View allAll Photos Tagged effect
Green Boat ~ Orton Effect - my first attempt at the technique known as the Orton Effect - feedback welcome
Lake Brienz (German: Brienzersee) is a lake just north of the Alps, in the Canton of Berne in Switzerland. The lake took its name from the village Brienz on its northern shore. Interlaken and the villages Matten and Unterseen lie to the south west of the lake. The shores are steep, and there is almost no shallow water in the entire lake.
Lake Brienz is the first lake in which river Aar (German: Aare) expands. When it leaves Lake Brienz, it soon joins Lake Thun.
The lake lies in a deep hollow between the village of Brienz on the east and, on the west, Bönigen, close to Interlaken. On the south shore are the Giessbach Falls and the hamlet of Iseltwald. On the north shore are a few small villages.
en.wikipedia.org/wiki/Lake_Brienz
The Alps (French: Alpes; German: Alpen; Italian: Alpi; Romansh: Alps; Slovene: Alpe) is the name for one of the great mountain range systems of Europe, stretching from Austria and Slovenia in the east, through Italy, Switzerland, Liechtenstein and Germany to France in the west. The word "Alps" was taken via French from Latin Alpes (meaning "the Alps"), which may be influenced by the Latin words albus (white) or altus (high) or more likely a Latin rendering of a Celtic or Ligurian original.
The highest mountain in the Alps is Mont Blanc, at 4,808 metres (15,774 ft), on the Italian-French border. All the main peaks of the Alps can be found in the list of mountains of the Alps and list of Alpine peaks by prominence.
The Alps are generally divided into the Western Alps and the Eastern Alps. The division is along the line between Lake Constance and Lake Como, following the Rhine. The Western Alps are higher, but their central chain is shorter and curved; they are located in Italy, France and Switzerland. The Eastern Alps (main ridge system elongated and broad) belong to Austria, Germany, Italy, Liechtenstein, Slovenia and Switzerland.
The Alps are a classic example of what happens when a temperate area at lower altitude gives way to higher elevation terrain. Elevations around the world which have cold climates similar to those found in polar areas have been called alpine. A rise from sea level into the upper regions of the atmosphere causes the temperature to decrease. The effect of mountain chains on prevailing winds is to carry warm air belonging to the lower region into an upper zone, where it expands in volume at the cost of a proportionate loss of heat, often accompanied by the precipitation of moisture in the form of snow or rain.
Storms have blown through the Southeast today. Georgia got hit hard earlier today.
It has been gorgeous here all day, but now at the close, the storms have moved over us. Hail and wind. Tornado watches in effect for 3 more hours.
You have full permission to use these images for whatever you like as long as you credit me through one of these links.
www.flickr.com/cinematicaptures
www.youtube.com/channel/UCna6LNSjL3dlfJ5tC_62-lQ
Quem não tem OPI Spotted, caça com Layla bubbly. rsrs
Até que enfim chegaram a Portugal, e eu garanti estes dois, e agora quero os outros dois tbm. rsrsrs
Podem me fazer o graaande favor de colocar like nesta minha foto?
www.facebook.com/photo.php?fbid=272164509583733&set=a...
Agradeço muito muito mesmo!
Since playing Andromeda I've been feeling nostalgic and been going back and playing Original Trilogy
Spent so many days in so many forests to sight the Greater Flame-back and behold the Beauty alighting on my neighbor's rooftop for a leisurely peck or two !
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/...
Large lake effect snow flakes fall while the addition to the historic Amos Building takes place. www.dailydieseldose.com for more!
my mom said i needed to take pictures of things that other people would like to hang in their house or in their resturaunt if i wanted to make it big. no one really wants a giant print of some melodramatic teenage girl hanging over their fireplace...
Mass Effect 3, Cinematic ENB with reduced Grain, SweetFX 1.4 (SMAA, Lumasharpen, DPX, Liftgammagain,Tonemap,Vibrance,Curves,Dither)
Smarteck Textures, 3840x2160
@el_cccb #sebald #cccb #museum #architecture #wallswallswalls #barcelona #thebarcelonist #igersbcn #justgoshoot #nothingisordinary #st_ph #street #streetphotography #wallart #blackandwhite #bnw #bw #monochrome #jj_blackwhite #jj_wallshot #people #postthepeople #architectureporn #archidaily #archilovers #escalator #wall