Author Archives: Jennifer Campbell

Which Are The Best Dental Plans In Nj?

Dental Plans

According to the American Hygienists Association, approximately 75 percent of Americans don’t know that they suffer from some form of gum disease. Regular cleanings and dental checkups can help identify oral health problems when they are easy to treat. Unfortunately, even the best dental discount plans NJ, won’t cover the full cost of some dental procedures. Most dental plans will cover up to a specific amount which often ranges between $1,000 and $2,000 annually. In case dental costs go above the limit, you will be responsible for paying the additional costs.

What You Should Know About Dental Insurance

Finding the best dental plans in NJ isn’t an easy task. Before purchasing your dental plan, it’s important that you first understand the components of most dental plans. By doing this, you will be able to determine the best dental plans NJ.

Waiting Periods

Do you need dental coverage because of an emergency dental procedure? If you do, you should choose a dental plan without waiting periods. Most dental plans have long waiting periods that last between 6 to 12 months before you can receive coverage while still paying premiums.

Yearly Maximums

Dental insurance plans have yearly maximums of the amount an insurer can pay towards dental expenses within a year. Most insurance companies have a maximum yearly limit of $1,500. Keep in mind that not using your dental insurance doesn’t mean that it will roll over to the next year.

In-network and Out-of-network Dentists

Before you purchase a dental insurance plan, it’s important that you first investigate the insurer’s in-network and out-of-network dentists’ policy. Most insurers may only permit you to visit in-network dental providers. However, those that do allow you to see out-of-network dental service providers will charge a higher cost.

Cosmetic Work

Also commonly referred to as elective dental procedures, they include teeth whitening among other procedures that enhance the appearance of your teeth. Although cosmetic dentistry has become very popular over the last couple of years, 99 percent of dental insurance companies don’t cover it.

Deductibles

On top of the monthly premiums, you will also be required to pay a certain amount of money for dental procedures before your insurer kicks in.

UCR

Usual Customary and Reasonable Fee is a guide that is set by most dental insurance firms. This is the amount that they can actually cover for dental procedures. For example, your dentist may charge patients $70 per cleaning, but the dental insurance company may have determined that $50 is the most usable and reasonable fee and will only cover up to that amount. However, when visiting an in-network dentist you won’t have to pay the difference.

Why the Excessive Red Tape?

Insurance companies can use limitations of maximums, UCRs, waiting periods, and deductibles to ensure that they get as much money as possible through your monthly premiums and pay out as little as possible. Therefore, a dental insurance plan may not be the best option if you want to fully address your oral needs. Consider the best dental plans NJ such as discount dental plans.

Why Dental Discount Plans are the Best Dental Plans NJ

Unlike dental insurance, dental discount plans only charge you affordable membership fees which range between $99 for individual dental plans and $199 for family plans. After payment, you get a dental discount card which can give you discounts ranging between 20 to 50 percent off various dental procedures. Additionally, the best dental plans NJ don’t have deductibles, co-pays, waiting periods or annual maximums. To start saving on dental procedures, visit the best dental plans NJ such as DentalSave today.

Bank of America Drug Testing

If you want to work with one of the largest financial institutions in the world, you can choose the Bank of America. It has more than 4,000 locations across the US, has over 15,000 ATM machines, and employs over 200,000 people across the world. The bank’s headquarters is found in North Carolina and the bank handles a lot of financial transactions for over 40 million clients. Read more about the Bank of America here.

You may want to work as a teller or as a back office employee. Since this corporation is connected with the federal government, it is required to comply with the drug-free workplace policy. This means that it is mandatory for someone looking to apply in the Bank of America to undergo a drug test. There are specific consequences and penalties if you fail to comply with this requirement so it’s better to be prepared.

Even if you are already an employee in this bank, you might be required to undergo random drug testing. The bank has all the rights to conduct one especially if there were accidents or injuries at work. Employees who hear about an upcoming test should stop using illegal substances immediately so that they will come out clean.

The Bank of America Pre-Employment Requirements

The bank usually conducts a thorough background check, credit checks, in-depth interviews, and drug testing on its prospective employees. If you are subject to one, there’s a huge chance that you will be assigned to a position where safety is the utmost priority. This might include becoming a driver in their armored vans or becoming a teller.

The test will be conducted not on the bank itself, but to a laboratory that is accredited to do pre-employment testing. It is important to keep in mind that when your results turn out to be positive, you will not even be considered in a position and you may even be blacklisted when you apply to other branches of the Bank of America.

About Drug Testing

The bank usually requires the employee to undergo a urine drug test. This involves the 5-panel testing which checks if a person has used cocaine, phencyclidine, Tetrahydrocannabinol, opioids, or methamphetamines. This involves a non-invasive procedure where the person who is going to be tested will just have to submit a sample of his urine. The 5-panel test is commonly used b a lot of laboratories because it can detect the metabolites in the sample accurately.

Pass your Bank of America Pre-employment Screening

So if you are one step away of landing your dream job as a teller, using illegal substances a day or a week prior to the screening can put your dreams to an end. Fortunately, there are ways for you to pass the Bank of America Testing with flying colors. The best way is to stop using drugs as soon as possible. You can then work on speeding up the body’s cleansing process.

Some of the things that you can do to flush out the metabolites of illegal substances are: eat fruits and vegetables, drink plenty of water, exercise, sleep at least 8 hours a day, and take vitamins. However, when you are a regular user, you might yourself in a pinch. There are still times when the level of metabolites in your system can reach the threshold set by the laboratory which means a positive result. You can get into trouble in these cases. What you can do is you can adulterate your sample or you can use synthetic urine.

Adulterating your Sample

You might be tempted to add bleach, sugar, salt, or other adulterants on your pee to lower the metabolites in it. This has been a common practice done by many employees for a lot of years. However, a lot of laboratories have already improved technology and can detect if the sample has been adulterated.

The urine will have a different temperature. The PH level should be within the range of 4.0 to 8.0. Not meeting the range mentioned means that there are other substances added to the sample. There is also a specific gravity that should range from 1.003 to 1.030. There are substances that can also be found floating in the urine. When the Bank of America is informed that you have adulterated your sample, you can kiss your application goodbye as they won’t let you become one of their employees.

Others use dishwashing liquid because of claims that it can help you pass. This is not the case at all. There are a lot of soaps that produce bubbles in the urine sample. It can arouse suspicion as well on the tester’s part. There are some who use bleach to mask their pee sample. Bleach will result in a different color and temperature so it’s best not to try it at all.

A safe option for many people is to use synthetic urine. There is powdered synthetic pee available in many stores online that can save you from failing the test. These samples can have a shelf life of one year so you might want to keep in handy in case there will be random testing that’s going to happen. Some synthetic urine comes with kits where you can try to see how effective they are even if you are at home. There are also tricks that you can do to keep the temperature stable such as putting the clean sample in a microwave for 5 seconds or keeping it close to your body to achieve the right temperature.

The Bottom Line

Wanting to have a job in one of the largest banks in the world can be achievable. If you pass the test and you put yourself above suspicion, you should get ready to sign that job offer. When you pass a drug test, you do not only get the job that you want, but you also avoid fines that are imposed by the feds. So, make sure to do everything in order to pass and get the job of your dreams.

Benefits Of Hardwood Flooring: Compare To Other Flooring Types [Infographic]

What makes for a top-notch floor? Whether it’s laminated vs. hardwood flooring? Is it evenly installed? Does it look good even from a distance? All ring true! At the same time, all can describe BC Floors. The surfaces that they construct, sometimes by hand, are simply some of the best in the world. They can make any home look like a thousand bucks just by the floors alone!

BcBestFlooring Infographic

Griffin Gate Marriott Resort, Lexington

At A Glance:

Marriott Hotels are known for its prestige and superb services, and for years, Griffin Gate Marriott Resort and Spa has provided great accommodation and services to travelers. Visitors of the hotel look forward to the comfort and convenience offered by the hotel. Feel pampered while staying at the hotel.

Reserve your hotel room at Griffin Gate Marriott Resort with Reservations.com

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You Should Know:

  • Multiple-stared hotel
  • Service is the best
  • Since Griffin Gate Marriot is a resort and spa, the hotel boasts of their indoor pool
  • High speed Internet connection
  • Shuttle service is also included in their long list of services
  • Spa is one of their best services

In and Around:

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  • Kentucky Horse Park is one of the most popular destinations around the vicinity of the hotel
  • Red Mile Harness Racetrack is an attraction near the hotel
  • Rupp Arena basketball stadium is also a local tourist attraction in the area.

 

What To Do When Hiring A Law Firm

A Law Firm

Whenever you are searching for the best law firm out there, you will have to focus on all the important things that will help you choose the best lawyer for your case. There are plenty of important things that you need to focus on so you can avoid all the problems later on. By paying close attention to the details that matter the most, you will be able to come up with a great solution. Make sure that you are focusing on every single detail that will allow you to get the desired results.

If you are not sure how you can choose the best law firm out there, then you are in good hands. We will be discussing few important things that you need to focus on so you can come up with a great solution. Let’s have a look at how you can manage things in the right way.

Start your research online

First of all, you will have to start your research online and you will have to go through all the important things that will help you in the right way. If you are going through the detailed research process, then you will be able to select the best law firm out there. It is one of the most important things that you need to focus on so you can avoid all the problems that you are facing. Make sure that you are searching for the best law firm online and locally as well. You can also get in touch with The Julian C. Gomez Law Firm to find the desired outcome.

A Law Firm

Contact multiple firms

Make sure that you are contacting multiple law firms. If you are getting in touch with different law firms, then you will be able to get a clear idea of how you can choose the one that will help you with your case. It will also allow you to choose the perfect law firm in the area. By contacting different law firms, you will be able to come up with a great solution.

Choose an experienced and reliable firm

The next thing that you will have to do is to choose an experienced and reliable firm. If you are selecting an experienced and reliable firm, then you will be able to avoid all the problems that you are facing. These are the things that you need to focus on so you can come up with a great solution.

Are The Passengers Responsible In An Accident

The legislator has tied the responsibility: the one who manages the vehicle, the one who engages the driver and the one for whom the ride is required, the basis of the responsibility of the legal and responsible person with that person – the driver who physically carried out the operation of the use of vehicles in traffic. If you want to know more about us make sure to book your consultation and we will provide you will the legal help that you need and require.

Then why does the driver answer?

Because he agreed to use a defective, damaged, old or semi-defective vehicle to perform a job. Even if he did not know it, ignorance does not relieve him of responsibility because it is general safety of participants in the traffic, which means that he must inquire about what kind of vehicle he gets for use before going into traffic. Even in a situation where it does not be liable for a legal person’s omission regarding the storage, use and correctness of the vehicle, the driver always answers as a person who has managed the vehicle within the limits of the traffic regulations.

A legal person is responsible for taking care of who is engaged in the affairs of the driver, whether this person is inclined to alcohol, whether he has a proper driver’s license, whether he is inclined to commit a misdemeanor and whether he is punished, whether he uses the vehicle in working hours or outside working hours and under what conditions and whether there is a license to perform work or use of vehicles outside working hours, etc. All of this points to increased control and control of the driver before it goes into traffic, whether it will commit a misdemeanor or not, depends on many circumstances, including its ability and skills as a driver, work experience in various terrains. Legal person has special responsibility if he owns vehicles for performing activities in: construction, trade, tourism, public transport, etc. where the vehicles are in constant circulation.

Recall that the vehicle is a dangerous moveable matter that can inflict physical and minor bodily injury on individuals, including fatalities, and the vehicles themselves can suffer great material damage.

To conclude, in this type of liability, the owner of the vehicle is a legal person, the driver is the person who manages the vehicle of the legal entity and the responsible driver in direct traffic, and the responsible person in the legal entity is the person who issues the order that the vehicle and the driver go into traffic.

If you want to contact us on social media, we are available on Facebook as well as on HotFrog where you can find our contact information and call us right away. Get your legal help today.

Ultimate Guide To Get A Graphic Design Career [Infographic]

Graphic designers may not be the most glamorous profession out there, but it still pays to be nice and humble. You never know how much your own samples of social media icons help other people with their own businesses. At the same time, your game design templates may just be what some clients are looking for! When you’re nice and humble, sharing your work with others is much easier!

PixelPapa Infographic

Who Is Jamy?

Jamy

As one of the UK’s leading singer/DJ’s, Jamy is making a name for herself in the world of Latin/Bachata music. An extremely talented vocalist, being nominated to the Lukas awards as “Vocalist Of The Year”, Jamy has won the hearts of music lovers everywhere. Jamy is one of the few Colombian Latin singers in the Bachata industry, but she has gained the respect of many veteran singers and musicians alike.

Born in Italy to a Colombian mother and a Jordanian father, Jady moved to Columbia, where she lived until she was 14. Moving back to Italy was a mix of emotions for Jamy as she loved the people and the culture of Columbia, but wanted to explore more of the world around her as well.

Jamy was a talented child, both as a vocalist and a performer. She began studying the violin at a young age and learned singing techniques and many folklorist dances at the Music Conservatory in Cali.

Currently living in London, Jamy focuses on her music and collaborates with some of the UK’s top musicians and DJ’s on several projects. One such project, known as Salseology, is a multi-awarded live salsa band which spreads the visual and audible excitement of salsa throughout the UK.

Jamy The Singer

Throughout the course of her musical career, Jamy has performed at a wide range of venues throughout the UK, has made fans happy with her many public appearances and has developed her own style of music, mixing several genres and languages to create a unique sound that is all her own.

Jamy The DJ

As a DJ, Jamy has built a reputation for putting on a memourable performance. Her soundscapes and innovative creation of beats has enabled Jamie to work in the UK, Italy and several festivals throughout Europe. Her set includes a collection of tracks from the world of Dance, Latin music, Soulful, House and Deep-House music.

Jamy’s New Album

With the release of her latest album, Cuentos de la Luna, Jamy shows offer her incredible vocal talents as one of the few female singers in the Latin / Bachata music industry. With soon to be hits, Tu Recuerdo, Luna and You Will Never Know Me, Cuentos de la Luna is already trending on Spotify, iTunes and Google Play. You can check out Cuentos de la Luna by clicking any of the links to your favourite music streaming platform.

Contact Jamy

To learn more about Jamy or to contact her for promotional appearances, DJ gigs and more, contact Jamy via her website at https://www.jamy.london/.

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