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For automobile insurance in Florida, drivers are subject to Florida Statute 627.736, which is more commonly known as the "PIP Statute." This statute requires drivers in the state to carry Personal Injury (PIP) Coverage which entitles those injured in a car accident to coverage of medical treatments and lost wage, regardless of who caused the accident.
It's a unique law that is unlike any other state, and it also means that many individuals – from drivers to chiropractors to lawyers and more – are still trying to fully understand not only how the law works, but how they can follow it successfully and in the best interests of all parties involved.
TeleEMC offers a telemedicine service, here in Florida, that partners with chiropractors and lawyers to improve the PIP approval process. For chiropractors, we provide EMC determinations remotely, with same day service that can be completed from your office. We can also schedule EMC appointments on demand, while the patient is at your office, depending on time and availability.
We also have a network of PIP attorneys to help handle legal issues for our chiropractor partners, and for attorneys that we are not partnering with, we can provide you with rejected approvals to help you move forward with your legal services.
You can learn more about TeleEMC and how we help chiropractors and personal injury lawyers by calling us at:
About the PIP Statute
We're different here in Florida. From our weather to our people, Florida is unlike any other state. So it's not surprising that we also have laws that may differ from those in other areas, and often – even for those that pay close attention to the politics of auto insurance – applying these statutes can still have its complexities.
Before we start to explore the Personal Injury Protection Statute from a professional perspective, it's best to start with the basics: what it is, and what it means for the average, everyday driver.
How the Florida PIP Statute Affects Drivers
Florida Statute 627.736 was passed in 2012, and became law in 2013. It is a law that requires drivers to carry what's known as "Personal Injury Protection" insurance, that provides both medical coverage and "loss of work" coverage, no matter who is at fault for the accident.
Coverage under the PIP Statute entitles those injured in a car accident to a maximum of $10,000, or 80% of the total cost of medical costs, whichever is less. This insurance covers the driver, passengers in the car at the time of the accident, and relatives living in the insured driver's household. It also covers those struck by a motor vehicle who then require medical care.
The PIP statute was passed with the intent to provide those injured in an accident with immediate medical coverage. Prior to this statute, claims could be delayed while insurance companies and the courts established who was at fault, and therefore liable, for the accident.
What Does PIP Insurance Cover in Florida?
All drivers in Florida must carry PIP insurance as part of their policy. PIP insurance provides coverage for medical expenses and lost work income that results from an automobile accident, no matter who was at fault.
Under the driver's policy, the insurance coverage applies to the driver, any passengers in the car during the accident, and any relatives living with the driver.
Emergency Medical Condition | Medical Benefits and Coverage
PIP insurance covers 80% of medical expenses up to $10,000 when a doctor diagnoses an emergency medical condition caused by an accident. When a patient seeks medical attention but is not diagnosed with an emergency medical condition, this coverage provides up to $2,500 in reimbursements.
If an auto accident injury causes a person to be unable to earn a living, PIP insurance provides disability benefits. These cover 60% of:
- Gross income lost from not working.
- Earning capacity when an individual cannot earn a living in the future.
- Services the injured person would have performed for their household if they were not injured but must now be performed by a hired person or business, such as housework.
In addition to medical benefits and lost income coverage due to a disability, the insurance provider can pay out death benefits of up to $5,000 per individual deceased as a result of the accident.
Receiving Medical Care Within 14 Days
An important part of the statute, an one of the few that isn't in favor of the patient, is the PIP 14 day rule. This rule requires that those injured in an auto accident seek necessary medical treatment within 14 days of the accident in order to qualify for coverage. Waiting to seek treatment for any reason, even if it is because the pain does not occur right away or you're unable to get any help, means that you cannot receive any PIP coverage.
Seeking medical coverage means receiving services from a licensed medical provider for a condition that resulted from the accident. These medical providers include:
- Physician
- Dentist
- Chiropractor
- Registered Nurse
- Emergency Medical Services (Paramedics and Ambulatory Transportation)
Additionally, services received in a hospital or emergency room qualify as care so long as they are received within 14 days and related to the accident.
The PIP statute also covers ongoing medical care that occurs after the initial 14 days, such as continuing treatments, surgeries, and physical rehabilitation, as long as they are referred by one of the above medical providers.
Of the covered services, massage therapy, acupuncture, and unknown experimental alternative treatments are not considered medical care under the statute. This is the case regardless of who is administering the massage or acupuncture – even if administered by a chiropractor.
The 14 day rule is perhaps the most important rule that patients, attorneys, and medical teams need to keep in mind when determining whether or not a patient will qualify for PIP funding.
The second most important rule, however, is the EMC designation.
The Necessity of the Emergency Medical Condition Designation
It's here where TeleEMC – and, potentially, you – starts to become more important. We'll have more on our services later in this guide, but this is where the law becomes more difficult for all parties involved.
In order to qualify for the entire $10,000 of coverage, the injured person must receive a diagnosis of an emergency medical condition as a result of the car accident.
These diagnoses can be performed by a qualified doctor, dentist, or nurse practitioner and includes diagnosing that the patient has symptoms, including pain, that reasonably result from or may cause the following if not treated immediately:
- Risk to the health of the patient.
- Risk to the bodily functions of the patient.
- Risks to the bodily organs of the patient.
The emergency medical condition does not need to be diagnosed within the first 14 days following the accident as long as medical treatment was sought during that time. Treatment is also not limited to that time frame. If the person has received any treatment within the first 14 days, the diagnosis of an Emergency Medical Condition would still be valid even if it occurred later in treatment.
A diagnosis of such a condition at any time makes the patient eligible for up to $10,000, or 80%, of coverage for medical expenses, whichever is less.
When medical care is sought within 14 days, but there is no diagnosis of an emergency medical condition, the injured person can only receive up to $2,500 in benefits.
Time is clearly of the essence for the patient, who is in pain, but may be hesitant or afraid to get treatment not knowing if their care will be covered by the law.
TeleEMC provides 100% virtual EMC designations by experienced local doctors that are licensed to provide these recommendations. We partner with chiropractors across the entire state of Florida to:
- Make sure that patients get their EMC determination fast.
- Make it possible to obtain an EMC determination from the chiropractor's office.
- Make sure that patients and doctors get what they need to move forward.
Virtual appointments are as legal and valid as any other type of medical visit, and our doctors are always accurate in their determinations, basing it off the latest diagnostic techniques.
Yet there are still insurance agencies that will refuse a valid EMC determination. We want to make this easier on the patient too, which is why we partner with personal injury attorneys to help them recover what belongs to them. We'll have more on this later in the guide, but wanted to prime you for a better understanding of how we can benefit all parties involved, including you.
PIP Claims in Florida – How the Claims Work
One of the reasons that PIP insurance is so valuable for drivers and chiropractors is that it opens the door for anyone to receive some form of treatment. What makes accidents so challenging is that even the most minor of accidents – one that barely even counts as a fender bender – can trigger conditions that lead to significant pain.
So getting the claims correct is extremely important for the establishment of treatment. Anyone in a car accident of any kind is recommended to immediately visit a medical specialist to first make sure that they establish treatment within those first 14 days.
Chiropractors are allowed to be that first treatment, so it is often recommended that chiros consider marketing themselves to those in accidents, and let them know to contact them immediately to be the first line of care for some non-life threatening accidents.
The $2,500 or $10,000 covered by the PIP apply to any and all payments, including:
- All related medical services, surgery, and medications.
- All related diagnostic services.
- All related hospital stays or ambulance rides.
- 60% of lost wages.
- Most related rehabilitation and recovery costs, excluding acupuncture and massage therapy.
These costs can add up quickly – which is one of many reasons an emergency determination is so important, as without it, the patient may struggle to afford the services with only $2,500 available. Patients are also advised to consider consulting with a personal injury attorney to handle these claims (more on that later), though they are not required by law.
Assuming the patient has received medical care within 14 days, and assuming the patient has both a car and auto insurance, the patient would then file a claim with their own insurance provider. Once the claim has been made, the provider has 30 days to make the PIP payout.
NOTE: TeleEMC bills the PIP ourselves. So patients are not expected to know how to contact the insurance provider or make the necessary applications in order to receive their full amount. Our in-house team takes care of this for the patient, and for the chiropractor, so that the claim can be made correctly and with ease.
Here are some example situations that may occur that affect the patient and the treatment provider:
No Treatment After 14 Days
One situation that patients may find themselves in is not seeking out treatment within 14 days of the initial accident. In these cases, the patient does not qualify for PIP coverage.
However, what qualifies as an "initial treatment" is purposefully fairly broad. Not only is a visit to a doctor in almost any setting (private practice, hospital, etc.) considered an initial treatment, but even an emergency transport would qualify as establishing some type of care within the 14 day period.
Treatment Without First Getting an EMC
You do not need to obtain the EMC right away in order to make a claim for the full $10,000, but the longer a patient waits, the more challenges there can be. First, the treatment that a patient is receiving may not be covered without the EMC, putting both the patient and the provider at risk for financial challenges. Second, a patient receiving an effective treatment may start to recover before the EMC determination has been made, at which point it may become more difficult to make a proper, legally valid EMC determination.
Patient Receives EMC, But Claim is Denied
If the patient has received treatment within 14 days, and they have received an EMC, insurance companies can and have historically tried to fight the claim in order to avoid making the $10,000 payoff. The law is on the patient's side, however, although in some cases the patient may need to get in touch with a personal injury attorney (which TeleEMC partners with). So, in the event that a claim was denied, the attorney will be able to come in with all of our information and supporting documents and help the patient obtain the $10,000 fee.
Traditional EMC Process for Chiropractors
Chiropractors are allowed to be the first (and only) treatment that patients receive, if that is all that is needed for their care. Patients can contact a chiropractor immediately after an accident and have that specialist see their injury and determine the best course of treatment.
But chiropractors are at one disadvantage compared to other medical specialists: Most are not allowed to make EMC Determinations.
That's a challenge that has caused problems for a lot of chiropractors. It means that in order for patients to receive the full PIP payout amount, their chiropractor has to make a referral to a medical specialist that can provide the necessary diagnostics. That has often created issues:
- Scheduling – Patients are generally in a hurry. They're in pain, and they need to have a better understanding of whether or not their care will be covered by the PIP. If the specialist is unavailable for a while, or there are scheduling conflicts, the patient may have to wait before they get the diagnosis, increasing their stress and discomfort.
- New and "Bad" Experience – Sending someone out to a specialist means that they're going to have a new, separate experience from being in your office – one that is out of your control, but be attributed to their workplace, possibly decreasing their satisfaction with your service. In an era of COVID-19, it also increases the amount of in-person contact they have with others.
- Bias in the Specialist's Recommendation – There's a saying in the medical community. Whatever type of doctor you see, that's what you're diagnosed with. No matter what the problem is, if you see a dermatologist you have a skin condition, a neurologist and you have a brain condition, and so on, even if you're seeing them for the same ailment. Similarly, if you send a patient out to see someone for an EMC determination, there's a risk that the person they see will recommend a different service than the one you're providing.
These are only a few of the different challenges that both patients and chiros may face when they're forced to send patients out to get their EMC determinations.
Of course, that's the traditional way. The new way is with TeleEMC, where we have experienced physicians that provide EMC determinations online, and can take place within your office, often on the days that the patient is already scheduled to be there for your service. It's fast, convenient, becomes a part of your business, and is unbiased in treatment recommendations.
Still, the traditional process has been able to provide chiropractors with the approvals they need for patients to receive the full Florida PIP amount.
PIP for Lawyers – How Attorneys Can Benefit from PIP (and TeleEMC)
Attorneys play an important role in the PIP, even more so than personal injury attorneys in many other states. That is because there are many situations a patient may find themselves in where a legal advocate is important for them to get the care they need. Some of these situations include:
- Insurance Company Denies PIP Claim – Once a patient has received an emergency medical condition declaration from TeleEMC or elsewhere, insurance companies are expected to pay it. Some may deny the claim, or try to claim fraud, in order to prevent the payout. But in the vast majority of situations, the insurance company is required to make this payment, which means that a denied claim can be taken up by the personal injury attorney.
- Insurance Company Takes Too Long – According to the 627.736 Florida PIP statute, insurance companies are required by law to make the PIP payment within 30 days, even if they suspect (or claim to suspect) that the patient is committing fraud. An insurance company that is delaying payment is violating this law, and a personal injury attorney can be a helpful tool in addressing this on behalf of the patient by suing in favor of the PIP payout.
- Medical Costs > $10,000 – Florida is one of the few no-fault states that allows patients to file suit if the medical bills will be greater than $10,000. This is also only possible if the patient receives the EMC (and thus approval for the full amount of the PIP payout), and it requires a lawsuit which can be taken up by the Florida PIP personal injury attorney.
These are some of the scenarios where an attorney is necessary and valuable, and in many cases, you will find that those that are struggling with their injury or their PIP claim will be receptive to the idea of hiring an attorney, especially if the insurance company tries not to pay out for the PIP.
Attorneys that decide to take on PIP claims have to verify a few facts about the claimant before they can file suit against the insurance company:
Does the Patient or Someone in their Household Own a Car?
Those involved in an auto accident do not need to be driving. In fact, they do not need to be in a car at all. If you're hit by a car while you're on a bike, for example, your PIP insurance is expected to cover you.
But they – or someone in their family – does need to own a car. Protecting against fraudulent PIP insurance claims is important, and verifying that a car is owned by the patient (or a live-in relative, whose car they may have been driving) is step one.
Is the Car Insured?
PIP is a form of mandatory insurance, so if the car is insured in the state of Florida then it has PIP insurance. But it is important to check, as there are those driving uninsured cars who would not be able to take advantage of the PIP payout, even if they are not personally at fault for the accident.
Does the Driver of the Other Vehicle Have Insurance?
In the event that the patient has no insurance, and does not have anyone in their family that has insurance, it may still be possible to use the PIP of the other driver, especially if that driver is or is likely to be considered "at fault" for the accident.
But that's about it. Because anyone with car insurance in Florida has PIP coverage, and because that coverage is no-fault, mandatory with a PIP, and have a set payout rate, there are not many requirements that need to be met in order for someone to both qualify for the PIP and qualify for the full payout (with an EMC).
Personal injury law is tricky, especially after a car accident. Still, typically going after a PIP case is a little more straight forward when all the boxes are checked. The law is specifically designed to favor the injured, and so while insurance companies continue to try to skirt around the payout as best they can, attorneys that understand the PIP rules tend to find that they are at an advantage in pursuing a payout, making it easier to take home their contingency with less risk.
Further Understanding of the PIP Law
For those that are new to the PIP, or would like to gain a further understanding of the legalese found within the law, it is best to visit the Florida State Legislature page for the specific ordinance, Florida Statute 627.736. There, you can read the details of the law, along with all of the amendments and changes since the law has taken effect.
Find the details here.
For attorneys and chiropractors, we're also happy to answer any questions you have about EMCs and their examinations. You can contact our team at any time by visiting our contact us page.
How TeleEMC Can Help Chiropractors with PIP Claims
PIP claims are an important part of any Florida chiropractor's business. Both the $2,500 base and the $10,000 EMC claim provide a chance for chiropractors to give the care their patients need without the patient worried about whether or not they can afford it.
But knowing whether a patient is getting the full amount of the PIP is important, because it helps guide treatment, gives providers a chance to know their bills will be covered, and gives patients the piece of mind knowing that their financial needs will be met. The faster and more efficiently you can get that EMC determination, the better.
TeleEMC works almost exclusively with chiropractors. We run EMC diagnostic tests via video, with experienced physicians that are able to use a series of tests to determine if the patient has an emergency medical condition. We provide a free tablet to our chiropractors, who can then have the patient receive the EMC determination in house – right from your office, and even before or after an appointment if scheduled in advance.
The entire process takes 30 minutes with appointments available right away – sometimes same day. This provides many advantages for both patients and their chiro practitioners that need to figure out their PIP status, as it offers:
- Professional Convenience – By giving patients the opportunity to get their EMC determination from within the chiro's office, it helps the entire experience feel like it is coming from only one business – yours – and reduces the amount of running around or meeting new people that patients would have to do in order to get the determination they need.
- Fast and Ready – Similarly, this determination is critical for knowing how to proceed with treatments, and the sooner that you get it, the better it will be for you and the patient. Because we are often able to schedule appointments that very same day that someone goes to your office, while they're there, you have a response fast enough that you can make the appropriate decisions with regards to treatment. Once we have completed the exam, we are able to send the results within 24 hours, so patients can keep getting the care they need.
- Accuracy in Reporting – One of the more obscure rules of the PIP is that the EMC diagnostician must specifically use the phrase "Emergency Medical Condition" for the PIP to pay out the full $10,000. Some physicians are not as familiar with this rule, and may not explicitly say that the issue is an EMC, thus complicating collections.
- We Bill the PIP – Our ability to bill the PIP on your and your patient's behalf reduces the labor and opportunity for error on the part of the patient. It's also yet another step to save time and investment, seeing a better return when working with TeleEMC.
- Easy to Use Secure Online Portal – EMC determinations sometimes need additional documentation and information. Collaborating on this information is simple. Using eClinicalWorks, a HIPAA compliant cloud-based service, chiros can upload supporting documents like X-rays and charts directly to the system for each patient, thus making it even easier to provide the correct determination.
- All Hardware Included – The purpose of TeleEMC is to reduce the amount of labor that both patients and chiros have to go through in order to process patient claims and address their needs. For us, it's the details that help us show others our commitment to relieving this excess work, and one of the ways we do that is by sending you a tablet and all the hardware and software you need pre-installed, so that you can get started operating our system.
Every step of the way with TeleEMC is simple and intuitive, even when the EMC requirements and Florida PIP law may not be. It's why we have become the leading choice for so many chiros in Florida, and why there is so much reason to consider our service.
How TeleEMC Can Help Personal Injury Attorneys
TeleEMC is a service for chiropractors. But we also know how important attorneys are to making sure that each accident victim gets what they deserve. That's why we also create partnerships with some of the best personal injury attorneys in Florida – those that are looking to grow their practice and find new and simple sources of revenue.
And that's what it is when you partner with TeleEMC: simple. PIP insurance coverage has multiple safeguards for those that are injured in an accident, including the mandatory 30 day payout even if a claim is being investigated, and the requirement of a PIP payment if an EMC determination has been made.
Attorneys that are looking to build their caseload and revenue with simple, straightforward cases will find themselves a strong partner with TeleEMC. Whenever any of the patients that we've determined has an Emergency Medical Condition, but has their EMC determination denied, we supply you with all the paperwork, documentation, and resources you need to help these patients win their case:
- Login to eClinicalWorks (ECW) to get access to all patient data.
- All background information about the patient.
- Access to all patient documentation. These include progress notes, uploaded patient medical documents, medical summaries, appointment logs, consultation notes, diagnosed problems, forms, and more.
- In-house advocate you can contact for information related to the EMC determination by our doctors.
- Billing information to help with your case, including outstanding billing.
The attorneys we've partnered with in the past agree that it is a simple, effective way to earn revenue, with minimal paperwork and a flat fee, non-negotiable rate. You obtain your contingency fee of the $10,000 PIP settlement, all in a way that is backed consistently by the courts.
Though not applicable for every case, attorneys also find that with TeleEMC, they are able to connect with those of whom might have an additional case beyond the PIP payment, especially if the injury is more severe. By becoming a partner of TeleEMC, you gain the ability to increase your case load with minimal investment in marketing and lead outreach.
Contact TeleEMC for Information to Help Your Practice
Your business depends on making smart decisions that help encourage growth and make it easier to find and treat those that have been in vehicle accidents. Every decision you make – from your chiropractor marketing or your attorney ads that you purchase – is one that is expected to help you manage growth in your practice.
When we developed the idea for TeleEMC, we believed that the most important thing we could do was provide a service that would improve the success of your business, while also offering something that patients (and healthcare providers) genuinely need – access to an EMC that removes all the red tape, prevents speedbumps, and speeds up the entire diagnosis and treatment process.
TeleEMC is the only specialty telehealth medical service that is aimed explicitly and exclusively at providing services that assist both chiropractors and personal injury attorneys with their growth, and do so in a way that helps car accident patients as well.
For Chiropractors: Our service makes it possible for you to improve your services, increase the payout, and offer more to the patient in a way that makes them grateful for your care. We have partnered with hundreds of chiropractors across Florida, and our services can help your business grow and thrive in ways that will make you the top choice in your local area.
For Attorneys: We provide "easy" client work that can provide a healthy chunk of revenue, all for what should be – at least in most cases – minimal work compared to other legal services. We know how difficult it can be to obtain a steady flow of clients with decent profit potential, and we are happy to use our documentation and services to send individuals your way when their case deserves attention.
We have a state of the art system that is use by those across the state, and in an era of COVID-19, we are one of the safest ways to conduct business for both providers and patients. Learn more about TeleEMC by contacting us today at (866) 611-4EMC, or by watching our introductory video.
Florida PIP and EMC FAQs
Q: Do You Approve All Patients?
A: We take our role seriously, and give each patient a thorough evaluation in order to determine if they have an emergency medical condition. We'll let you know our determination within 24 hours, so that you can coordinate with the patient. If we determine the patient does not meet the criteria, we will let you know, and if they do, we will make sure all of the paperwork is in place for their insurance claim.
Q: How Much Does an EMC Evaluation from TeleEMC Cost?
A: We do not charge chiropractors for our services. We bill insurance companies just as we would for any other type of medical service.
Q: Do Insurance Companies Accept TeleMedicine Exams for PIP Payouts?
A: Yes. Insurance companies accept online appointments and have since 2006. Florida law (Rule: 64B8-9.0141 of the Florida Department of Health) also verifies that they are as accepted a form of medical examination, and would be supported in court.
Q: What Happens if the Insurance Company Suspects PIP Fraud?
A: Fraud with the PIP is difficult, if not impossible, with the TeleEMC medical exam, as we are extremely thorough. Patients also have many rights and support when it comes to insurance company payouts. Even if an insurance company suspects fraud, or claims to suspect fraud, they still have to make the payment within 30 days, and they have to complete their fraud case within 60 days from the date of the claim.
Q: I'm An Attorney. How Often Will You Send Me Cases?
A: It's too difficult to answer this question, as there are so many different factors involved. But if you'd like to get a basic idea how often we're referring cases, contact us, and we're happy to walk you through what our selection process is like. We handle thousands of cases a year, and you know how insurance companies can be.
Q: The Patient Thinks They Have an EMC Already. Do I Still Need Your Services?
A: There are situations where you may still need us to provide an EMC determination. That's because, depending on the medical care, most doctors are not looking to see if a patient qualifies for an EMC – they're just checking the patient's health. They may have found an emergency medical condition, but they may not have explicitly said that the patient has an EMC. It is strongly encouraged within the law that the patient be diagnosed with an EMC, and that the EMC be clearly labeled as such within the paperwork. Call us if you or the patient are not sure if they have already received an EMC.
Q: The Patient's Pain or Discomfort is Minor. Is it Worth Getting Them An EMC?
A: Almost always, yes. The cost for the visit is billed to the PIP anyway, and thus not paid out of pocket. And the entire purpose of EMC determinations is to see if there is reason to be concerned about patient health or recovery without treatment. Given the difference in both treatment and payout between $2,500 and $10,000, and because determining an EMC is important for the general care and health of the patient, it is almost always recommended that you schedule an EMC determination.
Q: How Long Do EMC Determinations Take?
A: When visiting a typical medical provider, the examinations depend on if the provider is looking at other issues outside of the EMC scope, and other extraneous variables such as the number of patients they have to see and other wait periods. At TeleEMC, our examinations take 20 to 30 minutes, with essentially no wait time from the scheduled appointment start time.
Q: Are the Doctors Reputable and With All Required Certifications?
A: Yes. Every doctor we use is highly regarded and an established name here in Florida. You and the patient can feel confident that your needs are being addressed and that your final determination will be accurate.
Q: Is There Any Way For Patients to Receive the PIP if They Didn't See a Doctor in 2 Weeks?
A: Unfortunately, no. The law is ironclad here, even in the event that the pain did not arise right away. It's why anyone in any form of accident is recommended to see a doctor immediately, even if they do not experience pain, to ensure there are no health issues and to establish a timeline for treatment.
Q: Is There Any Way to Get PIP Coverage if the Person Has No Car or Insurance?
A: It depends. Those that live with a relative that has PIP coverage may be eligible. In addition, it may be possible to utilize the PIP coverage of the at-fault driver, even though the PIP is a no-fault insurance. This is a situation where speaking to a personal injury attorney will be helpful to see if you both have a case and if the payout from the case is worth going for.
Q: When is the Best Time to Get the EMC?
A: EMCs can be completed at any time. There are situations where getting additional documentation and diagnostics may be valuable for establishing an EMC – for example, when a case is a bit more complex and an MRI is needed before an EMC can be determined – but our team here at TeleEMC is highly experienced at diagnosing Emergency Medical Conditions, and so our team can schedule the service as soon as they've contacted your office.
Q: When Can the Patient Get the EMC?
A: As long as the patient received medical care within those first 14 days, there is technically no specific date an EMC needs to be completed. Patients can complete the EMC weeks or even months later. The law does not specify a mandatory date. However, the longer a patient waits to get an EMC, the more issues there may be with treatments, payouts, and more. In some cases it may even be more challenging to diagnose an EMC if the patient has received treatment first and started to recover as a result. So early diagnostics is helpful for all parties involve.


text:
Fifteen is a game based loosely on All Fives and having a crib like Cribbage. It was contributed by Curtis Jones (email@example.com)
Deal and options
The dealer deals 7 cards to each player. Each player examines his or her cards then chooses two and puts them together, aside, forming a separate group of four cards. The top card of the remaining stack is then turned up. This card indicates two things; the trump suit for the hand, and also the cards which will score for the hand. However, before the play starts, the non-dealer, if he or she does not like the upturned card, is given a chance to change it, or he or she may exchange his or her hand with the four cards that were discarded (the crib).
If the non dealer does not like the upturned card, he or she says, "I beg". The dealer has two options to this declaration. He or she may say, "Take one", in which case the card stands, and the non-dealer scores one point. Or, the dealer may reply, "I give", exchange the card with one in his or her hand, as long as the new card is not of the same suit or value as the previous card. Note that if the dealer's hand is composed of entirely the same suit as the upturned card, he or she has no choice but to say "Take one".
If the non-dealer does not like his or her hand, he or she may say, "I switch". That player exchanges his or her hand for the crib set aside, takes the upturned card, then turns the next card of the stock face up. If the non-dealer neither wishes to "beg" or switch, he or she responds, "I accept", and the play begins.
Play and scoring
If the non-dealer begged or switched in the first part of the hand, dealer leads; otherwise non- dealer plays the first card. Normal ranking of the cards applies, with ace high. Players must follow suit if possible; otherwise, they may play any card they choose. Highest card of the suit lead wins the trick, or if a trump card is played, then it wins the trick.
After the five tricks are played, the non-dealing player examines the ones he or she won and scores 1 point for each trump card he or she took, and 1 point for each card of the same value as the upturned card that he or she took. For example, if the five of spades was turned up, and a player won the five of diamonds, the ace of spades, and the 3 of spades in his or her tricks, that player would score 3 points.
The dealer scores his tricks the same as non-dealer, and also gets to keep any points he or she finds in the discarded cards. For example, using the previous five of spades as an example, if the dealer had won the 6 of spades, and then in the discarded cards found the jack of spades, the five of clubs, and the five of hearts, the dealer would score 4 points. However, the dealer cannot win by the cards found in his or her crib. If the dealer would score more than 15 because of the cards in his or her crib, that player's score is set to 14. Note that the crib is four cards if the non-dealer did not switch, and five if he or she did.
The game is called fifteen as that is the maximum number of points that can be taken in one hand (14 points in the cards captured and found in the crib, and one point given to the non-dealer for begging); it is also the number of points that the players play to.
You can return any comments or questions on the game to Curtis Jones at firstname.lastname@example.com

subset: commoncrawl


text:
Apartments Offer Best Returns
by Howard Bell
In general, rental property is better positioned for this downturn than most other properties.
Why Do It?
According to the National Multi Family Council, U.S. apartments have provided the highest risk-adjusted long-term returns of all real estate asset classes and with less volatility.
1. Because investment income property is a cash flow business it has benchmarks and some standardized methods for determining value. Cash flow provides the investor with an objective evaluation tool.
2. Leases are generally one year, rental income makes relatively quicker adjustments than long term AAA leases or larger shopping malls etc. Apartment buildings have 12-14 month development cycles and can react in a timely fashion to the needs of the market place.
3. Apartments have a lower cost of capital and availability of debt capital thanks to Fannie Mae and Freddie Mac. Its a matter of policy.
4. Demographic trends are favorable. As a result, demand for rental housing in the U.S. is expanding at the strongest pace since the mid-1980s. Three million new renter households were created as a result of new household formation, declining rate of home ownership, foreclosures bringing new renters to market and the echo-boomers coming of age
5. The cost of gas and the time it takes to live in suburban/ex-urban areas is taxing and many people are moving back to city hubs for the convenience.
Todays Market
Things are tough in commercial real estate. Vacancy rates are up and rent rates are declining. Because income property is evaluated using cash flow, values are declining and are likely to continue to do so for awhile. Its not likely we will see the free fall that home prices have experienced, in part because investors are not emotionally driven buyers. So development didn't get out of whack and there wasn't as much of a bubble.
Reis Inc., a third-party commercial real estate data provider, notes apartments will continue to be the beneficiaries of housing's ills until "expectations of price appreciation" re-emerge with stabilization of the housing market. Vacancy rates may rise and rent rates may drop, but the crashing collapse we've seen in the housing market is not likely. Cap rates have already adjusted to lower cash flow and are now at 2004 levels. Attractive evaluations are beginning to create demand. The banks are not helpful, but Fannie and Freddie have stepped up and mortgage financing liquidity is available.
The apartment market is viable, even in times like these. The National Multi Housing Council points out that "relative to other investment classes such as industrial, office or retail, apartments translate 83% of NOI into cash flow while other property types range between 64% and 74%
See Howard Bell's feature, Get Your Property Rented Faster.
Howard Bell PFP CCRM is the founder/editor of Your Property Path.com, featuring over 450 articles on property management, Your Property Path SF, trade talk for the San Francisco real estate industry, Your Property Path News Brief, snap news updates and real estate market info, and Your Property Path Amazon Store. Howard is a property manager in San Francisco and holds a certification in financial planning.
American Apartment Owners Association offers discounts on products and services for landlords related to your real estate investment including REAL ESTATE FORMS, tenant debt collection, tenant background checks, insurance and financing. Find out more at joinaaoa.
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June 20th, 2014
Rick Perry's comments last week comparing gays and lesbians to alcoholics has elicited quite a few headslaps and groans across the political spectrum. Sane people see it as just another example of Texas-style ignorance and insanity, and even some Texas Republicans are wishing that he hadn't opened his big mouth. And few are trying to step away from the recently-approved Texas GOP platform endorsing sexual orientation change therapy. All of this has threatened to derail that re-boot of the Republican Brand ahead of the 2014 and 2016 elections. Texas GOP chairman Steve Munisteri, in particular, sees the danger:
But he did address the inclusion of reparative therapy in the platform, saying he doesn't believe you can convert a LGBT individual to a heterosexual by simply talking to them.
"And I just make the point for anybody that thinks that may be the possibility: Do they think they can take a straight person to a psychiatrist and turn them gay?" Munisteri said.
Munisteri said he's not the only one who opposes this plank in the party's platform.
"My emails and phone calls to the office are running overwhelmingly opposed to that plank in the platform," Munisteri said.
Ministeri describes the parliamentary maneuver that allowed the platform to be approved with the conversion therapy plank in place and says that there is no way to tell if a majority of Republicans statewide actually support the conversion therapy plank.
Meanwhile, Gov. Rick Perry's handlers in his totally-not-running-for-Presidential campaign have apparently had a sit-down with him and have gotten him to see that his remarks weren't going to win him any votes:
I got asked about an issue, and instead of saying, 'You know what, we need to be a really respectful and tolerant country, and get back to talking about, whether you're gay or straight you need to be having a job, and those are the focuses I want to be involved with,' instead of getting — which I did, I readily admit, I stepped right in it," he said.
Nothing he has said since would indicate he has changed his views about homosexuals. Nor has there been any real apology.
Why do we care about this man? His legacy will forever be his gaffe during the 2012 election debate. He's just a good-looking, good ol' Southern boy who can play a round of golf…but that's about it.
and he ain't even THAT good-looking! :p
Latest Posts
Featured Reports
In this original BTB Investigation, we unveil the tragic story of Kirk Murphy, a four-year-old boy who was treated for "cross-gender disturbance" in 1970 by a young grad student by the name of George Rekers. This story is a stark reminder that there are severe and damaging consequences when therapists try to ensure that boys will be boys.
When we first reported on three American anti-gay activists traveling to Kampala for a three-day conference, we had no idea that it would be the first report of a long string of events leading to a proposal to institute the death penalty for LGBT people. But that is exactly what happened. In this report, we review our collection of more than 500 posts to tell the story of one nation's embrace of hatred toward gay people. This report will be updated continuously as events continue to unfold. Check here for the latest updates.
In 2005, the Southern Poverty Law Center wrote that "[Paul] Cameron's 'science' echoes Nazi Germany." What the SPLC didn"t know was Cameron doesn't just "echo" Nazi Germany. He quoted extensively from one of the Final Solution's architects. This puts his fascination with quarantines, mandatory tattoos, and extermination being a "plausible idea" in a whole new and deeply disturbing light.
On February 10, I attended an all-day "Love Won Out" ex-gay conference in Phoenix, put on by Focus on the Family and Exodus International. In this series of reports, I talk about what I learned there: the people who go to these conferences, the things that they hear, and what this all means for them, their families and for the rest of us.
Prologue: Why I Went To "Love Won Out"
Part 1: What's Love Got To Do With It?
Part 2: Parents Struggle With "No Exceptions"
Part 3: A Whole New Dialect
Part 4: It Depends On How The Meaning of the Word "Change" Changes
Part 5: A Candid Explanation For "Change"
At last, the truth can now be told.
Using the same research methods employed by most anti-gay political pressure groups, we examine the statistics and the case studies that dispel many of the myths about heterosexuality. Download your copy today!
And don't miss our companion report, How To Write An Anti-Gay Tract In Fifteen Easy Steps.
Anti-gay activists often charge that gay men and women pose a threat to children. In this report, we explore the supposed connection between homosexuality and child sexual abuse, the conclusions reached by the most knowledgeable professionals in the field, and how anti-gay activists continue to ignore their findings. This has tremendous consequences, not just for gay men and women, but more importantly for the safety of all our children.
Anti-gay activists often cite the "Dutch Study" to claim that gay unions last only about 1½ years and that the these men have an average of eight additional partners per year outside of their steady relationship. In this report, we will take you step by step into the study to see whether the claims are true.
Tony Perkins' Family Research Council submitted an Amicus Brief to the Maryland Court of Appeals as that court prepared to consider the issue of gay marriage. We examine just one small section of that brief to reveal the junk science and fraudulent claims of the Family "Research" Council.
The FBI's annual Hate Crime Statistics aren't as complete as they ought to be, and their report for 2004 was no exception. In fact, their most recent report has quite a few glaring holes. Holes big enough for Daniel Fetty to fall through.


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Weekend Giveaway: Random House Audio Pack of Running/Work Out Listens
This weekend giveaway is sponsored by Random House Audio.
Like working out? Like reading? Wish you could combine the two into one singular experience?
You can!
Audiobooks make for the perfect running, walking, or lifting companion. Get your read one while you get your sweat on without ever having to manually turn a page to keep reading.
Up for grabs are 10 running- and work out-friendly audiobook prize packs that include:
- Every Day I Fight by Stuart Scott
- Blood on Snow by Jo Nesbo
- Natural Born Heroes by Christopher McDougall
- The Forgotten Room by Lincoln Child
- Devil's Bridge by Linda Fairstein
Open to US residents only. Giveaway ends 11:59 p.m. Eastern Time, Friday, August 21, 2015.
This giveaway is now closed.


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Nadya Day Care II
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9736 108th Street
South Richmond Hill NY 11419
South Richmond Hill NY 11419
Phone: 718-805-8893
Our Insights
This school participates in the New York Citys universal pre-kindergarten program, which offers free education to every 4-year-old in the city.
Public pre-kindergarten classes are offered in private child care centers, private and religious nursery schools, Head Start programs and subsidized child care centers for low-income families.
If you are a parent or staff member, please tell us more about the school in our Comments Section.Read more
Contact & Location
Richmond Hill (District 27)
Trains: to 111th St
Buses: Q112, Q24, Q37, Q8
Other Details
Shared campus?
Metal detectors?
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Little Leaders Live
107-37 118th Street
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It's My Turn
131-13 Liberty Avenue
South Richmond Hill, NY 11419
South Richmond Hill, NY 11419
- Is this your school? Please post any news, updates, events, changes, or other information!
- We welcome questions, open discussions, and disagreements but comments with personal attacks, rude language, or those with seemingly malicious intent will be deleted.
- Very long comments, those that contain links, or repeat comments may be blocked by our spam filter.
- Problems? email us at [email protected].
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Useful Links
Frequently Asked Questions
How do I place an order?
Directly on our website. If you have limited Internet access (such as when you travel) you can also place your order by calling or sending us a quick email.
How do I know my order has been placed?
We send you a confirmation email immediately after you place your order.
Do I need to create an account to shop?
No. You can shop as a guest. By creating an account will be able to:
- Check out faster
- Save multiple shipping addresses
- Access your order history
- Track new orders
- Save items to your Wish List
How quickly will you ship my order?
Typically in 1-2 business days. We ship every day, except on weekends and shipping holidays.
How do I know you have shipped my order?
Once we ship your order, we will send you a shipping notification email letting you know that your order is on its way, along with the tracking information.
What payment methods can I use?
- Major credit and debit cards
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We do not charge you for any taxes, duties, VAT, brokerage, or customs fees. However, these charges may be imposed by your country. We do not have customs information for other countries, and it is your responsibility to ensure that your order can be lawfully imported into your country and to pay for any applicable charges. For more details, please visit our Shipping page.
What is your base currency?
All prices are based on US dollars. For information purposes, we display equivalent prices in various currencies based on current exchange rates. For payments made in other currencies, the conversion is handled by your financial institution for payment to us in US dollars.
Can I change or cancel my order?
Yes, at any time before we ship. Please send us an email. Shipped order cannot be changed or cancelled.
What is your return policy?
In the unlikely event that your purchase is not as described, you may return it within 30 days from the date of shipment for a refund. Please see Returns for the how-to.
Are your products cruelty-free?
100%. We never test on animals, nor do we pay others to do so on our behalf.


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Friday, November 9, 2018
Weekly SSRN Tax Article Review And Roundup: Holderness Reviews Kahn's GoTaxMe — Crowdfunding And Gifts
This week, Hayes Holderness (Richmond) reviews Jeffrey H. Kahn (Florida State), GoTaxMe: Crowdfunding and Gifts, 22 Fla. Tax Rev. ___ (2019).
What is a "gift"? Webster's Dictionary defines "gift" as "something voluntarily transferred by one person to another without compensation" (I kid, I kid). In GoTaxMe: Crowdfunding and Gifts, Professor Jeffrey Kahn challenges the reader to define "gift" for federal income tax purposes in a more robust fashion than simply as transfers made with detached and disinterested generosity. Anyone who has taken a basic federal income tax class knows that § 102 excludes gifts from gross income but fails to define what gifts are. The Supreme Court filled this gap with the Duberstein "detached and disinterested generosity" standard, noting that in determining whether any particular transfer is a gift, "the most critical consideration . . . is the transferor's 'intention.'" Professor Kahn uses the example of the (currently) $448,162 donated by 11,709 people to former FBI agent Peter Strzok through the crowdfunding site GoFundMe.com to argue that the Duberstein standard's focus on the transferor's intention fails at the edges.
TThe analysis begins by offering two policy justifications for excluding gifts from gross income: the single tax unit justification and the optimum utility of consumption justification. Under the former, transfers between members of a single tax unit don't make the tax unit better off, so no income occurs. Under the latter, one round of tax "purchases" one round of personal consumption, and if a taxpayer would prefer to transfer that round of consumption to someone else, then that transfer should be allowed—tax-free—in order to optimize the utility generated by that consumption. These justifications are sound enough assuming we can identify single tax units and that one does not consume the "warm glow" of charity, and Kahn concludes that the Duberstein standard incorporates both.
The article then shifts gears to consider whether funds received through crowdfunding campaigns should be treated as gifts. Kahn advocates for a more delicate balancing of policies when conducting gift analysis than Duberstein implies. Despite concluding that such funds are often transferred in such a way as to meet the Duberstein standard and the policy justifications detailed above—particularly the optimum utility of consumption justification, Kahn ultimately rejects gift treatment for such funds because the transferee (or her agent) solicited those funds. This solicitation standard seems workable enough with respect to crowdfunding; after all, from the perspective of the transferee, this active solicitation is similar to active participation in a trade or business. Large scale crowdfunding campaigns seem the easier case though, raising the question of where to draw the line in other cases. For instance, does the college student begging for gas money from his parents cross the solicitation line when they relent? One would think not based on the single tax unit justification, and it would be interesting to see the article explore the relationship between the single tax unit justification and the solicitation standard (or other reasons for including gifts in income) a bit further.
Perhaps the Duberstein standard does better than it appears at first glance by implicitly adopting a single tax unit standard for gifts. A seemingly major source of tension in the analysis is that the tax consequences to the transferee are defined by the actions and intent of the transferor. This leaves open the door for someone to earn a living off of gifts, especially now that crowdfunding sites allow for widespread solicitation of detached and disinterested donations. However, the Code's default rule is that accretions to wealth are included in gross income, including treasure trove. To qualify for gift treatment, a transferee must prove the transferor's intention. That task can be quite difficult without having access to the transferor; as a practical matter, a transferee must have a close enough relationship to the transferor to understand (and prove) the transferor's intention, creating the implicit single tax unit standard. If a transferee has enough of a relationship with a transferor to prove their intention, then they will be presumptively treated as a single tax unit for gift purposes. With this in mind, I wish good luck to Mr. Strzok in tracking down and proving the intention of his 11,709 benefactors; better just to accept Kahn's conclusion.
Here's the rest of this week's SSRN Tax Roundup:
- Shun‐ichiro Bessho (Government of Bhutan), Child Benefit, Tax Allowances and Behavioural Responses: The Case of Japanese Reform, 2010–201, 69 The Japanese Economic Review 478 (2018).
- Graeme S. Cooper (Sydney), The Curious Reform of Foreign Source Income, 22 The Tax Specialist 2 (2018).
- Wei Cui (British Columbia), The Digital Services Tax: A Conceptual Defense.
- Michael P. Donohoe (Illinois), Hansol Jang (Illinois), and Petro Lisowsky (Boston University), Competitive Externalities of Tax Cuts.
- Michael T. Fatale (Massachusetts Department of Revenue), Connecting the Dot: Retroactive State Tax Statutes Revisit United States v. Carlton, 86 U. Cin. L. Rev. 33 (2018).
- Mitchell M. Gans (Hofstra), Publicity Rights and the Estate Tax, 42 Colum. J.L. & Arts (2018).
- Rohan Grey (Cornell) and Nathan Tankus (CUNY), Corporate Taxation in a Modern Monetary Economy: Legal History, Theory, Prospects, Binzagr Institute for Sustainable Prosperity Working Paper Series No. 118.
- Itai Grinberg (Georgetown), International Taxation in an Era of Digital Disruption: Analyzing the Current Debate.
- Eilnaz Kashefi-Pour (University of Birmingham) and Meziane Lasfer (City, University of London), Taxes, Governance, and Debt Maturity Structure: International Evidence, Journal of International Financial Markets, Institutions and Money (forthcoming).
- Jinyan Li (York) and Teresa Pidduck (University of Pretoria), The International Tax Environment and Simplification of South African Tax Legislation: A Double-Edged Sword.
- Michal Radvan (Masaryk), Czech Tax Heaven for Sportsmen, Optimization of Organization and Legal Solutions concerning Public Revenues and Expenditures in Public Interest: Conference Proceedings (2018).
- Fadi Shaheen (Rutgers), Income Tax Treaty Aspects of Nonincome Taxes: The Importance of Residence, 71 Tax L. Rev. 583 (2018).
- Barbara Trad (Griffith) and Brett Freudenberg (Griffith), A Dual Income Tax System for Australian Small Business: Achieving Greater Tax Neutrality?, 20(1) Journal of Australian Taxation 94 (2018).
- Dominik Tschinkl (University of Würzburg), Der Einfluss von Steuern auf individuelle Sparentscheidungen – Eine experimentalökonomische Untersuchung (The Impact of Taxes on Individual Savings Decisions – An Experimental Study)


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Head coach Marvin Lewis girded thousands of Bengals season ticket holders listening to Wednesday's conference call for his team's new look.
"Get taped up, get strapped up, get ready to go, we're about to have a lot of fun," Lewis said. "It's going to be an exciting season. It's going to have a new look to the Cincinnati Bengals and I think one the fans are really going to enjoy. I'm pleased with our progress thus far."
Lewis offered various hints of that new look by not taking long looks at quarterback Carson Palmer or wide receiver Chad Ochocinco while extolling the virtues of the team's top two draft picks that look destined to replace them. Lewis says Georgia wide receiver A.J. Green has a chance to have a great impact early and that TCU quarterback Andy Dalton has the physical tools to run the offense.
Questions about Palmer and how Lewis' staff is responding to the lockout dominated the 32-minute call. Lewis indicated Green got a playbook since he was drafted when the lockout was briefly lifted. He would only say that not every rookie got a playbook but the ones that did are allowed to do anything with it.
Lewis also shot down a rumor that ESPN analyst Jon Gruden, brother of Bengals offensive coordinator Jay Gruden, is teaching the Bengals quarterbacks the West Coast offense.
Lewis reiterated that he believes Palmer, the starter in 99 of Lewis' 130 games as coach, won't be around to learn it. He did say if Palmer decides to return the club would have the financial wherewithal to pay both him as the starter while grooming Dalton to be his successor.
But he made it clear that's not what he expects when asked if the Bengals would turn down "an offer you can't refuse."
"Guys have opportunity to retire and walk away," Lewis said. "And right now that's the situation Carson is in at this point."
Later Lewis said, "He feels the best thing for him is to go and retire and be with his family. That's a decision any player can make. The good thing for us is the decision was made early on, in January and we've been able to plan accordingly and go forward accordingly. For that, we benefited."
As for The Ocho, when asked to give a 1-10 on whether he'll be back, Lewis briskly knocked down the pass.
"That's not a question I'm going to answer at any point here," Lewis said. "Chad's a member of this team. He's got a contract. That's the way it goes. We're not in a position to do anything else. That's where it stands."
The fans' speculation moved beyond Palmer and The Ocho to Lewis himself and the circumstances around his contract extension two days after the season. Lewis was asked about the perception emerging from that day's news conference that he and Bengals president Mike Brown didn't appear to be on the same page.
"People speculate on things. I'm fine the way things are here," Lewis said. "And I'm excited about what we're doing and our direction and our future and we've taken some great positive steps in every area this offseason every chance we could. We continue to make positive steps. We want to try and get back to being the AFC North champs, win playoffs, and be world champions and that's our goal and I'm happy with our direction thus far."
The biggest changes came on offense with not only a new QB and receiver combo, but also the arrival of Jay Gruden.
Lewis stayed away from comparing Green and Dalton to past players ("That's unfair"), but he raved about what they can bring to the table.
"A.J. Green has the first chance to be the best A.J. ever in the National Football League," Lewis said. "He's a fine, productive receiver and he's got outstanding hands, big range, he does a nice job of blocking, he ran well with the ball. He ran their quick screens, he made big catches down the field, he runs the crossing routes, the vertical routes, he does everything you want a receiver to do coming into the NFL. We feel he has a chance to fit well into our offense and make a great impact early.
"Andy has great anticipation in his throws, great core strength. He gets the ball in and out of his hand. As he gets more comfortable with the things we do, he'll play faster and faster and faster."


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Mercedes shows car with compostable battery at CES
At the CES, Mercedes-Benz is presenting the Vision Avtr, a fully electrically powered concept car that not only has a futuristic design but also features visionary battery technology.
According to the company, the 110-kWh battery with graphene-based organic cell chemistry is free of rare earths and metals. The battery's materials are compostable and thus completely recyclable, according to Daimler. In addition, this battery technology is said to have a high energy density of 1,200 Wh/litre and also to have an "extraordinary fast charging capability". According to the press release, the battery should be fully charged in less than 15 minutes.
In addition, the technology should also offer developers a certain degree of flexibility in terms of installation space. In some places, the battery is to be only 94 millimetres high, allowing the interior of the vehicle to be designed more freely – so far, it has mostly been designed around the battery housing.
"The real potential of this technology currently lies in basic research," the German company writes, without revealing further information on the chemical make-up of the battery, meaning the technology used can only be speculated about. In December, for example, IBM Research reported on cobalt- and nickel-free battery chemistry, the materials of which can be obtained from seawater, among other sources. However, no precise details were given on the materials used. One of the partners for the further development of the IBM battery to series production readiness: Mercedes-Benz Research & Development North America.
The Stuttgart-based vehicle manufacturer specifies a range of 700 kilometres for the Vision Avtr. This should be made possible with the car's 110 kWh of power, but also because of the high efficiency of the recuperation. In addition, the efficiency of the secondary consumers will also be in focus in the completely digitalised show car. The "biometric-inspired approach" of the Vision Avtr promises to minimise the energy requirement of sensors, chips and other components "to a few watts". The show car has integrated solar panels in the body for their energy supply.
On paper, the 350 kW electric drive with four electric motors close to the wheels seems much less futuristic than the compostable battery. With a new control system and the striking wheels of the show car, the Vision Avtr should also be able to move sideways by around 30 degrees in a kind of crabwalk.
The appearance of the prototype is also striking. The design was inspired in some elements by nature, but also by Hollywood. The name Avtr references the blockbuster film Avatar, and Daimler worked with the team around director James Cameron on the concept car. The team is currently working on a sequel to Avatar, which is scheduled to be released in 2021. The transparent doors, the flowing design with many arches, and the operating concept, among other things, are all attributable to the Hollywood inspiration. Among other things, the car is supposed to recognize the breathing and pulse of its occupants and adapt to them. In addition, an interface is projected onto the palm of the hand via which the passengers are to interact intuitively with the system.
Even if it sounds a lot like ideas and dreams of the future: we are very excited about the further development of the battery concept!


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The Expendables 3 Trailer Has Everything An Action Movie Fan Needs
If you love action movies, you'll probably get a kick out of this new (and improved!) The Expendables 3 trailer. Even if one were lukewarm about the earlier two films, this trailer is a laundry list of things you love about action movies. And, truthfully speaking, this one actually looks like a step up from the mundane first film and the moderately enjoyable second.
Obviously they're trying, for the first time in this series, to relate to a younger demographic. This initially seemed like a silly idea, given that these action heroes are old as dirt, and their fans are old enough to see an R-rated movie. But if the remixed songs on the soundtrack weren't a clue enough, there's a solid spotlight here on new members Kellen Lutz (who apparently performs a comically ridiculous motorcycle stunt) and Ronda Rousey (who smashes heads at a club in a dress). If this is too much youth for you, don't worry: old man Harrison Ford wheels in on his irritable ankles and looks properly annoyed.
The villain here is Mel Gibson's CONRAD STONEBANKS, which is a name that oddly only exists in ALL CAPS, and any lower case letters to type CONRAD STONEBANKS should be unacceptable and returned to sender. STONEBANKS gets to drop the immortal action line, "You should have killed me when you had the chance!" as the trailer reveals that apparently he and Sylvester Stallone's Barney Ross were instrumental in the start of the Expendables, er, program. Graduate program? Seminar? Retreat? Book Club?
Wonderfully, it appears as if Ross attempts to deny his old age and recruits this young team for a mission, only for STONEBANKS to kidnap the young bucks, forcing the original Expendables back into action. Way to reinforce the notion that the old dudes do it best, Stallone. How very... Sly of you. Fortunately, that crew includes Wesley Snipes, who even has the time to get into a knife-throwing competition with Jason Statham. Oh boy, this is going to be such a macho movie. It even brings back Terry Crews' Hale Caesar (god, these names) and his penchant for carrying around comically massive guns.
Oh Terry Crews, are you ever not having a great time??
And those stunts! How about that? Some crazy stuff being pulled, including a few preposterous jumps that will make some viewers harken back to Stallone's Cliffhanger days. But it seems less about ego this time around, with the roll call saved for the end of the trailer, spotlighting the major roles going to Stallone, Statham, Antonio Banderas, Jet Li, Wesley Snipes and Dolph Lundgren. Sadly, the second credit card has actors like Crews and Randy Couture sharing space with Robert Davi (!) with the senior billing crowd ("and" "with") being Gibson, Ford and Arnold Schwarzenegger. Meanwhile, Bruce Willis sits at home, stewing.
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Celebrity Cruises
Canyon Ranch, one of the world's leading spa and wellness brands, today unveiled a partnership to feature
Canyon Ranch SpaClub® at Sea facilities onboard 10 state-of-the-art Celebrity ships. Canyon Ranch and Celebrity will create the largest and most comprehensive SpaClub at Sea offering, and debut exclusive SpaClub services and treatments. The luxurious Canyon Ranch SpaClub on Celebrity Cruises will include spa, beauty salon, wellness and fitness amenities presenting signature Canyon Ranch offerings. The industry-leading brands intend to elevate the onboard experience by introducing exclusive SpaClub treatments and services tailored to the unique preferences of Celebrity's guests, including new facial and body treatments, and unique yoga and meditation classes.
"We are passionate about providing our guests with unforgettable experiences, and this collaboration with Canyon Ranch is an important milestone in our drive to elevating guests' modern luxury vacations," said Michael Bayley, president and CEO, Celebrity Cruises. "We want every aspect of our vacations - from dining and destinations to relaxing in beautiful spa surroundings - to be special, and the experts at Canyon Ranch will help us deliver on this promise."
Both Canyon Ranch and Celebrity Cruises have long been recognized as leaders in their respective industries and have received countless awards. The Canyon Ranch SpaClub at Sea division of Canyon Ranch has been recognized as a "Best Spa at Sea" from various industry publications' readers choice awards, including Condé Nast Traveler and SpaFinder, Inc., and Celebrity Cruises is consistently awarded top honors by the readers of Travel + Leisure, Condé Nast Traveler and Celebrated Living magazine. The combination of these award-winning travel brands will result in an unmatchable vacation experience for discerning travelers seeking a taste of modern luxury at sea.
"It gives us great pleasure to offer our luxury spa experience to guests onboard Celebrity's state-of the-art ships," stated Peter Smith, COO of Canyon Ranch. "Our approach to the wellness lifestyle perfectly complements that of Celebrity and we look forward to a long, prosperous relationship."
The new, robust spa menu features popular Canyon Ranch treatments, such as indulgent facials and facial enhancements, massage, thermal, Asian touch, and Reiki healing energy therapies. A selection of salon offerings, including hair care, nail, and makeup services, will also be offered. Fitness lovers can choose from private consultations to group classes, including yoga, Pilates, cycling, Mind/Body Connection and relaxation - led by Canyon Ranch-trained fitness experts. Wellness programs such as personal exercise prescription, private nutritional consults, acupuncture, Chiropractic therapy and Canyon Ranch Healthy Feet™ centers will also be available on select ships. Additionally, Canyon Ranch health experts will provide onboard wellness lectures, workshops and cooking demonstrations.
Celebrity's modern luxury vacations bring guests to inspiring destinations on all seven continents. In addition to its newly enhanced spa and wellness programming, the premium brand welcomes vacationers to experience its luxury "AquaClass" accommodations, which infuse the stateroom experience with additional spa-like elements as well as a host of other extras. AquaClass guests can exclusively dine in the chic specialty restaurant, Blu, and enjoy unlimited access to the Persian Garden, a relaxing oasis with heated mosaic lounge chairs and grottos releasing a variety of dry heat, aromatherapy-infused steam and mists into the air.
About Celebrity Cruises: Celebrity Cruises' iconic "X" is the mark of modern luxury, with its cool, contemporary design and warm spaces; dining experiences where the design of the venues is as important as the cuisine; and the amazing service that only Celebrity can provide, all created to provide an unmatchable experience for vacationers' precious time. Celebrity Cruises' 11 ships offer modern luxury vacations visiting all seven continents. Celebrity also presents immersive cruisetour experiences in Alaska, Australia/New Zealand, Canada, Europe and South America. Celebrity is one of six cruise brands operated by global cruise vacation company Royal Caribbean Cruises Ltd. (NYSE, OSE: RCL). For more information, dial (800) 437-3111, visit
, or call your travel agent.


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Minnesotan six-piece Kazyak kick off See The Forest, See The Trees with folky, rustic textures and canyon-sized harmonies on "Pieces Of My Map," setting up a vibe that persists from front-to-back. This is gravitational stuff with hushed, emotive guitars, a violin-cello combo, and a soul-searching lyrical narrative, but it isn't without its playful facets: Glitchy electronic beats, warped synths and samples, atmospheres conjuring post-rock, backbeats dropping in and out. Curiosities abound, and it all enhances the story being told by singer Peter Frey.
Frey sometimes reminds of Jim James, just to give a frame of reference—especially apparent when he's really projecting, backed by harmonies and thick reverb. On "Tar Baby," his falsetto throws out a ghostly, earnest performance that almost sounds like a different voice altogether. Cymbals clank and crash arrhythmically in the background while the string section pushes the song to a peak. "To The Manner Born" and "Part I: Rabbiting Fox" are brutally sad—the former loveless and inconsolable, the latter happily lifted, about halfway through, by the ease of its backbeat and the assurance that "There's blood in the river/That don't make it a river of blood." It's followed by the ambient anxiety of "Part II: Pitch Thick," but Frey sounds perkier and optimistic in closer "Disposition," which moves along quickly with a lively strum-'n'-drum and thickly-fuzzed arpeggios of electric guitar. When it's done, the affair feels tied off with a pretty bow—it's storybook, but a little anti-climactic. Although a couple of the album's passages feel like a trudge through cadences without a defining feature, it's a worthwhile trip into an artful, stylish world from a creative group with an apparent obsession with fairy tales. Kazyak's adventurousness is beyond welcome.
In A Word: Doleful


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With surprising combinations and intensive flavours, the Nikkei Cuisine is cultivating a style which complements the Japanese subtlety for traditional and elegant meals with savoury elements from Peru, whether it's tartar from Wagyu steak from the southernmost tip of Japan, or with pickled scallops, which are given a whole new taste thanks to Peruvian elements. Food is grilled over an open fire on the Japanese Robata grill in a walk-in show kitchen.
Be enchanted by the cosmopolitan atmosphere of the design restaurant, and enjoy the finest cuisine at Hamburg's hottest venue right by the Inner Alster. A DJ provides a contemporary soundtrack from Thursdays to Saturdays.


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It is our goal to ship all orders within 3-5 business days. Orders with doming ship in 7-10 business days. You will receive and email when your order ships out with tracking information.
YES, during checkout you can select your country. We ship worldwide. Please be sure to review our shipping policy.
COVID 19 Impacts- Due to worker shortages and various COVID19 impacts we cannot offer shipping to various countries at this time. If your country is not listed on our selection form it is currently not available for shipping.
Generally all of our vinyl lettering and graphics products are adhesive backed vinyl lettering. Our lettering is sold prespaced individually cut with application tape to apply as one graphic, once the tape is removed you have individually cut letters on your surface. All of our vinyl is rated for at least 5 years sustained outdoors by the manufacturer.
Please note: Achieving the manufacturer lifetime rating is conditional upon proper installation and can vary depending on conditions. Vinyl lettering can be designed with a background or spaced to be purchased as one solid graphic.
Due to the custom nature of our business we are no longer accepting phone orders. If you cannot design your item on our website you are welcome to email us specifications for what you are looking for. If it is something we can assist you with we will coordinate proofs and ordering via email.
NO. Unfortunately we have many customers that base their color choice by the online preview. The color you see will likely not match what we see because of the differences in computer monitors, phones and tablets. In most cases these devices cannot show the final color you will receive properly. The color will vary from device to device. Additionally it is not possible to visually represent all vinyl colors on a screen. This includes specialty films and colors with pigments screens cannot represent. If the color you are choosing is critical then you need to request a free sample. Please review our color policy for our entire policy on colors.
NO. There are a variety of reasons why your final product may not look identical to what you see online!
We make our best efforts to produce what you designed online, however, the final product can have minor differences. See the above FAQ regarding color, the color will in most cases vary from what is shown on your computer monitor. Positioning of graphics, minor differences in outline/shadow thickness, gradient transition, and more can vary slightly.
Domed Lettering - We have to prep the design you produced on our website to be able to be domed. In order to do so we round the edges and reduce the complexity of the internal holes. We also separate the letters using our own discretion to prevent touching.
How do I know what I will get? You need to request a proof on your order to see the final prepped design before we produce it. We will not provide a refund or replacement if you do not like the way we prepped your design without a proof.
The size shown is the overall size. If you measured from the very top to the bottom of your graphic including all hanging letters that is the overall size. We do not size by the individual letter height. Please review our size policy
Our site displays the overall size and requires you set your size during the ordering process. Please measure before ordering as we produce your lettering based on the same information you see on your shopping cart and receipt. We do not make adjustments to the size you ordered unless told to do so before production. Please review our size policy
We do not accept returns or issue refunds for custom designed products. Please review our official return/refund policy
We have learned shipping damage is just something that will happen occasionally. If your package was damaged please send us a photo of the box and damage, we will replace it.
Yes, the rush options we offer vary depending on what you are purchasing. In some cases we can ship your order out in 2 days or less in other cases your order is moved to the front of the production queue. See our rush service option during checkout for more information. If available our site will show you when your order will arrive when rush is enabled.
If you have any questions regarding scheduled delivery please contact us. Please do not assume your order will arrive by a particular date unless our site shows this information.
Our site will present either a delivery estimate or firm delivery date depending on if rush is available. You must choose a shipping method with a delivery guarantee if you have a firm delivery date. If our site is not presenting firm delivery information we also recommend contacting us to verify we can ship your item to meet your deadline.
We always recommend removing your lettering from the box and storing it flat. It is also not a bad idea to take a squeegee and press the application tape down onto the graphic to make sure the adhesive is sealed against the backing paper to prevent it from drying out. We recommend to install your lettering within 30 days of purchase.
Unfortunately we cannot guarantee an exact match between orders. The 2020 pandemic has created many supply issues in the sign industry which has made it difficult for us to offer the exact same film month to month. We have been forced to substitute various colors as needed to continue to offer a wide range of colors.
If you are trying to match a previous order we always recommend reaching out to us and determine what sort of match we can provide. In the majority of cases the next order will be reasonably close, but we are happy to set expectations before you purchase.
YES, if you purchase through our boat registration section you will get two. You can verify this in the shopping cart under the quantity it will read 'two included'. If you purchase registration numbers included in a combo it will always include 2.
No! We occasionally get customers very confused by this. We will send you two identical boat names or registration numbers by default. That is the only correct way to produce your design. The only other option is to adjust the tilt (see below).
"But my lettering should be reversed for the opposite side!" Since we read left to right it isn't possible to reverse your decal and still be readable.
Here is an illustration:
YES, some states specify exact requirements like 2" spacing between the first two letters and last two. All you need to do is be sure to enable the new feature on our designer to specify this. Look for Specify State Required Spacing on the text tab.
We routinely have customers design registration numbers that are not compliant with their state laws. Wording varies between states as far as the specific requirements. We have found that specific conservation officers may enforce the law differently. Please review your own state laws before ordering as we will not replace or refund non compliant boat registration numbers.
NO, by default any of our boat name tools you receive a quantity of one. This is because some people only need one. To order a second boat name simply scroll down to the 'buy individually' section during the add to cart step of designing. You can add a second boat name to your cart.
Rubber and low energy plastics like is found on kayaks, various waverunners, and inflatable boats are not suitable for our standard vinyl lettering product. These require a high tack adhesive vinyl in order to stay attached. Regular vinyl may last several years, however, we do not officially recommend using that it for that use.
High tack adhesive option is now available on our online designer under the adhesive tab. Please keep in mind high tack vinyl is designed for low energy plastic so it still may not work in some cases depending on the surface texture or chemistry. If you plan on using our product on an inflatable of any sort keep in mind it cannot be deflated without damaging the lettering. Our acceptable surface policy still applies.
Our matching style section allows you to design boat names or boat registration numbers in the closest font we offer to the manufacturer. Sometimes this is the exact same font the manufacturer uses, other times it may not be close. We've done our best to make it easy to create something that looks close to the manufacturer logo. In the end we will make what you design, so please keep that in mind.
We would suggest you visit our How it works page to learn how doming works and what it is.
Unfortunately we cannot just sell you one letter as it won't match what you currently have. Colors fade and matching the exact size is not easily done. From time to time we have customers design and order just one letter domed, we recommend you do not do this.
Due to trademark restrictions in most cases we cannot remake what you had on your boat. We always recommend contacting your boat dealer or manufacturer directly for assistance.
No, we have to prep the design you produced on our website to be able to be domed. In order to do so we round the edges and reduce the complexity of the internal holes. We also separate the letters using our own discretion to prevent touching.
As mentioned in our color policy white generally takes on the tint of the color next to it. White will also be a few shades off (off white).
How do I know what I will get? You need to request a proof on your order to see the final prepped design before we produce it. We will not provide a refund or replacement if you do not like the way we prepped your design without a proof.
We answer this question every day, please use our contact form. Include your artwork, pictures, sizes, and the quantity you need.


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Avenue Louise 146
PAUL JANSSENS Plc.
The world's LANGUAGES
in the heart of Europe
PAUL JANSSENS Plc.
The world's languages in the heart of Europe
In the heart of Europe we focus on achieving the clear, unambiguous and correct use of language in all the world's languages, in all professional fields: we have been providing translations of legal, technical, medical, business and general texts for more than two decades now.
Paul Janssens: at your service
The translation agency grew spontaneously, as it were, from the many requests that Paul Janssens, a graduate in Germanic Philology and Political Sciences specialising in diplomacy, received as a certified court translator-interpreter at the Palace of Justice in Brussels. Paul Janssens' natural gift for languages and extensive legal knowledge seemed to be the key to the agency's success. Since then, he has been nurturing a new generation of translators: as the inspiration of the agency and as some-time university lecturer. It was no accident that the Paul Janssens Translation Agency was established in the vicinity of the Palace of Justice, and now definitively in Avenue Louise. The agency is the support and anchor for numerous legal bodies and organisations in Belgium.
From small acorns to great oak trees...
In the meantime, the team has been systematically extended with new, young internal staff members who keep the translation assignments on the right tracks: coordinating and checking translations, contacting clients and translators, deploying modern translation software and translating.
Professional translators with specialist knowledge... and professionals with a love of languages
We only work with translators who translate into their mother tongue. With a core of professional translators carefully selected from thousands of applicants, we cover virtually all domains and language combinations. Translators with excellent specialist knowledge and professionals with an outstanding talent for languages work on your texts with love and care.


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Approved Borrowers
Parents approved to participate in the PLUS program will be notified upon the submission of their application. If Keene has appropriately been listed as the student's institution, Keene will receive notification of your approval automatically within 24–48 hours of the submission of your application. Please allow 5–10 business days for processing of this application.
You will be directed to complete a Master Promissory Note (MPN) for the PLUS program online at StudentLoans.gov. The approved parent borrower must complete an MPN for the loan to be credited to a student's account.
Loan Origination
5–10 business days following our receipt of your approved application, the PLUS will be originated and added to the student's total financial aid award.
Finalizing your PLUS
A PLUS Master Promissory Note must be completed for the Parent Borrower online at StudentLoans.gov.
After the PLUS has been originated and applied to the student's account in a pending status, a Financial Aid Award Letter will be generated and emailed to the student reflecting either a maximum loan amount or the specific amount the borrower indicated on the application.
Adjusting your PLUS
The parent borrower can indicate in writing any adjustments he/she would like made to the PLUS disbursements by completing the Financial Aid Change Form. Requests for changes to disbursements can also be made via email correspondence to firstname.lastname@example.com. Requests received via email will only be accepted if they are sent from the email address the parent listed on the PLUS application. Students cannot request adjustments to PLUS disbursements. Increases cannot be processed for endorsed loans or after any portion of the PLUS has disbursed. A new application must be submitted and processed for increases in these cases.


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Konuralp from TurkeyMay 7, 2018
Macedonia through EVS – Umut BlogMay 7, 2018
It was a quick process for me to come to Macedonia. For the first time I was going abroad. I was so excited.Today, May 3rd. I came to Macedonia on April 1st. My 33rd day in Macedonia. I do believe I made good friendships. I see different cultures and different places. We organize fun events with my volunteer friends.For example, movie night, workshops on different topics, art attack and much more. I'm having fun and I know new people.
I and my other Turkish friend participated in a school project. We came here to do activities with a group of 10/11 kids from one of the local schools. We collected waste bottles from recycling boxes and from the streets.
Because we were going to enclose with a picket fence in the school garden. We needed bottles that were not used anymore. Every step of the project was enjoyable.
I organized a workshop on daily sports benefits.
We did some fun activities like art attack, movie night.
Me and other volunteers went to Highschool to play floorball. It was a nice team work again.We spent all our energy and it was good for us.
In the rest of our time we went to Ohrid with my other Turkish friend. Ohrid is a really nice town, there are a lot of historical buildings, churches, museums.
We went to the Museum.I love Atatürk so I am actually impressed by the museum.
I have had different experiences.I am very happy to be here and I am happy to say that I am coming.
The project will be over soon and I will be very sorry.I love my Ukrainian flatmates and i will miss them. I will miss people that I have known in Macedonia. EVS was a nice experience.I think everyone should experience it.I'd love to come back here again.
Nice to meet you Bitola.
See you Macedonia!