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While federal laws give baseline protection, many credit card issuers go beyond the minimum and offer a range of benefits exclusive to military families
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If you or your spouse is a member of the military, you could save hundreds of dollars a year on credit card interest payments or fees – or be refunded thousands of dollars in old payments – just by contacting your card company and letting them know you're serving your country.
Federal laws offer key protections, and many credit card issuers go beyond those baselines and offer a wide range of money-saving benefits that are exclusively available to military families. But the breaks do not come automatically; the onus is on service members to apply. And because these perks aren't widely advertised, many service members don't know about the benefits available.
"Our focus lies elsewhere," says Richard Kerr, a naval officer who frequently writes about military finance. "Worrying about the ancillary benefits of a credit card versus an upcoming deployment is pretty low on the list."
As a result, service members could be forfeiting hundreds, or potentially even thousands, of dollars in credit card interest and fees simply because they aren't taking full advantage of the offers and benefits available to military personnel.
Credit guide for military members and their families
Federal laws
Two federal laws give valuable credit protections to military members:
- The Servicemembers Civil Relief Act (SCRA) requires lenders to cap interest rate charges on already-existing loans that military service members took out before they started active duty at 6 percent. Lenders must also waive fees, such as annual fees or late fees, if those charges exceed the 6 percent cap."This is a huge benefit that so many military families just don't know about," says Christine Maxwell, an Army wife and author of the military finance blog Her Money Moves. "And it can literally save them tens of thousands of dollars over a military career."
"I wish I'd known about it when I was a new lieutenant," says the anonymous blogger behind the Military Dollar personal finance blog. "I hate to think about how much extra interest I must have paid because I never applied for SCRA benefits!"
Depending on the card issuer, military service members also may have access to a bevy of exclusive perks and benefits, such as annual fee waivers on super premium cards – which typically charge several hundred dollars a year – rebates on old interest payments, dramatically reduced interest rates for family members, extended SCRA benefits and more.
- The Military Lending Act imposes in interest rate cap of 36 percent on new loans taken out by active-duty service members and their dependents.While the SCRA is decades old, with its roots extending to legislation passed during World War I, the Military Lending Act is relatively new. It was initially passed in 2006, and amended and expanded in 2013, with the additional rules phased in. The MLA's latest provision, extending the 36 percent cap to credit card interest rates, went into effect in October 2017.
Credit-related federal laws for service members, at a glance
|Name of act
|Military Lending Act
|Servicemembers Civil Relief Act
|Who it covers
|Active-duty military members and their dependents
|Active-duty military members and their dependents (indirectly)
|When coverage starts
|At time of loan origination
|Applies to existing debt
|What it covers
|How it does this
|The MLA limits interest rates and some fees to 36 percent military annual percentage rate.
|The SCRA caps interest rate charges, including late fees and other transaction fees, at 6 percent.
Extended benefits
"Many credit card companies offer benefits that go far beyond the requirements of the law," says Kate Horrell, a military finance coach whose husband is in the military. For example, some card companies will waive annual fees or cut interest rates on new cards. Others will lower rates well below 6 percent or refund interest or fee charges that don't technically qualify for SCRA protection. Some military service members, for example, have received refunds on credit cards owned solely by their spouses.
"It's not what the law requires. It's something that they're doing as a perk or benefit," says Horrell. "I know military members who are getting thousands of dollars of interest refunded."
For example, among the card companies known to offer extended benefits:
- Capital One caps rates for cards and other eligible loans at 4 percent – 2 points less than what's required by law, says Capital One spokeswoman Amanda Landers. It also waives all fees associated with a credit card, including expedited processing fees for a replacement card, late payment fees, cash advance fees, balance transfer fees, over-limit fees and more. In addition, Capital One grants SCRA benefits for new cards and extends benefits for up to a year after a cardholder has left active duty service.
- USAA also caps rates at 4 percent for both pre-existing debt and new charges, says USAA spokesman Matthew Walter. Military families are eligible for the extra low rate when a service member is deployed abroad or when a military family is given a permanent change of station – a move that often happens every couple of years. USAA also gives cardholders up to a year after active duty has ended to request retroactive benefits.
- American Express waives annual fees on new cards, including cards with high annual fees such as the Gold and Platinum cards. It may also waive other charges. "We encourage our military servicemen and women to contact us directly to hear about the specific benefits and fee waivers we have available to them," American Express spokeswoman Charlotte Fuller wrote in an email.
- U.S. Bank also waives fees for service members. "U.S. Bank is proud to serve our service member customers with a variety of credit cards and lending benefits that fall within the Servicemembers Civil Relief Act (SCRA) and Military Lending Act (MLA)," senior vice president Cliff Cook said in an email. "In addition, we do offer additional benefits, such as waiving annual fees and late fees for these customers."
- Bank of America offers reduced interest rates on military-themed affinity credit cards and all SCRA-eligible cards for up to six months after a service member leaves active duty, says Bank of America spokeswoman Betty Riess.
- Discover grants SCRA benefits to military spouses or domestic partners, says Discover spokesman Jeremy Borling, even if the service member isn't listed on the card. Under the SCRA, lenders are only required to extend benefits to spouses with jointly held cards. It also extends SCRA benefits on new cards. "Many of these additional benefits are aimed at making it easier for service members to access them," he says.
Retroactive refunds
Card issuers also should refund charges, such as annual fee or interest payments above the 6 percent rate cap, that service members incurred before they applied for benefits. "I had several friends who got annual statement credits for all the years that they've been active duty," says Kerr.
In addition, some card companies will even refund interest rate or fee charges that service members and their spouses incurred years before entering military life. For example, Bailey Cummins, an Army wife who runs the blog Becoming Bailey, saved thousands of dollars in interest charges on her Discover card after she asked if it would qualify for SCRA relief.
"Discover went beyond what they were required by law," says Cummins. "At the time that we received the benefit, my husband was not on the card."
In addition, "I had applied for the card long before we got married, but they approved it for SCRA benefits, which was very generous of them, and I was super grateful." Discover even refunded interest charges dating back to when Cummins first opened the card – nearly three years before she became a military spouse.
"It's not what the law requires. It's something that they're doing as a perk or benefit. I know military members who are getting thousands of dollars of interest refunded."
"I think they're doing it as a thank-you to military service members," says Maxwell.
Lucrative perks
Maxwell recently opened an American Express Platinum card and didn't have to pay a penny of the $550 annual fee that Platinum cardholders are typically charged because her husband is a military lawyer on active duty.
"It was a brand-new card, so they don't necessarily have to do that," she says.
In addition, American Express waived other ancillary charges, such as over-limit and late payment fees. Because it's so expensive, the Platinum card is not a card she normally would have applied for, says Maxwell. "But it's free."
Just by opening the card, she's already pocketed hundreds of dollars' worth of benefits for new cardholders, including a $200 airline fee credit, a $100 credit for TSA Precheck or Global Entry, free Uber credits and more.
The Platinum card is one of the most popular cards amongst military finance bloggers, thanks to its lucrative perks and exclusive freebies for Platinum card members.
"They have a huge sign-up bonus that I used to travel to Europe," says John, an active duty Coast Guard member who runs the blog Military Fire and prefers to remain anonymous.
However, military credit card holders also have access to a wide range of other premium annual fee cards that offer ample bonuses on groceries, gas and travel, provided they have the credit scores to qualify.
Premium cards that have their annual fees waived are especially popular with military bloggers because they provide so many opportunities to rack up rewards on the go.
"I think that is one of the awesome benefits of being in the military," says Andy Sheep, a naval officer who helps run The Military Frequent Flyer blog. "Travel alone is a benefit in itself, but to get even more rewards on top of that is icing on the cake."
Some trips require service members to use a government credit card, says Sheep. But others allow cardholders to get around those requirements or use their cards for personal expenses.
Rules, tips for applying
To get SCRA benefits or related perks, service members must contact the credit card company directly and ask what benefits it offers. Some, such as Capital One and American Express, allow you to apply for benefits online. Others require you to call and send proof of your status, such as military orders.
Ask if the card company offers any benefits that go above and beyond the SCRA, says Doug Nordman, a retired military officer and author of "The Military Guide to Financial Independence and Retirement." Not all card companies will be willing to extend more generous benefits, but it doesn't hurt to ask.
"They might lower interest rates, they might waive annual fees and they might go back in time and lower interest rates or retroactively waive annual fees," says Nordman. "Every card issuer does it differently."
Some issuers have also scaled back the benefits they offer military families, so don't be surprised if a card issuer that was rumored to offer benefits no longer does.
If a company denies your request, "Let it go," says Cummins. "If they don't go beyond what the law requires, that's their choice. We're not entitled to these things. We're only entitled to what the law requires of credit card companies."
Veterans, military retirees can benefit as well
Active-duty service members aren't the only military affiliates eligible for special credit card rates and benefits. Veterans and military retirees also have access to some of the lowest credit card interest rates and fees.
Cards specifically targeted to members of the military and their families, such as those from Navy Federal Credit Union, Pentagon Federal Credit Union and USAA, for example, offer some of the lowest rates and fees cardholders can get.
CreditCards.com analyzed 22 cards that require some kind of connection to the military or another qualifying organization to be eligible to apply and found:
- Low interest rates: Military cards are among the few cards still available that offer genuinely low interest rates on new purchases. For example, the average minimum interest rate on a military card is just 10.65 percent – nearly 6 points less than the national average. These rates are for family members and military cardholders who aren't currently on active duty and so don't qualify for SCRA benefits.
- Low maximum interest rates: The average maximum rate is 20.83 percent, but many cards offer a maximum rate of just 17.99 percent. Meanwhile, some offer rates as low as 6.99 percent.
- Fewer fees: Military cards also carry fewer fees than the typical credit card. For example, nearly half of the military cards surveyed don't charge a penalty APR. None charges foreign transaction fees – a big perk for cardholders who live abroad – and seven waive credit card balance transfer fees.
- Decent rewards: Rewards are decent for cards with such low rates. Among the cards surveyed, six offer 1.5 to 2.5 percent back on every purchase. Two offer 5 percent back – or 5 bonus points – on gas. One offers 5 points back for travel purchases.
"Those are good cards to start out with," says John of Military Fire. "Those cards usually don't offer huge sign-up bonuses." But they typically offer safer terms.
Once you've established your credit and proven that you can comfortably manage your balances, which is reflected in higher credit scores, you can then upgrade to a more lucrative high-end card.
Just be sure you continue to pay your bills on time and avoid overcharging, says Maxwell. Your credit score is especially important when you're a member of the military because a bad score could alter your ability to do your job.
"Credit is very important for service members," she says. "If you have a top-secret clearance, your credit history affects your clearance."
The government may decide it can't trust you if you have problems with your credit. "I think service members often don't think about how it could affect your career in the long run if you don't take your credit seriously."
See related: Military credit cards, Authorized user not covered by service member's APR protections


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How to Eat Healthy in Chicago: Dining with Deep Dish & Dogs
From Chicago's deep dish pizzas to hot dogs, Chicago has a gluttonous food scene. Our city is home to one-of-a-kind local bites, such as the Maple Bacon Doughnut from Glazed & Infused, 312 beer from Goose Island Brewery, and an egg topped burger from Au Cheval. These decadent foods are a tourist attraction, but when we are surrounded by them year round we need to have a set of healthy tools to be able to dine out year round in this city. Here's how to eat healthy in Chicago's most notorious food scenes:
Chicago Pizza:
Lou Malnati's Chicago Classic Deep Dish Slice: 600 calories, 37 grams of fat, 38 grams of carbohydrates, 29 grams of protein, 730 mg of sodium
Healthy Tip:
- Try out some of Chicago's best thin crust spots, such as Home Slice, Coalfire, and Parlor Pizza Bar, for and lower calorie, fat, and carb option.
- If you go deep dish, split the pizza and salad with a friend.
Chicago Hot Dogs:
Portillo's Chicago Style Hotdog: 377 calories, 20 grams of fat, 38 grams of carbs, 12 grams protein, 2,384 mg sodium
Healthy Tip:
- Try out Flub A Dub Chubs Hot Dogs, where you can get a hot dog wrapped in lettuce or served in a lettuce bowl.
- If you go for Portillo's, try out their famous Chopped Salad (ask for dressing on the side).
Chicago Burgers:
Shake Shack's Double ShackBurger: 770 calories, 50 grams of fat, 25 grams of carbs, 54 grams of protein, 1490mg sodium
Healthy Tip:
- Try out DMK Burger Bar for their Salmon or Paleo Burger and Epic Burger for their Bunless or Turkey Burger.
- If you go for a burger, opt for a single patty, add extra vegetables, and/or try it protein style (aka: sans bun).
Chicago Tacos:
Taco Burrito King's soft-shell corn tortilla with lettuce, tomato, sour cream, cheese, sauce, and choice of meat: No nutritional information (shell tortilla is fried= high in fat, sour cream and cheese= high in fat)
Healthy Tip:
- Try out Taco Burrito King's healthier options of a veggie taco or taco salad and Velvet Taco for their Mediterranean calamari or Ahi poke taco.
- If you get a taco around town, remove one tortilla if there's two, select corn over flour tortillas, avoid extra sour cream or cheese, and choose fish or chicken for the protein.
Chicago Brunch:
Flo Chicago's Fruity Pebbles French Toast, Little Goat Diner's Fat Elvis Waffles, Yolk's Pot Roast Benedict: Nutritional information conveniently not available.
Healthy Tip:
- Try out Eastman Egg's Fairfax Egg Sandwich or Egg Bowl and Protein Bar's Pancake in a Bowl.
- If your out at brunch, create your own omelet or have a pancake topped with fresh fruit. If your craving a decadent option, offer to order it for the table to share.
Chicago Weekday Lunch:
Potbelly's A Wreck Original Sandwich: 538 calories, 20 grams of fat, 59 grams of carbs, 33 grams protein, 1746 mg sodium
Healthy Tip:
- Try out Chicago's own meal prep service, Eat Clean Chicago, a company that cooks and delivers your meals to you.
- If you get caught in the weekday lunch traffic, grab a flat bread sandwich from Potbelly's, a chicken salad from Chipotle, or a bowl from Freshii.
Navigate the menu, so you can expand your health and not your waistline in Chicago. Show your favorite healthy Chicago options to @EatHealthyChicago by using the hash tag #EatHealthyChicago.
Maggy Boyd just completed her first year as a nutrition graduate student in the UIC MS CP program. When she's not at school she is coaching the UIC Diving Team, competing in NPC Bikini shows, and exploring Chicago. Follow her @NutritiousFoodie and her website.
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Great read! Wanting to visit Chicago soon and appreciate some great tips on how to maintain a healthy eating schedule!! The healthier food pictures look great as well will definitely be visiting some of these spots.
[…] Dining out? Follow this guideline for "How to Eat Healthy in Chicago" […]

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I am very concerned (embarrassed even) about the ludicrously high cost of almost everything in New Zealand, especially in light of our relatively low wages. This is severely limiting people's quality of life, and leaves virtually no discretionary spending ability for many. The perpetrators of this seem to consistently blame "distance & isolation" and "the small size of New Zealand's market", but to me this is codswallop. I believe it's because we are too small for an effective competitive market to operate and so we end up with a couple of dominant players who effectively control each sector. There are numerous sectors that need to be looked at, but groceries and building products would be good places to start as these have the most impact on peoples everyday budgets. I would really like to see some proper and gutsy investigation done so we can get some transparency across these sectors. Once we have this transparency we can decide as a country what we may be able to do about out it.
Tackle the high cost of almost everything in New Zealand
Tackle the high cost of almost everything in New Zealand
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Plastimo Offshore 75 Compass Black - Black Card. Flush Mount Horizontal
Flush Mount Dimensions:
Offshore 75 Compasses - General:
Powerboats of 5 to 9 metres (17 to 30 ft) The Offshore 75 compass benefits from Plastimo's invaluable experience in compass engineering. Whatever the boat speed or vibrations, the Offshore 75 remains fully efficient, thanks to the exclusive "Vibration Absorber" system which guarantees an exceptional card stability in all conditions.


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Open Science: from values to practice. Building a roadmap for transformative change
Open Science aims to open up the whole research cycle to society, reinforcing the idea of scientific knowledge as a public good. Open Science leverages on new digital technologies and facilitates inclusiveness, openness, participation and collaboration across the globe. It embraces open access to publications, data, codes, methodologies, ethics and integrity, open research evaluation, open educational resources and multi-stakeholder engagement in research. Open Science is implemented in parallel with Responsible Research and Innovation that share some of its goals and are both boosted by different scientific communities, governments and the European Commission.
This B·Debate, a joint initiative of Biocat and Obra Social "la Caixa", is co-organized with the Centre for Genomic Regulation (CRG), the University of Barcelona (UB), the Barcelona Institute for Global Health (ISGlobal), the IrsiCaixa AIDS Research Institute and the Open University of Catalonia (UOC). The goal of this event is to start building a roadmap for practicing Open Science, by gathering national and international experts from different disciplines and exchanging knowledge and good practices among participants. We will focus on four main streams of Open Science: 1) Open Access; 2) Research integrity and reproducibility; 3) Research evaluation; and 4) Stakeholder engagement. The event itself will be a co-creation experience during dedicated working sessions, to build together specific recommendations with input from all relevant stakeholders.
Our target audience is the scientific community from academia and industry, policymakers and funders, industry, civil society organisations and the education community. The main outcome of this B·Debate will be a call for action on Open Science, with the potential to become a living guide for the implementation of Open Science in Catalonia and Spain. This will include concrete recommendations for different stakeholders, as has been done in the Netherlands or Portugal.


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The number of people claiming Jobseekers Allowance (JSA) in Morley fell by 3.6 per cent last month, the Department of Work and Pensions (DWP) has revealed.
As of the end of October, 558 people in the town are seeking employment.
Across Leeds, 2.3 per cent of the working population are claiming JSA, as the number of jobseekers continues to outnumber vacancies.
Between 20 and 30 per cent of new jobs acquired in October are thought to be temporary and Christmas work, which could result in the figures rising again at the turn of the year.
However, Simon Betts from the DWP said he was hopeful that the progress of the local economy would curtail that effect.
"We tend to find that temporary and Christmas work can put jobseekers into a working mindset and it improves their confidence, which will in turn help them find further employment.
"There's a lot of work going in the retail sector in West Yorkshire at the moment, around the Victoria Quarter in Leeds and with the opening of the new shopping centre in Bradford. So we're hopeful that that (momentum) can be sustained."


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It's our Sakae Sushi first experience in Sunway Pyramid, Petaling Jaya. Japanese food always be in my menu every each month as I consider it's very healthy and tasty cuisine.
I will recommend Sakae Sushi as one of the best Japanese food in town with the best decor and ambiance environment, unique style of digital ordering system using Ipad. It's very smart and convenient way for their customer.
They also have a kid's menu and Aqilis really enjoy it....
Aqilis @ Sakae Sushi


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EMR more mobile and user-friendly, whether that user is a physician or patient. Collaborating with the White House Administration, a community of web design mentors and investors collectively known as Designer Fund organized the contest. The winners have been announced and their designs will be open sourced and used as the EMR format for Veterans Affairs. The contest was targeted at startup designers with a prize $25,000 for the winner and have their creation used in the largest EMR network in the country.
Health Design Challenge Objectives:
1. Improve the visual layout and style of medical data
2. Create a people-friendly design, making it easier for patients to manage their own health
3. Make information easier to understand and use by healthcare providers
4. Find a way to include family members and friends in the care of the patient
Best Overall Design - Nightingale
Best Medication Design - M.ed by Josh Hemsley
Best Problem/Medical History - Grouping by Time by Matthew Sanders
Best Lab Summaries - Health Summary by Health Ed
A combination of the winning designs will be put together for the VA to help their patients understand their medical records. The EMR designs will also be open-sourced on Github, allowing them to be integrated with other EMRs as well as accept continuous contributions to the project from physicians and other designers.
Click here to see the winners' showcase.
Melissa Le Furge: Healthcare IT
Thursday, January 31, 2013
Winners of White House's Health Design Challenge Create Mobile EMR
Posted by Melissa Le Furge at 6:00 AM 1 comments
Labels: EMR
Monday, January 28, 2013
Snoring More of a Heart Disease Risk than Obesity
Who would think that something as benign (and annoying) as snoring could have life-threatening repercussions? A new study from Henry Ford Hospital warns that snoring puts patients at more risk of heart disease than obesity, high cholesterol and smoking. The underline message of the study for physicians was to take note in their cardiology EMR and ask patients (or their significant others) about their sleep habits.
Conducted by Henry Ford Hospital in Detroit, the research studied the medical records of 913 patients on their snoring habits who were evaluated by the hospital's sleep center from December, 2006 to January, 2012. Out of the 913, 54 patients completed the researchers' snoring study and underwent a carotid artery duplex ultrasound, measuring the intima-media thickness of the arteries to detect and monitor the progression of atherosclerosis. Since none of the patients had obstructive sleep apnea (OSA), research results led the study authors, Drs. Robert Deeb, M.D. and Kathleen Yeremchuk, M.D., to believe that the risk of cardiovascular disease caused by snoring is a prelude to OSA, contrary to previous belief that OSA leads to the risk of cardiovascular disease.
When given the carotid artery ultrasound, snoring patients were found to have greater intima-media thickness than non-snorers. The swelling in artery wall thickness, theorized the researchers, was most likely caused by trauma from the vibration in the throat from snoring. As a message to cardiologists to annotate the occurrence of snoring in their cardiology EMR, the authors of the study warn that the noisy sleep habit should no longer be shrugged off. "Snoring is generally regarded as a cosmetic issue by health insurance, requiring significant out-of-pocket expenses by patients. We're hoping to change that thinking so patients can get the early treatment they need, before more serious health issues arise," says Dr. Deeb.
Posted by Melissa Le Furge at 6:00 AM 0 comments
Labels: Cardiology EMR
Wednesday, January 23, 2013
Alarming Number of Doctors Copy EMR Progress Notes
Starting from the first day of kindergarten, schools teach children that copying is a definite no-no. However, according to a new study, doctors seem to have forgotten this rule somewhere along the way as over half of intensive care unit physicians were shown to copy and paste information in patient progress notes in the hospital's EMR system.
The Society of Critical Care Medicine conducted a study that analyzed 2,068 progress notes for 135 patients in an ICU, written by 62 residents and 11 attending physicians. The study showed a disturbingly high occurrence of copied material in the notes, ranging from 20 to 61 percent. 82 percent of resident physicians copied information from previous progress notes and pasted it into a new one, all in the name of cutting corners to save time. The attending physicians studied didn't fare much better, as 74 percent of them were guilty of copying information. Following at least one day off work, the percentage of attending physicians who copied information from their own prior notes increased to 94 percent.
Not only is the copying of EMR progress notes (information cloning) seen as immoral from a societal standpoint, but more importantly, this practice can also be very detrimental to the patient's health and treatment. Cutting and pasting medical data that's a day old, or even a few hours old, can skip over and disregard pertinent information about the patient's condition that occurred between the time when the physician saw them last, such as an event or changes in medication. Information cloning can also lead hospitals and physicians to be investigated for insurance fraud if found to have consistent repeated diagnosis billing codes. Medicare has vowed to crack down on record copying saying, "Identification of this type of documentation will lead to denial of services for lack of medical necessity and the recoupment of all overpayments made."
Posted by Melissa Le Furge at 2:09 PM 0 comments
Labels: EMR
Friday, January 11, 2013
AMA Urges CMS to Find an Alternative to ICD-9
medical practice management software for the implementation of ICD-10, says the AMA, will create only problems for small practices with no benefit to patient care.
The International Classification of Diseases 10th Revision, or ICD-10, stands as the standardized coding system for outpatient diagnostic codes used in HIPAA transactions, replacing ICD-9. The letter to Travenner was signed by not only the American Medical Association, but by a multitude of medical organizations such as the American Academy of Family Physicians, the Endocrine Society and the Medical Group Management Association. AMA's reason for asking CMS to halt the implementation of ICD-10 is that it competes financially with EMR implementation and upgrade projects that practices are taking care of to comply with other CMS HIT reporting programs. They fear that the financial stresses of complying with both ICD-10 and the HITECH Act - and the financial penalties physicians face if they face if they don't - could be enough to put many smaller practices out of business.
Posted by Melissa Le Furge at 5:52 PM 0 comments
Friday, January 4, 2013
Shared Psychiatric Electronic Medical Records Decreases Hospital Readmission
electronic medical records that include mental health information was shown to decrease the likelihood of patient readmission.
A study by a research team at Johns Hopkins University found that keeping a patient's mental health records separate from that of their physical health in an electronic medical record in the name of privacy can actually hinder the care they receive. After surveying the psychiatric departments of 18 of the highest ranked hospitals by U.S. News & World Report's Best Hospitals of 2007, the team found that less than 25 percent of the hospitals gave non-psychiatric physicians full access to patients' mental health EMR charts. Of those who allow non-psychiatric access to mental health records, patients were 40 percent less likely to be readmitted within a week of discharge, whereas the patients of hospitals who did not allow access were 27 percent less likely to be readmitted.
When hospitals choose to exclude mental health data in EMRs, it leaves a gap in information surrounding diagnoses and medications prescribed. This only keeps primary care physicians and other specialists in the dark about the patient's overall condition. Depression and other mental illnesses sometimes make it difficult for patients to follow physicians' instructions after a heart attack or stroke and are less likely to take proper care of themselves. The real danger of not sharing psychiatric medical records lies in drug interactions. Being uninformed about medications prescribed by a psychiatrist can cause the primary care physician to prescribe medications that create adverse reactions. For instance, when mixed with Klonopin for seizures, SSRIs can depress the central nervous system activity and respiration in patients.
As an indicator of poor quality of care, hospitals now receive financial penalties by the Centers for Medicare and Medicaid Services for patient readmissions. Physicians cannot provide patients with top notch holistic care if they remain uninformed on the patient's whole condition. Hiding mental health information in electronic medical records only feeds the stigma and shame surrounding mental illness instead of treating it as one would any other illness.
Posted by Melissa Le Furge at 6:00 PM 5 comments
Friday, November 30, 2012
Electronic Medical Record Use Increases Repetitive Stress Injuries
electronic medical record technology certainly helps patients, but may end up hurting health care providers. Many doctors and nurses report muscle and joint pain due to increased computer and tablet use after the implementation of an EMR in their clinic. Professors at Duke University advise health care providers to stay mindful of posture and office layouts when adopting new technology.
Professors Alan Hedge and Tamara James conducted an ergonomics survey study in the clinics at Duke University Medical Center. The questionnaire asked physicians about their musculoskeletal discomfort, computer use, knowledge of ergonomics and the level of typing skills they exercised while at work. Out of the 179 physician responses, the majority reported experiencing pain in their neck, shoulders, thoracic and lumbar spine at least once on a weekly basis. Weekly repetitive stress injuries and pain in the right wrist were also reported by 40 percent of women and 30 percent of men. Hedge and James explain that the women spent an hour longer per day on the computer than their male colleagues.
The survey results concerned the Duke researchers; repetitive stress injuries could pull doctors and nurses away from their jobs, reducing their availability to their patients. To reverse and prevent repetitive stress injuries from the increased use of electronic medical record technology, OSHA recommends keeping the workstation monitor at or just below eye level, maintain the head and neck in line with the torso, pull elbows close to body, and use a lumbar support while sitting. Tablet use increases to popularize as well. Using a separate keyboard and a tablet arm can help avoid neck and shoulder strain.
Posted by Melissa Le Furge at 5:01 PM 1 comments
Labels: Electronic Medical Record
Location: Oakland, CA
Thursday, November 29, 2012
NFL Implements Electronic Medical Record Software Technology
electronic medical record software swiftly makes its way into the world of athletics. The number of players over 300lbs has increased from only one in 1970 to 394 in 2000, which translates to harder body slams and more severe brain and spine concussions. Officials announced the implementation as a means of treating on the field concussions more seriously and effectively.
The National Football League will be adopting EMR technology for all 32 teams over a two-season period. The implementation goal makes the players' medical records completely portable from handheld devices on the field to the workstation in the hospital or doctor's office. Portable records allow team and personal physicians to track the players' injury and general medical history. This is particularly helpful should a player happen to get traded to another team.
The NFL's use of electronic medical record software should greatly improve the quality of medical care in the event of a concussion; wireless technology will prove to be helpful if a player gets injured on the road. Off-field physicians can view submitted a video clips of the game or practice that illustrate exactly how injury occurred, enabling them to provide the appropriate care needed to treat the specific injury. The NFL currently uses a manual-entry electronic injury reporting system which they plan to synch with the new EMR technology. Tracking head and spine injuries through electronic medical records will help neurologists better understand the effects and consequences of repeated concussions in professional athletes.
Posted by Melissa Le Furge at 2:13 PM 1 comments
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Hello All
I need a trifold brochure to be produced.
It will be on an A4 which folds to DLE size. full colour back and front. Printer requires the file supplied to have a 3mm bleed.
I want a brochure that is clean, minimalist, and a visually stunning design. I'll provide a mockup of the content and images I'm wanting to use, but am looking to find an expert designer who can look at my mockup and think .. there is a much better way of displaying this information.
It is for a technology product
For anyone interested, can you show me any work you have done that you think best demonstrates your ability to deliver something that i'm looking for.
Again .. am looking for a great designer, with amazing ideas that can deliver beautiful looking work, quickly and efficiently - if this sounds like you .. get in touch. :o)
57 freelancers están ofertando el promedio de $121 para este trabajo
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text:
December sales were up 4.1% to December 2015 due strong auto sales with aggressive year end promotions.
The top 3 growth businesses were internet retailers, health stores and restaurants/bars:
- Non-store/online retailers posted a strong 13.2% gain over last year. An acceleration from the last few months.
- Motor vehicle dealers posted the second largest growth rate with 7.2% year over year growth.
- Heath and personal care stores posted the third largest (excluding gasoline) increase 6.2% year over year monthly gain.
- One point to note is the positive yet declining growth rate trend in food services & drinking places.
On the downside, the bottom 3 remained the same:
- Department Stores multi-decade decline continued with a sizable 8.4% decline.
- Sporting goods, hobby, book and music stores saw a decline of 3.6%.
- The Electronics vacuum of sales to online continues with a decline of 2.4%.
Strong auto sales brought rosier sales than expected, nothing new here in terms of shifting sales to online but the degradation in restaurant sales growth is a trend worth noting.


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Monday, 9 January 2012
Long Time
8 comments:
- Jeff said...
Welcome back Nathan,that's an impressive year list and some really nice highlights,you certainly must have covered a few miles !!
- Tuesday, January 10, 2012
- Anne Higgins said...
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Yeah good year Nath..., was that BOU or Evans?
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Terms & Conditions
Vino Tours and more Tmi is a Finnish company and its Business ID is 2734168-1. All of our prices include a VAT of 24%.
We arrange authorized excursions in the Helsinki area and its surroundings.
By purchasing one of our products, you accept our terms & conditions.
Most of our tours are walking tours with the use of public transport and they are best suited for people in good physical condition. In case of a disability (f.e. wheelchair), please contact us and we will provide special arrangements.
We strongly recommend guests to arrange travel insurance in order to cover cancellations and delays, due to unforeseen circumstances, or those beyond all control (e.g. inclement weather, strikes, etc). We also recommend the guests to arrange medical and personal insurance in order to cover any medical expenses, loss of personal belongings, or other similar travel mishaps. Guests agree both Vino Tours and more and any local partner operators are not liable for any of such unforeseen circumstances, and hold both parties harmless. All claims to reimbursements for insurance must go directly through the insurance provider, and not through Vino Tours and more or its affiliates.
All reservation can be done by e-mail (firstname.lastname@example.com) or telephone/Whatsapp (+358 (0) 40 705 2203). You can also use the contact form found on our website.
Vino Tours and more will send an invoice of the excursion in advance when the tour is booked. The tour must be payed latest one week before the excursion.
Cancellations and refunds
Cancellations with full refund must be made latest one week (7 days) before the tour. After 7 days, 50% of the tour will be returned. If the cancellation is made less than 48h prior the tour, the whole price will be charged.
All tours are held rain or shine. We recommend you to check the weather forecast to get help you choosing your shoes and other gear.
Your opinion is important to us!
Please let us know, whether you were satisfied with the tour or if there was something that we could possibly improve in the future. Please contact us by e-mail firstname.lastname@example.com


text: Muneeb Qadar 11 September 2017 Categories Search Marketing, Social Media Share: How to Make the Most of Facebook Ads for Your Small Business Believe it or not, almost every business owner tries to implement Facebook Ads in their marketing strategy to increase brand awareness. With more than 2 billion monthly active users, there is every type of consumer market present on Facebook. Facebook ad targeting allows digital marketers to access data of any type of audience. This social media network is too big and small business owners can't afford to ignore the amazing opportunity Facebook ads provide. But there are some novice advertisers who think that figuring out the basics of Facebook marketing is quite easy and simple; however, it is not exactly the case. You need a careful planning and strategic approach in order to generate significant sales via Facebook ads. 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text:
This Week At The New Beverly
Our full November / December calendar is online!
Our full November / December calendar is online!
Friday & Saturday November 6 & 7
The Restored Director's Cut Of
Betty Blue aka 37°2 le matin
1986, France, 185 minutes
dir. Jean-Jacques Beineix, starring Béatrice Dalle, Jean-Hugues Anglade, Gérard Darmon, Consuelo De Haviland
Fri: 8:00; Sat: 4:00 & 8:00, Watch The Trailer!
Nominated for Best Foreign Language Film Academy Award & Golden Globe. Nominated for 9 César Awards.
Beineix's camera captures the couple's symbolic struggles with perpetually effective angles and color schemes, and he adroitly realizes clever cinematic gestures that would melt in the hands of amateurs - Slant Magazine
Friday November 6
The Grindhouse Film Festival presents
Director Lee Demarbre & star David Hess will appear IN PERSON, schedules permitting, to discuss the film!
Smash Cut
2009, Canada
dir. Lee Demarbre, starring David Hess, Sasha Grey, Jesse Buck, Michael Berryman, Ray Sager, Herschell Gordon Lewis
11:59pm, All Tickets $7, Watch The Trailer!
Look out for one of the best opening credit sequences in recent memory, some interesting art direction, and an incredible score, making it worth the watch for fans of exploitation cinema.
- Sound On Sight
For more information, please visit www.myspace.com/grindhouse
Saturday November 7
Amoeba Music & Phil Blankenship present
New Beverly Midnights
Actress Jenette Goldstein IN PERSON, schedule permitting, to discuss the movie!
Near Dark
1987, USA, 94 minutes
dir. Kathryn Bigelow, starring Adrian Pasdar, Jenny Wright, Lance Henriksen, Bill Paxton, Jenette Goldstein, Tim Thomerson
11:59pm, All Tickets $7, Watch The Trailer!
Bigelow has cross-bred vampire legends, westerns and biker movies to arrive at a combination that's both outrageous and poetic; it has extravagant, bloody thrills plus something else -- something that comes close to genuine emotion.
- Hal Hinson, Washington Post
For more information, please visit www.newbeverlymidnights.com
Sunday & Monday November 8 & 9
A James Caan double bill
1981, USA, 122 minutes
dir. Michael Mann, music by Tangerine Dream
starring James Caan, Tuesday Weld, Willie Nelson, James Belushi, Robert Prosky, Dennis Farina
Sun: 3:00 & 7:30; Mon: 7:30, Watch The Trailer!
Michael Mann's "Thief" is a film of style, substance, and violently felt emotion, all wrapped up in one of the most intelligent thrillers I've seen. It's one of those films where you feel the authority right away: This movie knows its characters, knows its story, and knows exactly how it wants to tell us about them. At a time when thrillers have been devalued by the routine repetition of the same dumb chases, sex scenes, and gunfights, "Thief" is completely out of the ordinary. - Roger Ebert
- plus on the same bill -
The Gambler
1974, USA, 111 minutes
directed by Karel Reisz, written by James Toback
starring James Caan, Paul Sorvino, Lauren Hutton, Burt Young
Sun: 5:20 & 9:50; Mon: 9:50
The Gambler is a compelling and effective film. - Variety
Tuesday November 10
Theater Closed For Private Screening
Wednesday & Thursday November 11 & 12
Two by Bobcat Goldthwait
World's Greatest Dad
2009, USA, 99 minutes
written & directed by Bobcat Goldthwait, starring Robin Williams, Alexie Gilmore, Daryl Sabara, Michael Thomas Moore
7:30, Watch The Trailer!
World's Greatest Dad, Bobcat Goldthwait's latest garishly potty-mouthed and over-the-top black comedy, blows up every rule of taste, good cinema, and common sense, and somehow gets away with it. - Owen Gleiberman, Entertainment Weekly
- plus on the same bill -
Shakes The Clown
1991, USA, 87 minutes
written & directed by Bobcat Goldthwait, starring Bobcat Goldthwait, Julie Brown, Bruce Baum, Steve Bean
If you're a fan of clowns and their relentlessly stupid theatrics, this film may not exactly be what you bargained for, but if you don't mind a little scotch and water with your squirting flower, Shakes the Clown is a wonderfully weird two hours.
- Marc Savlov, The Austin Chronicle
Coming Soon:
14: Stuart Gordon's Re-Animator
15&16: Sidney Poitier in In the Heat of the Night & The Defiant Ones
17: Grindhouse Film Fest w/ Unholy Rollers & The Roommates
19-21: Krzysztof Kieslowski's White & Red
21: Mike Judge's rarely screened Idiocracy
22-24: Asphalt Jungle & Armored Car Robbery
27 & 28: The Best Years Of Our Lives
18 & 19: New Prints of Rarely Screened Billy Wilder Films: Five Graves to Cairo & The Emperor Waltz
20-22: Rolling Thunder & Death Wish 3
25&26: The Muppet Christmas Carol & The Muppets Take Manhattan
Schedule subject to change


text:
2007 Toyota Scion Xa Vehicle Speed Control,cruise Control Recall | Jan 18, 2007
Certain Rostra Cruise Controls, P/nos. 00012-x0486-01, 00015-x0486-01, 00012-x0486-21, 00016-79910, 00016-79910-01, And 250-1755, Installed As Original Equipment On My 2006-2007 Gulf States Toyota And Southeast Toyota Scion Vehicles And Also Sold As Aftermarket Equipment. The Cruise Control May Not Return To Idle When The On/off Switch Is Pressed For The First Time.
Failure To Release The Throttle When The Cruise Control Is Turned Off Could Result In A Vehicle Crash.
Summary Of Corrective Actions Taken: The Vehicle Manufacturers Will Notify Their Owners And Replace The Cruise Control Free Of Charge. Rostra Will Notify Purchasers Of The Atermarket Cruise Controls And Replace The Units Free Of Charge. The Recall Began On February 13, 2007. Owners Can Contact Rostra At 910-291-2538.
Customers May Contact The National Highway Traffic Safety Administration's Vehicle Safety Hotline At 1-888-327-4236 (tty: 1-800-424-9153); Or Go To Http://www.safercar.gov.
This recall was issued on Jan 18, 2007 for 2007 Toyota Scion Xa, manufactured by ROSTRA PRECISION CONTROLS, INC., in response to Vehicle Speed Control,cruise Control problems.


text:
It seems like summer is hanging on with a vengeance. In spite of that, I'm cooking soups, stews and pumpkin everything! I keep hoping if it smells like fall in my kitchen then it will bring the temperatures down and make the leaves change a little faster.
This butter is from The Vegan Slow Cooker and is a combo of pear, apple and pumpkin butter all cooked down in the slow cooker (with spices) to make a thick autumn spread. I use brown sugar and agave to sweeten mine, but you can use your favorite sweetener, to taste.
I haven't been doing much preserving at all this year, but Food in Jars Small Batch Red Pear Lavender Jam is next on my list – you might want to put it on yours too.
Slow Cooker Fall Harvest Butter from The Vegan Slow Cooker
- 6 large pears peeled, cored, and chopped
- 4 large apples or about 6 medium ones, peeled, cored, and chopped
- 2 cups 300 g cubed fresh pumpkin or butternut squash
- Juice of 2 lemons
- 1 ⁄2 cup 115 g packed brown sugar (you can substitute
- 1 ⁄2 cup [120 ml] agave nectar or maple syrup)
- 1 teaspoon cinnamon
- 1 ⁄2 teaspoon allspice
- 1 ⁄2 teaspoon cardamom
- 1 ⁄2 teaspoon ground ginger
- 1 ⁄4 teaspoon ground cloves
- Oil the crock of your slow cooker. Combine all the ingredients in the slow cooker. Prop the lid open by placing the thin edge of a wooden spoon handle lengthwise across the crock. This will allow the liquid to evaporate.
- Cook on low for 8 to 10 hours, until most of the liquid has evaporated.
- Purée the mixture in batches using an immersion blender or a countertop blender.
- Let cool completely.
- Transfer to freezer bags or special freezer containers for preserves.
- Store in the freezer for 3 to 4 months.


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1-Hammer Creek – Consistent gelding just missed to Haveoneforme with a great drive by Vinnie Ginsberg, post improves his chances, but his one for 26 record is a concern
7-Haveoneforme – Kadabra filly lived up to the tote hype & tripped out to win her long-awaited opener for Nifty Norman, the post is tougher now, but the obvious upside is there
3-Dover Dony – Trotted a strong back half to hit the board from post eight in a solid Big M debut, moves inside to build on that with a better stalking trip imminent, yet you're looking at 1 for 28
1-Arrakis – Drops back a notch off a strong :27.1 finish, while coming off a nice rally to upset two starts back, back on the rail to stalk within striking distance
4-In Secret – Part of the unprecedented Gingras-Burke rampage last weekend, romped fresh off the bench as the heavy favorite & draws inside to step up further
5-Zlatan – Looks ready for his return from the double whammy lame-sick scratch, was previously doing good work & won the qualifier with authority, lands in an ideal midpack stalking spot
1-Backseat Terror – 0 for 23, but gaining form & confidence, just missed to the heavy favorite Parkin In Heaven last out, draws the rail again & worth a swing
6-Well Said Maria – Recent Burke acquisition got her act together to win her latest qualifier with front end confidence & held on in :27.3, lands in a camera shy field
10-Parkin In Heaven – Closed from last in a crisp :26.4 against a pretty salty group last week, draws farther out, yet remains a threat with the right set up
5-Illinimight – Rallied from a tough spot to score a mild upset two starts back fro Team Orange Crush, then wasn't heard from in a no-chance mile, draws an improved post here
1-Bell A Chik – Rebounded with another solid rally to grab second despite being pace compromised last week & lands to rail to set up another smooth stalking trip
3-Montalbano Bi – Beaten favorite was inexplicably hustled to the front & faltered last week, Team Harmon horse-for-the-course draws better in another really soft match up
6-Magnum Mike – Dropped to the $7,500 level & crushed first over second time Lasix, big threat to repeat despite the bump up in price, a 1:51.4 winner here in mid-November
4-Master Of Puppets – Tripped out & romped to an overdue win & upset last week, comes right back with a slightly better post & retains Corey Callahan
1-Four Staces – Has disappointed the chalk players in his last three, clearly didn't have the same pop last week, moves inside fresh off a claim, 1:51.4 winner back on 1-4 has license to rebound
4-Tag Up And Go – Emerged from a shuffle & runner up to heavy favorite In Secret last week, just missed with a huge rally before that, classy 9YO gathering momentum & draws inside again
5-Di Oggi – Made his Ake Svanstedt debut off a strong winning qualifier & flew home for second after plenty of road trouble as the beaten favorite, big threat despite the bump up in class
8-Hammer Time – Runner up to a couple of standouts in his last two after kicking off his season with a gusty win, moves outside, yet still a steady, improving 5YO
6-Cash Me Out – Bounced back off a break with a sharp second to Misslarose with trot at both ends, live item would benefit with stronger fractions likely in this competitive match up
9-Trolley – Comeback gelding has won three of his last four Preferreds, on the shelf for three weeks, that doesn't adversely affect him, yet post eight will test his talent
8-Misslarose – Fresh Team Burke mare able to steal a :58.1 half & held off Cash Me Out to repeat last week, now tackles post eight & Preferred level, yet could prove troublesome
8-Seaswift Joy N – Another downunder import who debuted here on Lasix & flew home in :26.2 to just miss to the classy Diva's Image last week, rates top billing despite an outside assignment
6-January A – Fresh off an impressive first over nose loss to Bettim Jackie in her US debut for Team Harmon, double class hike & tougher post, but looms large off that initial effort here
7-Bettim Jackie – Sparkling Burke debut when she was able to pounce off a soft :58.1 half & hold off January A, stiffer test here, yet she was a winning machine in the Maritimes & Ontario
2-Lucrative Son – Certainly not the most reliable tool in the shed recently, but the qualifier stands out, he draws inside & only needs to get away smoothly to create a wire-to-wire possibility
1-Downundermatter – Just one for 24 last year, yet gradually ramping up since the mid-December sick scratch, beaten favorite beat these back on 12-27 & was DQed for pylon violation
8-P L Ketchup – $22,000 Mixed Sale purchase just one for 18 last season, Ontario shipper draws a tough post, but lands in the red-hot Jennifer Bongiorno barn
3-The Spinster N – Downunder import added Lasix & tripped out to a new mark of 1:54, just missed to a sharp Stormtracker at this level back on 12-28 & draws well again
2-Big Lis – Almost wired them to repeat from post ten & nailed by the trip-sitting The Spinster N, moves inside third time Lasix for a high percentage barn
1-Stylish Beachwhere – Forced wide from a tough spot & settled for fourth again, just three for her last 35 & hasn't raced in three weeks, but gets another shot at a soft N/W $8,500
3-Windsun Missile – That was an amazing turnaround effort & win as he switched to Andy Miller & steamrolled first over to upset favorite Can Do, steps up into a blank field & gets post three again
1-Big Expense – On the fringe fifth in his last two here against tougher, now acclimated & drops with the rail, has a big chance to trip out & exploit this soft spot
6-Can'tcutthatchip – Rallied to win his last start here back on 12-20 at the bottom level, has missed a few weeks off a sick scratch, yet may surprise these for Team Harmon
9-Pennant Seelster – Has hit the board in both starts for his new barn since shipping south, just missed to a standout Bizet last week, moves outside, but continues to improve
1-Chief Justice – Added trotting hopples, controlled a slow pace & held on for a deadheat with Alvisi Hanover, Burke trainee draws inside that rival & builds on that confidence-building score
8-Alvisi Hanover – Left alertly to sit a pocket behind Chief Justice & surged for the deadheat last week, draws farther outside, yet remains a big factor
2-Abbeylara – Pace & trip compromised in his last few, G Notes winner back in mid-December retains Gingras & draws inside to set up a stalk n pop strategy
1-Spanish Art – Draws the rail on a form spree with narrow losses in his last two as the beaten heavy favorite, tough to go against this 1:52.1 winner back on 12-27
4-Just N Berlander – Rallied to blow up the board two starts back, then forced into a first over grind last week, draws inside again to play an opportunist role
Meadowlands Racing & Entertainment - 1 Racetrack Drive - East Rutherford, NJ 07073 - Call us at (201) THE-BIGM
If you are vision impaired or have some other impairment covered by the Americans with Disabilities Act or a similar law, and you wish to discuss potential accommodations related to using this website, please contact email@example.com
©2019 New Meadowlands Racetrack, LLC. All rights reserved. Gambling Problem? Call 800-GAMBLER


text:
How Big Is Walther's Behavioral Oncology Funding?/
Cancer treatment is notoriously difficult for patients. Whether curative or just pallative, radiation and chemotherapy can have such severe side effects that patients may opt to forego them entirely. For those who choose to fight, scientists and doctors are looking for new ways to approach treatment.
The Behavioral Cooperative Oncology Group (BCOG) is an interdisciplinary consortium formed by the Walther Cancer Foundation, which funds programs that address the psychological effects of cancer and cancer treatment. (See Walther Cancer Foundation: Grants for Disease.) The BCOG focuses on the field of behavioral or "psycho-"oncology, which encompasses the potential behavioral causes of cancer as well as its effects.
The Walther Foundation gave more than $1.3 million to create BCOG, which includes scientists from Indiana University, Ohio State University, Michigan State University, and the University of Michigan. The money goes to fellowships for predoctoral students, research and training, and an annual colloquium and a scientific retreat.
In 2012, the Walter Foundation contributed more than $20 million to cancer-related causes. All of that money went to universities in the Midwest, and much of it went to recruitment programs. For example, the foundation contributed some $400,000 over five years to fund a new position — a director of pediatric neuro-oncology — at the Riley Hospital for Children in Indianapolis. And $2.1 million went to Purdue to hire a cancer-focused structural biologist to work in the university's Cancer Center.
The foundation also funds research, although often that research is aimed less at cells and more at spirits. Dr. Susan Hickman of Indiana University received more than $200,000 from Walther to study the decision-making process of the family members of older patients who have incurable cancer. Crucial decisions about whether or not to pursue treatment (and how aggressively to pursue it) are not always made with the best information at hand, and Dr. Hickman will investigate how this process succeeds or fails.
If you're hoping to attract funding from the Walther Foundation, you'll have to rely on a relationship with one of the Midwest's aforementioned universities. And like many charitable foundations hard-hit by the financial crisis, Walther is not currently accepting unsolicited grant applications. But the organization's large endowment and focused interest should make it easy for those involved in behavioral oncology to attract Walther's attention.


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Blacklist is the second book in the Beautiful Idols YA series about shallow fame seekers fighting to win a coveted job in Los Angeles. See my review of Unrivalled if you want to catch up quickly.
Starting exactly where the first book left off Madison Brooks is still missing and the weight of evidence seems to be pointing to an abduction or, more seriously, murder. Aster has been jailed and is facing charges of first degree murder.
The only thing that kept me reading was the faint hope that there might be some clue as to what had happened to Madison. There is not one likeable character between the covers of the book. Male model and surf dude Mateo constantly making the wrong choices. Guitar hero Tommy is desperate to make a name for himself before he reveals himself to father Ira. Spoilt princess Aster brought down to earth with a bump in prison. Layla dithering between her blog and her job.
Ultimately this is all a bit unsatisfying in that the plot doesn't move on dramatically from what we learnt in the first book. We discover a bit more about Madison and a lot of beautiful characters pout and whine but nothing really happens. Like all trilogies you have to wait for the final book for any of the threads to be resolved.
The best thing about Blacklist is that if you punch all of the chapter headings into Apple Music or Spotify you can create yourself a pretty kickass playlist. So load up the music on your phone and lay back in the sunshine and suspend all rational sensibilities while you read the book.
Supplied by Net Galley and HQ in exchange for an honest review.
UK Publication Date: Apr 4 2017. 448 pages.


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Maryland State Arts Councilors
The Maryland State Arts Council comprises an appointed body of 17 citizens from across the state, 13 of whom are named by the Governor to three-year terms that may be renewed once. Two private citizens and two legislators are appointed by the President of the Senate and by the Speaker of the House. Maryland's nonprofit arts organizations benefit from the expertise of this diverse group of leaders that drive the strategic direction of MSAC programs and funding.
John (Jack) RasmussenChairMontgomery County
A native of Seattle, Jack Rasmussen earned his BA in Art from Whitman College in Walla Walla, WA, before moving to Washington, DC, and completing an MFA in Painting, MA in Arts Management, and MA and PhD in Anthropology at American University. He worked in the Education Department of the National Gallery of Art before becoming the Assistant Director of the Washington... Read More
Julie MaddenVice ChairHoward County
Julia (Julie) Madden is a lifelong arts activist and supporter who, in addition to the Maryland State Arts Council serves on the boards of the Maryland Citizens for the Arts, the Maryland Humanities, the Commission on Artistic Property, the Maryland Historical Society, the World War 1 Centennial Commission, as well as the Walters Art Museum and Baltimore Museum of Art (... Read More
Gary VikanBaltimore City
Gary Vikan was named Director of the Walters Art Museum in 1994 after serving as the museum's Assistant Director for Curatorial Affairs and Curator of Medieval Art since 1985; he stepped down from that position in June of 2013. Before coming to the Walters, Dr. Vikan was Senior Associate for Byzantine Art Studies at Dumbarton Oaks in Washington, DC. A native of Minnesota, he received his B.A.... Read More
Carole AlexanderAnne Arundel County
Carole Alexander is a resident of Annapolis, Maryland and formerly of Prince George's County. She has been active in arts advocacy for the last twenty years. She is an independent consultant specializing in creative special events, marketing, fundraising and community outreach. Carole attributes her professional successes to serving with creative people on numerous boards, including the... Read More
Shelley MorhaimBaltimore County
Shelley Morhaim was appointed to the Maryland State Arts Council in July 2013. She is a writer and filmmaker. Among her credits are the award-winning documentary The Next Industrial Revolution and the Arts Education in Maryland Schools (AEMS) film Hard Fun: Transforming American Education Through the Arts. Morhaim has served on the boards of the Baltimore Jewish Council, the... Read More
Senator Richard S. Madaleno, Jr.Montgomery County
Richard Madaleno represents Maryland's 18th Legislative District (which includes Kensington, Wheaton, and Chevy Chase, as well as parts of Silver Spring, Rockville, and Bethesda) in the Maryland State Senate. He is currently serving his second term in the State Senate (elected in 2006 and 2010), having first been elected in 2002 to serve a four year term in the House of Delegates. Senator... Read More
Carla Du PreeHoward County
Carla Du Pree is the Executive Director of CityLit Baltimore. Carla is a fiction writer, literary consultant, state arts ambassador, and speaker.
In 2012 she was appointed to the Maryland State Arts Council (MSAC) and serves as the Chair of the Diversity Outreach Committee. She's currently on the One Maryland One Book Selection Committee, and has served as a county and state judge for... Read More
Anthony CornwellAllegany County
Anthony Cornwell is owner of Cornwell Remodeling and Restoration He is an artist making mixed media sculptural faces from found items: pulleys, flashlights, and antique hardware and farm tools.
Joan M.G. LyonGarrett County
Joan Lyon is an active supporter of the arts; she is a member of the Garrett County Arts Council and is currently serving her second term as President of its Board of Directors. Lyon also volunteers as a ceramics assistant/mentor in the Art Department at Garrett College.
Delegate Alonzo WashingtonPrince George's County
Delegate Alonzo T. Washington represents District 22 in Prince George's County. Del. Washington has been a member of the House since December 2012. He is the Deputy Majority Whip, serves on the Ways and Means Committee, Joint Committee on Children, Youth and Families, Joint Committee on Federal Relations, Joint Committee on the Management of Public Funds, and is a member of various committees... Read More
Zoë CharltonBaltimore City
Zoë Charlton received her MFA degree from the University of Texas at Austin. Her work has been included in national and international exhibitions including the Harvey B. Gantt Center (Charlotte, NC, 2015), Crystal Bridges Museum of American Art (Bentonville, AR, 2014), Studio Museum of Harlem (NYC, NY, 2012), Contemporary Art Museum (Houston, TX, 2000), the Zacheta National Gallery of Art (... Read More
Lily BengfortQueen Anne's County
Lily Bengfort is an award winning entrepreneur who has co-founded and built two successful firms, both of which were acquired by larger companies. Lily attributes her entrepreneurial successes to innovative and creative partners in business and colleagues on numerous Boards. Currently, Lily is President of UAS Safeflight Inc, a company developing communications technologies for Unmanned... Read More
BG MuhnMontgomery County
Professor BG Muhn is a visual artist and teaches paintings in the Department of Art and Art History at Georgetown University. He has also achieved substantial and noteworthy professional recognition through solo exhibitions in venues such as Stux Gallery in Chelsea in New York City, Ilmin Museum of Art in Seoul and the American University Museum in Washington, DC. Through his professional... Read More
Jacqueline CopelandBaltimore County
Jacqueline Copeland has a lifelong passion for art, culture and history. Copeland has served as a senior museum professional for nearly 30 years at the Walker Art Center, Minneapolis, MN and the Walters Art Museum, Baltimore, MD, where she worked for 15 years. At the Walters where she served as Director of Education and Deputy Director of Audience Engagement, she led the Education Division... Read More
Timothy L. AppBaltimore City
Timothy App received a BFA from Kent State University and an MFA from Tyler School of Art. He has taught painting and drawing at MICA since 1990 at both the undergraduate and graduate levels. He is a recipient of a National Endowment for the Arts fellowship in painting and an individual artist's grant from the Maryland State Arts Council. In addition to his painting and teaching, he has... Read More


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Shannon Cusello has long been one of my favorite friends and style muses in the District, so I was elated when my editor at Refinery29 told me that we'd be featuring her in our Real Girl Real Beauty column. We had a blast eating little mini quiches, raspberries, and photo shooting a lazy Sunday away! You can check out the full feature HERE, and some of my favorite photos from the shoot here. Keep an eye out for the perfectly sweet postcard on her fridge from her rocker boo Rory, the editor Holly and I swooned over it!
Happy Tuesday!


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Fast Track to Yachtmaster Offshore Sail
If you have the desire to change your lifestyle and become a Yachtmaster then you are on the right page. This fully inclusive course is perfect if you want to Fast Track your way to a new career in the maritime industry or indeed be the very best you can be as a professional leisure sailor and in both cases realise your ambition to take to the water and explore the world.
- 4:1 sailing ratio (4 students & 1 instructor per yacht)
- Train on new 2016 model yachts & others
- Study & relax in our 24 hour facility
- Be taught by mostly Yachtmaster Instructors
- Extra training guarantee of up to 3 weeks free
- 17 years of Fast Track success
- Train with the best to be the best
With Allabroad you will succeed
By choosing Allabroad Sailing Academy for your Professional Fast Track course you are buying into our 17 years of Fast Track training success. You will benefit from sailing our new 2016 model Jeanneau sailing yachts along with different models in our fleet and will have the full use of the shorebased training and relaxation facilities by personal keycode acess 24 hours a day whilst in our training base. Our Instructional team are also very experienced and dedicated to seeing you achieve your goals; many of our instructors have been with us for many years and do so because they share our passion for standards with a measure of good fun too. This means you will be trained by predominantly senior instructors at Yachtmaster Instructor or Yachtmaster Examiner level, this means you will succeed.
RYA and MCA Recognition
Joining a training center that has duel RYA and MCA status means that you benefit from the higher quality standards that are expected and regularly audited by the MCA. These include full time accessible training rooms that meet training standards for design, size and technology. You will not be training in an ad hoc hired room or somones apartment or house with Allabroad, you will be in our dedicated facility in the heart of the marina for which you have 24 hour key code access for extra study or relaxation.
Plus with the addition of the STCW endorsement, which comes as standard in our full package, your Yachtmaster Offshore has a wider acceptance outside of British waters, on a wider range of flagged vessels and gives you a wider variety of employment opportunities including Superyachts for example. Without the STCW endorsment some maritime authorities outside of British waters may not accept your certification for commercial use.
Training Guarantee
We've been running Fast Track sailing courses for 16 years now and this is the expertise that you are buying into. We take our responsibility to you personally and do adapt the course to the group and also your individual changing training needs. We understand that sometimes exam nerves can get the better of even the strongest of candidates, and not everyone is ready in 15 weeks, some do need a little longer. With Allabroad we offer up to three additional weeks training at no extra charge. The full 15 week course qualifies for this extra training guarantee and also the 14 week course where the STCW commercial element is not required for the pure leisure sailor for example.
Time and money investment takes consideration
We do appreciate fully that committing to this course is not only a big investment in your time, which is most valuable since it can never be replaced, but also it's a big investment in funds too. We've always made our pricing competitive in terms of the package and also that it really is fully inclusive of all the elements you need to be a Commercial Yachtmaster Offshore and a great deal more too. We are open and upfront that you will need to bring spending money for your personal entertainment ashore and also your personal laundry requirements.
We ask that a deposit is secured of £950 and then the balance is to be received by the end of the second week of your course. We've done this to change industry standards and stop other clients being 'locked into' unsuitable providers who've got them tied in with full payments months before and the reality of the actual facilities doesn't meet the online portrayal for example. We welcome you to come and tour the facilities and meet the team and current crews at any time. We are open seven days a week so drop by to reception when it suits.
Fast Track Course Schedule:
1800 start on the first Sunday. A full schedule is given in the first week, which follows our trusted framework of activities mixing between shore-based events, distance sailing and honing fine skills on skills and drills development weeks. This is a full time course; it is not a walk in the park but it is fun too. You will look back on this adventure and achievement as one of the best things you've done, seriously we have had many clients testify to this statement over the last sixteen years. You will have on average a day off per week, sometimes a full free weekend and sometimes you'll be exploring another country stopping off on route to explore ashore. Fast Track Yachtmaster Blog Jan 2017 gives a really good insight into the course with a week by week account of the course run in January 2017.
Course Dates 2019:
If the dates below do not fit with your schedule. There is a flexibility of a couple of weeks in these dates and more so do let us know when YOU want to start and we will check if this works. Our October and November courses have a break for the Christmas and New Year holidays, starting back the first Sunday in January.
2019 Fast Track Yachtmaster
- JULY 7th 2019
- AUGUST 4th 2019
- SEPTEMBER 1st 2019
- OCTOBER 6th 2019
- NOVEMBER 3rd 2019
Course Dates 2020:
Courses are open for booking for 2020 dates, in fact we can let you know the 2021 dates too if you have a longer term plan and want to ensure you get a place. Since our first Fast Track Sail course in 2002 we've stuck to the same start pattern. Our October and November courses have a break for the Christmas and New Year holidays, starting back the first Sunday in January.
2020 Fast Track Yachtmaster
- JANUARY 5th 2020
- FEBRUARY 2nd 2020
- MARCH 1st 2020
- APRIL 5th 2020
- MAY 3rd 2020
- JUNE 7th 2020
- JULY 5th 2020
- AUGUST 2nd 2020
- SEPTEMBER 6th 2020
- OCTOBER 4th 2020
- NOVEMBER 1st 2020
What's Included:
- All accommodation throughout
- All meals throughout the course,
- All 2500nm tidal experience
- The required 60nm passages
- Days at sea, as skipper & night hours
Navigation Modules
- Navigation Foundations
- Coastal Skipper & Yachtmaster Theory
- Weather
- Passage Planning
Short courses include:
- VHF (including GMDSS)
- RYA Diesel Engine
- RYA Radar
- STCW Elementary First Aid
Workshops & Exam Fees included:
- Basic Systems and Maintenance
- Knots and Splicing
- Winch Servicing
- Electrical Systems
- Fibreglass Repair and Gel Coat Care
- SRC VHF License fee of £60 included
- Yachtmaster Offshore exam fee of £215 included
- Up to 3 weeks free trianing including another exam fee
Full Comercial STCW 15 week includes:
- Powerboat Level 2
- STCW Personal Survival Techniques
- STCW Fire Prevention & Fire Fighting
- STCW Security Awareness
- MCA Accepted Food Hygiene Level 2 (added to 2019 courses)
- ENG1 Medical
- RYA PPR Online Study Course
- CV & cover letter individual support
- Commercial Endorsement fee of £34 included
Course price fully inclusive 15 weeks Commercial:
- £8995
Course price fully inclusive 14 weeks non commercial:
- £8650
The next course:
The Yachtmaster Offshore can be seen as a starting point to many alternative avenues. You may decide to become dual qualified by doing your Sail to Motor conversion course. You may decide to become an Instructor on the Cruising Instructor course or you may have an interest in becoming Ocean Yachtmaster. All additional modules come at beneficial rates to our valued Fast Track family.
How to Reserve Your Place:
Reserve your place for 24 hours by email email@example.com or call our team in our Gibraltar reception on either number; Gibraltar landline 00350 200 50202 or our UK Mobile 0044 7872 223325 which is also set up for Viber and WhatsApp messaging services. To confirm your place we require a £950 deposit with the full balance to be received by the end of the second week. We can accept payments by card and direct bank transfers in GBP, EURO, USD or CAD - just ask for further details.


text: Jessie Jordan Jewelry | Chloe Giancola Photography | Athens GA Wedding Photographer Chloe Giancola September 3, 2014 Recently I photographed Jessie Jordan Jewelry's new wedding band collection and a few other beautiful pieces! I wanted to share some of my favorites on the blog today! If you are looking for unique wedding bands, or something custom check her out at www.jessiejordanjewelry.com


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What it's like to be a digital marketer on the other side of the world
From Amsterdam to Vietnam: A Q&A with Tessa Leenders
Tessa Leenders is a social media marketer who currently lives and works in Fusion Maia resort in Da Nang, Vietnam. Follow her adventures on Instagram!
Where were you before?
I worked in Amsterdam but I lived in Utrecht, a city 30 minutes from there.
What made you decide to move?
Since I had been working for the same company for more then 2 years, I became a bit restless. I was playing with some ideas in my mind what my next career step would be. They were basically all focused on Amsterdam.
Then I saw Jobbatical, and I thought,
"OK, if there is one phase in my life I can make decisions like this, leave everything behind, it's now. I'm 27, I don't have a boyfriend, I don't have children, so let's go for it."
Why Vietnam?
If people ask me that, "How did you end up there? What brought you there?" I just say, through Facebook targeting. Because I saw your ad on my timeline I was curious, so I just clicked on it, and then I saw "Get Social in Vietnam!" on the website and I clicked on that one as well. It kind of got stuck in my head.
Vietnam was on my bucket list because all the people I met while traveling told me that Vietnam is one of the best places to visit. People who are traveling often prefer Hoi An to Da Nang. I go there in the weekends. It's my weekend hangout.
How is the cost of living in Da Nang?
It's definitely affordable! For things like food, it's cheap, but if you're looking for Western products it's more expensive than back home. I think in most countries, if you just buy local products, go to local markets, it's cheap to live here. But if you want the same stuff you get back home, nice clothes and perfumes or Western food, you pay more than back home.
But I really like spicy local food so I'm good here. When I just arrived I had the pleasure to meet my food companions — The eating nomads — they showed me all the good spots!
How does it feel having left home?
I am sure that I made a good decision. I was ready for something different. Last year was hard on a personal level, and there is less pressure on me now.
In the area where I worked in — advertising — it's kind of a crazy business. You just go with it day by day. Now I am able to take more opportunities to develop and challenge myself.
So the work culture is quite different in Vietnam?
Of course there are differences. But it's not easy to tell from my point of view if they are cultural or based on the fact that I moved from automotive to hospitality. I love the fact that Vietnamese people are straightforward, they value people who are 'real' and 'honest'. I share the same values.
And their work ethic is pretty good. They work hard, and they're dedicated. I think in the beginning they're not really out there but once they're comfortable with you being there, they open up!
What's it like to work in such an international environment?
It sure is interesting! You can learn a lot from that. At Fusion Maia we have a lot of different cultures. Our General Manager is from South Africa, and two of my direct colleagues are from France and Japan.
And of course I speak to the guests on a daily basis as well. One day I get to talk to people from America and the next Germany and Korea, so I'm meeting a lot of different people every week.
I think if you just work at the same company with the same people, you take some things for granted. You're used to doing things in a certain way. Here I had to take a few steps back and give them the time to adapt to my ways of working. Sometimes you're taking a bit, other days you give a bit, and you will meet each other in-between. In my opinion an important balance in every team wherever in the world!
Does the language barrier play a role in communication?
Of course! English is my second language as well — it's not my mother tongue — so for most of the people who work here, English is not their main language. You get in funny situations. Once in a while you need to take a bit more time to get things done. Don't get frustrated too easy, because it works the other way around as well, since I don't speak Vietnamese.
At the end if things go a bit differently, we all just laugh about it.
Any advice for the aspiring jobbaticlers out there?
If you're thinking about it, just go for it. Don't think too much. You can solve basically everything. You can go back. I booked a one-way ticket. I told my friend at the airport, "Maybe I'm back next month, or six months, maybe a year."
But if you don't try, you don't know.
For those of you ready to try, discover some opportunities here! Or sign up to receive more inspiring stories from around the world 🙂


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