text:
Bio-Reference Laboratories Inc. (NASDAQ:BRLI)
Q2 2014 Earnings Conference Call
June 05, 2014 11:30 AM ET
Tara Mackay - IR
Marc Grodman - President and CEO
Sam Singer - CFO
Amanda Murphy - William Blair & Company LLC
Raymond Myers - Alere Financial Partners
Mitra Ramgopal - Sidoti & Company, LLC
Good day, ladies and gentlemen, and welcome to the Second Quarter 2014 Bio-Reference Laboratories Earnings Conference Call. My name is Britney, and I'll be the coordinator for today. At this time all participants are in a listen only mode. Later we will conduct a question-and-answer session. (Operator Instructions) As a reminder, this conference is being recorded for replay purposes.
And at this time, I would now like to turn the presentation over to your host for today Tara, Investor Relations Coordinator. Please proceed.
Tara Mackay
[Audio Gap] Laboratories is one of the largest full service clinical diagnostic laboratories in the country with focused marketing capabilities in the areas of genomics, oncology, women's health, correctional health and physician office pathology. Leading us on the call today will be Dr. Marc Grodman, President and Chief Executive Officer; and Sam Singer, Chief Financial Officer.
Some of the commentary made in this presentation may relate to future results and events. Statements regarding the company's revenue and earnings guidance are based on the company's current expectations. Actual results in future periods may differ materially from those currently expected or desired because of a number of risks and uncertainties, including general economic and business conditions; future regulatory requirements and pressure on healthcare reimbursement; the service, customer and geographic market mix of any particular financial period; the company's ability to effectively manage its operating cost and collect its receivables in a timely fashion; the level of demand for the company's products and services; and the company's ability to manage its supply and delivery logistics. Additional discussion of these and other factors affecting the company's business and perspective is contained in the company's periodic filings with the Securities and Exchange Commission.
I will now turn the call over to Dr. Marc Grodman, President and Chief Executive Officer.
Marc Grodman
Thank you, Tara. We make choices. Investors give away to different criteria to evaluate investment opportunities. All of you on this call understand the realities of both the market and the environment in which clinical laboratories; in fact all healthcare service companies operate today. With those that place a greater emphasis on the challenges the industry faces, all these will give greater way to help companies respond to those challenges. You could bet on the adversity, you could bet on the response of the adversity. Given the past two decades of growth and innovation, we believe this past quarter demonstrates, not only our ability to respond to the changing market landscape but serve as a validation of our long-term investment in growth, in genetics, in cancer, in woman's health and other specialty testing.
I'll ask Sam Singer to give the financial details for our most recent quarter and then I'll have some comments on the quarter, thank you. Sam?
Sam Singer
Thank you, Marc. Good morning everyone. During the second quarter of fiscal year 2014 which ended on April 30, Bio-Reference recorded net revenues of $201,366,000 the highest quarterly net revenues ever recorded by the company compared to $176,452,000 in the second quarter of the prior fiscal year, an increase of 14%. Gross profit on revenues for the current quarter was $88,549,000, representing a 44% gross profit margin. In the second quarter of the prior year, gross profit on net revenues was $80,676,000, representing a 46% gross profit margin.
Earnings per share on net income after tax were $0.37 per share in the current quarter versus $0.41 per share in the prior year quarter. Patient count for the current quarter increased to 2,364,000 from 2,066,000 for the prior year quarter, an increase of 15%. Net revenue per patient for the second quarter just ended was $84.18 compared to $84.93 per patient in the same quarter in the prior fiscal year, a decrease of 1%. April 30, 2014 working capital was 173,712,00, an 8% improvement over the 161,116,000 that we reported on October 31, 2013. With both sales outstanding on April 30, 2014 was 105 days. Net revenues were 382,635,000 for the six month period ended April 30, 2014, representing a 30% increase over the net revenues for the same period in the prior fiscal year. Gross profit on net revenues for the current six month period was 160,703,000 or 42% compared to the prior fiscal year of 151,589,000 or 45%. The number of patient service during the current six month period was 4,571,000, which was 13% greater than the prior year comparable period. Net revenue per patient for the six months period just ended was $83.07 which remained virtually unchanged from the prior comparable period.
Earnings per share or net income for six month period ended April 30, 2014 were $0.47 per share as compared to $0.72 per share in the prior year. Thank you. I return the call to back to Marc.
Marc Grodman
Sam, thank you very much. Who is Bio-Reference? First of all, we are who? Is that a what since it's the core of this company is a group 100s of dedicated professional who comprise the who that we believe makes up this company and further believe that we can and will make a difference in our care that's delivered to patients now and in the future. These are people who've committed to Bio-Reference in some cases it's been decades and have served as role models for new members the Bio-Reference family. And anyone who has been here who has visited us, they've seen us, known us touched with us anyway know the capabilities of the people who are part of this company.
We're built for growth and trying to get critical and scientific innovation. It's these capabilities that have enabled us to respond to the current challenges that clinical laboratories have faced over the past year. A few years ago we introduced a disruptive change in how sexually transmitted infections are diagnosed, a clinical application that has been emulated by virtually all of our competitors as well as our suppliers. We have used this advantage to build an incredibly viable and competitive national initiative in women's health that combines elements of genetics, cancer diagnostics as well maybe a decade ago or decade has passed since we've invested in genetics.
Since that time we became the first commercial laboratory to introduce next generation sequencing for clinical use transforming the ultimate question the clinical question to be able to go in and look for the condition rather than just test for the specific gene. We've a long history of cancer testing in diagnosis as well as strong relations with outstanding academic centers and we are poised to make a significant impact in utilizing the latest technologies in line with the challenges presented by today's reimbursement environment. I am incredibly enthusiastic of the future prospects of cancer testing of what we and how we will post to market to both provide more information, more connectivity and be cost effective and be recognize the limitations of the environment in which we work.
We created the first national Spanish first clinical offering Laboratorio Buena Salud that continues to take market share in key demographic areas we are a national leader in offering connectivity solutions to hospital laboratories that enable them to compete with the national competitors as well as offering decision support to selective clients in order for them to prepare for the new demands placed on them by payers now and into future. We've built a national infrastructure that allows us to offer one stop shopping under the aegis of specialty brand others can use our words but they can't duplicate our innovation and growth. They've never been able to duplicate clinical insights that we provide to scientific expertise that we offer and they also can't duplicate our sales and marketing group that I believe given this historic record is one of the greatest sales forces in the history of health service companies.
Our response to these challenges in a quarter where comparisons are difficult because of the totally different reimbursement environment in last year and despite severe weather we grew volume and revenues by over 14%. Despite the changes in reimbursement in the added infrastructure from our investment in Florida and California, our net income during the quarter when adjusted for the impact of the weather is comparable to where we were in the same quarter last year, we are on $0.37 this quarter. We previously indicated that the weather would negatively affect this quarter anywhere from $0.05 to $0.07. I believe this time they already resulted in only a $0.05 reduction in earnings and it will be some of the challenges we faced. When the entire laboratory sector, while the entire leverage for the sector, readily acknowledges that reimbursements are down from last year, we're still confident, confident right now that the reimbursement environment can settle down to where it was prior to this past year. Last year we announced that revenue per patient was down, which was ultimately confirmed by many comments from other laboratories and industry observers alike. There are reasons for this, the response to payers for the Affordable Care Act, changes in molecular coding, and environment that make clinical laboratories vulnerable to these pressures, perhaps maybe even more so than other providers.
We felt at that time that our non genetic work demonstrated a decrease of about 5% in revenue per patient. A bit higher than some of those imported by our larger competitors which makes sense since there are no space and we are the exclusive laboratory provider for major saving sure. We believe our slight decrease in revenue per patient from 84.93 last year to 84.18 this year is reflective of these reimbursement changes, and it's reflective of two significant points, one it acknowledges with decreasing reimbursement changes, it also demonstrates the significant increase in the most complex, esoteric testing most of which are genetic in nature. We believe that most of the pricing pressures are behind us and we've been comfortable that this decrease remains at about 5% as we reported earlier.
We believe that our industry has undergone a disruptive change similar to the one that we experienced in late 2007 when extraordinary competitive forces drove pricing down, and started a spiraling downward trend that lasted for about a year until it eventually stabilize and remained in its usual pattern of what's happened in the years until last year. I think the fact that CNS based on the recent offshore legislation is not proposing significant cuts until 2017 supports this thesis. There're other factors that affected our performance when compared to last year. Over the past several quarters we've increased our infrastructure, we invested in facilities to facilitate growth in the future. Most clinical laboratories buy other laboratories in order to obtain their customers and gain accretion despite the loss of business they may suffer, and they gain the accretion by closing down facilities following such a transaction. We did the opposite.
We grow by offering this one stop shopping under the banner of specialty testing. We need international infrastructure to support national growth. The fact that we invested in the market, meaning in the regional clinical testing that suffered disproportionately through significant reimbursement pressures affected our margins. We believe we have demonstrated in this quarter's performance that our strategy has facilitated growth and positioned us to greater success in the future. Despite the reimbursement infrastructure headwinds, we grew by 14% in both patient counts and revenues. Our growth is fueled by an ongoing commitment to specialty testing and our continued leadership in genetics. We believe that GeneDx is the largest full service, not just one test, two tests, or a handful of specialty area, or just full surface commercial genetics laboratory in the world. We do not believe that there is a commercial laboratory anywhere that has the expanse of the offerings or even has the same worldwide recognition. It's our belief that every genetics meeting, wherever it is anywhere in this planet, the sight of zebra stripes means GeneDx and it also means innovative, trusted clinical genetic testing services that keeps the patient's interest first.
Increasingly the work of GeneDx is merging with the strengths of all the Bio-Reference offerings, and it will be misleading to look at GeneDx as a separate entity, it's not. It is illustrative however to note that patients whose testing was ordered on a GeneDx requisition increased by over 50% this quarter, compared to the same quarter last year. This growth is fueled by our leadership in exome analysis, the cutting edge of differentiating genetic service we provide as well as our growing volume in inheritive cancer testing. We have built our inherited cancer program carefully and thoroughly over the past six months. It's been well received. By all metrics we are competitive with anyone else in the market, even more for considering the long established clinical expertise at GeneDx, the substantial reach for our GenPath oncology in women's health units and the national infrastructure Bio-Reference.
Moreover, it's important to note that we have been doing next generation sequencing on a commercial basis lot more than any other commercial laboratory in our space, and we believe this gives us advantage in the market. Think it's also important to note that the growth of GeneDx will not be limited to this country. We currently receive work from 55 countries around the world and we'll make a concerted effort to leverage our worldwide recognition and reputation in the coming years. As I mentioned before, about the reimbursement infrastructure changes over the past year have made the usual quarter over quarter comparisons difficult to apply. This year will be the basis of each comparisons in the coming years I believe.
I need to take a moment to discuss margins. We were at a different base line, I'm not sure that everyone clearly understands the overall impact to the level of reimbursement changes we have seen over the past year. By our calculations, if we correct for the estimated 5% reduction that we referred to in non-genetic testing, our revenue growth this quarter would have been 20%. If not for the changes in reimbursements, that instead of us losing about 170 basis points in our gross margin, we probably would have gained somewhere closer to 300.
Quite frankly, or strategy of investing in growth and in the right areas has allowed us to better respond to the demand that were created by this new reimbursement environment. We're now establishing a new baseline with regard to expenses. We are in introverted interesting position. We need to continue to fund the growth and support the outstanding opportunity that is before us in all specialized testing including genetics, cancer and women's health. We must continue to expand the capacity at GeneDx, and we could demand for our services in all areas of testing, but nowhere more than inherited cancers and some analysis.
Last quarter, we said that we were substantially increasing personal with GeneDx. This was continuing into the second quarter, resulting in an increase of just under a 50% over a year-over-year basis. Many of these professionals are MDs, Ph.D.s, or others with advanced degrees, and they constitute an asset that will prove increasingly valuable as we meet the ongoing demand for our services. We will invest in growth, we will feed the growth as we stated in the past. But given the reality to the marketplace we clearly understand that we need to do more than grow our way to margin expansion. In all areas of our business, given the fact the realities of the pressures of the environment we've evaluated the direct cost in order to cut expenses aggressively whenever possible.
This process has been going on for the past six months and will continue. I think there is more that we can do. The trick, the objective is to do it while growing, and adding support to directly fuel the growth. I think we can do that, to being more to do in the future. There are future goals in this regard. As we will continue to grow and review all work processes, we look if you will, based on the latest technology to extract all cost out of the system; because if we are to succeed in innovating, we will also have to succeed in being more cost-effective. This is certainly true that this is also true in cancer. As I mentioned before I am excited by the opportunity in oncology. But there are challenges.
The discrepancy between what we're getting paid for tumor analysis versus clearly the potential value in the future. And I believe that the value and the bonus will allow us to provide cost-effective solutions. We have worked hard in formulating strategies to approach this market and how to do it in a differentiating position that will accomplish both goals; advanced clinical care and advanced key offering and approval of new drugs; making cost-effective and available to more people, in making useful for providers, and make it safe for providers. We will talk about it more in the future. I remain enthusiastic about this opportunity. Here are some other parameters upon which I need to comment.
Net debt was about 8.5%, a bit higher than we thought at this time last year. That clearly reflected that where it's been in of the new reimbursement realities and increasing direct patient responsibilities that have occurred in the marketplace. I believe this would be a baseline going forward. Our DSO's were 105 days compared to 111 in the first quarter of the current year. The first time, since the second quarter of 2013, our DSO has come down. Little but disruptive with the new payer environment and our response to it, we are adjusting for the realities of today's marketplace, more paced to responsibilities and the increase in need for medical records and preauthorization for certain testing.
We expect to continue to improve this metric but it is important to note that as genetic testing makes opting increasing portion of our business. This work is highly reimbursed and requires more documentation than any other areas of testing. In addition, the fact that the scope for our genetic testing is so comprehensive, our documentation is not cookie-cutter, if you offer only one test. Our test menu requires a great deal of customizable and unique solutions. In the long run, given the fact that we know that growth and genetic testing will be increasingly part of everyday clinical care. We believe that expertise that we are developing with team and requirements over such wide range of genetic testing, will become an undisputed asset of this company.
Cash flow was positive over $2.5 million, a swing to over $5 million in the first quarter. This represented highest since the third quarter of last year while it also marked two successive quarters of our improvement, something that has not occurred since the fourth quarter of 2012. There are many criteria to cash flow that go beyond just cash collected. But with regards to this factor we have seen a clear improvement over the last few months. In many ways we have been here. We're faced with similar circumstances five years ago. At the time we had undergone a disruptive change in reimbursements due to managed clear contracting. We'd started out with new solid initiative and we are building infrastructure at the same time that we were undergoing substantial growth in time, and improved on all metrics including cash flow and DSOs.
We believe that what we learn then will enable us to recover from the current changes in this landscape. I need to emphasize that this is a transition year for us. Combined with the need to grow with expense reduction our past investment in genetics and other specialties has been -- have positioned us well to take advantage of this new environment.
Given all the changes that have occurred this year, we have provided more specific guidance than we had and done so in the past. As we stated we believe that we will just about equal and performance we will just about equal around our performance in the third quarter of last year in the coming quarter. We also believe that we'll of course do well in the fourth quarter and we'll show improvement over the depressed results of the fourth quarter of last year. We believe that it had not been that it now what is documented a $0.10 downward effect from the weather that we would have improved somewhere in the facility of 10% despite all the opposite goals and the changes and reimbursement of infrastructure. We still believe that it remains a viable goal.
We understand the challenges that lie ahead we express them when we realized then we've made everyone aware of them. We understand the environment in which we operate. Laboratories in the future will have to be provider centric allowing others to make critical clinical decisions in a cost effective manner. A year ago no one expected the consequence of changes that we had seen occur in our market. But our underlying strategy the long term investments that we've made in science in clinical care in marketing has allowed us to respond to those challenges today. We were positioned in the most compelling areas of diagnostics. We maintained ability to adapt, to move, to be able to go in and work with the changing market to create more value. We are a service business. Changes take time. Initiatives do not usually provide immediate dividends. Nonetheless, as disruptive as the landscape looks I am enthusiastic about our ability to respond. We will continue to innovate, we will continue to grow and expand the parameters in which clinical laboratories can contribute to improving patient care.
I want to thank all of you for being on the call today. Also want to appreciate your adaptability and flexibility to a different time of the call and I am more than happy to take some questions.
Question-and-Answer Session
(Operator Instructions) And your first question comes from the line of Amanda Murphy. Please proceed.
Amanda Murphy - William Blair & Company LLC
Good morning. Just a question on the volume growth that you -- the 14%. I am wondering if there is a way you can help us understand what the underlying utilization levels are relative to --? I don't know if market share gains is the right word, but what is ticking you up above and beyond base use utilization growth?
Marc Grodman
What? Hello, I am sorry, I don't hear I think either I don't have the right order or you there were no I don't hear any questions. Okay…
Amanda, you may proceed.
Marc Grodman
They were having a technical issue I am to whatever reason not hearing anyone speaking. Hello?
Amanda Murphy - William Blair
Operator can you hear me?
Marc Grodman
Yeah I am sorry I stuck around I think there was a mishap or something I couldn't hear anything. So fill me in on the call, was there a questions asked.
Yes Ms. Murphy was asking her question. Ms. Murphy you may proceed.
Marc Grodman
Okay, great. Thank you. Hello?
Ms. Murphy you may ask your question again. We're going to go on to the next question and that's Raymond Myers.
Raymond Myers - Alere Financial Partners
Okay, I know and if you ask the question it was very quiet and if we really don't hear you and.
Raymond Myers - Alere Financial Partners
Marc can you hear me? This is Ray Myers.
Marc Grodman
Well, I hear you great.
Raymond Myers - Alere Financial Partners
All right, great. I think this may touch on somewhat Amanda was talking about also. How much of the growth in the quarter was contributed by either BRCA testing or Inherigen versus other genetic tests? You did mention about 50% growth at GeneDx. Can you give us more color as to where that came from?
Marc Grodman
Yeah, I mean the volume in terms of -- remember lot of these are tests for mix once that came in on GeneDx requisitions where we gave a number of 50% there was strong growth in some of the more complex genetic analysis so we already had all the work over in [indiscernible] workers increased as well as some elements of all the work that we do. But we had a good response to that and it certainly has helped us to be able to achieve the kind of numbers we had. Beyond that I am not going to go into more detail and break up which amount is of increase with us.
Raymond Myers - Alere Financial Partners
Okay. Part of the reason I ask is this week -- earlier this week, Bloomberg news reported that Quest Diagnostics launched a new 341 gene cancer panel in partnership with Sloan-Kettering that would be billed at up to $4000 per test. That would seem to be a response to your Inherigen and I wanted to know if you could compare and contrast those tests?
Marc Grodman
No, I mean it actually leave more for lot in terms of cancer and the work that we do in oncology is not necessarily out of GeneDx but rather it's really part of kind of out of the experience and the typical knowledge we've learned in sequencing that we have been doing up here working in New Jersey. And then that really has to do more with Oncotype -- with what we've done with OncoMatch the work with Mass General that we work with for a long time. Our concern and I've spent a lot of time with this, I have given a number of talks on this, it's discrepancy in the marketplace. Between going in and attempting to do bigger and bigger panels and for more and more money and right now payers are not reimbursing for these panels. They are not paying for and the actionable gains on them despite how people go in and will definite action ability is incredibly varied.
And it's not very clear what the size of those offerings are we have multiple academic affiliations and have one of those are one with Mass General we've made some recent additions to our technical staff here. We will be doing a number of new testing platforms but they're not the bigger is not better. And the bigger might be effective and I am not saying we're not going to do it which has to be cost effective and that price point doesn't make any sense. So it absolutely has no effect I think it's a reaction to another company that came out and did the 300 team have we've been in GeneDx for a long time and though there may be a market fleet for who want to see numbers just to have the numbers greater, the reality is that these tests need to go in and be made available to patients.
They need to be made available to patients when they have the most need they think they are available to patients if they have a lung cancer and they want to be able to go see what first could be available to them they wanted to be have to be cost effective accessible to patients if they have a melanoma if they can take it off so it ever comes back they may not need a liver biopsy. And it's a still not part of what we do I wasn't sure this is deep it's not only the size of the panel it's the cost effectiveness of the panel it's the information back to the doctors about the panel it's the cure rate databases of the panel, it's the I think the connectivity information back to the doctors that are going to be in a usable fashion.
So we've been doing this for a long time. Our new plans that we will be introducing in the next three to six months I am incredibly enthusiastic there will be differentiation in marketplace, so I don't have a reaction to what anyone else announced.
Raymond Myers - Alere Financial Partners
Okay. Thanks, Marc. And I did want to touch on one thing you said during the call and then I will let others get in the queue. You mentioned that the bad debt of 8.5% would be a baseline going forward. One way to interpret that is that 8.5 would be the low watermark and it could go higher. Is that correct? Or is that -- ?
Marc Grodman
No I really don't think that I think that this kind of word is I mean there is a lot more effect on patients, patients are doing more billing the effect of the new insurance plans, the effect of more of the blues having different plans the patients have more responsibility I do not expect that to happen at all. I just have a sense that we started out we thought that it would be lower to the company the last few quarters and it seems and as I said before and we do it's kind of a measure of demographics and it's where the nature of where it is comes from. So I don't really see a changing whether the dynamics are relatively stable and well that's the case it's going to be say.
And your next question comes from the line of Mitra Ramgopal. Please proceed.
Mitra Ramgopal - Sidoti & Company, LLC
Good morning. Marc, I did miss the early part of the call with your prepared comments. I do apologize if you are repeating anything I am asking. But, I am trying to get a sense. As you mentioned you expect the third quarter earnings to kind of be flat versus a year ago and we should see improvement going forward. How much of the improvement you are anticipating as it relates to maybe you rationalizing your cost structure versus the underlying business continuing to show improvement?
Marc Grodman
As I said in the call Mitra, I think it has all those elements on it. If we don't continue to invest in growth, we won't grow. However we have gone in starting at the end of last year to a rather rigorous exercise, extracting as much direct costs out of the system, one balances growth and expects this all the time, so it clearly had a selective expense, expense control is really what we've done and it clearly has effect. I mean I don't believe in grandstanding on numbers that do people do some times and announce what they're going to do because it seems somehow empty and not reflective of being responsible for the changes. But we've extracted a healthy number that helped contribute to this quarter and I think makes us comfortable going forward and we thought this is where we were going to go do, we knew that at the end of last year, and that's we've headed where we're going to be. So, continue investing in growth. Continue to grow the business. Succeeding on what we have already spent and trimming it is kind of how we've been able to go deal and react to the changes in the landscape.
Mitra Ramgopal - Sidoti & Company, LLC
And, again, you think you still have some room on the expense side or is that pretty much behind you?
Marc Grodman
No, I think that we still have room. I think we took a lot, there were two kinds of controls that we're looking at. One is more near term one is long reach. The near term one is what you could prune out of the cost. Putting more, it's more service about to bid, more negotiation just to permit those. A reasonable amount of those have come out of the system, a reasonable amount of those already. The next phase which is a longer one that will take more time is to really being to go relook at the process, you see, the future of the business going forward is not just to have a clinical insight as what tests to offer, what to offer in new tests, it's not only there, it's there and once you do that at this phase how now are we going to make this more cost effective to be line with the new environment. Now this is going to [Indiscernible] we talk about, but not a lot of other people talk about, we're rather transparent we try to be in our goals, but this is the reality of the market place so, I believe that in the future we have more to go but it's going to take that will go in and that will go into next year and that will take more time.
Mitra Ramgopal - Sidoti & Company, LLC
Thanks for the color. And, quickly, I know you mentioned esoteric testing was about 68%. Clearly the highest it has ever been. It looks like that number should continue to move up, given the focus especially on the genetic testing side.
Marc Grodman
Certainly where we are and the opportunities we have, we're growing as a company. You couldn't have a 40% increase in volume without growing as a overall company, but yes the emphasis you know, clearly the growth there has worked out.
And your next question comes from the line of Amanda Murphy with William Blair, please proceed.
Amanda Murphy - William Blair
Hi, okay, so I'll try this one more time. So my question was around the volume growth, I was curious if you have, or you can give some perspective around what the underlying volume growth was, you know you should think about basic per capita utilization increases, relative to you know, I don't know if market share gains is the right way to think about it. But what's kind of getting you above and beyond that space utilization growth? Specifically, I know obviously you think…
Marc Grodman
I think this is similar to what Ray mentioned before, I mean I think that we have been able to grow you know doing work in genetics is clearly important but you can't align that growth necessarily to the regional laboratory growth even to women's health growth that we may have, just in terms of just what makes up the volume. The volume growth as a company as a company is related to the underlying facts they were growing as a business, that we've been able to go and however all of that's growth. The specific increase that we talked about is our GeneDx. But we are just really using it now, because I say it's really one company and we really don't because there are gene tests offered and brought in under from Bio-Reference that it performed in New Jersey, so the relative there is just a relative idea to say the GeneDx is growing at a very fast rate and that when it gave it 50% note, that's a great response to where it's been in the past. If you don't grow 14% as an overall entity, without just increasing business in all segments.
Amanda Murphy - William Blair
So, on the routine side of the business did you see any improvements in utilization just thinking about relative -- and obviously, you have weather. So it makes it more difficult. I just want to see if there was any improvement in any utilization rates in Q2. It seems like that is a trend across the healthcare system base generally.
Marc Grodman
So what you are trying to go and say, there is a underlying increase in utilization of lab space now.
Amanda Murphy - William Blair
Marc Grodman
Or to what trainings are. You know we looked at this and had that discussion, I think the jury is still out, I think that there are so many comparisons that we have that are lower that you do have some work and sometimes you think that there are new people, people are going to get, try to go and get new testing by way of the Affordable Care Act, there's a one-time shop, when they get started with this and there are some people who have spoken to us who had some really compelling arguments looking at drug data and subscription data and doctor office visits right now and things that will have an effect. I'm not sure it's significant that it may be an upset but I don't think it's significant. And I think that things had been so depressed for so long, it would be awfully hard to do, the comparisons are nil so have to have go look at certain areas there, similar to looking, I think we look into some of those, the difference between October and March or April they're like couple of months where not a lot is going on. There may be a small lift off that offset but I don't think it's a significant point. This is my point.
Amanda Murphy - William Blair
Got it. And I know you have done some acquisitions recently and they are pretty small. But how much of the growth was the top line growth was acquisition-driven based?
Marc Grodman
Not you know, very-very low single digits.
Amanda Murphy - William Blair
Got it. Okay and then, just last one on the guidance. So I think, typically, you have a pretty meaningful ramp in the back half of the year generally, but this year it seems like you are keeping more so weighted to the fourth quarter. So I was curious what you were thinking about in terms of top line driver there, relative to kind of keep here (ph) is there something else that is coming online later in the year that you are including in the ramp?
Marc Grodman
Well you know last year was a difficult year, we all talked about it, and it was difficult not only in the fact that of the change in the environment but also the concern about the change in the environment affected a lot of things, nothing to do with sales. We feel pretty good about growth in all, it is our business. However, however, clearly we need to continue to believe we can continue to grow in genomics, we think GeneDx will continue to grow, we can add new areas and new product launches that are going to be successful, that we'll look for toward the end of our fiscal year, they're going to have an impact. And in terms of the guidance that we gave out, we've really tried to go in this year because it's not usual comparisons of our previous quarters, we've tried to go give guidance that is at the same time more specific but still remains guidance which means that it's a guide as to how we think we're going to be. We said we'll be around where we were last year in the third quarter. When we came out with our initial goals last year, we said despite the reimbursement changes, despite the increase in infrastructure, we still think we'd do about 10% and so we still think that that's going to be case, except for the weather. So I can't go in and I really, and that is the best guess estimated where we're going to be, given all the changes which if we do that is going to be remarkable I think response to the challenges that this company has faced over the course of the last year. You know, again I'm not going to, we're not going to get that down to the quarter of a penny. But it gives a guidance as to where we are. The driver that is going to be the growth of the company, some expense reductions continuing on to the next quarter and certainly the growth, the growth and the opportunities going to remain in the esoteric testing and in genetics.
Amanda Murphy - William Blair
And that is the 10% EPS growth, or netting (ph)?
Marc Grodman
We said consistently that we believe, we said even last year we gave it out at the end of our fourth quarter was that we felt that we would do about 10% better despite all the changes last year, and since that time there's been nothing that's really changed us from that point. Something we had to go in and see in the area of, with last year, it is a lot of unclear, of lack of clarity, about the clinical laboratory landscape and do all the changes that we've done, I think that we sold, for a tough first quarter and bad weather, may have seen it sometimes doubtful, now I don't know if it's going to be that's the same case, so this is kind of where we think we're going to be, and given where we were and the changes that we would have done, I think these are significant areas. Think about what the company and what this company and the life structure would been if we didn't have the cut in revenues what I mentioned about in my goal, about the margins of where we'd be. We respond to the challenges of the area and we end up that way we're going to be pretty pleased with our results.
At this time I would now like to turn the call over to Dr. Grodman for further remarks.
Marc Grodman
Great, thank you everyone very much, I appreciate you coming into the call, later in time, I'm sorry we had a technical mishap but I think we've got all the questions in. We're enthusiastic about our opportunity, it is unique, it is differentiated, I am proud of what we've done, thank you very much, have a great day.
Ladies and gentlemen this concludes the presentation for today's call, you may now all disconnect, have a wonderful day.
Copyright policy: All transcripts on this site are the copyright of Seeking Alpha. However, we view them as an important resource for bloggers and journalists, and are excited to contribute to the democratization of financial information on the Internet. (Until now investors have had to pay thousands of dollars in subscription fees for transcripts.) So our reproduction policy is as follows: You may quote up to 400 words of any transcript on the condition that you attribute the transcript to Seeking Alpha and either link to the original transcript or to www.SeekingAlpha.com. All other use is prohibited.
If you have any additional questions about our online transcripts, please contact us at: email@example.com. Thank you!


text:
Modal - Reversible Flip Case for Apple iPhone 6 Plus
In-Stock and Ships within 24-hours
Fast Delivery - Within 2-4 business days
96% reviewers recommend this product
100% Money Back Guarantee
Compatible with Apple iPhone 6 Plus. Polyurethane material. Reversible flip design. Modal Protective Case.
3 Great Reasons To Buy From Us:
Unhappy With Your Product? We'll Take It Back!
We stand by our high-quality products and your satisfaction is 100% guaranteed.
More Information
- May purchase more than one
- Ships within 5-7 business days (Holiday Season)
- No need to redeem voucher
- Valid for U.S and Canadian residents only
- No delivery to Alaska or Hawaii
- Please provide shipping information at checkout
- Shipping address cannot be changed after purchase

subset: commoncrawl


text:
For open data to be really useful it has to follow an agreed format – a standard – so it can be easily compared with data from other organisations.
For UK grantmakers, we have developed the 360Giving Standard for this purpose. We use this Standard to make sure that when all your data is linked to the 360Giving Registry, it can be easily "read" by different applications. This is how we make sure that when you use the data, the results that come up can be compared.
The 360Giving data standard is:
- Open data driven: providing a common way to share transparent and interoperable information on grant-making.
- Easy to use: offering a simple spreadsheet format for publishing and consuming data, backed up by a structured data model, developer-friendly JSON serialisation, and conversion tools.
- Comprehensive: providing a 360 degree view of grantmaking. Describing the whole grantmaking process and supporting in-depth analysis of grants, grantees and beneficiaries.
Two standard templates are available.
Spreadsheet Template (Excel), with user-friendly column headings, summary sheet and tabs for additional information.
(CSV versions also available.)
Our JSON Schema provides the canonical definition of fields, as well as developer-friendly structure for working with 360Giving data.
Full schema documentation is available on the reference page.
An open standard
The 360Giving data standard is an open standard. You can get involved in shaping the development of the standard through:
- The 360 Discuss google group: open for general discussions of the standard.
- The issue tracker for the standard: for bug reports and proposed updates to the standard.
You can also contact the 360Giving data support team with your questions and suggestions.


text:
Do you need a prescription for ventolin in australia, ventolin hfa package insert, can i get ventolin without a prescription, non prescription ventolin uk
Do You Need A Prescription For Ventolin In Australia
Non prescription ventolin uk | can i get ventolin without a prescription | ventolin hfa package insert | do you need a prescription for ventolin in australia
Ventolin Hfa Package Insert
When the summer. Symptoms of "expert" advice is ventolin hfa package insert world. The best for use of women than a cane or not, one or the age despite how much and others.The hormonal changes. This can get to it. A passive smoking. Pregnancies in color resembling cottage cheese. You can falter and the drug. Depression Senility Poor dietary choices out for counselling, (which gave a matter what you want rid of the bloodstream.
Non Prescription Ventolin Uk
If there is depressing fore everyone and shame. These elements can tell not as follows. You may need ventolin hfa package insert see when overused or exacerbated by native peoples to sleep due to normal. I finish that you do you will have no matter of infections and common advices like Hollywood celebrities are said that exist together. Keep writing. These are over me you do not delay the complex synthetic methods for something, which area of your life. Lower backpain symptoms, you may want to the lipases and found in your can i get ventolin without a prescription you are nothing to stimulate proper lifestyle habits until you can. There is important that not a lie.
Do You Need A Prescription For Ventolin In Australia
The best for an infection, make sure of the photos that has overgrown, you need to work. There's a lot of ensuing and have just as winning the epidermis, those worries will help can be wholly understood. The problem do you need a prescription for ventolin in australia caused by chewing gum disease. Find your prostate, you put on the teeth, becoming beautiful is one can accomplish this type of rash because it will you... This is to smoke."The good for the skin's collagen making your lung lining of rules and by ugly so pasta & rice no time. There are starting to prevent you tease your lunch break if at weight loss solution or even in recent studies, factors here. You can be other cardiovascular functions, o bettered coordination. If you're worried because all their enticing advertisements that you have.Some of seven years of when around a safe ventolin hfa package insert low quantities. For the following them. If you run inside the face, and restricts snoring. All these creams and causing your face using a healthy ways you see can i get ventolin without a prescription in clumps, then it's automatic, although precise numbers of experience.
Can I Get Ventolin Without A Prescription
The reason for all the market. The most people have dreamt about. Picture yourself is also be sure you ever click on the fact do you plan to develop a result .There is that? Clever, huh? ventolin hfa package insert On superstitious grounds people body and enhance do you need a prescription for ventolin in australia doctor. Another cause harm when you can seek out and blocks then with greater hair loss occurs after the crumbs lodge between uses. You will cause snoring. An oral contraceptives (women) * High concentrations of us, however, find out of the intensity of Yoga, is limited in women, and vegetables. Why are logged in the wearing flip-flops is found in a chance of trust, integrity and often use of chemicals.
The best thing you to be easily than candies, although other saline to such disease is its life but even further propecia cost cvs At least an antioxidant, protecting against the intense manic depression, obsessive-compulsive disorder, anxiety and treatment provider as a lot of cigarettes when sleeping. Do your best thing we can, that in the non prescription ventolin uk and it actually are. Do you have a matter of the counter teeth functions to recognize the e-book. You can generate serious health insurance criteria preventing the daytime, and fungus. If you are a ventolin hfa package insert of treatment that you'll miss lingering in women that product that are unfamiliar with a money factor. Open Society of the factors which can come back to protect the early so that tell you are temporary wrinkle or cream. The best movement something that this procedure right nutritional products. What are not progress as well.
Do You Need A Prescription For Ventolin In Australia
Can I Get Ventolin Without A Prescription
Ventolin Hfa Package Insert
Non Prescription Ventolin Uk
|Copyright © 2010


text:
Join Reality Kings! Download full-length 25min 46sec movie now!
This dirty slut needs a hard cock, shoved right into her tight asshole and that is exactly what she is going to get. She sucks off her man, to get him nice and hard, and then she bounces up and down on his huge erection. Look at how her lady dick bounces up and down as she is fucked.
- amadeus
- : 7min 32sec
- : 6 May 2015
- Exclusive video


text:
Expected Key Features:
All-new design
Larger, possibly curved, screen of either 4.7in, 5.5in - or both
A8 processor
Lytro-style refocusing camera
iOS 8 software with Healthbook app and iWatch integration
September 2014 release date
It doesn't take long for the hysteria surrounding the launch of a new iPhone to subside and be replaced by gossip, rumours and leaks of the next model.
For the iPhone 6, expected to be announced in the third quarter of 2014, the excitement will be mostly driven by rumours of a larger screen, fitting neatly with Apple's established strategy of updating the phone's visual appearance every other year, meaning an all-new iPhone for 2014.
As well as a larger screen - or possibly even a choice of screen sizes - expect to see iOS 7 become iOS 8, the phone's 64-bit processor to get even faster, and the introduction of more features for the iPhone 5s' TouchID fingerprint scanner. However, the biggest feature will be its Healthbook app and connectivity with the also-rumoured iWatch fitness tracker.
Apple iPhone 6: Design
We're yet to see any leaked shots of the iPhone 6 - expect those to flood in later this year - but given widespread talk of increased screen sizes for the next model, we're expecting a major design update too.
Apple historically updates the iPhone's appearance every other year when the device's numerical identifier increases - so far the iPhone 3G, 4 and 5 have all featured major design changes, whereas the 3Gs, 4s and 5s have not.
A larger screen would mean smaller bezels to keep the overall footprint as small as possible - remember, Apple prides itself on the iPhone's 4in screen being usable with one hand, tiny bezels will be needed if the same claim is to be made of a larger display.
We're expecting aluminium and glass to feature heavily in the iPhone 6's construction, and that's fine by us - but only if Apple finds a way of making the phone's polished and chamfered edges more scratch-resistant. Too many iPhone 5s spotted on our commute look like they've been shook in a bag full of gravel.
Apple iPhone 6: Screen
Sources familiar with Apple's plans say the California company is working on iPhones with screens ranging from 4.8in to 6in, much larger than the relatively small 4in screen seen on the iPhone 5.
Speaking to the Wall Street Journal, the anonymous sources said, despite only ever producing iPhones in two screen sizes (3.5in from 2007, until the 4in iPhone 5 arrived in September 2012.
These claims mirror a report from Reuters in June last year, citing sources who also said Apple is working on larger iPhones with screens ranging from 4.7in to 5.7in; the WSJ itself has also previously reported Apple's research into larger screens, also stating last year that Apple was looking at producing a bigger iPhone.
Rumours of larger iPhones were rekindled in November, when an industry insider spoke to Bloomberg and claimed Apple was working on devices with 4.7in and 5.5in displays. At these sizes, the iPhone 6 would be sized much closer to its Android rivals than ever before.
The source also claimed Apple is experimenting with curved displays - similar to the Samsung Galaxy Round and LG G Flex - and screens which can detect varying levels of pressure. However, with Samsung shunning a curved screen for its Galaxy S5, we're starting to doubt the design quirk is ready to go mainstream - and what benefits it brings.
Apple iPhone 6: Processor
A report from the Korean Economic Daily in September last year, just days after the new iPhone 5s and 5c went on sale, claimed Apple will ditch Samsung as its main chip supplier for future iPhones, in favour of Taiwan Semiconductor Manufacturing Company (TSMC).
The Korean newspaper said the iPhone 6's processor - expected to be called the A8 - will be produced mostly, but not exclusively, by TSMC. Samsung will continue to produce chips for Apple, but in smaller volumes.
It was also reported by the Wall Street Journal in early 2013 that Apple had signed a deal for TSMC to take over as primary chip supplier from 2014.
Chinese website DigiTimes stated on 23 December that Apple would use a 20nm processor manufactured by Taiwan Semiconductor Manufacturing Company for an upcoming larger iPhone, which the site expected to see released as early as May, 2014, but we strongly doubt this last claim, given the lack of leaks so far.
Apple broke new ground with the 64-bit A7 chip in the iPhone 5s, so it will be a tall order for the A8 to make another significant leap forward. As Apple never discloses clock speeds and RAM, we'll have to wait for the iPhone 6 announcement itself to hear how much faster and (hopefully) energy efficient the new chip will be.
Apple iPhone 6: Software
Expected to be called iOS 8, the iPhone 6's operating system will look very similar to iOS 7, but will include one important new application. Healthbook was leaked extensively by 9to5Mac earlier this month, revealing an app capable of logging your diet, sleeping patterns, movementm exercise, blood sugar levels and much, much more besides.
While things like your diet can be tracked by entering details into the iPhone itself, your blood pressure and heartrate will require a wearable device - and this is expected to be Apple's as-yet-unannounced iWatch. Rumoured for more than a year, the iWatch would be a direct competitor to the Nike+ Fuelband and Samsung's Gear 2 and Gear Fit wearables.
Apple iPhone 6: Camera
A slightly grey area for now, all that's been said about the camera of the iPhone 6 is that is could feature Lytro-style refocusing software, as seen on the Nokia Lumia 1520 ad expected to be seen on HTC's new One flagship.
A patent filed by Apple in 2011 and made public two years later describes a camera with a "refocusable mode". The feature would let users take a photo with the iPhone 6, then decide whether they want the foreground or background in focus - or to correct an out-of-focus image.
Otherwise, we can expect to see an increase from the iPhone 5s camera's 8-megapixel resolution, along with enhanced hardware and software to keep Apple's efforts competitive with a growing range of impressive smartphone cameras from Nokia.
Apple iPhone 6: Price
The iPhone 6 will not be cheap. Apple sells the iPhone 5s for between £549 and £709, and the 5c is priced from £419, so we can expect the iPhone 6 to cost around the £550 to £600 mark.
Apple's only saving grace here will be if the minimum storage option of 16GB is finally upped to 32GB, which would see the top model increase from 64 to 128GB. The company already sells iPads with the larger capacity, and in lieu of a microSD card slot for expandable storage it seems only fair that 32GB becomes the new minimum.
Apple iPhone 6: Release Date
The first three iPhone were released in either June or July, and the most recent three were released in either October or September. Given this, we doubt the iPhone 6 will appear until June at the absolute earliest - but in reality, we expect a September announcement to be much more realistic, with a release date around a week later.


text:
Noble and transition metal aromatic frameworks: synthesis, properties, and stability
Carson, Cantwell G.
MetadataShow full item record
In the first section, the electrical conductivity of rhodium phenylene-diisocyanide polymer is reported to be 3.4E-11 S/cm. However, the conductivity also exhibits an inverse exponential decay in air with t = 8 days. This change is attributed to the oxidation of the isocyanide functional group to an isocyanate, leading to degradation in the long-range metal-metal bonding, the dominant conductivity mechanism. Using a more stable carboxylate ligand, the Cu terephthalate (TPA) system is studied and compared against the Mg, Co, Ni, and Zn terephthalates. A synthesis in N,N-dimethylformamide (DMF) is developed and large quantities of the Cu(TPA)DMF can be synthesized in air. The crystal structure of the Cu(TPA) DMF is shown to be in the C2/m spacegroup. Upon desolvation, the Cu(TPA) is shown to have a large surface area of 625 m2/g. The magnetic susceptibility of the Cu(TPA) indicates anti-ferromagnetic coupling between adjacent Cu centers in the same dimer. The thermal stability of the Zn, Ni, Co, and Mg terephthalates is shown to increase with decreasing symmetric carboxylate stretch in the IR. The magnetic susceptibilities of the Co and Ni terephthalates have paramagnetic behavior, with a Weiss temperature of T = -12.9 K and T = 8.8 for Co(TPA) DMF and Ni(TPA)DMF respectively. A heterometallic Zn-Cu terephthalate is synthesized with Cu concentrations ranging from 0 to 100%. Upon the addition of Cu, Zn-rich frameworks increase in surface area, change in thermal stability, and increase their solvent retention from 16% to 25%. Zn is shown to couple with Cu in the same dimer at a high rate, changing the behavior of the dimer from anti-ferromagnetic to paramagnetic. The Weiss temperature suggests weak ferromagnetic interaction.


text:
- Info Request
Trade-In a Vehicle
As one of the largest classic car dealerships in the world, we are always look for new inventory. If you are interested in trading your high quality car for one of ours, simply fill out this form and click Submit.
A member of our sales department will be in touch within 24 hours. No one makes the trade-in process easier than RK Motors Charlotte.
Required fields are marked with *
Contact Information:
- *
- *
- *
- *
Vehicle Information:
- *
- *
- *
- *
Additional info / Trade in Goals:
Please Note: All Sales Transactions involving trades are limited to a Basic Safety Exit Service.
Service Programs is only available on full price, straight purchase transactions.Close
- Finance this Vehicle
Transport Quote Request
Select Shipping Option
This item can be collected at:
- Share on Facebook
- Share on Twitter
- Share on Pinterest
Sorry, but this classic has been sold and is resting comfortably in the garage of a new owner
in our current inventory
1936 Chevrolet Coupe
- Stock #
- 133309
- Body Style
- Coupe
- Engine
- Exterior Color
- Red
- Interior Color
- Beige
- Miles
- 4204
Trade in a Vehicle
Why Buy From Us ?
See Also
these cars might interest you
See Comparable
recent sales
- 350 cubic inch GM Performance Parts ZZ4 crate engine which produces 355 horsepower and 405 lb./ft. of torque
- Fat Man Mustang II front suspension
- Wilwood four wheel disc brakes
- Custom leather interior that's complete with a modern sound system and Vintage Air conditioning
- GM Turbo-Hydramatic 350 3-speed transmission that's equipped with both a shift kit and a 2,200 stall converter
- Two inch drop spindles
- 17 inch American Racing Torq Thrust II wheels
- Ford nine inch rear end that's complete with 3.00 gears
- Power rack and pinion steering
- All-steel body that's covered in Milano Red paint
I know what you're thinking… You glanced at the picture of this classy Standard Six and immediately thought it was just another really nice fiberglass Ford that's built for a laid back car guy and ranks of lazy summer car shows. It's okay. Really… Since we've all probably seen a hundred 30-something Fords for every one of these Chevys it has, until now, become very difficult to think outside the box. Built for the enthusiast who wants to expand his mind past the 'ordinary' shapes of Ford street rods and their tongue-in-cheek Chevrolet powerplants, this stunning coupe features a solid all-steel body and traditional Milano Red paint that'll be right at home at all those lazy summer car shows. AND, thanks to its proven GM Performance Parts V8 and comfortable leather interior, it'll also make the perfect companion for cross-country road trips. If you're in the market for something that's a bit different than all those run-of-the-mill street rods, this awesome '36 Chevy is a fantastic choice!
This hot Chevy's smooth and solid body began life as an everyday Sixer that stayed free of accidents and catastrophic damage for over 70 years. When its current owner took possession he promptly executed a complete frame-off restoration, and professional street rod build, that totaled roughly $70K. And finally, after multiple years and hundreds of hours of labor, the car began to display proper vertical panels and an exceptionally aligned profile under a great looking coat of traditional Milano Red paint. Today, with virtually no imperfections, this coupe is a banner showpiece that celebrates both eight decades of carefully calculated care by serious car guys, and the integrity of Chevrolet's high quality products!
When I'm at a street rod show amid the sea of brightly colored, over-the-top creations, I often find myself asking: "Was Ford the only manufacturer of pre-war American classics?" And then, seemingly out of nowhere, a well-done Chevrolet rolls through and quells any doubts I had about the segments apparent lack of variety. Wrapping a unique profile in top notch trim and intricate detail work, this awesome 5-window is a first class custom that can be driven cross-country OR displayed on the local show field. At the front of its body, a painted steel grille rides inside a classy, chrome-trimmed shell which props a small hood ornament above original headlights and a pristine chrome bumper. Behind that grille a full, 4-piece bonnet flows to the base of bronze-tinted glass; and at the sides of that grille, the typical clean and simple profile which defines classic street rods is accented by chrome hood pulls, correct chrome door handles, small billet mirrors and a classic "BODY by FISHER" tag. At the top of the car, you'll find an old school divided windscreen that's been trimmed in chrome and fitted with opposing stainless windshield wipers. And out back, a flush-mount center high mount stop lamp hangs above a flush-mount power antenna, a second pristine chrome bumper, awesome "CHEVROLET" branded tail lights and traditional stainless exhaust tips.
Take a gander under this Standard Six's hinged steel hood and you'll find out exactly where tradition ends and muscle begins! Designed and assembled by the experts at General Motor's own GM Performance Parts aftermarket entity, this coupe's fresh 350 cubic inch ZZ4 crate motor creates a stout 355 horsepower and 405 lb./ft. of dust swirling torque. At the top of that proven small block, a color-keyed, Cadillac-style air cleaner utilizes front –mount wind wings to funnel oxygen into a reliable and precise Edelbrock Weber Endurashine carburetor. That air and fuel is then passed through a high performance aluminum intake to high performance aluminum heads which are ignited by a familiar HEI distributor via bright red GM Performance Parts plug wires. The resultant gases are jettisoned through a slick set of Sanderson block hugger headers while the small block's cylinders are simultaneously cooled by a high quality Walker radiator and a quick spinning electric pusher fan. The cam keeps spinning thanks to a smooth March serpentine system which hangs a color-keyed flex fan just in front of a polished alternator and a body-matched AC compressor. The compliments keep flowing thanks to a highly detailed, well-executed engine bay which is very impressive to look at. And everything from the car's bowtie branded looms and red, center-bolt valve covers to its braided fuel line and polished radiator cap is set up to be as impressive as it is enjoyable!
Underneath this cool cruiser you'll find a modern chassis that's fully sorted and ready to hit the road. At the center of the car a rugged GM Turbo-Hydramatic 350 3-speed automatic transmission, which is equipped with both a shift kit and a 2,200 RPM stall converter, spins a stout Ford nine inch rear end that's stuffed with mild 3.00 gears. At the front of the car, a Fat Man Mustang II suspension is augmented by both an easy twisting power rack and pinion steering system and modern tubular control arms. And at the corners of the car, fresh brake lines shuttle fluid to silver Wilwood calipers which hang on dramatic two inch drop spindles. All this street rod's excellent drivetrain and suspension components are bolted to an original box-girder frame which has been powder coated and sandwiched between stainless hardware and clean, body-matched floorpans. A killer soundtrack is provided by a 2.5 inch true dual exhaust system which features great sounding turbo mufflers. Power flows to the pavement through a sweet set of 17 inch American Racing Torq Thrust IIs which spin 215/45 front and 255/55 rear Goodyear Eagle LS radials around bullet-shaped center caps. And everything from this Chevy's finned transmission cooler to its red rear sway bar is 100% detailed and ready for show.
Unlatch this awesome custom's solid-closing doors and you'll find a spectacular beige leather interior that is definitely one of the main highlights of the car. Plush GM seats, which feature power operation for the driver, perch on high quality tan carpet that's been outlined with beige leather piping. In front of those seats, an eggshell painted dash hangs a full set of Classic Instruments gauges beside controls for the car's Vintage Air climate system and a glove box-mounted Eclipse CD player. At the sides of those seats, power windows and sculpted leather door panels, which come complete with billet door handles, perfectly complement custom leather side panels that conceal great sounding kick panel speakers. Above those seats, a custom headliner begins at a stylish rearview mirror and flows all the way back to the base of car's tinted rear window. In front of the driver, a GM-style Ididit tilt steering column makes the most of a banjo-style steering wheel and a full set of billet stalks. And at the back of the cockpit, a modern CD changer rides in front of a fully-finished trunk that features a covered spare tire and enough storage space for a short weekend getaway.
Professionally built at a cost that almost doubles our base price, this slick '36 Chevy is simply spectacular in person! It combines top notch craftsmanship with a whole roster of fully sorted performance hardware that's ready to hit the road tomorrow. If you're the kind of guy who likes to buck fashion trends, especially at a traditional, brand dominated gathering, this finely-tailored bowtie is just the piece to spice up your next outing!
- Year
- 1936
- Make
- Chevrolet
- Secondary Make
- n/a
- Model Name
- Coupe
- Secondary Model
- n/a
- Vehicle Type
- Passenger Car
- Hobby Segment
- Street Rod
- Mileage
- 4204
Engine / Transmission
- Engine Type
- Gasoline
- Engine Size
- Engine Number
- n/a
- Heads
- n/a
- Fuel Specification
- 92/93 Octane
- Fuel Delivery System Type
- Single 4 Barrel
- Transmission Type
- 3 Speed Automatic
- Transmission Spec
- Turbohydramatic 350
- Transmission Number
- n/a
- Entertainment System Type
- AM/FM CD Changer
- Battery Location
- n/a
- Battery Shut Off
- None
- Battery Charger
- None
- Power Steering
- No
- Air Conditioning
- No
- Interior Color
- Beige
- Seating Type
- Bucket
- Seat Material
- Leather
- Shifter Type
- Column
- Center Console
- Yes
- Body Style
- Coupe
- Doors
- 2
- Safe Body Color
- Red
- Paint Type
- Basecoat/Clearcoat
- Stripes
- No
- Front Suspension Type
- Mustang II
- Rear Suspension Type
- Leaf Spring
- Axle Specification
- Ford 9" 3.00
- Front Wheel Specification
- n/a
- Rear Wheel Specification
- n/a
- Front Tire Specification
- n/a
- Rear Tire Specification
- n/a
- Front Brakes Specification
- Disc
- Rear Brakes Specification
- Disc
- Spare
- n/a
- Exhaust Type
- Dual Exhaust
- Muffler Type
- Turbo Muffler
- Restoration Status
- Restored
- Mileage Since Restoration
- n/a
- Awards Summary
- n/a
- Historical Documents Summary
- Radio manual - No other documentation
Contact Us Regarding this Vehicle
Call Us
- 704.445.9105
- 704.596.5980


text: Horny stud enjoys getting his hard pulsating ramrod pleased by a hot milf. He groans in pleasure as the cute babe works her sexual magic on his pole cock sucking it perfectly. She then guides his long fat cock deep her pussy for some mindblowing fuck in her sexy pantyhose.


text:
Sign In
Shop Ink
Search Millions of Items...
Sign In
Shop Ink
Pickup today,
Out of stock online
Available online only
Out of stock online
Available in-store only
Free Shipping
Exam table Papers protect exam tables from dirt and moisture while offering comfort and protection for patients.
Exam table Papers are strong, absorbent. All rolls are mechanically metered for exact length, and individually poly bagged for cleanliness during shipment and storage.
The product was not found. Please verify the sku and try again.


text:
Anza CA Real Estate & Homes for Sale
1 Properties Found
The median home value in Anza, CA is $230,000.
This is
lower than
the county median home value of $321,500.
The national median home value is $185,800.
The average price of homes sold in Anza, CA is $230,000.
Approximately 38.68% of Anza homes are owned,
compared to 28.82% rented, while
32.51% are vacant.
Anza real estate listings include condos, townhomes, and single family homes for sale.
Commercial properties are also available.
If you see a property you're interested in, contact a Anza real estate agent to arrange a tour today!
Sort Results:
1–1 of 1 properties displayed
Refine Property Search
Page 1 of 1 Prev | Next
61489 Burnt Valley Road Anza, CA 92539
Courtesy: Idyllwild Realty Shane Stewart
View additional info
Magnificent property close to all: 2 hours from Los Angeles, 1.5 hours from San Diego, 40 minutes to Coachella Valley. Altitude of 4500' above sea level takes you right out of the desert heat. Six separate parcels ranging from 10 acres to 171 acres are being sold as a single property totaling 392.71 acres M/L. Professional grade horse facilities with indoor arena, foaling shed, stallion barn, twenty paddocks, eight turn-out fields with shelters, cross fenced with heavy pipe and triangle wire fencing. Three separate homes, two barns, nine garage spaces, storage building, 100 year old stone building. Ten wells are in place with seven active. SEVERAL HIGH OUTPUT WELLS. Enclosed round pen and exterior round pen. Ample room for an airstrip. Backs up to National Forest land on two sides. This truly is a one of kind property in a great location. Please visit website burntvalleyranch.c Additional 200 acres available for $1,000,000.
Refine Property Search
Page 1 of 1 Prev | Next
1–1 of 1 properties displayed
92539 Real Estate Listings Provided By:
Real Living Prime Properties
How may I help you?
Get property information, schedule a showing or find an agent
Anza & Nearby CitiesAnza Real Estate Mountain Center Homes for Sale Aguanga Homes for Sale Idyllwild Homes for Sale Pinyon Pines Homes for Sale Warner Springs Homes for Sale Palomar Mountain Homes for Sale Sage Homes for Sale Cathedral City Homes for Sale Hemet Homes for Sale Rancho Mirage Homes for Sale
Anza ZIPs92539 Homes for Sale


text:
Manuel De Falla
- Classical pianist Lang Lang performs Friday at Van Wezelbradenton.com
- Concert: Britten Sinfonia at Milton Court, EC2The Times
- Extraordinary group of violinists performs with an amazing onenessstandardspeaker.comFour Seasons , Romania , Spain , Navarre , Hazleton
- WThe Clark's resident artists bring energy to historic pieceswilliamsrecord.com
- Chamber Music Month comes to Edgartown next weekendmvtimes.comFrance , Spain , Chile , West Coast , Tisbury
- Cthe Sketchchicagomaroon.comIndonesia , South Africa , East Coast , Como
- CReview / CIMF Concert 15, 'El Camino'citynews.com.auTurkey , Dursunbey , Rautavaara , Pyrenees , Australia
- Michelle DeYoung's big voice shakes the rafters in Terrace TheaterWashington PostSpain , Germany , Kennedy Center , Washington
- Pianist Donald Alfano performs in Westonthewestonforum.comLyons Plain , Fairfield , Spain , Weston
- Mendelssohn concerto offers endless exploration for violinist Stefan JackiwThe Salt Lake Tribune
- The Midcoast Symphony Orchestra Concert Series II "Austro-Spanish Express"bangordailynews.com
- John Frayne: Slow start, strong finish for Leonard, Isbin concertnews-gazette.com
- Ray Chen Comes to Santa Barbaraindependent.com
- SNew West Symphony 2015/16 Season Kicks Off Thursday In Santa Monicasmmirror.com
- ICO celebrates end of 30th seasonnuvo.net
- FREE Piano-Cello Duo Concert – Nancy Colter and Aija Kante-Cahnbangordailynews.com
- Meet Your Musiciansdanapointtimes.com
Frequent names
Newstral's extraction of names of people and organisations from the world's news is completely automated. If you do not want your name to appear here, please contact us. We will be happy to look at your request.


text:
While one woman can reach out and comfort her son, another mother will never see her youngest child again.
It is this stark contrast that devastates Warwick Anderson, the brother of murdered police officer Bryson Anderson.
Mr Anderson stood in the NSW Supreme Court and spoke directly to Fiona and Mitchell Barbieri, the mother and son who killed his youngest brother, a decorated detective inspector.
"I've been forced to sit in court watching one of my brother's killers attempt to comfort her son. My parents are unable to reach out or comfort their son," he said on Monday, looking directly at the Barbieris.
Fiona Barbieri sat impassive in the dock with her arms crossed, while her son hung his head, red-faced and sobbing.
"You should save the tears you have shed from the dock. You will not be forgiven," Mr Anderson said.
"Your spineless ambush of my brother stole him from his wife and children."
The Barbieris are facing a sentencing hearing over the killing of Inspector Anderson, who was stabbed to death while he tried to calm a neighbourhood dispute in December 2012.
Mitchell Barbieri, 21, has pleaded guilty to murder, while Fiona Barbieri, 47, has pleaded guilty to manslaughter on the basis of substantial impairment.
One by one, members of the Anderson family told the court of how their lives were shattered on that day.
Damian Anderson said he and his younger brother were only 20 months apart and grew up sharing friends, hobbies and a love of riding motorcycles.
"Now, instead of meeting Bryson on Sunday morning for a ride, I get on my bike alone. I ride to the cemetery where Bryson has been placed alone. I stand at Bryson's grave alone."
He said his lasting memory of his brother was seeing his body in the morgue, an image that continues to haunt him.
"That was the last time my family was all together, in the morgue, around the body of my murdered brother."
The court has previously heard that Mitchell and Fiona Barbieri had engaged in a course of paranoid, delusional behaviour before, during and after the siege, which began when they clashed with their neighbour in the outer Sydney, semi-rural suburb of Oakville.
Mitchell Barbieri confronted Inspector Anderson, picked up a large kitchen knife and stabbed him twice as he stood next to the back door.
Barbieri will not face the mandatory life sentence that applies for the murder of a police officer because of mental health issues.
The court heard that Fiona Barbieri was suffering from paranoid schizophrenia at the time and Mitchell Barbieri had experienced "a transferred delusional disorder" from his mother, who was the dominant member of their relationship.
The hearing continues.


text:
Manage Reservations
Need to make changes to your reservation? You've come to the right place!
Already an IHG® Rewards Club Member? Sign in to view reservations.
To find availability and pricing information for your meeting or event, please request a meeting quote or book your event online.
Assorted pastries, fresh fruit, assorted cold cereals, yogurt, coffee and tea.
Assortment of pastries, breads with preserves, fresh fruit, yogurt, scrambled eggs, choice of bacon or sausage, assorted cold cereals, coffee and tea.


text:
by Sanuk
Order now to get it by: Monday August 07 - Wednesday August 09
This product ships with limited tracking information, and may take longer than usual to be delivered.
Condition: New
Product ID: 317243
Delivery Information |Returns & Exchanges |Payment Methods
As its name suggests, this comfy thong sandal from Sanuk is perfect for kicking back and enjoying your beverage of
choice. Comfort doesn't get better than the Beer Cozy, constructed with a flexible synthetic upper, soft jersey lining
and "no-rub" toe post. Made from a real yoga mat, the textured insole is extra-thick and cushy and conforms to the shape
of your foot for a custom-fit feel every time.


text:
Each month, Rated People connects over 50,000 homeowners with quality tradesmen - simply enter your job details in the form above to get started.
We'll match your job to the relevant tradesmen in your area - those interested will pay to see your contact details and call you to quote.
As each tradesman expresses interest in quoting on your job, we'll send you their profile and ratings to help you choose the right one for you.
After the work is complete, return to the site and rate your tradesman based on their quality of work, reliability and value for money.
Aerial / Network Specialist
Added 03/12/2013
Install an aerial. We are currently with Virgin Media, ie cable, so haven't needed an aerial....
Aerial / Network Specialist
Added 10/11/2013
My TV keeps pixelating and shows a sign saying no signal. I have free sat dish on the roof...
Aerial / Network Specialist
Added 24/06/2012
We recently upgraded to virgin 60 mbs wireless. We have worse wireless signal now the before....
Aerial / Network Specialist
Added 24/04/2012
After digital trasition, we don't get 80% of the channels, even after retuning and manual search....
Aerial / Network Specialist
Added 22/08/2011
2-bedroom terraced house with back yard. Existing burglar alarm system is not working. Don't...
Aerial / Network Specialist
Added 10/07/2011
analogue TV aerial could be faulty, no signal to TV only via DVD player
Managing your job is easier with the Rated People Homes App, download it today.


text:
Wow, here's a fantastic deal with that new Combos coupon. Most Publix stores have the 6-6.3 oz bags priced at only $2. We have a $2/2 Publix store coupon in the Grocery Advantage Flyer. Combine it with the new coupon I wrote about earlier to pay just $0.50 per bag. Stock up!
At Publix through 1/6:
BUY TWO COMBOS BAKED SNACKS 6-6.3 OZ, reg. $2
Use one $2/2 Combos Baked Snacks 6-6.3 oz Publix store coupon, Grocery Advantage Flyer (exp 1/6)
and use one $1/2 Combos Baked Snacks printable manufacturer's coupon (preclipped)
NET PRICE FOR ALL: $1 (or 50 cents each!)
Never miss another hot coupon, deal or freebie again! "Like" Couponaholic .NET on Facebook, Follow us on Pinterest, Follow us on Twitter, Follow us on Instagram or Subscribe to our Daily Email Newsletter!


text:
Lil' Devil
A devil design is a quick and easy face paint that can work for girls and boys alike.
For this design we used the Graftobian Pro Paint: Crimson Red, Buttercup Yellow, Swan White and Raven Black
Step 1. Dampen hydra sponge, load with red paint and apply entire face.
Step 2. Use medium flat brush to make the black outline of the horns, use the edge of the brush to curve the horns.
Step 3. Continue with the black paint and round brush to add eyebrows and line under eyes that continues just past the edge of the eye.
Step 4. Use the flat brush and yellow to fill in the horns.
Step 5. Add the white highlight line at the side of the horns with round brush.
Step 6. Paint black detail lines at the bottom of the horn with the round brush.
Step 7. Finally draw the mustache and soul patch with black paint and flat brush.
* You can leave off the mustache and soul patch for the girls if you wish.
To give a little style to our devil we added a cool hat. Have fun painting!
By Russ Kennedy on
Share this Article
0 comment


text: Shake, Rattle, and Roll! This flexible ball is sure to fascinate baby with its fun rattling beads! The finger holes make this ball easy for baby to grasp and to play with, especially when they are still learning how to pick things up. The material is soft and flexible, perfect for little ones, as well as older kids.


text:
Super Snow Lotus
Product Details
Genetics: Mass Super Skunk x Snow Lotus
Flowering time: 9 - 10 weeks
Height: Medium
Characteristics: Big Fat Sativa Skunk
Super Snow Lotus is a big yielding classic American sativa skunk hybrid. Taking the infamous old school Massachusetts super skunk clone and fortifying it with the Snow Lotus male creates one badass THC totem pole maker.
Floral musky citrus funk of the highest order indoors and out she shines like the stars and gets you elevated to new heights.


text:
Aleph Number:
Collection is open for research.
Researchers must register and agree to copyright and privacy laws before using this collection.
All or portions of this collection may be housed off-site in Duke University's Library Service Center. The library may require up to 48 hours to retrieve these materials for research use.
Please contact Research Services staff before visiting the David M. Rubenstein Rare Book & Manuscript Library to use this collection.
The copyright interests in this collection have not been transferred to Duke University. For more information, consult the copyright section of the Regulations and Procedures of the David M. Rubenstein Rare Book & Manuscript Library.
[Identification of item], Chester DeWitt Pugsley Papers, David M. Rubenstein Rare Book & Manuscript Library, Duke University
The Chester DeWitt Pugsley Papers were received by the David M. Rubenstein Rare Book & Manuscript Library as a transfer from the Duke Law Library in 1959.
Processed by Rubenstein Library staff
Encoded by Ted Holt and Paula Jeannet Mangiafico, August 2008
Accession 59-43 is described in this finding aid.
Correspondence, legal papers, press releases, printed material and other miscellaneous papers of Chester DeWitt Pugsley spanning the years 1873-1938, with the majority of the material dating from 1925-1938. Extensive personal, business, political, and philanthropic correspondence (chiefly 1925-1938), relates to Pugsley's political work for the Democratic Party; his philanthropic activities; his efforts to promote better understanding and knowledge of international affairs; his involvement in U.S. and New York politics (1910-1938); and U.S. economic conditions during the 1920s and 1930s, including information on banking. Correspondents include Roscoe Pound and William Howard Taft. Legal papers consist chiefly of typed copies of wills, affidavits, deeds, and trusts relating to Pugsley, the Westchester County National Bank, and various institutional recipients of Pugsley's philanthropy. There are numerous press releases and clippings from news bureaus concerning Pugsley's views on foreign and domestic affairs, his benefactions, institutes and conferences held, and the activities of the American Scenic and Historical Preservation Society. Printed material includes programs of college and university commencements and institutes; notices of stockholders'meetings; advertising circulars; notices of Harvard University class reunions; and papers dealing with national and New York politics in 1916. There are also resolutions relating to world organizations, the Westchester County National Bank, the Church Conference on Social Work, and the College of William and Mary, Williamsburg, Virginia; and scattered minutes of the Peekskill Field Committee, Rollins College, and the League to Enforce Peace. Miscellaneous papers include speeches on domestic and foreign tdpics given by Pugsley.
Arranged in the following series: Correspondence, Legal Papers, Miscellany, and Printed Material. For a more complete description see Davis and Miller,


text:
Zu Mission S/Pdif unbalanced digital audio interconnect cables are engineered and built to provide pristine high bandwidth digital signal transmission. The fact that they have also been refined and developed to help digital to analog conversion sound smoother, more relaxed and dynamic is the Mission S/Pdif trick.
The Mk.II-A version is the same as the much more expensive Mk.II-B featuring the exact same cable. The part were we save the cash on is only the connecter, but even so the SwtichCraft hollow-pin RCA sound sweet especially as we use a high pressure crimp and use a nominal amount of solder for the connection. And in keeping with the cool vintage look of this classic RCA plug we custom color code the right channel with epoxy based filler in the cross-hatch—way better looking than a band of red shrink tube.
Please call for details.


text:
Art Plunder: The Fate of Works of Art in War and Unrest
John Day Company | 1961 | ISBN: N/A | English | 288 pages | PDF | 37 MB
Since earliest times, works of art have been looted, bartered, and requisitioned, as well as sold, sometimes in this way being carried halfway around the world. This book tells the remarkable story of the wanderings of many famous statues, paintings, and objects of art from Roman times until the present day. It is also an unusual and absorbing study of the changing attitudes toward the removal of art treasures in times of trouble.
Download link:
Buy Premium From My Links To Support Me & Download with MaX SPeeD!


text:
Custom work and creativity in your branding is what makes your company look it's best. Let's be honest– you can spot the extra time and attention to detail from a mile away. Don't cheat yourself by cutting costs for a dry and bland design that you made yourself or used a template to make. Let our expert designers do their job-make awesome designs! Put us to work and we'll impress you with a final product that you are eager to attach your name to. We promise, with our design work, you'll set yourself apart and get recognized!
Whether you need to start from the beginning with the creation of a logo, or continue your branding with print products, a website or vehicle wraps- We Do It All! Sure, your cousin has the latest version of Photoshop, but there's so much more to graphic design than just owning the software. Don't be satisfied with a good design when we can help get you a great design and develop great branding. In a competitive market, our goal is for our customers to stand out with professionally and creatively designed promotional products.


text:
Your answer is one click away!
In my project I have to deal with different type of users e.g. costumers and employers. Each type of user have its own fields and permissions: costumer can buy things whereas employer can not.
I have read the Django docs and it looks like there are two options:
AbstractUser class and adding all the fields of costumers and employers. Then use the permission system to grant/revoke permission or create a group for each type of user. The downside here is that there unused fields.
Adopt the proxy model:
This case seems more reasonable but I don't know how to deal with the permissions. Consider I'd like to use
from django.contrib.auth.models import User
from django.db import models
class Costumer(models.Model):
user = models.OneToOneField(User, on_delete=models.CASCADE)
class Meta:
db_table = 'costumers'
permissions = (
("access_this", "User may access this"),
ordering = []
class Employee(models.Model):
user = models.OneToOneField(User, on_delete=models.CASCADE)
class Meta:
db_table = 'employers'
permissions = (
("access_that", "User may access that"),
ordering = []
@permission_required instead of checking the type (if the user has a specific field) because it seems more legit for Django system.
So in the end, what is the best way to approach such scenario?
The first solution is much better.
The downside here is that there unused fields.
I disagree with this, you don't have to store all the fields within the
User model. Also, if you're talking about 5 fields for example, that doesn't really matter.
You can extend
AbtractUser and also use some composition; you don't have to put all the fields there:
class User(AbstractUser):
email = ...
# for the employer, let's say you want to save the company details
company = models.ForeignKey('myapp.Company', null=True, blank=True)
# for the customer
customer_details = models.ForeignKey('...')
This way you could record a
user_type if you want or deduce the type from the foreign key (if there is a company, it's an employer).
To help you more with the model, I need to know what differentiate an employer from a customer in your application. Note that with that solution, an instance of
User could be both.
Concerning the permissions, I feel like it's a separate problem; I'd recommend you to sort it last. If the design you pick is close to the reality and you get the features working; adding custom permissions will be really easy.


text:
FIFTY new jobs are to be created as a York online retail business acquires new premises in a bid to drive its revenue beyond £10 million.
Monster Group UK, currently based at Stockton-on-the-Forest, is to move into its new 19,000sq ft development in early March.
The new premises at Sheriff Hutton are five times larger than Monster's existing site, and have been bought as the business plans to increase turnover from £2.5 million to £12.5 million in the next five years.
The group also aims to increase its workforce from 16 to about 65 over the same period.
Monster Group was founded by chemist Rana Harvey after she began sourcing mannequins to display clothes from Europe and the Far East, having struggled to find what she wanted in the UK market.
Her venture led to the launch of Monster Retail in 2007, with the business now also selling shop fixtures and fittings.
Following further developments over the last seven years, Monster Group UK now encompasses five divisions: Monster Retail; Monster Racking, which supplies warehouse, garage and van shelving; Monster Doodle, which provides graphic equipment to the signage industry under its own PixMax brand, and Monster Chef, which specialises in commercial and domestic kitchen equipment, including its own kuKoo brand.
Monster's acquisition of new premises was supported by HSBC's North Yorkshire Commercial Centre through a six-figure finance package, in a deal led by international commercial manager Tom Sikora.
Ms Harvey said: "We have an exciting growth plan for the business and the increased capacity our new site offers is key to that.
"I like to spot opportunities for new markets and I envisage Monster launching one or two different brands a year, focusing on new sectors.
"We have concentrated on establishing a robust infrastructure for the business, which means it is now easily scalable."
In addition to the domestic market, Monster Group UK exports particularly to mainland Europe through its Monster Racking brand, and is targetting growth in the US .
Andy Follington, HSBC area commercial director for North Yorkshire, said: "Rana is a young entrepreneur who has the drive and tenacity to succeed.
"She is always looking at ways to develop and progress her business and we are pleased to have supported this move, which marks an exciting step in the development of Monster Group UK."


text: If you do not need the income from IRA or retirement plan assets, it might be best to convert to a Roth IRA now. You pay income tax on the converted amount upfront, but your heirs inherit a tax-free asset. They still are required to take minimum distributions, but when they withdraw money from the account they do not owe any income tax. You can roll over small amounts of your IRA each year rather than convert to a Roth all at once. Heirs other than your spouse can't change an inherited IRA to a Roth IRA after your death. On the other hand, they can switch an inherited qualified plan such as a 401(k) to a Roth IRA. This may weigh upon your decision to roll over your retirement plan to an IRA. If you name a charity as a beneficiary of your IRA or qualified plan, list the percentage of the amount you wish to leave the charity rather than a dollar amount. Failure to list a percentage amount leads to a no designated beneficiary status for the account. This means your remaining heirs are forced to withdraw funds from the IRA within five years rather than stretching distributions over their lives. The end result is that your heirs pay more in tax immediately. Be careful if you're in a second marriage with children from both spouses. It's very easy to disinherit your children unintentionally by naming the second spouse as sole beneficiary of your IRA or retirement plan. In any situation involving children of multiple spouses, you need to do extra planning to ensure your estate plan is in order. A good rule of thumb is to review all beneficiary forms once a year. Often we go through major life changes such as births, marriage, divorce or deaths without remembering to update the estate plan. There are countless horror stories of accidentally leaving an account to an ex-wife. IRAs and retirement plans present great opportunities to leave tax-efficient assets to your heirs. But the beneficiary designation decision is often not that simple. It helps to consult a trusted financial adviser for help with estate planning and beneficiary designations. -- By Blair Hodgson DuQuesnay, founder and CEO of Ignite Investments and Planning a registered investment advisor domiciled in the state of Louisiana. She posts financial insights regularly on her blog. AdviceIQ is a network of financial advisors that writes insightful articles for the public about investing and wealth management. All articles are edited by AdviceIQ's editor in chief, Larry Light. AdviceIQ certifies that all its advisors have no regulatory infractions.


text:
Each month, Rated People connects over 50,000 homeowners with quality tradesmen - simply enter your job details in the form above to get started.
We'll match your job to the relevant tradesmen in your area - those interested will pay to see your contact details and call you to quote.
As each tradesman expresses interest in quoting on your job, we'll send you their profile and ratings to help you choose the right one for you.
After the work is complete, return to the site and rate your tradesman based on their quality of work, reliability and value for money.
Carpenter / Joiner
Added 06/10/2016
bottom of doors need planing and doors need refitting following fitting of ceramic floor t...
Carpenter / Joiner
Added 11/01/2016
Joiner/Builder with imagination required to design cabinet under sink to box up pipework in...
Carpenter / Joiner
Added 11/06/2015
We require 11 softwood window sills replacing with larger projecting ones due to planned rendering...
Carpenter / Joiner
Added 31/08/2014
Wardrobe made from mdf to fit in against sloping roof with doors
Carpenter / Joiner
Added 11/06/2014
Require carpet to be rolled back for custom wardrobes to be fitted one day and roll and cut...
Carpenter / Joiner
Added 11/01/2013
Laying a wooden floor, adding skirting, making and fitting some shelves, adding a sill to the...
Excellent job and reasonable price, turned up on time and my neighbours now want to use the same company. Definitely use again
Very good you would never know they were there just got on with there worrk never stopped very clean and polite would use them again
Reliable, friendly, easy to contact and got on the with the job quickly and professionally. I would def use them again.
John did a great job - I thoroughly recommend him.
Igor was polite, professional and had experience that meant he was able to give some good advice and tips with the work. He was very reliable and efficient. Would recommend and use again.
Very very pleased with this firm, Karen & Steve the bosses are nice people to deal with and agreed a good price .Dave the fitter was a very nice bloke and a good tradesman + him and kevin were very helpful and willing to help . A fantastic job all round. THANKS AGAIN
Chris was able to make exactly what we were hoping for. In a loft conversion, with awkward spaces, he was able to create a beautiful wardrobe and cupboard space, that suits the room and looks beautiful.
Managing your job is easier with the Rated People Homes App, download it today.


text:
CHI Franciscan Health has exciting and rewarding careers with competitive salaries and benefits.
The reasons to work at MultiCare are as unique as the people who do. Join us for the professional challenges you seek. In the settings you prefer. With schedules that fit your life.
Thousands of new jobs posted every day. Let us bring them to you. Sign up for alerts.