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As a general rule of thumb, if temperatures drop below 15-20°F (-9- -6°C) I keep the ducks inside the coop. The coop is slightly warmer, draft free, well ventilated, and has a thick layer of hemp bedding and straw bales for them to sit on. I try to bring them treats to keep them entertained throughout the day- but for the most part they just sit around with their feet tucked into their feathers looking like adorable little bread loaves. They don’t mind the snow on the ground and their pond is he
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Your health insurance company is required by law to spend most of your premium on your actual care. It’s called the Medical Loss Ratio rule. Sounds like it protects you, right? Here’s what they actually do with it. The big insurers bought up their own pharmacies, their own doctor groups, their own clinics. Then they pay those subsidiaries — companies they own — and count it as “medical spending.” UnitedHealth alone projects $165 billion this year flowing between its own subsidiaries. Technically
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