Thinking about getting fitter? Good! But don't fall for the idea that you need to spend a lot of money in order to do it. These days the average person interested in fitness will be bombarded with adverts and suggestions for expensive solutions. Here's a quick guide to making sure you don't get ripped off!
Gym memberships are often portrayed to be this utterly essential thing if you're looking to get fit. And, for sure, there are loads of benefits to joining a gym. In fact, if you really don't mind spending the money (which is assuming you have the money to spare!), then you should probably go for it. The access to all that equipment can be worth the price.
But, for many of us, gyms can be an unnecessary element to an exercise routine. This is especially true if you're just getting started. Many people assume that, by buying a gym membership (and good luck finding one that isn't pretty steep), they'll feel compelled to go there often to justify the cost. But it rarely actually works out this way!
The fact is that you can get pretty far by lifting weights at home and going for frequent runs in the area in which you live. In fact, there are loads of public parks that have outdoor gyms that are free to use. You should consider seeing if there are any in your area!
Of course, even if you don't sign up with a gym, there's a chance you're going to need to invest in some gear. I suggested lifting weights at home and going running frequently – these are two options that will probably require you to make some purchases! But they can be pretty cheap, if you're careful.
It's possible you have the equipment to go running right now. But you shouldn't underestimate the importance of good running shoes (the wrong kind can hurt your feet or even damage your back in the long run) and appropriate, flexible clothing. But don't make the mistake of blowing all your cash on expensive brand names! Look online for out-of-season gear that will allow you to save money. Note that you can still find good deals on high-end brands this way!
As for weights, you should probably go for a simple pair of free weights. They don't need to be particularly flashy – they just need to be the right weight! Once you remember that, you'll be able to find loads that are reasonably priced.
It's true that a personal trainer can do wonders for your workout regime. After all, everyone's body and capabilities are different, so getting the help of someone who is highly experienced in this field (and knows a thing or two about biology and nutrition!) can help create a plan that works best for your body.
Still, a personal trainer is expensive. It may pay off a lot in the long run, but don't feel that you're going to be stuck if you don't have one. If you're sure that you do need some sort of support, oversight, or live tips, then you should consider group training sessions.
Group sessions aren't always going to be cheap, of course, but they allow for a lot of flexibility when it comes to scheduling. And while the trainer's attention is going to be split across several people, you're bound to get your fair share of personal advice. The money you could save when compared to solo sessions is remarkable.
There are a lot of guides and programs out there that make some pretty ludicrous claims. You've probably seen them yourself, perhaps in your spam folder, or in cheap-looking ads on the sides of web pages. The kind that claim you'll go from obese on day one to an Angelina Jolie lookalike on day thirty. You, of course, already know that you need to stay away from those.
The ones you need to be more careful about are the ones that have a stronger air of legitimacy about them. Ones that, in fact, may even have worked for some people. The problem with many of these isn't so much that they flat-out don't work: it's usually the case that they're effective, but incredibly expensive.
If you read up on something like the Bikini Body Guide, which is becoming increasingly famous, you'll soon see that it can be effective – but at a cost of beyond $200. Ouch. If you're at all tempted by a plan that carries a hefty price tag, then it's absolutely essential that you do further research of it. Check out independent sources of information. In this case, an independent Bikini Body Guide review will help you make a more informed – and cost-effective – decision.
There are loads of new gadgets and gizmos out there that are aimed at people who are looking to get fit. By and large, they can be an incredibly useful and fun addition to your workout routine. But it's important to understand that they're not exactly essential.
Consider one of the most famous additions to this roster in recent years: the fitness bracelet. Its true that there are great benefits to be found if you have one. But a decent one isn't exactly friendly to your wallet. And if you're in a position where you want to get really fit without spending any more than you have to, then they can hardly be called essential additions to your goal!
One thing that's worth keeping in mind is the amount of fitness smartphone apps you can get for free (or very cheap!) that can help you with your routine in various ways. Sure, there may not be much use of the Internet of Things or bioelectrics, but they can still help out a lot!
Last but not least: YouTube is a fantastic source if you're looking for workout channels. They are, of course, all free, which means they fit in perfectly with the penny-pincher's fitness routine!


Rachel Maddow dove into the Bush shoe-dodging episode last night, and walked us through the five stages of grief--it's in the first couple of minutes of the video below.
Not to be too flip about this, but when I read about the story, and then saw the video, I jumped to the final stages Maddow described--acceptance and outrage. Okay, I'll admit there was a brief stopover at the humor stage--who throws a shoe? Honestly--except that I knew the depths of insult that action carried with it.
My immediate reaction was very much one of empathy. I put myself in the position of that Iraqi journalist. I imagined that my country had been invaded and occupied in the name of spreading some other form of government. I imagined that I had lost family or friends in the occupation, that my life had been made chaotic, that I lived in near constant fear for years, and that I suddenly found myself in a room with the architect of that destruction, who was taking a victory lap no less. Throw a shoe or two? That would be the least of it.
Now it's come out that Muntader al-Zaidi "had been planning some sort of protest against Mr. Bush for nearly a year," but I still find myself in full agreement with al-Zaidi's point-of-view. I'm not a believer in American exceptionalism, at least in the sense of "my country, right or wrong." I think that our nation has, in its founding documents, the potential to be an exceptional nation, a model for the rest of the world, but far too often we don't live up to the standards we claim to hold dear. When that's the case--when we talk smack about how great we are and then don't live up to it--we shouldn't be surprised when the rest of the world treats us with disdain.


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Odyssey Logistics & Technology Corporation Completes Acquisition of AFF Global Logistics
9:30 AM EST
Business Wire News Releases
DANBURY, Conn. — Odyssey Logistics & Technology Corporation ("Odyssey"), the global leader in complex supply-chain multimodal services and technology solutions, today announced that it has completed its acquisition of AFF Global Logistics ("AFF") for $465 million.
Odyssey provides comprehensive global logistics and transportation services, including intermodal, trucking, bulk container shipping and transportation management services supported by multiple proprietary technology platforms. AFF is a recognized leader in U.S. domestic offshore services, APAC freight forwarding and comprehensive warehousing and distribution solutions.
"The acquisition of AFF is a significant achievement in the continued evolution of Odyssey," said Bob Shellman, president and chief executive officer, Odyssey. "It creates tremendous and immediate value for Odyssey and its customers. Our combined market leverage supports a significant enterprise multiplier as we integrate our comprehensive solutions globally."
To support the transaction, Odyssey's Multimodal Global Solutions Division has been established to integrate Odyssey and AFF business units that offer complementary modes and services across common global markets. The new division will be led by Keith Hancock, who previously served as president and CEO of Odyssey's Capital Transportation Solutions subsidiary.
"The collective business units formed under the Multi Global Solutions Division will integrate, leverage and cross-sell services to drive dynamic supply-chain solutions for our combined customers worldwide," said Kevin Kelly, president and CEO, AFF Global Logistics. "This is a growth-oriented transaction that will result in a powerful enterprise with capabilities beyond that of many competitors, to the benefit of our customers and employees alike."
About Odyssey
Odyssey Logistics & Technology Corporation (Odyssey) is a global logistics solutions provider with a freight network exceeding $3B globally. Odyssey's services include international transportation management, intermodal services, trucking services, and managed services and consulting. With operations in North America, Europe and Asia, Odyssey operates across all modes of transport with TL/LTL trucking, containership, rail, air, and bulk transport including bulk truck, ISO Tank, railcar and tanker, as well as food-grade product lines.
The Odyssey Global Logistics Platform℠ features transportation management systems that supports the safe, reliable and efficient delivery of client products throughout the world. WIN™ (Web Integrated Network) offers a scalable technology solution with an accelerated deployment and faster time to value.
For more about Odyssey, please visit www.odysseylogistics.com and www.gowithwin.com
About AFF Global Logistics
AFF (www.affgl.com) is a global 3PL logistics group headquartered in Fife, Washington. AFF is recognized as a leading U.S. domestic offshore provider (Alaska/Hawaii/Puerto Rico), offering additional services to clients worldwide who require ground, rail and air transportation, ocean freight forwarding of dry and temperature-controlled products, project logistics, and warehouse and distribution services to support their customer's global supply-chain requirements.
Derek Beere
Dbeere@mason23.com
'We had no idea this was coming:' Windsor auto parts plant to close, putting 270 out of work, after losing Chinese customer
Two years ago city waived the manufacturers' $1.3 million tax bill to keep plant open

redpajama_set_name: RedPajamaCommonCrawl


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Tilted Kilt:
Tilted Kilt Welcomes Spring with Kabobs and Cocktails
By: Tilted Kilt | 0 Shares 74 Reads
National Sports Pub Debuts Seasonal Food and Drink Menu Available April 3 to June 11
TEMPE, Ariz. - April 08, 2017 - (BUSINESS WIRE) - Tilted Kilt Pub & Eatery®, a sports Pub where "A Cold Beer Never Looked So Good®" has unveiled its newest menu offerings just in time for the spring season.
Paying homage to the old public houses of America, England, Scotland, and Ireland by combining classic Celtic décor, sexy servers, and traditional pub fare under one roof, the popular Arizona-based franchise is providing guests with a taste of summer in the form of kabobs and cocktails. Available from April 3 through June 11, three innovative kabob creations incorporating classic cookout flavors of seared meats and grilled veggies will be added to the menu, including:
Shrimp Kabobs - Fresh shrimp seared on the grill with crisp peppers, onions, and zucchini, served over a bed of rice.
Chicken Kabobs - Marinated chicken breast, grilled up with peppers, mushrooms, onions, and zucchini, served over a bed of rice.
Steak Kabobs - Tender cuts of steak paired with grilled peppers, onions, and zucchini, served over a bed of rice.
To complement the kabobs, guests are encouraged to cool down by indulging in a seasonal selection of refreshing cocktails speaking to the restaurant's wide variety of seasonal flavors. Some noteworthy items on the new lineup include:
Jerry's Backyard Lemonade - Sailor Jerry Rum, iced tea, lemon juice, Monin Pure Cane Sugar syrup, lemon wedge.
Irish Bull - Jameson Irish Whiskey, pineapple juice, lime juice, Monin Pure Can Sugar syrup, Red Bull Yellow Edition.
Tilted Ginger - Deep Eddy Ruby Red Vodka, lime juice, Monin Pure Can Sugar syrup, Canada Dry Ginger Ale, lime wedge.
"We recognize our guests' preferences evolve with the seasons and we're always thinking ahead to create new menu items catering to their taste buds," stated Ron Lynch, president of Tilted Kilt. "We're eager to see the reactions to the Kabobs and Cocktails and confident they'll be well-received."
Tilted Kilt has more than 80 locations across the United States and Canada and boasts a wide array of sports and traditional pub food and drinks all under one roof. Combined with pool tables, dart boards, large TVs and additional amenities, the Tilted Kilt is the best place to watch sports and hang out with friends. Humorous and slightly bawdy limericks are seen throughout the pub, creating an atmosphere that is fun and entertaining.
For more information about Tilted Kilt or to find your nearest location, visit tiltedkilt.com.
About Tilted Kilt
Tilted Kilt Pub and Eatery, known as "The Best Looking Sports Pub You've Ever Seen," has 80+ units in operation throughout the U.S. and Canada, with additional 20 pubs in various stages of development. Tilted Kilt is uniquely different than other sports bars because of its fun pub experience. The pubs feature dozens of large, HDTVs and big screens to show all the hottest sporting events. Every Pub has 30+ draught and bottled beers along with excellent tasting, high quality menu items served to you by the World Famous Kilt Girls ®. The Tilted Kilt Girls and Guys are inviting and represent the comfortable atmosphere while simultaneously demonstrating a high level of service in the industry. The brand's slogan "A Cold Beer Never Looked So Good ®" personifies the Fun, Food, Spirits and Sports that the Tilted Kilt is well-known for bringing to pub guests in both the United States and Canada.
Toni Lewin
Fishman Public Relations
tlewin@fishmanpr.com
SOURCE Tilted Kilt
Tilted Kilt
Tilted Kilt, known as "The Best Looking Sports Pub You've Ever Seen," has over 100 units in operation throughout the U.S. and Canada, with additional 20 pubs in various stages of development.


Vouchers from a local family owned business to give you peace of mind, and your family assistance at their time of loss.
Lymn Vouchers are available exclusively for purchase from A.W. Lymn The Family Funeral Service.
They can be used as a contribution towards the cost of services provided by any division of the A.W. Lymn group.
If the vouchers holder dies more than six months after purchasing, every £10.00 of Lymn Vouchers will reduce the cost of their funeral by £12.00 when provided by A.W. Lymn The Family Funeral Service.
Some people choose to pre-arrange and pre-pay for their funeral and those with sufficient funds, now several thousand pounds, usually purchase a plan from A.W. Lymn. Many people do not have sufficient savings to do this, are unable to meet regular monthly payments or do not wish to restrict their family's options by committing them to a fully detailed funeral plan.
Without purchasing a funeral plan it is very difficult to budget for unexpected funeral related expenses. Traditionally people kept "cash under the bed" or money in a savings account for this purpose. This is not recommended as it is not safe to keep cash in the house and the interest earned in small saving accounts is minimal. Lymn Vouchers provide the ideal alternative. No large capital sum is required, no monthly commitment is necessary, the money is safe and the Lymn Vouchers, unlike a funeral plan, can be used towards the cost of vehicle hire, memorial work, flowers, donations, release of doves, a pre-paid funeral plan or, if the voucher holder dies, they can be used towards the cost of their funeral. Further if this is more than six months after the issue date and A.W. Lymn The Family Funeral Service is contracted for the funeral, £12.00 will be allowed for each £10.00 of Lymn Vouchers presented.


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Hip-Hop, Jazz USA www.kendricklamar.com
Kraków Live Festival 2018 Kraków, The Polish Aviation Museum 17/8 – 18/8/2018 Tickets Save Saved Loading
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Kendrick Lamar Humble. 3:04 37 ×
Kendrick Lamar DNA. 4:46 10 ×
Kendrick Lamar & SZA All The Stars 3:57 4 ×
Kendrick Lamar & Rihanna Loyalty. 4:00 6 ×
Kendrick Lamar & Zacari Love. 3:43 3 ×
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Mac Miller & Kendrick Lamar Fight The Feeling 4:59 3 ×
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About Kendrick Lamar
Kendrick Lamar is an American rapper and songwriter. Born and raised in Compton, California, Lamar embarked on his musical career as a teenager under the stage name K-Dot, releasing a mixtape that garnered local attention and led to his signing with indie record label Top Dawg Entertainment (TDE). He began to gain recognition in 2010, after his first retail release, Overly Dedicated. The following year, he independently released his first studio album, Section.80, which included his debut single, "HiiiPoWeR". By that time, he had amassed a large online following and collaborated with several prominent artists in the hip-hop industry, including The Game, Busta Rhymes, and Snoop Dogg. Lamar's major label debut album, good kid, m.A.A.d city, was released in 2012 by TDE, Aftermath, and Interscope Records to critical success. It debuted at number two on the US Billboard 200 chart and was later certified platinum by the Recording Industry Association of America (RIAA). The record contained the top 40 singles "Swimming Pools (Drank)", "Bitch, Don't Kill My Vibe", and "Poetic Justice". Lamar won his first Grammy Award for "i", the lead single from his critically acclaimed third album To Pimp a Butterfly (2015). The album, drawing on free jazz, funk, soul, and spoken word, debuted atop the charts in the US and the UK, and won the Grammy Award for Best Rap Album at the 58th ceremony. In 2016, Lamar released Untitled Unmastered, a collection of unreleased demos that originated during the recording sessions for Butterfly. He released his fourth album Damn in 2017 to further acclaim; its lead single "Humble" topped the US Billboard Hot 100 chart.
Jagła
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GoOut.net > Artists > Kendrick Lamar


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Professor at the Cornell School of Hotel Administration
"We are approaching a phase where we can expect travel, hospitality and services in general to take a pretty solid uptick – especially those which are centralized, like airlines, cruise and major hotel brands. While the U.S. and many other countries are experiencing record numbers of positive cases – the recent vaccine announcements combined with key initiatives bode well for a return to travel."
Adam Seth Litwin
Associate Professor of Industrial and Labor Relations
Litwin says:
"In school, we learn that capital and labor can be adjusted with a dial. If only that were true. To build a skilled workforce, policymakers need to play the long game. Even by raising wages substantially right now, they can't instantly create more registered nurses or intensive care doctors. Times like these make that reality painfully clear.
"As much as we all want to return to normalcy, lockdowns may well be the most responsible measure. Even if the healthcare sector can somehow find more beds, it cannot just go out and buy more frontline caregivers – not when they are in demand across the globe. That means we have to rely on prevention, as treatment could become less and less of a viable alternative."
Related Tip Sheet: Hospitals face 'painfully clear' future: not enough caregivers (11/12/20)
Allen R. Carlson
Associate Professor in Cornell University's Government Department
"This development stands as further confirmation of Beijing's intentions regarding Hong Kong: to bring it to heel, to root out any voices that oppose such a development, and assert more direct control than ever before over the once autonomous city-state."
Related Tip Sheet: Hong Kong resignations may end one country, two systems (11/11/20)
Lori Khatchadourian
associate professor at the department of Near Eastern Studies and a scholar of the Soviet and post-Soviet Caucasus
"Azerbaijan has a bleak track record when it comes to protecting Armenian cultural heritage within its borders, as the destruction of Christian funerary monuments in Djulfa shows. The strategy has been one of systematic erasure."
Related Tip Sheet: Armenia-Azerbaijan ceasefire puts 'treasures of human history' at risk (11/11/20)
Goldwin Smith Professor of Anthropology
"International bodies must establish a task force charged with preventing crimes of heritage erasure before they start."
Colleen Carey
Assistant Professor of Policy Analysis & Management
"Pharmaceutical companies will be poised to deliver vaccines and therapeutics that could let the country emerge from the pandemic. Their bargaining position has never been better, and their key ask is going to be the end of Canadian importation plans and the continuation of high prices for Medicare drugs."
Related Tip Sheet: Biden focuses on health care, but pharma firms have upper hand (11/10/20)
Economics and Business , Law School
Michael Huyghue
Visiting Professor of the Practice at the Law School
"The pandemic has played havoc with revenues, but the holy grail of revenues in professional sports is television rights fees payments. The restart of the NBA seems to imply that the networks are satisfied with their coverage and ratings and optimistic about increased and sustained ratings going forward."
Related Tip Sheet: NBA rules imply optimistic TV ratings, but bubbles may stay (11/10/20)
"Ten years ago, pundits would surely have predicted that Democrats and Republicans would have come together against a global pandemic with the potential – now already happening – to kill millions of people worldwide. Instead, our best defenses while waiting for a vaccine have become new tribal symbols. That is an alarm bell that polarization may have crossed a tipping point."
Related Tip Sheet: If COVID-19 can't foster political unity, what can? (11/09/20)
"A highly effective vaccine exceeding most prior estimates could be a game changer with the public."
Related Tip Sheet: Pfizer vaccine efficacy could be a 'game changer' (11/09/20)
"If confirmed by additional data, our research shows these efficacy levels would play a key role in convincing a skeptical public to take the vaccine."


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Home > Member Benefits > Member Profiles > Martin J. Smith
Granby, CO
Twitter @MartinSmithEdit
Mystery & Crime, General Non-Fiction, Journalism, Essays
Susan Ginsburg
Martin J. Smith
Martin J. Smith is a veteran journalist and magazine editor who has won more than fifty newspaper and magazine writing awards, and whose crime novels have been nominated for three of the publishing industry's most prestigious honors, including the Edgar Award, the Anthony Award, and the Barry Award. His 2012 nonfiction book, "The Wild Duck Chase," about the Federal Duck Stamp Contest and the strange and wonderful world of competitive duck painting, inspired Brian Golden Davis' documentary film "The Million Dollar Duck," which won both the Jury and Audience awards at the 2016 Slamdance Film Festival. He also is a former senior editor of the Los Angeles Times Magazine, and was editor-in-chief of Orange Coast magazine in Orange County, Calif., between 2007 and 2016, during which time the Western Publishing Association five times named Orange Coast the best city/metropolitan magazine in the western U.S., including four consecutive wins between 2013 and 2016.
Mr. Las Vegas Has a Bad Knee
"Mr. Las Vegas Has a Bad Knee" is a collection of Smith's essays about the people, places, and peculiarities of the American Southwest, where he lived and worked between 1985 and 2016. The Los Angeles Review of Books called the collection "compelling and readable," and called Smith "a master of the essay and human interest profile form" and "one of the best nonfiction writers today."
The Disappeared Girl
The Wild Duck Chase
Oops: 20 Life Lessons from the Fiascoes That Shaped America
Poplorica: A Popular History of the Fads, Mavericks, Inventions, and Lore That Shaped Modern America
Straw Men
Shadow Image
Finalist, Anthony Award (1998) Finalist, Edgar Award (2002) Finalist, Barry Award (2002)
Review of "Mr. Las Vegas Has a Bad Knee" from the Los Angeles Review of Books
Review of "The Wild Duck Chase" from Publishers Weekly
Review of "Combustion" from Publishers Weekly
Feature story about female characters (including Smith's alpha female Brenna Kennedy) from Publishers Weekly
Interview with crime novelist Martin J. Smith from January Magazine
Interview with crime novelist Martin J. Smith in The Internet Writing Journal
Archive of Martin J. Smith's culture essays from Denver's 5280 Magazine


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Recent NewsView All News
Godfread Announces Approved 2021 Health Insurance Rates
Wednesday, October 21, 2020 - 08:00am
Categories: all, Consumers, Health Insurance
Insurance Commissioner Jon Godfread today released the approved health insurance rates for both individual and small group plans for 2021, and encourages consumers to start early, stay informed and shop around.
Insurance Department to Begin Scheduling Medicare Part D Counseling Appointments on Oct. 5
Thursday, October 1, 2020 - 09:00am
Categories: all, Consumers, Medicare
Insurance Commissioner Jon Godfread today announced that the Insurance Department will begin scheduling telephone counseling appointments for Medicare Part D on Monday, Oct. 5, for appointments beginning after Oct. 15.
Godfread Proposes New North Dakota-focused Legacy Fund Policy
Monday, September 28, 2020 - 09:00am
Insurance Commissioner Jon Godfread has called upon the State Investment Board (SIB) to begin investing a portion of the Legacy Fund in investment projects within North Dakota. Godfread, who serves as one of three statewide elected officials on the SIB, proposed a new "strategic vision plan that will bring needed capital to new and existing North Dakota businesses."
Godfread Presents First-of-its-kind Health Care Study to Health Care Committee
Thursday, September 10, 2020 - 12:00am
Categories: all, Health Care Reform, Health Insurance, Legislation
Insurance Commissioner Jon Godfread today presented the North Dakota 66th Legislative Assembly Interim Health Care Study to the legislative Health Care Committee. During the 66th Legislative Session, the North Dakota Insurance Department was tasked with assisting Legislative Management in conducting an interim study of health insurance premium trends. The study is unique because the legislature foresaw the need to look beyond insurance carriers and authorized the collection of data from hospitals within North Dakota.
Insurance Commissioner Issues Bulletin Addressing Coverage for COVID-19 Testing, Including Antibody Testing
Monday, May 18, 2020 - 11:00am
Categories: all, Companies, Consumers, Health Insurance, Producers
Insurance Commissioner Jon Godfread today announced the issuance of Bulletin 2020-10 addressing coverage for COVID-19 (coronavirus) testing in response to Executive Order 2020-03 by Governor Doug Burgum. This new bulletin builds upon Bulletin 2020-1.1 in which health carriers and travel insurers are asked to identify and remove barriers to testing and treatment for COVID-19.
Insurance Commissioner Announces Availability of Online Producer Licensing Testing
Monday, April 20, 2020 - 10:00am
Categories: all, Producers
Insurance Commissioner Jon Godfread today announced the availability of an online, remotely proctored testing application called ProProctor™, offered by Prometric, the producer licensing testing and assessment provider for North Dakota.
Insurance Commissioner Encourages NFIP Policyholders to Take Advantage of Grace Period Extension
Tuesday, April 7, 2020 - 08:30am
Categories: all, Consumers
Insurance Commissioner Jon Godfread today encouraged renters, homeowners, farmers and business owners to take advantage of the recently announced flood insurance renewal grace period extension.
Insurance Department and Insurance Companies Collaborate to Benefit North Dakota Consumers
Monday, April 6, 2020 - 04:30am
Insurance Commissioner Jon Godfread today applauded the issuance of "Shelter-in-Place-Payback" to car insurance drivers insured by Allstate and the creation of the "Return of Premium Relief Fund" by American Family Insurance. Allstate and American Family Insurance are returning savings resulting from the COVID-19 pandemic. Both Allstate and American Family Insurance have acknowledged that they arrived at these relief options for customers, in part, as a result of various bulletins and guidance from the North Dakota Insurance Department.
Insurance Commissioner Issues Bulletins to Protect North Dakotans During COVID-19 Pandemic
Monday, March 30, 2020 - 02:00pm
Insurance Commissioner Jon Godfread today announced the issuance of seven bulletins in response to executive orders made by Governor Doug Burgum and in the interest of protecting North Dakotans during the COVID-19 (coronavirus) pandemic. COVID-19 is a highly contagious, viral disease for which the only known method of prevention is to avoid being exposed to the virus by reducing contact with other individuals.
NDID Office Locations No Longer Taking Walk-in Traffic Until May 1, 2020
Tuesday, March 17, 2020 - 05:00pm
Categories: all, Consumers, Department
To better protect the health of our employees and consumers, North Dakota Insurance Department office locations will not be taking walk-in traffic until May 1, 2020.
If you need to contact NDID, we encourage you to do so via email at insurance@nd.gov.
If you are unable to contact NDID via email, please call our main phone number at (701) 328-2440 or our Consumer Hotline at (800) 247-0560.
Information and updates about NDID can be found on our website at www.insurance.nd.gov.
Insurance Commissioner Issues Bulletin Supporting Coverage for Coronavirus (COVD-19) Testing
Wednesday, March 11, 2020 - 12:00am
Insurance Commissioner Jon Godfread today issued a Bulletin to all North Dakota health and travel insurance companies regarding coverage and access to testing for Coronavirus Disease 2019 (COVID-19). The bulletin urges companies to waive cost sharing requirements for the testing of COVID-19 and encourages health insurance companies to review other operations in preparation for COVID-19 potentially coming to North Dakota.
Insurance Commissioner Collaborates with AAIS and IBM to Bring New Data Solution to North Dakota
Wednesday, February 26, 2020 - 08:30am
Categories: all, Companies, Department
Insurance Commissioner Jon Godfread today brought together members of the North Dakota insurance industry to introduce a new data solution called Insurance Data Link (openIDL), governed by AAIS, a statistical agent and advisory organization, on IBM Blockchain. The openIDL is the first blockchain platform that enables efficient and secure sharing of statistical data like policy count, premium volume, claims and loss experience data.
Godfread Issues Cease and Desist to Air Ambulance Company for Breaking North Dakota Law
Monday, February 10, 2020 - 10:30am
Categories: all, Air Ambulance
Insurance Commissioner Jon Godfread today issued a cease and desist order to AirMedCare Network for selling air ambulance subscriptions to North Dakotans illegally. Consumer protection legislation enacted in 2017 banned the sale of air ambulance subscriptions in North Dakota.
Insurance Commissioner Urges Consumers Not to Wait to Purchase Flood Insurance
Categories: all, Consumers, Producers
Insurance Commissioner Jon Godfread today encouraged renters, homeowners, farmers and business owners to better understand their flood risk and insurance coverage following a wet autumn and heavy winter snowfall.
Open Enrollment Period Extended, Will End on December 18
Monday, December 16, 2019 - 03:55pm
The North Dakota Insurance Department was informed today that the Centers for Medicare & Medicaid Services (CMS) has extended the Open Enrollment Period to accommodate consumers who attempted to enroll in coverage during the final hours of Open Enrollment but who may have experienced issues. The deadline to sign up for Jan. 1, 2020 coverage is now 2 a.m. CST on Dec. 18, 2019.
Godfread Presents Health Insurance Report to Health Care Committee in Grand Forks
Wednesday, November 20, 2019 - 02:00pm
Categories: all, Consumers, Health Care Reform, Health Insurance
Insurance Commissioner Jon Godfread today presented the Private Health Insurance Market Report for 2014-2018 to the legislative Health Care Committee at the University of North Dakota School of Medicine and Health Sciences in Grand Forks. The report was compiled to provide North Dakotans with more information about the health insurance market in North Dakota.
Godfread Claims World's Tallest Politician Title from Brooklyn City Councilman
Tuesday, November 12, 2019 - 09:00am
Insurance Commissioner Jon Godfread today announced that he has been named World's Tallest Politician (male) by Guinness World Records. Godfread's official height is 6 feet, 10 inches (210.767 centimeters) tall as verified in Bismarck on Oct. 4, 2019.
2019 Medicare Part D Annual Enrollment Events to Include Extended Hours in Fargo, Minot and Bismarck
Wednesday, October 9, 2019 - 08:00am
The Insurance Department will again be hosting nine, statewide Medicare Part D Annual Enrollment Events beginning on Tuesday, Oct. 15 in Grand Forks. The events will provide Medicare beneficiaries of all ages with the opportunity to review, plan or shop for coverage options with the assistance of trained, volunteer counselors. This year, the hours of operation have been extended for the Fargo, Minot and Bismarck events, communities where attendance has been highest in past years.
Godfread Announces Decrease of 20 Percent on Average in Individual Health Insurance Rates with Reinsurance Program
Tuesday, October 1, 2019 - 08:00am
Categories: all, Companies, Consumers, Health Care Reform, Health Insurance, Legislation, Medicare
Insurance Commissioner Jon Godfread today released the approved health insurance rates for both individual and small group plans for 2020. Godfread approved the 2020 rates which average up to 20% in savings for North Dakotans purchasing an individual health insurance plan due to the implementation of the state-based reinsurance program.
Insurance Department Investigation Leads to Fraud Conviction for Bismarck Man
Friday, September 20, 2019 - 08:00am
Categories: all, Insurance Fraud
Insurance Commissioner Jon Godfread today announced that Akeem Foster of Bismarck was sentenced in Burleigh County District Court after pleading guilty to one count of a class C felony theft by deception and class A misdemeanor acting as a bail bond agent without a license following an investigation conducted by the North Dakota Insurance Department.
Godfread Appoints Arnold as Deputy Insurance Commissioner and Palsgraaf as General Counsel
Tuesday, September 17, 2019 - 08:00am
Categories: all, Department
Insurance Commissioner Jon Godfread announced today that he has appointed John Arnold as Deputy Insurance Commissioner and Johnny Palsgraaf as General Counsel.
Godfread Announces Federal Approval of State-based Reinsurance Program for Individual Health Insurance Market
Thursday, August 1, 2019 - 10:00am
Categories: Companies, Consumers, Department, Health Care Reform, Health Insurance, Legislation, Producers
Insurance Commissioner Jon Godfread announced today that the proposed state-based reinsurance program developed by the North Dakota Insurance Department for the individual health insurance market has been approved by the federal government and will be in place for the 2020 health insurance plan year.
Insurance Commissioner Urges Senate to Pass Legislation Protecting Consumers from Air Ambulance Balance Bills
Thursday, July 11, 2019 - 08:00am
Categories: all, Air Ambulance, Consumers, Legislation
Insurance Commissioner Jon Godfread, sent a letter on July 2, 2019, to Senate leaders Mitch McConnell (R-KY) and Charles Schumer (D-NY), North Dakota Senators John Hoeven (R-ND) and Kevin Cramer (R-ND), and the rest of the U.S. Senate expressing his support for section 105 of the Lower Health Care Costs Act prohibiting surprise bills from air ambulance providers.
Insurance Commissioner Fines Blue Cross Blue Shield of North Dakota $125,000 as a Result of Market Conduct Examination
Tuesday, July 9, 2019 - 08:00am
Categories: all, Companies, Consumers, Department, Health Insurance, Producers
Insurance Commissioner Jon Godfread today issued a Consent Order finalizing a yearlong market conduct examination of Blue Cross Blue Shield of North Dakota (BCBSND).
Insurance Department First State Agency in North Dakota to Launch LiveChat on Redesigned Website
Monday, July 1, 2019 - 08:00am
Categories: all, Companies, Consumers, Department, Producers
Insurance Commissioner Jon Godfread today announced the launch of the North Dakota Insurance Department's LiveChat application on its redesigned website.
Insurance Department Files Fraud Charges Against Two Individuals Totaling Nearly $29,000
Wednesday, June 12, 2019 - 08:00am
Categories: all, Consumers, Department, Insurance Fraud, Producers
Insurance Commissioner Jon Godfread, in partnership with the Cass County and Burleigh County State's Attorney's Offices, today announced the filing of insurance fraud charges against two individuals, Scott Goebel of Fargo, ND, and Marcus Lavallie of Bismarck, ND.
Burgum Signs Bill Establishing Reinsurance for North Dakota's Individual Health Insurance Market
Monday, April 22, 2019 - 01:00pm
Categories: all, Companies, Consumers, Department, Health Care Reform, Health Insurance, Legislation, Producers
Insurance Commissioner Jon Godfread today praised the signing of Insurance Department legislation House Bill 1106, relating to the establishment of an invisible reinsurance pool for the individual health insurance market, by Governor Doug Burgum.
Insurance Department Opens Public Comment Period on Proposed State Reinsurance Program
Friday, April 5, 2019 - 08:30am
Categories: all, Companies, Consumers, Health Care Reform, Health Insurance, Producers
Insurance Commissioner Jon Godfread announced today that the North Dakota Insurance Department is opening a 31-day public comment period on the proposed state reinsurance program for the individual health insurance market. The comment period will run from April 5 to May 6, 2019.
HB 1106 Relating to Invisible Reinsurance Pool Passes the House with Unanimous Vote
Thursday, February 21, 2019 - 08:00am
Insurance Department proposed legislation, HB 1106 relating to the establishment of an invisible reinsurance pool for the individual health insurance market, passed the North Dakota House of Representatives on Tuesday with a unanimous do pass vote.
Insurance Department Investigation Leads to Fraud Conviction for Williston Chiropractor
Insurance Commissioner Jon Godfread today announced that Dr. Sheryar Masud of Williston, ND, was sentenced in Cass County District Court after pleading guilty to one count of a class A felony fraudulent insurance act following an investigation conducted by the North Dakota Insurance Department.
Godfread Nominated for Federal Air Ambulance Billing Advisory Committee as Judge Issues Split Decision in North Dakota Lawsuit
Categories: all, Air Ambulance, NAIC
Insurance Commissioner Jon Godfread announced today that he has been nominated by the National Association of Insurance Commissioners (NAIC) to serve as the state insurance regulator on the Air Ambulance and Patient Billing Advisory Committee recently created by Congress.
Insurance Department Encourages Consumers to Shop Around as Open Enrollment Period Begins
BISMARCK, N.D. – As the 2019 Open Enrollment Period begins on Nov. 1 and ends Dec. 15, many North Dakotans must soon make critical decisions about their 2019 health insurance amid a barrage of news and opinions regarding healthcare. To help make the most informed decisions possible, the North Dakota Insurance Department encourages consumers to streamline their health insurance research process.
Insurance Commissioner Recognized by Autism Speaks as 2018 Executive Champion
BISMARCK, N.D. – Insurance Commissioner Jon Godfread was recognized as a 2018 Executive Champion by Autism Speaks in appreciation of exceptional advocacy on behalf of individuals with autism in North Dakota earlier this month.
Additional Date Scheduled for 2018 Medicare Part D Annual Enrollment Events
Categories: all, Consumers, Health Insurance, Medicare
BISMARCK, N.D. – The Insurance Department will be hosting a series of nine, statewide Medicare Part D Annual Enrollment Events beginning on Tuesday, Oct. 16 in Grand Forks.
Insurance Department Releases Health Insurance Reform Study Findings and Approved ACA Health Insurance Rates
Wednesday, September 26, 2018 - 08:00am
BISMARCK, N.D. – Insurance Commissioner Jon Godfread today presented the findings from a study preformed to better understand the options available and potential impact of attempting to stabilize the individual health insurance market in North Dakota to the interim Health Care Reform Review Committee.
Insurance Commissioner Issues Bulletin Supporting Treatments for Autism Spectrum Disorder
BISMARCK, N.D. – Insurance Commissioner Jon Godfread today issued a Bulletin to all North Dakota health insurance carriers providing coverage for Autism Spectrum Disorder notifying them that treatments for autism cannot be excluded from an insurance policy.
Insurance Commissioner Offers Tips for Preventing Fraud as Beneficiaries Receive New Medicare Cards
Tuesday, July 10, 2018 - 08:00am
BISMARCK, N.D. – Insurance Commissioner Jon Godfread today alerted North Dakota Medicare beneficiaries that they will be receiving new Medicare cards from the Centers for Medicare & Medicaid Services (CMS) in an effort to better protect their safety and security.
Insurance Commissioner Issues Statement on the Association Health Plan Final Rule
Tuesday, June 26, 2018 - 08:00am
Categories: all, Health Insurance
BISMARCK, N.D. – Insurance Commissioner Jon Godfread issued the following statement today in response to the U.S. Department of Labor's issuance of the Final Rule on Association Health Plans (AHPs) on June 19, helping millions of Americans obtain quality, affordable health coverage.
Insurance Department to Analyze Options for Health Insurance Reform in North Dakota
Tuesday, May 8, 2018 - 08:00am
Categories: all, Health Care Reform
BISMARCK, N.D. – Insurance Commissioner Jon Godfread today announced the North Dakota Insurance Department is seeking to work with a consultant in order to perform actuarial and other analysis of state proposals to reform North Dakota's individual health insurance market.
Insurance Department Files Fraud Charge Against Burleigh County Man
Friday, April 27, 2018 - 08:00am
BISMARCK, N.D. – Insurance Commissioner Jon Godfread, in partnership with the Bismarck Police Department and the Burleigh County State's Attorney's Office, today announced the filing of an insurance fraud charge against James Lagein of Bismarck, ND.
Godfread Announces Examination of Blue Cross Blue Shield Behavioral Health and Substance Abuse Coverage Practices
Categories: all, Companies, Health Insurance
BISMARCK, N.D. – Insurance Commissioner Jon Godfread today announced a market conduct examination of Noridian Mutual Insurance Company, which sells health insurance in North Dakota as Blue Cross Blue Shield of North Dakota (BCBSND).
Consumer Protection Legislation Regarding Air Ambulance Billing Now in Effect
Wednesday, January 3, 2018 - 08:00am
Categories: all, Air Ambulance, Legislation
BISMARCK, N.D. – Insurance Commissioner Jon Godfread today reminded North Dakota consumers that the new state law regulating how health insurance companies pay out-of-network air ambulance claims became effective Jan. 1, 2018.
Insurance Department Partners with VA to Reimburse Veterans for Exam Fees
Thursday, December 21, 2017 - 08:00am
BISMARCK, N.D. – Insurance Commissioner Jon Godfread today announced that as of Dec. 8, 2017, veterans who have taken or plan to take any of the nine North Dakota insurance producer exams after June 1, 2017, qualify to be reimbursed for their exam fee through a partnership between the North Dakota Insurance Department and the Veterans Educational Assistance Program (VEAP), a program of the U.S. Department of Veterans Affairs (VA).
Insurance Department Recovers $5.5 Million for North Dakota Life Insurance Beneficiaries
Wednesday, December 20, 2017 - 08:00am
BISMARCK, N.D. – Insurance Commissioner Jon Godfread today announced the North Dakota Insurance Department has recovered more than $5.5 million for North Dakota life insurance beneficiaries through the examination of 30 top life insurers' use of the Social Security Administration's Death Master File (DMF).
Monday, October 30, 2017 - 08:00am
BISMARCK, N.D. – As the 2018 Open Enrollment Period will begin on Nov. 1 and end Dec. 15, many North Dakotans must soon make critical decisions about their 2018 health insurance amid a barrage of news and opinions regarding healthcare.
Sanford Health Plan to Remain on the ACA Individual Health Insurance Exchange in 2018
Thursday, October 26, 2017 - 08:00am
BISMARCK, N.D. – Insurance Commissioner Jon Godfread today confirmed that Sanford Health Plan will offer coverage on the Affordable Care Act (ACA) Exchange for individual health insurance plans in some North Dakota counties for 2018.
Insurance Commissioner to Deny Additional Rate Increases Following Non-payments of CSRs
Tuesday, October 17, 2017 - 08:00am
BISMARCK, N.D. – North Dakota Insurance Commissioner Jon Godfread announced yesterday in a live television interview that after careful consideration, following President Donald Trump's announcement regarding non-payments of cost sharing reductions (CSRs) to insurance carriers, he will deny any additional rate increases to individual health insurance premium rates for Affordable Care Act (ACA)-compliant plans to be offered in North Dakota beginning Jan. 1, 2018.
Insurance Commissioner to Kick Off Medicare Part D Annual Enrollment Events in Grand Forks
Friday, October 13, 2017 - 08:00am
BISMARCK, N.D. – Insurance Commissioner Jon Godfread will kick off a series of eight, statewide Medicare Part D Annual Enrollment Events in Grand Forks on Tuesday, Oct. 17.
Insurance Department Releases Approved ACA Health Insurance Premiums, Encourages Consumers to Shop
Friday, October 6, 2017 - 08:00am
BISMARCK, N.D. – The North Dakota Insurance Department today announced the approved health insurance premium rates for Affordable Care Act (ACA)-compliant individual and group plans to be offered in North Dakota beginning Jan. 1, 2018.
Medica Leaving North Dakota Individual Health Insurance Exchange in 2018
Categories: all, Companies, Consumers, Health Insurance
BISMARCK, N.D. – Insurance Commissioner Jon Godfread today confirmed that the Insurance Department was informed late Wednesday, Sept. 27, that Medica does not intend to sign an agreement with the federal government to offer coverage on the Affordable Care Act (ACA) Exchange for their individual health insurance in North Dakota for 2018.
Insurance Commissioner Provides Recommendations to Senate Committee on Health, Education, Labor and Pensions
BISMARCK, N.D. – Insurance Commissioner Jon Godfread, sent a letter Friday to Senate Committee on Health, Education, Labor and Pensions Chair, Senator Lamar Alexander (R-TN), in response to a request for recommendations on legislative changes to give states additional flexibility in stabilizing their individual market and developing broader state-based insurance coverage reforms.
Insurance Department Receives Accreditation at NAIC Summer Meeting
Thursday, August 17, 2017 - 08:00am
Categories: all, NAIC
BISMARCK, N.D. – Insurance Commissioner Jon Godfread, along with six other Insurance Department employees, joined insurance regulators from across the U.S. last week for the National Association of Insurance Commissioners (NAIC) summer meeting in Philadelphia, PA.
Insurance Department Releases Comprehensive Summary of 2017 Legislative Session
Tuesday, August 1, 2017 - 08:00am
Categories: all, Legislation
BISMARCK, N.D. – Insurance Commissioner Jon Godfread today released a comprehensive summary of insurance legislation passed during the 2017 Legislative Session.
Insurance Department Releases Air Ambulance Participation Guide
Monday, July 31, 2017 - 08:00am
BISMARCK, N.D. – The Insurance Department today released a guide to hospitals for consumers showing which air ambulance companies operating in North Dakota have contractual agreements (in-network) with the state's three major health insurance companies – Blue Cross Blue Shield of North Dakota, Sanford Health Plan and Medica.
Insurance Department Files Fraud Charge Against Morton County Man
BISMARCK, N.D. – Insurance Commissioner Jon Godfread today announced the recent insurance fraud charge filed against Joshua Kadrmas, of Mandan, ND. Kadrmas is scheduled for a first appearance in court on August 22 in Morton County.
Insurance Commissioner Urges North Dakotans to Know What to Do After A Severe Summer Storm
Thursday, June 29, 2017 - 08:00am
BISMARCK, N.D. – With the summer season officially underway, Insurance Commissioner Jon Godfread urges North Dakotans to be prepared and know what to do after a severe summer storm if they've suffered damages or loss.
Insurance Commissioner Signs Letter Denouncing California's Climate Risk Carbon Initiative
BISMARCK, N.D. – Insurance Commissioner Jon Godfread, along with commissioners from Alabama, Indiana, Kentucky, Montana and Oklahoma, sent a letter Tuesday to California Commissioner Dave Jones expressing their concern for his Climate Risk Carbon Initiative and asking that he cease it immediately.
Insurance Commissioner Encourages Professional Development and Collaboration Through Attendance at NAIC Spring Meeting
Wednesday, April 26, 2017 - 08:00am
Categories: all, Department, NAIC
BISMARCK, N.D. – Insurance Commissioner Jon Godfread, along with five other Insurance Department employees, joined insurance regulators from across the U.S. earlier this month for the National Association of Insurance Commissioners (NAIC) spring meeting in Denver.
North Dakota Passes Law Protecting Consumers from Massive, Unexpected Air Ambulance Bills
Tuesday, April 18, 2017 - 08:00am
BISMARCK, N.D. – Insurance Commissioner Jon Godfread today praised the signing of Senate Bill 2231, regarding the regulation of how insurance companies pay for air ambulance services in North Dakota.
Insurance Commissioner Encourages North Dakotans to Prepare for Flood Risk
Monday, March 20, 2017 - 08:00am
BISMARCK, N.D. – Insurance Commissioner Jon Godfread today encouraged renters, homeowners and business owners to better understand their flood risk and insurance coverage following heavy winter snowfall.
Insurance Commissioner Encourages Individuals Considering Driving for a Ride-hailing Service to Review Their Car Insurance Policy
Friday, March 3, 2017 - 08:00am
BISMARCK, N.D. – Following recent announcements made by Lyft and Uber regarding the expansion of services in North Dakota, Insurance Commissioner Jon Godfread today encourages individuals considering driving for a ride-hailing service to review their auto insurance policy.
Insurance Commissioner Issues Statement on President Trump's Address to Congress
Wednesday, March 1, 2017 - 08:00am
BISMARCK, N.D. – Insurance Commissioner Jon Godfread issued the following statement today in response to President Donald Trump's remarks on the future of health care reform in the United States during his address to Congress on Tuesday night.
Insurance Department Investigation Leads to Arrest of Ward County Man for Fraud
Tuesday, February 28, 2017 - 08:00am
BISMARCK, N.D. – Insurance Commissioner Jon Godfread today announced the recent arrest of Weston Aho, 28, of Sawyer, ND. Aho was charged with insurance fraud, a class C felony, and is scheduled to appear in court on March 13 in Ward County.
Insurance Department Reaches $1.5 Million Agreement with Ameriprise
Tuesday, February 7, 2017 - 08:05am
Categories: all, Companies
BISMARCK, N.D. – Insurance Commissioner Jon Godfread today announced the North Dakota Insurance Department has reached a $1.5 million multi-state life insurance agreement with Ameriprise regarding its use of the Social Security Administration's Death Master File (DMF).
Kelsch Joins the Insurance Department
BISMARCK, N.D. – Ashley Kelsch has recently joined the North Dakota Insurance Department as the Public Information Officer. Kelsch previously served as Communications for Governor Jack Dalrymple.
Commissioner Godfread Provides ACA Reform Recommendation to Congress
BISMARCK, N.D. – North Dakota Insurance Commissioner Jon Godfread provided written recommendation to members of Congress last Friday regarding opportunities to reform the Affordable Care Act (ACA).
Insurance Commissioner Godfread Appoints Ubben and Ost on First Day in Office
Tuesday, January 3, 2017 - 08:00am
Bismarck, N.D. - Insurance Commissioner Jon Godfread today appointed Jeff Ubben as deputy insurance commissioner and Marcy Ost as executive assistant as part of his first official day in office
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NDID Offices Closed
Monday, January 18, 2021 at 08:00 am - 05:00 pm
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All North Dakota Insurance Department offices will be closed on Monday, January 18, in observance of Martin Luther King Jr. Day.
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All North Dakota Insurance Department offices will be closed on Monday, February 15, in observance of President's Day.
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text:
Keepsake (True North #3)
Lark Wainright used to be fearless. She led her life as a series of adventures, each one more exhilarating than the last. But her last overseas adventure was one too many. She's safe now, but her family is still consumed with worry and her nights are filled with terror.
When her best friend offers her a stay at the orchard in exchange for help at the farmers' markets, Lark jumps into her little car and heads to Vermont. But her night terrors don't stop. Desperate to keep her fragile state a secret, she relies on the most soft-spoken resident of the Shipley Farm to soothe her when her dreams prove too much.
Zachariah is a survivor, too. It's been four years since he was tossed aside by the polygamist cult where he grew up. He's found a peaceful existence on the Shipley's farm. He's good with animals, and he's good with his hands. But getting thrown away by your own people at nineteen leaves a mark on a guy. He doesn't always know what to make of a world where movie quotes are the primary means of communication. Before hitchhiking to Vermont, he'd never watched TV or spoken on the phone.
Actually, there are a lot of things he's never done.
Zach and Lark slowly grow to trust one another. One night they become even closer than they'd planned. But Lark may still be too broken to trust anyone. When she pushes Zach away, he will have to prove to himself that he's good for more than farm labor.


text:
Q: How to connect Expo to Ganache I am trying to connect my Typescript Expo app to a local Ganache node using ethers.js. Currently my code looks like this:
import React, {useEffect, useState} from 'react'
import {View, Text} from 'react-native'
import "react-native-get-random-values"
import "@ethersproject/shims"
import { ethers } from 'ethers'

const ganacheUrl = "http://127.0.0.1:7545"

const Portfolio:React.FC = () => {
    const provider = new ethers.providers.JsonRpcProvider(ganacheUrl)
    const signer = provider.getSigner()
    const [wallet,setWallet] = useState<Wallet>({privateKey:'',address:'',mnemonic:{phrase:''}})
    useEffect(() => {
        const newWallet = ethers.Wallet.createRandom()
        const connectedWallet = newWallet.connect(provider)
        const currentGas = connectedWallet.getGasPrice()
        setWallet({privateKey:connectedWallet.privateKey,address:connectedWallet.address,mnemonic:connectedWallet.mnemonic})
    },[])

    return(
        <View>
            <Text style={{color:theme.colors.textWhite}}>Your public address:</Text>
            <Text style={{color:theme.colors.textWhite}}>{wallet.address}</Text>
        </View>
    )
}

The public address is being displayed correctly, but when I try to get some on-chain data (like Gas Price) I get "NO-NETWORK" error. I suppose that my expo client can't connect to Ganache node because of the url , and the fact that native and web applications use different host notations (localhost vs 192.168.1.1) but I am not sure what exactly do I need to change to make this thing work.

A: I just found this post and have the same problem. But after looking at your post, I got an epiphany.
If you are using the ganache client, you can go to the settings and switch the server to your own Ethernet, otherwise, look if you have settings for your ganache-cli that can switch your setting to the IP address of your node server ip address so that the expo device can access the node within the local area network.
Etc. If your computer/machine running the ganache node has an IP of 192.168.12.4 then you put this instead as your node server IP and ganache defaults listen to port 8545. Hope this helps you although I am close to a year late here.

redpajama_set_name: RedPajamaStackExchange


text:
GoFundMe keeps gobbling up competitors, says it's "very good for the market"
Crowdfunding leader GoFundMe has agreed to acquire upstart rival YouCaring, the companies announced late yesterday, bringing further consolidation to an already concentrated industry. The companies declined to disclose the terms of the deal, beyond indicating that YouCaring's brand would over time be subsumed by GoFundMe, as existing YouCaring campaigns wind down. "We've had conversations on … Continue reading "GoFundMe keeps gobbling up competitors, says it's "very good for the market""
[Photo: PIRO4D/Pixabay]
By Ainsley Harris 1 minute Read
Crowdfunding leader GoFundMe has agreed to acquire upstart rival YouCaring, the companies announced late yesterday, bringing further consolidation to an already concentrated industry. The companies declined to disclose the terms of the deal, beyond indicating that YouCaring's brand would over time be subsumed by GoFundMe, as existing YouCaring campaigns wind down.
"We've had conversations on and off, and now was the right time for it to come together," GoFundMe CEO Rob Solomon told Fast Company.
Even before the acquisition, GoFundMe controlled roughly 90% of the social crowdfunding market in the U.S., and 80% of that market globally, according to the company's own analysis. But Solomon dismissed concerns that having a single "giving layer for the internet," as GoFundMe aspires to be, would disadvantage consumers by stifling competition.
"We think that it's ultimately very good for the market to give anyone who wants to raise funds, anyone who wants to donate funds, access to the best and most trusted brand and services," he said. "We want to be the first and only choice that people think about when they think about social fundraising."
YouCaring emerged as a popular alternative to GoFundMe last year, as Facebook users spread the word about YouCaring's tip-based model. Unlike GoFundMe, which at the time charged a 5% flat fee, YouCaring presented donors with a virtual "tip jar," which defaulted to 15% but could be set as low as 0%. (Both companies also charged standard transaction processing fees.) To combat YouCaring's momentum, spurred by viral campaigns like NFL star JJ Watt's $37 million Houston Flood Relief Fund, GoFundMe switched over to a tip-based model in November.
"It's working quite well," Solomon said of the switch to tips, but declined to provide precise figures. YouCaring campaigns have raised over $1 billion to date; GoFundMe campaigns, over $5 billion.
GoFundMe previously acquired CrowdRise, a Detroit-based platform for nonprofit fundraising. Since that acquisition last January, it has focused on helping CrowdRise nonprofits increase their social reach, in part by giving them access to GoFundMe's 50 million-strong donor community. The joint company has also developed white-label solutions for nonprofits, including a checkout button, powered by CrowdRise, that nonprofits can use on their own websites.
YouCaring, for its part, acquired Generosity.com from Indiegogo in January.
With those deals now complete, Solomon intends to focus for now on integration and growth. "I don't expect that we'll do too many more acquisitions in the near future," he said.
Senior Writer Ainsley Harris joined Fast Company in 2014. Follow her on Twitter at @ainsleyoc.
This helpful little Volkswagen robot will roll up and charge your electric car
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How we're revamping our review process to be kinder on our employees


text:
Explain Yourself!
Is this 'Girl' a shameless tie-in or a Dutch treat?
By Michael Endelman
Updated January 23, 2004 at 05:00 AM EST
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What does 21st-century rock have to do with 17th-century Dutch art? Not much, yet the two collide in the video for "Girl With a Pearl," a roots-rock track from Minnesota singer-songwriter Truman. Currently in heavy rotation on MTV, the clip features Scarlett Johansson, who stars in Peter Webber's "Girl With a Pearl Earring," along with a glimpse of the titular Vermeer painting. The song, however, is nowhere to be found in the movie or in the score. So what's the deal?
Turns out it's a marketing scheme devised by "Girl"'s production studio, Lions Gate. Studio exec Michael Burns received a CD of Truman's music from friends and asked him to contribute a track. Coincidentally, Truman had already penned "Pearl," having been inspired by the novel on which the movie is based. Johansson liked the song so much, she agreed to be in the video (directed by Meiert Avis, who has worked with U2). "It seemed like a great way to bring a youthful demographic to what is essentially an art-house film," says Burns. Consider the promo a success, at least for Truman: The video is building buzz for his Geffen debut, "Payne Avenue," due early this year. Coming soon to "TRL:" blink-182 interpret van Gogh's Sunflowers. — ME


More art journaling, more "how to" videos, more guided meditations, and more exploring have all been added to the January 2011 Inside Out e-course! Class runs for 4-weeks from January 17th – February 11th. Because it's an e-course you get the opportunity to participate at your own pace, in the comfort of your own home, and you'll connect, share and grow with all the other life explorers taking the course (who happen to be from all over the world)!
Learn more about Inside Out: A Creative Adventure of Self-Discovery.
Read comments from explorers who have taken the class.
Check out why I created this e-course.
1) Leave a comment here telling me why you would like to take the class.
2) Become a fan on my Facebook page.
3) Send a tweet on Twitter (and let me know here or @freespiritknits that you sent one out) about this giveaway.
For each one that you choose to do, you'll be entered that many times in my random drawing. I'll announce the winner next Friday, October 1st. If baby comes before then, I'm sure you'll understand and I'll be back after his arrival!
Your Personal Reflection: Are you ready to make 2011 your best year yet?


The first part of the Lord's Prayer, of the Seven parts of the Lord's Prayer.
Here is a cute series of pages that help teach and explain the Lords Prayer. Print the series and pass them around in Sunday School class as you explain and recite the Lords Prayer. Then let the class members choose one of the pictures to color and take home!


While weddings are the most common occasion for purchasing floral arrangements, there are floral designs for all types of occasions. While Valentine's Day is another major flower holiday, other occasions such as an anniversary, new baby, or a work promotion can be celebrated with floral arrangements. Purchasing a custom flower bouquet is a way to make a big impression on even the smallest of occasions.
Sometimes the most challenge part of planning a wedding is selecting floral arrangements. Without proper knowledge and research, a bride can spend more money than budgeted on floral bouquets. The biggest way to cut down spending is to purchase flowers that are currently in season. For the best idea of what a florist can do, ask to see their portfolio of designs done for real weddings. If unsure of where to go for Des Moines floral, make sure to ask friends and relatives for their recommendations. These recommendations will let you know personal experiences other have had with that florist.
Another way to show what you are feeling with a particular arrangement is by the flowers that are included in that arrangement. Each flower has a special meaning, and using these flowers add extra special meaning to any flower arrangement. For example, roses each have their own meaning depending on the color. Red roses are commonly used to show love, yellow roses mean friendship, and green roses are for wishing someone to get well soon. The peony symbolizes happiness in marriage, or life. For a sympathy bouquet, sea lavender is the perfect choice because it is a symbol of sympathy and remembrance.
If you have never purchased a floral Des Moines arrangement, do not hesitate to talk to the florist and come up with the design you would prefer. If you have a budget in mind, make sure to let the florist know because, then they know what they can and cannot add to the arrangement. If looking for a quick gift for a friend or a loved one, most florist shops carry pre-made arrangements. The only holiday that it is important to pre-order an arrangement is Valentine's Day, because it is the busiest day for a florist.


Our company name is Balmer Lawn Garage Limited, and we are located at 24 Brookley Road, Brockenhurst, SO42 7RR. In this policy we have referred to Balmer Lawn Garage Limited as: we, us, our or BLG.
For any queries concerning your data and this policy, please contact the Database Controller at the above address or by email at info@balmerlawngroup.co.uk or by phone on 01590 623464.
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I got crafty today and finished the diorama that was inspired by a quick beach painting in my sketchbook and the cardboard leftover from the Brie cheese.
I can draw and paint but I don't think of myself as particularly crafty. I'm a mess with a glue gun in hand. So if I can pull this off anyone can!
2. Poke a hole through the rim or use the hole puncher. The hole will be the top of your diorama.
3. Glue ribbon around the inner and outer rims, putting seams at the bottom.
4. Thread twine through the hole and knot.
5. Tape painting to the inside of the circle. Pay attention to the "top" (the hole) when lining up the horizon of your painting. Make sure to tape down all the edges.
6. Use glue gun to add all of your beach treasures.
8. Add craft glue in between shells and rocks. Pour generous amount of sand on top.
9. Add craft glue to bottom of the shell (on the knot) and pour sand onto glue.
10. Wait until fully dry and gently shake off excess sand.
Extra – make a little sign with the name of your special beach to add to your beach diorama.
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Categories: Craft Project, Diorama | Tags: Beach craft, Beach diorama, diorama, diy, DIY beach, DIY diorama | Permalink.
Paper Roses with a link to a fabulous tutorial!
I have long admired paper flowers. I think I first noticed them in Mollie Makes, a UK craft magazine. I love Mollie Makes, even though I don't sew, knit, or crochet. I love the look and feel of it. I'm inspired by the crafts, and love reading about other creatives. It's crafty, with a hip vibe.
The first paper flower tutorial I tried didn't work so well. I have to admit, I'm not the best at following directions, so it wasn't surprising. the flower didn't stay together, it just unraveled.
The other day I saw a post on Instagram from @liagriffith – who is amazing – and decided to check her site for tutorials. I did a watered down version of Lia's rose tutorial. (I hand drew simpler versions of the petals, just to try it out.) I wasn't disappointed! Using wire, you add a section of petals at a time, securing it with a dab of glue – from a glue gun.
I was so proud of my rose, I did another, and another, and then tried one with paper I painted with purple watercolors. The bright flowers are really giving life to my Easter mantle!
Categories: Craft | Tags: craft, diy, lia griffith, mollie makes, paper, paper craft, paper flowers, paper roses, tutorial | Permalink.
It was a lot of fun decorating mini gingerbread houses with the kids tonight. It's nice to do something together especially since 2 of my 3 are teenagers. Traditions are really nice. We've been doing houses together since the oldest was 2 or 3.
I remember when I was home from college and my sister said we were going to make gingerbread houses with my niece – who was the first grandchild. We baked everything from scratch, and then struggled to put the houses together. Finally we were ready to decorate. My niece ate a few gumdrops, put a few on the house, and yelled, "done!" As she hopped down from her chair. I couldn't believe it. Kids are too funny!
Categories: Craft, Uncategorized | Tags: candy, Christmas, decorate, gingerbread, gingerbread houses, Holiday, traditions | Permalink.
I was feeling guilty that I never finished a Christmas diorama, as I promised you. Posting one today or tomorrow seemed too late. But, as I cleaned up all the scraps of wrapping paper, boxes, and ribbons, I realized today is the perfect day to finish a Christmas diorama and use some of those leftovers. The rush of shopping, baking, and wrapping is over. Today is a lazy day – the perfect day to work on a project and those leftovers had inspired me. In my last diorama post, I went over all the problems I was having with my diorama. The main thing I realized was that I was thinking too literally. This time I didn't fuss about a realistic floor – I just created and I'm so happy with the results! I hope you had a very Merry Christmas!
Categories: Diorama | Tags: Christmas, craft, creative, Design, diorama, miniatures, ornament | Permalink.
I haven't forgotten about my Christmas diorama project. I'm learning that (like anything worth doing) it isn't a quick, easy thing.
I'm using a tea box and realizing I need to cover every side – inside and out.
Unfortunately the craft tape thingy isn't strong enough and is showing through the vellum. I'm also realizing that all the corners need to be tight or it looks sloppy. Or I need to trim all the corners and edges in garland. And my watercolor background and sides buckled a bit and aren't flat.
I started with a "floor" that I tried to mimic real wood. Then I realized the carolers were outside, so I created a cobble stone look.
I think the depth of my box is too large for the pieces I have. I need to add more elements to it or cut the box.
I often think very literally. I created a sky and cobble stone floor for the carolers. Maybe I should try to change my thinking and use Christmas patterns for the inside sides or background.
It's a work in progress. I'm hoping to have a finished diorama to show you by Christmas Eve!
Categories: Diorama | Tags: carolers, Christmas, craft, diorama, illustration, miniatures, painting, vintage illustration, watercolor | Permalink.
I've wanted to work on a diorama for awhile now. I haven't worked on one since the kids made shoebox sized ones for school. Even then it wasn't my project and they wouldn't let me take over! I've been pinning Christmas diorama projects on my board like crazy lately. When I remembered the illustrations in my dad's old Christmas music book, I thought they would be perfect! I could plan my dioramas around them. Imagine – vintage illustrations, right at my fingertips. How lucky and out of character. We are not the family that ends up on Antique Roadshow! We didn't even have an attic!
I looked through each illustration and figured out how I could create a diorama around it. Then I wrote a list of all the things I need. I measured my box to know the sizes. I want the dioramas to have one 2D element (where the illustration is brought forward from the background) and one 3D element – a miniature tree for example. I've planned on five dioramas, but we'll see! I'm an ambitious planner.
Categories: Diorama | Tags: Christmas, Christmas craft, craft, diorama, miniatures, ornaments, vintage illustrations | Permalink.
I bought a piece of wood and had it cut into pieces at the hardware store. Using acrylic paints – teal and white – I added streaks of both and blended them, to get achieve a beachy, sun bleached look.
I set up the lettering on the computer and outlined it. Last time around I cut custom stencils which was a lot of work. This time I found advice on hand lettering. I laid the printout on the wood and using a hard stylus pen (from my kid's old DS), traced the outline of the letter. When I was finished I could see the outline impression on the wood.
Following the outline impression on the wood, I painted the letters black. When they were dry, I painted white steaks over the letters with a very dry brush to capture the distressed look. I'm happy with the results!
Click here to learn more about how I painted the background.
Categories: Craft, Home, Lettering, Signs | Tags: beach, diy, finishing projects, lettering, paint, painting, sign, wooden sign | Permalink.


MARIA RAMONA BENIGNA ORTIZ b. 1845 NM.
CORNELIO ROMERO was born between 1875-1877 in New Mexico.
His parents were, CARMEL ROMERO born 1838 in NM, and his mother was MARIA RAMONA BENIGNA ORTIZ b. 1845 NM.
Re: MARIA RAMONA BENIGNA ORTIZ b. 1845 NM.


WE DIED IN 2012. THIS IS HELL.
The world ended in 2012. Welcome to Bid Adieu. Friends URL Are Friends IRL.
A refreshing quirky and unorthadox feel to the record, with dope production too.
Inclusive DIY collective of artists that span every medium, 2012 Bid Adieu, share their first ever single and music video for "Friends" and announce their debut album, We died in 2012. This Is Hell. The LP is due out June 7, and the new single will be available on all DSPs Friday, March 8.
The goal of 2012 Bid Adieu is to collectively to empower and fulfill each others' ideas to their fullest capacity. Because the group believes anyone can be an artist, inclusion is an important value in their approach to art. There's a common belief that "some of us have it, some of us don't." Implicit in that statement is the assumption that most of us fall into the latter category. 2012 Bid Adieu's goal is to expand the definition of artist, and change listeners relationships to creating, and their relationship with themselves.
2012 Bid Adieu began as a subconscious collaboration through years of friendship. Throughout this time, passions began to merge. 2012 Bid Adieu began with Jordan Clark and Gray Hall (producers/vocalists). Afterwards, they connected with Jeff O'Neal (videographer, creative director) who had previously collaborated with Clark on a music video titled "Path Forked Years Ago." It was only a matter of time before Clark and Hall welcomed their other bandmates, Jachary (bassist), Dillon Treacy (drummer), and Donovan Duvall (keyboardist). In the process of creating digital shorts, comedy, sketches and clothing, 2012 Bid Adieu, brought in other players, such as, Alex Pyle (mixing engineer), Lewis Gutierrez (Actor), Alyza Enriquez (videographer), Monisade Fabunmi (barber, stylist), Amelia Capaz (writer, meme curator), Ambra Parker (model), Sasha Mcnair (dancer), Anna Wotring (dancer) and Prashast Thapan (3D animator).
Forging their own genre of anti-pop meets electronic hip-hop, 2012 Bid Adieu takes the scene, seeking to upset traditional means of production. Individually, the members have gained recognition from outlets and media sites such as Def Jam Recordings, Tru Thoughts Records, Afropunk, Okayplayer, Blavity, KEXP-FM, Earmilk, The Masked Gorilla, Indiecurrent, The Deli Magazine, THRDCoast, Respect Magazine, BBC Radio 6, Revive Music and more.
2012 Bid Adieu represents a euphonious collaboration, not to be defined, constantly evolving-transcending. 2012 Bid Adieu is a collective that insists on redrawing lines, and reclaiming the idea the "artist." With their upcoming release, We Died In 2012: This Is Hell, the imaginative crew introduces the world to a fresh ideology, and music that speaks directly to the Nintendo Generation, but can appreciated by listeners of all kinds.
The world is over. Frankly, it ended back in 2012, just as the Mayans predicted. This space we occupy now is a hell masquerading as normality, obscured by a digital purgatory of our own design. Under a deluge of old Vine videos and Tim and Eric, we tweet out into the vast macrocosm of 0s and 1s, trying to make a sound in an echoing expanse. A voice alone in the darkness is only so loud, however. But as a collective, unified in the desire to make the most out of this Internet-based absurdity, Bid Adieu is ready to be heard.
It's hard to say who Bid Adieu really is, what with its constantly shifting 40 to 45 member roster of creatives, though it definitely started with the music of Jordan Clark and Gray Hall. The pair had played together in college bands before taking their own paths, with Clark's leading to darker recordings influenced by depression and loss. Realizing he needed to find a way to laugh at this wildly intractable world again, he moved to New York for the companionship of Hall and other artsy allies.
That's when work on Bid Adieu's debut album, We Died in 2012: This is Hell, began. The objective was to make a genreless, funky concept record for the Nintendo generation, a fusion of 21st century electronic sounds that felt good for the sake of feeling good. They explore maxilism on tracks like "Weird Place", a technicolor fantasyscape of Earth, Wind and Fire soul put through Daft Punk vocalizers and hip-hop production. Elsewhere, they take minimalist routes towards the twinkling, core R&B of "Calours". In between are tracks like "Cool Online", a dreamy panorama of smooth synths littered with deconstructed bits of video game soundtracks, and "Hot Coal", the result of piano pop gospel being uploaded into future funk.
"Listeners that enjoy electronic music and 808s and 707s will enjoy it," Clark says of the album, "but then I showed it to my friends who went to the New School and studied jazz and they hear these complex progressions and changes." The work is as challenging as it is engaging, the oeuvre of musicians willing to be equally fearless and fun.
Swiftly, Bid Adieu grew into a project not just about music, but furnishing an environment where interdisciplinary talents aren't afraid to contribute to a greater ideal — and succeed. This is, after all, the generation of DIY, where we're used to sending our humble works out into the ether in a quest for likes. What if you cast a net around all that artistic energy to bring it together as a creative powerhouse with a singular message? What if the limitless potential of everyone's abilities was used to find respite in the hell on Earth that is 2018?
The first figure to take a seat at Bid Adieu's extended table was Jeff O'Neil, a videographer whom Clark had worked with extensively. O'Neil took control of the creative direction, conceiving of the color palette and vibe that would paint all aspects of the collective. That range is broad, with members including dancers, meme makers, voice actors, video game creators, painters, activists — even barbers. It all merges in live shows that are more like plays, a "weird theater of music" with narrators and sets and performers. We Died in 2012 is just the launching pad for the group as they head towards a future of endless possible endeavors.
Even though we've been here all along, welcome home. Welcome to Bid Adieu.
The world ended in 2012. Welcome to Bid Adieu.
Friends URL Are Friends IRL.
Inclusive DIY collective of artists that span every medium, 2012 Bid Adieu, now have two singles streaming everywhere: "Friends" and "Calours," both from their debut album, We died in 2012. This Is Hell, is due out June 7.
Some know singer-songwriter Synead as the force behind Millions March NYC, one of the nation's largest anti-police violence demonstrations of 2015. Alongside Umaara Elliott, the 27-year-old co-organized the march, which galvanized over 30,000 supporters, and has since gone on to solidify her presence and purpose as a fresh face in the social justice movement.
However, after the height of her visibility in that realm, Synead took a step back from the limelight. She'd move to London to study and reconnect with her passion; music. An alum of LaGuardia High School of Music & Performing Arts, the New York native was a born and bred performer. She's studied dance since the age of 11, landing coveted spots at programs throughout the city, singing and training for a career in the arts. But her love for music ultimately took a backseat to her calling. She'd take a step back and devote her visibility to the liberation movement and put her dreams on hold.
Her debut single, "Tropicao" produced by Cabo Blanco and Broad City music supervisor Matt FX premiered on Beats 1 Radio. Synead first came into contact with a few members of 2012 at a house party/jam session in the Fall of 2017. There was an immediate desire to work together and after playing a string of shows in 2018 with member Gray Hall, and the group decided to take the process to the next step and start production on her next project estimated for a release later in 2019.
Amelia Capaz, better known by her social media handle Th0tcouture, has garnered a massive following from her work as a memer.
Whether it's compiling a list of all the things that Republican House Speaker Paul Ryan looks like or simply poking fun at the day-to-day headassery people deal with, her content is not only hilarious but also super relatable.
Ambra-Maya has been part of 2012 Bid Adieu since its inception. Having known the majority of the members since their days at Guilford College, Ambra-Maya has spent two years helping build the foundation of 2012 Bid Adieu and has recently moved to New York to continue in her assistance. Most frequently found on camera, Ambra-Maya is 2012's own model, actor, and bassist. Audiences will be able to see her musical debut in 2012 Bid Adieu's upcoming "Calours" live-video as well as a few promos set to release early April.
Where there is a 2012 Bid Adieu event, there is Ali. Whether managing the logistics of a video shoot, or jumping in front of camera to provide comic relief, or in the studio providing back-up vocals, Ali is dynamic in her abilities. Audiences will catch Ali's on-screen debut in May with 2012's release of their "Save The Artist, Save The Album" video as well as their "The Internet Loves You" video.
Inclusive DIY collective of artists that span every medium, 2012 Bid Adieu, share their first ever live session, giving fans a taste of how their live shows feels and sounds. The video is for "Calours" is beautifully shot and edited by the collective, who's debut album, We died in 2012. This Is Hell, comes out June 7. "Calours" and the band's first single, "Friends," are now available for streaming.
Apr 12 2019 2012 Bid Adieu share single "Out The Window"
Inclusive DIY collective of artists that span every medium, 2012 Bid Adieu, share their latest single, "Out The Window," and offer fans a relatable transition into "What are we?" season with a new song all about escaping awkward situations. Stranded at a party? Feeling anxious? Try climbing out the window! The new single will be on the group's debut album, We died in 2012. This Is Hell, that comes out June 7. Previously released singles, "Calours" and "Friends," are now available for streaming, as well.


Amazon has the impressive Canon imageCLASS D570 Wireless 3-in-1 Laser Printer Sale Priced at $74.99, free shipping. Sells for $175 next lowest at amazon. Four Star review at PCMag who called it "an excellent choice as a moderate-use shared printer in a micro office." Remember that for everyday B&W printing, laser toner is much cheaper than ink jet cartridges, plus you get a copier and serviceable home/home office scanner. Rated 4 out of 5 stars.