a policy in place now. Then keep working on your weight. When your weight is stable we can look at replacing this policy. Just remember, even if you can't get as much coverage as you would like right now, if the unthinkable were to happen, your loved ones will be happy you have insurance. Ask anyone you know who's been through it, some insurance is better than no insurance. What Kinds of Policies Can I Get? Are you looking for term life or a permanent policy? Depending on the amount of insurance you want, your age, build, and health will determine which of types of policies will be the best fit for you. Your independent life insurance agent will show you which policy is best to fulfill your goals. Your budget will be another factor that determines what type of policy and how much coverage you get. You can get a fully underwritten policy, either permanent or term. You can also get a policy that doesn't require a medical exam. These policies often have liberal weight guidelines. What About Getting Quotes On-Line? There are many on-line calculators that ask your height and weight before giving you a quote. But the truth is that there are so many issues that impact your choice of policy type and company and premium that it's nearly impossible to get the best deal by yourself. Buying life insurance is one of the most important purchases you will ever make. You want to be educated and understand what you are buying and why it's the right choice. There's no cost to you for having an agent. The insurance policy prices are set and registered with your state Insurance Commissioner. The Bottom Line Your weight is an important measurement for the insurance carrier underwriter. An independent life insurance agent will make your search for the best policy easy. They will help you get the lowest pricing for your policy as well. You have nothing to lose and everything to gain by using an independent life insurance agent if being overweight is one of your concerns and you want life insurance now.

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