Small Business Health Insurance: Big Benefits for Small Companies

Although Canadians are covered for a substantial portion of their health care expenses by their provincial plans, certain areas of care lack coverage or have limited coverage. Group insurance acquired through an employer is a common method of obtaining coverage to fill those gaps. Small business health insurance is designed to provide group coverage for small companies, offering the same types of employee benefits as those presented to large companies.Who Qualifies for a Small Business Group Policy?Companies with two or more employees can usually qualify for a small business health insurance plan. However, each insurance company makes its own rules; some providers may necessitate 5 or more employees to qualify for group insurance, while others offer options for companies as small as two.There are also policies available for companies that consist solely of the business owner. Such plans allow individuals just starting out in business to obtain coverage for themselves and their dependents until the need to hire staff presents itself, at which time they can apply for a typical small business health insurance policy.It is irrelevant how long you have been in business or what sort of company you run; these factors have no impact on qualification, but they can however influence the rates. For example, a company engaged in potentially dangerous work might find that their rates are higher than a company who is not, due to the fact that the risks are higher.Can Full-Time and Part-Time Employees Receive Benefits?Who qualifies for benefits on the group plan is up to the business owner to decide. An employer can choose to offer the benefits solely to full-time employees, or include part-time employees and even contractors hired on a regular basis as well.Some employers offer certain benefits to part-time employees and a large range of benefits to full-time employees, while others adjust benefits based on an employee’s seniority in the company. An employer’s decisions regarding group insurance can be changed over time, allowing for adjustments to the staff and growth of the company. At some point in time, many change the policy to include coverage for part-time employees, or add different coverage options to accommodate individual needs.As health needs differ from one person to another, some companies allow their employees to select the type of coverage they want. For instance, a person wearing glasses might find vision care an important option, while a parent whose child will need braces might find dental care coverage a necessity.What Benefits Does Small Business Health Insurance Offer?A small business insurance policy for supplemental health coverage provides benefits to the business owner as well as for the employees. Under a group policy, you can have coverage for what would otherwise be out-of-pocket expenses in areas like dental care, vision care, prescription coverage and other areas including disability insurance, life insurance, alternative health care insurance and much more.Offering a benefits package is strong incentive for employees to stay with the company, lowering staff turnover and minimizing the costly and time consuming hiring process. It also attracts potential applicants as the company is viewed as one that values and rewards its employees.Small business owners get a tax deduction for premiums paid toward a group health insurance plan. From an employer’s financial standpoint, that aspect is appealing.What Insurance Companies Offer Small Business Health Coverage?There are many insurance providers that offer small business health policies to Canadian companies. You can buy a group plan from the same big name insurers that offer benefits to large companies, enabling you to take advantage of the wide range of resources and competitive prices. You can compare rates and coverage, request quotes and then choose the company that is right for you. You should not have to settle for anything less than the best coverage for the best price for your small business.To have a small business health insurance policy in place from the onset of your company makes for easy adjustments as the company grows. New employees can be included and coverage options can be added. Your insurance provider can work the details out with you in order to adapt and change your policy to meet your new needs.

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Good and Bad in Gaming

Gaming is one of the biggest hobbies and even careers in the world. People play games for fun or learning while others record videos about the games. In this article, I will focus more on gaming itself and not so much the side of how to make gaming videos. Gamers come in all different ages, genders, religions, locations and shapes. The backgrounds of people who are gamers make gaming that much more fun.Backgrounds of gamers can play a part in the type of games that people play. There are all kinds of combinations for different categories relating to the type of games and type of gamers. You really need to look at the game’s website to get all the pertinent information prior to buying.There are many online platforms where you can buy games from such as Steam or Humble Bundle. Those sites will give you the description, videos by the company, pictures, user and non-user tags, reviews, website, company and their social account(s). Be aware the game’s website might not show you everything you need to know. As a minimum, a gaming company will show a short sales pitch description, small amount of pictures (5 at best), one or two videos by them and their social accounts. The most they will provide is an informative description, their social accounts, user reviews and videos by them.Let’s dive right into what is perceived as negative about gaming. The majority of the negative things about games come from the real-life people on those games, the type of games and the types of games for the wrong person. A game can be poorly made but it’s not always the case where the game itself is bad. It could be where it was the wrong type of game for the wrong person. This is where the categories come in. Maybe a game has a bit of violence. That doesn’t make it bad; it just makes it the wrong type of game for a seven year old. Or maybe you bought a puzzle game for a person who loves action type games. So the action loving person won’t enjoy it, but that doesn’t make the puzzle game bad!The types of games are endless from nudity, drugs and alcohol, horror, gambling with money and more. These different types are wrong for youth gamers as well as wrong for people who don’t like seeing such things.Gaming has good and bad sides just like everything else. The key is how good and bad are those sides. For example, some games have a bad side with players that like to fight a lot. This is common in games. Understand for a lot of gamers this is not a big deal; however, for youth who are new to the game or even gaming in general this can be frustrating. There are times when you want to avoid the bad sides all together. There are times when the good outweighs the bad. If this happens and there are no problems with the game itself; then the bad side is just that one little fly in your room which is no big deal. Caution: If the bad outweighs the good, I would strongly recommend avoiding that game.Another aspect that people will nag a game developer or creator about is representation. Should I say, a lack of representation which is not limited to race, body type and message in the game. If you are able to customize your character, then of course you will not have a problem with representation. There is a problem in some games where they don’t represent strong and smart females, minority females and males, big, small, tall, and short females and males. Notice how I didn’t put “males” after female for strong? That’s because males in games are ALWAYS represented as strong and smart.In games that show a male strong and smart, he will mostly likely be white, tall, thin, movie star looking and buff. You will rarely see him be a minority, short, chubby, not buff, nerdy looking, while still being strong and smart. You see this even LESS for females. Some females in games are also white, tall, thin and strong while showing skin like no tomorrow. You only see THESE females in MMORPG games (Massively Multiplayer online Role Playing Game) though. RPG games are meant for fantasy worlds where you mostly fight people and monsters. Of course the females’ stats will be strong but they won’t look strong.In most games, when they add a character for you to play they always add a white male first, then a white female, then a black male, and then a black female. They don’t even really add people who are mixes of races or in between. When it comes to the black characters they only add one shade of “black” or “African American” and not every black person on earth is that shade.In games, the majority of the characters are always thin and tall. You don’t really see characters that are short and thin, tall and chubby, short and chubby, etc. There are a lot of people who aren’t thin and who aren’t tall.Then lastly, there is the mental message that goes with the gender, race, and body type. What do I mean by the mental message? Some games send an indirect message about that character being strong and smart or something else. While for other games it can be a mental message either on purpose or not. For example, in the game you play and you see a minority female who is short, chubby, nerdy looking and her traits are to be a goof ball, naive, and dumb. It could send a mental message to you that people that look like her are just like her. They’re not smart, they aren’t thin, and are not tall. They did poorly in school, etc. etc. So you start thinking those things based on not only seeing this in that game over and over again, but when it happens in other games too.The worst part is NONE of these things are true. Yes, some people aren’t thin, tall, and maybe not that bright; but not EVERYONE is like this! You do have short chubby minorities who are smart as all get out! You have all kinds of combinations of people who ARE smart! Of course, all these things about gender, race, body type, and messages aren’t just in gaming; they’re in movies, TV shows, ads, etc. What’s interesting is that some of the creators who make the games, movies, TV shows, ads, etc., are minorities themselves and they make up the population of the earth. (Search “world population by race 2016″ and click the first three links if you don’t believe me.)Quick disclaimer: I AM NOT BASHING ANYONE! Yes, I was shouting that. This section of the article is telling you what I know, read, hear and experience in gaming.If you don’t believe me go look at today’s TV shows, movies, ads, and games. A show to look at for good representation is Milo Murphy’s Law. Two games to look at as a reference for good representation are OverWatch and Atlas Reactor. Now in these fields it has gotten better for representation specifically gender, race and just now starting body type (specifically in this order). Some games even add robots and creatures as playable characters to avoid having problems with representation. This removes the problem of users wanting a character to represent their actual or preferred gender, race, or body type because now there is a character most users can agree on. After all, you can’t please everyone.Alright, now that I ranted and got the bad stuff out of the way; let’s get into the good parts of gaming! You have gamers as young as three years old and as old as 90+! No matter your age, race, gender, religion, culture, or location gaming can be good for anyone. Gaming can not only be fun, but beneficial and educational.A benefit with gaming is it can help youth have more confidence in themselves and be more social. If they play an online multiplayer game and talk to other players around the world, this can help then get used to talking to other people besides family and they gain confidence in what they’re saying. They can go from an introvert to a social fanatic! It can happen fast or slowly. Even if it’s not a game but a place for gamers, artists, fashion designers, car enthusiast, etc. to chat; it will still help them be more social. Keep in mind though, typing to someone and then voice chatting to someone are two different experiences. Youth can be very social when typing but very shy when voice chatting.This is how I am. Before I was shy when talking to people I didn’t know whether it was online or offline, now I’ve become more comfortable with it because I know how to handle myself and have confidence in myself. But when it comes to voice chatting online, I’m the quiet person on the chat. Counterproductive right! You might even forget I was in a call with you! Before when the people at the bank said “Hi” I wouldn’t say anything, now I actually respond and say “Hi. How are you?” After that I don’t really expect to talk with them so I’ll be quiet again lol. See what I mean? After socializing, in general, over time you get better at it and become less nervous and more confident in yourself.Another benefit with gaming is team work. Sometimes in games the only way to win or accomplish a goal is to work with one or more players. In certain games, players are allowed a task can be accomplished with only one player, but it might be harder unless you have more players than yourself. Other times certain tasks can’t be accomplished with one player and need two or more. There are times you make a group with your friends or family to finish the goal. Other times you can make a group with people you didn’t know.This is where it can get tricky. If it’s a game where you can make a group that’s invite only, you’d just invite your friends or family. You can strategize with them, you’d be more comfortable talking with them, and you’ll all agree to work together. If it’s a game where there is no group system but you can still work with others, aka free for fall, and you can talk with them there may still be a goal that can only be completed with multiple players. Do you have to play with other players you’ve never talked to before if your family and friends can’t join you and you really want to complete this goal?This isn’t a bad thing though! This is where you not only become more social but you learn how to work with other players you’ve never met before. If you always play with your family and friends you both already know how to work together, how the other thinks, etc. But if it’s someone you’ve never met it can be a little difficult. Me and my brother grew up doing everything together without really having any friends, maybe colleagues and associates but not really friends. So we were very used to knowing what the other wanted or how they played etc. But when we actually got two friends, it was very difficult to agree on many things. So if you play and work with other people now it will be easier later. Me and my brother have improved our skills to work with others.Another benefit is patience which ties in with team building and socializing. After all, in order to get better at something you not only have to keep doing it but you have to have patience while doing it. There are many times in games where you have to wait. Just like reading is in everything, you have to have patience for everything. In games you always have to wait for something. You need to have patience for finding something, something to finish cooking, something to finish dying, your friends to come back from going afk (Away From Keyboard), the next wave of monsters to come, the next level to open up, etc. etc. I had to have patience when writing this article! So gaming can help you have more patience in gaming and everyday life.Another benefit is hand and eye coordination. When you’re gaming you have to pay attention to what’s happening on your screen while also pressing your controller or keyboard button to do more things on your screen. If you want to move your character in that game, you have to use your keyboard and mouse or a controller while still looking at your screen. It’s like learning how to type. Most of the time you’re supposed to learn how to type words and sentences while looking at your screen without looking at your keyboard. This same thing applies to gaming. You have to be able to press the needed keys in order to accomplish that thing you’re trying to do while looking at your screen. After all, if you’re pressing your keys but not looking at your screen, how are you going to know if you’re doing it right?Now, this one is a benefit and educational benefit – memory. Games can help improve your memory. How? Let me tell you. Take what I said above about typing. The people who can look at their screens and type without looking at their keyboard have something called “muscle memory”. When they want to make a certain letter appear on screen they just have to press that key and they don’t have to look at the keyboard because they have press that key so many times they themselves and their muscles remember where that certain key is. You have muscle memory already. Don’t believe me? Take a look at your keyboard right now. You see where all the letters, numbers, and symbols are right? The letters are not in alphabetical order. So whenever you tried to type your name or something on a digital keyboard where the letter were alphabetical; Did you take you longer than usually to type that word and was it weird and confusing? It was. I’ve done it. You know why?When you type or text to someone you know the word you want to make appear on screen and you remember where the keys are. Maybe you can’t tell them in order if someone asked you but if they asked you to type a word you’d be able to type it because you know where the keys are. For me I know how to spell certain words when I’m typing but maybe not how to spell it verbally. This is because I’m seeing the word being spelled in front of me. Technically when we type to each other we’re spelling out words and then reading them in our mind. But when you speak out loud you don’t see the words you just hear them. Sure, when you read text on screen you hear them in your mind, even right not you hear these words I’m typing, but you don’t verbally hear them and you’re seeing each letter make up that word. When someone spells something wrong you immediately notice it because it’s not spelled right and you read it. When someone speaks something you don’t read any letters, you only hear the word.So games can help you build up muscle memory and mind memory. If you can store items in game you have to remember where you put it, or if you need a recipe to make something you might remember the recipe, or maybe you remember a detail about something important, or maybe you remember the way through a maze or the way home. Some games are even built just to help improve your memory or the only way to keep progressing is remembering certain facts. My mom can type without looking at the keyboard but struggles with trying to walk in games.So now let’s get into the educational benefits. One educational benefit is math. Now, the game doesn’t have to have a goal to teach you math in order for it to have math. The point of going to school is to get an education! Not socialize, but you still might make friends. So this applies to all games. The game doesn’t always have to have a goal of J but it might include J. Its goal might be X but it might still have J. In some games you can build houses and use recipes to make items. How big do you want your how to be? 30 blocks X 10 blocks X 60 blocks? Did you understand what I just said? Let me say it differently. 30 blocks on the X axis (left and right on the ground), 10 blocks on the Y axis (up and down on the ground), and 60 blocks on the Z axis (up and down in the air). This is how you’d build a house, using math, in a game called Minecraft. With these coordinates it means your house will be a rectangle with a very tall roof. Let’s use Minecraft again for this next example.If you want to make 4 swords for example, what do you need? You need wood and iron. How much wood? How much iron? We’ll start with the handle. You need two sticks to make the handle for one sword. One wood log can be turned into four wooden planks, take two and you can then make four wooden sticks. You want to make 4 sword handles. So how many wooden logs do you need? One. For the sword itself it takes two pieces of iron. You want to make 4 swords, so how much iron do you need? Eight. See? Depending on what you’re making and how many of that thing the recipe can call for lots of resources or just a few.Another educational benefit is problem solving. There are lots of games with puzzles or none but it can still include problem solving. A good game for example is Scribblenauts Unlimited. In this game you go to make different places solving people’s problems to make them happy which gives you an item to cure someone. In order to solve their problems, you have to use adjectives and nouns to solve the problem itself or make something to solve the problem. The best part is you can solve that problem many different ways and no way is the wrong way. Some games even change based on your choices and we call these “paths”. Some paths can change, stay on the same route, or end. So you need to solve each problem the best way otherwise you may choose the wrong path or a path that ends.Another educational benefit is reaction timing. If you don’t want to die in a certain game your reaction to something could be the deciding fact of your survival or grave. The more you test your reaction timing the faster you will get and soon you’ll be able to react to things quickly. This can come from games with combat like MMORPGs, shooters, and PvP (Player V Player).You do a lot of these things in games without even knowing it! When you play that game you just have to do A, G, M, and S to do whatever it is you’re trying to do, without knowing in the real world those skills are technically called B, H, N, and T and used in 3, 6, and 9. See? So you just have to get used to applying those skills in the real world.Some games are better for certain ages or interests. Some games are meant for little kids, some are for teen and young adults, and others are for adults. Then there are games just for people interested in robots, cars, fashion, princesses, ice skating, etc. So the games could have the same benefits, but those benefits might be better for certain people than others.Some games are being used in schools or college, as tests for robots and even to teach certain topics. I recently got a game that will teach me how to read and write the Japanese characters while surviving in a game world. Some people who don’t speak English now know it enough to talk to English speakers just by playing or watching games in English! If you find someone who knows how to speak, read, or write a little Japanese; ask them if they have watched Anime. Most English speakers know some Japanese because they play or watch Anime things.So when you see your youth or grandparents playing some games, don’t think it’s bad. It could be helping their memory, problem solving skills, math skills, or they may be learning another language or learning more about a topic.As you read, there are good and bad sides to gaming. I recommend you just have fun and be safe while gaming. There are plenty of games out there for every type of person and more games are still coming. Games can help you improve and teach you skills you not only use in game, but you will use in school and in the real world. Games can help you get sharp and stay sharp. Have fun gaming and y’all stay safe!

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A Guide to Help You Pick the Best Air Purifier for Your Loved Ones

Holidays are around the corner. This is the time of year when people start purchasing gifts for their loved ones. If you are going to purchase an air purifier for someone you love, we have some helpful tips for you. If you want to purchase the best unit, you may be able to use this guide to your advantage. Read on to find out more.

1: Set Your Budget

Just like anything you purchase, make sure you have set your budget first. The price of the unit will vary based on a lot of factors, such as the capacity, filter type, features, and brand of the unit. If you don’t have a flexible budget, we suggest that you go for a product that is available to purchase for less than $300.

2: Consider the Needs of the Recipient

Your next move is to consider the needs of your recipient. If you are going to purchase this unit for everyday use, we suggest that you go for a unit that comes with a HEPA filter. On the other hand, if your loved one has a specific need, we suggest that you consider a specialized unit.

For example, if they are more prone to respiratory issues, such as allergies and infections, we suggest that you get a UV purifier for them. The devices are designed to neutralize viruses and bacteria.

3: Think About the Available Space

Another primary factor is to consider the available space in the office or house of the recipient. For example, if they need a general-purpose unit for a small apartment, you may want to consider a filterless unit.

On the other hand, if they have plenty of free space, you may consider a bigger unit that features a higher airflow rating. These units are powerful enough to cover a large face.

4: Consider Extra Features

Lastly, we suggest that you consider additional features that they will just love. For example, some units come with an indicator that turns on when the filter needs to be replaced. This will allow the user to change the filter so that the device continues to work properly.

So, you may want to consider these features before you place your order. These features may not be important to you, but your friend may just be over the moon.

Long story short, we suggest that you consider these four tips if you are going to purchase a gift for your loved one on these holidays. Since the air is full of pollution during winter days, nothing can make a better gift than an air purifier. Therefore, you should consider these tips before looking for an online or physical store to make your purchase decision.

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