Das Feller-Forum » er you can apply for a grou

There are many birdwatchers in the UK and the country is a great place to see a range of featured creatures. However Jacob Markstrom Jersey Authentic , one group of twitchers recently got more than they bargained for when they took their binoculars to a headland near Redcar in Cleveland.


According to reports in the Daily Mail, the birdwatchers had travelled to the spot after receiving word that a Hume’s Leaf Warbler had been seen there. These creatures are very rare in the UK, so they tend to cause a stir among those with bird watching binoculars.


As well as seeing the exotic animal, they also caught sight of a glamour modelling shoot that was taking place. Two scantily clad models were being photographed on a motorbike.


However, the warbler was not deterred by all the activity and it stayed around after the models Brandon Sutter Jersey Authentic , along with their minder, had left the area.


One man who had made the trip to Redcar to see the Hume’s Leaf Warbler remarked: “Bird-watching is full of surprises.“


This was not the only sighting of the warblers in recent times. A group of enthusiasts along with their binoculars saw three of the animals in Lowestoft, the Norfolk Eastern Daily Press reported.


It is thought that the feathered creatures had been blown off course while attempting their migration from Mongolia and north eastern Afghanistan to their winter home in India and the foothills of the Himalayas.


A spectacular image of one of the birds was taken by birdwatcher Robert Wincup.


It is common for groups of birdwatchers to congregate en masse when reports of sightings of unusual birds come in. Indeed, in some cases people travel hundreds of miles in the hope of catching a glimpse of the animals through their bird watching binoculars.


Meanwhile, these days it is possible to buy superb quality viewing equipment of this kind at great value prices J.T. Miller Jersey Authentic , making the hobby accessible.


Health Insurance A Challenge For The Self Employed Business Articles | August 17, 2012

Purchasing health insurance can be a major obstacle to self employment. However the costs can be reduced and there are still options for those with pre-exisiting conditions.



Being self-employed takes determination, skill, self reliance and hard work. It also takes health insurance. For many looking to strike out on their own, the cost of obtaining insurance in the private market Christopher Tanev Jersey Authentic , if it can be had, is a major obstacle to deal with. Most entrepreneurs are busy struggling with the real challenges they face within their actual business. The time, and especially the money, spent on buying health insurance moves them away from what they need to be doing to succeed.


Rising Costs a Challenge


Most self employed people have left the security of a job for the excitement, fulfillment and hopefully the profit of a business of their own. However a large part of the security they left behind is in an employer sponsored group health care plan. Many employees do not realize the high costs their employers pay to provide them with health care. Health insurance costs have skyrocketed. The average cost of medical care and insurance for a family in the U.S. is approaching $20 Oscar Fantenberg Jersey Authentic ,000 a year. While employees are shouldering more of this cost, few see the grand total. The cost of insurance can be shocking to those looking to work for themselves.


For those just starting a business, the costs can be a major challenge. Most entrepreneurs struggle just to pay their most basic bills when first getting started, and large health insurance premiums may tragically persuade people to give up their dreams of self employment. This doesn't always have to be the case. There are ways to reduce the cost of health insurance for the self employed.


Use Tax Deductions


When looking at your premiums, keep in mind that they are tax deductible Bo Horvat Jersey Authentic , so long as you don't have access to a group plan through an employer or spouse's employer. This tax break can significantly reduce your real cost of insurance. If paired with a Health Savings Account, nearly all of your medical costs and health insurance premiums can be written off your taxes.


If premiums still appear to be too high, consider purchasing a plan with a higher health insurance deductible.? You will have to make higher payments if you actually use medical care, but the cost savings from the lower premiums will help offset it. And if you don't use any medical care, you will have more cash flow to put towards your business.


Dealing With Pre-existing Conditions


Making a health care plan more affordable Brock Boeser Jersey Authentic , however, is only one part of the puzzle. For many people with pre-existing conditions, it can be difficult to get self employed insurance whatsoever. This problem will be solved in 2014 when the Affordable Care Act requires all health insurance providers to disregard pre-existing conditions when accepting policies. But until then, there are still other options.


You may be eligible to continue under your previous employer's group plan under COBRA. COBRA is a temporary solution as in most cases it lasts for 18 months. It can also be very expensive as well since the employer is no longer making contributions.


Check to see if your state allows one man groups. In some states, a self employed individual can purchase a group plan Henrik Sedin Jersey Authentic , like large business have, even though they are the sole employee. In such cases, pre-existing conditions are not taken into account. However, in most states, the requirement for a group plan is 2 employees. If your business plan calls for adding employees Daniel Sedin Jersey Authentic , the sooner you do so, the sooner you can apply for a group plan.


If your state does not offer groups of one, and you don't expect to have an employee anytime soon, check to see if you are eligible for your state's high risk pool. High risk pools w. Cheap Jerseys From China Cheap Authentic Jerseys [url=http://www.cheapnbasportsjerseys.us.com/]Cheap Jerseys Wholesale