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Recent guest reviews
Check in was quick and easy. The brought our luggage to the room. It wasn't really a room ... 2nd floor (the entry floor) there is a kitchen and a living room. On the ground floor, is the bathroom and a very large bedroom. Both floors have siding doors. The set-up is very weird. The room may have been clean but it didn't have that appearance. The bathroom mirror had black streaks going through it and whoever did the tile was extremely sloppy with the grout. The worst part is once you go 1/2 way down the stairs you get hit with a musty smell that closes the throat. I stayed one night ... decided it wasn't worth trying to find a new hotel as we were leaving the next day. I would never had stayed a second night. I filled in the review form on hotels.com while I was there. It went right to the front desk clerk. He apologized profusely and said that the room we were supposed to be in had an air conditioner problem and the bank of rooms I stayed in were up for renovation. I would have rather had no air conditioning. For my trouble, the didn't charge us for the $3.50 beer my husband took out of the mini bar. Additionally, while on a marina, the area it was in had nothing to offer and was rather seedy.
Spent 9 nights here end of March. Every member of staff were so friendly and would like to also say that Marsha? female security member was exceptional, a great asset to the team. We had a room overlooking the Marina and what a sight it was with all the yachts. The room was kept very clean and we had fresh every day. It was a belated birthday present for my husband and when we arrived there was a complimentary bottle of wine in our room.
After arriving to English Harbour all the way from Jolly on a 10 foot dingy we needed to find somewhere to stay at the last minute, rather than face the 3 hour journey back. We found the reception staff at Antigua Yacht Club very helpful and accommodating. They gave us the best rate available for the night and went out of their way to find somewhere for us to keep the dingy overnight.The room was large and the bathroom was clean, if somewhat on the basic side. The only negative would be the walls are very thin so our very noisy neighbors woke us up very earlier, carrying on their party from the night before. The location is one of the best in the area, close to walk to all the bars and beaches.
Spent a week in this lovely hotel, with very friendly staff, in the off season. The hotel is great, with the Yacht Club across the road. Easy walking distance to Nelson's Dockyard or over the hill to Pigeon's Beach. Also across the road is a small shop, selling food and drink, which is very handy. Love to go back...
Spent 2 nights here, our bedroom was basic and the air conditioning struggled a bit, we were opposite the pier which was where the gym was situated. There were 2 cafes and a small grocery store. Falmouth harbour was a great place to be but next time would prefer to go along the road and stay at South Point which was where our friends stayed.
11/10 for service from the staff however some of their rooms need a refresh for the price. No on site breakfast either. Best hotel in Falmouth Harbour still.... I've stayed a few times there and would recommend the lesser rooms, the suites simply aren't worth the extra money....
A very nice place, upstairs at the Antigua yacht club. Good menu and area to sit overlooking the harbour. A well stocked bar and good service when ordering food (sushi) which was great for a sharing snack.
Did stay at the resort just had the day and dinner with a group of friends , the view of Falmouth harbour was superb, the food excellent an dated level of service was superb, a great night at then end of a 4 week passage to antigua
We have just had a terrific stay at the yatch club ,staff brilliant helpful and with a smile all the time ,lots to do in a delightful setting lots to do ,great view of the marina with its multi million pound sailing yatch and power yatch English harbour fantastic place to visit
We were there for work for 3 days. Great location and able to walk to Pigeon Beach and great restaurants. The staff was super helpful and took care of us. I would definitely stay there again. Great views!
Reviews from Trip Advisor
90% of guests recommend this hotelTotal of 166 reviews


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A steel casting is a method where liquefied steel is poured into a mold, made of sand or ceramic plaster, to create a desired shape. The mold contains a hollow cavity of the required shape. After pouring the liquefied steel cools, solidifies, and is removed for cleaning. The product formed is subjected to heat treatment and further finishing. Heat treatment enhances the properties of the cast formed. Steel castings are preferred for applications requiring high strength, weldability, corrosion resistance, abrasion resistance, and serviceability under low and high temperatures. For instance, steel castings are used for making important components in the mining, construction, military, railroad, truck, and oil and gas industries.
Publisher's analysts forecast the global steel casting market to grow at a CAGR of 3.82% during the period 2016-2020.
For more information about this report: http://www.reportsweb.com/global-steel-casting-market-2016-2020
Covered in this report
The report covers the present scenario and the growth prospects of the global steel casting market for 2016-2020. In order to calculate the market size, we considered the revenue generated through sales of steel casting for applications such as automobiles and transportation, infrastructure and construction, valves and pumps, mining, and others (consumer goods and agriculture machinery).
The market is divided into the following segments based on geography:
- Americas
- Europe
Publisher's report, Global Steel Casting Market 2016-2020, has been prepared based on an in-depth market analysis with inputs from industry experts. The report covers the market landscape and its growth prospects over the coming years. The report also includes a discussion of the key vendors operating in this market.
Key vendors
- Anhui Yingliu
- Hitachi
- Kobe Steel
- Precision Castparts
- Peekay
Request Sample Copy at http://www.reportsweb.com/inquiry&RW0001374270/sample
Other prominent vendors
- Amsteel Castings
- Hyundai Steel
- Nucor
- Pacific Steel Casting
Market driver
- Industrialization and development in APAC
- For a full, detailed list, view our report
Market challenge
- Sluggish demand for steel
- For a full, detailed list, view our report
Market trend
- Steel as sustainable material
- For a full, detailed list, view our report
Inquire for Report at http://www.reportsweb.com/inquiry&RW0001374270/buying
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We'll be staying in Malaga for one night in the latter part of September. We are interested in staying at the Parador Malaga Gibralfaro;however, we don't have a car and need to get to the airport the next day. Is this possible to do with little hassle or would you recommend another place? Thanks!
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malaga parador
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The taxi ride from the Parador Gibralfaro will take about 20-25 minutes, depending on time of day and the Parador can order a taxi for you.
That said, we enjoy staying in the pedestrian-friendly downtown with access to the Picasso, Thyssen, Pompidou, Wine, CAT museums and the dozens of great tapas bars and restaurants.
We usually stay at the AC Palacio in a room with terrace facing the port or most recently, during Carnival, at the art-deco style Room Mate Larios on lively, pedestrian Calle Larios (the AC was undergoing renovation). We like both very much. Great service at the Room Mate Larios.
We also saw the newly opened Room Mate Valeria, next to the Tourist Office, whose exterior rooms have water views. All three have nice roof top terraces for drinks and views.
The Molina Lario, across the street from the AC is also fine, with an equally great location.
All of the above receive an 8.7 or above guest rating on booking.com
There's also the Room Mate Lola (8.4 rating on booking.com)
The Sercotel Don Curro has a good location and low rates but rooms could use a little updating. (8.3 on booking.com)
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Great input from Robert, but of course the Parador setting and view is something very special if your main focus is not to absorbe the city vibe (but it also can be combined )
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I love the Room Mate Larios hotel, great amenties, good breakfast and location. We took the bus to/from the airport,really fast and easy. Early one morning,we took the on/off bus and got off at the Parador-what a view and had breakfast,wonderful! Then we caught the bus for a tour of the rest of Malaga.
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Yes, the Parador Gibralfaro setting is spectacular, with 180 degree views of the city and a great bird's eye view of the Plaza de Toros. And it does have a roof top pool, open all year (only 3 of the 50 Parador pools remain open all year).
I've stayed there but long ago, before the rebirth of now incredibly vibrant downtown Málaga.
It's not an historic Parador but instead a purpose built one, in the late forties, but it does sit below the fortress so you do have an historical feel.
If you want to combine relaxation with splendid views for just one night and enjoy a bit of the downtown vibe, you can walk from the Parador downtown, about a 20-minute very steep walk, or take bus 35 (but it doesn't run in the late evening-last bus up from Avda de Andalucía departs at 7 pm, bus fare is €1.30) or take a taxi (maybe about 8 euros?).
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It's just as easy to get to the airport from there as most any place if you take a taxi. It isn't that much farther than from hotels in the dead center. I took a taxi to the airport from a hotel near the river and it didn't cost that much. Taxis aren't that expensive in Spain. It's only 15 km to the airport from there.
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Robert: Would you let us know which paradors have pools that remain open all year long, besides the one in Malaga? Thanks!!
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We subscribe to the Parador newsletter and there was a notice yesterday about the summer opening of the pools. Actually there are 4 rather than 3.
The two Paradors in Canarias, La Gomera and La Palma, have pools open all year.
Mazagón's pool as well (in Huelva).
La Granja's pool is currently closed for renovation.
Mojácar's pool opens in March.
El Saler's in April and closes in October.
Cádiz's April 1 and closes October 12.
Speaking of Málaga and pools:
There's a spectacular 5 star Grand Luxe hotel opening in Málaga sometime (?) in October (opening has been delayed)----to be called the Gran Hotel Miramar.
It was inaugurated in 1926 by Alfonso XIII (same grand style as the Ritz, Palace, Seville's Alfonso XIII), known then as the Hotel Príncipe de Asturias, and served as a hotel, a hospital during the Civil War and a palace of Justice.
The emblematic building faces La Malagueta and the sea.
It will offer 172 rooms and 26 suites, one indoor pool in the Wellness Spa and two semi-heated outdoor pools (one can be used in winter), restaurant, VIP lounge, garage with valet and 9,000 square meters of garden. It will be run by the Santos group who run Valencia's Las Arenas Balneario.
Rooms will be all white, contemporary/minimalist is style with some Moorish touches.
When it opens there will be a promo offer of 25% off the best rate and a complimentary upgrade.
One to watch.
Here's a preview:
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Wow Robert, things are for sure happening in Málaga now, and glad to see that much of it make good use of history and historic buildings.
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Or, you could stay downtown but go up to the Parador for lunch.
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Speaking of good use of Málaga's historic buildings and Málaga's becoming a "city of museums",
by the end of the year (maybe, sometime?) there is supposed to be yet another new museum, the Museo de Málaga, housed in the Palacio de la Aduana (Customs House) which will be a combo Fine Arts Museum, Museo de Bellas Artes, and Archeology Museum.
It's a 40 million euro project that has taken years to carry out.
Here's a preview of what it's supposed to look like-
A taxi to the airport should cost around 20 euros. There's a 5.50 euro supplement for airport runs and a 0.45 euro supplement for bags over 60 cm carried in the trunk.
While I don't want to talk you out of a one night stay at the Parador, I like chapla's (and Bedar's) idea of staying downtown and going up to the Parador, maybe for the buffet breakfast, views and visit to the Gibralfaro Castle.
Like the Parador in Toledo with its great views, the terrace bar area does get busy with visitors during the day and evening who come up for a look and a drink, so service at peak hours on the terrace can be slow.
Lunch is served from 1:30-4:00. The fixed price, 3-course menu costs 33 euros or you can order a la carte.
Another idea.
From downtown, at the Alameda, we took bus 16 to reach the fantastic new museum duo, the Museo Automovilístico y de La Moda (vintage automobiles and fashion, really well done) and the Museo Ruso St Petersburgo, both housed in the Tabacalera complex (former Royal Tabaco Factory), sitting side by side. They're both very worthy of the short bus ride. We spent about 2+ hours there. There's no combo ticket.
The bus 16 drops you right in front of the entrance.
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Thanks so much for your input. We are currently leaning toward finding a nice hotel downtown and perhaps taking the bus up to the parador.
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Maisy's Fire Engine
Written by Lucy Cousins
Illustrated by Lucy Cousins
Part of the Maisy Series
Lovereading4kids Price £4.79
£5.99 saving £1.20 (20%)
Maisy's Fire Engine by Lucy CousinsIt's Maisy to the rescue in this delighful fire-engine shaped book of fun and learning! This attractive, shaped Maisy board book provides the perfect introduction to the theme of transport; it is die-cut in the shape of a bright red fire engine with Maisy waving along with her friend Cyril. Cyril checks the water in the fire hose, but he sprays it too near to a little black cat, who is scared and climbs onto a house. But brave firefighter Maisy fetches a ladder and brings her down again!
About the Author
Other Formats
Book Info
Board book
18 pages
Interest Age: 1 years +
Lucy Cousins
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Author's Website
Walker Books Ltd
Publication date
5th January 2009
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Langhorne Slim
- Record Label: Kemado
- Release Date: Apr 29, 2008
- Critic score
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- By date
Slim's range and depth are on full display this time out--with Langhorne Slim, he has painted his first near masterpiece, marking himself as a true artist whose work should be followed with a careful ear from here on out.
Langhorne Slim is a well-crafted but blessedly unfussy collection of songs about the simple pleasures of being young, rakish, and devil-may-care.
Though Langhorne Slim has its delights, one would be remiss not to note its flyover country.
While Scolnick hasn't refined his oftentimes maudlin lyrical sensibilities to match his serious taste for pop hooks, his honeycombed, hopscotching vocal delivery now has some muscle to back it up.
It's not that there aren't any engaging moments here--'Restless' is nicely minor and introspective, and the simplicity of 'Oh Honey' actually works quite well--but there are too many misses in between, enough to mar the good parts of Langhorne Slim, making for a sadly unfulfilling release.
The overproduction of the record is a constant detriment: a large part of Langhorne's charm is in the rawness of his sound and his unrestrained vocals, but these songs lack the wild-eyed, howling passion of his earlier recordings, even if lyrically they are much stronger than his previous songwriting efforts.
Uncut'The Tipping Point' is typical of the album as a whole, a rush of hoe-down guitars and echo-laden drums topped off with a half-yelp of a vocal that recalls a slightly more unhinged Jack White. [July 2008, p109]
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text: Getting fit - its just like riding a bike! 29 Mar 2017 Northumberland residents are being encouraged to pedal their way to a fitter, healthier future. Find out how you can take part in cycling classes in our state-of-the-art Myride studios. Read More Fancy becoming a lifeguard? 17 Mar 2017 Enrol NOW on the RLSS UK National Pool Lifeguard Course! Read More Druridge Bay Fitness Centre officially opens 14 Mar 2017 A brand new, state-of-the-art fitness centre has been opened in Druridge Bay. Read More Newbiggin library books into a new home 14 Mar 2017 Newbiggin Library opened its doors last week as it booked into its new permanent home in Newbiggin Sport and Community Centre Read More Berwick Leisure Plans - Have Your Say! 08 Mar 2017 The public are being invited to have their say on exciting plans for a brand new leisure centre in Berwick. Read More Morpeth Leisure Centre Plans Reach Next Stage 08 Mar 2017 The public are being invited to have their say on the latest stage of plans for a brand new leisure centre in the heart of Morpeth. Read More Teens get ACTIVE in Northumberland 06 Mar 2017 Young people in Northumberland are being encouraged to get active with discounted leisure membership and a special new programme of fitness classes. Read More NEW! Active Northumberland App 02 Mar 2017 Book classes on the go, view all the timetables, access special offers, view news alerts and MORE! The app will be launched at Concordia Leisure Centre and Wentworth Leisure Centre first followed soon by all the other centres. Download it NOW and tell us what you think! Read More Let's Move for a Better World 2017 28 Feb 2017 Your centre needs you! We are taking part in Technogym's "Let's Move for a Better World" challenge and we need you on our team! Register NOW at one of our 3 participating centres - Ashington Leisure Centre, Concordia Leisure Centre and Prudhoe Waterworld Read More Beat the bulge and get ACTIVE 27 Feb 2017 Find out how Aquafit helped Julia slim down from a size 20 to a size 12 swimming costume! Read More Prev 1 2 Next


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You know those podcasts where famous people recount their lives and careers, and then things get emotional? That is NOT this show! Hosted by internet superstar Grace Helbig, "Not Too Deep" is a ridiculous, silly, and unapologetically superficial interview podcast, that is more about the laffs than about the feels.
Parental Advisory
February 8th, 2016
Episode 54 of 103 episodes
Aaaaaaaaand we're back! Did you enjoy our little break? I hope so. Because it's over now. Time to get back. into. IT. And seeing as how Valentine's Day is soon upon us, I thought we'd kick off Year 3 of Not Too Deep with another round of rants with Mitchell Davis and Jack Ferry. So let's talk about bad dates, elementary school card exchanges, digital dating, and our hopes and dreams for you, this Valentines Day 2016! -This episode is brought to you for free by our terrific sponsors ibotta, Third Love, and Penguin Random House's "Feverborn" series. Please support them so they continue to support us!
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The Art of Charm Podcast is where self-motivated guys and gals, just like you, come to learn from a diverse mix of experienced mentors, including the world's best professional and academic minds, scientists, relationship experts, entrepreneurs, bestselling authors, and other badasses. This show will make you a better networker, better connector, and -- most important -- a better thinker.


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이명숙님의 아이디어 더 보기
A little sewing inspiration as I sit down this week to make myself a few linen tunics and possibly a dress. Nothing I make will look as cut...
apuntob - S/S 2015
apuntob - S/S 2015
diary / evam eva|kondo knit co.,ltd
Take away the cardigan, black tights and switch up the shoes, this could be lovely and not so dumpy.
White Linen Shirt | cendre
Blouse with tucks, LINNET Japanese Pattern
diary / evam eva|kondo knit co.,ltd


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As I face changes in my health care coverage, this is a question I ask often. The following is an oldie but a goodie that I just had to share once again. Hope it makes you smile:
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11 Tuesday Oct 2016
Posted Uncategorizedin
It's that time of the year when scary things happen. I'm not talking about Halloween. I'm talking about open enrollment into insurance and Medicare plans. Read more on RheumatoidArthritis.com here: https://rheumatoidarthritis.net/living/two-scary-words-open-enrollment/
Thanks for checking in.
11 Saturday Jun 2016
Posted Medicalin
I wrote about this subject a while back when I discovered my insurance company had listed all my lab/test results for the two-year period I had been covered with them on their website where I could refer to them. https://carlascorner.wordpress.com/2011/04/13/privacy-what-privacy/ And I also assume that the several thousand people who do customer service work for the insurance company could see them as well. I questioned (as I still do) the insurance company's right to the information (and when/where I gave it to them) and certainly their right to publish it in such an open forum.
Let me just say that I am and will eternally grateful for insurance companies. Without them, my health and quality of life, which is dependent upon affordable health care, would be in a far different state than it is today. I further highly respect their fiscal responsibility to try to control health care costs. But I tend to think the boundary line needs to be drawn at approving procedures and medications, not being privy to personal test results. Or giving medical advice (which is the doctor's job).
This has
pissed me off come up again because I just received a letter from my current insurance company. It's actually entitled a "Care Consideration" that's an alert about something that might be improved. In this instance, they're recommending that I get a Hepatitis B vaccination. I'm not exactly sure why they think this — they didn't say. I suspect that it's because one of my liver enzyme tests is slightly elevated and has been for some time. Between being a bit overweight (which translates into fat in the liver) and taking some very strong RA drugs that can affect the liver, you can pretty much anticipate things to be a lot more out of whack than they are. My gastroenterologist, my rheumatologist, and my primary care physician (PCP) have all weighed in on my liver enzymes and I'm monitored with lab work every four weeks. NONE of my doctors have said a word about getting the Hepatitis B vaccine. So where does the friggin' insurance company come off giving me medical advice?
And then I kind of laughed because I immediately wondered if they would even cover it, even though they recommended it.
As it turns out I have an appointment with my PCP next week for the medical clearance for my upcoming ankle surgery. Being the good patient I am, I am taking the "Care Consideration" letter along with me. The discussion will no doubt cause my blood pressure numbers to go through the roof. I wonder what my insurance company will say about that?
I hope whatever care consideration there are in your life bring you a smile. Thanks for checking in.
06 Wednesday Jan 2016
Posted Uncategorizedin
So if you don't want to read a long, whiney post, just keep on scrolling. I posted something earlier today that's a whole lot more uplifting.
I officially left the workforce in November. From an insurance standpoint, this means that I was covered by employer's policy through the end of the November. In December, I was able to continue that coverage under COBRA which simply meant that I paid 100% of the premium instead of the company paying a portion. As I had met 100% of deductibles, out-of-pocket, etc. and everything (including prescriptions) was being paid, it was a good deal. It took some diligence to make sure everything was in place and that coverage didn't lapse. The Thanksgiving holiday slowed some progress, but everything worked out.
Now last year, through December, medical coverage was through Insurance Company A. My ex-employer switched insurance providers starting January 1 to Insurance Company B. In order for me to continue coverage, I had to pay my December premium to Company A. Once I paid for December, my information was to be transferred to Company B for coverage under the new policy starting in January. I then had to pay my January premium by a certain point in December. With some hand wringing and tooth gnashing on my part, all of that happened but we got down to December 28 and I had no confirmation (even though I paid the premium) that I actually had health insurance coverage starting January 1. This was important because the first two weeks of January, I have scheduled two sets of labs, one X-Ray, three doctors' appointments, my Actemra infusion, three prescription refills, and four physical therapy sessions — all of which had to be verified with the new Insurance Company B. But finally on December 28 I was able to print out a temporary insurance card and start providing the pertinent numbers to those various people who needed it.
So I'm feeling pretty good. I start January with a sense of accomplishment that even though I had been treading some pretty treacherous waters, I had successfully transitioned from group coverage to COBRA and then to a new insurance provider.
I guess being smug is the same thing as pride because I was feeling smug and there was definitely a fall in my future.
I was on Insurance Company B's website checking to make sure that my dentist (with whom I have an upcoming appointment) was in network. But the weird thing was that I didn't see any dental insurance coverage listed.
I contacted my old HR department. We went around the mulberry bush a few times (metaphorically speaking) before we figured out what happened. In addition to the health insurance election I made back in December, I was to have also made elections (if I wanted) for continuation of dental and vision insurance. But guess what? Those were never transmitted to me, so I had no opportunity to make the elections. So my dental and vision coverages had actually lapsed in December and therefore had not been transferred to the new provider to begin coverage in January. I didn't know they weren't bundled altogether, so I didn't raise a flag at the time. I selected the only thing that was made available, which looked like this (whatever those codes mean):
The "fix" was to go back to Insurance Company A, turn on those elections and pay the December premiums. Theoretically this would then automatically flow through to Insurance Company B where I could then pay the January premiums and once again have my eyes and teeth covered. Oh, and it's now the first week of January and I only have until January 14 to make all this happen or I lose eligibility. Previously, it took more than two weeks for each step of the process for medical coverage.
So I immediately thought to myself, "Self: It's still open enrollment. You can just find an individual dental policy and sign up for it and skip all that trauma." So while I had my old HR department chasing down how to "turn on" the original elections that should have been available to me two months ago, I start on a multiple-hour investigative journey into the land of dental policies to see if I can find a reasonable replacement on my own.
I'm sitting there after a few hours, my desk littered with printouts of policies, trying to sort out which are affordable, which have my dentist in-network, which are insurance companies I've actually heard of, and my phone rings.
It's my physical therapy provider. They can't verify health insurance benefits for my PT appointment the following morning. It appears that Insurance Company B has my birthdate wrong. Since my provider has the correct birthdate, it doesn't match what the insurance company (incorrectly) has and they won't verify that I'm covered.
So this is the first Monday of the new year, right? Insurance companies are getting slammed by people with questions. Insurance Company B's website has crashed. It won't even load. (They eventually put up an error message.) I call the customer service number. I am on hold for 46 minutes until I finally get a representative. (Thank you, Sprint for unlimited minutes …) She immediately asks me to verify my birthdate. You can only imagine how that conversation goes.
It doesn't get much better after that, compounded by the fact that English is obviously not her first language. But she tries to be helpful and eventually, after about 17 security questions, decides she's actually speaking to me and tries to fix my birthdate. She can't do it. It's one of those protected fields that only authorized users can change and she obviously isn't authorized enough. She says she's sent the request to "operations" but it may take three to five days for it to be corrected. I explain that's not good enough and ask if there is a supervisor or someone else who might be able to help. She puts me on hold. Comes back. Puts me on hold again. She finally comes back and tells me that no one is answering — she is rolling directly to voicemail. So after more than an hour, I'm not really any closer to getting the situation fixed than when I started. She did, however, tell me the issue with my birthdate. The last four digits of my Social Security number (which actually form a valid date) got input as my birth year. (I am momentarily elated as this makes me much, much younger than I actually am …) She also told me that my old company should be able to correct this issue on their administrator screens.
So I go back to my old company's HR department (who is still trying to work on my dental and vision elections) and explain the new problem. No, they can't fix it on their screens. But they did send in an urgent request to their Insurance Company representative.
Deflated, but not yet defeated, I return to my quest for dental coverage. It turns out the best policy I can find will cost about 20% more than what coverage would be through my old employer. That's actually not a lot of money as dental premiums are not that expensive for one person. The problem is, that since my dental coverage actually lapsed (through no fault of my own), I was looking at a six- to 12-month waiting period for any kind of dental procedure other than a simple clean and check. I have not one, but two crowns that need to be replaced, so that issue made my finding my own, separate dental policy a really bad idea.
I give up for the day and go drink scotch.
The next morning there is an email for me from the company HR department. They say the birthdate issue on the health insurance is now corrected. Sure enough, when I arrive at the PT appointment, they are able to verify coverage and my pharmacy has also been able to process my prescription refills.
I call Insurance Company A and ask them what the December premiums will be for dental and vision insurance. Even though neither the elections nor the premiums are showing up yet on the website, I make a payment online. As soon as the premium notice shows up, I need to have the payment waiting for it. Because it still has to be processed then transmitted to Insurance Company B in order for me to pay the January premium.
So things aren't perfect (yet). But the truly large issue of health insurance has, at least, been addressed for the moment. I have people helping me work the issue of the dental and the vision coverage. True these are, no doubt, the same people who caused the screw up in the first place, but who better motivated to correct the situation?
It's now the third work day of the new year. I hope this week is not a harbinger of the rest of the year. But I do hope your 2016 is not only starting well but will be filled with both health and happiness.
Thanks for checking in.
22 Thursday Oct 2015
Posted Health, Medical, Rheumatoid Arthritisin
So last week and this have been filled with doctors. As posted earlier, I have a good bill of health from my neurosurgeon who did my recent back surgery and also had a fairly rewarding conversation with my PCP's PA about weight loss.
I had a regular follow-up with the orthopedic surgeon who did my hip and knee replacements. The good news is he says both replacements are looking great, which is really positive news considering the hip replacement is now seven years old. Most joint replacements need revisions or replacing after 10-12 years so I'm encouraged. The bad news is that he's making noises that we might be replacing the right knee sooner rather than later. 😦
Today I had my regular rheumatologist's appointment. With the surgery and trying to get caught up with stuff at work, I really haven't had time to think about it. I've just been taking my Actemra once a week and going on about my business. I told her that taking the Actemra injection was like taking a 5 mg or 10 mg prednisone tablet. It helped for a day or two, but then wore off. She has suggested that we try to get the insurance to approve Actemra infusions where she can modify the dosage to see if we can't get a better result. She also wants to be a bit more aggressive with pain management so she has prescribed some hydrocodone. At this point, it's just one tablet at night to help me sleep. I'm really not much of a fan of hydrocodone but I keep having doctors insist on prescribing it for me. I should be grateful. There are a lot of people who really need it that, because of the new regulations, are having trouble obtaining it.
I got my lab results back prior to my rheumy appointment and they, for the most part, looked good. All my labs have always looked great. The one result that was out of line was one of my liver enzymes (again). But it was just slightly high and is probably because I'm still on Lyrica after the surgery to help with some diminishing but continued numbness in my right thigh.
The big news is that I formally gave my notice to my company effective mid-November. I am in the midst of a major project and I don't want to leave them hanging, so I'm going to wrap that up before I leave. One of the benefits offered at the company is disability insurance (both short-term and long-term), so I have applied for benefits. If awarded, I will receive a large percentage of my current salary up until my full retirement age. I'm not sure what they'll say about RA being a pre-existing condition, etc. but I guess we'll see. So in the midst of everything else, I've been scrambling trying to get my doctors to fill out the (really stupid) forms and get them in so we can get a determination. I never really actually thought I'd be retiring early due to health reasons — I more kept the insurance so I'd have income during surgery recovery if I needed it. But the point is I've been paying the premiums all this time so there's no reason not to apply for the benefits. All they can say is no and I already have that.
The good news is that I discussed this decision with all my doctors that I've seen recently and they fully support my decision to step out of the corporate world. That's a bit sobering. It's almost like I'm seeing myself through their eyes for the first time. Not one of them said anything like, "Are you sure you're ready for that?" In fact one of them said they have been amazed that I've worked for as long as I have.
Of course this will play havoc with my insurance. I'll be covered by company insurance in November. Then in December, I'll still be covered, but I'll be paying for it through COBRA. Then in January, I'll still be on COBRA, but they're switching insurance companies. Am I nervous making three major changes in my insurance coverage in three months? You bet.
In other news, Dallas is set for a major rain event. We had enough rain in May that a significant part of our area finally came out of the five-year drought we've been enduring. But it's barely rained since. In fact, October, which is one of our wettest months, has not logged more than a trace of rain all month. With highs in the 80's and 90's, it might as well be early summer. But all this sunny weather has lulled me into a false sense of security. Rain and stormy weather on the other hand, send my joints into a tail spin. So with four days and 3″ to 6″ of rain in the forecast, I may be glad that I've got that new prescription for pain medication.
Overall none of this is really bad news and some of it is actually quite good. I think I'm just tired with dealing with it all. I'm tired of not feeling well. I can't remember the last time I actually felt good. I'm tired of the stupid back brace and I've got two more months to go on my three-month sentence. I'm tired of doctors and needles and insurance claims. The thing that keeps me going at the moment that this time next month, much of this will behind me. I'll be officially "retired", the determination on the infused Actemra will be in, and the determination of the disability will be in. My biggest problem should be finding something new to whine about.
Thanks so much for "listening" to me whine and thanks for checking in.
29 Monday Dec 2014
Posted Uncategorizedin
December brings a lot of milestones including the Christmas and Hanukah holidays, the Winter Solstice, and New Year's Eve with its endless "Best Of" lists and unrealistic resolutions for the coming year. Equally ubiquitous are deadlines for making commitments for the coming year's health insurance. Whether you're covered by your company's insurance (I'm not), purchasing health insurance on your own (that's me), or by Medicare, you have to make important decisions that will impact both your health and your pocketbook for the next 12 months.
Read the rest of the post here: http://rheumatoidarthritis.net/living/insurance-trap/.
28 Monday Jan 2013
Posted Rheumatoid Arthritisin
The first of the year is a busy "doctor time" for me. A week or so ago I had my annual mammogram and retina check (not the same doctor) followed a few days later by my every-four-month visit with my internist. This week I have my annual dermatology exam, meeting with the spine guy about the issues with my back and follow-up with my knee guy about the potential Hyalgan injection treatment for my left knee. In the upcoming couple of weeks I also have my regular rheumy check up along with the follow-up with my shoulder surgeon. And of course, there is the monthly run to the pharmacy that, between my prescriptions and my husband's, runs me about $300 after insurance.
You see that's the rub. It appears that there's been yet another clerical error and not only am I not covered by insurance at the moment, I haven't been since January 1. You'll recall this happened earlier when I changed from employee insurance to COBRA at the end of November. This time it has to do with the annual open enrollment at the end of the year. The HR people are working on the issue, but I found out about this when I had to shell out $$$ for prescriptions this weekend. Going back to the claims statement, it appears that my earlier doctors appointments haven't been covered, either. I am just hopeful that they will resubmit the claim and, when they do, this mess will be straightened out. With the cash flow hemorrhaging I'm doing on the house renovation, I really don't need to be paying full price for specialist visits.
The good news is that the house is moving along. After some issues, we're finally getting the floors finished. I need an extra coat of paint in one room, then the painting is done. The kitchen cabinets are being installed even as we speak. We have countertops, tile, and clean up to finish, then hopefully the end of next week we can move home. (There's a potential disastrous delay on the countertops in the works, but that's another story.)
This weekend I decided that I would clean the kitchen tile well before the cabinets were installed. It's not a very big area, but by the time I was done with a mop and a rinse, I could really tell the toll that RA has taken on me. What would have been a quick, painless job just a couple of years ago turned into an arduous adventure. My hands hurt, my back hurt, my knees hurt, my feet hurt.
But again, good news. With all this stress and extra physical activity, I haven't had a flare. (Fingers crossed.) I guess the meds are actually helping keep things under a level of control.
So that's my life at the moment. Hope yours is rolling along smoothly. Thanks for checking in.
13 Thursday Dec 2012
We've all seen those movies where the person backs up one step too many and finds themselves falling over the balcony, or the cliff, or the edge of the building. Or perhaps they hear the crack of the ice before they fall in or the click of the trigger of the land mine they've just stepped on.
I've always imagined that would be the most horrible feeling — knowing that your life was suddenly and completely in danger and utterly out of your control.
That's how I felt Tuesday night.
My husband and I had gone to have a nice dinner and, as the restaurant was close to the pharmacy, I asked that we stop on the way back to pick up a prescription refill that I'd called in. It wasn't one of those "urgent" prescriptions, so I had not taken the time to pick it up for a couple of days.
The pharmacy aide who knows me by sight, was reaching for my prescription even as I approached the counter. Then he kind of looked at me odd, lowered his voice and asked, "Have you had a change in your insurance? When we ran this through, it came back that your insurance was terminated."
Crack. Click. Fall.
Now I can't disclose the particulars of my severance agreement with my past company, but I will say (to their credit) there was a great deal of understanding about my health issues and I had been assured that the transition from insurance to COBRA coverage would be seamless.
It was a relatively inexpensive prescription, so I just paid for it knowing that when all of this got straightened out I could file for a reimbursement. However this was also the night before my rheumatologi$t'$ appointment and I really didn't want to pay that out-of-pocket, particularly since I thought she might be injecting a joint or two.
Next-morning calls to the benefit supplier indicated that they had sent the notification to the insurance company concerning my coverage. Calls to the insurance company revealed that if they had received the notification, it hadn't trickled through their system as yet because my coverage was, indeed, terminated as of November 30.
This story has a happy ending for me. Frantic emails to my old HR team worked magic and by the time I got to my rheumy appointment, the insurance system was once again agreeing that I was covered.
I can't forget, however, the horrible feeling of suddenly finding myself uninsured and the great relief that I hadn't been in a car accident or serious fall for the previous week. And as I look toward this joyous holiday season, I can only send up a prayer for those who, unlike me, haven't had happy endings to their employer-sponsored insurance plans and who face the future with families and chronic diseases, but without insurance.
When I count my blessings, insurance is surely near the top of the list.
The friends I've made through this blog are right there at the top as well. Thanks for checking in.
13 Wednesday Apr 2011
Posted Healthin
I love online access to information and services. I research (everything) online, I shop online, I bank/pay bills on line, I connect to family and friends on line. When my Internet goes out, my whole life stops.
One of the things I really appreciate is the information I can get from the insurance company about claims and benefits. I'm old enough to remember when you had to submit paper forms (yourself) along with copies of the doctors bills. It might be months before you found out what they paid and months later to straighten out an error.
I was poking around my insurance website the other day to see if the charges for my MRI had been filed yet (as I normally get a refund) and I stumbled across an area about "my health records". It had several tabs including one that listed all my health care providers I'd seen and their contact phone numbers (cool), along with how many times I'd seen them. Then there was another list of all the procedures I'd had done. I decided that was okay, too, since I'm asking the insurance company to pay for said procedures, you'd assume they'd be told what those procedures were.
What I didn't expect to find (thank you very much) was a list of all my test results. Yep, that's right. Every test result for the two years that I've been covered by the insurance company is listed right there online. Not only do I have access to it, I'm assuming that the several thousand employees of said insurance company have access to this information as well.
I'm sure I signed something somewhere that gave my doctors the ability to share treatment information with the insurance company, but I was expecting information about the treatment PROCEDURES to be shared, not the treatment RESULTS.
I actually found this section of the site because on my personal home page there was an alert telling me I could click on a link to find out ways to help keep my triglycerides low. My immediate response was how did they know about that? And what kind of insidious system do they have that scans all the results for abnormal reports and builds automatic links on people's login pages? I think we're sharing a little TMI.
George Orwell is alive and well and working in the insurance industry.
Hope that whatever Big Brother sees you doing today brings you peace and happiness. Thanks for checking in.
04 Wednesday Nov 2009
Posted Health, Medical, Rheumatoid Arthritis, Simponiin
I've decided that money is just like air: it's not important unless you don't have any.
I'm very fortunate in that I have a job that I like and it pays well. The benefits are good — they support my $1800/mo. Simponi habit. My husband owns his own architectural firm and while he's not Frank Lloyd Wright, it has had consistent business over the years. We're a long way from being rich (particularly based on Dallas standards), but our income supports our relatively modest lifestyle and allows us to indulge our passion for travel on a fairly regular basis.
I grew up [really] poor, and I've worked hard starting at a very young age to get to where I am today. The last 15 years or so I had my own consulting business, which takes an enormous amount of hard work and long hours if you don't want to starve. I closed my consulting firm and ran for cover under the corporate umbrella about a year ago when I saw the economic handwriting on the wall.
What I would really like to do, what I've never had the opportunity to do, is to either stop working or cut way back — perhaps do some project work at home. I love keeping house and cooking. I'd like to be able to seriously work on my second novel — which has been gathering dust for over a year. I'd like to be able take exercise classes in the middle of the day — instead of missing them because I'm working late (again). I'd like to indulge those days when I don't feel well without worrying if I have enough time off accrued.
And while our lifestyle would become even more modest, and travel become less frequent, we could manage on my husband's income alone. The other night when I got home after a particularly grueling day, my husband even told me that if that's what I really wanted to do, that he's right there behind me all the way.
It sounds good until I look back just a few months ago when my husband had his triple-bypass surgery. What if he had not survived or had not been able to return to work? What if that had happened and I had already quit my job? It made me realize that as comfortable as our lifestyle is today, we, like many people, are one major health event from potential financial disaster.
We just applied (and were finally approved) for long-term health care insurance. This was right after my husband's heart surgery. It seemed to take a while for things to move through and yesterday I spoke with our agent. It seems the hold up was not my husband's health, but my RA. In fact, my RA disqualified me for one of the benefits we applied for (a waiver for the waiting period for home health care), and put me in a sub-prime group, which increased the premium on my policy. My policy has less benefits and costs more than my husband's who has had open-heart surgery.
I tell people that I don't necessarily believe the phrase, "If you have your health, you have everything," but I'm a firm believer that if you don't have your health, it impacts everything.
I've also decided that health, like money, is a lot like air. When you're young, healthy, and invincible, you don't pay attention to it because whatever you're doing is working, right? But when you're health becomes an issue, it's like getting that after-Christmas credit card bill in the mail.
So take care of your health budget. Put some nutrition, exercise, and rest in the savings bank, and they'll pay dividends well into the future.
Thanks for checking in.


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Is the Playing Field Leveling in Peru? The Evolution of Children's Opportunities Javier Escobal, GRADE & Young Lives –Peru (and LCSPP/PREMPR – World Bank) Human Rights, Development and Economic Growth - Metrics, New Ways of Thinking, and New Strategies April 7-8, 2011, Elliott School, Washington, DC
Outline o Motivation: Recent trends in Poverty and Inequality o The Human Opportunity Index o Results based on Repeated Cross-Sections LSMS o Some additional Results from a Longitudinal Sample Young Lives (Niños del Milenio) Access versus quality Multiple deprived children
The Context: Recent trends in Poverty and Inequality Peru 2004-2009 - Poverty incidence and Gini coefficients Poverty Peru Poverty Urban Poverty Rural Gini (per capita expenditure) 2004 48.637.169.8 0.375 2005 48.736.870.9 0.379 2006 44.531.269.3 0.385 2007 39.325.764.6 0.379 2008 36.223.559.8 0.353 2009 34.821.160.3 0.358 Sources: Poverty and Gini figures come from ENAHO 2004-2009. Gini figures are obtained from spatially price adjusted per capita expenditures. Adjusted Gini corrects the inequality index by the discrepancy between household survey data and national accounts.
The Context: Inequality o Some gaps are narrowing … but some gaps are expanding o Education (gap ↓) o Urban/Rural (gap ↑) o Large, Medium, small cities, rural towns, and disperse rural areas (gap ↑)
In relation to Children Wellbeing Basic Statistics: Child Wellbeing 20002005200720082009 Stunting (chronic malnutrition) Peru (NCHS/CDC/OMS standard)25.422.922.621.518.3 Urban13.49.911.8 9.9 Rural188.8.131.526.032.8 Bottom 20%N.A.46.845.145.037.1 Top 20%N.A.220.127.116.11.3 Low Weight at Birth (<2.5 kg) Peru (OMS standard)N.A.188.8.131.52.1 UrbanN.A.18.104.22.168.6 RuralN.A.10.69.58.98.4 Bottom 20%N.A.12.111.710.38.9 Top 20%N.A.126.96.36.199.9 Source: INEI. Based on DHS Survey
The Context: Inequality in the access to basic services in Children o In addition to stunting and low weight at birth: Acute Diarrhea (gap ↓) Pre-natal checkups (gap ↓) Delivery in a Health Institution (gap ↓) Growth monitoring (gap ↓) Full Immunization (gap ↑) Acute respiratory Infections (gap ↑) Access to identity card (gap ↑) Anemia (gap ≈)
Probability of Starting Primary School on Time (2009) Rosa is one of five children of a single mother whose native language is Quechua and who received only one year of formal education during her own childhood. The household's income falls in the bottom quartile among all Peruvian households. Luis is the only child of high school-educated parents whose native tongue is Spanish. His household is among the top quarter in terms of income
Inequality of Opportunity o The Human Opportunity Index ( O) incorporates into a single composite indicator both overall access rates and the D-index measure of opportunity distribution. o The index combines average access to opportunities with how equitably those opportunities are distributed ( D). The proposed index is given by
Areas with big Improvements Finishing primary on time HOI (level) HOI (annual change)
Areas were improvement is meager: Access to drinkable water HOI (level) HOI (annual change)
Results from Repeated Cross-Sections: Education 2004 2009 Coverage rate (%) Dissimilarity Index (%) HOI (%) Coverage rate (%) Dissimilarity Index (%) HOI (%) Pre-school attendance (4-5)77.5110.3669.5 82.806.7777.2 Begin primary school on time67.0410.4660.0 70.259.1763.8 Finish primary (6th) on time54.7517.4645.2 58.3414.5549.9 School attendance (ages 10-14)94.682.1792.6 96.841.2995.6
Relative importance of different circumstances in determining HOI for Education (2009)
Finishing Primary on Time
HOI related to Access to key Household Services 20042009 Coverage rate (%) Dissimilarity Index (%) HOI (%) Coverage rate (%) Dissimilarity Index (%) HOI (%) Adequate water supply57.8421.5745.461.0020.3448.6 Adequate sanitation58.5625.3343.765.1915.9854.8 Electricity68.2824.1251.878.6614.4867.3 Access to telephone14.6945.398.062.9817.7051.8
Relative importance of different circumstances in determining HOI for Infrastructure (2009)
Evidence from Longitudinal Data: Young Lives o Young Lives: An international study of childhood poverty 12,000 children in 4 countries over 15 years) Longitudinal project gathering comparable information in Ethiopia, India (Andhra Pradesh), Peru and Vietnam o In Peru YL is tracking a representative sample of Peruvian children from two cohorts: a younger cohort who were aged between 6 months and 18 months in 2002 (born 2000) and an older cohort of children aged between 7.5 years old and 8.5 years old in 2002 (born 1994) o Advantages from the point of view of studying Inequality of opportunities o A larger set of circumstances o A larger array of Child wellbeing indicators (opportunities) o Following the children through their life cycle. o Data in the Public Domain
Evidence from Longitudinal Data: Young Lives o Taking advantage of a broader set of circumstances at least for Peru, extending the basic sets of circumstances (i.e. urban/rural residence location; per capita household expenditure; gender; mother's native language; educational attainment of the head of household and number of siblings) does not have an important effect on the HOI levels or their trends. Circumstances added: altitude of the dwelling were the children lives and the distance to the health facilities (as indicators or remoteness) mother's marital status, mother's migration status and regions of residence (Costa, Sierra, Selva) Basic circumstances were already capturing the bulk of the circumstance set. In particular mother's native language; educational attainment and urban/rural location
Evidence from Longitudinal Data: Young Lives Decomposition of Human Opportunity Index Changes for selected Outcomes Younger Cohort - Panel Sample (considering extended circumstances) Coverage Effect (1) Distributiona l Effect (2) Change in HOI (3)=(1)+(2) Relative Importance of the Distributional effect (4)=(2)/(3) Has electricity7.65.913.443.7 Has proper sewerage0.80.21.020.0 Well Nourish (not stunted)-6.1-3.1-9.333.4 Well Nourish (not underweighted)0.90.41.228.7 Source: YL data using Paes de Barros et al. (2008) methodology
YL: Changes in the Human Opportunity Index Within Urban and Rural Regions URBAN HOI R1 HOI R2 Coverage Effect Distribution al Effect Changes in HOI Has electricity 126.96.36.199.704.80 Has proper sewerage 52.655.83.42-0.233.19 Well Nourish (not stunted) 77.872.5-3.60-1.73-5.33 Well Nourish (not underweighted) 94.695.80.910.331.23 Rural HOI R1 HOI R2 Coverage Effect Distribution al Effect Changes in HOI Has electricity 21.535.912.192.2014.39 Has proper sewerage 18.104.22.168.411.55 Well Nourish (not stunted) 46.934.2-13.000.32-12.68 Well Nourish (not underweighted) 86.688.50.910.961.86
Coverage Rates for Children under Alternative Circumstances Young Lives - Younger Cohort Indigenous LanguageNon-Indigenous Language More than 4 siblings3 or fewer siblings Low EducationHigh Education & Income ROUND 1 Has electricity 41.7%90.9% Has proper sewerage 6.2%73.2% Well Nourish-R1 (1-Stun) 43.5%88.2% Well Nourish-R1 (1-Maln) 83.2%98.2% ROUND 2 Has electricity 49.4%94.6% Has proper sewerage 7.7%79.2% Well Nourish-R2 (1-Stun) 32.6%87.9% Well Nourish-R2 (1-Maln) 87.9%99.0% Changes between Rounds (in percentage points) Has electricity 7.7%3.7% Has proper sewerage 1.5%6.0% Well Nourish-R2 (1-Stun) -10.9%-0.3% Well Nourish-R2 (1-Maln) 4.7%0.8% Note: Indicators are based in the Panel sub-sample
For the Older Cohort Human Opportunity Index Decomposition for selected Outcomes Older Cohort - Panel Sample (considering extended circumstances) Change in Coverage Effect (1) Distribution al Effect (2) Change in HOI (3)=(1)+(2) Relative Importance of the Distributional effect (4)=(2)/(3) Has electricity6.95.412.3 43.9 Has proper sewerage3.03.56.5 53.4 Well Nourish- (Not Stunted)-6.8-2.1-8.9 23.9 Verbal Skills29.011.040.1 27.4 Math Skills37.913.351.2 26.0 Not being overage5.9-0.15.7 n.a. Not working-5.8-0.3-6.0 4.8 Source: YL data using Paes de Barros et al. (2008) methodology
Conditioning for first round opportunities in Round 2 HOI for Well Nourished Children (not stunted) Younger Cohort Round 1Round 2 6-18 month4.5-5.5 Years Basic Circumstances Basic Circumstances + Outcomes R1 Urban77.872.571.5 Rural46.934.230.1 Gap30.938.341.4 Note: Outcomes R1 include Electricity, Water, Sanitation, Vaccine card
What happens when we look at individual trajectories?
Basic and Extended Sets of Circumstances and Nutritional Trajectories between ages 5 and 8 Basic Set of Circumstances Catch up between 5 and 8y Stunted at 5 and 8y Child sex (1=male)46%52%* Mother's language (1=spanish)51%40%* Education of the Household Head (years)6.75.9* Single Parent household (2006)13% Number of siblings (excluding index child) (2006)1.82.1 Assets Value Index 2006 (at Median Prices of 2006)764542 Per capita household expenditure 2002 (monthly)7368* Per capita household expenditure 2006 (monthly)9184* Per capita household expenditure 2009 (monthly)107101 Altitude (2006)21612234 Female head of household (2002)88%90% Mother's education (years of formal education)6.04.7*** Area of residence (2002) (1=urban)41%33%* Area of residence (2006) (1=urban)45%35%** Area of residence (2009) (1=urban)52%39%*** The household has received Juntos conditional transfers in some period between 2005 and 200936%46% Number of months the family received CCTs between 2005 and 20097.610.1* Statistical difference at 99% (***) 95% (**) and 90% (*) confidence Source: own estimations based on Young Lives dataset. Only younger cohort is analyzed (i.e. children born in 2001)
Early opportunities and increasing access to basic services Recovered from stunting between 5 and 8y Stunted at 5 and 8y Nutrition and Health related opportunities Received pre-natal care90%87% Normal weight at birth93%90%* Was not weigthed at birth20%23% Has a vaccination card (2002)88% Low height for age in 2002 (Stunting)38%76%*** Low weight for age in 20027%23%*** Consumed proteines in last 24hours-200688%84% Cognitive related opportunities School attendence in 2006 (preschool level)77%70%* Access to basic services Improved sanitation facilities At age 1 (2002)64%63% At age 5 (2006)78%74% At age 8 (2009)93%86%*** Improved drinking water At age 1 (2002)47%41% At age 5 (2006)48%46% At age 8 (2009)69%68% Time to the nearest education center10.88.8 Time to the nearest health center48.844.2 Statistical difference at 99% (***) 95% (**) and 90% (*) confidence Source: own estimations based on Young Lives dataset. Only younger cohort is analyzed (i.e. children born in 2001)
One last Topic: Capturing differences in quality: the devil is in the details Coverage rate (%) Dissimilarity Index (%) HOI (%) Education School attendance (ages 10-14) (ENAHO 2009)96.841.2995.59 Begin primary school on time (ENAHO 2009)70.259.1763.81 Finish primary (6th) on time (ENAHO 2009)58.3414.5549.86 Coverage rate (%) Dissimilarity Index (%) HOI (%) Electricity Some Access to Electricity (YL Round 1) 60.6825.0945.45 Electricity all days (last 15 days) (YL Round 1) 58.8525.3343.95 Electricity 24 hours (YL Round 1) 57.8625.4143.16 Coverage rate (%) Dissimilarity Index (%) HOI (%) Water Access de piped drinkable water (YL Round 2)59.1211.7052.20 Access 7 days a week (YL Round 2)47.7111.3142.31 Access 24 hours (YL Round 2)21.4515.2718.17
Thanks! YL data available at ESDS - UK http://www.ninosdelmilenio.org http://www.younglives.org.uk
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Since passage of the Endangered Species Act in 1973, over 1,300 endangered species have been protected in the United States and its territories. In the forthcoming issue of Ecology Letters, Male & Bean assess 14 years of endangered plant and animal status trends and show that the length of time species are protected, and the amount of money spent on their conservation are key variables in explaining trends.
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This study emphasizes the need to consider the ways in which agencies administer and the U.S. Congress funds the Endangered Species Act in judging whether the law is a success or failure in recovering biodiversity. This issue has become a major focus of political battles over this controversial environmental law.
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About the CIO Summit
Conferenz and IDC are very pleased to be hosting the CIO Summit once again.
As companies and industries strive to innovate and change in the digital environment, the CIO's role has had to adapt. This year the New Zealand CIO Summit examines the impact the CIO has in building the future's resilient, innovative and forward-thinking businesses and organisations.
Each year we undertake extensive research and we have listened to your requests - with more structured networking opportunities, how-to masterclasses, extended time to explore the expo and high calibre keynote speakers, the CIO Summit provides an ideal platform for engaging with and learning from your peers.
This year the NZ CIO Summit will host over 50 fantastic speakers at the event including:
- Frank Gens, IDC (USA)
- Dr. Jonathan Reichental, City of Palo Alto (USA)
- Leo Minervini, Carlo's Bakery (USA)
- Michael Cooper, BT PLC (UK)
- Tim Occleshaw, Government CTO
- And many more…
Focusing on how the CIO can navigate the digital and technological revolution, speakers will discuss:
- Dawn of the DX Economy: Positioning for Leadership in an Accelerating World
- Inspiring Your Digital Transformation
- The future of an industry – people, place and technology
- Expectations for technology growth and innovation from the board
- From product focused to customer-centric – successful business transformation
- Digital Leadership – Aligning vision, passion and technology
- Transforming the Technology function
- Balancing technology requirements to deliver what customers need, expect and want
To see highlights and keynote insights from 2016 around enabling innovation see the links below
We look forward to seeing you all at the 2017 New Zealand CIO Summit.
Steve Scott
Managing Director, Conferenz
Ullrich Loeffler
Managing Director, IDC Australia and New Zealand
About Conferenz
Conferenz is NZ's largest and most respected conference and training company. We provide conferences and summits under our Conferenz brand and public and in-house training courses under our Brightstar brand.
We have been providing conferences and training for NZ's corporates and public sector for over 16 years. Owned by Steve Scott, Conferenz is proudly NZ-owned and operated. We are also proud to play a significant part in the NZ community through our charitable, environmental and sustainable initiatives.
About IDC
International Data Corporation (IDC) is the premier global provider of market intelligence, advisory services, and events for the information technology, telecommunications, and consumer technology markets. With more than 1,100 analysts worldwide, IDC offers global, regional, and local expertise on technology and industry opportunities and trends in over 110 countries. IDC's analysis and insight helps IT professionals, business executives, and the investment community to make fact-based technology decisions and to achieve their key business objectives. Founded in 1964, IDC is a subsidiary of IDG, the world's leading technology media, research, and events company. To learn more about IDC, please visit www.idc.com. Follow IDC on Twitter at @IDC.