Горизонт n26/759
DESCRIPTION
Горизонт (газета) — (Gorizont англ. Horizon ) первая и наиболее влиятельная газета, издающаяся на русском языке в штатеКолорадо, США. Еженедельник, выходит по пятницам, формат Таблоид, 120 цветных и чернобелых страниц, распространяется в городах, составляющих метрополию Денвера (Большой Денвер), и в других населенных пунктах штата Колорадо от графства Саммит до графства Эль—Пасо. Полная электронная версия газеты «Горизонт» доступна в сети Интернет. Подробнее http://en.wikipedia.org/wiki/Gorizont_(newspaper)TRANSCRIPT
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720-495-0073
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1842 S Parker Rd, Suite 21, Denver, CO, 80231. .2
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, 3 , 2 , , . 1986 . $112,900.
. 3 , 2 , 2 . 1580 sqft Cul-de-sac Lot. $110,900.
, ,2 , 2 , Loft. 2346 sqft. 2006 . $180,500
, - , 3 , 2 , 1524 sqft , , - 2 . $124,500.
303-759-2291 www.gorizont.com
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Bank-ownedHUDShort Sale Specialist
[email protected] Williams DTC
20 !
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A1-1158 S Boston Ct, Denver $265,000 10100 Sheridan Blvd, Westminster $ 1,370,000 7755 E Quincy Ave, Bldg-A7 #201, Denver $103,900 9883 Stonecrest Way, Highlands Ranch $949,000
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Strucrure at Re/MAX Unlimited. -? , ? ? ? - , - , - . 720-427-1995 _____________________________________ . 303-332-8807 ____________________________
PRICE REDUCED Income pro-ducing Full gas and service station on the corner Parker Road and Main Street. 303-681-6337__________________________
2 story on 1/3 acre, Huge yard, 2 bedroom, 1bath, 975 Sq Ft, with un-finished basement 1352 Sq Ft 303-681-6337__________________________
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. , , - , , . Cherry Creek . $274,900. T.303-522-8633__________________________ townhouse - . - basement. - -, , , -. -. Cherry Creek . -. $195,000. 303-522-8633__________________________
DTC
- GORIZONT - GORIZONT
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PO BOX 4551, ENGLEWOOD, CO 80155
EMAIL: [email protected]
PUBLISHER
720-495-0073EDITOR /
720-436-7613
x 720-404-7750
CLASSIFIED
303-759-2291
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303-759-2291 15 4 $15 , www.gorizont.com/free CLASSIFIED
O (Software Tester)
+ +
$25-$65 ! -
Every effort is made by Gorizont Publication (GP) to ensure that the information is correct. Gorizont news-paper reserves the right to report unsolicited material being sent through to the publication. Signed opinions or personal views expressed and published in GP are solely those of the respective contributors and do not reflect those of the publishers or its agents. GP assumes no responsibility for any errors or omissions in the materials comprising the GP Services. GP makes no commitment to update the information on the GP Services. No advice or information given by GP or any other party on the GP Services shall create any warranty or liability. Further, the GP is not responsible for any content transmitted or posted to GP by a third party. GP reserves the right to accept or reject any submission, or any advertisement. Only publication constitutes acceptance of the submission or advertise-ment. Letters to the editor should be typed in Russian, submitted via e-mail, and not longer than 400 words. GP reserves the right to edit letters for space and to reject any letter or articles without notification of the author. All submissions must include full name and phone number. Reproduction in whole or in part of this publication is strictly prohibited without prior consent. Photographic rights remain the property of Gorizont.
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$3,700
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720-277-9277
( ) - FREECLASSIFIED* Gorizont P.O. Box 4551 Englewood, CO 80155
* 2-x . x , on-line www.gorizont.com/free . 303-759-2291. 1 .
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Northglenn,4 , 2. - 90%,
. $119,000. - , 720-480-4621. (ID:707)
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$199,900. - , 720-480-4621. (ID:699)
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H igh landsRanch $249,950, 3, 2
, , , , . , 720-480-4621(ID:687)
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Walk-in closets, 5012 . - - , 720-480-4621. (ID:684 )
1642 S. Parker Rd., Suite 203. Denver CO 80231
303-755-2378 303-752-2378 fax720-220-8088 cell
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. 303-750-3600: 303-750-3607
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HOW AFFORDABLE CARE ACT AFFECTS ON EMPLOYERS
As As we know the Affordable Care Act, also known as Obamacare made a lot of changes in Health Market industry. We have to understand where we are and what we need to do today.
Very often I am getting ques-tions from business owners about whether they must offer a health insurance to their employees or not. No employer must offer cover-age, however some large employers, who have 50 and more full-time or a combination of full-time and part-time employees that is equiva-lent to 50 full-time employees and dont offer an insurance, may have to make an Employment Share Re-sponsibility Payment starting from 2015.
A full time employee is an in-dividual employed on average of 30 hours per week.
I would like to bring some im-portant provisions into your atten-tion.
Small EmployersFor a calendar year, employers
who employ fewer than 50 full-time employees (including full-time equivalents) are not subject to the Employer Shared Responsibility provisions.
In some cases the employer may use the Small Business Health Op-tions Program (SHOP) to offer coverage to their employees on Marketplace. For 2014, the SHOP Marketplace is open to employers with 50 or fewer full-time equiva-lent employees (FTEs). If you have fewer than 25 employees, you may qualify for tax credits if you buy in-surance through SHOP.
Federal tax credits are available now for small businesses and non-profit organizations to help cover the cost of health insurance for em-ployees. In 2014, the tax credit will increase, paying up to 50 percent of premium costs for small businesses and 35 percent of premium costs for nonprofit organizations. This credit is available to employers for two years.
In order to be qualified for this credit, the employers must:
Provide health insurance to employees and cover at least 50 percent of the cost of single cov-erage.
Employ fewer than 25 full-time employees (employers with fewer than 50 part-time workers may be eligible).
Pay average annual wages below $50,000, excluding the wages of owners and their families.
It is no longer legal for employ-
er no matter what you call that plan; supervise tax free medical reimbursement to employees for individual insurance coverage ef-fective 01/01/2014. It is very clear now that an employees individual premiums cannot be paid by an employer on tax free bases either by reimbursement to the employ-ee or paid directly to the insur-ance company.
The small business owners sup-pose to pay a very close attention on this. This information is very important.
If the small business employer will reimburse their employees premiums tax free or they offer a pre-tax benefit health insurance, they will be penalized.
The penalty is $100 per employ-ee per day or $36,500 per employ-ee annually if an employer pays for their employee premiums on a pre-tax or tax free basis.
As you see it is very substantial. However if you would like to help your employees with their individ-ual insurance cost, there is a legal way to do so. Please call us and we will guide you how to assist your employees. We can also show you how you can establish a plan choos-ing how much you are willing reim-burse each employee and what type of expenses you are willing to reim-burse your employees.
Businesses with 50 or fewer full-time equivalent (FTE) employees can use the Small Business Health Options Program (SHOP) to offer coverage to their employees. This applies to non-profit organiza-tions as well.
If you are self-employed with no employees, you can get cover-age through the individual market Health Insurance Marketplace, but not through SHOP.
If two or more companies have a common owner or are otherwise related, generally are considered combined and treated as a single employer. If the single employer employs at least 50 full-time em-ployees including full-time equiva-lents, then each separate company is subject to the Employer Shared Responsibility provisions, even those companies individually do not employ enough employees to meet the threshold.
What is happening with com-panies that have more than 50 full time employees?
If the employers, who have 50 and more full-time employees, do not offer affordable health cov-erage that provides minimum cov-erage to their employees (and their
dependents), will be subject to Employment Share Responsibility Payment if even one of its full-time employee applies to Health Insur-ance Marketplace and receives a premium tax credit for purchasing a coverage.
The Employer Shared Responsi-bility provisions apply to all large employers, including for-profit, non for-profit, and government entity employers.
There is no any Employment Shared Responsibility payment as-sessment for 2014. The Employ-ment Shared Responsibility Pay-ment provisions are effective from January 1, 2015. The Treasury and IRS have issued final regulations on the Employer Shared Responsibil-ity provisions. Under the Employer Shared Responsibility provisions, if the large employers (who has more than 50 full-time employ-ees) do not offer affordable health coverage that provides a minimum level of coverage to their full-time employees (and their dependents), the employer may be subject to an Employer Shared Responsibility payment if at least one of its full-time employees receives a premium tax credit for purchasing individual coverage on Health Insurance Mar-ketplace as I mentioned above.
In order to determine employ-ers full time employees, seasonal workers are taken into consider-ation too. However, if an employer has more than 50 full-time employ-ees (included full-time equivalents) during 120 days or fewer during a calendar year, and the employees in excess of 50 who were employed during that period of no more than 120 days were seasonal workers, the employer is not considered an ap-plicable large employer.
Employers will determine each
year, based on their current num-ber of employees, whether they willbe considered an applicable large employer for the next year.
If an employer that was not anexistence throughout the preceding calendar year, is considered an ap-plicable large employer in the cur-rent year, if the employer employsat least 50 full-time employees (in-cluding full-time equivalents) on business days during the currentcalendar year. The year after thefirst year the employer was in exis-tence, the employer will determine its status based on the number of full-time employees and full-time equivalents that the employer em-ployed in the preceding year.
Grandfathered plans are ex-empted from many changes re-quired under the Affordable CareAct. A group health plan that wascreated on or before March 23,2010 is considered as a grandfa-ther plan. New employees may be added to employers grandfa-thered group plans after March23, 2010.
I want to close by saying that a li-censed agent or broker can help you apply for insurance for your employ-ees, review and compare price, cov-erage, quality, and other important features, choose a plan that works for your budget, business, and em-ployees. The premiums you pay will be the same with or without the help of agents or brokers. Agents and bro-kers are usually paid by the insur-ance companies whose policies they sell.
Stay with us. More articles willcome soon.
Marine KaryanInSphere Insurance Solutions
3035968334
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www.koblaw.comemail: [email protected]
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303-753-3640
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Black Sea Market7920 E Mississippi Ave # M Denver, CO 80247
(303) 743-8163
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(720)-234-5027
www.denverscomputerrepair.com
$30
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3 303-759-2291 www.gorizont.com N26/759 07.11.2014
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