text:
There are many nervous system disorders that require clinical care by a physician or other healthcare professional. Listed in the directory below are some, for which we have provided a brief overview.
Acute Spinal Cord Injury
Alzheimer's Disease
Amyotrophic Lateral Sclerosis (ALS)
Bell's Palsy
Brain Tumors
Cerebral Aneurysm
Epilepsy and Seizures
Guillain-Barré Syndrome
Cluster Headaches
Tension Headaches
Migraine Headaches
How a Migraine Happens
Diagnosis and Treatment for Migraines
Head Injury
Lumbar Disk Disease (Herniated Disk)
Multiple Sclerosis
Muscular Dystrophy
Types of Muscular Dystrophy and Neuromuscular Diseases
Myasthenia Gravis
Neurocutaneous Syndromes
Parkinson's Disease
Stroke (Brain Attack)
Overview of Stroke
Types of Stroke
Effects of Stroke
Evaluation Procedures for Stroke
Rehabilitation for Stroke


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Fiduciary liability insurance covers a very specific risk–and a potentially financially devastating one. The risk is breaching fiduciary duties, and it comes from the Employee Retirement Security Act of 1974 (ERISA), which governs many employee benefit schemes.
Officers of a company who oversee such schemes have fiduciary duties. This means that they are ethically and legally bound to act in the best interests of the employees, and can be sued if they breach this duty (even unintentionally). A breach of this duty could be as simple as making investment decisions for the plan that don't work out well.
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subset: commoncrawl


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A 10% Buyer's Premium will be added to the final Sales Price. All applicable taxes will be assessed based on the sum of the sales price and buyer's premium.
Our new software is cloud based. All bidding is online with your personal device. Bidding online will require an active and stable connection to the Internet in order to function correctly.
It is therefore your responsibility to ensure that you have at all times an active and stable Internet connection. Our website is monitored for best and successful bidding.
Device Update: If you are using an Apple (iphone, ipad, Macbook) Device and the Lots or Bid Button are not showing up - that is an indication, you may need to do a Software Update. (You will find your Software Update status in Settings under General)
Pickett Auction Service is not responsible for internet connection or device update / upgrade needed that may result in loss of bids.
LOCATION: 20217 HWY 95, Wilder, ID 83676 -- 4 Miles west of Greenleaf. From I-84 exit 27 go south on Centennial then west on Simplot Blvd (Hwy 19) through the town of Greenleaf 4 miles west and turn left onto HWY 95 -- signs posted for New Lot.
SOME ITEMS WILL NOT BE LOCATED ON SITE. Those locations will be noted in the item description.
*** FOR AUCTION SPECIFIC DETAILS: Buyer's premium, payment dates, credit card policies, preview & load out dates and times. ~ Please view all the information lots and easy information icons buttons at the top.
NO PAYMENTS OR LOADING OUT WILL BE CONDUCTED DURING THE CLOSE OF THE AUCTION. Please refer to Removal Times or Lots on Payment & Load Out for specific days and times.
INTERNET CONNECTION: Our new software is cloud based. All bidding is online with your personal device. Bidding online will require an active and stable connection to the Internet in order to function correctly. It is therefore your responsibility to ensure that you have at all times an active and stable Internet connection. Our website is monitored for best and successful bidding. Pickett Auction Service is not responsible for internet connection or technology disruption resulting in loss of bids. Pickett Auction does reserve the right to pause the bidding if technology disruption affects the bidding software.
Please DO NOT mail your payment.
YOU WILL RECEIVE AN INVOICE BY EMAIL & BY LOGGING INTO YOUR BIDDING ACCOUNT -- Your credit card IS NOT automatically charged. Cash, Visa, M/C, Discover, & Debit Card. (4% fee on all cards) Check or Check by Phone. Wire Transfer (fees may apply). **WE NO LONGER ACCEPT AMERICAN EXPRESS**
Invoices will be emailed and will show up in your bidding account to all winning bidders within 2 hours of the completion of the auction.
**IF YOU DO NOT RECIEVE AN INVOICE ~ CALL OUR OFFICE AT 208-455-1419** Invoices unsettled after the due date will be charged to credit card at registration. Be sure you are prepared and capable of paying immediately as bids are not conditional upon financing. Please review the payment due dates again for clarity. There is an additional 4% fee for payment by credit/debit card. Your invoice total will not reflect the additional 4% if paying by credit/debit card. This amount is to be added at time of payment. 10% Buyer's premium will be charged up to a maximum premium of $500 per item.
Pickett Auction Service management acts as agents for the sellers and assume no liability for either buyers or sellers. Any representations made by the management are made on behalf of the seller. Pickett Auction Service acts only as a medium between buyer and seller and may not be held liable financially or otherwise for any failure any warranties expressed or implied as set forth in these terms and conditions. Every effort has been made to address correctness of the auction items. All items sold "AS IS"
Pickett Auction Service does not assume responsibility for errors or omissions as all items are available for bidder preview and inspection.
Registration: All buyers will register to bid through the website. Bidders will establish a username and password. A credit card authorization (authorizing PAS to use if payment is not received by due date) will be required at time of registration. The credit card will not be used for payment automatically, an invoice will be emailed to successful buyers at the close of auction and payments will be accepted as bidders prefer. Please be sure that you have SUCCESSFULLY completed the credit card authorization prior to bidding. If you wait until the last minute to perform this operation you may be late to bid on your desired lots.
**NO SHIPPING AVAILABLE** We do not have shipping staff. Due to our Lot location and set up, we are unable to accommodate shipping.
Bigger Items needing Transport: It is buyers' responsibility to contact, schedule and communicate load out days and times for items to be picked up. Your items will be loaded as Pictured. We do not commit to binding, wrapping, or securing your load for transport. PLEASE CALL 208-455-1419 AND COMMUNICATE THE NEEDS SO THERE IS NO MISUNDERSTANDING, Thank you!
LOAD OUT SERVICE & APPROVAL: Pickett Auction Service provides both staff and EQUIPMENT to load your auction items. We are here to ASSIST you. It is the customer's responsibility to bring their own tools, pallets, posts, stickers, or straps for hauling materials - we do not provide these. Please plan your trip accordingly for safe and legal hauling. If customers provide improper equipment or vehicles
*** We reserve the right to deem a load unsafe and can discontinue load out completion. ***If more than one trip is required that should not be a problem. Call our office if you have further questions 208-455-1419
PLEASE NOTE: If you purchase items that need to be hand loaded into HORSE TRAILER or ENCLOSED TRAILER - you will need to bring your own labor to hand load. Most of our auction items are managed with load out equipment. Some smaller items are easily managed into single vehicles without a lot of time consumed. -- We normally have a very high volume of customers at load out with more than normal staff available to ASSIST. WE WILL NOT be able to HAND LOAD: Lumber -- pipe -- materials -- etc. these are not easily managed with our load out equipment. Flatbeds and other similar trailers are recommended and best for loading. Plan to bring your own helpers if necessary. It is also the responsibility of the bidder to bring tie down supplies and do the securing etc. Thank You. - You can contact our office for referral of transport services.
At completion of picking up your items each customer will be asked to sign approved loadout. - Bidder takes full responsibility and approval of load.
NEW NOTICE: Official Load Out Days are posted for each auction. Bidder's responsibility to adhere to the days and times set for each individual auction. Items NOT picked up after 14 days from the auction closing PICKETT AUCTION SERVICE WILL CHARGE a lot storage fee of $25 dollars a day until you are able to pick up your item(s). Storage fees are due at the time you pick up. If you have trouble making the load out time, please call us to make arrangements. If items are not picked up during scheduled load out time or arrangements have not been made by the buyer, the items will be considered abandoned and will be removed by Pickett Auction Service at the buyer's expense. Please if you cannot adhere to this requirement please do not bid!!!! NO ITEMS WILL BE REMOVED UNTIL SETTLED FOR IN FULL.
Announcement: All descriptions are believed to be accurate. However, no liability for accuracy, measurements, errors, or omissions is assumed by the seller, closing agent nor Auctioneer. The buyer is responsible for verifying all information and condition of items. All items are sold as is, where is, and with no warranties or guarantees of any kind! BE SURE TO PREVIEW THE AUCTION or call with questions.
Fraudulent bidders / Unpaid invoices: By bidding on items, you are entering a legal and binding contract and authorize charges to the card on file if necessary. Pickett Auction Service LLC. reserves the right, and you acknowledge and agree to its exercise of this right, to notify third parties, including law enforcement authorities, credit bureaus, other auction companies and industry regulators and authorities, about bidders involved with or connected to fraudulent bidding or the failure to fully pay invoices in accordance with our terms and conditions.
For any unpaid invoice Pickett Auction Service WILL turn all uncollected amounts over to a collection agency for collection OR other solution deemed necessary by Pickett Auction Service. Note: By accepting the terms and conditions of this auction you are entering into a binding contract and if you are the highest bidder on any item, you will be required to pay for the items in accordance to the terms set forth in the terms and conditions of sale.
1) INTERNET ONLY AUCTION TERMS AND CONDITIONS: All items sold "as is where is" with any faults. ALL DESCRIPTIONS ARE BELEIVED TO BE CORRECT, THE AUCTIONEERS OR THE OWNER MAKE NO WARRANTIES OR GUARANTEES EXPRESSED OR IMPLIED, as to the authenticity of or defect in any lot and will not be held responsible for any advertising errors, discrepancies, or inaccuracies. All Buyers are to be responsible for all inspections of items at preview times or inspection. VEHICLE CONDITION & MOTORIZED CONDITIONS ALL ITEMS SOLD "AS IS " CONDITION. MOST ITEMS ARE PRE-OWNED AND THERE IS NO WARRANTY OR GUARANTEE FROM PICKETT AUCTION SERVICE. WE WILL TRY TO MAKE NOTE OF OBVIOUS CONDITION. THESE ITEMS DO NOT GO THRU A CHECK SYSTEM WHEN ENTERED INTO THE AUCTION. EVERY BIDDER IS ENCOURAGED TO PREVIEW AND YOU MAY BRING ALONG YOUR OWN MECHANIC. ALL SALES ARE FINAL SO PLEASE INVESTIGATE PRIOR TO BIDDING.
2) PAYMENT: COMPLETE PAYMENT FOR ALL ITEMS PURCHASED ARE DUE AS POSTED BY THE AUCTION COMPANY. An invoice of your items purchased will be emailed to you within 2 hours of the close of the entire auction. IF YOU DO NOT RECEIVE AN INVOICE, PLEASE CALL OUR OFFICE 208-455-1419 PAYMENT METHOD ACCEPTED: Cash, Visa, Master Card & Discover, wire transfer, or Check by phone to Pickett Auction Service. Please DO NOT MAIL your payment. There is an additional 4% fee for payment by credit/debit card to be added at time of payment. NSF CHECK FEE OF $35 WILL BE CHARGED AND BIDDING Privileges SUSPENDED. INVOICES UNSETTLED: If payment is not received by due date you authorize/permission invoice charges to the credit card on registration. LATE PAYMENT NOTICE: Late payments are subject to late fees starting at $25.00. Fees vary with invoice totals and days late.
3) 10% (Ten percent) Buyer's premium will be added to Purchases up to a maximum premium of $500 per item.
4) Applicable Idaho Sales Tax of 6% will apply to purchases. Dealers purchasing for resale must submit resale permit number with Pickett Auction Service. ST101 provided at our office.
5) VEHICLE TITLING CHANGES: Please Read All vehicles will now be required to file additional paperwork. Report of Sale & Application for Certificate of Title (Form 502) will be processed at our office at the time of delivery. For transactions over 10,000.00 (CASH GIVEN) a federal reported form (FORM 8300) will have to be filed. Please keep that in mind when presenting CASH. The buyer that will transfer the title needs to be present to file this application. The Driver's license is needed, and signatures and application details will be processed onward to the Idaho Department of Transportation. The DMV fees will apply at the time of application. Fees are subject to change per Idaho DMV State/ County regulations. If you have questions, please contact our office 208-455-1419
6) REMOVAL: All items must be removed within the allotted time frame set forth by the Pickett Auction Service for each auction. Time frames will be strictly adhered to; if you are unable to pick up your purchased items or make arrangements for your purchased to be picked up in the time frame set forth, please do not bid on the items. Shipping arrangements can be made by the Buyer at the Buyer's expense. Buyer assumes solely all expenses, risks, and liabilities for removal of purchased items. If purchased lots are not removed in the allotted time frame the Buyer shall be liable for any moving and storage costs incurred, and if not removed, the items will be deemed abandoned. Buyers assume all risk associated with the removal of items from auction site.
8) By registering as a buyer and being able to place bids on lots in this auction you agree that you have read and agree to ALL the terms and conditions set for this auction.
Wilder, Idaho 83676
United States
Tuesday: May 21st > 9am to 5pm
Wednesday: May 22nd > 9am to 5pm
Thursday: May 23rd > 9am to 5pm
Friday: May 24th> 9am to 5pm
*****PLEASE note all times and dates******
Our service is equipped with load out equipment and staff. We can assist in loading. Please bring proper transport equipment and all tie down supplies with you. Please Note: Flatbed trailers are recommended for best loading> Most of our auction items are managed with load out equipment and loading Cargo and Enclosed Trailers may make the loading process difficult.
Extended load out dates will go into Mon May 27th & Tues May 28th> 9am to 5pm
This DOES NOT extend the payment due date - May 24, 2024 by 4pm
We do not have shipping staff. Due to our Lot location and set up, we are unable to accommodate shipping.
Bigger Items needing Transport will be buyers' responsibility to contact, schedule and communicate load out days and times for items to be picked up. Your items will be loaded as Pictured. We do not commit to binding, wrapping, or securing your load for transport.
PLEASE CALL 208-455-1419 AND COMMUNICATE THE NEEDS SO THERE IS NO MISUNDERSTANDING Thank you
Bidder's Responsibility to read and understand our terms and conditions. The First 10 or more lots of our auction address the number one questions many customers have. These are posted at the beginning of every auction to inform your bidding.
If you have more questions, we are happy to take your call 208-455-1419
Office Will Be Closed For Memorial Day, Monday May 27th
Accepting again May 28th for our July 22nd Auction
Don't miss out!
*Register Early - Preview your Watchlist*
This will be a great Spring Auction


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News Release 17-035
Inv. No(s). 731-TA-638 (Fourth Review)
Contact: Peg O'Laughlin, 202-205-1819
The U.S. International Trade Commission (USITC or Commission) has voted to expedite its five-year ("sunset") review concerning the antidumping duty order on Stainless Steel Wire Rod from India.
As a result of the vote, the Commission will conduct an expedited review to determine whether revocation of the order would be likely to lead to continuation or recurrence of material injury within a reasonably foreseeable time.
The Uruguay Round Agreements Act requires the Department of Commerce to revoke an antidumping or countervailing duty order, or terminate a suspension agreement, after five years unless the Department of Commerce and the USITC determine that revoking the order or terminating the suspension agreement would be likely to lead to continuation or recurrence of dumping or subsidies (Commerce) and of material injury (USITC) within a reasonably foreseeable time.
The Commission's notice of institution in five-year reviews requests that interested parties file with the Commission responses that discuss the likely effects of revoking the order under review and provide other pertinent information. Generally within 95 days from institution, the Commission will determine whether the responses it has received reflect an adequate or inadequate level of interest in a full review. If responses to the USITC's notice of institution are adequate, or if other circumstances warrant a full review, the Commission conducts a full review, which includes a public hearing and issuance of questionnaires.
The Commission generally does not hold a hearing or conduct further investigative activities in expedited reviews. Commissioners base their injury determinations in expedited reviews on the facts available, including the Commission's prior injury and review determinations, responses received to its notice of institution, data collected by staff in connection with the reviews, and information provided by the Department of Commerce.
Chairman Rhonda K. Schmidtlein, Vice Chairman David S. Johanson, and Commissioners Irving A. Williamson, Meredith M. Broadbent, and F. Scott Keiff concluded that the domestic group response for this review was adequate and the respondent group response was inadequate and voted for an expedited review.
A record of the Commission's vote on this matter is available from the Office of the Secretary, U.S. International Trade Commission, 500 E Street SW, Washington, DC 20436. Requests may be made by telephone by calling 202-205-1802.
The record of the Commission's vote is also posted on the USITC's Internet site at http://pubapps2.usitc.gov/sunset/caseProf/list?sort=caseTitle&order=asc. From this page, search "stainless steel wire rod" using the search box in the upper right corner.
The Federal Register notice will indicate whether any further information or statements will be available. Only parties that filed adequate responses and filed timely notices of appearance are eligible to participate further in this review. The Commission will issue a report after it completes its review.


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ADT Security - Multifamily
If you are an employee of a AATC member company, we invite you to set up an online account to:
The members of AATC invite and encourage you to join! By working together, we can achieve our mission to maintain and enhance our industry as a whole.
All membership applications for AATC must be approved by the Board of Directors.


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HanDBase offers the largest list of FREE databases in the world! More than 2,000 HanDBase applets are currently available in DDH Software's gallery, including solutions for a variety of industries, professions and personal uses. Examples include diet managers, travel expense logs and report generators, personal finance managers, and dictionaries for medical terms and pharmaceuticals. These databases will work with versions of HanDBase for iPhone/iPod touch, iPad, Android, Palm OS, Windows Mobile Classic/Professional (Pocket PC), Windows Mobile Standard (Smartphone), Symbian S60, Symbian UIQ, and RIM BlackBerry mobile Devices and Smartphones. Please Note: Some of the Database Applets include Custom Forms. These forms modify the screen you see for View, Editing and Adding records. At this time the iPhone, iPad, Android, Palm OS, Windows Mobile Classic/Professional (Pocket PC) and Windows Mobile Standard (Smartphone) versions of HanDBase support Forms. Users of other platforms won't need to install the separate form files. These files are distinguised by having _HDF in the file name.
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1st appearance of Arthur Stacy
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Townsquare Media, Inc. and its subsidiaries and affiliates (individually or collectively, "TSM" or "we/our/us") respect your privacy and are committed to protecting it through our compliance with this policy.
This policy describes the type of information we may collect from you and or that you may provide us when you interact with our websites, mobile applications, email, and online services, participate in our loyalty program, or register for one of our events (our "Services"). "You/your/user(s)" means you as a user of our Services. We offer the Services, including all information, tools and features available from the Services, to you conditioned upon your acceptance of all the terms, conditions, policies and notices stated here, which you accept by continuing to utilize the Services.
1. Scope
1.1 We value our users and respect your privacy. This Privacy Policy describes the information we collect about you online, why we collect it, how we use it, and when we share it with third parties. This Privacy Policy also describes the choices you can make about how we collect and use certain of that information.
1.2 By accessing the Services, you acknowledge this Privacy Policy and agree to be bound by the terms hereof and the Terms of Service set forth on each of the Services that you visit or utilize. If you have any questions about the content of this Policy, please email firstname.lastname@example.com
1.3 This Policy applies to our Services as described above as well as the information we collect when you interact with us through social media or other websites and online services. It does not apply to non-TSM Websites and mobile applications that may link to the Services or be linked to or from the Services; please review the privacy policies on those Services and applications directly to understand their privacy practices.
1.4 We reserve the right to change or update this Privacy Policy by posting such changes or updates to the Services. Amendments to this Privacy Policy will be posted at this URL and will be effective when posted. You can tell if the policy has changed by checking the last modified date that appears at the end of this Privacy Policy. Your continued use of the Services following the posting of any amendment, modification or change shall constitute your acceptance thereof.
2. Information Collected
2.1 We collect information that you provide directly to us. You may provide different types of information to us when you engage in certain activities through the Services, such as creating an account, ordering a product or service, submitting, posting or accessing various content or features, subscribing to mobile push notifications, responding to and submitting a form, participating in our blogs or forums, entering a sweepstakes, contest, promotion or other special initiative, signing up for a special offer, completing a survey, sending feedback, requesting or submitting information, applying for a job, or directly contacting us. The information we request includes, but is not limited to, your name, email address, mailing address, telephone number, age, and demographic information. It is optional for you to engage in such activity; however, if you choose to do so, we may not be able to permit you to participate in the activity unless certain pieces of information are provided.
2.2 When you interact with the Services, certain information about your use of the Services is automatically collected, regardless of whether you create an account on the Services. This information includes, but is not limited to, your browser type; mobile phone, tablet or other device type; computer or mobile operating system; the domain of the website that referred you to us; name of your Internet service provider; web pages you visit on the Services; IP address; geo-location information; and standard server log information. We also collect information about your interactions with our email messages, such as whether the messages were opened and the links clicked in those emails. Much of this information is collected through cookies, web beacons and other tracking technologies. Most web browsers automatically accept cookies but, if you prefer, you can usually modify your browser setting to disable or reject cookies. If you delete your cookies or if you set your browser to decline cookies, some features of the Services may not be available, work, or work as designed.
2.3 The cookies described in Section 2.2 may be first or third party. We may also allow our affiliates, service providers, data management providers and advertisers to serve cookies or employ other tracking technologies from the Services. These cookies allow us, in conjunction with our partners, to analyze how the Services are accessed, used, or performing, and allow us to serve you with content, including advertising, tailored to your preferences or interests, as well as measure the effectiveness of that advertising.
2.4 Among the third party cookies used for purposes of optimizing the Services is Google Analytics, a web analytics service provided by Google, Inc. Google Analytics uses cookies or other tracking technologies to help us analyze how users interact with and use the Services, compile reports on the Services' activity, and provide other services related to our Services' activity and usage. The technologies used by Google may collect information such as your IP address, time of visit, whether you are a return visitor, and any referring website. The Services do not use Google Analytics to gather information that personally identifies you. The information generated by Google Analytics will be transmitted to and stored by Google and will be subject to Google's privacy policies. To learn more about Google's partner services and to learn how to opt out of tracking of analytics by Google, click here.
2.5 We currently use a third party for payment processing. We do not receive or store your credit card or bank account information, and we do not want you to send us your credit card or bank account information. Please review the terms of use and privacy policies of the third party payment processor prior to providing your information to them.
2.6 When you interact with us or the Services through a social media platform (such as by clicking on a social media icon linked from our Services), we may collect the personal information that you make available to us on that page, including your account ID or username and other information included in your posts. If you choose to log in to your account with or through a social networking service, we and that service may share certain information about you and your activities.
3. Use of Your Information
3.1 We use and share the information we collect for various purposes, including to:
• Communicate with you, including to fulfill your requests, provide information about additional products, services, and promotions that might be of interest to you, and provide notices of a transactional, administrative or relationship nature or as required by law;
• Provide, maintain, personalize, optimize, and improve our products and services including research and analytics regarding use of the Services, or to remember you when you leave and return to the Services;
• Provide you with content that may be of interest with you, including advertising;
• Enable you to participate in features such as surveys, reviews, blogs or forums, or to enter sweepstakes, contests, promotions and other special initiatives and to communicate with you about them
• Provide you with more relevant content in email bulletins to which you may be subscribed;
• Monitor and protect the Services, including research and analytics regarding how the Services are accessed, used, or performing;
• Detect, investigate, and prevent activities that may violate our policies or be fraudulent or illegal.
3.2 We may combine information from the Services together and with other information we obtain from our business records or from third party sources. We also may use or combine information that we collect from the Services with information provided by third parties, including demographic information and other attributes, and organizational affiliations.
4. Sharing Information With Third Parties
4.1 We may share the information collected via our Services with third parties who work on our behalf to help us further the purposes described above. We may provide additional information that we have collected about you both directly and automatically to these third parties.
4.2 We share information about you with third parties who partner with us to provide advertisements about products and services that may be of interest to you. This may include third parties who assist us in identifying which ads to deliver and third parties who deliver the advertisements. As described above, our third party partners may use persistent identifiers to track your Internet usage across other websites, online services, email and mobile applications in their networks beyond the Services, and may combine information about you from other sources. We may provide additional information that we have collected about you both directly and automatically to our partners.
Our partners may use the information collected to serve you with targeted advertising, both through our Services and other websites, email, online services or mobile applications. We may also contribute to or participate in cooperative databases, which give other companies access to your information. For more information regarding the partners with whom we share data, please see our Partners List.
We adhere to the principles of the Digital Advertising Alliance's Self-Regulatory Principles for Online Behavioral Advertising and Multi-Site Data and the Network Advertising Initiative's Code of Conduct, as applicable. See the Opt-Out section (below) to learn about choices available to you with respect to this type of advertising.
4.3 We may aggregate your information into a form where individuals can no longer be identified. Given the aggregated, de-identified information, there are no restrictions under this Privacy Policy on how we may use or disclose such information. For example, we may freely share such information with third parties who may use such data for their own marketing, advertising, research, or other business purposes.
4.4 If you choose to enter a sweepstakes, contest or other promotion, your information may be disclosed to third parties who help design, administer and implement the promotion, including in connection with winner selection, prize fulfillment and aggregated data analysis. Your information also may be disclosed as required by law, such as on a winners list.
4.5 We may provide products or services jointly with or through certain third-party businesses, including but not limited to retail businesses. When we provide these products or services, we may give you the opportunity to opt-in to the additional sharing of information with these businesses. Should you choose to do so, information you provide specifically in connection with those products and services may be shared with these businesses and subject to their privacy policies.
4.6 The Services may allow users to post comments and other content to the Services. Any information about yourself that you post to the Services will become public information and will be accessible by other users of the Services. In addition, your user name will be viewable by other users, along with a profile picture if you have chosen to upload one. We have no responsibility to maintain the privacy or security of any such information that you may choose to post to the Services.
4.7 When you use the Services, you may be given the option to subscribe to or to be added to our email list. Your selection will not affect other uses or sharing of your information as described in this this Privacy Policy. Subscriptions to the email list can be cancelled at any time by following the instructions below.
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8.1 Under California Civil Code sections 1798.83-1798.84, California residents are entitled to request information from us regarding what categories of personal information we share with third parties who may use the data for direct marketing purposes and all third parties with whom we have shared that data in the past year. If you are a California resident and would like to submit a request, please write to the following address: Townsquare Media, Inc., ATTN: Privacy, 240 Greenwich Ave., Greenwich, CT 06830. You must put the statement "Your California Privacy Rights" in the body of the request and state the name of our website with respect to which you are requesting the information as well as your name, street address, city, state, and zip code.
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Customers who purchased this item also purchased:
What our customers are saying:
"I have been a customer since 1988 when I started SCCA racing. Your catalog is the bible. I can't tell you how much I learned just from reading it. Please keep up the great work and know that many of us highly value your company, and dedication to us little guys."
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This deck of spell cards are an invaluable resource for any magic-user. Consult the entire deck when selecting new spells to learn, and after a long rest you can set aside those spells you want to prepare for the day. Each deck is made from thick laminated card so they will stand the test of time. Spell name and important info is easy to find for quick reference. Descriptive/Mechanical text is written in full wherever possible. When it isn't, a Player's Handbook page reference is given. Scaling spells have an additional section with details on how they improve. Card backs prominently display spell level for easy sorting. The Spell cards are highly durable and are made to last. Each card has a coating that protects them and makes them safe to use with dry erase markers.
Tuotteen lisäyspäivä: 09.12.2014.


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Disney Once Upon a Time Confetti Balloons product details:
Officially licensed Disney product.
Float time:
Tips for inflating confetti balloons:
WARNING: CHOKING HAZARD - Children under 8 years can choke or suffocate on uninflated or broken balloons. Adult supervision required. Keep uninflated balloons from children. Discard broken balloons at once.
CAUTION: This product contains natural latex rubber, which may cause allergic reactions.
Balloon Safety & Care: (1) The average vehicle holds about 24 inflated balloons and they're best stored in the back seat. (2) Balloons look their best at room temperature – keep them warm on cool days and cool on warm days. (3) Inhalation of helium can be harmful. Never breathe in helium. (4) Uninflated or broken balloons can create a choking hazard. Keep an eye on your little ones. (5) After your party properly dispose of uninflated balloons. (6) Do not release balloons into the air. Help keep balloons out of our waterways and powerlines.


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We only collect Personal Data from you, such as first and last name, phone number, e-mail, when you register to receive information. We collect data about your activities that does not personally or directly identify you when you visit our website, or the websites and online services where we display advertisements. This information may include the content you view, the date and time that you view this content, the products you purchase, or your location information associated with your IP address. We use the information we collect to serve you more relevant advertisements (referred to as "Retargeting"). We collect information about where you saw the ads we serve you and what ads you clicked on.
As you browse theconnaughtatgriesbach.ca, online ad networks we work with may place anonymous cookies on your computer, and use similar technologies, in order to understand your interests based on your (anonymous) online activities, and thus to tailor more relevant ads to you. If you do not wish to receive such tailored advertising, you can visit this page to opt out of most companies that engage in such advertising. (This will not prevent you from seeing ads; the ads simply will not be delivered through these targeting methods.)
We do not target ads to you based on sensitive personal data, such as information related to race or ethnic origin, political opinions, religious beliefs or other beliefs of a similar nature, trade union membership, physical or mental health or condition or sexual life. We may target ads based on data provided by Advertisers or partners alone or in combination with the data we collect ourselves. Any data used to serve targeted advertisements is de-identified and is not used to personally or directly identify you.
In order to allow us to reach the best inventory online, we work with third party advertising companies (our "Advertising Partners") to help us recognize you and serve relevant advertisements to you when you visit a website or online service in their network. We also work with Advertising Partners who help us recognize you across different devices in order to show you relevant advertisements. Our Advertising Partners may collect information about your activities on our website, and other websites or online services in their networks. We also work with third party companies to assist us with website analytics such as evaluating the use and operation of our website so that we can continue to enhance the website and our services.
We and our third party partners use session cookies and persistent cookies to make it easier for you to navigate and enhance the experience of our site, and to monitor and evaluate our website's operation and use.
To modify or delete your personal information, or to opt out of future communications, please contact us.


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Being an expert in Russian and Slavic traditional clothing, we have a great choice of ethnic fabric by the yard. If you want to make your own ethnic clothing or home textile in Slavic style, you are in the right place. Russian patterns and floral fabrics are popular among many designers all over the world.
All fabrics are cut fresh from the bolt. The price listed is for one meter which is a fat yard (1 meter = 1.1.= yard). If you decide to order more than 1 meter it will be sent as a continuous length. The quality of every fabric is high, as we test it before offering here.
• Custom cut to your specifications.
• Available in 1-meter increments. If you order two or more meters, you will get a single roll.
• Width: 0.5 meter. 1 meter = 3.2 feet = 1.1 yard
RusClothing.com is designed to be the best place to find most authentic collection of Russian clothing. Russian dresses, Ukrainian shirts, kokoshnik, kosovorotka, valenki and much much more! And not to forget famous Russian wool shawls. We want Russian clothing to be the combination of traditional folk art and today Russian fashion.
All our Russian clothing is handmade and can be customized to any needs. Made in Russia, shipped worldwide.
© 2005-2024 RusClothing.com All rights reserved.


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Baltimore LX Limo is happy to present variety of services to our clients. We offer wedding and prom packages that will make your event unforgettable. Baltimore LX Limo also offers airport and corporate service as well as city tours. Select one of the following categories to get more information.
When it comes to your wedding, nothing will ever surpass the memory of tying the knot. Your wedding is one of the most unique events in your life and deserves a special attention. Make sure you get to the ceremony on time and in the style and elegance your special day deserves. LX Limo well-prepared bridal service ensures that you and your party will arrive at your destination refreshed and ready to celebrate your union.
Now that you've graduated, its time to celebrate and LX Limo can get you and your prom party to the post grad festivities with a statement sure to be remembered for an eternity. Let LX Limo personnel turn your most important day of your high school year into the most memorable one. We offer you the best limousines and luxury vechicles for your celebration.
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We know how important it is to provide business travelers with a reliable chauffeur driven service. Each of our chauffeurs is professional, knowledgeable, discreet, and very familiar with the particular needs of a business traveler. LX Limo will get your people to and from their meetings in the most efficient, timely and comfortable way possible.
Frequent travelers know that every airport is unique. Fortunately, Limousine fixed-rate Airport Service offers consistent quality you can depend on. Our chauffeurs are trained to maintain intimate familiarity with the layout, logistical details and surrounding traffic patterns of the airport they serve. Additionally, the chauffeur stays in constant cell phone contact - eliminating every potential problem associated with getting you to or from your flight. Finally, with our meet and greet service, our chauffeur meets you and escorts you to your car. Our uniquely personal service is welcome addition to your trip after a long flight.


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- Cold Gentle Hand Wash
- Models is wearing size small
- Sheer / not lined
- Fabric offers stretch
- True to size
- 100% Cotton
- Nude Slip Included
- 14 Day Guarantee
- After 14 days, unfortunately we can't offer you a refund.
- Any item that is returned more than 14 days after delivery will be sent back to customer.
- Returns must be unused and in the same condition that you received it. It must also be in the original packaging with all tags attached.
- Please do not send your purchase back to the manufacturer.
- All sale items, gift cards and jewelry are FINAL SALE.
- Once your return is received and inspected, we will send you an email to notify you that we have received your returned item within 5-7 days.
- We will then also notify you of the approval or rejection of your refund.
- Once approved, then your refund will be processed, and a credit will automatically be applied to your original method of payment, within a certain amount of days according to your bank.
- If you haven't received a refund yet, please recheck your bank account or please contact us at email@example.com.
- Sale items CANNOT be refunded.
- We only replace items if they are defective or damaged.
- If you need to exchange it for the same item, send us an email at firstname.lastname@example.com
- To return your product simply log into your account and follow instructions.
- Shipping costs are non-refundable. If you receive a refund, the cost of return shipping will be deducted from your refund.
- Depending on where you live, the time it may take for your exchanged product to reach you, may vary.
- If you are shipping an item over $200, you should consider using a trackable shipping service or purchasing shipping insurance. We don't guarantee that we will receive your returned item.
- If you are unhappy with your item, we can offer you online store credit only within 30 days.
- Online Store Credit cannot be transferred to another person or account.
- To receive Online Store Credit, you must select "Store Credit" as a refund method during the return process on our return portal.


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Gli Me SR1 Tablet
Gli Me SR1 Tablet comes under the category of "Tablet" and lets see the uses, how it works, side effects and more of this medicine.
Uses Of Gli Me SR1 Tablet
How it works
- Metformin is an oral antidiabetic agent lowers sugar and helps insulin work better, thereby helps control blood sugar levels
- Glimepiride is used to lower blood sugar in patients and raises insulin levels. It helps tissues respond better to the insulin
When to Use
- Type 2 diabetes
- High blood sugar (diabetes)
Side Effects
- Low blood sugar signs include, anger, shaking, a fast heartbeat, confusion, or sweating
- Upset stomach or throwing up
- Belly pain
- Not hungry
- Loose stools (diarrhea)
- Bad taste in your mouth
- Weight gain
- Too much acid in the blood (lactic acidosis) may rarely happen
- Glimepiride - 1 MG
- Metformin - 500 MG
Safety Precautions
No, do not take Gli Me SR1 Tablet along with alcohol. If you have alcohol while taking this medication, you may face lot of serious problems.
No, do not take Gli Me SR1 Tablet if you are pregnant. You should consult with your doctor before coming to some conclusion. It is always good to seek doctors advice before having a medication.
It is not preferable(Not Safe) to take this drug (Gli Me SR1 Tablet) when Breast Feeding. You should always consult your doctor before taking any medication while breast feeding.
It is not-safe to take this Gli Me SR1 Tablet drug if you are intent to drive a vehicle.
It is found to be not-safe using this Gli Me SR1 Tablet for patients with liver problems.
It is recommended to take a look at our disclaimer page before checking about medicine uses and effects.


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Safe Key Store - Emergency Locks Locksmith 46280- 317-810-0268
Modern-day locks and keys are different from the single components of yore. Just as the crime rates are on the rise so is the demand for highly advanced security mechanisms. This is true for both residential and commercial scenarios. High security keys have intricate modeling. Similarly, the digital locks today require expert programming. As such, the local locksmith uses advanced skills, tools and technologies to serve their clients. Sad to say, not everyone is at par.
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Wright Brothers in North Carolina
by Stephen Kirk
Reprinted with permission from the Tar Heel Junior Historian. Fall 2003.
Tar Heel Junior Historian Association, NC Museum of History
See also: Wright, Wilbur; Wright, Orville; Airplane, First Flight of; Wright Brothers National Memorial.
Wilbur Wright was born in Indiana in 1867. Orville Wright was born in Dayton, Ohio, four years later. During their boyhood in Dayton, they published and printed a small newspaper. As adults, they opened a shop where they designed, built, and repaired bicycles.
The Wright brothers enjoyed making kites and playing with a helicopter toy their father gave them when they were boys. Later, they followed the news of glider experiments in America and Europe. In 1899 Wilbur began to gather information about flight. He also wrote the United States Weather Bureau to learn about wind speeds in different places around the country. Flying a glider into a strong, steady breeze helps keep it in the air.
The Weather Bureau told Wilbur about Kitty Hawk on the Outer Banks. Wilbur then wrote the Kitty Hawk weather station to ask about the area. He received a warm reply from the local postmaster, Bill Tate. Kitty Hawk had more to offer than just strong winds, Tate told Wilbur. It also had soft sand for landing a glider and friendly people who would be willing to help. And it was an isolated place where Wilbur could get the privacy he wanted.
Wilbur arrived in Kitty Hawk to begin his glider experiments in September 1900. Orville joined him a couple of weeks later. They stayed briefly with Bill Tate's family and then lived in a tent set up on the sand. When they returned in the fall of 1901, they constructed a small wooden building to house their glider. They came for a third time in the fall of 1902. The Wright brothers stayed in North Carolina only a few months at a time. They returned to Dayton each year to run their bicycle shop and to design a new glider for the next season. They built the glider parts in Dayton, shipped them to Kitty Hawk, and assembled the craft there.
Three things were necessary for powered flight. The Wright brothers had to design wings that could keep an airplane in flight. They also needed a control system to steer left and right, move up and down, and bank one wing higher than the other. Finally, they needed a light but powerful engine and propellers to push the craft.
By the end of the 1902 season, the Wrights were making glides over six hundred feet long. Their wings kept them in the air, and their control system allowed them to steer and land safely. Back in Dayton that winter, they built an engine and two propellers, the final elements they needed.
The Wright brothers had a good deal of trouble during the 1903 season in Kitty Hawk. They arrived in early September but weren't ready to try their powered craft for more than three months. That was mainly because they kept breaking engine parts. They had to ship the parts to their bicycle shop in Dayton for repairs and wait until they were returned.
On December 14, they were finally ready to try their powered airplane. Several of their friends from the local lifesaving station came to witness the event. So did two boys and a dog. The Wright brothers flipped a coin to decide who would make the first flight. Wilbur won. But when he tried to take off, he steered the craft upward too quickly, and it crashed.
The Wright brothers were tempted to head back to Dayton for Christmas, but they decided to make one more try. On December 17, some of their lifesaver friends came again to help move the heavy craft and to serve as witnesses. It was now Orville's turn. Just after 10:30 that cold morning, he made the first powered airplane flight in history. It lasted twelve seconds and covered 120 feet. An hour after that, Wilbur made a short flight. Then Orville flew 200 feet. Finally, at noon, Wilbur made a flight that covered 852 feet and lasted nearly a minute. After that, the craft was flipped over by the wind and was damaged beyond repair. But the Wright brothers had achieved their goal.
Over the next several years, the Wright brothers improved their designs and made longer flights in Dayton, in Europe, and in other places. They returned to Kitty Hawk in 1908, when they made the first two-person flights in history.
The Wright brothers became the first international celebrities of the twentieth century. Kings and millionaires wanted to meet them. Songs, poems, and plays were written about them. Some people even began to dress like them. But they always remained humble, private men who cared little about money.
Wilbur died in 1912, at age forty-five. Orville remained a spokesman for flight until his death in 1948. He returned to Kitty Hawk several times in his later years and kept up his friendship with Bill Tate.
The airplane would have been invented without the Wright brothers, but it might have taken ten or twenty more years. This would have had important effects on World Wars I and II, when airplanes were used in combat.
The years since 1903 have seen great advances in flight. Airplanes crossed the oceans and flew faster than the speed of sound during Orville Wright's lifetime. And it was only twenty-one years after his death when Neil Armstrong walked on the moon. To honor the Wright brothers, he carried a piece of their 1903 plane with him.
Many people have contributed to the story of flight, but the Wright brothers wrote the first chapter.
At the time of this article's publication, Stephen Kirk worked as an editor at John F. Blair Publisher in Winston-Salem. The company printed his book, First in Flight: The Wright Brothers in North Carolina, in 1995.
Educator Resources:
Curriculum: Who were the Tuskegee Airmen? Wright Brothers National Memorial, National Park Service. https://www.nps.gov/tuai/learn/education/classrooms/lesson-one-who-were-the-tuskegee-airmen.htm
Flights of the Wright Brothers Lesson Plan, State Archives of North Carolina
Middle School: Curriculum Materials. Wright Brothers National Memorial, National Park Service. https://www.nps.gov/wrbr/learn/education/classrooms/curriculummaterials.htm
Middle School: Wright Memorial Memes. Wright Brothers National Memorial, National Park Service. https://www.nps.gov/teachers/classrooms/wright-memorial-memes.htm
Middle School: Pythagoras' Kite. Wright Brothers National Memorial, National Park Service. https://www.nps.gov/teachers/classrooms/pythagoras-kite.htm
Middle School: Transformation & First Flight. Wright Brothers National Memorial, National Park Service. https://www.nps.gov/teachers/classrooms/transformations-first-flight.htm
Middle School: Location, Location, Location. Wright Brothers National Memorial, National Park Service. https://www.nps.gov/teachers/classrooms/location-location-location.htm
Middle School: Wind Speed Scatter Plot. Wright Brothers National Memorial, National Park Service. https://www.nps.gov/teachers/classrooms/wind-speed-scatter-plot.htm
Middle School: Shaping the Future. Wright Brothers National Memorial, National Park Service. https://www.nps.gov/teachers/classrooms/shaping-the-future.htm
Middle School: Wright or Wrong. Wright Brothers National Memorial, National Park Service. https://www.nps.gov/teachers/classrooms/wright-or-wrong.htm
Fourth Grade: The First Four Fights-Math Up! Wright Brothers National Memorial, National Park Service. https://www.nps.gov/wrbr/learn/education/classrooms/the-first-four-flights-math-up.htm
Upper Elementary: Wright Times Talk Show. Wright Brothers National Memorial, National Park Service. https://www.nps.gov/teachers/classrooms/wright-times-talk-show.htm
Upper Elementary: Wright Flight. Wright Brothers National Memorial, National Park Service. https://www.nps.gov/teachers/classrooms/wright-flight.htm
Upper Elementary: The Wright Brothers' Flight First Fake News. Wright Brothers National Memorial, National Park Service. https://www.nps.gov/teachers/classrooms/the-wright-brothers-first-flight-fake-news.htm
Upper Elementary: The Wright Brothers' Scavenger Hunt. Wright Brothers National Memorial, National Park Service. https://www.nps.gov/teachers/classrooms/wright-brothers-scavenger-hunt.htm
Slideshow from the North Carolina State Archives Flickr feed, "1st in Flight Wright Brothers" set. Online at https://www.flickr.com/photos/north-carolina-state-archives/sets/72157607325456242/
References and additional resources:
Kirk, Stephen. 1995. First in flight: the Wright brothers in North Carolina. Winston-Salem, N.C.: J.F. Blair.
Learn NC resources on the Wright Brothers.
"Wright Brothers," Our State, December 2000. https://digital.ncdcr.gov/Documents/Detail/our-state/916075?item=916418
1 January 2003 | Kirk, Stephen


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Employment history is a very important aspect of a mortgage application. Mortgage loans are usually for substantial sums of money and lenders want to reduce the risk that borrowers will default. One sign that a borrower will be consistent in making their mortgage payments is if they have a stable two-year history of employment. But what if you have gaps in your work history? Can you still qualify for a mortgage?
Gap Period
Most lenders will only require a two-year work history, so if you had gaps prior to that period, you may not even need to inform your lender about it. If you have had gaps in the past two years, lenders are most concerned by unemployment periods of six months or more. If you were out of a work for just a month or two, there may not be an issue with your mortgage approval.
Acceptable Gap Reasons
Of course, most gaps in employment are for specific, valid reasons and lenders will take these into account. Maternity leave is an obvious reason for many people to take up to six months off of work; people also frequently take time off to finish or go back to school. Company layoffs and temporary disability are other common reasons for employment gaps. Every mortgage application is reviewed individually, and lenders are understanding of common and logical gaps.
There are some employment factors that are big red flags to lenders though. These include frequent job changes (more than three times in a 12-month period), an employment history of only two years or less and recent large increases or decreases in income. If you have any of these issues, you may have a harder time being approved.
Explain Your Gaps
You can improve the odds of your mortgage application being approved by adding explanations and documentation about your employment gaps of six months or more. For instance, if you went on maternity leave you can provide documents from work detailing your time off. If you went back to school, you can provide your transcripts from each semester. If you had to take time to care for a sick or elderly family member, you can write a letter about the circumstances and explain how you will manage that situation in the future while working.
If you can show proof that you have made consistent rent or mortgage payments during your employment gaps, that can also be helpful. Or if you lost a job without cause, providing documentation of that will make your application more attractive. If you have significant gaps in your employment in the past two years, you could give them several years' worth of employment history to show a more complete picture.
Overall, your lender is looking for stability in your work history. They want to see that you can be counted on to bring in a consistent income to cover your mortgage payments. If you can prove this, then even some gaps in your employment can be overcome.


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Medicare Supplement Plans
in Cato, New York
Cato, New York residents nearing the age of 65 are often concerned about whether or not they have the adequate health insurance coverage they need as they begin to get older. In the US, as soon as you turn 65, Medicare will become your primary form of insurance coverage. This holds true regardless of whether or not you qualify for retiree health insurance through a current or former employer.
While Medicare covers a variety of healthcare needs, you may find that it does not always cover everything. If you find yourself with gaps in insurance coverage, it may be time to consider looking into a Medicare supplement plan (sometimes called a Medigap plan). Medicare-supplement-plans.net makes it easy to find a Medicare supplement plan that not only suits your unique healthcare needs but will fit your budget as well.
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When you call you'll be connected with a licensed Insurance Agent.
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We specialize in Medicare Supplement Insurance. We'll help you navigate all your options and select the plan for you.
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Researching plans on the internet can be difficult. We will connect you to the agents that provide support over the phone so you don't have to search online.
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If you are 65 or older, have certain disabilities while under 65, or have End-Stage Renal Disease, Medicare can help you to cover much of the costs involved with hospital and medical care. However, not everything is covered with a Medicare plan that includes Part A (hospital cover) and Part B (medical cover), also known as Original Medicare. If you want better coverage for more of your medical needs, then Medicare Supplement Plans, or Medigap plans, can be your ideal solution.
Navigating through the many possible Cato, New York Medigap plans can feel intimidating, but we are here to help you cut through all the various policies to assist you in making an informed decision. With the right Medicare Supplement Plan, your healthcare can become more affordable because your current and future medical needs are better covered.
If you would like more assistance, call today. A local Cato, New York insurance agent specializing in Medicare supplement insurance can help match you with the perfect plan that will provide coverage for your medical needs that Original Medicare doesn't cover.
So, what exactly is Medicare Supplement Insurance? It is a type of insurance plan that is sold by private insurance providers in Cato, New York and can only be bought if you have an Original Medicare plan. Original Medicare includes Part A and Part B. Part A of the Medicare plan covers areas such as skilled nursing care, home health care, inpatient hospital care, and hospice care - essentially, it covers emergency and inpatient care. Part B of the Medicare plan covers care received by doctors and healthcare providers, preventative services, durable medical equipment such as wheelchairs, home health care, and outpatient services.
A Medigap plan's purpose is to help fill the gaps in coverage that Original Medicare lacks. The coverage gaps left by Original Medicare include the costs of copayments, deductibles, and coinsurance.
Essentially, if you receive care, your Medicare policy will pay for the costs of care that are covered by your plan. Your Medicare Supplement Insurance plan will then pay its share of the costs involved with your healthcare. You will then be left to pay whatever is left over.
All Medigap policies follow [state] state and federal laws that are designed to protect the interests of the patient. Medicare Supplement Plans are standardized and therefore offer the same basic benefits depending on the type of Medigap policy it is (10 different lettered plans). The only real difference from one plan to another in the same letter category is the cost; even though two same-letter plans offered by different insurance companies have the same benefits, the premiums you pay may be different.
Due to the fact that costs are the only real difference between same-letter Medigap plans, it's important that you carefully compare prices from different insurance providers. This can save you a great deal of money over the course of several years. If you are unsure which plan is right for you, call today. A local Cato , New York medigap specialist can help you understand your options and find the perfect plan.
Choosing the right Cato, New York Medigap plan to help you pay for the healthcare that falls outside your Original Medicare plan is about choosing one that will suit your current and future needs. While laws help to protect you by creating a standardized list of benefits that each Medigap plan must have based on its letter, some providers may offer additional benefits that can affect your decision.
It's important that you consider what your health might be like in several years' time; just because you don't need particular coverage at the moment, doesn't mean that you won't need it in the future. This is important because once you choose your plan, you may not be able to change it without having to pay higher premiums.
Medicare Supplement Plans are differentiated by letters. A Medigap policy will only cover your coinsurance payments once you've paid the deductible - which is the amount you need to pay for care before your Cato, New York Medicare plan starts to pay - unless otherwise stated.
As of January 1, 2020, Plan C and Plan F are no longer sold to people who have become eligible for Medicare after January 1, 2020. However, if you already have either plan, then you may keep it. For the purposes of the letter category breakdown, we will include Plan C and Plan F for those seeking to compare and possibly change their current Medicare Supplement Insurance plan.
Every lettered plan covers Part A hospital costs and coinsurance for 365 days after your Medicare benefits have been depleted. The differences and what Original Medicare benefits the lettered plans can help cover for residents of Cato, New York are as follows.
Medicare supplement plans are organized by the letters A, B, C, D, F, G, K, L, M, and N. Below is a breakdown of each plan and what it does and does not cover.
With Part A, you'll have 100% cover for Part B coinsurance or copayment costs, the first 3 pints of blood, and copayment or coinsurance for Part A hospice care. You will have no cover for your part A deductible, part B deductible, coinsurance for skilled nursing facility care, excess charges on Part B (an excess charge is when the amount that a healthcare provider charges is higher than the amount that Medicare approves), and foreign travel emergency healthcare.
Under Plan B, your copayment and coinsurance in Medicare Part B, first 3 pints of blood, copayment and coinsurance in Part A for hospice care, and part A deductible are covered in full. Plan B does not cover foreign travel emergency care, your part B deductible, excess charges in Part B, or coinsurance for skilled nursing care in a facility.
Plan C is no longer available as of January 1, 2020. However, people who purchased this plan prior to 2020 are allowed to keep it. This plan covers your part A copayment and coinsurance for hospice care, part A deductible, part B copayment and coinsurance, part B deductible, first 3 pints of blood, and coinsurance for skilled nursing care facilities in full. Plan C also covers 80% of foreign travel emergency care. Only Part B deductibles are not covered in plan C.
Plan D covers medicare Part B coinsurance or copayments, the first 3 pints of blood, copayment or coinsurance for Part A hospice care, part A deductible, and care received from a skilled nursing facility in full. As with Plan C, 80% of your foreign travel emergency costs will be covered. Plan D does not cover part B deductible or part B excess charges.
Plan F no longer available as of January 1, 2020. But people who purchased it before 2020 are allowed to keep it. Plan F covers all of the above-mentioned Medicare benefits in full except for foreign travel emergency costs, which has 80% cover. It covers the most out all of the lettered plans.
Plan G covers medicare Part B copayments or coinsurance, part B excess charges, first 3 pints of blood, part A hospice care copayment and coinsurance, part B deductible, and coinsurance for skilled nursing care in a facility in full. 80% of foreign travel emergencies are covered. Plan G does not cover the Part B deductible.
Plan K will only cover Medicare Part A hospital costs and coinsurance in full. It provides 50% cover for part B copayment or coinsurance, part A hospice care's coinsurance or copayment, first 3 pints of blood, part A deductible, and coinsurance for skilled nursing facility care. Plan K will not cover your part B deductible, excess charges related to Medicare Part B, or emergency care during foreign travel. Furthermore, after you've reached your yearly out-of-pocket expense limit ($5,880 in 2020) and Part B deductible, the plan will cover all of the covered services for the remainder of the year.
Plan L is essentially a step up from Plan K. It covers all of the same Original Medicare benefits as Plan K, but instead of 50% cover, you will get 75% cover. Plan L has the same exclusions as Plan K. Once you reach your yearly out-of-pocket limit ($2,940 in 2020), the plan will pay for all of the covered services.
With Plan M, you can expect skilled nursing facility care coinsurance, first 3 pints of blood, coinsurance or copayment on Part A hospice care, coinsurance or copayment on Part B to be fully covered. 50% of your Part A deductible will be covered under Plan M as well as 80% of your foreign travel emergency costs. Plan M does not cover your part B excess charges or part B deductible.
Finally, Plan N, covers copayment or coinsurance on Part A hospice care, medicare Part B copayment or coinsurance (except for up to $50 for ER visits that don't end with inpatient care and $20 for healthcare provider office visits), skilled nursing facility care coinsurance, and your medicare Part A deductible in full. Plan N will not cover your Part B deductible or your Part B excess charges.
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Now that we've explored the differences in the various Medigap plans available in Cato, New York, it's important to know when the best time is for you to choose a Medicare Supplement Plan. The best time to choose a Medigap plan is during what is known as the "Medigap Open Enrollment Period". The Medigap Open Enrollment Period starts the first day of the month when you have enrolled in Medicare Part B and turned 65 or older. You may have to pay penalties if you purchase your plan at a later date.
The Medigap Open Enrollment Period is a time where you can't be refused a certain Medigap policy based on your health problems. You also can't be charged more on your premiums, meaning that even if you have pre-existing conditions, you will pay the same monthly premiums as a healthy person.
The insurance provider may not delay your coverage except in some cases where your coverage for pre-existing may be delayed for up to 6 months. This is what is known as a "pre-existing condition waiting period. Pre-existing condition coverage may be excluded if the condition was diagnosed or treated within 6 months prior to your Medigap coverage - known as a "look-back period". While it may be excluded from your Medigap plan, it will still be covered under the limits of your Medicare plan.
During the Medigap Open Enrollment Period you can usually get much better prices. When outside of this period, insurance providers may use medical underwriting as a basis for how much to charge you or if they will accept your application. Medical underwriting is how an insurer decides, based on your medical history, how much to charge you, waiting periods for pre-existing condition coverage, and whether they will cover you or not through a specific lettered plan.
After your Medigap Open Enrollment Period, you are not guaranteed to be able to buy the policy you want, and may not meet the medical underwriting requirements. There are exceptions if you meet the requirements for guaranteed issues rights or Medigap protections.
Part A and Part B, also known as Original Medicare, covers a great deal of your medical needs. But as many people discover, there are considerable gaps in the coverage that Original Medicare provides.
In Original Medicare Part A, you are helped with medical bills including hospice care, home health care, inpatient hospital care, and skilled nursing care in a facility.
In Part B of Original Medicare, the policy helps to pay for durable medical equipment such as walkers, hospital beds, and wheelchairs, outpatient care, health care you receive from providers and doctors, home health care, preventative services such as vaccines and medical screenings.
The gaps in Original Medicare coverage include areas such as health insurance coverage for foreign travel, nursing home care, routine care for hearing, foot care, dental services, and vision care.
With only an Original Medicare plan, you will have no coverage for prescription drugs as of January 1, 2006. Only by adding Part D can you receive prescription drug coverage. Other costs that must be considered with Original Medicare that Medigap can help to pay include coinsurance, deductibles, and copayments.
FOR RESIDENTS OF Cato, New York
As discussed in the above section, there are many benefits that you have through your Original Medicare plan that can be better covered with the addition of a Medigap plan. It helps you to pay the costs involved that usually fall on your shoulders such as your deductibles, copayments, and coinsurance.
A Medigap policy can also help you to pay for things that aren't covered at all by your Original Medicare plan, such as emergency healthcare during travel to another country. For more detail on what standardized basic Medigap plans cover, refer to the above section on how to choose a plan.
While a Cato, New York Medicare Supplement Insurance policy can help you to pay for gaps in your Original Medicare plan, it doesn't cover everything you'll need.
Generally speaking, a standardized Medigap policy won't help you to cover costs involved with long-term care, such as hearing aids, vision care, dental care, eyeglasses, non-skilled care such as care received in a nursing home, private-duty nursing.
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Medicare Supplement Insurance plans cannot be used in conjunction with Medicare Advantage Plans. If you want a Medigap plan, then you cannot be covered by a Medicare Advantage plan, and vice versa. You can, however, apply for a Medigap plan if you are switching back to Original Medicare (Part A and Part B).
Medicare Advantage Plans, or Medicare Part C, is a Medicare plan that basically combines Part A, Part B, and Part D. Medicare Part D helps you to pay for costs involved with prescription drugs. Many Medicare Advantage Plans offer benefits that go beyond Part A and Part B, such as vision, dental, and hearing care. They may also offer extra benefits such as over-the-counter drugs, transportation to Cato, New York healthcare providers, and preventative services.
However, Medicare Advantage Plans often require that you use in-network healthcare providers in order to be covered. Medicare Supplement Insurance plans can be offered as an HMO, PPO, and other types of networks that may ultimately limit the care providers available to in-network. With these networks, you often need to choose a Primary Care Physician (PCP) from a list, meaning that if you have a preferred doctor, they will need to be part of the plan's network.
With a Medigap plan, you will have covered access to more healthcare providers because generally, if a healthcare provider accepts Original Medicare, they will also accept Medigap plans. Another main difference between the two options is the cost. While Medigap plans tend to have higher premiums, there are less out-of-pocket expenses than with Medicare Advantage Plans. Foreign travel is also a factor. Generally, you will have greater medical coverage if you need it while traveling overseas with a Medigap plan than with a Medicare Advantage Plan.
Carefully consider your lifestyle and the types of benefits that you want before making your decision. If you would like further assistance in deciding which type of plan best suits you, call to be connected with a local agent in your area.
All of the standardized Medigap policies available in Cato, New York are guaranteed renewable. This means that even if you have new health problems since you first got your Medicare Supplement Plan, you are able to renew it for as long as you'd like to have the plan. It also means that if a plan you choose is no longer sold in the future, you will likely be able to renew your plan indefinitely.
There are exceptions. If you do not pay your premiums, commit fraud, or provide the insurance company with false information or statements, then the insurance provider has the right to terminate your plan.
CAN I GET Cato, New York COVERAGE FOR
Unlike usual Marketplace plans, you can only buy a Medigap plan for yourself. This means that if you want to get Medicare Supplement Insurance for yourself and your spouse, then both you and your spouse will need to apply separately.
Chances are that your Medigap Open Enrollment Period will also be different from your spouse's, so in order to benefit from the protection that it offers you, you will need to apply separately in any event.
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Prescription drugs can be costly. If you need certain prescription drugs then having them covered is important to help offset the costs involved. Cato , New York Medigap plans do not provide cover for prescription drugs as of January 1, 2006. In order to have insurance coverage for prescription drugs, you must include Medicare Part D.
Medicare Part D can be added to your Original Medicare plan while still being able to make use of the benefits of a Medigap policy. Part D plans provide standardized levels of coverage for prescription drugs, but each type of plan may vary when it comes to the exact prescription drugs that they cover, also known as a "formulary".
Before adding a particular Part D plan to your Original Medicare, you should ensure that the prescription drugs that you require are included in the formulary.
Choosing the right Medicare Supplement Insurance plan can make a significant difference in your life. Take your time and explore all of your options carefully so that you can be covered for all of your lifestyle and medical needs.
If you are finding your decision difficult to make, call to be connected with a local Cato, New York insurance agent specializing in Medicare supplement insurance plans today.