How To Prevent Hair Loss Due To Stress
How To Prevent Hair Loss Due To Stress
How To Prevent Hair Loss Due To Stress
-------------------------------------------
St. Bernadette new single For more infomation >> St. Bernadette new single-------------------------------------------
For more infomation >> St. Bernadette new single-------------------------------------------
LIVE HORROR CUT #2 VIDEO CREEPY DU WEB PART 2 (-12) (ENGLISH SUBTILES AVAILABLE° - Duration: 12:54.Hello all the world, as agreed
Here is the second part of live horror cut
We find it today with a series of five videos
strange creepy, the same as last time
Here we go
Here's the first video, it was
This is a video that called hands thing
It reminds us a video that we had already seen that is called...
I feel fantastic
It's a little like has that this
He could only...
It's the same creator
It is curious
This is a video a little creepy
and ..
especially the usefulness of this video
is not understandable
Maybe for us to share something
his art...
something that hold a heart?
We won't just be ever
and it is better that way
We're going to go right a second video
We are for this video...
a time to forget
Unlike other videos
or you could say it was just to be a form of art
So what about this video ..
also I couldn't find the creator
It is still very special
very..
crazy...
is...
There is no words to describe what we have just to see
is very ..
psychotic, weird
strange simply
I wanted to show you this video
It is terrifying
Watch this kind of thing before going to sleep...
It can make uncomfortable
in any case I wanted to share it with you
next video
're back us again
as you can see
It's different
less amateur
usually the images are bad
While the, the image is net
Maybe it's...
a short film
maybe
or a reproduction of...
an exorcism or a possession
because we see that there is a demon
those who know Satanism...
or those who look at a few demons...
those interested of course
What can I say
is a short film or a reproduction?
It is bound in any case a religion
You can see the bible verses...
If you have been paying attention
for my part I hesitate between the short film...
and reproduction of something
my opinion is shared
What do you think?
feel free to say it in the comments
next
so..
This video is called love.avi
.avi which is the format of the video
you understood
I don't understand
This is a contradiction between the title...
that mean love
with video in it even
which strictly mean anything
We see a clown...
And then...
It is unclear
and after
a scrolling of images, scenes...
that is not at all...
consistency with the other
as this was completely random
so...
Maybe there is a logic
in the spirit of the one who made the video
Or not
simply
It is little to be a troll
maybe...
There is nothing to understand
I don't know
so...
so...
Here's what we can say this video
We pass immediately a the last video
rather creepy isn't it?
There has been a lot of theories about this video
one says that it is a video art
while another...
who's talking about rite...
satanic
This dance would be a satanic ritual...
It's rather curious
in any case the person in this video is...
very creepy
We don't know if it's an old or a young
It's really weird
It gives me chills
because it's unusual...
it is
is...
It makes me really uncomfortable
I think we did this video tour
and...
This live horror cut is completed
We find it soon
for a normal new creepy horror blood episode
It will be a special episode on area 51
who should come very soon
so a very soon to a new episode of creepy horror blood
I wish you to go well so far. bye
-------------------------------------------
For more infomation >> LIVE HORROR CUT #2 VIDEO CREEPY DU WEB PART 2 (-12) (ENGLISH SUBTILES AVAILABLE° - Duration: 12:54.-------------------------------------------
The Benefits of Listening to English while Exercising Walking Work Out - Duration: 17:44.Welcome to Speak English Now podcast with your host Georgiana. The podcast
that will help you to speak English fluently with no grammar and no
textbooks. Hi, everyone I'm Georgiana founder of SpeakEnglishPodcast.com
My mission is to help you speak English fluently in this episode I'll talk about
the importance of moving and studying English
after that we'll practice grammar with a point of view story okay let's get
started let me ask you a question imagine a
person learning English he or she is preparing to study a new lesson how do
you picture the scene perhaps this person sitting at home or in a quiet
library with an open textbook a dictionary and a notebook maybe this
person has been sitting for hours almost motionless trying to learn and memorize
the content at least that's the typical image that pops into my mind whenever I
imagine an English student following the traditional method now let's visualize a
different scene imagine someone walking around their whole bodies moving the
feet transmit movement to the legs and to the entire body the arms are swinging
slightly and the brain receives more oxygen you can be too lethargic when you
walk can you for me this second state is the perfect one for learning the brains
more awake and it can acquire new knowledge faster and there's no need to
carry around any textbooks notebooks dictionaries pencils etc that wouldn't
be practical at all while you're walking and people might start pointing you on
the street as if you were some lunatic I'm sure
that if you've been following me for some time now you already know that
there's a much more efficient way to learn English you can now improve your
English considerably by listening to interesting audios there's no need to
sit in a chair and listen to my podcast or my audio lessons the only thing you
need is your cell phone and your favorite earphones
start taking a nice walk every day and improve your English skills at the same
time in fact the question-and-answer lessons are designed in such a manner so
that you can simulate a conversation in English wherever you are and whenever
you get some spare time you'll learn English faster than ever and you get in
a great shape - you can't ask for more can you haven't I convinced you yet let
me tell you about famous people who did noteworthy things when they walked by
Aristotle the famous Greek philosopher instructed his students while strolling
his students were called peripatetic s' which means walking about in Greek and
Charles Dickens got to know London while he was walking every day for five hours
these walks also helped the author relieve his anxiety Beethoven regardless
of the weather enjoyed taking long walks these walks were essential for his
creativity he would always carry a pen and sheets of music paper Sigmund Freud
sometimes treated his patients during long walks
Nietzsche considered walking a necessary precondition for his writing every day
he set off on a two-hour walk with his
notebook Tchaikovsky after moving to a quiet
village outside Moscow he went for two-hour walks every day he is even
being criticized by some friends for taking walks in severe weather
nonetheless he needed the walks to preserve his mental energy and to keep
his mind sharp Albert Einstein often felt like he needed to take a long walk
on the beach to work out complex problems in his head Steve Jobs was
famous for his long walks which he used for exercise contemplation
problem-solving and even meetings Jobs found that his meetings away from the
office helped him concentrate on the meeting and nothing else now that you've
gotten inspired by all these great men start learning English while doing
something positive for your health okay let's move on to the next section let's
practice some grammar with the point of view technique the main benefit of this
technique is that will help you to learn grammar intuitively without boring
exercises or memorizing rules this is how it works I'll tell you a short story
more than one time every time I'll change a grammar point for example I can
change the tense or the person this way you'll intuitively recognize
the changes ok let's start ok let's start
the story happened in the past Mia was an excellent English student she didn't
learn alone but she did it with her friend Carol they both studied English
together they met every Thursday afternoon at the library they were there
for five hours they studied in silence and seven
ten times they fell asleep they were always sitting for too long in the same
position one day Carol had an idea she suggested
to her friend that in order not to fall asleep they could take a walk and study
at the same time Mia thought it was an excellent idea they
met again like they always did every Thursday they were carrying their books
notebooks and pencils very soon they realized that it wasn't such a great
idea after all Mia said it's so hard to carry all of
these things and walk at the same time Carol agreed with her one day Mia
found the speak English now podcast the podcast had a different approach instead
of carrying all these books notebooks and pencils they just needed to listen
to the weekly episodes it was so much easier for the two friends to walk and
learn English by listening to the podcast they would do so and they were
learning much faster had a better time learning English and lost a lot of
weight now imagine the situation as something hypothetical if I wrote a
story about two students it would be Mia and Carol Mia would be an excellent
English student she wouldn't learn alone but she would do it with her friend
Carol they would both study English together they would meet every Thursday
afternoon at the library they would be there for five hours they would study in
silence and seven out of ten times they would fall asleep they would always sit
for too long in the same position one day Carol would have an idea she would
suggest to her friend that in order not to fall asleep
they could walk and study at the same time Mia would think it would be a good
idea they would meet again like they always do every Thursday they would
carry their books notebooks and pencils very soon they would realize that it
wouldn't be such a great idea after all Mia would say it's so hard to carry all
these and walk at the same time Carole would say Mia was right
one day Mia would find the speak English now podcast the podcast would have a
different approach instead of carrying all those books notebooks and pencils
they would just need to listen to the weekly episodes it would be so much
easier for the two friends to walk and learn English by listening to the
podcast they would do so and learn much faster would have a better time and lose
a lot of weight okay this is the end of this short lesson and it's one of the
techniques that I use in my courses I recommend you to take a look at courses
dot speak English podcast.com okay this is the end of this episode remember to
listen to it several times it will help you with your English see you soon and
have a wonderful week bye bye
did you enjoy today's episode get the transcript now at SpeakEnglishPodcast.com
you
-------------------------------------------
For more infomation >> The Benefits of Listening to English while Exercising Walking Work Out - Duration: 17:44.-------------------------------------------
Manhã Leve | Conheça Dona Antônia da Soledade, moradora do Lar N.Sra. Aparecida! - Duration: 3:15. For more infomation >> Manhã Leve | Conheça Dona Antônia da Soledade, moradora do Lar N.Sra. Aparecida! - Duration: 3:15.-------------------------------------------
For more infomation >> Manhã Leve | Conheça Dona Antônia da Soledade, moradora do Lar N.Sra. Aparecida! - Duration: 3:15.-------------------------------------------
Destiny 2: Live Action For more infomation >> Destiny 2: Live Action-------------------------------------------
NASA EDGE: TDRS-M with David Littmann - Duration: 3:47.[ MUSIC ]
>> DAVE, TDRS-M IS THE LAST
IN A SERIES OF SATELLITES.
BUT BEFORE WE TALK ABOUT THAT,
CAN WE TALK A LITTLE BIT
ABOUT WHAT TDRS-M
ACTUALLY IS FOR THE SYSTEM?
>> SURE, SO TDRS-M,
AS I THINK YOU'RE AWARE, IS
A COMMUNICATIONS SATELLITE.
AND IT BASICALLY IS PART OF
THE CRITICAL LIFELINE
FOR END TO END SPACE
COMMUNICATIONS, PART OF
NASA'S PORTFOLIO THAT
PROVIDES SERVICE TO
OUR ORBITING ASTRONAUTS
ON THE SPACE STATION,
AS WELL AS PROVIDES A MEANS
FOR SCIENTIFIC MISSIONS
TO RELAY THEIR SCIENCE DATA
FOR DISCOVERY TO MISSIONS
HERE ON EARTH FOR SCIENTISTS
TO USE, ANALYZE, AND
PUT TOGETHER-- THE HUBBLE
TELESCOPE BEING ONE PRIME
EXAMPLE OF A MISSION
HERE AT GODDARD THAT USES TDRS.
SO THE M MISSION ITSELF
IS TO PROVIDE, YOU KNOW,
ONE ADDITIONAL SPACECRAFT,
YOU KNOW, OF A CONSTELLATION
TO CONTINUE SERVING
IN THAT PURPOSE FOR
THE OPERATIONS ELEMENT OF TDRS,
WHICH IS THE SPACE NETWORK.
>> BECAUSE THIS IS A SERIES
OF SATELLITES, IS THIS
A REDUNDANCY, OR DOES IT
ACTUALLY BRING ADDED BENEFIT
TO THE OVERALL SYSTEM?
>> I WOULDN'T CHARACTERIZE IT
AS REDUNDANCY.
WHAT I WOULD CHARACTERIZE IT AS
IS CONTINUATION.
THE PROGRAM WAS EVEN DEVELOPED
TO BASICALLY PROVIDE
REPLENISHMENT SATELLITES
TO CONTINUE THE OPERATIONS
OF THE EXISTING FLEET.
YOU KNOW, THE SPACECRAFT
HAVE LIMITED LIFETIMES,
ALTHOUGH, YOU KNOW,
THEY'VE EXCEEDED THEIR
DESIGNED LIFETIMES BY FAR.
BUT THEY DO STILL HAVE
A FINITE LIFE, AND WE HAVE
ENDED UP NEEDING TO DE-ORBIT
AT LEAST TWO SPACECRAFT
CURRENTLY.
BUT AS THE SPACECRAFT AGE,
THERE'S A NEED FOR USERS
TO CONTINUE RECEIVING SCIENCE,
AND FOR THE ASTRONAUTS
TO CONTINUE TO PROVIDE
VOICE AND DATA BACK TO EARTH.
AND SO THESE SPACECRAFT
BASICALLY ALLOW THE NETWORK
AND THE CONSTELLATION
TO CONTINUE PROVIDING
THAT SERVICE.
>> TDRS-M WILL CONTINUE
THIS CURRENT SYSTEM'S LIFE
FOR HOW LONG?
>> SO EACH SPACECRAFT
HAS AN APPROXIMATE LIFE--
OR AT LEAST ON PAPER--
OF 15 YEARS.
SO INTO THE MID 2020s
IS WHAT THE CURRENT
PROJECTIONS ARE.
THAT IS SUBJECT TO, YOU KNOW,
CHANGE, AND IT GETS EVALUATED
AND UPDATED ON A YEARLY BASIS
BASED ON ANY FAILURES AND
EXPERIENCES THAT WE'RE SEEING
IN TERMS OF PERFORMANCE
OF THE EXISTING FLEET.
>> SO HOW DOES THAT WORK
FOR A MISSION NOW?
WHAT KIND OF COMMUNICATION
SYSTEMS DO THEY USE
TO BE PART OF THIS NETWORK?
>> TYPICALLY A SPACECRAFT
WILL HAVE A TRANSPONDER
WHERE IT NEEDS TO KIND OF
RELAY OR PROVIDE EITHER
DIRECT TO GROUND,
WHICH CAN BE DONE USING
THE NEAR EARTH NETWORK TODAY,
WHERE IT WILL RELAY ITS DATA
THAT IT COLLECTS ONBOARD
AS A RESULT OF COLLECTING
SCIENCE FROM WHATEVER SOURCES
THAT IT IS, WHETHER IT'S
A SUN-OBSERVING MISSION
OR SOMETHING ELSE.
AND IT NEEDS TO FIND
A WAY TO GET THAT DATA
OFF THE SPACECRAFT DOWN TO
THE USERS HERE ON EARTH.
IT CAN GO DIRECT TO GROUND
ANTENNA, OR IN THE CASE OF
TDRS, A LOT OF THEM WILL
UPLINK THEIR DATA FROM
A TRANSPONDER THAT THEY FLY
ON THEIR SPACECRAFT
TO THE TDRS, AND THEN
IT CAN BASICALLY BE PROVIDED
THROUGH TDRS AS A RELAY
DOWN TO THE GROUND.
YOU KNOW, ON THE OTHER SIDE,
IT MAY BE THAT THE CONTROLLERS
ON THE GROUND WANT TO
COMMAND THEIR SATELLITE AND
TO TELL IT TO CHANGE ITS ORBIT
OR TO CHANGE THE SCIENCE
THAT IT'S LOOKING TO GET.
AND THEY CAN SEND
COMMANDS THROUGH TDRS
IN THE OTHER DIRECTION.
TDRS WILL THEN RELAY
THOSE COMMANDS TO THEIR MISSION
SO THAT THEIR SPACECRAFT
WILL THEN OPERATE ON THAT DATA,
YOU KNOW, TO CONTINUE
THAT MISSION.
>> NICE, AND IT'S FUNNY, BECAUSE
WE DON'T OFTEN THINK OF
BOTH WAYS OF COMMUNICATING.
WE THINK WE'D LIKE TO GET
THE DATA, BUT THAT'S A GOOD
POINT-- IF WE NEED TO
MAKE CORRECTIONS OR WE NEED TO
COMMUNICATE INFORMATION
BACK TO THE SPACECRAFT,
VITAL TO HAVE
THIS KIND OF NETWORK.
>> RIGHT, AND IT'S NOT
A SIMPLEX-- IT'S DUPLEX, RIGHT?
YOU'VE GOT IT GOING BOTH
DIRECTIONS-- THAT'S CORRECT.
-------------------------------------------
BOBBY - '사랑해(I LOVE YOU)' M/V [GER/ENG SUB] -Saeha - Duration: 5:27.Hello and welcome to the next reaction about Bobby
This time it' I LOVE YOU before that we heard RUNAWAY
I was already flashed about RUNAWAY
And already the Teaser from I LOVE YOU I was already hyped
And I say let's not waste the time and let's go
"BOBBY FIRST SOLO ALBUM
I LOVE YOU
I guess he was in America for this song
But I'm not sure
Oh to much Bobby's there
That look's so lit
dafuq?
yeah yeah yeah yeah
On the right ㅋㅋㅋ
This clothes FeelsBadMan
Oh rip shirt
yeah yeah
I'm happy right now
I'm serious happy right now
dude
I'm so happy
Now I want this Album so fast as possible
RUNAWAY was already lit and I LOVE YOU IS LIT TOO I want this ALBUM
BOBBY why you have to drop so lit songs
And a feature is also coming with Mino
I'm so hyped for this Album
I'm so glad
No joke it looked so lit this scenes also in RUNAWAY
And the song (FANGIRLING)
I only can swarm about it
Serious I only can swarm about it
that was mega liiiiiiiiiiiit
Bobby dude
That was so lit I'm so flashed
I don't know if on his album something like HOLD UP I hope that
I don't know
Let's see Thank you for watching and I hope to see you again bye bye
-------------------------------------------
My Very Hungry Caterpillar AR (Augmented Reality) - Duration: 0:31.For almost 50 years, millions of children all over the world have loved The Very Hungry
Caterpillar.
And now he's out in the wild - with "My Very Hungry Caterpillar AR".
Feed him tasty fruits, watch him grow, and there's lots of surprises to discover.
And when he's tired, let him get some rest.
When he spreads his wings, another adventure begins - for you, and your Very Hungry Caterpillar.
-------------------------------------------
The Benefits of Listening to English while Exercising Walking Work Out - Duration: 17:44.Welcome to Speak English Now podcast with your host Georgiana. The podcast
that will help you to speak English fluently with no grammar and no
textbooks. Hi, everyone I'm Georgiana founder of SpeakEnglishPodcast.com
My mission is to help you speak English fluently in this episode I'll talk about
the importance of moving and studying English
after that we'll practice grammar with a point of view story okay let's get
started let me ask you a question imagine a
person learning English he or she is preparing to study a new lesson how do
you picture the scene perhaps this person sitting at home or in a quiet
library with an open textbook a dictionary and a notebook maybe this
person has been sitting for hours almost motionless trying to learn and memorize
the content at least that's the typical image that pops into my mind whenever I
imagine an English student following the traditional method now let's visualize a
different scene imagine someone walking around their whole bodies moving the
feet transmit movement to the legs and to the entire body the arms are swinging
slightly and the brain receives more oxygen you can be too lethargic when you
walk can you for me this second state is the perfect one for learning the brains
more awake and it can acquire new knowledge faster and there's no need to
carry around any textbooks notebooks dictionaries pencils etc that wouldn't
be practical at all while you're walking and people might start pointing you on
the street as if you were some lunatic I'm sure
that if you've been following me for some time now you already know that
there's a much more efficient way to learn English you can now improve your
English considerably by listening to interesting audios there's no need to
sit in a chair and listen to my podcast or my audio lessons the only thing you
need is your cell phone and your favorite earphones
start taking a nice walk every day and improve your English skills at the same
time in fact the question-and-answer lessons are designed in such a manner so
that you can simulate a conversation in English wherever you are and whenever
you get some spare time you'll learn English faster than ever and you get in
a great shape - you can't ask for more can you haven't I convinced you yet let
me tell you about famous people who did noteworthy things when they walked by
Aristotle the famous Greek philosopher instructed his students while strolling
his students were called peripatetic s' which means walking about in Greek and
Charles Dickens got to know London while he was walking every day for five hours
these walks also helped the author relieve his anxiety Beethoven regardless
of the weather enjoyed taking long walks these walks were essential for his
creativity he would always carry a pen and sheets of music paper Sigmund Freud
sometimes treated his patients during long walks
Nietzsche considered walking a necessary precondition for his writing every day
he set off on a two-hour walk with his
notebook Tchaikovsky after moving to a quiet
village outside Moscow he went for two-hour walks every day he is even
being criticized by some friends for taking walks in severe weather
nonetheless he needed the walks to preserve his mental energy and to keep
his mind sharp Albert Einstein often felt like he needed to take a long walk
on the beach to work out complex problems in his head Steve Jobs was
famous for his long walks which he used for exercise contemplation
problem-solving and even meetings Jobs found that his meetings away from the
office helped him concentrate on the meeting and nothing else now that you've
gotten inspired by all these great men start learning English while doing
something positive for your health okay let's move on to the next section let's
practice some grammar with the point of view technique the main benefit of this
technique is that will help you to learn grammar intuitively without boring
exercises or memorizing rules this is how it works I'll tell you a short story
more than one time every time I'll change a grammar point for example I can
change the tense or the person this way you'll intuitively recognize
the changes ok let's start ok let's start
the story happened in the past Mia was an excellent English student she didn't
learn alone but she did it with her friend Carol they both studied English
together they met every Thursday afternoon at the library they were there
for five hours they studied in silence and seven
ten times they fell asleep they were always sitting for too long in the same
position one day Carol had an idea she suggested
to her friend that in order not to fall asleep they could take a walk and study
at the same time Mia thought it was an excellent idea they
met again like they always did every Thursday they were carrying their books
notebooks and pencils very soon they realized that it wasn't such a great
idea after all Mia said it's so hard to carry all of
these things and walk at the same time Carol agreed with her one day Mia
found the speak English now podcast the podcast had a different approach instead
of carrying all these books notebooks and pencils they just needed to listen
to the weekly episodes it was so much easier for the two friends to walk and
learn English by listening to the podcast they would do so and they were
learning much faster had a better time learning English and lost a lot of
weight now imagine the situation as something hypothetical if I wrote a
story about two students it would be Mia and Carol Mia would be an excellent
English student she wouldn't learn alone but she would do it with her friend
Carol they would both study English together they would meet every Thursday
afternoon at the library they would be there for five hours they would study in
silence and seven out of ten times they would fall asleep they would always sit
for too long in the same position one day Carol would have an idea she would
suggest to her friend that in order not to fall asleep
they could walk and study at the same time Mia would think it would be a good
idea they would meet again like they always do every Thursday they would
carry their books notebooks and pencils very soon they would realize that it
wouldn't be such a great idea after all Mia would say it's so hard to carry all
these and walk at the same time Carole would say Mia was right
one day Mia would find the speak English now podcast the podcast would have a
different approach instead of carrying all those books notebooks and pencils
they would just need to listen to the weekly episodes it would be so much
easier for the two friends to walk and learn English by listening to the
podcast they would do so and learn much faster would have a better time and lose
a lot of weight okay this is the end of this short lesson and it's one of the
techniques that I use in my courses I recommend you to take a look at courses
dot speak English podcast.com okay this is the end of this episode remember to
listen to it several times it will help you with your English see you soon and
have a wonderful week bye bye
did you enjoy today's episode get the transcript now at SpeakEnglishPodcast.com
you
-------------------------------------------
Medicare Supplement Plans NY and CT - Duration: 17:26.Medicare NY, Medicare CT, Medicare supplement Plans in NY, Medicare supplement Plans CT.
If you're a resident of either New York State or Connecticut and you are researching your Medicare options, this video is for you.
Medicare in New York in Medicare in Connecticut are different than the rest of the country. Or, more specifically the residents of
New York and Connecticut have specific state laws that provide them Medicare rights and privileges not given to anyone else in the
country. Hi, I am Matthew Claassen with MedigapSeminars.org and in this video I'm going to go over the
special rules and privileges that residents of New York in Connecticut have that are not provided to anyone else in the country.
These special rights and privileges means that you should approach Medicare with a completely different strategy than those used or
professed for any other state. These state Medicare rules bring with them good news and bad news.
But, more importantly, it means you need to approach Medicare completely differently than those in other states.
I'm gonna show you the strategy that you need to use in order to minimize your Medicare cost and maximizer Medicare benefits
if you live in New York or Connecticut. Coming up!
Medicare Supplement Plans NY, Medicare supplement Plans CT, Independent Medicare insurance broker. Medicare NY, Medicare CT.
Before we get into today's video; whether you're researching Medicare for the first time or
you had Medicare for while and you just have questions,
you'll find the answers on my website MedigapSeminars.org. I've created an entire
video library that you can use to research Medicare, along with numerous articles
that can take you from, from A to Z. From how to enroll in Medicare to the different types of plans; the benefits, the pros and cons
Everything you need to know to make an informed decision.
Or you can also subscribe to my YouTube channel. Just press the subscribe button down below,
and after this video and you can be taken to all of videos that I have posted on YouTube.
Again, laid out in an easy to follow format so that you can research Medicare
at your leisure, for free. So visit my web site, MedigapSeminars.org or subscribe to my YouTube channel, press that subscribe button
below so that you can be taken, after this video, to the videos that you need so you can make an informed decision on your Medicare.
So let's get started on the Medicare strategies for New York and Connecticut.
Now, as I mentioned earlier the Medicare in New York in Connecticut come with good news and bad news. The bad news is that
Medicare supplements can cost twice as much in New York State in Connecticut than in any other state in the country. Well, most states.
The good news is the reason that they are so expensive is they come with the rights and privileges offered nowhere else.
If you been researching Medicare already then you probably already know that in order to get the most out of your Medicare benefits
you need to stay with the Original Medicare; your Medicare A & B, and avoid Medicare Advantage plans. When you have Original
Medicare A & B you can add to it with a Medicare supplement plan.
If you're not already familiar with Medicare parts A & B don't worry this video is still for you. But if you subscribe to my channel below
and go to my channel, you'll find some videos on Medicare Parts A & B and all you need to know.
Medicare Advantage Plan are those Medicare HMOs or PPOs that only offer local coverage.
You will have to stay within a local network. Which means if you are a snowbird or RVr
and you like to travel the country all, it should automatically roll out Medicare Advantage plans.
But they also change every year, and you give up your Medicare rights too a private insurance company.
I'm not saying that Medicare Advantage Plana are bad, but I am saying that they are
only the the right option for very small percentage of people on Medicare.
More importantly, because of the special rights that you have in New York or Connecticut
it should really will rule out Medicare Advantage Plan completely.
Medicare supplement plans are national coverage.
You can see any doctor, go to any hospital anywhere in the country as long as they accept Medicare.
Which is pretty much all of them! This means if you are a snowbird or RV'er or you just travel a lot you can see any doctor
anywhere you are within the country. You don't have to worry about a network, you don't have to worry about asking permission
or getting approval see a different doctor.
You have complete freedom with a Medicare supplement plan.
If you get sick and you find that your best care is with Sloan Kettering or MD Andersen or Mayo Clinic
you can go to any of those facilities
with complete confidence that your Medicare will go with you and cover
just as you expect it to. Now there are a lot of states that have specific rules only for their residents.
However only in the New York and Connecticut can you getting Medicare supplement plan at any time! Not just your in your
Medicare initial enrollment period or your Medicare supplement initial enrollment period.
At any time.
and that the insurance company can never ask you a medical question. You're guaranteed to get the plan that you apply for
without health questions. That's a big deal! The insurance company cannot deny you coverage.
They can't charge you more because of your medical history.
They simply have to give you the Medicare supplement plan that you apply for at the same price as they would for anybody else.
In most other states that's not the case.
In most of the state's you have a six month period from when you start Medicare Part B
where you can get a Medicare supplement plan without health questions.
After the six month period you'll have health questions and you have to qualify. If you have a significant health history
you could be denied your rated; charged a higher price. So for residents of most states if your
health history includes things like a recent heart attack, cancer, stroke or Alzheimer's or Parkinson's,
problems with diabetes or other significant events, then you may not have the freedom to move to another Medicare Supplement plan
should you need to. Whether you want to get more coverage are just lower your cost. in most states. That means that in most states when
you approach the decision on which Medicare supplement is right for you
it's a very careful decision. You want to make sure the first time that you get the right plan and the right insurance company.
Because you never know when something can happen that can reduce your ability to move to a new plan. So you have a six month period.
It's not a difficult thing, but you only have that six month period.
On the other hand if you're a resident of New York or a resident Connecticut
you can go for the lowest cost Medicare supplement possible and if something
happens and you're going to have higher medical expenses you can immediately convert
to the most comprehensive plan available. You can be on your death bed and change your Medicare supplement as you see fit.
This means that you have the ability to incorporate an entirely different strategy with your Medicare supplement that can lower your
cost to even better than most other states . That is what we are going to cover next.
First here's what you don't do. Don't try to get the most comprehensive coverage that you can possibly afford. I will explain in a second.
Second, don't worry about Medicare Plan F being discontinued or phased out in 2020.
That is something that people who can get stuck in a plan need to concern themselves with.
That's not the case if you're a resident of New York or Connecticut. Your state laws have made sure
that you can't get stuck in a plan. So this is what your strategy should be.....
Start with the lowest cost Medicare supplement plan available to you. This will typically be a plan where you're limiting your
maximum out-of-pocket expense so that no matter what happens; a surprises event
certainly something unplanned for. Your medical bills, your Medicare bills will never be
more than the limit that you expect or they won't be out of hand. They won't be unmanageable. You will find the cost of this
makes a lot of sense. Then it if there is a point where you're facing higher medical bills, switch to higher coverage.
Maybe you'll switch to hirer coverage for a long period of time, maybe for short period of time. It doesn't matter.
If it gets to a point where you're better and those bills are behind you,
you can always switch back to that lower cost coverage. So here's what I would do;
the Medicare supplement plan with the lowest cost is typically your Medicare supplement Plan F -High Deductible.
That Plan F -High Deductible is available to anyone who starts in Medicare before January of 2020.
After January 2020 the Plan F -High Deductible will be replaced with a Plan G - High Deductible.
Exact same benefits, just a different name.
You don't have to worry that Medicare Supplement Plan F is being discontinued. It doesn't matter to you if
Plan F or Plan F - high deductible is being discontinued because if that's a problem, which I don't suspect it will be. But if it is
then you can switch to a Plan G- High Deductible. You can do any switching you want no matter what your health history is.
You should know is that all the Medicare supplement plans in both New York and Connecticut
are priced as Community Rated plans. A Community Rated plan is a pricing structure
where the price is the same regardless of whether you're a 65 or 85 or 70
It doesn't matter. No matter what your age is you're going to pay the same price. This pricing structure helps you take advantage of the
special rights your state gives you. It means that when you switch plans you don't lose a benefit.
You're not applying at an older age and therefore paying a higher price.
It doesn't matter where age you are with a Community Rated plan. Your Medicare supplement plans in New York and your
Medicare supplement plans in Connecticut are priced higher than most other states.
For example; a Medicare supplement Plan F or a Medicare supplement Plan G
can cost you between $2400 and $3600 a year. Now compare this to a Medicare supplement Plan that is a high deductible like the
Medicare Plan F -High Deductible. With a Plan F -High Deductible or Plan G - High Deductible later on,
you can lower your insurance costs to just $600 to $800 dollars a year. The Medicare supplement Plan F High Deductible is the
Medicare supplement plan F on this table with the asterisk. It's exactly like the regular Medicare supplement plan F except you pay
the deductible before your Medicare supplement plan kicks in.
You get 100% insurance coverage after you pay the Medicare supplement deductible.
Another way to look at it is that the Medicare supplement deductible is your maximum annual out of pocket cost. Now this is important-
You pay your deductible before your Medicare supplement plan kicks in, not before Medicare kicks in.
Medicare still pays its portion before your supplement.
So the choice is yours if you're in New York or Connecticut and you
decide to go with the regular Medicare supplement plan F or a Plan G
you're going to pay over $2000 a year, probably over $3000 a year
for your Medicare supplement plan whether you need it or not.
For most people you won't even have $2,000 or$3,000 a year in medical bills.
Or you can go with a Medicare supplement Plan F -High Deductible
and pay between $700 or $800 dollars a year, maybe a little bit less, and know that even in the worst case scenario
your maximum out of pocket expense is probably only going to be
equal to or close to the premiums that you would have if you have a Medicare supplement Plan F or a Plan G.
I've done a couple of very detailed videos on the Medicare supplement Plan F -High Deductible.
and you find one of them linked above or below. Or the easy way is if you press to Subscribe button below and after this video
go to my YouTube channel and look for the Plan F -High Deductible videos
and you'll be able to find them easily. Watch them there so that you understand this plan. The more you understand this plan, the more
you're going to see the value in it and be able to understand the strategy
that you have as a resident of New York or a resident of Connecticut, that will save you money.
Now I want to add one more very important piece of information.
While the benefits of all the high deductible plans are exactly the same, right now it's the Plan F -High Deductible
2020 and beyond there will be a Plan G high deductible.
The benefits, no matter which insurance company that you use, are exactly the same. But the costs are not.
Some insurance companies will charge twice as much for a high deductible plan as your best priced company.
Exact same benefits, exact same plan.
All very high quality companies. If you would like to find out the prices and get a quote comparison for the
Medicare supplement Plan F -High Deductible in your area let me know. I'm happy to help.
If you not aware, my services are free to you. I am paid by whichever insurance company that you choose to work with. So as a resident of
either New York or Connecticut, you can use a different strategy for your Medicare supplement that anyone else in the country.
It's a different strategy, but it's a very simple strategy.
Go with the lowest cost Medicare supplement plan that is available to you.
You have all the benefits of a Medicare supplement plan you can go to any doctor,
any hospital, anywhere in the country. You have complete freedom.
Your Medicare supplement insurance does what insurance is supposed to do, it limits your maximum annual out of pocket costs
and makes certain that no matter what happens to you medically, it's not a financial disaster.
Then if you ever believe that you're gonna be facing some very significant costs and you wish
to change to a plan that has higher benefits, you can do so.
And you can switch back after words if you choose. And at no time and can the insurance company ask you medical questions.
That is such a big deal. If you're resident of New York state or Connecticut you can get the Medicare supplement plan that you
want, when you want, with no medical questions. I hope you found this information helpful if you have please press the LIKE button
When you press the LIKE button on a video, what it does on YouTube is it helps other people
find this video when they have the same questions about Medicare you had.
If you'd like to see my other videos, the easiest way to do that is to press to press my Subscribe button below.
Go to my YouTube channel. You'll see the videos listed
and you can see any Medicare subject that you need so that you have the information you
need to make an informed decision about your Medicare.
Now it's your Turn! I make these videos for you.
Please leave me a comment below. Let me know what it is that you like about this video.
If you learned something that you're going to use, let me know.
Put it down below. And if you have a question that it's not personal type it below. I make an effort to answer every
question as best I can. I'm really interested in what you have to say so please leave me a comment.
I am Matthew Claassen with MedigapSeminars.org, thank you for watching.
An independent Medicare insurance broker. Medicare NY, Medicare supplement plans NY, Medicare CT, Medicare supplement plans CT.
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