Flying Solo Taking Personal Health Insurance

Flying Solo Taking Personal Health Insurance

To date, most people have health insurance through their employers. Their company works to choose the provider and the set of options within the company, and that is given to their employees. Fewer people have group coverage today due to economic reasons and health care costs and improved medical procedures. As more companies cut their health care programs, more people are discovering their own individual health insurance plans. Although it takes a little time and research, there are many advantages to choosing your own plan. Flying Solo Taking Personal Health Insurance
Selection

Flying Solo Taking Personal Health Insurance

With an individual plan, you can choose the provider, options, and details that work best for you and your family. There are seemingly endless options offered by many organizations, and many people who may or may not qualify for a health insurance company are forced to find their own service provider that meets their needs.

Freedom

The ability to change plans and companies is important to many people, because trying different options may be part of the process of finding the right one. In addition, if you have your own health insurance, you do not have to worry about losing coverage if you change jobs or lose jobs. This allows you to choose a job based on your wants and goals, not on the benefits you receive. Flying Solo Taking Personal Health Insurance

Independence

When you go with group insurance, you allow your boss to have control over your health care choices. For example, many women want access to birth control but are under group insurance that does not cover birth control. With an individual plan, you can meet your coverage of your own values ​​and priorities.

Doctor

Many group plans only allow you to see a particular doctor; With individual coverage, you can see a doctor you trust and visit a hospital you already know.

Who Gets Individual Health Care?

As mentioned above, fewer entrepreneurs are currently offering group insurance than in the past. Traditionally, individual plans are reserved for people who are in the workplace, self-employed, refreshed from their parent’s coverage, or who only work for companies that do not offer coverage (whether or not they offer at all or are ineligible employees). Currently, the number of people working for the company without the coverage grows, so does the number of entrepreneurs.

Group health insurance generally has a partial or full benefit funded by your employer, but can keep you in an unsatisfactory job for fear of losing coverage and can also get you stuck in a situation that does not meet all your needs. Many people feel overwhelmed when presented with the various providers and plans that each offer. When considering moving to an individual plan, it may be worth trying to work with a local agent to find what suits your needs, both medically and financially. Flying Solo Taking Personal Health Insurance

Almanac: The “Father of Streamlining”

Almanac: The “Father of Streamlining”

And now a page from our “Sunday Morning” Almanac: November 5, 1893, 124 years ago today – Day One for the man called “The Father of Streamlining.”

For that was the day Raymond Loewy was born in Paris.

An award-winning model airplane designer while still a boy, Loewy moved to the United States after World War I, and went to work.

He transformed the railroad locomotive and the Greyhound bus. He designed modern sewing machines and popcorn machines … and filled his home with his own creations.
Book excerpt: Art Garfunkel’s “What Is It All but Luminous”
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In this excerpt from his new memoir, “What Is It All But Luminous: Notes From an Underground Man” (Knopf), singer Art Garfunkel writes of his early fascination with radio, rock ‘n’ roll, and a fellow classmate named Paul Simon .

Watch Rita Braver’s interview with Art Garfunkel on CBS ‘”Sunday Morning” November 5!

KNOPF
On Saturday mornings, in 1953, in Keds sneakers, white on white, I took my basketball to P.S. 164. We played half-court ball, three on three. Or else I listened to Martin Block’s Make-Believe Ballroom on the radio. I loved to chart the top thirty songs. It was the numbers that got me. I kept meticulous lists – when a new singer like Tony Bennett came onto the charts with “Rags to Riches.” I watched the record jump from, say, # 23 to # 14 in a week. The mathematics of the jumps went to my sense of fun. I was commercially aware through the Hit Parade, as well as involved in the music. Johnny Ray’s “Cry,” the Crewcuts’ “Sha-boom,” Roy Hamilton ballads, “Unchained Melody” reached me. Soon the Everly Brothers would take me for The Big Ride.

As I entered Parsons Junior High where the tough kids are, Paul Simon became my one and only friend. We saw each other’s uniqueness. We smoked our first cigarettes. We have retreated from all other kids. And we laughed. I opened my school desk one day in 1954 and saw a note from Ira Green to a friend: “Listen to the radio tonight, I have a dedication to you.” I was aware that Alan Freed had taken this subversive music from Cleveland to New York City. He read dedications from teenage lovers before playing “Earth Angel,” “Sincerely.” When he played Little Richard’s “Long Tall Sally,” he left the studio mic open enough to hear him pounding a stack of telephone books to the backbeat. This was no Martin Block.

Maybe I was in the land of payola, of “back alley enterprise” and pill-head disc jockeying, but what I was was that Alan Freed loved us kids to dance, romance, and fall in love, and the music would send us. It sent me for life. It was rhythm and blues. It was black. It was from New Orleans, Chicago, Philadelphia. It was dirty music (read sexual). One night Alan Freed called it “rock ‘n’ roll.” Hip was born for me. Chuck Berry, Jerry Lee Lewis. Bobby Freeman asked, “Do you want dance, squeeze and hug me all through the night?” and you knew she did.

I was captured. So was Paul. We followed WINS radio. Paul bought a guitar. We used my father’s wire recorder, then Paul’s Webcor tape machine. Holding rehearsals in our basements, we were little perfectionists. We put sound on sound (stacking two layers of our singing). With the courage to listen and cringe about how not right it was yet, we are going to record.

We were guitar-based little rockers. Paul had the guitar. We wrote streamlined harmonies whose intervals were thirds, as I learned it from the Andrews Sisters to Don and Phil and floated it over Paul’s chugging hammering-on-guitar technique. It was bluesy, it was rockabilly, it was rock ‘n’ roll. We took “woo-bop-a-loo-chi-ba” from Gene Vincent’s “Be-bop-a-lula.” We stole Buddy Holly’s country flavor (“Oh Boy”), the Everlys’ harmony (“Wake Up Little Susie”). Paul took Elvis’s everything (“Mystery Train”). As Paul drove the rhythm, I brought us into a vocal blend. We were the closest of chums, making out with our girls across the basement floor. We showed each other our versions of masturbation (mine used a hand). “The Girl for Me” was the first song we wrote – innocent, a pathetic “Earth Angel.” In junior high we added Stu Kutcher and Angel and Ida Pellagrini.

All the while, I did a lot of homework, the shy kid’s retreat. My geometry page was a model of perfection. Anything worth doing is worth doing extraordinarily well – why not best in the world?

Excerpted from “What Is It All but Luminous” by Art Garfunkel. Copyright © 2017 by Art Garfunkel. All rights reserved. No part of this excerpt may be reproduced or reprinted without permission in writing from the publisher.
Industrial designer Raymond Loewy transformed locomotives, automobiles and household appliances into objects of unparalleled beauty. LIBRARY OF CONGRESS
On the CBS show “Person to Person” in 1956, Loewy described his design philosophy: “I felt it was my duty to try to do whatever I could to introduce a little bea

E-Van on the Road: StreetScooter Has a Smart Way

E-Van on the Road: StreetScooter Has a Smart Way

The move toward electric delivery vehicles a step closer last month with the inauguration of an e-van, produced by Ford and Deutsche Post DHL Group, in the German city of Cologne. The launch of WORK XL StreetScooter has been heralded as an innovative and eco-friendly response to the challenge of increasing package shipments, with 2,500 e-van expected to be ready for service by the end of 2018. So what are the features and benefits of this potential game changer? E-Van on the Road: StreetScooter Has a Smart Way
Clout capacity

XL WORK consists of a Ford Transit chassis, a body that has been built with DHL Deutsche Post specifications, and battery-electric drivetrain. With a load volume of 20 cubic meters and enough space to carry more than 200 gifts, XL WORK certainly represents a significant improvement in this case from its predecessor: WORK and WORK L have a load volume of only 4 and 8 cubic meters respectively. The rack is installed in the load area, which has been designed to be fully accessible from the cab. Loading is possible through the back door and also side side sliding doors. Thanks to a modular fitting battery system that delivers 30 kWh of power up to 90 kWh, it also has a range between 80 and 200km.

In the past, electric delivery vehicles have been criticized for their high costs. This problem is obviously handled by the author; WORK XL has a charging capacity of 22 kW however, which means the charging time is usually only three hours.

Cut Emissions

Running with electricity means every WORK XL is expected to make an annual savings of about five tons of CO2 emissions and 1,900 liters of diesel. As Jürgen Gerdes, a member of the Deutsche Post executive board, writes: “This [the StreetScooter WORK XL] is the perfect vehicle for packet shipments in large cities and large urban areas, and will enable us to overcome packet volume increases in a way that more environmentally friendly and more calm.With this commitment, we also underline our claim as a market leader in green logistics. ”

Agreed with Mr Gerdes in his approval of the electric delivery vehicle, Steven Armstrong, group vice president and president, Europe, Middle East & Africa, Ford Motor Company, added: “We are very proud of this ambitious project, and a strong partnership. with Deutsche Post DHL Group and StreetScooter.This joint project will be Europe’s largest producer of European emissions, emissions-free and does not come too long Buses, cars and, of course, delivery vans play an important role in our daily lives, yet we must find a way to make it cleaner.The project is a major step along this path. ”

Author Plate

Norman Dulwich is the correspondent for the Courier Exchange, the world’s largest neutral trading center for the same day courier work in the express goods exchange industry. Connecting professionals in the UK and Europe through their sites, Courier Exchange provides valuable services, updating members with the latest information from the transportation industry, including electric transport vehicles, fuel costs and other news. More than 4,500 transport exchange businesses are combined through their website, trade jobs and capacity in a secure ‘wholesale’ environment. E-Van on the Road: StreetScooter Has a Smart Way

Reasons to Live in Retirement Communities

Reasons to Live in Retirement Communities

It is difficult to accept the changes that occur with age. If you have family members that reach the point where it is challenging to keep abreast of the tasks required for home ownership, you are already facing this problem. It’s hard to embrace the fact that the person you love, or maybe yourself, may need less responsibility and have to move away from the family home. Many are reluctant to even consider let alone make such changes. It’s possible that you have a preconceived idea of ​​what a retirement community is like, and maybe that’s not very positive. There are so many new areas that are specifically aimed at seniors, and they have a beautiful living environment. It will be worth your while to check out one, like PebbleCreek Retirement Community. There is no harm in looking around and seeing what they offer. This can help make your decision making process easier. Reasons to Live in Retirement Communities

Benefits to Living in Retirement Communities

The first thing you’ll find is there is no yard work or home care needed. These tasks are sometimes too physical with age, but you want your home to look good inside and out. In the retired community, all these things are kept for you. You do not have to worry about mowing the lawn, shoveling snow, changing light bulbs, and many other things. If you really love gardening, some communities have areas that you can adopt; You do not have to let go of everything. You will find a good balance for you, but the option of not having to take care of these items is a bonus.
Switching to such a community can also improve the relationship you have with your family. Often you find that you are very dependent on grown children or other family members to take care of everything. You may feel that you are being a burden and will choose not to ask when something needs to be done. It may also be tense if the schedule does not allow things to happen soon. Both sides of the situation may be a struggle, and it is difficult on the parent relationship of the child. If there are other options available for help, you may find that when you do these things together it will be much easier.
The social interactions found in the pension community are very important. There are many activities on offer, and some people are involved. This can give you a chance to try new things while meeting new people. There may also be facilities in your community that allow you to swim, play golf or tennis, or have walkways. It gives you the option to stay fit and healthy without having to travel to do so. Easy to make friends in this environment because there are many people, all at the same stage in life. If you live in the neighborhood, it’s hard to find a place to meet people. Reasons to Live in Retirement Communities
There are security factors to consider as well. Most communities will have some kind of security by reason of limiting access to those who do not live there. Many homes or apartments will also be part of an emergency response system, allowing residents to remind someone if they have a problem. It can entertain the family as well.

Reasons to Live in Retirement Communities

You still have to evaluate and make the best decision in your situation. As you weigh the options you have, be sure to visit places like PebbleCreek Pensions Community, or others in your area. They will give you more information, which will help you decide what to do next.

Home Surety Companies Protect Homeowners from Unexpected

Home Surety Companies Protect Homeowners from Unexpected Repair Crisis

The company’s home warranty has gained popularity among consumers because of the valuable service they provide. Whether you live in a new home or have had the same dwelling for years, a repair crisis with unexpected costs can strike anytime, and you may need help paying the bill.
When a housing repair crisis occurs, your first thought may be, “How much does it cost?” and, “How can I make sure the fix is ​​done right?” Even if you are a do-it-yourself fan, the time and cost of unexpected repairs can take up most of any budget.

 

So what is the solution? The answer can be found before the crisis strikes. By researching a home warranty company and finding the protection you need beforehand, you can be prepared for the inevitable repair, or emergency, that can strike any consumer.

The home warranty company specializes in providing specially designed coverage to protect your residence. Different types of coverage are available to customize. Choose to cover your electrical system, heating and air, roof, coverage for the pool, or garage. If the air conditioner comes out on the hottest day of summer along with the pool pump stops working, you can avoid panic. You can get the repair done without issuing a second mortgage. It will be a comfort to know that you are covered by a home warranty and able to restore normal life. Home Surety Companies Protect Homeowners from Unexpected Repair Crisis

Getting protection from a warranty makes sense. Planning ahead is smart, especially when it might save you money. After all, we buy insurance in case of fire or flood. We also purchase health insurance and life insurance and get warranty for our equipment, computers and cars. When we get to the house where we live, should we allow things to happen? Let’s say the average homeowner issued a mortgage for 30 years. Could it be that in 30 years some major improvements will be needed? Of course it will. You might think that because you intend to sell your property in a matter of 5 years or more so you do not need major repairs. However, many realtors say that having insurance to cover repairs may increase the resale value of your property.

You can even find a home warranty company that offers coverage that allows customers to choose a company or contractor who wants them to make the necessary improvements. With all the benefits and personal options for the scope available, it is not surprising that more and more consumers are looking for profits that can be provided by the company’s home warranty. Every wise consumer wants to investigate how a guarantee can be a good investment to protect their home value and their peace of mind. Home Surety Companies Protect Homeowners from Unexpected Repair Crisis

Building up your brand id

Building up your brand id

The key to creative and effective branding of any program, product, service or institution is finding the right positioning – to drive the advertising and other marketing tools. It does not have to be complicated or weird. In fact, if it’s good and effective, it’s simple and will follow this “Rule of consumers” – “You’re what you appear to be.” This position, or ‘brand’ is really an identity – a way people can sort through all the confusing information and summarize what they think about something.
What do you get with a brand identity?

 

Over the last 25 years we have come to learn that the development of brand identity is much more than a mere benchmark denoting successful arrival in brand identity business, or its evolution and growth. A highly competitive business environment in today’s highly competitive business environment.

Just to lay some “groundwork”, here are the reasons why you can have a strategically important effect on your bottom line.

o It’s easy to know who you are, which means:

o It’s easy to know what you do. (Helps develop goals)

o It’s easy to know how to do it. (Helps with implementation)

o Less energy is expended overall. (Creates efficiency in communications)

o Team building occurs naturally when staff can identify with common symbols, common language and therefore common goals. (Sports uniforms are a good example.) Every player feels like a part of the group.)

o You can match your image for your business needs or view of his business. (A simple matter of “give what they want.”)

o With a clearly defined identity you communicate more efficiently with your customers, and they remember you more easily. (Memorability is easier when everybody is clear you are are.)

o Enhancements in the overall quality of your product or service. (Consistency always counts.)

o Benefits and unique qualities of your business are communicated more clearly to your clients thereby increasing sales. (Marketing tool)

o Helps set identifiable standards of quality in your product or service. Helps with a sense of reliability by developing a “brand identity.” (Brand names are trusted.)

So, what is a corporate brand anyway?

As we begin the process of making recommendations for developing a corporate branding identity let’s talk about what we really mean by “brand.” What is it, why does it work, how does it work and who makes it work.

Reasons to Buy Life Insurance Now

Reasons to Buy Life Insurance Now

Many people postpone the purchase of life insurance in Greenville, SC, and other fields because they seem to assume that the benefits are not something that applies to them. Unfortunately, every year people learn that it is a mistake not to invest in this policy. Although you definitely do not want to sit around thinking about your possible death, it is a mistake not to prepare yourself for the overly obvious possibilities so you can be taken far before you expect. You need to buy a good policy now to give family opportunities to your family in case of your death, to give you the peace of mind right now, to improve the nature of your investment, and to keep low payments on this financial aid.
Provide for your Family

Reasons to Buy Life Insurance Now

To be honest it’s important for everyone to get a good policy, but it’s even more important for you to invest in life insurance in Greenville, SC, if you happen to be one of the major financial providers for your family. Equally unpleasant, you need to figure out what will happen to your family if you die. How do they pay for the necessities of life? Will they be properly provided?

Investing in these policies can help them survive if the unthinkable happens. If your loved ones are faced with the tragedy of your loss, make sure that they are also not faced with the tragedy of losing their homes and the quality of their lives. The size of the policy should end up equal to the amount of revenue you generate. Talk to good advisors to find out which policies are appropriate for this need. Reasons to Buy Life Insurance Now

Giving You Peace of Mind

Many people who buy the required policies tend to do so after the loss of a loved one. No one likes to think about it, but death can come anytime. If you want to avoid worrying about what your family will do if you die, then the only way to gain peace of mind is to buy the right policy.

Increase Investment Portfolio

This is a frugal and wise person who takes time and money to create the right insurance policy. Since this is an investment, it will be reflected in your investment portfolio. When a financial institution looks at the funds you have invested, when a financial institution sees this policy, it will look good to you. They will see that you are not a big risk taker and you understand the need for preparation.

Keeping Payments Low

The sooner you get your policy, the less you have to pay. First of all, this means you have long paid the policy. This alone will save you money for the premium you have to pay. You should also consider that if you are injured or sick, the amount you pay for this policy will increase rapidly. Getting your payment set and guaranteed at this time will mean that you are getting a premium set for your current health and youth.

Of course this is not something you want to think about, and it may be a bit awkward to get to know the person you love. That being said, it must be something that needs to be done. The person you love should be grateful to know that you love them enough to make sure they care about whatever happens. If you have not done so already, you need to work now to build some life insurance in Greenville, SC. Reasons to Buy Life Insurance Now

General Pension Planning Sense Financial planning for retirement is the main focus of our company. Let us help you find the many opportunities available to help you plan your financial future. Visit our page at http://www.commonsenseretirementplanning.com to view our page today!

Tips for Choosing the Right Center for Rehabilitation

Tips for Choosing the Right Center for Rehabilitation

There is no doubt about it, substance abuse is on the rise and millions of people are looking for help available. You can undergo rehab oxycontin in Louisiana to help your addiction, but we all know that not all rehabs are created equal. It’s kind of a silencer on what should be good news.
The biggest challenge many people face is choosing the right oxycontin rehab center. Although there are different rehabs that are a bit expensive, the good news is you can always get services that offer services at affordable prices. You should also be able to find the age and specific gender of oxycontin rehab in Louisiana.

 

One of the things you need to worry about when looking for oxycontin addiction help is how many years the facility has been around. If all things are equal, it is an open fact that an existing oxycontin rehab for a longer time will have more experience in helping people like you than people who just opened their doors. Tips for Choosing the Right Center for Rehabilitation

Find rehab oxycontin in Louisiana that has been around for a while. They will get enough experience to help people who face such problems. This means that they will learn practically what it takes to provide the best oxycontin addiction aid.

You also need to see what kind of facilities they have at the oxycontin rehab center in Louisiana that you want to follow. Take the time to verify whether the center has the right facilities to handle your problem. Most importantly, a good oxycontin rehab in Louisiana will have a medical staff who are skilled enough to help people who are struggling with your addiction.

Also make sure that you give careful consideration to the location and environment around oxycontin rehab. You want to join the found in a place that is conducive to a business like this.

Another important aspect that will help you know that you are dealing with the perfect oxycontin rehab center in Louisiana is the number of people who have managed successfully in the past. Do not believe every word written in the review section of many websites. There is a rehab center that pays people to simply write beautiful testimonials. Tips for Choosing the Right Center for Rehabilitation

The best way to find out if you are dealing with a competent center of oxycontinous rehab is to go further and ask them to give you contact with the real people they have helped. Once you receive some contacts, make time and call them so you can hear their stories live.

You can be almost certain that the oxycontin addiction treatment center that fully gives you contact from any satisfied customer may not be the original one. With a little more effort, you should be able to get the right oxycontin addiction help that lets you get the freedom you deserve.

5 Reasons Why You Do Internet Marketing All Wrong

5 Reasons Why You Do Internet Marketing All Wrong

The key to success of any marketing campaign is to capture enough qualified leads so there’s enough sales at the end of this campaign to make it profitable. Sounds pretty easy, but you’ll be surprised at how many internet marketers are doing it all wrong. Here are five classic Internet marketing mistakes that keep you from reaching your full potential: 5 Reasons Why You Do Internet Marketing All Wrong
Mistake # 1: Failed to capture leads every day

Too many internet marketers think in terms of harvest. This assumes that it takes several days, weeks or even months before you see any real prospects. But if you market a product or service, you do not have time to wait for weeks or months. You need to lead on a DAILY basis.

Mistake # 2: Assuming that all leads are equal

Yes, Internet marketing is a number game – the more prospects you have, the better your chances of getting sales at the end. But that does not mean that all leads are the same. There are qualified leads, which means there is a higher possibility that they will actually convert. And then there’s the HOT lead, which leads almost guaranteed to convert. Guess who leads the best?

Mistake # 3: Underestimating the power of email

Most people consider email only as a communication tool. In fact, email is a STRONG SALES TOOL. Once you have emails from customers, you have the ability to guide prospects through a decision to purchase your product or service. At best, email is basically free. Why waste your marketing money when you can use email?

Mistake # 4: Ignoring the sales channel

FUNNEL SALES describes the entire process that begins when a customer first hears about your product and ends when he finally purchases the product. You can imagine a sales funnel as a giant reversed triangle. Many pointers lead to the top of the funnel, but only a small amount of lead comes out in the end. Marketers have so many tools they have – including EMAIL – to guide prospects through this funnel, so why not take advantage of it?

Mistake # 5: Be careful with poor conversion rates

Are you satisfied with a baseball bat that only gets 1-2% of the blow? A basketball player who only equaled 1-2% of his shot? Why, then, many internet marketers are satisfied with a 1-2% conversion rate? The interest rate is quite simple, so ridiculous. It means you need 100 prospects to make a single sale! This is why you need a marketing solution that effectively markets to prospects and HAVE YOUR CONVERSION PRICE.

Now, you might think: Is there a system type to capture hot prospects, market them effectively using email funnels, and get good conversion results? The answer is yes. For a limited time only, you can get exclusive access to LEAD LIGHTNING FUNNEL, an exclusive marketing solution developed by some of the best online marketers to get real results. 5 Reasons Why You Do Internet Marketing All Wrong

4 Reasons You Need Commerical Air Duct Cleaning

4 Reasons You Need Commerical Air Duct Cleaning

Any house that has a central HVAC system is going to have ducts. These ducts circulate not just the air, but lots of other harmful particles through the house. These are four reasons why investing in commercial air duct cleaning in Norcross can keep the air from becoming unhealthy.

Unhealthy Air 4 Reasons You Need Commerical Air Duct Cleaning

While the dust may be a nuisance, there are other things floating in the air like bacteria, allergens, and any plant pollen that sneaks in. As the air moves around, it drops all these particles in each room, infecting everyone in the house. And, the ducts are ideal for the bacteria or viruses to sit dormant. Continued exposure to the allergens can intensify the reaction, sometimes requiring hospitalization.

The Dreaded Mold 4 Reasons You Need Commerical Air Duct Cleaning

Mold is oftentimes the number one contaminant that causes the most problems. Most American homes have the HVAC system in the basement, the same basement that is ideal for breeding mold. Mold spores are constantly floating around looking for the right place to settle. Mold can cause serious health problems including severe lung issues.

Save Some Energy

As all of this stuff builds up in the ducts, it can make it harder to circulate the air. The ducts may never close entirely but any obstructions will hold up the air flow. There may even be toys or, heaven forbid, rodents or other pests in the ducts that are blocking the airflow. When the fan and the other HVAC systems have to work harder to circulate the air, they use more energy, driving up costs.

There is a lot that can be accomplished with commerical air duct cleaning in Norcross. It can save money on the utility bills. But, more importantly, it can protect everyone’s health.