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If access to tools that help you complete work efficiently and economically strikes you as fundamental to enterprise success, you're not alone. The enormous variety of work order software solutions available today testifies to a market of software buyers hungry to create repeatable and ongoing process efficiencies.
Work order software allows you to create a trackable document identifying what work needs to be done and how it should be accomplished.
The underlying purpose of work order software exists to help your maintenance department accomplish two critical business goals: complete quality work quicker and at less cost. One could even argue that the type of software could be easily interchanged as "maintenance software".
Effective work order management software minimizes the friction standing between conveying work instructions and executing them. It provides a valuable means for key decision makers to analyze completed work to spot process inefficiencies and identify potential improvements and improve the overall asset management of your company.
When Does a Business Need Work Orders?
The biggest difference in when you may require a work order depends on the timing of the repair. This is a maintenance management decision your business needs to make based on their abilities, as all businesses will have varying levels of success with different methods.
Preventive Maintenance: Occurs before a problem has arose. Helps businesses service equipment on a regular basis to ensure the equipment maintains satisfactory operating conditions and lessens the likelihood of failure. Saves time on unplanned corrective maintenance.
Corrective Maintenance: Occurs after a problem has arose. Identifies and fixes failed equipment so it can be returned to an operating status.
What Software Has Work Order Functionality?
Work order management is a functionality found as a stand-alone software, as module included in an enterprise resource planning software (ERP), or included as a feature of a computerized maintenance management system (CMMS).
Epicor E10 ERP has a job scheduling board that can be used to show upcoming manufacturing or assembly jobs as well as preventive and corrective maintenance work.
ERP solutions with work order functionality: Companies that require fully-integrated solutions will want to ensure work order management is a functionality being provided by their ERP system. Field service companies who are scheduling work will want a work order module that is integrated with scheduling and dispatch management. This will ensure the right employees are being assigned to jobs, and that you are not having to key in information into multiple systems.
CMMS software with work order functionality: CMMS software helps ensure the operational health of your equipment. It's primary goal is to lower the overall cost of maintenance for your organization for efficient asset management. CMMS software uses work orders to create documents that can be tracked and to identify the work that needs to get done. As opposed to corrective maintenance situations, work orders are generated for predictive maintenance and preventative maintenance purposes, meaning they are created on a recurring scheduled basis.
Work order requests and order creation Templating and guided order entry tools can greatly improve the ability of employees to rapidly and accurately convey work requests and instructions. This most basic step is leveraged for efficiency in work order management systems.
Rules-based approval management Two fundamental concepts are utilized by work order solutions when managing approvals: access control and conditional logic. Access control allows only certain employees to have higher level privileges within the software (such as approving work orders or scheduling resources). Conditional-logic can be employed to automate much of the approvals process.
Scheduling and resource allocation Work order management solutions can maintain a database of information that identifies what equipment and materials are required to complete each type of job. Similarly, a work order program will let you identify which employees are qualified for what type of work. A capable work order system will include calendaring tools to optimize equipment and labor resources usage and avoid double-booking.
Change orders Work orders are not always static documents. Often changes to the scope of work or method of completing it can occur after the work order has been created. A comprehensive work order management program will include the capability to manage change orders.
Status updates and completion monitoring Visibility into the completion of jobs is an important part of the value of a strong work order management solution. The ability to benchmark key intervals in the completion of work and report on the attainment of those benchmarks helps stakeholders in the work anticipate completion. Being able to accurately predict work completion can be a critical part of ensuring customer satisfaction.
Reporting A work order management system gives you a rich source of data about your operational efficiency. Reporting tools in the work order tracking system help you turn this data into actionable information for improving your processes. Reporting tools can help you monitor key performance indicators on completed work such as error rates, adherence to quality standards, and time to completion. Tracing this information back to who performed the work, with what equipment, and following which processes provides insight into where improvements can be made.
Web-based work order requests With some work order situations, it can be advantageous to allow 3rd parties to initiate work order requests directly. The most common method of meeting this need is to set up a web-based portal for customers, subcontractors, or business partners to access when needed. A web-enabled work order request portal represents a more sophisticated level of functionality and is a feature that won't be found in all work order management systems.
Remote and mobile access If your company is performing work in the field, the ability to remotely access work order information is critical and can make you more profitable. Often this means accessing data via smartphones or tablet devices. To meet this need, many providers have optimized their solution for mobile web access or developed native mobile applications to extend important functionality to mobile users.
Work order approvals are an important part of the work management cycle. For instance, work coded to specific areas may require different levels of approval. The level of sophistication found in different work order tracking solutions can vary widely and is an important aspect to consider when reviewing products.
Determining who does work, what is required to complete it, and when it should be done, is an important task within work order management in order to save time. Work order management programs offer a variety of tools to manage scheduling and resource allocation.
A robust work order system can decrease turnaround times, improving customer satisfaction, with quicker work completion via two main methods.
First, a work order management system that promotes visibility into your processes can help you spot and address opportunities to complete work quicker–often in real-time. Secondly, an intuitive, easy to use work order management module reduces the administrative overhead related to processing work orders.
The result is that you can more quickly and accurately convey often complicated instructions with fewer communication related delays.
Poor management of work orders can lead to overlapping demands on equipment and employees at some times and idle resources at others. The ability to manage resource scheduling allows for the optimization of your resources and decreased downtime. When work orders are used as part of a CMMS software, downtime will look to be decreased through preventative maintenance.
Infor Service Management has schedules that can include mutliple jobs already scheduled or ones that need to be scheduled, which can give customers clarity on how fast a job can be completed.
Knowing where a job is in the work cycle isn't important internally, but is key for maintaining customer satisfaction.
Being able to accurately predict work timelines based on both historical information and real-time resource availability means fewer instances of customers disappointed by timeline overruns. Transparency into work completion status also means that in the instances where you are exceeding completion timelines, you're able to identify it much quicker and proactively address the issue.
How does a capable work order management software system lower equipment costs? Mainly by helping companies make more out of less when it comes to equipment.
When resource allocation is not optimized, often the easy answer is to acquire more resources to prevent bottlenecks in equipment availability. While that can be an easy answer, it's often not the most cost-effective one.
A work order management module can help to make sure that load-sharing and scheduling of equipment gets the most out of those resources before additional ones need to be purchased.
While promoting efficiency is a core benefit of work order tracking, gains in quality outcomes shouldn't be underrated. Work order management capabilities can eliminate much of the guess-work that can lead to poor quality manufacturing and service work.
For example, work order management programs include the ability to database documents such as equipment manuals, schematics, and process instructions. Providing an easy-to-use tool to communicate work order greatly increasing the likelihood that instructions are fully detailed, received, and executed.
CMMS software allow for your maintenance department to put in maintenance requests before they are even needed. With a goal of preventative maintenance, CMMS functionality should improve quality control through better maintenance management.
The tracking tools that allow for monitoring for key performance indicators provide a mechanism for enforcing adherence to quality standards and increasing employee accountability.
Work order management doesn't occur in a vacuum. Frequently there is a necessity to pass data between your work order management module and other corporate information systems.
For instance, your work order management system may identify parts or materials requirements, but it's necessary to check with the inventory control system to check on availability. In some cases, it may be necessary to initiate purchase requests in order to acquire the inventory. Communicating customer order status data may entail links with invoicing or customer relationship management modules.
Different work order systems have different integration and data export capabilities. Assessing whether or not real-time or batch integration capabilities are needed, and which systems will accommodate the required approach is an important part of evaluating work order software.
Different types of work order solutions exist on the market, designed for companies doing all sorts of different work. But there are industry-specific sub-categories of work order management that bear a closer look, in terms of understanding how they are optimized for particular industry requirements.
Delivery and travel related work order management. Having vehicles in the field introduces a number of additional work order related requirements. Work order systems can include routing and dispatching capabilities. Features such as GPS tracking on mobile apps and managing truck inventories are common elements of solutions designed for businesses with delivery or vehicle based needs.
Custom manufacturing. Manufacturing oriented work order programs differ from service oriented options in some significant respects. For example, incorporating or communicating a bill of materials required for completing a given order is an important part of manufacturing work order management. There's often an elevated importance placed on quality management in manufacturing work order management. Features designed to coordinate product inspections and quality assessment are a hallmark of a work order program optimized for the manufacturing environment. CMMS solutions can also help ensure the machines used in manufacturing remain as close to 100% uptime as possible.
Facilities maintenance. Another common utilization of work order software is managing facilities work. Location based tracking capabilities are often important for facilities maintenance work tracking. For a property management company, identifying where the work was performed, for which tenant, and which owner is responsible for costs is an important dimension of successful work order management.
Improved Enterprise Asset Management with IoT. In asset tracking, asset management software has an increasing potential for utilizing Internet of Things (IoT). Field service organizations have found that technicians can solve 10% of customer-reported issues without an on-site visit. This level of automation is expected to grow and improve asset performance management for all levels of customers.
The rise of mobile device accessibility. Businesses providing off-site service based work need to identify support needed off-site. In addition, they'll need to be synced with other field-service tasks such as dispatching and GPS tracking. An employee can be far more efficient if they can check for new jobs while in the field via a mobile app and get customer approvals without leaving the job site. Management can have a better understanding of how long workers are taking to complete jobs in the field, and have a more open path of communication when images or other files need to be sent back to the office. Teams can complete up to 30% more work orders by using a mobile solution.
Robotics & Automation. Robots are already being used to clean facilities. Automated processes may improve to the point that tasks and work orders may be triggered based on a workers location.
eMaint CMMS allows for end users to put in requests for work orders which need to be approved by management. Management can assign appropriate priorities to the work order depending on the situation or type of work needed.
Properly prioritizing maintenance requests. When work requests come in, it can be overwhelming for a facilities manager to decide when and in what order an issue should be handled. A small business may lack the personnel to get to everything as needed. The circumvent this, a business should categorize work orders as follows: Emergencies (drop everything), High (do this after your current job), Safety (hazards in the work place), Low (simple requests), and Scheduled (planned in advanced).
Difficulty digitalizing work orders. With the recent desire for mobile based solutions, field service companies that still deal with manual paperwork may be hard-pressed to change to a new solution. The conversion process to go digital seems beneficial but can be a hill to climb for some businesses with historical records.
If you are at the point where you are ready to find which work order software options are right for you, we can help. Through a brief phone call, our software specialists will look to better understand your business and software needs to help you locate a handful of solutions that can address the issues you are experiencing. Get started today!


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Q: Is it possible to indicate an angle to a point marker symbol from field without using representation? Is it possible to indicate an angle to a point marker symbol automatically from data from a field without using Representation ?

A: Yes - this is described in the help page Creating marker symbols in the section titled Working with marker angles where it starts by saying:

To rotate marker symbols individually based on the value of a field in
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redpajama_set_name: RedPajamaStackExchange


text:
Q104.3's QN'A
MonoNeon On Surrealism, Nas, Frank Zappa, Richard Pryor & Quilting
Having made the slow transition from boy-wonder to bonafide pro, MonoNeon has a new Grammy nomination, a signature instrument and an ever-growing fanbase gleefully watching his career progress in vibrant technicolor.
Speaking with Q104.3 New York's QN'A, MonoNeon a.k.a. Dywane Thromas Jr. gave some insight into the melting pot of influences in music, visual art, comedy and his own family that have boiled into his exploits thus far.
But intrigue from his unreal aesthetic is backed up by his music. Just like Mono takes everyday items like quilts and Afghans and fashions them into clothing, he takes familiar elements of jazz, funk, hip-hop and fusion and stitches them into something surprising, whimsical and heartfelt.
Mono got his first paid gig at 12 years old and he admits that the momentum of his solo career is fairly new for him. He won a Grammy for his contribution to Nas's 2020 album King's Disease, earned another Grammy nomination this year for his guitar and basswork on Cory Henry's Operation Funk record and he waded deep into the funk-fusion weeds for an acclaimed collaboration with John Scofield and Scary Goldings.
"Whatever the moment is, I just adapt to it," he says of collaboration. "I don't think about toning nothing down, I just go with it."
And he's proud of his Grammy recognition, but he's also at a tipping point where it's time he be recognized for his own vision: "I want to get nominated for my s—t!"
Learn more of his story via the video player at the top of this page.
Read MonoNeon's QN'A below!
See MonoNeon live with his solo band next week in New York City, Boston and Washington D.C. Get his full list of tour dates here.
Photo: Alysse Gafkjen for Fender
I love the Fender Sessions video for your new signature bass, the way you incorporated your family. Do you feel like they understand what you're doing?
I think they just embraced it. I don't know if they understand it. They just embraced it. They know it's me, they just accept it and embrace it. Yup.
George Clinton narrates the Fender Sessions spot. When did you meet him?
Sometime last year when I was working on a feature for my album that's coming out eventually. I contacted him to get on the song that's on the record. He's doing vocals on it.
[The album is] done. Just waiting on putting it out and when.
Is the upcoming album like what you've done up to this point or is there something extra surprising on there?
It's eight songs. I don't know what you'd call it. Me and David just writing songs together. Whatever happens, we just put it on the album. I really don't think about if it works or not, I just want to put my music out.
Your solo music is very unique, but you've also done some great collaborations. Do you even feel like you need to tone down your style when you're working with someone like Nas or John Scofield?
Whatever the moment is, I just adapt to it. I don't think about toning nothing down, I just go with it.
Getting a signature instrument is a huge moment in a music career. When did you feel like things started happening for you, like this was a possibility?
Really early on [I started getting gigs] when I was a teenager. At 12, I was doing professional gigs around Memphis. I went on the road with the Bar-Kays when I was pretty young. They used to let me sit in with them.
Really early on I started doing professional gigs. I started touring as a solo act kinda recently. I've always done my own stuff, but actually being on the road doing my own music really just happened recently.
When did you start designing this bass with Fender?
Late 2020. That's when they came to me with the idea. Before I did the signature I did some ad for them, for their [production line] basses.
Did you know right away what you wanted?
Yeah, I already knew the colors I wanted, yeah. There's a few basses I have that are built to my specs, but this Fender is a totally different thing.
You always play a right-handed bass upside down as a left-handed player. Was there any temptation to change the design of your signature bass to better fit your unorthodox style?
I did tell them to put another strap pin on the other horn, just to test it out, and I didn't like it. I'm so used to playing that way with the strap and I have to go underneath the strap to play in the upper register, so we just kept it that way.
I could have told them to make the bass a leftie. But I'm so used to the whole ergonomics to how it feels when I flip it over, with the bigger horn at the bottom, I'm so used to it now, doing it how I've been doing it.
Yeah, I get that. Not the strap thing, that's a little weird to me. I feel like the bass would be off-balance when you stand up. But you do you.
Did playing bass the way you do make it hard to learn from other people?
Not really because my influences were right-handed bass players. I really wasn't aware of any instrumentalists that played like me. I didn't see them when I was really practicing. It was Stanley Clarke, it was Victor Wooten, it was Larry Graham, it was Marcus [Miller], who else? Oteil Burbridge.
I was just looking at them, listening to them. Really I was just trying to get my thumping s—t together, so I was listening to Vic. Playing upside-down, the whole thumping thing can be kind of a task. It can be hard. When I heard Victor Wooten, that really set me down to work on my thumping.
When you have time off, do you feel any pressure to write or make videos.
I'm at home pretty much sitting around thinking about s—t I want to do. Writing. Practicing. Conceptualizing stuff, just thinking of stuff. Sometimes I record, sometimes I don't.
You talked about your dad being a big influence on you, musically? Who are some of the other artists important to you as a songwriter?
Well, especially a lot of stuff that comes out of Memphis: Willie Mitchell, Al Green, David Porter, Isaac Hayes, Otis Redding. That sound, Denise LaSalle, all the blues stuff.
Frank Zappa, Captain Beefheart.
The Philly soul stuff.
I'm influenced by a lot of stuff. I try to listen to everything.
How about fashion? What influenced your aesthetic?
Well, it just developed over time, and it's still developing. The whole quilt thing, I guess it came from my childhood 'cause I used to carry a blanket around when I was younger. I just like comfort and feeling comfortable and feeling warm. Even when it's hot outside, I just like to be covered up.
I think that comes from me having a bit of social anxiety. I like to be covered up. My style just comes from really doing what the hell I want to do. My momma still don't understand my style.
But I do like fashion design. I like Jeremy Scott's stuff. It just comes from the whole dadaism thing. Surrealism. I really don't paint — that's probably one of the reasons — I dress the way I see s—t, with the whole dadaism thing and surrealism.
There's a lot of humor in your music; are there some comedians that you would consider influences?
Richard Pryor. I love a lot of Blacksploitation movies, yeah. Who else? Flip Wilson. Primarily Richard Pryor … Jim Carrey, he's another one. He's a great painter too.
What do you have coming up that people should look out for?
My European tour next year. I've toured there before. I did only a few countries [last year], but this tour is kind of a big thing. It's called 'The Quilted One' tour.
And my album next year. And some other s—t hopefully. I'm just going to continue putting out music. I don't give a s—t, you know?
How about playing bass and singing at the same time? That's not a skill a lot of bass players learn.
That s—t is hard!
I'm actually better than I was, but sometimes I have to simplify my bass lines to sing certain things.
How about this Grammy nomination?
Yeah, that's on Cory's album [Operation Funk]. That's pretty dope. He got nominated last year for his album, and the one I'm playing on got nominated. It's pretty cool. I'm playing guitar and bass on it.
Any chance you'll be there are the awards?
No, probably not. I don't know. I want to get nominated for my s—t!
But that's so great that he's got nominated for that album, especially a funk album. 'Cause that's just complete funk, that's great. It's really opening doors for a lot of people.

redpajama_set_name: RedPajamaCommonCrawl


Mark Rutherford is a lifelong Hoosier, having graduated from Carmel High School, Wabash College and Valparaiso University School of Law. He practices business law with Thrasher Buschmann & Voelkel, PC in Indianapolis. He is active in the community, serving on many boards and organizations, including service as the Chair or President of many of these same organizations.
Governor Mitch Daniels appointed Mark to the Indiana Public Defender Commission in 2007 and he was soon elected its Chairman, and has remained on the Commission ever since then.Mark has been active with the Libertarian Party for over twenty years, including service as the Vice Chair of the national Libertarian Party from 2010 to 2012.


Cameron Forecourt provides testing facilities both pipework and fuel storage tanks.
Testing can be provided to meet regulatory needs or to form part of a regular inspection regime. We are used to working around our customers to ensure that the testing works have as little impact on normal business as possible. We are also very used to working in secure areas such as military installations and other security sensitive areas.
On completion of all testing we provide test certificates or where the equipment has failed we are able to present options for necessary remedial works.


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How Obamacare Helped Slash Personal Bankruptcy by 50%
By Allen St. John/Consumer Reports
https://money.com/obamacare-bankruptcy-decline/
Alberto Abin walks out of the UniVista Insurance company office after shopping for a health plan under the Affordable Care Act, also known as Obamacare, on December 15, 2015 in Miami, Florida.
Joe Raedle—Getty Images
As legislators and the executive branch renew their efforts to repeal and replace the Affordable Care Act this week, they might want to keep in mind a little-known financial consequence of the ACA: Since its adoption, far fewer Americans have taken the extreme step of filing for personal bankruptcy.
Filings have dropped about 50%, from 1,536,799 in 2010 to 770,846 in 2016 (see chart, below). Those years also represent the time frame when the ACA took effect. Although courts never ask people to declare why they're filing, many bankruptcy and legal experts agree that medical bills had been a leading cause of personal bankruptcy before public healthcare coverage expanded under the ACA. Unlike other causes of debt, medical bills are often unexpected, involuntary, and large.
"If you're uninsured or underinsured, you can run up a huge debt in a short period of time," says Lois Lupica, a bankruptcy expert and Maine Law Foundation Professor of Law at the University of Maine School of Law.
So did the rise of the ACA—which helped some 20 million more Americans get health insurance—cause the decline in bankruptcies?
The many experts we interviewed also pointed to two other contributing factors: an improving economy and changes to bankruptcy laws in 2005 that made it more difficult and costly to file. However, they almost all agreed that expanded health coverage played a major role in the marked, recent decline.
Some of the most important financial protections of the ACA apply to all consumers, whether they get their coverage through ACA exchanges or the private insurance marketplace. These provisions include mandated coverage for pre-existing conditions and, on most covered benefits, an end to annual and lifetime coverage caps. Aspects of the law, including provisions for young people to be covered by a family policy until age 26, went into effect in 2010 and 2011, before the full rollout of the ACA in 2014.
"It's absolutely remarkable," says Jim Molleur, a Maine-based bankruptcy attorney with 20 years of experience. "We're not getting people with big medical bills, chronically sick people who would hit those lifetime caps or be denied because of pre-existing conditions. They seemed to disappear almost overnight once ACA kicked in."
The first attempt to repeal and replace the ACA, in March, failed to gain enough Congressional support and never came to a vote.
Then in April, details of a new replacement plan were released. Although President Donald Trump has said that this new version, like the first bill that was pulled from consideration, will cover pre-existing conditions, the revised law gives states broad latitude to allow insurance companies to increase rates for consumers with an existing illness.
A Rare and Costly Diagnosis
Since the start of the year, more than 2,000 consumers have answered an online questionnaire from Consumer Reports' advocacy and mobilization team, sharing their experiences with the ACA. Katie Weber of Seattle was one of them.
In 2011, she had just landed her first job out of college, as a teacher with AmeriCorps, she explains in a phone interview. That's when the unusual numbness in her hand began, which she—and her doctor—at first mistook for a pinched nerve. Then came debilitating headaches and nausea and, ultimately, a diagnosis of medulloblastoma, a fast-growing cancerous brain tumor.
The treatment for her tumor was straightforward: surgery, radiation, then chemotherapy. Figuring out how to pay for it was much less clear. She worried that the insurance she had through AmeriCorps wouldn't cover enough of her bills.
"My dad said to me, 'Your health is the most important thing. If you have to declare bankruptcy at age 23, it's no big deal,'" Weber says.
Because of the ACA, she says, it never came to that. After her year with AmeriCorps, the new healthcare law enabled her to get coverage under her parents' insurance plan.
The ACA provisions required that the family's insurance company cover her even though she had already been diagnosed with cancer. That would not have been the case before the ACA, which mandates the coverage of pre-existing conditions for all consumers.
Later, when she aged out of her parents' insurance, Weber was able to enroll in Apple Health, Washington state's version of Medicaid, a program that was expanded once the ACA was passed. That coverage, she says, has been crucial to her financial and medical well-being, especially once the cancer returned last fall.
Weber says she now spends more time discussing treatment options and less time worrying how she'll pay for MRIs and drugs. These are covered in full under her Apple Health policy.
"Cancer is really expensive," she says. "My insurance saved my life."
Numbers Plummet
If you want further testimony about how much personal bankruptcies have dropped over the past decade, talk to Susan Grossberg, a Springfield, Mass., attorney.
For more than 20 years she has helped consumers push the financial reset button when debt triggered by divorce, unemployment, or a costly illness or medical episode became too much to handle. "Medical debt can get really big really quickly," Grossberg says. "When you're in the emergency room they're not checking your credit score while they're caring for you."
With the advent of the ACA—and before that, expanded state healthcare in Massachusetts—she says fewer clients with large medical debts walked through her door.
Grossberg adds that her bankruptcy business has slowed so much that she has been forced to take on other kinds of legal work—landlord-tenant and housing discrimination cases—to cover her own bills.
The American Bankruptcy Institute suggested that veteran Chicago bankruptcy attorney and trustee David Leibowitz could also help parse the reasons for the decade-long decline.
First, he says, the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 made it more difficult for consumers to file for bankruptcy. The law required credit counseling and income verification and forced many consumers to seek protection under Chapter 13, which restructures, but does not eliminate, most debt. The piles of paperwork also meant most filers needed a lawyer, which made bankruptcy more costly and therefore not an option for many poor consumers.
Then there was the economy. After a slow and steady recovery following the housing crisis of 2008, Leibowitz explains that American consumers generally had fewer problems with their mortgages, better employment prospects, and greater access to credit, which made them less likely to file.
The final factor, according to Leibowitz, has been the ACA, which afforded health coverage to many more consumers and expanded protections for all.
Of course, not everyone sees such a direct connection between the decline in bankruptcies and the emergence of the ACA.
Thomas P. Miller, resident fellow at the American Enterprise Institute and co-author of "Why ObamaCare is Wrong for America" (HarperCollins, 2011), cautioned against "reaching broad conclusions" because the subject is so complex.
"Certainly there are fewer people declaring bankruptcy, and certainly fewer are declaring bankruptcy because of healthcare spending," he says. But his earlier research suggested that some studies exaggerated the degree to which high healthcare bills cause bankruptcies. "They tended to reflect other problems with credit card balances well beyond healthcare," he says. "It stems from multiple causes."
Figuring Out Why
Over the past decade, determining the cause-and-effect relationship between medical debt and bankruptcy has become a political football, particularly during the years the Obama administration was trying to pass the ACA through Congress.
The truth is that it's not that easy to determine how many bankruptcies are caused by medical debt. Examining the paperwork doesn't always offer insight because debtors often juggle their indebtedness, for example, using a credit card to pay an outstanding medical bill while leaving other debts unpaid.
But a 2014 study from Daniel Austin, a bankruptcy attorney and, at the time, a professor at the Northeastern University School of Law, offers some of the most in-depth research to date.
Austin and his team selected a nationwide group of 100 bankruptcy filers meant to represent a cross-section of the U.S. population, studied their paperwork, then followed up with a survey asking filers, basically, "Why?"
His team's research found that medical debt is the single largest factor in personal bankruptcy. First, Austin analyzed the paperwork of individual case files, which suggested that medical bills were a factor in 18% of filings. But when he directly asked the same filers, in a survey, the number was even higher, with 25% citing medical bills as a factor in their decision to file bankruptcy.
In addition to the nationwide group, Austin isolated a group of 100 bankruptcy filers from Massachusetts. Why Massachusetts? Because its citizens, starting in 2006, had been covered by a comprehensive state healthcare program similar to the ACA known as Romneycare, after the state's former governor, Mitt Romney.
The differences between the two groups were striking. Even though the Massachusetts filers owed substantially more in unsecured debt (that is, debt not backed by a home, a car, or another asset) than their counterparts in other states, they reported less than half as much medical debt, which is also unsecured.
"The average medical debt in Massachusetts in 2013 was relatively low at just $3,041 (6% of total unsecured debt) compared to $8,594 (20% of total unsecured debt) nationwide," Austin writes in his 2014 study, portions of which were published in the Maine Law Review.
"Only about 9% of Massachusetts debtors felt their bankruptcy filing was a result of medical bills," Austin explains. "This compares to 25% for debtors from [other] jurisdictions." Austin's research found that comprehensive medical coverage in Massachusetts had all but eliminated medical bills as a cause for bankruptcy.
"Not only in absolute numbers—they had much smaller medical debt—but psychologically, medical debt did not loom nearly as large for people in Massachusetts as it did for other people in other states." And in 2010, four years after Romneycare began, the state had a bankruptcy rate that was about 30% lower than that of other states.
In Search of Certainty, Consistency
At its most basic level, health insurance allows consumers to pay for the medical care they need. Each year, the Centers for Disease Control and Prevention determines how well the system is working by surveying Americans and asking a simple but powerful question: Did you have problems paying medical bills in the last 12 months?
The percentage of those reporting problems has dropped from 21.3% of households when they first asked the question in 2011 to 16.2% in 2016. That's almost 13 million fewer Americans no longer facing collection notices from a doctor or hospital.
"It's been happening across the board, by race, by age, by insurance status, by gender," says Robin Cohen, the study's lead author.
But insurance is also about peace of mind. And judging from the consumers who have shared their stories with Consumer Reports, that certainty is in short supply as the fate of the ACA is decided. People are wondering what comes next: Repeal? Replace? Improve? Retain and neglect? No one really knows the answer. Americans are concerned about how the future of healthcare will affect them and their families.
In CR's Consumer Voices survey in January 2017, 55% of consumers said they lacked confidence that they or their loved ones would be able to afford insurance to secure that care.
Don Shope of Ocean View, Del., said the availability of ACA coverage gave him the confidence to leave a corporate job and start his own consulting business. But now, with the ACA's future in limbo, he and his wife are watching the action in Washington and worrying that they might have to return to jobs with benefits.
"I'm not a liberal or a conservative, a Democrat or a Republican," Shope said in a phone interview. "Our biggest concern is that with repeal and replace we're going to be left high and dry."
He also believes in expanded health coverage for all. "If any American is sick, we should be willing to take care of them," Shope says. "It's the right thing to do. Economics and profit shouldn't be part of the healthcare equation."
Hanging On Every Dip and Turn
And then there's Kristin Couch, who has channeled the uncertainty into her own brand of activism.
"I was kind of anxious," Couch says about the day in March when Congress was set to vote on a less robust bill that would replace the ACA.
The 31-year-old public relations executive, of Gainesville, Ga., has started to follow health-care politics in the intense, almost obsessive way some people follow sports. The morning after Election Day, she called the offices of her local congressional representatives, urging them to preserve the protections the ACA offers.
Couch began caring about healthcare as a high school senior when she was diagnosed with lupus and since then has become something of a reluctant expert on how to manage not only her treatment but also the insurance that pays for it.
With friends and neighbors she talks about the law in simple but personal terms. "I tell people, 'I have a pre-existing condition, and this has helped me,'" she says of the ACA. Couch follows the healthcare debate in Washington so closely because she knows firsthand what happens when you don't have adequate coverage.
Couch remembers the time, before the ACA, when a new immunosuppressive drug that wasn't covered by her policy became available. "It was expensive," she explained in an interview, "but it worked, and I knew I needed it. Every month I'd just put it on a credit card. When your medication is thousands of dollars a month, that's the start of being in debt." She considered bankruptcy but ultimately worked her way out from under the pile of medical bills.
As a result of the ACA, her coverage shifted again when her employer no longer offered a traditional plan and she had to switch to one with a high $3,000 deductible. Initially she was stunned by her out-of-pocket costs, but she quickly realized that her total costs would be capped once she'd met that threshold.
"It seemed scary and it seemed different," she explains. "But it actually saved me money." And now, she says, "I don't have to worry about how much a new drug costs."
So on the March day the House of Representatives was supposed to vote on repealing the ACA, she worried that the insurance she'd come to depend on was about to be yanked away. Only after emerging from a client meeting did she learn the vote had been canceled. "I started crying I was so happy," Couch recalls. "It's like a weight has lifted."
But Couch's relief was short-lived. Now she's back to paying close attention to the rhetoric and vote-counting deals in Washington, awaiting another possible vote on the newly revised plan. "I'm still optimistic," she said this week. "I think enough people will stand up and fight for the coverage."
Consumer Reports has no relationship with any advertisers on this website. This article originally appeared on Consumer Reports.


text:
The Lais of Marie de France
Prologue I. Guigemar II. Equitan III. Le Fresne IV. Bisclavret V. Lanval VI. Les Deus Amanz VII. Yonec VIII. Laüstic IX. Milun X. Chaitivel XI. Chevrefoil XII. Eliduc
All Themes Love and Suffering Virtue, Vice, and Justice Gender Roles and Class Status Magic and Storytelling
All Characters Marie de France Guigemar The Young Lady Meriaduc Equitan The Seneschal The Seneschal's Wife The Slanderous Wife (Le Fresne's Mother) Le Fresne Gurun La Codre Bisclavret Bisclavret's Wife/Ex-Wife Bisclavret's Wife's Lover Lanval The Fairy Lady King Arthur Arthur's Queen The Lord of the Pistrians The Lord of the Pistrians' Daughter The Young Man The Lady of Caerwent Muldumarec Yonec The Lord of Caerwent The Married Lady The Bachelor Knight Milun The Damsel Milun's Son The Indecisive Lady The Wounded Knight Tristram Iseult Eliduc Guildelüec Guilliadun
All Terms Lay/Lai
All Symbols Animals
Instant downloads of all 1542 LitChart PDFs (including The Lais of Marie de France).
Marie de France
Teachers and parents! Struggling with distance learning? Our Teacher Edition on The Lais of Marie de France can help.
I. Guigemar
II. Equitan
III. Le Fresne
IV. Bisclavret
V. Lanval
VI. Les Deus Amanz
VII. Yonec
VIII. Laüstic
IX. Milun
X. Chaitivel
XI. Chevrefoil
XII. Eliduc
Love and Suffering
Virtue, Vice, and Justice
Gender Roles and Class Status
Magic and Storytelling
Guigemar
The Young Lady
Meriaduc
Equitan
The Seneschal
The Seneschal's Wife
The Slanderous Wife (Le Fresne's Mother)
Le Fresne
Gurun
La Codre
Bisclavret
Bisclavret's Wife/Ex-Wife
Bisclavret's Wife's Lover
Lanval
The Fairy Lady
Arthur's Queen
The Lord of the Pistrians
The Lord of the Pistrians' Daughter
The Young Man
The Lady of Caerwent
Muldumarec
Yonec
The Lord of Caerwent
The Married Lady
The Bachelor Knight
Milun
The Damsel
Milun's Son
The Indecisive Lady
The Wounded Knight
Tristram
Iseult
Eliduc
Guildelüec
Guilliadun
Lay/Lai
The Lais of Marie de France Summary
In her Prologue, the author, Marie de France, argues that a person who's gifted with eloquence shouldn't hide their talent but is obligated to share it. For this reason, and in order to resist vice, she has put lays she's collected into verse form.
Marie begins with "Guigemar," a story in which the knight Guigemar isn't interested in romance. When Guigemar fatally shoots a hind on a hunting trip, the arrow ricochets and wounds him. The dying hind curses Guigemar, telling him that he'll only be cured if he and a woman fall in love and suffer greatly for that love. Guigemar then wanders through the woods and finds a luxurious, empty ship sitting in a harbor. He gets aboard, falls asleep, and is quickly whisked off to an ancient city.
In the city, a beautiful young lady, married to a jealous elderly lord, lives in a guarded enclosure. When the lady and her maiden companion discover Guigemar aboard the ship, they promise to shelter him until he's healed. Guigemar and the lady fall passionately in love and live together for the next year and a half, but the old lord discovers their affair and expels Guigemar from his city. After two years, the lady escapes to Brittany aboard the enchanted ship. She and Guigemar eventually cross paths in the lord Meriaduc's castle and confirm their respective identities. In order to claim the lady for himself, Guigemar lays siege to Meriaduc's castle, and at last, the couple is joyfully reunited.
Next, Marie tells the story of Equitan, a Breton king who falls in love with his seneschal's beautiful wife. They try to resist each other before starting a secret affair. Worried about losing Equitan to a princess, the seneschal's wife plots to kill her husband with Equitan's help. A few weeks later, they arrange for two bathtubs to be brought into the seneschal's chamber; the seneschal will be invited to join Equitan for a bath, unaware that his tub is filled with boiling water. However, the seneschal barges in on his wife and Equitan unexpectedly while they're having sex. Panicked, Equitan jumps into the scalding tub and dies instantly. The seneschal tosses his wife into the same tub, and she, too, boils to death. Marie says this is a cautionary tale for anyone who seeks somebody else's misfortune.
The story "Le Fresne" begins with a knight's slanderous wife claiming that her neighbor gave birth to twins because she'd had sex with two different men. When the wife herself gives birth to twin girls, she panics and decides to abandon one of the babies so that she won't be accused of adultery. After wrapping the baby in expensive blankets and attaching a ring to her arm (signs of her noble lineage), a maid leaves the baby at an abbey. The abbess names the baby "Le Fresne" after the ash tree in which she's found. Le Fresne grows up in the abbey, and eventually, a lord named Gurun falls in love with her and convinces her to live at his castle. However, Gurun's knights persuade him to marry a noblewoman named La Codre. (At this point, nobody realizes that Le Fresne and La Codre are twin sisters.)
On the wedding night, La Codre's mother helps her daughter get ready for bed. Le Fresne is also there helping with the preparations, and she puts her old baby blanket on the bed. When La Codre's mother recognizes the blanket and sees Le Fresne's ring, she realizes, rejoicing, that Le Fresne is her long-lost daughter. Everyone agrees that Gurun and La Codre's marriage must be annulled, and the next day, Gurun marries Le Fresne instead.
In "Bisclavret," the titular Breton baron disappears three days a week and transforms into a werewolf. Bisclavret only reluctantly tells his wife about this. When he transforms, he leaves his clothes in a hollow stone, and if he can't find the clothes, he has to remain a werewolf. The wife decides her husband's secret identity is grounds for separation, and one day, she has her lover steal Bisclavret's clothes. Then, she and her lover get married.
A year later, the king's hounds track down Bisclavret in the forest. The king takes the werewolf under his protection, and Bisclavret goes to live at the castle. One day, when Bisclavret's wife comes to visit the king, Bisclavret mauls her face, tearing off her nose. The king has the lady interrogated and learns the truth about Bisclavret. He also makes her bring Bisclavret's clothes. Once Bisclavret is human again, the king banishes Bisclavret's ex-wife and her lover. But the exiled couple has many children, and the girls are often recognizable: they're born without noses.
"Lanval" is the story of a lonely, forgotten knight of King Arthur's Round Table. One day, two mysterious damsels invite Lanval into an extravagant tent. Inside, he finds a gorgeous fairy lady to whom he instantly becomes devoted. The lady promises to give Lanval limitless gold and silver—as long as he keeps their love a secret. One day, however, at Arthur's castle, Arthur's Queen tries to tempt Lanval, and he rashly reveals his affair with his fairy lover, saying her beauty surpasses the queen's. Later, when the queen vengefully claims that Lanval insulted her, King Arthur decides that Lanval must face trial, and unless this supposed lover comes forward, he'll be executed. Just as the king's barons are about to render a verdict, the fairy lady appears on horseback and defends Lanval. Awed by the woman's beauty, the barons all agree that Lanval's boast was justified and acquit him. Then, Lanval jumps on the lady's horse, and they ride to Avalon. They're never heard from again.
In "Les Deus Amanz," The lord of the Pistrians decrees that his beloved daughter will only marry the man who can successfully carry her up a nearby mountain. For a long time, no one succeeds. Meanwhile, the daughter falls in love with a young man. They form a plan: the young man travels to Salerno to visit the girl's aunt, an accomplished herbalist. The aunt sends the young man home with a strengthening potion to aid his quest. Soon, the lord grudgingly allows the young man to attempt the climb. Incapable of moderation, the youth neglects to drink the potion and staggers up the mountain with the girl in his arms. When he reaches the top, he dies, and the girl then dies of a broken heart. The couple is buried in a marble coffin atop the mountain.
In "Yonec," the lady of Caerwent is married to the paranoid old lord of Caerwent, who keeps her locked away. One day, the woman wishes for a handsome rescuer, and suddenly, a hawk flies through her window and turns into an attractive knight. The knight, Muldumarec, says he's loved her from afar for a long time but could only visit her in response to her wish. They enjoy a short-lived affair, but the lady is so happy that the lord grows suspicious. He sets spikes in the lady's window, which kill Muldumarec the next time he visits. As he dies, Muldumarec tells his lover that she's pregnant with their son, Yonec, who will someday avenge them both. Before he dies, he gives her a sword for Yonec. Years later, after Yonec grows up and becomes a knight, he beheads his stepfather with Muldumarec's sword in revenge for his father's death, and the people proclaim Yonec king.
"Laüstic" is the story of a courtly couple—a married lady and a bachelor knight—that live next door to each other and exchange words and gifts through their windows, often in the middle of the night. When the lady's husband complains about her absence from bed, she claims she enjoys listening to the nightingale's song so much that she can't sleep. In response, her husband spitefully kills a nightingale in front of his wife. Grieving, she sends the nightingale's corpse to the bachelor knight, who carries it around with him from that day forward.
In "Milun," the knight Milun and his damsel in Wales conceive a son, whom they conceal and send to Northumbria to be raised by the damsel's sister. Meanwhile, the damsel is forced to marry someone else. Over the next 20 years, the couple communicates by sending a swan back and forth with letters hidden in its feathers. Milun and his adult son reunite when they inadvertently end up jousting with each other. The son vows to kill his mother's husband so that she and Milun can marry, but when the pair travels to Wales, they learn it's unnecessary: the husband has just died. Then the widowed damsel is reunited with her son, and Milun and his beloved finally marry.
Next is a lay called "Chaitivel," or "The Unhappy One." In Nantes, there's a lady who falls in love with four knights and refuses to settle on just one. Unaware that they're rivals, the four men strive in tournaments to win the indecisive lady's favor. One day, three of the men are killed in a fight, and the fourth is grievously wounded. The lady, horrified, realizes she is to blame for pushing the men to fight to impress her. She tends the wounded knight in her own chamber, deciding to compose a lay about the four fallen men called "The Four Sorrows." But her lover objects that it should be called "The Unhappy One," because though he survived, he is too badly injured to enjoy more than conversation with his beloved lady.
Next, in "Chevrefoil," Tristram is banished from court by King Mark because of his love for Queen Iseult. Eventually, he travels from South Wales to Cornwall, hoping to intercept the queen's procession on its way to a festival. While hiding in the woods, he whittles his name into a hazel branch—their special signal. Iseult sees the branch and finds Tristram in the woods, where they talk for a long time. Before a tearful parting, the queen tells Tristram how to reconcile with King Mark so that he can return to court. After she leaves, Tristram composes a lay about the joy of their reunion—calling it "Chevrefoil," or "honeysuckle," because honeysuckle and hazel depend on each other for survival.
In the last story, "Eliduc," Eliduc is banished from his Breton court on the basis of a false rumor. He bids his beloved wife, Guildelüec, goodbye and travels to Britain, seeking work as a mercenary knight. He soon enters the service of a king and falls in love with the king's daughter, Guilliadun. Guilliadun doesn't know Eliduc is already married, and Eliduc avoids cheating on his wife. Eventually, though, he sneaks Guilliadun out of the country aboard a ship. During the voyage, Guilliadun learns that Eliduc is married, and she falls into a swoon. Believing she's dead, Eliduc places her body inside a hermit's chapel, where he visits and laments daily. When Guildelüec visits the chapel, she finds the dead girl. While there, she also sees a weasel retrieve a special flower that revives its dead companion. Guildelüec places the weasel's flower into the girl's mouth, and Guilliadun suddenly revives, too. When Guildelüec sees Eliduc's love for the girl, she gladly releases Eliduc from their marriage and becomes a nun. Eliduc and Guilliadun get married, and all three spend the rest of their lives doing good deeds and serving God.


I'm writing a detailed note on Facebook Home for Enders Analysis, but some of the distribution maths struck me as worth posting here as well.
Facebook Home will be available in the Google Play app store from April 12, but at launch it will only be supported on a limited number of high-end phones (HTC One X, HTC One X+, Samsung Galaxy S III and Samsung Galaxy Note II).
These devices together have sold perhaps 60-70m units (we know 40m GS3s a month or two ago but the rest is pretty speculative), out of a total of around 680m Androids in the last two years. The GS4 will presumably be supported too, of course. In addition, HTC is launching a new mid-range Android phone (the 'First'), which will come with Home pre-installed. Sadly, given HTC's current position, I don't expect this to change the trajectory of anything.
This is just a first step: I'd expect Home to expand to cover most or all devices running Android 4 or later in the next six months or so, if not sooner. In March Android 4.x made up 54% of the active Android base outside China, according to Google's developer statistics. This is moving up, and will be maybe 75% by the end of the year. Android 2.3 is possible, but a lot more work and seems unlikely.
Expanding Home to cover all 4.x devices might take the addressable base to 375m.
Meanwhile Home is not available for the iPhone and almost certainly never will be, since Apple would not permit such a take-over of the interface.
In December 2012 iPhone users made up 29% of monthly active users (MAUs) of Facebook's smartphones apps; Android was 38%, and growing faster (it was about 35% last summer). Facebook stopped disclosing this data at the end of the year so I don't have more up-to-date numbers.
So, all of these numbers are moving, and some are a little fuzzy, but it looks like Facebook Home might be available for something like 20-25% of the current base of Facebook smartphone apps users today (assuming it really does expand to cover Android 4.x). By the end of the year, Android might be 45-50% of Facebook's base and have 75% Android 4.x penetration, which would take that to maybe 40%.
How many people actually will install it (and keep it) is another matter entirely, of course.
As an aside, I always prefer to talk about workings and variables than just state 'it will be x'. Instead of the above, I could just say "130m people can use Home", but that approach always seems less helpful - if not rather arrogant. After all, no-one at all actually knows the real number.


I'm excited to finally announce EnTyrely Too Much after an overly long gestation period. Looking at the fantastic pages put together by everyone on rbind.io leaves me agog at the great company! My own blogging efforts are sporadic and mostly serve as a vehicle for my own learning about the internet. And oh! what a learning process that is. Painfully slow, with many steps sideways and back. Where are the tags?


Child policy: Children 1-8 years old sharing with parents (without extrabed): compulsory breakfast charged at 150 Baht per day.
The hotel is on the hillside. Rooms are superb, though expensive. The problem is to get the room which faces the landscape (we were lucky). If you get the room facing the hillside you will be disappointed. The stairs from the village to the hotel are not the problem at all, there are just about hundred of them.
il faut monter 278 marches pour atteindre les chambres. la climatisation ne fonctionnait pas à notre arrivée, et la douche ne pouvait être réglée. elle était bouillante. le bruit de la fête nocturne de la plage montait jusqu à la chambre le petit déjeuner était très restreint. par contre nous avions une très belle vue sur koh phiphi. le service est très correcte. en conclusion le prix de la chambre est trop elevé par rapport à la situation et la prestation.
I took a group of young adults to Phi Phi for a birthday and we stayed at Arboreal. The girls were not thrilled with the stairs but they got used to them. Not a big deal if you don t suffer from any health issues. You just need to plan your day so you are not up and down them too many times. The valet service for your bags was most welcome. The men take your bags from the ferry and take them all the way to your room. I wouldn t want that job! At the end of your stay they take them all the way back to the ferry. We all thank you for that service. I picked this hotel due to the location because I wanted some peace and quite from the party noises. It was still close enough for the girls to get back and forth from the bars. The rooms were clean the bathrooms worked well. More than I can say for some of the other hotels on the island. The Bathroom is so important on Phi Phi due to the fact that they don t have any fresh water supply it s all reclaimed from the sea. You are hot and sweaty most of the time and a good shower is hard to beat. So two thumbs up for the shower. We didn t eat there so can t comment on the food but the facilities looked nice and clean with a beautiful view. We can recommend a great place to eat Garlic 1972. Great service and the food was excellent. We had two meals there, dinner and breakfast. Not one thing was bad. Cheap, small but very good food. We enjoyed our stay and when in Phi Phi again will stay with Arboreal. Oh one more note of interest we were there during Makha Bucha holiday and I couldn t believe that all the bars are CLOSED on that day. So try not to go on that holiday if your main reason for being there is to party.
The location is veey far from the pier. 110 staira up to the receptionist, and another 160 stairs to our room. Very tiring. However, the view was spectacular. Lots of mosquitos in the room. Watch for monkey come to your doorstep if you keave anytrash outside the room. We add extra bed,butthey did not provide one.instead they just cover the sofa inthw room and call it an extra bed, nd it cost 600bath without bfasf.
The view was great, and the room was big and clean. The bathroom was very basic. The staff were very friendly and helpful, and assisted us with our luggage up the stairs to the room and back down to the pier(there are a lot of steps depending on how high up the hill you stay). If you get a room high up on the hill, be prepared to walk a lot of steps every day. The breakfast could have been better, it was just the same american breakfast every day, but was sufficient.Overall we were satisfied with the hotel, and the staff were great.
Nice Seaview Room. The only thing is you have to climb up a bit high.
Great resort with friendly staff, far away from the noise on the beach and the drunk people in Phi Phi towncenter. OK, you have to climb quite a few steps (more than 100 if your bungalow is located on top), but the views are great. Porterage available from the pier (and back) at 50 baht pp. Bungalow was spacious and clean, the view from the balcony was great. Somewhat noisy aircon, but you can t do without. Bathroom seemed unfinshed (only partly tiled), but was clean and with hot shower. Towels and bed linen changed daily unless you indicated this wasn t necessary. Towels for beach provided if asked.
Couldn t locate anyone at the pier to take us to the hotel. We had to carry our luggage by ourselves, and the hotel was far from the pier. We had to climb a million steps to get to the hotel, which was hard to find. Great view from balcony, but not worth the effort to climb the stairs. You could just go the viewpoint once and get a fantastic view. Amenities are very basic (only shampoo and soap in bathroom, no hairdryer in room). Shower temperature couldn t be adjusted; it would only run hot or cold. Staff was polite. They allowed us to have breakfast even though it was 20 minutes past the cutoff time. Overall, room is not value for money. You could get something of the same standard cheaper.
this is a banglow on the small hill, about 5 mins walk from the pier, and be prepared that you will definite climb around 50-60 steps up to your room. would be a hardwork if you have some baggages. the view is so so, can see a little bit water and mostly is the green island landscape. location is alright, since the entire phi phi is no more than 10mins aways. and one more thing, the frontdesk is not 24/7. cos i remember one night when i got back around 1 or 2 am, and my shower stopped working, i pratically had no one to turn to. rooms are nice actually.


So, you don't like your wallet always open in your bags? Me, either. It's annoying as our belongings will easily fall out, get wrinkles (especially paper money) or rub with the other stuff. However, I don't like using those wallets with button strap as they are too hard to put in the back pocket as well as sit down.
If you have the same thought as me, let's consider the Velcro wallets. This is arguably as the best way to give you ultimate protection without feeling bulk. If you still have no idea about this great item, then have a look at these 10 best Velcro wallets.
If you are looking for a non-leather Velcro wallet with slim trifold silhouette, look no further than this Darkine Vert Rail Wallet. It is made out of 100 percent polyester to deliver a strikingly lightweight to stay in your pocket without straining it down or feeling inconvenient.
As a trifold, this wallet offers a large capacity for storage, including 8 card slots, 1 top long compartment and 1 outer zippered pocket. Its horizontal slots make a good fit to my bank cards and ID cards whereas the right ones are a little bit bigger, which I think it's ideal for folded changes or driver license.
I like its cash compartment as it is spacious enough to fit up US Dollars, roughly 10-15 bills without bulk. On top of that, the outer zipper features moderate size to match either folded paper money, receipts or coins for quick access.
If you are curious about the Velcro, just worry not as it works quite well no matter how fat of the wallet.
This is one of the best Velcro wallets for the price. It has two versions: The Game Royal with measurements of 9 x 13 cm and the black with one size fit all.
It features simple outer performance with a highlighted Embroidered Nike swoosh on the frontside, making it more unique. Like the Dakine, this Nike is a trifold, made out of polyester and nylon lining, bringing an ultimate water resistance and lightweight.
The inner zippered pocket gives it extra closure so that you can feel peace in mind to put up coins, keys and things like that.
When it comes to this Rothco Commando trifold velcro wallet, you will be amazed by its superb durability and flexibility. Made from 100 percent nylon that has been already tested for quality, the wallet is surely built to be the roughest and toughest that will serve you for years.
Features 4 inches wide and 4.8 inches long when closed, plus the reasonable-sized compartments, this is also a perfect travel wallet as it can fit up many kinds of currencies from various countries such as US Dollars, Euro, Yen, etc.
Also, thanks to the nylon material and compact design, this wallet is quite lightweight and small to put in any pocket, even the cycling jersey back pocket or carry alongside without noticed. Besides, it can quick moisture and sweat away to give extra protection to your essentials.
A highly-recommended wallet for bikers.
I don't know about you, but I myself usually split my essential stuff into various wallets with different sizes. I need a Mother wallet to keep my world neatly, safely include all cards, currency and stuff like that. Meanwhile, I also need a minimalist wallet or a slim wallet to keep my vital cards for a quick go.
If you are the same like me, I highly recommend this RAPDOM mens velcro wallet which focuses more on the functionality.
It has 18 pockets, including 1 non-stick ID window to keep your stuff well-organized and streamlined without a mess and help you easily find what you want in just a few seconds. However, the real fun is that despite such enormous capacity, the wallet still manages its slim silhouette with only 4.75″ x 3.5″ x .75″ when closing.
If you are wondering about the material, it's 6.6 Cordura Nylon 1000D which is one of the most high-quality and durable material to minimize wears and tears as less as possible. A good thing is its closure, totally not a joke. The Velcro strap works quite well or the hidden zippered pocket inside the cash compartment is a perfect place for your important documents and coins.
Show up some love to your American Football Team by this badass NFL Trifold Wallet. Don't fret, they are all officially licensed. Come up with 5 inches long and 3 inches wide, including 1 inner plastic picture holder and 1 inner pocket, it fits nicely your daily essential stuff like some vital cards, a couple of bills for quick charges and stuff like that.
Again, the Velcro strap does the thing quite well to keep your mind eased for possession storage. Despite its trifold silhouette, its maximum thickness is roughly 1 inch to fit any pocket without ruining the line.
It can be said that 2017 was the year of checkerboard pattern, and up to now, it's still hot. If you haven't had one yet, just consider this convenient Velcro Wallet.
It's made by Vans, and used original packaging. You can go wrong with Vans, for sure. It is a great compromise of functionality and style to nail your taste or match perfectly with your available checkerboard outfit. Choosing from either the black/white or the Black Gunmetal.
For those who wonder about its material, its texture is the same as Vans' shoes, which is thick, durable and well-made. Vans also asserts that this is an unworn item to serve you for years.
In a word, it's worth for the price.
This Rough Velcro Wallet comes up with more color selections to meet different tastes. But in general, there are two styles: the single-color and the camo.
In terms of its security and durability, I have nothing to complaint. Closure Velcro Strap, double-stitched rims and thick canvas material. Might it not look as luxury as the leather, but it does the thing to help the maintenance easier. Whenever it gets dirt, just let it washed by machine.
There are 6 card slots and 1 zippered pocket on the backside where you can put up some regular cards, coins or a couple of charges for quick payment.
It also highlights a simple fasten buckle which you can connect easily this wallet with anything at anywhere. But please understand that it's not for climbing.
If you are looking for a best velcro wallet for your kids, just consider this Jeminal. Its young, stylish and simple design is going to make your son or grandson happy.
As kids tend to not have much experience to use and take care of their very first wallet in their life, it's essential to opt for a durable with strong fabric. With Jeminal, you can totally feel ease in mind with its high-quality canvas. It's super durable, comfortable to touch and lightweight.
Featured as a bifold wallet and measured by 3.54 x 0.59 x 5.12 inches, the wallet can fit neatly your essential belongings such as cards, cash, documents, and receipts whereas keep its slim profile when closed to stay fitly in your pocket.
Based on its multiuse outer performance, this wallet is a high recommendation for teens, boys, kids and men.
9. Rainbow of California Original Bifold Nylon Wallet. Made in the USA.
Black is not a color, it's a style!
Let just opt for this simple black nylon trifold wallet velcro closure from the USA-based Rainbow of California if you are seeking a bifold made out of nylon. Truth to say, it's hard like hell to find for such wallets as mostly they come up with trifold style, which is too thick to fit my pocket.
Get it and you will worry free about it slipping out of your pocket as these Nylon products don't come up with as slippery texture as the leather. Not saying that, 500 Denier Cordura Nylon is considered as one of the most durable materials on the market that is built to last.
Besides, it's pretty awesome to get a great bifold velcro wallet manufactured in the US, so, it's worth a try!
I personally like its colorway – a great combination between red and black to make something simple, elegant yet still keep you stand out from the crowd.
If a superb durable non-leather wallet is what you need, give this ZAGA nylon bifold wallet with velcro closure a try. It's made from 1000 Denier Cordura – Nylon and though I have just used it for a couple of months but from other users, there are a lot of compliments for its longevity, some can last for 20 years. Freaking awesome!
Besides, it's made in the US so that you freely use it with no doubt at its source or quality.
After checking out my collection of the best Velcro Wallets, which is your pick of the bunch? They are all stylish, fashionable and functional wallets coming from well-known and reliable brand. Not saying that the quality and material has been through many tests as well as have some highlight customer testimonials. On top of that, this collection is based on my personal experience and from what I've researched for hours on my own. I honestly think that you should give them a try!


Bass, Berry & Sims attorney Robert Guth will speak at the Middle Tennessee CCIM Chapter Luncheon and provide an in-depth overview of Opportunity Zones. Robert will talk about the Tax Cuts and Jobs Act 2017 — the legislation that created Opportunity Zones — and how companies can take advantage of this program to ignite investment in lower income areas.
The luncheon will be held Thursday, January 10, 2019, from 11:00 a.m.— 1:00 p.m. at Maggiano's in Nashville. For more information or to register, please visit the CCIM Middle Tennessee Chapter website.


At Bridge Dental Care we offer a wide range of general dental treatments.
We offer a thorough exam including intial x-rays, soft tissue checks, gum disease assessment and teeth checks.
We will then give a treatment plan with various options to suit your needs.
"It had been a number of years since I visited a dentist. Like many people I had never enjoyed the experience early in life and did not seek treatment on a regular basis until I was recommended to register with David Hunter. David immediately put me at my ease and I have not looked back!"


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Home / Shop / PRINTS / WE TREATED THEM ALL THE SAME
WE TREATED THEM ALL THE SAME
SKU: N/A Categories: PRINTS, Simon Smith Tags: 101st Airborne, 506th PIR, Airborne, D-Day, Operation Overlord
250Limited Edition $150.00 Signed by Art Peterson
WE TREATED THEM ALL THE SAME quantity
225Collectors Edition $225.00 With three signatures
25Collectors Edition Artist Proof $320.00 With three signatures
ANGOVILLE-AU-PLAIN, 6 JUNE 1944
IN HONOR AND IN RECOGNITION OF
ROBERT E.WRIGHT
KENNETH J. MOORE
MEDICS 2nd Bn 501 PIR
FOR HUMANE AND LIFE-SAVING CARE
RENDERED TO 80 COMBATANTS AND A CHILD
IN THIS CHURCH
IN JUNE 1944
These simple words, carved into a stone memorial outside the ancient church at Angoville-au-Plain, a small hamlet six miles south-west of Utah Beach in Normandy, recall the heroic actions that took place.
In the early hours of 6 June 1944 two medics from the 101st Airborne – Kenneth Moore and Robert Wright – arrived to find themselves in the middle of a confused and savage firefight. Undeterred by the fighting around them the two men immediately set up a field dressing-station in the little village church to treat the growing numbers of wounded.
In an act of true humanity within the brutality of war, the two medics insisted on treating every wounded soldier brought here equally, regardless of the uniform they wore.
There was, however, one simple rule. No guns were to be brought inside the church. When two German paratroopers burst through the doors, machine-guns raised, the medics simply stared them straight in the eye and nodded down to the young German soldier they were treating. The two enemy paratroopers immediately understood. Both saluted and withdrew.
By the time the fighting was over, all but three of the 80 wounded had survived.
Simon Smith has brought this moving and act of heroism to life in his new edition. Every print is signed by "Art" Petersen, a veteran of the fire-fight at Angoville. The Collector's Edition is, however, even more special: additionally signed by D-Day 101st airborne medic "Doc" Blaney, each print is also personally signed by KENNETH MOORE, creating one of the most moving and historic editions.
This is a truly unique and memorable edition that will surely inspire enthusiasts and military art collectors alike, an piece to be treasured as a reminder of one of the most inspirational stories to come out of D-Day and the battle for Normandy.
Each print is personally signed by the artist Simon Smith and:
Private 1st Class ARTHUR "ART" PETERSEN
THE COLLECTORS EDITION
This unique and historically important THREE signature edition is additionally signed by Kenneth Moore – one of the two 101st medics who set up the aid station at Angoville-au-Plain – and "Doc" Blaney, another distinguished 101st medic who fought on D-Day:
Corporal T-5 KENNETH J. MOORE
Staff Sergeant ALLISON "DOC" BLANEY
THE REMARQUES
With all the signatures of the Collectors' Edition, each copy of the Remarque Edition will have one of Simon Smith's classic pencil remarques delicately hand drawn in the lower margin of the print.
THE 101ST AIRBORNE TRIBUTE EDITION
This outstanding EIGHT signature edition is a special tribute to all those who jumped with the 506th PIR, 101st Airborne Division on D-Day. With all three signatures from the Collectors' Edition, each print is issued with a unique original pencil drawing specially created for this historic occasion by Simon Smith. Each of these beautiful drawings has been personally autographed by two more 506th PIR D-Day veterans and then conservation matted to include the original signatures of a further three veterans that jumped on D-Day with the famous Easy Company:
Sergeant WILLIAM "BILL" GALBRAITH
Private 1st Class SALVADOR "SAL" PEREZ
Corporal T-5 BILL MAYNARD (MATTED)
Tech Sergeant PAUL ROGERS (MATTED)
Sergeant AMOS "BUCK" TAYLOR (MATTED)
30 ½ x 21 ½ inches
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RETURN OF THE HUNTERS
FINAL DESCENT
THE SPOILS OF WAR
VITAL ASSAULT


I opened a trust account for my children a number of years back. There was no trip to the bank; no monies exchanged hands because the account was not financial. This trust account was truly personal. Simply stated, the account is this: If, by God's grace, my child will endeavor to grow and change by showing cheerful obedience to God and his parents, we, his mom and dad, will endeavor to faithfully recognize his good choices and rejoice in his growth.
This simple word picture of attitude and behavior being likened to a bank account has been a special teaching tool which our family has greatly enjoyed. Perhaps it can also be a blessing to you, my co-laborers in Christ!
1. It is an informal vehicle to keep parents and children communicating about the everyday spiritual choices and how they affect daily life and testimony.
2. The parent sets up the trust account by explaining the basic idea of a savings/checking account. In a trust account, as in regular accounts, there are deposits and withdrawals. When the child is given a responsibility and he fulfills it with a gracious attitude without being reminded, Dad and Mom will do their best to take note of it. This is a deposit into his trust account. The interest he received for obedience to commands and responsibilities over the long haul is called trust!
Since the deposit is not written, but informal, Dad and Mom are free to recognize anything they appreciate in their child as worthy of deposit to the account. They can place a deposit in the trust account for a good attitude following an on-the-spot order, a kindness to an elderly saint, a thoughtful deed towards Mom, and even the "turning of the other cheek" when a brother or sister proves to be an irritant. It is an opportunity for a busy dad to say, "Son, by the way, I appreciated how you handled ___________ yesterday. You made a good deposit into the trust account! Thanks!
A withdrawal from the account is fairly simple to grasp. If a son or daughter handles responsibilities or commands in a manner that would not please God and definitely not arouse in Dad and Mom and confidence and trust, then likely there will be a silent withdrawal from the trust account of the child. He has written an ill-timed check and a withdrawal will be made.
What are the potential advantages of the trust account?
1. It is a positive tool!
Dad and Mom have a simple tool in their hand with which to recognize a children for a great effort! A wink, a smile, a word of appreciation is in order for responding well to a command or an excellent handling of an ongoing responsibility. Sometimes it would be kind just to say, "Honey, I noticed you were careful to keep a sweet attitude even when you were disappointed; that's exactly what I was hoping you would do!" (Proverbs 23:26).
When a child is not doing well in an area, he may not be looking at his failing as an opportunity in the making. An observant parent might say, "Son, right now you are not doing well in the area of _____. You've got a great opportunity to please the Lord and even earn more trust, but you're just not doing it. May I give you a little advice?" (Proverbs 4:1-4; 15:31-32).
3. It is a challenge to the child.
It causes him to think about the fact that each choice he makes can be a deposit or a withdrawal, and each transaction is up to him. Dad and Mom are being faithful to notice and encourage efforts, but the choice to deny himself and sacrifice to love God and others is up to him (Matthew 22:35-40).
It provides the opportunity for every-day choices to be discussed in a regular basis (Proverbs 6:23; 10:17).
5. It invites input from godly friends.
Others can make a deposit to his account. When word invariably gets around that a child has a trust account in his name, other individuals will freely share how the child has been a blessing to him or perhaps has disappointed him. Often the deposits come from an observant, helpful adult who is noticing the maturing process (Proverbs 23:24-25; 27:5,6,9).
6. It makes times of correction even more significant.
If the child has heard consistent feedback on his trust account balance he has with Mom or Dad, it is not a surprise when parents might allow a special privilege for a healthy trust account. On the other hand, a special privilege might be withheld because the child has insufficient funds in his trust account (Proverbs 3:11-12).
7. It makes loss of trust a sad occasion.
Once my son asked to speak to me alone. He solemnly said, "Dad, I have a withdrawal to make from my trust account." With that statement he detailed how he had not made a good decision in an area of life. It grieved him that he was losing something he was beginning to prize greatly - the trust that he had earned through consistent, wise living. It was surprising how much it meant to him. Though he had been irresponsible on this occasion, I was able to encourage him because his attitude was one of grief over his sin and because his track record of trustworthiness gave him a big trust account balance with me (Proverbs 23:15-16).
1. It is not a tool for manipulation.
The effort is not to wheedle a child into "doing Mom and Dad proud." We want to challenge his heart to unselfish, sacrificial living. The continual communication with him brought about by the trust account will allow him to see how desperately he needs the grace of God for daily living and how desperately we want him to show his love to God by his daily choices.
2. It is not intended to be a formal system of reward and punishment.
Other forms of correction must proceed as normal. The parents would not punish the child for losing their trust. However, a child could lose trust he has earned by his stubbornness or disobedience.
3. It is not a means to build self-image.
The trust account is to remind our child that he must trust God more and himself less. The more he finds that he is not faithful as he should be, the more he can see that Christ is the Faithful One. We desire to build Christ-confidence, not an expanded self-image. We desire to build Christ-confidence, not an expanded self-image. The concept is not a biblical one.
Let them see the interest mount!
As a dad who labors full time in God's vineyard, I see the great need of being involved in observing my children's daily choices and giving them consistent feedback as to how they are progressing. I have often done a stellar job telling them how they have come short of expectations. Now, by letting them know the interest gained in their trust accounts, I have a means of telling them how they are succeeding in some areas and what they must do to turn areas of withdrawal into a nice, fat deposit!
This trust account is simple (no paperwork), convenient (bank where you live), and accessible (open 24 hours a day, 7 days a week)! It is just the instrument for a busy minister who loves to see enthusiastic, spiritual growth in his children! One can almost hear the joyfulness in the Apostle Paul's voice as he addresses the Christians in Thessalonica. He exults, "And we have confidence in the Lord touching you, that ye both do and will do the things which we command you" (II Thessalonians 3:4). We desire confidence in our Lord touching our children...a healthy trust account.


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NCAA Reacts
SB Nation Reacts
SBN Reacts: Teams that should be most concerned so far
By Kyle Thele Oct 4, 2020, 10:39am CDT
Share All sharing options for: SBN Reacts: Teams that should be most concerned so far
Ricardo B. Brazziell-USA TODAY Sports
Welcome to SB Nation Reacts, a survey of fans across the NCAA. Each week, we send out questions to the most plugged in Michigan Wolverines fans, and fans across the country. Sign up here to join Reacts. NOTE: This poll was conducted prior to this Saturday's games.
It didn't take long, but the college football season has already delivered its first round of massive upsets. Two top-10 teams fell to unranked opponents last week, with two more nearly meeting the same fate.
According to the most recent SB Nation Reacts survey, fans believe one team should be most concerned over the rest. Nearly half of fans who responded said they believe LSU should be the most concerned.
The defending national champions were ranked No. 6 last week when they fell at home to Mississippi State. Similarly, No. 3 Oklahoma lost at home to unranked Kansas State. Texas and Texas A&M were able to survive the week with wins, but both games were decided by a touchdown or less.
The Aggies have another difficult test this weekend as they go on the road to play Alabama. However, the most anticipated game of the weekend is a different SEC matchup, as No. 7 Auburn goes on the road to play No. 4 Georgia.
As for Wolverines fans, confidence ticked up slightly despite still being a mixed bag as the team prepares for its season opener. 69 percent of Michigan fans said they are confident the team is headed in the right direction, a gain from only 55 percent the two previous weeks.
To vote in the Reacts surveys and have your voice heard each week, sign up here.


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Moore's Swamp Taxidermy (252) 745-3493
Page is a second-generation taxidermist from North Carolina, where he runs a full-time studio.
As a member of the North Carolina Taxidermist Association, Page is one of only ten others who have won a master taxidermist title.
Among his collection of awards are
- Numerous People's Choice
- Best All Rounds, Best of Category
- Two Wasco Awards
- Three Van Dyke Awards
- Three Woody Awards
- Governor's Award and a Taxidermist of
the Year from the Pennsylvania Taxidermist
Although Page works mainly with African and North American mammals, he is best known for his creative waterfowl mounts.
(PN-01) - Mounting & Finishing a Standing Wood Duck
(2-Disc Set)
(PN-02) - Mounting & Finishing a Flying Blue-Winged Teal
(2-Disc Set)
(PN-03) - Mounting & Finishing a Flying Common Eider


Welcome to the Genelle restaurant dining guide! Here you'll find the best Genelle restaurants, as well as the newest and most recently reviewed Genelle-area restaurants.
Dine out using the Genelle restaurant reservations list or order in from Genelle food delivery restaurants.
Do you blog about dining in Genelle? Share your experiences with Menuism users!
What restaurants do you recommend in Genelle?
People found this by searching for: Genelle Pizza and Genelle Restaurant.


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Having studied the psychology and behavior of boomers, this example represents a major shift in my thinking about the industry. I no longer perceive these types of opportunities as money-making pyramid schemes. Instead, I now see it as a way to enhance many of the personal aspects of retirement that are rarely discussed let alone planned for, with the added benefit of supplementing other popular retirement income sources such as pension and social security.
The interviews and psychological connections lead me to conclude that MLM and NM companies, along with other small businesses opportunities, are important considerations for anyone entering retirement. In fact, I believe the concept of starting a business for retirement income will become one of the most significant trends impacting retirement in the 21st century. But it has to start with redefining entrepreneurship and framing it into a retirement lifestyle. That means helping people find ways to turn a passion, hobby, or personal desire into extra money in their pocket… not to mention helping people see the importance of planning for the non-financial aspects of retirement such as replacing a work identity, staying relevant and connected, as well as keeping mentally and physically fit.
In recent years, the heavily publicized Herbalife battle has shined much-needed light on MLMs. Last year's scathing John Oliver segment on them has received almost 10 million views, 2 million of them in Spanish. (Immigrant, often undocumented, Latinos trying to make it in the U.S. have become a major target group.) A documentary on Ackman's Herbalife battle, Betting on Zero, hits theaters March 10 and will be available on demand April 7.
I see Melaleuca on here. I see that as both good and bad. They are an awesome company with a great compensation plan. However, they are not an MLM. They are not even listed with the federal agency that oversees those companies. They are a Consumer Direct Marketing company. How does that differ? While I am required to purchase a certain amount each month, that's all I need to purchase. It's all products I use in my own home for myself. I don't have a monthly quota to meet. I don't have to buy product and sell it to people. The idea is that the product goes to the consumer only. In fact, it's against company policy to buy product and sell it to others. The only comparison I see are the "levels" of customerS in my group. Can you shed any light on why you think they are an MLM? Thanks, so much!
Hi JP. Good stuff all the way around, my man. Hey, I've been approached by Ariix, & didn't know if have heard of them, and if so, a simple 👍 or 👎 will suffice, unless you'd like to elaborate, of course. One obvious concern I have is that (& can disclose this, since it's of public record/knowledge per the list above), the current leadership in place at Ariix all came from USANA, and given the FBI/SEC became involved with USANA in '07, & Ariix opened in '11, well….I think you know from where I'm coming as it relates to anything you may be able to convey. Thx again, JP, for all of your efforts, & if you'd feel more comfortable in emailing me, obviously that would be perfectly fine! And apologies on this extremely verbose message!😳
"From a consumer standpoint, this is a gigantic siphoning machine just sucking dollars out of people," says Robert FitzPatrick, co-author of the book "False Profits" and president of Pyramid Scheme Alert, a nonprofit consumer education resource. "The bottom line is: It's a scam. It's a pyramid scam, it's a recruiting scam, and you'll lose your money," he adds.
However, there are some things we do know. First, consultants need to make $100 in sales every six months. That's a very reasonable requirement. But, it may just apply to being a member. You'll probably need more sales to earn from your team. Second, Steeped Tea does encourage online marketing, like through social media sites. That's always good and you may even be able to sell online.
A 2018 poll of 1,049 MLM sellers across various companies found that most sellers make less than the equivalent of 70 cents an hour. Nearly 20 percent of those polled never made a sale, and nearly 60 percent earned less than $500 in sales over the past five years.[42][43] Nearly 32 percent of those polled acquired credit card debt to finance their MLM involvement.[44]
So you meet your buddy at a burger joint. You reminisce about old times and play catch-up. You're having a real good time. But then he mentions this nutrition company he's been selling for lately. He says he's just getting started, but there's a lot of income potential. In fact, he knows a guy who has paid off his mortgage working for this company. He thinks you'd be a perfect distributor for it because you lift weights and you're driven.
Internet and Social Media changes the landscape a lot, because what originally had to be a door-to-door process is turning into more of a net-based thing. However, Network Marketing is always about direct social interactions, belonging to something, helping others etc. It seems that Network Marketing and Direct Selling was the precursor of internet based customised door-to-door deliver that happens just now everywhere.
The MLM industry varies so much and is so vast, it's kind of hard to break into any niche with a new product (because chances are it's already been done), however this company managed to do it! With their custom nail designs and adhesive technique, the company made a big bang with their introduction to the direct sales platform. They got over 100,000 associates in no time, and ended up conquering their market.
"I wouldn't be where I am today without the knowledge I gained from [Michael's] live events and training CDs. Two MUST-HAVE [programs] in your CD library should be 'The Total Success Pack' and 'Building a Better Life.' I've listened so many times I've lost count. PRICELESS information for your journey to success in business and in life… 'Easy to do. Easy not to do' The choice is yours."
Multi-level marketing is a strategy some direct-sales companies use to encourage their existing distributors to recruit new distributors by paying the existing distributors a percentage of their recruits' sales. The recruits are the distributor's "downline." All distributors also make money through direct sales of products to customers. Amway is an example of a well-known direct-sales company that uses multi-level marketing.
Global, a wide range of products from which you can choose your favourite to promote, and based on the plant aloe vera which is being talked about a lot recently as one of the 147 medicinal plants. I have been a Forever Business Owner since November last year, so I remember well my first steps and would be happy to answer any questions you may have.
Long before becoming a billionaire, and even before starting Omnilife, Jorge Vergara sold tacos on the streets of Mexico. He then secretly brought in Herbalife supplements into the country. While there, he was able to get the Mexican government to change regulations put in place for their nutritional products division. Talk about a life filled with action…this guy could probably sell his life story and make millions more (he could probably win several awards, side note: he's actually a film producer casually on the side).
I think when you made comments about a company you should have kept them neutral or not only commented part of a story. Ambit did have a lawsuit, but it also has several JD Power awards, A+BBB, and many other accolades. I don't know details of the suit, it may have been 100% justified, but I do know lawsuits are not always justified. Sometimes people are looking to make a buck
You'll definitely want to look into this product and business opportunity! Has everything that you said you were looking for in a busineas and more. Have you heard of O2 Worldwide and those O2 Drops? This product is helping so many people and the business opportunity is literally one of a kind. Contact me for detailed information. I look forward to sharing and helping you reach your networking business goals!
An issue in determining the legitimacy of a multi-level marketing company is whether it sells its products primarily to consumers or to its members who must recruit new members to buy their products. If it is the former, the company is a legitimate multi-level marketer. If it is the latter, it could be an illegal pyramid scheme. The Federal Trade Commission has been investigating multi-level marketing companies for several decades and has found many that blur the lines between the two. According to industry data, there are 90 million members worldwide, but relatively few earn meaningful income from their efforts. To some observers, that reflects the characteristics of a pyramid scheme.
But, some of the companies here are much better than others in my opinion. There are two different ones that are worth considering. The first is Thirty-One Gifts. This storage company has appealing products that do sell to the right audience. In fact, many customers go back for extra products time and time again. The commission plan isn't amazing but it's decent enough and has no serious issues.
In a credible Network Marketing company with a well structured compensation plan, there is no such thing as being overpaid OR underpaid. Participants get paid in direct proportion to what they produce in terms of product sales to customers, creation of a network of people doing the same thing, and leadership development. As a Network Marketing Professional with a credible company you get paid exactly what you're worth – no more, no less.
Great listing and especially the honest look at what being in an MLM means. Direct sales is a hard business, especially if you're not passionately using the product daily. You see too many people who join thinking it will be a get rich quick scheme and don't actually care about the product or their customers. Genuine lasts and is successful, companies like Avon and Mary Kay have been around for generations because people love their products.
This Podcast is brought to you by Go Pro Recruiting Mastery - the world's #1 generic training event for the Network Marketing Profession. Join us December 4-6, at the MGM Grand Garden Arena in Las Vegas, Nevada. You will hear from top thought leaders including John Maxwell, NBA superstar and entrepreneur Magic Johnson, and dozens of Million-Dollar Earners. It's an extraordinary event that you and your team can't afford to miss.
I initially spoke to a retired friend who said she joined a health and beauty direct selling company as a means of meeting new people. She had recently remarried and moved to a new location, so she combined the practice of meeting new people with making extra money. After almost a decade in the business, she's built a small niche business with family and friends despite switching to from one company to another competitor after three years.
In 1959, two employees of Nutrilite, Rick de Vos and Jan van Andel, founded their own company: Amway. Amway was created using the MLM organizational structure and paved the way for MLM companies to be established in other countries like Canada, the United Kingdom, Australia, Germany, and France. Amway allowed for companies like Panasonic, Palmolive, and MasterCard to include network marketing in their omnichannel marketing strategies. Amway's success has even led them sponsor an NBA arena, the Orlando Magic's Amway Center (and the older Amway Arena), since 1989.
Well if you didn't know before, this company is all about body shapers and nutritional products, with a "greens line" in their product line up as well. The company got some built up heat in 2015, but have later cooled down a bit. There was minimum quota of $112 that had to be met every month in order to earn commissions from the company and after a while their distributors had a hard time keeping up with these expectations. Not everyone (including their grandmothers) needs more than one or two body shapers. LOL.