Art Galleries are generally known for art that highlights the natural beauty all around the world. Everyday there are people creating entirely new works of art, and placing them in art galleries all over the world.The type of art included in a gallery can vary. Art can encompass a wide variety of medium, such as, drawings, paintings, photography, and sculpture, to name a few. The purpose of the art gallery is to show off the work of local and national artists in a way that people will want to purchase them. Many of the artist’s works can also be bought as prints. This allows the artist to sell more, while making the price more affordable to people.Local Art GalleriesArt Galleries are generally known for art that highlights the natural beauty all around the world. Everyday there are people creating entirely new works of art, and placing them in art galleries all over the world.The type of art included in a gallery can vary. Art can encompass a wide variety of medium, such as, drawings, paintings, photography, and sculpture, to name a few. The purpose of the art gallery is to show off the work of local and national artists in a way that people will want to purchase them. Many of the artist’s works can also be bought as prints. This allows the artist to sell more, while making the price more affordable to people.Local Art GalleriesMost major cities have wonderful art galleries. If you have never visited an art gallery, you should make a point to do so. You may think that an art gallery is not where you would want to spend the afternoon, but you may be surprised at how interesting an art gallery can be. Check your local phone book for an art gallery near you.Virtual Art GalleriesIf you have Internet access, then you can find an online art gallery, my choice as well. If you can view and possibly order from the comfort of your own home why not. Virtual tours of art galleries are a lot of fun.As with walk in art galleries, virtual art galleries are also worldwide. Listed below are a few galleries that you can visit online.o Art Vitam, Miami, Floridao Art of this Century, Paris, Franceo Art Space/Virginia Miller Galleries, Coral Gables, Floridao Artco Galleria de Arte, Lima, Peruo Casa d’Arte San Lorenzo, Pisa, Italyo Diana Lowenstein Fine Arts, Miami, Floridao Espace D’Art Yvonamor Palix, Paris, Franceo Galleria El Museo, Bogotá, Colombiao Galleria Habana, Mexico D.F., Mexicoo Galleria de Arte Isabel Aninat, Santiago, ChileTake the time to experience wonderful works of art at your local art gallery or on the internet. Even if you are not an art enthusiast, the works of fine artists all over the world will impress you.

You have just completed an online form requesting a free health insurance quote and moments later you are being inundated with phone calls from insurance agents hoping to get your business. Try not to become overwhelmed or annoyed by these “pesky sales people” because they are really not telemarketers. Most of them are well-trained state licensed professionals who can really help you make a good decision regarding which health plan is best and most affordable for your individual or group coverage needs.You may be under the misconception that if you buy your health plan directly from the insurance company, and cut out the “middle person”, you will save money. This is absolutely not the case. In fact, insurance companies rely on agents for most of their business and that’s why they pay them commissions for bringing in customers. It does not cost a consumer one penny more to use a licensed California health insurance agent to obtain their insurance coverage.There are many differences between California health insurance and other states including how it is applied for.For example, while Blue Cross and Blue Shield are one company in other states, here in California, each is separate and applied to individually as Anthem Blue Cross of California and Blue Shield of California.California health insurance law AB 1672 is an improvement over the federal HIPAA law that covers all states in that it includes the following with regard to California group coverage:1. Individuals with pre-existing medical conditions may change over to a new group health plan without an exclusionary period.2. It allows small businesses and professional organizations to have access to health plans providing they have between 2 and 50 full time employees.3. It keeps insurance rates from climbing after a claim is filed.4. Employees who have health problems may change jobs or health plans without being rated higher for having pre-existing conditions.That said, the very best health insurance agent for your individual and business needs is an “Independent Agent.” Why? Because they represent multiple insurance carriers, not just one. An independent agent can help you select the most appropriate cost-effective plan offering the most benefits for your dollar as available from the major carriers, rather than feeding you just one company’s line of health plans which may not suit your particular needs. Many people are too complacent and settle for what their current insurance company has to offer. They could use a good independent agent to sort through the many plans available from multiple insurance carriers to find and provide the best choice of options.Another misunderstanding you may have is that insurance agents set the premium rates for the health insurance plans they sell. Thinking if you shop around you may get a better price for the same plan. Premium rates are based on your age, zip code or county in which you reside and are controlled completely by the insurance companies. Every agent uses the exact same rate guides set by the insurance companies. The condition of your health may affect your premium, which may be rated up after the insurance company’s underwriting department has reviewed your medical records. Again, the insurance company, not the agent, determines that outcome.Now, let’s talk about the benefits of having a good insurance agent representing you. Most consumers neither know nor understand the benefits of a health plan being offered and need the expertise of an agent to explain the benefits to them in full. For example, do you know what the difference is between an “out-of-pocket maximum” and an “annual deductible?”An out of pocket maximum is the most you will have to pay in a given year for deductible and coinsurance for covered benefits before your insurance starts to pay 100% of most expenses until the year ends.An annual deductible is usually the amount you pay each year before your health plan starts paying anything for covered services. Generally, the higher the deductible, the lower the premium. Certain services such as prescription drugs carry separate deductibles. Plans may vary and sometimes benefits will kick in before you have to meet the deductible.A knowledgeable health insurance agent can be a guide through the maze and help you choose the right plan to meet your needs and budget while obtaining the most benefits for your dollars spent. An agent will also make clear how the benefits for a generic prescription may differ from the benefits for a brand prescription on a particular plan.After you have a health plan in place, a good, caring agent will remind you to pay your premium on time so the insurance company doesn’t cancel you. Your agent can also be an enormous resource for assistance if you run into a problem with a health insurance claim. Instead of waiting on hold at the insurance company’s 800 number for thirty to forty- five minutes, call your agent and explain your problem and if you have chosen the right agent, you will get help and may save yourself lots of time and frustration, maybe even some money by having an expert in your corner where your best interests come first.So next time you or someone you know, fills out one of those on-line forms for a health insurance quote and you get several phone calls from health insurance agents wanting your business, be grateful that a professional wants to help you for free to choose the right plan and you’ll have an important friend for life.

If you want a house with chic, clean lines and a fresh, updated feel, you will probably enjoy the look of an ultra-modern home interior design. The primary benefit of this type of design is that it offers a wide variety of choices when it comes to colors, fabrics and decorations that you can use, making it easy for you to come up with an overall look that is truly your own.The trademark look of modern home interior design is that of class and elegance without the frills and extravagance that designs of previous decades are known for. On the contrary, the furniture and architecture used in modern home interior design are very simple, to the point of being quite minimalist. The colors are very solid as well, and the shapes are mostly geometrical. Intricate designs and lavishly ornamental pieces are very rarely, if ever, found in modern home interior design.A Contemporary LookMost of the appliances and furniture used in modern design are made from a combination of stainless steel, glass, plastic and leather, making for a very contemporary look. However, wood elements are also a nice addition to any modern room. The rich, dark tones of walnut and mahogany can soften the atmosphere in the area and they complement the coldness of metal and other modern materials.Speaking of metal, no modern home interior design is complete without its share of metallic elements. Stainless steel in undoubtedly the most popular choice today, perhaps because of the relatively low cost, but there are also other metals that work effectively in a modern environment. Brushed nickel cabinet handles and chrome floor lamps for instance, are always excellent highlights. In general, any metal that is sleek and shiny will be a perfect fit in any modern home.Modern Theme ColorColor is another important factor that one should consider when designing a room or a home with a modern theme. A lot of people think that neutral colors are the best choice when it comes to modern design, but this doesn’t always have to be the case. You can stick with a beige or gray wall but you can offset the coldness of this hue by bringing in a deep red couch or adding royal blue drapes to your windows. These colors will not take away from the modern look of the room at all, but they can certainly add much-needed drama to the area.The best thing about modern home interior design is that it is so easy to maintain and so comfortable to live in. This is probably the reason why millions of people prefer this kind of design today.