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Employee health insurance is a great option for most workers. The company does all of the research, chooses the insurance company and chooses plan options for all of the employees. Also known as group coverage or group health insurance, employee health insurance or employer-based group health insurance is a wonderful option. But what exactly is employee health insurance Asheville NC?

What is employee health insurance?

Also known as employer-sponsored health insurance, employee health insurance is a health policy chosen and purchased by an employer and provided to eligible employees and the employees’ dependents. Employee health insurance plans are also called group plans, and the employer will typically share the cost of the premium with the employees.

Benefits of an employee health insurance plan

There are a number of advantages to an employee health insurance plan for both employers and employees, including:

  • The employer splits the cost of premiums with the employees. Neither the employer nor the employees must shoulder the burden of paying the entire cost of the premiums. Instead, they split or share the cost, making for happier employers and employees and a more productive workplace.
  • The employer does all of the work of choosing the employee health insurance plan options. The employer chooses the plan options, which makes for happier and healthier employees. When employees have employer-sponsored health insurance coverage, they are more likely to be healthy and miss less work, which makes the business more productive. It’s a win win.
  • Premium contributions are not subject to federal taxes. Another great benefit of employee health insurance plans is that premium contributions from the employer are not subject to federal taxes. Also, employee contributions can be made pre-tax, which decreases employees’ taxable income.

If you are interested in employee health insurance in Asheville, NC, look no further than Integrative Family Medicine of Asheville!

Filmmaking is not a new art form, it is still evolving in many respects. There are so many factors involved in producing high-quality films these days that it may seem just about impossible to use the right technology to get the right look at times. That’s why filmmakers rely upon the expertise of other artisans and technicians who have the skills and resources needed to put important finishing touches on a film. While you did a great job organizing the cast and finding the shooting locations for your film, it may not be completely finished until the picture has been properly edited and the sound mixed.

Proper editing in modern times is much more than simply cutting out unusable content. In fact, it now extends to digitally editing images to better suit the original intentions of the filmmaker. Thus, if you recently shot a scene at sunset hoping to catch those last rays of sunshine, but just missed the mark, you can use a digital effects editor to alter the content of your video and make it better reflect you’re the film makers vision.

Of course, there are a number of additional ways in which these professionals can refine your productions too. For instance, professional-quality filmmakers know that a copy-protected Blu ray provides for one of the best ways to present and protect their creative interests. They also understand the importance of highly customized menu navigation when producing professional-quality Blu ray projects. Thus, whether you need to create a copy-protected Blu ray, or add some finishing touches to make your audio more true to life, then you will certainly want to check out Chromavision today by visiting them online.

Solar loans are valuable financing options to maximize the savings of acquiring a solar energy system. As with any loan, you need to analyze the number of repayments, including the cost-savings from going solar. Most often, the repayments can be much lower than the financial gains of embracing the solar lifestyle. That said, let’s discuss the solar loans available in Connecticut.

Smart-E Loans

The expenses that occur during home improvements, including acquiring solar PV systems, can be reduced through Smart-E loans. This financing option provides 4.49% to 6.99% interest rates for up to $40,000 loans.

You can still benefit from non-listed work as long as it’s directly associated with installing the listed project. For example, if roof repair and tree removal are necessary for solar installation, these can be capped at 25% of the total amount.

Here are the loan terms and Annual Percentage Rates (APR) or interests to familiarize you with their offering.

Loan Term

  • 5 years
  • 7 years
  • 10 years
  • 12 years


  • 4.49%
  • 4.99%
  • 5.99%
  • 6.99%

*The minimum loan size is $5,000.

Eligibility Requirements

To qualify, applicants must occupy a single 2-4 unit in Connecticut with at least a 580 credit score. Those who intend to borrow up to $25,000 must at least have a credit score of at least 640. It is integral to have the project schedule before receiving the loan documents from C4C. Otherwise, those home improvement projects underway or completed cannot be eligible for this loan.

Eligible Home Improvement Projects

Home maintenance and home improvement projects eligible for Smart-E loans include:

  • Attic, wall, or floor insulation
  • Duct sealing
  • Air sealing
  • Window replacement
  • Air source/ground source heat pump
  • Central air conditioning
  • Ductless mini-split heat pump
  • High-efficiency furnace / boiler
  • Natural gas fuel conversion
  • Heat pump water heater
  • Indirect water heater (natural gas only)
  • On-demand tankless water heater (Natural gas/Propane only)
  • Solar PV system
  • A solar hot water system
  • Electric vehicle recharging station
  • Natural gas vehicle refueling station

Energy Conservation Loan

The Energy Conservation Loan (ECL) Program lends up to $25,000 to eligible applicants. These are for “emergency efficiency improvements” that you can pay for up to 10 years.

Eligibility Requirements

ECL can accommodate income-qualified consumers for cost-saving, energy-efficient home improvements. Low- and moderate-income families of 1-4 units can use $400 to $25,000 with low-interest rates. Payment structures can last for up to 10 years. You can also get as low as 0% interest rates for high-efficiency boilers and furnace projects.

Eligible Emergency Efficiency Improvements

The emergency status must be declared by a professional contractor to be eligible for this loan. Only the participating C4C contractors can facilitate efficiency improvements.

Here are the qualified emergency efficiency improvements applicable to this loan.

  • Replacement of the faulty heating system: interest rates can go as low as 0%. This option is for furnaces and boilers that have below 84% efficiency rating for oil or propane. Ratings are according to ENERGY STAR® standards.
  • Replacement of leaking roofs: to make way to install solar panels, all rooftops must be sealed.

You cannot be eligible for this loan if you already qualified for other loan programs like the Smart-E loan. Therefore, it would be better to apply for other loans before considering ECL. However, you can use the ECL loan first to finance emergency efficiency improvements in your home to lower the overall electricity use of your home. After completing these projects, you can then utilize a Smart-E loan to finance your solar system.

For more information, please go to Green Power Energy.

Simply, the working logic behind scientific X-ray tubes is easily understood. These devices are vacuum tubes where managing electricity between electrodes occurs in a sealed space that contains no air. When producing an X-ray, in that space, apply voltage to the cathode. This charging emits electrons. Electrons are then attracted to the anode. What creates x-rays is the process of electron destabilization as the electrons approach the anode. When escaping from the tube, X-rays become a form of radiation that penetrates subjects leaving an echo or faint image of opaque objects. Radiography is the process.

Other components of the scientific X-ray tubes include an envelope, housing, and window. Sourced from materials that can withstand a significant amount of heat, the envelope stabilizes vacuum integrity disturbed by a maintained charge in the vacuum. This envelope is airtight to prevent an unstable charge or unregulated discharge. The housing around the envelope protects against exposure and needless contact with radiation. The window consists of a substance that can maintain the capture of x-rays, guarantee stability and security of the tube.

Bridging the Future

Riding the cutting edge for disciplines like the medical, forensic, and anthropological sciences take an experienced maverick to buck bed-rocking a business on tradition. When you want the best product for the job, spend money on parts and warranties. When you need tools to fill a niche, look to an industry craftsperson. Find experts who know how to create in a competitive market. Visit Micro X-ray Inc.

Trees are beautiful things to look at. They provide shade and clean air. They can also prevent soil erosion. A tree can give homes to many types of animals. It is important to keep your trees strong and healthy. Tree Service in Denver CO can assist in this.

Proper care for your trees can let them grow strong. It is important to know how to give proper care. If unskilled, it may be a good idea to contact a company that provides tree services. Tree Service in Denver CO can include many different types of service. All services rendered are by professionals skilled in tree care.

Tree Service in Denver CO includes pruning of your trees. This is an important part of keeping a tree healthy and stable. From the moment your tree begins to grow, proper pruning should be considered. A tree service can assist with the proper procedures to prune a tree. At a young age, a tree can be pruned and clipped in a manner to help it grow long and strong. As a tree grows, the branches may spread out or grow into power lines. These branches must be removed. This should be done by someone who is skilled in proper cutting. This can prevent unnecessary damage to your tree.

Tree Service in Denver CO can also include tree preservation. This is special care done for damaged trees. Sometimes high winds or lightning can damage the trees ability to stand tall. Tree bracing can help give a tree added stability until it can grow stronger. There are also options to prevent lightning from striking and killing a tree. Root excavation can be a beneficial option for tree health. It can help restore health and proper soil to the root system of the tree. Many companies can provide regular check ups after preservation services. This ensures your tree is growing strong.

Tree Service in Denver CO can also include proper tree removal. If a tree is diseased or damaged beyond repair, tree removal is your only option. A service can remove all parts of the tree, including the stump. They can also assist in preparing the soil for a new tree.

These services are very beneficial to having and maintaining healthy trees. The proper care for your trees can keep them healthy and strong for many, many years.

If you’re researching areas where you can invest your capital for the future, you may want to work with a precious metals IRA custodian. They can help you diversify your retirement account by utilizing precious metals, such as silver and gold. Opening this type of account is typically easy to do and can help diversify your wealth.

Opening a Gold IRA

Opening a gold IRA requires you to work with a precious metals IRA custodian. Whether you’re rolling over an existing retirement fund or starting from scratch, this type of IRA gives you the ability to invest in physical gold coins or bars. A custodian can help you open the account and accept the contributions that are allowed. They can also help answer questions about this investment to clarify the types of coins you can utilize.

Diversifying to Safeguard Your Wealth

Getting assistance from a precious metals IRA custodian allows you to diversify your wealth and safeguard it from extreme volatility in the stock market. You can place physical gold, silver, and platinum in your account, which should act as a hedge when the stock market or economy is performing poorly.

Provides Value

Hard assets, like gold and silver, have provided value for thousands of years and are often considered “real money” and a way to preserve wealth. Fiat currency can be printed freely by central banks around the world. Investing your hard-earned funds in a tangible asset should help your portfolio withstand all types of economic conditions and offer you peace of mind.

Cost efficiency is very important for any business owners. The more money an organization can save, the more money they have to invest in themselves. Back office outsourcing is making it possible for more businesses to increase profit and save money.

Back office outsourcing allows organizations to take fixed costs and turn these into variable costs. As a result, capital can be released and invested in other aspects of the business. Large expenditures can be avoided from the get-go. Investors are more attracted to businesses that outsource. This is because businesses that outsource typically have more capital that can be put into revenue-producing activities.

Outsourcing reduces labor costs. One of the most expensive things organizations do is hire new employees. Hiring an employee to do a short-term project can be cost counterproductive. However, outsourcing the project allows an organization to eliminate the expensive training and focus their capital where it is going to do them the best. It also allows an organization to only take on people it actually needs to complete a job.

Outsourcing makes it possible for organizations to start projects quickly. When a project is handled in-house, it could take months to find the right people, train them, and then create the infrastructure they need. With outsourcing, none of that is an issue. All that needs to be done is to send the project to the outsourcing company. They will use their people, their resources, and their infrastructure to get the job done right.

A restaurant owner can turn to stainless steel fabrication in order to get a great countertop for their establishment. A countertop in a restaurant has to deal with a lot being done on it. It should be made of a material that is reliable and can handle the stress. Steel countertops have many advantages over other types of counters.

Amazing Durability

When it comes to durability, a stainless steel countertop just can’t be beat. Hot pots and pans can be placed directly on a stainless steel counter’s surface without doing any damage. Liquids can be spilled on the counter and stains won’t be a problem. Water can’t cause any damage to stainless steel. The surface can be hit hard and will withstand the impact.

Food Safety

Getting a countertop made with the process of Stainless Steel Fabrication is one of the best ways to help with food safety. Stainless steel isn’t a porous material. As such, liquids and food particles aren’t going to be absorbed by a steel counter. That means that it’s easier to prevent contamination by food items that were previously on the counter. Harsh cleaning products don’t have to be used. Mild cleaning agents can be used to keep the countertop clean.

More Advantages

There are other benefits to consider. Workers will prefer stainless steel countertops because maintenance isn’t too hard to do. That means less work for employees in the kitchen and they can concentrate on other tasks. Any restaurant owner who is concerned about the environment will be pleased to know that stainless steel countertops are 100 percent recyclable.

Investing in a countertop that is extremely durable and can last is just a smart business decision. A restaurant owner doesn’t have to by just any countertop. They can work with a steel fabricator like Vista Manufacturing Company and have one that is made to fit their specific needs. A consultation doesn’t take that long.

Water inflatables have come a long way from those of old. No longer are they simple recliners that you just throw out onto the water only to find yourself halfway submerged into the water. Today, inflatable water toys are almost standalone watercraft which are capable of being used in a diverse number of ways.

Today’s water toys range from simple one-seaters to vast structures which are capable of holding up to 12 people at a time. They also come with a number of advanced features that will greatly enhance the quality of your life while out on the water. For instance, how does a two-seater watercraft that comes complete with cupholders sound? Or how about a 12 person raft that has structures attached to it that are so large they can protect you from the sun? These are just some of the options that are now being included with today’s water inflatables.

What really sets today’s water toys apart from those of yesteryears are the advanced capabilities they now come with. There are now large floating mats available which can be connected together to form vast water structures. There are even some water toys that come with slides built right into their structures to provide you with further fun. And if that’s not enough, there’s now even one toy which has a trampoline built right into it. Thus, you can attach multiple platforms and place them alongside a water trampoline to provide your whole family with endless amounts of fun. To learn more about the immense variety of options that are now available, be sure to check out WOW Watersports.

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You have a few minutes before you have to start the day. You know it is going to be a long day, one that is going to wear you out before you get through it. Why not start the day with something a bit more interesting and even something funny? It may help to bring a smile to your face now that carries you through the day. Look for a cartoon from Time Off, for example.

Why Choose a Cartoon?

Even if you did not watch a lot of cartoon shows or movies when you are younger, you probably know a few key characters. There are those from your childhood and those you watched much larger with a bit more advanced humor. In all situations, you know these bring a smile to your face every time you watch them. They do that for other people, too. That is why you should find your favorite cartoon memes and videos on tymoff and share them with others.

A cartoon from Time Off is something that gets other people’s attention. People like the humor and the lightheartedness that comes from cartoons. They also love that most people can relate to them easily. Look at things that bring back the joy of your childhood or even from the current time, share your feelings and what brings you joy as a way to lighten up another person’s day. That is why they are sure to really love what you are sharing.

Take a look at a cartoon or two on social media today. Are they bringing a smile to your face? Perhaps you remember a few favorite characters you want to share yourself. Make someone happy by sharing something that is fun and interesting that you found on TimeOff. See how they can meet your needs .