Monthly Archives: April 2015

Tips in Looking for the Best Pharmacy Benefit Management Deal


PharmacySigning a contract with a trustworthy pharmacy benefit management (PBM) organization is not easy. It requires more than just knowing the changing rate of prescription drugs and how it affects demand and inflation. There are other factors that affect the partnership.

As someone looking for the best PBM deal, remember these strategic evaluation considerations.

Contract Bargaining

Transparency is the name of the game—full transparency to be exact. This should be the norm in business transactions. You have the right to know everything from top to bottom. It is a must for you to have full auditing rights.

Ask for an open declaration of all relevant matters that will appear in the contract. This includes full pass-through pricing for instate and out-of-state pharmacies, contracted and effective rates for both branded and generic agents, and full auditing privileges to PBM acquisition expenses and group pharmacy deals.

Know pricing agreement related to anticipated effective rates as well. Inquire about references on the average wholesale price for reimbursements and processed claims.

Maximum Allowable Cost (MAC) Concerns

As it is in contract bargaining, be fully knowledgeable of MAC pricing. Ask for full access to the PBM’s MAC lists with corresponding policy terms, standards, and descriptions.

Manufacturer Refund

Companies offering PBM contract consulting like recommend a full disclosure agreement on any contract between PBM and drug manufacturers that may concern rebate earnings, drug rate data, and manufacturer profits.

Mail-order Pharmacy

Let the PBM reveal all their cards on the table. Know their plans on mail-order pharmacy service program from detailed pricing information, benefit design, and pricing model. Ask for a disclosure of all fees.

Access to Claims Records

Make sure that you will have full online access to claims information from prescription deals to sales proceeds.

Consultants of Choice

Go over the consulting firm’s services. Know their experience and expertise. Ask for an assessment of your plan’s PBM deal to reveal benefits and possible conflicts of interest.

There are important considerations before signing a contract with a PBM. Make sure to look at everything that matters so that you will not regret your decision.

Colorado Rafting: Prepare for the Rapids

Colorado Rafting

Colorado RaftingMany rafters recount their initial experience as fun, exciting, and action packed. They go on to say that they wished they had rendered some weeks of preparation before getting flushed by the rapids.

You don’t want to have the same regrets that others did. Read on and follow these tips:

Choose the appropriate trip for the group. Think about your group’s composition. Choose the most favorable river difficulty level for everyone. For newbies and those who will bring children, class II is decent, while those who are into extreme sports should try – and prepare – for class V and VI.

Choose the best outfitter in the area you are targeting. Check the records of your outfitter and client reviews. White water rafting in Colorado with is one of the most fun, safe and enjoyable. Ask whether they have transportation, equipment, and facilities that will meet you on the other side of the river.

Flex your biceps and obliques. There is no saying when you will need your strength, but if you are planning to take on class III to VI river levels, prepare to be tossed, dragged, and juggled – that is, if you’re lucky. The whole course usually takes half an hour or longer, and depending on the outfitter you chose, your crew can take breaks mid track and rest. You need to keep your strength just in case the rapids change all too suddenly and you need the whole team to paddle.

Take swimming lessons. In more exciting rapids, you can never be too sure that your boat will not turn upside down. When this happens, your vest will keep you safe. The next boats will come to your rescue, but you should be able to keep yourself above the water. Make sure you know some strokes or be prepared to be tossed by the rapids down the delta.

Take your excitement to the next level. Have the greatest rafting fun in your life with a lot of preparation.

The Triumvirate of Plant Operations: 3 Things Plant Engineers Always Keep In Mind

Plant operation

Plant operationSince the industrial revolution, more and more engineering plants have sprouted in cities all over the States, from Utah all the way to California. These plants are a fact of life now, and more and more people today in the technical field go to work in these. These plants produce everything from cellular phones to your toothbrush.

Inside these gigantic marvels of technology, are the engineers that keep them running at peak efficiency. To understand more of their work, here are three things they always keep about themselves to ensure the plant operates without problems.


Of course, plants produce things. From automobiles to canned food, plants are manufacturing beasts that keep not only the local municipalities supplied with their products, but also the overseas consumers who import their goods. These plants also produce jobs from blue-collar laborers to white-collar office clerks.

In the plant industry, production is the name of the game. That said, the engineers that run the plant are duty-bound to keep its facilities and equipment running at full capacity to ensure the factory is at peak productivity. It is also not just a question of getting the goods off the conveyor belt, but also making the most of the limited resources.


Of course, the people who run the plant must also account for their personal safety. If one worker gets injured working the heavy machinery, he turns into a liability for the company, both financially and socially.

This is why workers are given safety seminars on the proper dress code and uniform, obedience to safety regulations and the use of personal protective equipment (PPEs). Engineers take it a notch higher as they run most of the things in the plant. As students, they have taken courses in safety engineering and further enhanced once they reach the work place.

Safety does not only concern the workers in the plant, but also the end-users or the consumers of the plant’s production. Quality assurance and safety testing for products and services are also considered.

Environmental and Corporate Responsibility

The above header is a huge word, but put simply, it is how the plant company practices responsibility in its operations. From their proper waste management to recycling initiatives, these are always expected of large companies operating plants.

For example, if there is a leak of hazardous materials from the plant’s waste dump, the proper emergency hazmat response, such as, should be called in by the company to prevent endangering the environment and locals in the vicinity.

These three mostly govern the management of plants. Try to recall these whenever you gaze in wonder at the next car factory you come across.

3 Places to Visit in Sydney’s The Rocks

The Rocks

The RocksFor a complete Sydney experience, a tour at The Rocks is something you shouldn’t miss. As the birthplace of modern Sydney, The Rocks is famous for being a thriving urban locality and tourist spot. From markets and retailers to galleries and museums, you’ll find a place that’s worth visiting.

Leading travel sites, such as Lonely Planet and Trip Advisor, and accommodations like Sydney Harbour Bed and Breakfast, noted that you should visit at least one of the following:

Sydney Harbour Bridge Pylon Lookout

This bridge is the largest steel arch bridge in the world, measuring about 134 metres in height and 49 metres in width, and is an international symbol of Australia. See the beautiful views of Sydney Harbour, Botanical Gardens, Blue Mountains and other neighbouring attractions by climbing the top of the Sydney Harbour Bridge. If you’re a thrill seeker, then you shouldn’t miss this chance.

Museum of Contemporary Art Australia (MCA)

The MCA is the leading Australian museum in collecting, interpreting and exhibiting contemporary art from artists in Australia and around the world. During your visit, there’s a chance that you’ll see their solo exhibitions, new work displays by emerging artists and other remarkable exhibits.

Cadman’s Cottage Historic Site

Built in 1816, this is among the oldest surviving residential buildings in Sydney. Explore the old water transport headquarters and police station with your own eyes. If you don’t have a plan afterwards, then go sightseeing with The Rocks Walking Tours. Their I’m Free Tours are ideal for tourists on a budget. All you need is to meet the guide in front of the cottage from 6 P.M. onwards to enjoy a free 1.5-hour tour of the top pubs, historical buildings, and laneways in the area.

If you’re planning to stay in Sydney, then you shouldn’t forget these attractions. The Rocks has many more sights to offer, so go ahead and explore the area for a meaningful stay.

The Lazy Homeowner’s Guide to a Lovely Lawn

Lovely lawn

Lovely lawnGardening is an arduous task. It entails a lot of time and effort, especially in the beginning, but more so for maintenance. If left to itself, your lawn can grow tangles of weeds and you can expect the heads of the flowers bowed down even in spring.

Keeping it fresh and tamed will require a lot of effort, which is why many slackers refuse to take up gardening. There are easy tips and tricks even the laziest can try, though. You can actually order garden supplies online, do very little work, and still reap the rewards of a lawn that look amazingly fresh.

Dry Spells are Okay

Although few know and take heed of this advice, it is actually okay to let the grass go brown during dry spells. The change in colour simply means it is going through a natural state of dormancy, which allows it to conserve nutrients. Low maintenance grasses survive for a month without water.

Fertilize Occasionally

Experts say fertilizing only occasionally can save you about eight hours of lawn work per year. Most lawns can actually thrive with no more than two applications of fertilizers each year. A tip to perfectly timing fertilizing would be to do it in September with a fall fertilizer.

Let it Grow

Many varieties of domestic grasses allow low-key maintenance. Most domestic variants flourish with 50% or more of their blade cut, making it perfectly fine to let the grass grow to about 5.5 inches before giving it a trim.

Those Weeds are Alright

Weeding is a dreaded gardening task by many. The truth, however, is that it is perfectly fine to leave certain weeds there. For example, dandelions and clovers are not harmful to your foliage. Experts even identify their penetrating taproots to have the ability to improve your soil structure.

It is true that plants are living things and so they die, but they are also gifted with many natural capabilities that allow them to fend for themselves. Take it easy and let nature do its work. Just do not forget to occasionally check in on your lawn and see how nature is doing.

Hiring Tips: Why Attitude Matters When Finding Employees

finding employees

finding employeesTo build a good company, you need good people. There are several applicants who may be interested in the position, but not all of them fits. Your hiring process should include looking into the attitude of the candidates.

Hiring is not just about finding candidates with the right skills and experience. It’s also about looking for people with the right mindset and attitude that fits your company.

Attitude reigns over skills and experience

Practically every job on the planet, from engineer to nurse assistant, has qualifying exams designed to assess the candidate’s proficiency. Those exams, however, do not assess attitude and cannot predict if a new hire will thrive or flounder. A candidate’s attitude tells you whether they have the motivation to accept and learn new skills, absorb coaching and cooperate with other employees, among other important things.

Attitude enhances ability and expertise

The right attitude can enhance a person’s abilities and expertise. For example, a newly hired health care worker may have the proper skills and training for the role.

However, the employee may still lack the stability to endure the roller coaster ride of emotion that comes with caring for people. In this situation, it’s unlikely that the employee will stay on the job for long.

As you screen job candidates, look for potential attitude issues based on what they include in their resumes. Many recruitment consultants in Perth say employers should take note of applicants who stayed in previous positions for more than four years. Look for people who haven’t had more than three different jobs within a span of five years.

While the length of stay in a company doesn’t always guarantee competency, it can be a good indicator of a candidate’s success and positive attitude. Keep in mind, however, that this is not a hard-and-fast rule, but just a starting point for you to base the rest of your assessment on.

Why You don’t Have to Walk in Faith By Yourself

Girl Praying

Girl PrayingIt is a sign of strength to do all things alone. One will proudly say they passed their exams without help or travelled an exciting place on their own. They consider this an achievement.

Not in faith, though. Faith is like a seed that grows. In the absence of water, soil and sun, it is stunned. It stops from growing into a tree it is supposed to be. Like a seed, you need others to nurture you, as others need you as well.


Some believers in Christ ask why it is necessary to attend church mass and join Bible reading groups when they can read and meditate on the Gospel alone. The thing about the Bible is that it speaks differently to each person. What one interprets from it may be different from how others understand it. Reading it with others opens other perspectives that would be otherwise confusing, overlooked or undervalued.


By actively celebrating and praising God with other believers, you are reaffirming your faith in Christ and refreshing your waning spirit. Joining, a church in Denver, Colorado, will give you the avenue to grow in your faith every time you are losing hope.

Collective Worship

Worshipping and praying with others is different if you are doing it alone. Remember this verse from Matthew 18:20, “For where two or three are gathered together in my name, there am I in the midst of them.” As one church leader said, when a group prays together, the petition is as good as answered. That is how strong collective faith can be.


Not everyone likes to be around people, but if you were one in Christ, you would want to be surrounded with likeminded people. They can remind you of your pursuit to live a Christ-centered life and to enjoy the walk in faith though the path is downtrodden. It is easy to lose in the battle of wills, but not if others are cheering on you. That is how a community can help you.

Growing in path of Christ is not a solo work you have to go through. With the help of other believers and your church, you will grow in faith.

I am Grout, Not Caulk.

tile grout

tile groutThere are three essential steps to building anything: plan how to put everything together, put everything together, and make sure it doesn’t fall apart. There are plenty of ways to do the last part, engineers can choose from mortar, plaster or even a joint compound, depending on their needs. But there are some cases wherein the similarities between structural pastes are so close that some DIYers use them interchangeably.

One of the biggest examples of this scenario is when people switch from using grout to caulk and vice versa when renovating or fixing bathrooms. This is an easy mistake to make since both compounds are used to either repair tiles, or make them adhere to a surface. According to Giddyup Tile and Grout, the difference lies in where the renovator applies the paste.

Grout is a mixture of water, sand, cement, and sometime fine gravel, similar to the elements that make up mortar. The chemical mixture of grout forces it to behave in certain ways that are great in some situations. For example, it only holds onto crevices, allowing users to smear it across the smooth face of a tile without fear of having a hard time cleaning it later. In addition, it protects the edges of tiles from chipping and cracking.

Caulk on the other hand, is an adhesive with silicone, acrylic, or latex bases, making it more flexible than grout even after it hardens. But its strength also works against it, because it can hold onto smooth surfaces without crevices. This means that if caulk gets on the face of a tile, it’s there forever or until drastic measures are taken to remove it. This is why professionals use a special gun when applying caulk, for extra precision.

The best areas for applying caulk are on places with joints, or areas that need constant movement. On the other hand, flat surfaces such as walls and floors are better served by grout and its easy application. It’s easy to see why mixing these two up can be disastrous. Fortunately, now you know the difference, and can use the right tool for the job.

How to Tell if An Auto Title Lender is a Shark


carMore and more individuals are encouraged to get a loan using their car title as collateral. Compared to other types of secured loan, you can get the needed cash immediately after only several days up to a couple of weeks. With shorter payment terms and lower interest rates, auto title loans are also a quicker and easier way to pay back the loaned amount.

But as with any other secured loans, such type of loan runs the risk of repossession, especially if you already stepped into the loan without knowing much about the industry. A car title loan, Taylorsville lenders explain, needs some explanation before you wade knee-deep into it:

Auto Title Loan Sharks

Unfortunately, some car title lenders are into the usurious practices of boosting up your interest rates to either gain more money or to take full control of your car. Ironically, these lenders are those who aggressively encourage everyone to get a loan. There are two primary indications that the loan company is in the business of deceiving potential borrowers to an agreement that would make them drown in a sea of debt:

• Promises very low monthly payment –Because an auto title loan is a short-term loan, it is natural for them to have a slightly higher interest rate, usually between 15% and 20%. Companies promising an interest rate far below the going rate means they are not revealing much about the real terms of the loan.

• Uses ambiguity – The use of vague, imprecise language can also be an indication that a lender is trying to trick you with their terms. A vague promise of approval, or a fuzzily-written loan agreement, for instance, could make you fall into their debt trap.

Avoiding the Pitfalls

In Taylorsville and planning to get a car title loan? Getting the most reasonable auto title lender requires you to seek different best-practices lenders to compare prices. While you are looking around for the best deals, do not forget to take a careful look of the interest rates by asking for a detailed quote.

Only Reminds Me of You: How to Deal with Reminders of the Deceased

coping up

coping upGrief is a natural response to the pain of losing a loved one. Sometimes, you think you have fully recovered from the overwhelming sadness, but the truth is, grief just sits there quietly. When reminders of your loved one suddenly come up—say your anniversary song plays over the speakers at a random place or whenever their birthday comes around—feelings of grief come rushing again.

The return of grief does not necessarily mean it’s a hindrance to the healing process. In fact, it’s a signal that the memory of your loved one is still alive in you. Get through these painful times with greater strength by knowing precisely what to expect. This will help make coping with the reminders of loss much easier.

Reminders Can be Anywhere

Some reminders are simply unavoidable. These can come in the form of birthdays, anniversaries, and special holidays. Feelings of grief may resurface when family members come together to celebrate this special occasions.

Certain sights, sounds or smells may also send overwhelming emotions. You may feel sudden sadness when your kid’s favourite Disney song comes up or when you eat that bar of chocolate your late husband gave you on your first date.


The first step in coping with reminders of loss is recognising it’s normal. The tendency for most people when they suddenly feel down is to suppress the emotion. Don’t hide it. Don’t suppress the memories, either. Reminisce the relationship with your loved one. Immortalise their memory by sharing their story to others. Experts from Centenary Memorial Gardens suggest gathering family and friends in a chapel service to honour the memory of the deceased.

Another way to cope with grief is by starting a new tradition. You can launch a charitable organisation under your loved one’s name or donate to an advocacy they have a passion for. You may also want to commit planting a tree in their honour. You can do this in celebration of say, your anniversary or the deceased’s birthday.

A strong support system is important in these times. Find someone who will encourage you to express your emotions. Other than family and friends, spiritual leaders and social groups can help. A grief support group can certainly help in the healing process and remind you that you are never alone.

Grief doesn’t go away quickly. Overwhelming sadness is possible even years after the loss, and it is easy to feel like you will never recover. The feeling is normal and it says a lot about how much you value the life of the loved one lost. With support from people and willingness to let go, though, you can come out from the painful process stronger than ever.