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“Plan G is most popular because it’s the most comprehensive ,” says Murdoch. “Typically, Medicare pays 80% of medical costs, and Medicare Supplement plans cover the other 20%.” What Is Medicare Supplement Plan G? “If you go the Original Medicare route, you can pick from the different Medicare Supplement plans to cover everything after Medicare pays,” explains Sarah Murdoch, director of client services at Medicare Rights Center, a national nonprofit organization helping older adults navigate access to Medicare. To help cover out-of-pocket expenses, private health insurance companies offer 10 Medicare Supplement plans for customers to choose from based on their needs and anticipated expenses. In 2023 Part B requires an annual deductible of $226, a monthly premium starting at $164.90, as well as copays and out-of-pocket expenses. Original Medicare includes Part A, which covers hospital stays, skilled nursing and some home health care, and Part B, which covers doctors services, outpatient care, medical supplies and preventative services. choose Original Medicare rather than a Medicare Advantage plan Medicare Advantage in 2023: Enrollment Update and Key Trends. As of 2023, a little less than half of all eligible adults in the U.S. When it’s time to choose a Medicare health insurance plan, typically at age 65, eligible adults can opt for Original Medicare ( Plan A and Plan B), which is provided by the federal government, or purchase a Medicare Advantage plan from a private health insurance company. While we work hard to provide accurate and up-to-date information that we think you will find relevant, Forbes Health does not and cannot guarantee that any information provided is complete and makes no representations or warranties in connection thereto, nor to the accuracy or applicability thereof. The compensation we receive from advertisers does not influence the recommendations or advice our editorial team provides in our articles or otherwise impact any of the editorial content on Forbes Health. Second, we also include links to advertisers’ offers in some of our articles these “affiliate links” may generate income for our site when you click on them. This site does not include all companies or products available within the market. The compensation we receive for those placements affects how and where advertisers’ offers appear on the site. First, we provide paid placements to advertisers to present their offers. This compensation comes from two main sources. To help support our reporting work, and to continue our ability to provide this content for free to our readers, we receive compensation from the companies that advertise on the Forbes Health site. The Forbes Health editorial team is independent and objective. We hope that our game has provided you with a lot of entertainment to help you through this year. But to you guys? Well, I guess you’ll just have to connect the dots for yourselves.Īll Toontown Offline Commands 2020 Thank you so much for reading today’s blog post and sticking with Toontown Offline in 2020. To us, we know what each of the following images represents. Pictured below is an out-of-context compilation that shows off what we’ve been working on lately for our Operation: Seek Out Scrooge update. After all, we can’t show you Toontown Infinite Commands everything, now can we? Despite this, we thought of an idea that could meet you in the middle. We feel that by showing off any more (at least for a while), it would sour the surprise we want to build up for this update. However, we’ve already shown off a lot already this year. As this is the last blog post of the year, we wanted to possibly show off a snippet of what we’ve been working on for Operation: Seek Out Scrooge. But hey, what a surprise it would be if we did manage something like that! And of course, we will have a stream of small miscellaneous content release as we have been doing ever since our v1.0 update.ĭon’t worry- I don’t plan to leave you empty handed though. That may not be the answer you were looking to hear, but it’s the answer you deserve. Will it be ready in 2021? If I were to guess, I’d say it’s not very likely. So what happens now? What’s on the horizon for Toontown Offline in 2021? Rest assured, we are consistently working on our huge Operation: Seek Out Scrooge update. We’ve used so much content given to us in the Pandora and Anesidora leaks, including the contents of the Toontown Beta Disc released by Joe Schochet. And as you most likely know, we sure as heck took advantage of all these leaks had to offer. It came in the form of never-before-seen assets, original source code, and a snapshot of what Toontown was like in it’s Beta days. Despite being nearly a decade since the original game closed, we were treated to a plethora of leaks and content from the game’s history. Without a doubt, 2020 has been the biggest year for Toontown history yet. There are many things we have to be grateful for this year, specifically when it comes to the Toontown community. Things will improve.Ģ020 hasn’t been all doom-and-gloom, though. And whether that happens in 2021 or beyond, just know we’re all in the same boat. We at Toontown Offline wish to put out a statement to all of our fans we can do this. Not being able to go out and see your friends, attend real-life events, or even learn in an actual classroom. Enough of that though, let’s get into today’s post- the final Toontown Offline blog post of 2020.īefore going any further, we’d like to bring attention to the hard times we’ve all experienced this year. Hey there everyone! Do you ever get tired of the greetings in these blog posts? After a while, I find myself struggling to come up with something that sounds different enough from the last time, so from here on out I think we’ll just stick to the same greeting for every blog post. Im selling my key for 30 originally 35 but 30 seems like a fair price. There is no limitations beside how many people can use the same licence key. To share SW MAX with someone else, just share the licence key. May 13: I receive an email from [ that my license key was reactivated :)Īll-in-all, the actual product, Save Wizard, is great and adds a lot of fun but their customer service team must be well beyond overburdened. Text quote The licence key can be used on multiple PCs, but 2 people can make use of it.May 11 (>2 weeks after my original purchase): I sent yet another email to [ to inquire when my license key would be reissued or activated.May 2: I email [ to inform them the dispute was dropped.This meant I had to drop the dispute and forfeit any possibility of getting a refund, whether SW allowed me to use their product or not. May 1 (the following business day): I called PayPal and then my bank to give them the "okay" on the transaction.Apr 29: Email sent to [ Apr 30: Received response from [ stating that if the dispute was resolved in their favor or if I canceled the dispute, then they would restore my license key.Here's how it all ended up going down for me: I hope I'm wrong but at this point I imagine Save Wizard's support team will fail to get back to PayPal in the next 10 days and I'll get my money back due to no response on their part. I have a tough time wrapping my head around why the support team with Save Wizard would take zero action after finding issues raised. I see a reply in the SW Discord by a user "SaveWizard The Grey" which leads me to believe they work for Save Wizard. I called PayPal to see if I could reverse the dispute in hopes that doing so might "revalidate" my license key from SW but I hesitate to this as PayPal says "By marking this problem as resolved, you agree that no further problems can be raised for this transaction." The representative at PayPal adjusted the disputed claim to be labeled as "Not as described" (even though I think that's a stretch) and Data Power Development Limited (the seller of Save Wizard) has 10 days to respond to PayPal. Unfortunately, I haven't received any official replies from Save Wizard yet. I've attempted to reach out to Save Wizard (1) via email, (2) their Discord support server, (3) their FaceBook page, and (4) on here via their subreddit. Universal Newborn Screening is resulting in even earlier identification and intervention than ever before.ģ- There is greater awareness and expectations that deaf children can indeed learn to talk thanks in part to the mass media. A combination of intensive, directed auditory training, speech reading and contextual cues, enables most deaf children to comprehend spoken language and use intelligible speech to communicate.Ģ- Earlier diagnosis and earlier fitting of hearing aids stimulates a deaf child's auditory system while capitalizing on whatever residual hearing the child has at a very early age. These factors include:ġ- The improved technology in hearing aids and cochlear implants makes it possible for most deaf children to receive enough auditory information so that learning to speak can be a realistic objective. There is renewed interest in auditory-oral education and there are a variety of factors which account for the increasing demand from parents of deaf children for their children to learn to talk in auditory-oral programs. If an individual does not have the ability to speak and understand the speech of others, that individual's associations and links with the vast majority of society are severely restricted. Deaf adults are surrounded most of the time by normally hearing people and the demands of everyday life necessitate a considerable amount of interaction with people who speak and do not sign. The ideological basis of the auditory-oral approach is that spoken language is the predominant means by which the majority of people interact. Studies support the notion that an emphasis on spoken English results in higher reading levels for deaf children than that which is achieved for children using signing approaches (Moog and Geers, Volta Review, 1989) The auditory-oral approach facilitates development of reading and writing skills because proficiency in the English language is critical to developing good reading ability. Graduates of auditory-oral schools are typically capable of being mainstreamed academically, socially and professionally to a large degree and being able to talk gives them ''mainstream life'' as an option if they so choose. Mainstreaming is implemented as early as possible, first through interaction in the family and neighborhood and later in schools with normal hearing children with full inclusion being the ultimate goal. The goal of mainstreaming is to give the deaf individual the necessary spoken language skills to be mainstreamed educationally and to function independently in the hearing world without a sign language interpreter. I will outline my thoughts on this topic below.Įxpected outcomes for Auditory-Oral education include: The benefits of auditory-oral education are great, but success in this approach requires hard work from the teachers, parents and the children. Sign language is not used in this approach. It is my belief that an auditory-oral approach to education teaches deaf children to use their residual hearing in combination with speech reading and contextual cues to better comprehend and use spoken language. 3 Reroll Orcs QuantityĪgain the price increase on the Big Uns requires a sacrifice to start with there rerolls. As the Thrower will often be used to carry the ball it’s more important that he gets Block so I wouldn’t count on getting Leader. Purchase sequence would probably be Apothecary, then the Blitzer and then save up for an extra reroll. That could lead to going through your rerolls, or getting more turnovers than before when you had that extra Blitzer. You do only have two team rerolls and are starting with one less player with Block. However the Big Uns and the Troll can be really slow to develop, so it benefits them to have them from the start. The Blitzers are your best players so it’s disappointing to not start with one of them. The price rises on the Big Un Blockers means you have to sacrifice one of the starting Blitzers if you want to create the team with all the highest strength players. QTYĪnimosity (all team-mates), Pass, Sure HandsĪlways Hungry, Loner (4+), Mighty Blow (+1), Projectile Vomit, Really Stupid, Regeneration, Throw Team Mate Animosity can be a pain but it shouldn’t cause that many problems. It also meant that I had that extra Blitzer free on the outside of the cage, rather than an Orc Lineman. I personally never had much a problem with the slower movement of a Thrower as a standard game plan meant slow advancement of the ball anyway. Even though the Thrower has been made a bit cheaper which should make them more desirable, the fact they have Animosity will mean they refuse to hand off, or pass the ball on a D6 roll of a 1. The reason being is that they are slower than Blitzers and coaches always want to get star player points on the Blitzers as well. Orc Throwers can often be shunned players by some Orc coaches. However as both of those players have Animosity against all their team mates, it can on occasion complicate matter and it’s also harder to try and feed star player points to specific players. As you usually use the Thrower or Blitzers to do the ball carrying and keeping the ball on them until they score it shouldn’t be a huge factor. The Troll has also had a small price increase.Īnother change to Orc teams is that most of the players now have Animosity. 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When the Australian Capital Territory adopted the gang-gang as its emblem in 1997 it was the only state or territory to feature a bird as its faunal emblem instead of a mammal. Photo: Tracey Nearmy/ANU They are a Canberra icon Many compare their call to the sound of a drawn-out creaky door.” Stacey Taylor, a Master’s student at ANU, is studying gang-gang cockatoos in the ACT. If you can’t get close enough to identify it, try listening instead. “Their most distinctive trait is their call that is often heard while they are in flight. “They are not as commonly spotted as other similar sized parrots and should certainly not be mistaken for the much more common, but also beautifully coloured, galah.” “The males boast a spectacular red head and both the males and females have a wispy crest.” “Gang-gangs are an incredibly beautiful parrot,” Taylor says. Gang-gangs, one of 14 cockatoo species in Australia, are crowd favourites for their slate-grey feathers with blushes of pink, the male’s distinctive red crest, and their quirky call. We asked our gang-gang guru what we know about the birds, what we still need to find out, and what makes these charismatic cockies special. No formal research or monitoring has been conducted about the species, says Stacey Taylor, a Master’s student at The Australian National University (ANU) who is studying the patterns of occupancy of the gang-gang across the ACT. That became clear in the 2021 Bird of the Year poll, where they finished third out of 50 Australian native birds.ĭespite their popularity, we don’t know a lot about them. They are the faunal emblem of the Australian Capital Territory, but enthusiasm for the gang-gang cockatoo stretches far beyond the Canberra bubble. I was sitting in a porch chair in front of my living room window. My most surprising - and definitely hair-raising - encounter with a hawk occurred this past April. This year, I’ve had a young Cooper’s hawk come by she was born in 2021 and seemed to be searching for something to make her day.Ībove you see her eye covered by the nictitating membrane Ultimately, she was able to put the squirrel out of its misery and she finally flew off with it to consume her meal elsewhere. While she was trying to hold onto and kill the rodent, a pair of crows began harassing her, but she held her ground. Nevertheless, she had her work cut out in subduing the squirrel. The female Cooper’s hawks are up to one-third larger in size than the males and she was a hefty individual. So unless I see rocket assists on a Sharp-shinned (maxing out at around 7 ounces) they can’t lift the full carcass of an adult EG Squirrel.” And even cargo helicopters strain to lift much more than their own weight. One commented: “Largest female Cooper’s are around 21 ounces obese Eastern Gray Squirrels are around that but most we see are little more than half that. The experts informed me that she was an exceptionally large Cooper’s hawk. Until recently, I was convinced that she was a red-shouldered hawk, but I decided to ask for confirmation from a raptor ID group on Facebook. In 2019, a hawk caught a squirrel in my yard. The sharp-shinned hawks (seen above and below) don’t seem to visit as often as the Cooper’s hawks. Size is one clue to identity with a sharp-shinned hawk averaging 10-14 inches in length (jay- or dove-sized, 25-35 cm), and a Cooper’s hawk being about crow-sized, averaging 15-20 inches long (38-51 cm). To inexperienced birders, they look very similar. The Cooper’s and sharp-shinned hawks are the most frequent visitors. The hawks whom I see often include four species that frequent my neighborhood, including my yard - the red-shouldered hawk ( Buteo lineatus), the red-tailed hawk ( Buteo jamaicensis), the Cooper’s hawk ( Accipiter cooperii) and the sharp-shinned hawk ( Accipiter striatus). Meals can last quite some time while they dismember their prey, as was the case for the barred owl above ( Strix varia) who was eating a squirrel. When raptors dine, they rarely gulp down their food. When songbirds eat insects, they dismantle and swallow them fairly quickly. While I can spend quite a while just watching them soar, build nests and care for their young, I admittedly don’t always enjoy seeing them eat. I really enjoy watching raptors and, fortunately, I see them regularly on my nature walks. It’s been quite a while since my last blog other things keep getting in the way of my writing! In any case, I’d promised you a tale of a close encounter with a hawk here it finally is! Provide personal details, verify and make payments.Īfter payment confirmation, you will receive Stellar Repair for Access software Access key on your registered mail ID.Select the payment method from the given options and click Next.
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