_fernace

A friend and I are preparing around 50 burritos to pass out to those in need this Saturday. I was thinking of going downtown Miami (around gvmnt center), but wondering if there are better alternatives than roaming the streets looking for people in need.

Does anybody have suggestions?

I'm doing research on how voluntary benefits (accident insurance, hospital indemnity, critical illness, etc.) get sold and bought. I'm trying to get past the bs I see on presentation and decks, so wondering if I could get some help here.

A few things I'm genuinely curious about:

• When a new vendor approaches you, what has to be true before you'd consider piloting them with a client?
• What do incumbent carriers (Aflac, Colonial Life, MetLife etc.) consistently get wrong from your end?
• Is the idea of wellness+preventive linked voluntary benefits something that resonates?
• For HR people: does your broker basically make the call on voluntary benefits, or do you drive it?

Not selling anyt

I'm doing research on how voluntary benefits (accident insurance, hospital indemnity, critical illness, etc.) get sold and bought. I'm trying to get past the bs I see on presentation and decks, so wondering if I could get some help here.

A few things I'm genuinely curious about:

• When a new vendor approaches you, what has to be true before you'd consider piloting them with a client?
• What do incumbent carriers (Aflac, Colonial Life, MetLife etc.) consistently get wrong from your end?
• Is the idea of wellness+preventive linked voluntary benefits something that resonates?
• For HR people: does your broker basically make the call on voluntary benefits, or do you drive it?

Not selling

Everywhere I turn I see somebody with an opinion about marketing. Be it the Sidney ads, the Jaguar rebrand and now, Cracker Barrel.

What these 3 companies had in common was that they were failing business that were irrelevant to most consumers in today's world. Hell, they hadn't been a part of culture in at least a decade (maybe longer).

Now if you were in that position (irrelevancy), would you take chances in trying to make a change?

I hope you answered yes, and good or bad, it's what those people did. Now we can argue the technicalities and taste, but nobody here gives credit to the people behind the scenes.

People who took a chance and tried to leave their mark on the business

I've tried a lot of different tactics, and I can't seem to get anywhere close to 1h deep sleep per night. I usually sleep 8+ hours and avg about 1:20 of REM but can't get that much in Deep.

I work out daily (usually in the morning), sleep at the same time every night and have a decent enough diet - usually no coffee after 2 or 3P and Dinner around 8P with Bedtime around 10:30P.

I usually hit my my deep cycle within 1 hour of falling asleep, but I can never return to it later in the night. What could it be? Bedroom temperature?

Any insight is appreciated.

https://preview.redd.it/fjdeiyqafeif1.jpg?width=1206&format=pjpg&auto=webp&s=0c186d518d18b8f7beba5e722406598d1099fccc

Can anybody give me insight on why the readings in each app show different values for HRV? Is the average being calculated at a different times? It's weird because the source of measurement is the apple watch, but the numbers in Bevel are lower and in athlytic is higher...

Who's the most accurate?

I'm a fairly newbie to the home espresso game and I've been chasing the elusive long shot, more like a double shot.
I've tried to do a double pull, without changing the puck, but not sure it's the best way to do it.

Any suggestions (outside of pulling the 36g and adding water)?

O Vasco esta ai, devendo a deus e o mundo e continua na serie A.

O Cruzeiro fez um cambalacho nas financas, lavou dinheiro, deu calote e esta ai com mais dinheiro que muito clube serio. Quando foi a ultima vez que voce viu um clube falir? Parana Clube? Portuguesa?

A gente tem muito pouca visibilidade no que realmente acontece la dentro então não sei porque tanta discussão sobre o salario de um, divida de outro.

No fim das contas não me afeta em nada, quero mais que é que todo mundo pague o maximo (ou finja pagar).

O importante é o espetaculo.

NSFW porque muito tem nutella no grupo.

We’re in a tough spot and could really use some advice from those who have been there. We thought we’d found our dream home, but the seller has completely thrown us for a loop. Twice. Now we’re not sure what our options are, and it’s starting to feel like litigation might be our only choice—but we’d love to avoid that if possible.

Here’s the situation:

• We found what we thought was the perfect home. The seller was firm on the price, rushed us into a quick closing (just 3 weeks to secure the loan), and didn’t budge after the inspection.
• When the first closing date came, the seller wasn’t ready. His excuse? He needed to transfer an SBA Loan. He missed the deadline in the contract and aske

We’re in a tough spot and could really use some advice from those who have been there. We thought we’d found our dream home, but the seller has completely thrown us for a loop. Twice. Now we’re not sure what our options are, and it’s starting to feel like litigation might be our only choice—but we’d love to avoid that if possible.

Here’s the situation:

• We found what we thought was the perfect home. The seller was firm on the price, rushed us into a quick closing (just 3 weeks to secure the loan), and didn’t budge after the inspection.
• When the first closing date came, the seller wasn’t ready. His excuse? He needed to transfer an SBA Loan. He missed the deadline in the contract and aske