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We do some of our shopping here. It's walking distance from the Gaoxin #1 school. Brightly lit and packed with consumer goods of all sorts. Prices are marked.
Mass hysteria at the $2 DVD rack.
Every hour or so another trough of cheap DVD's was emptied into bins.
And the Sheeple consumed them like their sustenance depended upon it.
What I tried to highlight through this project is the fact that people don't always arrive at the best decisions, frequently aiming for the easiest way out. In a society in which consumerism is encouraged through all sorts of ads and discounts, people are easily overwhelmed by noxious products which get to partially or even completely replace certain indispensable goods.
The purpose of this photo is to raise awareness upon the usual, daily choices that modern man has to take and which are generally pernicious for his own existence.
consumer on board. You are allowed to use this image on your website. If you do, please link back to my site as the source: creditscoregeek.com/
Example: Photo by Credit Score Geek
Thank you!
Mike Cohen
2019 is a big year for health insurance developments affecting consumers and coverage options.
For over 30 years, Short term health insurance has provided coverage for a defined period of time and generally includes a much lower premium than other types of major medical coverage.
Until April of 2017, the coverage period was determined by state law, with the majority of states permitting terms of 364 days or less. Now, the final rule extends the duration of short term coverage from 3 months to 12 months (364 days) depending on state availability and limitations.
Specifically, the language in the plan must inform insureds that the plans do not comply with the Minimum Essential Coverage requirements of the Affordable Care Act. This is important because the ACA currently issues an individual mandate penalty, which equates to 2.5% of one’s yearly household income, or $695 per adult plus $347.50 per child with a $2,085 household maximum - whichever amount is greater.
This penalty will, however, be phased out as of January 1, 2019, meaning you could find and even apply for the best short term health insurance policy for you today without the financial burden of paying the individual mandate penalty.
The outgoing Obama administration made a significant change, issuing a regulatory final rule which cut the maximum duration term limit of short term health insurance from 12 to less than 3 months. This limit was changed on August 1, 2018 by another regulation designed to expand access to short term health coverage. The rule reinstates the 364 day maximum term limit and allows carriers to offer reapply options for up to 36 months. The changes officially took effect on October 2, 2018.
One of the most attractive aspects of short term health insurance is the cost, but many people shy away from short term plans because they are so limited. Why is that? When a plan is limited to three months, it may not address insurance needs fully. Now, however, the legislative change allows individuals to take advantage of more affordable health care for up to three years.
When you apply for a short term plan, you will need to go through medical underwriting. Applications can be rejected. Short term plans often do not cover many of the same things that ACA-compliant plans will address.
The Trump Regulation specifically states that the expansion will “expand more affordable coverage options to consumers who desire and need them, to help individuals avoid paying for benefits provided in individual health insurance coverage that they believe are not worth the cost, to reduce the number of uninsured individuals, and to make available more coverage options with broader access to providers than certain individual health insurance coverage has.”
With this rule now in place, Americans have more affordable choices than ever when it comes to finding the right health insurance for their budget.
7 Major Changes to Health Insurance in 2019
1. No Penalty: In 2019, there is no fine for not having health insurance from the ACA Healthcare Exchange
2. Longer Short Term Medical Plans: Plans can for up to 364 days in most states and 36 months in some others
3. Association Health Plans: Smaller companies and industry groups can now offer health plans with less comprehensive coverage at a lower rate.
4. Health Reimbursement Arrangements: As an alternative to group plans, employers can offer reimbursements for employees who buy their own health insurance.
5. Medicare Enrollment Changes: If you have Medicare Advantage, open enrollment now lasts from January 1st to March 31st where you can change your plan, or switch to Original Medicare.
6. More Ways to Get Insurance: Compare ACA plans with other alternatives on open marketplaces like AgileHealthInsurance.com to find health insurance that works for you.
Click to learn more, get a quote and save on quality short-term health insurance coverage today
www.agilehealthinsurance.com/...
GENERAL DISCLAIMERS
These Short Term Medical plans do not provide coverage for preexisting conditions nor the mandated coverage necessary to avoid a penalty under the Affordable Care Act. Each state has specific mandates for coverage so your plan may include additional benefits. Please consult your state-specific insurance certificate for more information. Short Term Health Insurance products underwritten by their respective companies. Product prices, benefits and availability may vary by state.
ACA DISCLAIMER
AFFORDABLE CARE ACT TAX (ELIMINATED UNDER CONGRESSIONAL TAX REFORM ACT STARTING IN 2019). SHORT TERM HEALTH INSURANCE IS HEALTH INSURANCE OUTSIDE OF THE AFFORDABLE CARE ACT ("OBAMACARE"). IT DOES NOT INCLUDE ALL TEN OF THE MINIMUM ESSENTIAL BENEFITS OF OBAMACARE AND IT DOES NOT COVER PRE-EXISTING CONDITIONS. TO LEARN MORE ABOUT THE TAX AND ITS EXEMPTIONS, SEE HERE. TO LEARN MORE ABOUT THE DIFFERENCES BETWEEN SHORT TERM HEALTH INSURANCE AND OBAMACARE, www.agilehealthinsurance.com/...
The AD700 headphones are designed with a lightweight honeycomb aluminum casing and magnesium frame structure, giving a smooth and relaxed sound with extremely comfortable velvet ear-fitting pads. As open-air headphones, they produce no sense of pressure on the ears, offering a completely natural listening experience.
The AD700 headphones offer a deep resonating bass and vocal projection with a self-adjusting wing support on the headband that automatically adjusts to your head size for easy-wearing listening comfort. Large-aperture 53 mm drivers on the AD700 headphones with neodymium magnet systems and CCAW voice coils give you superior sound reproduction. The headphones come with a high-quality hybrid PCOCC and titanium alloy cord.
Buy online at www.audiotechnicashop.com
On August 5th, the Federal Reserve released its latest preliminary findings of revolving consumer credit, better known as credit card debt. Credit card debt was up for the month of June 2011 by a whopping 7.9 percent. That was the largest growth in credit card debt this year.
Unfortunately, non-revolving consumer credit went up as well by 7.6 percent in June. That means that the amount of auto loans, student loans, and boat loans went up steadily.
Therefore, overall consumer credit was up 7.7 percent in June which continues the 2011 trend of more consumer debt.
www.faithfulfinances.com/HouseholdDebt/HouseholdDebtClock...
A lovely piece of unintentional anti-consumerist zen. The sign was on the inside of a changing room door in a clothing shop in Guilin, in southern China.
By the infamous Banksy. This was in an art exhibition that featured a maze with various dead ends or sub rooms. This was in one.
consumer on calculator. You are allowed to use this image on your website. If you do, please link back to my site as the source: creditscoregeek.com/
Example: Photo by Credit Score Blog
Thank you!
Mike Cohen
One of my early photos taken in 2004. It was a huge billboard in Downtown Toronto advertizing some financial service company.
A number of years ago, I was playing tennis with my mate and we got talking about how my wife was complaining about my snoring. For more information please visit: www.resmed.com/in/en/consumer/snoring/how-to-stop-snoring...
Just a random showcase near Sochi Seaside promenade. Looks chaotic!
Please, visit www.insidesochi2014.wordpress.com! It is new blog of French student. He is writting about Sochi, winter sports and tourism. He also has some great articles about Olympics in Sochi.
Shot for contest having "Consumer Experience" as a topic.
Strobist info: One SB26 on 110cm white shoutthrough umbrella on top of camera at 1/8 and one SB26 on 80cm white shoutthrough umbrella below (clamshell lighting) camera at 1/16 power. One SB26 without umbrella, zoomed at 85mm at 1/32 behind me for rimlight.
Selfportrait, View large on Black
Leica M6 + Voigtlander Ultron Vintage Line 28mm f2.0 Aspherical Type II + Ilford HP5 @ 320 iso + Fliq Film Classic MQ (D-76) 1:1 @ 13.5mins
This was shot for the Nikon D40/x Challenge... the theme "consumerism" ... however, there was not one person shopping this day, oh well, I tried!
Specialized pipeline inspection equipment is used to inspect the inside of natural gas pipelines to look for dents, corrosion and other items. Consumers Energy is inspecting nearly 300 miles of natural gas pipeline in 2015 to proactively seek and repair imperfections that could compromise the integrity of those lines and potentially affect their operation.
The muslim woman and the woman in the sexy dress are friends, because they are consuming the same overpriced sugar & caffeine drink.
Mindanao is frequently in the news for the muslim insurgence going on in its West. Davao city is safe, and I had the impression that Filipinos of different religions genuinely live in peace and understanding there.