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our drinks nuestras bebidas Live Music Música en vivo A trip is measured in friends,
not miles
Un viaje se mide en amigos,
no en millas
not miles
no en millas
If not scale the mountain, you'll never enjoy the scenery
Events Eventos contact us contáctenos
Luciérnaga / Bar, Hotel
And yHostal
Carrera 3 #9-19, 00000
Phone Teléfono :3104250197
Schedule Mon-Tue Horario Lun-Mar: 7:00-23:30 Fri-Sat Vie-Sáb: 7:00-1:30
Sun Dom: 7:00-23:30 Nestled in the emerald green Los Nevados mountain range, on the outskirts of historic Salento lies the premier bar, restaurant and hostel in all of Quindio. Ubicado en el rango de montaña verde esmeralda Los Nevados, en las afueras de el histórico Salento se encuentra la barra de primer nivel, restaurante y hostel de todo el Quindío.
Clases de salsaY como todos los Miércoles… Clases de salsa en #Luciérnaga �...
The best hostel I have stayed at in South America. Live music every night, beautiful view over the town, plus the comfiest beds in Colombia...if you aren't making time to stop off at Luciernaga, you're making a huge mistake.
Myself and 6 friends came to Salento and were so grateful to find such a fab little haven with everything we needed. Firstly the staff could not have been more accommodating. They were friendly, on the ball with all the goings on/tours/transfers.
We stayed here on our trip to Salento, not your typical hostel was clean and tidy, the staff were welcoming and helpful arranging transfers and booking local tours. Restaurant below offers decent food, and the live band on a Sunday were cool. Would definitely recommend.
My favourite hostel I have stayed in! So good in fact, I extended my stay to week and was still reluctant to leave. Its a pretty new hostel and they have started off right. The beds are comfy and you even get DUVETS! Not something you normally get excited over, but after 5 months of travel, its a treat! The hostel and restaurant are very clean. The only problem with the bathrooms is that there is no ventilation, so you have a pretty steamy room after a shower. But at least you know its hot water right!


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Buffalo's prominent example of Art Moderne architecture has been refurbished and refitted as the home of Alleyway Theatre. The new facility features a variety of spaces that are now available for occasional rental. Alleyway Theatre complies with federal regulations regarding accessibility.
For information or rental quotes: firstname.lastname@example.com
Click Here for technical specifications.

subset: commoncrawl


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Coming soon! Our Safe Start programme is under development subject to suppprt from prospective partners in coming years. Parents and carers of the under fives will enjoy a fun, non-judgemental, practical session in our safety village looking at risks to young children in the home, on the street and in the car. The session is run in small groups of up to 8 adults, and will end with refreshments and an informal chat and review of what has been learnt. Sign up for SafeWise eNewsletters to get more information about when this programme goes live.
Safe Start
The programme will cover:-
- Home safety with under fives in the bathroom, kitchen and living areas: reducing trips, slips and falls, burns, choking and other injury
- Fire safety
- Basic pediatric first aid
- In car safety including child seats, boosters, and dealing with your child in the car
- On street safety
- Budgeting with a young child
- Where to get support
- How to teach your child about risk
This programme is currently under development. If you would like to register your interest, or find out more about supporting the programme, please get in touch.


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http://www.gxta.gov.cn/home/myzjAdd Interactive platform, suggestions Tel.nr. f.e. 0773-2818120 but change some digits!!
You can use the Chinese text to post, but only up to 500 characters:
The Yulin Dog Meat Festival in China Must End
This celebration of cruelty and slaughter has no place in the 21st century. 21
Here are 5 reasons that the world is calling for an end to this mass dog slaughter 5
大原因 为什么全球呼吁喊停这一大规模杀狗行径
1. The Yulin Dog Meat Festival exposes the pubic to serious health and food safety issues.
Since China does not have dog farms there are no national or local standards to ensure the safety of dog meat.
Dogs sold on the market are often sick, poisoned and dying.
China currently has the second largest number of rabies cases in the world. According to a news report 338 rabies cases were reported in Yulin between 2002 and 2006. All people infected with rabies died. Meat dogs, who are transported to Yulin for days in unsanitary conditions, arrive in very poor health and are vulnerable to multiple illnesses. The Government must address this public health hazard to help prevent the onset of a SARS-like disease and massive deaths.
2. The dog meat trade undermines social stability, aggravates existing social conflicts and sabotages the central government's efforts to build a harmonious society. A significant number of the dogs sold on the market are stolen pets or valued watchdogs. This violates the rights of the dog owners and challenges the authority of law enforcement agencies. If dog theft continues, violent confrontations between dog owners and the dog meat industry will intensify.
3. The mass slaughter of dogs exposes young people to violence and cruelty. During the summer solstice, Yulin is becomes a slaughterhouse where some dogs are even killed publicly. Studies have long shown that exposure to violence can desensitize youth and make them indifferent to the feelings of others. The Guangxi Zhuang Autonomous Region government and its official Women Federation are obligated to stand up and to protect the young people.
4. Contrary to what the traders would have us believe, eating dog is not a "folk custom". It is a commercial activity benefiting a few people. Even if the dog meat consumption was a regional tradition, China should not condone any practice that runs counter to human progress. Foot-binding, opium-smoking and arranged marriage – so-called Chinese traditional practices – were all brought to an end by the Chinese people. The government must work to eliminate outdated practices that damage the reputation of mainstream Chinese culture.
5. Finally, Guangxi's natural beauty attracts millions of domestic and international tourists. But as more people around the world learn of Yulin's mass dog meat consumption the region, as a whole, is disgraced. In 2014, more than 100,000 people around the world called for shutting down the city's mass dog meat consumption.
最后,广西的自然美景吸引了数以万计的国内外旅客。因玉林大规模聚众消费狗肉被全球越来越多人知道,整个自治区也因此蒙羞。在 2014 年,全球超过 10 万人呼吁喊停玉林大规模狗肉消费行为。
We appeal to you to act in the interest of public health, child welfare and the reputation of Guangxi and China and call for an end to Yulin's mass consumption of dog meat.


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Photo by Steve Barnum / Reporter
Mayday Brewery celebrated its fifth annual Folk 'N Art Festival Saturday, and people came out to enjoy live music, buy local art and drink craft beer.
The Murfreesboro heat couldn't even keep the locals from gathering at Mayday to shop the various pop-up tents scattering the front of the brewery, each filled with local artwork available for purchase. Local folk artists performed at the Loading Dock Stage while guests kept cool with refreshing, ice-cold beer.
Cody Hale is a Murfreesboro artist who has been focusing his time on creating artwork with pen and ink, watercolor and coloring pencil for the past ten years. Hale set up shop for the festival, and people could find splatter art under his tent.
To achieve a sturdy piece of art, Hale strategizes by drawing everything out, masking off the drawing and splattering ink in layers with a toothbrush.
"It gives (the art) more of an organic feel, and it's just fun to create a technique all on your own without having any influences based on technique," Hale said.
Hale has been selling at the Folk 'N Art Festival since it first started and says it has always been a lot of fun.
"You've got great beer, great music and it's one of the most fun shows I do all year long," Hale said. "It's just laid back and everyone seems to be really interested in art."
Michelle Sweatt, another local artist, features art by the name Inclined to Improvise.
Her "one-man's-trash-is-another-man's-treasure" mentality allows Sweatt to transform run-down objects into new creations. She uses paper clay for the heads of her sculptures and repurposed materials for the bodies.
"I love this festival," Sweatt said. "Ozzy (owner of Mayday Brewery) is really good at supporting local: local music, local food, local art."
Like Hale and Sweatt, MTSU alumna Amanda Bimson, who studied printmaking, had her own art tent set up as well. She is a veteran Folk 'N Art Festival vendor, and her art is centered around a character named Toastie.
"Toastie just kind of started in my head and he has not died yet, so I just continue on doing little images of Toastie and what he does and his adventures," Bimson said.
Although her brand, Toast is Art, began with Toastie, it continues to grow and develop with additions of other characters.
"Now (Toastie) has a lot more friends to do adventures with," Bimson said. "So it developed into almost a running cartoon in my head."
Whether it concerns artists, beer, vendors or businesses, Bimson spends a lot of her time promoting locals to ensure the money goes back to the community.
"(The Folk 'N Art Festival) always brings in tons of people and it's just a great way to (feature) the artists, amazing music (and Mayday's) beer," Bimson said. "They are supporting their local people, which is great and beautiful."
To contact Lifestyles Editor Tayhlor Stephenson, email firstname.lastname@example.com.
For more updates, follow us at www.mtsusidelines.com, on Facebook at MTSU Sidelines and on Twitter/Instagram at @Sidelines_Life.


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PhenQ vs Caralluma
PhenQ vs Caralluma: Although you can read both PhenQ forum and Caralluma forum and try to choose one of these weight loss pills, you can use this page and directly compare PhenQ and Caralluma.
What is better, PhenQ or Caralluma? We suggest you should read both PhenQ review and Caralluma review, find the differences between these two popular products, see how real people rated these weight loss pills and make your choice based on real results and user reviews from our Weight Loss Forum.
What is better, PhenQ or Caralluma?
60 Days
If you have ever tried supplements or pills before, chances are that you know why they did not work - most of them only target a single aspect of weight loss.
When you are using PhenQ, you are using a product that realizes that you cannot just focus on one concept, but you rather have to focus on all areas of losing weight if you want to be successful.
This is where PhenQ makes a difference, it is going to help target multiple issues related to losing weight. It is going to help you reveal your body by burning stored fat, it is going to ensure that you take in fewer calories by suppressing your appetite, and it is going to improve your energy levels and overall mood.
PhenQ is a completely natural remedy which has a quick slimming effect.
The drug is safe to use at 100 per cent. It generates no side effects.
PhenQ is an excellent source of nutrients which slows down the process of aging and is remarkably efficient against infections.
Do not rely on products that force you to buy other products to go alongside it or only help with a single step, with PhenQ you are getting a one-stop solution for your weight loss problem.
PhenQ is a product that is going to make losing weight simple and straightforward and will ultimately help you save money.
Do not waste another moment with excess weight when you know that you have an option like PhenQ that is going to help you change your body for the better.
The weight loss phase lasts slightly longer with PhenQ, but it's healthier, doesn't require much commitment and guarantees long-term satisfaction of the weight loss results.
The route to success in reaching an ideal figure is a balanced diet, physical activity, and PhenQ.
90 days
What is the primary problem facing most people who are actively trying to lose weight? The problem for most people is that they are unable to stick to a diet and cannot get themselves motivated enough to exercise. With Caralluma Pure, you are going to have an appetite suppressant is that is going to make it easier than ever before to stick with your diet.
The potent ingredient found in Caralluma Pure that is going to make a difference is an extract of the Indian herb Caralluma fimbriata. This is going to help you in your weight-loss efforts by ensuring that you are not constantly hungry. Add regular exercise to the mix, and you are ready to get the body that you have always wanted.
Many of the supplements found on the market are all bark and no bite, but Caralluma Pure has undergone placebo controlled human clinical trials that were randomized and double blind. This means that it is scientifically proven that Caralluma Pure can help you lose the weight that is currently bothering you.
With Caralluma Pure, you have a safe alternative that is going to help you lose weight, without making it a chore. Make sure that you try Caralluma Pure and see for yourself what type of difference it can make in your life.
|More information PhenQ Forum
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PhenQ vs Caralluma
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Award-winning husband-and-wife folklorists Randy Russell and Janet Barnett have gone to the dogs. Digging deeply through the rich field of Southern folklore, the authors have discovered that a dog's devotion to its human does not always end at the grave in Ghost Dogs of the South.
Spanning the years between the American Revolutionary War and the present, these stories of ghost dogs and dog ghosts (e.g., humans who manifest as dogs) often recount benign hauntings. Mike, an Airedale, still patrols a Harlan County, Ky., coal mine, alerting miners to potential accidents. The ghosts of a sea captain and his dog ride the waves of the Gulf of Mexico near Mobile Bay, warning sailors of hurricanes. A Boxer ghost named Preston who saved the life of a trick-or-treater from a speeding automobile in the 1950s still roams his old neighborhood every Halloween. A mutt named Moses refuses to be separated in the afterlife from his beloved master, a fallen soldier of the Civil War. Alternately eerie, funny, tragic and sentimental, these tales are told in clear, declamatory prose befitting their origin in the oral tradition.
These tales will undoubtedly delight dog lovers and will not fail to charm even the most dour skeptics of supernatural phenomena.


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The Craziest Thing I've Ever Written
T. nthony
dedicated to my grandmother
I bet you didn't know my uncle is Jesus? He is the Soul Destroyer! He is under surveillance by unknown sources. He yells on public transit that he is GOD! Often, when he forgets or refuses to take his medication he leaves me long rambling phone messages threatening to blast my soul to hell with his super powers! When I finally answer the phone he holds me captive for hours, reciting bible passages. His vile homophobic rants sometimes make me cry. I'm the biggest sinner he knows, his queer niece, and he needs to save my soul before it's too late! I want to hang up and erase his messages.
I no longer recognize this crazy, yelling, incoherent person, yet I know buried deep somewhere inside the madness of his mind, the real him is frantically trying to get out. He desperately needs someone to talk to, who will listen to him, love him through the voices that are in his head. These voices take over his tongue, keep him pacing the floor at night, having full conversations with himself, by himself. These voices encourage him to take strangers home to his one-room government-assisted apartment so he can preach to them the word of God. These newly recruited "disciples" will often rob him of his few precious dollars and his simple possessions, and afterwards they laugh at him, mock him and call him the "Mad Man of London!"
My grandmother has asked me numerous times to write a play, a movie and/or a book about mental health. She has begged me to write about my uncle, write about who he was. But I couldn't. Found my shame got in the way of my crazy love for him. Because before he was the "Mad Man" who prowled London streets barefoot reciting biblical passages, before he was the Soul Destroyer, and way before schizophrenia took over our lives, he was my lovable, handsome uncle Cee.
The man who rewound Thriller nearly twelve dozen times so his daughter and I could learn the words, and he could teach us the dance moves. Cee taught me how to moon walk! He was a brilliant dancer who could mimic every single Michael Jackson move. He was a tall, chocolate, dark brother, with white sparkling teeth, a mischievous chuckle, and the slickest dresser on the block. He made me proud that he was the guy on the block who everyone looked up to because he made it -- made it the legit way. He was a hard worker, sometimes working two, three jobs. He owned his own home by 22, lived in an upscale neighborhood, drove a Porsche, had a beautiful wife, and beautiful kids. He faithfully picked me up every other weekend to take me to his fancy home so his wife could braid my hair in the latest styles. He gave me money for school dinners, ice cream, taught me how to roller-skate backwards! He was a father figure to me, my biggest role model. He sat me down and gave me motivational talks on the value of hard work. I was in awe of him. He had big dreams. Crazy to think I was a true believer. Crazy to think we didn't see crazy coming. But schizophrenia snuck up on him and robbed him of his wife, children, and life. Schizophrenia stole our biggest living dream.
And I am ashamed of my own shame in dealing with his illness. Cee has been my dirty little secret. The person I do not talk about in polite company. Last year, Cee called me a few months before Christmas. He was taking his medication so the conversation flowed more naturally between us, and I was reminded of why I loved him. He expressed to me that he was lonely; he didn't want to spend the holiday season alone in his dingy flat.
So I impulsively invited him to come to Atlanta to spend Christmas with me. Before the words were out of my mouth, I was filled with regret. What would my upscale neighbors think if Cee decided to not take his medication and walk across their fancy, manicured lawns barefoot reciting bible passages? What if he started spewing his message of homophobic hate, loud enough for my neighbors to hear? What if he became emotionally and verbally abusive again? Would I be able to handle his behavior by myself? I knew that if I called him back to renege on my invite this might be the new thing that would cause another one of his "setbacks."
Cee called faithfully every week, excited about our upcoming visit. My stomach turned. Three weeks before Christmas, he was hospitalized. He had stopped taking his medication again and had taken another unwelcome visit to his ex-wife's house. He wanted to see his estranged children. His frustrated ex-wife called the police, and they threw the crazy man back in the hospital. I was relieved. No Christmas visit. My secret was safe again.
However, there has been times when my world and Cee's world have collided and it has been a beautiful collision. When my play," 'da Kink in my Hair," opened in England, I nervously invited Cee to the opening and to a private dinner that was being held in my honor. I will never forget the look on his face, how eager he was to be a part of something, finally a welcomed member of society! He came with my beaming grandmother. He was a bit overdressed for the occasion but looking handsome.
He sat at the table and I held my breath. He was charming, overly chatty with everyone and maybe someone with a keen eye may have noticed that something was a little "off" with him... but he was there, and he was my uncle, and I wanted him to be there to experience my normal. I needed to have this new memory of him, laughing and drinking expensive champagne, talking, eating, feeling accepted, living this life that should have been his. Me, believing that if he was a part of my normal that maybe this would distract him from the voices in his head, the craziness of his world. I wanted to make him forget all that he had lost. Make him feel alive again. It was a beautiful night. I caught glimpses of him, the old and the new Cee, and I shamelessly loved him.
I often talk aloud to myself; sometimes in the shower I have full conversations with myself, by myself, going over my long daily to-do list. I talk to strangers on the bus. My brain never shuts down. Insomnia strikes me often. I pace the floor when I'm stressed. I've been told I over think things. I turn on music in the wee hours of the morning to quiet my thoughts and to stop my brain from reeling. When I catch myself doing these things, I get scared. Is it possible that Cee's illness is going to strike me at any minute?
I constantly worry that there will come a day when my children will no longer wish to see me, when my niece will worry more about what her neighbors will think than about my own wellbeing, that my mother will only talk about me in the past tense, and that people will whisper and stare at me, and call me crazy. And l worry that I will call my family members late at night, threatening to banish all their souls to hell! I wonder if they will they be ashamed of me? Ashamed of their own shame? Maybe. But I hope they will love me through their shame, love me in a passionate, crazy, mad, kind of way.


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As I sit to begin sharing with all of you, taking a few precious minutes away from the ever-growing list of chores and tasks, I wonder what today's topic should be.
Some pretentious (and mostly groundless) statement on our current culture? (not in the mood.)
A thinly-veiled feminist rant regarding our country's consistently conflicted views of pornography? (interesting.)
The nature of God vs. Man vs. Woman? (too heavy!)
How about a discussion of Wal-Mart, the Evil Empire, vs. Woman? (not enough self-righteous rage today.)
I think I'll go with the choice that interests everyone – Porn. I'm not in the mood for a long treatise tonight, but a few words are required because NOW the idea is stuck in my head.
People love to see each other naked. People love to have sex because it's fun . Most people like to see other people having sex for the same reason. In a million little ways, from "Wow, that's an interesting idea!" to the autonomic responses most of us experience while consuming pornography that interests us (rather than what specifically turns us off), we get a kick out of "adult" entertainment.
Positive sex and images of it are sociologically and psychologically healthy. People, especially women, who embrace this idea are more comfortable with themselves and more at home in our society. One of the easiest and most earthy ways to embrace this ideal is consuming pornography. Without deviating too much into the myriad implications of the "F" word (feminism), such a stance is commonly referred to as the "Pro-Sex Feminist.." This archetypical woman believes in human nature and the need to protect it, as do I.
And, so, the big question: Am I a consumer of pornography? Not to egregious levels, but of course I am. Many people claim they aren't, but I disbelieve most of them. I tend to worry about the emotional well-being of those who honestly do not respond to something that could be classified as porn, and I think those people are actually few and far between.
Most of us just won't admit it because we fear black-suited femi-Nazi ninjas will drop from the ceiling in order to imprison us somewhere that would make Guantanamo seem like Aspen should we utter such a vile sentiment.
Wow, getting that idea out of my head felt great!


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Systemness is a term increasingly used to describe the desired future state of complex healthcare delivery systems — delivering patient-focused, seamless and high-quality care across the many parts of the system to maximize value for patients. It is about healthcare that is connected, smart, aware and adaptive to patient needs.
Systemness, and the move to the highest level of performance of integrated delivery, means developing a continuum of care, in an effective synergistic care delivery model, which maximizes customer value and addresses proactively the health of populations.
This shift is happening around the world with the consolidation of health care and the social services and the emergence of Integrated Delivery Networks. Hospitals are becoming holistic networks that collaborate with community-based, empowered institutions to keep communities healthy.
Patient-centered networks are being successfully implemented the world over rendering obsolete institution-based visions of the healthcare system.
What has worked in other jurisdictions? What are the lessons for building high-performance health and social services management networks? What are the benefits that have been demonstrated? How could such a model apply to the Quebec reality?
Confirmed speakers included:
- Dr. G. Ross Baker, Institute of Health Policy Management and Evaluation
- Roxane Borgès Da Silva, Assistant professor, Faculty of Nursing, Université de Montréal and CIRANO
- Rick D'Aquila, President of Yale New Haven Hospital and Yale New Haven Health System
- Dr. Jean-Louis Denis, Professor of health policy and management at the School of Public Health, Université de Montréal, senior scientist on health system and innovation at the Research Center of the CHUM and Canada Research Chair on Governance and Transformation in Health Care Organizations and Systems
- Dr. Jim Peake, Senior Vice-President, CGI Federal
Click here to view the agenda.
When: Friday March 17, 2017, 8:00 am – 12:30 pm - Registration: 7:30 am, Followed by lunch
Where: Centre interuniversitaire de recherche en analyse des organisations
1130, Sherbrooke West, 14th Floor
Montréal (Québec) H3A 2M8
514 985-4000
514 985-4039


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Natskin is temporarily closed for beauty therapy services, we are however, available for Remedial Massage on selected days, by appointment only. Appointment requests can be made on-line or alternatively, leave a phone message and we'll respond to you asap.
Gift vouchers and skin care products continue to be available on line and we are offering contactless delivery of skincare products to our nearby neighbours, or alternatively you can pay over the phone and collect in store.
Please take care of yourselves and each other.


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Artists: Bastos / Pandrea
Title: Split
Release: 7″ / Digital
Year: 2014
Label: Fading Halo Records, Dvvm Recs
This one is short, but it's so awesome, you're going to be playing it again and again. Besides having the best artwork in the history of Romanian music this 7″ actually sounds like what you see on the illustration. Both Bastos & Pandrea are playing music which doesn't stay on the same place for even a second, but is torn between many, all worth following, directions.
Bastos is I guess a new project (of already known faces) with people from a Coins As Portraits, Void Forger and whatnot. They're strictly instrumental, which I might want to see if not changed completely in the future, then at least seen as potential for sporadic experiments, because their melodies, song structures and mood in general might benefit from having another element for the listener to follow and absorb. What I told you for the split in general is completely valid for Bastos – they don't stay in the same mood for more than a moment. They eclectically switch between being happy, then melancholic and even sometimes slightly pissed off. And… man, their pieces are so catchy. Also recorded pretty neat and lively.
On the other side we find Pandrea, a Bucharest-based noise rock trio, who, believe it or not, are even weirder than Bastos. With a post-rockish guitar melodies, but kinda rock'n'roll rhythmic section and math rock transitions and outbursts they're indeed a curious listen. I only dislike a passage in the vocals that's effected quite silly. But yeah, that's not really a huge issue. In general, that split's a great reminder that on the music scene worldwide there's so much weird stuff going on, that one should never stop digging for more.


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Blues Snap Win Streak, Fall to Predators
NASHVILLE, TN (AP) -- David Legwand scored the only shootout goal, Pekka Rinne finished with 39 saves and the Nashville Predators beat the St. Louis Blues 2-1 on Saturday night for their fifth consecutive victory.
Legwand drifted to his right before lifting a backhander over the outstretched glove of St. Louis goaltender Jaroslav Halak, snapping the Blues' four-game winning streak.
Martin Erat scored in regulation for Nashville, and T.J. Oshie had the St. Louis goal.


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Having to translate from one language to another requires one to learn the language for at least 3 to 5 years. A lot of us do not realise that when translating to another language, 20% of the meaning has been lost in the process.
Why is that 20% of the meaning is lost?
1) Different meaning from different language. Words from different has different meanings, evening if it has almost the same for 2 languages, there is still a small difference.
2) Different culture. Even if we are using almost the same meaning word, it may not make sure to the other culture language.
This 20% lost in meaning is true throughout the world, and there is nothing much we can do about it. The best way is to use the translation services in that particular country.
Here are some tips in getting a local translator to give you the best translation for your work:
1) Make sure the translator has at least 3 to 5 years in the language.
2) Make sure the translator has at least 2 years translation experience.
3) The translation services company has past customers who gave good review.
Get your translation done with us, for you can get a FREE quote with us.


text:
Content creation is a mystery to some. Just like a blank canvas is to an artist without inspiration or an empty page is to a writer with writer's block, digital content creation is now part of the creative club. But it doesn't have to be a mystery. It can be an exciting, colorful, thought provoking process if you let it. According to CoSchedule Blogger, Jennifer Bourne, "the problem with most small businesses face isn't creating amazing content, it's creating amazing content consistently and sustaining it over time." She continues to explain that valuable, relevant, quality content that takes time, effort and knowledge is usually handled by the same staffer who is responsible for a variety of other, more important things.
You need a content creation plan. So let's get planning with these four marketing "call to actions."
1. Attract The Right Audience: Attracting the right audience to a website is more important than just anyone stopping by. Who are the "right people and how can they be reached? After all, happy leads become happy, loyal customers. Ideal customers or buyer personas is a description of what an ideal customer. Their demographics, likes, dislikes, goals, dreams, and so on. It is the person or the persona you created your products and services for. Here some common content creation tool to attract the right audience:
Blogging: A blog is the single best way to attract new visitors to your website, A blog is a website consisting of entries, or posts similar to a daily journal. Blogs usually include links intended to increase user interactivity. You must create educational, valuable content that speaks to your target audience so they can find you. Blog posts must be entertaining, consistent and current. Blogs can feature one writer or multiple writers.
Website Pages: A website is the face of your company, many times a new customer's first interaction with you. So like any first impression, spend time getting it right. Create an attractive, easy to navigate website that will appeal to your audience and make them want to stay, look around and turn into a customer. Attractive graphics, page speed, well designed links, current photos, easy to read fonts and of course engaging content are all components of a well done website.
SEO: Search Engine Optimization sounds scary but what's scary about it is if digital content creation doesn't have it. The first thing a potential customer does when looking for something is go to their favorite search engine like Google or Chrome. The descriptions you use for your company and products are keywords that the search engine uses to help the user with their search. It is wise to spend time gathering your industry's keywords and using them in all marketing content. Sites like SEMrush will help fine tune keywords.
Social Media Presence: Get social and stay social. Social media offers businesses a huge opportunity to reach current and potential customers with their digital content creation. Facebook, Twitter, LinkedIn and others are valuable platforms to share tips and trends about your industry, use links to your blogs and website, invite your followers to share your information with their friends and to keep your presence in newsfeeds. Getting to know each platform and who is using them is important to the content you share. Consistency is also important.
2. Get SMART: Once you've established who you are marketing to, it's time to get smart. The SMART goal outline is perfect for helping with content creation:
- Specific: Create specific inbound marketing goals so the entire team is working toward a common goal.
- Measurable: Keep a record of what content is successful and what content wasn't. Track the money and time spent on campaigns and then review it to see what worked and what didn't.
- Achievable: Set goals and expectations that are achievable based on your staff, budget and timeframes and celebrate when they are met.
- Relevant: Set goals that are in line with the entire company's vision and are relevant with what is trending in the industry.
- Timely: Create goals around a specific time frame, keeping customers in mind, the amount of time to reach the goals and complete the campaigns.
3. Get Responsive & Mobile Friendly: If your website isn't mobile friendly, or readable and useable on all sizes of mobile devices then make arrangements to get it done as soon as possible. More people are using their mobile devices, smart phones and tablets to do business than ever before. Three reasons you must have a website with responsive design are:
- You're Losing Business: In a recent survey, 61 percent of visitors to a website were likely to leave if a site wasn't mobile friendly. If you still use only a standard website that doesn't feature responsive design, your customers are finding and buying from companies websites who are. Customers, especially the younger Millennial generation are on their mobile devices for almost everything and that may include searching for you.
- Your Customers Expect It: Updating to a mobile friendly website proves to your customers you are on trend and current. It doesn't matter if you sell online or not. Customers have certain expectations with company's they do business with and since a website presence many time is their first impression of you, what your website looks like, what content it features and how easy it is to use, can make or break converting a visitor to a customer.
- Google Will Penalize You: As the world continues to go mobile and be everything on the go, and more and more of our daily activities rely on a handheld device, it is imperative that websites are responsive to all different sizes of screens. Google's goal is to increase search traffic, and those with responsive websites will be rewarded by getting listed higher in searches. Those websites that aren't will be ranked lower or not at all.
4. Use Creative Call To Action: Call to action(CTA) buttons are one of the most important components of your website. A great CTA button can direct users, get them to take a desired action, improve conversion rates, and assist your website achieve its objectives. Visual cues are common in today's marketing world and the button needs to stand out. It's almost intuitive for them to recognize clearly marked action words (verbs) so they can easily navigate a website and get where they want to be. Buttons with call to action verbs like, "Call Now," Click Here For a Free Recipe," Sign Up for Our Emails and Save," and Read Now to Learn More." Here are a few questions when designing a call to action button.
- Text: Is the call to action clear, create a sense of urgency, short and to the point and communicate value?
- Size: Is the call to action button easy to find and recognizable as a call to action button and is it mobile friendly?
- Placement: Is the call to action button is a place that makes sense for the visitor to take action?
- Color: Does the call to action button stand out, have ample white space and feature a tried and true color? Research indicates that green and orange get more clicks than other colors.
Say Thank you: Thanking customers for visiting your website but especially for buying something from your website may the extra something that gets customers to come back again and again. Creating gratitude leads to more overall success in any business. Research shows that customers spend more and employees accomplish more when they feel appreciated by being thanked regularly. Some thank you ideas are a thank you email with coupon for a future order, invite special customers to a customer appreciation day, ask them for a review of your service or through social media by liking and sharing their posts and creating special thank you events.


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Premium ingredients make the difference. 4health® Grain Free Pet Foods are free of grain, wheat, soy and corn - providing high levels of protein while eliminating common causes of pet food allergies. The added Omega fatty acids in grain free food can also help promote skin and coat health while probiotics and antioxidants provide every day digestive and overall health support.
4health® Grain Free dog and cat formulas provide lots of energy and nutrition for active and working dogs and are designed to help maintain a healthy digestive system. Real meat is always the first ingredient, providing great taste for pets that thrive on rich proteins such as Pork, Turkey, Duck, and Beef. Included in each formula are a blend of omega-6 and omega-3 fatty acids to help promote shiny coats and healthy skin, and fortified with Taurine for heart health. Find 4health® Grain Free dog food, cat food and puppy food exclusively at Tractor Supply Co.
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Stella's Callie's Got Her Groove Back!!
I think I'm getting back into the groove of things….
Last Wednesday I ran a mile on the treadmill.
Last Thursday I ran a mile and a half on the treadmill.
This morning I did Jazzercise for the 1st time in about 8 weeks.
Tonight I ran two and half miles outside….
It felt great!! 🙂
So….I think I'm slowly getting back into the idea of running and working out….just in time for winter!
Facing an injury as an adult is very hard….frustrating mentally because my brain says "RUN" but my heel says "NO"!!
But, slowly and surely I'm getting it back….


text: YPARD Zambia is currently working on mapping people and institutions in ARD in Zambia in order to get stakeholders share and work together. In this purpose, Simon, YPARD Zambia representative, created a Dgroup : « Young Professionals' Platform for Agricultural Research for Development – ZAMBIA » which can be accessed at http://www.next.dgroups.org/hivos/ztn/ypardzambia . The platform accommodates discussions amoung hundreds of members. To join the Dgroup, a person has to click on the link above and register with dgroups.org for them to be able to access the YPARD Zambia group. Or they can send an email to email@example.com with subject 'request to join'. Furthermore, a Repository : « Young Professionals Platform for Agricultural Research for Development-Zambia » can be accessed at http://share4dev.info/kb/organisation_view.asp?organisationID=2039 . The platform is meant to be a portal for knowledge and information sharing and exchange on various youth in ARD issues among local members, for discussions to facilitate the identification and collaborative handling of various topics, make resolutions, review group actions, and other knowledge sharing activities. This provides also an opportunity to local young professionals in ARD to have access to tools for effective knowledge and information sharing that will enhance their collaboration and improve their involvement in ARD. Local YPARD members and stakeholders can document activities, projects and resources as well as geo-location of ARD initiatives in Zambia in a central open platform accessible not only to Zambians but to the global development community. Resources would include PDF files, video clips, word documents, photos of various ARD initiatives. These will be tagged with meta data entered to make searching easier. This presents an opportunity for YPARD members and stakeholders to share with other like-minded initiatives and the global community at large at no cost, and with their content openly accessed. This is an open repository and anyone can view the details of the repository such as the description, activities, resources , projects. You however would need to register with share4dev knowledge base for you to use certain resources. Some of the most important features include a profile for each member, a calendar that helps the local members to keep track of local events, a task manager that helps members to manage tasks within the team and keep track of the progress of such tasks, a library that provides a tool for members to share information resources in different file formats as well as important links. To the advantage of all, this platform enables members to use RSS feeds for the platform, and also be able to launch a discussion or contribute to a discussion through email. Various things discussed on this platform will be summed up and shared with the YPARD global community. YPARD Zambia is particularly keen on building up a strong local working group and strenghten capacity building opportunities in knowledge sharing and exchange. Therefore, efforts are focused on identifying Agricultural Research Institutions, Training Institutions that provides General Agriculture and Agricultural Research or related programs, and other ARD stakeholders, in order to work together on that purpose. Dgroups provides tools for facilitating frequent and fruitful knowledge and information sharing to strengthen these strucutures and their partnership.


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|Important News: Dreamworld is now officially discontinued!
| Upon the release of Watermelon Waves in 17-May-2017, Dreamworld has been removed entirely from the game, for both Flash and Mobile. Dreamworld now no longer exists in the game, and all Dreamworld content are officially considered discontinued.
Currently, there has yet been an official notification and explanation from King regarding the discontinuation of Dreamworld through social media sites or King Care.
We are very sorry that Dreamworld has been discontinued. Let the adversary forever curse the Candy Kingdom! See this thread for more information.
Candy Crush Saga is a British-Swedish puzzle game, much like Bejeweled, created by the British Facebook game developing team King.com. The difference between it and Bejeweled is that the game has a story mode; levels can have multiple required goals, more entities and elements, and most obviously, has candies instead of jewels. It is currently available through the Apple Store, the Google Play Store, and Facebook for free, with the ability to sync between devices and Facebook account. The player has to match three or more candies of the same colour through switching candies with each other to complete the various level objectives. There are six types of Levels: moves levels, jelly levels, ingredients levels, timed levels, candy order levels, and mixed levels.
Mixed Mode level is one of the six level types in Candy Crush Saga. This level type's icon is two separating colours with a white rotation. Mixed levels first appear in Sugar Shrubs, the 114th episode, with the first mixed level being level 1688.
Mixed levels are levels with two or more different objectives. Currently, there is only one type of mixed level, where the player has to bring down all ingredients and clear all the jelly. The Sugar Crush is like candy order and ingredients levels, where remaining moves will become striped candies.
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The Community Portal is a great place to learn about the wiki. It contains information for newcomers and regular members alike:
The superfan's guide to Candy Crush Saga - created by fans, for fans. Wikia apps are always up-to-date with highly accurate, real-time information from Wikia's vast fan community. Candy Crush Saga app features hundreds of pages of content created by fans just like you. Find in-depth articles on Level types, Elements, Characters, Blockers, Boosters, Worlds, Episodes, Walkthroughs, Strategies and much more. No other app offers this amount of accurate insights, tips and information with useful companion features such as:
- Browsing: categories and articles created by Fandom's Candy Crush Saga community and rank them in trending order - Search: Candy Crush Saga articles - Readability: enjoy a clean text-, image-, and video-browsing experience with font and text layout customization options - Collaboration: Join the community! Directly connect with the Candy Crush Saga community to request more information or suggest changes
NOTE: The app icon, screenshots and all content inside this app are Creative Commons licensed (CC-BY-SA) and the license details for all of these assets can be found on Fandom's licensing page: https://www.fandom.com/licensing. As an official Fandom app, this app fully complies with the CC-BY-SA terms set forth on that page.
All Fandom content and the contents of this app were uploaded by users and are governed by Fandom's Terms of Use (https://www.fandom.com/Terms_of_Use). We have a team dedicated to enforcing our terms of use, including responding to DMCA takedown notices. For more information please see our DMCA takedown policy: https://community.fandom.com/wiki/Help:DMCA_takedown_notice
King together with AirThemes presents the Candy Crush SagaTM Theme! Download this theme and totally customize your Android device with really cool interactive features. Sweet! Candy Crush Saga Theme features: • Tasty! lock screens with Candy and sounds from the game, plus Odus the Owl to guide you • A Live screen wallpaper with Tiffi as the main character to keep you company and several more which can be purchased separately • Fully customised Candy Crush Saga icons set • Interactive menus and widgets • Easy access to the official Candy Crush Store, King website and of course, to your favorite gameAll these features are included in one simple install, just download and follow the onscreen instructions. For the lock screen to work you will need to disable any native Android lock screens. This is done in Android Settings under Screen lock menu item (make sure it is set to "None").
Already a fan of Candy Crush Saga? Like us on Facebook or follow us on Twitter for the latest news: facebook.com/CandyCrushSodaSaga
If you have any questions, our team is always welcome to help you. Administrators:
Got stuck in one of the levels? Don't worry! Go to these pages to find the hard levels and we may help you:
Which of the levels are you in now?
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|Facebook Game Wikis
Adventure World • Band of Heroes • Barn Buddy • BRAAAINS • Bubble Island • Cafe World • Candy Crush Saga • Castle Age • CastleVille • City of Eternals • CityVille • Country Life • Crazy Planets • Criminal Case • Dream World • Empire Battle • Empires & Allies • Epic Pet Wars • Evil Genius Online • Fairyland • FarmVille • Fashion Wars • FishVille • Fish World • Fish Wrangler • FrontierVille • Galaxy Life • Gangster City • GnomeTown • Happy Aquarium • Happy Island • Happy Pets • Hero World • Hidden Chronicles • Hospital City • Hotel City • Island Paradise • Kingdoms of Camelot • Levynlight • Lil Farm Life • Mafia Wars • Marvel: Avengers Alliance • Megapolis • Miscrits • My City Life • My Ninja • My Town • Ninja Saga • Ninja Warz • Office Wars • Pet Society • PetVille • Pirates Ahoy! • Pirates Saga • Restaurant City • Social City • Sorority Life • Towner • The Sims Social • Treasure Isle • Vampire Wars • War Metal • Wild Ones • YoVille • Zoo Paradise
Angry Birds • Baba Is You • Bad Piggies • Bejeweled • Candy Crush Saga • Criminal Case • Cut the Rope • Dreams • Ghost Trick • Helltaker • HuniePop • ICO / Shadow of the Colossus / The Last Guardian • Inkagames English • Lemmings • Magical Drop • Marvel Tsum Tsum • Peggle • Professor Layton • Puzzle Bobble • Quantum Conundrum • Scribblenauts • Snood • Super Monkey Ball • Taisen Puzzle-Dama • Tetris • World of Goo • Yo-kai Watch Wibble Wobble
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FAQs & FORMS
For the answer, click the "plus" on the far right of each toggle.
Where can I get my general questions about insurance answered?
Common Ground Healthcare Cooperative has partnered with Covering Wisconsin to bring easy to understand information to you. This includes an explanation of terms such as deductible, coinsurance, copay and out of pocket maximums. Please visit our resources page to learn more.
What does it mean to be covered by a cooperative?
In many ways, cooperatives behave much like any other health insurance company. We meet the same laws and regulations, and we provide medical insurance and prescription drug coverage. What makes us different is that we are a nonprofit organization that is owned and governed by its customers. We answer to our members, not corporate shareholders, so we have absolutely no motivation to raise prices simply to make more money. Our Board is made up of individuals buying our insurance, who are elected by the entire membership. The member-governed board has the authority to approve our budget, approve our rates and oversee our operations.
How do tax credits for health insurance work?
If you are eligible for an "Advanced Premium Tax Credit" from the federal government, or APTC, it means that the federal government is paying a portion of your health insurance bill every month. You will see this reflected on your monthly invoice. You can only get tax credits if you buy health insurance through Healthcare.gov, whether that is with the help of an insurance agent, Common Ground Healthcare Cooperative staff or on your own. The amount you receive is based on the income you've reported to the federal government on your taxes or on your health insurance application. That is why it is very important to report any changes (income, births, moves and so on) to the federal government as soon as possible, so you do not receive more or less than you should. Either way, your tax credit will be "settled up" at tax time. You can also opt out of advanced payment of the tax credit by contacting www.Healthcare.gov, but then you will have to pay the full amount for your health insurance.
When is my bill due? How do I pay my monthly bill (aka premium)?
You must pay your premium by the 25th of the month prior to coverage (for example, by May 25th for June coverage) to avoid any interruptions in your coverage. If you do not pay your bill on time, you will enter into a grace period that you cannot get out of until you pay your total balance due in full as of the date your payment processes. We have several options for payment, including online recurring payments. Click here to learn more.
How do I change my address or make other changes?
If you are receiving a tax credit for your coverage, or if you have otherwise purchased health insurance through Healthcare.gov (even through an agent or CGHC), then you are required by law to report any address or life changes (marriages, births, change of residence, etc) to Healthcare.gov. We cannot update our records until the federal Marketplace (Healthcare.gov) updates its records.
If you purchase your health insurance directly with CGHC (not on Healthcare.gov), then please mail or email us your address change information using this form.
email: email@example.com
mail: 120 Bishop's Way, Suite 150, Brookfield, WI 53005
What is the difference between Common Ground Healthcare and Healthcare.gov?
Many times when a member talks with the federal government-run Marketplace (Healthcare.gov) they think they are talking with us, their health insurance company. It's important to understand we are very separate organizations, and we generally talk to each other electronically through data files. If you have a concern about the service you've received through Healthcare.gov, there is little we can do to influence that. But, we can help you understand how to navigate Healthcare.gov, including how we might help report errors and open up complaint tickets. Just call us at 877.514.2442 so we can explain what we can help with, versus what the federal government will need to help you with.
How does CGHC handle complaints and refund overpayments?
We maintain an internal process for the timely investigation and resolution of complaints and grievances. Members may file a complaint/grievance regarding any aspect of care or service provided to them by CGHC or our contracted providers. The internal complaint/grievance process includes steps to ensure careful and complete consideration is given to each complaint/grievance. More information about the complaint/grievance process is on our website. You may also call Member Services at 877.514.2442.
If you feel you have made an over payment and are owed a refund, please contact our Member Services department at 877.514.2442. We do our best to issue refunds within 30 days of any over payment.
What if I'm late paying my bill, is there a grace period?
Yes. If you do not pay your bill on time, we will give you a short grace period to help you catch up and keep your health insurance coverage. This is very important, because once you lose coverage for nonpayment of premiums, that coverage cannot be reinstated. This means you are not eligible for another plan until January 1 of the following year, unless you have a qualifying life event. The length of the grace period that applies depends on whether or not you are receiving a tax credit (APTC) for the purchase of insurance through Healthcare.gov.
If you are NOT receiving a tax credit for the purchase of health insurance, we will give you 31 days to bring your account up to date. During this time, you are responsible for the cost of any health claims and we will not pay for your prescriptions at the pharmacy until you bring your account fully up to date.
If you are receiving a tax credit for purchase of health insurance, we will continue paying for covered claims in the first 30 days of your grace period. We will begin to "pend" coverage of your healthcare claims after the first 30 days. Pending your claims means that we will hold on to them without paying them until you bring your account fully up to date. We will also let your doctor know you are in your grace period. You are responsible for your health claims after 30 days and we will not pay for your prescriptions at the pharmacy until you bring your account fully up to date. When your account is 90 days past due, your plan will be terminated retroactive to the date you last paid premium through.
Remember, to end a grace period you must pay all past due balances as of the day your payment processes so your account is fully up to date. Partial payment will not extend the grace period.
How can I find out if my doctor is in the Common Ground Healthcare provider network?
To check if your doctor is in our health plan network or to find a doctor in your area, go to our provider directory. If you don't get your insurance through your employer, click here to access our directory. If you get insurance through your employer or your spouse's employer, click here to see the networks we offer to our small business members. You can always check with our member services department too by calling 877.514.2442.
Do your plans include prescription drug coverage? How can I find out if a medication is on your drug list?
All our health plans include prescription drug coverage. Some plans are copay plans where you pay a set amount for various drug "tiers," while others require you to satisfy your deductible before we begin to cover some or all of the cost. Please check our online formulary to determine if your prescription medication is on our list of generic and preferred drugs. Keep in mind that the formulary describes different "tiers" of drugs, with generic and preventive prescriptions generally costing you the least out of pocket.
Does CGHC offer plans that are compatible with a health savings account (HSA)?
Yes, we offer individuals and families a Bronze HSA plan option. You would contact your own financial institution to administer the HSA. For more information, call our Sales department at 855.494.2667 or view our plans online.
Click here to learn more about Health Savings Account health plans.
What is an HSA plan?
Health Savings Account eligible health plans are health insurance products with a deductible that is high enough to qualify you for tax-advantaged savings on health expenses. To qualify as an HSA-eligible plan, the health plan can only pay for preventative care services and nothing else before the deductible is met.
Purchasing an HSA eligible health plan is just the first step in gaining tax-advantages when paying for medical expenses. The second step is to open an HSA account at your bank or credit union. Any money you put into your HSA account can be used to pay for deductibles, copays and out-of-pocket healthcare costs. The money deposited into an HSA account is not taxed at the time of deposit or upon withdrawal as long as you spend it on qualified medical expenses. It's all documented on your tax return. Best of all, the money is yours to keep and rolls over from year to year. Click here to learn more.
How can I find out what's covered?
Our benefits are described in our Certificates of Coverage.
View our Certificate of Coverage for Individuals and Families
View our Certificate of Coverage for Employers and their Employees
Services requiring prior authorization are described in the certificate, as are exclusions and limitations. If you have any questions about our Certificates of Coverage, please call member services at 877.514.2442.
What is medical necessity and what services require Prior Authorization?
Medical necessity describes care that is reasonable, necessary and/or appropriate, based on evidence-based clinical standards of care. CGHC covers only services deemed medically necessary, and therefore your claims may occasionally be subject to review for medical necessity.
In addition, some of the services we cover require prior authorization. A prior authorization is a written form completed by your physician requesting approval for you to seek certain services. A prior authorization request must be approved by CGHC prior to services being received in order for them to be covered by your plan. The Prior Authorization request must be received at least five business days prior to the anticipated date of your service or procedure. Please note that for urgent or emergency admissions, prior authorization must be obtained within 24 hours of the admission or the next business day. When circumstances such as these occur, please call 877-779-7598 as soon as possible and submit a request for an expedited Prior Authorization review of an urgent claim. A decision will be made within 24 hours of receiving the requested information.
If you fail to obtain written prior authorization for designated services, eligible charges will be reduced by 50% up to a maximum penalty of $1500. The 50% penalty will apply first, before deductibles, coinsurance, or any other plan payment or action. The 50% penalty does not apply toward your maximum out-of-pocket. To obtain prior authorization, call 1-877-779-7598. This call starts the utilization review process.
Click here to learn more and download a list of services requiring prior authorization.
Click here to download a list of prescription drugs requiring prior authorization.
What's not covered?
What if my service or authorization is denied for payment?
If an authorization has been denied, you have the right to appeal that decision. Our cooperative fully supports this process and may change its decision if there is a good reason for doing so based on additional information that you provide. CGHC must complete the appeals process within 30 days. If you aren't happy with the outcome of an appeal, you can also ask for an external independent review to be conducted. Complete instructions on how to file an appeal are available on our website or call Member Services at 877.514.2442 for more information.
Pharmacy or medication denials are subject to similar appeal steps and rights described on these pages. Members can submit this type of appeal to: OptumRx, Prior Authorization Department, PO Box 5252, Lisle, IL 60532. This same procedure applies to requests for exceptions to gain access to medications not listed on our formulary. Or, you can call OptumRx at 855.577.6545.
How do I enroll in a CGHC plan? What is a Special Enrollment Period?
Small employers can enroll in our employer health insurance plans at any time and may contact our Sales department at 855.494.2667 for assistance. Most individuals and families can only enroll during open enrollment. The open enrollment period runs from November 1 through December 15 every year. During open enrollment you will be able to purchase CGHC coverage directly through our website, by calling our Sales team at 855.494.2667, through your own insurance agent, or by going online to www.Healthcare.gov.
If you did not enroll during open enrollment, you can only enroll if you've had a significant life event that qualifies you for a special enrollment period. Events may include losing health coverage involuntarily, getting married, having a baby or adopting a child, losing a dependent, gaining citizenship, moving your residence, divorcing your spouse or having a change in income. To find out if you are eligible for a special enrollment period, call our sales department at 855.494.2667. Don't delay because most special enrollment periods are only available for 60 days after the life event occurs.
How do I know if I qualify for a tax credit?
Healthcare.gov is the federal government-run marketplace for health insurance. You can find out if you qualify for tax credits online by visiting their website at Healthcare.gov, by calling 800.318.2596, by calling our Sales team at 855.494.2667, or by talking to your health insurance broker. The only way to receive a tax credit is for you to buy insurance through Healthcare.gov, although our company or an insurance broker can help you with that at no cost to you.
Why should I consider working with a broker to help me choose health insurance?
A broker is independent of a health insurance company. Brokers are licensed with the state to sell health insurance, so they know all of the plans the different health carriers offer. A broker can meet with you in person and spend the time needed to explain the coverage that would best meet your needs. There should be no cost to you when you choose to work with a broker.
A broker will continue to work with you after you have enrolled in a health plan. He or she will help you with claims or billing questions and each year at renewal time they will meet with you to explain any new options. To find a broker please call our Sales department at 855.494.2667. A Sales team member will provide a list of independent brokers in your area.
When will my health coverage begin?
If you enrolled between November 1st and December 15th as part of the open enrollment period, your health insurance coverage began on January 1st. The deadline for 2018 coverage is only 45 days this year. You will not be able to enroll in coverage for 2018 after December 15th unless you qualify for a special enrollment period.
How do I renew my plan?
Common Ground Healthcare Cooperative automatically renews individuals and small employer members into their existing plans unless we receive a termination notice in writing. However, we STRONGLY encourage our members to actively renew with us. You can do this with our help, your broker's help or through Healthcare.gov. This is the safest way to avoid any miscommunication we might receive from the federal Marketplace (Healthcare.gov), especially during the busy open enrollment period. For more information, view our renewal webpage.
I enrolled in a plan and have not received my member packet and ID card yet. When can I expect to receive them?
Once you enroll in a health insurance plan and pay your first month's premium, it will generally take about two weeks for us to generate your membership materials and send them to you. You can view materials and print a temporary ID card by going to our member portal.
As long as you have enrolled and paid your premium, you are covered as of your effective date even if you haven't received your member packet and ID card. You can always call us at 877.514.2442 for assistance if you need it.
Why does the cost of health insurance keep going up?
CGHC's mission is to make coverage for our members as affordable as possible while maintaining sufficient funds to pay all claims and administrative expenses. New medications, procedures and technologies improve health and save lives, but they can be costly. Pharmaceutical companies and health providers have to be paid from member premiums.
In addition, people get older every year. All insurance companies charge more the older you get, so this increase will always be a part of your insurance renewal. If you get a tax credit, this can also change from year to year and impact your share of your premium.
One thing you can depend on is that Common Ground Healthcare Cooperative will set its premiums responsibly and fairly to ensure premiums cover our costs, and that we have a sustainable cooperative in the future for our members. We do not operate for profit, so that will never be part of the consideration, and our rates will always be approved by our member-governed Board of Directors based on the best information available to us at the time of our rate filing.
Click here to learn more about how to keep your out-of-pocket healthcare costs down.
What is an EPO plan?
EPO stands for Exclusive Provider Organization. This means that members with individual and family plans will only have coverage for care received from in-network providers. If you see an out-of-network provider, the services will not be covered, except for emergency care, urgent care outside of our service area, or when there are not any in-network providers that are qualified to treat your condition.*
*If you are unable to find an in-network provider to treat your condition, your current in-network provider can request out-of-network services by filling out our EPO Referral Form and submitting it for review. If services are approved, a written network approval letter will be issued to the referring provider, member, and referred to out-of-network provider. Prior Authorization may apply after network approval. If out-of-network services are denied, and in-network provider will be recommended.
Am I covered for urgent or emergency care out-of-network?
Urgent care is when you need non-emergency medical attention and cannot wait to schedule a doctor's visit. Only if the urgent care service is provided outside of our service area will you have coverage at out-of-network facilities. In that case, the urgent care visit will apply to your in-network benefits including deductibles, coinsurance and copayments. Please be aware that you may have to make additional payments if the out-of-network provider bills you for the difference between what they charge and our "maximum allowable fee" (the appropriate payment amount) based on what other payers pay for the service. If you are inside of our service area, you will need to visit an in-network urgent care facility for the service to apply to your benefits.
Emergency care means that you have a serious of life threatening condition that needs immediate attention. A medically necessary emergency care visit will apply to your in-network benefits including deductibles, coinsurance and copayments. When you are traveling and there is an emergency you should always go to the nearest emergency room. However, you may have to make additional payments if the out-of-network provider bills you for the difference between what they charge and our maximum allowable fee (or appropriate payment amount) for the service. Please understand that once you are no longer in need of emergency care, you will need to transition to an in-network facility for follow-up care for these services to be applied to your benefits.
If I see an out-of-network provider what will I owe?
CGHC will only cover out-of-network services in case of an emergency, urgent care outside of the service area, or if there is not an in-network provider who is able to provide the service (which requires approval). If your out-of-network is not listed here or approved through an EPO referral, you will owe the entire bill to the provider. There are limited circumstances where non-emergency out-of-network services will be covered within the service area: 1) an in-network provider is not able to provide the service, AND 2) an in-network provider submits an EPO referral for you to see an out-of-network provider, AND 3) CGHC approves the EPO referral BEFORE you receiving the service AND 4) the service is medically necessary and meets our coverage requirements outlined in the Certificate of Coverage available at CGCares.org/Certificate.
Please understand even if you visit an out-of-network provider for (a) an emergency or (b) urgent care visit outside of our service coverage area or (c) in an approved referral situation, you could still be balance billed for the service. Balance billing occurs if the provider charges you the difference of your billed charges and the maximum allowable amount CGHC pays toward the service. Our maximum allowable fee is based on the amount other payers pay for the service.
You mention the term "referral," what does referral mean?
CGHC does not require you to obtain a referral to see an in-network specialist.
In this case, an EPO referral is a form that your in-network provider must complete before you can receive out-of-network services. The EPO referral form is submitted to CGHC for review and both you (the patient) and the out-of-network provider will receive written confirmation of approval or denial of the requested services. Services received without an approved EPO referral will be denied and the payment will be the responsibility of the CGHC member. A referral is not required for urgent or emergency services.
It is important to note that a referral is separate from a prior authorization. An EPO referral is a review of network, and the prior authorization process reviews the treatment to ensure it is medically necessary. To view the list of services that require prior authorization please review the Certificate of Coverage at CGCares.org/Certificate.
In an EPO, do I need to select a primary care physician and get a referral to see in-network specialists?
You do not have to select a primary care physician. You also do not need a referral to see in-network specialists.
Even though it is not a requirement, it is always a good idea to find a primary care physician who can help you navigate the health care system should you ever need it. We recommend that you receive your preventive care services from a primary care doctor that practices general, internal, family and geriatric medicine, including some pediatricians and OB/GYNs.
If I have a dependent child on my plan living outside of CGHC's 19-county service area, what coverage will they have?
Qualified dependents who are currently living away from home are covered for urgent or emergency care that need immediate attention. Follow-up care and any covered elective procedure must be obtained from in-network providers. Costs related to medically necessary urgent and emergency care will apply to your in-network benefits and will be paid by CGHC at our maximum allowable fee (or appropriate payment amount).
What about coverage for full-time student member dependents?
Dependent full-time student members that attend an Institute of Higher Learning within the state of Wisconsin, but outside of the CGHC 19-county service area, have coverage for one clinical assessment by an out-of-network provider and a total of five counseling visits for outpatient behavioral health, substance abuse treatment or any combination of the two. These students will also have the same access to emergency and urgent care as described above. Please refer to the 2018 Certificate of Coverage online for further details at CGCares.org/Certificate.
Why did the Board of Directors vote to change to an EPO?
Out-of-network care is very costly to cover because we do not hold an agreement with out-of-network providers which allows them to charge as they see fit. Considering that the majority of our members don't utilize out-of-network care and it was increasing costs for everyone, the member-governed Board of Directors decided to end coverage for out-of-network care except in the circumstances outlined above.
What am I responsible for paying for when I use out of network care? Will I get billed by the doctor?
Because CGHC now offers Exclusive Provider Organization (EPO) plan designs for individuals and families, our members do not have out of network benefits except in case of emergencies, urgent care services outside of our service area among others. For more details please review the 2018 Certificate of Coverage. For limited circumstances, we will consider approving out of network care if an in-network provider is not qualified to provide the medically necessary covered service. An in-network provider must submit a referral form for us to review before out of network services can be received.
Small group plans will remain Preferred Provider Organization (PPO) plans. For group plans, the are deductibles and maximum out of pockets (or moops) are two times the in-network rate. Typically, your coinsurance rate is higher out of network.
Because we don't have a contract with out-of-network providers, we have a maximum allowed amount that we will pay toward out-of-network care. If the doctor's charge is higher than our maximum allowed amount, the doctor (or facility) could decide to bill you for the difference. This is called "balance billing." While we can and do prohibit balance billing from occurring with our in-network providers, we cannot stop it from happening if you use an out of network provider.
Please know that in a true emergency situation, we will pay for emergency care at the maximum allowed amount and it will be applied to your in-network copays, deductibles, coinsurance and MOOP if applicable. Once again, you should be aware that you may be balanced billed for out-of-network emergency services.
Click here to learn more about how to keep your out-of-pocket healthcare costs down.
How do I submit my health care claims?
Typically, healthcare providers, including pharmacies, will submit medical and pharmacy claims to Common Ground Healthcare Cooperative on your behalf. If a claim is not submitted by your provider, we have no way of knowing that you received services.
If for some reason your provider fails to submit claims for you, please submit an itemized bill and receipt within 90 days of the last day on which you received services. No payment will be made on any claim that we receive more than one year after the last day on which you received services. Claims should be itemized and state the provider of the service, diagnosis, date of service, services provided, and amount charged for the services. If you have questions, please contact us at 877.514.2442.
For pharmacy claims, please click here and complete our pharmacy claim form.
For medical claims, if you are an individual or small group member and enrolled in one of our Envision plans, please send your itemized bill and receipt to:
Common Ground Healthcare Cooperative, Attn: Claims
PO Box 1630
Brookfield, WI 53008-1630
If you are enrolled in one of our Empower (Trilogy) small group plans, Submit Claims to:
CGHC Claims
PO Box 1171
Milwaukee, WI 53201
How do I appeal a denial, or get an exception to obtain a medication not on the formulary?
If you have questions about any decision we make regarding coverage of medical or pharmacy treatment, you can call us at 877.514.2442. If you do not agree with any part of the decision we made on your claim, you can file an appeal within 180 days, but not later than 3 years from the date found on this notification. Appeals must be sent to Common Ground Healthcare Cooperative ("CGHC") Member Appeals and Grievances, P.O. Box 1630, Brookfield, WI 53008-1630. Your complaint will be reviewed by the Common Ground Healthcare Cooperative Grievance Committee and a decision will be issued within 30 days of receipt of your appeal, unless additional time is requested. You have the right to attend the Committee meeting by telephone, in person, or you may send an authorized representative in your place. You should provide all information you want considered with your appeal. Complete details regarding filing an appeal can be found in your Certificate of Coverage/policy.
Pharmacy or medication denials are subject to similar appeal steps and rights described on these pages. Members can submit this type of appeal to: OptumRx, Prior Authorization Department, PO Box 5252, Lisle, IL 60532. This same procedure applies to requests for exceptions to gain access to medications not listed on our formulary. Or, you can call OptumRx at 855.577.6545.
You have the right to pursue an independent external review if the denial of your claim is based on medical judgment (for example, medical necessity, experimental and investigational treatment, and appropriateness of health care setting). In most cases, you must go through CGHC's internal grievance procedure first and you must file for the review with 4 months after the date you receive the CGHC decision. External reviews are conducted by the federal Department of Health and Human Services ("HHS") through the MAXIMUS Federal Services process. Requests for review must be made in writing to: HHS Federal Review Request, MAXIMUS Federal Services, 3750 Monroe Avenue, Suite 705, Pittsford, NY 14534, or fax to 888.866.6190.
You may request an expedited review if you believe the time period for resolving your appeal will result in jeopardizing your health. In urgent situations, the internal review process can be done at the same time as the expedited review process. The expedited process will produce a binding result within 72 hours. To request an expedited review, in addition to the methods listed above, you can also call 888.866.6205.
You may also contact the Wisconsin Office of the Commissioner of Insurance for questions at 608.266.0103/toll free 800.236.8517 or send an email to email@example.com. Complaints can be mailed to the following address: Office of the Commissioner of Insurance, Complaints Department, P.O. Box 7873, Madison, WI 53707-7873. Complaints may be faxed to 608.264.8155.
If your plan is employer-sponsored and governed by ERISA, you may contact the Employee Benefits Security Administration at 866.444.3272 or askebsa.dol.gov. You may file a civil action under section 502(2) of the Employee Retirement Income Security Act (ERISA) once you exhaust the grievance procedure.
How does coordination of benefits work if I have other coverage?
If you or your family members have other insurance coverage that provides benefits that are the same or similar to this plan, we will coordinate your CGHC benefits with your other coverage. Generally, this includes other group insurance coverage and Medicare benefits.
How do I read my Explanation of Benefits (EOB)?
We have developed an entire webpage dedicated to how to read your Explanation of Benefits (EOB). Click here to view the webpage.
Do you ever deny claims retroactively?
It is generally not Common Ground Healthcare Cooperative's practice to deny claims retroactively. There are only a few circumstances in which this could happen:
- You become retroactively eligible for Medicaid or Medicare and request that we retroactively terminate your coverage, or
- The federal Marketplace retroactively terminates your coverage, or
- We discover after payment that you have other coverage that requires coordination of benefits, or
- We discover after payment that your injury is work related and therefore subject to workers' compensation coverage, or
- We discover information that makes you ineligible for CGHC coverage.
To avoid any instance of retroactive denials:
- Provide full and honest answers on your insurance application;
- Notify the marketplace and/or CGHC of any changes in address or other life changes;
- Be sure to document when injuries are work-related;
- Pay your premiums on time;
- Provide documentation to the Marketplace as requested and understand the amount of your advanced premium tax credits;
Military-Student Dependent Form
Full-Time Student Certification Form
Authorization for Release of PHI
Transplant Travel Reimbursement Form


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Non-Boring Online Training for Independent Tax Pros
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We specialize in providing relevant, convenient, NOT BORING online tax courses.
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We are experienced tax professionals ourselves, and we have mapped out every step in the journey of a successful tax professional. This tax professional career map we've built for you, which we call The Pronto Path, is based on studying the careers of over 15,000 tax pros who have used our training system.
Our goal is to help you every step of your path! Whether you're just getting started in taxes, just need your CE, or want to learn new skills as an experienced tax veteran, we have a proven track record of helping our fellow tax pros, and we'd love to help you, too.
Many independent tax pros feel like they are wandering through the wilderness – excited but kinda lost, not sure where they're going. We know how that feels, so we encourage you to explore The Pronto Path to orient yourself.
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drawing polygon diagonals
- To: mathgroup at smc.vnet.net
- Subject: [mg112295] drawing polygon diagonals
- From: MH <matthewhoek at gmail.com>
- Date: Wed, 8 Sep 2010 00:58:30 -0400 (EDT)
Hi, This seems basic but it has me stumped. I'm trying to illustrate the idea of the "handshake problem", where small circles represent people and the lines between the circles represent handshakes. With the code below, I'm able to show (and manipulate) any number of circles, and I'm also able to show the lines between adjacent circles. This just generates a polygon whose vertices are all connected, as it should. But how can I update my code to show the diagonals, too, and not just the sides of the polygon? I'm not sure what to add. Thanks! MH ================= Manipulate[ Graphics[{ { Table[{Black, Thickness[0.005], Line[{{Cos[2 Pi*k/n], Sin[2 Pi*k/n]}, {Cos[2 Pi*(k + 1)/n], Sin[2 Pi*(k + 1)/n]}}]}, {k, 0, n - 1, 1} ] }, { Table[ {Red, PointSize[0.035], Point[{Cos[2 Pi*k/n], Sin[2 Pi*k/n]}]}, {k, 0, n - 1, 1} ] } }, PlotRange -> {{-1.2, 1.2}, {-1.2, 1.2}} ] , {n, 2, 12, 1}]


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Here at Web & Design Boutique we pride ourself s in providing comprehensive and professional yet personalised website services to you. Please see below our team members:
Dieter Riedel
Dieter is the founder and senior technical lead of Web & Design Boutique with more than 18 years experience in the Website Design realm. And with a Website Development Diploma and Bachelor Degree and many projects under his belt he will be your technical implementation partner for all aspects of your project requirements.
He is driven to provide you with tailor-made solutions starting with Corporate Identity to comprehensive e-Commerce solutions and everything that makes your web presence found and stand out.
Manasi Gupta
Manasi has many years of experience as an Office Administrator and Management Assistant, who has joined as Sales and Marketing Manager. She is also running a successful Ayurvedic Massage practise, providing health and nutrition advice and offering organic skin care products from World Organic Ltd. She is very active with her social media marketing and will help to promote Web & Design Boutique services.


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The Nigerian Stock Exchange (NSE) is pleased to announce the commencement of the 13th edition of its annual Essay Competition. The NSE Essay Competition, themed "Building a Sustainable Capital Market", is one of the Exchange's financial literacy and inclusion initiatives aimed at building a financially savvy generation.
Understanding the activities of the Nigerian capital market is important for today's youth. Discuss
The Nigerian Stock Exchange (NSE)
1st Prize
Student: N300,000 worth of shares; N400,000 scholarship fund for university education; Tablet
School: Trophy; Three PCs and a printer
2nd Prize
Student: N200,000 worth of shares; N300,000 scholarship fund for university education; Tablet
School: Trophy; Two PCs and a printer
3rd Prize
Student: N100,000 worth of shares; N200,000 scholarship fund for university education; Tablet
School: Trophy; PC and a printer
3 November, 2014
- Click here to download the 2014 Essay Competition form
- Send your completed entry form/essay via e-mail to firstname.lastname@example.com
- The Competition is open to only students in Senior Secondary Schools
- Entrants must submit essay on the competitions entry form and complete all the mandatory fields.
- The maximum word-counts are 1000 words
- Entries will be disqualified if they fail to meet these requirements
- Entries must be the original work of the writer. This does not rule out input or assistance from others
- Entrants are encouraged to be creative in their response to the topic
- Award-winning entrants are expected to show originality, focus on topic and competent use of English as a written language. This includes correct spelling, a good standard of punctuation and neat presentation
Shoot your queries to email@example.com
This announcement is formatted using Naija Writers' Coach Posting Format. If you republish this on your website, please provide a link to this post.


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Y'all remember Aiden from the 2010 UK X Factor series, right? The dapper young man who chilled spines with his spellbinding rendition of 'Mad World'?
Well here he comes creeping out the gates with his debut single, 'Is This Love', and it's thankfully more current, underground LDN electronica than weeping willow James Morrison. Seriously, thank fuck.
'Is This Love' is the first taste of Aiden's forthcoming album Misty Eye, which arrives in the UK on 13 August. The whole project's spearheaded by London-based Aussie producer Jaz Rogers, who went from styling vanilla hits for Delta Goodrem in the early days, to now delivering cutting-edge electro pop productions for artists like Cat Torres.
What's really exciting and refreshing about Aiden's record is hearing how the tasteful drum and bass/pop direction is pitching him as an artist in his own lane. It's effortlessly cool, it's current, and precisely the kind of good shit you wouldn't expect for your Simon Cowells and Gary Barlows to pick for the kid.
Vocally, he's like a brand new bitch. Gone are the shaky, waify vocals he was rocking on the X Factor and in with a confident falsetto and punchy delivery to complement the spiky electronic beats.
Listen to Aiden Grimshaw's 'Is This Love':
Aiden's debut single 'Is This Love' drops on 3 June and the album Misty Eye follows on 13 August in the UK. The music video for 'Is This Love' was shot sometime last week, so y'all can expect to see that next month I reckon.
Judging by the favourable response to his series mates – One Direction, Rebecca Ferguson and Cher Lloyd – don't be surprised if Aussies get served a slice of this.


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Jim Watt, MBE
Inducted in 2002
Before turning professional in 1968, Jim Watt was a successful amateur boxer. He became the British lightweight champion in 1972 and 1975, and held the European title from 1977 to 1979. After entering the pro ranks, Watt defeated Colombian Alfredo Pitalua in Glasgow in 1979 to become the world lightweight champion. He successfully defended his title four times. However, Watt retired from boxing following the loss of his world lightweight title after being defeated on points by Nicaraguan, Alexis Arguello, at Wembley Stadium in 1981. He won 38 out of 46 professional fights and now works as a boxing commentator.


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Designing State Accountability Systems for Continuous School Improvement: A Call to Action
Over the past 60 years, we as a nation have sought to improve our education system and focus on equity, excellence, school choice, and standards and accountability.[1] Each wave of reform has been led by different...Continue reading
Changing the Role of the State Education Agency (SEA)
Section 9 of 10.
America must be courageous and create a system of accountability that is not punitive but instead is learner centric and focused on continuous improvement. In this system, failure is an opportunity for learning and collaboration. Outside forces do not dictate action....Continue reading
California's Accountability System Shows the Way
Section 8 of 10.
Not long ago, California used test scores as a single measure to identify progress, but policymakers sought to eliminate the state's Academic Performance Index (API) system. When lawmakers adopted a new funding system, the state...Continue reading
Establishing a State Framework for Continuous Improvement Accountability
Section 7 of 10.
Instead of modifying or improving on existing systems, states should take the opportunity under the Every Student Succeeds Act to acknowledge lessons learned, wipe the slate clean and envision a forward-thinking education system...Continue reading
A New Approach to Accountability for a New Era
Section 2 of 10.
It empowers policymakers to take a critical look at all aspects of the school that influence learning by requiring public reporting on outcomes and opportunities to learn for all students, including per-pupil expenditures, access...Continue reading


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See here: http://money.cnn.com/2017/12/21/technology/apple-slows-down-old-iphones/index.html
I have personally noticed this as well as battery drain. These phones are designed to last 2 years (6months+/-). One of the good things about apple phones is that they always give you the latest updates but in these forced updates your phone will no longer operate as well and they are now admitting they do it on purpose. I have some gripes about Android who has similar issues – their issue is that they don't update their phones to the latest browser because you rely on 3rd party companies, like Samsung, to perform the updates. I think your best bet for a phone is the Google Pixel 2 right now. Updates straight from Google and a monster of a phone. I am sticking with Apple for now as I am doing research with biometrics and need the apple watch for a portion of this research.