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Social Change Story: Planned Parenthood
Women's Fund Grant Partners move needle for positive social change & gender equality. To illuminate the grantmaking in action and the work being done for women and girls, we are bringing their stories to you.
Planned Parenthood of Greater Ohio's Peer Education Program successfully recruits and trains teenage women to be peer educators. Participants receive training in an evidence-based prevention curriculum to directly educate 750 of their peers and community members on preventing unintended pregnancies, reducing sexually transmitted infections (STI's), and combating harmful gender stereotypes. By completing the program activities at community events and various schools, peer educators strengthen their peers' ability to identify and reduce risky behaviors, assess the impact of rigid gender roles on developing self-esteems and risky sexual behaviors, and use assertive communication skills.
We sat down with Erica Butler, Community Education Manager and Jeseka Fuller, Community Health Educator, of Planned Parenthood to talk about their Peer Education Program, our grant partnership, and how they are sparking change in the community:
- As an organization, why have you chosen to continue working with The Women's Fund? What does being a grant partner mean for Planned Parenthood?
We have always admired the work that The Women's Fund does in the community, and have recognized them to be a trusted organization that helps young women and girls in Central Ohio.
We chose to apply for a grant through The Women's Fund because we know that this organization is committed to gender inclusivity and social justice, two key components of our Peer Education Program here at Planned Parenthood of Greater Ohio. We have remained committed to our partnership with The Women's Fund because of its accessibility and continuous support—we view The Women's Fund as more than just a foundation, but as a network of opportunity. Thanks to our grant partnership, we are able to build connections with additional community partners and have the opportunity to share and learn from each other's experiences.
- Your Peer Education program focuses on creating a shift in behavior- which means what happens when people are behaving differently in the community or larger society. Can you share a time where you saw a shift in behavior occur?
We have noticed a shift in knowledge about and behavior with contraceptives among teenagers. Although we know that condom usage is overall low among high school students, the peer educators that participate in our program are passionate about informing their community members on the importance of condom usage as a method of preventing unplanned pregnancies, sexually transmitted infections, and HIV.
- At The Women's Fund we recognize how a shift can impact social change. Tell us, within your program what does this look like and why does it matter?
The peer educators are currently working to implement a condom distribution policy at one of their respective schools so that their peers can more easily access condoms.
It matters because the hope is that through this policy, high school students will gain more knowledge about the importance of condom usage and as a consequence, STI rates will fall, just as teen pregnancy rates have.
- Your program also works to create a shift in engagement- which happens when people in the community or larger society are more engaged in your issue. Can you share a time when you've seen this take place through your work?
Through the Peer Education Program, we have recognized the importance of parental involvement with our teens because most of them were reporting negative outcomes when attempting to discuss topics related to sexual health with their guardians. We know that parents are less likely to engage in these conversations with their kids, but that when kids start the conversations, we often see positive results. The Peer Education Program has created a simple platform for this type of communication to occur and be effective.
Providing parent-child worksheets has made it easier for conversations to happen between teens and their parents. We have also begun inviting parents to quarterly meetings so that they have a chance to engage and see the great work that their kids are doing. These two changes have led to more transparent conversations about not only sexuality and social behaviors, but also on other aspects of their daily lives, between teens and their parents.
We know that parents serve as the front-line educators for our teens, so implementing these aspects of the program has helped parents of the peer educators encourage other parents to have these types of conversations about sexuality and share available resources with their teens.
- From where you sit, is there a highlight that comes to mind as you see a shift start happening through your program?
The topics that we've chosen to focus on within the Peer Education Program have been guided by the peer educators themselves. They requested to learn more about how to combat gender norms in their everyday lives and wanted to create a space where it is acceptable for women to have discussions related to sex and sexuality, without being considered a taboo. Through our medically accurate, non-judgmental, and age appropriate model of sexuality education, our teens have been given information, knowledge, and resources that empower not only themselves, but also their peers, regardless of gender or sexual orientation, to discuss these topics.
Our society deems it appropriate for men to speak openly and sometimes provocatively about sex and sexuality in a way that women cannot. Men are often praised for their sexual experiences while women are judged and shamed, especially when they speak openly about sex. Our peer educators do not accept this double standard and are armed with the skills and knowledge necessary to have open, honest, and accurate conversations about sex and sexuality. Through these conversations, the peer educators are working to diminish the impact that these stereotypes have on their peers. They are disseminating the knowledge they have gained through the program and empowering their peers to make healthy and informed decisions.
Since the program's conception, our peer educators have engaged in 29,111 informed conversations about sex and sexuality and this year alone, have had over 1,760 conversations.
- Part of being a Grant Partner with The Women's Fund is recognizing the need to address gender norms. How has incorporating gender norms into your program and organization changed the way you think about the work you do?
Opening up the Peer Education Program to all genders has allowed us to think about expanding the program to community members as well as specific school districts, including males and gender non-conforming individuals.
By having peer educators engage in conversations, obtain knowledge, and share resources with their peers and community members, we are helping to create awareness around the existence of gender norms. Creating this opportunity in an expanded model in the upcoming years will allow for more awareness, not only in the community, but in the classrooms as well.
- Take a moment and think about the big picture, imagine we're 3 to 5 years down the road- where do you see your program going? Where will you be?
When we think about the expansion of the Peer Education Program, it is our hope that every school in Central Ohio has something similar. This would lead to more alumni peer educators that can continue to spread informed knowledge as they go onto their careers in the community or on college campuses. For example, one of the graduates from the program is now teaching responsible sexual health education as an extracurricular at Ohio University.
- As we're in the visionary space, as a program and organization, what more would you want from the community?
We would love for the community to be more understanding and willing to have these open conversations while removing any previous judgments or stereotypes that folks may have. We need help from the community to destigmatize active and open discussion about sexuality and sexual health. In addition, community members can be more forthcoming in adapting to the needs of their community (i.e., condom accessibility).
More information about the Peer Education Program across the entire state can be found on our website: www.ohiosexed.org or by email at: email@example.com


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Our Approach
Our Approach
No dues, no rules.
Our Story
Our Preamble
To share our knowledge of, interest in and enthusiasm for Porsche 356 automobiles;
To stimulate interest in and foster appreciation for Porsche 356 automobiles;
To help our members maintain, enjoy and preserve Porsche 356 automobiles; and
To plan sponsored events that encourage member participation.
Membership in the Club is open to anyone who has interest in Porsche 356 automobiles. Ownership of a Porsche 356 automobile is not required. Just sign up for the Outlaws monthly Newsletter (http://az356outlaws.org/newsletter/) and start attending events.
Our club is successful because of the enthusiasm and participation of our members.
Meet the Board of Directors
Steve Proctor
President and Treasurer
Pete Robinson
David Gill
Tom Reyman
Scott Evans
Newsletter & Web Site
Christian Guthrie
Next Steps...
Contact us for more information about the Arizona Outlaws 356 Club.

subset: commoncrawl


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In a Nutshell
This compact dash cam features an auto-loop recording feature as well as a 120° wide-angle lens to record the entire road ahead
Product Details
- Auto-loop recording - overwrites the oldest video file once the SD card is full
- Can easily be installed with the cigarette lighter cable provided
- 2.4'' LCD screen
- 120° wide-angle lens
- Video resolution: 1080p @ 25fps / 480p @ 30fps
- Still image size: 5 / 1.3MP
- Built-in microphone
- Battery capacity: 100mAh
- Supports Micro SD card up to 32GB (not included)
- Colour: black
To ensure we have your most up to date details please add your new postcode to your address details. If you do not know your postcode you can identify it using this link
The Fine Print
Delivery: €2.49 (not included). Allow 8 working days (Monday to Friday).
Your order: At checkout you will be prompted to enter a delivery address. Delivery address cannot be amended after order is placed.
Original value: Based on online price as sold by Uerotek, checked on 15.05.2020.
Further information: Products sold by Groupon Goods Global GmbH. For this deal the Terms of Sale and the Returns Policy of Groupon Goods Global GmbH are applicable. For more on Groupon Goods Global GmbH, see the FAQ.
Groupon may need to submit phone numbers and email address to its suppliers and/or courier companies to assist with the delivery of an order. They will only use those details to contact you to assist in the successful delivery of the order.


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Notify me when this product is available:
This 32oz Nalgene Widemouth water bottle is ready for your next Troop meeting or camping adventure. The bottle is clear with a blue lid and proudly displays the AHG logo in blue. There is also plenty of room to customize with the NEW AHG waterproof stickers!
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COVID-19 Notice
Krevolin & Horst is still open for business. However, we are prioritizing the health and safety of our employees' and clients', so our team will be working remotely for the foreseeable future. Thank you in advance for understanding any delays in responding during this time.
Current Clients: If you are trying to reach your attorney, email is the best option. You can find all contact information here.
If you have a potential matter you would like to discuss with an attorney, please fill out our contact form with a brief description of your needs and your contact information, and someone will be in touch.
For questions about your account or help with billing, please contact Laila Tehrani.
For general inquiries about the firm, please fill out the contact form or contact Erica McVicker or Laura Tucker.
Thank you again. We hope you stay safe and healthy.


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If you aren't a winter fan, but live in a cold place, I'm right there with you! I just can't seem to warm up, and besides the holidays, which are specifically engineered to keep most of us from depression, I could seriously live without winter.
Tag: fun
4 Ways to Relax During the Busiest Time of the Year
The holidays are stressful! If you feel like you're about to snap, here are a few suggestions to help you get back into the festive feel.
8 Ways to Make Christmas magical for your kids this year
Christmas is a great time of year for you and your kids. Here are eight ways to have a magical Christmas with your kids.
6 Thanksgiving Games and Activities
Have a little fun while the turkey cooks. The Gratitude Game or thanksgiving conversations starters, fun times for everyone.


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The smallest VOMAT filtration system was designed for working processes such as the final grinding, for example. Even the smallest Vomat, the F70+ sets new standards in filtration systems.
Model FA 70+
• dimensions: 1300 x 1100 x 1200 mm (l x w x h)
• filter performance: up to 70 l/min
• changeable filter cartridges
• grade of filtration NAS 9
• oil capacity for filter system ca. 600l
• back-flushable
• bag disposal (manual)
Integrated cooling system (optional):
• cooling performance 7kW
• control accuracy +/-1.5K
to the brochures (downloads)>>>


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April 28, 2021
Featuring Keynote Speaker Ann Curry
Join us for a powerful and inspiring morning with keynote speaker, Ann Curry. Enjoy a free breakfast during this uplifting one-hour program. Funds raised at the HopeBuilder Breakfast will be used to build and repair homes for local families in the Portland Metro area.
We are closely monitoring the COVID-19 pandemic and will determine the status of the HopeBuilder Breakfast in January 2021.
Where & When
Wednesday, April 28, 2021
7:30am – 8:30am
Doors open at 6:45am
Oregon Convention Center
777 NE Martin Luther King Jr. Blvd.
2021 Program
Ann Curry
Keynote Speaker
Award-winning journalist and photojournalist Ann Curry is the current Executive Producer and reporter of "We'll Meet Again," a PBS series that features reunions of people whose lives crossed, and then separated, at pivotal moments and during world-changing events. A former NBC News Network anchor and international correspondent, Curry has covered the wars in Syria, Darfur, Congo, the Central African Republic, Serbia, Lebanon, Israel, Afghanistan and Iraq, reported on nuclear tensions from North Korea and Iran. She has also reported humanitarian disasters, including the tsunamis in Japan and Southeast Asia, and the 2010 earthquake in Haiti, where her appeal via Twitter (@AnnCurry) is credited for helping to speed the arrival of humanitarian planes. She is also the force behind groundbreaking prime time hours on Climate Change, poverty in America and Iran.
Steve Messinetti
President & CEO of Habitat for Humanity Portland/Metro East
Steve began his 25-year Habitat for Humanity career working at Habitat's International headquarters in Georgia. Since taking the helm at Habitat in Portland 16 years ago, the organization has tripled the number of people served annually, and currently has plans to triple this number again over the next three years. Under Steve's leadership, Habitat has been recognized as the Green Home Builder of the Year by Earth Advantage, one of Portland Business Journal's Most Admired Nonprofits, and received the Rotary Oregon Ethics in Business Award. Steve is an active member of numerous local housing committees.
Brenda Braxton
Brenda is a morning and noon anchor for KGW TV in Portland. In addition to Habitat, Brenda loves devoting time volunteering with organizations like the American Heart Association, Raphael House, and Self Enhancement, Inc.
Wait List RSVP
At this time, our event capacity is full. Please RSVP below and if a spot becomes available, you will be notified.
Become an Event Sponsor
Sponsorships for the 2021 Breakfast are available now on a first come, first served basis. Join Habitat at this fun and popular event. Sponsorship packages are available at several levels and include premium event privileges for you and your guests. Click here to learn more or contact Tor Ostrom at 503.287.9529 x12.
Event Sponsors
Supporting Sponsors
Dunn Carney
Classique Floors + Tile
HB Design
JE Dunn
Michelle Da Rosa Land & Condo Law
On Point Community Credit Union
Walsh Construction
Challenge Sponsors
Get Notified
Sign up for our newsletter to be notified when tickets are available in February 2020 and learn about other opportunities to engage with Habitat.


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BrainTrust Query: Will Amazon's Showroom Become Amazon Showrooms?
For some time, there's been speculation on whether Amazon will open its own stores. And, as the logic goes, in order to avoid all the physical store overhead — and to take full advantage of its distribution engine — opening showroom-only locations would be most likely. I thought it would be a good exercise to examine if this makes sense.
It's hard to define Amazon. Are they a retailer, a shopping focused social network, a fulfillment company, a technical services company? To make them the power that they are, it's apparently all four. Retailers can use the Amazon network to promote their own offerings, consumers can read and post product experiences, manufacturers can direct ship their products from fulfillment centers, and IT software companies can build their solutions on the Amazon services network. Everyone is happy. Well, except for brick and mortar retailers, of course.
For years, brick and mortar retailers have complained about online retailers not being required to collect sales taxes, and most of the ire has been directed Amazon's way. Now it looks like that advantage will finally be lost. It also means Amazon will no longer be required to avoid creating a "nexus" (physical presence) in each state. More recently, the complaint has been that brick and mortar stores are becoming showrooms for the online retailers. With a (still speculative) same-day delivery service, Amazon would hope to satisfy the impatient consumer with near immediate gratification. This would only exacerbate the showrooming issue.
But if Amazon is truly able to create a better online shopping and fulfillment experience that drives the brick and mortar stores out of business, where would consumers go to see merchandise before they order it? Will Amazon eventually need to open its own showrooms? Is there a new retail business model evolving that consists of a super-fast fulfillment capability supported by consumer-facing showrooms?
I can see Amazon creating a local presence whose emphasis would be customer service and implementation. Consumers would shop for their new stove at the local showroom, but the delivery and installation would be coordinated from the fulfillment center. The local showroom would demonstrate a new entertainment center, but the installation would originate from the fulfillment center. Maybe Amazon would offer training and certification of local "Amazon Approved" contractors.
- Rumor Mill: The Amazon Store is Coming – Retailwire
- Rumor Mill: Amazon Exploring Same-Day Delivery – RetailWire
Discussion Questions: Do you think Amazon should begin now to establish its own showrooms? Do you see this as a unique retail business model and, if so, how do you see it spinning out?
Join the Discussion!
23 Comments on "BrainTrust Query: Will Amazon's Showroom Become Amazon Showrooms?"
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There is so much to be learned by watching shoppers interact with products in a physical store while they are making their purchase decisions. Even if Amazon has no interest in ever monetizing a retail strategy, it makes perfect sense for them to open some stores.
Amazon has always been a first mover in shopper analytics, and (once they don't have to worry about tax nexus) I'd be surprised if they don't open some stores if only to enhance their shopper insights.
I disagree. The Amazon model has been built on easy access to products and extreme customization for each customer. Amazon knows its customers better than any other retailer, bricks and mortar or virtual. Offerings like Amazon Prime, Subscribe and Save, and other customer-focused programs dignify the customer and make their shopping lives easier.
No doubt the implications of collecting sales tax will create some new challenges and even opportunities for Amazon. Developing distribution centers within states creates new costs. However, these costs may be offset by quicker delivery options, e.g., same day or next day by 10 AM, thus obviating the immediate gratification option provided by bricks and mortar retailers.
I am not a fan of if it is not broke, don't fix it. However, I do believe Amazon has developed a niche that customers love and support and question the value of trying to act like a bricks and mortar retailer by opening showrooms.
Amazon's core competencies are digital communications and fulfillment, not bricks-and-mortar retail. And certainly not in-person service. Even if they decide to venture into this territory, there is a big learning curve and plenty of competition ready to pounce. At most, I could see a scenario where Amazon had "favored" vendors who showroom the merchandise and share in the profits. I don't think it makes sense for them to re-invent the wheel on that.
Showrooms are not a good idea for Big A. First, they are a web only brand — showrooms would be perceived as stores and then what would make them that different than Macy's or Best Buy in the eyes of consumers. It would then all come down to price and fulfillment.
Long term, operating staffed b&m locations would make it difficult to maintain price advantages. Despite popular folklore, Amazon does not have distribution/fulfillment locked up. Any company with the commitment and finances can also build a supply chain that's effective and customer focused if they see the long-term pay-off. Amazon showrooms just might be the incentive that they would need to give it a go.
If nothing else, Amazon has proven that consumers are more than happy to buy just about anything online, with only an image, product description, and reviews to inform the decision. So I don't think showrooms are the way to go.
If it were up to me (and clearly it's not), the only thing I would put in an Amazon store is Kindle and Kindle accessories, and some kind of "owner's lounge" to steal the Apple concept. Maybe something that demonstrates everything you can get out of Prime. Then I might roll in trunk shows every once in awhile and invite my best customers in the area to whichever ones they might be interested in. And I would definitely bring enough inventory to sell out of the store — and order whatever else might be missing that my customers desire.
For me, an Amazon store would be all about the owner experience. Kindle first, Prime second, and everything else third. If you get them hooked on Kindle and Prime, the rest is sure to follow.
I would add a fifth category to the four that describe Amazon above: Brand. Amazon is a Brand — initially virtual, increasingly physical. Amazon is putting its nameplate on more and more products.
Amazon's branded merchandise is growing, but most consumers aren't accustomed to seeing products with the Amazon name other than Kindle. Physical showrooms, which has been the subject of rumor for years, can help overcome this disadvantage.
If speculation about new SKUs is true, Amazon could nearly fill a showroom with Kindles alone. But Amazon has had private brands like Pinzon and Strathmore since 2004, and more recently has expanded its AmazonBasics electronics accessories into automotive, home and office.
Amazon may be tempted to showcase its full line, but starting with a limited category focus will be more effective.
It doesn't appear to me that Amazon is heading toward stores (showroom or otherwise).
Based on recent activity, it looks like they are focusing on leaving the shopping "online" and solving for the challenges of "immediacy" in physical distribution. Note their announcements around opening several large, highly automated, distribution centers, and trials of lockers in 7-Elevens and Rite Aids.
Imagine an Amazon with a DC location (in a lower cost area, proximate to population centers) that supplies a network of "local" lockers that are populated same day/next day (in addition to supporting standard home delivery).
This avoids the high cost of main street retail real estate and labor, as well as the challenges of highly segmented inventory associated with a large store network (required to got the product into the customer traffic zones).
Order this morning from Amazon, pick up at 7-Eleven on your way home from work.
There are at least two major changes that make this more feasible than before. The first is the tax issue. Amazon working with the states on the collection of sales tax removes the barrier from operating in those states. Based on several news stories out today, Congress will take up "legislation that would pave the way for states to force sales tax on point-and-click shoppers."
The second is that consumers are now used to showrooming. Amazon will not have to educate the customer on the concept. What it will gain is the ability to allow customers to see and touch the items they are considering purchasing. This removes one of the remaining advantages B&M retailers have.
The vast number of SKUs that Amazon carries would require Amazon to open a number of kinds of stores — one for books, one for toys, one for sporting goods. I doubt very much that this is the direction they'll take.
As an outside observer, I have been saying for years that Amazon should open a retail presence in Times Square and Piccadilly Circus. They might do it as a theme park experience like Niketown. This is NOT about operational knowledge and profits. This is pure and simple about marketing and branding.
The history of catalog retail stores is short and poor. I see no need for Amazon to take a step back from a successful business model. Why should they add cost (rent, inventory and associates) to their business model when it is unlikely to add sufficient sales to cover these expenses? Competition and suppliers will solve showrooming issues.
I think the Amazon showroom where customers can see it now and get it later today — "maybe," works for the appliance example. But, not so much for apparel.
If I go to a showroom and see a dress that I want to wear tonight, can I try it on and make sure it fits before I buy and have it sent to me? Or do I need to purchase and make the final buying decision when it gets to my house and I try in on later? If the latter is the case, why should I bother going to the Amazon showroom at all?
I will go to the nearest mall and buy something I can try on, buy, and wear tonight with no hassle.
I'm obviously getting this wrong. Amazon would open brick & mortar stores to avoid taking on brick and mortar costs? What?
They certainly can't follow the Apple retail model: small, beautifully presented stores with an extremely limited selection sold by deeply knowledgeable salespeople. They are the polar opposite of Apple.
Instead, maybe they might "physicalize" the Amazon experience, they way brick & mortar retailers are beginning to virtualize their stores. The store would be a gigantic shelf display of single items with QR codes making all of the product details, reviews, prices and alternatives available. I don't know why they would bother though — with all the brick & mortar stores doing it for free.
Amazon showroom only stores may be a valued opportunity for products and services that consumers want to 'touch' and experience before committing to a purchase. Cameras, power tools, and televisions come to mind. These brands may be willing to pay a premium to showcase their products in a showroom environment. On the other hand, Amazon has yet to show consistent operating profit in their current juggernaut so why take on the volatility and challenge of 'brick & mortar' responsibilities? Amazon should continue to focus on its strengths and let traditional retailers figure out how to successfully compete with Amazon's business model. There is plenty of questions and challenges to be addressed for both parties in this digitally empowered consumer revolution!
Honestly doesn't Amazon already have defacto showrooms in just about every retail location in the US?
With the slow (yet growing) adoption of mobility by traditional retailers tied with Amazon's supply chain and pricing, they have a leg up on retailers.
Absolutely yes. Amazon should open a few now, test it, see what happens, what they need, what they don't need — and sooner or later, they will replace the likes of many 'middle-man' retailers.
The biggest rub for any manufacturer or dot com in terms of opening at retail is the operations piece. It's not product or even logistics, it's actually running the stores that becomes the biggest learning curve.
But if Apple can do it….
Amazon could leverage their associate commission-based affiliate program to third-party retailers to provide showrooms and facilitate showrooming, ordering and fulfillment.
Instead of a small retailer opening up a camera/small electronics shop, they can display a showroom of products offered on Amazon to touch/experience and allow browsers to order via their smartphone to amazon or use provided tablets, same day shipping to 3-day shipping to their home if they are visiting.
Amazon can provide the retail touch points and digital signage software for free in the same manner they provide web site with content to showcase the products Amazon sell on the associates personal web site.
Amazon leverage their same associate program to pay the retailer their commission. This setup allow the retailer to "pop-up" stores quickly, focus on driving traffic and showcasing experience while reducing any need for inventory and sales tax management. This is the most likely scenario Amazon will introduce, if not being done already.
No. Their model is the model of the future. It is the reason for success. Not having a brick and mortar store is the reason why they are successful. Amazon needs to continue to focus on its success and build upon its strengths while diminishing their weaknesses.
If Amazon opens showrooms, I doubt it would be to showcase commodity products sold elsewhere. Instead, they would likely want the showrooms to showcase their own tablets, smartphones and whatever products/services they'll offer next. This is another Apple play which Microsoft is now following. Would likely be a few showrooms in a few key cities to allow customers, journalists and bloggers to come and experience Amazon products.
YES! Thank you Adrian Weidmann for recognizing not all products are the same. Some, you mentioned digital cameras, really beg for pre-experience before purchase. Display/demo of those items will attract a fair number of customers — those you see showrooming now.
Amazon's physical showrooms should be marketed as "service centers" supplying demos for shoppers, prepaid service on certain items, and perhaps even rentals. They should be supported by (1) membership fees and (2) manufacturer product exposure credits. As a former retailer, such a no-inventory store would be a dream. You could focus entirely on your customers who would self select themselves as valuable by paying for membership. There's a host of member benefits that could add value to membership. See pricing example at reinventbestbuy.com.
I strongly advocate piloting showroom concepts around specific categories to determine if the idea has legs. It would need to be done with intention of a long-lived strategy, but limiting the pilots to a geography and a category, Amazon could test the theory of physical consumer interaction without undue risk.


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Foundation Waterproofing for Your Syracuse, NY Home
You and your family are suffering from the effects of a damp basement in your Syracuse, NY home. That means, you're probably tired of the unpleasant smell, damaged items you try to store there, and the unusable space. You know you need a solution that lasts, but you might not be sure who you can rely on. That's where Basement Waterproofing, Inc. comes in. We can help you get your basement free of moisture. We use proven waterproofing systems that don't just put a bandage on your dampness problems, but solves them.
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I was at my studio minding my business and just doing my thing when the #doromegasuperstar #Godwin crooner popped in looking all fly like a box of fresh candy. So I thought it wont be a bad Idea if he is our celebrity of the month. Trust me there was no time to check time, I quickly pushed him into the hot but cozy seat.
Cheche - Please introduce yourself
Korede - my name is Korede Bello, a singer/songwriter, I love music; she's bae. I see music as an opportunity to serve and give life #BelloversWorldwide
Cheche - What's fashion to you?
Korede - fashion to me is looking good, comfortable , and appropriate for the occasion.
Cheche - How do you define fashionable?
Korede - The word 'fashionable' is relative , basically, fashion means different things to different people so being fashionable is a matter of style.
Cheche - What fashion statement, or popular fashion trends don't you like?
Korede - I can't think of any right now. lol
Cheche - what is your fashion fetish (things you are crazy about)
Korede - I love perfumes.
Cheche - How long does it take you to dress/style yourself for an event?
Korede - it totally depends on the type event because it takes me longer to get ready for a red carpet event.
Cheche - Do you dress yourself or you have a costumier?
Korede -I dress myself but most times I have stylists who do a great job at sorting me out.
Cheche - Whats the highest/total amount you have spent on question 5
Korede - if I Like it; I buy it, as long as I can afford it. I really don't know what the highest would be though
Cheche - who is your best fashion icon
Korede - don jazzy. lol because of his simplicity.
Cheche - who is your favorite designer
Korede - it'll be totally unfair of me to pick just one designer out of a plethora of wonderful designers out there; I honestly don't have a favorite.
Cheche - What's a perfect dressing to you? (Describe yourself when you dress best)
Korede -'You're best dressed when you're dressed for the occasion'.
Cheche - Anything new or still cooking that you would want your fans to know about you?
Korede - Yeah! we're working on a lot of projects this year that my #Bellovers would love; more videos and MEGA songs by God's grace. As we already know God always wins; for you and me. #GodWin
Dear citizens of chechesmithnation, please allow me to introduce one of our celebrity of the month. He is quite an amazing guy focused and determined. I caught up with him at an event and this conversation ensued
Cheche - May I meet you
Teddy - My names are Temitope Oladipo Adenibuyan, Teddy-A, Singer (Performing artiste).
Cheche - What's fashion to you?
Teddy - Fashion is everything. It's a way of life, a lifestyle.
Cheche - How do you define fashionable?
Teddy - Being able to make a statement with whatever it is you wear.
Cheche - What fashion statement, or popular fashion trends don't you like?
Teddy - I sincerely don't like Kanye's new fashion line under Adidas. Just my honest opinion.
Cheche - What is your fashion fetish (things you are crazy about)
Teddy - Footwear gotta stay fresh
Cheche - How long does it take you to dress/style yourself for an event?
Teddy - In about 15 mins give or take
Cheche - Do you dress yourself or you have a costumier?
Teddy- Both. Depends on the event.
Cheche - Whats the highest amount you have spent on question 5
Teddy - $800 lol
Cheche - who is your best fashion icon
Teddy - I honestly don't have one
Cheche - who is your favorite designer
Teddy - Versace
Cheche - What's a perfect dressing to you? (Describe yourself when you dress best)
Teddy - Anything that has to do with putting together contrasting colors. Now that's a fresh look!
Cheche - Any other thing you would love your fans to know
Teddy - Thanks for all the love! I promise never to let you guys down.
Cheche - Well there you have it. That's all I could ask him because our discussion was a bit short, but feel free to throw in your own questions and comments, he promised to attend to everyone of them as long as time permits.
We are not in a hurry any way because he will be responding directly on this blog by himself for a whole month.
A little bird told me he has surprise at the ... Keep your fingers crossed and keep the conversation flowing. Who knows! You might just get lucky.
Very Simple!
Jacket - Tunde Marcus,
Pants- Relay jeans,
Shoes- Ted Baker,
Styled by : Dernier Cri Studio.
Jumpsuits don't scream for recognition because they are amazing outfits that makes you feel in charge any day all day, simple and usually ready to go.
They also fit most needs depending on your mood and creativity.
Note: Jumpsuits are trendy and how they look makes them stand out, being already together ie both the top and bottom are in one piece, be it short or long jumpsuits.
The thing is that a Jumpsuit does always make any woman stand out smart, and that does not mean you should jump in it every time or for you to start Jumping O. lol. You need to know how to dress in your Jumpsuit,so that you don't ridicule yourself in this simple outfit.
Let's take a look at how to pair your wonder Jumpsuits before you leave your home.
Jumpsuits are quite cute things for a night out. Be it in short or long form. But please don't wear the dramatic ones, like an over-size, so you don't scare your partner on the date with you. The Jumpsuit can bail itself so don't try to act like you can save the Jumpsuit ,
So dress lightly...its safe to wear it with less accessory,all you need here is that little help from your flat, casual earring with your hair well put together in a well defined position. No over styling,no dramatic accessories.
Hmm-mm!! Jumpsuits can be as simple and as cute as a saint,yes we know..but on this kind of day out,you can afford to add up on it. How do i mean? Yes I mean you can play on iT
A, Design it
B, Wear your cute accessories
C, Wear your waist belt
D, Put on your scarf.
Yes i said so...then put yourself on the spotlight with those heeled sandals, pumps etc Style your hair as you wish while maintaining your 'Chicky' look. Trust me if you do this you will sure sparkle and be that "IT GIRL" amongst your girlfriends.
A, Design it
B, Wear your cute accessories
C, Wear your waist belt
D, Put on your scarf.
Yes i said so...then put yourself on the spotlight with those heeled sandals, pumps etc Style your hair as you wish while maintaining your 'Chicky' look. Trust me if you do this you will sure sparkle and be that "IT GIRL" amongst your girlfriends.
The right way to perfect your eyebrows is to choose the right stencil that is the shape of your eyebrow. It simply helps you achieve lovable, attractive brows with little or no stress. It is highly re-usable as it comes in durable material like plastic. Well, got some for my personal use and I think you should get one too and make brows "wahala" less.
Thanks to Lips n Eyes Makeup------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Ok! here is the trick. With the current climate change in weather you might want to consider your dress code so you don't end up uncomfortable in a very comfortable outfit. Most times when shopping, one should consider how many ways you can combine a complete outfit to suit different needs. Here are some few tips on what you can do with this outfit.
- Office - All you need to do is throw a lovely jacket on this outfit and you are good to go
- Casual - You might need to get reed of the heels, hand bag and put on some flat slippers
- Dinner - Trust me! A half length Jacket will put the icing on this piece of cake


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5 Top Picks to Play Asia's Healthcare Boom
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Are you sick and tired of buying Asian stocks that soar like a fever only to succumb to ague before delivering a lethal dose to your portfolio? If you can stomach painfully high valuations, it may be time to join the panel of professionals prescribing Asian healthcare stocks.
It seems every nine out of ten brokers these days recommend healthcare. And why not? The MSCI AC Asia Pacific Free/Health Care Index (bet you didn't know they had an index for that!) has returned 16.4% so far this year, while the broader MSCI AC Asia Pacific index has returned roughly zero. And according to Morgan Stanley, Asian healthcare companies have led the market in besting expectations for third-quarter earnings, posting net incomes 12% above projections.
Asian stocks are suffering from a malady endemic to emerging markets everywhere: acute Yellenosis, a crippling disease in which a market is no longer regulated by the beat of its own fundamentals but by the infectious pulse of cheap dollars spewed out by the U.S. Federal Reserve's near-zero interest rate policy. The severity of infection is mediated only by periodic outbursts from Fed Chair Janet Yellen and other members of the rate-setting committee regarding the temperature of the U.S. economy.
Healthcare stocks are driven by two completely different afflictions. First is rising paranoia about the potential for pandemics in Asia. Thanks to global travel and global warming, Asia has now experienced not only terrifying outbreaks of SARS, MERS and avian flu, but is experiencing recent epidemics of swine flu and dengue fever.
The second is mortality. Much of Asia is aging fast -- especially China, Japan and Singapore -- and so is seeing a rise in healthcare needs. And even in countries like India, Indonesia and the Philippines where average ages aren't yet rising, incomes are. So people there are also expected to spend more to stay well. Citigroup recently recommended clients buy two Indonesian healthcare stocks, Mitra Keluarga Karyasehat (ticker: MIKA.ID) and Siloam International Hospitals (SILO.ID), arguing that rising incomes were bound to push Indonesian healthcare spending up from a mere 3.3% of GDP, compared with roughly 10% in developed nations, particularly after the government of President Joko Widodo launched its own version of Obamacare -- let's call it Jokowicare -- aimed at extending healthcare to low- and middle-income Indonesians.
The keenest attention on healthcare, though, is in China, where Citigroup advises clients buy stocks in the sector to take advantage of what it projects will be 22% growth in earnings next year. Credit Suisse notes that even as China ages, younger Chinese are increasingly focused on health. And both Nomura and BNP Paribas have emphasized how Beijing's latest five-year plan is likely to push investment into biotech and healthcare.
Perhaps the most comprehensive recent look at China's healthcare outlook comes in a report last month from the equity strategists at Jefferies. While healthcare spending jumped 17% in China last year, they wrote, it remains at just 5.9% of GDP. Much of that spending has been shifting from households to the government as President Xi Jinping rolls out Xibamacare, and healthcare spending as a proportion of the government's budget has more than doubled since 2003, to 6.7%. But personal healthcare spending is also rising exponentially.
ALAS, LIKE THE RISING COST OF HEALTHCARE, Asia's healthcare stocks already look expensive. The MSCI AC Asia Pacific Free/Health Care Index is trading at 26 times projected earnings, well above its historical average. But unlike so many Asian companies, Asia's healthcare sector is inoculated with low debt and ample cash flow. Analysts recommend a wide range of stocks, from Japanese pharmacy operator Ain Holdings ( 9627.JP ) to China's Zhejiang Jiuzhou Pharmaceutical (603456.CN). Here are five of the most enticing:
- India's Dr. Reddy's Laboratories (500124.IN) has returned 29% so far this year in U.S. dollar terms and trades at a relatively expensive 27 times projected earnings. But analysts at Macquarie and Nomura still rate this cash cow a buy, according to Bloomberg, with Citigroup predicting 34% annual growth in pretax earnings and analysts saying the stock could rise 4.5% over the next year.
- Indian drug maker Sun Pharma (524715.IN), which is still digesting its purchase of Ranbaxy Laboratories last year, looks pricey at 37 times projected earnings. But Morgan Stanley and J.P. Morgan rate it a "buy," with analysts predicting it could rise almost 11%.
- Korean pharmaceutical product company Yuhan (000100.KR) has given investors a 60% return in dollar terms this year and trades at 25 times. Daewoo Securities, Shinhan Investment and Macquarie all rate it a "buy," with analysts saying the stock could climb 12%.
- Japan's Sumitomo Chemical ( 4005.JP ) makes a wide range of chemicals that include pharmaceutical products. After returning 46% so far this year, it reported better-than-expected quarterly earnings last month. It still trades at just 12 times projected earnings, making it one of the few stocks on this list that look cheap. J.P. Morgan, Morgan Stanley and UBS all rate it a "buy," with analysts forecasting a 17% rise in the stock.
- Topping the charts is Japan's second-largest drug maker Astellas Pharma ( 4503.JP ), which last month paid $300 million to license allergy vaccines from U.S. biotech firm Immunomic Therapeutics. While the stock has returned a relatively modest 4.6% in dollar terms this year and trades at a relatively expensive 21 times projected earnings, analysts at Morgan Stanley, Mizuho Securities and Goldman Sachs recommend buying the stock. Analysts say Astellas could rise 24%.
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Save money using any valid Voucher Codes, Discounts, Deals and Offers on Garden Buildings including Sheds, Greenhouses, Summerhouses, Gazebos and also Garden Furniture such as Patio Sets, Tables, Seating and Sun Loungers and also Play Equipment. There is also a range of Garden Fencing including Fence Panels, Gates and also Garden Trellis.
To put the finishing touch to your garden, then there is a quality selection of Garden Decking, including handrail systems and full Decking kits.


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Want a good job? Better put on your lying pants or at least your partial truth pants because the last thing you should use during an interview are candid, spontaneous answers. You would be smart to memorise answers to common questions beforehand, especially anecdotes about your leadership abilities and group work skills. Total honesty is a liability, it shows a lack of preparation.
Consider mass media. It is primarily fantasy; elaborate lies that lead kids to believe in a false reality, interspersed with advertisements telling them they need various products to cover their inadequacy.
You have to wonder; are lies necessary? Has lying always been so prevalent? Is it ingrained in the human mind? Are we really better off denying the truth?
To be serious, lying is not always malicious. There are many scenarios where lying is permissible, even desirable. It is occasionally necessary for the sake of decency; a free market can't operate unless some form of deception is permitted; and many people are happy being lied to, especially if the lie is pleasurable.
Lies cannot be completely avoided. The problem is lies that form the "official truth", lies that everyone goes along with. The truth should not be forced on people, but it should be available to people who need it.
We have reached the point of lie saturation and society is beginning to re-balance itself. The fact you are reading this article is evidence. With minimal expense, one person can tell the truth and anyone with a computer can hear it; and people are dying to hear it. They are craving it. They have been denied the truth their entire lives and now they are searching for it. They are just waiting for someone brave enough to say it.


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This recipe for healthy pumpkin bread with apples combines two of my favorite fall produce picks into one tasty treat that can be enjoyed for either breakfast or dessert.
Since the recipe calls for zero refined sugar and is sweetened entirely with natural "whole" fruit in the form of applesauce, dates and whole apples (we even keep the skins on!), it is entirely acceptable for the first meal of the day. It makes a great after school snack for the kids too.
Try a Better Bread Spread
My son Blake (in the photo below, with his beloved football!) is happy to eat my healthy pumpkin bread recipe anytime of day. He especially loves it warm with coconut butter, such as Nutiva brand Coconut Manna (see photo to the left.)
Coconut "butter" is different than coconut oil because it contains the "whole" coconut in a pureed form—including the fiber from the coconut— not just the oil. So really, it is an even more nutritious option than even extra virgin coconut oil and it makes an absolutely delicious alternative to dairy butter for spreads. To read more about why "whole" fat such as coconut butter, flaxseeds or olives will always be more nutrient-rich options when compared to their oil counterparts, click HERE.
Where can you get Nutiva brand Coconut Manna? I have seen it locally at our Whole Foods Market and natural foods store, but the cheapest place I have found it is online at Vitacost.com , which is my favorite online discount grocery shopping destination for health foods and as well as healthy lifestyle products (such as skin care, beauty products, nutrition supplements, etc.)
Note: the oil in the coconut butter tends to separate to the top. To liquefy and blend, place jar in hot water for 5-10 minutes and stir.
Try a Better Whole Wheat Flour When Making Your Healthy Pumpkin Bread Recipe
I have heard stories about people who are sensitive to wheat-containing foods here in the United States who then go overseas to places like France and Italy only to return home telling about how they had no problem eating wheat-containing foods overseas. What could be the explanation for these non-celiac gluten-sensitive people?
For some individuals with non-celiac gluten sensitivity, I have a hunch that glyphosates, which are herbicide toxins, might be contributing to their issues. And it turns out glyphosates are found in some gluten-free grains now too. Click HERE to read more about why everyone should avoid glyphosates and what to do to avoid them.
One way to avoid glyphosates and simultaneously boost the nutrition of your recipes is to use Biodynamic flour (I prefer ISIS Biodynamic Whole Wheat Flour, which is what I use in the recipe below). ISIS Biodynamic Whole Wheat Flour has been carefully cultivated, stone ground at low temperatures to retain the natural nutritional properties intrinsic to the wheat and it is 100% organic and non-GMO. It tastes and bakes just like regular whole wheat flour too, by the way.
Where can you buy ISIS Biodynamic Whole Wheat Flour?
Currently the flour is only available at Whole Foods Market stores. You can also visit the ISIS Biodynamic website HERE for more information.
Healthy Pumpkin Bread with Apples and Raisins
- 1/2 cup organic canned pumpkin puree (look for BPA-free boxed pumpkin, such as Pacific Natural Foods brand, if possible)
- 1/2 cup unsweetened organic applesauce
- 11 dates (pitted)
- 1/4 cup organic extra virgin coconut oil (such as Barlean's, melted)
- 2 pastured eggs (such as Vital Choice)
- 1/4 cup water
- 1 teaspoon pure vanilla extract
- 1 cup whole wheat flour (we strongly recommend ISIS Biodynamic Whole Wheat Flour)
- 1 teaspoon baking soda
- 1/2 teaspoon baking powder
- 2 1/2 teaspoons pumpkin pie spice
- 1/2 teaspoon unrefined sea salt
- 1 cup finely chopped organic apples (keep the skins on!)
- 1/2 cup raisins
- Preheat the oven to 350 degrees.
- Place the pumpkin puree, applesauce, dates, melted coconut oil, pastured eggs, water and vanilla extract in a high speed blender (such as Vitamix): process until smooth and creamy.
- In a medium sized mixing bowl, mix together the flour, baking soda, baking powder, pumpkin pie spice and salt. Stir the wet ingredients in with the dry. Fold in the apples and raisins.
- Transfer the batter to a 9″x5″ loaf pan. Bake for 65 to 70 minutes, or until a toothpick inserted in the middle comes out clean. Let pumpkin bread sit for at least 15 minutes before slicing and serving. Serve warm.


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Please fill in your details and we will send you a copy of the brochure.
Total area approx. 12 ha. (possibilities for expansion)
Year of construction: 2012
Living space: In total 270 m² + 95 m² surface to expand
Apartment: Living area 140 m² (+ a second to extend 95 m²)
Studios: 5 (33 m², 24 m², 24 m², 24 m², 24 m²)
Bedrooms: 6 & bathrooms: 6
Nestled in a wooded natural landscape of approximately 12 hectares and yet only two minutes drive from the city, the estate offers ideal living conditions for horse lovers and nature lovers. In this idyllic environment you can now realize your lifelong dream. The estate was designed as a private equestrian facility, but its prime location, functionality and expansion make it ideal for the ambitious professional rider.
A building permit for the construction of 8 villas with private stables is available and makes this property highly interesting for investors. The city's new development plan also allows the construction of a hotel complex, opening up all prospects for the commercial use of this strategically located property.
SAUMUR – this charming town on the Loire is located 300 km south of Paris in the world-famous Loire Valley, with its countless castles that have been a UNESCO World Heritage Site since 2000.
Center Saumur 4km – Golf course 0,5 km – Ecole Nationale d'Equitation / Le Cadre Noir 1.2 km – Rowing club 1.4 km – Train station 6 km – Airport (length 1450 mx 30 m) in the immediate vicinity.
The property has five fully equipped studios and an apartment of about 140 m2. One of these studios is handicapped accessible.
Another apartment of about 90m ² living space is ready to expand and can easily be connected to the existing apartment of 140 m². The planning was carried out from the perspective of any professional use and allows a separation of private and business. The living areas were built according to the principle of a low energy house, are heated or cooled by heat pumps and have a controlled ventilation system.
Ten spacious boxes welcome your horse in a very functional environment that is thought through to the smallest detail. Each box is covered with a thick layer of rubber.
The riding hall (20 × 40 meters) is flooded with light and offers due to the insulating glazing, the insulated roof and the ventilation options, ideal conditions for a comfortable year-round use.
The round hall with 22m diameter is located in the immediate vicinity of the stables and is equipped with a Röwer & Rüb Teomatic horse walker for 10 horses with a lunging circle in the middle.
The entire property is fenced with a 3-bolt wooden fence.
JACKSON PROPERTY for themselves and the vendors of the property, whose agents they are, give notice that these particulars, although believed to be correct, do not constitute any part of an offer of contract, that all statements contained in these particulars as to this property are made without responsibility and are not to be relied upon as statements or representations of fact and that they do not make or give any representation or warranty whatsoever in relation to this property. An intending purchaser must satisfy himself by inspection or otherwise as to the correctness of each of the statements contained in these particulars. The agent has not tested any apparatus, equipment, fixture, fittings or services and so cannot verify that they are in working order, or fit for their purpose, neither has the agent checked legal documents to verify the freehold/leasehold status of the property. The buyer is advised to obtain verification from their solicitor or surveyor.


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Phia International
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Referenced-Based Pricing Explained
Hospital Price Transparency Guide
Balance-Billing: What Patients Need To Know
Members Area
Frequently Asked Questions
Questionnaire Response
Make A Payment
Questionnaire Response
About Us
Welcome Video
Company Overview
Our Purpose
A Message from our CEO
Executive Team
Legal Team
Giving Back
Phia Certification
Diversity & Inclusion
Covid-19 Resources
Learn - Independent Consultation & Evaluation
Plan - Phia Document Management
Plan - Plan Drafting Services
Save - Claims, Recovery & Subrogation Services
Save - Claim Negotiation
Save - Phia Unwrapped
Protect - Plan Appointed Claim Evaluator (PACE)
Protect - Patient Defender & Balance Billing
Phia International
Press Releases
Industry Terms
Guide to Understanding Subrogation
Moving To Self-Funded Health Plan Guide
Referenced-Based Pricing Explained
Hospital Price Transparency Guide
Balance-Billing: What Patients Need To Know
Members Area
Frequently Asked Questions
Questionnaire Response
Make A Payment
Press Releases
Industry Terms
Guide to Understanding Subrogation
Moving To Self-Funded Health Plan Guide
Referenced-Based Pricing Explained
Hospital Price Transparency Guide
Balance-Billing: What Patients Need To Know
Phia Group Media
Phia Group Media
Can't We All Just Get Along?
On July 12, 2017
By: Chris Aguiar, Esq.
It always baffles me when sides whose interests should be very well aligned can't seem to get on the same page. The Right and the Left blame each other for the problems in America. Payers chastise providers for charging too much while providers point the finger back at payers for paying too little. The reality is, if we all took a seat at the table together in the spirit cooperation and compromise, we could probably figure out something that worked for everyone.
In today's blog installment, I'm looking at the relationship between stop loss carriers and benefit plans. Now, talk to any of us lawyers at The Phia Group, and we could talk all day about horror stories, as far as subrogation is concerned, its comes up in the same way almost every time. Now, it doesn't happen often – but every once in a while I'll come across a plan that doesn't want to comply with its stop loss contracts and/or obligations. It's important that everyone realizes that we need each other to survive. Those plans who perhaps don't have the cash flow or population to sustain large losses especially must consider the importance of stop loss to the health of their self-funded plan. And let's face it, if companies didn't make money offering a stop loss product, it wouldn't be available in the marketplace.
The truth is, we're on the same team. If we can't get on the same page, how can we expect state regulators to see the value in what self-funding brings to the benefit plan table?
Spinning the Web of the Plan Document
On July 7, 2017
By: Kelly Dempsey, Esq.
(No, this isn't about spiders.)
The date was somewhere around August 25, 1999. The location was my 10th grade biology class. I remember taking in the scenery of a new classroom and looking at all the pictures and quotes my teacher had up on the walls. One in particular caught my eye:
"I know you think you understand what you thought I said, but I'm not sure you realize that what you heard is not what I meant."
Once your head stops spinning, we can continue…
I've since learned this quote is attributed to the former head of the Federal Reserve Board, Alan Greenspan. The context of this quote is still foreign to me, but I believe it can be applied to just about anything – so let's apply it to plan documents.
In general there are several entities involved in the process of administering an ERISA self-funded medical plan document, but ultimately the plan sponsor is responsible for ensuring the terms of the plan document meet the needs of the plan and its members. The plan administrator then has the fiduciary duty to administer the plan in accordance with the terms of the plan document. So when is the last time that you, the plan sponsor, have read the plan document cover to cover?
Plan documents have to be reviewed and revised for any number of reasons, including regulatory changes – but sometimes plan documents are changed when the plan moves to a different claims administrator (i.e., hires a new TPA to administer claims, or moves from an ASO to a TPA or vice versa). The "rules" each claims administrator sets related to the plan document's format may vary. Some TPAs will administer the document as-is. Some TPAs prefer to use their own plan document template, which the plan sponsor can either adopt from scratch or conform its existing benefits to.
I've written about "gap traps" before, and while this isn't a really one of those as we typically use the term (which is most often relevant to gaps between a plan document and a stop loss policy), a type of gap arises if a restated document doesn't mirror the prior plan document. For example, the prior plan document had an illegal acts exclusion that applies for any act that carries with it a potential prison sentence of one year. The restated plan document, however, doesn't include this specific prison sentence limitation, which means the plan essentially will have to exclude more claims in order to comply with the terms of the plan document (such as, for instance, a DWI, which does not carry with it a sentence of up to one year, but is an illegal act!). While this would comport with the terms of the plan document, it is something for which plan members – and even the plan administrator – may not be prepared.
Another example is a situation where the prior plan contained a medical tourism program that includes many non-U.S. locations, so the plan did not include a foreign travel exclusion. When the two plan documents were "merged" such that the existing document and new format are combined, the new plan document accidentally contained both an international medical tourism program as well as a new exclusion for non-U.S. claims (because foreign travel exclusions are still fairly common). Needless to say, that type of contradiction can cause a slew of problems (including a potential gap with the stop loss policy).
The addition of a new exclusion, or even apparently minor verbiage changes within an existing exclusion (or definition, or benefit, or just about anything else, for that matter), can seem very insignificant, but has the potential for dire consequences if the intent of the plan is not reflected as clearly as possible.
So, a few questions for employers, TPAs, consultants, brokers, and anyone else involved in plan document drafting:
• Does the plan document actually say what the plan sponsor wants it to say?
• Does it clearly outline what is covered?
• Do the exclusions align with what the plan wants to be excluded?
• If a plan document has been recently restated, have you confirmed that the terms of the new plan document are the same as the prior plan document?
It's always best to triple-check these types of things. Happy reading!
Employer-sponsored Plans Should Prepare to be Taxed
On March 6, 2017
By: Brady Bizarro, Esq.
The latest news in the repeal and replace saga is that congressional Republicans are pushing to get a bill to the Senate by the end of this month. The ambitious timeline means that lawmakers and independent analysts will have very little time to review the components of the bill. The lack of transparency is already causing problems within the Republican Party itself. Yet, parts of the bill have leaked, and there are some provisions which will prove controversial across the political spectrum; specifically those that affect employer-sponsored health insurance.
The new plan, for which President Trump has signaled support, would offer aged-based tax credits that are paid for by taxing employer-sponsored health insurance plans. Employer groups across the country are already signaling their opposition to this idea, which is essentially a new version of the Cadillac Tax which is part of the Affordable Care Act and was delayed until 2020.
Why do House Republicans
to tax employers? The truth is that Republicans want to keep as many people covered by health insurance as possible, and that means subsidizing care. Lawmakers have identified taxing employer-sponsored plans as one of the only feasible ways to raise enough revenue to pay for these tax credits.
This is unwelcome news for the self-insured industry because if the replacement bill also eliminates the coverage mandates and essential health benefits, we could see more movement from employer-sponsored coverage to individual plans, especially among younger and healthier workers. If the government gives workers tax credits to buy individual coverage, and that coverage can be very skimpy and cheap, then healthy people will be tempted to buy individual coverage outside of their employer plan. All the more reason for employers to transition to self-funding to be able to offer quality care and competitive prices to keep young, healthy workers on their plans.
Why Plan Sponsors should be Upfront with Workers about Self-funding
On April 26, 2016
By Zack Pace, Senior Vice President, CBIZ, Inc., Employee Benefit News (Full text) (EBN)
Self-funded health plans don't have health insurers, only health plan administrators. The knowledge that their employers are paying the claims of the plans dramatically changes employees entire outlook on health benefits and total compensation.
For example, a friend said:
• "When I tell people at work that [our employer] is paying all our claims with cash, people look at me like some
theorist. But the evidence is all there — they want us to be cost-conscious: the health fund incentives,
screenings, the surveys. It's just odd that [the plan being self-funded] is not discussed openly. Both sides, it
would seem, would benefit from information sharing here."
A human resources executive shared this comment:
• "This is such a good point! I am always surprised when the "average worker" does not know if their plan is self-
funded or the impact that has. When I share with them why it matters, you see the lights come on."
The Majority of Workers are Covered by Self-funded Health Plans
As benefits professionals, we know that most Americans receiving health benefits through group health plans are covered by a self-funded plan. Per the 2015 Kaiser Family Foundation and Health Research & Educational Trust Employer Health
Benefits Annual Survey:
• 63% of all covered workers are covered by a self-funded plan
• 83% of covered workers employed by a firm with 200 or more workers are covered by a self-funded plan
However, are those of us sponsoring self-funded plans effectively communicating to our employees that the plan is self-funded and explaining why that matters?
One of the strongest headwinds in communicating this point is our society's habit of calling health plan administrators "health insurers." Even I'm guilty of this from time to time. Thus, employees covered by self-funded plans are constantly hearing the terms "health insurance company" and "health insurer."
Why are the terms health insurance company and health insurer so pervasive?
1. Many health insurers in the individual and small-group market (e.g., Aetna, Anthem, CIGNA, UnitedHealthcare)
claims administration and network services to self-funded medical plans. We tend to associate these brands
logos with health insurance companies.
2. Policymakers and the media often don't distinguish in their communications between an insured health plan and a
self-funded plan. For example, have you heard a presidential candidate in this election cycle cite that for most
American workers, the employer, not an insurance company, is paying the health claims? I haven't.
So how can an employer sponsoring a self-funded health plan effectively communicate to its employees that the plan is self-funded and explain why that's important?
1. First, eliminate the terms health insurance company and health insurer from the employee
and strive to eliminate the terms from the company vocabulary.
2. Next, explain the basics of how the self-funded plan works. For example, communicate that the network
from physicians and hospitals, the health plan administrator adjudicates claims, and the care-management
nurses help coordinate and improve the quality of care. Underscore that the employer is paying all of the claims,
except, generally, for those above a certain catastrophic level.
3. Then, explain why employee stewardship of the health plan financially benefits all parties. For example, point
total compensation consists of cash wages plus benefits compensation. Emphasize that increases to
generally reduce increases to cash wages. As a visual tool, use Slide 4 of the 2015 Kaiser Family
Foundation and HRET Employer Health Benefits Annual Survey's Chart Pack. The graph demonstrates that since 1999,
health plan costs have increased 203%, and cash earnings have increased 56%. You could also share your own
health plan increases vs. cash compensation increases. Of course, this argument falls apart quickly if a
cash compensation and benefits compensation as uncorrelated budget silos.
Once employees begin to understand why smaller increases in health plan costs will raise cash compensation levels, ask for their help. For example:
1. Ask for their ideas and feedback on how to improve workplace health.
2. Ask them to support the wellness initiatives you are investing in and to provide ideas to improve and expand
3. Ask them to take the phone call from the health plan's
Finally, consider developing an incentive plan that rewards employees if the plan's performance runs better than expected (ask your ERISA attorney and benefits consultant about the permitted incentives).


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What does 'Deep pockets' mean?
If someone has deep pockets, they are wealthy.
- Category: Clothes
- Contributed By: Alea Roach
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For Immediate Release
Media Contacts:
Liesl Kenney, Public Relations Director
Squaw Valley | Alpine Meadows
530.452.7111 or email@example.com
Sam Kieckhefer, Public Relations Coordinator
Squaw Valley | Alpine Meadows
530.584.6035 or email@example.com
Resort offers incentives for riding to work including prizes for miles traveled by bicycle, basic bike repairs and access to new commuter and e-assist bikes
[Olympic Valley, Calif.] May 19, 2017 – To encourage employees to be active, take advantage of good weather and reduce individual vehicle miles traveled, Squaw Valley Alpine Meadows launched "Ride On," a new employee bike to work program in conjunction with the start of "Bike to Work Week." By joining the resort's free Strava club team, resort employees will track their mileage and be eligible to win prizes awarded by the resort's Human Resources department.
"With this being the start of Bike to Work Week, we're excited to launch our new Ride On employee bike to work program," said Brittany Clelan, vice president of Human Resources at Squaw Valley Alpine Meadows. "Not only do we want to encourage our employees to get outdoors and be active as part of our wellness initiatives, we believe that collectively, our team can help make a difference as it relates to reducing emissions and greenhouse gases by riding, rather than driving to work."
As part of the participating employees' commuter mileage tracking, Squaw Valley Alpine Meadows will also enable a carbon offset tracking system so employees can see the direct impact their efforts have on reducing their overall carbon footprint.
The resort is also offering a bike maintenance center in Parallel Sports in the Village at Squaw Valley for employees in need of basic bike repairs, access to new commuter and e-assist bikes that are part of the resort's 80+ bike rental fleet, and has made on-site shower facilities available to Ride On participants at the resort's uniform office.
How Ride On works:
- Employees participating in the Ride On program will download the free Strava app to their smartphone and join the Squaw Valley Alpine Meadows Strava club team
- Each day, participants will log in to Strava to track their commuter miles
- The employee who accumulates the most commuter miles between May 15 and July 4 will win the top prize
- For employees without a smartphone, the Squaw Alpine HR team will connect a bike computer to their bike to manually track and record miles traveled
- HR will share updates and track total employee miles and carbon footprint reduction to encourage participation and light competition
- Prizes for employees with the most commuter miles logged between May 15 and July 4 include an Electra Cruizer 7D, two pair of Oakley sunglasses with Prizm Road lens, and two Patagonia Black Hole Messenger Bags.
"We live and work in one of the most beautiful places on the planet, and are excited to offer a program to our employees that not only offers personal health benefits, but can have a positive impact on our environment as well," continued Clelan.
The Ride On program will continue beyond the initial program launch with regular incentives offered to employees who bike to work after July 4 as well.
About Squaw Valley | Alpine Meadows
Voted 'Best Ski Resort' in North America for the second year in a row by USA Today and 10Best Readers' Choice 2017, Squaw Valley Alpine Meadows is an internationally renowned mountain resort in North Lake Tahoe that spans over 6,000 skiable acres. The resort features slopeside lodging at The Village at Squaw Valley®, which bustles year-round with nonstop events and over 50 bars, restaurants and boutiques. With an annual average of 450 inches of snowfall and 300 sunny days, Squaw Valley Alpine Meadows is known as the Spring Skiing Capital™ as it provides one of the longest ski and snowboard seasons in Lake Tahoe. Skiers and riders of all ability levels are welcomed by over 65 percent beginner and intermediate terrain, 14 easy-to-navigate mountain zones and a custom app to make the most of every visit. Visit squawalpine.com or call 1.800.403.0206 to learn more.
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From time immemorial, bed bugs were one of the worst enemies of any person sleeping in a bed with sheets made out of any sort of cloth. The thing is – these can be quite annoying and tough to get rid of, so they are regarded as a tough opponent, which is a description they surely … [Read more...] about How to Check for Signs and Symptoms of Bed Bugs?
Sprays and other treatments to kill and get rid of bed bugs
Goodnight, sleep tight, don't let the bed bugs bite. While this childhood rhyme is fun and games for most people, it stems from a real, serious problem. Though most children may think bed bugs the stuff of fantasy, for those who suffer from a bed bug infestation, these tiny … [Read more...] about Sprays and other treatments to kill and get rid of bed bugs
All about Bed Bugs: How they live, fly and from where they come?
A single pregnant bedbug can reproduce more than 300 adults and over 1000 eggs in about three months. Do you see how serious bedbug infestation can get? If you notice any bedbugs in your house you need to act quickly to get rid of them before the problem turns into a living … [Read more...] about All about Bed Bugs: How they live, fly and from where they come?
Home Remedies on How to Treat Bed Bug Bites
We've all heard that we shouldn't "let the bed bugs bite," but would you even know it if they had? Do you even know what a bed bug looks like?Chances are, you have probably never seen a bug bite (at least, let's hope not). While we sing cheesy nursery rhymes about them, they … [Read more...] about Home Remedies on How to Treat Bed Bug Bites


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- November 19, 1921 - February 4, 2017
- Illinois
of Gertrud's Passing
Share This Obituary
Arrangements made by
Cypress Funeral Home
1698 North Bloomingdale Road
Glendale Heights, IL 60139
Get Directions
Profile of Cypress Funeral Home
View Phone Number
Receive Obituary Notifications by Email
Gertrud J. "Gertie" Paulson, 95 passed away on February 4, 2017. Beloved wife of the late Charles F. Paulson; loving mother of Ted "Teddy" (Nancy) Paulson and the late Horst "Joe" (Laura) Schaefer; cherished grandmother "Oma/Omi" of Christiana and Derek Paulson; Stefan (Maureen) and Joshua (Terri) Schaefer; dear great-grandmother to Noah, Pierce, Riley and Colin Schaefer; she also gained 2 more granddaughters, Aimee White and Kimmi (White) Hayward and their families when Ted and Nancy married. She was a loving friend to many. Gertrud came to America from Germany in 1958 to start a new life and met her late husband, Charlie. In 1962, on her birthday she gave birth to her son, Teddy. They moved to Glendale Heights in 1963 and developed lifelong friendships with their neighbors. She was a lunch Mom at Glen Hill School from 1995- 2010. Gertrud loved swimming, gardening and bowling. She enjoyed Saturdays at Brunswick coaching and she bowled until she was 94 years old. A Celebration of Gertrud's Life will take place on Thursday, February 9, 2017 from 3-9 p.m., at Cypress Funeral Home, 1698 N. Bloomingdale Road, Glendale Heights, IL 60139; where a Service will begin at 8 p.m. In lieu of flowers, donations may be sent to Northwestern Medicine/Hospice Division, 690 E. North Avenue, Carol Stream, IL 60188. For information call (630) 653-7666.


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Constellix operates a triple Anycasted network that utilizes a system of multi-tiered redundancy to withstand query surges and DNS-based attacks.
Our network has built-in DDoS mitigation services that redirect pernicious traffic to upstream scrubbing facilities in the event of an attack.
If any of our systems become overwhelmed by an attack, the traffic is redirected to nearby systems to help absorb the attack. In the event of resource failure, there are multiple fail-safes in place for every one of our thousands of nameservers so there is no single point of failure anywhere in our network.
We exclusively partner with Tier-1 data and bandwidth providers at 16 critical peering points around the world. We've spent the better of two decades engineering our network for optimal performance and redundancy, so you don't ever have to worry.
Even though we have a strong network, it is still considered a single point of failure to only use one DNS provider. DNS provider outages have been the cause of notorious hours-long outages in the past, rendering the use of more than one provider to become almost a necessity for some businesses.
Contrary to its name, Secondary DNS is not a Primary provider with a designated backup provider. Rather, both providers are equally authoritative for responding to queries. If one provider is unable to answer queries, then the remaining provider will make up the difference.
Secondary DNS is only a solution for some, though. Both providers must have the same configurations at all times, or else queries could be resolved incorrectly. That means both providers must offer the same services you require, which is usually not the case for GeoDNS and advanced load balancing services.
We have multiple measures that come standard with all accounts that help assure that your account and domain configurations are protected:
We also offer additional features that you can enable to have even more granular control over user permissions and account activity:
HTTPS is now mandatory for most major browsers, like Chrome, which means you need to have an SSL certificate for your domain.
Usually, DNS doesn't have much to do with SSL certifications, which are typically installed on your web server (your DNS just points to it). But when you start to involve more complex configurations, like a CDN (Content Delivery Network), you may run into some issues with security.
CDN providers act as a middleman between your users and your web server. The CDN will store a cache of your website files and distribute them from many points of presence around the world, reducing load times. Your CDN service also needs to use your SSL certificate in order to make secure requests from your web server.
Typically, your SSL certificate is configured through your CDN provider, but since Constellix now offers a CDN provisioning service, you will also need to configure it through Constellix. It only takes one extra step, before you provision your CDN provider(s), make sure you add your SSL certificate information.
Always configure a CAA record if you have an SSL certificate! This ensures that no one else can use a false SSL certificate for your domain. If someone does, you'll be alerted instantly and their certificate will not be able to authenticate.
Usually, DNS doesn't have much to do with SSL certifications, which are typically installed on your web server (your DNS just points to it). But when you start to involve more complex configurations, like a CDN (Content Delivery Network), you may run into some issues with security.
Coming soon! DNSSEC is a service that signs your domain at the root with a cryptographic key, preventing man-in-the-middle attacks.
Coming soon! Get notified when your query usage becomes abnormal. We use Artificial Intelligence to learn patterns in your query usage and are able to detect the slightest anomalies that could indicate an attack or system misconfiguration.
Detect the early signs of an attack while there's still time to take action. Our advanced Analytics services gives you all the tools you need for total domain visibility. Narrow down your focus to a single domain and location to troubleshoot fluctuations and rule out system misconfigurations.
Record minute long logs of your incoming queries to find holes in your network architecture and identify poorly configured records that could be costing you in overages. You can even log attacks in real time and use them for root cause analysis later.
Filter out potentially malicious traffic by region, country, city, network (ASN), IPv4, or IPv6 address. IP Filters make it easy to create your own IP blacklist that you can apply to multiple records and domains.
You can even combine your filtering rules to make more granular logic. For example, you can filter out traffic by network and country.


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What our clients say!
"Gary I already use baitsafe for projects where it is applicableI even used them as access ports for a skinned building that had cluster fly. Client was happy as they return every year so we just pop open the bait safe and ULV the void safely" Mark Wiseman
call us
1300 065 467
At MakeSafe™ Australia we are committed to our core belief of DESIGN-INNOVATE-CREATE. Just like our brand MAKESAFE™ we believe in developing products that help remove the risks that may lead to physical harm in our homes and workplaces.
We also believe that such products should be unobtrusive, simple to use and provide a number of different applications to provide the most amount of benefit to our customers.
DETECTSAFE™ is the only Wireless Monitoring Camera of its kind in the World today. DETECTSAFE™'s ability to enter building structures as well being used externally allows you to monitor THE THINGS YOU LOVE THE MOST.
Not all intruders use a window or a door and not all are human. DetectSafe™'s Patented Design gives the user the ability through any smart device to see into ceilings and confined spaces safely. Once installed DetectSafe™ can alert to any potential threats that may lay within those structures being either human, pest or otherwise in real time.
DETECTSAFE™ tells "YOU WHAT YOU DON'T KNOW " in real time on any smart device anywhere in the World.
DETECTSAFE™ is the FUTURE of MONITORING.
BaitSafe® can deliver discreetly into building structures products ranging from monitoring blocks, active baits, pasta baits, foam baits and tracking powder for rats and mice, to pheromone strips, gels, liquids and more for insects.
Some of the pests that BaitSafe® can help treat within building structures are:
- Cluster Fly's ( Cluster inside walls and Roof voids )
- Cockroaches, Spiders, Ants and crawling insects
- Bed Bugs
- Scorpians
- Rodents
- And more
BaitSafe® has been installed in a number of high profile locations across Australia, Europe and America including five star hotels, leisure venues and flagship food retailers, Universities, Schools, Homes, Apartment Blocks and a whole lot more.
BaitSafe® gives instant access to safely inspect, monitor and treat and is 100% lockable.
Most people don't realise that once a ceiling has been PENETRATED by FIRE that you may have as little as 30 seconds to get out before the ceiling collapses inwards on those below
As we all know Hospitals are a hive of activity and the last thing they need is a pest problem causing the closer of badly needed wards.
What The Users Have To Say About MAKESAFE™
MakeSafe® Australia Partners


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K. Olson Ceramics Candle Stick
Meeka Fine Jewelry
An example of complex vision and technique producing an enchantingly minimalist design, this porcelain candle stick has a gentle strength to it. Hand spun and fired, the piece measures approximately 4" wide at the base by 5 3/8" tall.
Returns Policy
Items may be returned within 14 days of purchase. Returns of online purchases must be shipped prepaid and insured, with signature confirmation. Returns for in-store purchases may be done in store. Exchanges may be done within 14 days of purchase.
Returned items must be in unused, unaltered, undamaged condition.
Upon receiving a returned item, the item will be inspected and a refund will be initiated, usually within 3 business days of receiving the item. The refund will be for the price of the item itself. The cost (if any) of the original shipping and the cost of the return shipping will not be refunded.
Custom orders may not be returned or exchanged.


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The Regional Learning Partnership is facilitating the development of a Regional Delivery Plan for Employment and Skills for south west and central Wales in response to the Welsh Government's future strategic approach to the employment and skills agenda.
The fourth version of the plan is now available, see attached.
Click here for more details.


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Custom Gates
Some of our customers have good, freely operating gates that we can be readily automated. Others are starting fresh. We can design and fabricate to suit each need. Our custom gates and fences are built to provide security, strength, and lasting beauty.
West Central customers often want something that makes a statement about themselves; perhaps a design that reflects the nature of their business or farming operation. We want to ensure that each of our clients has the opportunity to own a gateway that not only survives the tests of time and Canadian winters, but looks beautiful as well. To that end, we can take your ideas and design gates that are both aesthetically pleasing and structurally sound. We then see the design through to powder coating, installation, and automation.


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Donkey Kong Jr. and VS. Excitebike added to Nintendo Switch Online
Dive into the classic NES era this month when Donkey King Jr. and VS. Excitebike join the collection of NES classics available in Nintendo Online.
Nintendo Switch fans have a lot to look forward to on May 15, when the latest collection of NES classics join the Nintendo Online platform. The update brings Donkey Kong Jr., Vs. Excitebike, and Clu Clu Land to the portable home console, bringing the available number of NES classics on the Switch up to 40 games total.
If you've been trying to find a reason to justify the subscription for Nintendo Online, then these titles might do the trick. While subscribers already have access to other NES classics like Super Mario Bros. 3, Donkey Kong, The Legend of Zelda, and others, these three titles make the entire deal even more enticing for fans of the oldschool Nintendo ways looking to enjoy them on their Nintendo Switch.
Based on the old arcade game, Donkey Kong Jr. is the direct sequel to Donkey Kong. Players will have to take on the role of Donkey Kong's son, who must rescue his dad from Mario, who has imprisoned him in a cage. On the other end of things, VS. Excitebike includes more of the frantic, high stakes races that made the original Excitebike so popular with gamers. This time around the game also includes two-player splitscreen, allowing you to go back in time to settle those old scores with your friends.
Of course, Clu Clu Land is also an adventure worth checking out, as players must complete 20 stages to recover all the gold bars that the greedy Sea Urchins have stolen from the Clu Clu Land reserves. It's a cute title that really breeds the aesthetics of the time.
There is a lot to like about Nintendo's online subscription service, and classic NES games are only the tip of the iceberg. Users will also find themselves with access to cloud backup for compatible games, as well as access to Tetris 99, one of the most unique and enjoyable battle royale games ever created. Donkey Kong Jr., VS Excitebike, and Clu Clu Land will make their debut on the Nintendo Online service on May 15, so make sure you're ready to dive into the latest NES classics when they arrive.
Josh Hawkins posted a new article, Donkey Kong Jr. and VS. Excitebike added to Nintendo Switch Online
ACA VS Excite Bike was a good buy if one liked Excite Bike because there was no indication the VS/arcade series would be coming to NES Online. I grew up with the NES version so I didn't get the arcade port but I easily could have.
ACA Punch Out is the first time the arcade version was ported for home consoles
ACA Donkey Kong is the arcade version with extra level and better graphics
ACA Donkey Kong Jr has the arcade graphics vs the NES one that's going to be released this week
ACA Mario Bros has the nicer arcade graphics compared to the NES version. Even though I played the NES one growing up, I enjoy playing the arcade version.
ACA VS Super Mario Bros is a input laggy piece of shit... despite the more challenging later levels, I can not recommend it at all


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General Cigar Company enters new territory with its iconic Macanudo brand as it releases Macanudo M, the brand's first flavor-infused cigar.
Macanudo M is described as a rich, aromatic cigar that features nuances of single origin coffee and tobacco.
Steve Abbot, Macanudo's senior brand manager, commented: "With M, we're once again launching a cigar that defies the conventional notions of what the brand represents. This is not your typical flavored cigar. M smokes like a premium Nicaraguan cigar, and the experience is enhanced with just the right amount of coffee flavor. We're sure that M will be a fast favorite among Macanudo smokers, as it will be for any premium cigar smoker looking to up their game with a dynamic and flavorful smoke."
Macanudo M features a silky Indonesian Besuki wrapper and a binder from the Philippines. This medium-bodied cigar also features Nicaraguan and other fine, hand-selected cigars. Macanudo M comes in three vitolas: Corona (6 x 44), Toro (6 x 50), and Belicoso (6 x 54). Aficionados can expect a smoke with notes of cedar, earth and spice intertwined with hints of gourmet coffee that combine to create an overall creamy smoke comparable to a café con leche.