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Appendix D
Biographical Sketches of Committee Members and Staff
Gerald T. Keusch, M.D., FRCP (Co-Chair), is a graduate of Columbia College and Harvard Medical School. He has been involved in academic medicine for his entire career, currently as a professor of medicine and global health at Boston University, where he serves as an associate director of the National Emerging Infectious Diseases Laboratory. Prior to this he was the chief of the Division of Geographic Medicine and Infectious Diseases at Tufts Medical Center in Boston from 1979 to 1998 and the associate director for international research and the director of the Fogarty International Center at the U.S. National Institutes of Health from 1998 to 2004. Dr. Keusch is a fellow of the Infectious Diseases Society of America and an elected member of the American Society for Clinical Investigation, the Association of American Physicians, and the National Academy of Medicine, where he has served on the Board on Global Health and the Forum on Microbial Threats and co-chaired an Institute of Medicine/ National Research Council report, Sustaining Global Surveillance and Response to Emerging Zoonotic Diseases, released in September 2009. He has experience in both laboratory and clinical field research on infectious diseases in Latin America, Africa, and Asia. He has been a member of multiple committees for the Tropical Diseases Research Program at the World Health Organization and the Wellcome Trust, including a recent review committee for the Wellcome Trust on Global Clinical Trials.
Keith McAdam, DL, MB BCh, FRCP, FWACP (Co-Chair), is the founding director of the Infectious Diseases Institute (2004–2007) at Makerere University in Kampala, Uganda. He is an emeritus professor of clinical tropical medicine at the London School of Hygiene & Tropical Medicine, where he was a professor of clinical tropical medicine from 1985 to 2004. From 1994 to 2003 Dr. McAdam was seconded to West Africa to serve as director of the UK Medical Research Council Laboratories in the Republic of The Gambia. Dr. McAdam grew up in Uganda, where his father, Sir Ian McAdam, was a professor of surgery at Makerere. He did his schooling in Kenya and went on to study medicine at Cambridge University and the Middlesex Hospital in London. After training in internal medicine in London, he spent 3 years at the Institute of Medical Research in Papua New Guinea, working on leprosy, malaria, and filariasis as causes of secondary amyloidosis. For 2 years, from 1975 to 1977, Dr. McAdam developed his laboratory and clinical research focus on inflammation, acute phase proteins, and cytokines at the Immunology Branch of the National Cancer Institute in Bethesda, Maryland, and he continued this focus over the next 7 years in Boston as a clinical scientist in the Department of Medicine at Tufts New England Medical Center. Dr. McAdam was medical advisor to the UK Parliamentary Select Committee on AIDS in 1987 and a member of the Nuffield Council on Bioethics working party that produced an authoritative publication, The Ethics of Healthcare Related Research in Developing Countries. He has been associate international director at the Royal College of Physicians in London and is currently its special advisor on East Central and Southern Africa. He has just rotated off the International Board of the African Medical and Research Foundation and is currently on the board of trustees of the charity BBC Media Action.
Abdel Babiker, Ph.D., received his doctoral degree in mathematical analysis from the University of London. In the 1980s he worked on a number of cancer studies at the Institute of Cancer Research and with the Imperial Cancer Research Fund. He joined the MRC HIV Clinical Trials Centre (HIV CTC) as deputy head in 1992 and was directly responsible for overseeing all statistical aspects of the center's research program. When the HIV CTC became part of the MRC Clinical Trials Unit in 1998, he was appointed head of the HIV Group. HIV research has expanded greatly since 1998, through wider national and international collaborations addressing key questions in treatment and prevention of HIV, and has affected international guidelines for the treatment of HIV. Dr Babiker is a member of the executive committee of the International Network for Strategic Initiatives in Global HIV Trials (INSIGHT) and co-chair of the START study. He is a fellow of the Royal Statistical Society and the World Academy of Sciences for the advancement of science in the developing world and has served as
associate editor for Sexually Transmitted Infections and Controlled Clinical Trials.
Mohamed Bailor Barrie, M.B.Ch.B., grew up in poverty in rural Sierra Leone. After finishing secondary school, he received one of two scholarships in the country to study medicine at the College of Medicine and Allied Health Sciences in Freetown, Sierra Leone. Dr. Barrie trained in general medicine, building his skills in all areas of medicine. The civil war in Sierra Leone forced him to suspend his studies, and, after 1 year as a refugee in neighboring Guinea, he graduated with his degree in medicine in 2004. After obtaining his degree Dr. Barrie worked as a medical officer at a rural nonprofit hospital and was one of four physicians in his graduating class to continue to practice medicine in Sierra Leone. He has also acted as a consultant for UNICEF and the World Health Organization. In 2006 Dr. Barrie co-founded and became the executive and medical director of Wellbody Alliance, a nonprofit health care organization based in Kono District, Sierra Leone. His current role there is as chief strategic officer. Dr. Barrie is the recipient of the 2013 Grace Humanitarian Award from Thomas Jefferson University. For 2013–2015, Dr. Barrie was awarded a Fulbright Fellowship to study global health delivery at Harvard University.
Janice Cooper, Ph.D., M.P.A., is the country lead for the Liberia Mental Health Initiative. She oversees a national training, policy, and support program to expand capacity for mental health services delivery. She also is responsible for interacting with national and international colleagues and partners of the program. During the Ebola outbreak in Liberia she led the psychosocial pillar for the Incident Management System, the national Ebola virus disease response system. A native Liberian and health services researcher specializing in children's mental health, Dr. Cooper has worked in the private, public, and nonprofit sectors in the United States and Liberia. Prior to joining The Carter Center in 2010, Dr. Cooper was the interim director of the National Center for Children in Poverty as well as an assistant clinical professor in health policy and management at Columbia University's Mailman School of Public Health. From 2005 to 2009, she also served as the center's director of child health and mental health, receiving the distinguished Calderone Prize for Junior Faculty in 2007. Dr. Cooper received her Ph.D. in health policy from Harvard University. She was a 2001 fellow in medical ethics at Harvard Medical School and a 1999 Archibald Bush Foundation Leadership Fellow. She holds additional undergraduate and graduate degrees from the University of Essex in Colchester, England, and Columbia and Harvard Universities in the United States. In 2016 she received the Beyond Health Award from Boston University.
Sheila Davis, D.N.P., ANP-BC, FAAN, is the chief of Ebola response and the chief nursing officer at Partners In Health (PIH), for which she led the Ebola response efforts in Sierra Leone and Liberia. At peak of the effort, PIH was operating in collaboration with the ministries of health at over 20 facilities for the screening and treatment of Ebola. Currently she is leading the effort to transition from Ebola response to health system strengthening in Liberia and Sierra Leone as part of PIH's long-term commitment to both countries. Dr. Davis has been a nursing leader in the field of HIV/AIDS since its emergence in the mid-1980s, and she served on the national board of the Association of Nurses AIDS Care (ANAC). She entered the global health arena in 1999 when she began working for Partners AIDS Research Center as part of Massachusetts General Hospital on community outreach and HIV treatment efforts. Partnering with global nursing colleagues, she co-founded a small nongovernmental organization that worked in South Africa and Boston from 2004 to 2010 on health projects including a rural village nurse clinic and an urban vulnerable-children feeding program.
Dr. Davis received her B.S.N. from Northeastern University in 1988, her masters in nursing as an adult nurse practitioner from the MGH Institute of Health Professions in 1997, and her doctorate in nursing practice with a concentration in global health in 2008 also from the MGH Institute of Health Professions. She was a faculty member at the School of Nursing at the MGH Institute of Health Professions for 4 years and an adult nurse practitioner at MGH Infectious Diseases outpatient practice for over 15 years. She is currently adjunct faculty at the University of California, San Francisco, School of Nursing.
Inducted as a fellow of the American Academy of Nursing in 2008, Dr. Davis is a frequent national speaker on global health, clinical topics including Ebola and HIV/AIDS, and the role of nursing in human rights. In 2009 she was inducted as one of the inaugural class of 12 Carl Wilken's Fellows working on antigenocide global efforts as part of the Genocide Intervention Network. Dr. Davis has published in a number of domestic and global journals and is on the editorial board of Health and Human Rights: An International Journal. She was part of the 2012 cohort of the Robert Wood Johnson Executive Nurse Fellowship, a 3-year fellowship that prepares 20 national nursing leaders to contribute to the national health care strategy.
Kathryn Edwards, M.D., is the Sarah H. Sell and Cornelius Vanderbilt Professor of Pediatrics at the Vanderbilt University School of Medicine. She graduated from the University of Iowa College of Medicine and completed her pediatric residency and infectious disease fellowship at Northwestern University and her postdoctoral training in immunology at Rush Medical
School in Chicago. Dr. Edwards joined the Vanderbilt Vaccine Program in 1980. She has had an extensive experience in leading National Institutes of Health (NIH)-funded and Centers for Disease Control and Prevention (CDC)-funded multicenter investigations and in conducting pivotal Phase I, II, and III clinical trials on vaccines and therapeutics. In 1998 Dr. Edwards was awarded a contract from the CDC to conduct active population-based surveillance to monitor the impact of newly licensed vaccines, which evolved into the existing New Vaccine Surveillance Network. She has also led the CDC-funded Center for Immunization Safety Assessment (CISA) to monitor the safety of vaccines. In 2012 Dr. Edwards conducted comprehensive pneumonia surveillance studies in children and adults.
Dr. Edwards has served on many CDC, NIH, World Health Organization, and Infectious Diseases Society of America (IDSA) committees. She received the IDSA Mentor Award in 2006, the Distinguished Physician Award from the Pediatric Infectious Diseases Society in 2011, the Maureen Andrew Mentoring Award from the Society for Pediatric Research in 2014, and the Charles Mérieux Award in Vaccinology from the National Foundation for Infectious Diseases in 2016. In 2008 she was elected to the National Academy of Medicine.
Susan Ellenberg, Ph.D., joined the biostatistics faculty at the University of Pennsylvania as a professor of biostatistics in the fall of 2004. She also has a secondary appointment in the Department of Medical Ethics and Health Policy. Dr. Ellenberg directs the Biostatistics Core for the Penn Center for AIDS Research and is also collaborating on projects in pulmonary research, breast cancer, anesthesiology, endocrinology, and HIV. Prior to arriving at Penn, Dr. Ellenberg held leadership positions at the U.S. National Institutes of Health and the U.S. Food and Drug Administration. Her areas of research have included surrogate endpoints for treatment effects in clinical trials, operational issues for data monitoring committees, clinical trial designs, adverse event monitoring, vaccine safety, and special issues in cancer and AIDS trials. Dr. Ellenberg is a fellow of the American Statistical Association, the Society for Clinical Trials, and the American Association for the Advancement of Science and is an elected member of the International Statistical Institute. She has served as the president of the Eastern North American Region of the International Biometric Society and of the Society for Clinical Trials and also as the chair of the board of trustees of the National Institute of Statistical Sciences. She is an associate editor of Clinical Trials and the Journal of the National Cancer Institute. Her book Data Monitoring Committees in Clinical Trials: A Practical Perspective, co-authored with Drs. Thomas Fleming and David DeMets, was named Wiley Europe Statistics Book of the Year for 2002.
Roger Lewis, M.D., Ph.D., received a doctorate in biophysics and a medical degree from Stanford University. He is a professor at the David Geffen School of Medicine at the University of California, Los Angeles (UCLA), and the chair of the Department of Emergency Medicine at Harbor–UCLA Medical Center. Dr. Lewis's expertise centers on adaptive and Bayesian clinical trials, including platform trials; translational, clinical, health services, and outcomes research; interim data analysis; data monitoring committees; and informed consent in emergency research studies.
In 2009 Dr. Lewis was elected to membership in the National Academy of Medicine. He is a past president of the Society for Academic Emergency Medicine, a current member of the board of directors for the Society for Clinical Trials, and the senior medical scientist at Berry Consultants, LLC, a group that specializes in adaptive clinical trials.
Dr. Lewis has served as a grant reviewer for the Agency for Healthcare Research and Quality, the Canadian Institutes of Health Research, the U.S. Centers for Disease Control and Prevention, the National Cancer Institute of France, the U.S. National Institutes of Health, the Patient-Centered Outcomes Research Institute, and foundations. He is also a member of the Medicare Evidence Development & Coverage Advisory Committee of the Centers for Medicare & Medicaid Services. Dr. Lewis serves as the chair of data and safety monitoring boards for both federally funded and industry-sponsored clinical trials, including international trials. He is a research methodology reviewer for JAMA and an editor of the JAMA series titled "JAMA Guides to Statistics and Methods." He has served as a content reviewer for many other peer-reviewed journals. He has authored or coauthored more than 200 original research publications, reviews, editorials, and chapters.
Alex John London, Ph.D., is a professor of philosophy and the director of the Center for Ethics and Policy at Carnegie Mellon University. Professor London is an elected fellow of the Hastings Center and a recipient of the Distinguished Service Award from the American Society of Bioethics and Humanities.
Dr. London's research focuses on foundational ethical issues in human-subjects research, issues of social justice in the transnational context, and on methodological issues in theoretical and applied ethics. His papers have appeared in Mind, Science, The Lancet, PLoS Medicine, Statistics in Medicine, The Hastings Center Report, and numerous other journals and collections. He is co-editor of Ethical Issues in Modern Medicine, one of the most widely used textbooks in medical ethics.
In 2012 he joined the working group on the revision of the Council for International Organizations of Medical Sciences 2002 International Ethical Guidelines for Biomedical Research Involving Human Subjects, and in 2011
he was appointed to the steering committee on forensic science programs for the International Commission on Missing Persons. Since 2007 he has served as a member of the ethics working group of the HIV Prevention Trials Network. He has testified before the Presidential Commission for the Study of Bioethical Issues and has been commissioned to write papers for the Centers for Disease Control and Prevention and the Institute of Medicine. He has served as an ethics expert in consultations with numerous national and international organizations including the U.S. National Institutes of Health, the World Health Organization, the World Medical Association, and the World Bank.
Jens Lundgren, M.D., D.M.Sc., is a professor of infectious diseases and a practicing infectious disease specialist. He founded and directs the Centre of Excellence for Health, Immunity and Infections at the Department of Infectious Diseases, based at the Copenhagen University Hospital (Rigshospitalet), University of Copenhagen, where he also directs the Centre of Excellence for Personalized Medicine of Infectious Complications in Immune Deficiency, serves as a member of the executive committee of the NIH/NIAID-funded International Network for Strategic Initiatives in Global HIV Trials (INSIGHT) network, chairs its scientific steering committee, and is co-principal investigator for the START study. He is co-editor-in-chief of the HIV Medicine journal and was awarded the European AIDS Clinical Society Award for Excellence in HIV Medicine in 2015. He is a member of the American Society of Clinical Investigation and the Association of American Physicians. His list of publications over the past three decades in the scientific literature is extensive, and he has mentored several younger colleagues in their research development.
Michelle M. Mello, J.D., M.P.H., is a professor of health research and policy at Stanford University School of Medicine and a professor of law at Stanford Law School. She holds doctoral degrees in law and health policy and conducts research on issues at the intersection of health policy, law, and bioethics. Ms. Mello's scholarship includes work on ethical issues arising in industry-sponsored clinical trials, legal and ethical barriers to clinical trial data sharing, legal concerns as a hindrance to clinical volunteerism during the Ebola epidemic, and a range of legal and ethical issues in pharmaceutical regulation and human-subjects research. For 7 years she served as the chair of the institutional review board at the Harvard School of Public Health, which is responsible for oversight of numerous clinical trials in African countries.
Olayemi Omotade, M.B.B.S., M.A., FMCPaed, FRCPCH, is a professor of pediatrics and child health at the Institute of Child Health, College of Medicine, University of Ibadan. He is a consultant pediatrician to the Uni-
versity College Hospital, Ibadan, Nigeria. As part of his residency training in pediatrics at the University College Hospital, he was on attachment to the University Hospital of Wales, Cardiff, where he was trained as a clinical geneticist.
At the Institute of Child Health, his research interests span community/ preventive pediatrics, and while combining this with his clinical genetics, he has been able to carry out research on infectious and communicable diseases. He has been involved in program planning and monitoring with international organizations including the World Health Organization (WHO), the United Nations International Children's Fund, and the United Nations Development Programme both at the country and international levels.
Through a Fogarty Fellowship (2001–2002) he was able to undertake a course of study leading to the award of a master of arts at Case Western Reserve University, Cleveland, Ohio, during which he was instrumental to the drawing up of the initial works for Nigeria's national ethical guidelines. He was for some time a member of the National Ethics Review Board for Nigeria as well as for the Joint IRC University of Ibadan/University College Hospital. He has more than 80 publications in international and regional journals, and he is a member of many professional associations including the Paediatrics Association of Nigeria, American Society for Bioethics and Humanities, Puebla Group of Networks Collaborating on Health Research for Development, Clinical Genetics Society of Great Britain, and International Association for Tropical Paediatrics. He is the foundation director for the Centre for HIV/AIDS Intervention, Nigeria (CEHAIN). He has also coordinated several studies for the Nigerian Academy of Sciences, and he has been a reviewer for several books and journals, including reviewing some chapters of two books for the Institute of Medicine.
He is also a member of the task force Multilateral Initiative on Malaria (MIM)/Special Programme for Research and Training in Tropical Diseases (TDR)/WHO, the scientific review committee for the European & Developing Countries Clinical Trials Partnership (EDCTP), for the EDCTP Senior Fellowships Training Awards, and the WHO/MIM/TRD Task Force on Malaria Research Capability Strengthening in Africa. Dr. Omotade is also a member of several expert technical groups, including the WHO expert technical group on Intermittent preventive treatment in infants, and the international advisory board of the Institute for Research on Unlimited Love.
He has been on the University College Hospital board of management (2010–2015), and he is a member of the National Child Health Technical Working Group (2015 to date). He has been the chairman of the postgraduate committee at the College of Medicine, University of Ibadan, since 2010.
David H. Peters, M.D., M.P.H., Dr.P.H., is a specialist in international health systems who has worked as a researcher, policy advisor, educator,
bureaucrat, manager, and clinician in a number of developing countries over the past 25 years and has been on faculty at Johns Hopkins University since 2001. At Johns Hopkins he oversees a department of more than 150 full-time faculty and about 300 graduate students who are involved in more than 250 projects around the world. He is the research director for the Future Health Systems research consortium, which is working to improve access to and the affordability and quality of health services for the poor, with field sites in five countries in Africa and Asia. He led the development and implementation of the first national Balanced Scorecard to assess and manage health services (in Afghanistan) and conducted research that directly led to the ending of user fees in primary care facilities. He is currently leading a program to strengthen public health systems in Liberia in the wake of the Ebola epidemic. He has written 7 books and more than 100 scientific articles, mostly focusing on health systems in low- and middle-income countries. His teaching and research focus on the performance of health systems; implementation research methods; poverty and health systems; innovations in organization, technology, and financing of health systems; the role of the private sector; human resource management; and ways to use donor assistance to strengthen local capacity in low-income countries.
While at the World Bank as a senior public health specialist, he pioneered the development of sector-wide approaches (SWAps) in health, with the purpose of improving national leadership and coherence over health strategies and improving coordination and accountability of policy implementation. In India he led a research program that included local researchers, government, and civil society in examining health systems and inequities and which was used as a basis for new policies and major programs to improve access and financing for health, notably the Rural Health Mission.
He is the chair of the board of the World Health Organization Alliance for Health Policy and Systems Research, is a member of the scientific advisory board for the President's Emergency Plan for AIDS Relief (PEPFAR), and has served on advisory and technical bodies for the Canadian Institutes of Health Research–Institute of Population and Public Health; Gavi (The Vaccine Alliance); the Global Fund to Fight AIDS, Tuberculosis and Malaria; and the World Economic Forum.
Fred Wabwire-Mangen, M.B.Ch.B., DTM&H, M.P.H., Ph.D., was trained in human medicine at Makerere University, in tropical medicine at Liverpool University, and in immunology and infectious diseases and infectious disease epidemiology at Johns Hopkins University, where he obtained a Ph.D. in 1994. He is an associate professor of epidemiology and public health at the Makerere University School of Public Health, where he teaches infectious disease epidemiology, intervention trials, and health services research. He
also has a secondary appointment as a senior research scientist and executive chair at the Makerere University Walter Reed Project (MUWRP). MUWRP is one of the few projects that is conducting Ebola and Marburg vaccine trials in Uganda. Dr Wabwire-Mangen has more than 25 years of conducting research on emerging and reemerging diseases of public health importance in Uganda, including malaria, sexually transmitted infections, HIV/AIDS, influenza, and other emerging viral infections. He also has demonstrated experience leading and managing multidisciplinary research teams. He served as a co-investigator on a cluster randomized trial on sexually transmitted disease control for AIDS prevention and on an individual randomized controlled trial on male circumcision for HIV prevention while working at the Rakai Health Sciences Project between 1994 and 2008, and also served as co-investigator of a Phase 2 and a Phase 2a HIV vaccine trial at MUWRP. As principal investigator of the Surveillance of Influenza Viruses among Human and Non-Human Hosts in Uganda study and the Antimicrobial Resistance Surveillance in Uganda study, funded by Global Emerging Infections Surveillance, Dr. Wabwire-Mangen leads a team of medical doctors, laboratorians, epidemiologists, veterinarians, ornithologists, and other scientists. Dr. Wabwire-Mangen has published widely on public health issues in peer-reviewed journals.
Charles D. Wells, M.D., currently serves as the head of development and the associate vice president for the Infectious Diseases Therapeutic Unit at Sanofi, based in Bridgewater, New Jersey, having joined the organization in September 2015. Prior to joining Sanofi he served as the senior medical director for the Novel Product Opportunities group at Otsuka Pharmaceuticals in Rockville, Maryland. He joined Otsuka in May 2007 to provide the medical and clinical leadership for developing Otsuka's antituberculosis compound, delamanid, which was successfully registered as Deltyba® in 2014 in the European Union, Japan, and Korea for treatment of multidrug resistant (MDR) tuberculosis (TB). In his role at Otsuka he oversaw the clinical development program for delamanid, including clinical operations charged with conducting the global clinical trials in 14 countries across 5 continents, and served on the regulatory submission team responsible for the product's registration. Additionally, he led the publication strategy for reporting results from the clinical development trials for delamanid and led the data submission process to the World Health Organization required for development of interim global guidelines for the use of delamanid in MDR-TB treatment.
Prior to joining Otsuka, he served as the chief of the International Research and Programs Branch of the Division of Tuberculosis Elimination at the U.S. Centers for Disease Control and Prevention (CDC) during 2000–2007. The branch he led at CDC conducted extensive epidemiologic,
clinical, and diagnostics research on TB which fed supportive data into evolving global policy and provided direct technical assistance internationally for implementation and scale-up of public health programs for control of TB, HIV-associated TB, and MDR-TB in sub-Saharan Africa, Southeast and South Asia, Eastern Europe, and South America. During this time he also served as CDC's lead representative on the strategic advisory group for the STOP-TB Department at the World Health Organization (WHO) and also the U.S. Agency for International Development (USAID)-supported TB Coalition for Technical Assistance. Additionally, he served as a technical expert on disease control program reviews in numerous countries for the WHO, USAID, and the President's Emergency Plan for AIDS Relief (PEPFAR).
Early in his career he began work in clinical development serving as a research associate at Burroughs Wellcome and Glaxo in Research Triangle Park, North Carolina, in the late 1980s and as an associate medical director at PathoGenesis Corporation in Seattle, Washington, in the late 1990s working on clinical development for anti-infectives, including new drugs for TB.
He is a native of North Carolina and attended North Carolina State University where he received a bachelor of science degree in chemical engineering in 1987. He then completed his medical studies at the University of North Carolina at Chapel Hill in 1992 and his postgraduate medical training in internal medicine and infectious diseases at Emory University and the CDC in Atlanta from 1992 to 1998.
Janet Darbyshire, CBE FMedSci, joined the UK Medical Research Council Tuberculosis and Chest Diseases Unit, after training in respiratory medicine, to coordinate a program of clinical trials and observational epidemiological studies in East Africa and the United Kingdom which led to the short-course chemotherapy regimens which are now the basis of tuberculosis treatment worldwide. She subsequently moved into HIV research at the time when the first antiretroviral drugs were becoming available and led the MRC HIV Clinical Trials Centre, developing a program of clinical trials and observational studies in the United Kingdom and in collaboration with research groups across Europe, Australia, and North and South America and subsequently in Africa.
In 1998 Ms. Darbyshire became the Director of the newly established MRC Clinical Trials Unit (CTU) which incorporated the HIV program and the MRC Cancer Trials Office. The remit of the CTU also extended into other disease areas where there was no strong tradition of clinical trials, such as arthritis and blood transfusion. She retired as director of the CTU in March 2010 but the Unit continues directed by Professor Max Parmar.
In 2005 with Professor Peter Selby she became Joint Director of the UK Clinical Research Network (UKCRN) coordinated jointly between the MRC CTU and the University of Leeds. The UKCRN (which became the NIHR CRN) was set up to support both commercial and noncommercial research in the United Kingdom by providing clinical infrastructure in the NHS. The aim was to increase the quality and quantity of clinical research with the overall goal of improving both the health and wealth of the United Kingdom. They retired as Joint Directors in September 2010 and Dr. Jonathan Sheffield has been appointed as Chief Executive.
She has been involved in drug regulation for many years initially on the Committee on Safety of Medicines and then on the Commission on Human Medicines which replaced it. She has served on many research and funding committees and advisory boards and on the World Health Organization and other expert committees as well as numerous trial oversight, data monitoring, and scientific advisory committees. Although she has never lived in Africa she has spent much time there as much of her career has involved collaborative research in resource-poor countries to improve the treatment initially of tuberculosis and subsequently of HIV infection although the two are inextricably linked.
Erin Hammers Forstag, J.D., M.P.H., is a writer, consultant, and attorney in the public health and nonprofit arenas. She received her law degree from Georgetown University Law Center, and her master's of public health from Columbia University. She currently serves as the executive director of Common Good Consulting, which she founded in order to provide small nonprofits with legal, policy, and strategic guidance. She has worked on issues including school food, factory farming, and disaster recovery, and has authored several papers on the intersection between public health and the First Amendment. Erin served as a health volunteer in the Peace Corps in Uzbekistan in 2003.
Michael J. Berrios is a senior program assistant on the Board of Health Sciences Policy of the National Academies of Sciences, Engineering, and Medicine. Mr. Berrios joined the National Academies in 2014 and has worked on the consensus studies Sharing Clinical Trial Data: Maximizing Benefits, Minimizing Risk and Mitochondrial Replacement Techniques: Ethical, Social, and Policy Considerations. He is currently working on the Forum on Drug Discovery, Development, and Translation. Mr. Berrios received a B.A. in international relations from Michigan State University and is currently a candidate for a master's in Asian studies from the George Washington University.
Emily R. Busta, M.S., is an associate program officer on the Board on Health Sciences Policy of the National Academies of Sciences, Engineering, and Medicine. Ms. Busta joined the National Academies staff in October 2014 as staff on the Forum for Drug Discovery, Development, and Translation. Prior to joining the National Academies, she held positions as a research assistant in a placentology lab at the University of Colorado and as a Toxicology Review Fellow at the Center for Food Safety and Applied Nutrition (CFSAN), U.S. Food and Drug Administration. At CFSAN she helped develop and test predictive computational toxicology models and assisted in the safety review of new food contacts. Ms. Busta holds a master's of science degree in biomedical basic sciences from the University of Colorado at Denver–Anschutz Medical Campus and a bachelor of science degree in molecular toxicology from the University of California, Berkeley.
Anne B. Claiborne, J.D., M.P.H., is a senior program officer in the Board on Health Sciences Policy of the National Academies of Sciences, Engineering, and Medicine, where she is staff director of the Forum on Drug Discovery, Development, and Translation and was the responsible staff officer for Integrating Clinical Research into Epidemic Response: The Ebola Experience. She has advised or worked on numerous studies and projects relating to drug discovery and development, clinical research, and biomedical ethics, including Mitochondrial Replacement Techniques: Ethical, Social, and Policy Considerations; Global Health Risk Framework: Research and Development of Medical Products: Workshop Summary; and Sharing Clinical Trial Data: Maximizing Benefits, Minimizing Risk. Before joining the National Academies in April 2010, Ms. Claiborne was a practicing health care attorney in the Washington, DC, office of an international law firm. Ms. Claiborne received her bachelor of arts degree, with distinction, from Stanford University; her juris doctorate, cum laude, from Harvard Law School, where she was an editor of the Harvard Law Review; and her M.P.H. from the Johns Hopkins Bloomberg School of Public Health, where she was elected to the Delta Omega honorary society. Prior to her graduate studies, Ms. Claiborne spent several years working in public health planning and health services research at the San Francisco Department of Public Health and at the University of California, San Francisco.
Patricia A. Cuff, M.S., M.P.H., is a senior program officer for the Board on Global Health within the Health and Medicine Division of the National Academies of Sciences, Engineering, and Medicine. Her roles involve directing the Global Forum on Innovation in Health Professional Education, and co-directing the study on Clinical Trials During the 2014–2015 Ebola Outbreak. She was the Country Liaison to the Uganda National Academy
of Sciences where she worked for 11 years with African academy staff and members in developing their capacity to provide evidence-based science advice to their governments and to their nations. Prior to her role with the African academies, she was the Study Director for the Committee on the Options for Overseas Placement of U.S. Health Professionals and with the Board on Neuroscience and Behavioral Health. Ms. Cuff joined the National Academies staff to work on the report Emerging Microbial Threats to Health in the 21st Century under the Board on Global Health. Before coming to Washington, DC, Ms. Cuff worked at St. Luke's-Roosevelt Hospital Center in New York City in the field of HIV nutrition as a counselor, researcher, and lecturer on topics of adult and pediatric HIV. She received an M.S. in nutrition and an M.P.H. in population and family health from Columbia University, and performed her undergraduate studies at the University of Connecticut.
Michelle Mancher, M.P.H., is a program officer on the Board on Health Sciences Policy of the National Academies of Sciences, Engineering, and Medicine. She served as staff co-Director for the Integrating Clinical Research into Epidemic Response: The Ebola Experience report and liaison for the Sharing Clinical Trial Data Action Collaborative. Ms. Mancher joined the National Academies in 2009, and has since worked on many consensus studies and workshops related to health care services delivery, clinical trial data sharing, and medical product research and development, including Initial National Priorities for Comparative Effectiveness Research; Clinical Practice Guidelines We Can Trust; Variation in Health Care Spending: Target Decision Making Not Geography; Sharing Clinical Trial Data: Maximizing Benefits, Minimizing Risk; and Global Health Risk Framework: Research and Development of Medical Products: Workshop Summary. Prior to joining the National Academies, Ms. Mancher held positions at the Arthritis Foundation: Metro DC Chapter, Clinton Foundation's Alliance for a Healthier Generation and the New York City Health and Hospital Corporation's office of managed care. Ms. Mancher holds a master's in public health in health care management and policy from Columbia University, and a bachelor of arts in international relations from the George Washington University.
Julie Pavlin, M.D., Ph.D., M.P.H., is the director, Board on Global Health, Health and Medicine Division, the National Academies of Sciences, Engineering, and Medicine. Prior to joining the National Academies, she was the Research Area Director for Emerging Infectious Diseases and Antimicrobial Resistance and Deputy Research Area Director for HIV at the Infectious Disease Clinical Research Program, part of the Uniformed Services University, and before that the Deputy Director of the Armed Forces
Health Surveillance Center. She is a retired Colonel in the U.S. Army and previous assignments included the Chief of the Global Emerging Infections Department at the Armed Forces Research Institute of Medical Sciences in Bangkok, Thailand, where she developed surveillance programs for infectious diseases in Asia, the Chief of the Field Studies Department at the Walter Reed Army Institute of Research where she played a pivotal role in developing the Electronic Surveillance System for the Early Notification of Community-based Epidemics (ESSENCE), the U.S. Department of Defense real-time surveillance system, and Assistant Chief of the Operational Medicine Division at the U.S. Army Medical Research Institute for Infectious Diseases. Dr. Pavlin received her A.B. from Cornell University, her M.D. from Loyola University, her M.P.H. from Harvard University, and her Ph.D. in emerging infectious diseases at the Uniformed Services University.
Andrew M. Pope, Ph.D., is director of the Board on Health Sciences Policy of the National Academies of Sciences, Engineering, and Medicine. He has a Ph.D. in physiology and biochemistry from the University of Maryland and has been a member of the National Academies staff since 1982 and of the Health and Medicine Division staff since 1989. His primary interests are science policy, biomedical ethics, and environmental and occupational influences on human health. During his tenure at the National Academies, Dr. Pope has directed numerous studies on topics that range from injury control, disability prevention, and biologic markers to the protection of human subjects of research, National Institutes of Health priority-setting processes, organ procurement and transplantation policy, and the role of science and technology in countering terrorism. Since 1998, Dr. Pope has served as Director of the Board on Health Sciences Policy, which oversees and guides a program of activities that is intended to encourage and sustain the continuous vigor of the basic biomedical and clinical research enterprises needed to ensure and improve the health and resilience of the public. Ongoing activities include Forums on Neuroscience, Genomics, Drug Discovery and Development, and Medical and Public Health Preparedness for Disasters and Emergencies. Dr. Pope is the recipient of the Health and Medicine Division's Cecil Award and the National Academy of Sciences' President's Special Achievement Award.
Olivia C. Yost, M.S., is a research associate on the Board on Health Sciences Policy of the National Academies of Sciences, Engineering, and Medicine. She provided research support to the consensus report Integrating Clinical Research into Epidemic Response: The Ebola Experience, as well as the Committee on Preventing Dementia and Cognitive Impairment and the Committee on Issues in Organ Donor Intervention Research. Prior to joining the National Academies in 2015, Ms. Yost worked as a research officer
for ARCHIVE Global, a global health organization based in New York City, where she oversaw the implementation of monitoring and evaluation programs and field studies focused on the deployment of environmental strategies for malaria, tuberculosis, and gastrointestinal infection control in Haiti, Cameroon, and Bangladesh. Ms. Yost received her M.S. in the control of infectious diseases from the London School of Hygiene & Tropical Medicine in 2012. Her graduate research focused on developing alternative methodologies for assessing small-scale wastewater infrastructure decay in rural Alabama. She received her B.A. in history and communications from Franklin University in Switzerland in 2011.


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Board of Directors
Hail Damage Claim and "Blue Markings"
Some of you may have noticed some blue markings on the siding of your unit recently. These blue markings are
related to an appraisal of damage for the on-going insurance claim for hail damage to the siding and soft metals. The blue chalk should wash off in the next major rain storm. If you would like to clean it yourself, go on ahead! Unfortunately at this point, this is all the information that can be provided. We hope to be able to provide a more detailed up in the near future, here on the blog or at the next board of directors meeting.

subset: commoncrawl


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My mother-in-law forced me to host for the holidays – she invited 20 people without asking but that's not the worst part
A FRUSTRATED wife's mother-in-law forced her to host for the holidays and even invited 20 guests to her home - but that wasn't the worst part of one woman's holiday tale.
"I don't stress easily. But I'm at my breaking point," the woman wrote at the beginning of her story in an anonymous post to Reddit - before revealing the visitors were celebrating more than one holiday.
She explained that she and her husband assumed his mother would be hosting Thanksgiving as she normally does every year – but were taken back when his mother asked them what their plans were just over a week before the holiday.
"This year we had absolutely no plans to travel," the poster wrote.
"We both work A LOT.
"I'm working even more until I can pay myself from my business."
They answered that they were having a small dinner together, but the mother-in-law insisted on seeing who could host the family for the big day.
Most read in Lifestyle
After realizing it was not feasible for anyone else in the family to host Thanksgiving, the mother handed the task to her son and daughter-in-law.
"His mom asks if everyone from Christmas is invited," the woman wrote, noting that consists of 20 people.
"And then [she] keeps inviting more."
On top of this, the poster's husband informed her that the family would also be doing a present exchange since they won't be around for Christmas.
"I blew up," she recalled.
"I'm like, 'So now not only do I have to prep the house [and] buy food and cook for all these people, I have to figure out presents? In a week?'"
"Mentally I'm just screaming, I can't. I can't. I can't."
Even worse, once the daughter-in-law bought all the food, the mother-in-law informed her only seven people would actually be coming to the dinner.
"Y'all don't even want to know the other things going on," she vented.
"Family … is still living with us.
"Some home repairs we have to get done.
"And I work retail."
Hopefully, the woman was comforted by the fact that she had dozens of people sympathizing with her on Reddit.
"Bro I would do nothing.
"Go get some McDonald's while everyone comes to your house," one user commented.
Many others told the woman to let her husband handle everything since he was the one who initially agreed to hosting and exchanging presents.
Unsurprisingly, the poster isn't the only person having issues related to the holidays.
One mother revealed that her son and daughter-in-law expect her to provide vegan dishes on Thanksgiving.
She instead informed them that they could provide their own meals.
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Email us at firstname.lastname@example.com or call 212 416 4552.
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The Heroes of the Dorm grand finale is taking place this weekend. Four college teams will go head to head to fight for a pretty sweet grand prize – a scholarship that covers their college career.
To celebrate the occasion, Blizzard will be hosting an event that grants a 50% XP bonus, and another that unlocks the entire Heroes of the Storm roster for everybody! Here're the relevant dates…
Unlocked Heroes Event: April 8, 10:00 a.m. PDT (All Regions) – April 11, 10:00 a.m. PDT (All Regions)
50% Bonus XP Event: April 8, 10:00 a.m. PDT (All Regions) – April 18, 10:00 a.m. PDT (All Regions)
Unfortunately, the unlocked hero event will only span three days. Still, if you've been eyeing out a certain hero, particularly a newer, more expensive one, now is as good a time as any to test them out good and proper before coughing up gold/cash. The last few months alone have seen Lunara, Greymane, Li-Ming, Xul, and Dehaka added to the roster. There's bound to be somebody you've not yet tried.
Personally, I'm looking forward to playing Greymane, Leoric, The Butcher, and even The Lost Vikings. Believe it or not, I've somehow not yet gotten around to playing any of those heroes – I keep missing them on the free weekly rotations!
Anyways, on top of the unlocked hero event, there's a nice XP bonus to take advantage of too. It lasts a whole lot longer thankfully – a whopping 10 days.
Remember, if you party up with a friend, you'll get an extra 50% experience. Thanks to my incredible mathematical ability, I've calculated that this means there's a 100% XP boost waiting to be enjoyed until April 18th!
And yeah, that's it. So who are you looking forward to playing as? Will you be following all the Heroes of the Dorm action?
Last Updated: April 5, 2016


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- This event has passed.
Monday Night Swing 12/10 Uptown shuffle solo jazz class
October 12, 2020 @ 20:00 - 22:00
HepTown invites you to swing dance in the amazing ballroom at Grand Hotel i Lund
This evening we kick off at 8 pm with a Swing Practice where you can practice your moves or just dance to the music. At 9 pm we got another solo dance class. This time it's part 1 of Uptown shuffle a solo jazz dance routine.
Schedule September 28th
- Swing Practice: 20:00
- Uptown shuffle solo jazz part 1 of 2: 21:00
More information and mandatory registration
Make sure you sign-up in advance as a low limit on the number of participants to keep it safe.
Information på svenska och obloigatorisk föranmälan
Swing Practice
This is not a course and not really a social dance. It's an opportunity to practice your swing dance in the Grand Hotel's fantastic ballroom. The number is limited to about 36 persons.
Registration is made according to one of the following:
- with a partner who is then the one you dance with the whole evening.
- alone as a lead or follower who is accepted in even pairs.
- alone without specifying the dance role, with the comment SWITCH, for the ones who both leads and follows
- alone without specifying the dance role, with the comment, SOLO, for those who want to dance solo.
As soon as this corona situation is over we plan to go back to regular social dances where you just drop-in and ask any body for a dance…
Dine at Grand Hotel i Lund before or after you dance
For the complete experience we recommend that you also check out the food and book a table. To avoid timing issues please let the restaurant now that you are taking a swing class in the Ballroom and what time it starts.
More Swing Dance Classes
- Date:
- October 12, 2020
- Time:
- 20:00 - 22:00
- Event Categories:
- Big event, HepTown, Lindy Hop, Lund, Öresund, Social Dance, Solo Jazz - Authentic Jazz - Solo Rutinens
- Website:
- https://www.heptown.com/sv/mandagsswing/
- Grand Hotel i Lund
- Bantorget 1
Lund, 222 29 SE + Google Map
Related Events
Shaggin' in the Rain 2023 – Collegiate Shag Festival in CopenhagenSeptember 29, 2023 @ 18:00 - October 1, 2023 @ 23:59
Monday Night Swing | Lindy Hop | Social Dance 2/10October 2, 2023 @ 20:00 - 22:00
HFS Friday Party in October – Farum Big BandOctober 6, 2023 @ 19:00


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Population on the Fringe of Clinical Trial Enrollment
0.75 credits
Full course description
The Georgia Clinical & Translational Science Alliance- Georgia CTSA and Southern California Clinical and Translational Science Institute -SC-CTSI have collaborated to provide free, high quality educational programs for clinical research professionals at novice to expert levels of experience. At the completion of each course or program, participants earn contact hours recognized by a certificate and/or badge.
Current efforts to address a lack of representation in clinical trials include Sec. 907 of the Food and Drug Administration Safety and Innovation Act (FDASIA), FDA's Action Plan, and the FDA Drug Trial Snapshot.Diversity metrics and statistics collected from these combined efforts will be highlighted as well as, research projects conducted by the USC Undergraduate Research Associates Program.
- Clinical trials
- Purpose
- Efficacy, Tolerability, and Safety
- Sec. 907 of the Food and Drug Administration Safety and Innovation Act (FDASIA)
- FDA's Action Plan: Priorities, Quality, Participation, & Transparency
- FDA – Drug Trial Snapshot 2019
- Diversity metrics for research in the U.S.
- United States Census Bureau
- Office of Management of Budget (OMB)
- Minimal set of categories to represent race and ethnicity
- Federal Register Notice
- Racial, age, gender composition
- Los Angeles County demographics
- Example: Zolpidem
- USC Undergraduate Research Associates Program
- Inclusion of pediatric participation in clinical trials
- Low-income populations and barriers to diabetes technology
- Chronic disease in Los Angeles County
- Race and ethnicity in mental health disorder clinical trials
- Antidepressants among special and vulnerable populations
Terry Church, DRSc, MA, MS, is an Assistant Professor in Regulatory and Quality Sciences at the University of Southern California, School of Pharmacy. He is Associate Director of Undergraduate Education, and teaches in the undergraduate degree program, Pharmacology and Drug Development (PDD). Dr. Church's academic focus is on interdisciplinary applications of pharmaceutical regulation in relation to patterns of addiction, disaster management, and education and training. His areas of interest and expertise include biorepository regulation and ethics; drug addiction and regulation of controlled substances; regulatory practices for continuity and disaster planning; and policies and ethics of academic research. Dr. Church is an avid supporter of creative arts therapies and was involved in the initial set up of the Institute for Arts in Medicine at USC. Terry is a faculty fellow of the USC Center for Excellence in Teaching and co-chair of the educational committee of the Institute for Addiction Sciences.Dr. Church holds a Doctor of Science and Master of Science in Regulatory Science from the University of Southern California, a Master of Arts in Cultural Anthropology from Temple University, and a Bachelor of Arts in Social Sciences from the University of Pittsburgh. email@example.com
Learner Level: Beginner/Intermediate/Advanced
Audience: This symposium is designed for Clinical Research Assistant/Associates or Clinical Research Coordinators in academia, clinics, hospitals, industry, or CRO with 1- 2 years of clinical research experience. Individuals may be new to clinical research with limited knowledge of clinical trial conduct, good clinical practices, regulations and common terminology associated with clinical research.
Contact Hours:
Emory Nursing Professional Development Center (ENPDC) is accredited as a provider of continuing nursing education by the American Nurses Credentialing Center's Commission on Accreditation. Attendees to this CNE activity will be awarded 0.75 Continuing Nursing Education contact hours from ENPDC.
Need Help with Registration? Please contact us at firstname.lastname@example.com or 404-727-9208.
Program Information: This is the second course in a six (6)-course program. To complete the entire program and earn a badge CLICK HERE.


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August 29, 2021
CITY OF JACKSON OFFICES, JTRAN, CITY EARLY CHILDHOOD DEVELOPMENT CENTERS ALL CLOSED ON MONDAY, AUGUST 30th; WASTE MANAGEMENT SUSPENDS COLLECTIONS
City Issues Additional Updates and Reminders in Advance of Hurricane Ida
(JACKSON, Miss.) – The City of Jackson is issuing the following updates and reminders to residents as the city prepares for Hurricane Ida:
- All City of Jackson offices will be closed on Monday, August 30, 2021, due to the anticipated impact of Hurricane Ida. The City will resume normal business hours on Tuesday, August 31, 2021, unless notified otherwise.
- JTRAN will be closed on Monday, August 30, 2021.
- City of Jackson Early Childhood Development Centers will be closed Monday, August 30, due to potential storm damage. Classes will resume Tuesday, August 31.
- Collection services in the City of Jackson and surrounding areas are cancelled for Monday, August 30.
- Commercial customers will experience a one-day delay in service.
- Residential customers who are collected twice a week will be serviced on their next regularly scheduled collection day. Residential customers who are serviced once a week, will experience a one-day delay in service. Weather and safe road conditions permitting.
- Crews will be on standby this weekend and be prepared to respond on Monday and Tuesday when the storm passes through the Jackson Metro Area
- Viaducts on Gallatin Street and Monument Street will be closed to traffic starting Monday morning due to these areas being prone to flooding.
- As the weather worsens, the Sewer Division will be out checking for down trees, manhole tops off, and down powerlines to report these locations to JPD & JFD and alert emergency services to any blocked streets.
- Sandbags will be distributed Saturday, August 28 – Tuesday, August, 31 from 8 a.m. to 7 p.m. at 4225 Michael Avalon St. Building A, Jackson, MS 39209.
- This schedule is subject to change dependent on weather conditions.
- Two (2) emergency shelters have been identified. Additional details will be made available should these shelters become necessary.
- JPD Police Training Academy, 3000 St. Charles St.
- Champion Street Gym, 1344 Hattiesburg Street
- Make a plan for your household, including your pets, so that you and your family know what to do, where to go, and what you will need to protect yourselves from flooding. Learn and practice evacuation routes, shelter plans, and flash flood response.
- Gather medicines, supplies, including non-perishable foods, cleaning supplies, and water for several days, in case you must leave immediately or if services are cut off in your area.
- If you are under a flood warning; seek higher ground shelter right away, and do not walk, swim or drive through flood waters. Turn Around, Don't Drown! @ www.ready.gov
- The City of Jackson Department of Solid Waste asks that residents give at least two weeks after the storm passes to allow for damage assessments and retaining of contracts if needed to assist with debris removal.
- Tress that may fall onto the right-of-way and obstruct traffic will be addressed immediately. This can be reported to 311, 601-960-1168, or 601-960-1193.
- If contractors are hired to cut limbs, or remove damaged materials from a residence, it is the contractors' responsibility to remove and dispose of all debris. We ask that residents hire licensed contractors to provide debris removal services at their place of residence to ensure that all debris is properly disposed of.
- If residents have small limbs that are in compliance and require removal, please call 601-960-1193 for assistance. (To be in compliance, limbs must be cut 4 feet in length and stacked in small piles no higher than 3 feet.)
- For more information, residents can please call 311 to be provided with a tracking number for reference.
- Please pay attention to local news media or weather radio as the storm progresses for current emergency information and instructions.
- Sign up for CodeRed Emergency Alerts at www.jacksonms.gov
- Please call 9-1-1 for emergencies only.
- Please call 601-960-1234 for non-emergencies.
- Down limbs that fall onto the right-of-way and obstruct traffic can be reported to 311, 601-960-1168, or 601-960-1193.
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Experienced Finance Professionals with Master or Bachelor Degree
The Staan Finance Academy works with a 'best fit' approach in which we provide an independent advice on the required curriculum to follow.
We strongly recommend a personal intake to achieve this. It is our mission to provide professional support in your personal development.
This professional training, recognized by the Association, provides the right basis to be truly successful as a financial. A solid basis for correct reporting to management & external parties.
Step by step discovery of the important tools that Power BI has to offer to visualize your financial data and KPI's. Like Power Query, Power Pivot, a firm introduction into DAX and data modelling.
The CMA credential is your key to greater career potential. Pursue the CMA and demonstrate your mastery of the critical accounting and financial management skills needed on the job today.
Open the door to the Lean Universe! Lift teams, projects and organizations to the next level!
May 9, 2022
To give you an insight into how Power BI works at the Staan Academy, we interviewed our colleague and trainer Diederik van Kolfschoten.
April 6, 2022
In this blog post, Manou Lissauer one of our CMA alumni describes her experiences during and after following the CMA course at the Staan Finance Academy.
Experienced Finance Professionals with Master or Bachelor Degree
With interest in Business Control, FP&A or Management Accounting
This approach is based upon research:
– Activate your brains by self-preparation
– Re-enable your knowledge with short one-way classes
– Apply the knowledge in practice during interactive sessions
At the Staan Finance Academy all courses and materials are available in English. We work with small groups to assure everyone can overcome their challenges. Furthermore, we work with the best instructors who are broadly experienced with teaching and still active in the field of Finance.
All courses can be shaped into a tailormade solution for an in-house program.
The course led me through the process of becoming a Certified Management Accountant. I believe the program is a great added value as it doesn't only prepare you for managing the exams, but forces you to reflect the study material to your current work situation. Besides it's great to work in a relative small group together towards your goals.
I am based in the Treasury Department and my day-to -day tasks includes downloading thousands of data on the fixed income markets from Bloomberg system which should be then filtered, processed and finally visualized. I would like to express my appreciation and my full satisfaction on the course, I am really comfortable with the materials and so excited to start building my own Treasury reports after the course completion
Good lessons, they were very much focused upon Business Finance which made it relevant for my day to day job. Also appreciated the English (meeting) etiquette, which was particularly useful.
Recently I enjoyed the Lean for Financial Course by the Staan Finance Academy. Jeroen and Pieter challenged our class every week with financial cases and shared their own experiences within corporates and financial services. As part of the course, I discovered several ways to tackle the rising burn rate in these challenging months. Now I finished the course as a true Greenbelt, I cannot wait to improve my organisation further.
Our instructors earned their credits in various finance leadership positions and are still active in the field of finance. Apart from their strong theoretical background, they own the appropriate didactic skills. They have a broad experience and track record in teaching the skills needed to solve the complex financial issues.
Your personal development comes first and foremost for our instructors, who thereby offer an ideal platform to succeed in your education. Studying at the Staan Finance Academy doesn't only make you a stronger financial, but also our ambassador.


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Reykjavík - Blue Lagoon Premium Admission & TransferTour ID: BL32
SeasonAll Year
CategoryBlue Lagoon, Hot Springs, Spas & Lagoons
Minimum AgeLoading...
Tour Highlights
A scenic drive to and from the Blue Lagoon Spa A premium experience at the Blue Lagoon Spa with complimentary drinks A table reservation with sparkling wine at LAVA Restaurant (if dining)
What's included
Blue Lagoon Schedule
Reykjavik Excursions offers great flexibility in Blue Lagoon tours. You can board the bus at BSÍ Bus Terminal in downtown Reykjavík, enjoy all that the Blue Lagoon has to offer, and catch a ride back to Reykjavík when you're done.
Schedule valid from 1st of June, 2023


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Dental and Vision Coverage
Ideally, your health coverage should reflect the changes at each life stage. Hankins Insurance Services offers a range of health plans that can be tailored to your individual situation and I can help you make adjustments when needed.
If you would like to add Dental, Vision or other coverage – I usually like to align this with your healthcare choice. So give me a call for this. If you want stand alone dental coverage – I recommend you consider Humana dental and can enroll using the following link.


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The 2004 Pixar movie The Incredibles follows the lives of the forcibly retired superhero Mr Incredible and his family. Shortly after we are introduced to Robert (Bob) Parr we discover that he and his family are in some sort of witness relocation program to hide their former identities from the public allowing them to lead normal lives. We also know that this isn't the first time they've had to move as a result of Bob's actions.
Presumably each time the family is forced to relocate they must also change their names as otherwise tracing their identities would be trivial. As such my question is this:
What was Mr Incredible's real name before he first went into hiding?


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Source: NYT
KICUCULA, Uganda — According to the company's proposal to join a United Nations clean-air program, the settlers living in this area left in a "peaceful" and "voluntary" manner.
People here remember it quite differently.
"I heard people being beaten, so I ran outside," said Emmanuel Cyicyima, 33. "The houses were being burnt down."
Other villagers described gun-toting soldiers and an 8-year-old child burning to death when his home was set ablaze by security officers.
"They said if we hesitated they would shoot us," said William Bakeshisha, adding that he hid in his coffee plantation, watching his house burn down. "Smoke and fire."
Read More: In Scramble for Land, Group Says, Company Pushed Ugandans Out


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Posts Tagged 'LOUIS QUATORZE'
Videos Girls' Generation Featured on KBS2's "MV Bank STARDUST" On September 1st, KBS2's "MV Bank STARDUST" released a short clip of Girls' Generation. The video also includes parts from their two newest music videos, "Lion Heart" and "You Think". JTBC Releases Clips from "Serial Shopping Family" On September 2nd, JTBC uploaded two clips from the […]Read more »
Videos Tiffany and Han Heejun Guest on MBC's "FM Date" On May 26th, Tiffany and Han Heejun were guests on MBC's "FM Date". Tiffany had lent her vocals to Han Heejun's first digital single, "QnA", which was released this May. Tiffany and Han Heejun appear about halfway into Sunny's two hour radio program. The entire […]Read more »
Videos OnStyle Uploads Video Featuring Sunny Onstyle recently posted a video of Sunny onto its YouTube channel. In the clip, Sunny gives some tips on makeup. Mnet Posts "Heart_a_tag" Episode 5 Previews Mnet has uploaded two previews for its fifth episode of "Heart_a_tag", with one preview featuring BIGBANG. The show airs every Friday at 6 […]Read more »
Videos Yoona Participates in Interview by Gogoboi Yoona participated in an interview with Gogoboi, or Thomas Ye, when she attended the "Chanel Cruise 2015-2016 Fashion Show" on May 4th. He had previously uploaded various pictures with Yoona and other celebrities also at the event on his Instagram account as well. Mnet Uploads Footage from "Heart_a_tag" […]Read more »
Fashion brand LOUIS QUATORZE has released a music drama titled "HETEROTOPIAS", featuring Taeyeon, Tiffany, and Seohyun. The three members of Girls' Generation – TTS recently appeared at a VIP premiere event for "HETEROTOPIAS" on April 23rd, where they took photos and signed autographs. The music drama, released today through the LOUIS QUATORZE Korea YouTube channel, shows […]Read more »
On April 23rd, Taeyeon, Tiffany, and Seohyun appeared for the "LOUIS QUATORZE x TTS Media & VIP Premiere" event, held at the Seoul Lotte Hotel. Girls' Generation – TTS and fashion brand LOUIS QUATORZE have collaborated for a musical drama production titled "Heterotopias", a preview for which is available here. The musical drama will be […]Read more »


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All you brides to be, this song for you is a MUST see! Dilbaro from Raazi is a song every father daughter need to hear, after all, leaving your father and heading to a new world is every girls fear! beautifully written it's quite the perfect video song, and believe you-me, you won be able to stop yourself from tearing up as you sing along 😢. For those of you who want to try something innovative, we totally suggest doing a special father daughter dance (like Isha Ambani did 😍) with your Dad on this, trust us years later also you'll look back and cherish this moment as father daughter bliss!
PS – Head here for our pick of the best Vidai songs this year.
Why it's so perfect for the Father Daughter song at your wedding? 😍
Have you heard those lyrics?
Ungli pakad ke tune
Chalna sikhaya tha na
Dehleez oonchi hai ye, paar karaa de
Baba main teri mallika
Tukda hoon tere dil ka
Ikk baar phir se dehleez paar karaa de
Damn! There's going to be no dry eye in the room!
That Voice! 😍
Sung by Harshdeep Kaur in her soulful voice, you've got to love it – there's no choice!
Did you love the song too? Tell us in the comments below
Featured Image Source – Free Press Journal


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Nintendo and Tencent are targeting Switch piracy websites in China
It's no secret that gaming in China has seen a huge rise in popularity after the government's restrictions around the matter became progressively looser. Since then, many foreign industries have tried to take a slice of this already huge and rapidly expanding market, but there's one big issue that they need to tackle when considering to do so: piracy is rampant inside the country. With so many people opting "to go unlicensed" (70% of all software installs in the country weren't legit according to a survey made in 2015 by Statista), some businesses outright gave up trying to sell their digital goods in China when faced with the seemingly unstoppable piracy problem (like Microsoft). However, one company is trying to stand up and fight where the others fell.
After teaming up with the local tech giant Tencent as an effort to officially market the Switch inside the country, Nintendo is now taking advantage of this partnership to target Chinese Switch piracy websites. Two have been already affected by this move and amongst them was one of the top ROM sites in China. This last one has deleted its Switch downloads subforum, leaving only the discussion boards open, but other console's ROMs are still available and ready to be downloaded as usual. Even more interestingly, banners advertising Switch modding and piracy tools are still up on its home page and the forums are filled with hacking & homebrew discussions - that also includes threads linking to a certain unofficial, definitely not legal Shop replacement application.
Will Nintendo be able to defeat websites infringing their intellectual property in China? Will pirates prevail instead? Leave your comments below!


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A Rich Library of 3D Models and Textures
Live Home 3D contains over 2,400 3D models and 2,100 materials, quite a number to choose from! And, each of these materials can be modified for your needs.
Additional Objects and Textures
If you do not find what you need in the 3D models and textures library, additional collections are available as in-app purchases from the "Live Home 3D > Store" menu. Some examples are Scandinavian style furniture, additional materials, plants and outdoor objects.
Download 3D Models from 3D Warehouse
A great advantage of Live Home 3D is the ability to search and download free objects from the Sketchup 3D Warehouse™ right inside the app. How to import a 3D model from 3D Warehouse.
Using Your Own 3D Models and Textures
You can also use your own objects and textures. Below you can find some web resources for 3D objects (3DS, SKP and Ogre XML formats supported) and textures, that can be used in Live Home 3D. Please note that we cannot guarantee that all 3D models and textures can be properly imported and used in Live Home 3D software. Check the model and texture copyrights on each particular website.
CGTrader is a 3D model marketplace for computer graphics and 3D printing, backed by a strong designer community.
Archive 3D
10,000+ free 3D models; free download and no registration required. Mostly interior models.
Archive Textures
Free 3,500+ high quality textures. Free download and no registration required.
Dosch Design
DOSCH DESIGN offers computer graphics products for 3D design, advertising, print publishing, architectural visualizations, animation, motion design and multimedia presentations. Great attention to product detail and quality is paired with the philosophy of making these products available to the user at a very attractive price. DOSCH DESIGN products are "license-free", with no additional fees are due when used commercially.
Turbo Squid
Online marketplace hosting the largest collection of 3D models, motion capture files, textures and shaders ever assembled. Dedicated to the 3D community and serving as a resource for content developers who want access to 3D assets.
Free exchange directory of 3DS studio max and similar type models. 3D artists and graphic designers can freely submit 3D models or download ones for personal and non-commercial use. In addition to the massive number of free models, the site also provides useful graphic design information and digital art samples from the most renowned industry artists.
A wide range of high-quality 3D content and resources (e.g., 3D models, textures, software, articles, tutorials) for 3D interested users. This project is published by Mario Schwennicke.
3DOcean is an Envato Marketplace in which you can buy and sell royalty free 3D models, textures, concepts, materials and shaders. Items are priced on the complexity, quality and use of the file.
Envato is a start-up based out of Australia with people around the world and sites serving pages every second. They started in a living room back in 2006 and have been steadily working to build the company into a world-class contender.
ArchiBit Generation s.r.l.
Tested team of planners, designers and consultants who develop architectural outsourcing in collaboration with international teams in New York and London. The site was created for sharing a great free download archive of DWG, 3DS, LWO and TEXTURE files, offered for free to provide an important service for all their colleagues.
A website dedicated to free 3D models, tutorials and materials, which are primarily set for the V-ray for Rhino render engine.
"Textures strives to be the world's best texture site. Being a 3D artist myself, I know how difficult it is to create textures without good photo materials. Making textures should be about creativity—not about frustrating hours looking for images on the Internet. By supplying good-quality textures in an organized manner, I hope your everyday work will be easier and more enjoyable." — Marcel Vijfwinkel.
Free3D is a website on which you can find various 3D models in .3ds, .obj, .c4d, .3dm and other formats. You may download and use these models in any personal use project for free. You must have a valid email address to register.
The http links above refer the reader to products which BeLight Software Ltd. has no affiliation with whatsoever. BeLight Software Ltd. has not been connected with any of these products for promotion, development, sale or any other such business relationship. Therefore, BeLight Software Ltd. does not provide support for these tools and is not responsible for the accuracy of any information provided on the linked web pages provided above.


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This year for Enriched Bread's Open Studio I did an installation featuring a bed paired with selections from my Sticki/Scrap Notes series. This series is…Leave a Comment
Tag: Sad Comix
Perspectives From Within (Art & Mental Wellness Juried Exhibition)
I am pleased to be participating in the juried exhibition Perceptions from Within (Art and Mental Wellness Juried Exhibition) which will be on view in Edmonton for the months…Leave a Comment
Alice's Interview
Last week I heard an interview on CBC radio with a loved one of the late Joyce Echequan. It was so deeply heartbreaking I couldn't…Leave a Comment
Edmonton-Ottawa Road Trip Drawings
To get from Edmonton to Ottawa for my current Artist Residency at the Ottawa School of Art, my partner and I took a week to…Leave a Comment
Visual Journaling + Reflection + Time Travel
CW: Suicide Support IS available for anyone feeling suicidal or affected by suicide. In Edmonton, the Distress line is there 24/7 every day of the…Leave a Comment
Production Gap & the Pressure for Content Creation
Hey ho world. So it's been a little while since I've written anything on this blog. And until very recently, it had been a little…Leave a Comment
Gravel Body
One of many Sad Comix. *** This is a rough draft but I thought I'd share anyhow because it's so fucking real. Sometimes I feel…Leave a Comment


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Dysfunctional BRCA1 is only indirectly linked to multiple centrosomes
Oncogene: including Oncogene Reviews , Volume 24 - Issue 51 p. 7619- 7623
A remarkable and yet unexplained phenomenon in cancer cells is the presence of multiple centrosomes, organelles required for normal cell division. Previously, it was demonstrated that the tumor suppressor BRCA1 is a component of centrosomes. This observation led to the hypothesis that defective BRCA1 results in malfunctioning centrosomes and faulty centrosomes are a possible cause of cancer. Using EGFP-tagged fusion proteins and BRCA1-/- cells we show that although some BRCA1 antibodies do label centrosomes under certain fixation conditions, BRCA1 is not a centrosomal protein. Therefore, it is unlikely that a mutation in BRCA1 directly alters centrosome structure and function. BRCA1 plays an established role in DNA damage repair and in G 2M checkpoint regulation. We present evidence that multiple centrosomes can arise in any cell when G2M checkpoint fails and entrance into mitosis occurs in the presence of DNA damage.
|Additional Metadata
|, , , ,
|doi.org/10.1038/sj.onc.1208859, hdl.handle.net/1765/69956
|Oncogene: including Oncogene Reviews
|Department of Reproduction and Development
Hut, H.M.J, Rembacz, K.P, van Waarde, M.A.W.H, Lemstra, W, van Cappellen, W.A, Kampinga, H, & Sibon, O.C.M. (2005). Dysfunctional BRCA1 is only indirectly linked to multiple centrosomes. Oncogene: including Oncogene Reviews, 24(51), 7619–7623. doi:10.1038/sj.onc.1208859


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The Bali Theatre
The arts play a significant role in Balinese culture. These include dance, theatre, music and painting to name a few. Balinese dances are a very ancient tradition that is a part of the religious expression among the Balinese people. It is no surprise then that a theatre was created especially for the performing arts – the Bali Theatre.
Located in Gianyar, the theatre sits in the lush tropical in the heart of one of the island prestigious attraction; the well-known 40-hectare Bali Safari & Marine Park in Gianyar. It's only a 45 minute drive from Kuta and easily accessed by using the new southern highway, Jalan Ida Bagus Mantra.
According to their website, Bali Theatre is a mega-stage theatrical complex with a 1200 seating capacity. It is fully equipped with advanced multi-media technology and state-of-art sound and lighting systems. The entrance features the island's tallest 8-metre high Ganesha statue, the God of science and knowledge. He appears to be persuading visitors to enter the lobby and discover the many aspects of theatre. The statue even suggests to people that the theatre was built with highly sophisticated technology, and performers that will guide their audiences to a better knowledge of Bali and its charming people, unique tradition, history, and culture.
A walk through the tunnel behind the statue leads visitors to the luxurious pre-function area, decorated with warm lighting, a wooden floor and a beautifully landscaped garden filled with exotic flowers, shrubs and extensive ponds. The lobby can be considered as a perfect pre-function venue for cocktails as well as an ideal location for a private party or theme function.
Bali Theatre is designed to be the first and the biggest performing arts theatre in Bali.
Website: https://www.balitheatre.com/


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This property is available on your dates. Enquire below to book.
This property is not available on your dates. Get in touch and we can help you further.
7 Bedrooms
14 Guests
Ski in
Ski Out
Ski Room
Steam Room
Indoor pool
This exceptional ski in / ski out chalet is located on Bellecôte slopes, it offers a luxury amenities for unforgettable winter holidays. It can accommodate up to 14 guests in 7 bedrooms. The chalet is fully staffed.
Level 2
- Lounge
- TV Lounge
- Dining area
- Kitchen
Level 1
- 1 Master bedroom with ensuite shower and bathroom.
- 2 Double bedroom with ensuite shower.
Level 0
- 1 Suite bedroom with ensuite shower room
- 1 Double bedroom with ensuite shower room
- 2 bunk bedroom with ensuite shower room
Level -1
- Bar lounge
- Cinema
- Ski room
- Staff area
- Ski-in and out access
Level -2
- Swimming pool
- Massage room
- Fitness
- Hamman
- Jacuzzi
Service includes:
Bed linen
Bathrobes, slippers and toiletries
Housekeeping services
Continental breakfast daily
Chauffeur in the resort
Private garage
Concierge service
We'll be in touch shortly
There has been an error. Please contact us on the number above.


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3 Healing Angels, PLLC
Patient advocacy specialist. Professionalism and respect is our promise.
Thanks for visiting!
We hope you can find everything you need. 3 Healing Angels, PLLC is focused on providing high-quality service and customer satisfaction - we will do everything we can to meet your expectations.
With a variety of offerings to choose from, we're sure you'll be happy working with us. Look around our website and if you have any comments or questions, please feel free to contact us.
We hope to see you again! Check back later for new updates to our website. There's much more to come!
Dignity is expected and caring is never outdated.
Patient advocacy specialist.
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Your wedding day deserves to live up to your wildest expectations
Welcome to the blog. Check out recent elopements here, and find allllll the tips you need to plan your dream day!
Got some questions you don't see answered here? Get in touch - I love to hear what would be helpful!
Honolulu, North Shore, and Diamond Head
Climbing Mount Kilimanjaro on the Machame Route
Mission trip in La Florida, Peru, plus visits to Lima and Paracas


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Adobe Manor Mobile Home Park
Lot #: $3339
Price: $715,000
Address: 3339 Tucson, AZ 85716
Property Description:
Located near countless commercial developments including the new Sam Fox "Yard" development on with high traffic Grant Road frontage this 1-2* star park in Tucson offers an investor a large upside deal due to low rents and high vacancy. Market is a 85-90% occupancy for this level of property and Adobe is currently at 55% despite more advertising opportunity due to location. Utilities are also metered however collections are very low. Broker recommends evicting problem tenants, cleaning up common areas, and filling to reach market occupancy and rents. Same park sold in 2008 for $1.35m so there is plenty of upside of an experienced investor to make a great return flipping after stabilization. Midtown Tucson is generally considered a $300 lot rental market and rents are currently at $255 – $280. Additional easy to rehab apartment units offer more upside once filled. Current rent roll indicates nearly $10,000 in monthly rental income with current tenancy however bad debt especially on utility pass through is high. There are several smaller RV sites which if eliminated and buyer would like to do MH only would likely bring total site count to 50. Commercial developments within one mile include Walmart, Fry's, Circle K, McDonald's, and countless restaurants and shopping. Less than two miles from University of Arizona. The park will likely lose 4-8 spaces if a Grant Road widening occurs however City of Tucson has informed seller full market value will be given for that section of parcel with an additional $30,000 for front wall and signage replacement.


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Emergency Electrical Service
Malfunctions, accidents, and disasters can cause a loss of electrical power to part or all of your home or business. When you need immediate electrical service, call Echo Electrical Services, Inc. at (817) 646-0366. We have 18 years of experience, so we are able to help with any emergency service you may require.
Call for a Quote!
Three Reasons to Call Echo Electrical Services, Inc. for Emergency Electrical Service
Fast – Echo Electrical Services, Inc. understands that maintaining production levels is vital, and offers a swift response to any emergency affecting your electrical systems. Limit the costs of down time and production losses by calling Echo Electrical Services, Inc. for emergency service. Timely reactions that address the problems in priority order are all part of Echo Electrical Services, Inc.'s service in times in need.
Licensed – Echo Electrical Services, Inc. staff are trained to provide an immediate, helpful response to your electrical issues. Established in 2005, Echo Electrical Services, Inc. knows the resources necessary for fast solutions, and has access to all of the tools needed to get your emergency service completed right away.
Satisfaction Guaranteed - When an emergency threatens your electrical systems, Echo Electrical Services, Inc. has the resources to respond quickly. And Echo Electrical Services, Inc. backs up that promptness with solid customer service, guaranteeing their complete attention until the problem is fully repaired. This level of attentive service extends beyond the immediate repairs needed in an emergency service, and allows you to fully rely on Echo Electrical Services, Inc.'s expertise.
Echo Electrical Services, Inc.'s Emergency Services
Safety and efficiency remain top of mind for all Echo Electrical Services, Inc. staff working on any project, including:
- Disaster Repairs and Assessments
- Electrical Faults
- Electrical Troubleshooting
- Fire Alarms
- Tripped Breaker or Blown Fuses
- HVAC Machinery Breakdown
When your electrical system is down and requires emergency service, Echo Electrical Services, Inc. offers an immediate response, fully trained electricians and a satisfaction guarantee. Trust the professionals to have your system up and running again quickly and safely. Call Echo Electrical Services, Inc. at (817) 646-0366 for more information.


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Column Archive Money Magazine Ask the Expert by Walter Updegrave
Living off the interest? Good luck
Few people will amass a big enough nest egg to live without touching principal. Here's a spend-down strategy for everyone.
NEW YORK (Money) -- When it comes to withdrawing money from savings for retirement, why don't more advisors encourage people to just live off interest and dividends and leave the principal alone?
This approach would alleviate the worry of not having enough to live on late in retirement and would also assure you could leave an estate for heirs. That's my plan anyway, and that's what my father did as well. Why don't more advisors recommend this strategy? - Kip M., Boise, Idaho
ANSWER: The main reason advisers rarely recommend that people live off interest and dividends and leave the principal alone is that few retirees have a large enough nest egg to pull off such a strategy.
Let's assume, for example, that someone is retiring with $500,000 in retirement savings. That's already a generous assumption since it's a lot more than most retirees have, but let's go with it.
And let's further assume that our fictional retiree's half a million bucks are divided 50-50 between a diversified portfolio of stocks and a diversified group of bonds. The Standard & Poor's 500 index currently yields less than 2 percent a year, but again we'll be big-hearted and assume a 2 percent yield. That means the stock portion of the portfolio will throw off about $5,000 in income the first year of retirement.
As for the bond portion, let's figure the bond portfolio yields 5 percent a year, a reasonable estimate for today's market. So the bonds are throwing off $12,500 a year. Add that to the dividend income and our retiree has a grand total of $17,500 in income.
Now, even if someone can get by on that amount, there's another issue: you've got to factor in inflation. Your income would have to rise for your spending power to stay even with rising prices. If prices rise at, say, 2.5 percent a year (which is less than the average inflation rate over the past 80 years or so), you would need just over $22,000 of income to maintain your purchasing power in 10 years and almost $29,000 to keep your spending constant at 20 years.
Granted, I'd expect the dividend portion of the portfolio to keep pace with inflation. But bond interest payments are fixed. So gradually you would fall behind inflation. So in order to maintain your purchasing power, you would have to dip into your principal.
Sure, there may be some adjustments you could make, like buying stocks that pay higher dividends or bonds that make higher interest payments. But those sorts of move always involve taking more risk, whether concentrating your portfolio in industries with higher dividend payouts or buying lower-quality stocks that are forced to pay more dividends or moving to high-yield (i.e. junk) bonds for their fatter yields.
These moves may get you the extra income you need without any problems. Or you could end up with stocks that crash and bonds that default.
Plan B
So what's the alternative?
Well, the first thing to do is to invest whatever size nest egg you've managed to accumulate in a diversified portfolio of stocks and bonds (or, more likely for most people, stock funds and bond funds). That portfolio can certainly contain dividend-paying stocks and even some high-yield bonds. But it should be broadly diversified so that you've got large and small stocks and growth and value shares.
For the bond portion, you can keep things simple and stick to Treasuries, or you can also throw in some corporates or, depending on your tax bracket, munis. Either way, you want to have a range of maturities from, say, two to 10 years. (Or in the case of bond funds, you could just stick to funds with average maturities of, say, four to seven years.)
The percentage of your savings that you would devote to stocks vs. bonds depends both on your tolerance for risk and how long you would like your portfolio to last. If you're at the beginning of retirement, you should probably plan for an investing horizon of 30 or more years. To provide reliable income that can stand up to inflation, you're likely talking about a portfolio that has 50 percent or so of its assets in stocks and 50 percent in bonds. That should give you a good trade-off between growth and stability.
As you age, you'll want to gradually shift more into bonds, although even in your 80s, you still need some stock exposure, say, 20 percent to 30 percent of assets.
Once you've got a portfolio that can deliver both long-term growth and current income, you can turn to the question of how much money you can reasonably expect to withdraw each year without running too big a risk of your stash running dry.
There's no magic number, but for a reasonable likelihood that your money will last 30 or more years - which is what you should probably be planning for at age 65 - you shouldn't withdraw more than 4 percent to 5 percent of your portfolio's value the first year of retirement.
Now, a 4 percent initial withdrawal on a $500,000 portfolio amounts to $20,000. Hardly a fortune, and not much more than the amount you got just drawing dividends and interest. But there's a big difference. That 4 percent is for the first year only. You would increase the dollar amount of that initial withdrawal the next year for inflation, and then increase the second year's draw for inflation, and the third year's, the fourth year's and so on.
So if you start at $20,000 the first year, by the 10th year, you'll be pulling about $25,600 from savings, assuming a 2.5 percent inflation rate and by the 20th year you'll be drawing almost $33,000.
That inflation increase is one reason you've got to start at a relatively low withdrawal rate. The other reason is that the combination of drawing money from your portfolio and a market downturn can have a devastating effect on a portfolio's value, especially if the setback occurs early in retirement.
Of course, if you don't run into a market downturn and the market's returns are generous, there's a good chance you might not have to dip into principal. Your portfolio's value could very well grow.
But because of the uncertainty, it pays to err on the side of conservatism when it comes to spending down your savings.
If you follow this strategy of creating a diversified portfolio and starting with a low-to-moderate initial withdrawal rate, the odds are pretty high that your money will support you throughout a retirement that could last 30 or more years.
You can increase the odds in your favor even more by putting a piece of your savings into an immediate annuity (aka an income or payout annuity), an investment that pays a guaranteed lifetime income. Research shows that a portfolio of stocks and bonds combined with the steady payout of an income annuity increases the odds that a portfolio can pay a sustainable income over long periods. Read more on this annuity strategy.
Of course, you can also stick to your strategy of just living off dividends and interest without dipping into principal. But you're going to need a pretty big nest egg - or be able to get by on a pretty small income - to pull it off.
Ask the Expert: Dear reader, don't play George Soros What's wrong with holding cash, waiting to buy stocks at more attractive levels? Plenty.
Ask the Expert: Rollovers: 3 options rated When you switch jobs, it's the move you absolutely have to get right.
Ask Walter a question: E-mail us at firstname.lastname@example.com.


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SEA SLEEPER - Nostophobia (Review)
Written by: The Administrator
In lieu of the typical rambling introduction, I'll spare you all and jump straight to my conclusions regarding Nostophobia, the debut full length from Portland's Sea Sleeper. In sum, then: this is a wonderfully chaotic album filled to the brim with the kind of untethered energy that practically demands listener engagement. However, it is also a confusingly chaotic album that would benefit significantly from some spit and polish.
Sea Sleeper bill themselves as a bit of a genre-jumping anomaly, frequently folding in elements of post-metal, deathcore, sludge, avant-garde, metallic hardcore, and even a lil' angsty grunge into their bubbling cauldron o' progressive death. Needless to say, this is a complex conglomerate of sights 'n' sounds, and makes for an experience that is borderline confounding across the breadth. As a fan of boundary-pushing and rule-breaking in music as a general rule, that quality is a clarion call of sorts--provided the intrinsic weirdness sticks the landing.
Written by: The Voiceless Apparition
Simplicity and brutality go hand-in-hand, particularly in heavy music. Sometimes a simple chunky, meaty riff is all that you need to fuel your fire. Two genres in particular that hold these elements well are hardcore and death metal. Both genres hold that ethos of making music that feels like a real gutpunch.
That leads us straight to this review. Year of the Knife is a straight-edge hardcore band from Delaware, and this is their debut full-length album. I was introduced to this band via the hate5six YouTube channel after I saw their set at the Electric Factory in Philadelphia on 7/28/2018. I was quite blown away. Their set was a visceral, brutal, and an unhinged display of metallic hardcore savagery. So with that in mind, lets dive into Internal Incarceration.
Written by: Volt Thrower
Bootlickers beware: this album is not for you. But for anyone else who wants to see the institutions of systemic racism burnt to the ground, this is the revolutionary anthem for you. Rising from the red of Little Rock, Arkansas, Terminal Nation delivers a brutal sonic indictment of humanity with Holocene Extinction.
Right from the get-go, Terminal Nation establish a catchy death doom sound in "Cognitive Dissonance." Raspy howls devolve into a sickening "bleugh", which sets things off in a beautiful direction. A crushing mosh call to close out the album opener is a damn fine start. "Arsenic 'Fucking' Death" kicks things up a notch with a tasty grind passage, also bringing in the first pit chant in "extinction of mankind!" If you can listen to this album without getting a single riff/line stuck in your head, I'll paypal you $100 (CDN, so not much). But seriously, this album is just littered with memorable hooks and quotable lines.
We provide thoughtful reviews of music that is heavy, gloomy...and loud enough to wake us from slumber. Written by a highfalutin peasantry!


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Find information about general contractors in your area that you can't find anywhere else.
Target Audience: Homeowners looking for home improvement contractors.
Website URL: https://www.sharperoo.com/
Feedback sought:
- Visit https://www.sharperoo.com/. Please share your thoughts on the website.
- If you are a homeowner, are you encouraged to find a contractor through Sharperoo?
- Find a contractor you have worked with and leave feedback on him/her.
- Please share any other thoughts or comments you might have.
About Sharperoo:
Sharperoo provides homeowners with an easy way to find reliable home improvement service providers. Sharperoo ranks and rates contractors based on an algorithm that combines direct consumer feedback with information from third-party resources like the Better Business Bureau (BBB), bringing objectivity and transparency to an industry that has traditionally been plagued by low consumer confidence. Sharperoo packages this consumer visibility into a subscription-based product that is sold to contractors, who can enhance certain elements of their profile, gain increased onsite visibility and ultimately, acquire more business leads.