text:
Saint Meinrad Installment Loan | Wired to Account | Online Money 24/7 | 47577
Personal Loans $500 - $2500 in Spencer County IN
Installment loans direct deposit quickly to your account in Saint Meinrad, IN 47577. Four minute application online to Spencer county.
Personal Loans - Apply Here - Up to $2500
Fast Online Loan | Direct Deposit to 47577
Need a bank account:
Community First Bank of Indiana
Need a traditional loan:
Business And Industrial Federal Credit Union
740 N Marr Rd
Columbus - 47201
mktg at busindcu.com
Ph: 8123726091
Need a financial help:
Epco Financial Services
7120 Kebir Court
Fort Wayne - 46815
epco at fortwayne.infi.net
Ph: 2194931412
Inexpensive activities near IN, get out and enjoy your life and your family:
Paul Dresser Birthplace - Terre Haute
Silver Creek - IN
WireLend is not a lender. You will have the opportunity to accept or deny the loan offer after you apply. If you accept a loan offer the funds may be direct deposited to your bank account in Saint Meinrad on the next business day. The terms of the loan may be between you and the lender. WireLend does not retain any personal information. Please use short term credit responsibly.
WireLend City Code: 827889-59391970928606633IN-IN-64905
Financial Tips and Ideas from WireLend:
Do Not Smoke
Smoking is ultimately dangerous to your health and to your wallet as well. This kind of vice is unavoidable, especially if it becomes an everlasting addiction to someone. Your health can be at stake and money will be wasted because of your nicotine intake. Nicotine is a lethal substance that causes lung diseases. The best way to save money and your life is to get out from this activity.?
Take a Walk on Trash Day
Looking for new furniture? Figure out when there's a big trash pick up in a fancy neighborhood and take a walk. You could get a couch, bookcase, or loveseat for free. This is especially true for move out day at local colleges. As students stream out of their dorms, you'll be surprised at some of the perfectly good furniture that's ready for you to pick up and take home. This is especially great if you've recently moved.
Saint Meinrad Installment Loan | Bad Credit | 47577


text:
At Calfee, our attorneys recognize that every client, opportunity and problem is unique. That's why our attorneys utilize their extensive experience to counsel clients on ESOP.
An employee stock ownership plan (ESOP) can be an attractive strategy for business owners that benefits the corporation, shareholders and employees. At Calfee, we use an interdisciplinary approach to provide our clients with seamless representation across all aspects of an ESOP transaction, i.e. ERISA, mergers and acquisitions, tax, commercial financing, estate planning and board counseling.
We know that understanding your business, and its competitive environment, is as important to a successful transaction as knowing the law, and our team keeps you, your business, and your objectives at the forefront when counseling clients on creating an ESOP and its ongoing operation. Through our experience and commitment to your business, we are also able to help you determine if an ESOP is best for you.
In addition to extensive experience with tax-qualified retirement and employee welfare benefit plans, we work with ESOP trustees, fiduciaries, sponsors and lenders on ESOPs and the use of ESOPs as tools of business planning and succession.
Calfee was selected for inclusion in the 2020 "Best Law Firms" rankings by U.S. News - Best Lawyers in America in several Corporate practice areas.
- A team consisting of attorneys from Calfee's Corporate and Capital Markets, Employee Benefits, Tax, Labor and Employment, and Capital Markets/Securities Transactions practice groups represented a client in the financial industry in forming a 100% S corporation ESOP, in a complex transaction involving the redemption of 100% of the outstanding equity, the sale of shares to the ESOP and the subsequent issuance of purchase warrants.
- Using a team of Corporate and Capital Markets, Employee Benefits, and Tax lawyers, Calfee represented a client in the software industry in converting an LLC into a corporation and forming a 100% S corporation ESOP in a transaction utilizing interest rate replacement warrants.
- Calfee's Commercial Banking and Financing and Corporate and Capital Markets lawyers represented a commercial lender funding a first priority secured loan used to fund the creation of an ESOP.
Calfee's provides the following ESOP services to clients:
- Alternative equity transfer techniques
- Analysis of stock redemption issues
- Assistance in obtaining appraisals and financing
- Corporate governance and equity issues
- S corporation ESOPs
- Entity and transaction structuring
- ESOP feasibility studies
- Executive benefits structuring and modeling
- M&A due diligence
- Succession planning and executive compensation studies
- Tax structuring and planning/preparation
- Counseling lenders in ESOP transactions
News & Events
- U.S. News & World Report and Best Lawyers®, 11.01.2019
- Fifty-three Calfee, Halter & Griswold Attorneys Selected for Inclusion in The Best Lawyers in America 202008.15.2019

subset: commoncrawl


text:
$ 540.00
Cubic Yo is a pot with a linear but at the same time irregular design: the various parallelepipeds from which it is made creates movement to the whole shape with elegance, ideal for contract, and private homes. Created by the famous designer Giulio Cappellini, Cubic Yo is a functional design object thanks to its wheels and its modular design. Cubic Yo is available in standard and luminous version and with lacquered finishes. It is ideal to living areas, terraces and large public spaces, both indoor and outdoor.
- Linear low-density polyethylene.
- Wheels under base.
- Design by Giulio Cappellini.
- Standard colors and lacquer finishes
W 28.1 x D 28.1 x H 17.9
W 72 x D 72 x H 46
Lead Time
Many Slide products are stocked in Italy. Please email email@example.com or call (800) 503-1458 for availability.
FOB Miami, FL
Shipping charges will be billed with the final balance prior to releasing the order.
Are you a design professional?
Sign Up to access Trade pricing and other professional resources.SIGN UP


text:
WEConnect International's Council on Scaling Women-Owned Businesses will generate pioneering research on how to connect two critical challenges faced by small and medium enterprises owned by women- access to markets and access to capital.
Read the Press Release.
Scaling Women-Owned Perspective Series
Read insights, progress, and updates from our Council Members, Women-Owned Businesses, and stakeholders as we work to create linkages between access to markets and access to capital.
Subject matter experts have dedicated their time to serve on the Council in order to build a global strategy to address the linkages between access to markets and access to capital.
Outcome/Final Report
This research, underwritten by Moody's and led by WEConnect International's Council on Scaling Women-Owned Businesses: How to Connect Access to Markets to Access to Capital, will culminate in a Final Report released in 2020, and be the first of its kind to explore how the linkages between these two issues can support the growth of women-owned businesses holistically.
Moody's - WEConnect International Partnership: Reshape Tomorrow™
Moody's has selected a network of six partner organizations and programs, including WEConnect International, for its innovative, global program, Reshape Tomorrow™, to help owners of small and growing businesses overcome the challenges of expanding their enterprises.
With Moody's support, WEConnect International will launch the Global Training Program for Women Entrepreneurs and Financial Institutions in Canada, Germany, and Nigeria. Read More...


text:
For reservations assistance +1 844 896 0336
Something went wrong. Please try again.
The Urban King room was designed with the savvy traveler in mind and includes all the necessary tools to help them work efficiently whilst in Miami, including state-of-the art technology that allows content streaming, a full work desk and a complete room control system via the hotel's app. Guests enjoying a quick getaway in Miami can also take advantage of luxury bath amenities and the fully-stocked minibar featured in every room. The minimalistic design of the room allows guests to ingeniously store their belongings in a way that keeps everything organized and the room uncluttered, allowing guests to focus on what is important for them. Each Urban King room also boasts floor-to-ceiling windows and full balconies, permitting guests to sit out in the great Miami weather enjoying the views of Brickell and Downtown Miami.
Book directly on our website for the best available rate.
The more you stay, the more you play with a discount that grows with room nights.
Think global, stay local with our Florida Resident Offer.
"Care for you above and beyond"
788 Brickell Plaza Miami FL 33131USA
By continuing to browse www.east-miami.com, you will be agreeing to the Privacy Statement, and the Use of Cookies Policy while using the website.


text:
|Adopting a child is a wonderful experience, unfortunately it's not as easy as it sounds.
Adoption Lawyer in Peachtree City
Each State has its own adoption policies, so the process can vary considerably for families from State to State. The law offices of Thomas F Tierney can assist you with all the legal guidelines for families adopting in Georgia.
Whether you're adopting a newborn through private adoption, or adopting an infant or older child from U.S. foster care adoption, the law offices of Thomas F Tierney can answer all your questions about Georgia adoptions.
|© 2020 Thomas F Tierney | Attorney at Law | All Rights Reserved


text:
April 10, 2020
Submitted by: Bayer
Categories: Corporate Social Responsibility
Posted: Dec 03, 2009 – 08:24 AM EST
PITTSBURGH, Dec. 03 /CSRwire/ - Greg Babe, President and CEO of Bayer Corporation and Bayer MaterialScience LLC, will serve as executive chair of the American Chemistry Council's (ACC) Responsible Care$reg; Board Committee, Bayer announced today. Babe will succeed Oxy Chem CEO Chuck Anderson on January 1, 2010, and serve for three years.
"The chemical industry remains committed to the Responsible Care program and its mission of continuous improvement in the industry's health, safety and environmental performance," said Babe. "Under Chuck Anderson's leadership, the program continued to make great strides, and we will look to build on this momentum in 2010."
Babe brings more than 30 years of chemical industry experience at Bayer to this new role. He has held several management positions of increasing responsibility including manager of chemical facilities in the U.S. and Germany. As executive chair, Babe will direct the strategic review of the Responsible Care program to ensure that it meets the future needs of the industry and its stakeholders.
"We are fortunate an industry leader of Greg's standing is assuming the duties of Chairman for the Responsible Care Board Committee," said Cal Dooley, ACC's President and CEO. "He will follow a great leader in Chuck Anderson, and we are counting on Greg's vision and strategic leadership to help take Responsible Care to the next level, broadening linkages to sustainability, enhancing safe management of chemical products and promoting sound practices throughout the supply chain."
The ACC established its Responsible Care program in 1988 to focus on the areas of health, environment, safety and security. Participation is mandatory for all ACC member companies, who commit to meet defined performance and ethical standards. Since the Sept. 11, 2001, terrorist attacks, the chemistry industry has invested nearly $8 billion in security enhancements under the Responsible Care Security Code, the ACC reports.
Responsible Care is also a worldwide initiative. It is practiced by 53 national associations, which share a common global commitment to advancing the safe and secure management of chemical products and processes.
About Bayer Corporation
Bayer Corporation, headquartered in Pittsburgh, is a subsidiary of Bayer AG, an international health care, nutrition and high-tech materials group based in Leverkusen, Germany. In North America, Bayer had 2008 net sales of approximately 8 billion euros (about $12 billion) and employed 17,000 at year-end. Bayer's three subgroups, Bayer HealthCare, Bayer CropScience and Bayer MaterialScience, improve people's lives through a broad range of essential products that help diagnose, prevent and treat diseases; protect crops and enhance yields; and advance automobile safety and durability. For more information, go to .
About the American Chemistry Council
The American Chemistry Council (ACC) represents the leading companies engaged in the business of chemistry. ACC members apply the science of chemistry to make innovative products and services that make people's lives better, healthier and safer. ACC is committed to improved environmental, health and safety performance through Responsible Care®, common sense advocacy designed to address major public policy issues, and health and environmental research and product testing. The business of chemistry is a $689 billion enterprise and a key element of the nation's economy. It is one of the nation's largest exporters, accounting for ten cents out of every dollar in U.S. exports. Chemistry companies are among the largest investors in research and development. Safety and security have always been primary concerns of ACC members, and they have intensified their efforts, working closely with government agencies to improve security and to defend against any threat to the nation's critical infrastructure.
Forward-Looking Statements
This news release may contain forward-looking statements based on current assumptions and forecasts made by Bayer Group or subgroup management. Various known and unknown risks, uncertainties and other factors could lead to material differences between the actual future results, financial situation, development or performance of the company and the estimates given here. These factors include those discussed in Bayer's public reports which are available on the Bayer website at www.bayer.com. The company assumes no liability whatsoever to update these forward-looking statements or to conform them to future events or developments.
For more information, please contact:
For more from this organization:Bayer


text:
CITY/STATE: Tucson, AZ
PHILOSOPHY: Women look amazing without makeup. It's not necessary but it sure does make you feel damn good!
AM BEAUTY ROUTINE: Wash face with Johnson's Vita-Rich Soothing Body Wash With Rose Water, or take a shower and moisturize with Johnson's Moisturizing Baby Lotion with Coconut Oil. I use that everywhere! For makeup, Maybelline New York Fit-Me Matte + Poreless Liquid Foundation, e.l.f. Concealer in Beige, and Maybelline New York Fit Me Set + Smooth Powder Makeup. I finish off with BellaPierre Cosmetics Banana Setting Powder, Marsk Mineral Eyeshadow in You're Toast, Seraphine Botanicals Waterproof Liquid Liner Liquid Coal, Wet 'n Wild Mega Protein Waterproof Mascara, Pacifica Beauty Blushious Coconut & Rose Infused Cheek Color, and JLB Cosmetics Endless Glow Highlighter Collection.
PM BEAUTY ROUTINE: Wash face with Johnson's Vita-Rich Soothing Body Wash With Rose Water and hydrate with Johnson's Moisturizing Baby Lotion with Coconut Oil
CAN'T LIVE WITHOUT PRODUCT: Suave 24 Hour Protection Anti-Perspirant Deodorant Spray in Fresh
CAN'T LIVE WITHOUT COSMETIC: Maybelline New York Fit-Me Matte + Poreless Liquid Foundation
MOST EXPENSIVE PRODUCT: MAC Cosmetics lipstick — I love and I really don't buy expensive makeup
BEST BARGAIN PRODUCT: a CoverGirl Eye Enhancer 3 Coordinated Eyeshadow Kit I found at a dollar store
FAVORITE BEAUTY TOOL: BeautyBlender
Posts Tagged 'wet n wild'
UNDERCOVER AGENT REVEALED: ANALICIA!Thursday, September 6th, 2018
UNDERCOVER AGENT REVEALED: LISA!Thursday, August 16th, 2018
THE BUSINESS OF BEAUTY: MARKWINS ACQUIRES LORACTuesday, June 12th, 2018
Markwins Beauty Brands has completed a transaction that will usher the brand of LORAC Cosmetics, LLC under the umbrella of Markwins. LORAC Cosmetics was founded two decades ago by Hollywoodbeauty legend and PRO makeup artist Carol Shawafter she saw the need to develop products that wouldn't irritate her celebrity clients' sensitive skin. What resulted was a line of professional, red carpet ready formulations with skin-friendly ingredients available to all. Shaw will continue to work with Markwins as lead consultant on the brand.
"LORAC is the original professional makeup artistry brand, and Markwins is excited to add its unique market-positioning to our expanding brand portfolio," said Stefano Curti, Global President of Markwins. "With LORAC, Markwins enters the prestige channel with an iconic Hollywoodmainstay – expert products created under the intuition of makeup legend Carol Shaw, resulting in technologies that compel even the sharpest of beauty enthusiasts' critical eye."
As one of the largest privately-owned beauty companies, Markwins continues its industry growth with its fourth major acquisition in fifteen years. Markwins acquired AM Cosmetics with brands wet n wild and Black Radiance in 2003, Physicians Formula Holdings, Inc. in 2012, and Aspire Brands assets Bonne Bell and Lip Smacker in 2015. With the addition of LORAC, Markwins will complement its already well-established mass beauty portfolio with the addition of this prestige brand.


text:
Gravity of Perception
The Center for Visual Art's Gravity of Perception celebrates photography as a powerful tool for reflection.
In conjunction with Denver's Month of Photography, Gravity of Perception brings together artists who work with archives, both historic and newly created, to shed light on the past, reflect on our present, inspire hope for the future.
Sundown towns, redlining, Ferguson, LGBTQ discrimination and gun violence – these are difficult American histories. These histories contain stories we should not forget. And, many of these stories are not told often enough – including in fine art spaces.
Gravity of Perception, on view through March 23 at the Center for Visual Art, brings together 7 lens-based artists – Tya Anthony, Marcella Ernest, Kris Graves, Zora Murff, Lorenzo Triburgo, Xaveria Simmons and Krista Wortendyke – who delve into these histories in ways that are, "both understated and powerful, sobering and uplifting," says Cecily Cullen, Director and Curator of CVA.
Krista Wortendyke and Kris Graves prompt us to look closer at larger social issues and prompt conversations about race and violence. Whether it's Graves' haunting and poignant photographs memorializing the sites where young black men lost their lives to police or Wortendyke's colorful, abstract data visualization, the artists use visual absences to ask us to consider the implications of those losses.
"While the work in Gravity of Perception may prompt difficult conversations or shed light on uncomfortable truths, each artists' work also offers the opportunity for reflection and empathy. These artists do not just open our eyes and awareness, but invite us to envision a better, more inclusive future, " says Cullen.
In that vein, Xaviera Simmons and Tya Anthony create work that offers us a glimpse at what that future could be. In her Sundown series, Simmons envisions and crafts a world where the large volume of artistic and intellectual contributions of people of color are rightfully revered and held precious. Anthony's work boldly envisions the traditional tarot card deck with bodies of color standing as powerful deities, visionaries and archetypes.
"This exhibition celebrates the work of artists of color, female artists, LGBTQ artists and Native American artists. Artists from communities that generally do not receive as much opportunity and exposure in the fine art realm, " says Cullen. "A recent study by the Public Library of Science which found that 85 percent of artists in U.S. museum collections are white, and 87 percent are male confirms that representation is an ongoing issue."
Marcella Ernest and Lorenzo Triburgo's work explores the lives of individuals in these underrepresented, marginalized communities. Both artists explore their subjects' experiences as a way to translate critical issues of gender, sexuality, safety and belonging. Triburgo's beautifully rendered and protective "portraits" of LGBTQ prisoners and Ernest's experimental film amplifies their subjects' voices to an audience that might otherwise ignore them or keep them at a distance.
"What connects each of these artists – and all of the artists we work with at the CVA – is their approach to their practice and how they deftly imbue their work with a keen intelligence that compels you to look deeper, pause and reflect," says Cullen.
Zora Murff's sweeping work, Re-Making the Mark, is a notable example of that intellectual approach as he employs his deep knowledge of history and psychology to meditate on the differences, and similarities, between fast and slow violence. Just as America's urban landscape is still shaped by generations of segregation and systematic discrimination, we have the opportunity to learn from the past and use that insight to build a better, more inclusive tomorrow, starting today.
Gravity of Perception is organized by the Center for Visual Art and the Center for Fine Art Photography and is curated by Cecily Cullen, Hamidah Glasgow and Natascha Seideneck. Special thanks to the MSU Denver of Office of Diversity and Inclusion for their generous support.
About the Artists:
Tya Anthony draws from nostalgia, photographs acquired online and images from her extensive archive of family photographs. Her work in this exhibition explores the intersections of past and contemporary culture while creating a space of autonomy and regard for bodies of color. Website | @mztya
Marcella Ernest is an Ojibwe artist who creates video using poetic imagery and abstract narratives. In her video work, Because of Who I Am, Ernest layers imagery and sound to convey the anxiety and pain of discrimination for one who dared to push back against cultural gender norms established within a tribal community. Website | @marcellakwe
Kris Graves is a photographer who documents the landscapes where black Americans have died at the hands of police. The neighborhoods, streetscapes and parks look calm with the only indication of the past violence revealed through memorial elements such as stuffed animals and flowers. Website | @kgprojects
Zora Murff's photographic series prompts inquiry into how racial violence has been recorded through images, and how these same images can be used to interrupt collective belief. Website | @zorajmurff
Xaviera Simmons' photographs in her Sundown series reflect on discriminatory sundown towns where Black Americans are not welcome after dark. The work brings to light systemic prejudices and re-contextualizes archival photos from the past within contemporary photographs. Simmons honors the resilience of black Americans who have suffered from discriminatory laws and policies, while drawing parallels to conditions today. Website | #xavierasimmons
Lorenzo Triburgo's photo series, Policing Gender, examines mass incarceration from a queer perspective. The work alludes to the specific and intensified discrimination faced by prisoners who identify as LGBTQ. Triburgo supports this artwork by hosting workshops to lead participants in the act of becoming pen pals to LGBTQ-identifying prisoners as a way to provide support and a measure of safety to those prisoners. Website | @lorenzotriburgo
Krista Wortendyke's photographs examine violence and society's perception of violent events through the lens of data and contemporary art. Her artwork, Mass Observation, compiles visual documentation of media representation of violence. This collection of imagery creates an archive of sorts and asks the viewer to consider if there is another way to perceive these events. Website
Gravity of Perception Events:
Opening Reception
Friday, January 11, 6 - 8 pm | Join the curators for welcoming remarks and light refreshments. VIP Preview at 5:30 pm.
Lorenzo Triburgo Artist Talk and Workshop
Wednesday, February 20, 6 pm
Xaviera Simmons Artist Talk
Friday, March 15, 6 pm
Kris Graves and Zora Murff Artist Talk
Thursday, March 21, 6 pm
Closing Reception and Dance Performance by MSU Denver students
Friday, March 22, 6 pm
965 Project Gallery:
The 965 Project Gallery presents The Space Between. In this exhibition, MSU Denver photography students uncover narratives of lives that lie between categories; exposing the spaces between past and present, freedom and oppression, dreams and reality. Monique Archuleta confronts the Nation's turbulent past through archive photos of the 1960s Chicano Civil Rights movement contrasted with images of the sites as they appear today. Olivia Garcia Escandon exemplifies the duality of being a Dreamer in America with dynamic portraits of Latinx students bisected by drastic shadows while posing in front of the United States flag. This exhibition was co-curated by Kristin Smith, 965 Student Curator and Natascha Seideneck, Assistant Professor of Art - Photography, MSU Denver. The 965 Project Gallery is a student-led space that provides premiere professional development opportunities to students interested in fine art curation and arts administration.
About CVA:
Center for Visual Art is the off-campus contemporary art center for Metropolitan State University of Denver. CVA provides a year-round schedule of bold, contemporary exhibitions of both local significance and international reach, educational programming open to the community and immersive workforce development for students in creative fields. CVA is free and open to all.
Media Contact:
Heather Link-Bergman, Communications Manager
email@example.com • 303-294-5207 x120


text:
Swim Lough Rynn
Watch | Nearly 300 competitors set to take part in Swim Lough Rynn
The official launch of Swim Lough Rynn 2018, which will take place this Sunday, July 29 was held recently with members of the organising committee, local Councillors and officials from Leitrim County Council present.
Almost 300 swimmers have signed up for the event, which is fully sold out, and they will compete in three different events - 750 metre, 2k and 4k at the Lough Rynn Recreational Facility.
The 750m event (skins and wetsuits) will commence at 9.30am, followed by the 2k race (skins and wetsuits) and 10.30am and the 4k swim (skins and wetsuits) is scheduled to get underway at 12pm.
Official launch of SwimLoughRynn2018. 300 competitors registerd for this Unique Open Water Swim Race, on Leitrim's very own, laned multi-sport facility at Lough Rynn, on July 29th.Thanks to the hard work of the SwimLoughRynn committee & their Vision #leitrim #SwimLoughRynn2018 pic.twitter.com/d86jnszZ4E— Sinead Guckian (@SineadGuckian) July 16, 2018
Race briefings will take place 30 minutes before each race start beside the water entry / exit point. Competitors are asked to leave themselves five minutes to walk to this area from the car park / enclosure area. All competitors must attend the race briefing.
Registration will take place in the office located in the main building at the Caravan Park. Registrations will close strictly on time to allow each race underway on time so please arrive in plenty of time. There will be no registration allowed after the end times outlined below under any circumstances.
Registration for the 750m - 7.45am-8.30am; 2k - 8.45am-9.30am and 4k - 10.15am-11.30am.
At registration competitors will receive a coloured swim hat (which must be worn during the race itself) and a timing chip (which must be worn on your wrist). Race numbers will also be written on competitor's hand in black marker as a backup to the finish judges.
Read Also:
Big week for Drumshanbo with Joe Mooney Summer School and new Blueway Waterpark
A Shannon tourism masterplan is being developed as part of Ireland's Hidden Heartlands


text:
Ptolemy's Principles Of Astrology – The Basic Principles of Astrology Laid Down by Ptolemy Nearly 2000 Years Ago
- NakshathraMagha
- YogaDand
- VaraSunday
- ThithiShukla Dwadashi
- KaranaBaalav
- Sunrise06:13
- Sunset18:31
Shashtiamsa (D-60) Amsa Rulers:
Shashtiamsa Varga indicates the Sum of the Balance Sheets of our previous lives – basically indicates the position and the avasthas of the planets based on the karma of past lives of ours /our parents etc. Planets take up different avasthas, exaltation and Debilitation points, Benefic and Malefic Influences based on the summation of past […]
Why are Planets Important in Jothishi?
Jothishi or Vedic astrology uses nine 'planets' or Grahas. Though the Grahas are not planets as per the scientific definition of the word, the word Graha has been translated as 'planet'. The planets used are the Sun, Moon, Mars, Venus, Mercury, Saturn, Jupiter and the nodes of the Moon (Rahu and Ketu). The planets in […]
Abhijeet Nakshatra
Nakshatra Nakshatra is defined as the Lunar mansion according to the Vedic astrology. It defines the movement of the sun and the Lunar Constellations. In order to go from One Zodiac Sign to the next, the moon takes about 2-3 days. Therefore, in order to complete the circle, it takes 28 days. Hence 28 nakshatras. […]
Fictitious Planet – Ketu Like Rahu, Ketu is also a shadow planet. It is not a physical planet, it is invisible and a mere point in the cosmic arrangement. Ketu is for Moksha or liberation. It is a malefic planet but not as malefic as Rahu. Ketu does bestow mis-happenings in life but with the […]
Raja Yogas
Malavya Yoga
M Malavya Yoga is one of the Panch Mahapurush Yoga. In Sanskrit, this breaks down as "Panch" means "Five", "Maha" means "Great" and "Purush" means "Man (or an individual)". The Panch Mahapurush Yoga is formed by the five planets, which are Jupiter, Mars, Mercury, Saturn or Venus. Either one of these planets need to be […]
Lalitha Ashtotra Shata Namavali
oṃ rajatācala śṛṅgāgra madhyasthāyai namaḥ oṃ himācala mahāvaṃśa pāvanāyai namaḥ oṃ śaṅkarārdhāṅga saundarya śarīrāyai namaḥ oṃ lasanmarakata svacca vigrahāyai namaḥ oṃ mahātiśaya saundarya lāvaṇyāyai namaḥ oṃ śaśāṅkaśekhara prāṇavallabhāyai namaḥ oṃ sadā pañcadaśātmaikya svarūpāyai namaḥ oṃ vajramāṇikya kaṭaka kirīṭāyai namaḥ oṃ kastūrī tilakollāsita niṭalāyai namaḥ oṃ bhasmarekhāṅkita lasanmastakāyai namaḥ oṃ vikacāmbhoruhadaḻa locanāyai namaḥ oṃ śaraccāmpeya puśhpābha […]
Shlokas and Mantras
Durga Ashtottara – 108 names of Goddess Durga
1 Om Drugayai Namaha 2 Om Shivayai Namaha 3 Om Maha Lakshmyai Namaha 4 Om Maha Gouryai Namaha 5 Om Chandikaye Namaha 6 Om Sarva Gynayai Namaha 7 Om Sarva Lokeshayai Namaha 8 Om Sarva Karma Phala Pradayai Namaha 9 Om Sarva Teerdha Mayai Namaha 10 Om Pun Yayai Namaha 11 Om Deva Yonaye Namaha […]
Sun Signs
Global Leaders and Their Zodiac Signs
Even if you don't believe it, zodiac signs do influence your personality. The time of your birth decides which zodiac sign will shape your mental abilities. Moreover, these abilities stay with you and guide you on each and every step of your life. In fact, it is through the use of these psychic powers many […]
Temples of India
Planets/ Grahas in Vedic Astrology: Navagraha
Planets/ Grahas in Vedic Astrology: Navagraha There are seven planets (grahas) in Vedic astrology They are Sun, Moon, Mars, Mercury, Jupiter, Venus and Saturn. Two more chaayaa grahas (shadow planets) are listed: Rahu and Ketu. Rahu and Ketu are axis and mathematical points. They are also called the north and south nodes or the head […]
Vedic Astrology Houses
Jupiter Transit: Facts, Effects, Remedies & More!
Do you know what happens when Jupiter transits Sagittarius on the 28th of March? Are you interested in knowing what the lucky planet has in store for your zodiac sign? What will be the effects of the movement of this planet on your personality, health, wealth, and future? Jupiter transit 2019 predictions may open a […]
Vedic Baby Names
Baby Names Based on Goddess Saraswati
Name Meaning Baani Earth, Goddess Saraswati, Maiden Bhagavath Name of Goddess Saraswati Devi inspired, Intuitive, And creative, Goddess Durga Chitradevi Goddess Saraswati, Chitra – picture, Devi – Goddess Hamsika Goddess Saraswati, The one who has a swan as her vehicle Hamsini Who rides a swan, Goddess Saraswati; who rides a swan; Saraswathi Hansaveni Another name […]
Vishnu Sahasranamam
Vishnu Sahasranamam
Vishnu Sahasranama: (1000 names of Vishnu) Shlokha 1: 1. Vishvam: He who is the Universe, reason for Universe, the entire being. 2. Vishnu: He who isAll Pervading, Omnipresent, Remover of darkness 3. Vashatkara: One who controls and directs 4. Bhuta-Bhavya-Bhavat-Prabhu: Lord of past, present and the future. 5. Bhuta-Krit: Creator of all beings. 6. Bhuta-Bhrt: The sustainer […]


text:
Migraine symptoms can significantly affect your life. Severe or frequent attacks force some people to put their lives on hold.
At Allegheny Health Network (AHN) Neuroscience Institute, we work with you to diagnose and relieve your pain. We use personalized treatment plans and a wide range of treatment options – including promising new medications that may prevent migraines from starting – to get you much-needed migraine relief.
What is a migraine?
Migraines involve much more than throbbing head pain. They are the subject of intense investigation by medical researchers, and physicians currently believe that a migraine is a medical disorder that affects the brain and nervous system. Doctors still have much to learn about the exact cause of migraines and the most effective ways to treat them.
Although people usually experience migraine headaches on one side of the head, some people have pain on both sides. A migraine attack can last hours or even days, and some people may only find comfort by lying down in a quiet, dark room.
Learn more about other types of headaches, including cluster headaches and tension headaches.
Migraine symptoms
People may experience migraine symptoms differently. The most typical migraine symptom is an intense throbbing and pounding pain, which may come with nausea and vomiting or extreme sensitivity to light and sounds. There are known migraine symptoms that often occur before, during, or after an attack:
Common symptoms before a migraine
One or two days before a migraine, you may notice slight changes that indicate an oncoming migraine, including:
- Constipation
- Depression
- Food cravings
- Hyperactivity
- Irritability
- Neck stiffness
- Uncontrollable yawning
Common symptoms during a migraine
Some people experience an aura (visual change) or other nervous system symptoms that usually begin slowly and may last for 20 to 60 minutes, including:
- Pins and needles sensations in an arm or leg
- Speech or language problems (aphasia)
- Vision loss
- Visual phenomena, such as seeing various shapes, bright spots, or flashes of light
When untreated, a migraine usually lasts from four hours to three days. This timeframe differs in each person. You may have migraines several times a month or much less often. You may experience any or all of these symptoms:
- Blurred vision
- Lightheadedness, sometimes followed by fainting
- Nausea and vomiting
- Pain on one side or both sides of your head
- A pulsating, throbbing pain
- Sensitivity to light, sounds, and sometimes smells
Common symptoms after a migraine
The final phase of a migraine is known as postdrome, or after the attack. During this time people often feel drained and washed out. Some people report feeling mildly euphoric, or overjoyed.
Diagnosing migraines
We offer expert guidance on headache care. We may recommend imaging tests to confirm a diagnosis or rule out other potential causes of your pain.
We talk with you to help pinpoint the cause of your headache pain. During a thorough medical history and physical examination, we may ask you about:
- Location of pain: Where do you feel the headache pain?
- Severity: How severe is the pain?
- Frequency: How often do you experience headache pain?
- Symptoms: Do you have other symptoms, such as visual disturbances or nausea?
- Patterns: Have you noticed any patterns, including what may trigger headaches?
- Treatments: What treatments have you tried so far? Have they helped?
Treating migraines
We pursue multiple options when treating migraines. Our physicians work with you to determine the best treatment choice (or choices) for your situation and symptoms. Read more about our expert approach to headache care.
Migraine treatments include:
- Oral medication: Medications target migraine symptoms in different ways. Some provide fast-acting migraine pain relief, while others minimize symptoms such as nausea and vertigo. Clinical trials are testing promising new medications that focus on preventing migraines altogether.
- Infusion therapy: Our on-site infusion center gives medicine intravenously (through an IV in your arm) to people who have migraines that have lasted for several days.
- Non-medication therapies: Changing your routines or habits may also improve your migraine symptoms. Our physicians help people find migraine relief through:
- Alternative therapy
- Biofeedback
- Cognitive behavioral therapy
- Diet changes
- Stress management techniques
Contact us
Call 412-578-3925 to schedule an appointment at the AHN Headache Center.
AHN Headache Center
West Penn Hospital
4815 Liberty Ave.
Suite 439
Pittsburgh, PA 15224
Connect to Care
With AHN, the right care is always close to home. Use our Find a Doctor tool and make an appointment today.


text:
Physical shops are shutting all throughout the country. More and more individuals understand and rely on Amazon to purchase things online. So marketing things on Amazon is a huge possibility that most individuals put on 't even find out about.
That 's why Matt Clark and also Jason Katzenback created the Amazing Selling Machine (ASM). The program has been around considering that 2012, and also it 's currently in its eleventh version, which will certainly be launching in Oct 2019.
With lots of programs out there promising to help you get rich quick by offering on Amazon, it is very easy to be skeptical.
Video: Amazing Selling Machine
My Amazon FBA Journey Fba Amazon Start
In 2019, I was looking to buy and sell associate sites while viewing on Empire Flippers and I maintained seeing the same point over as well as over once more …
Amazon FBA organisations were eliminating it.
Amazon FBA businesses are going anywhere from 25-35x monthly revenue. So if an organisation is producing $1000/month profit, they were costing $25,000 for $35,000!
Below are the most affordable organisations being offered:
and also here are the most expensive Amazon FBA organisations being cost millions…
As you can see, there is a lots of loan to be made not just marketing points on Amazon FBA, yet also offering actual Amazon FBA organisations themselves.
That 's when I knew I had to establish one more income stream by opening up my own FBA organisation.
So after doing lots of study as well as considering the most effective Amazon FBA training courses about, I determined to not cheap out as well as get the best training course I can locate … Amazing Selling Machine X (ASMX).
With considering lots of evaluations as well as different courses, I picked Amazing Selling Machine since they simply have so many persuading endorsements and also nothing else program has the background of structure effective Amazon FBA business owners like it does.
Discover more About Amazing Selling Machine Here!
What is the Amazing Selling Machine? Fba Amazon Start
The Amazing Selling Machine, or ASM, is basically a comprehensive training program developed by market professionals that assists you take advantage of the power of Amazon to develop a successful as well as fast-growing organisation from the comfort of your own house.
The program is not low-cost nevertheless. So if your not significant about building an Amazon FBA organisation as well as following through on it, I would certainly not recommend you get this training course.
However with hefty price, you should anticipate to receive some quite intense support as well as life-altering understanding, and generally that is what you get!
Normally in this component, I would offer you an inside take a look at the program, nevertheless I am not permitted to post these screenshots so I will give a thorough check out what you can anticipate.
Exactly how Does It Work? Fba Amazon Start
ASM X is a full training overview that instructs you exactly how to properly sell items utilizing the most significant marketing system around, Amazon.
Not only does the program educate you just how to efficiently sell on Amazon, yet they also show you how to construct a profitable brand name that you can later cost some pretty big multiples.
Below's just how it functions:
In order to be successful and earn a profit with Amazon FBA, you require to keep the expense of the product you are offering means down. But it isn 't nearly purchasing affordable things, its about purchasing the appropriate kind of items in the appropriate kind of niche.
ASM X undergoes particular niche selection, product selection as well as supplier selection really thoroughly as we will later review.
When you determine what type of product or particular niche you are wanting to seek, ASM will instruct you how to reach out to Chinese suppliers as well as have them send you product examples.
As soon as you are satisfied with a producer and also their product, you purchase it in mass amounts for resale.
Be aware that you need to do substantial research study into your niche before making deals with manufacturers and buying bulk quantities. Some items bought wholesale can cost you thousands, so you will definitely need to see to it that it is something that you can effectively market.
ASM helps guide you with every one of this, so don't stress if you do not have experience investigating products and particular niches.
As soon as you get your item, it will certainly be shipped to Fulfillment By Amazon for circulation and sale. From there, Amazon not just stores your inventory for you, however they also offer, and also deliver it for you too.
Audio simple? Well it could seem simple initially, but there is a great deal of work that needs to be done to have an effective Amazon FBA service.
What 's Inside Amazing Selling Machine? Fba Amazon Start
Here is a quick introduction of everything you receive from ASMX:
- An 8-week training program readily available via the online course
- Access to the training mentorship program
- Lifetime subscription to ASM's neighborhood and forum
- A collection of exclusive team training calls
- Specialist product listings
- Targeted website traffic promos by the ASM group to your new items
- Private resource safe
The training offers every little thing you require to start and also preserve an Amazon FBA business.
It is created to make sure that even if you can literally have zero experience in internet marketing and still be successful with this program.
Nevertheless this does not mean that becoming successful is assured or very easy!
You will have to strive, and also have a little luck to get your company going.
Amazing Selling Machine X is created to compete 8-weeks, but you can do it at your very own pace. For me personally, it took a solid 2 days of seeing video clips to via all of it.
Pro Tip: Plowing with videos on ASMX is not just how it is implied to be viewed, it is far better to finish a week and also do all the "activity steps " before jumping ahead and viewing the following set of videos.
Below is an in-depth look at what you will certainly get in of every week:
Welcome Module: The ASM Business Process and also Mindset (20 Lessons) Fba Amazon Start
In the welcome module you get a review of the program, the different points you obtain accessibility to, such as the mentorship program (which is really amazing, as well as is consisted of in ASM) as well as a review of everything to do with Amazon FBA.
Component 1: Building Your Product Opportunity List (18 Lessons)
In module 1 you are offered the structure of your Amazon FBA company understanding. How to examine competition, what makes a warm item, what items to prevent and also the specific criteria you ought to utilize when determining which item to offer.
The video clips likewise come with web links to various other sources and PDF 's, so by the end of the program you will have a bunch of PDF 's you can look over as opposed to needing to go back and enjoy each video clip.
These video clips were eye opening to me, because they take you with a step by step procedure of how to pick a rewarding product so that by the end of the videos you feel confident you can pick a winning thing to sell and start kicking butt!
Component 2: Suppliers, Samples, as well as Profit Numbers (11 Lessons)
This is where the rubber hits the road. You will certainly discover all about how to pick distributors, exactly how to contact them and also make on your own look specialist and also just how to determine your actual prices to ensure that there aren 't any kind of shocks.
One I concept I got from today that I actually liked is the concept of "item tuning " which is taking a standard thing and also tweaking it to boost it to ensure that your clients will certainly like it better than the competitors.
Likewise included at the end of the video clips is a pre-recorded training telephone call where inquiries other trainees asked are answered, so it aids reinforce principles.
Component 3: Ordering the Inventory and also Creating Your Brand (16 Lessons)
If you followed the "action steps " in component 2, by the time you reach module 3 you will certainly have received some examples that you have bought from possible vendors.
In this component you will be offered a criteria for selecting an excellent vendor as well as also an introduction on exactly how to construct a brand.
Developing a brand name is among the big principles Amazing Selling Machine presses because it gives reliability to your business, which suggests a lot more sales.
Part of building a brand name is having repeat consumers, so ASM also teaches you how to do that by developing an e-mail list on autopilot.
At the end of this component you would certainly have chosen a product and also distributor, chosen your delivery approach as well as will certainly have placed your initial mass order!
Component 4: Building Your Brand Assets (14 Lessons)
BOOM! In component 4 you just placed your first order, as well as now you need to unwind and wait.
So in this component, ASM will certainly take you through developing your "brand assets " which is simply an elegant means of stating "get your spunk with each other SON! " aka get a blog site, and also start a lot of social media accounts.
ASM will certainly additionally show you how to set up an autoresponder to build your e-mail checklist. Every one of this things is great, but I skipped over a lot of it since I currently have an e-mail -responder and can make a landing page appearance rather dang sweet.
Component 5: The Perfect Product Page (14 Lessons)
STILL WAITING. It can occupy to a month, or a lot more, prior to your product gets shipped to Amazon FBA, so in this component you will certainly learn all about producing a product listing that will market itself.
Yet it is not just about images and copywriting that you will certainly need to learn, its likewise concerning keyword research study and making it to ensure that people can in fact locate (as well as purchase) your product in Amazon.
Lot 's of excellent information in below, I wear 't advise avoiding anything.
Component 6: The Perfect Product Launch (12 Lessons)
Module 6 is my much-loved component of the training course, as well as it is where the actual golden nuggets of information are.
Unlike various other Amazon FBA programs, ASM prides itself on offering you sustainable, non-shady tactics that will certainly assist your organisation grow organically without the risk of running afoul of Amazon 's terms of solution.
By week 6 you ought to have currently received your shipment and must be ready to roll, so all that 's left is releasing your product in such a way to make it go viral so that it rates very in Amazon 's online search engine.
To do this, Amazing Selling Machine has a specific formula called the "Launch, Blitz and Rank ' formula which will certainly help your product achieve maximum outcomes.
This formula alone is nearly worth the price of admission as well as I can 't wait to put it to make use of.
Module 7: Advanced Marketing and also Traffic Tools (12 Lessons)
In module 7 you will certainly discover all the various methods you can drive more traffic to your product listing utilizing both paid and also complimentary methods.
Amazon.com has lots of different promos you can run, and also ASM will show you exactly how to make one of the most out of each one.
Component 8: Taking Your Business to the Next Level (11 Lessons)
In component 8, it is all about scaling as well as growing your organisation. So once you have introduced your initial product, there are some huge choices you have to make such as "will you launch a related product? " or "will certainly you introduce an entirely various item ".
These lessons experience every one of these scenarios to aid you with your decision.
At the end there is even a lesson called "Growing your company for capital or to squander? " which is specifically what I was seeking when I began this training course as well as has some wonderful ideas.
ASM also has their very own Amazon FBA business offering service called Amazing Legacy which is similar to Empire Flippers.
Bonus Offer: Supplementary Lessons as well as Calls (14 Lessons)
ASM additionally has a benefit section that comes with tons of great interviews with other ASM participants that have had success which is constantly very motivating.
Is the ASM X Worth the High Price Tag? Fba Amazon Start
At practically $5000 to buy into the Amazing Selling Machine, it's understandable why some individuals think twice.
It's a great deal of cash – cash well spent if you ask the countless effective ASM individuals that have begun effective organisations thanks to the program.
I put on 't normally like courses that set you back more than $1,000, yet in this case the cost of the training course mirrors the worth you receive. You get training from market experts; as well as reach connect with ASM mentors who will certainly show you exactly just how to be successful.
Yet with the 30-day money-back guarantee it allows you actually take a look at the training course risk complimentary and see if you wish to maintain it or otherwise.
When you are within, and start interacting with area you will certainly see why many people put on 't cancel their membership after 30 days.
Take A Look At Amazing Selling Machine 's Free New Webinar


text:
Dark Rustic Prairie Casual Rustic Server - [972-99]
- FREE Shipping!
- No Sales Tax
- Usually Ships Next Day
- Dimensions: 52 x 18 x 36h
- Weight: 161 lbs.
The Dark Rustic Prairie Casual Rustic Server has the following features:
- Manufactured by Jofran Furniture
- Part of the Dark Rustic Prairie Collection Collection
- Wood construction, in brown
- One of our casual-styled sideboards that will work in almost any dining room
This rustic dining server features two doors, one drawer, a removable wine rack, and an adjustable shelf to provide ample storage for all of your dining accessories. The simple style promotes a feel of casual comfort with basic beveled details that don't go over-board. Finished in Dark Rustic Prairie brown with round knob hardware.
Usually ships the next business day. Though most shipments arrive early, please allow up to 7-10 business days for delivery.
Stock Status: In stock.
- Style
- Casual
- Manufacturer
- Jofran Furniture
- Collection
- Dark Rustic Prairie Collection
- Color
- Brown
- Material
- Wood
- Room
- Dining Room
- Item
- Sideboards
There are no reviews for this product yet.
Related Products
Customers Who Like this Item Also Viewed:


text:
Governor Point is an adult-only [19+] building with no pets or rentals. The two enclosed balconies are not included in square footage - 11' x 8' off L/R & 7'6 x 5'6 off Kit. Faces east and north and has great views. Across the street from the Kerrisdale Community Centre, pool and library. Two underground parking spaces and storage locker. All the rooms are very spacious and make moving from a house extremely easy.
Clothes Washer/Dryer, Dishwasher, Disposal - Waste, Microwave, Oven-Built In, Range, Refrigerator, Security System, Windows - Thermo, Vacuum Blt. In
Elevator, In Suite Laundry, Storage
RE/MAX Select Properties
The data relating to real estate on this web site comes in part from the MLS Reciprocity program of the Real Estate Board of Greater Vancouver. Real estate listings held by participating real estate firms are marked with the MLSR logo and detailed information about the listing includes the name of the listing agent. This representation is based in whole or part on data generated by the Real Estate Board of Greater Vancouver which assumes no responsibility for its accuracy. The materials contained on this page may not be reproduced without the express written consent of the Real Estate Board of Greater Vancouver. Copyright 2019 by the Real Estate Board of Greater Vancouver, Fraser Valley Real Estate Board, Chilliwack and District Real Estate Board, BC Northern Real Estate Board, and Kootenay Real Estate Board. All Rights Reserved.


text:
Putting all eyes on
your business.
How often do you step back from your business and take a good look at how it might appear to an outsider?
At 22 Create, we want to make sure your business is being represented in the way you want it to be. Your brand says a lot about your personality, your staff and how you do business, so getting it right is critical for a successful future.
We want all eyes to be on your business for the right reasons. We want your existing customers to be dazzled and your target audience to be seduced!
A brand isn't just about looking pretty. It's about your company's culture, what you stand for, the language you use and the ways you communicate with those around you.
As part of 22 Create's branding and design process, we like to understand your goals, and help you recognise the boundaries you face. We help you define a strategy and cement your place in your industry.
It's time to do something different. In other words, we'll be your fresh eyes.
Don't just take our
word for it.
"Our work with 22 Create has involved a brand 'refresh' exercise whereby we have introduced new elements which will help the consumer relate to the brand and enable them to keep in touch will all of Lambrini's latest adventures! We are confident that our work with 22 Create will help improve the brand engagement with both our current and new audiences. We choose our partners carefully and cannot recommend 22 Create enough."
Andrew Turner, Director of Wine, Halewood International
"22 Create have used their flair and business acumen to deliver a new brand, website and materials that positions ourselves as market leaders within our field."
Mike Rose, Managing Director, P Ducker Systems
"22 Create recently helped us create a new look and feel for our brand. Taking it from start to finish they developed something fresh and up to date yet capturing our heritage. What they have created has fantastic reusability and potential for application from instant brand presence to individual finishing touches."
Dan Harwood, Head of Wine Education, Barwell & Jones


text:
Traffic and Conversions Explained
Traffic and Conversions Explained
What proof do you have that whatever it is that you're selling even works?
Usually, when people land on your sales letter or sales video or they come in contact with your offers or you or what you're selling or providing, they will either believe you or they won't.
You either resonate with them or you don't resonate with them.
They either want to give you money or they don't.
And the way to get them to give you money is by tapping into triggers.
One of the biggest triggers to tap into is the power of proof factors.
The more proof that you can show, the more money you're going to make.
So, if you're not seeing very good conversions this is the best thing that you can do:
- You need to check your copywriting and make sure it's following the strategy and it's not just crap.
2. The next thing you want to do is check your proof factors.
Spend time focusing on getting your proof factors dialed in.
The more proof that you can show, the more likely people will believe you.
Even if it's subconsciously, they'll buy your stuff and feel compelled to buy your stuff if they see the proof.
If they don't see the proof, then they'll be skeptical.
They'll come up with all kinds of skeptical thoughts and skeptical questions and things like that to talk themselves out of buying what you are selling.
But, if you can provide really, really strong proof factors, they won't be able to help themselves, they'll just have to buy.
And that's what you want to do.
I'm talking about proof factors like testimonials.
That's a big one, right?
For example, if you're going to buy a book on Amazon and you see lots of social proof, lots of testimonials of people saying really good things about that book that you're looking to buy.
Then your chances of buying that book just increased big time because of what everyone is saying.
However, if everyone on that Amazon review section is negative saying how terrible the book is then you're probably not going to buy it.
Those are proof factors – testimonials and reviews.
Social proof can even be manufactured.
If some of your customers shoot a video for you then you can give them a bonus for doing that saying how great your stuff is.
Maybe you have an offline workshop or seminar, and you get a bunch of people to record testimonial videos at the seminar.
On these videos they're saying how great you are and how great your product is and now can you can use those videos to your advantage to sell.
Images, graphics, screenshots, endorsements, case studies, graphs, charts, quotes, statistics are all credibility type proof factors.
You've probably seen different websites with things on it like 'as seen on CNN,' 'as seen on Fox News,' 'as seen in the Wall Street Journal,' as seen on Entrepreneur.com.
All this stuff helps support your case that you have a compelling product and that they need to buy it.
This is yet another reason why manufacturing celebrities or authorities can increase your proof factors.
If you combine all the celebrity and authority appeal with the conversion tactics, testimonials, social proof, videos, images, case studies, endorsements, manufacturing celebrity authority, and branding, then your high-ticket offers virtually sell themselves.
This is where you can make a drastic difference in your income.
If you're popping thousand-dollar sales on a daily basis, that can make a big difference in your income and can help you pay some bills.
So proof factors compel people to buy and you don't want to ignore those.
If you find that your offer is not converting well then just go through this simple checklist:
- How is your copywriting on your sales page?
Regardless if you're using written sales copy if it's a sales video – however you're pitching your offer – check the copywriting.
Is it tapping into the triggers?
Does it have urgency, scarcity and social proof?
Is it tapping into the proof factors?
Is it tapping into the pain and all this stuff we talked about earlier?
2. The next thing you want to check are your proof factors.
What are the proof factors?
Do you have any?
Are you a 'nobody' that no one online has ever heard of?
Let's say your name is Bob Smith and you're in the internet marketing niche.
Even though Bob Smith is a common name, people will realize that and they'll search 'Bob Smith Internet Marketer".'
Or, if Bob Smith is in your name and you're in weight loss, they'll type in 'Bob Smith fitness, Bob Smith weight loss, Bob Smith diet,' and search for you with those kinds of words to see what pops up about you.
So you combine all of that and that increases the likelihood that somebody's going to buy.
3. Next, you want to check your offer.
Whatever it is that you're offering may not be resonating with people.
Maybe, for example, you're offering to do one-on-one coaching once every other month.
Well, they may look at that and say 'that's too long, I don't want that, I want more coaching and more often, like once a week,' something like that.
So you have to look at what you're offering and just make sure it's a good offer, that it's compelling and it's what people want to buy.
A lot of the time it's just your offer alone that's killing conversions.
If you have really good copywriting, you have really good proof factors, and you have a really good offer then you should be making a lot of money.


text:
Item-Num.: SB2375
Asymmetrically Striped Tie in Soft Silvers
Product Details
Skip the basic and drab menswear accessories this season and go straight for chic and shimmery accent pieces like this asymmetrically striped tie in soft silvers. The trio of light silvers is enough to radiate any room.
Coordinate a sizzling combination by pairing this designer necktie with a solid white poplin dress shirt, silver cufflinks and a Italian tailored suit with peak lapels. Crafted from an exquisite silk and handwoven with a Jacquard loom.
Length: 58, Width: 3.25
Product Rewiews
Timothy's review
"Satisfied with product."
leah's review
"Decent tie for such a good price, groomsman wore to weddinh"
John's review
"Very happy with the quality of this tie"
Nadine's review
"The groom will be wearing a light gray suit and this tie will be fabulous, excellent quality and quick service, would recommend to anyone looking for inexpensive but good ties."
Cheap neckties | Red Ties | Black Tie | White Ties | Pink Ties | Yellow Ties | Orange Ties | Silver Ties | Bow Ties | Formal ties | Wedding Ties | Extra Long Ties | Women´s Ties | Tie Bars | Kids Ties | Solid Colored Ties | Striped Ties | Pocket Squares | How to tie a tie | How to fold a pocket square | Custom Ties | Uniform Ties | Womens Scarves | Custom Ties


text:
FIRST-PERSON: Chew and chew and chew
DITTMER, Mo. (BP) -- The first time I ever ate shark meat was at a Chinese restaurant in Mexico in 1991. Specialist Salters, a soldier in my Army unit, took Pamela and me to a little restaurant in Juarez as a wedding present to us.
In attempting to show off in front of my new bride and demonstrate that I ate "exotic" stuff all the time, I stuck a huge piece of shark meat in my mouth. I had never had this before and knew nothing about the texture.
Let's just say, it was very "chewy" and I wound up eating on that piece of meat for quite a long time. Because I was too proud or embarrassed to spit the piece of shark meat out, I just kept chewing on it while the rest of my food got cold and my wife and Specialist Salters had finished about half of their meals.
Many times in life, we bite off more than we can chew. Like me, we may be too proud or embarrassed to admit that we overcommitted ourselves and will just continue to chew and chew and chew.
Some of us overcommit because we are unable to say "no." Others do so because they feel that "the job won't get done." And others overcommit because they are workaholics and don't realize they are "only one person." As Christ followers, there are many good things, including spiritual activities, which constantly compete for our attention. It can be challenging to know when to say "no".
There are many different plans or techniques that are useful in helping balance our "yes" and "no" commitments. As followers of Christ, we should always begin by committing or surrendering all that we do to the Lord (Proverbs 16:3; Luke 9:23). After that, we can prioritize things by asking ourselves some questions, for instance:
-- How does this potential opportunity align with God's purpose and calling for my life?
-- Looking at my current schedule, can I manage this new opportunity and do it well? Will I need to stop doing another commitment in order to make room for this new opportunity? If so, what will that be?
-- What concerns do I have? What will it cost me if I say "yes"? Or what will it cost me if I say "no"?
-- Is this something that only I can do or could it be delegated? Is this someone else's responsibility or problem?
Overcommitting is not healthy for our physical, mental or spiritual well-being. Learning when to say "yes" or "no" will be something we do all our lives.
I love the story in Exodus 18:13-26 when Jethro came to his son-in-law Moses and gave him some corrective advice when he saw Moses overdoing himself by trying to judge every single disagreement the people of Israel had with each other.
I laugh almost every time I read verse 18: "You will surely wear out, both yourself and these people who are with you, for the task is too heavy for you; you cannot do it alone."
It's good counsel: Don't overcommit yourself. It's not good for you -- or anyone else.


text:
The input numbers must be greater than or equal to zero and no larger than 2^48 - 1.
The OR function is a logical function to test multiple conditions at the same time. OR returns either TRUE or FALSE. For example, to test A1 for either "x" or "y", use =OR(A1="x",A1="y"). The OR function can be used as the logical test inside the...
Formulas are the key to getting things done in Excel. In this accelerated training, you'll learn how to use formulas to manipulate text, work with dates and times, lookup values with VLOOKUP and INDEX & MATCH, count and sum with criteria, dynamically rank values, and create dynamic ranges. You'll also learn how to troubleshoot, trace errors, and fix problems. Instant access. See details here.
Get over 200 Excel shortcuts for Windows and Mac in one handy PDF.
Quick, clean, and to the point.
Learn more


text:
Aeronet Worldwide (Aeronet, Inc.) announced that Kevin Mautino has been promoted to Director of Marketing and Product Development following the retirement of Vice President of Marketing Felipe Arjonilla. Kevin previously joined Aeronet's management team in January of this year.
Kevin has 17 years of experience in marketing—performing various leadership duties as well as playing a hands-on role in design, development, content creation, social media marketing, email marketing, and analytics. He has been instrumental in various online product launches and expansions into international markets. Kevin holds a BA in Audio Engineering from California State University, Dominguez Hills.
Kevin and his marketing team will work to continue to build the Aeronet brand and position it as the industry leader it has been for over 30 years.
Aeronet's Chairman and CEO, Anthony N. Pereira, says of Kevin, "We are very happy to have Kevin Mautino join Aeronet Worldwide as our new Director of Marketing. He brings with him the exact type of knowledge and experience needed to help us achieve our goals, in terms of growth and profit. His new ideas, plans and programs will enhance our capabilities and offer our clients, vendors and associates a vision of the future that will stimulate us all!"
Connect with Kevin on LinkedIn and Twitter


text:
Hearing Aid Cost
Many people with hearing loss believe that hearing aids are far too expensive, and that audiologists and dealers get a huge markup on them. One potential salvation is the growing trend for health insurance to cover hearing aids.
Another idea with growing support is that of a tax credit for hearing aid purchases.
May 2013 – Ohio Bill Would Restrict Alternative Hearing Aid Sales Methods
February 2013 – General Hearing Instruments Offers Hearing Aids Online
February 2013 – The Case for Unbundling Hearing Aid Prices
February 2013 – Hearing Aid Prices Much Higher Than Their Actual Cost
February 2013 – Inexpensive Hearing Aid Available Online
January 2013 – hi HealthInnovations Extends Hearing Aid Marketing Push to Veterans
November 2012 – Affordable Hearing Aids Now Available to U.S. Veterans
October 2012 – Why Medicare Should Pay For Hearing Aids
October 2012 – The Hunt for an Affordable Hearing Aid
September 2012 – Can a Low-Cost Hearing Aid be Effective?
September 2012 – Hearing Aid Dispensers Try to Block Sale of Hearing Aids as Personal Sound Amplification Products (PSAPs)
September 2012 – Smaller, Hipper, Less Expensive Alternatives to Traditional Hearing Aids
June 2012 – Americans Are Paying Too Much for Hearing Aids
April 2012 – Can Two Young Entrepreneurs Solve The High Cost Of Hearing?
April 2012 – United Health/hi HealthInnovations Pulls Online Test
April 2012 – FDA Halts hi HealthInnovations' Online Hearing Test
April 2012 – HearPO Extends Hearing Healthcare Benefits to Millions of Americans
March 2012 – UK's National Health Care Includes Siemens IMPACT Hearing Aides
February 2012 – HLAA Favors More and Less Expensive Hearing Aid Access
January 2012 – TruHearing to Provide Discount Hearing Services to 56 Million VSP Vision Care Members
October 2011 – Health Insurer to Provide Reduced Cost Hearing Aids
September 2011 – UW-Madison program provides reconditioned hearing aids
August 2011 – Encouraging Transparency in Hearing Aid Pricing
May 2011 – HLAA Tries To Make Hearing Aids More Affordable
May 2011 – Survey Highlights Gaps In Consumer Knowledge of Hearing Loss
April 2011 – NIDCD Works to Make Hearing Health Care More Affordable and Accessible
February 2011 – Hearing Healthcare Reform: Making Hearing Aids Affordable
September 2010 – VA Contract for Hearing Aids – Minutes from VA Meeting in Washington, DC
July 2010 – HLAA Convention: How to Pay for Hearing Aids
March 2010 – Doctor creates affordable hearing aids costing less than $200
January 2010 – Need help paying for that hearing aid?
July 2008 – $200 hunter aid better than $1500 hearing aid
January 2008 – Lions Clubs International Foundation/Rexton Program for Low-Cost Digital Hearing Aids
February 2006 – Think hearing aids cost too much? Think they should be covered by insurance? How about tax credits? Then you should read Charlea Baker's article on this important topic.
October 2005 – Here's an article on an organization that provides reduced-cost hearing aids to people with modest means.
June 2005 – And here's what some of our readers thought about Dr. Ross' article on OTC hearing aids.
May 2005 – Here's Dr. Mark Ross' objective and dispassionate look at the hot issue of over-the-counter hearing aids.
May 2004 – Here's an excellent article on hearing aid costs by Cheryl Heppner of NVRC.
February 2004 – The Lions Clubs have long served people with hearing loss by providing financial assistance to who can't afford hearing aids. Now they're taking that concept one step farther by developing their own low-cost hearing aid.
October 2001 – There has been a flurry of activity recently regarding requiring health insurance companies to cover hearing aids. Talk about an idea whose time has come! Here's an article on a bill in the U.S. House to require Medicare to cover hearing aids.
Not everyone is in agreement with that opinion, of course. Here's an audiologist with the opinion that hearing aids have normal markups.
Here's an eloquent expression of the opinion that hearing aid markups are too high.
Hearing aids to be paid for by Medicaid under budget agreement
April 2006
TALLAHASSEE, Fla. – The state will pay for hearing aids for poor people under the Medicaid program with an agreement reached by legislative budget writers as lawmakers try to close out their differences on how to spend state money in the coming year. The House and Senate continued budget negotiations Monday after a week of offers and counter offers, trying to work out differences between the spending plans that each chamber has passed. The House agreed to a Senate proposal to spend about $900,000 in state money to cover hearing aids, something the Legislature cut spending for a few years ago when times were tight. Full Story
Why the high price for such a little device?
August 2006
A cellphone that can record video costs less than $200 these days. A state-of-the-art digital camera might run $500 with fancy options. So why do hearing aids generally cost at least $1,500 and often a lot more? It's one of the great frustrations for people who have hearing disabilities.Full Story
High cost of hearing
August 2006
Go to a cellphone store and you can walk out with a handheld device that's a telephone, music player, digital camera and Global Positioning System mapper, all for a couple of hundred bucks. But go to buy a hearing aid that has one job — making things louder and clearer — and you'll be set back $1,500 or more, and that's not counting the cost of the audiologist who fits it. In the age of $30 DVD players, why does a good hearing aid still cost as much as a half-decent used car? And why, to add insult to injury, will Medicare and insurance companies pay for eyeglasses, contact lenses, wheelchairs and electric scooters, but not hearing aids? Full Story
What? Hearing aids cost how much?
July 2007
The baby boom generation is finding that their parents were right: Rock 'n' roll was bad for them. . . . All of that is music to the ears of those who sell hearing aids. Sales now total about $4 billion annually, according to the Better Hearing Institute, a nonprofit educational group. Fitters are rushing to open new offices to keep up with demand. And manufacturers are scrambling to make products more appealing in style (snakeskin) and size (too small to be seen) and with better technology. But the high-style look comes with high prices. Retailers — audiologists and licensed fitters — routinely add 100 percent markups to manufacturers' prices, said Don Schum, vice president for audiology of Oticon, a Danish company that is the world's second-largest hearing aid manufacturer. Many of the devices retail for $2,000 to $3,000 each. Full Story
"Healthy Hearing" Claims Hearing Aids are a Bargain!
August 2008
Prices have gone up. Oh, you hadn't noticed? Of course you've noticed. It hurts to fill up the SUV! Grocery bills are through the roof; forget holding the line on health insurance, home cooling/heating, electricity, taxes. The average American can NOT catch a break on rising costs. Everything costs more today than it did just a few months ago. Remember when oil hit $70 a barrel? Analysts were apoplexic. Now, we may never see $70 a barrel again. But there is one bright spot in the economy, especially for people who experience hearing loss, from mild to severe. The annual Hearing Journal/AudiologyOnline survey of hearing aid dispensers, conducted in January, 2008, revealed "inflation-appropriate" increases in the price of hearing aids over the past three years. Check to see how much your heating bill has increased in three years. Yikes! Full Story
Several factors contribute to cost of hearing aids
August 2008
Q: Why are hearing aids so expensive compared to other electronic devices, which are often more sophisticated?
A: Apple recently released its new iPhone, an 8-gigabyte powerhouse of a communication tool. Retail cost: $199. If you need a good hearing aid, however, you can expect to pay between $1000 and $5,000 – each. Only about 22 percent of the more than 31-million people who suffer hearing loss are wearing hearing aids, according to the most recent MarkeTrak report, the largest national consumer survey on hearing loss in America. Of the rest, 30 percent cited their financial situation as a reason for not buying them. Experts say there are a number of reasons hearing aids are so costly. Sales volume plays into the equation. In 2007, members of Hearing Industries Association, a hearing aid manufacturer trade group, sold about 2.4-million hearing aids nationwide. Full Story
Senator calls for adding hearing aids to Medicare
October 2009
It might be too late in the game and too expensive to add to the health-care legislation that Democrats hope to pass this year. But Sen. Sherrod Brown says it's time to make hearing aids a covered benefit under the Medicare health-care program for seniors. The Ohio Democrat introduced a bill last week seeking to add hearing aids to Medicare's basic coverage. Brown's office says that 30 percent of people 65 or older and 47 percent 75 or older have a hearing impairment but must buy separate coverage or pay out of pocket for devices that cost $500 to $5,000. Medicare's bulk-buying power could hold costs to about $1,000 per device on average. Given that there would be millions of potential users of this benefit, that could add up to a hefty cost for taxpayers. Full Story
Health Care Plan Includes Hearing Care for Minors
November 2009
AG Bell is reporting that the Senate Finance Committee recently released an accompanying report to its version of health care insurance reform legislation, America's Healthy Future Act of 2009 (S 1796), defining habilitative and hearing services, equipment, and supplies for children under the age of 21 as components of an essential benefit package that must be provided by insurance companies under health care insurance reform. Full Story
NIDCD Working Group on Accessible and Affordable Hearing Health Care for Adults with Mild to Moderate Hearing Loss
November 2009
The National Institute on Deafness and Other Communication Disorders/National Institutes of Health (NIDCD/NIH) sponsored a working group on Accessible and Affordable Hearing Health Care for Adults with Mild to Moderate Hearing Loss on August 25-27, 2009. The working group was held in Bethesda, Maryland. The purpose of the working group was to develop a research agenda to increase accessibility and affordability of hearing health care for adults with mild to moderate hearing loss, including accessible and low cost hearing aids. Full Story
Does Hearing Aid Cost Influence Buying Decision?
May 2011
It is not unreasonable to assume that cost may be a prohibitive factor in accessing care; financial reasons are cited as a definite factor in non-adoption of hearing aids for 46% of the hearing loss population.2However, the extent that cost contributes to non-adoption of hearing aids is unclear. In the same survey, 79% and 62% of those sampled reported "hearing loss" and "need," respectively, as definite reasons for non-adoption of hearing aids. Furthermore, MarkeTrak surveys suggest that those from the most affluent households are least likely to obtain hearing aid amplification. Clearly, cost is not the only factor involved in hearing aid acquisition. Full Story
Factors Influencing Individuals' Decisions to Access Hearing Care Services
May 2011
Why do people who fail a hearing screening at a health fair or open house choose not to go on for a comprehensive hearing assessment when one is clearly recommended? Similarly, why do people who fail a comprehensive hearing assessment choose not to follow recommendations for improving their ability to hear? Here are some answers. Full Story
HLAA Encourages Transparency of Hearing Aid Pricing
July 2011
HLAA's "Campaign to Make Hearing Aids Affordable" is an attempt to find ways to encourage and make it possible for more people to get treatment for their hearing loss and do it much earlier. These days there is no reason to put up with not hearing well. There are more and better options-both in technology and services-than ever. However, while 95 percent of people with hearing loss could successfully be treated with hearing aids, only 22 percent currently use them according to MarkeTrak report. And, 68 percent of people with hearing loss cite financial constraints as a core reason they do not use hearing aids. This campaign has several components because HLAA believes there is no "one way" to get more people to seek treatment for their hearing loss. Full Story
Cost-effective Pricing for Hearing Aids and Related Audiological Services
November 2011
Hearing aid pricing has long been a subject of discussion in audiological literature and among hearing aid users. While hearing aid pricing has never been rated as the primary impediment to obtaining appropriate hearing aids, it has repeatedly been noted as an important factor. Thus, marketing plans should address hearing aid pricing in order to have face validity. This article examines marketing models that offer hearing aids at around $800 or less. All of these plans assume that the nationally established customary fees for diagnostic testing, hearing aid performance validation, and aural rehabilitation will be, in part, foregone by the provider. Full Story
Hearing Loss Association of America Speaks Out on the Latest UnitedHealthcareR Initiative
November 2011
But let's take a step back and ask ourselves if this traditional approach is reaching most people who could benefit from hearing aids? We all know the answer is no. With 75 percent of people who could benefit from hearing aids not taking steps to treat their hearing loss we are failing a large percentage of people who could improve their quality of life, remain independent into old age and stay on the job without retiring early. The hi HealthInnovations approach is new and untried. A lot hinges on the accuracy of the test they plan to use to triage the best candidates for open-fit amplification, how easily people adjust to using the devices and whether or not first-time users can be successful hearing aid users without face-to-face care. Is it going to work? Only time will tell. But let's give it a chance and not sabotage it from the outset so that consumers can be the ultimate judges. Full Story
Ohio Bill Would Restrict Alternative Hearing Aid Sales Methods
May 2013
After gaining a wealth of support from industry officials, a bill looking to specify individuals who are permitted to recommend and fit hearing aids was revised last week. House Bill 109, sponsored by Rep. Rex Damschroder, R-Fremont, initially sought to prohibit a hearing aid dealer, fitter, physician or audiologist from selling or distributing a hearing aid to a consumer through the mail without a prior in-person evaluation. The revised measure would widen the provisions to include business entities and require sellers to have proof of a prior in-person evaluation by one of the specified health professionals. The adjusted bill also no longer includes a proposed ban on Internet/mail-based sales or distribution and specifies that HB 109 would not apply to hearing devices used only while hunting or shooting. In keeping with its original aim, the bill would permit hearing aid dealers, fitters, physicians and audiologists to recommend and fit hearing aids. While the substitute bill has yet to be vetted, the bill's original intent to curb online hearing aid sales had proved popular with industry leaders such as Gregg Thornton. Thornton, the executive director of the Ohio Board of Speech-Language Pathology and Audiology, said the board has been involved with this issue since May 2010. Full Story
The Case for Unbundling Hearing Aid Prices
February 2013
First, let me just say that-the last time I looked-the practice of bundling prices for hearing care services and products is not on the list of mortal sins. I know a ton of dispensing professionals-probably some of the best in the nation-who do not unbundle their prices. And I understand that there really are a few good reasons (besides the old answer "because that's how I've always done it") why most professionals prefer to keep their prices bundled. However, as our market continues to change and new threats to the conventional distribution system emerge, I think it's in every hearing care professional's best interest to unbundle their product and service pricing. In this issue of HRP, long-time contributor Amyn Amlani, PhD, gives us perhaps the most persuasive reason yet: increased perceived value. With unbundled pricing, this study shows that there is a transparency that the experienced consumer perceives. For the inexperienced consumer, unbundling provides an enhanced sense that, in Dr Amlani's words, "minimizes the value that a hearing aid is a high-risk, low-reward investment." Full Story
Hearing Aid Prices Much Higher Than Their Actual Cost
February 2013
Even though consumers can pay thousands dollars for a single hearing aid, a CBC News investigation has found that the actual cost of making a hearing aid averages around $150. That figure comes from the operator of Audicus Inc., an online company that distributes hearing aids direct from the manufacturer at a reduced cost to customers around the world. Audicus president Patrick Freuler says he has broken out the cost of a typical hearing aid, based on his own research with manufacturers. "The typical cost to produce a hearing aid [is] anywhere between $50 to up to $200," Freuler said in an interview from his office in New York. He said the price depends on how many features are within the hearing aid, whether or not it hasBluetooth capability, or multiple channels and microphones. "It can go all the way down to the tens of dollars. But if you want to take an average cost, it is $150," said Freuler. Prices of hearing aids at Audicus.com range from about $400 to $600. Full Story
hi HealthInnovations Extends Hearing Aid Marketing Push to Veterans
January 2013
Fresh on the heels of an order from the Food and Drug Administration to remove a hearing test from its website last spring, hi HealthInnovations is pushing further into the hearing aid market with a new discount program for military veterans and their spouses. The company, an affiliate of insurance behemoth UnitedHealth Group, made a controversial entry into the hearing aid market in 2011 when it offered direct-to-consumer hearing aids at sharply discounted prices with no out-of-pocket costs to some Medicare Advantage members. Veterans could prove an extremely lucrative market for the company. Hearing aid sales to the Department of Veterans Affairs comprised 20 percent of more than 2.1 million total units sold through September, according to the Hearing Industries Association. (HIA Statistical Reporting Program. Third Quarter 2012.) Full Story
Affordable Hearing Aids Now Available to U.S. Veterans
November 2012
hi HealthInnovations, a UnitedHealth Group (NYSE: UNH) company and Optum business, has launched a new program to make hearing aids more affordable for U.S. veterans and their spouses. The new program offers veterans and their spouses high-quality, custom-programmed digital hearing aids for as little as $649 to $849 each, depending on the model chosen. That compares to some hearing aids that retail for as much as $4,000 each. Hearing loss is a growing health concern for some veterans, in part because of their history of noise exposure experienced during their time of service. Hearing loss is the second most common health condition among veterans, affecting more than 670,000 members of the armed forces nationwide, according to The Hearing Journal. To access the discount program, veterans work with a health professional, such as an audiologist, hearing aid dispenser or primary care physician, to get their hearing tested. Full Story
Why Medicare Should Pay For Hearing Aids
October 2012
I watched as my husband climbed our hardwood steps and stopped to pick up a coin that fell from his pocket; he had heard it bounce on the floor. Earlier in the day, he had called me at work to ask if we should "do something" about the black crows that have nested in our front yard tree. "They make a racket," he told me. Last night at dinner, we were able to have our first conversation in five years that didn't require shouting to be heard and later, as we watched "Parenthood" in bed, the TV volume was comfortable for both of us. Yes, my husband just got hearing aids — one in each ear. They sit diminuatively and hidden behind each ear, truly invisible to the eye. How something so small can function so large is a wonderment. They set us back $4,000, which means we will be making budget sacrifices to pay for them. And here's the real rub: Medicare won't pay a dime for them. My husband is 77 and one of the 38 million Americans who needs help hearing. There is a strong relationship between aging and hearing loss: 18 percent of American adults 45- to 64-years-old, 30 percent of adults 65- to 74-years-old, and 47 percent of adults 75-years-old or older have a hearing loss problem, reports the National Institute on Deafness and Other Communication Disorders. Full Story
The Hunt for an Affordable Hearing Aid
October 2012
The crackling noises coming from my left ear weren't a good sign. Last year, when my decade-old analog hearing aid started making popping sounds, I knew I had to replace it. But because hearing aids are so costly and generally aren't covered by insurance, I had put it off. I soon learned that in the last 10 years, purchasing a hearing aid had become even more difficult and confusing than buying a new car – and almost as expensive. The first salesman I visited, in Los Angeles, looked at the hairline fracture on my wax-encrusted aid. He warned me that it could shatter in my ear and advised me to get a new one on the spot. Alarmed, I visited Hearx, the national chain where I had bought my previous aids. There, a fastidious young man spread out a brochure for my preferred brand, Siemens, and showed me three models. The cheapest, a Siemens Motion 300, started at $1,600. The top-of-the-line model was more than $2,000 – for one ear. I gasped. Full Story
Smaller, Hipper, Less Expensive Alternatives to Traditional Hearing Aids
September 2012
To many people, hearing loss represents another step in the dreaded march to old age. In fact, only about 20% of the 36 million Americans who could benefit from a hearing aid actually use one, according to the National Institute on Deafness and Other Communication Diseases Many audio-speaker manufacturers are jumping into the hearing-aid market due to a recent FDA ruling that hearing-assist devices could be sold over-the-counter. Melinda Beck has details on Lunch Break. Photo: Patrick Conlon/The Wall Street Journal. Now, a wave of new devices that are smaller, hipper and sold over-the-counter are trying to win over more consumers-and appeal to the growing number of younger people with hearing damage from loud music. One upcoming model is a smartphone app. Others look like MP3 players or Bluetooth headsets. Some can barely be seen at all. They're also less expensive: Traditional hearing aids can cost more than $4,000 per ear and aren't covered by Medicare or most insurers. Often likened to "reading glasses" for the ears, many of the new models come preset to boost sounds in the high frequencies that most people lose first. That lets consumers bypass audiologists, who have traditionally controlled the market by giving hearing tests and selling custom-programmed hearing aids. Technically, many of the new devices are "personal sound amplification products," or PSAPs, intended to help people with normal hearing better hear in situations like noisy restaurants and large gatherings, according to Food and Drug Administration guidelines issued in 2009. Hearing aids, by contrast, are medical devices for the hearing-impaired and subject to FDA approval, the agency says. Full Story
Americans Are Paying Too Much for Hearing Aids
June 2012
The healthcare industry is failing to address a massive, treatable epidemic. 36 million Americans suffer from hearing loss, a number that is only increasing as the population ages. Hearing loss has been linked to chronic disease, depression and even reduced earnings, and the health benefits of treatment are clear, with studies showing that hearing aids profoundly improve quality of life, and can even prevent brain atrophy. Nonetheless, the hearing care industry seems content with a status quo characterized by inflated costs and low adoption, in effect turning a deaf ear toward untreated hearing loss. America's hearing aid market is broken. Given the benefits, a consumer might reasonably expect the free market to provide a selection of affordable hearing aid options. That consumer would be sorely disappointed. Today you can walk into an Apple store and take home an iPhone for $650, but if you want to buy hearing aids you'll have to shell out around $5,000. To put this number in perspective, Apple spent about 23 times as much on research and development last year as William Demant, the manufacturer of Oticon hearing aids. Hearing aid adoption has stagnated around 25% for years and increasingly high prices have surely played a role. Full Story
United Health/hi HealthInnovations Pulls Online Test
April 2012
The online hearing test developed by hi HealthInnovations and designed to prescribe amplification for the company's hearing aids has been taken down for "enhancements", according to the company as originally reported online by the American Speech Language Hearing Association (ASHA). There is no mention about when the test will go back online, and hi HealthInnovations did not immediately respond toHR. Currently, the test is preceded by a Web page that provides instructions on how to get a hearing test that states: "Ask your physician for a hearing test. We have provided hearing test kits to many physicians, but if your physician does not have a kit, please ask them to call [phone number]." When one clicks on the "Start Hearing Test or Enter Audiogram Results", which at one time brought visitors to the "Home version"- the most controversial of the company's hearing tests-it now only allows visitors to enter values from an audiogram. Full Story
Can Two Young Entrepreneurs Solve The High Cost Of Hearing?
April 2012
You may be starting to get an understanding of why this is not a simple problem to tackle. And, really, it's just the beginning, as the Embrace Hearing co-founders tell us that there's even more friction when it comes to distribution. Audiologists (health care professionals who specialize in hearing, and the loss thereof) control the majority of sales in the U.S. market. While these specialists provide essential services, they use the sale of hearing aids to their own gain, often charging markups of three to five times – because they can. Not only that, but the clever business people they are, they bundle re-fittings and follow-up visits into the cost, generally using this as the explanation for why hearing aids cost so much. The Embrace co-founders say that the reality of the situation, however, is that only 20 percent of customers make five or more visits to audiologists in the year after being fitted for the device. For those who fall into that category, the insurance and other benefits might make sense, but for most it doesn't. Full Story
HLAA Favors More and Less Expensive Hearing Aid Access
February 2012
HLAA likewise has always encouraged consumers to work closely with a hearing health care professional they trust as the best way to become a successful hearing aid user. But let's take a step back and ask ourselves if this traditional approach is reaching most people who could benefit from hearing aids. We all know the answer is no. With 75 percent of people who could benefit from hearing aids not taking steps to treat their hearing loss, we are failing a large percentage of people who could improve their quality of life, remain independent into old age and stay on the job without retiring early. The hi HealthInnovations approach is new and untried. A lot hinges on the accuracy of the test they plan to use to triage the best candidates for open-fit amplification, how well the devices work, and whether or not first-time users can be successful hearing aid users without face-to-face care. Is it going to work? Only time will tell. But let's give it a chance and not sabotage it from the outset so that consumers can be the ultimate judges. Full Story