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By: Richard Silverman, Plans For Growth LLC
Plans For Growth is a financial consulting firm for small and medium sized businesses. We specialize in strategy development, business planning and strategy, forecasting, and investor relations.
• All the pieces for a fast growth, high profit business are in place. It now comes down to execution.
• Successful implementation will virtually assure Surge Holdings of a lock on convenience store purchasing systems for many years. The network effect will make Surge more valuable to non-system participants as usage grows. This assures further system growth and yielding continuation of the virtuous cycle.
• Financial services, especially the Surge prepaid VISA card, should be the largest profit drivers in the near term. The Surge pre-paid VISA can virtually replace a bank account for people without access to bank services.
This article presents this analyst's estimates for the near-term outlook for Surge Holdings (OTC QB:SURG). If the story works out as planned, Surge Holdings will transform from a $15 million per year business to one approaching an annual sales rate of $700 million per year in just 36 months, give or take a few months.
Bright outlook notwithstanding, it is unreasonable to assume that the anticipated growth will be easy, uneventful, and without problems. Surge management has built companies before, though never to this size. They are an experienced group. One can feel comfortable that they have the talent and the experience to solve most problems. But investors should not expect a nice steady upward sloping revenue and profit curve as the company on-boards tens of thousands of convenience stores. If the company is fortunate, it will solve problems in weeks and for hundreds of thousands of dollars. When one is dealing with nearly 40,000 stores after 24 months, even small adjustments can run in the millions of dollars.
Plans For Growth believes that Surge Holdings warrants investor consideration. This is a company that can dominate an industry's purchasing mechanism and translate that dominance into profits. Unless the underlying story changes, use any problem times to accumulate. If it takes 48 months to achieve what might have been accomplished in 36, it is still a great story.
The Strategy
Surge Holdings is a convenience store supplier employing a strategy used with great success by companies including Sysco and Amazon. Brilliant in its simplicity, it is a strategy that time has shown to be highly effective. Dominate a client's purchasing mechanism and offer a wide range of products. The strategy is one of depth (market penetration and ingrained customer buying behavior) and breadth (utility through product variety). Surge, Amazon, and Sysco all employ this subscription business model. Depth reflects elements of customer acquisition and lifetime value while breadth provides for increased average order value. When executed well, the combination yields a successful venture.
In the case of Amazon, its Prime service dominates purchasing behavior. For non-Prime members, Amazon still dominates purchasing decisions via a huge presence on every major search engine. Many consumers, even those who do not have Prime, search Amazon first because they know Amazon probably offers whatever they seek at a competitive price. The decision to shop Amazon first is a measure of depth. The massive number of products they offer is breadth.
Hundreds of thousands of Sysco buyers know that almost anything they need is available through the company. Sysco offers one stop shopping and delivery. There is no need to spend time searching alternatives. Sysco is the biggest in its business. Its extensive customer base reflects depth. Sysco carries a huge number of products. They have it or they will get it for you – breadth.
SurgePays functions as the purchasing system for convenience stores. It allows a store operator to simplify purchasing through a single system. SurgePays allows a store operator to reduce the number of vendors he/she has to contact when restocking from 150 to 200 to less than half as many. As the company rolls out the SurgePays system to tens of thousands of convenience stores, it will create depth. Additional companies selling goods through the system generate breadth. The combination leads to dominance in the way convenience stores buy and sell products and services.
The current line-up of Surge Holdings products and services includes three key items:
• SurgePays
• Surge Pre-Paid VISA Card
• Cell Phone Services
All three products target convenience stores and the lower income people they serve. A convenience store working with Surge can transform from a local seller of Lottery tickets and snack foods, to a neighborhood financial services center for the unbanked who sells Lottery tickets, snack foods, phones, and much more.
The Pastime/AATAC Agreement – A Giant Step in Depth
In mid-November 2018, Plans For Growth presented a report on Surge Holdings entitled 'Surge Holdings: Poised for Massive Revenue Growth'. The report identified the Surge Holdings business model. Much of the company's near-term future hinged on a Memorandum of Understanding (MOU) with Pastime Foods for access to their network of convenience stores. Surge Holdings closed the deal on the last day of February 2019.
AATAC, Pastime Foods' distribution partner, was the signatory on the agreement. AATAC is a national organization comprised of small or regional buying groups and other trade organizations. The organization services approximately 80,000 of the nearly 155,000 convenience stores in the USA, including Puerto Rico. AATAC services the convenience stores of many well-known gas station chains including BP, Chevron, and Gulf. AATAC also services Circle K stores.
Under the terms of the agreement, AATAC will introduce SurgePays to 40,000 of the network's 80,000 stores. The initial 40,000 store group has a contractual obligation to AATAC to utilize AATAC vendors, including system providers. This obligation should result in 90+% acceptance of the SurgePays system within the first 40,000 store cohort.
AATAC's representatives will assist with the sale and servicing of the SurgePays system. The company will offer SurgePays to convenience stores on a SaaS basis. SurgePays is a blockchain based system used to control multiple aspects of running a convenience store. The system serves as the purchasing and store management control for a wide variety of AATAC affiliated vendors and Surge Holdings products and services.
SurgePays Functionality
SurgePays offers a convenience store operator two major features. The system serves as an ordering platform for restocking store merchandise. Participating suppliers will be able to take electronic orders directly from the SurgePays platform. A SurgePays app allows a store manager to order products via a cell phone or tablet while reviewing inventory on the shelves. By simplifying and computerizing the process, stores and distributors can expect more frequent orders, economies of scale in delivery, and more secure accounting and collections. Sales reps can make less frequent visits to stores allowing distributors to reduce their expenses.
A recently announced agreement with UPS will allow the SurgePays system to generate UPS shipping labels and pick and pack instructions directly from the SurgePays system. This capability will simplify fulfillment for many smaller vendors currently using brokers or manually input orders.
The SurgePays platform should provide Surge a modest percentage of all convenience store items ordered through the system. We estimate the initial payable rate to be 2% based on information provided by other authors on the same subject. The list of initial participating companies includes Pastime Foods and other AATAC member suppliers. Over time, Surge will source other companies and products to supply these stores through the platform. These companies will pay more than the 2% fee. Surge Holdings has announced multiple deals with companies looking to enter the convenience store marketplace through SurgePays. Expectations call for many more companies to participate in future quarters with fees on some products ranging as high as 10+%.
SurgePays also consolidates and simplifies the wide range of financial services that convenience stores offer. A sizeable portion of the population do not have access to bank accounts. Local convenience stores and check cashing stores have become de facto 'banks' for millions of people lacking credit and bank access. The SurgePays platform allows convenience store operators to offer near-bank products to this population.
SurgePays permits a convenience store operator to offer the following services:
• Collect cell phone payments.
• Collect utility bill payments
• Purchase or restock a pre-paid 'credit' card
• Pay property tax bills
• Transfer money to a third party
• Money orders
Surge Holdings is the primary beneficiary of this system feature as the company offers financial services products that target those without bank access.
Surge Pre-Paid VISA Card
Surge Holdings offers a pre-paid VISA card that serves as an e-wallet. Convenience store customers lacking checking accounts can deposit their paychecks directly on their Surge VISA card. The card allows card holders access to their money via any ATM. An accompanying app allows a card holder to check the card balance and transactions much as one would access a checking account.
A SurgePays VISA card holder can deposit money on the card at any convenience store with a SurgePays system. The app also supports deposits via a cell phone picture of a check. Any participating convenience store will exchange money on the VISA card for a money order. Surge Holdings also offers the money order. Of course, it functions as any other VISA card to purchase goods and services.
Cell Phones
In 1985, the US Government signed into law a program that provided lifeline communications to lower income people. The program began as a land line program, later evolving into a cell phone program. Administered by the Universal Service Administration Corporation (USAC), the program taxed phone users to pay for the program. As the program transitioned to cell phones, Congress added broadband services to voice services. Lifeline phones offer limited minutes and data capabilities.
The FCC has announced that the voice portion of the lifeline program will be ending. As of December 2021, the voice program will be fully defunded, leaving millions of lower income people to find other alternatives. The program starts defunding in 2019 with full phase out by December 2021.
Surge Holdings, through its founding firms, has a history in the lifeline phone market. The most recent quarterly report identifies an account receivable due from USAC as proof of this product line. Surge Holdings sees the phase out of lifelines as an opportunity to capture market share in the low-income cell phone market. The company offers three plans to attract this market. To enhance program adoption, it works with the customer's GSM phone or customers can purchase an inexpensive phone supplied by Surge to convenience stores for resale.
Signing up customers is a matter of installing a SIM card. To sell the company's cell phone, a store must have the SurgePays system to complete the sign-up process. The store also requires a supply Surge Wireless SIM cards. All SurgePays new installs require an initial purchase of a package of 6 phones and 10 SIM cards as a starter set. The set sells for roughly $440. Individual phones and SIM cards are available for restocking through the SurgePays system. Each 10,000 new SurgePays convenience stores represents approx. $4.4 million in stocking order phones and SIM card revenues, before restocking.
The phone included with the package is the Surge Volt 5XL Android Smartphone. It retails for roughly $79. The phone offers a 5" LCD screen, 8GB capacity, and 4LTE capability. Alternatively, most unlocked GSM phones will function with the Surge phone network. The SIM card to activate the system, whether used with a Volt 5XL or privately obtained phone, is free to consumers.
Surge offers three nationwide plans, including a free, advertiser supported plan. The free phone plan is the closest to the lifeline program. Those enrolled in this plan will receive advertisements through Moolah, an advertiser based phone payment reduction program (https://www.otcmarkets.com/stock/SURG/news/Surge-and-Moolah-Mobile-Partner-To-Launch-First-Free-Wireless-Service-For-Low-Income-Communities?id=222848). For a monthly price of $0/month (that is, free), a phone user can receive unlimited text, 10 hours of talk, and 1 GB of data. Not only is this a very attractive deal, unlike other 'free' competitor programs, the SurgePays Wireless program is truly free. There is no credit check, no contract, no credit card necessary to obtain a phone and no activation charge.
The two other SurgePays Wireless programs are as follows:
– Unlimited Text
– 20 Hours of Talk
– 2 GB of Data
– Unlimited Text
– Unlimited Talk
– Unlimited Data
Surge Holdings sees the three plans as having wide appeal, with the free service as best in class. While free to the consumer, the Moolah program pays SurgePays Wireless $10/phone/month. Surge Holdings anticipates a gross profit of $3.50 to $4.00/phone/month after paying for network fees, convenience store revenue sharing, and other costs. Surge Holdings anticipates that most of its customers will gravitate to the free phone with a sizeable percent upgrading to the $10/month alternative over time for greater service flexibility. The $35/month service will likely attract a less sizeable clientele given its target market.
Going Forward
Surge Holdings has all the necessary ingredients to become a huge fish in the convenience store pond. While not the largest marketplace in the USA, there are 155,000 convenience stores. The AATAC agreement offers a major entrée into the convenience store marketplace. Surge Holdings has long been involved in selling products, including cell phone services, through convenience stores. The current combination of the SurgePays system and AATAC's industry arrangements takes Surge to an entirely higher level.
The near-term challenge for Surge is one of execution. It needs to install, train, and support the SurgePays system in the roughly 40,000 stores. The company must execute the integration of the SurgePays VISA card, its Wireless offerings, and its product ordering capability. The company needs to show the initial round of users that the system works, competent store support, and that dealing with Surge means greater profitability.
Surge Holdings believes it can install nearly 40,000 systems in the 9 months between April and December 2019. Plans For Growth believes this is optimistic. We believe it will take twice as long to complete the 40,000 installations. As the company moves forward, we see this time period from Q3/2019 to Q4/2020 as Phase 1 – the AATAC agreement fulfillment. We also question whether Surge Holdings can develop complete system usage from its participating convenience stores without periodic visits to each convenience store. Our expectation that Surge will require more labor. Our forecasted increase in Sales, General, and Administrative (SG&A) costs reflects this expectation.
Phase 2 involves SurgePays installations beyond the 40,000 AATAC locations and a broadening of the products and vendors offered through the system. Assuming a successful Phase 1, Surge Holdings will have the data and testimonials to promote the system with store owners, consumers, and vendors. Each group stands to benefit from using Surge products and services. The success of Phase 1 activities will play a major role in how Phase 2 fares, especially in its early years.
Some aspects of Phase 2 will likely start before Phase 1 completes. Specifically, the cost savings for convenience store vendors can be sufficiently significant as to make direct restocking through the system an industry standard. Even before the company completes its initial 'depth' effort (Phase 1), it will expand the roster of vendors working through the system. As the number of vendors increases, so does the monthly spend put through the system.
Modeling 2019 and 2020
The true test of understanding a business is building a forecast model. Models work on the basis of assumptions. So, Step 1 is to lay out the assumptions. Some may be accurate. Many will be wrong and require adjustment. Predictive models can take years to fine tune. Our goal is to offer a quarterly update and adjust the model as the company announces new developments. Let's see how close we come to the company results.
Model Comments
1) The timing of the adoption of the 40,000 AATAC convenience stores sets the stage for the adoption rate of phones, VISA cards, and other services. Surge Holdings anticipates completing the 40,000 stores (or as many as eventually sign up) in 9 calendar months. This model assumes 18 calendar months.
2) The SurgePays system become profitable on a stand-alone basis when many convenience store suppliers sign up to allow purchasing through the SurgePays system. Some smaller vendors will pay more than the larger vendors on a percentage basis. Even if SurgePays is never profitable, which is not our expectation, it enables the company to sell everything else. It is strategically vital even if never profitable on a stand-alone basis.
3) For the next several years, the prepaid VISA cards should become the single most revenue generating and profitable product the company sells. The unknown is how effective the company will be in promoting the card at participating stores. There is no credit involved. Surge is not a bank meaning it can establish its own hold periods on checks. If customers adopt and use the cards as anticipated, they will become a major source of revenues and profits.
4) The phones are an excellent source of revenues but less so profits when compared to financial services. As phones require inventory, maintenance, and customer service, the overhead to offer phones requires scale to yield above average margins.
5) The existing line of lifelines phones will phase out, especially in 2020 and 2021 as consumers need to pay more each year out of pocket.
6) The model assumptions are based on public company information, Industry research, articles written by others on the same subject, and the author's general knowledge of business. If history is a guide, every one will likely prove wrong. But such is the nature of forecasts. The author and Plans For Growth will update model assumptions as new information becomes available. Future Surge Holdings updates will identify the revised assumptions.
The following page identifies the income statement as projected in early June 2019, prior to the completion of the 2nd Quarter 2019. We will review the model as financial statements and press releases become available and as specific product data becomes available.
The information presented is sourced from public company information, industry research, articles written by others on the same subject, and the
author's general knowledge of business.


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Upcoming Opportunities to Hear Me Speak
RESCHEDULED TO NOVEMBER> From Strawberries to Salvation: How Markets Cultivate Community (when it really matters): (8:45 — 10:45 am CST) together with Southern Food and Beverage Museum founder Liz Williams, in the Hilton Garden Inn New Orleans, French Quarter/CBD
24 March 2020 <> 74th Annual National Association of Produce Market Managers Conference, New Orleans, LA, USA
Recent Engagements
9 February 2020 <> World Urban Forum 10, Abu Dhabi, UAE> Launching the Market Cities Network: (2:00 — 4:00 pm GST) in Room 4 of the Abu Dhabi Exhibition Center - ADNEC, Khaleej Al Arabi Street, Abu Dhabi. This Networking Event is hosted by the HealthBridge Foundation of Canada, Project for Public Spaces, and Slow Food International. We will explore a model that is emerging from Hanoi to London, Barcelona to Kampala. Municipal government, market leaders and NGOs are finding new ways to utilize the ancient mechanism of public markets as strategic pressure points to preserve food cultures, traditions and economies. Read co-presenter Stephen Davies's good synopsis of the concept here. Visit the Market Cities landing page here.
22 October 2019 <> Japan Society Public Forum, New York City> Embrace Rural, Why it Matters: (6:30 - 8:30pm) From Nebraska to Niigata, rural communities are being neglected out of existence. Rural life is giving way to the muscular expansion of the megacity. And yet, those of us who inhabit places like New York and Tokyo are dependent on rural areas for the energy we consume and the food we eat, and crave a little green corner of the planet to breathe clean air and enjoy the natural environment. Are we dismissing rural communities at our peril? With more than 50 years of experience between them, two key leaders in rural reinvention, Tsuyoshi Sekihara, founder, Kamiechigo Yamazato Fan Club in Joetsu, Niigata and Janet Topolsky, Executive Director, Community Strategies Group, Aspen Institute in Washington, DC, share their experience and insights. They are joined by Richard McCarthy, Slow Food International, and the evening's moderator, New Food Economy editor, Kate Cox. Co-organized by the New Food Economy, School of Design Strategies, Parsons School of Design; Slow Food New York City; and the Japan Society Innovators Network. Tickets $10/$8 members, followed by a reception. Watch the full program here.
7-9 October 2019 <> National Direct Agricultural Marketing Summit, Donald E. Stephens Convention Center in Rosemont, IL
> Navigating Disaster: How local food system agility revives and comforts community and the economy after natural disasters (Exact Time & Date TBD) The Summit provides a unique networking opportunity for direct agricultural market practitioners to form new partnerships and learn new business strategies that can improve the performance of their farms and businesses. I am delighted to reconnect with longtime collaborator, Darlene Wolnik, for this session. With cascading natural disasters increasingly the norm, it is imperative to learn from local food system intermediaries that have responded swiftly and creatively to restart commerce amidst chaos. Tents, umbrellas, the introduction of Disaster SNAP all contribute to restoring a sense of normalcy and agency among communities afflicted by trauma. Learn from civil society, governmental and for-profit collaboratives to deputize leaders in marginal communities of producers and consumers, deliver mental health help, and restore economic activity far ahead of the brick and mortar economy. Examples include: Louisiana, Mississippi, New York, and Japan. Ticketed event.
20 July 2019 <> Slow Food Nations, Denver, CO> The Delicious Revolution: (2:00 - 3:30pm) Join fourth generation farmer, Ben Burkett; Berkeley's Counterculture Cook, Alice Waters; Kitchen Sister Davia Nelson, and me to explore the intersection of guerrilla gardens, school-supported agriculture, seasonal cooking and the power of sharing food — and how these create social and environmental change. Slow Food Summits offer the opportunity to explore Where Tradition Meets Innovation. The summit begins with a one-hour talk followed by a 30-minute social gathering over small bites and/or beverages related to the conversation. Ticketed event: $50
> A Meatless Monday Meet Up: (12:30 - 1:30pm) Learn of new ways to promote Ark of Taste grains and vegetables, traditional foods and the adventure of eating that makes meat reduction a joy. Join the international Slow Food community of Meatless Monday Ambassadors by joining peers, sharing ideas via the Meatless Monday Global platform — from Charleston to Chengdu, from Denver to Dar es Salaam. We're ready for you with tools to change the menu in your workplace, restaurant, school or home. Here's your chance to convert simple changes in behavior into systemic change that positively impacts biodiversity, climate, animal welfare and human health. Free and open to the public
6 June 2019 <> 10th International Public Market Conference: London, UK> From Disaster to Dessert: Using Public Markets to Restore Normalcy and Social Cohesion after Disaster (drawing on experiences in post-Hurricane Katrina New Orleans, the BP oil spill, and the Tohuku earthquake and tsunami in Japan. Ticketed event
1 April 2019 <> Raising Meat: College Station, TX
> The New Food Economy and Karen Karp and Associates facilitated an important one-day conversation about what it means to produce and eat meat in America today. Ticketed event
30 November - 2 December 2018 <> Improvisation: New Orleans' Gift to the Modern World: New Orleans, LA
> You can view my conversation with Alice Waters, Davia Nelson and Ben Burkett in the Culinary Kick-Off; and my role in The Dark Side of Improv: Politics with Matt Weurker, Gwen Tompkins, and Rob Walker (via these video recordings). Ticketed event
29 October 2018 <> Public Forum: Tokyo, Japan
> Challenges in Regional Revitalization Insights from American and Japanese Rural Innovators at The Sacred Heart Global Plaza and organized by the Japan Society Innovators Network and the NPO Center of Japan. Free and open to the public
25 October 2018 <> Public Forum: When Local Wisdom Goes Global
> Faculty, staff and partners of the Social Cooperation Promotion Mechanism, Institute for International Relations, Faculty of Letters, Faculty of Collaborative Regional Innovation at Ehime University joined with visiting rural innovators from the United States to share best practices. Organized by the Japan Society Innovators Network and the NPO Center of Japan with Ehime University. Free and open to the public

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July 15 2014
It was an ominous day that turned into a glorious one for the crew on board the NEYA III, a Platform Supply Vessel owned and operated by Slok Nigeria Limited. The Neya III crew delved into dangerous waters to save the lives of the lucky 10 crew members aboard the fuel tanker, MT SANTA MONICA, which caught fire in Nigerian territorial waters on July 12, 2014. According to the captain of the Slok vessel, an Officer Of the Watch on duty aboard the NEYA III, received a distress call on the VHF radio and immediately the raised the alarm to commence search and rescue operations. The tanker was quickly located and carefully approached as the fire fighting system on board the Neya III was activated to put off the fire on the burning tanker. The Neya III crew went further to rescue their fellow sailor men from the deep waters of the Atlantic Ocean as the latter panicked and jumped off the burning ship. The Managing Director of Slok Shipping, Engineer Firas Abboud, who confirmed the incident, said: "This is not the first time we offer rescue services and will not be the last as that is the norm for any vessel complying with IMO regulations and this is what we are trained for. "That is why we equip our vessels with the latest Life Saving Appliances and man them with competent and highly experienced Nigerian hands in order to meet industry standards and class/statutory regulations. "I am happy we were able to save lives. "This is a major boost for local content development and an attestation to the resilience and professionalism of our guys. "I salute our courageous team, who were fearless in putting off the fire that gutted the ship. "They were also privileged to get the chance to rescue the full crew on board MT SANTA MONICA." Abboud said this was a demonstration of the Slok Group's corporate commitment to excellence in service delivery by Nigerians for Nigeria.
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By André Eriksson 30.10.2016
Sometimes the greatest ideas are a twist on an existing one. Aenigma Os on Wii U does at first feel like a typical tile-matching title, until it is realised that there can be up to two spaces between them. How much does this change the formula of this popular type of puzzle game?
Some genres have some very common elements in them found in several games, often for good reasons. The tile-matching formula is one of these. It is simple, fun and addictive. One problem, though, is that it is a really simple genre that offers very little to think about after a while. This is something Aenigna Os wants to change!
Many games in this genre have their specific twists. Some allow unlimited movement, others have a lot of power-ups to keep in mind, but Aenigma Os removes a lot of these elements and is fully focused around finding lines of three or more symbols to match up. However, there can also be one or two spaces between them. This gameplay choice means that there becomes great focus in how to remove some of the lines, and it creates the possibility of extremely long lines, as they do not automatically disappear once made.
How this can affect the choices of the player is very different depending on the various modes found within. The most common and basic one is the "High" mode in which the goal is to score as high as possible within the time limit. In here, it is highly rewarded to create full lines, instead of multiple small lines or lines with holes in them. This mode puts heavy emphasis on planning the moves ahead by quite a bit, which creates some highly entertaining brain training. The other modes follow suit, with the most remarkable one being the puzzle mode in which the player has to remove all symbols in a set number of moves by utilising the game's very weird rules and take on the genre. This is very fun and can sometimes be pretty challenging, while still maintaining the core of the game: to plan ahead.
This aspect makes Aenigma Os a really strong puzzle title. The main thing it suffers from, however, is that, besides some new rules, it feels extremely similar to many other games in the modern puzzle genre, especially smartphone titles. The gameplay is not home console friendly, and while the Wii U has its own touchscreen, this is truly a title that is best played on the go rather than in long sessions, which is usually the case when played at home from the couch.
Aenigma Os stands out as a really clever take on the modern puzzle genre. It offers great brain training and entertaining game modes that really change how players have to plan their moves. The biggest problems are that it is very similar to many other games and that it is on a home console. While the gameplay is enjoyable, it is one of those games that is best enjoyed in short bursts of between five to twenty minutes while traveling or waiting for something, and that isn't very home console friendly at all.
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Jet fighters have important role in military aviation. Military aviation is no doubt the foremost strategic weapon these days, each in terms of combat effectiveness and of crucial technologies enforced. In trendy warfare, air dominance is a must from day one, in order that air-to-surface and air-to-sea operations are often conducted safely and with efficiency. And fighting jets continually play a significant role in air dominance. With the advancement in technology several countries modernized their fighting jet to full fill the requirement of day. Here is a list of 10 incredibly advanced jet fighters; some of them are part of military aviation and other are going to be part in close to future .
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Glencore sees profits increase by 23% in first half of 2018
The Switzerland-headquartered mining firm, Glencore, has revealed its half year results, announcing its 23% increase in earnings.
The company's earning before interest, taxes, depreciation, and amortization rose to US$8.27bn in the review period from $6.74bn in 2017.
Glencore's net income hit $2.78bn in the six months ending June, a 13% rise from the previous year's $2.45bn.
The company's underlying earnings grew by 12% to $0.19 per share, compared to $0.17 last year.
Mining Investment Europe: Industry experts and investors head to Frankfurt
Evobits I.T. continues to deliver data centres for the crypto mining market
Barclays to increase dividends following second quarter results
Read the latest issue of Business Chief, Europe edition, here
"The strength of our diversified business model and commodity mix is once again demonstrated with a 13% increase in net income and a 23% increase in Adjusted EBITDA to $8.3 billion," said Ivan Glasenberg, the CEO of Glencore.
"Against a volatile but favourable trading and commodity price environment, Marketing performed towards the upper end of its guidance range with a 12% increase in Adjusted EBIT to $1.5 billion."
"While broader market conditions are likely to remain volatile, confidence in our business prospects and current share trading levels point to near-term focus on deleveraging and shareholder returns / buybacks funded through cash generation."
"We remain focused on creating value for shareholders through the disciplined allocation of long-term capital."
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Funding required: $31,300
Child development centre: NI0266 and NI0107
This initiative will help: 30 moms and their babies
Estimated completion date: June 30, 2020
The most vulnerable people in the world are babies.
Of the 5.9 million children who die around the world each year, 75 per cent die in the first year of life. Babies are at risk of death due to premature birth complications, complications during childbirth, infections, pneumonia and diarrhea.
But this is preventable. With training and support, moms in poverty can be empowered to raise healthy and happy babies.
How does Compassion help moms and babies survive?
Critical care: Your support helps secure access to pre- and postnatal care, skilled birth attendants and medical intervention when necessary.
Home-based care: Mothers are visited in their homes monthly by a Survival specialist, who offers education in prenatal care and early child-rearing as well as one-on-one biblical mentoring.
Group-based learning: At these church-based activities, moms learn skills to earn an income and gain vital knowledge including basic literacy, the importance of breastfeeding and how to prevent malnutrition and disease. These groups combat isolation through a supportive community of mothers who, together, learn about the God who loves them.
Survival in NicaraguaAverage age of first-time mothers
Your gift will provide …
Here are some of the specific activities our church partners in Nicaragua have planned:
Physical activities: We will teach moms how to engage their babies in early stimulation exercises and games to enhance their physical development. Moms and babies will receive regular medical checkups to ensure their babies are growing well and meeting important milestones and will receive early intervention when necessary.
Cognitive activities: Moms will be offered help with literacy if needed, and babies will be given age-appropriate educational toys and activities to help their minds develop. We will teach moms the importance of talking to and interacting with their babies to help with cognitive development.
Socio-emotional activities: Baby showers and birthday parties are fun events where moms and babies will be able to come together to celebrate and build friendships. This helps remind parents how valuable their children are and that life is worth celebrating. Moms will learn ways to interact with their babies with love and learn how to form healthy relationships.
Spiritual activities: During our group meetings, we will take time to study the Bible and worship God through music. Parents will be encouraged to bring their children to church, and we will offer the chance for baby dedications. Parents will be encouraged in their relationship with God through spiritual retreats. Moms will be invited to make a public declaration of their faith through baptism.
Parent and family activities: We will offer to perform weddings for couples to legalize their unions and provide more stability for their relationships and their children. We will also teach income-generating skills so moms can learn ways to provide for their families.
With your help, we can give babies born into poverty the essential care they need, help their mothers properly care for them during the critical prenatal months and first year of life, and set them on the path to a fulfilled life in Jesus Christ.


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You don't want to miss this.
Volume 4 | Fall 2017
The Miracle Laegue of CT is currently taking part in the KIND Cause Foundation campaign for September 2017. Our organization submitted a proposal to be considered for our upcoming Super Saturdays program at Chapter 126 along with a brand new program that we are developing for the Spring of 2018 that will focus on the siblings of children with special needs. The KIND Cause campaign awards $10,000 each month to the cause that gets the most votes. This is where we need your help!
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Secondly, please share our Facebook posts or emails about this campaign with everyone you know. If you belong to another group page please share it there. We need each and every vote possible if we are going to win. Last month's winner got a bit over 6,000 votes. We can certainly do that if we all work together to make it happen!
A New Collaboration
The Miracle League of CT and Chapter 126 - an Oak Hill Center have entered into a collaboration agreement that will help both organizations to create new and innovative programming that furthers their common mission to serve those with physical and/or cognitive challenges. The collaboration is a direct result from our very successful KIDS Club program that was held at Chapter 126 this past fall and winter. In the spring of 2017 the 2 organizations began talks about joining forces in some way that would allow each of the groups to maintain it's own identity. As of June 1, 2017 the collaboration agreement began. The agreement allows us to work together to create new programs, to enhance ones that we already have and to serve more people. It also allowed the Miracle League of CT to take a big step in hiring it's first full time Executive Director, Mike Michaud (Coach Mike to most of you). Mike has been serving as the Executive Director and President of the Board since the Miracle League's beginning in a volunteer capacity. The job has become so big that it now requires the full attention of anyone who might be running the organization. To avoid any conflicts of interest, Mike has stepped down as President of the Board of Directors. In June the Board elected Meg Green (Mom of Miracle League player Preston Green) to fill the spot. Mike is now working out of the offices at Chapter 126 in Bristol (instead of a desk in his family room). Read below for some of the exciting things already happening as a result of the collaboration and keep your eyes open for more. Click
to learn more about Chapter 126.
New Miracle League Field in the Works
In the late summer the East Lyme Park and Recreation Department chartered with the Miracle League national office as The Miracle League of Southeastern Connecticut. This was the first step needed in order to construct a Miracle League Field on the property of the Flanders Elementary School in town. The Miracle League of CT will help the town through the entire process and will help to raise the necessary funds for the project to become a reality. The Miracle League of Southeastern CT will work under the 501(c)3 umbrella of The Miracle League of CT and will have a seat on our statewide Board of Directors. Fundraising will kick off in November with a goal of raising $500,000 as quickly as possible. The field design by TO Design has begun. Look for more information about how you can help in the future.
iCan Bike x 3
The summer months have traditionally been a down time for us here at The Miracle League of CT, but that concept got blown out of the water this summer with two incredibly successful programs. The Miracle League of CT iCan Bike program was bigger and better than ever. We have offered the program in West Hartford in past years with great success.
As a result of a very generous grant from the Dunkin' Donuts/Baskin Robbins Joy in Childhood Foundation we were able to expand the program to new locations in East Lyme and Milford along with our West Hartford program. Because of the hundreds of volunteers and businesses that contributed housing, lunch and anything else, nearly 100 new bike riders are hitting the streets in their communities. Congratulations to all of the new riders and our sincere thanks to all who helped.
Summer of Fun
The Miracle League of CT hit the road this past summer on three fantastic field trips that were all made possible by a grant from the TD Charitable Foundation. The "Summer of Fun" began in June with a trip to Edaville USA in Carver MA. More than 80 folks joined us at the family friendly amusement park that features Thomas the Tank Land and Dino Land. In July more than 70 people faced off against a very hot day at the Beardsley Zoo in Bridgeport. A great time was had by all and we just beat the rain as we left. In August almost 120 of our friends joined us at the Mystic Aquarium on the same day as the solar eclipse. Lots of fun for all and nobody got blinded by the eclipse. A successful day indeed! We capped off the summer on the evening of September 2nd with a Miracle League Movie Night on the field to watch The Secret Life of Pets. All of these trips and the movie night were offered to our families at not cost thanks to our friends at TD Bank.
Miracle League Golf Classic / Evening of Miracles
A great time was had by all at our two fundraisers in June. The Miracle League Golf Classic was held on June 6th at Wampanoag Country Club in West Hartford. More than 100 golfers dodged raindrops all day. In spite of the lack of cooperation from Mother Nature, the attendees enjoyed some great food, drink and auction items. Just 4 days later, (we know that was crazy), The first ever Evening of Miracles Gala was held at the YG Club in Dunkin' Donuts Park in Hartford. Our friends from the Hartford Yard Goats were incredibly gracious hosts. On a beautiful early summer evening our guests enjoyed tours of the park, batting practice on the field, some fantastic food and drink and then danced the night away to the music of Latanya Farrell and bid on some great auction items.
Thanks to a great job by the event chairs, Meg Green and Rich McCarthy and our Auction Chair Mary-Lynn Michaud, the 2 events brought in
more than $80,000
for the Miracle League of CT. We thank our lead sponsors for the events -Great American Donut, a Dunkin' Donuts Franchisee and Johnny's Jog for Charity along with every other sponsor, donor, attendee and volunteer. Because of your generosity we are able to continue offer all of the programming that we do and are now able to begin working on a second Miracle League field in the state.
Miracle League Fall Ball
Miracle League of CT Fall Baseball just kicked off on Saturday September 9th. More than 50 players will be joining us on the field this year. All games are at 2 pm each week. Fall Ball is a bit different than our spring league. We play pick up games each week with one player being chosen as team captain for the week, the captain gets to choose the name for their team also. As you can imagine, this leads to some very interesting team names. We are joined each week by our friends from the University of Hartford Baseball and Softball teams who serve as our buddies in addition to our regular volunteers. Come on out and see a game before the season ends on October 21st.
Trick or Treat Miracle League Style
Our favorite event each year is Trick or Treat Miracle League Style. More than 50 local businesses, civic groups and families come together to create an accessible neighborhood on the Miracle League field in West Hartford. Something that we all enjoyed as kids and took for granted is not so easy for many children with sensory or mobility issues. Our sensory friendly and accessible atmosphere allows everyone to enjoy Halloween in a not so spooky setting. Come on out and join us on Saturday October 28th (rain date Sunday October 29th) at 2pm for lots of treats and maybe even a few tricks. The event is free and no registration is required it is open to anyone with a physical or cognitive challenge and their siblings. If you work for a business or belong to a group or even if your family would like to set up a table in the "neighborhood" please contact Mike Michaud at 860 769-7055 or by email at firstname.lastname@example.com for more info.
Registration Now Open for Super Saturdays at Chapter 126
Miracle League KIDS Club at Chapter 126 in Bristol was such a hit last year that we've decided to expand it. KIDS Club features new and fun activities each week in a gym class setting for children ages 4-11 and their "typically developing" siblings or friends who are invited to join them. This year we are offering 2 separate sessions. One in the fall that will run from November 4th - December 16th. The winter session will run from January 13th -February 17th. There will be two 60 minute classes for KIDS Club each week, one at 9:30 am and one at 11am for children ages 4-11. You can sign up for the fall session by clicking on the link below. Register now as space is limited.
What's new this year is Varsity Sports Club which is designed for children and young adults ages 12-21 who have physical or cognitive challenges. As with KIDS Club we encourage participants to invite a "typically developing" sibling or friend to join them. Each week, the fall session (Nov. 4th - Dec. 16th) will focus on one court sport for the entire 90 minute class. That will enable us to have some time for basic skills/drills and time for a game each week. In the winter session (Jan. 13th - Feb. 16th) we will choose the 2 most popular sports and will focus for 3 weeks of the session on each. Register now for the fall session, space is limited.
For more information and to register for both programs by click
Also brand new is a parent component of our Super Saturdays program called "It Takes a Village". Each week during all of the KIDS Club and Varsity Sports Club classes we will have a guest in to offer information and to foster conversation among the parents about varying topics. All of the "coffee talks" will last about 45 minutes and will run concurrently with the children's classes. Of course participation is optional for the parents and requires no registration or commitment. One thing we've learned over the years is that one of the best resources for our families is each other. By sharing experiences and advice you can help others who are navigating the world of raising a child with special needs. We hope that you will join us for a cup of coffee and some great conversation about topics that impact us all.
Friday Night Friendzy
Join us for a new teen drop in program at Chapter 126 in Bristol on the first and third Friday of each month beginning on October 6th from 7-9pm. New and different activities will be featured each week for any teenager with physical and/or cognitive challenges, "typically developing" siblings or friends are welcome too. This program will be guided by the likes of the folks attending. We will have some gym activities available, maybe some craft projects or movie nights too. Registration is not required. There is a$5 per session fee for each participant.
Sensory Friendly Events
Sensory Friendly Fun at the CT Science Center
Come on out to the CT Science Center for a Sensory Friendly Day sponsored by The Miracle League of CT. On Sunday September 24th, and Wednesday October 4th the lights and sounds at the Science Center will be adjusted to make for a more comfortable experience for those with sensory issues. So much is new at the CT Science Center including the new lobby area "Science Alley" and the brand new Butterfly Garden. A sensory friendly guide is available for download by clicking
. You may purchase your discounted advance sale tickets for just $14 each by clicking
Sensory Friendly Live Theater
Join us at Playhouse on Park in West Hartford for the live musical stage show Elephant & Piggie's "We are in a Play!" There will be two sensory friendly performances at 10 am on Friday December 15th and Sunday December 17th. The volume will be lowered and the lights turned up a bit to create a comfortable judgement free atmosphere in which to enjoy this musical based on the popular children's book series - Elephant and Piggie. Deeply discounted tickets (Just $5 each) are available by clicking
. Be sure to choose the sensory friendly performance link to get the discount.
The Miracle League of CT is committed to removing all barriers that prevent anyone with physical and/or cognitive challenges to participate in any of our events or programs. This includes financial barriers. If you should need a fee waiver or financial assistance to participate please contact us by email at email@example.com with your request. All requests will be kept strictly confidential.
The Miracle League of CT | Phone:860 769-7055
Email: email@example.com | Website: www.miracleaguect.org
47 Upson St. Bristol, CT 06010
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Home >> Daily News >> Vietnam News >>Trade >> Viet Nam moves to step up regional trade
Viet Nam moves to step up regional trade
Viet Nam has introduced a six-point proposal to boost economic and trade ties between Cambodia, Laos, Myanmar, and Viet Nam (the CLMV bloc) and India.
All parties were advised to minimise trade and investment barriers to promote the progress of businesses.
The countries should also encourage their enterprises to take full advantage of their respective market access preferences, said Deputy Minister of Industry and Trade Do Thang Hai.
Hai led a delegation of 130 Vietnamese business owners and officials during a business forum between CLMV and India on Thursday in New Delhi.
He also proposed that India extend assistance to CLMV to develop their infrastructure and cross-border transport systems, including land, railway, waterway and airway routes.
Hai stressed the need for these countries to simplify administrative procedures and promote transparency by developing modern, as well as to strengthen collaboration within the ASEAN-India cooperation framework.
The officials emphasised the need to expedite negotiations for the ASEAN-India free trade agreement, aiming to create a comprehensive free trade area between the bloc and India.
This will provide more convenience to both sides and other partners in talks for a Regional Comprehensive Economic Partnership.
He also pointed to the need for the countries to share state management experience, as well as to fortify expertise exchange and education affiliation.
Viet Nam is aware that the enhancement of regional and sub-regional partnerships is significant to the economic growth of both the country and the region, he stated.
He added that the country has consistently supported India's initiatives and proposals to boost ASEAN-India ties.
The country is working hard with other ASEAN members for the establishment of an ASEAN Economic Community in 2015, making it a 600-million-strong single market with a total GDP of nearly US$2.5 trillion, he affirmed.
Chandrajit Banerjee, director general of the Confederation of Indian Industry, said he hoped the event would provide a platform for policy-makers from the CLMV bloc to meet with Indian business owners and discuss opportunities to foster the Indian-CLMV partnership.
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Gordon D. Schiff, MD; Stephen A. Martin, MD, EdM; David H. Eidelman, MD; Lynn A. Volk, MHS; Elise Ruan, BS; Christine Cassel, MD; William Galanter, MD; Mark Johnson, MD, MS; Annemarie Jutel, PhD; Kurt Kroenke, MD; Bruce L. Lambert, PhD; Joel Lexchin, MSc, MD; Sara Myers, BA; Alexa Miller, MA; Stuart Mushlin, MD; Lisa Sanders, MD; Aziz Sheikh, MD
Note: Drs. Martin, Eidelman, Cassel, Galanter, Johnson, Jutel, Kroenke, Lambert, Lexchin, Mushlin, Sanders, and Sheikh and Ms. Myers are members of an expert panel assembled for collaborative development of conservative diagnosis principles.
Disclaimer: The funding source had no role in the design or conduct of the study; collection, analysis, or interpretation of the data; or preparation or review of the manuscript. The findings and conclusions in this commentary are those of the authors and do not necessarily represent the official position of the Gordon and Betty Moore Foundation.
Acknowledgment: The authors thank Ami Karlage for editorial support and Andrea Lim for manuscript support.
Grant Support: From the Gordon and Betty Moore Foundation.
Disclosures: Disclosures can be viewed at www.acponline.org/authors/icmje/ConflictOfInterestForms.do?msNum=M18-1468.
Corresponding Author: Gordon D. Schiff, MD, Brigham and Women's Hospital, 1620 Tremont Street, 3rd Floor, Room 03-02-2N, Boston, MA 02120; e-mail, firstname.lastname@example.com.
Current Author Addresses: Dr. Schiff: Brigham and Women's Hospital, 1620 Tremont Street, 3rd Floor, Room 03-02-2N, Boston, MA 02120.
Dr. Martin: Barre Family Health Center, 151 Worcester Road, Barre, MA 01005.
Dr. Eidelman: McGill University, 3605 Rue de la Montagne, Montreal, Quebec H3G 2M1, Canada.
Ms. Volk: Partners HealthCare, 399 Revolution Drive, Somerville, MA 02145.
Ms. Ruan: Tufts University, 2 Hawthorne Place, Boston, MA 02114.
Dr. Cassel: 64 Lodge Trail, Santa Fe, NM 87506.
Dr. Galanter: Section of Academic Internal Medicine, 840 S. Wood, 440D, Chicago, IL 60612. Dr. Johnson: Department of Medicine, Mount Auburn Hospital, 330 Mount Auburn Street, Cambridge, MA 02138.
Prof. Jutel: Victoria University of Wellington, PO Box 600, Kelburn, Wellington 6140, New Zealand.
Dr. Kroenke: Regenstrief Institute, 1101 West 10th Street, RF 221, Indianapolis, IN 46202.
Dr. Lambert: Northwestern University, 710 N. Lake Shore Drive, 15th Floor, Chicago, IL 60611.
Dr. Lexchin: York University, 4700 Keele Street, Toronto, Ontario M3J 1P3, Canada.
Ms. Myers: 2783 Lancashire Road, Apartment 10, Cleveland, OH 44106.
Ms. Miller: 201 Dromara Road, Guilford, CT 06437.
Dr. Mushlin: Brigham Circle Medical Associates, 75 Francis Street, Boston, MA 02115.
Dr. Sanders: St. Raphael's Hospital, 1450 Chapel Street, Room M423E, New Haven, CT 06511.
Dr. Sheikh: Usher Institute of Population Health Sciences and Informatics, The University of Edinburgh, Teviot Place, Edinburgh EH8 9AG, United Kingdom.
Author Contributions: Conception and design: G.D. Schiff, S.A. Martin, D.H. Eidelman, L.A. Volk, E. Ruan, S. Myers.
Drafting of the article: G.D. Schiff, S.A. Martin, D.H. Eidelman, L.A. Volk, E. Ruan, C. Cassel, W. Galanter, M. Johnson, A. Jutel, K. Kroenke, B.L. Lambert, J. Lexchin, S. Myers, A. Miller, S. Mushlin, L. Sanders, A. Sheikh.
Critical revision of the article for important intellectual content: G.D. Schiff, S.A. Martin, D.H. Eidelman, L.A. Volk, E. Ruan, C. Cassel, W. Galanter, M. Johnson, A. Jutel, K. Kroenke, B.L. Lambert, J. Lexchin, S. Myers, A. Miller, S. Mushlin, L. Sanders, A. Sheikh.
Final approval of the article: G.D. Schiff, S.A. Martin, D.H. Eidelman, L.A. Volk, E. Ruan, C. Cassel, W. Galanter, M. Johnson, A. Jutel, K. Kroenke, B.L. Lambert, J. Lexchin, S. Myers, A. Miller, S. Mushlin, L. Sanders, A. Sheikh.
Obtaining of funding: G.D. Schiff, L.A. Volk.
Administrative, technical, or logistic support: L.A. Volk, E. Ruan, S. Myers.
Table. Potential Harms From Diagnostic Testing*
In this video, Gordon D. Schiff, MD, offers additional insight into the article, "Ten Principles for More Conservative, Careful Diagnosis."
Katherine Rediger, CRNP, D.R. Bailey Miles, MD
Johns Hopkins Community Physicians
October 25, 2018
The 10 Principles and Trauma Informed Care
We were pleased to read Dr. Schiff and colleagues' the "Ten Principles of a More Conservative Care-Full Diagnosis" and encourage medical providers to adopt this approach widely (1). We feel the principles are particularly applicable to trauma informed care.Adverse childhood experiences (ACEs) and adult trauma are prevalent but often not acknowledged within the medical context. Patients who have experienced traumatic events often feel a loss of control over their bodies, their relationships, and their lives. Their traumatic experiences, including ACEs and adult trauma, may manifest as physical symptoms as well as increased health care use and costs (2). This association is consistent with our experience working with an urban Medicaid population with a high prevalence of ACEs and adult trauma. As the authors note, at least a third of common symptoms that prompt medical visits will not have a clear-cut medical diagnosis (3). Somatization after trauma is not fully understood, but negative affectivity and feelings of incompetence are associated with somatoform symptoms (4). Furthermore, pain is often exacerbated by the patient's anxiety and distress, leading to further disability.Patients and providers alike often have little understanding of the link between trauma and physical symptoms and may continue to seek an explanation and treatment for the problem. In many cases, patients may undergo considerable medical testing without any abnormal findings or with incidental findings, which in some cases can be "hypothesis generating" (5) and lead to unnecessary diagnostics and intervention. Unfortunately, negative findings on diagnostic testing have not been found to be reassuring for most patients (5). As Dr. Schiff and colleagues note, our profession often fails to consider the harm that may arise from testing (1). Using an approach such as the one outlined in "Ten Principles" allows a traumatized patient to participate in medical decision-making, which can empower the patient and promote healing. Continuity of care is also a critical component of building a relationship with a traumatized patient by creating trust, allowing the patient to feel safe, and building on knowledge of the individual's patterns and coping abilities.The public health burden of untreated trauma is enormous and costs the health care system billions of dollars in unnecessary medical tests and procedures. Many of those dollars would be better spent on integrating behavioral health services into primary care and acknowledging the deep connection between physical symptoms and trauma.References1. Schiff GD, Martin SA, Eidelman DH, Volk LA, Ruan E, Cassel C, et al. Ten Principles for More Conservative, Care-Full Diagnosis. Ann Intern Med [Internet]. 2018 Oct 2 [cited 2018 Oct 24]; Available from: http://annals.org/article.aspx?doi=10.7326/M18-14682. Katon W. Medical Symptoms without Identified Pathology: Relationship to Psychiatric Disorders, Childhood and Adult Trauma, and Personality Traits. Ann Intern Med. 2001 May 1;134(9_Part_2):917. 3. Kroenke K. A Practical and Evidence-Based Approach to Common Symptoms: A Narrative Review. Ann Intern Med. 2014 Oct 21;161(8):579. 4. Elklit A, Christiansen DM. Predictive factors for somatization in a trauma sample. Clin Pract Epidemiol Ment Health. 2009 Jan 6;5(1):1. 5. Page LA, Wessely S. Medically Unexplained Symptoms: Exacerbating Factors in the Doctor-Patient Encounter. J R Soc Med. 2003;96:223–7.
Thierry Pelaccia, MD, MEd, PhD
Centre for Training and Research in Health Sciences Education (CFRPS), Faculty of Medicine, University of Strasbourg, France
November 12, 2018
Taking more time to diagnose may not be a good idea... despite its apparent obviousness!
The article published by Schiff and colleagues in the category "Ideas and Views" deals with a crucial subject (1). As the authors point out, diagnostic errors are frequent and constitute a major public health and quality of care issue. Recently, Makay & Daniel pointed out that medical error -the most frequent of which is diagnostic error- is the third leading cause of death in the United States (2). The article by Schiff and colleagues provides many avenues for reflection that deserve to be taken into consideration by physicians and that require additional research.Schiff and colleagues write in particular that "Time is a powerful incubator for diagnosis" and that "Having adequate time to listen, observe, discuss, and reflect is a decisive factor that separates good diagnosis from under- and overdiagnosis" (1). We believe that this statement should be considered with caution. The notion that taking more time allows for a better diagnosis is part of the "debiaising" strategies (3). The authors' advice on the importance of "Being aware of potential diagnostic error" is part of the same strategies. Debiaising strategies have recently been criticized in a literature review (4). In particular, several studies have shown that taking more time to diagnose does not increase diagnostic performance and may even reduce it (5,6). Other studies have shown opposite or contradictory results, with differences depending on the degree of complexity of the case and the clinicians' level of experience. They have been criticized for the protocol used, which has sometimes been developed to generate biases resulting from the way the case was initially presented to subjects or the way in which subjects were trained (6). In their review, Norman et al. concluded that "strategies focused on the reorganization of knowledge to reduce errors" are the only ones with "small but consistent benefits" (4).It therefore seems important to us not to consider that debiaising strategies, several of which are described in the article by Schiff and colleagues, will systematically be associated with an improvement in the quality of the diagnostic process and performance. In addition to the recommendations by Schiff and colleagues, it should be stressed that training has an important role to play in improving diagnostic performance, as it determines how students' knowledge will organize in long-term memory. It could also be a determining factor in transforming the physician's relationship to uncertainty, as part of the development of a "New science of uncertainty", as suggested by the authors (1). The challenge is to reduce physicians' intolerance to uncertainty, an important factor in overprescribing diagnostic tests. 1. Schiff GD, Martin SA, Eidelman DH, Volk LA, Ruan E, Cassel C, et al. Ten Principles for More Conservative, Care-Full Diagnosis. Ann Intern Med. 2018 Nov 6;169(9):643-646. 2. Makary MA, Daniel M. Medical error-the third leading cause of death in the US. BMJ. 2016 May;353:i2139. 3. Croskerry P. When I say… cognitive debiasing. Med Educ. 2015 Jul;49(7):656–7. 4. Norman GR, Monteiro SD, Sherbino J, Ilgen JS, Schmidt HG, Mamede S. The Causes of errors in clinical reasoning: Cognitive biases, knowledge deficits, and dual process thinking. Acad Med. 2017 Jan;92(1):23–30. 5. Ilgen JS, Bowen JL, McIntyre LA, Banh KV, Barnes D, Coates WC, et al. Comparing diagnostic performance and the utility of clinical vignette-based assessment under testing conditions designed to encourage either automatic or analytic thought. Acad Med. 2013 Oct;88(10):1545–51. 6. Sherbino J, Dore KL, Wood TJ, Young ME, Gaissmaier W, Kreuger S, et al. The relationship between response time and diagnostic accuracy. Acad Med. 2012 Jun;87(6):785–91.
James L. Meisel, MD, MHPE, FACP
Associate Professor, Boston University School of Medicine
November 19, 2018
Care-Full Diagnosis: Springboard to What Really Matters
"Ten Principles for More Conservative, Care-Full Diagnosis" is much more than a perspective piece. As intended, its authors incorporate not just principles of decreasing diagnostic harm but highlight the dearth of time to accomplish what matters to patients and caregivers; the need for clinical reasoning to precede diagnostic testing; and the central roles of continuity, humility, and trust in the doctor-patient relationship. I offer that the article should be considered a landmark publication, to be actively taught and broadly reflected upon within undergraduate and graduate medical education.
Gordon Schiff, Kurt Kroenke, Bruce Lambert, Lisa Sanders, Aziz Sheikh
Harvard, Indiana University, Northwestern University, Yale, University of Edinburgh
February 5, 2019
We are grateful for these comments highlighting different but important aspects of the relevance of our "Ten Principles for More Conservative, Care-Full Diagnosis" (full version is available at http://www.patientsafetyresearch.org/Schiff_Ten_Principles_Conservative_Diagnosis.pdf).Rediger and Miles describe key intersections between the high prevalence of trauma (childhood, adult), and clinic/office visits for physical symptoms that lack a clear medical diagnosis. We agree and suggest that diagnostic challenges in caring for this important group of patients perfectly illustrate the point we make in our introduction to the 10 principles – that under- and over-diagnosis are not opposite, competing pitfalls to avoid. Instead, they are two sides of the same coin that must be understood and approached holistically rather than trade off one at the expense of the other. Patients, particularly female patients, have experienced centuries of misdiagnosis when they presented with physical symptoms that were dismissed as "psychological," "hypochondriacal," "nonorganic," or even "hysterical"(1). At the same time, patients with serious prior or ongoing trauma are often not diagnosed and referred for the help they need, but instead are subjected to needless imaging, labs, and stigma (when the tests return normal) (2). Overcoming this requires, as we elaborate in the 10 Principles, an approach that emphasizes better listening, continuity, trusting relationships, appreciation of test limitations, and, yes…. time.Pelaccia, however, warns that "more time to diagnose may not be a good idea." He cites findings from case vignettes given to medical trainees. In the real world, there are two types of time: cross-sectional (within a single visit) and longitudinal (across several visits). Within a visit, a careful history is adequate for 75% of the diagnoses for patients presenting with symptoms (3). There is clearly a threshold below which clinicians lack sufficient time to take an adequate history, reflect, discuss with the patient and meaningfully document their thinking. Many clinicians would argue they are bumping up against this lower limit of minimum time. Across visits, follow-up has been found to sort out the majority of symptoms that resolve in 2-12 weeks (3). By "time is an incubator" we meant both types of time and emphasized the importance of "follow-up systems to support watchful waiting." Even Sherbino (who Pelaccia cites) acknowledges that "with routine cases rapid processing is both efficient and effective. However, when cases are more demanding, there may be value in more deliberative thinking" (4).Finally, we thank Meisel for endorsement of our 10 Principles.Gordon Schiff - Brigham and Women's Hospital, Harvard Medical School Center for Primary Care Kurt Kroenke - Regenstrief Institute, Indiana University School of MedicineBruce Lambert - Center for Communication and Health, Northwestern University Lisa Sanders – Yale Medical School Aziz Sheikh Usher Institute of Population Health, University of Edinburgh1. Tasca C, Rapetti M, Carta MG, Fadda B. Women and hysteria in the history of mental health. Clin Pract Epidemiol Ment Health. 2012;8:110-9. Epub 2012/11/02. doi: 10.2174/1745017901208010110. PubMed PMID: 23115576; PubMed Central PMCID: PMCPMC3480686.2. Murray AM, Toussaint A, Althaus A, Lowe B. The challenge of diagnosing non-specific, functional, and somatoform disorders: A systematic review of barriers to diagnosis in primary care. J Psychosom Res. 2016;80:1-10. Epub 2016/01/02. doi: 10.1016/j.jpsychores.2015.11.002. PubMed PMID: 26721541.3. Kroenke K. A practical and evidence-based approach to common symptoms: a narrative review. Ann Intern Med. 2014;161(8):579-86. Epub 2014/10/21. doi: 10.7326/M14-0461. PubMed PMID: 25329205.4. Sherbino J, Dore KL, Wood TJ, Young ME, Gaissmaier W, Kreuger S, et al. The relationship between response time and diagnostic accuracy. Acad Med. 2012;87(6):785-91. Epub 2012/04/27. doi: 10.1097/ACM.0b013e318253acbd. PubMed PMID: 22534592.
Schiff GD, Martin SA, Eidelman DH, et al. Ten Principles for More Conservative, Care-Full Diagnosis. Ann Intern Med. 2018;169:643–645. [Epub ahead of print 2 October 2018]. doi: https://doi.org/10.7326/M18-1468
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Jesus thought for a moment and then replied, "He that is without sin among you, let him cast the first stone at her." The people crowded around him were so touched by their own consciences that they departed.
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Oh sorry, I hope you saw a doctor for your knee injury.
You definitely reap huge benefits by meeting ppl in real life such as school, clubs, meet ups with girl friends and just going about your own life.
After socializing over the phone and setting up a time, I went and picked her up from her incall location and brought her to my hotel. She is an Intelligent, straightforward and clean woman. I liked her honesty and her class. She is educated and can carry a nice conversation. She is open to trying new things and It was fun to be with her. I wished she would have stayed longer. Lily is truly a flower to be had.
good kisse.
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The Santa Cruz Chameleon R 29 is a fun-loving hardtail that is also quite capable of racking up some miles. We've tested this bike with both 29-inch wheels and 27.5+ wheels. The wagon-wheeled iteration is a little more business-minded and delivers a fairly well-rounded ride without sacrificing too many of its playful values. The 27.5+ model is a bit more fun through corners given its copious amounts traction with additional ride comfort due to the ability to run a significantly lower tire pressure.
Back to our test bike, this is a rock-solid rig that delivers quick-handling downhill performance given its somewhat conservative geometry. This bike is agile and reacts very quickly to rider input. Charging down rock gardens is not its strongest suit; instead, it prefers to motor down flow trails. On the ascent, this bike was surprisingly efficient, and the narrower 2.3-inch tires roll very quickly. The Chameleon works through uphill switchbacks quite easily. We prefer climbing this bike with the adjustable dropouts set to long mode as this delivers a bit more stability and comfort. At $2399, this bike represents a solid value as it provides high-end performance within its intended application and features a respectable build kit.


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Southgate City Council Agenda
Council Chambers
Wednesday November 7, 2018
6:30pm Work Study Session
1. Halloween Home Decorating Contest Winners
2. Proclamation
3. Officials Reports
4. Audit Presentation
5. Discussions regarding agenda items.
7:00 pm Regular Meeting
Pledge of Allegiance
Roll Call: Colovos, Farrah, George, Graziani, Rauch, Rollet, Zamecki.
Minutes: 1. Work Study Session Minutes dated October 17, 2018.
2. Regular City Council Meeting Minutes dated October 17, 2018.
Scheduled Persons in the Audience:
Consideration of Bids:
Scheduled Hearings:
Communications "A" –
1. Memo from ACA/Finance Director; Re: Audit FY 2017-2018
Communications "B" – (Receive and File)
Old Business:
New Business:
Unscheduled Persons in the Audience:
Claims & Accounts: Warrant #1364 See Warrant
Janice M. Ferencz, City Clerk


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SDLP leader has written to Jeremy Corbyn urging to throw his party's weight the Backstop plan for the North of Ireland.
On Tuesday, British Prime Minister Theresa May lost a crucial House of Commons vote on her Brexit proposals.
In the heaviest defeat of a British government, the Tory party proposal lost by 432 votes to 202 – a massive 230 majority.
In his letter to the British Labour Party leader, the Foyle MLA wrote:
"Following yesterday's rejection of the Withdrawal Agreement by the House of Commons, I am writing to reiterate our strong view that the Backstop mechanism must be upheld to protect the interests of the people of Northern Ireland.
"On the 23 June 2016, the people of Northern Ireland expressed their clear wish to remain in the European Union; since that time their voice has either been misrepresented on the benches of Westminster, misunderstood or ignored altogether.
"The majority of people here, including business leaders, the agri-food sector and border communities, as well as many members of your own party, are agreed that short of no Brexit at all, the Backstop is vital in protecting our interests in Northern Ireland. This voice cannot be ignored.
"The SDLP have no interest in either inter or intra-party conflict in London.
"Regardless of the chaos and division in Westminster, the fact remains that there is no way to avoid a hard border in Ireland if Northern Ireland leaves the Customs Union and Single Market.
"That is why a Backstop is essential.
"Therefore, I am asking that you provide the people of Northern Ireland with a commitment that the Labour Party, a long-standing ally of Northern Ireland and our peace agreements here, will support the implementation of the Backstop," concluded Mr Eastwood's letter.


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Successful small companies can rapidly go out of business if they run out of cash. Likewise, struggling unprof small companies can be survived for a long period of time if they have a good cash balance. To puts it simply, cash is the life blood of American small businesses.
Small Business Loans in Sunset Beach, California
Naturally, when times are tough, inability to acquire capital to pay day-to-day operating expenses often ends up being a source of worry, anxiety and distraction for small company owners.
In these cases, lots of small company owners consider seeking short-term funding.
Small Business Loans in Sunset Beach, California
Sadly, the majority of big city and village standard lenders have rigid and strict criteria that their customers should fulfill.
Because of this, there is 4 specific features that are required by those seeking service funding.
Easy credit approval:
Organisations have a separate credit score from the business owner. Even if business owner has a high credit history, business might not have an established credit history (especially if recently established). For that reason, potential lenders need to offer options with that take the business owner's personal credit into consideration which accepts candidates with less than ideal credit.
Rapid Financing Time:
Normally, when a business is looking for a loan, they have operating expenses that they have to have the ability to pay within the next 7-14 days (such as payroll and providers). As such, loans that take weeks to be approved and financial resources just aren't suitable to many services needs
No Red Tape:
Many standard lenders needs months of bank statements and years of tax returns to be able to process a loan application. While this might not be a big deal to a well-established business, it's not very handy for a brand-new organisation that has actually beened around for six months to a year
Small Company Friendly:
Frequently, physical loan providers only service companies doing 20k or more in regular monthly revenue. This disqualifies smaller sized organisations doing 10k-15k in monthly income.
Because of the strict previously mentioned certification criteria enforced by conventional lending institutions, increasingly more entrepreneur are turning to the myriad of online financing services now readily available to small business owners in Sunset Beach, California
GoTorro Small Business Loans supplies fast funding in just 48 hours, of quantities ranging from $10,000 – $500,000 to debtors that meet the following basic qualification requirements:
500+ FICO Score
6+ Months in Business
10k+ Monthly Revenue
No security, No bank declarations, No Financials, No Tax Returns, and no credit references are required.
Click here to instantly find out how much financing your small business qualifies for


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Pacific Private Bank
Corporate Account Opening in Vanuatu
Corporate bank account and full e-banking facilities with Pacific Private Bank in Vanuatu - a well-known international financial center in Asia for banking and tax structuring. Pacific Private Bank offers the full range of banking services for its international clientele.
Online Banking
Credit Card
Debit Card
Pre Paid Card
Min. Balance
10-14 days
Processing Time
Find Out if you are Pre-Approved
- Personal presence in the bank is not required.
- An account opening fee of EUR 800 will be required.
- The initial deposit required is EUR 1000.
- Account opening timeframe. The account will be activated within 10 - 14 business days upon receipt of the original documents by the bank.
For the Company:
A set of legalized company documents consisting of:
- Certificate of Incorporation
- Memorandum and Articles of Associations
- Documents confirming the appointment of company directors and secretary (if any)
- document confirming the location of the registered office
- Share Certificate(s)
- Certificate of Good Standing if the company is more than 12 months old
- Copy of the Corporate Structure, identifying the ultimate beneficial owner(s)
- Valid License (if applicable)
- Description of business
For each director, shareholder, secretary, authorised signatory and ultimate beneficial owner:
- Notarized copy of valid passport.
The passport must be signed and signature must match the signature in the application form. The photograph must be clear and of good quality.
- Original or notarized copy of utility bill / bank statement dated within 3 months as verification of residential address.
- Original or notarized copy of Banker's reference letter, dated within 3 months
- Power of Attorney (where applicable)
- Personal CV
For each corporate officer (where the company directors or shareholders are legal entities), please provide:
A set of legalized company documents consisting of:
- Copy of constitutional documents (Certificate of Incorporation, Articles, etc.).
- Copy of Corporate Register (which shall include Register of Shareholders, Directors and Secretary).
- Copy of the Corporate Structure.
- Certificate of Good Standing.
Documents that are not in English must be accompanied by a certified translation.
If you conduct any activity without a required license or authorization granted by a relevant authority in any jurisdiction, STARTING BUSINESS will not be able to assist you with the company formation or bank account opening related to such unlicensed activity.
Licensable activities include, but not limited to: provision of financial services involving trading/brokerage in foreign exchange, financial and commodity-based derivative instruments and other securities; offering investment advice to public; insurance and banking business; operation and administration of collective investment schemes and mutual funds; payment processing services; money exchange, money transmission or money brokering; asset management; safe custody services; gaming, gambling and lotteries.
Please contact us if you need our assistance in licensing of your financial, Forex brokerage or gambling company.
Shipping of corporate documents or banking kits to your destination requires an extra charge and will be automatically added to your order during checkout. Shipping costs for international courier services are set automatically depending on geographic zones.
About the Bank
Pacific Private Bank was founded in 1997 in Vanuatu as a full-service bank supervised by Vanuatu's central bank. The bank focuses on providing wealth and asset management and tailored investment solutions.
In 2015 the bank was acquired by Enercom Capital - an investment company owned by Lithuanian businessman Vilius Kavaliauskas. This Acquisition coincided with an important capital injection effected by the new owner, shoring up Pacific Private Bank's core capital well above international standards set out by the Basel Committee on Banking Supervision and local regulatory requirements set out by the Reserve Bank of Vanuatu.
Pacific Private Bank meets the requirements of the U.S. Patriot Act regulations, FATCA and Anti-Money Laundering regulations.
- Corporate and personal accounts in USD, EUR, AUD, NZD, SGD, GBP, CAD and RUB.
- Online & Mobile banking.
- International wire transfers.
- Prepaid Debit SpectroCard.
- Savings & Term Deposits
- Multilingual customer support.
- Private Banking.
- Trading services.
- The approximate timeframe for account allocation is from 10 to 14 business days upon receipt of the original documents by the bank.
The Pacific Private Bank can be considered as a medium-cost bank with respect to incoming/outgoing payments and account maintenance. The cost of account opening is EUR 500, and monthly maintenance charge per account is EUR 250. Inward remittances are free of charge, and for outgoing international transfer the commission will be 0,10% (min. EUR 75, max. EUR 500) of the payment amount.Wealth Management and Asset Management Account opening and maintenance are free of charge.
Monthly maintenance of a prepaid debit SpectroCard is EUR 12.5 with card load fees of 1.5 % on all funds deposited to the card. The cash withdrawal fee is 2%; min EUR 3, max EUR 7.5. A card opening fee of EUR 150 will be required.
PLEASE NOTE: The bank tariffs may change at anytime at the sole discretion of the bank, we therefore suggest to contact us or visit the bank's website for updated details on specific fees and charges.
The STARTING BUSINESS professional service fee for the assistance of bank account opening does not include any bank charges and commissions, account maintenance fees, transaction fees, initial deposit or minimum balance.


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I have listed a new property at 48 PROVIDENCE WAY in Wasaga Beach.
Spacious condo townhouse on Golf Course community of Georgian Sands. Ideal for families with 2 bedrooms on 2nd floor sharing a "Jack and Jill" bathroom plus main floor master with en suite. End unit with lots of windows and light. Open plan lifestyle in the family room, kitchen and dining area with cathedral ceiling. Stainless steel appliances. Walk out to cover deck. Double garage with inside entry, 9' ceiling and hardwood floors. Large unfinished basement with rough in bathroom to add space and value. A/C. R/I Central Vac.Energy Star Certified and HRV air exchanger. Condo fees include window cleaning and landscaping. Golf course on your doorstep plus easy access to Stonebridge Town Centre and Beach. (id:2493)


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You are organising your wedding florals and you are loving the idea of florals at the ceremony and the reception; this is a great start.
Florals bring the mood and the vibe.
I will almost always suggest that any ceremony blooms that you have ordered can reused at your reception. This is what I call floral-recycling.
It only makes sense for them to be reworked into your reception space to get maximum amount of usage and to be enjoyed for the entire evening.
Here are some examples
Pew/chair florals can be removed after being used and placed on your cocktail tables, dry bar tables, coffee tables of gift table.
I've had some requests to reuse these on actual guests' tables to keep budgets in check, but I don't often suggest this as they may get a little bumped around at the ceremony.
Aunty Betty needs to get past Uncle Pete and has pressed on a rose. Little cousin Jack thought he would run down the aisle and touch them all as he went past, and Grandma Rose just wanted to check if they were real, so she pinched a few to see if it left a mark.
This is real life guys, I know these things happen, flowers are indeed fascinating, but having these not so pristine blooms on your guests' tables doesn't sit right with me. Having them placed on your peripheral and casual tables makes more sense. After the ceremony they are quality checked for these tables too. Having blooms in this cocktail/canape area sets the tone for the rest of the reception area.
The blooms from your ceremony arbour can be removed and re purposed on your bridal table, which looks a bit amaze if I'm being honest.
Vases that sit on top of your altar in a chapel or church I'm a real fan of. They are usually designed in simple clear glass and placed on either end of your altar table. It frames you guys beautifully.
These then get taken to your reception to be used on the bar, your guest book table or your grazing table, they can go anywhere really!
What I'm loving on these days is ceremony freestanding metal plinths that can be reused in your reception also, either at the entrance of your space or either side of your bridal table.
In regard to who transports these over to your reception for you, there are a few choices.
I offer this in my services, and so I will await the end of your ceremony and photos with family and head in to remove these florals for you. They get taken straight to your reception without you even knowing I was there!
You can also enlist the help of a family member or friend to assist with this for you, or you can ask if your planner is able to assist here. This will need to be discussed with your planner beforehand though.
So floral recycling is what I love to suggest so you can get the most out of all the blooms for your big day.
Chat again soon lovely!
Gab XO


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Canyon BedK4-S44
Prices Vary Based on Selected Materials (Wood, Finish, Hardware, Fabric/Leather). Call for Factory Authorized Dealer Locations
DetailsOur kids and teens furniture is constructed using quality hardwoods from sustainable forests. Our Furniture is handcrafted using solid wood and no particle board. The beauty of our furniture lies in its style, construction and you ability to choose the wood, finish, size, hardware, configuration and style.
Canyon Bed, Queen - Short Footboard Only
Model:- K4-S44Q
Dimensions:- 62.50"w x 3"d x 18"h
Collections:- Canyon
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Canyon Bed
K4-S44F - 56.50"w x 3"d x 18"h
Canyon Bed
K4-S44T - 41.50"w x 3"d x 18"h
Canyon Bed
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Canyon Bed
Note:- Some Size Modifications are Available
Other Items in This Collection
Stuart David Home Furnishings
3419 Railroad Avenue · P.O. Box 1009 · Ceres, California - 95307 (Map)
Ceres Showroom Open 10:00am - 5:00pm Monday - Saturday


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Laboratory Simulation of Corrosion Damage in Reinforced Concrete
Access Status
MetadataShow full item record
Source Title
This open access article is distributed under the Creative Commons license http://creativecommons.org/licenses/by/4.0/
This paper reports the results of an experimental program involving several small-scale columns which were constructed to simulate corrosion damage in the field using two accelerated corrosion techniques namely, constant voltage and constant current. A total of six columns were cast for this experiment. For one pair of regular RC columns, corrosion was accelerated using constant voltage and for another pair, corrosion was accelerated using constant current. The remaining pair of regular RC columns was used as control. In the experiment, all the columns were subjected to cyclic wetting and drying using sodium chloride (NaCl) solution. The currents were monitored on an hourly interval and cracks were visually checked throughout the test program. After the specimens had suffered sufficient percentage steel loss, all the columns including the control were tested to failure in compression. The test results generated show that accelerated corrosion using impressed constant current produces more corrosion damage than that using constant voltage. The results suggest that the constant current approach can be better used to simulate corrosion damage of reinforced concrete structures and to assess the effectiveness of various materials, repair strategies and admixtures to resist corrosion damage.
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In summer I love to make gazpacho. I named this version of the Spanish tomato-based cold soup Farm to Table Gazpacho. It is loaded with seasonal vegetables so to me represents the possibility of eating locally grown produce. This soup requires a bit of chopping (okay, it's A LOT of chopping) but you don't need the oven or the stove. I made it on a sweltering hot summer day when the temperature in my kitchen was the same as the temperature outside so I was grateful for no extra heat.
My friend lives on a farm just outside the city and this year she hosted a farm-to-table dinner. I chose Gazpacho as my dish to make for our Gourmet Dinner Club night. It was a spectacular summer evening, the table was set on the grass surrounded by beautiful gardens and we were encouraged to go barefoot. With views of fields dotted with hay bales, the rolling foothills of the Rocky Mountains and the majestic peaks in the distance this was a real farm-to-table event.
This post contains affiliate links. When you purchase using these links your cost is the same, but I receive a few cents for every dollar spent. I appreciate your support for this website.
The reality is that most of us don't live on a farm so we conveniently buy our food at a grocery store. This is the time of year to pause and think about that. Buy local produce at a Farmers Market if you can and host your own dinner. It doesn't need to be fancy or complicated but rather done in the spirit of farm to table. Plan a simple gathering outdoors with friends and celebrate the bounty of summer produce.
I love the challenge of creating a gourmet presentation. This year I served my Farm to Table Gazpacho in Mason jars and laid the garnish on top. Using ingredients in the soup and fresh herbs from my garden was easy. I simply made a cucumber ribbon using a vegetable peeler. After threading each ribbon onto a wooden skewer I added a small thyme blossom and cherry tomato.
Did you attend or host a farm-to-table dinner this summer? Let me know in the comments below if you did and what you served.
|1½ lbs tomatoes, peeled, seeded and chopped
|1 cup finely chopped cucumber
|½ cup finely chopped red onion
|½ cup finely chopped red pepper
|1 jalapeno, seeded and minced
|1 garlic clove, minced
|¼ cup extra virgin olive oil
|juice of 1 lime
|2 tsp balsamic vinegar
|2 tsp GF Worcestershire sauce
|½ tsp toasted, ground cumin
|1 tsp salt
|¼ tsp pepper
|bottled tomato juice for a total of 1 cup of juice from the tomatoes
|GARNISH –basil leaf, cucumber ribbon, cherry tomatoes, fresh thyme
Join our community and see what's cookin' in my kitchen each week. Download the free ebook if you need some ideas for more everyday cooking at home.


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For many people, the office is where they build up the most amount of stress. Beyond a point, work of the same kind gets boring, and eventually tedious. And if it isn't that, then there is a chance it is taking too much out of you each day. Relatively few people are genuinely happy with the work they do, and those that are not build up stress like a twig someone is standing on.
It goes without saying that distractions can take some of the severity off what you are feeling by the time you go for lunch. Now, everyone gets lunch breaks, and most have enough on their minds that they want to forget for a short time. People find different ways to do that, but few are as truly relaxing as simply playing with a toy – a desk toy to be more precise. Something you can pick up when you have the time, and start fiddling with while your mind drifts.
All of that talk was building up to this: desktop magnetic balls. Easy to hold and play with, and a delight if you actually care about the other possibilities on the table, a magnetic balls set can take your mind off work problems for a short time each day. Who knows, maybe this will keep you from storming out because everything simply seemed wrong in that moment. Too much stress can make you act recklessly, which is why it is important to unwind when you get the chance. And desktop magnetic balls are a good way to do just that.
You can spend your free time fiddling with these magnetic spheres which make up a cluster, one that you can shape into whatever thin that comes to mind. After some time this gets to be a fun challenge; you start to see other shapes you can make, and start searching for more. The simple fact that this occupies you in a playful setting means you are no longer saddled with worries you were finding hard to handle. Whatever was bothering you gets set aside for the time being, and you get to enjoy a few minute of blissful peace.
It is not necessary to be mentally stimulated when you are actually trying to relax, but if that is the way you prefer it, you will find that Buckyballs magnets offer many opportunities to test your creative side. Get a set and see how good they are for you.