![]() Plus, there are other costs to consider that can affect you financially, like childcare when you're in the hospital and recovering at home, transportation costs if you can't drive, additional healthcare needs like physical rehabilitation, and even grocery and food delivery costs. Although health insurance may cover a portion of hospital bills, it may not cover an entire stay. It's a smart step in financial planningĮven the savviest of budgeters can run into unforeseen expenses. ![]() As long as you continue making your premium payments - and your employer doesn’t terminate the group policy - you’ll be covered whenever you might need to use it. You may be able to take your benefits with you if you change jobsĪlthough most hospital indemnity coverage plans are provided through an employer, you can often take your plan with you if your employment status changes. It’s an easy way to ensure you’ll have extra financial protection in the case of a hospital stay, without the added stress of remembering to make monthly payments. This means you never have to worry about missing a payment or having your policy lapse. Insurance premiums are also often handled directly through payroll deductions if the policy is provided by your employer. Unlike other insurance policies that may involve a medical screening, hospital indemnity insurance is typically a voluntary benefit that’s guaranteed without the need for a medical exam or health questionnaire. Coverage is typically guaranteed, and payments are easy Once the money is in your possession, it’s entirely up to you how you spend it. You can use these funds in any way that might help you and your family with both unexpected and planned expenses.įor example, you might need it for food deliveries, childcare, hospital co-pays, or other essential bills. When you make a qualifying claim on your hospital indemnity insurance policy, you receive a payment from your plan that’s paid directly to you. You can use the benefit payment as you see fit Plus, paying a monthly premium that's deducted from your paycheck can make financial planning easier than you think.Ĭonsider the following four advantages of hospital indemnity insurance: 1. Hospital indemnity insurance can offer financial support to you or your family for an unforeseen large expense or during an emergency and help keep your family's finances on track. What are the benefits of hospital indemnity insurance? Lodging or transportation costs (if you need to travel for care).Here are a few expenses you might want to use it for: Payments from a hospital indemnity plan can cover costs from an extended hospital stay, transportation to and from follow-up appointments, and more. What can hospital indemnity insurance be used for? Hospital indemnity insurance can help cover these unforeseen costs and provide some financial relief. These costs can add up quickly and may negatively impact a tight household budget. The average cost of a three-day hospital stay is around $30,000. We may also underestimate how expensive it is. It's easy to be caught off guard by the variety of hospitalization-related expenses that aren't covered by medical insurance - from co-pays and deductibles to groceries and childcare. Who may need hospital indemnity insurance? Once the money is in your hands, you can spend it however you see fit. Hospital indemnity insurance is a supplemental insurance offering that pays directly to the insured person, not to medical providers, for covered occurrences. ![]() This is where hospital indemnity insurance may help, by giving you a payment to help cover expenses that result from a hospital visit and unexpected emergencies. Even a quick trip to the hospital can result in unexpected expenses that your existing health coverage may or may not cover.
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Mamiya was the first in announcing one such device, in September of 2004, but Pentax did as well in June of 2005, with a previewof the prototypes at the PMA trade show in February of 2006. The prices are high though, far higher than a complete system based on Canon full-frame gear, for instance.Ī new trend is slowly emerging: all digital integrated medium format cameras at more aggressive prices. Hasselblad is trying to reduce the gap between both devices and the actual integration of the H camera and Imacon backs is far better than any other pair of camera-and-back (including their own Hasselblad H with a back from other manufacturer, like Sinar, Capture One or Leaf). ![]() Hasselblad is the strongest innovator in the digital medium format market, with a new system of cameras and lenses (the H system) specifically designed for working with film and digital capture and, therefore, based on a body-and-back concept. Actually, only a few of the medium format manufacturers continue in business, making cameras that accept digital backs. Until now, there are more exits than entries. For this reason, many professional photographers (and aficionados, for different reasons) are continuously reevaluating the medium format offerings on the market. ![]() Sometimes big guns are required for a particular assignment, or we are wealthy enough to aspire to maximum image quality without compromise (and, in passing, to the envy of anyone with smaller cameras). As the prices of full frame 35mm cameras continue to go down, and the specification of these cameras continue to improve, medium format systems will be more and more challenged. Slowly, but restless, the 35mm format is gaining momentum in the very profitable market of wealthy aficionadosand artists. Several medium format manufacturers have abandoned the market, unable to compete in the digital age. Full frame 35mm cameras offer quality comparable to that of the film based medium format systems (645 and 6×6), allowing for a complete gamut of cameras based on the same mount, and saving a lot of money. The cameras are not cheap, but compared with the medium format digital backs they are a bargain. ![]() Many photographers adopted instead versatile systems based on 35mm cameras, and many of then switched to Canon, abandoning Nikon and other brands and medium format systems (Hasselblad, Rollei, Mamiya, Pentax, Fuji…), when the full frame 35mm sensors where available. Medium format systems became too expensive, due to the high prices of digital backs. The digital revolution radically changed this status quo. This multiplicity of incompatible but complementary systems was not irrational. Then, a Nikon 35mm set of cameras and lenses and a medium format (645 or 6×6) system was the typical equipment for fashion or advertising photography in studio. At this moment, very few alternative reviews are available on the Internet.Ī diversity of systems cohabitated in the studios of professional photographers during the film days. Another interesting reading was also publishedhere by Michael Reichmannhimself. In this article we will provide additional insights to those found in a previous reviewon this site, written by Eduard de Kam. While I have attempted to correct some of the more obvious linguistic difference, doing more than that would have resulted in a complete re-write, which would have substantially changed the flavour of the original. ![]() Editors Note:English is not the native language of this article’s authors. This one will be a bit wider and a bit squatter than the previous sections. We left a blank space at the end of the previous step of our guide on how to draw a telescope, and we will be filling it in along with other elements in this part.įirst, draw another rectangular section onto the end of the telescope. Step 3 – Now, draw another section of the telescope It will also be left blank on its far right-hand edge, but we will fill that blank space in soon. This will also be drawn as a rectangular shape, but it will be a bit wider than the previous one. Step 2 – Draw the start of the telescope tubeįor this second part of your telescope drawing, we will be adding the first parts of the central tube of the telescope.įor now, we will be drawing two sections of this tube, and once again they should be pretty simple to draw!įirst, add a thin rectangular section by drawing two lines coming off of the end of the eyepiece. That’s all there is to it for this part, and then you’re ready to add on to it in the next steps. This will be the rim of the eyepiece, and then you can attach two short straight lines onto it. To draw this eyepiece, you can start by drawing a thin oval shape. This part will be the eyepiece, and this is where you will look into when using the telescope. The first part that we will be drawing in this guide on how to draw a telescope will be simple, but it’s also one of the most important parts of the telescope. How to Draw A Telescope – Let’s Get Started! Step 1 This step-by-step guide on how to draw a telescope will show you how to draw one of these incredible devices. If you’re wondering how you can learn to do that, then you’re in the right place! It’s loads of fun to use one, but learning how to draw a telescope can also be a lot of fun to do! The best tool to use in such a situation is a telescope, and these can come in many different sizes and varieties to best suit certain scenarios. It can be difficult to observe some of these with the naked human eye, however, so sometimes you need a little help to see what you want to see. See the link about telescopes in the Additional Resources section to learn more about different types of telescopes and the lenses they use.There are many impressive sights and places to behold on our planet and also in the expanse of space. Binoculars have two sets of lenses so you can look into them with both eyes. The type of telescope you built in this activity is called a monocular. The lenses bend the light to make objects that are far away look bigger. When you look through the telescope, light passes through the objective lens, then through the eyepiece, and finally into your eye. A convex-convex lens is curved outward on both sides. The objective lens (the lens at the far end) is a convex-convex lens, also called a converging lens. A concave-concave lens is curved in on both sides. The eyepiece (the lens you look into) is a concave-concave lens, also called a diverging lens. Your telescope has two different types of lenses. ![]() Sometimes we only use a single lens to make something look bigger, like a magnifying glass. Lenses can make objects look bigger or smaller. ![]() Lenses are curved pieces of glass or plastic that bend rays of light that travel through them. ![]() ![]() The Forza Horizon 5 VIP Membership offers several exclusive rewards and boosts for players who purchase it separately or get it as part of the Premium Edition. The Forza Horizon 5 expansion passes will add new locations, vehicles, and gameplay to the base game. The Welcome Pack adds five special pre-tuned cars to your garage, a special house for your character, the ability to grab some cosmetics for your driver, and the chance to choose an additional car from the game’s collection of vehicles. The Forza Horizon 5 Car Pass adds 42 additional cars to your roster over the course of several weeks. The Forza Horizon 5 Premium Edition comes with the following: The Forza Horizon 5 Premium Edition has multiple add-ons Image: Microsoft The Forza Horizon 5 Premium Edition pre-order comes with several add-ons to enhance your game’s experience. Pre-order Forza Horizon 5 Premium Edition The pre-order for the Forza Horizon 5 Deluxe Edition adds 42 new cars to your game. Although Playground Games have been tight-lipped until now, their official announcement has now confirmed that Forza Horizon 5 will officially be launched on November 9th, 2021. If you’re not a subscriber to Xbox Game Pass, you can get the first month for $1. The Xbox Game Pass version of Forza Horizon 5 will give you the base game and is playable on Windows PC, Xbox One, and Xbox Series X. If you already subscribe to Xbox Game Pass, you’ll be able to play the Standard Edition of Forza Horizon 5 on its release date of Nov. Pre-order Forza Horizon 5 Premium Edition.Pre-order Forza Horizon 5 Deluxe Edition.Pre-order Forza Horizon 5 Standard Edition.In this Forza Horizon 5 buying guide, we’ll explain what each edition of the game comes with, how and where to pre-order the game, and how to play on day one with Xbox Game Pass. The latest edition in the open-world driving simulation title has three different versions to choose from, and those looking to pre-order Forza Horizon 5 should know the difference each edition offers. Forza Horizon 5 pre-orders are live ahead of the PC and Xbox game’s release on Nov. ![]() Shadow Warriors also boosts the damage of Shadows' spells. They tank damage, deal damage, and pin enemies. They wander off and do their own thing, but that's actually really good because usually that means they're already killing stuff before it even targets you. Shadows are what really makes this class work. ![]() Never put any points in this terrible category. Dark Torrent is not terrible aside from the fact that it's like your only talent that does darkness damage. This category takes a whole lot of points to do pretty much nothing. If you have a hate on mind crit item, this will likely keep you at max hate for the entire duration. ![]() Unseen Force is like a bunch of mini Willful Strikes, which is obviously amazing. Also this is your only talent that lets you corner snipe aside from the Shadow stuff (if you have vision of the target) and Cursed Sentry. Sometimes it hits twice because of the knockback but I don't know a way to do this reliably. I think it's pretty obvious that this is an essential talent on Doomed.īlast dazes, knocks back, and does lots of damage. Poor range makes this not as important as your other talents.ĭeflection makes you not die. Willful Strike had okay damage but the knockback is great. If you get the fourth Shadow without spending a category point, then the last category point can go to Survival or Fears or even boosting Cursed Aura if you somehow got a bunch of Shrouds and Nightmares items.įorce of Will: 1/3/0/0 early, 1/5/5/5 core, Willful Strike luxury You can boost Shadows earlier if you value the fourth one over the Inscription slot but waiting is good if you are holding out for Umbraphage or a mastery amulet to drop. Something like Insc, Insc, Advanced Shadowmancy, boost Shadows. If you have low enough mindpower that it can't be salvaged, you probably want another defensive prodigy or you may want to re-evaluate your gear choices to build more mindpower and then take Superpower or PES. If you have 90 or higher mindpower without Superpower or PES, then I recommend Mental Tyranny instead for more Madness procs. ![]() If you have under 90 mindpower and Superpower or PES will push you over 85 mindpower then I recommend one of those at 42. I don't know about other difficulties but on Insane the mindpower sweet spot is around 90 where you can semi reliably beat the mind save of almost anyone including the final bosses. Spine of the World at 30 for the Ruined Earth combo. In hindsight I should probably have used a second Movement over the Wild. I actually used Movement, Regeneration, Heroism, Wild, and Shielding but I found a really good Shielding Rune and had Boots of the Hunter so I didn't use a second Movement Infusion. Standard set of Movement x2, Regeneration, Heroism, Wild/PD/Shielding. Otherwise Thalore and Ogre are decent as always but neither have any synergy. Shalore gives the Ruined Earth + Spine of the World + Timeless combo and Doomelf's Haste of the Doomed and Pitiless are greatly appreciated. Prodigies: Spine of the World at 30, Superpower, PES, or Mental Tyranny at 42 Inscriptions: Movement, Movement, Heroism, Regeneration, Wild/PD/Shielding Seriously just read the guide for where to put spare generic points. Spare class points can go in any talent from the four used categories other than Hateful Whisper. Like in my Corruptor guide, I'll put a tl dr build at the top but you really need to read the whole thing to actually understand how to play this class because it's a weird one. I like to teleport away from Melinda while she's still in the room where I found her, and clear all the enemies on the floor before returning for her.Seems like very few people have any idea how to play this class but somehow it just clicked for me so I guess I'll write a guide. Be warned though, she acts a lot like an escort, and this is a dangerous area! As long as you're in her LOS, she'll follow you, unless there's an enemy around. If you kill all the cultists in time, the girl will start following you around. Having powerful ranged attacks is also quite helpful, but not absolutely necessary. Movement abilities such as Rush, Movement infusions, and controlled phase-door are very helpful here. You start with a very tiny time limit, and every time you kill a cultist, you gain more time (the less cultists there are left, the more time the ritual takes them to complete). If you kill all the cultists in that room before the time limit (which represents how much time you have until their ritual is completed), you can save the girl. ![]() They come from a despicable, massive corporation who uses GMOs and all kinds of other scary shit!” First off, we’re not technically using Oreos, we’re using Chocolate Sandwich Cream Cookies from Sprouts, which may just be even better than the original. If that’s not reason enough for humble cooks like us to buy it, then I give up. Coco Whip on the other hand is stabilized, meaning it doesn’t melt instantly, it only tastes a little bit like coconut, and it can be found in major markets like Sprouts and Whole Foods. We’ve experimented endlessly with coconut whipped cream, but at the end of the day it’s never as light & fluffy as real whipped cream, it melts almost instantly, and let’s face it, it still tastes like coconut. I mean, do you guys even realize how lame you sound right now?” Alright, let us explain ourselves… homemade vegan whipped cream is almost impossible to pull off. Things get even more atrocious when they reach for pre-made vegan whipped cream, which is basically the cool whip of the vegan world. “But wait, the processed foods don’t stop there. Not to mention, you only need a quarter cup to make this recipe, which means plenty glasses of strawberry soy milk for sippin’. Plus, their Strawberry Milk Powder is really nothin’ more than sugar dyed with beet juice and spiked with natural flavors. Look, health foods are cool, but sometimes we just wanna play around like we’re kids again. ![]() Did they just say Nesquik’s Strawberry Milk Powder is vegan? Nonetheless, are these fools really about to sink so low that they’ll use MOTHERFUCKIN’ NESQUIK IN THEIR RECIPE?” Yes and yes. All it took was the discovery that Nesquik’s Strawberry Milk Powder is vegan to set this confection into motion. Those sweet creations, loaded with ice cream, syrups, and all kinds of fresh fruits really sparked our creativity when we got back to the states (mainly because we could only eat with our eyes). ![]() I know, the last one actually made sense, being that it was teriyaki and what not, but as it turns out… crepes are quite the popular street food in Tokyo. It may not seem like it, but this recipe is also inspired by Japan (peep our last post for more Japanese related tings). Whether you’re looking for a signature drink or simply trying to spice up your everyday routine, it pays to explore the wonderful world of different brands and flavors that are available.Ĭoffees offer diverse options like specialty beans from local roasters or fair-trade organic blends. ![]() When it comes to exploring brands and flavors, there are many opportunities for discovery-from the seemingly endless variety of coffees, teas, and craft beers to the unique chocolates, spices, and jams. Its distinctive taste provides fresh twists to classic cocktials, adding deep layers ‘of delight for you tob explore every time you reach for your goblet! Different Brands and Flavors Explored: ![]() This gives an intriguing twist on what could have been a rather straightforward spirit having these additional notes thoroughly infuse into both style and flavor alike leaves you with something quite distinct yet wonderfully balanced whiskey variant.įor those looking for sweet notes without sacrificingcomplexity, wondering how alittle hint of decadence could perk up your favorite drinks recipes or simply wanting afto branch out into uncharted spirits territory Howler Head Banana Bourbon Whiskey will not disappoint. The exact proportions used are closely guarded within Howler Head family but it’s safe to say that the balance achieved between the fruitiness of the banana and the strength of the bourbon create an unparalleled depth and complexity that makes this a truly unique drinking experience.Īdding further intrigue, Howler Head also allows their mash bill to macerate with Madagascar vanilla pods prior to bottling. This bourbon is then blended with natural Aricana banana essence, bringing in a light sweetness and subtle tartness to the mix. The base for this exquisite drink is an authentic small-batch four-year-old Kentucky Bourbon that is sourced from a variety of respected distilleries. This unique blend of American bourbon whiskey and natural banana flavorings has been designed to give both experienced whiskey drinkers and curious newcomers a chance to experience something truly special. ![]() Howler Head Banana Bourbon Whiskey is an exciting new spirit from the renowned distillery of Howler Beverages. Introduction to Howler Head Banana Bourbon Whiskey: ![]() It is best to feed your snake on a schedule and to feed them 3 times a week. They will lose girth (weight), but they will not starve to death in a few weeks or even up to 6 months.Īny of these steps should encourage help change your reptiles mind into eating again. Snakes can go weeks and even months without eating and remain healthy. Just let them adjust and work out their issues all by themselves. Once you try any of these steps, leave them alone for a few days. Using mild soap, use your hands to wash them down, rinse them well, and do not dry them off- Simply put them back into their habitat. Do not use hot water to bathe your snake. ![]() You can put them under a faucet with cool-to-warm water. Give them a bath! Yes, snakes respond well to bathing. Your reptile not eating can be common and is nothing to be alarmed or panicked about. If your little friend has not eaten in a few days, no need to worry. If they refuse to strike, simply drop the rodent in front of the snake and leave them alone for about an hour. To interest your reptile, using tongs, gently wiggle the rodent in front of your reptile until they strike and eat. First, they will start to identify your hand as their source of food and they will begin to strike at you when you go to pick them up, thinking they are going to eat. Never feed your reptile with your hand for the following reasons. Once your rodent is ready to feed, use a pair of tongs or some other device to hold the rodent. Rinse the soap off thoroughly by letting hot water run over the rodent for about 60 seconds, and do not handle the rodent with your hands if possible. If after a few weeks of unsuccessful feeding, it is a good idea to put a few drops of soap on your rodent to wash it off. Reptiles respond well to heat as they use infra red to hunt prey, so a warm rodent will help your feeding process. Running hot water over the rodent and turning the rodent around in the running water will thaw the rodent quicker and warm the rodent so that it is more desirable for your snake. ![]() It is perfectly fine to put the rodent in a sealed plastic bag or directly into hot water. To thaw, simply lay out the same way you would any frozen meat you might eat. Never microwave the rodents to thaw or warm: This not only takes away valuable nutrients needed, but it could harm your pet. Then, you can watch your snake eat without causing your snake anxiety. They need to acclimate to their new home, so give them plenty of privacy and try not to handle them until after 4 feedings. To help prevent underfeeding, snakes should be given a feeder as large as the widest part of their body, and lizards should be given a feeder the size of the distance between their eyes.įor first time feedings, your snake will need complete privacy for about 4 feedings. Your snake will be nervous to eat in the open and prefers a place to hide that is snug, warm and dark. This is a place to hide inside the habitat. Feeding your reptile is an exciting part of owning one! There is special care needed to care for your scaly friend. ![]() Quickly move out of the AoE indicator to avoid this attack. Spittle Splatter: Sjoorm will attack with a large circle AoE that inflicts Dropsy.This debuff can't be cleansed with Esuna, and will deal damage over time. Upwell: Sjoorm will deal damage in a line AoE, inflicting a stacking Dropsy debuff.Sjoorm's attacks and mechanics are detailed below. Entering one will make you immune to the boss's attacks, but will immobilize you for several seconds. ![]() Throughout the fight, large water bubbles will appear around the arena. The second boss of Hullbreaker Isle is Sjoorm. The targeted player should move away from the rest of the party to avoid hitting them with this attack. Streak: The boss will target a player with a targeting reticle before charging toward them, dealing damage in his path.Deal with the Sifakas before spawning the bananas. However, if the Smallfoot Sifaka adds are still alive when the bananas appear, they will quickly run and eat them before the boss can reach it, granting them the damage buff instead.Sasquatch will become distracted, moving to the bananas and consuming them to gain a permanent damage buff. Interact with one of the Wild Banana Trees around the edge of the arena to drop some. To stop the boss from repeatedly casting Chest Thump, you will need to feed it bananas.At the same time, several Smallfoot Sifaka adds will appear. Additionally, the boss will gain a damage reduction buff that heavily reduces the amount of damage he takes. Chest Thump: Sasquatch will become hungry and angrily pound his chest, dealing damage to all party members and inflicting a stacking Vulnerability Up debuff.Move out of the AoE indicator to avoid this attack. Stool Pelt: Sasquatch will target a player with a circle AoE that deals damage.Listed below are each of Sasquatch's attacks and mechanics. Around the arena are several Wild Banana Trees that will drop a bunch of bananas when interacted with. The first boss of Hullbreaker Isle is Sasquatch. Further, its effectiveness was not fully tested because participants’ ability to forgive was assessed only at the end of the forgiveness group. However, their intervention was limited by its exclusive focus on older Christian women. When compared to a control group, those in the forgiveness group experienced fewer negative emotions as well as more positive thoughts and behaviors toward those who had been hurtful. ![]() In one study, Hebl & Enright (1993) evaluated a forgiveness group for older adults. They have constructed a comprehensive theoretical framework concerning the mechanisms associated with forgiveness ( Enright & Colye, 1998) and have applied their forgiveness approach to different populations (e.g., Coyle & Enright, 1997 Enright, Santos, & Al-Mabuk, 1989 Hebl & Enright, 1993). One of the most well-defined approaches has been developed by Enright and his colleagues ( Enright & North, 1998). Mental health practitioners use a number of different approaches to enhancing forgiveness ( Al-Mabuk et al., 1995: Worthington, Sandage & Berry, 2000). Forgiveness may also be linked to greater social support, in that it reduces negative emotions such as anger and hostility toward others ( Worthington & Scherer, 2004). Additionally, those who engage in forgiveness fare better on multiple indicators of physical health ( Lawler et al., 2005) and are more willing to forgive others ( Al-Mabuk, Enright, & Cardis, 1995 Hebl & Enright, 1993). Empirical evidence suggests that those who participate in forgiveness interventions experience salubrious effects including reduced levels of anxiety ( Coyle & Enright, 1997) and depression ( Freedman & Enright, 1996). This paper describes a group approach to forgiveness and examines its effectiveness for older adults.įorgiveness, in clinical terms, is defined as “an act of deliberately giving up resentment toward an offender while fostering the undeserved qualities of beneficence and compassion toward that offender” ( Freedman & Enright, 1996, p. ![]() One way in which social workers can help aging clients resolve their painful reactions is through the process of forgiveness. Indeed, these hurtful situations can be so traumatizing that the resulting mental health problems severely undermine an older adult’s ability to function ( Berry & Worthington, 2001 Graziano, 2003). Powerful feelings of sadness, anger and betrayal may emerge when the discussion focuses on the pain inflicted by others. And there are three fantastic webinars on preparing for a position in academia, too! View on our Resources page.Social workers are often involved with older people as they reminisce about the past. We’ve also included several webinars organized by our doctoral student representatives, including this fall semester’s webinars on the academic job market in difficult times and the use of social media as a digital networking tool, as well as this summer’s webinar on how to publish in our journal, the Journal of Gerontological Social Work. ![]() We included this fall semester’s recording from “Compassion in action: Social workers discuss infusing compassion in aging, mental health, and public safety” in collaboration with NC State University. Mercedes Bern-Klug and Nancy Kusmaul, and loneliness and social isolation among older adults during the pandemic by Dr. Robert Turner, nursing home social work and COVID-19 by Drs. We’ve included all three of our summer webinars on caregiving in the black community by Dr. Refreshed resources page for students, researchers, and practitioners-available to nonmembers for a limited time!ĭid you miss one of our summer and fall webinars? Not to worry! We’ve placed them onto our refreshed resources page. |
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