Monthly Archives: January 2018

What Happens with Spousal Health Insurance After Divorce?

Health Insurance ApplicationYou can learn online how to get a divorce in Utah, and you could find a legal practice that can help you through the process. With all the procedures, documents, and tasks that need to be done in a divorce, Kelly & Bramwell, P.C. noted that you might forget the small details. Child custody and asset division may be important in a divorce, but the management of your health insurance coverage matters too.

Divorce Ends Health Insurance Too

In a divorce, you may think that you can continue to rely on a spousal health insurance coverage that you have through your spouse’s employer. Unfortunately, you lose that coverage once you finalize your divorce. Post-divorce, you will have to apply for coverage for yourself, and that can be quite a hassle if you fail to deal with it early in the divorce proceedings.

Option 1: Extend the Coverage

To extend your insurance coverage, you can appeal to a federal law called Consolidated Omnibus Budget Reconciliation Act (COBRA). Under this law, you can qualify for continued coverage through your spouse’s employer if the company has 20 or more employees. You can give the health plan administrator notice within 60 days post-divorce to avail of COBRA coverage.

Downsides of COBRA

Now, for some people, COBRA coverage can be expensive. Under it, you shoulder the entire premium because your spouse’s employer is not required to subsidize the costs. In fact, you may even be charged an extra 2% for administrative costs. At the same time, COBRA coverage only lasts for 36 months.

Option 2: Get Your Own Insurance

An alternative to COBRA coverage lies in the health insurance provided by your employer. You can look if the provision will only cost little or nothing. If it is, then you’re better off with your employer’s coverage plan. For self-employed individuals, private insurance can also be viable choices that have lesser costs with lengthier coverage than the COBRA option.

Your marriage may end soon, but your health insurance can still stay as long as you replace your current policy with a new one.

 

Improve Your Property’s Appeal

Big luxury, modern house at duskHaving a lovely home can make a person happy and content. It also adds value to your property, but no matter how beautiful your home, your lawn and the immediate area around your house is a factor in enhancing your kerb appeal. If you feel that your house could do with a few enhancements, you should use these ideas to improve its appearance.

Improve Your Kerb Appeal

If you have a driveway, you can improve the kerbing detail of your property in Auckland, New Zealand. You could also ask your landscape designer to add edging to your entrance path. Upgrade the kerbs near your house and repair chipped or damaged areas.

Your Lawn and Doorway

Your lawn and doorway are the first places that people see. If your doorway looks shabby, you could repaint it to make it look new. You could also replace the door knobs and locks to upgrade your security system.

You can place potted plants on your lawn, so your pathway or driveway could be more appealing. You could also place shrubbery and small trees to improve your lawn’s appearance. However, you need to make sure that you could manage the greenery so your home won’t be overrun with plants. If you have a larger area, hire a landscape designer to help plan out your lawn’s appearance.

Light It Up

If your home is dim at night, you can add light fixtures in some chosen areas to enhance your home’s appearance. Look for different outdoor lighting lamps to suit your home. You can choose a wall or ceiling lamp, or you could even buy a small lamp post for your home.

Designing your home is only one way to improve its appearance. But if you are on a tight budget, you can do these simple things to enhance its appeal without spending too much.

EPA Removes Alabama Site from Superfund National Priorities List

A polluted environmentThe Perdido Groundwater Contamination Site in Alabama no longer exists in the Environmental Protection Agency’s (EPA) list of the most polluted places in the US.

The EPA decided to remove the site from its Superfund National Priorities List, after announcing that there is no need for further clean-up efforts.

Crisis Management

Training for hazmat response in Utah formed part of broader contingency efforts by local law enforcement, EMS, and hospital systems. The drills aim to determine the capability of the state to handle risks from natural disasters or human-made hazards.

The mass-casualty training drill took place in Salt Lake City. Jason Nicholl of the South Salt Lake Fire Department said that the drill has been on the drawing board for at least six months. Aside from a hazmat situation, it took into account other factors such as a bombing situation or a shooting incident.

Chemical-Free

The site had been on the list since 1983 due to a chemical spill caused by a train accident, which led to groundwater contamination. The accident occurred in May 1965, when around 7,600 gallons of benzene leaked from one of the rail cars. It was only until 1981 that residents noticed a different taste and smell to their potable water, which explained the gap in declaring the site as a polluted area.

In the last five years, the EPA’s progress reports show that groundwater at the site contains benzene less than five micrograms per liter of water. This proved enough to remove the site from the Superfund list. Meanwhile, other states are preparing how to respond in the event of biohazard threats or natural disasters.

The public and private sectors in Alabama, Utah or any other state should have a clear understanding of the risks of a hazmat situation. What is your state’s contingency plan for a chemical spill?

Protecting Vulnerable Parts of Your Building

People walking around office buildingNo matter how updated your security system is, some areas are considered weak spots. They are potential entry and exit points for burglars, which means a commercial building should pay special attention to them.

Because there are so many things in the office that could be targeted by burglars, you should reinforce these areas:

Garage

The garage holds your company vehicles–and everything you’ve left inside the cars. Moreover, it can be a potential entry point into the main building. You need commercial garage door services from professionals in Salt Lake City like Price’s Guaranteed Doors to inspect it for any signs of problems, which burglars may exploit to gain entry. Here’s another reason to have the garage doors inspected regularly: when they are damaged, they might cause accidents, which may cost money and lives.

Doors

Companies usually position security cameras near entryways such as doors, but make sure you are positioning the cameras in the right direction. Check that the direction of the door opening will not hinder the camera’s view, as that defeats the purpose of the security tool in the first place. A person may hide behind a door, and your camera will not see their face, especially if it watches the door closely, not the area surrounding it.

Windows

Glass windows are sophisticated. They show a certain boldness because everyone knows that glass can be broken. Because of this, the glass you choose for your windows should be strong and can withstand a strong impact. This is for safety reasons as well, as glass shards may hurt people who happen to be nearby when they break. It would also be beneficial if you have window blinds in place, so people cannot easily look into your rooms. This is to prevent your building from being a target in the first place.

There are necessary precautions that improve the security of your commercial building. Each one of these is important, so don’t choose just one area to protect.

Child Custody: 4 Pitfalls You Should Avoid

parent holding hand of childFor most couples, the child custody case is the most critical part of their divorce. This is because they view children as the only good thing left from their split marriage. However, there are some mistakes you can do, and you’ll end up sabotaging your case.

Read on and discover some of the pitfalls you must avoid in your child custody case.

Not obeying a courts order

Most parents refuse to follow a court’s order because they think it is not right or it is unfair. Others give an excuse that they thought it was not in the best interest of their children. However, most family attorneys in Wellington will tell you that most judges do not take this lightly. They will take it as disrespect of the court as an institution, and that you undermine their authority and qualification.

So, no matter how it seems unfair to you, just make sure you obey the court’s order to avoid any further legal problems.

The silent treatment

You may be emotionally drained following a nasty break up. It is, therefore, understandable if you desire to keep it to yourself. However, you will still be required to keep your communication lines open with the other parent on matters regarding the children. Failure to update them on the children’s welfare, be it school, health, or routines, could hurt your case.

Remember that this is not just about you anymore; it is likewise about the children’s well-being.

Not keeping your cool

The split up can be so overwhelming and sometimes may push some buttons you never knew you had. But it is important that you remain composed and avoid any incidences that could be detrimental to your case. Being abusive verbally or physically to your ex-partner could cost you your custody case. Avoid any drugs and alcohol abuse, especially during your visitations, as this could cost you more than your custody rights.

Absconding your parental rights

Failure to exercise your parental rights shows lack of seriousness and commitment. If you have been granted some visitation rights, make sure you take full advantage. Spend quality time with your children. Do not be late for the visitations and do not keep procrastinating. Prove to the court that you are responsible and willing to do anything for your children’s welfare.

Knowing what to and what to avoid during your child custody case will go a long way in ensuring that you get a favourable result. By avoiding the above pitfalls, you will be setting yourself up for a successful custody case.

Risks Associated with Retaining Your Wisdom Teeth

A man with a tooth acheWisdom teeth are the final ones to erupt. These are the third molars on both sides of your upper and lower jaws. They typically develop between 18–25 years and are often problematic, says a dentist from West Jordan.

Wisdom teeth impaction is the most common problem associated with third molars. This refers to teeth that grow sideways, crooked or fail to erupt due to lack of space fully. Apart from impaction, wisdom teeth pose a significant risk of harmful effects to those who choose to keep them. Here are a few of these effects.

Occlusal and Orthodontic Issues

Wisdom teeth can cause unwanted teeth movement since its eruption occurs in adulthood. The existing teeth become crowded and at times twist and overlap. This typically warrants orthodontic treatment.

The movement can also affect your occlusion (bite). This, in turn, stresses your facial muscles and temporomandibular joint, leading to significant orofacial discomfort.

Compromised Oral Health

Harmful bacteria commonly collect on the surface of impacted teeth. This increases the susceptibility of the gums and surrounding teeth to infection. The bacteria can also enter your bloodstream and adversely affect your heart and other body organs.

Nerve Damage

Lower wisdom teeth are closer to the nerves. This affects the taste and feeling on your tongue. They are also close to the neurovascular bundle, which runs in your lower jaw. There is, therefore, a substantial risk of the lower wisdom teeth affecting your nerves and the neurovascular bundle.

Nerves close to your wisdom teeth can also be affected by the removal of wisdom teeth by unqualified personnel. It is hence wise to get your teeth removed by a qualified oral surgeon in a well-equipped clinic.

Most dentists will recommend wisdom tooth removal even if they are causing no problems. This is a preventive measure against possible issues. They are also easy to remove at a young age as their roots have not yet fully developed.

How to Prevent Accidents When Working With Chemicals

Scientist and chemicalsWorking in chemical factories, laboratories, and other related industries is just one of the most hazardous jobs there is. This is why you must strictly implement safety nets, precautions, and guidelines as suggested by the standard operating procedures and manuals.

From providing easy access to a chemical spill kit, and from having a fire extinguisher to installing the most sophisticated fire sprinkler systems, workers and the facility itself must have protection at all times.

Here are some suggestions you can implement that can help minimise exposure to harmful chemical exposures.

Strict Implementation of Guidelines

There are different ways of properly handling chemicals. As such, implementing guidelines and procedures on how to handle and dispose of chemicals properly must not only be part of the training, but you must post strategically charts within the premise.

A Clean Room is a Safe Room

Promoting cleanliness and orderliness can help prevent any unfortunate accidents. While keeping the floors clean and dry may look easy, it is actually one of the top causes of accidents, not to mention the loss of time and money.

An organised storage room not only promotes better business management; it also adds to preventing accidents. More importantly, you should strictly follow policy on installing standard exhaust system based on the type of chemicals stored.

Easy Access to Immediate Relief

Even if you are one of the most experienced on the job, better be prepared for any accidents. Having easy access to first aid and chemical spill kits is important to prevent further damage to one’s health if exposed to harmful chemical substances.

Take note that there is a specific neutralising agent and cleaning materials for a specific chemical so make sure to follow the instructions accordingly.

Acknowledging is one thing; knowing what to do is a totally different thing. So before assigning to any specific post inside the factory or a laboratory, it is best practice to have your employees undergo training regarding safety nets and precautions.

Turn Your Balcony into a Lovely Outdoor Space in 4 Easy Steps

View of balcony from street level

View of balcony from street levelTurning a balcony into a lovely outdoor space where you can spend time relaxing or enjoying the view may sound challenging but is actually easy to do. Here are some ideas to turn that outdoor space into a lovely outdoor haven.

Create a Corner Nook

Utilize a corner in the balcony by setting up a comfortable outdoor couch and a small side table. This area can be your reading nook. It also serves as a place where you can have coffee al fresco while enjoying the morning view or a cozy spot for some end of day drinks while enjoying the evening view.

Grow a Vertical Garden

You can have a garden even if you don’t have a lawn and even if you have limited balcony space. Vertical gardening is a great way to decorate and liven up a balcony. For easy maintenance, choose outdoor plants that thrive in a lot of sunlight and need little watering.

You can also plant perennial flowers in outdoor copper planters you can buy from firms such as Authentic Provence to add color to your garden. These flowers grow well in these planters and add a cheerful tone to your outdoor space.

Don’t Forget Your Flooring

Use wooden planks to elevate your nook area if you have enough space to do so or lay artificial grass carpeting to create a traditional landscaped look. Using faux grass carpets is a great way to get the full garden look sans mowing and watering. It softens the look of the space and is an excellent way to spruce up your flooring.

Brighten Up The Space

Add more lighting to illuminate your space at night. Outdoor table lamps and solar powered floor lamps are a great addition to your existing outdoor lighting. Use soft tone lights for a cozy and relaxing feel.

Get started

With a little creativity and help from these easy-to-follow design ideas, you can turn your balcony into a lovely outdoor space where you can relax and enjoy the outdoors any time of the day without having to leave your home.

5 Things to Know About Mold Testing

Mildewed walls with different sorts of moldThere’s a musty odor inside your home. You suffer from respiratory symptoms that seem to get worse when you’re at home. There may be mold in your home.

If you can’t see any mildew, you should consider having mold testing or sampling performed on your property. Here are some important things to know about mold testing:

Mold inspection should precede testing

It’s important to conduct mold inspection before turning to mold testing. If your mold inspector finds mold, then there’s no need for mold testing. Hightechcarpetcleaning.com recognizes the importance of hiring a mold removal service to get rid of the problem.

There are many reasons for mold testing

The reasons for mold testing include:

  • You have noticed signs of mold growth, but there is no visible mold
  • To check indoor air quality
  • To find hidden mold growth
  • To identify the species of mold present in your home
  • To check if your mold removal service removed all the mold in your home

You should hire a professional mold tester

Testing for mold should be left to the professionals. Hire a qualified mold expert who has a wealth of experience in collecting and analyzing mold samples, and interpreting results.

There are three primary types of mold tests

There are various ways to take and analyze air samples. The common types of mold tests include air testing, surface testing, and bulk testing. Each has its pros and cons. Your mold tester may use more than one type of test to determine the presence of mold on your property.

Multiple tests may be necessary

The number of mold spores in a building change over time and from location to location. To get a clearer picture of the mold problem, it’s necessary to test in different places and at different times.

A mold inspection can help expose a mold problem. If the inspection provided negative results, but you still think there is mold, testing can help clear your doubts. Mold testing can also help you measure indoor air quality and identify the species of mold in your home.

It’s Time to Have Fun! 3 Relaxing Ways to Spend Your Weekend

Woman exercising

Woman exercisingShow yourself some love and care. After a tiring and busy week in the office, you deserve a reward for all your hard work. If you are looking for ways to pamper yourself at least once every while, here are some suggestions you may try:

A salon day

Hours of typing and going to places are definitely tiring to your hands and feet. That is why your weekend is a perfect time to visit a salon such as Marilyn Monroe Spas to make yourself feel refreshed and look good. You may go for a manicure-pedicure service or if you want, go all the way and request for a full spa service. A day spent on salon is a great way to unwind and relieve your stress.

A long, warm bath

When was last time you enjoyed a warm and relaxing bath? It is said that taking a bath leisurely could instantly improve a person’s mood. Spend an ample time on your bath and feel the joy it brings. To make it even special, you may use essential oils like jasmine, eucalyptus, and chamomile.

Exercise

How have you been spending your days in the office? Have you always been sitting right in front of the monitor? If yes, then it is about time you consider the idea of exercising. You might not be aware of its benefits, but working out could do more than keeping you fit. It also pumps up your endorphins, which is the type of hormones responsible in making you happy and satisfied.

Do not tire out yourself too much and learn to get rid of all the stress you have accumulated due to your busy schedule. The secret to a healthy mind and body lay on how happy and satisfied you are. So take time to unwind and pamper yourself.