Community Posts
In individual health insurance plans, each policyholder and their dependents have their policy and coverage tailored to their specific needs. Premiums and coverage are determined based on individual factors such as age and deductibles. Consequently, premiums can vary widely.
On the other hand, collective or group insurance plans are often provided by employers and organizations. These insurance plans cover a group of individuals under a single policy. Premiums and coverage are based on the overall risk profile of the group, leading to lower costs per individual. The risk-sharing nature of these plans can result in more stable premiums for all members, with healthier individuals subsidizing costs for those with higher medical needs.
For instance, while creating a collective insurance plan for a community of people aged 50 to 85, this demographic is more likely to require healthcare services due to age-related conditions and chronic illnesses. It could cause a higher healthcare utilization rate among its members, leading to greater claim volume and associated costs. This adverse selection could also lead to a disproportionate number of high-cost claims, impacting all members with potentially increased premiums.
Let’s set a premium of $65 per person which aims to maintain affordability, it may not accurately reflect the true cost of coverage, especially for older individual rates. Also, there’s a risk of losing benefits if the collective plan needs to migrate to another insurance company. This is particularly relevant due to two-year waiting period for coverage of pre-existing condition. If the plan switches companies, members may lose the benefits accrued during this waiting period, potentially leaving them exposed to significant healthcare costs.
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There has been a category change in the Investor Visas. The new regulation authorizes the substitution of the investment that guarantees the visa; as long as the new investment complies with the new values ($42.500); You can change the CD investment visa from one bank to another bank or from CD to property and vice versa.
For more information, contact Dra. Lina Ulloa at:
Email: uz.asesoresecuador@gmail.com,
Address: Av. Jose Peralta 1-19 and Av. 12 de Abril, Acropolis Building, 3rd Floor, office 312.
Telephone numbers: (07) 410-3588 or 098-420-5336
Contact information:
SPEAK SPANISH “QUICK AND EASY”
Dear Amigo:
You can now speak Spanish easily and quickly in the comfort of your home with my 2-3 week accelerated online Spanish program and my communicative approach focused on your particular learning needs based on real-life situations.
Avoid courses based mainly on “Theory and Grammar”. Call now for booking and further details.
Warm greetings!
Un caluroso abrazo ecuatoriano !
David Caicedo Gordon
MEd., Master of Education, a major in SLAM (Second Language Acquisition Methodologies)
Contact information:
🍻 Step into Wednesday nights at our pub and unlock the perfect midweek unwind with our unbeatable deals! 🍹
On Tap: Nitrogen Oatmeal Cream Stout, Nitrogen Peanut butter Stout, Kiltlifter Scottish Ale, Mojito’s, and Hard Root Beer.
🥃 Ready for a taste of adventure? Dive into the night with 3 Jägermeister shots for just $10!
🍹 Craving the classic Cuban flair? Savor the taste of freedom with our Cuba Libre special: 3 for the price of 2, all for just $10!
🍸 Seeking something smooth and refreshing? Indulge in the crisp, tangy goodness of our Vodka Gimlet, also available 3 for 2, all for just $10!
⏰ Join us from 9pm to 11pm every Wednesday to elevate your evening and enjoy these irresistible offers.
🎉 Gather your friends, raise your glasses, and toast to good times at our pub – where every Wednesday is a celebration! Cheers to savings, camaraderie, and unforgettable memories. See you there! 🎉
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🎷 *Save the Date: Fundraising Concert for Cuenca Youth Orchestra!*
Support the Cuenca Youth Orchestra at a special concert hosted by GRACE: Give Refugees a Chance foundation and idiomART.
📅 Date: 15 June 2024
🕒 Time: 3:00 PM
📍 Location: idiomART, Mariscal Lamar 14-25 & Estevez de Toral
Enjoy classical and Venezuelan music by:
🎻 Mariangel Mundaray
🎸 Héctor Hernández (Son Autana)
🎤 Frank Polo
🎹 Jackson Sánchez
🎷 Luís Covarrubias
🎻 Andrés Bonvín
🎺 Alí Lazaro
🎻 Belkis Apontes
You may know these talented musicians from local restaurants or seeing them play on the streets. They are all migrants and will be teaching music to children, creating a beautiful way to integrate migrant and Ecuadorian kids through music.
Don’t miss this amazing event!
#FundraisingConcert #CuencaYouthOrchestra #GRACEFoundation #idiomART #SupportTheArts #MusicForIntegration #MigrantsAndKids
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The new income for RETIRE VISA will be 3 basic salaries, this year the basic salary is $460. The new Income is $1.380. Each year it will increase according to the basic salary. For each dependent the income will be $250 plus.
For more information, contact Dr. Lina Ulloa at:
Email: uz.asesoresecuador@gmail.com
Address: Av. Jose Peralta 1-119 and Av. 12 de Abril, Acropolis Building, 3rd Floor, office #312.
TELEPHONE NUMBERS: (07) 410-3588/098-420-5336
Contact information:
**Sebastian Ordonez: Your Personal Assistant for Everyday Tasks**
Are you overwhelmed with tasks and in need of a helping hand? Look no further! I’m Sebastian, a 29-year-old, English-speaking professional with a degree in Tourism and Hospitality Management. With experience as a tour guide, front desk agent, and a trainee in the rooms division at Hyatt Regency New Orleans, I’m equipped to handle a variety of tasks with patience and efficiency.
**Services Offered:**
– Transportation to any destination (within the city)
– Dog walking
– Handling paperwork and procedures
– Shopping assistance
– Pharmacy errands
– Spanish tutoring
– City tours
…and much more, tailored to your needs!
**Why Choose Me?**
– Affordable rate of **\$10 per hour**
– Guaranteed punctuality and exceptional service
– Fluent in English and Spanish
**Book Now!**
Check my availability and schedule an appointment at your convenience. Feel free to contact me anytime!
Contact information:
Dear readers, many of you will have heard about Crea Credit Union. Not only news, newspapers and social networks talk about our resounding success. This is because we were the cooperative with the greatest percentage growth throughout the region in 2023. This result is also partly due to our prestigious list of investor partners and our vision.
My name is Juan Lara and I invite you to be part of this cooperative. In Crea, not only we provide you with the highest interest rates in the market, in addition the best experience in the management of your funds, liquidity and security. That’s a combination that is hard to beat.
Juan Lara:
099 459 6148
jlara@crea.fin.ec
City: Cuenca
Contact information:
The Grace Foundation has been meeting for months to develop our newest project the Cuenca Youth Orchestra. We are now ready to have a logo contest. We are asking that anyone who would like to submit a logo do so by midnight on the 8th of June. We apologize for the short time frame. Please submit as many entries as you would like. The winner will receive $25, as determined by the organizing committee. In addition you will receive recognition for the logo, and a founding membership with the Cuenca Youth Orchestra Please submit your entry/questions to: Email address listed at bottom of page.
We would like the logo to incorporate the following to the extent possible.
Mission:
The Cuenca Youth Orchestra (CYO) is a multi-cultural youth orchestra building bridges and community through the healing power of music.
Vision:
Cuenca Youth Orchestra, a multi-cultural founding member for youth orchestras across South America, models compassion, excellence and diversity in community through promoting artistic expression and appreciation for all peoples.
Core values:
Safety, Empowerment, Community, Commitment, Excellence
Contact information:
Discover Expert Dental Care Near You!
At IntegraDental we specialize in Prostodontics, Dental Implants, Aesthetic Dentistry, Orthodontics, Peridontics, Endodontics, Pediatric Dentistry.
Address: Federico Malo 1-147 and Tadeo Torres, IBUPARK BUILDING (Parque de la Madre).
Contact us: 0979284925.
Contact information:
Tuesday – Three crunchy tacos $4.
Three crunchy tacos and a Craft Beer for $8.
$1Fish, Carne asada and Pollo asada street tacos.
Wednesday – 3×2 Craft Beer all day.
Thursday – 5 -7, 10- 1am happy hour $1 off Craft Beer.
Friday- 3×2 Mojitos all day.
Saturday – 3- 6pm $1 off Craft Beer.
Contact information:
This is not a week to be “Chicken” – instead be bold and head to King Smokehouse for an incredible sale on Felix’s organic ground Chicken. Sounds great? You betcha it does and to help you with an idea we offer you one of our kitchen tested recipes to help you enjoy this special chicken:
Here’s the easy recipe: 2 pounds of King Smokehouse Ground Chicken; 1 cup of your favorite salsa; 2 Tbsp olive oil; 1 tsp smoked paprika; 3/4 tsp roasted ground cumin; 1/2 tsp ground chipotle pepper; 1/4 tsp salt; 2 cups shredded sharp cheddar cheese (Great cheese waiting for you at the Smokehouse). Mix together in large bowl, form in loaf and place in baking dish or casserole. Bake at 400 degrees F for 1 hour to 1 hour 15 mins or until done. Spread additional salsa on top of loaf before baking (this helps keep it super moist); top with additional shredded cheese during the last 10 mins of cooking, if desired. No breadcrumbs or eggs necessary.
Is that all there is at King Smokehouse? Oh lordy no!!!!! There is Bacon, Sausage, Bacon, Bits, Sauerkraut (lots in stock NOW!), Ham (sliced and whole), Ribs, Pulled Pork, Cheese, Mixes and the list goes on. Stop by and check out all the finest of gourmet products offered at your King Smokehouse. So easy to find just across from Parque San Sebastian.
Contact information:
All foreigners of all nationalities who are irregular in Ecuador, on March 22nd 2023, the Presidential Decree was issued for the regularization of foreigners who are irregular in Ecuador. Note; for this regularization certain requirements must be followed, one of them is your registration at the link www.estoyaqui.ec
This regularization period will start on June 23rd, 2023 and will last 8 months for foreigners who want to regularize. The Regularization will be through an exception temporary residence visa or also called visa Virte.
For more info contact:
DRA. LINA ULLOA
uz.asesoresecuador@gmail.com
uz.servicios@gmail.com
Contact information:
Cuenca Youth Orchestra Logo Contest – Win $25
The Grace Foundation has been meeting for months to develop our newest project the Cuenca Youth Orchestra. We are now ready to have a logo contest. We are asking that anyone who would like to submit a logo do so by midnight on the 8th of June. We apologize for the short time frame. Please submit as many entries as you would like. The winner will receive $25, as determined by the organizing committee. In addition you will receive recognition for the logo, and a founding membership with the Cuenca Youth Orchestra Please submit your entry/questions to: email address above.
We would like the logo to incorporate the following to the extent possible.
Mission:
The Cuenca Youth Orchestra (CYO) is a multi-cultural youth orchestra building bridges and community through the healing power of music.
Vision:
Cuenca Youth Orchestra, a multi-cultural founding member for youth orchestras across South America, models compassion, excellence and diversity in community through promoting artistic expression and appreciation for all peoples.
Core values:
Safety, Empowerment, Community, Commitment, Excellence
Contact information:
Did you know that your unwanted items can become treasures for those in need?
How can you help? It’s easy: Donate!
Donate Quality Clothing: Your second-hand clothes can become someone else’s new fashion. Give your clothes a second chance and someone a fresh start.
Furniture with a story: Do you have furniture you no longer use? Give them a second life and help build cozy homes.
Books, toys, and more: From books to toys, your donations can inspire new stories and games.
Why donate to Hearts of Gold?
Direct Impact: Your donations go directly to supporting individuals and families in vulnerable situations.
Sustainability: By giving a new life to forgotten items, we help reduce waste and encourage a sustainable lifestyle.
Solidarity Community: Join a community of donors who share the vision of a more compassionate world.
How to donate? It’s simple:
Visit our store: Find your D’Ellas Second Hand store at Chimborazo Street L-13 and Esmeraldas, and leave your donations with our friendly staff. (Hearts of Gold Foundation)
Pickup program: Can’t come to us? Contact us to schedule a donation pickup at your home on Fridays.
Together, we can make a difference. Join the Dellas second hand mission today!
Contact information:
Spice up your Tuesday with our mouthwatering Tex-Mex specials, including:
🌮 Tacos 🌯 Burritos 🧀 Quesadillas 🍹 Tequila Sunrises & Margaritas
Don’t miss our signature Avocado-Limeade 🥑, a refreshing blend of lime, orange, & avocado—the perfect Tex-Mex companion!
😋 Tex-Mex Lunch: $6.50 🍹 Add a Margarita: $3 🥑 Tex-Mex Lunch w/ Avocado-Limeade: $8
🚗 Express Delivery: WhatsApp +593 99 109 9185
📍 Join the fiesta: Avenida de Solano y Doce de Abril, Cuenca. Starting at 12pm!
#TexMexTuesdays #SolanoBistro #CuencaEats #TacoTuesday
Contact information:
**Sebastian Ordonez: Your Personal Assistant for Everyday Tasks**
Are you overwhelmed with tasks and in need of a helping hand? Look no further! I’m Sebastian, a 29-year-old, English-speaking professional with a degree in Tourism and Hospitality Management. With experience as a tour guide, front desk agent, and a trainee in the rooms division at Hyatt Regency New Orleans, I’m equipped to handle a variety of tasks with patience and efficiency.
**Services Offered:**
– Transportation to any destination (within the city)
– Dog walking
– Handling paperwork and procedures
– Shopping assistance
– Pharmacy errands
– Spanish tutoring
– City tours
…and much more, tailored to your needs!
**Why Choose Me?**
– Affordable rate of **\$10 per hour**
– Guaranteed punctuality and exceptional service
– Fluent in English and Spanish
**Book Now!**
Check my availability and schedule an appointment at your convenience. Feel free to contact me anytime!
Contact information:
What does Hogar de Esperanza do with your donations of clothing and household items? First and foremost, we give them away to those who are most in need of them. Great care is taken to make sure that they get exactly what they need. Any extra items are sold in Esperanza Thrift Shop, where all of the proceeds go back into directly supporting the foundation’s work of helping those in need.
Are you moving soon – perhaps across town or maybe even back home – and you have items that you can’t take with you? Do you wish you had someone to come carry away those items remaining after your moving sale, that you don’t know what to do with? Were you just spring-cleaning last week, and came across clothes in your closets that you no longer wanted? If you would like to do some incredible things with those items you no longer need or want, let us turn them into something valuable to help those in need.
We accept anything that you wish to donate, and put it to immediate use. You can come by the thrift shop, which is located at 8-28 Juan Montalvo y Mariscal Sucre, to drop off items Monday through Friday from 9 AM – 5:30 PM. We also do pick-ups of donations, so feel free to contact us to arrange a time. Thank you so much for your support of Hogar de Esperanza – we could not do any of this without you.
Contact information:
THE REGULATION OF THE HUMAN MOBILITY LAW, which we have waited so long for, is only expected to be published in the Official Registry so that it becomes effective.
The last paragraph of Article 84 of the Regulation establishes that “For purposes of continuity of permanence, the foreign person may not leave the country for more than ninety (90) days during the entire period of validity of the temporary residence visa”
For more information, contact Dra. Lina Ulloa at:
Email:uz.asesoresecuador@gmail.com
Address: Av. Jose Peralta 1-19 and Av. 12 de Abril, Acropolis Building, 3rd Floor, office 312.
TELEPHONE NUMBERS: (07) 410-3588/098-420-5336
Contact information:
As President of Hearts of Gold, I wanted to be sure that ALL those who helped make our High Tea such a success get the credit they deserve. The funds raised all go to support Hearts’ All Children Deserve to Dream program that focuses on empowering and supporting children and adolescents in vulnerable situations.
First, I want to thank Vanessa Watts, Associate and Melina Lopez, Owner of Kolo Restaurant for donating the use of their restaurant with all their table settings and all their help. Also, to our Hearts’ staff, Executive Director, Maria Jose Orellana, Alex Riofrio, Accounting Director and Cari Serrano, Community Development Director who always do whatever needs to be done.
Our volunteers provided mini sandwiches and canapes, teapot-shaped cookies, cupcakes, brownies, cream puffs, chocolate eclairs with, of course, tea, for a fabulous luncheon, and our bartender also served wine, beer or a champagne cocktail.
We had wonderful, donated raffle prizes (a gorgeous hat, art pieces and a Wedgewood teapot and cups) as well as beautiful flower centerpieces for guests to take home. And then more wonderful volunteers to clean up after waitressing all afternoon.
In addition to Heart’s staff and all the volunteers, Frances Hogg wants to send a special thank you to Tarek Ben Miled who transported her and all her supplies in the middle of the torrential rain storm and to Kris Fischer who provided the lemons for tea and drinks.
And finally, a special thank you to Frances Hogg who is Hearts’ Event Chair and does all the organizing, coordinating and donating of everything from champagne to tea to desserts to signs to a fun table game to anything else needed to make this all work.
From my heart to all of you who truly have Hearts of Gold – Thank you!
Contact information:
Blue Box CP
