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Your Elvenar Team
Next Fellowship Adventure
- Thread starter ajqtrz
- Start date
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samidodamage
Buddy Fan Club member
@muffy.
It does not appear Beta is having an FA; they have an event countdown clock with the Forbidden Runes event launching there on Thursday. Since Inno refuses to release any type of event calendar, all we can do is guess. They conceivably could give live worlds a week after this event, then an FA (as long as it's the same one and doesn't need beta testing), and then start the event on live. Most people I've talked to think it's more likely that live will follow beta: event, short break, event. There's a post from helya here in the beta thread where she doubts there will be a live world FA.
It does not appear Beta is having an FA; they have an event countdown clock with the Forbidden Runes event launching there on Thursday. Since Inno refuses to release any type of event calendar, all we can do is guess. They conceivably could give live worlds a week after this event, then an FA (as long as it's the same one and doesn't need beta testing), and then start the event on live. Most people I've talked to think it's more likely that live will follow beta: event, short break, event. There's a post from helya here in the beta thread where she doubts there will be a live world FA.
Soleil Nightbloom
Well-Known Member
All the players in my fellowship are really disappointed about there not being an FA. Some of them are still hoping there will still be one. Is there a way that this can be officially confirmed?
helya
Beloved Ex-Team Member
I can unofficially confirm no FA
Enevhar Aldarion
Oh Wise One
Everything in this game either happens first on the Beta server and then comes to the Live servers or it all happens at the same time on all servers. Nothing is ever given to Live and not Beta. The new event starts on Thursday on the Beta server, which means with the normal delay from there to Live, about two weeks after that it will start on all the Live servers, meaning we will get a two-week break from having anything extra going on, once the Winter event ends tomorrow night.
Soleil Nightbloom
Well-Known Member
Thanks, I’ll be sure to let my fellowship know.
crackie
Chef, Scroll-Keeper, Buddy's #1 Fan
I don't know about the rest of you, but that owl dropped half the items he was supposed to deliver. As recompense, they should just give us our last artifact for all the presents never delivered. I'm going to fully karen this situation and talk to the supervisor who thought it was a good idea to use owls as couriers during peak holiday rush. At least the red suited fat guy with the beard went down the chimney himself and left the animals on the roof! You're getting sloppy, Boblin!
Myne
Oh Wise One
Myne
Oh Wise One
I have always called him the drunken owl Edit: or the herbs
Soleil Nightbloom
Well-Known Member
Yeah! He makes me dizzy, Lol
Raccon
Well-Known Member
It's probably to comply with the lockdown and social distancing mandates that the chimney diving man in red was replaced by the high flying (social distancing) gift dropping owl
ajqtrz
Chef - loquacious Old Dog
As a senior citizen I'm on Medicare. And a Medicare Supplemental from a well know insurance company. In our system Medicare pays 80% of whatever medical problems I have addressed. My Supplemental policy pays the other 20% I've had 2 surgeries, one to put a stent in my artery, one for a non-malignant cancer tumor, I've been to 8 specialists for all kinds of things, 16 physical therapy sessions, 6 MRI's 1 PET Scan, and all the other doctor office visits necessary for follow up and so on. In the years I've been doing this I received a bill on only one thing: for $17. That's it. The problem with our system in the US for senior citizens, of whom I know many very, very well, is that when you retire they offer you one of two (well, they generally offer only one of them, you have to ask about the other) types of "medigap" coverage. One is free or very low cost --$25 or less. Almost all of them also offer you dental and eye (which my set up doesn't). When I sat down and asked my broker which of the many plans he would recommend he went on and on about how the Advantage plan is so cheap. When I heard it was $25 and that, on top of that I would get credit for $25 of pharmacy goods a month I almost jumped. But as I've always said to my many students: "If you don't know how they are making their money, run!"
So I asked, "if the premiums are so little how do they make any money?" He looked at me, shocked, and then shrugged. "I don't know but they do. They all make plenty of money." So before signing up I found out.
1) They negotiate huge reductions in the price of the thing. A 1,000 procedure costs them next to nothing because they tell the hospitals two things. First, if you want our business this will be the price. With only a few companies serving any area, it's pretty easy to get them to play ball. And since the price to Medicare isn't the same -- but the list price minus the standard discount for Medicare the price comes down to 600-$700 per $1,000. And since Medicare pays up to 80% the actual cost to the insurance company becomes either 0 or a few dollars. Medicare pays their share, and the total the hospital/doctor receives is usually near or more than the price negotiated by the insurance company. That $1,000 procedure is paid in full by Medicare and the insurance company walks away with no loss. But that's not all.
In addition, all those office visits, procedures and all that? All those copays, etc? The money they take in from that is often pooled and split between the hospitals, insurance companys, doctors, etc. Everybody gets a cut. It may not sound like much but here's one example of how it adds up. I had surgery in a hospital. My friend had the same. In addition to a daily fee for being in the hospital (I think he paid $50) there was a deductible of $500 for the surgery. AND, get this, another $500 deductible for his trip to the "recovery room" to be watched while he recovered from the surgery. This, on top of, of course, the deductible for the doctor's attention and so on. The surgery itself was about 50K for both of us. Over time and with all the various visits and procedures, he paid nearly 10K. I paid nothing.
The difference is he has the same insurance company as I. Same network. Same hospital and even same GP. He has Medicare Advantage. I have Medicare Supplemental.
I have interviewed six hospital billing administrators over the last three years. All six will answer the following question with "Nobody knows." The questions? "How come this surgery costs this much?" The "formula" has not been to calculate the price based upon costs, but to use the Federal numbers for inflation in the medical field to set next years price. The actual cost to the hospital can't be computed as they don't know.
Yeah, the American health care is broken. But it's breakage is our own fault because we hear "free" and don't ask the next question: "If it's free, how do they make any money?"
Sadly, almost every US Senior citizen will be buried under a mountain of medical bills before they die. All because they got greedy and let greedy insurance plans offer them cake they were told they could eat both now and later.
Just my (I know, extended) thoughts.
AJ
Darielle
Chef, Scroll-Keeper, and Buddy Fan Club Member
Although I agree with much of what you said, I don't believe our seniors will be buried in bills because of their own "greed." I believe they will be buried in bills because of a complicated system that doesn't inform them of all of their options. There are many, many seniors out there who go on the healthcare website and give the person their health and financial details, and then that person recommends a certain plan. They don't know what they're getting into, and it certainly isn't greed. Greed is when you are aware and can easily afford better options but don't take them. When you consider that, shockingly, 69 percent of all Americans have less than a thousand dollars in savings, that's not greed. They rely on advice to help them survive on their budget, and the person on the healthcare.gov site gives them the plan that they can afford.
You and I may quibble about why people have so little in savings, and it's really irrelevant. We won't agree on the reasons ... I would cite high medical bills, high rents, low wages, etc, etc, and you would likely (won't say for sure) cite bad management, Starbucks, junk food, or whatever. We are miles apart in some of our views but not so far apart on others. As I said, that's irrelevant. Greed isn't part of the equation, at least not on the part of seniors struggling to survive. It is very much on the big medical insurance companies, who charge big accounts next to nothing, as you say, and make up for it on the backs of people without adequate insurance, hounding the little guys into bankruptcy. That's where the greed roosts.
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hvariidh gwendrot
Well-Known Member
i was looking for the thread describing the difference between bacon and Canadian bacon ?
YarL
Member
My “vacation” is approaching 100 weeks. Hopefully students can attend the college I work at in person in February.
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