Famous Art Galleries
Art galleries are the perfect settings for exhibiting art, generally visual art such as paintings, sculptures, and photography. Basically, art galleries feature a variety of art styles including contemporary and traditional fine art, glass art, art prints, and animation art. Art galleries are dedicated to the promotion of emerging artists. These galleries provide a platform for them to display their works along with the works of nationally and internationally renowned artists.The U.S. has a wealth of famous art galleries. Many small towns in the U.S. boast of an art gallery. The High Museum of Art, Alleged Gallery, Henry Art Gallery, National Gallery of Art, Washington Gallery of Modern Art, Agora Gallery, Rosalux Gallery, National Portrait Gallery, The Alaska House Gallery, and Anchorage Museum of History and Art are some of the famous art galleries in the United States. Today, there are online art galleries exhibiting original artwork.Many famous art galleries display regional pieces of art such as African art, American art, Indian art, and European art, along with folk art, modern and contemporary art, and photography. These galleries collect, exhibit, and preserve the works of art for the coming generations. Many famous art galleries strive to entertain and educate their regional, national, and international audiences. Some famous art galleries specialize in particular areas such as portraits. A good number of famous art galleries are owned and operated by government.Most famous art galleries provide an opportunity for visitors to purchase outstanding artwork. Also, they organize several art-related activities such as music concerts and poetry readings for children and adults. Art galleries organize seminars and workshops conducted by renowned artists. Committed to excellence in both art and service, most famous art galleries offer you a rich, unforgettable experience.
Who Needs Health Savings Accounts And Health Reimbursement Arrangements?
Employers and the self-employed are using two main strategies to keep the cost of health insurance low and to reduce their taxes. Known as an HSA, a Health Savings Account can make most health care expenses tax deductible, and provide tax-deferred earnings. Individuals and business owners can start an HSA once they purchase a health plan that’s certified to be HSA compatible. These plans are available in the individual market for much lower premiums than plans in the group coverage market.Can Health Savings Accounts Be Combined With A HRA?Employers and people who are self-employed if the spouse works in the business may add a Health Reimbursement Arrangement to substantially increase the tax savings available with an HSA alone.To put it simply, a Health Reimbursement Arrangement (HRA) is an employer-funded medical reimbursement plan for employees. Someone who is self-employed cannot have an HRA in his or her name, but can reimburse the spouse, who works in the business as a W-2 employee, through an HRA. All of the family’s qualified health care and insurance expenses can be reimbursed, and that includes the expenses of the self-employed business owner by virtue of being a member of the HRA-covered family.The big rush to get HRAs in place by Dec. 31 resulted because the cost of health insurance premiums could then be reimbursed for the whole year back to January 2011. Reimbursement for other kinds of health care is not retroactive, though. Those who start a HRA in January 2012 can reimburse their employees for health care, including premiums.Since group coverage has become an expensive option for both employers and employees, HRAs present a less expensive choice that can help both parties save on health care costs. Compared to group plan rates, policies in the individual market can save employers up to 50 percent. Certain of these plans, known as Health Savings Accounts, This makes if feasible for more employers to provide health care coverage to more employees. By setting up a HRA, employers can legitimately reimburse their employees for individual health insurance premiums and other health care costs.How Do Health Reimbursement Arrangements Work?On a regular basis, an employer contributes a pre-determined amount to an account on an employee’s behalf. The employee can submit a reimbursement request for qualified medical expenses, and such reimbursements are not taxed.What’s Required To Start A HRA?The primary requirement is that the plan must be funded solely by the employer. It cannot be funded by salary reduction. In addition, the plan may only provide benefits for substantiated medical expenses.HRAs may be designed in many fashions to suit the specific needs of employer and employees alike. It is one of the most flexible types of employee benefits plans, making it very attractive to most employers.How Do Employers Benefit From A HRA?HRAs are most commonly offered in conjunction with a high-deductible health plan. As a rule, these plans keep premium costs low, so employers can use the savings to fund the HRA. All employer HRA contributions are tax deductible for the employer, and tax-free for the employee.Employers may establish when HRA funds may be used. This can range from comprehensively covering all health care to a limited plan for emergency room expenses only. Because they are so flexible, HRA plans enable employers to control costs of providing healthcare benefits while providing a valuable employee benefit.With an HRA, employee healthcare expenditures are visible and clear to employer and employee alike, thereby fostering a greater understanding of the costs of health care. In addition, employees who can monitor and control their health care costs become smarter health care consumers.Studies show that only 20 to 50 percent of employees actually use their health care coverage, meaning employers often pay health insurance premiums for employees who are not utilizing the coverage. A HRA allows employers to determine the best type of coverage for their employees based on the demographics of their employee group.HRA plans may also cover retired employees (and their spouses and tax dependents). Employers may wish to consider a HRA as an alternative to more expensive traditional retiree health care options.Employee benefits, like a HRA, enable employers to recruit and retain quality employees. With a HRA in place, the employer is perceived in a positive light by current and prospective employees because a benefits package is being provided with their interest in mind.
Feng Shui Tips for House Hunters
The Neighborhood-Avoid a house that is very close to:- A FreewayThe noise, pollution, and rapid movement of cars and trucks whizzing by is not conducive to a tranquil home life. Since the outside stimulates the inside, if you live in a house with Feng Shui problems, living near a freeway can make things worse. How close is too close? There is not an exact formula for this; however, if you live within a few blocks of the freeway and can hear it constantly, this is a bad sign.- A CemeteryEnergies related to death, disease and decay are not the type of energies you want to live near. The frequent question is: How close is too close to a cemetery? There is not set number of feet or miles. But if you can see the cemetery from any window in the house, then the property is too close to it. Many sad people will visit the grave sites; it is just too somber, especially the actual funeral processions which occasionally take place. There is always an unconscious reminder of death when you live near a cemetery. As well, ghosts and spirits can enter your home when you live too close to a cemetery. The subject of ghosts or spirits could be a whole separate book and some people simply do not believe that these disembodied souls exist. But chances are, if you are reading about Feng Shui, you are probably receptive to the concept that a parallel universe exists right among us and that the phenomenon of ghosts is possible. Below is a picture of a cemetery right near a residential area.- A Place of WorshipPeople think it is “holy” or somehow very spiritual to live near a church or temple. The religious activities that take place at a house of worship are mixed. Sometimes there are celebrations, like weddings. Sometimes there are sad events like funerals. Like the cemetery, disembodied spirits clamor around the church or temple and it is not good to live within a couple blocks of a church or temple. It is not as bad as a cemetery, but it is still too “yin” of an environment. It can be draining on a level that most people are not even aware of.- A HospitalLike a church or temple, happy events can take place at a hospital, such as a birth of a baby or a recovery from illness. But most of the time people go to a hospital when they are sick or dying. This energy can drag down the qi of a whole area. There is also the subtle visual impact of being near a place where there is sickness and death, anxiety coming and going.Finally, the sounds that come to and from a hospital, the sirens of ambulances, is not something you want to hear regularly in your home.- A Fire StationWhile your house may be conveniently safe from ever burning to the ground if you are next door to a fire station, the sirens that go out on a regular basis can be unnerving to hear. There can be a type of psychic tension around these buildings which are always responding to emergencies.- A Police DepartmentThe Police deal with emergencies and criminals and sometimes these tension-filled and potentially dangerous situations are brought right to the police station. Some police stations even house criminals before they are transferred to more permanent holding stations. The negative energy of an individual is usually not that powerful to disturb the psyches of those who live in the area. But sometimes the criminals do have powerfully negative vibrations. Again, just hearing police sirens may be as unnerving as ambulances or fire trucks.- A Liquor StoreMany reputable people own and operate liquor and convenience stores. But the customers who frequent these establishments have a higher chance of being people who are addicted to alcohol. People who are addicted to alcohol can include those who loiter, pander, and they can be psychically weak people. They are vulnerable to having parasitic negative spirits attached to their own auras since addictions make people weaker in general. You do not want to live really close (within a few blocks) of a place which attracts people who have these breaks in their auras.By having compromised auras, they may have boundary issues that could affect a neighborhood. Just as one example, I have had clients who lived near Liquor stores and they had to deal with inebriated people who urinated on their properties. In the following photo, the house is just steps away from the Liquor Store as well as being on a busy, noisy street.- A Strip ClubThe vibration of a strip club, where women are objectified and not treated with respect, and where there is a higher potential for prostitution can also drag down the energy of the whole neighborhood.This can also invite a higher chance of drug dealing and other illegal activities.- A PrisonNot too many prisons are plopped in the middle of residential areas. But it is just something to be aware of. You don’t want to live in an area where there are criminals all housed in a concentrated area, with the small chance of being able to escape. Just the visual alone, of driving by a prison, can be disheartening. When it comes to crime, you can look up on the Internet whether or not there are any registered sex offenders living in the area you plan to move to. And you can always get a crime report from the local police department.- Any nearby property that makes a lot of noise like an auto-repair shopA good house hunting tip is to visit a property at several different times a day to see if there are going to be regular objectionable noises coming from a nearby business at any time of day or night.People often say that they have “tuned out” these noises after living with them fora while, but they still register with the subconscious and can be a cause of irritation and sleep problems.These are just a few examples of bad exterior environments. There aren’t cures for everything; some things just need to be avoided.