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text:
Olive: The Police Can Handle Traffic Law Offenders In A Much Better Way
With the increasing cases of careless driving from traffic law offenders, police yesterday vowed to name and shame the culprits.
According to traffic police, 146 cars were captured on camera violating the rules between 1st to 6th August. As a solution, police will release lists of the traffic law offenders with their car number plates with the help of the speed digital gun to monitor the crimes. Perpetrators will have to pay a cash fine of 100,000 shillings.
According to Olive, the police should have revised the plan for tickets given to traffic law abusers to track the offenders instead of name-shaming them.
"This new plan is a bit double standard. The guys proposing to shame people are the same receiving the most bribes in the country. How can they penalize people for offending the laws, yet they similarly do? Traffic reports come out every single year showing them as the most corrupt," Olive explained.
However, according to the law, the solution police devised infringes on people's privacy and may not be applicable.
According to Cole a contributor to the show, the traffic police should have been able to integrate the street monitoring system with the National Identification information, including details of the driving license.
"In countries like China and the UAE, they use smart technology to monitor what takes place on the road. Police officers are not required to be on the roads. This system monitors drivers. When they go above the speed limit, no traffic officer will stop them but send you a text message or an email automatically warning you, and you receive a court sermon or fine," she said.
In his opinion, James Onen, a host of the show thought it would be better if the new regulation was to monitor the actions of public officials in government.
"I wish we could name and shame corrupt officials, wouldn't that be nice?" he asked.
The Fatboy show is hosted by James Onen aka Fatboy, Olive, and Sarah every weekday from 6 am to 10 am on RX Radio.
Download the RX Radio app: Android|iOS
Traffic Laws
Name Shaming

redpajama_set_name: RedPajamaCommonCrawl


I am conducting a test on wasting money on a outdated computer. Plus I want to play bf2 with a slightly faster cpu.
Can someone check and or mod a bios to make sure the computer will see the new cpu?
Currently the m11xr1 has 2 options for cpu, su7300 and su4100.
pic of new cpu robbed from the assembly line.
If you ask me, it looks like your bios already has a microcode which should work (but I'm not the best person to do this sort of check).
Anyway you can actually wait until the CPU is swapped before you need to update the bios. Reason is because if you have the wrong microcode, the notebook should still pass POST, it will just give you a warning.
You can see an example of the problem at http://forum.notebookreview.com/7092089-post1490.html. Solution at http://forum.notebookreview.com/7094893-post1504.html. Confirmation the problem fixed at http://forum.notebookreview.com/7095085-post1506.html.
If notebook doesn't boot with CPU in question & didn't get the Microcode Update error message as illustrated above, BIOS mod with CPU Microcode Update will not fix the problem."
Kizwan is one of the best (if not the best) bios modders online (he is also a member of this forum).
The motherboard is going into the shop today at around 3:30 to have the cpu soldered into place.
Here is a picture of the 2 chips next to each other.
I will update when I get it all put back together and if its running.


This is so far a limited, personal collection but it is a fast-growing one. Keep coming back!
Should there be anything wrong with an entry, please, let me know! I will be glad to correct it.
If you think I have ommitted you in an unjust way, tell me! I will put you in.
3 Apr 2011: Discontinued all links to GoDaddy on this website because he (Bob Parson) kills elephants.
CERT at Carnegie Mellon University. A public research center dealing with internet security.
CIS (Center for Internet Security), an initiative for basic operational security benchmarks.
Computer Security Laboratory at University of California.
W3C consortium. Maintains all the HTML, XHTML, XML, ... formats.
Non-profit organization and a generous source of first-hand information.
Save the Internet. Beware of Big Brother. Join the fight for freedom.
Click-Z. An e-Zine concentrating on search engines.
Dr.Dobb's Portal. A computer-oriented eZine which carries also articles on internet technology.
Net-Ads. e-Zine, development tools and much more!.
WWW Journal. An eZine discontinued in 1997. The site still contains a lot of useful information.
Web Pro News. Good content mixed with advertisememnt.
Blog di Sergio Maistrello che si occupa della "parte abitata della rete".
PC World. Rivista italiana dedicata a tutto quanto gira attorno ai computer.
FOLDOC. Free on-line Dictionary of Computing.
Internet.com. An e-Zine and a Directory.
Open Directory Project. The famous, human-edited dmoz.org directory with 4M entries.
They supply links to a lot of search engines.
Webopedia. Free computer and internet encyclopedia.
Wikipedia. Possibly the best information source.
Basic web page layout & design, A tutorial at Uni Albany.
DOM Document Object Model Level-2 Core Specification.
DevArticles. Mountains of articles oriented to developers.
Google RSS directory. Hundreds of quality links.
Google HTML, XML, ... directory. Hundreds of quality links.
Guide to Computer Training Resources.
High Page Rank sites on Wikipedia.
HTML Help from the Web Design Group.
Manuals for HTML, CSS, etc. On-line site validations!
HTML Charsets. A table edited by Stan Sykora.
HTML Entities and their Glyphs. A table edited by Stan Sykora.
META tags. A well done list.
Net-Ads. e-Zine, articles, development tools and much more!.
O'Reilly's wonderful collection of What is ... articles at XML.com.
Articles, a PHP tutorial, and a free PHP Book by Paul Hudson.
RSS for Dummies by S.Sykora and E.Bonardi. Become operative in 15 minutes!
RSS at Harvard Law. A nice resource.
RSS: What is it. A really nice introduction.
Security articles at Window Security. A huge collection.
Security articles at Matt's Web Worlds. A huge collection - and not just Unix.
Shareware Developers. This is not what it seems (shareware is no longer what it used to be).
The site now carries articles on hundreds of topics. Look up the web and internet categories.
Site Reference. Accent on search engine position and marketing.
Style Sheets. Collection of articles on cascading style sheets.
Tutorials by Olfa Nasraoui (Uni Luisville). Articles about Web mining and WWW personalization.
W3C MathML. Official home of the Math markup language.
W3C Schools. Complete web building tutorials. Start from here. It is ALL FREE.
W3C Tips. Important up-to-date information. Part of the W3C Quality Assurance site.
W3Schools. Highly recommended self-learning website!
What is ASP. An introduction with examples.
Posizionamento Web. Guida al posizionamento nei motori di ricerca.
Internet Explorer IE7 downloads (XP, beta 3).
Internet Explorer IE7 download italiano (XP, beta 3).
Internet Explorer IE7; international sites.
Internet Explorer IE6 downloads, versione italiana.
Firefox from Mozilla, version 1.5.
Firefox for all systems (Windows, Linus, Mac) and languages.
OmniWeb 5 for Mac OS X.
Opera 9.00 for Windows. English and international versions. Also Opera Mini and Mobile.
Opera for all operating systems.
A9 is an amazon.com company.
All the Web says find it all.
AltaVista. Relies on Yahoo but has a bit different preferences.
Ask now merged with Teoma. Ranking 5th.
Clusty This is much more than just a search tool.
DMOZ Open Directory Project. The largest human-edited directory.
eMvoy, a search engine built exclusively for US manufacturers and industry.
Galaxy, a large directory and search engine.
GigaBlast is among the majors. Created by Matt Wells.
Intute. Great for Science, Technology, Arts, ... Very serious.
Look Smart offers tree-like vertical searches.
Lycos. I like this one.
Metacrawler. This one crawls them ALL.
MSN search on MSN. Ranking 3rd.
One Look is very good.
Open Directory Project (DMOZ). A huge human-edited directory.
Scirus is dedicated only to sites with scientific information.
SciSeek is a science-oriented engine with many categories.
Teoma now merged with Ask.
Web Crawler. Combines several engines.
WiseNut is one of the majors.
Yahoo. See also dir.yahoo.com. Ranking 2nd.
Eudora is one of the oldest.
Thunderbird download from the Mozilla site.
Blogger. A good place for starting a blog.
Bloglines. All about blogging (with support).
FotoPic. A good place where to keep your photos.
WordPress, a free publishing platform with a focus on usability.
Free Country. A most valuable server of free tools for developers.
Web Page Counter from TomaWeb. Freeware.
Xoom. A large portal for developers and webmasters. Lots of free stuff.
Amaya W3C open-source editor and browser.
Coffee Cup web design software.
Cold Fusion MX7 editor package.
First Page. 1stPage and FirstPage 2006.
Home Site version 5.5. Lean, code-only editor.
NVU Free, open source, editor for Windows, Mac and Linux.
Yahoo directory of HTML editors.
AboutUs. Wiki-like guide to websites. Very useful for plain folks and spies.
ARIN. American Registry for Internet Numbers.
Colocation America. Colocation, dedicated server, hosting, bandwidth, iptv, voip.
Free Country. A valuable directory of free resources for webmasters.
Public Domain Registry. Domains, hosting, whois, etc.
RIPE (Réseau IP Européen). European Network Coordination Centre.
RSS validation, official on-line validation tool for your RSS feed files.
NIC: Registrar ufficiale per Italia. Per trovare i dati di un sito, vai a Database/WHOIS.
Register.it offre domini e hosting a 35 euro/anno. Ottima qualità.
About search engines ... A lot of very useful info and tools.
DMOZ. The human-edited Open Directory Project. To get listed here is worth a lot.
Google Webmaster Help Center. General guide + articles on how Google uses sitemaps.
Registered (or would-be registered) webmasters, start here.
I need hits. Submitting to search engines, site statistics, uses of meta tags and other goodies.
Link popularity. Not much beyond the link:www.mysite.ext service of most search engines.
Ranks.NL. Website promotion; search engines optimization toolkit.
ROR sitemaps site (has also an on-line sitemap generator).
Scrub the Web. Limited free submitting for non-members. Many tools (e.g., free keywords checks).
Search Engines. Lots of good info about the relation between links and SE rankings.
Search Engine Watch. An e-Zine dedicated to search engines.
Site maps generator. Free on-line version (<500 pages) and commercial pro stuff.
Site Reference. Forum on search engine position and marketing.
Submit Centre. Site-submitting and tools. Free on-line submit to 20 search engines.
Web robots pages, directories and info.
Websquash Technologies. Submitting to search engines, site analysis, etc.
WordTracker. Keywords analysis. Limited free on-line trials available.
Who links to me online service.
eXTReMe Tracking looks quite good.
StatCounter. A free yet reliable invisible web tracker.
CERT list of security information sources.
File Recovery freeware from SoftPerfect. Supports all file systems.
GeoTrust SSL certificates (256 bits) etc.
GRC. Data recovery & security. Lots of free/low cost tools.
Internet Security Systems, Inc. This is for large enterprises and institutions.
LavaSoft Firewalls, Anti-Adware, ... free anti-spyware.
MIT Kerberos. Home page of free network authentication protocol and software.
Norton, the Symantek antivirus software.
Personal Firewall freeware utility from SoftPerfect..
Spybot. Very good free anti-spyware.
VeriSign. Web security and encryption. Lots of info.
Virus Central. Doug Muth's Anti-Virus Resources.
P3P Platform for Privacy Preferences (P3P) Project of the W3C commission.
All Web Free. Un po' di tutto. Clicca Web master o Internet. Utility: link-popularity ed altre.
Garante di Privacy. Esempio pratico di come impostare il trattamento di privacy del sito.
Web Solutions. Domini a basso costo, hosting, etc.
All about Affiliates. Information resources about affiliate marketing.
AdBrite. Advertizer / publisher programs.
AdEngage. Advertizer / publisher programs.
Chitika. Pay-per-click (PPC) and similar schemes.
for publishers (AdSense) and advertizers (AdWords). Click Advertizing Programs.
Look Smart has advertisers and publishers programs.
MSN AdCenter for advertizers (launched in France and USA, publishers are in beta phase).
Net-Ads. e-Zine, development tools and much more! See the Promotion category.
Top Affiliate. Large affiliate programs Directory.
Yahoo! Search Marketing. This is for advertizers.
Yahoo! Publisher Network. This is for publishers (beta).
BT Click&Buy. British, but with multi-national support. End Users must register on their site.
CC Avenue in India (only Indian currency and/or dollars).
CC Bill. Mostly bookings and services.
CC Now. On-line shopping-mall space rent and transaction services (in dollars).
Chronopay. Online merchant account provider based in Netherlands.
Click Bank. On-line shopping-mall services.
Digital Candle. On-line sofware shops and [optional] promotion. No set-up cost.
eBay store (clicca qui per la versione italiana).
iKobo. Money-transfer services rather than on-line shops.
InstaBill. On-line shops for a fixed monthly charge.
Jettis. On-line shops for a fixed monthly charge. Steep set-up charge.
Kagi has teamed up with Microsoft. Nice solutions and all payment types.
Membership Plus. Currently closed for newcomers.
MultiCards. Moneybroker with a set-up charge. Provides an order-page.
NoChex. Moneybroker with a set-up charge and good services.
PayLine. Specializes in phone calls and related services.
PayPal. Moneybroker with many national sites in various Countries. All types of payments!
Process 54. Moneybroker with a set-up charge.
Reg.Net. On-line software sales. Set-up charge.
RegNow. On-line software sales. Set-up charge.
RegSoft. On-line software sales. Set-up charge.
ShareIt. On-line shareware sales. No set-up charge.
StormPay. Moneybroker; a bit like PayPal.
SwReg. On-line shareware sales. No set-up charge.
Transecute. On-line shops. Very large set-up charge.
123 FileConvert. PDF to/from Word converter and a versatile image format converter.
3D Ftp. FTP site-management software.
VisiComMedia. ACE web editors, FTP, etc.
City Desk from Fog Creek is a nice Web-site development and management package.
EverSoft. The FirstPage site, plus lots of stuff.
TheFreeSite. If you want anything on the web for free, start looking up this directory.
Ftp 995. Free, powerful FTP-client software.
GetRight. Software for reliable, interruptable downloading.
GRC. Data recovery and security. Lots of free/low-cost tools.
jAlbum, to create photo albums on the Web.
Java, the official site. Free download and verification.
Java test of your currently installed java virtual machine. On-line.
Labtam. The ProFTP software package.
Macromedia. ColdFusion, JRun, Dreamweaver, Fireworks,etc.
PDF Online converts documents of nearly any format to PDF. Good and free.
Ranks.NL. Search engines optimization toolkit.
Site maps generator. Also free on-line version.
SoftPerfect has several very useful low-cost/free LAN and Web utilities.
Submit Centre. Site-submitting service + tools.
Websquash Technologies. Software for submitting to search engines, site analysis, etc.


Certified Medical Assistants provide direct patient care activities under the supervision of the licensed physician, surgeon or podiatrist in a variety of settings and capacities. The medical assistant assumes a leadership role as a medical professional.
Most medical assistant's work directly with doctors and nurses to promote and maintain health for patients across the life span. The medical assistant is responsible for maintaining patient advocacy while maintaining accountability to the profession and the consumer. Medical Assistants may perform injections, medication administration, perform vital signs, schedule patients for examinations, perform front office duties as well as assist the doctor in minor surgical procedures.
The medical assistant can work in a variety of settings including physicians' and surgeons' offices, podiatrists offices, urgent care centers, correctional facilities, general hospitals, primary care clinics, health care clinic, health care provider registries, specialty clinics, volunteer health organizations, health maintenance organizations and ambulatory care clinics.
Generally, the medical assistant performs patient care activities directly with the doctor or assists with front office work, or a combination of both.
Medical Assistants enjoy many benefits including workers' compensation, medical and dental insurance and retirement plans depending on the employer. The starting pay for Medical Assistants varies, depending on the amount of experience and the specific area of employment.
Abrams College School of Medical Education offers a 14 week part time program leading to the Certificate of Completion for the Certified Medical Assistant.
The focus of the program is to confer certification to qualified applicants to provide technical and supportive services for patients in any health care setting.
The core training revolves around a three-tiered approach to medical education. First the student is prepared in the basic sciences such as anatomy, physiology, pathophysiology, basic chemistry, ethics, and office procedure.
Second, the student is provided with a theoretical framework of medical applications. The third portion of the training consists of the internship and practice. This phase of instruction is comprised of supervised clinical practice in which the student participates in the application of learned skills in the clinical setting.
Graduates are provided with Medical Assistant Certification, a certificate of internship and CPR Certification.
The medical assistant program runs for 14 consecutive weeks. Students are required to attend 2 classes per week, consisting of 4.5 hours of lecture per class. During the last seven weeks, students are required to attend required clinical internship training. This will be scheduled by the clinical coordinator.


User testing is the key to an effective web presence. Find out out how your stakeholders and intended audience relate to your website and what can be done to improve their experience.
User testing can make the difference between a website that is treading water and one that really succeeds. It's a highly effective tool for ensuring users get a great impression of your organisation and find what they need with ease.
Lisa is expert in generating simple and effective user testing ideas that get concrete, practical results and generate key insights into your stakeholders. To get these insights working for your organisation, contact us.


140 pages. 6" x 9". Black & White, exceptionally well-illustrated throughout with excellent photography of all parts. Very clear and highly detailed photographs. Includes parts numbers and descriptions. Very rare Buick document.


Posted 2006-08-02 ; filed under Learning.
I must insist that Maths is a highly creative subject that I find involves both the left and right brain (build your castle in the air then knock it down with logical objections, then re-build it to survive the objection, repeat). I, like many maths people, also find that movement is essential: I have to walk to do Maths, others sing, and some have to dance. Google Jacques Hadamard for more on the psychology of mathematical invention.
I don't believe that Sir Ken's presentation is anti-maths. The main point I took from it is that our education systems don't encourage creativity. There is creativity in mathematics, but often it is not evident in the classroom.
What I like is about Sir Ken's speech is its rhythm. Somehow the serious bits seem more serious, rightly so, because of the humour he intersperses.
What I've done is convert it to tiny mp4 so I can play it on my phone (an SE k750i) to anybody. We have an obligation to disseminate such views to people who aren't blogliterate.
Brilliant speech. (Keith, I don't know why you think it was anti-math — it was clearly anti-math-and-language-at-the-expense-of-all-else). Can't wait for more from Sir Ken.


text:
E192- Brian Harrison from SAVVI Financial
Podcasts » Money » Making Money » Investing » E192- Brian Harrison from SAVVI Financial
Brian Harrison has two decades of financial services experience as a financial advisor, leader and division head. Brian serves and the President and Head of Consumer Product for SAVVI helping to grow and develop the platform. A native of the Boston area, Brian holds degrees from Middlebury College and the MIT Sloan School of Management and the CFP®,CLU®, ChFC®, CLTC designations. Brian also once served as the lead singer of the 80s cover band the Reaganomics.
Welcome to Episode 192 Savvi Financial. Hey, money clan a very warm welcome to the Chain of Wealth podcast. I'm your host Denis O'Brien.
So Katie, so happy that we could have Brian on from Savvi Financial they're currently sponsoring the podcast.
Yeah, it was actually really nice to get to talk to him because it really put a voice to the product.
Yeah, for sure. And Kate, something I really like about this company's mission and why they have been such a great partner with Chain of Wealth is we have the same shared vision of helping people to understand their money problems. And that really strikes home for me.
Yeah, so if you guys haven't already, don't forget to join our Facebook community. You can head on over to chainofwealth.com/group and come and say hi. Alright Kate, you ready to dive right in.
Fantastic. Let's do it.
Voice Over [1:32]
Welcome to chain of wealth. here's your host, Denis inspiring you to begin your journey of financial freedom.
Brian Harrison has two decades of financial services experience as a financial advisor, leader, and division head. Brian is the president and head of consumer product for Savvi helping to grow and develop the platform. A Native of the Boston area. Brian holds degrees from Middlebury College and the MIT Sloan School of Management, and the CFP CLU CHFC and CLTC designations. Welcome Brian.
Hey Brian.
Brian Harrison [2:17]
Great to be here. Thanks for having me.
Yeah, of course. We're glad you're here. So when we were digging around and doing a little research about you, we noticed something a bit. That caught us off guard.
Okay. I usually tell people to stay off the internet. There are a lot of Brian Harrison's out there.
So are you going to admit to being the lead singer of a band?
I was the lead singer of a band. And I will say that being in the advisory business for so long, I'm licensed and registered. And I will say that by far that was my favorite disclosure that if you went into the FINRA website and looked me up on broker check, you'd see lead singer, rock band, non investment related. I don't know if anyone checked me that thoroughly. But no, it was a labour of love but needless to say, did not pay the bills like helping people with their money did but yes, now I can. I can confirm the rumors that you know, during the week I had my my suit and my tie and my yellow pad. And then on the weekend I put product in the hair and you know, dressed up like it was 1984. And, you know, liveed my dream. But yeah, so the rumors are true. It does not affect my ability to help lead Savvi and help people to make smart decisions through our tool. But Yep, yep. It is true.
That is really cool.
I love that, for the fact that my brother is in the finance world. And Denis is also like a financial professional and everything and picturing either one of them doing anything that I'm going to say like fun and exciting. I can't even imagine somebody like that. Being a lead singer of a rock band. So
Brian Harrison [4:8]
Well, I will tell you, I'll tell you one quick story before we jump in. I, we used to do weddings. So yes, I was the Wedding Singer, right. So we're walking off the stage at a at a wedding in Boston, where we're based and this guy stops me. He's like, Hey, man, you're great. I'm like, Thank you said but you know, you don't look like a rock star who like Oh, thanks. He's like, you look like an accountant. And I thought well, close. You know, not quite an accountant. But I just look like one and yeah, during the week this is I couldn't fake Rockstar enough the week of you know, working in this business had stuck to me. So yeah no, looks like an accountant. Worked with people's money. And yes, to get to rock out over the weekend.
That's really cool.
You know, everybody has to have their side hustle.
They do they too much more fun than driving, driving Uber.
Yeah definitely.
I sang along with the radio in Uber, I'd get one star every time. So you know, this was this was definitely, definitely a good move for me.
So Brian Savvi has sponsored a few episodes on Chain of Wealth. So firstly, thank you for that. But today, we wanted to have you on the show to chat a little bit about something that Savvi does really well. And that's budgeting. So
I know, this is sort of a big topic area and Savvi and Savvi helps people really realize their goals. So why would you say that a budget is such a critical thing to sort of start setting up?
Well, the first thing when I think about budget is people start to cringe. Like, you know, budget means eating your vegetables, right? And I know with knowing your story, and what you're able to achieve, you know, it's tough to take that first step to say, Okay, I have to even just the word budget, the association with it is like, Oh, no, this is a client said to me once does this mean I can't go out for pizza on Friday nights anymore. So, but it's critical. And so when we think of the really the mission of Savvi, you know, Savvi is not just about eating your vegetables, when it comes to your finances, it's about helping you achieve what you want to in life. So when we think of budgeting, it's not about you know, you can only have three lattes this week, instead of four. It's really about getting a handle on where your financial life is day to day, week to week, month to month, as the baseline for where you can plan. And in our tool, it's really a organized function where we bring your accounts together. But I think just as a philosophy, and I think that budgeting sometimes gets a bad name, because it's punitive by its notion. But, you know, budgeting is just really about setting the groundwork to do the exciting stuff. And you know, budget can be about the fun things, it can be about the vacations it can be about saving for new homes, and, and finally paying off those student loans. Not just about, you know, too many lattes in a week, which you know, think we're all guilty of. So, you know, I think it's it's critical for Savvi, because, you know, before we start planning about college education and the retirement, it's really got to be about Okay, well, let's day to day, week to week, where's my money going?
I love that you address the fact that when people think about a budget, it's usually with a negative connotation. We've talked to a lot of people who when they say they talk about a budget, or they bring it up with people, it's immediately perceived as negative. And it shouldn't be because it's helping getting your life in order to be able to do those exciting things, like you said.
Yeah, I would agree. I mean, I we look at it with Savvi, and the first exercise we have people do is to organize all their accounts. And that can actually be a positive experience. Because when you start to see it's like, oh, you know, I I have this much in my 401k. And I, you know, I do have this savings. And you know, even where you're spending it can be that wake up call. Right? Okay. Wow, I had no idea was spending so much on clothing. But it does build up a sign, right? It's about Okay, now that I know all this. Now I can take action. But yeah, it doesn't have to be punishment. For sure.
Yeah, I also think that if you are budgeting, you know, like, one of the best things you can do, if you haven't budgeted before, is just turn it on. And then just go go about your life, like forget about it, like, turn it on, and have a month's worth of data and after that month and then come back and reassess and say, Okay, well, I brought home x, where did it go? Why did it go there? And
You know like it sort of puts you in a position of empowerment, instead of actually a position of restriction saying, Oh, well, I shouldn't have four lattes, I should only have three this week. Because knowing where your money is going, really is the key to actually building up wealth over a long period of time. And it also puts you in a position where, you know, you're cognizant of what your money is doing for you.
Without a doubt. And I think, when we think of budgeting, and even the way that we approach, just general spending, within Savvi general spending is the sort of catch all for where your money goes. And we're actually in maybe this is, you know, some people want you to get down to the micro management level of your budget, you know, months and weeks and days are going to are going to vary, right? You know, you're going to have one month where maybe you do go out a few more times in another month where you hunker down and eat a little more ramen, and mac and cheese. But, you know, overall, it has an impact. And I think for those who don't understand the importance of a budget or having a plan, when you're just completely burying your head in the sand, that's when real problems and you wake up a year later and think, oh, my goodness, how did I get into $20,000 of credit card debt? And how did I end up with, you know, no savings at the end of the year? So yeah, it's critical. So we agree that, that budgeting is critical, but it doesn't have to be difficult.
So I'm curious to know, what your opinion on how critical is budgeting similar to achieving a goal like buying a house?
Brian Harrison [10:11]
Sure, well, you know, with anything, or with any financial planning, it's about trade offs, right? A Savvi, our tool is really built on this is not this idea, but really the process of optimization. So it's not to say, you know, you could have 10 lattes a week. But is it worth that trade off of not buying a house until, you know, a year later? It's like, no, like, I'll, I'll make my own coffee, because I really want to buy that new home, I need to have that down payment saved. So, you know, is you know, with anything in planning, it's so tied together. And when we look at it, and we see the complexity of how people think of a budget in a vacuum, okay, well, what's my monthly budget, what comes in in the beginning of the week, and what goes out or beginning of the month, end of the month. But it's so interrelated, because even the small choices you make in your budget, they might mean buying that new home, or having to wait another six months. So when you ask the question, it's not really an either or because I think when we look at it, we see wow, you know, everything is so interrelated. So the choices I make with my budget, yeah, they're, they're going to affect my long term goals. Sometimes profoundly. And it's hard to think of when it's just that those day to day month to month choices, but they can add up and make a big difference.
Yeah, it's, it's actually crazy. So Kate, and I were in a very different position to where we were two years ago, you know, we we had a ton of debt,
Hold on, hold on, we did not. Denis had none. And I had enough for like five people.
Right. But we sort of knuckled down together. And, you know, we tried to take on this debt. And really, through leaps and bounds and blood, sweat, and tears, we managed to pay off all of Kate's debt, within two year period, I covered a lot of the fixed costs, and she was just making these straight payments to debt just to try and get rid of everything. But you know, like, going back to budgeting and how my points is relevant is I logged on to Savvi and I was like alright, well, I'll next thing is we want to buy a house, you know, and we want to save up for down payment, and, you know, Savvi pop in all my information. And it then asked me what my goals were and what I was looking to achieve. And I was like, Oh, well, I want to save for a down payment on the house, this is a perfect cuz this is exactly where I'm at. And I put in my information. And I said how much I want to spend on the house. And it popped out that it didn't say to me, oh, you need to spend this much money and save this and whatever else. It sort of said to me, you know, like you're on track, you're doing the right thing, keep going, how you're going, and you will be able to buy a house, by the time you want to buy a house.
It was very reassuring,
It was a very empowering feeling. Because, you know, like, we talk about budgeting how you know, people think it's so restrictive. But on the flip side, if you actually, like aware of what your money is doing and how it's working for you, it can do the complete opposite, I can give you so much control of what you're doing.
Right. And you know, it's interesting, you mention control, because like our mission, when we built this tool, was about giving people control over their money, clarity, confidence, control the three C's as we call them around our office. And yeah, I mean, it just to know that, okay, you know, I'm on track. And sometimes with Savvi, you know, we might come back and say, you know, you're only, we only have 80% confidence you're on track. But here's some of the changes that you can make, and things you can shift to get on track. And yet even something like a home purchase. And when we think of how many people will approach buying a home, they'll go on the internet, they may find a calculator and think, Okay, well, here's what I have to save. And here's, you know, here's the typical interest rate I might pay. And here's what a house in my area costs. And you can be an expert on the home purchase, but how does it all fit together? Right? Because that home purchase is going to affect every other aspect of your financial life. So if you've, you've got student debt, or a car payment, or you need to pay for insurance expenses, because you have dependence, you know, you can't plan for these things in a vacuum. And so when you can throw it all in there, and then come back, and we can say, yeah, Katie, hey, Denis, like, you can do this, and you can do it on your timeframe. Keep doing what you're doing. Yeah, I mean, it's it is really confidence inspiring, because financial planning should not be drudgery, right? I mean, people would rather plan a vacation they rather plan for, you know, we'd rather keep up with the Kardashians, then sit down and worry about our money. But if it can be empowering, then more and more folks might say, you know, and I'm going to take minutes and work with Savvi or another tool like it and get on track.
Well, just from like the couple of exercises that me and Den have gone through looking at Savvi and everything we really believe in what you guys are doing. And giving people an objective view on their finances is so important. Would you like to give a 30 second elevator pitch for Savvi?
Sure. So Savvi is really about giving it I said it earlier, this is about taking control of your financial future. Within minutes in the mission behind Savvi was to democratize financial planning. So if we think of most financial advice, what you have to do, you have to have a lot of assets, right? If I show up at a typical financial advisors door, and I was one, so I understand. And I'm just saving for a house and I don't have this massive Asset Management account. Well, you know, I'm not an ideal client. So I might not be able to get the comprehensive, high quality advice that I need. And I'm sort of out there on my own. So Savvi was built by a whole bunch of really smart MIT trained data scientists to be able to give really anybody the ability to get that same actionable financial advice, that was typically only reserved for the rich to really anybody whether you're 25 years old, and you've got student debt, but you're trying to get on track, and you just got your first job to goodness, I'm 55, when can I retire? And how does this all fit together? And Where should I put my money? So you know, what's really exciting, and why I love Savvi is that it is personal. This is not just cookie cutter planning, it's not an article that's going to tell you hey, it's a good idea to fund a Roth IRA. If a Roth works for you. It'll say that a Roth works. If it doesn't, it doesn't. It's actionable. So a lot of people are like, Okay, great, what do I do, and we get down literally to the dollar of the actions that you need to take whether it's saving for that home paying off that debt, and or funding college retiring on time. And so it's ultimately goal driven. So the three steps I'm going more than the 30 seconds because I get excited about this stuff.
Thankfully, this is not like a presidential debate where you, you cut me off or you give me the red light.
No, I enjoy. I'm enjoying your your long pitch.
Brian Harrison [17:7]
Okay, all right, good. Good. There's no Gong here.
No. It's a tall building. So you have time.
Good, good, good. Okay, excellent. And really, just with the three part, our tool is designed around organizing your financial life, we help you aggregate all your accounts as similar to like a mint.com. And then helping you understand. So where's my money going? Where is my general spending going? How much goes to healthcare how much goes to retirement? And then planning? And okay, great. How do I do this stuff? How do I buy the home? How do I retire? When can I retire? Where should I put my money. And we actually have users that sometimes will just like, spend some time in the organize function because like, Okay, I'm not ready to plan it, I just need to get my stuff organized. And so each step of the process is designed to really, you know, move you toward where you need to be financially, so. So yeah, that's far more than 30 seconds. But really, our mission is to really just give high quality advice to anybody who wants it. And we have a free tool, so that it's advertiser supported. So anybody can use savvy without paying for it. And then if you love it, we hope you upgrade to the premium version. But we've seen really, really great response both from direct consumers and also through we partner with employers and make this an employee benefit. So we've had a number of employers make this available to their entire workforce, and give them something to help them to be less stressed about their money.
I love that. And I also love the fact that in short, you basically said, like, you need to be able to get your ducks in a row before you can take them anywhere.
So you know, the other thing that we see in the financial space, in particular, because we work with a lot of employers, so they'll bring us in as a financial wellness benefit. And people if you think about when they enroll for their benefits at work, it's like oh, my goodness, I have to make a health plan decision and a retirement plan decision. And it's so overwhelming. So something like Savvi kind of brings it all together. Okay like this is all about you and your money and like making smart decisions. And it helps inform them because just retirement on its own can be so daunting. And then it affects all this other stuff in your life. Because if I put all my money into my 401k, it's like, oh, my goodness, I don't have enough for my car payment, what do they do? Quick drop the amount. You know, that's no fun to trial and error your way through through your financial day to day.
Yeah, totally agree. So like pivoting on that last point, you really spoke about how you know, like, sometimes you're confused as to what you should be doing. So my question for you is, how do you learn how to manage multiple money goals at the same time? And really what I'm asking is, what's the best way to know how to prioritize your money.
It's great. And you know, it's really at the core of what our tool does. And so when you think about most people, even if you're not of tremendous financial means you have multiple goals. And so you may want to buy a home, but of course, someday you want to retire. And you may have really small kids, and you know, college seems so far away. But okay, I have to I know I have to do something for that, too. And so you know, it's real ba real balance in some things like life insurance, like our tool tells people how much they need for term life insurance. And it's like, that's also something that a lot of consumers will forget about, because of the time they think about all right, I need insurance. It's like oh deal with that. So priorities are key. So So our tool will certainly do that. I mean, we really are about an optimization model where you tell us what's important to you. And we come up with really the optimal result. And if you think about how complex it is, we're dealing with investment returns in tax rules, right? Because it's going to matter if I fund a 401k or a Roth. And what college savings plan I use. So priorities are key, and then like, Okay, great. Now I have my priorities, the home purchases first. And I know I have to worry about retirement too. But then it's okay. Well, what I save into, and it's interesting, some some of our users get really surprised when they get advice from us, because we use some resources that they may not have known they could use for something like a home purchase, like one of their qualified plans that has the ability to be accessed for a home purchase. And it's like, oh, my goodness, you know, you're showing me that I can take, you know, x thousand out of my, my Roth, I didn't even know I could do that. And oh, my goodness, now I could buy that home six months earlier. Right? So priorities are key, our tool certainly does that. It's really what our team sits around and make sure we get right, because there are, they're actually not to get too nerdy about it. But there are actually multiple optimal outcomes. Through you know, these millions of different scenarios, and it's really aligning with what you tell us is important to you.
I feel like it's sort of like the butterfly effect.
It is a little scary like that. Now, there it is, it is finite, because we do have to crunch all the numbers eventually just, it's not perfect, but it is optimal. And it's it's built on this robust optimization, where we literally crunch all these different potential outcomes and iterations and build in, you know, we assume market returns will be and give you advice from it. And, and I think of, you know, I loved helping people across kitchen table across the conference table is a financial advisor. And, you know, we certainly use software, but I think of the sophistication that we have today with the computing power we have it's, I mean, a lot of these decisions just used to be a calculator and a legal pad. And now, you know, within minutes, we can crunch you know, all these different potential outcomes to come back with. Okay, Den is okay Katie, here's, here's what you need to do. So it is it is pretty amazing what we're able to what computing power, and some some smart mathematicians Can, can put together.
Definitely is. Money Clan we're just going to take a quick break, and then we'll dive right back into the value link round. Money Clan, this whole episode has been about Savvi Financial, and they are today's sponsor, as well. Savvi Financial is a fantastic product that gives you a holistic view of your money, you login, you sign up with all your accounts and Savvi Financial does the rest, you plug in your goal that's applicable to you. So maybe whether you're buying a house, maybe you're trying to pay off debt, whatever it is that you're trying to achieve, you set your goal, and the system gives you an objective view of how to achieve it. Savvi Financial was developed by a team of MIT trained data scientists. It offers world class financial advice on retirement, refinancing, student debt, life insurance, and so much more. The base subscription is free. So it's definitely a fantastic offer that you guys should claim. If you'd like to claim the free offer, head on over to chainofwealth.com/savvi, that's SAVVI chainofwealth.com/savvi, start using Savvi Financial and stop paying a human advisor thousands of dollars, always countless time struggling to build a plan. Savvi makes it easy and fast.
Okay, Brian. So I'm curious to know what your retirement plan is looking like this purposefully, because when you are new to saving in retirement, you don't really know where to start. So copying somebody I think is usually the best way to go.
Sure, sure. So I was fortunate enough to get into this business at the ripe old age of 21 years old, my poor, poor clients who I was sitting across from I look to 16. And they still trusted me to give them advice. But, you know, I started early. And I think some of the best advice you can give is just you do what you can and particularly with, when your company has a sponsored plan, and you can get free money through matching contributions. It's, it's amazing to me when we talk to employers, how many participants don't participate, and it's like, you know, I'm 23, I want beer money. This is I'll worry about this later. It's like, you are like hamstringing 65 year old you for 23 year old you. And so my retirement plan is you I have my plan on Savvi I am like you in the green and the hundred percent on track. And I think it's really a function of the fact that I was able to do what I could at a very, very young age. And so it's really about, I look, it's where I am today. And in my early 40s. And think like my goodness, you know, this would be so different if I was like some of my other friends and just taking this money and buying a better car or you know, going out more or taking more vacations. So So yes, and my retirement plan is in great shape. It really is just a function of starting early now. I have a funny story of of actually helping my then girlfriend now wife with saving for retirement early as well. So when I was starting on the business, she said, You know, I want to open up an IRA and start saving too. And I was like, Oh, this is great. Now this was in the year 1999. I don't know if you remember what the market did in 99 or 2000. But, you know, there was a lot of excitement around internet stocks. So you know, I was going to give her this very safe, or not safe, but you know, reasonable mutual fund investing in large companies. And she said, You know, I've heard a lot about these, these internet stocks. And these .coms, it's so exciting. And so I basically had my, you know, not in the industry future wife convinced me to, you know, that she wanted this aggressive, aggressive funds that, you know, then proceeded to plummet with the rest of the market in the early 2000s. And then I married into that mutual fund. So, you know, the exciting part was, you know, it's like, it wasn't the first or last time that that woman would convince me to do something. And she was very, very effective. And unfortunately, in that case, it didn't pay off financially, the fund has bounced back. But more importantly, she's she's she's much better at the convincing me to do good things. But even she started early too. So you know, I think it's really about starting early, specially if you're an employer take advantage of those matching contributions in something small today can be huge, huge nest egg tomorrow.
Well, well I takeaway from that is when you were young, you can make a little bit more of a risky investment, because you do have time on your side to build it back.
And risk tolerances istough to to figure out. And so our tool talks about it. And you know, time time being on your side makes a huge difference. You mentioned your home purchase. And if you want to buy that home next year, yeah, we want to be in very conservative principle protected funds. But you know, if you have an appropriate risk tolerance, like Yeah, and it's been interesting to see some of the studies out there that show some Millennials are actually more conservative than older generations. Really interesting to think of what's behind that. But that, my goodness, if you've got 40 or 40 or so years on your side until you need this money that Yeah, probably, you know, probably isn't best suited in money under the mattress. Safe but not giving investment advice here. My my SCC, you know, being SCC registered, our lawyers are probably telling me don't do that over a podcast, but just starting starting early can certainly help. You know, from a risk standpoint.
Yeah, definitely. So do you have a favorite book you county into?
Oh, my goodness, yeah, you know, I am both my wife and I have that bed stand that, you know, it piles up. And you know, it's like, oh, that great book. Interestingly enough, you know, I have really want I love Michael Lewis. And so I finally got down to, I believe one of his latest latest books that I think it was the flash boys book. So I think I've read all the other ones in the flash boys about the the traders, the high frequency traders. So that's, we're about to go on vacation in two days. And that's the the next one on on on my bed stand so so very, very excited for that.
And do you have a favorite quote that you try to live by?
Oh my goodness, favorite quote. This is gonna make my my my colleagues at Savvi really, really disappointed in me. So. But I think from a professional standpoint, I've always lived by the mantra, the perfect is the enemy of the good. So it just made me laugh because I think of the perfection that our engineers in our team six with our tool and they're thinking, Oh, my goodness, Brian, you're so lazy. But, you know, I think it really relates to financial planning, we can we can try for perfection, but just you know, small, small positive steps day by day after day, you know, they make a difference. And you know, sometimes we can stress too much over over the you know, the minutia and and miss the big picture. So even though I'm also an MIT graduate, even though I work with wonderfully precise, data scientists, I'm going to throw that one out there and really make them angry.
Brian we've absolutely loved hanging out with you today. Do have any last parting piece of advice for our listeners. And then we'll say goodbye.
Well, again, it's really a delight to partner with you. And I think what's really exciting is the the work that both of you do the work that we do, it's really just about helping people to improve their financial lives. And I certainly encourage all of you to check us out at savvifi.com, it's Savvi with an I FI .com, our tool that we've been talking about is free, so you can use it. And we really value feedback we are, we're a new company where we are a startup and we're growing rapidly. But we're really there to engage with users and find out what you like and what you don't about the tool. It's okay if you go in and something breaks because that that'll tell us that we need to fix it. But we're just really excited to partner with people who really want to improve their financial situation. And so if you're listening to this, you're probably one of those folks and, and if our tool can help you to be better organized, understand where you are, where you're going, and then plan and get where you want to get to without spending thousands of dollars for a human financial advisor, then, you know, we feel we've achieved our mission. And so I encourage you all to check us out and really delighted to partner with Chain of Wealth to to make that happen.
Awesome, Brian. Well, it's been absolutely wonderful having you on the show. Money clan definitely check out their website. It is savvifi.com and take control of your finances. Check out this offer. It is completely free.
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Overstating the importance of Artificial Intelligence is difficult. When implemented efficiently, AI holds the capacity to boost your billing business tenfold. In many cases, AI is the thing that is scaling the business rather than the physical workforce. The question on many business minds is how does AI change the way business is done?
Coding and billing is a method through which standard codes are established that categorize patient information records and thus dictate the billing towards insurance companies.
The aim is to create a standard billing cost that is determined by the code of the patient record. Unfortunately, this process is facing substantial accuracy challenges.
This could be attributed to insufficient documentation, inefficient execution of procedures.
The coding industry suffers a huge setback due to the nature of their audits, which take place towards the end of the revenue cycle. Therefore, even if errors are recognized, it is too late to rectify them since the cost of rectification is usually higher than the initial damage.
Within the medical coding and billing industry, it was recently reported that billable codes have now crossed a total number of 70,000+ which subsequently increases the need for medical coders at a significant rate.
The medical coding job, when done manually, is complicated and requires a higher amount of workforce since there are only so many accounts every individual can handle efficiently. This is part of the reason that the industry has witnessed several instances of inaccuracies, owed to costly mistakes made while trying to keep up with the ever-increasing new codes that are being established.
The need of the hour is to create an agile process that allows the medical coding and billing process to flow seamlessly.
How a Traditional Medical Billing & Coding Process Flows?
The traditional billing system involves a lot of manual documentation and paperwork. The paper claim is a time-taking process where coders entered each code individually in the printed forms. All the paper forms are then passed on to the medical billing organization and later to the payers.
In a paper-based setup, the average turnaround time from filing a claim to receiving payments is between 5 to 7 weeks whereas in automated medical billing systems can be reduced to 2 weeks.
How Will AI Automation Boost Medical Billing Process?
Today, the ongoing challenge is the coding accuracy. To improve the efficiency and efficacy of the billing and coding process, many healthcare companies are finding ways to simplify manual coding labor with AI applications.
The emerging technology in AI is based on Computer Assisted Coding (CAC) which works on Machine Learning and Natural Language Processing (NLP). The CAC automatically identify and extract data from documents and insert into the system.
The need of the hour is an automated web-based system that analyzes physician documentation for the text/treatment and automatically recognizes relevant medical codes.
Beyond processing codes and high volumes of data, AI can significantly reduce the standard work hours and human error.
What Problems Does Artificial Intelligence Solve?
A natural concern of the popularity of AI applications is the fear, within the industry, that these emerging technologies will shrink the number of jobs available in the medical billing and coding spectrum.
It must be noted, however, that these applications come with the ability to substantially increase the efficiency and speed of human coders to undertake accurate coding but cannot entirely replace human coders. For example, when the coder makes a mistake, the application can immediately point it out with recommendations to rectify the error, and the correction is made as fast as possible. This takes care of the 'too late' issues and increases the speed at which the coder works.
The complex nature of medical billing and coding makes it a constant target of errors and sometimes, these can result in a considerably high loss.
automated systems of AI technologies.
Considering the current growth of this aspect of healthcare and its expected rise in the U.S., a robust system is the need of the hour.
AI automation is that system, which is poised to address all the pain points that the current system is experiencing, such as inaccurate billing instance, etc.
Considering that the rectification of erroneous billing, when done manually, is a lengthy and complicated procedure that can incur further costs, adoption of AI can automatically point out the errors immediately and mitigate those added costs and time consumption.
Medical billing and coding is the essential component of how healthcare is delivered and reported in the U.S. Inaccurate coding is a challenge that needs to be addressed with new technology. OSP Labs is working with health technologists to build impacting solutions for medical coding companies.
Schedule a quick online appointment with our AI specialist to dive deep into intelligence healthcare claim management and see some of our innovative AI projects. We analyze your business, understand your pain points and create an AI roadmap to solve your critical challenges.


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Mavericks vs Grizzlies Picks and Predictions: Mavs Stop Grizz in their Tracks
Memphis is the NBA's hottest team, but it's running into another current heater, and its legs might be getting tired. Someone's going to have to take the Grizz down, and we're backing Dallas with our Mavericks vs. Grizzlies picks.
JD Yonke
Photo By - USA TODAY Sports
Friday night features a matchup between two of the hottest teams in the Association, both hailing out of the Western Conference.
The Grizzlies are winners of 11 straight games but will be in a tough scheduling spot as this marks their fifth game in seven days. The Mavericks had a six-game winning streak snapped Wednesday in New York but have been running red-hot since Christmas.
Will the Grizzlies continue their franchise-best winning streak, or will the Mavericks play spoiler?
Check out our NBA picks and predictions for the Mavericks vs. Grizzlies on Friday, January 14 to find out.
Mavericks vs Grizzlies odds
Odds via the Covers Line, an average comprised of odds from multiple sportsbooks.
Memphis has already taken some money, moving the line from -3 at open to -3.5 and -4 depending on which book you're using. The total opened at 218 but has been bet down to 216.5 at the time of this writing.
Use the live odds widget above to track any future line movements right until tip-off and be sure to check out the full NBA odds before betting to ensure you get the best number.
Mavericks vs Grizzlies predictions
Prediction: Mavericks +4 (-110)
Prediction: Over 216.5 (-110)
Best bet: Mavericks +4 (-110)
Predictions made on 1/14/2022 at 8:00 a.m. ET.
Click on each prediction to jump to the full analysis.
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If you're signing up for a new sportsbook for the 2021-22 NBA season, here are two of the best welcome bonuses available:
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Mavericks vs Grizzlies game info
• Location: FedEx Forum, Memphis, TN
• Date: Friday, January 14, 2022
• Tip-off: 10:00 p.m. ET
• TV: ESPN
Mavericks vs Grizzlies betting preview
Mavericks: Kristaps Porzingis PF (Out), Isaiah Thomas PG (Out), Willie Cauley-Stein C (Out).
Grizzlies: Dillon Brooks SG (Out), Steven Adams C (Out), Killian Tillie PF (Out), Yves Pons SF (Out).
Find our latest NBA injury reports.
Betting trend to know
The Mavericks are 4-0 ATS in their last four games following a loss. Find more NBA betting trends for Mavericks vs. Grizzlies.
Mavericks vs Grizzlies picks and predictions
Our predictions are compiled from the analysis of the spread and total and are indications of where we are leaning for this game.
Our best bet is the play that we like the most for this game, which we would actually put some of our bankroll behind.
Spread analysis
This is undoubtedly a premier matchup to sit back and watch on a Friday night. It's tough to pick between both of these teams, as both have been red-hot in recent weeks. That being said, we see a notable scheduling advantage for the Mavericks that has us looking in their direction.
The Grizzlies are in the midst of a franchise-best 11 game winning streak and have clearly found their groove. Ja Morant has taken the next step in his progression toward superstar status, averaging 27.7 points, 6.3 rebounds, and 6.4 assists in his last 10 games.
For as good as the Grizz have been playing, the Mavericks aren't far behind. Dallas has won six of its last seven games, and they haven't been against cupcakes either. With notable wins over Golden State and Chicago during the recent hot streak, it's evident that the changes Dallas has made have come to fruition. Jalen Brunson has looked excellent in the starting lineup and has gelled nicely with Luka Doncic since the latter returned from injury.
Since Christmas, Memphis sports the second-best net rating in the league. Dallas isn't far behind, with the third-best net rating in that span.
Now that we've established that the current iteration of these teams are more evenly matched than they may first appear on paper, let's examine the scheduling dynamic. This is supposed to be a scheduling loss for the Grizzlies, who will be playing in a back-to-back. It's their fifth game in seven days, and their third game in four days.
Memphis should be exhausted while Dallas should be fresh. The Mavericks have played just once since Sunday, and should be fully focused and making up ground in the Western Conference standings.
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Over/Under analysis
This is a matchup between two teams with contrasting styles. The Grizzlies like to get out in transition and play fast, ranking in the Top 10 in pace over the last two weeks. The offense has been clicking lately, averaging 116.4 points over the last 10 games. Despite the scheduling disadvantage, they should continue to put up points.
The Mavericks, on the other hand, have been playing at a Bottom-5 pace since Christmas. That being said, they appear to have found their shooting stroke from three. After going cold to start the season, Dallas has shot 36% from deep over the last ten games. It's not a coincidence that the Mavericks have averaged 107.9 points per game in that span despite playing at a snail's pace. Luka Doncic and Jalen Brunson have combined in the starting lineup to make this a dangerous offense once again.
We think both teams will be able to score in this matchup. Memphis has been a machine offensively while Dallas has found its footing thanks to the combination of Doncic, Brunson, and the long ball. We'll take the Over.
It hurts to pick against a team on a franchise-best winning streak, but we have to follow the numbers instead of our hearts.
Dallas has been playing better of late and has gone under the radar, while Memphis has garnered publicity thanks to the winning streak. We think this creates value with Dallas. The public should continue to bet the Grizzlies throughout the day, so a better line on Dallas may be had closer to tip-off.
Pick: Mavericks +4 (-110)
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The Office of International Programs supports the university mission by fostering a learning community with an international focus.
We provide assistance to international students studying at ESU and ESU students who wish to study abroad.
Our goal is to help students to lead and succeed in a global society and to promote diversity in the campus community.
Actively promotes internationalization at ESU.
Facilitates international and national exchanges for all students.
Facilitates affiliation agreements with foreign universities and student exchange organizations.
Actively seeks new international initiatives and collaboration with ESU faculty and staff.
For more information about international programs, please contact the office.


Roughly half of all adults in the U.S. have one or more chronic illnesses, with 25 percent suffering from two or more such conditions.
These people navigate a medical system of widely variable quality, an ever-shifting insurance landscape, and real-world considerations like broken cars, broken marriages, and bad jobs that can shape the patient journey as much as the latest medical discoveries.
Can we get any better at treating chronic illness, particularly when those illnesses become life-threatening? We spoke to some experts in the field on ways to make that happen in 2018 and beyond.
Oncology in 2017 resembles the auto industry, circa 1917: great new engines — that, in short order, revealed the need for equally good steering and brakes.
When it comes to cancer treatment, the shiny new engines come in the form of drugs targeted to an individual's genetic profile and immunotherapy.
But a growing number of patients are finding that these drugs can come with their own debilitating side effects, like gastrointestinal distress, autoimmune reactions, and cognitive impairments, among other issues, in some cases derailing treatment.
Will cancer researchers build better safety features for these drugs in 2018?
"I just got back from a panel meeting at the FDA, and they invited me to literally talk with them about the management of diarrhea," said Eric Roeland, an oncologist and palliative care physician and researcher at the University of California, San Diego.
With the FDA turning its attention to these side effects, Roeland said, drug makers and physicians will need to follow suit, funding research in this area alongside funding for new cancer treatment discoveries.
Medical systems are increasingly turning to palliative care specialists, who are experts in complex symptom management. One problem looms, though: There aren't enough of them.
By some measures, there are at least 11,000 fewer palliative specialists than are needed to care for the current set of patients, and possibly as many as 20,000. As medical systems look to push palliative care further "upstream" — into clinics and in patients' homes, before they arrive in hospitals — the shortage will be felt even more keenly.
Dr. Diane Meier, one of the pioneers of palliative medicine and co-founder of the Center to Advance Palliative Care, identified three areas where the industry should concentrate in the coming year to build palliative care capacity.
First, she said, increase funding for graduate medical education training slots for palliative clinicians, to bolster the ranks of specialists. Second, require medical and nursing schools to provide palliative training, or risk losing accreditation. Third, encourage more training for mid-career doctors who want to strengthen their palliative care skills.
One ray of hope: The Palliative Care and Hospice Education and Training Act, which was introduced in March and would require the Department of Health and Human Services to support training and research for these medical specialties, attracted early bipartisan support.
With studies showing that palliative care and hospice care can actually result in longer lifespans than aggressive end-of-life care, clinicians and researchers have pushed to have these services offered earlier in a patient's illness, instead of in the final weeks.
One huge hitch remains: Who will pay for it?
Medicare, which could be targeted for future cuts, pays for most hospice care.
Edo Banach, the chief executive of the National Hospice and Palliative Care Organization, understands the fiscal realities, but sees a path where 2018 could show an expansion of hospice and palliative services: namely, as a way to help health care organizations save money on seriously ill patients.
Banach said that patients who receive supportive services like spiritual care and social work visits tend to spend their last days at home instead of in the intensive care unit, thereby lowering the financial burden on patients and the health care system. Medicare only pays for such services through the so-called "hospice benefit" only when patients are in their final six months, but some insurers are offering their own hospice and palliative care benefits to patients earlier, because it can save money.
Banach cited Blue Cross Blue Shield of California as one of the more aggressive insurers in this respect, and said that as he enters his first full year at the helm of NHPCO, he will work with more private insurers to follow suit, as well as companies that manage insurance on Medicare's behalf.
"There's been so much discussion about care coordination, care management, non-medical supports and services, interdisciplinary care, person-centered care, all these buzzwords have been tossed around for people who have more than six months to live," Banach said.
Thank you for writing this article. As a student who is looking into going into this field and having done my own research, I appreciate how this article acknowledges palliative medicine as a solution to helping with chronic illnesses, not just end of life care.
Of equal importance to frank medical interventions for those with chronic illness is the opportunity to adapt ones' psychological ground to include a sense of having a life worth living.
MAY GRANDFATHER GUIDE YOU WITH A GOOD HEART.


WHAT IS IT? The approximate number of substations within OPPD's electrical system. Substations are the first step for electricity as it travels from a power plant to a customers home. They "step down" the voltage of the electricity to an amount that is suitable for use in customers' homes.
Some consider substations the brain of the system. They can vary in size and have multiple functions.


But as I mentioned yesterday, taking networking from online to in-the-flesh is SO. IMPORTANT. It can solidify a relationship that you've developed online, or lead to new, promising connections. Also? Despite the fact that y'all terrify me so damn much, I love meeting new people and forging new connections. It's just so gratifying to connect with someone who shares my interests… who can act as a sounding board… who I can swap tips and war stories with. And maintaining those relationships can be key in moving a career forward. Remember my post on bringing in new projects without lifting a finger? The bulk of the work that comes to me nowadays is thanks to people I've worked with in the past, or people I BS with on Twitter, or people I've met at this or that networking event, thanks to several large glasses of wine.
I've been reading Networking for People Who Hate Networking, and the book mentions several times that introverts benefit the most from events that combine structure and open time. Which is pretty darn great, because Marian Schembari and I have been masterminding an absolutely EPIC event.
A few months ago, I read a piece over at Lemondrop on IRL Syndrome, and immediately diagnosed myself as a victim of the disability.
I knew of what he wrote. Because, you see, I'm better in writing, too.
It makes the prospect of building my professional network somewhat daunting. And while being an introvert doesn't necessarily have to be a liability (as I'm coming to learn from reading books like Networking for People Who Hate Networking), social interactions don't only drain me of energy. They also terrify me. Which means I have to ease myself in slowly.
Check Me Out on BlogHer!
Hey there y'all! For those of you who are regular readers, you've already read my post on how to bring in new work without lifting a finger. But check it! BlogHer was kind enough to syndicate my blog post!
I Skipped SXSW. Am I An Idiot?
So apparently, just about everyone in my Twitter feed was at South by Southwest (SXSW) this past week, a conference (and seemingly non-stop party) that somehow brings together "music, independent films, and emerging technologies." It's that last that is of greatest interest to me and, as the web developers, bloggers, content producers, and new media entrepreneurs in my feed live-tweeted talks and workshops, party-hopped, and networked, I started to feel that I was totally missing out.
What a week! It started out on a somber note, with an overnight trip down to MD for a cousin's funeral, but quickly turned around, with a job offer, my very first career coaching teleclass, and some exciting new projects. Excitement!


'teen OAK' is a 5km obstacle course challenge for you folk that are not quite 18.
mini OAK is a 2km obstacle course challenge for the smaller folk!
All participants need to be registered by a parent/guardian or as an organiser of a group you need to gain consent from their parent/guardian.
To help organise a group and get the correct permissions please use the downloads above.
If you are 16 or 17 years old you can also take part in the main 10km HaO event but only if you have a chaperone (18 or older) participating also, this a one to one ratio.
For our mini OAK event, as an adult you have the option of jogging along (free) with your 'mini'. If you are doing this you need to register yourself with your minor.
How do I organise / register a group of teens and minis?
Notify the parents / guardians of the event date and start time so they can register their minor(s).
After you have gained parental/guardian consent you can then register your group. Go to our booking page on 'Eventbrite' and click on the green 'tickets' button.
You can then choose either 'individual' or 'team', we recommend choosing team as when you and your minors come to register on the day of the event the Team Captain (you) is the only person who has to register. You will receive an envelope with wristbands for everyone on your team and nobody else has to register. This is optional, you can choose to go to 'individual' and follow the directions.
You can pay for a group all at once, this can be useful if you are using the club/company credit card or as a group organiser if you have collected entry fees and want to register everyone. You can do this by selecting the number of tickets you want, enter your details in the first ticket and then select 'copy data from: ticket one' for every other ticket. This will save you time entering each person's information.


Do they not know that God knows [all] their hidden thoughts and their secret confabulations, and that God knows fully all the things that are beyond the reach of human perception'?
Or do they, perchance, think that We do not hear their hidden thoughts and their secret confabulations?* Yea, indeed, [We do,] and Our heavenly forces* are with them, recording [all].
Do they not know, then, that God is aware of all that they would conceal as well as of all that they bring into the open?
And all human beings that have been doing evil's* would surely, if they possessed all that is on earth, offer it as ransom [on Judgment Day];* and when they see the suffering [that awaits them], they will be unable to express their remorse.* But judgment will be passed on them in all equity; and they will not be wronged.
Oh, verily, they [who are bent on denying the truth of this divine writ] are enshrouding their hearts in order to hide from Him.* Oh, verily, [even] when they cover themselves with their garments [in order not to see or hear],* He knows all that they keep secret as well as all that they bring into the open - for, behold, He has full knowledge of what is in the hearts [of men].
and God knows all that you keep secret as well as all that you bring into the open.
However, be not grieved by the sayings of those [who deny the truth]: verily, We know all that they keep secret as well as all that they bring into the open.


Who cares about the critics when the fans are going wild?
Also due Tuesday: Tim Armstrong, 40 Cal., Battles, Bravery, KRS-One, Used, Kraak & Smaak, H.I.M.
Rockers are done feuding, hope to release new LP in early 2007.
Brooklyn synth-rock group gearing up to shoot video for fourth single.
Band no longer fazed by big crowds.
Ryan Adams, Billy Idol, Digable Planets also among acts added to roster.
Band draws buzz, diverse mosh pits at Irving Plaza and HFStival shows.
Instead, band rides around on powerboats for 'Fearless' video.
The band's buzz continues to grow in wake of SXSW and Josh Homme dis.
Band's unofficial set was the highlight of the four-day musical blitzkrieg.
Band's goal is to make people dance to rock music again.


Build a basic fat loss, muscle building and maintenance meal plan, cardio plan and workout routine.
Be more in touch with yourself and your body and identify how it responds to stress, certain foods, workouts and exercises.
Be energized, motivated, focused and more knowledgeable in all things weight loss and wellness related so that you can make your OWN CHOICES with all the right information on how this all works!!
The key to transforming your entire life, while shedding some major pounds in just 30 days!
A course designed to give YOU the power to make all the RIGHT food, fitness and lifestyle choices to meet the goals YOU set for the REST of your life!!!
WARNING: THIS PROGRAM IS EXTREMELY CHALLENGING!!
THIS IS NOT A DIET – THIS IS EDUCATION, EMPOWERMENT AND SUPPORT TO MAKE A LIFESTYLE CHANGE!
ATTENDANCE TO ALL 10 SESSIONS is MANDATORY.
A supportive learning environment shared with people from all walks of life who are sharing many of the same struggles you are!
Would you like to PRE-REGISTER for the next course?
Would you like to attend online or in person?
I will attend in person. I will attend online.


The typical Synechron Java Developer salary is ₹5,81,015. Java Developer salaries at Synechron can range from ₹3,42,300 - ₹13,95,454. This estimate is based upon 4 Synechron Java Developer salary report(s) provided by employees or estimated based upon statistical methods. When factoring in bonuses and additional compensation, a Java Developer at Synechron can expect to make an average total pay of ₹5,81,015 . See all Java Developer salaries to learn how this stacks up in the market.


When is a house-of-worship install not a house-of-worship install? When the HOW in question is a deconsecrated 14th century gothic cathedral in Leiden, the Netherlands. Repurposed as a community events center, Pieterskerk Leiden still has all the majesty of a massive cathedral, but it also retained all the inherent acoustical challenges, too.
Leiden, the Netherlands (May 5, 2017)—When is a house-of-worship install not a house-of-worship install? When the HOW in question is a deconsecrated 14th century gothic cathedral in Leiden, the Netherlands. Repurposed as a community events center, Pieterskerk Leiden still has all the majesty of a massive cathedral, but it also retained all the inherent acoustical challenges, too.
Situated in the heart of Leiden, about 35 km southwest of Amsterdam, Pieterskerk was built over a period of 180 years beginning in 1390. A Dutch national heritage site, it was deconsecrated in 1974 and is now operated by a non-profit foundation.
Mattijsen noted, "They have five different set-up configurations for the space, which means five different sound source locations. The best solution by far was the CAL beam steering loudspeaker, working with an instantly reconfigurable distributed system of small, self-powered loudspeakers."
The completed installation features a CAL 32 column array loudspeaker with advanced digital beam steering, two UPM-1P and two UPJunior loudspeakers, plus 12 UPJunior-XP and 20 UPM-1XP IntelligentDC loudspeakers. A Galileo GALAXY network platform will be programmed by AEM to handle signal processing and matrixing for the various system configurations.


La Barbera, F., & Cariota Ferrara, P.
One hundred and sixteen students from an Italian university took part in a two-person social dilemma game with a European bogus partner. The main aim of the research was to test the effect that an individual's level of European social identification has on his/her cooperative behavior with a partner from another European nation. An additional aim was to explore the different effects of the cognitive and affective dimensions of European social identity. Our research also meant to test the role of trust, which for our purposes is defined here as participants' positive expectation about the cooperative behavior of their European partner. Our results showed that the cognitive dimension of European social identity has a significant direct effect on cooperation, while the affective dimension has an indirect effect mediated by trust. We concluded by discussing the results in relation to different theoretical models, and explored several practical implications.


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Steroids in mlb
Lavine Since sports have been around, the competitive nature of athletes has been pushed to the brink. As the times have changed, so have the ways athletes go about in pursuing their competitive drive.
According to the U. Government, BALCO branched out into other areas including distribution of banned performance enhancing drugs. The "nutritional supplements" being sold by BALCO were illegal under olympic rules and track athletes were soon tested by the U.
During the BALCO steroid scandal, allegations that top baseball and football players had used illegal performance enhancing drugs were brought to light. Major League Baseball had an established steroid policy which was created in Under this old policy, a first time offense would only result in treatment for the player.
Not one player was ever Steroids in mlb.
The new policy, which was accepted by Major League Baseball players and owners, was issued at the start of the season and goes as follows: The first positive test will result in a suspension of up to ten days.
The second positive test will result in a suspension of thirty days. The third positive test will result in a suspension of sixty days. The fourth positive test will result in a suspension of one full year. Finally, the fifth positive test will result in a penalty at the discretion of the Commissioner of Major League Baseball.
Players will be tested at least once per year, with a chance that several players can be tested numerous times per year. Bud Selig, the Commissioner of Major League Baseball, virtually created the existing policy and in light of recent evidence, has proposed even tougher penalties for positive tests than the ones in place today.
The new penalties that Bud Selig has proposed are a "three strikes and you're out approach" which goes as follows: The first positive test would result in a fifty game suspension. The second positive test would result in a one-hundred game suspension.
Finally, the third positive test would result in a lifetime suspension from Major League Baseball. These new proposed penalties are much harsher than either of the first two; however, they must be accepted by both the players union and owners before any changes can be made.
Sports News & latest headlines from AOL
Under the current policy, the first Major League ballplayers have been suspended for testing positive. The players suspended for violating Major League Baseball's drug program are listed below in chronological order.
I have known Rafael Palmeiro for many years. He is a fine person, a great player and a true asset to his community.
I know from personal experience that his accomplishments are due to hard work and his dedication to the game. I know that Rafael will accept the penalty under Baseball's important Drug Policy and that he will return to be a productive member of the Orioles.65 rows · In January , Major League Baseball announced a new drug policy .
Mar 28, · A timeline of Major League Baseball's drug-testing rules. Aug.
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30, — Players and owners announce a collective bargaining agreement that includes a . Welcome to monstermanfilm.com, the official site of Major League Baseball.
32 rows · "The steroids era" refers to a period of time in Major League Baseball when a number of players were believed to have used performance-enhancing drugs, resulting in increased offensive output throughout the game.
Steroids and Other Performance-Enhancing Drugs in Major League Baseball Steroids and other performance-enhancing drugs have become a major part of sports at all levels, especially in Major League Baseball (MLB). However, the role they have played is not a positive one.
Not only do steroids create an unlevel playing field, but they also have . Steroids found there way into baseball in the s.
Tom House, a former pitcher for a few teams, was the first player to openly acknowledge that there were six or seven players per team experimenting with steroids and human-growth hormone.
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text:
Le sezioni specializzate in materia di impresa (in precedenza sezioni specializzate per la proprietà industriale ed intellettuale), in Italia, sono uffici istituiti presso i tribunali ordinari e le corti d'appello aventi sede in ogni capoluogo di Regione (esclusa la Valle d'Aosta).

Storia
Furono istituite dal d.lgs. 27 giugno 2003, n. 168,  ma hanno assunto l'attuale denominazione con il decreto legge 24 gennaio 2012, n. 1 convertito in legge 24 marzo 2012, n. 27. Sono regolate dall'art. 134 del Codice della proprietà industriale.

Competenza
In base all'art 3, le sezioni specializzate sono competenti in materia di controversie aventi ad oggetto: marchi nazionali, internazionali e comunitari, brevetti d'invenzione e per nuove varietà vegetali, modelli di utilità, disegni e modelli e diritto d'autore, nonché di fattispecie di concorrenza sleale interferenti con la tutela della proprietà industriale ed intellettuale.

Rito applicato
L'art.134 del D.Lgs. 30/2005 (Codice della proprietà industriale, comunemente abbreviato in C.P.I.) prevedeva l'applicazione del rito cosiddetto societario, ossia quello disciplinato dal D.Lgs.5/2003. Tuttavia la Corte Costituzionale, con sentenza 17 maggio 2007 n. 170, ha dichiarato l'illegittimità costituzionale della norma "nella parte in cui stabilisce che nei procedimenti giudiziari in materia di proprietà industriale e di concorrenza sleale, la cui cognizione è delle sezioni specializzate, si applicano le norme dei capi I e IV del titolo II e quelle del titolo III del decreto legislativo 17 gennaio 2003, n.5". Il rito applicabile è, dunque, quello ordinario previsto dal codice di procedura civile italiano.

Articolazione territoriale
La legge disciplina l'assegnazione a dette dodici sezioni delle diverse circoscrizioni giudiziarie; in particolare sono presenti presso i tribunali ordinari e le corti d'appello di:
Bari
Bologna
Brescia
Catania
Firenze
Genova
Milano
Napoli
Palermo
Roma
Torino
Trieste
Venezia

Note

Voci correlate
 Brevetto in Italia
 Codice della proprietà industriale
 Tribunale ordinario

diritto industriale

redpajama_set_name: RedPajamaWikipedia


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Tune In Time: Is this a dryer, washing machine or …
Jackets' Elvis Merzlikins moves to starter, will face Kings
The Los Angeles Kings and Columbus Blue Jackets have faced challenges at the goaltender position this season.
The Kings may have found a temporary solution to their problems heading into their matchup at the Blue Jackets on Sunday while Columbus continues to face issues.
The Blue Jackets, who came into Saturday with the second-worst goals-against average in the NHL (4.00) and fourth-worst save percentage (.890), learned on Saturday that Joonas Korpisalo will be out 1-2 weeks with a lower-body injury sustained in a 3-1 win against the Calgary Flames on Friday.
That makes Elvis Merzlikins the clear-cut No. 1 goalie in Columbus, and he's experiencing his worst season in the NHL, owning a 4.82 GAA and .862 save percentage.
Columbus coach Brad Larsen is confident Merzlikins can hold down the fort.
He allowed just one goal in relief of Korpisalo on Friday after surrendering six against the Buffalo Sabres on Wednesday while playing a little more than half the game. A night earlier, Merzlikins gave up four goals in a 4-1 loss at the Pittsburgh Penguins.
"Elvis was good (Tuesday) in Pittsburgh," Larsen said. "It didn't go too well last game (against Buffalo), but that's the frustrating part for him because I thought, even in Pitt, he was pretty good for us."
Merzlikins has made three starts against Los Angeles in his career and is 1-1-1 with a 2.63 GAA and .932 save percentage.
The Kings became so impatient with their goaltending situation that they put Cal Petersen on waivers on Dec. 1 and recalled 30-year-old journeyman Pheonix Copley.
Copley has won his first two starts for Los Angeles, including a 20-save performance in a 4-2 win at the Montreal Canadiens on Saturday night.
The win helped erase a miserable performance on Thursday, when the Kings were shut out for the first time this season, 5-0 at the Toronto Maple Leafs.
Kings coach Todd McLellan said winning the opener of the back-to-back on Saturday won't make the task any easier on Sunday.
"The energy level, we're going to have to find some, we're going to have to play a smart game," he said. "After the effort in Toronto, the response (against Montreal) was the big thing, and getting the points was the icing on the cake, but we've got to put it behind us and get on this plane and be ready to play (Sunday)."
Jonathan Quick will start in goal for Los Angeles and he has performed well against Columbus in his career, owning an 18-8-0 mark in 26 games with a 2.22 GAA and .912 save percentage.
He'll need to account for Patrik Laine and Johnny Gaudreau, who have been split up in an effort to find more offensive balance.
Laine has five goals in five games since returning from injury.
"If we can balance out our scoring instead of loading up one line, it really helps us," Larsen said. "It's not a punishment. It's saying, 'OK, we can balance this out a bit.' We'll see where it goes."
The Kings hope to bottle up the neutral zone against Columbus, something that has become a trademark of their system.
"Anybody who has spent time around us, when we're playing well, that's what we do, and we did a horrendous job in Toronto," McLellan said. "We did a much better job of it (Saturday)."
Fire at Williston Airport destroys one vehicle, damages …