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Home >> Hard trek tours >> The North West Loops 06 Days 05 Nights
The North West Loops 06 Days 05 Nights
Travel by jeep and motorbike on the adventure of a lifetime, exploring the majestic limestone mountain ranges and picturesque terraced paddy fields of Vietnam's unspoiled north-east region.
Day 1 : Ha Noi – Ba Be ( 220 km) ( L / D )
This exotic tour in the north-east begins when you leave your hotel in Hanoi and drive through the undulating terrain of tea plantations to Thai Nguyen city. Stop off to visit the Museum of Ethnology. Lunch at the local restaurant. Then continue your journey through many other timeless villages dotted along the road which is the main artery of trade between the north-east region and the capital city. This will be your first glimpse of rural Vietnam and sets the tone for the days ahead. Arrive at Ba Be lakes at midday. After checking into your 'home stay' in Pac Ngoi village of the Tay people, you will have free time to explore. Dinner and stay overnight at your hotel of choice in Ba Be.
Day 2 : Ba Be Lake – Boating and Canoeing ( B / L / D )
After breakfast, spend the whole day at Ba Be lakes, one of the north-east region's premier beauty spots. Familiarize yourself with the techniques of canoeing, then transfer to a boat dock and glide serenely along the river and through a lovely cave. Enjoy lunch served near a beautiful waterfall. After lunch, you can canoe to your heart's content, navigating the tranquil Ba Be lakes. Alternatively, you can go swimming in the crystal-clear water or trekking to visit the ethnic minority villages. After dinner, get to know the friendly local people. Stay overnight at your home stay.
Day 3 : Ba Be – Cao Bang ( 90km ) ( B / L / D )
Following breakfast, leave Pac Ngoi village and Ba Be lakes and go for a 2-hour walk on a flat road through the beautiful National Park. Meet your driver at the center of the park. Then hit the road again for the 2.5 hour drive to Cao Bang, where the ethnic people of the H'Mong, Dzao, Tho and Nung tribes all live together in harmony. Arrive in Cao Bang at around 1.30pm. Have lunch and check into your hotel. In the afternoon, you are free to explore the town. Stay overnight at your hotel of choice in Cao Bang.
Day 4 : Cao Bang – Ban Gioc Waterfall ( 130km ) ( B / L / D )
Heading out of town, venture into the remote northern region of Cao Bang Province. The scenic roads traverse Trung Khanh before arriving at Ban Gioc Waterfall, the biggest waterfall in Vietnam (though not full of water in the dry season). Explore an enormous cave with two main entrances and one branch reaching almost all the way to the waterfall where there is a 'secret' entrance. On the way back, stop off to visit some more hill tribe villages and take pictures. Stay overnight at your hotel of choice in Dong Khe.
Day 5 : That Khe – Lang Son ( 160km) ( B / L / D )
Set off early in the morning to visit the historical cave of Pac Po where Ho Chi Minh set up his headquarters for the August 1945 Revolution. Then go on a half-day drive through the verdant and rugged mountain landscape with its picturesque patchwork of terraced rice fields and hill villages. Traverse Dong Khe and That Khe on your way to Lang Son. This border town was completely destroyed during the Sino-Vietnamese war but was subsequently rebuilt and is now an important trade center for the north-east region. Stay overnight at your hotel of choice in Lang Son.
Day 6 : Lang Son – Ha Noi ( 160km) ( B / L )
Visit the central market of Lang Son and the legendary Tam Thanh Cave before traveling by road back to Hanoi The journey is long and challenging at times as it takes you through many mountain areas. However, the breathtaking scenery is some of the best in Asia. En route, you will encounter many ethnic minority people going about their daily activities, such as logging, herding buffalo and tilling the fields. Arrive in Hanoi around 5pm. Our adventure ends at your hotel in Hanoi.
Price per person in US$
2 pax
3 - 4 pax
5 - 7 pax
8 - 10 pax
Standard Class
$ 593
$ 360
$ 345
$ 308
$ 68
(Seasonal prices apply and will be confirmed when booking! All rates are quoted in US$/person)
Tour price include:
- Pick up and transfer by private minivan or 4 wheel drive
- Meals as indicated in the tour program (B= Breakfast, L = Lunch, D = Dinner)
- Entrance fees
- Purified water
- Accommodation based on twin or double room share ( Standard hotel ** and home stay)
- English or French speaking guide
Tour price excludes:
- Travel insurance
- Drinks & other meals not mentioned in program
- Personal expenses
Kindly read these terms and conditions carefully . On booking online or signing on booking form when making reservation over the phone or by mail , you are deemed to have read and accepted our booking conditions and are accepting the term of these condition on behalf of all persons in the party .
These terms and conditions constitute an agreement with Sapaviewtours.com ( A division of Vietnam Charming Travel and Trade Co ., Ltd ) by entering the site you accept these terms and conditions.
Tour prices are net price and quoted in American dollar per person .
1. Credit card payment.
We accept all kind of cards : Visa , Master , American Express , JCB and Diner card .
Please note that there is 3% of the bank fee for Visa and Master card payment and 4% for the others .
2. Send money via Paypal .
When you receive our proposal with quotation , in the email body , you will see a link , click on it you will be taken to the secure Paypal website to make payment . If you are a Paypal member simply follow the usual system . If you are not member it is easy to join and it free .
If you already have a Paypal account , please pay us directly to firstname.lastname@example.com after logging in your account at http://www.paypal.com
Please note that Paypal fees will be charged on your account . It means you must add Paypal fees when you pay us through this secure Paypal system . ( You can consult details of Paypal fees on their website ) .
To reduce complication for you , our customers , we will count this fee and add when asking for your deposit or payment .
3. Send payment via Western Union.
Please use our information as below :
First name : THANH MAI
Last name : NGUYEN THI
Address : 12B/17 Ly Nam De Str , Hoan Kiem Dist , Hanoi City , Vietnam .
ID number : 0 1 1 9 4 0 5 6 5
Phone number : + 8 4 9 1 2 2 6 7 2 2 8
Then send us the Money Transfer Control Number ( MTCN ) and secret code ( if needed ) after your money sending..
4. Bank transfer and cash .
Except for cash payment , bank fee charge may apply ( any bank charge must be born by customers ) . Our bank account details are as follow :
Beneficiary name : NGUYEN THI THANH MAI
Beneficiary Account number : 1 2 1 4 1 2 9 8 9
Bank name : Asia Commercial Bank .
Bank swiff code or bank code for transfer : ASCB.VNVX.
Website : http://www.acb.com.vn
How to make reservation : Provide us name of service ( tour code or tour name ) and the information about you ( your full name , date of birth , nationality , your urgent contact phone number , number of people and departure date of the trip , number of days , your hotel name and address in Hanoi where we will pick you up for the trip if available ) then send to us via are below email address or fax to our sales office as our fax number : +84 437475486 ( international ) and 04 37475486 ( inside Vietnam ) . Email : email@example.com
Balance of payment :
- Balance of payment will be settled in Vietnam by you at least 07 working days ( seven working days ) prior to the departure time .
- Failure to pay in full by this due time may result in the cancellation of your booking followed by a penalty .
- For bookings made less than 10 days prior to the departure , full payment is required and are subject to the availability of the requested services .
Payment term .
All trips require a non-refundable deposit : 30% of total amount . The deposit will confirm your reservation until 30 days prior to trip departure , at which time the balance of the trip is due . If the balance is not paid in full by the due date , we will regard the booking as cancelled.
If unexpected circumambiency should arise and impact your holiday plans , we would be glad to assist you with the cancellation procedures and refund your money . Our rate of refund are derived from our supplier's requirements , and can be summarized as follows
• Cancellation by customer will be charge as follow :
+ More than 30 days before the beginning of the trip : 20% of the total trip cost .
+ 20 to 30 days before trip commencement : 35% of the total trip cost .
+ 14 to 20 days before the trip commencement : 50% of the total trip cost .
+ From 7 to 14 days before the trip commencement : 75% of the total trip cost .
+ No refund for cancellation 7 days before the commencement of the journey .
• Cancellation by Vietnam Charming Travel :
The contract between the services rendered by Vietnam Charming Travel may be cancelled by us for reasons related to a situation of force major , political , heath , natural disaster , plane , etc… In all such instances of cancellation , registrations are fully reimbursed , but can not claim any compensation .
Vietnam Charming Travel is committed to supporting the highest standard for the Fair Handling of Personal information . We recognize that some visitors to our website may have concerns about the information they provide to us and we treat that information .
This Privacy Policy has been developed to demonstrate to our valued client that we collect only the information necessary for our interaction with them and to fulfil their instruction to us . We are committed to the highest ethical standards in the collection , security and use of the information provided to us .
Voucher will be issued after the booked trip is confirmed and deposit is completed . A service voucher will be sent by mail or fax to customer .
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The North West Loops 07 days 06 nights


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Choosing a Charity
With thousands of charities to support, how do you choose which one or
two are most deserving of your support?
Whilst circumstances, like natural disasters, can dictate the target of one-off
donations, a little more thought needs to be given to any regular payments
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Sometimes choosing a charity occurs naturally. A medical charity has more
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a look through the following sites for ideas.
Choosing a Charity in your Country
The following sites provide comprehensive details of charities in their country:
Australia Charities
provides a comprehensive outline and contact point for the major Australian charitable organisations
United Kingdom
UK Charities is the
UK's leading directory for UK based Charities with a comprehensive
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Wikipedia -
listing of top 60 Canadian Charities, or search the complete database of 8000 charities at
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New Zealand
provides links and brief details of New Zealand charities. For a comprehensive listing of donee organizations, visit
South Africa
CharitySA - South Africa's charities listed in one place, without
favouring any type of cause above another.

subset: commoncrawl


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It was the underdog story that went far beyond sports and that made headlines in countries located all around the world. Leicester City, 5000-to-1 odds to win the Premier League and thought to be relegation candidates back in the summer of 2015, completed the impossible mission and won the England top-flight title for the 2015-16 campaign. Little Leicester are the champions of England, and they know that they will host at least a few Champions League matches come next spring. "Foxes never quit," goes the saying, and Leicester proved that to be true time and time again en route to becoming everybody's favorite underdogs.
Leicester may, depending on where you get your odds and stats, be mathematically the biggest underdogs to win something of merit in the history of professional sports. They are not alone, however, as it pertains to pulling off a surprising achievement. What has been called the biggest upset in the history of the Ultimate Fighting Championship occurred in August 2015. The 2016 Masters was the home of a shocking collapse that led to an underdog winning the title. As interesting as those events were to behold, none hold a candle to Leicester rising to and then remaining at the top of the Premier League table through May and the end of the season. We may never see another Leicester, so enjoy this one while you can.
10 New York Giants
Think back to February 2008 and to the mindsets of people who were not rooting for the New York Giants to defeat the New England Patriots at Super Bowl XLII. Big Blue was thought to be nothing more than the final hurdle in the way of the Patriots finishing 19-0 and becoming known as the greatest National Football League team in history. The Giants were not to be just footnotes in history on that famous Sunday evening, though, as New York held the high-powered New England offense to just 14 points. New York quarterback Eli Manning and wide receiver David Tyree hooked up for one of the greatest plays to ever occur at a Super Bowl, and the Giants defeated the Patriots for the first time on a Super Bowl Sunday.
9 Japan Rugby
It wasn't just believed that South Africa would take care of Japan during the 2015 Rugby World Cup, the match wasn't supposed to be all that close. Japan turned the sport on itself, however, when the country pulled off what Robert Kitson of The Guardian referred to as "the biggest shock in rugby history, bar none, the kind of result that creates ripples beyond mere sport." South Africa did well to rally back from that disappointing result and finish third in the competition, but that squad will also be remembered for being on the losing side of rugby's biggest stunner.
8 US Hockey
Do you believe in miracles? With those five words, sports fans throughout the United States began celebrating what will likely always be the greatest hockey victory in the history of the country. The Americans were supposed to be demolished by the USSR during the 1980 Winter Olympics, but the team of amateurs and college players stunned what some, before the Olympics, believed to be the best hockey team ever assembled. Documentaries and movies have been made about this accomplishment, and "The Miracle on Ice" is something that continues to be brought up during every hockey tournament that occurs at an Olympics.
7 Goran Ivanisevic
Goran Ivanisevic was not, per the world rankings, good enough to qualify for the 2001 Wimbledon tournament, and thus he needed a wildcard entry in order to play at tennis' hallowed ground. Ivanisevic notched win after win during the competition, and he completed the upset bid when he defeated Patrick Rafter in the Wimbledon Final. Ivanisevic is, as of May 2016, the lowest-seeded player to ever win Wimbledon, and he was the first player in history to win Wimbledon as a wildcard. It was the only time Ivanisevic would ever win that tournament.
6 N.C. State
Those of you who have watched March Madness games over the years have probably seen the video highlights of N.C. State shocking Houston and winning the 1983 NCAA Tournament via a last-second bucket. The memory of the Wolfpack becoming one of the greatest underdogs in the history of college basketball has lived on, in part, because of the visions of N.C. State head coach Jim Valvano running around the court looking for somebody to celebrate with after the game. Jimmy V became a beloved figure among sports fans after his coaching days, and ESPN honors his legacy and all that he did to advance cancer research on multiple occasions each year.
5 Danny Willett
Absolutely zero casual sports fans tuned into the final day of the 2016 Masters to see if Danny Willett would catch Jordan Spieth. Spieth was seemingly headed to a second-consecutive victory at Augusta, while Willett was +2000 odds to finish atop the leaderboard heading into the morning of April the 10th. Spieth fell apart while playing the back nine, and Willett took advantage and played bogey-free golf en route to leapfrogging Spieth on the scoreboard and winning the Masters. You may think that Spieth lost it more than Willett won it, but that doesn't change that Willett won the green jacket in 2016.
4 New York Jets
You probably are familiar with this underdog tale. The Baltimore Colts were 18-point favorites to take care of the New York Jets at Super Bowl III, but New York quarterback Joe Namath was not impressed. Namath guaranteed that the Jets would win, and the Jets responded by holding Baltimore to just seven points and winning the game 16-7. The second New York football team to be among the biggest underdogs to win a title, the Super Bowl III Jets remain, to this day, the greatest team in the history of that franchise. Gang Green fans have been waiting nearly 50 years for the team to make a return to the Super Bowl. One day...
3 Buster Douglas
2 Holly Holm
Admit it, those of you who are not diehard Ultimate Fighting Championship fans - you had never even heard of Holly Holm until she stepped into the cage to fight Ronda Rousey in November 2015. Holm, a massive underdog anywhere that was taking bets on the fight, busted Rousey open in the first round with repeated shots to the face. The underdog then left no doubt when she crushed Rousey with a kick that floored the "Rowdy" champion, and Holm put the matter to bed with several hammerfists that forced the referee to stop the fight. Holm's run atop the UFC women's bantamweight division did not last for long, though, as she lost to Miesha Tate in March 2016.
1 Leicester City
You could live to be 1000 years old and never again see anything like what Leicester City pulled off during the 2015-16 Premier League season. Afterthoughts in numerous season previews, Leicester shockingly rose to the top of the Premier League table during the first half of the campaign. While everybody was waiting for reality to set in and for Leicester to drop back toward at least midtable status, Leicester continued earning positive results and keeping Tottenham Hotspur in second place. Spurs crumbled under the pressure that came with playing meaningful spring games, and Leicester ultimately hoisted the Premier League trophy in front of a home crowd. From 5000-to-1 odds to win the league to champions: Leicester are the greatest underdogs in the history of sports.


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Fans gather to watch Bobbi Kristina funeral from afar | News
ALPHARETTA, Ga. -- As family members are friends arrived to say their final goodbyes to Bobbi Kristina Brown, fans of the family gathered across the street with thoughts on 22-year-old life, gone so soon.
"I can't imagine what it would feel like to lose a child so early," said Reo Wallace. "I'm a Whitney Houston fan. I'm a Bobby Brown fan and I really wanna see some closure for this family."
She drove nearly an hour from Conyers and was one of the first of dozens who came out to see the funeral service from afar.
"That was the least that I could do, just show support," said Wallace. "We love Bobbi. She was the child of two big celebrities and she was born into that. She didn't ask for that."
Adriane Gregory and her family planned a trip in Atlanta, and drove about 17 hours from Connecticut in part to stop by the service. She says her heart goes out to the families after so much loss.
"It's sad, especially for her. I feel bad for her and her mother, the family, Bobby Brown, Cissy Houston I really do feel bad for them," said Gregory.
Neighbors from the condos across the street from Saint James United Methodist Church knew the funeral would impact their Saturday, with barricades and cones lining the road that leads to their homes. Many, like Debbi Bement, came out to watch as well.
"I feel a necessity to pay my respects. I've seen Bobbi Kristina around the neighborhood since I've lived here for 14 years and it's an incredible sense of sadness." said Bement.
Now as the Houston and Brown families continue to mourn their loss, those looking on from behind the barricades want them to know that their thoughts are with them.
"I just feel terrible for Cissy Houston and the fact that she's now lost a daughter and a granddaughter," said Bement. "I just want them to know that the community is praying for her and for the whole family."


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Barrit 7" (1997)
I dont know much about this band. In fact I didnt even know they had a full length out. I can be pretty disconnected at times and in fact spent much of the time from 1998 - 2004 not even concerned with music. Thats no so important really, other than the resurgence of listening to music and finding new music and hunting down things I used to like added up to me liking music way more than before and eventually starting this blog to share all the musical discoveries that have helped me along in life.
Right about the time I left Vermont to move to NYC is when I acquired this 7". My friend Brendan, always an ultimate resource for all things hardcore and metal, had showed me this and the two songs instantly grabbed me. I threw it on a tape and jammed it in my ride (my awesome 1989 Honda Accord) and probably drove way to fast as a result. I used to make it from NYC to Vermont in record times. "They" always say it takes about 6 hours, give or take, to get from NYC to VT. Fuck that, it should take 5 (give or take) but I used to make that drive in just over 4 hours. I drove like a lunatic for years and subsequently lost my license around 9 years ago. I have never gotten another license. My penance for all the people I most likely scared the shit out of.. Anyway, they were good times. Surely hardcore mustve had something to do with this... and maybe the fact that my father flew jets in the Air Force.
So, I leave school and my favorite tape to listen to in the ride was this one. It was an old tape that had Converge's Halo In A Haystack on one side. That dates the cassette to around 1994 or 1995. Along the way I put the Channel 7" with Fairy Tale on the other side and the Jesuit 7". Sometime later I added a 7" by another New England metallic hardcore band called Corrin and then eventually made it to VT where I added the Barrit 7" you have here and the Execute demo (Super heavy hardcore from VT with the same drummer from Seven Years War).
Needless to say, that tape ruled. In fact, it still rules. I still have it and all of the things on it are nearly impossible to find. Its one of 3 tapes I still own along with Sick of It All's Blood, Sweat and No Tears.
This 7" is great. You will have to listen to it to find out what it is like, though I can say it did fit on that cassette really well alongside those other bands.
If anyone has the LP I would love to hear it as I mustve dropped off the map not long after this 7" graced my life.
So I was looking up some stuff about Barrit and was pleasantly surprised to find a very old Tripod page for Barrit. It turns out they were from Worcester, Mass and existed for maybe 4-5 years tops. I also found the cover to the LP that Dan dropped in the comments. Go check it out, though as Brendan says, I dont think it is as good as the 7". Mainly because of the voice. The vocals are shredded on the 7" and they are far more polished and lower end in the album. I personally love the shredded scream, Carcass style.


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Possessed Boy, Buried in Black
Season 1 • Episode 3
Possessed Boy: When an Amish family's new home turns out to be haunted; they are forced to live in the presence of unthinkable evil. Buried in Black: The evil spirit of a man who was disgraced by the Amish church seeks revenge against the community.
43 min|TV-14|Premiered 09/29/2014


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I received the following question:
What are your thoughts on whether divorce is allowed for a believer today? I understand that we should not allow divorce to come easily, but the question is, is it permitted at all?
I have not really written on the divorce issue at this point. The reason is I cannot say that I have reached a conclusion on it. I do wish that there was no divorce. I think that couples are far too quick to divorce today. Mr. Sellers says there is a rush to get married, and then a rush to get divorced, and I think both can be true. The cost both of marriage and divorce is not considered. Children particularly are hurt by divorce. They go through terrible pain, all while their parents are worried about feeling fulfilled themselves. This is just not right.
That said, I would hate to advise a woman whose husband abused her and threatened to kill her that she should stay with him. I would hate to attend her funeral after having given her such advice. I know that the kingdom laws do not necessarily affect us today. But sex is a serious business, and Paul says that even a man who sleeps with a prostitute becomes one flesh with her. Of course, he doesn't say that God joins them together, but this shows that just the physical act is a serious matter.
Even if divorce must be entered into, I do not know that remarriage ever "must" be entered into. Often the remarriage can hurt the children more than the divorce. It is often better for the child if the parent just focuses on being a parent, rather than finding a new relationship to fulfill themselves.
I sympathize with God's hatred for divorce. At the same time, I am reluctant to bind on people what I think is probably a kingdom rule. If we follow Ephesians 5, we would never even get to the point of wanting to divorce. That is how God wants us to act in grace. Our worthy walk is to love our wives, submit to our husbands.
At any rate, those are some of my thoughts. I too look forward to the kingdom when all of this will be made clear to us, and when we will all learn a better way.


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Beech Hill
Beech Hill
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To place an order or get help with a new project, enter Camden Printing online Customer Service Center. To download useful software and find helpful information, search our Resources & Support area. Learn more about us, browse through our Company Information section.
An easy-to-use pulldown menu, search engine, and link to our contact form appear on each page. As well, feel free to consult the site map at any time if you're having trouble locating a particular item. If there's anything we can do to improve our site, please let us know.
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6 Tips to Sell Yourself in a Job Interview
Posted on 05/20/2019
Whether you're in the business world, marketing or any other career field, it's always a good idea to be on the lookout for the next big opportunity at the next big company. And knowing how to sell yourself in a job interview is a sure-fire way to make sure you land the perfect career of your dreams.
Lots of people can breeze through an application, write a cover letter and even limp along in a phone call, but few know how to nail the elusive in-person interview. Fortunately, there are some global insights that work well for everyone and every job. Here are six sure-fire tips for how to sell yourself in your next interview.
1. Research the company.
Before you even step foot in the room, it's important to know what you're walking into. That means digging deep and researching the company and industry beforehand. Not only does this prep you for the interview, but it also shows the interviewer that you care about the business and position. Some employers might out-right ask you: "What do you know about us?" If not, try to work in bits and pieces about your company knowledge throughout the conversation.
2. Practice the questions.
While every interview is unique, there are some general questions most will ask. You can't prepare an answer for every question, but you can have anticipated answers in mind. Research common interview questions and consider your answers beforehand. If necessary, write your answers down (although, don't read them off a sheet of paper during the interview). Commit them to memory, but allow for fluidity during the interview.
3. Connect with the interviewer.
A key component to selling yourself is establishing a connection with the interviewer. Chances are, the business will interview quite a few people for the position, so you need to stand out from the crowd. For instance, know the interviewer's name and use it throughout the interview. During the conversation, consider focal points that you can connect on. Smile, engage and build rapport wherever you can, to show you can fit into the company.
4. Prepare beforehand.
Don't wait until the last minute to prep for the interview. Instead, be sure to have everything you need ready to go well in advance. This means picking out your outfit the night before, printing extra copies of your resume, packing a notepad and pen...the whole shabang. Making sure all of the little details are ready the day before will help you stay calm and relaxed on the actual day of the interview, so you can focus on more important things.
5. Write your own questions.
In most interviews, the employer will ask if you have any questions for them. While some people can think of questions on the spot, it's probably best (and will look more professional) if you come prepared with your own questions already written out. Consider genuine questions you have about the company and the position that you can ask. Or, as the conversation flourishes, jot down other questions that come up to circle back to later.
6. Be on time (a.k.a. early)!
You know the old saying: If you're on time, you're late, and if you're late, don't bother showing up. This could not be more true for interviews. In fact, on time actually means five to ten minutes early. Plan your routine and route accordingly, so you can get to the interview location well-enough in advance. Getting there early also gives you time to catch your breath, relax and mentally prepare, rather than rushing in, looking flustered and unprofessional.
Whether you're on the hunt for a new job or simply keeping your options open, it's always important to know how to sell yourself. Keep these tips in mind for your next interview, so you can land your dream job and grow your professional career.


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After some initial caution, UnitedHealthcare has embraced President Barack Obama's health reform.
With open enrollment on the Illinois online marketplace underway, the giant insurer is selling individual health plans in 27 counties. It was only in Cook County this year.
Its coverage area now includes the collar counties, continues southwest to Peoria and ends at the Mississippi River. Colleen Van Ham, CEO of the company's Illinois and northwest Indiana operations, recently sat down with the Tribune to discuss UnitedHealthcare's Obamacare strategy and other insurance trends. This is an edited transcript of that conversation.
Why are you expanding?
We believe it's something we can do at an affordable price. There are so many additional people who need insurance coverage. We have a product that really helps people understand how to buy, what's available to them, the subsidies that are available and the benefits. After they select us, we're reaching out to them and asking them if they selected a physician and scheduled a preventive care appointment. It's really an end-to-end experience based on everything we heard from consumers.
What did you learn in 2015 in Cook County?
No matter how we try to educate and put materials out there, people still want to talk to a live person. Once they are signed up they still need their hand held in terms of what they just purchased and how they can use their insurance. The other thing we did is cut the amount of time it takes to complete an application in half, to within two weeks compared with 25 to 30 days.
What types of exchange-based plans do you have in the Chicago area?
We have eight copay plans with various ranges of deductibles, and we also have two health savings account plans. All of our plans are HMO plans, and with them comes access to at least 50 percent of the hospitals within that area. The other key feature is we ask the customer to select a primary care physician. If we see within 90 days after enrollment that they haven't selected that doctor we will reach out and call that individual. We're encouraging them to go to the doctor and use the benefit to make sure they understand what they have available to them.
What kind of rate increases will your current customers on the exchange see?
From 2015 to 2016 our customers will see very moderate rate increases. We think they may be some of the lowest on the exchange. It was single digits on average. What we strive to do over the long term is offer very predictable costs year over year. We want people to stay with us and not feel like they have to go out to the marketplace every single year because they were surprised by the rate increase.
Why are insurers going to narrow provider networks and eliminating their PPOs on the exchange?
Our HMO plans are narrower than our broad PPO network. There's a lot of different definitions on the exchange of how narrow is defined. That's where consumers need time to understand what they are buying because there can be certain options where it's just one hospital system and that's it.
That's probably a distinct differentiation for us versus some of the other network offerings on the exchange that might have lower price points attached to them.
What we do know when we have narrow-network offerings is we're able to work with the providers to bring the best-in-class discounts to those individuals so that they are seeing the return in terms of what they might trade off in overall access.
How can you make it easier for consumers to see how much they spend on health care?
We have the "myHealthcare cost estimator." It provides the cost of procedures in advance at specific hospitals and facilities so members can understand in advance what their out-of-pocket spend will be for a specific procedure. Costs haven't been as transparent, and that's been one of the biggest criticisms of the industry.
On employer-sponsored insurance, what big trends are you seeing?
The biggest trend right now continues to be how do employers help their employees live healthier lives. We see a lot of movement to platforms like the one we have called Rally, which allows an individual to go on everyday and enter what foods they ate or how much they walked and get points for doing that. Companies can decide how they want to reward those points in terms of potential premium reductions or other incentives. Last night I was 14 steps shy of 10,000 steps so I stood in place and walked just to get those 14 steps because I was motivated by that goal.
On employer-sponsored plans, the average deductible has gone up 67 percent since 2010. Why?
It's reflective of the underlying pressures companies have in terms of their overall performance and how much of that they are dedicating to health care costs. Companies are moving to programs where they can offer an array of choices. I also see them moving to programs with tiered benefits, such as lower copays if employees use providers in a preferred network.
What has been your experience with accountable care organizations (networks of doctors, hospitals and other health care providers that coordinate patient care and become eligible for bonuses when they deliver care more efficiently)?
We're seeing great results from ACOs. We have two here locally, with Advocate and Illinois Health Partners. We're looking at improving the patient experience while improving outcomes and reducing costs. It has to meet all three criteria for us to start looking at a value-based contract with a health system. We've been pretty judicious about how we enter into those contracts because not everybody is ready for shared risks. Providers are getting a more holistic look at the individual patient. Before, physicians didn't know if that person was going to any other doctors or any other pharmacies or went to the emergency room.
What are some of the big mergers among insurance companies going to mean for consumers?
The Affordable Care Act was intended to expand coverage and make it affordable. To meet the intent of the act insurance companies have to scale to be able to absorb the costs. Consumers will benefit if the mergers bring benefits in terms of affordability or an enhancement to the coverage.
Twitter @ameetsachdev


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So an Arcade, Viking Beer and a Central New Jersey walk into a bar…
Yes! You heard that right folks. There is no punchline to this one. Central New Jersey now has its very own Arcade Bar. In Metuchen (a small town nestled in between Woodbridge and Edison townships) Hailey's Harp & Pub on Main Street is an already well established Irish Pub and Eatery with a great selection of alcohol and food to choose from. However, the pub now has an alter ego located behind it on 15 Station Place. The two egos combined are like a mullet straight out of the 80s, business in the front, party in the back.
Hailey's alter-ego is known as Harp-Cade. Upon entering Harp-Cade, 80s tunes rocked the sound system. The smell of quality lagers, ales and IPAs were complimented with some classic mixers filled the air. I sat down at the bar and immediately noticed a fairly decent selection of beers, many of which I was not familiar with. Being that this was the grand opening, it was time for me to try something new. Immediately, I seen an ale with a Viking holding an axe on the label. The beer was called Skull Splitter so naturally, my geeky, sword wielding, RPG-loving self identified with it. One of the bar tenders handed me a bottle. It was 8.9 by volume. While I will never claim to be a big drinker, this is definitely one of the stronger beers I have tried. While the label implied that Erick the Red would most likely shatter my cranium, the ale was quite smooth and had a deep, hoppy flavor to it. To compliment the Skull Splitter, I also ordered a side of mozzarella sticks. I loved the fact that they were double battered and not just those cheap ones where half the bread crumbs fall off.
Shortly after having a drink and a bite to eat, I entered the back room. At that point, I heard the old familiar sounds of coins clanging out of the change machine, pews, bleeps and bloops and the constant mashing of buttons and joystick clicks. Not since the 1980s have I seen a room so packed with people of many different age groups all there to play video games. Its just day one and the retro scene is a live and well.
The first thing I truly appreciated about this arcade is the fact that they have not hiked up their prices. These machines take quarters and anyone can play them for the very humble, low price of .25 to .50 cents a game. While most of the games were timeless classics from the 1980s such as Pac Man, Donkey Kong, Asteroids and Galaga, some 90s hits like Crusin USA, X-Men vs. Street Fighter and Area 51 were also available. While I did play most of the machines there, one game that really caught my attention was the original Asteroids. Back in the 80s, while I have seen this cabinet many times, I only played Asteroids on various collections on PC and Console. It was interesting to see how you main ship and the lasers it fired were lit differently in comparison to the asteroids on the screen. The lasers really popped and were like ten times brighter than everything else. It was like the difference between florescent light versus an LED. While I can talk about it so much, one can only truly notice this difference if they have played an emulated version and compared it to the cabinet. In a very strange way, this little effect they pulled off back then made the game stand out that much more.
After playing a few rounds on Donkey Kong, Pac Man and Ms. Pac Man, Galaga and Defender, I decided to order another Skull Splitter. Sitting at the bar, I noticed a Periodic Table of Video Game Console Controllers and Portables. Also, I noticed a picture of Lion-O from the Thundercats hanging by the shelving that housed the various liqueurs used for the mixed drinks. At this moment, I overheard a couple reading off the various controllers and looking them up on their phones. It was at this moment that I realized that Harp-Cade was not just a Pub with a bunch of Arcade Machines dumped into it; it was a place that was well thought out by a fellow gamer who grew up during the times and wanted to find a way to bring back those memories and create new ones for everyone who comes through the door.
Sitting at the bar, playing games and having various chats with different people reminded me of why the arcade was and always will be the true Social Gaming Network. While we live in a society dominated by social media and online gaming, its so much nicer to actually talk to real people and share the passion for the hobby versus staring at a text box trying to figure out a persons intent. Its a return to the very core of human nature through old technology that has never really lost its appeal. While games will always find a way to PCs and Home Consoles, the arcade will always be the true meeting point for gamers outside of the convention scene. And no, this is not limited to any age group. Sometimes, its not about data contained in the machine. Sometimes, its about what it represents.
I thoroughly enjoyed my time spent at Hailey's Harp-Cade. If you are in New Jersey and are looking for something fun to do, you can check out their web sites at the links below. Game On my friends!


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Victim playing (also known as playing the victim or self-victimization) is the fabrication of victimhood for a variety of reasons such as to justify abuse of others, to manipulate others, a coping strategy or attention seeking. – Wikipedia
The Narcissist is master manipulators. They appear to be normal people who go to work every day, walk their dog, take care of their kids, and may be active in their community.
Narcissist are not losers. Many of them are in politics, they are teachers in schools, nurses at the local clinic and your manager at work.
That being the case, narcissist use their "normal" lives as a mask to appear like they are mentally stable adults.
The narcissist will go out of his way to wine and dine you. He will shower you with respect, attention, and admiration. He will appear as the guy you've always dreamed about.
This is how they reel you in. Once they have your undivided attention, the narcissist begins to unload all their stories of victimhood upon you.
Of course, you see them as a responsible and very likable person who has shown you nothing but the utmost respect. Once you hear how other people have wronged them throughout the years, automatically you feel the need to defend them.
Unknowingly, you enlist in the army of victimhood defense that the narcissist has subconsciously persuaded you to join due to their sob stories of alleged betrayal, abuse, and neglect from family members, exes, and friends.
The narcissist invokes your parental instinct and you feel a very strong desire to protect them and believe in their side of the story.
If for any reason, you become the devil's advocate and ask critical questions by saying to the narcissist, "There are two sides to every story," they immediately begin to judge you as an unsupportive partner and may even hit you with an ultimatum that if you don't stand up for them 100% then you gotta go!
A master manipulator understands that by love bombing you and showering you with attention and respect, once they play victim to alleged character assassinations against them, that you will protect them and defend them despite the evidence presented to you. The desire to protect them will be stronger than your desire to accept the truth.
In fact, you become slightly narcissistic in the process because you adopt the mindset that he's good to me, he loves me, if his ex or any other person has a problem with his character that is not your problem. If all you care about is how he treats you at the present moment while the two of you are in the honeymoon phase of your relationship, he has you exactly where he wants you.
Consider yourself groomed and a prime source of narcissistic supply. He will love you as long as you never challenge him, or hurt is overly inflated ego.
If you want a partnership dynamic of a relationship, you are with the wrong one. Being with a narcissist is more of a dynamic where you are a cheerleader, cheering for a losing team. Despite their idiotic plays, you have to keep believing somehow the two of you will win in the end.
At some point, as the honeymoon phase ends, you will start to realize that all his friends are mere puppets to his prized victim role scheme. When you begin to experience sudden disrespect from the narcissist, he will shame you for being a drama queen and so will his friends that you once respected and admired.
To earn your sympathy and pity is the narcissist strongest weapon. Do not give it easily. Remain objective and of sound mind so that you can see through the fog. Narcissist are not victims, they create victims instead.
By Janell Hihi @copyright 2017


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22 january 2018
It's the learnatics & learning organizations that will survive
Lifelong learning. Buzz word or not, it is key to understand that people are always implicitly learning and that managers and learning leaders cannot take full control over this process. L&D must 'surrender' control for lifelong learning to genuinely occur. Only organizations with a true lifelong learning mindset will thrive and survive. Therefore, the first objective for every organization should be to develop its workforce in order for all employees to be ready for #TheFutureOfWork with a focus on long term employability within or outside of the current role, function or organisation. For individual learners, it's not about being up to speed, it's about creating a plan B and continuously stretching yourself. For managers and learning leaders it's about creating the context that encourages people to take action.
Last week HRbuilders #dreamteam members Sofia, Cecile and Lesley went to Lisbon to the #meritsummit. Happy to share 7 key take aways in this (long) blogpost. We also crowdsourced some learnings by interviewing speakers and attendants of the conference, we'll be sharing our video soon, so stay tuned...
#1 The brain is always learning
Andy Habermacher, first keynote speaker, kicked off the conference with some neuroscience. He took the audience on a journey through the brain, its function and its impact on leadership. Using neuroscience knowledge can refine, assess and contribute to HR processes and approaches.
Implicit learning is 'always on' because neurons are constantly making connections and that's how we learn. So you cannot actually 'guide' learning
It's the networks that drive our brain, not the neurons, just like in business :-)
These connections - synaptic growth in the brain - are stimulated by (1) activation, (2) repetition, (3) exercise and most importantly... (4) sleep!
In other words, in order to learn, the brain needs to be activated, repetition is key (10.000 hours rule from Ericsson et al.) but limited to 4 hours a day, broken into blocks and with enough rest (sleep). This means the brain is most active when you're inactive: sleeping, or daydreaming, or running, or doing things that require no thinking at all. Most synaptic growth, reset and detox happens while we are resting.
The brain is most active when we aren't. This has implications for effective learning design!
The 4 emotional drivers for a healthy brain
Research has shown that in normal conditions neurons make lots of connections, but neurons in toxic stress make less connections and cause 'disruption' in neurotic growth. This means that people - when in stress either at home or at work - are physically not able to learn.
A healthy brain needs (1) self-esteem, (2) pleasure, (3) control, (4) orientation and most of all (4) attachment. If you do not have those needs, the brain cannot fully grow and people will not perform at their best.
Psychological safety is the most important factor if you want successful and effective teams!
SCOAP: Behavioural framework of needs and drives with 9 levels of intervention
Andy Habermacher has co-developed a behavioural framework which aims to plot all of human behaviour within a framework based on evolutionary neuroscience. And his research showed that most organisations only focus on 2 or 3 levels of intervention. If you want your employees - whose brains are 'always on' - to be able to learn, it is key that you set the right conditions, that you understand that needs fulfilment is critical, that they cannot build new reflexes when there operational all the time and that the behavioural framework has to be approached consistently and persistently.
Learning takes time: the business needs to understand this and provide that time
#2 Social HR versus individual HR
Also Jon Inghams session was on neuroscience. Jon did academic research, cross organizational surveys and organizational network analyses that all demonstrate the importance of effective social relationships and the impact of social groups.
People are not economically driven, we are social driven
We've reached the end of Peter Drucker's knowledge workers. Enter social workers, Ingham states. The brain is always on and it is innately social.
They talked about the power paradox - the higher we move on the hierarchy, the more we lose our empathy and ability to connect with people.
They also discussed organization design and workplace design: horizontal teams, functions, networks and communities. Horizontal teams and functions are focussed on the task while networks and communities have a people focus. It is key to choose the right structure and the right workplace design for your organization as it has a huge impact on social collaboration. Despite the fact that most HR leaders are aware of the fact that focus should be on the teams, we continue to focus HR on the management, measurement, development and reward of individual employees. In order to move forward in organizations, it's better to spot the social talents because they are the ones what will get things done...
#3 Investments in learning create value
Dave Ulrich, who has published over 200 articles and book chapters and over 25 books virtually joined the summit with a great keynote on creating value for the business through learning.
First of all it is important to understand the emerging context of work anno 2018, Ulrich kicked off. Second we need to recognize what value creation means and start seeing learning as a source of organizational value.
Value is always defined by the receiver, not by the giver
That's why we need to understand our full range of stakeholders who gain value and this goes beyond immediate learners and managers. So who are the stakeholders for learning?
- line managers: strategic value
- employees: employee value and productivity
- investors and owners: market value
- customers: customer share
- partners: collaborative value
- communities and regulators: reputational value
Learning is about having impact and creating value
Third, we need to know where learning occurs: according to Dave 50% of all learning occurs on the job, 30% by education and 20% by life experience. Fourth, we need to be aware who attends and who teaches. We especially love the trend of bringing the customers and investors in to learn from. Fifth, what is learned (= wat are the learning outcomes): Learning should not be seen as is an individual interaction but for teams and even customers - and this demands an "outside in" perspective. Teams are more important than individuals!
Learning matters, teamwork matters
Sixth; how does learning occur? It is better to begin with a challenge instead of a theory. This is really scary as the trainer is no longer the expert in this case. Learning doesn't occur by presenting theories or best practices, it's all about co-creating! Seventh: how is learning being transferred to work (= learning sustainability). Dave told this great story about a group of turkeys attending a two day course learning to fly.
Sustainable change comes not from learning alone, it comes from applying the learning to everyday behaviour.
Sustainable change requires behavioural change! So how can you create learning sustainability? Leadership sustainability will increase when leaders:
- focus on a few key behaviours that have high impact
- put their desired behaviours into their agenda AND show up in how they spend their time
- are personally and publicly accountable for making change happen
- support their desired changes with coaching and infrastructure
- measure their behaviour and results in specific ways
- constantly improve by learning from mistakes and failures an demonstrate resilience
- have a personal passion and emotion for the changes they need to make
Eight: how to leverage technology
- HR efficiency: build technology platforms to efficiently manage HR processes
- HR innovation and effectiveness: use technology to upgrade practices in people, performance management, communication and work
- information: share information for business impact, access (un)structured data, bring external data inside
- connection and experience: build emotional connection, create social networks and share experiences.
Ninth: how to create accountability. The final accountability for learning is the line manager, HR and learning professionals are facilitators and Tenth: we have to measure learning
Be sure to watch his video on the outside-in perspective
#4 Characteristics of the learning organization
One of our #dreamteam's favourite workshops was the one on driving the new learning organization by Andy Lancaster, head of learning and development content at CIPD.
What is a learning organization?
We were challenged to define what a learning organization is. Proud to share our crowdsourced definition with you:
A learning organization is an organization where learning just happens, where the entire workforce is given time and space to learn, where the learning is also transferred so others can benefit and learn too, making everybody successful: the individual employee, the teams, the leaders, the organization and society as a whole.
6 characteristics of the new learning organization:
- clarity of purpose
- holistic people experience
- intelligent decision making
- continual engagement
- agile, digital infrastructure
- thriving ecosystem: a people led system just like a beehive that enables its people, teams and the extended enterprise to thrive and learn linked to common goals
And this has implications on the focus, capability and skills of L&D and HR teams.
Andy left us with 12 great ideas:
- learning must be aligned and relevant to current and future organisational needs
- gather and use appropriate data to inform learning needs and define impact and value
- role model and champion learning within the organization
- gain buy-in and support for learning from top down in the organization
- line managers must be accountable for learning within their teams
- L&D must operate as performance consultants to diagnose and suggest solutions
- learning must be agile in development and deployment
- learning must embrace and model the latest thinking
- undertake ongoing reviews about use of appropriate technology in the learning strategy
- support intergenerational learning with different approaches, sharing and collaboration
- understand and embed wider change within the organization's culture
- ensure a 'no blame culture' allowing people to explore, discover and make mistakes.
#5 Why it is key to see the world through a paradoxical lens
The third keynote speaker, professor Miguel Pina Cunha invited the audience to see leadership paradoxes as an opportunity and not as a signal of managerial incompetence.
A good leader is a poet and a plumber at the same time
Meaning: a good leader has to be visionary and aspirational on the one hand and willing & able to get things done on the other hand. It's about being able to zoom in and zoom out at the same time.
A paradox has 3 building blocks: opposition, interdependent and persistence. You cannot solve a paradox, you have to live with it. This is not the same as a dilemma or a contradiction.
Paradoxes manifest
- in learning: we need to explore for the future (long term) and constantly improve what we're doing (short term) > we need to become ambidexter organizations that learn for today and for tomorrow at the same time.
- in performing: there's a tension between the management (operational - short term) and leadership (aspiration - long term)
- in belonging: how do you define as an organization what is a core while giving people the freedom to express different ways of thinking
- in organizing: tension between control (predictability and efficiency but deriving people from energy) and freedom (give people space)
Professor Miguel Pina Cunha really challenged everybody to embrace paradox and even go look for them proactively, something that I personally have been doing throughout my whole career and life.
#6 Tsunami of information, apps and learning
Learning in the digital age means:
- embracing what & how
- one size fits none
- bringing in design thinking!
- social learning: peers!
- user-centricity
- user generated
- no processes, just sign up :-)
- creating (analog) experiences
It is important to see technology as a friend.
The need for capability building keeps going up, our workforce is changing fast. So what can we do to turn the workplace into a learning place?
Technology is a key driver, but people are overwhelmed. Not everybody will just 'figure it out'. They need time to reflect and help when they cannot manage on their own.
#7 Shift in leadership
Hollywood movies show a shift in leadership : it is not about one hero winning the game anymore, it's about a tribe of people working together to save the world. It's not about having less managers, it's about having and creating more leaders.
LifeLongLearning. Doesn't matter if it is a buzzword or not in our opinion.
What does matter is that learning is key to thrive and survive in the FOW for individuals, for teams, for Companies and for society
It is very clear to us that learning does matter and there's definitely a shift going on from learning providers towards learning consumers. Learning matters and it creates value.
We are happy and proud that our next HRbuilders workshop for our HR freelance community will be on the topic of learning: February 19th our colleagues Sofia Van Overmeire and Lesley Arens will be sharing our key take aways and insights on #meritsummit in Brussels and we've invited two Belgian speakers from this conference to join us: Christophe Vanden Eede, talent acquisition and development leader at Telenet and Kristel van Loon, manager global learning and leadership development at Mondelez.
See you there?


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- #therebecca
- >
- Intermediate Classes
- >
- Capsule Wardrobe - Fall & Winter
Capsule Wardrobe - Fall & Winter
Intrigued by the idea of having a few articles of clothing that WORK together - in as many different ways as you like?
Capsule wardrobes cut down on the need for SO many items in your closet - and focus on quality pieces that can be completely versatile. Warm and cozy is the name of the game for this one!
In this course we will plan our wardrobes, find patterns, colours and talk about how to mix textures and patterns to create the look that you love. There may be a bit of homework - but we will have lots of time for planning ahead.
Recommended to have Basic 1 & 2 done for this class
PLEASE NOTE THAT OUR FABRIC, COLOUR AND COORDINATION MEETING (to plan all your items) WILL TAKE PLACE ON JULY 3rd 7-9PM
This will allow ample time for ordering fabric online.


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Following a disappointing inaugural season, New York City FC announced last night that they have relieved Jason Kreis of his head coaching duties. Assistant coaches Miles Joseph and CJ Brown were also let go by the club.
The decision to bring in a new coaching staff came following a season in which NYCFC finished eighth in the Eastern Conference with a 10-17-7 record and 37 points. The club was 12 points out of a playoff spot under Kreis.
Despite the disappointing campaign, team president Tom Glick acknowledged the decision was not taken lightly.
"We thank Jason for his passion, his efforts and for his contribution to the historic inaugural season of New York City FC," Glick said in a statement released by the team.


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Mar 19, 2018
This course (as Part A and C) is great - Dan is great in teaching and the content is perfect for anyone who wants to learn more about programming languages!\n\nWarning - you might end up loving FP :)
Mar 24, 2018
Great course with really interesting and challenging assignments that allow to get more precise vision on programming languages (especially on PL's typing systems) and get experience with modern LISP
par Arent S•
Feb 03, 2019
The programming languages courses are by far the best Coursera courses that I've seen in my life.
The teacher is passionate and really wants to teach programming 'idioms'. The syntax of a language, or the structure for that matter are not as relevant as the underlying idea. With this course you will learn to recognize the underlying patterns of programming. These patters will always be usefull, no matter the language or environment. I highly reccomend this course.
par Julie L•
Jun 04, 2019
This course was awesome. I would caution you to take Dan's claim that "Part A is almost as substantial as Part B and Part C combined" with a grain of salt. This couldn't be further from the truth. Parts B and C are challenging, with the difficulty increasing as you progress further into the course. This makes the three part series an exceptional value.
par Sean E•
Nov 06, 2018
This entire course (A through C) is gold. Nothing to add, if you have the time, take it! Thanks so much to Dan an the team!
par Andrii D•
Jan 26, 2019
Good course with interesting and challenging assignments
par Berin L•
Jan 08, 2019
Has to be the best online course, I have ever taken.
par Sebastijan P•
Mar 08, 2019
TOP course.
par Pablo A•
Mar 12, 2019
Excellent intro to a Lisp and functional programming in a dynamically typed language. Very hard but rewarding homework. It is worth the effort in my opinion to make you a better programmer if you are already one or to train you right from the beginning if you are new to it.
par Tang H T•
Jan 14, 2019
Dan is awesome! It is best to take part a to c in sequence
par Oleg K•
Jan 15, 2019
Some tasks were very challenging but the course is really awesome
par Cheng H•
Dec 16, 2018
the best online course I've ever taken! expecting more courses from Dan and Washington University
par Diego E H G•
Sep 06, 2018
Very useful, and I will continue with part C
par Jin X•
Sep 12, 2018
Dan is so cool!
par Dali Z•
Aug 16, 2018
Amazing course!!! Excellent lecturer!! Really learn a lot of PL and Racket.
par Dingze W•
Jul 26, 2018
great course
par 彭福伟•
Sep 28, 2016
par Maria L V•
May 10, 2018
Learned a lot and enjoyed it!
par Hector L•
Aug 13, 2017
interesting to program in racket
par Anton•
Mar 24, 2018
Great course with really interesting and challenging assignments that allow to get more precise vision on programming languages (especially on PL's typing systems) and get experience with modern LISP
par Fry•
Sep 24, 2017
very good!!!
par meteor_liu•
Dec 28, 2017
awesome course that teach PL
par 蔡小邦•
Jul 19, 2017
Excellent course, hope to use Haskell language later.
par Eduardo C R•
Dec 01, 2016
Incredible continuation of an already amazing course.
par anton k•
Jan 09, 2018
Very interesting and challenging course. One of the best courses on Cousera, for sure.
par Wentao Y•
Jun 09, 2017
Very good and useful!
par replper•
Mar 09, 2017


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31 May 2017
Expected Arsenal XI for 2017/18: How will Arsene Wenger Line Up 3-4-3
Goonersden brings you news from top football news sites from the likes of ESPN, SkySport, Daily Mail, Daily Star and Metro… We also Analyse football, player, transfer and predict Arsenal starting line-up.
Here is how I expect Wenger should line up next season having completed the major signings.
The future of Alexis Sanchez and Mesut Ozil is still on a balance with several reports suggesting the duo are set to leave the Emirates Stadium this summer.


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It seems we can't find what you're looking for. Perhaps searching can help.
Invested when Bitcoin at $12 is now a Millionaire at 18
Find/Bug/Get/Bounty using Google Dorks!!
[Ref:CNBC Crypto] Ethereum's Co-Founder Says The Crypto Market Will Crash!!
Facebook Bug POC – Privilege Escalation
Facebook bug could have exposed your phone number to advertisers
Bitcoin and Ripple Cryptocurrencies are falling
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Tech toys will help improve your child's reasoning ability. It will stimulate them mentally to think about the concept of how the technology works. There are wide varieties of tech-oriented toy and gadgets, depending on the age of your child.
The best of them have been reviewed in this section of the website. A lot of factors were put into consideration while reviewing them. Age, gender, price, tech sophistication, as well as materials from which the toys were made, are of great importance, and they've been factored into the product selection process.
If you're confused about what to get your child for the next birthday? or just interested in getting them a piece of gadget to help improve their reasoning, conceptual thinking, and spatial dexterity, then you've come to the right section of the website. From mini-robot, to tablet, and drone, you would definitely find the perfect fit.


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Can you barely keep track of how you're supposed to buy the OnePlus One? We don't blame you. At least when your only option was that invite system, the process was straightforward enough, but recent months have seen those invites joined by pre-orders, as well as sporadic periods of outright availability. If that latter option sounds far preferable than the alternatives (and really, that's understandable), you're going to want to mark tomorrow down on your calendar, as OnePlus prepares to accept new One orders for a two-hour window.
OnePlus One orders will be open to anyone interested in buying one – no invite, no pre-order – tomorrow evening. OnePlus is staggering the sales for different regions, and many shoppers will see orders open in their local 7pm to 9pm block. That includes those in Europe on GMT time, on the East Coast of the US, and those in Hong Kong and Taiwan.
Admittedly, we're likely only a few months away from OnePlus Two hardware to make its debut, and from the sound of the latest rumors, that could be a handset that puts this first-gen model to shame. But that needn't make the currently-available option much less appealing, and we very well could find ourselves waiting until as late as September for the Two to launch. So, what say you? Will you be giving the One a chance tomorrow, or will you patiently await the next effort from OnePlus?


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Military exercises undertaken every three Veran years by the Guardians, using medium-tech weapons and often including space-based actions. The Practice Wars last for half a year ...
Areas within Veran not chartered for human habitation. Roads may run through them, and limited hunting/gathering activities permitted by the Chancels, but no agriculture, ...
A large House Minor in Gallyvaran Pass, on the west side of the Pass among the broad, rolling foothills north of the Traaki Citadel.


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Help us Repurpose Parmadale
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With your support, we've been able to complete some amazing projects in 2019.
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We are committed to protecting and enhancing Greater Cleveland.
We believe that clean streams and rivers, abundant natural areas, neighborhood green space, and beautiful walking and biking trails are an important part of healthy, vibrant, successful communities.
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Restoring The Putzfrau: The boat that cleaned up the Cuyahoga River
This story originally appeared on Cleveland.com The Putzfrau cleaned up the Cuyahoga. Frank Samsel outfitted the 56-foot fish tug – whose name means "cleaning lady" in German – in the 1970s with a vacuum, a crane and a winch. His company, Samsel Supply Co., was hired...
West Creek Conservancy to receive NACPRO Award for Community Partnership work with the Cleveland Metroparks
West Creek Conservancy (WCC) will be honored with a National Association of County Park and Recreation Officials (NACPRO) Award in coordination with the Cleveland Metroparks for their contributions to the Park District. WCC led by Derek Schafer has won the Outstanding...
The Latest: Xtinguish Celebration Underway
Xtinguish the Past, Ignite the Future! Xtinguish Celebration is an immersion into the culture of the Cuyahoga River Watershed. We are working with over 300 organizations, municipalities, agencies, and corporate partners to highlight the unique nature of Northeast...
Xtinguish Celebration 2019
Mill Creek is excited to share that the Xtinguish Celebration has been featured on the Cleveland blog Waiting for Next Year! We are excited for 2019 as we continue to share our conservation efforts and upcoming events. The following is an excerpt from the article. ...
Conservancy Membership Change Notice
West Creek Conservancy is celebrating its 22nd year of conserving land, restoring water resources, building trails, and creating parks! Our amazing success is possible because of your generous support. We are announcing a slight change....a change that will make us...
Morgana Bluffs Nature Preserve Completed in Cleveland's Slavic Village
This is a guest post from Robert Koonce, the Chief Development Officer with Boy & Girls Clubs of Cleveland. West Creek Conservancy recently complete the Morgana Bluffs Project which helped preserve a high quality wetland in Cleveland's Slavic Village. Conservation...
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The National Security Agency is "misleading" those who read its FISA fact sheet, explaining what intelligence the NSA can collect and how it handles Americans' data, according to Senators Ron Wyden and Mark Udall. The two wrote a letter to NSA chief General Keith Alexander urging the agency to correct the "inaccuracy."
Section 702 of the Foreign Intelligence Surveilance Act and section 215 of the Patriot Act allow the NSA to collect a variety of phone and computer communications. The agency released a "fact sheet" on these two sections in order to help Americans understand how their data could be collected and how it would otherwise be minimized. But according to Wyden and Udall, the fact sheet referencing FISA section 702 may lead Americans into a false sense of security.
"In our judgement this inaccuracy is significant, as it portrays protections for Americans' privacy as being significantly stronger than they actually are," the senators said in the letter. "We urge you to correct this statement as soon as possible."
Are you wondering what the statement is? Unfortunately, it seems that information is a secret. A spokesman for Wyden explained to The Guardian that revealing which part of the Fact Sheet was, well, not factual would be "divulging information that is currently classified." The letter goes on to say that the part that has been classified is attached and not otherwise printed for public consumption.
The senators do, however, name the statement, "any inadvertently acquired communication of or concerning a US person must be promptly destroyed if it is neither relevant to the authorized purpose nor evidence of a crime," as being "somewhat misleading." This is because the NSA has previously said that it cannot possibly know how many Americans' communications have been collected, while this statement implies that it does know what has been inadvertently collected and can thereby destroy it.
Wyden and Udall Letter to General Alexander on NSA's Section 702 Fact Sheet Inaccuracy
National Security Agency Section 702 of FISA and Section 215 of PATRIOT Act Fact Sheets


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There are things worse in life, but those living with a herniated disc will be hard pressed to think of them. A herniated disc (also called ruptured disc or slipped disc) is a very painful condition that affects every aspect of your life. Herniated disc pain affects everyone differently, but if you have symptoms for more than a week, you should see your doctor as soon as possible. Some people do get better without medical treatment, but most do not.
ymptoms And Causes
There are two main causes of such incredible pain your vertebrae. The first is a side effect of aging. The spine is not as flexible as before, and the spongy discs in between your vertebrae get drier and cannot absorb normal jolts and bumps. Bones and nerves wind up rubbing against each other. The second cause is from injury anywhere along your spine which can dry up your cushioning discs.
You know you might have a herniated disc if you experience:
About 90% of patients don't need herniated disc surgery for back pain, according to Dean Moyer, author of "Rebuild Your Back" (2002). Surgery is needed in people who cannot walk normally, if conditions do not improve or worsen after six weeks of treatment. The herniated disk is usually removed and replaced with metal implants. Another option is to fuse together the disks above and below the damaged one.
Some people recover without surgery in one to six months. With prompt and persistent herniated disc treatment - and following your doctor's advice -- you can often manage your pain. Some things you can do rather than suffer include:
Most likely, you will be prescribed medications from your doctor to minimize your herniated disc pain. These include:
If you experience herniated disc migraine, then you may get medications that focus on migraine pain, as long as they do not counteract with your other medications.
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Without a doubt, the most dangerous sport in the world: jumping off mountains and floating on nylon wings.
This is not an 'if-at-first-you-don't-succeed' kind of activity. Wingsuit base jumping is a real manifestation of a powerful human fantasy to fly, and these guys are taking their athletic prowess to its most daring extremes by climbing an Arctic mountain and base jumping from the summit. Proximity flying brings them within inches of mountainsides where a single rogue branch could be their demise. This is probably a major factor in its overall appeal.
Video Created ByPosing Productions


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Address complex questions of poverty and development
The Evans School's International Development Certificate (formally the International Development Policy and Management Certificate program (IDCP)) offers students a foundation for addressing complex questions of poverty and development. The IDCP "transcriptable" certificate has been earned by 225 UW graduate students from 14 departments and Schools, and allows students to study current topics in international policy, management and economics in a disciplinarily diverse classroom.
The certificate requires that students complete 9 credits of core course material and two electives (6-8 credits) that cover areas or methods focused on international development.
1. Three core courses (9 credits total).
- PUBPOL 531: Development Management and Governance (Autumn Quarter; 4 credits) examines the characteristics of development policy and aid institutions and explores the ethical and practical considerations of managing development projects at the national and local levels. Sample syllabus
- PUBPOL 533: Economics of International Development (Winter Quarter; 4 credits) critically examines the most common economic development indicators of poverty, growth, and inequality, and provides an overview of, and basic economic literacy around, international macroeconomic topics including debt, aid, trade, and financial markets. Sample syllabus
- PUBPOL 598: International Development Certificate Portfolio (Spring Quarter; 1 credit) A portfolio and short analytic paper developed by each student, reflecting upon the key learning experiences of the program. The portfolio will consist of a set of papers completed through the ICDP courses, while the analytic paper will act as a reflective analytic summary of the portfolio, coursework, and student learning in the IDCP program.
2. Two elective courses (6-8 credits total) that cover areas or methods focused on international development, chosen from a list of approved electives.
Completion of the International Development Certificate will be acknowledged on the student's official UW transcript.
Students are encouraged to review the UW Graduate School policies on certificate programs, noting in particular the following: "The overlap of coursework applied towards both programs [certificate program and degree program] must not exceed 6 credits and is limited to elective coursework in each program."
Eligibility and Admissions
All students currently enrolled in graduate programs at any University of Washington campus with a minimum 3.0 GPA are welcome to apply. Students must be enrolled for the duration of the 2020-21 academic year. Note: Ph.D. students are welcome to complete the program over multiple years. Only current UW graduate students are eligible to apply for this certificate.
The application for 2020-21 will open during Winter Quarter 2020, and the deadline will be in April 2020.
The application includes:
- A coversheet that includes your name, contact information, and a list of the documents submitted
A short letter of application with the following four sections, each between 100–200 words:
A narrative introducing yourself, your background, areas of interest, professional and academic experience, strengths, and future intentions.
A description of your professional experience, internationally and/or domestically, including what you did, where you were, what you learned, relevant technical and language skills, and other accomplishments or experiences.
A description of your areas of interest within relief and/or development and how you would contribute to the diversity of disciplines, perspectives, regions, and experiences of your cohort class and answering the question, "Why does it make sense for you to earn this certificate?"
- A current resume listing both educational and professional experience.
- University of Washington transcript (unofficial is fine; minimum GPA 3.0)
For more information, contact Caitlin Blomquist at firstname.lastname@example.com or 206.616.1613.
*Please note, effective 2017-18: the International Development Certificate Program is primarily designed for UW graduate students outside of the Evans School. Evans School MPA students interested in pursuing a transcriptable option in international development are encouraged to pursue the International Development Program Option, which may be completed within the 72 credits required for the MPA degree. Evans School MPA students may apply for the International Development Certificate Program, however, completion of both the MPA and certificate program will require 84 or more total credits (as no more than 6 credits can be shared between one's degree program and certificate program). Evans School students are encouraged to consult with Student Services staff with any questions.


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Working in IT today is a balancing act. Chances are, you've had to learn how to keep up with cutting-edge developments while simultaneously maintaining legacy systems that belong in the world of ten years ago. And if you're still using passwords as your primary authentication method, you're probably also still dealing with password reset requests—a drain on time and IT resources that should have gone by the wayside a long time ago. Here's what you could be doing if your authentication solution lifted the password burden from your department's bandwidth:
Unpatched and outdated software is basically a welcome mat for black hats. But keeping everything perfectly patched (especially if you're dealing with legacy systems) is easier said than done. It can be time consuming, and forced downtime for updates may have other departments up in arms. If you had more time to devote to strategically scheduling essential updates to accommodate the needs of more users, that sure would be nice.
If you barely have time to take lunch because helpdesk tickets for resets keep rolling in, you probably don't have time to demo new cybersecurity solutions. What a pity! The best cybersecurity solution is the one that fits your needs (not someone else's) so ample demo time is key.
Bringing in a red team can be a great way to spot vulnerabilities in your systems. The best use of a red team is a spur-of-the-moment simulated cyberattack. It's valuable practice for your people and can give you a more accurate picture of your department's capabilities and responses. But if the only enemy you have time to fight off is the horde of password reset tickets flooding your inbox, it may be time to find a solution that takes that task off your plate.
When was the last time you did an extensive evaluation of your capabilities and vulnerabilities? Has password handholding completely monopolized the hours you'd otherwise earmark for more proactive measures? Not only is that a bummer, it may also leave you in regulatory hot water. Regular evaluations of your cybersecurity are part of the regulatory requirements for both banks and credit unions, no matter how scarce time may be.
IT has a new role in today's business. You're not just the people who keep the fax machine working—you're embedded in marketing and customer service through your efforts to maintain and improve cloud systems, apps, and employee access. What you do directly affects service levels and customer satisfaction. Period. So why should you be stuck helping Margery in HR reset her password for the 3rd time this week? (Bless her heart.)
You probably subscribe to regular updates on the state of cybersecurity. However, it's unlikely you have time to read all of them, considering you're constantly helping locked out users log on. This is great news for crooks targeting your organization, but bad news for everyone else. You'd definitely have your finger on the pulse and get caught up to emerging threats if you weren't so swamped with password nonsense.
Being proactive and educating your users is a big boon to your organization's cybersecurity posture. The more users assimilate cybersecurity best practices, the better. Unfortunately, your users are burdened with 16 digit alphanumeric passwords (with 2 symbols—not including ! or #) that they forget at least once every week. Their RAM is being used up remembering what they should type just to get into the system—and yours is being used up helping them when they can't. Not cool!
Think for a minute: who has a better idea of your organization's technological shortfalls and capabilities than you? And who is better equipped to help implement realistic changes to your IT ecosystem that can make things run more smoothly? No one! That's why being bogged down with help desk tickets for password resets is probably the worst possible use of your time. You're needed elsewhere.
In most organizations, employee intranet is the bleakest aspect of the IT ecosystem. Resources are typically allocated towards making front-facing systems look polished, run smoothly, and provide an up-to-date online customer experience. Meanwhile, users who log on to your intranet may feel like they've gone back in time. Wouldn't it be nice if you had more time to bring that dark corner of your organization into the light of 2018?
With all the time you could free up if passwords weren't an issue anymore, you could probably team up with your department and create an AI to do all of your work for you. That would give you time to slip away to somewhere with sun, waves, and piña coladas. You'd just need to rig up a Ferris Bueller-style mannequin in your respective offices to keep people from getting too suspicious. We're mostly kidding.
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Visit the official VigRx Plus website
The zeal and passion of a man subsides with time and that is why we suffer from erectile dysfunction. Continue reading to know how you can get it back and live typically again.Are you suffering from erection issues? Do you feel that you have lost your strength throughout the previous few years? If you say yes to these questions then you too are struggling with which one out of 5 males suffer in this world. The zeal and passion of a guy subsides with time and that is why we suffer from impotence. There are some other factors like stress and anxiety, poor health and depression which are connected to this male disorder and therefore one may opt for a range of remedies for treating it.
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