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Spotlight on PBMs: 2018 Annual Review. AMI's 2018 Annual Review of Pharmacy Benefit Managers (PBMs) finds participants under increasing scrutiny for the role they play in the high prices of drugs in today's market.
Consolidation in the PBM market has resulted in a small number of larger players that are able to leverage their size for more negotiating power with insurers and drug makers. PBMs, commonly referred to middlemen in today's market, have been able to obtain significant influence over pricing and competition.
This increase in drug pricing influence has come with a cost, as drug makers have blamed PBMs for not passing along savings from rebates and discounts to health plans and employers, and ultimately patients. Advocacy groups and politicians have criticized PBMs for their lack of transparency about the role they play in drug prices.
Current PBMs are scrambling to develop strategies to succeed, health plans are creating in-house PBMs, IT based companies are eyeing small niches to compete, and new entries, especially Amazon, are beginning to surface.
AMI's new report answers the following:
- What are the recent developments that has caused so much turmoil in the market?
- Who are the current market-leading PBMs and what is their strategies to succeed?
- With approximately 75% of the market held by three companies, how are the other established market participants competing?
- Who are the new market participants looking to compete in the market, and that includes Amazon?
- What niches are IT-based companies trying to fill in the market?
AMI's report, Spotlight on PBMs: 2018 Annual Review, identifies the major players in the PBM market and focuses on the company's Value Proposition and strategy to prosper in today's turbulent market.
The report, in addition to providing an insightful background on the market, segments the companies participating in the PBM market into five groups:
- Market Leaders
- Market Climbers
- Established Market Participants
- Non-Traditional Participants
- IT-Based Participants
Each Profile includes the company's Value Proposition and strategy, address, phone, website, executive contacts, company background, recent activities and more. The Table of Contents.
PBM Background – pgs. 6-8
Chapter 1: Market Leaders – pgs. 9-30
- Express Scripts, Inc.
- CVS Health
- OptumRx
- Prime Therapeutics
- EnvisionRx
- Humana Pharmacy
Chapter 2: Market Climbers – pgs. 31-42
- Avia Partners
- Costco Health Solutions
- Diplomat Pharmacy, Inc.
- Envolve Pharmacy Solutions
- Magellan Rx Management
- MedImpact Healthcare Systems
- MeridianRx
- Navitus Health Solutions
- PerformRx
Chapter 3: Established Market Participants – pgs. 43-74
- American Health Care
- Benecard PDF
- Choice Rx Solutions
- Cigna Pharmacy Management
- Citizens Rx
- ClearScript
- Health Information Design
- HealthSmart Rx Solutions
- Kroger Prescription Plans
- MaxCareRx, LLC
- MaxorPlus, Ltd.
- MC-21 Corporation
- MedOne Health Systems
- National Script
- Northwest Pharmacy Services
- PharmPix Corporation
- Pharmacy Benefit Dimensions
- PharmAvail Benefit Management
- PharmaStar PBM
- Phoenix Benefit Management
- ProAct, Inc.
- Ramsell Holding Company
- Sav-Rx Prescription Services
- Script Care, Ltd.
- Serve You Custom Prescription Management
- WellDyne Rx
Chapter 4: Non-Traditional Participants – pgs. 75-102
- Amazon
- AmeriClear Rx
- Anthem/IngenioRx
- Appro-Rx
- Araya Pharmacy Benefit Management
- Data-Rx Management
- DistinctRx
- EmpriRx Health
- Evolent Health
- Healthcare Highways Rx
- PBARx
- ProxsysRx
- RxPreferred benefits
- RxResults
- Southern Scripts
- TransparentRx
- True-Rx Management Services
- TrueScript Management Services
- Ventegra
Chapter 5: IT-Based Participants – pgs. 103-117
- Abarca Health
- Change Healthcare
- Conduent
- DST Pharmacy Solutions
- OrchestraRx
- PrismRx, LLC
- ProCare Rx
- RxAdvance
- RxEOB
- SmithRx
Sources – pg. 118


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Forget those restaurants that coyly claim to be Thai-Norwegian or Chilean-Korean with a touch of Guam. Self-consciously crossing borders rarely creates something fresh and delicious. And these days, no chef worth his or her fleur de sel will hesitate to use any spice, any marinade, any preparation that will enhance his or her artistry. One of the most exhilarating snappers we've ever ravished was bathed in coconut milk. It was created by chef Eric Ripert at Le Bernardin, a restaurant founded on the skills and tastes Maguy and Gilbert LeCoze acquired growing up in Brittany. You won't find much coconut milk in Brittany. Nor a lot of the other ingredients the limitlessly talented Ripert employs. So what? His idea of fusion keeps exploding into something wonderful.
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subset: commoncrawl


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Time Flies | Blog Anniversary - 2 YearsOctober 13, 2016
36 comentários
Wonderful and perfect! I follow you blog, please follow me too.http://alamodenatine.blogspot.comReplyDelete
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Happy 2 year blog anniversary my dear! That is so awesome and I am so proud of you. It has been very cool to see how much your style has evolved.. you continue to be an inspiration every single day! I love this outfit.. it is absolutely perfect and totally reflects your personal style. Beautiful photos as ALWAYS and I cannot wait to see what you have in store for the future! <333ReplyDeleteReplies
I'm so happy reading this! Thank you so much for everything, Susanna!! Thank you for always follow me and my blog for all this time! You always make me so happy with your comments <33333Delete
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Happy 2 year anniversary of your blog dear Lu! Sorry for stopping by a little late this time! Your outfit is so amazing, all black and with that denim touch! love how your hair looks and also the black lipstick! <3. Keep growing your blog girl! and take care :)ReplyDeleteReplies
Awnn thanks, dear Krissia!! Your comments always means a lot for me! Thank you for stopping by for all this time :)Delete
Happy Blog Anniversary dear Lu! :) Looking forward to many more years. Thank you for being such an inspiration. I love this outfit. Those pants are so cool. And the black lipstick looks so good on you!ReplyDeleteReplies
Thank youuu, Emma!!! You're such an inspiration too, my dear!! Thanks for always let your thoughts here <333Delete
Happy blog anniversary! Such a stunning look and I absolutely love your hair :)ReplyDelete
Thanks, Sammy! It means a lot for me :)Delete
Those sun glasses are just divine. They honestly are. I love how you paired it with such bold lipstick, I which I was that brave to rock such dark lips. (i've always wanted to try it out but never had the guts). And of course, nothing makes an outfit more excellent than a great denim vest. And that is a great denim vest. I love great denim vests.ReplyDelete
Yeah, I like the sunnies and the denim vest too! And thank you! I really like this lipstick, black is one of my favorite colors :) Thanks for stopping by!!Delete
The denim looks great with the black! :)ReplyDelete
Congrats on your blogaversary too, what a great milestone to reach two years of blogging :)
Hope you're having a great week :)
Away From The Blue BlogReplies
Thank you, Mica! Hope you had a good week too :))Delete
Happy anniversary!!! Time flies, isn't it? I love your outfit, especially these shoes :)ReplyDelete
-Leta | The Nerdy MeReplies
Thank you, dear Leta!! :)Delete


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** Glasgow paramedics in Scotland under siege from potentially violent patients?
** England's paramedics responding to more mental health calls
** Scottish paramedics in Glasgow are apparently contending with an unusual number of patient addresses flagged as potentially violent. That is the word from Glasgow Live (Claire Miller/August 12) which said 700 homes in the city carry the designation. According to the newspaper, the EMS dispatch system says 2836 addresses carry risk factors. Of the latter, 2185 homes are sites where paramedics were previously subjected to violent behaviour from occupants. The news comes at a time when government officials said around 5,000 addresses in total have been flagged across the United Kingdom. Last week, paramedics in Devon said they, too, were seeing an increasing need for police presence at EMS calls.
** Paramedics across England are responding to a huge upswing in calls for patients suffering mental health problems. The Guardian (Sarah Marsh/August 13) said EMS services across the country have seen a 25 per cent jump in the last two years. According to the newspaper, medics assisted 30,000 more people or 172, 799 individuals with mental health concerns in 2016-17. In 2014-15, the number was 140, 137 people. London Ambulance Service responds to the most mental health help hails. Between 2016-2017 medics attended to 51,717 such calls. West Midlands paramedics, meanwhile, noted a 41 per cent increase in the number of mental health calls. Critics say the phenomena is evidence that inadequate funding is being directed towards early intervention and prevention programs.


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Disseminated intravascular coagulation in an under-recognised zoonotic infection
Authors: A Claxton , J Hodd , M Holland , S Lawrence
Abstract A 51 year old man presented with severe sepsis, disseminated intravascular coagulation (DIC) and multiorgan dysfunction after a 24 hour history of diarrhoea and malaise. Despite fluid resuscitation and receiving a platelet transfusion, freshfrozen plasma and intravenous broad-spectrum antibiotics, he remained anuric with a worsening metabolic acidosis. He was transferred to critical…
Reference: Volume 16 Issue 3 Pages 138-141 (2017)


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Directory, French Directoire, the French Revolutionary government set up by the Constitution of the Year III, which lasted four years, from November 1795 to November 1799.
The new regime, referred to as the Directory, began auspiciously in October 1795 with a successful constitutional plebiscite and a general amnesty for political prisoners. But as one of its final acts the Convention added the "Two-thirds Decree" to the package, requiring for the…
It included a bicameral legislature known as the Corps Législatif. The lower house, or Council of Five Hundred (Conseil de Cinq-Cents), consisted of 500 delegates, 30 years of age or over, who proposed legislation; the Council of Ancients (Conseil des Anciens), consisted of 250 delegates, 40 years of age or over, who held the power to accept or veto the proposed legislation. The Ancients also picked the executive—the five Directors (Directeurs)—from lists drawn up by the Five Hundred. A Director had to be at least 40 years old and to have formerly served as a deputy or minister; a new one was chosen each year, on rotation. The Directors chose government ministers, ambassadors, army generals, tax collectors, and other officials. However, though nominally inheriting many of the centralized powers of the former Committee of Public Safety, they had no funds to finance their projects or courts to enforce their will. The Directory was a fatal experiment in weak executive powers; it was created in reaction to the puritanical dictatorship that had existed under the Reign of Terror of 1793–94, and it would end up yielding to the more disciplined dictatorship of Napoleon Bonaparte.
The Directory suffered from widespread corruption. Its policies aimed at protecting the positions of those who had supported the Revolution and preventing the return of the Bourbons. Despite its unsavory reputation, it consolidated many of the achievements of the National Convention, such as the creation of a system of elite centralized schools, the grandes écoles. The French economy recovered from the disruption caused by the Terror, and the successes of the French armies laid the basis for the conquests of the Napoleonic period.


text:
There is an old man on the street with a bag full of turtles and another pair on a leash, one of which is quickly making a break for it.
Passerby: "Oh, turtles! Turtles are great pets."
Old man, looking confused: "What? No. Turtles are good eating."
Me: "Uh, excuse me?"
Old man: "Oh, I love turtle soup. Very delicious!"


text:
I never have this feeling with any other girl. That is why I don't know exactly what my feelings are for her. It's hard for me to put a name on it. That's probably the reason why I just can't get over it, over her. Her simple touch makes me shiver. Her stares weaken my knees. A simple gesture from her makes my heart flutter. The way she smoothes her hair with the tip of her fingers, the way she clears her throat resonates through the sounds I can hear on my earphones, the way she shifts in her chair makes me turn my back on her so that she wouldn't see the expresson in my face that might just give away the feelings I have for her. I can always feel her presence whenever she's near me, the sound of her voice even from afar even when she has her back on me, her every movement is encrypted in my mind. These are things I only feel for a guy I really like but why do I feel this way towards her? Why only her? I don't have this kind of emotion with any other girls I'm with. I don't need to explore because it's only with her that Ican feel these things. It all started out as feelings of awe and admiration but it turned out to be something else already. No one has given me yet the right answer to this dilemma, nor can I ever ask just anyone about it. I hope someday somebody could tell me what all of this is. I hope that that time comes when I can breathe already and let all of these things go. Because this might be the reason why I just can't move on.
That Girl


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Monday, October 16, 2017Hugh Latimer, Nicholas Ridley & Thomas Cranmer
Keep us, O Lord, constant in faith and zealous in witness, that, like thy servants, Hugh Latimer, Nicholas Ridley, and Thomas Cranmer, we may live in thy fear, die in thy favor, and rest in thy peace; for the sake of Jesus Christ thy Son our Lord, who liveth and reigneth with thee and the Holy Spirit, one God, now and for ever. Amen.
7:30 am – 6:30 pm, Fifth Avenue Entrance
8:00 am, Chantry Chapel
12:00 pm
On Mondays through Fridays at 12pm we offer prayers and intercessions at the shrine of Our Lady of Fifth Avenue.
12:10 pm, Chantry Chapel
12:30 pm – 1:30 pm, Saint Thomas Church Parish House
5:30 pm, Chantry Chapel


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No news is good news as Gunners close in on Arshavin
Arsenal appeared Friday to be close to finalising a deal to bring Russian playmaker Andrei Arshavin to the Premier League. Skip related content
Gunners boss Arsene Wenger has been pursuing the much-admired Zenit St Petersburg forward and he was coy when asked if a transfer, which is expected to cost Arsenal around 20 million pounds, was close to being finalised.
"We do not want to talk too much about who we want to buy," Wenger said. "At the moment I cannot give you any good news but in this job no news is good news.
"Nothing has fallen through. We are on alert in the transfer market."
Wenger's reluctance to splash out on big-name buys has been reduced by the Gunners up-and-down form in the first half of this season and, as well as a forward, he is hoping to secure the services of an additional midfielder before the end of the month.
"We are a little short because we wanted a player like (injured Czech) Tomas Rosicky to play 80 percent of the games and he has not played at all," the Frenchman said.
"We want to spend money but as everyone knows, and as the the chairman has said, we have money available but we have limited resources, and you want to spend it in the best way possible."
With injured defenders William Gallas and Mikael Silvestre out of action until the end of this month, Wenger ruled out a sale of Kolo Toure, who has become unsettled at the club following a bust-up with Gallas.
"That (Toure's possible departure) is finished," Wenger said. "We will not sell any players this month.
Wenger has reportedly been keeping tabs on Roma midfielder Alberto Aquilani but the Italian international now looks like signing a new long-term deal with his current club, according to Italian press reports.
Arsenal face Bolton at the Emirates on Saturday badly needing to keep a six-match unbeaten run on track as they strive to lift themselves back into the top four — they are currently three points adrift of fourth-placed Aston Villa.
Wenger still believes his squad can get back into the title battle and sees this weekend, with Manchester United due to take on Chelsea, as an opportunity to move closer to the leaders.
"It's an interesting possibility for us to get us closer to one of the two at least, if not both of them," Wenger said.
"Ideally I'd like it to be a 1-1, but more importantly for us, we have to focus on our game and get the points then any result will be positive because it will give us an opportunity to catch those two and the rest in front of us."
Bolton boss Gary Megson is among those who believe Arsenal can get back into serious contention, despite the ten point gap that separates them from leaders Liverpool.
Megson said: "They've lost five games, which is not a huge amount, and they're in a period of transition.
"But they've still got to play against the other three teams in the 'big four' and if they get results against them, then they would be right back in it.
"It only needs one twist of a weekend, and you've seen it twice already when none of the big four have won, so I don't think Arsenal are out of it by any means."
Bolton will be without suspended pair Kevin Nolan and Gretar Steinsson but midfielder Gavin McCann is available after suspension.


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Who owns the Welfare Society?
The society is owned totally by its members. If you are an approved member you have a share in the society.
Who is eligible to join the Welfare Society?
Anyone who has a close association with Fire and Emergency New Zealand (And is approved as a member by the board)
How much does it cost?
$4.00 per week.
How do I pay?
Either Annually, monthly or fortnightly. In advance by direct debit, cheque or through the Fire and Emergency New Zealand Payroll.
What happens when I turn 65?
When you reach the age of 65 you pay only ½ the contribution and the Funeral Benefit ceases.
What happens if I decide to leave the Fire and Emergency New Zealand Service?
Once you become a member you can retain membership as long as you wish.
Do I have to be a member to join optional schemes?
What happens when my children get older?
When your children reach 19, they can apply to become members themselves and get full member Benefits.
If I die, will my family be looked after?
Yes, your family will have 12 months free membership from the date of the last payment received from you. They can then join themselves.


text:
by David Drake A survey published by Thomson Reuters has revealed that one in five financial institutions is considering cryptocurrency trading this year. This translates to over 400 financial institutions like large asset managers, trading desks and hedge funds. According to the co-head of trading at Thomson Reuters, this is a sure sign the crypto trading market is entering mainstream financial services industry. Moreover, in an interview with CNBC, Adena Friedman, Nasdaq CEO, revealed that Nasdaq could become a cryptocurrency exchange in future, if proper regulations are put in place. In the long-term, these developments are likely to have a positive effect on crypto prices. Individual Investors One of the ways to trading of financial institutions will boost cryptocurrency prices is the rise in the number of investors. According to Joseph Onyero, CEO of Properbuz, the growing interest of financial institutions in cryptos will attract more individual investors through institutional trading ... Read More »
Home » Tag Archives: Thomson Reuters


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After a great party with friends from Monster High School Ghoulia Yelps has to clean all the house and need your help! Cleanliness should be always and everywhere. First you need to clean the kitchen, because the kitchen - this is the heart of the house. Wash the plates, clean the floor. After that you have to wash the cooking with the special agent, it'll be brilliantly clean! Next spet is the living room. Put all the garbage to the trash can, and all the clothes to the basket of dirty laundry! Then put all the items to the right place. Well done! Now we need to wash the clothes and hang to dry it. Look around flowers need to be watered, bush should be cut! After you've done all these tasks, the house will look better than ever! You make a great job!
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Download the template for the Christmas Advent Calendar: http://www.pocoyo.com/en/crafts-kids/christmas/advent-calendar
More Crafts with Pocoyo: http://bit.ly/ArtsCraftsPlaylistEN
Subscribe to The Official Pocoyo English Channel on YouTube: https://www.youtube.com/user/POCOYOUSA
Pocoyo Disco: http://bit.ly/PocoyoDiscoEN
Christmas has arrived to Pocoyo's channel! Enjoy all the Christmas content and have amazing holidays this 2016. Celebrate a funny Christmas with Pocoyo's crafts and special videos. Christmas for kids has never been this easy!
90 minutes of Pocoyo!
PART 1 → http://youtu.be/dDP-jzPV5fo
PART 2 → http://youtu.be/Xhm1HfmCJ8A
PART 3 → http://youtu.be/GB8itsBy74M
Pocoyo Arts & Crafts is a special show on YouTube about crafts for kids featuring Pocoyo and his friends. Help your kids and make amazing crafts: drawing, painting… Creativity boost!
WEB: http://www.pocoyo.com/en
APPS: http://www.pocoyo.com/en/apps
FACEBOOK: https://www.facebook.com/pocoyo
INSTAGRAM https://instagram.com/pocoyo
TWITTER: http://www.twitter.com/pocoyo_us
MERCH: http://pocoyofficialstore.com/en
GOOGLE+: http://gplus.to/pocoyoen
Pocoyo is a curious, fun-loving, friendly toddler who's always into experiencing new and exciting adventures. Featuring core values of tolerance, respect, love and loyalty, kids around the world love to join Pocoyo's adventures with his inseparable animal friends Elly (the elephant), Pato (the duck), Loula (his pet dog) and Sleepy Bird.


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|Dress: Pure; Shoes & Neckpiece: Mr Price; Bag: Foschini; Sunglasses: ALDO
My body's position as I share a bed with a baby who sleeps like a grown man.
…because this baby does not want to stay in his cot.
Said baby's demand to sleep uncovered. Dare not tuck Isaiah in.
The bags under my eyes.
Heels, getting stuck in the ground.
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Asking Lerato what awkward things have happened lately. My awkwardness is public knowledge.
"Oh, I haven't seen this outfit before, Nastassja." Every single day.
New house stuff.
Decorating dreams.
A new job on the horizon. More about that in the new year.
2013. This year has been one of dreams.
Coke. As in, coca cola. All summer long.
December, around the corner.
Grace. Thank You Lord for grace.
|Thanks to Lerato for these pictures.
Thank you for coming by!


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This 10-week program will support you in establishing life long healthy habits. You will learn to change your diet, exercise habits and thoughts in order to support a healthier lifestyle.
We start on the inside and work out. For most, the goal is weight loss, but the program is so much more than just a weigh management program.
During the program, you will learn to harness your motivaion, increase your energy and self-compassion and make lasting changes that don't feel like sacrifices. The focus is on the whole self, Mind/Body/Spirit and becoming the person you want to be.
The group coaching sessions provide a supportive environment to learn from and connect with others. Members walk away saying that their favorite part of the program was the connections they created with others in the group.
Additionally, you have the support of the knowledge of a Registered Nurse/Wellness Coach/Personal Trainer to guide you.
Week 1: Overview of the Program
Week 2: Self-Compassion
Week 3: Mindfulness
Week 4: Nutrition 101
Week 5: Exercise
Week 6: Sugar
Week 7: Train Your Brain
Week 8: Habits and Willpower
Week 9: Goal Setting
Week 10: Wrap up and Moving Forward


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How to Control Roots in your Sewer
Trees, especially older ones can be trouble for your nearby drainage systems over the long term. Leaves can clog gutters, while tree roots can reach deep into underground pipes, compromising the effectiveness of your sewer line.
To help control tree roots in your sewer line:
Have a plumber run a video down the line with a sewer inspection camera
If you notice water backing up in your basement or rooms, a tree in your yard or down the street might be to blame. Tree roots can block your pipes with hair-like masses that cause clogs and put the sewer line under pressure.
A professional plumber can take a closer look by inserting a video camera into the line and professionally inspecting it. After a professional inspection is completed, the risk of damage can be assessed.
Use a root-killing solution
A few times a year, specially formulated root killer solutions can be flushed down your drainage system to kill roots inside the pipes, without ever harming your trees.


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Hurricane Sandy struck the shores of New York and New Jersey on October 29, 2012, wreaking $68 billion in property damages, taking the lives of 233 people, and upending the lives of millions of others in the most densely populated stretch of the United States. The storm also unleashed a flurry of creativity in the design community, as planners, engineers, architects, and others dug into the idea of resilient design with unprecedented intensity.
Rebuild by Design—an organization whose name has become synonymous with the effort to not only rebuild the devastated areas, but to reprogram them to survive and thrive in the face of future climate change related disruptions—facilitated a year-long design competition and community-building effort that generated an exhaustive menu of design interventions and a palpable buzz of opportunity in the regions most affected by the storm. In June of 2014, six proposals from the design competition were approved by the Department of Housing and Urban Development, the agency charged with administering the design competition, and a total of $930 million was awarded to fully develop the designs and begin implementation. In the wake of excitement following what may have been the biggest, and arguably the most important, design competition in history, the serious work of moving from concept to reality has begun.
"Rebuild by Design is really more of a process, than a competition," says Amy Chester, the organization's managing director who coordinated the work of the 10 teams as they moved through the various stages of the design competition. This was not a case of a few 'starchitects' swooping in with lush renderings hoping to garner a prestigious award. Chester, a one-woman show at the time, says she led the teams through an exhaustive program "where they got to know the region by talking to the folks on the ground, whether a mayor of a small town, a public housing tenant leader, NGO groups, or Occupy Sandy."
"It was a design process of the people, by the people," says Kai-Uwe Bergmann, a partner in the New York office of the Bjarke Ingels Group (BIG) of Copenhagen, one of the firms whose proposal was selected for implementation. BIG led the consortium that developed the idea of the Big U, a corridor of berms, walls and associated flood control structures interwoven with existing civic elements that would wrap around the lower tip of Manhattan and transform it from flood-prone to flood-proof. "We call it a bridging berm," Bergmann says. "Each berm is like the hull of a ship that extends into and wraps around each neighborhood to protect it on three sides. We're building bridges that connect the urban fabric to that berm… right now there aren't that many bridges that connect from the city side to the water's edge."
As envisioned, the Big U would wrap around a 10-mile stretch of lower Manhattan, which has been broken up into six compartments that are each associated with different neighborhoods. Fleshed out designs have been completed for three of those compartments and $335 million has been allocated by HUD to implement the design for the first of those compartments—a two-mile stretch of coastline meandering along FDR Drive between East 23rd Street and Montgomery Street in the Lower East Side, an area that received the brunt of the storm surge in 2012. No longer known as the Big U, the project has been rebranded as the 'Dry Line,' in part because the entire 'U' could take decades to complete.
Since the funds were awarded in November, an intensive process of data collection, analysis, and environmental review has been underway. "We have divers going up and down the entire two mile length of the seaboard," Bergmann says, illustrating the complexity of assessing the existing infrastructure and how to adapt it for the future. Construction is expected to begin in 2017 and should be completed by 2020.
The other five projects are also moving forward to varying degrees, though the bureaucracy involved in allocating nearly a billion dollars of federal funds never allows things to move as quickly as anyone would like. The caveat of the HUD funding is that it cannot be disbursed directly to pay for design and construction. It must first be disbursed to the states, who can then funnel it to municipalities or other entities who will actually award contracts to get the projects moving. Because of the rules that govern the procurement process, there is no guarantee that the firms who composed the winning proposals will be retained to see their designs to fruition. "The projects were the winners, not the teams," Chester says.
Hurricane Sandy caused this much in property damages as it also took the lives of 233 people.
The amount that the Department of Housing and Urban Development allocated to fully develop the projects for Rebuild by Design.
When completion of the 'Dry Line', designed by BIG, is set to happen.
Each state must create a detailed plan for how the funds are to be used before the money leaves the federal coffer, a process that is still underway in New Jersey. In the Meadowlands area of New Jersey, just across the Hudson River from Manhattan, $150 million has been awarded toward an initial pilot project to test the ideas of a larger $3.5 billion infrastructure improvement plan for almost 30,000 acres of low-lying land around the Hackensack River. Though the Meadowlands was historically an enormous intertidal marsh, it has long been an area of concentrated industrial development, which has resulted in severe water pollution—sending a surge of toxic soup into nearby residential areas during major storm events like Sandy. Much work has been done to clean up the Meadowlands in recent years, but the Rebuild by Design proposal will complete the restoration of the wetlands and build a berm system within them that "chambers the water into a series landscaped rooms," says Alexander D'Hooghe, co-director of the MIT Center for Advanced Urbanism and leader of the design consortium for the Meadowlands area. "This builds multiple layers of resiliency, so as one room floods, it spills over and fills up the next room." Atop these berms will be a new roadway with bus rapid transit and bike and pedestrian pathways linking development nodes in the area. "This has been the garbage pit of Manhattan," D'Hooghe says, "but [when it's done] these areas will have an address on a park."
The other New Jersey-based project selected for funding is also inching forward. $230 million was awarded for phase one of a plan to protect Hoboken and its smaller neighbor to the north, the city of Weehawken. This proposal was led by the international design firm OMA and involves a similar strategy of protective berms designed to pay for their construction over time through tax revenue leveraged by the increased value of the adjacent development. Daniel Pittman of OMA's New York office says it's unclear at this point exactly what involvement his firm will have in the project moving forward, but that the initial feasibility studies are slated to commence this spring and that they "expect to be part of the process" in some fashion.
Even though the HUD funding has taken its time to come through, the [proposal] has been taken to heart by the city leaders [of Hoboken] who have organized their efforts around the strategies proposed in the competition," Pittman says. While the berms are the capital intensive portion of the proposal and are reliant on HUD funding, the OMA-led team provided a suite of other recommendations for knitting together resiliency from all angles, many of which will be funded by other means. Pittman cites a program to encourage the building of green roofs, for example: "not necessarily funding the construction of green roofs, but building the capacity, the know-how, the best practices and providing the tax incentives and zoning that will initiate the larger build out."
Leveraging multiple layers of resiliency by building partnerships among stakeholder groups has been at the core of the Rebuilding by Design process. Chester now has seven permanent employees on staff who continue to liaise with the scores of design firms, developers, public agencies, private foundations, non-profits, and other parties working toward the common vision. No one expects immediate results—the new infrastructure will likely be a generation in the making.
Two years post-Sandy, Rebuild by Design has taken its mission, and the expertise it has accrued, beyond the New York City region. The group travels regularly to cities around the world to share the results of their work and are carrying out a similar process of resiliency planning in Boston and San Francisco. "We're adapting the idea to be about disaster preparedness, rather than disaster response," says Chester. Preparedness, hopefully, is one lesson from Sandy the world will heed.


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To be able to start a business from thin air is quite a hard thing to do. Some can, some cannot. There are a lot variables when it comes to a business succeeding or failing. Below, you will find a list containing the reasons as to why some small businesses fail and what you, the business owner can do to prevent the situations from becoming a problem in the first place.
No Leadership, Employees Get Lazy and Sometimes Insubordinate
As a manager, you should never "manage," unless it comes to a dire situation. Power trips for unintelligent, insecure managers and business owners. Instead, you should be friendly, listen to the ideas the employees have as well as consider them the front line soldiers who know what is going on in the market.
However, some newer, younger employees may see this type lax of attitude and attempt to leverage it in an attempt to firmly establish a "do what I want whenever I want" mentality and atmosphere throughout your company. This can spread like wildfire and it can get out of control very quickly. Upon the first sign that the employees are slacking and not taking their jobs seriously, the manager or business owner must remind them as to why they are paying them the amount that they are being compensated and reiterate as to what kind of productivity and execution is expected.
Good managers and /or business owners lead by example and create a business atmosphere that screams "hard work" and "company dedication." You must create a "produce or don't work here atmosphere" within the organization or your business is being left often to failure.
Not Paying the Employees Enough
To obtain the best employees, one must pay. Your employees are going to be representing your company every time a potential client calls or very time somebody visits the office. These individuals are going to be the face of your creation. Regardless of how impressive you may be, if your employees are not sharp and don't give off an energetic vibe, clients are going to begin shying away and will not take you nor your company seriously.
Additionally, if you are not ready to pay an employee or employees a salary that is very industry competitive, you must do the extra work and continue to put in the 16hour days until you can provide a salary that is conducive to acquiring top notch talent.
Don't misunderstand. This does not mean that you have to save $200,000 for the person, but look at various job boards. What are your competitors paying to bring in new employees? Do you think that they are getting impressive or lackluster talent offering the compensation packages that they are? Always aim higher.
If they are paying them $70,000 a year, budget $85,000. You always want to get employees who are better than the workers whom your opposing firm currently has.
Business owners with big egos don't bring in high returns. Don't just have an employee simply to say you have one. There is no sense in doing this. I know people who have done this and it gets them absolutely nowhere.
Lastly, free employees can quickly bring down a corporate empire. They can bring down the corporate empire that you a very long time to create and bring to life. I've always felt that simply having the thought of obtaining free employees is a little off. Why should somebody work for you for free? Would you work for somebody else for free?
I can see justification that they would do so if you were sharing half of the company revenues with them a.k.a. making them a partner. Otherwise, those employees are going to leave and, upon them going to competitors, they may badmouth you. Therefore a result of you even attempting to obtain free labor, will give your competition free and very useful competitive intelligence on your company. Their obtainment of this information could come from a job posting or your former "gratis" employees potentially bad-mouthing you.


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What technology, innovation, demographic shift, news maker, policy or other force will impact the work we do at Beacon this year and into the future? The Beacon advancement team recently had a discussion and came up with our top 5 nonprofit marketing trends to watch in 2016:
1. We expect the attention to ROI and program outcomes to continue to expand beyond the institutional arena into individual donors' criteria for gift-making. Donors in both camps will more often be interested in statistical outcomes and the "bang for their buck."
The vast majority of donors said that although recognition is appreciated, what they really wanted was more meaningful information and, if they got it, they would continue to give and they would make increasingly generous contributions.
Penelope Burk, Donor-Centered Fundraising
2. Fast, meaningful, motivational: Images convey more quickly than words the emotions that inspire action. Photos, infographics and short video (60 sec or less) are social-media friendly, and social channels are growing. These visual tools translate well to social media and are appealing to younger donors and new audiences.
In 2016 we see [use of video and visuals] changing in a big way – largely because Millennials are very pro-video, and gravitate towards organizations that cater to this demand.
3. Elections matter; at all levels they will impact the resources available to end homelessness. The polarization of elected leaders and increasing politicization of previously consensus issues risks progress that nonprofits have made in addressing social concerns. Yet individuals, organizations and movements are tapping new avenues to claim power and mobilize others. For many of these strategies, the strength of one's networks and capacity to move toward a unified purpose will determine success.
There has been a persistence and vitality in collective action over the past decade that speaks to the power of civil society—not embodied in one nonprofit or foundation, or even a single coalition, but in networks of action that have a unified purpose.
Ruth McCambridge, NPQ's 9 Important Nonprofit Stories of 2015 (And What They Can Teach Us)
4. People of passion and action, millennial donors and volunteers will continue to lead the conversations about resources and energy invested in nonprofits and philanthropy. Millennials are engaging with justice through service and are giving to organizations that inspire.
Millennials crave openness and access…. Millennials want to build things…. Millennials want to change the world. We are not necessarily motivated by money or power; we are motivated by opportunities to do something meaningful.
Jonathan Kaufman, How to Solve the Puzzle of Millennial Engagement
5. #BlackLivesMatter and other social movements have fostered a national awareness of the racial disparities in our communities, criminal justice system, schools and workplaces. In addition, religious diversity is at top of mind due to election year political rhetoric and worldwide events that raise issues of tolerance and understanding of religious differences. In the nonprofit world there is strong desire to mirror communities served in board, staff and volunteer engagement.
There will be no hiding place for racism, overt or otherwise. The time for giving racism a pass is drawing to an end. This isn't a matter of being PC, but a new or renewed commitment of this country toward eradicating the vestiges of official, structural, institutional racism.
Rick Cohen as quoted by Ruth McCambridge, NPQ's 9 Important Nonprofit Stories of 2015 (And What They Can Teach Us)


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worldwide travel insurance
Welcome to CHI Travel Insurance
CHI Travel Insurance Pty Ltd specialises in worldwide travel insurance for Australian residents or for non-residents of Australia travelling to Australia. CHI Travel Insurance is one of the oldest travel insurance products in Australia
Combined FSG, PDS and Policy Wording
View CHI's Combined Financial Services Guide, Product Disclosure Statement and Policy Wording by clicking on the link here.
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To review the latest Travel Advisories please click here.
CHI Worldwide Travel Insurance Privacy Statement
View CHI's Privacy Notice by clicking on the link here.
Travel Service Provider Insolvency Notice
View the latest important notice click here.
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For the latest travel alerts, please click here.
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CHI Travel Insurance
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CHI Travel Insurance Pty Ltd is an authorised representative of AWP Australia Pty Ltd ABN 52 097 227 177, AFS Licence No. 245631 trading as Allianz Global Assistance. This insurance is underwritten by Allianz Australia Insurance Limited ABN 15 000 122 850 (AFS Licence No. 234708) and issued and managed by AWP Australia Pty Ltd. Terms, Conditions, limits and exclusions apply. You should consider the Product Disclosure Statement available to decide if this product is right for you.


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CarnEvil Dark Passions
Something Wicked This Way Comes To CarnEvil!March 24, 2015Bcreative Wilde
|20% Off At CarnEvil. Also Avail In Maitreya & Slink (Sold Separately)
Razor Sharp comes with 12 nail textures. Some with dark carnival stripes and others with solid colors. You can even choose from rusty or new clean (but a little bloody) blades. The New Exclusive nail appliers come in Slink, Belleza & Maitreya versions. Each is just 80L for the duration of the event and will be 99L after. These can only be found at the event until the event round ends.
Note: Dark Passions is not responsible for the loss of tongues when licking your nails.
You will also find 2 new non-exclusives which are maitreya conversions from my SLink line. Per customer request you can find some new Wicked Clown nails & Redrum = Murder for your Maitreya collection. I will be adding these to the main store and market place soon as they are not event exclusives.
Event Dates: March 22 - April 6, 2015
Teleport To the Event


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Limestone Paving
Limestone is a beautiful natural stone option that is growing in popularity. It is well known for being a high quality and hard wearing stone. It is ideal as an option for your patio or driveway paving. Limestone comes in a variety of colours and shapes so you are certain to find one that suits your taste and enhances your property.
Limestone paving is available in three colours
- Yellow Limestone
- Grey Limestone
- Black Limestone
We often recommend the bright yellow limestone for small patio or driveway areas as it gives the effect of making the area look bigger.
The grey colour is ideal for both small and large patios and driveway areas as it is neither bright nor dark.
The black limestone we recommend in larger patios and driveways as it is quite dark and can make small areas look smaller.
Limestone paving comes in a variety of sizes to suit your taste
It is available in a mixed sized patio pack or in individual sizes.
The patio pack consists of 4 sizes:
- 300mm x 300mm
- 300mm x 600mm
- 600mm x 600mm
- 600mm x 900mm
The individual size packs are available in:
- 300mm x 600mm
- 600mm x 600mm
- 600mm x 900mm
With such a range of sizes available this natural stone is versatile and offers a range of laying designs, such as straight line pattern, brick work pattern or mixed pattern designs.
With such a beautiful stone it is essential that they are installed correctly to ensure you will have a perfect job for years to come. Here at Driveway Paving we lay and joint our natural stone with wet sand and cement mortar. This ensures each slab is bedded correctly and will not come lose with wear. The jointing with mortar ensures an even stronger job and low maintenance as it prevents weeds growing through the joints.


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Ongoing support
The University can provide support if your studies are significantly affected by ongoing circumstances such as a disability, a health condition or an official commitment.
If you believe that your circumstances require ongoing support, you should register for Special Consideration (ongoing support) for a range of services. Any information that you share with us is strictly confidential and protected under the University's privacy policy.
Special Consideration
The University's Special Consideration policy provides a framework for study support services relating to ongoing support or unexpected circumstances.
- Special Consideration (unexpected circumstances) is available if you are affected by unexpected circumstances, such as sudden illness, accident or bereavement, and where the duration of impact on your studies is not ongoing. You have the right to apply at any point during the course of your studies.
- Special Consideration (ongoing support) is available via a registration and interview process if you require long-term, ongoing support and adjustments due to a disability; a chronic or permanent health condition; sporting, performance or service commitments; or religious and cultural practices. Ongoing support services are offered free of charge on a case-by-case basis.
Ongoing support
We may be able to offer Special Consideration (ongoing support) in the following circumstances:
Disability, medical & mental health support
Disability refers to a physical, mental or medical condition or circumstance that requires ongoing support or study adjustments. This includes conditions that currently exist, previously existed or may exist in the future.
The University of Melbourne recognises disability in accordance with the Disability Discrimination Act 1992 (Cth).
Disability, in relation to a person, means:
- total or partial loss of the person's bodily or mental functions;or
- total or partial loss of a part of the body; or
- the presence in the body of organisms causing disease or illness; or
- the presence in the body of organisms capable of causing disease or illness; or
- the malfunction, malformation or disfigurement of a part of the person's body; or
- a disorder or malfunction that results in the person learning differently from a person without the disorder or malfunction; or
- a disorder, illness or disease that affects a person's thought processes, perception of reality, emotions or judgment or that results in disturbed behaviour;
- presently exists; or
- previously existed but no longer exists; or
- may exist in the future (including because of a genetic predisposition to that disability); or
- is imputed to a person.
and includes a disability that:
A carer is someone who provides significant care to another person with a disability, a mental illness, an ongoing medical condition or an older person with care needs.
In accordance with the Carers Recognition Act 2012 (Vic), the University can make adjustments to support you if you have significant carer responsibilities.
Elite athlete
Elite athletes must be associated with one of the following organisations:
- Australian Institute of Sport (AIS) or state institutes/academies of sport
- AFL Players' Association
- Rugby Union Players' Association (RUPA)
- Rugby League Professionals' Association (RLPA)
- Professional Footballers' Australia (PFA)
- Australian Cricketers' Association
- Australian Sports Commission (ASC) supported sports (state or national squad/league members).
Before registering for ongoing support, you must apply for the Elite Athlete Program through Melbourne University Sport for Elite Athlete Recognition.
Elite Athlete Program
Melbourne University Sport
Elite Athlete Program Coordinator
Phone: +61 3 9035 3626
Email: email@example.com
Web: www.sport.unimelb.edu.au/eliteathleteprogram
Elite performer
Elite performers must be performing artists with one of the following organisations:
Defence Reservist
Defence Reservists are members of the Australian Defence Reserve Service and have official commitments as a result. They are entitled to be released for service or training in the Australian Defence Force without disadvantage under Part 5 of the Defence Reserve Service (Protection) Act 2001 (Cth).
Emergency volunteer
Emergency volunteers are members of the Victorian State Emergency Service (SES), the Country Fire Authority (CFA) or a similar organisation servicing the state of Victoria. They are entitled to be released for emergency duties without disadvantage.
Cultural or religious observance
You are entitled to register for ongoing support for official religious or cultural observance. Support may be provided upon negotiation with the University. Examples include:
- Official religious observance such as prayer, fasting or religious holidays.
- Official cultural observance such as memorials, holidays or practices related to a specific culture or cultural tradition.
For assistance with ongoing support, you can book an appointment with a Student Equity Adviser.
Services we provide
Study adjustments are changes to how subjects are taught and assessed. They are sometimes referred to as 'reasonable adjustments' or 'equitable adjustments'. The University can make adjustments to your studies to offset any disadvantage you might face without those changes.
Adjustments are made on a case-by-case basis, and may include:
- Alternative Exam Arrangements (AEA)
- academic support worker assistance
- equipment loans
- assistive technology
- accessible formatting
- extensions to assignments
- flexibility in attendance requirements
- accessible teaching spaces and ergonomic furniture.
Requesting a study adjustment
It's important to remember that adjustments are not automatic or granted to you on request. You are welcome to register for ongoing support and recommend adjustments to the University, but these must be negotiated case-by-case with our support team. In assessing whether a particular adjustment is reasonable, the University considers:
- your disability or circumstances
- the benefit of the adjustment on your ability to achieve learning outcomes and participate in courses or programs
- the impact of the adjustment on the University, staff and other students.
Privacy and sharing
It is not necessary to discuss your condition or circumstances with the University unless you require study adjustments or ongoing support services, or if there is an Occupational Health and Safety (OHS) risk.
In order to register for ongoing support, you will need to share details about your circumstances with your Student Equity Adviser. This is so we can fully understand your requirements and ensure that we are providing you with the support you need. Any personal information that you share with us is strictly confidential and subject to relevant privacy laws.
Please view the University's privacy policy for further information on privacy and sharing.
Student responsibilities
As a tertiary student, you have significant responsibility when it comes to organising support for your studies. You are expected to play an active role in managing your needs.
If you are registered for ongoing support, you are expected to:
- provide relevant, up-to-date documents from a health professional (e.g. doctor, psychologist)
- inform academic staff members of your needs by providing a copy of your Academic Adjustment Plan (AAP) in a timely manner and apply for Special Consideration in a timely manner
- ensure that your Alternative Exam Arrangements (AEAs) and AAP are up-to-date
- organise any AEAs well ahead of the exam period (approximately six weeks prior)
- contact academic staff for extension requests before the assessment due date
- regularly monitor your student email account / student portal for information and announcements
- advise your faculty early (at least two weeks prior) if you require AEAs for mid-semester assessment (these are arranged by faculties).
You must still be able to demonstrate that you meet the inherent requirements of a course in order to pass your subjects, even with study adjustments in place. If you have questions or concerns regarding student responsibilities, please contact us directly.
Referral and other services
There are times when we may need to refer you to other support services. In these cases, we endeavour to provide helpful advice and to direct you to agencies that support your needs.
- Counselling and Psychological Services
- University Health Service
- Financial aid – Students with a disability
- Access Melbourne scholarships
Registration steps
Registration for Special Consideration (ongoing support) is completely voluntary. You can register at any time during your studies, however we recommend registering before you commence to allow timely access to support services.
If you do not have login details or you are not sure about whether to register, please contact us for a confidential discussion or view our information for future students.


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Install OpenCart to your Host Server using FTP Step 1… go to www.3150ad.com for Discount Hosting Deal for one year.
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Installing PrestaShop On Your Server - Tutorial
Step-by-step installation of PrestaShop on a web server. Turn subtitles on in your language with the 'Caption' button. Read the full article at http://www.prestashop.com/blog/en/how-to-install-prestashop
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Tutorial - How to Install phpBB on Apache XAMPP Server
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PHPBB: Basic Mod Installation
In this video I show you how to install a mod. If you have any other questions, refer to the link below and/or PM me. Links: http://www.phpbb.com/mods/installing/?sid=dad268d50d1c5e2070c48db8c845a3ad Mod database: http://www.phpbb.com/mods/db/index.php?i=browse&mode=all
PHP Basics: Installing phpBB
phpBB is a powerful Bulletin Board system. This tutorial shows you just how easy it is to install. Official website http://phpacademy.org Support Forum http://phpacademy.org/forum Follow us on Twitter! Tweets by phpacademy
Install Free Forums on Your Site - phpBB
http://quesomanrulz.com/ / http://twitter.com/quesoman – I as well as many others often enjoy being part of an online community. After a while though we get to the point that we are interested in creating our own. I have already created my own community with this website and the forum that goe
Introduction to Vanilla
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Learn How to Install Vanilla Forums 2.1 in Under 10 Minutes
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WAMP + phpBB Forum Software
This video tutorial will explain how to install a custom WAMP (Windows, Apache, MySQL, PHP) home web server, with phpBB forum software. This is a list of the supported disturbution versions: Apache 2.2.6+, MySQL 5.0+, PHP 5.2.5


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1 (4 pound) pork loin roast1 can cherry pie filling1 tablespoon lemon juice2 tablespoons rum (optional)Pinch of gingerPinch of cinnamonPinch of cloves1/8 teaspoon garlic salt
Place pork roast on rack in roasting pan. Roast, uncovered, at 325 degrees F until heat thermometer registers 170 degrees F (about 2 1/2 hours).
Meanwhile, combine remaining ingredients and baste roast several times during last 20 minutes of cooking time.
Heat remaining sauce and serve with roast.
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Million Dollar Year
Are you ready for your Million Dollar Year?
For the last 3 months I've been in deep prayer and meditation. You see, I knew that 2017 was meant to hold something huge, something life changing and transformative.
Back in Sept, I flew to Dallas to meet a couple of other lady bosses and plan out our 2017. The plans have been laid and as I desired, for massive transformation next year.
But, I have to admit…
Something just wasn't sitting right with me. Something was missing.
And just a couple of weeks ago, that something was revealed…
The transformation isn't just about me.
At least once a week someone asks me about the massive transformation that has taken place in my life
You see, in just the last couple of years my life has changed dramatically.
I went from working to generate 6 figures a year to generating 6 figures a month.
I went from working 10 hour days to build my business to working much much less while generating more revenue AND helping more people in a bigger way.
I went from not many people knowing my name to having a #1 Best Selling Book that even today still sells THOUSANDS of copies a month and being featured on Fox Business, CNBC, Harpers Bazaar and Huffington Post (and thats just naming a few)
True success is about a whole lot more than money
In the last 20 months I've also relinquished the belief that you can't have a successful business AND have a successful relationship. I opened myself up to love and am thrilled to say that I'm in a loving relationship with a man that fully supports my desires.
I have truly embodied the definition of freedom. I have time freedom, lifestyle freedom AND financial freedom.
I homeschool my son AND we travel the world extensively, exploring new places and soaking up other cultures.
Life really is what we make it and I'm a living, breathing, walking example of that.
I am bringing ONE person with me on this ride of transformation in 2017. Will it be you?
Spending 15 months with me, side by side in a private mentorship program where you discover the in's and outs of true transformation. Not just financially but mentally, spiritually and physically.
BECOMING the woman you truly desire to be
Having the clients you truly desire that GLADLY pay you what you desire
Working LESS while serving more and in a way that feels like EASE to you and in flow with the way you desire to work.
Relinquishing yourself of old belief systems that hold you back from the things you truly desire (money, love, health, etc) and replacing them with beliefs that support where you're going AND gets you there quickly
Imagine shrinking the timeline and getting everything you desire faster than you ever thought possible… Imagine Quantum Leaping
What if you could make a million PLUS in 2017?
What if you could call in the love of your life?
What if you could go from being over stressed to truly enjoying life and all thats in it?
What if you could start loving your body?
What if you could have the most amazing, supportive relationships with other A players like yourself whom push you to greatness?
What if you could discover why women who have the most amazing sex life ever also are open to making the most money in their business? Seriously…. the better sex I have the better business is!
What if you knew the why and how the things that you THINK hold you back are actually the things that springboard you to success (like being a single parent, a minority or even having a disability)?
What if you could PERMANENTLY break the bad habits you've been trying to rid yourself of for year?
And what if you could do it all over the next 15 months?
You can have this and so much more and it doesn't have to take forever to get it
I am opening the doors to my life to ONE rockstar over the next 15 months in my Million Dollar Year Apprenticeship Program.
Nothing is off limits
I mean nothing.
As we build your million dollar business
Are you ready for business AND life transformation?
On top of extensive time spent on personal life transformation and mastery, I'll be pulling the curtains back on everything business.
You'll discover:
- How I went from working 10 hour days 5 days a week to working with clients 1 day a week for 6 hours so I'm able to work less while having a bigger impact… and you can too if thats what you desire
- How I have 3 day weekends regularly and one week vacation a month… and you can too if thats what you desire
- How to out source THE RIGHT people who fully supports the big vision that you have for your company and will be HAPPY to help you achieve your goals
- The systems that I use day in and day out that leaves me with a waiting list of clients ready NOW for transformation
- The key to coaching MASTERY so you can make the biggest impact on your clients in the shortest amount of time
- How you can be featured in some of the biggest publications, not just business publications but NATIONAL house hold publications that your ideal client reads
- Your personal wealth creation plan so that you're prepared for what the future holds
And thats only a small piece of what we will be doing together
This is for you IF:
You're sick and tired of "waiting" for something to change. You know that you're ready NOW for that change
You know you're being called to do more, be more, have more and lead more
You understand that THIS IS WORK. Its not given to you, you've truly got to do the work
You have the skills, you simply need someone to help point you in the direction you desire to go and let you know what pitfalls to avoid, when and how while setting you up for success simultaneously
How this all works
- 15 months private mentorship… Yep its just us for a little over a full year where we will meet as little as we can while giving you the MAXIMUM result possible. A key part of this program is you learning how to get the MOST possible in as little amount of time as possible.
- 2 Day private VIP Kickoff Experience with me in Las Vegas, Nevada in Jan Dec/Jan 2017. Yep. you're coming to Las Vegas where you'll spend 2 amazing days in Luxury as we iron out your plan for the year both personally AND professionally, getting clear on what you want, why and the game plan to get there. And I am covering your fabulous suite!
- 2 two day VIP Sessions in the most beautiful destinations in the world. Think Spring Time in Italy (one of my favorite places) while we work 1:1 to ensure you're on path to the goal at hand and creating the new one for the next quarter.
- 1 Closing Ceremony 2 day VIP Retreat in London where we will toast to all that you've accomplished during The Million Dollar Year
- Unlimited Access to me for 15 months: I am literally only a phone call away when you need personal or business coaching over the course of our time together. Accountability is the most important thing on your path to success. I'm here for you!
- Check in's the first 3 weeks of every month to ensure you are on track to the plan that we lay out for you and to course correct if need be. On this call we will cover both personal and business mastery
- Wealth Consciousness Trainings and Assignments to ensure that you're consistently building your wealth blueprint and are in the position to receive all that you desire within your business
- Access to all of Stephanie Synclair Inc and Iconic Business Academy VIRTUAL AND LIVE EVENTS AND WORKSHOPS
- Introductions to my Public Relations Team to ensure that you get the best features possible for you and your brand
And this is just the beginning. ANYTHING that you need to ensure your success in The Million Dollar Year is yours.
By the end of the Million Dollar Year
You'll have the business AND life that you thought was only possible 10 plus years down the line
You'll be connected with some of the most AMAZING people on the planet who are doing amazing things in this world.
Money… and plenty of it because the amount of money in your account is a direct reflection of the work that you do in the world and you are making a MAJOR difference
You'll have a brand that easily attracts the tribe that loves you for the quirky, weird individual you are who has never fit in… but doesn't need to
You'll look and feel better than you ever thought possible
If you're single, expect your love life to flourish and if you're married, imagine how much better life AND SEX can get
Better relationships with your children, friends, family, etc
A total life transformation…one unrecognizable from the woman you are today
This is just the tip of the iceberg of the transformation that can happen in the Million Dollar year as it is customized to you and your unique needs and abilities. But what I can tell you, is if you walk side by side with me over the next year YOUR LIFE WILL CHANGE
The fact is
This is not for everyone.
If you need pampering, constant validation and approval and love the blame game, The Million Dollar Year is NOT for you.
Its for A players ready to make a major difference in this world NOW.
Those ready to throw away all the excuses and step into what is TRULY possible.
Those ready to conquer those demons of belief so they can uncover the world of what really is…
Those ready to live the most amazing life NOW, not 10 years from now
My guarantee
Earlier today I read a post from a friend of mine that said
"My stuff works 100% of the time.
For 100% of the people.
Who apply it 100%."
And thats my promise to you.
15 months from now, you won't recognize the person you are today because you'll BE the person that you desire to become
The investment
I know the first thing you think of is the financial investment but thats not it. You MUST be willing to give up the who that you are today
The thoughts and beliefs
The excuses
The blame game
All of which has held you back today.
That cost is heavy. And not everyone is ready for it.
The financial investment is 100k (payments available)
If you're ready to truly embody the woman that you desire to be 5/10 years from now, ready to truly say "yes" to you, your dreams and your desires, apply for the Million Dollar Year Apprenticeship today
(Because I can only take one person, there is an application process)
Lets do this
Apply here


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Wale releases new material to coincide with recent news about gripes he has with certain music publications. His latest release is this visual from The Gifted called "Heaven's Afternoon," featuring Meek Mill.
Wale moves through the streets as he touches on reaching success while dealing with the life of the streets. See the video below!


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Please login to order a test.
Tay-Sachs Disease, DNA Analysis
Test Details
- Hexosaminidase A Deficiency
Pre- and postnatal determination of Tay-Sachs disease carrier status; resolution of pseudodeficiency allele status
More than 95% of the mutant alleles in persons with Ashkenazi Jewish heritage are detected. In persons with French-Canadian ancestry, 80% of the mutations are detected, and 25% of mutations in non-Jewish Caucasians are also detected.
Polymerase chain reaction (PCR); primer extension; flow-sorted bead array analysis for five mutations and two pseudodeficiency alleles in the hexosaminidase A gene
Additional Information
Tay-Sachs disease is an autosomal recessive lysosomal storage disorder that causes progressive neurological deterioration ranging in severity from forms with infantile onset to those with adult onset. If the individual tested by DNA analysis is not of Ashkenazi Jewish descent, carrier testing by enzyme analysis is strongly recommended. Couples who are both carriers have a one in four risk of having a child with Tay-Sachs disease. DNA test results should be combined with enzyme test results and clinical information for the most accurate interpretation. The mutations tested include: 1278insTATC, G269S, IVS9+1 G>A, 1421+1 G>C, and 7.6 kb deletion. Pseudodeficiency alleles tested include: R247W and R249W.
Note: The pseudodeficiency mutation, R247W, accounts for 32% of enzyme-defined carriers in the non-Jewish population, while R249W accounts for 4% of pseudodeficiency among Ashkenazi Jews. These mutations affect the enzyme test, but do not affect in vivo function of beta-hexosaminidase A. Carriers of these mutations are not at increased risk to have children with Tay-Sachs disease.
Specimen Requirements
Whole blood, amniotic fluid, chorionic villus sample (CVS) (submission of maternal blood is required for fetal testing), or LabCorp buccal swab kit (buccal swab collection kit contains instructions for use of a buccal swab)
7 mL whole blood, 10 mL amniotic fluid, 20 mg CVS, or LabCorp buccal swab kit
Minimum Volume
3 mL whole blood, 5 mL amniotic fluid, 10 mg CVS, or two buccal swabs
Lavender-top (EDTA) tube, yellow-top (ACD) tube, sterile plastic conical tube or two confluent T25 flasks for fetal testing, or LabCorp buccal swab kit
Storage Instructions
Maintain specimen at room temperature.
Causes for Rejection
Frozen specimen; hemolysis; quantity not sufficient for analysis; improper container; one buccal swab; wet buccal swab
Clinical Information
Special Instructions
A completed screening questionnaire must accompany specimens. Call 800-345-4363 to request forms, or photocopy the Tay-Sachs Disease Screening Questionnaire from the Genetics Appendix online.
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Date: February 18, 2018
Speaker: John Fonville
Series: Two Keys To Spiritual Growth
Category: Sacraments
Scripture: 1 Corinthians 11:27–11:32
Tags: Lord's Supper, means of grace, sacrament, judgment, repentance, obedience, Holy Spirit, Union with Christ, Bread, Wine, Gratitude, Holy Communion, Self-examination, Holy Eucharist, Fencing the table, perfectionism, discipline, hypocrites, impenitent, worthy
Who may come to Holy Communion? Churches and ministers have misunderstood and misapplied Paul's warning to the Corinthians. The tragic result is that the design of this sacrament (i.e., the confirmation/assurance of our faith in Christ) has been distorted and destroyed. Rather than being an opportunity to receive assurance, the Lord's Supper has been turned into another opportunity to be whipped by the law. Many American evangelicals and Reformed Christians think of the Lord's Supper solely as an opportunity to grieve over their sins, to grieve over the reality that our sins sent Christ to the cross, and a time for repentance or worse to clean one's self up in order to be "worthy" to partake.
And so the question, "Who may come to Holy Communion," has plagued the consciences of many believers. Consequently, many have grown up in the church with a distorted view of this sacrament (seeing it as a funeral rather than a feast) and seldom if ever found in it assurance, life and salvation as Christ has promised (Matt. 26:28).
So then, who is invited to dinner? We will briefly explore this question today by offering three traits that characterize those who may come to Holy Communion.


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Matthew Palmer
Photo: © Kathryn Bonas
About the Author
Matthew Palmer is a twenty-year veteran of the U.S. Foreign Service, currently serving as the director for multilateral affairs in the State Department's Bureau of Asian and Pacific Affairs. A life member of the Council on Foreign Relations, Palmer has worked as a diplomat all around the world.
From the Hardcover edition.


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Most people from out of town wouldn't necessarily think of Sacramento as being known for their theatre and arts. We can't compare to New York's Broadway or London's West End, however, we can boast to have several fantastic theatre venues as well as having one of the largest collection of community theaters in California.
Some of these community theatres include the 24th Street Theatre, Kookabura Productions, Big Idea Theatre, B Street Theatre, Chautauqua Playhouse and many more.
One of the reasons I love living in this golden city is that I have the opportunity to expose my children to all aspects of the arts, yet we still live in "suburbia" in the middle of an agricultural area. We easily have access to the performing arts, museums and so much more!
Even though my kiddos are too young to fully appreciate the theatre and arts, I've been having fun watching them grow and learn as I expose them to different things…whether it's finger painting in the backyard, viewing art at the museums on second Saturday… or my favorite, enjoying a live performance at one of our many venues.
Runaway Stage Productions has been operating in Sacramento since 1997 and currently is the only community theatre company in the greater Sacramento area to have an 18 piece Resident Orchestra dedicated to providing live music during performances (quite impressive I must say!).
This company stages 6 Broadway style productions each season and 6 original Storybook Children's Theatre shows, which are tailored to the younger audiences.
My daughter (who is 3) absolutely LOVES this theatre. The actors are great at getting the kids involved (Boo'ing and hissing at the villains, applauding for the hero, etc) and they are patient with the kids after the show by giving lots of hugs and signing autographs for everyone.
The theater itself is older (built in 1929), but has been kept up very well and is a perfect venue for community theatre. Nestled in the quiet neighborhood of Curtis Park, they have ample parking behind the theatre and is walking distance from Crepeville, if you decide to take your youngster out for an after-show treat. The theatre itself does sell candy and snacks at intermission (yes, they do have an intermission so those kiddos can take a "pee" break), but I would suggest forgoing the $1 candy bar for a chocolate crepe down the street!
So if you have a little "Princess" or "Prince", I would suggest taking them to see Cinderella (January 15th, 22nd and 29th, 12pm and 2pm). Tickets are only $8 general admission and $6 for kids 12 and under. That's cheaper than taking them to the movies!
Not only is it a great way to start exposing them to the performing arts…but it's a fun family "date" that you and your kids won't forget!


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November 22, 2013
Do not worry, I am not going to Paris-over-dose-you! This is officially the last post from the city of love and rats. I wouldn't believe if I didn't see on my own eyes that right under the Eiffel Tower the whole rat family was having a dinner from the trash. Well at least now I know why Ratatouille was a rat :)
Wish you all a happy weekend! Mine will be about celebrating as I am 24 and 1/4 today! No, I am not kidding - I am celebrating! x
6 comments:
wow! beautiful post! Paris is always beautiful!ReplyDelete
I will be very happy if you'll join my new giveaway!
thank you so much!
p.s. if you want to follow each other just let me know on my blog! :)
smiles' avenue
The pictures are beautiful! I am jealous, I want to see Paris for myself.ReplyDelete
Google + / Twitter / Bloglovin / Check out BASI
Cassandra | Backtofive
Everyone has to see Paris once in a lifetime!!! :))Delete
Lovely pictures! I like your blog! Thank you so much for passing by and commenting in mine, was really sweet. I added you to google + to keep in touch. If you wanna follow each other, let me know :)ReplyDelete
Thank you, Dharia :)Delete
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