Comments Off on New WVU Medicine Rehab Center Being Built at University Town Center
WVU Medicine announced on Wednesday that construction has begun on a new Outpatient Rehabilitation Center in Granville.
It will be located near the WVU Medicine University Town Centre clinic and will offer aquatic therapy, manual and exercise-based therapies, soft tissue and joint mobilization, post-surgical care, stroke care, functional capacity evaluations and lymphedema care, according to a press release.
“We’re excited to be able to offer comprehensive rehabilitation consisting of three disciplines that all work together for the betterment of our clients,” said Jordan Feathers, who has been named the director of the new center.
“Adding this state-of-the-art rehabilitation facility in Morgantown will fill a void in our continuum of care and further enhance the world-class care we provide,” said Darin Rogers, chief ambulatory officer for WVU Medicine.
Plans for the new center were first announced last August, and the estimated completion date is in the second quarter of 2024.
For more information on the WVU Medicine outpatient facility at University Town Centre, visit WVUMedicine.org/UTC.
Comments Off on Three New Tenants to Join WVU Innovation Corporation
The West Virginia University Innovation Corporation (WVUIC) announced Monday that three new science and technology tenants — California-based GATC Health Corp and Yunigen, LLC, and Morgantown-based ExesaLibero Pharma — will be leasing space in the Chestnut Ridge Road facility.
WVU and the West Virginia University Health System, commonly branded as WVU Medicine, officially took ownership of the 1.1 million square foot property in March 2022 and have been handling daily operations of the facility since. It previously served as the Mylan pharmaceutical manufacturing facility. The Innovation Corporation announced Hope Gas as its first tenant in August.
“We are very excited to have three innovative companies joining us at the Innovation Corporation as we continue to build a leading-edge science and technology hub that benefits the broader community,” Stacey K. Armstrong, president of the WVU Innovation Corporation, said. “These new partners share our vision of establishing collaborative technology innovative and will be excellent research and development partners with the Health System, University, and State of West Virginia.”
ExesaLibero Pharma, which was formed to complete preclinical toxicology and efficacy studies on a small molecule drug designed to control excess bone erosion associated with rheumatoid arthritis, will lease 1,034 square feet of laboratory space for drug development.
“The laboratory facilities at the WVUIC are ideal for the continuation of the work we started on the WVU Health Sciences campus,” John Barnett, Ph.D., president and chief scientific officer of ExesaLibero and professor and chair of the WVU School of Medicine Department of Microbiology, Immunology, and Cell Biology, said. “We look forward to moving into these facilities.”
GATC Health, a technology company “revolutionizing drug discovery and disease prediction using artificial intelligence (AI),” will lease more than 7,000 square feet of lab and office space to establish an AI hub to develop safer and more effective medicines with greater efficiency.
Tyrone Lam, GATC chief operating officer, said Appalachia is the best place to continue development of two of the drugs GATC is working on — one for treating PTSD and the other to treat fentanyl addiction — as they have the potential to have the greatest impact in the region. The space within the WVUIC, he said, “is almost turnkey and will help us bring these important treatments to people sooner.”
But, the one thing that stood out to the GATC team, was the “can-do spirit” of the WVUIC, WVU Medicine, and WVU leadership.
“There is no ‘no’ or ‘not now,’ it’s ‘how do we get this done?” he said. “There’s a genuine curiosity and desire to establish a true center of innovation to develop better medicines. We’ve been welcomed with open arms.”
Yunigen, a pharma company with a vision of making a difference in drug discovery, development, and commercialization, will lease 25,000 square feet of space with plans for expansion to manufacture rapid dissolvable Hydroxyurea tablets in 100 mg and 500 mg for pediatric sickle cell anemia patients in Africa. Its next phase is to manufacture high quality and affordable branded generic drugs in the U.S.
Charles E. Otieno, M.D., managing partner and chief medical officer of Yunigen, said the company’s two-year search for a manufacturing location took them to several states, including Connecticut, New York, Minnesota, Ohio, Missouri, Pennsylvania, and North and South Carolina. The WVUIC property, unlike the others they toured, had “all the bells and whistles.”
“This is what we were looking for because WVU preserved the intended use of the facility,” he said. “This has the potential for Morgantown to make its mark on emerging markets and will change the course of this disease. It will be a symbol of pride.”
Comments Off on The Power of Basic Job Announcements
Location remains the golden rule when making real estate investment and development decisions. Buying and developing in a growing, diversified market heightens the likelihood an investor/developer will make a profitable decision that meets discount rate thresholds. Your 401K and SEP IRA advisors have drilled diversification into your brain. While location, including the importance of a diversified market, is a critical driver of real estate success, there is more to making a profitable real estate investment. Determining whether an investment decision will meet an investor’s discount rate (preferred rate of return) can be a tedious, dynamic, and complicated process. Understanding market dynamics is critical to any successful real estate investment or development. This article will provide a crystal ball on how to decipher market stability while having a tool to help project market growth.
What is the single biggest impact on a local economic area? Jobs. But – and that is a big BUT – not all jobs are created equal. “Basic employment” is the queen to driving an economy. Basic employment is made up of industries that rely on external factors (beyond the local economic area) to fuel demand. Basic employment produces and/or supplies more goods and services than can be consumed by the local economic area (Ex: Morgantown MSA) which results in consumption outside of the local community. Examples of basic employers close to BDR’s home base include NIOSH, WVU Medicine and Mitsbuishi. On the other hand, non-basic employment depends almost entirely on local demand. Non-basic employment is defined as goods and services that are solely (or almost solely) consumed by the local economic area. Examples of non-basic employers include dental practices, pediatricians, hair stylists, and restaurants.
The two types work together. Non-basic employment supports the demand created by basic employment. This inflow of dollar (increased purchasing power) comes from outside the local economic area. The Economic Base Multiplier (EBM) is a measure that provides an estimate of how changes in basic employment will affect total employment, number of households and purchasing power within a local economic area.
Site To Do Business is an excellent tool for this type of analysis. The bullet points below provide Economic Base Multiplier data for several Multiple Statistical Areas (MSA) within three hours of Morgantown, WV.
Morgantown MSA: 4.06
Martinsburg, WV/Hagerstown, MD MSA: 6.56
Wheeling, WV MSA: 3.26
Pittsburgh, PA MSA: 9.69
Parkersburg/Vienna, WV MSA: 2.65
Charleston, WV MSA: 1.73
Huntington, WV/Ashland, KY MSA: 1.80
Over the past 12 months, West Virginia has enjoyed significant economic momentum.
Mitsibishi is in the process of bringing an additional 240 jobs to Harrison County. Another deal is in the works for Morgantown Industrial Park which could bring ~150 jobs with scalability for much greater employment. Beyond north central WV, Green Energy recently announced their intent to build electric buses in a new South Charleston manufacturing facility. Green Energy plans to hire 200 jobs initially with potential to scale to 900 WV workers within 24 months. Nucor is constructing a $2.7B, state-of-the-art steel making mill in Mason County, WV. Once fully operational, anticipated employment is 800.
Economic base multiplier theory tells us total job creation is well beyond the job announcements highlighted above. Utilizing the closest MSA’s EBM results in the following jobs created:
Mitsubishi: Utilizing Morgantown MSA’s EBM, 240 basic jobs results in 974 total new employees.
Confidential User: Utilizing Morgantown MSA’s EMB, 150 basic jobs results in 609 total new employees.
Green Energy: Utilizing Charleston MSA’s EBM, 200 initial basic jobs results in 346 total new employees. Assuming the operation scales to projected capacity, 900 basic jobs results in 1,557 total new employees.
Nucor: Utilizing Parkersburg MSA’s EBM, 800 basic jobs results in 2,120 total new employees.
Jobs drive an economy. Basic jobs lead to other support jobs, called non-basic, which is calculated via the economic base multiplier.
There are two final steps to fully understand the total impact of these announcements. Our goal is to understand the total dollars flowing into a community as a result of new basic jobs. The next step in the calculation process is to multiply the total jobs by the average household size to get an estimate on total population. The final step is to multiply total households by the average median household income. West Virginia’s state average household contains 2.4 individuals. As of 2019, West Virginia has the following statistics: Average household income is $63,680. Median household income is $46,711. Per capita income is $26,480.
The four announcements highlighted in this article result in guaranteed basic employment (could be more as the business scales) of 1,290. The economic base multiplier calculation provided a total new employment calculation of 4,049 new basic and non-basic jobs. The average household size is 2.4 individuals resulting in 9,718 individuals moving to and or being retained in West Virginia. The purchasing power of these individuals is determined by multiplying per capita income by the number of individuals. These four announcements result in a total increase in purchasing power of $257,332,640. For perspective, West Virginia’s 2020 annual budget was $4.495 billion. The four announcements represent purchasing power equal to 5.7% of West Virginia’s annual budget. These are big announcements for Almost Heaven!
Black Diamond Realty is hopeful this information provides a greater understanding of the dynamic analysis and projections that should be considered when making real estate investment decisions. Economists use many tools, including economic base multiplier, to determine the overall effect on a local economic area. Our team of experts looks forward to working with you on your next project.
Comments Off on $20 Million Small Format Hospital Approved – Fairmont
Mon Health CEO says project will be finished by the end of 2021.
Mon Health System received its Certificate of Need from the West Virginia Health Care Authority to proceed with plans to construct a $20 million, small format hospital in Fairmont. Mon Health CEO David Goldberg said the next step is to put the project out for bid. Construction, he said, should take 16 months to complete.
“We’ll be open by the end of the year 2021,” he said. The 10-bed hospital, dubbed Mon Health Marion Neighborhood Hospital, will be constructed on land the health system already owns along Interstate 79 near Fresenius Kidney Care in Pleasant Valley. Small format hospitals are accredited by the Centers for Medicare and Medicaid Services to offer hospital-based services that include inpatient and outpatient medical beds, diagnostic imaging and lab services and full-service emergency services. The hospital will not have an operating room, a Cath lab or offices, Goldberg said. When it is up and running, it will be the first small format hospital in West Virginia, several of which already exist in the Greater Pittsburgh area. More than 100 people are expected to work at the facility, Goldberg said.
The Fairmont area has been without a full-service hospital since the 207-bed Fairmont Regional Medical Center was closed in March by its California-based owner, Alecto Healthcare Services, after it could not find a buyer for the facility. Alecto said the hospital lost $19 million in three years. West Virginia University Medicine will begin using a portion of the shuttered Fairmont Regional later this year after it receives its separate CON from the state Health Care Authority. That facility will act as an arm of J.W. Ruby Memorial, WVU Medicine’s flagship hospital. WVU Medicine also filed for a second CON from the state to construct a 25-bed, full-service hospital next to its Urgent Care Center at the Gateway Connector, a $35.3 million project estimated to take 18 to 24 months to complete.
Comments Off on Marcellus/Utica Poised for Growth as Another Big Shale Play Slows Down
An expected drop over the next couple of years in the country’s hot crude oil and natural gas play, the Permian Basin in Texas and New Mexico, will end up benefitting the Marcellus and Utica in the future, according to a natural gas executive.
What has happened in the Permian has so far had a big impact here in Pennsylvania and the rest of Appalachia, which is the largest gas field in the country but doesn’t have the same output in crude oil. The mostly oil play has been booming over the last few years, and it has been throwing off natural gas and natural gas liquids in such quantities that it’s almost giving away natural gas and liquids. For natural gas producers in the Marcellus and Utica Shale, who are trying to make money off the gas produced here, the Permian associated gas has been dropping prices as well as competing for capital.
But some projections show the Permian’s rapid growth may be declining — and the Energy Information Administration reported earlier in 2019 that year-over-year production growth has slowed from a peak in 2018. The Marcellus and Utica, for instance, continue to grow production. John Powell, SVP of marketing, supply and logistics for Crestwood Equity Partners LP, told the Marcellus Utica Midstream Conference on Thursday morning in downtown Pittsburgh, said that poses an opportunity after 2024 in Appalachia to provide for the natural gas liquids like ethane, propane and butane.
“That gas is going to come from the Marcellus and Utica area,” said Powell. Crestwood Equity (NYSE: CEQP), a master limited partnership for midstream operations that has assets in the region, believes there’s pretty much enough pipeline capacity, with small exceptions, in the Marcellus and the Utica to handle the liquids that would need to be transported. But, Powell said, there might need to be more fractionation capacity – processing plants like MarkWest and Blue Racer Midstream — that processes natural gas into liquids.
Despite a somewhat downbeat tone to the first day of the conference due to the immediate and near future term for natural gas producers and the midstream companies that take the gas from the field to market, Thursday’s sessions were more positive about the outlook. Presenters talked about challenges, including regulatory and activist. But they also said that the Marcellus and Utica midstream industry is likely to see growth with the use of ethane, a natural gas byproduct, as the raw feedstock for the Shell petrochemical plant in Beaver County as well as one proposed in Belmont County, Ohio, and potential other petrochemical plants that will spring up. And there’s also a potential to export more natural gas liquids to the rest of the world for future development. But the fast production growth has meant that there’s a lot of product that doesn’t have anywhere to go yet, said Jeff Pinter, EVP of NGL Liquids, a division of midstream provider NGL Energy Partners LP (NYSE: NGL).
“The future is very bright. There’s a lot of demand coming … but we’re a little early on supply,” Pinter said.
The main market for export in the future will be Asia, Pinter said. But those plants haven’t been built yet.
And, said Wally Kandel, SVP of Solvay Specialty Polymers USA as well as a founding member of Shale Crescent USA, there are lots of opportunities to use the natural gas liquids here, either as polyethylene and polypropylene plants or in downstream manufacturing facilities.
Comments Off on First Look: West Virginia University’s Rockefeller Neuroscience Institute
Walking through the new WVU Rockefeller Neuroscience Institute’s Innovation Center, you get the feeling you’re trodding into the future of the treatment of brain disorders and the scientific methods to improve human performance.
One device, with only a handful in the world like it, delivers focused ultrasound from 1,000 different ultrasound emitters in a single helmet that is placed on the head. It has already been used by WVU Medicine doctors to successfully open the blood-brain barrier to allow for better treatment of people with Alzheimer’s disease. Another system has the patient puts on a multicolored cap with emitters and a handheld wand delivers transcranial magnetic stimulation to treat addiction and Alzheimer’s. And around the innovation center, there’s technology from souped-up gaming systems and virtual reality to a cryogenic chamber to speed workout recovery and a system that maps the nervous system, from head to toe.
And that’s just scratching RNI’s surface.
When the Rockefeller family and WVU Medicine envisioned the WVU Rockefeller Neuroscience Institute, they sought a center that would draw leading experts in the fields of brain science and human performance as well as a place where cutting-edge treatments could be developed and deployed. That’s coming to fruition in the WVU Rockefeller Neuroscience Institute, which opened officially earlier this year and has been breaking ground in the field. The finishing touches are being put on the Innovation Center, on the WVU Health System campus in Morgantown, West Virginia, where researchers are working and where patients will be welcomed for the latest advances.
It’s a partnership between former U.S. Sen. John D. Rockefeller IV and his family along with WVU Medicine and West Virginia University to bring together care, research and teaching centered in Morgantown but spreading all the way through WVU Medicine’s footprint. It’s led by Dr. Ali R. Rezai, a world-renowned neurosurgeon who has developed innovations to treat paralysis, Parkinson’s disease, Alzheimer’s disease and other afflictions.
And it’s that innovative spirit – and approach from many different specialities, as well as government and industry collaborations – that Rezai is bringing to bear at RNI.
“We’re always looking at rapid applications of new technology, and being one of the first in the world to do it,” Rezai said. “That’s one of our missions: Quickly deploy technology for patients.“
RNI and WVU Medicine have been in growth mode, part of a lot of building projects on the Morgantown campus. There are now 145 faculty, 73 residents and postdoctoral fellows and more than 700 clinic, research and administrative staff in four departments: neuroscience, neurology, neurosurgery and behavioral medicine and psychiatry. And there are several current and future RNI facilities. Beyond the Innovation Center, there’s also a neuro ambulatory and education center that is being built atop the nearby physician’s office center, the Erma Byrd Biomedical Research Center and a behavioral center at Chestnut Ridge. Then there’s also a brain and spine hospital that will be built in the parking lot behind the hospital.
Comments Off on WVU Medicine set to add 5th hospital in 2 years
Twenty-three years later, the major mission to increase West Virginians’ access to healthcare remains largely unchanged. While the mission continues, some of what WVU Health System is doing to fulfill it has evolved.
WVU Health System (WVU Medicine), on the verge of partnering with Jackson General Hospital in Ripley, West Virginia, is in the process of adding its fifth hospital to the extended family in just two years — a significant increase over the system’s first two decades in existence. Last week, the West Virginia Healthcare Authority granted a Certificate of Need, clearing one of the final significant hurdles to the 55-year-old hospital joining the state’s largest private employer. Joining Summersville Regional Medical Center and Braxton County Memorial Hospital, Jackson General is the third hospital in 2019 to join, at least in part, with WVU Medicine.
Summersville Regional Medical Center along with Garrett (Maryland) Medical Center and Wetzel County Hospital are currently in a management agreement partnership with WVU Medicine. Braxton County Hospital, Berkeley Medical Center, Camden Clark Medical Center, Jefferson Medical Center, Potomac Valley Hospital, Reynolds Memorial Hospital, St. Joseph’s Hospital, and United Hospital Center are all fully integrated members of WVU Health System. Converted to a critical access hospital in 2012, Jackson General is a 25-bed non-profit facility that employs 300 people. Jackson General Hospital has received a certificate of need, removing another obstacle in their quest to partner with WVU Medicine. The hospital is trying to get ahead of the curve, according to Jackson General President Dr. Stephanie McCoy.
“You’re just always trying to think ahead,” McCoy told MetroNews affiliate WAJR in Morgantown. McCoy said healthcare — due to a sometimes arduous relationship with government — is often a “moving target.” “You have to plan and you have to strategize, but then you always have to have your back-up plan in the back of the mind for “what if this happens,” she said. Dr. Albert Wright Jr., President and CEO of WVU Health System, said Jackson General is following that “forward thinking” model — a hospital doing reasonably well financially, but recognizing that the nature of the healthcare industry is ever-changing no matter who is in the Oval Office or in Congress.
“Every scenario, any regulation, any proposed regulation is always going to pay us less than we get today,” he said. “So if we prepare that way, I don’t really have to worry about any regulations or legislative changes that change healthcare, because we’ll be ready to adapt to it, and we’ll be the low-cost provider.” Typically, WVU Health System added sparingly following the initial 1997 agreement with United Hospital Center in Bridgeport. It was a eight years before any other hospitals joined — eventually bringing Berkeley Medical Center and Jefferson Medical Center into the fold in 2005. It was then another six years until Camden Clark Medical Center in Parkersburg joined. And, in terms of healthcare, a lot can change in a decade. Since the Camden Clark acquisition, the Affordable Care Act — also known as Obamcare — was passed, survived a major Supreme Court decision, and went into effect. That, in and of itself, significantly changed the healthcare landscape. “Sometimes it does seem like we’re just a stroke of the pen from either making huge advancements or improvements or, alternatively, from devastation,” McCoy said. “It can be really hard to budget when the government can reduce payments or eliminate support with minimal notice and sometimes even retroactively.”
Following the ACA, more changes — or at least the threat of more changes — came in a very short period. Three more hospitals became full members of the WVU Health System family and, then, in the wake of a failed repeal of the ACA in 2017, five more hospitals (including Jackson General) have become partial or full members of WVU Medicine, bringing us up to date on the aggressive expansion. This is a hub-and-spoke model, Wright said. WVU Medicine is centralizing its major Morgantown hub while simultaneously branching out its spokes across the state in order to bring the resources — talented specialists, equipment, and support — to rural clinics and hospitals.
Ruby Memorial Hospital is the central “hub” in WVU Medicine’s hub and spoke model for treatment. “We’re building up our academic medical center significantly in Morgantown,” Wright said. “We’ve added lots of beds, lots of clinic space, lots of new physicians and programs around the Rockefeller Neuroscience Institute, the WVU Cancer Institute, the Heart & Vascular Institute, and then building the new children’s hospital.” “The spoke part of that is going out and acquiring clinics and physician practices and hospitals around the state in what we consider to be key, crucial areas in order to maintain good healthcare in those parts of the state,” Wright added. Though Wright wouldn’t specify, he did mention that there are usually “more phone calls that don’t work out” than ones that do when it comes to partnering with hospitals around the state. Wright said expansion, in this case, is about finding places to cut costs without sacrificing healthcare quality or access — which means finding ways to avoid duplication of efforts. “If you get most of your care — greater than 90 percent of your care — inside of one integrated health system where you don’t have duplication of efforts or re-ordering of tests or things like that and information available to all of your providers, you can actually cut your costs of care in half for a sick or complex patient over a three year period,” he said.
Naturally, that brings both Wright and McCoy to what many consider to be the sort of crown jewel of the WVU Health System network. Yes — the partnership agreement means resources that rural hospitals might not have had access to or new patients that WVU Medicine may never have treated. Where the centralization becomes key is the digitized internal system that allows a patient to go to any hospital in the WVU Medicine family and have their full treatment records brought up instantly.
St. Joseph’s Hospital in Buckhannon, WV joined the WVU Medicine family in 2015. For patients, Wright said it incentivizes them to choose hospitals in the network that have their history and can better treat them — often without having to stray too far from home. For the hospitals themselves, it limits duplication of treatment while also simultaneously convincing those patients that they don’t have to leave their home county for healthcare. “Wherever you go in any WVU Medicine clinic, physician office, urgent care, and any one of our hospitals should you get transferred, all of your information — all of your prescriptions, your labs, your X-rays, your imaging follows you everywhere you go,” Wright said.
The next step, Wright said, is crucial: broadband access across the entire state. That’s because, when appropriate, Wright said telemedicine — the use of Skype or Face time, for example, to communicate with patients — will save significant dollars. “That is the best, quickest, cheapest access we can give,” he said. “Telemedicine, virtual visits of our specialists, that’s how we are going to reach parts of a rural state that we would never be able to do otherwise.” Broadband expansion — 100 percent connectivity — has been an ongoing discussion for years now among some of the state’s leaders. Hopefully, Wright said, 100 percent connectivity in West Virginia can happen sooner than later — considering the “creative” plans he hinted at that will be part of WVU Medicine’s future. “I think you’ll see us announce at least one and maybe a couple of very creative relationships with healthcare insurers with the goal of exactly what I talked about before — the highest quality, lowest cost provider with the best access to patients,” Wright said.
Comments Off on Newsweek names WVU Medicine among World’s Best Hospitals
WVU Medicine has been recognized by Newsweek as part of its inaugural list of the World’s Best Hospitals. According to Newsweek, the World’s Best Hospitals 2019 ranking lists the best hospitals in 11 countries: USA, Canada, Germany, France, United Kingdom, Switzerland, South Korea, Japan, Singapore, Australia, and Israel. The countries were mainly selected based on standard of living/life expectancy, population size, number of hospitals, and data availability. The list is based on three data sources: recommendations from medical experts, results from patient surveys, and medical key performance indicators on hospitals.
This ranking comes on the heels of last year’s U.S. News ranking of four WVU Medicine hospitals as part of its 2018-19 Best Hospitals in the United States. “Our goal strategy is to provide the best quality and most comprehensive care to the people of West Virginia so they never have to leave the state to receive the care they need,” Albert Wright, Jr., president and CEO of the WVU Medicine West Virginia University Health System and West Virginia University Hospitals, said. “We have been making great progress in this over the past few years, and to have our health system recognized by Newsweek as one of the best in the world validates our strategy means that we are doing something right.”
The rankings will be published online and in the March 29 issue of Newsweek magazine.
“Addiction in West Virginia continues to plague the state as one of its most serious problems. West Virginia has the highest rate of overdose deaths in the nation, and in many ways is the epicenter of the addiction/opioid epidemic,” Albert L. Wright, Jr., president and CEO of the West Virginia University Health System, said. “The WVU Medicine Center for Hope and Healing meets a major community need that has, to date, only been addressed on a small scale compared to the large scale of affected population.”
The Center works to support adults struggling with substance use disorders through medically managed withdrawal stabilization and residential treatment. WVU Medicine and the WVU Department of Behavioral Medicine and Psychiatry already offer a comprehensive menu of outpatient services for people with substance use disorders, and the addition of withdrawal management and 28-day rehabilitation completes the in-house continuum of care for these disorders.
The comprehensive person-centered treatment program offered at the Center includes:
Family support services
Individualized treatment plans
Specialized programming for recent overdose survivors and pregnant women
“These services allow us to treat the entire patient not just his or her substance use disorder,” James Berry, D.O., director of addiction services, WVU Medicine Chestnut Ridge Center, and interim chair, WVU Department of Behavioral Medicine and Psychiatry, said. “We work with our patients to understand their immediate and long-term needs. By integrating treatment and recovery, our patients are able to incorporate change into their lives outside of the treatment setting.”
The facility will serve as a single regional referral point for assessment of patients following discharge from local emergency rooms, inpatient detox units, and other referral sources. It will also accept self-referrals and referrals from community providers.
In addition to celebrating the opening of the Center, officials also celebrated the receipt of a generous gift that has been made to support patient care at the Center for Hope and Healing.
Douglas M. Leech, founder and CEO of Ascension Recovery Services, has established the Center for Hope and Healing Patient Care Fund with a gift of $60,000.
The fund, which will offset the cost of treatment, will benefit patients seeking care at the Center for Hope and Healing.
“The WVU Center for Hope and Healing will provide the highest quality clinical care for those in our state struggling with addiction, regardless of the payer type. An option like this has only been offered in the past out of state to those who have commercial insurance and the ability to cash pay a hefty fee,” Leech said.
“WVU Medicine’s Chestnut Ridge Center helped me find residential treatment when I desperately needed it. When I returned to Morgantown, I received outpatient services at the Chestnut Ridge Center, where they strengthened and supported my early recovery. As I started West Virginia Sober Living and Ascension Recovery Services in Morgantown, WVU Medicine was there to support me, provide guidance and mentorship, as well as partnership on a variety of initiatives. WVU Medicine has always been there for me, and I’m grateful to be able to give back to an organization that helped me and so many others in our state.”
Ascension Recovery Services, located in Morgantown, specializes in addiction recovery and treatment.
To make a gift to the Center for Hope and Healing Patient Care Fund, please visit give.wvu.edu/wvumedicine-rni and refer to fund 2W1371 in the comments box.
For more information about the center or making a gift, please contact Laura McCall, senior director of development for the Rockefeller Neuroscience Institute, at 304-293-5757 or firstname.lastname@example.org.
This gift was made through the WVU Foundation, the non-profit organization that receives and administers private donations on behalf of the University.
Comments Off on Old Morgantown Ramada Inn Property to House Non-Profits that Address Homelessness
Wednesday, Monongalia County commissioners discussed the future of the old Ramada Inn property located on Scott Avenue in Morgantown. The property was recently purchased by the Hazel Ruby McQuain Charitable Trust. This was given to WVU Medicine, which is now creating an independent non-profit to manage the facility.
The trust is hoping to partner, and offer rent free building space, to local non-profits that directly, or indirectly address homelessness. “This is a win, win, for the city, for the county, for the taxpayer, but more importantly, for those individuals who can use that help and services that we’ll be able to provide in a controlled environment,” said Tom Bloom, Monongalia County Commissioner.
The facility is a 30,000-square foot, multi-purpose building that can be completely remodeled to accommodate the needs of any agencies that would like to move to the location. It includes a large commercial kitchen. “Think about this. You have a facility that can serve 1,400 people. Now we have rooms where the people could live in the room, and then have three meals a day,” said Bloom.
The project is in the preliminary stages and meetings will be held with several local non-profits in the area that work with the homeless population as well as those that provide wrap around services.
Comments Off on Black Diamond Attends The 16th Annual WVU Medicine Children’s Gala
This past weekend, The Black Diamond Realty team dressed in their finest attire and followed the yellow brick road to the Land of Oz at the 16th Annual WVU Medicine Children’s Gala. Black Diamond Realty was proud to celebrate the incredible healthcare that is provided by the WVU Medicine staff throughout the year and to support fundraising for the new women and children’s tower.
In many ways, WVU President Gordon Gee said, the land-grant university he leads is the heart of West Virginia. The university, in turn, put its recent focus on the hearts of West Virginia.
WVU reinforced that commitment Wednesday with the announcement of the state’s first heart transplant program, to be part of the WVU Heart and Vascular Institute. Gee was joined by West Virginia Gov. Jim Justice and WVU Medicine President and CEO Albert Wright, among others during a press conference held in the institute’s first-floor conference room.
According to a WVU Medicine press release, a letter of intent was filed with the West Virginia Health Care Authority on Aug. 10. A certificate of need was filed Aug. 20. Wright said he anticipates the program will be up and running in 2019. He explained that WVU invested hundreds of millions in heart and vascular care over the last three years, including the construction of a 10-story, $200 million tower attached to J.W. Ruby Memorial Hospital and the recruitment of Dr. Vinay Badhwar to lead the institute.
“What we’ve found is when we put people, programs and the physical plant together, we can really do magical things here,” Wright said. “The results we’ve seen in these last 24 to 36 months are nothing short of amazing.” Badhwar said those results include the creation of the state’s first advanced heart failure program and the implementation of emerging artificial heart technology. There are currently 22 West Virginians awaiting a new heart. Being on a heart transplant list requires the patient live within four hours of a transplant center.
“What we’re trying to do is make sure people have the best possible health care in West Virginia. We should not have people going away to other places,” Gee said. “There’s no reason people should not come to this beautiful state and get the best possible health care, and that’s what we’re celebrating today. I want all of you to know you’ve made possible something very special.” Justice said the strides both West Virginia and WVU have made would be unbelievable as recently as 20 years ago. “Think about John Doe in West Virginia, how much he needs you. How much he needs the ability to not have to travel all over the place for decent health care, how much he needs you to be a star,” Justice said, later adding, “I mean it. There’s no way to be more proud of our state university than I am.”
Gee noted that heart disease is the state’s leading cause of death. He said WVU and WVU Medicine has the talent and determination to tackle it head-on. “If we have the will and courage to be great, we will be,” he said.
Doctors and administrators gathered at WVU Medicine Children’s newest facility – a Neurodevelopmental Center on Baker’s Ridge Road – to celebrate its opening Thursday.
“It’s unbelievable,” Dr. Jodi Lindsey, center director, said of the 9,000 square foot space on Baker’s Ridge Road. Lindsey said there’s always been a need for this type of service in West Virginia and her dream, even before medical school, was to build a center like this. The center brings all levels of child neurodevelopmental disability treatment under one roof including diagnosis and evaluation, medical workup and treatment and therapy services she said.
Albert Wright,president and CEO of the West Virginia University Health System, said the center was designed for a very specific purpose – helping pediatric patients with neurodevelopmental disabilities. Those disabilities include Autism Spectrum Disorder, developmental delay, cerebral palsy, and Tourette Syndrome. The best treatment is “intensive and early behavioral intervention,” Nikki Shriver, an applied behavior analyst (ABA), said.
There are 10 individual rooms where ABA’s can work with their patients one-on-one and help build skills. Shriver said helping improve communication skills is a big focus because the ability to ask for what one wants and needs is important. The early part of “intensive and early” refers to the age patients start treatment. Shriver said the best time to work with kids is between the ages of 2 and 6 when their minds are still growing. She said anyone can learn, but the younger treatment starts the better. Intensive refers to the amount of time patients spend at the center. Some patients spend the equivalent of a school day in treatment – five days a week, Joseph Shane, ABA, said.
The goal of treatment is to prepare patients for the next environment they will be in and for most that means getting them ready for school he said. The center also has a large play area where kids can work on group skills such as sharing and taking turns, Shane said. Kids will also eat lunch in the play area during their treatment and lunch is another opportunity to work on skills. If treating patients is the primary goal, one that’s almost as important is training the next generation of care providers.
There are two assessment rooms used by pediatric psychologists connected by an observation room. Jenna Wallace, pediatric psychologist, said the observation space is about double the size of the previous space. Lindsey said she hopes that this center becomes a model used across the state where a team based approach is used in treatment.
Comments Off on WVU Medicine Children’s Announces $152-Million Project
WVU Medicine Children’s growing into new tower to be added onto J.W. Ruby Memorial Hospital
Three-year, $152-million project to add 150 beds
MORGANTOWN, W.Va. – WVU Hospitals announced today (Nov. 16) plans to construct a 10-story tower dedicated to WVU Medicine Children’s to address capacity issues and better serve the healthcare needs of all of West Virginia’s women and children. As a result of the project, 150 beds will be added to J.W. Ruby Memorial Hospital.
“As West Virginia’s leading academic medical center, we have a responsibility to the children of our state and their parents to provide the highest level of care close to home,” Albert L. Wright, Jr., president and CEO of the West Virginia University Health System, said. “The demand for our services has increased so that we must grow in order to meet their needs.”
The $152-million tower will take three years to complete. It will include:
Entry, registration, administration, outpatient clinics, and building services
Loading dock, dietary services, diagnostic imaging, and connection to the Southeast Tower (the WVU Heart and Vascular Institute tower)
Operating rooms, cardiac catheterization, and endoscopy facilities
A 20-bed Pediatric Intensive Care Unit (PICU) and 10-bed procedure/sedation unit
A 50-bed Neonatal Intensive Care Unit (NICU)
A 40-bed pediatric acute care unit
A 30-bed obstetrical unit with potential for expansion
Pediatric subspecialty and maternal-fetal medicine clinics
All of the inpatient rooms will be private. The tower will also include a satellite pharmacy, laboratory, respiratory therapy, and a cafeteria.
“This new building will allow us to match our expanded programs for the women and children of West Virginia with a state-of-the-art facility,” J. Philip Saul, M.D., executive vice president of WVU Medicine Children’s, said. “The goal is for no child who needs us to leave the state for care.”
PHOTO CAPTION:(From left to right) Albert L. Wright, Jr., president and CEO of the West Virginia University Health System; Gordon Gee, WVU president and chair of the West Virginia University Health System Board of Directors; J. Philip Saul, M.D., executive vice president of WVU Medicine Children’s, and Natalie Jefferis, former WVU Medicine Children’s patient and member of the WVU Medicine Children’s Leadership Council
The new Children’s tower will be attached to the southeast tower (WVU Heart and Vascular Institute). The building will extend southward to Medical Center Drive.
The construction of the tower will be subject to Certificate of Need approval by the West Virginia Health Care Authority. Construction costs are estimated to be $105.8 million with the remaining $46.2 million for financing and other related costs. A capital campaign will be launched to raise $60 million for the project. WVU Hospitals will finance the remainder of the cost. No state funds will be sought, and no extraordinary rate increase is anticipated as a result of the construction.
“This is a necessity, not a nicety,” Gordon Gee, WVU president and chairman of the West Virginia University Health System Board of Directors, said. “The children and families we serve will be relying on our friends and alumni, our businesses, the people of West Virginia, and the Mountaineer Nation – wherever they may be – to pitch in and to make this project a reality. We’re launching this campaign right now, right here.”
The tower is anticipated to be open to its first patient in late fall/early winter 2020.
Comments Off on Black Diamond Prepares Dinner for the Rosenbaum Family House – 9/11
On September 11th Black Diamond Realty prepared dinner for the guests of Rosenbaum Family House, a place for adult patients and their families to stay while receiving medical care at WVU’s Ruby Memorial Hospital. The team served hot meatball subs with a fresh garden salad and warm cookies for dessert. As always, the overwhelming joy and gratitude was a wonderful gift in itself.


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With Juakali, your communication with clients becomes a key driver of successful debt recovery. Scheduled SMS and email reminders help keep clients informed and accountable, reducing delinquency rates and fostering a proactive recovery environment that respects client relationships.

domain: finance


text:
- READER REVIEWS
All Reader Reviews of...
694 Madison Ave., 2nd fl, New York, NY, 10021
nr. 62nd St.
Talented Colorist Carolyn De Palma
By kps5000 on 3/30/2009
Carolyn De Palma is an extremely talented and reliable colorist. I've been to many over the years and she is, by far, the best. Salon AKS is worth going to because of Carolyn.
The Best Colorist in New York City!
By kateallenone on 2/2/2009
Carolyn DePalma is the best hair colorist I've ever had and I've had a lot over the past 60 years. I was with her at Fekkai and found her again at AKS. She is so personable and always remembers your name and the last conversation you've had with her. My haircolor is perfect - she's the best with highlights!! People have actually stopped me on the street to remark about my color. No matter what theeconomy or my circumstances, I would never give her up!
AKS Salon is TOPS!
By lucionthemove on 1/11/2009
I have been going to AKS Salon for about 10 years and never have I been disappointed. I always feel confident that my highlights and cut will be just what I want. The personal attention makes be feel so very comfortable and special. I highly recommend ASK Salon but it is a bit on the expensive side so I don't go every month. I try and go every 8 weeks at least for highlights and hold off on the cut for longer if I can.
The Van Gogh of color!!!!!!!!
By Carol26 on 3/27/2008
JAntony has been my colorist for my entire years of color care, ( over 20 years). AKS is a wonderful salon, mixed with initmacy as well as high class services. The amazing talent of JAntony is that he of course does highlights for blonds, with so many varieties, but more important, he has taken brunettes from boring and predictable, to warm and luscious. I was born a redhead, and he has maintained me, with the utmost of athenticity. It is not easy for a redhead to look completely natural, but he does it everytime. And he will add texture and dimension, by doing some of his many talented additions, thus having my hair look like it has highlights. I repeat..."the Van Gogh of color"!!
J ANTONY's Color is Excellent!
By TDF on 3/22/2008
All right, ladies, if you're looking for compliments, if you want men to fawn over your locks & for women to envy your color, it's time to make an appointment with J. Antony. He is a master of color (uses a technique called "Belliage) and knows what best compliments your skin tone, personality & the season. He has "matched my hair," high/low lighted it and single processed it. All wonderful! It always exceeds my expectations and I float out of the salon feeling and LOOKING great. And heck, he's a charmer too with his unique style of laughter. Kidding aside, I have been "coloured" by Antony for ten years or more and his skill is unmatched in NYC. My hair is BEAUTIFUL! Thank you so much, J. Antony, Color Directeur at Salon at AKS!
You'll love Mika and Nyree at Salon AKS!
By brendamichelle on 3/20/2008
IÂ’ve been going to Mika for years and have watched her move from stylist to to the director of the salon and I can understand whyÂ—she always gives me exactly what I want. For my wedding, she began planning my wedding day look with me since the moment I got engaged. She suggested I have Nyree create custom clip-in extensions so that my hair would be fuller and hold a style better for the day. I absolutely love the extensions Nyree made for me and the bonus is that since they are clip-ins, I can wear them whenever I want. The extensions are pricey, but they last for years and in my opinion, were worth it. Both Mika and Nyree always give me tons of attention and address my every concern (and as a nervous bride-to-be, I assure you, there are lots!). I always walk out of AKS with a huge smile on my face since, in addition to looking great, I also feel great after seeing Mika and Nyree.
Best colorst in town!
By TangoSierra512 on 3/18/2008
I've seen some of the best hair colorists in Manhattan over the last 20 years to maintain my blond locks - colorists with whom I've been extremely happy - but J. Antony is the best BY FAR. I'm 100% satisfied with his work every time. He's a true artist with a "less is more" approach. He's also a perfectionist (like I am!), who pays close attention to each and every strand of hair he touches, giving his clients the most beautiful, natural results. I've been asked so many times by complete strangers on the street where I get my hair colored that I've started carrying J. Antony's business cards around with me. It's understandable why he's the salon's color director! He's simply the best. I feel fortunate to have found him.
Simply The Best!
By LLynn on 3/13/2008
The best colorist in NYC, perhaps the country....J Antony! This artist has been coloring my hair for over 15 years, yet at each visit he surveys "the look" with a fresh eye. J Antony and the staff at AKS are so respectful of their client's time. They consiously do not over book as they know for many of us, a visit to AKS is a retreat. Take the time for an extraordinary haircut by Mika. She has an amazing feel for shape and movement. I treasure my visits to AKS and always leave feeling so well cared for!
By galina on 2/22/2008
I too have been going to AKS from its opening 10 years ago. I followed J Antony, their master colorist, from another salon. He's a tonsorial artist, if there is such a thing: brilliant sense of color, matched to the PERSON, and an absolute perrfectionist, which warms my compulsive little heart. Thanks to him, I also discovered the equally praiseworthy Craig, who gives the most consistently terrific haircut I've ever had (big statement, eh?). Moreover, they are both wonderful human beings, and while that may not be essential to your hair, it's a pretty great plus for your mental health, as far as I'm concerned. The entire staff is professional, friendly, thoughtful -- none of that snootiness that makes you feel 'little.' A real New York find.
A Great Unpretenious Salon
By nydiva on 2/1/2008
I have been going to this salon since it opened, following the owners from Frederic Fekkai. I have always been pleased. I am particularly thrilled with J Anthony, the leading colorist at this location. I am constantly complimented on my beautiful hair color. He colors hair so it works with the tone of your skin and looks natural. If you want to go extreme, he will tell you no and refuse to do it. No false blondes here. I have Kao cut my hair and he does it with precision and speed. I've tried other to cut my hair, but always return to him because his styling works and it grows out perfectly. Both Kao and J Anthony are really pleasant. It is a very comfortable and unpretenious salon, with a very helpful and talented staff. I wouldn't think of going anywhere else for my hair.
- The best reviews give a clear sense of why you liked or disliked a restaurant, bar, or store. And that means details. Mention specifics dishes, type of crowd, pros and cons...
- If it's helpful to compare one place to another, go for it.
- Come up with clever, funny, pithy subject lines, and write in the first person.
- Don't forget to read the user rating guidelines and rules.

domain: artistic


text:
The Motel 6 Las Vegas – Tropicana is a budget motel located across the street from the MGM Grand Las Vegas Casino Resort on Tropicana Avenue in Las Vegas.
Its location in the heart of the city means that there is easy access to experience all of the sights and sounds of Las Vegas.
Motel 6 Las Vegas: Tropicana, Double & Queen Rooms, Pool & Parking
Options available include rooms that feature a queen bed, a full bed, two full beds, and accessible rooms, with kids below 17 years stay for free with an adult. Amenities available across the rooms include a flatscreen TV, cable TV channels, large bathrooms with granite countertops, and wood effect floors to create a relaxed environment. In addition, accessible rooms have a raised wash basin for easy use.
Additional room amenities include complimentary coffee, free calls to local numbers, and free wi-fi within the property. It is important to note that the Motel 6 allows pets, so guests get to travel and stay with their furry friends to enjoy their vacation. Coin-operated laundry machines are also available.
Enjoy the sparkling blue waters of the outdoor pool set against the vigor and energy that Las Vegas is known for, after which you can set to explore the city. Motel 6 is a budget hotel, so there is no on-site restaurant, but there are many options around it where you can enjoy an unrivaled culinary experience.
Some of the nearby restaurants include Coco’s Bakery Restaurant, Robert Irvine’s Public House, Emeril’s New Orleans Fish House, Pieology Pizzeria, and the Hooters Restaurant at the OYO Hotel.
With a full stomach, make time to visit popular Vegas attractions such as the Fountains of Bellagio, The Adventuredome at Circus Circus, and the Neon Museum. Nature lovers will enjoy setting base at Motel 6 Las Vegas – Tropicana as it provides easy access to the interstate and places such as the Grand Canyon, Lake Mead, and the Hoover Dam.

domain: travel


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2011: Rd 2, Pk 41 (LAL)
Los Angeles, CA
NBA Quick Links
The Blazers' Oregon Trail to contention
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Matthew Dellavedova looks to carve niche
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Jalen: Kobe will be remembered for his dedication to the game
Jalen Rose references Kobe Bryant's 81-point game, and says he will be remembered for his dedication to helping people on and off the court.
Los Angeles mourns the death of Kobe Bryant
Shelley Smith shares how the Los Angeles community is mourning the death of NBA star Kobe Bryant.
DeRozan: I learned everything from Kobe
Demar DeRozan says he wouldn't be the player that he is without Kobe Bryant.
Popovich: 'There are no words ...'
Gregg Popovich says Kobe Bryant meant so much to the NBA community and that his death gives everyone a deep sense of loss.
Djokovic: Kobe was a mentor to me
On Friday, Novak Djokovic revealed that Kobe Bryant had been a mentor to him for several years, helping him mentally and emotionally as he recovered from injury.
Kawhi wanted to be great for Kobe
Kawhi Leonard fights back tears while talking about his friend Kobe Bryant and how he was able to focus on the court Sunday night.


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A letter from Dr. Padilla regarding Coronavirus (3.10.2020 update) / Una carta del Dr. Padilla
To view this letter in another language, click the translate button to the top right of our website and select a language.
Para ver esta carta en otro idioma, haga clic en el botón traducir en la parte superior derecha de esta página web y seleccione un idioma.
March 10, 2020
Dear NECSD community,
I hope the weekend served as an opportunity to spend meaningful time with loved ones and take personal care. This communication serves as a follow up to my letter dated March 4, 2020.
Out of an abundance of caution, the Newburgh Enlarged City School District conducted a deep cleaning of all schools over the weekend. Our school buses were also thoroughly cleaned. The district followed the procedures and guidelines recommended by the New York State Department of Health during the cleaning process.
As I am sure you are aware, the impact of Coronavirus (COVID-19), the novel coronavirus is changing quickly. As of typing this letter, there are no known confirmed cases of Coronavirus in our school community or in Orange County. Additionally, we have not been informed of any self-quarantined nor mandatory-quarantined cases who have entered our school community after possible exposure.
District Calendar/Event Information:
At this time, the Newburgh Enlarged City School District has no reason to close its schools. Should that change, the NECSD will make that decision based on guidance from the NYS Department of Health (NYSDOH), the Centers for Disease Control (CDC), the Orange County Department of Health, and the NYS Education Department (NYSED). We currently have three unused emergency days.
At this time all field trips and conferences scheduled to travel outside Orange County have been cancelled. The status of future activities and events within the district will continue. If that changes, you will be notified immediately. We will do our best to give as much notice as possible about calendar changes. However, fast decisions are likely necessary. Due to the rapidly changing impact of COVID-19, the novel Coronavirus, I encourage you to think about childcare if I need to close school. If closing school becomes a reality, I will do my very best to provide ample notice but know this may not be in the most timely manner.
While there are no confirmed cases in our district at this time, NECSD remains committed to sensible hygiene practices. It is of utmost importance that you continue to wash your hands frequently using soap and water for at least 20 seconds, avoid touching your face, cough and/or sneeze in your sleeve or tissue, and stay hydrated. I strongly urge you and your family to educate your child(ren) about Coronavirus and encourage him/her to take personal care. There are resources on our website and social media platforms to help you engage in discussion with your child.
Please refer to the CDC website for travel alerts for affected areas: https://wwwnc.cdc.gov/travel. At this time, the CDC has identified the following geographic regions as a warning level 3, sustained community transmission area: China, Iran, Italy, and South Korea. If you plan to travel to an affected area, the DOH and CDC are requiring that you notify school officials of your family travel plans before leaving.
We are also strongly encouraging families to notify their school if they are traveling outside the United States, to a non-affected area or within the United States to a highly-populated area (i.e., amusement parks, etc.). In having information on other travel, it will help us in preparing for the return of students who traveled to areas that may later be identified as an affected area.
The travel form, to complete prior to leaving for your trip, can be found here.
Members of our school community returning from travel to areas with community spread of COVID-19 must follow guidance they have received from healthcare officials. COVID-19 information for travel is updated regularly on the CDC website.
Display of Symptoms:
If you, your child(ren), a member of your family, or someone with whom you are in close contact displays symptoms of Coronavirus, please call your healthcare provider immediately and contact the health office at your child’s school. Similarly, if you believe that you, a member of your family or your child has been exposed to Coronavirus, it is imperative that you consult your medical provider and let us know as soon as possible. Communicating the confirmation or suspicion of the illness helps prevent the spread of the virus in our school community. Our administrators and district health office professionals are prepared to assist you and answer any questions you may have.
Any updates about the impact of the Coronavirus on the NECSD will be posted on our website and you will be notified via robo call. Your cell phone and email addresses can be updated through your Parent Portal account or by contacting firstname.lastname@example.org.
Please continue to check our website and social media for continuous communication from me. Please know, the safety of our school community is a serious matter to all of us in the Newburgh Enlarged City School District. Through the work of all, we will get through this together.
Through the work of all,
Roberto Padilla, Ed.D.
Superintendent of Schools
Newburgh Enlarged City School District
ATTENTION: Are your scholars or colleagues doing something great? Please contact the district Communications Team at email@example.com. We’d love to visit your class or event and/or post your pictures and recap to highlight the amazing accomplishments throughout our district!


text:
I would like a small cute logo designing or sew in labels - folded 25mm x 25mm -
Image on one side and text on the other.
Hand Made in Australia
I ahve attached some other logos I have seen and like for inspiration
50 freelancers are bidding on average $68 for this job
Hi, I'm available to be designing on your LOGO. I could help you finish it within 3 hours. Let me see how is it going to be done so we could start working. Let's talk more! Thanks Ranjan

domain: design


In this article, you will find out how artificial intelligence is revolutionizing the world of lending. With AI programs now being able to assess data and analyze results, lenders are able to make better decisions faster than ever before.
AI and lending
AI and lending are a match made in heaven. AI is able to take in-depth data and research that it uses to allow lenders to approve loans more quickly and with more information, which ultimately saves them time and money.
AI can speed up the loan approval process by looking at your credit scores and other factors. AI will be able to access your financial information more quickly than a human ever could. This allows an applicant to get a loan more easily because they will not be waiting around for the loan application to go through.
How AI helps lenders make better decisions
Lenders make decisions on loans every day. Sometimes these decisions involve more than just seeing a credit score and looking at other credit metrics. AI can help a lender to make better decisions when it comes to lending out money by providing the information needed to evaluate data, such as analyzing which loans are likely to go bad or establishing risk scores for borrowers.
In recent years, Artificial Intelligence has infiltrated many facets of our society. AI is now being used to help lenders make better decisions about who to give loans to. Using this technology, lenders can learn more about the borrower and their financial situation more than ever before.
5 tips for using AI to improve your loan approval rate
Getting a loan is not always easy. You need to be prepared to start an application, provide all the information you can, and hope that the market experts at Lending Club will approve your application. If you want a better chance of approval, you should use AI technology to optimize the loan application process. There are five main tips for how this can improve your chances of approval:
1) Be selective with the data you input on your profile
2) Use bots that automate certain sections of the application
3) Ask for as much personal information as possible
4) Narrow down your search parameters and focus on “performance” loans
5) Incorporate milestones into your document
Using artificial intelligence in your loan approval process can help you save time. If you are a business owner or if you are going to apply for a loan, this is an easy way to improve your chances of getting approved quickly. You will be able to reduce the number of hours that it takes for your loan application to be approved by up to 94%.
Taking a loan can be exciting, but it also has its share of complications. That’s why if you are searching for a way to make your life easier, then get your instant loan approval.
If you think that getting a loan is impossible, you are wrong. These days any individual can get the loan he or she deserves with the help of internet. There are many websites which provide instant loans to the individuals in need of funds at home and abroad. The website facilitates easy application process, quick approval and hassle free repayment option.


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Galle has a very long history and is marked in the island of Sri Lanka in Ptolemy’s world map prepared around 125 – 150 AD. During the time Galle was a busy port for foreign traders such as the Greeks, Arabs and Chinese. It is from the Galle harbor that the Portuguese led by Lorenzo de Almeida first arrived to Sri Lanka which marked an important and much change in the course of Sri Lanka's History. The Dutch Fort and church inside was built and was meant for the security of the Sinhalese. But by an irony of fate , that Fort later became the prison to keep the Sinhalese who opposed them. With much History to learn from this visit, The Aurora Bastion, Tremon Bastion, Kleipenberg Bastion, Emaloon Bastion and the light House adds more colour and interest to the beautiful view of the Dutch Fort especially during an evening to experience the Sunset from the Fort.
Some of the street names inside the Fort still bear Dutch words. The Oriental Hotel inside Fort which was built in 1694 , was a building constructed for the use of Dutch Governor and his officials. The Dutch Museum consists of a large collection of holdings used during the Dutch Period. However the Tsunami in 2004 has a major devastating effect on the Galle Fort where most of the ancient buildings were were either completely destroyed or were damaged to a large extent. They have now been rebuilt to retain the original appearance prior to the Tsunami.
Galle therefore is a place of historical, archaeological and architectural significance with a multi ethnic and multi religious population striving to live in peace and harmony. Being the main city of the South, apart from its significant beauty, Galle has many shops, restaurants and luxurious hotels and so is quite the stop over during your visit to Sri Lanka.

domain: history


text:
“It went better than we expected," he said.
US Muslims try to balance Eid rituals with virus concerns
"All of these issues came at the same time," Mr. Shami said. "When things like that happen, I think they bring out the worst in some people."
American Muslims take precautions for 9/11 anniversary

domain: sociology


Waging war on weeds
MACKAY Regional Council will wage a war against weevils at the botanic gardens today.
The weevils will be released into the lagoons from 7am as part of the council's efforts to eradicate damaging waterweeds.
Parks and environment portfolio councillor Karen May said this approach was most effective in combating the waterweed problem that was developing at the lagoons.
Council's parks and environment manager Helen Paulsen said heavy summer rain had the tendency to remove the bulk of the weeds from the water body but due to the current state of the lagoons, it was necessary to kick-start the process with the weevils.
Ms Paulsen said the weevils would reduce the infestation over time, to a level that could be controlled by gardens staff.


As Fred gets going once again in the Gulf, the Florida Panhandle will need to watch in case Fred makes it to Category 1 hurricane status. This is a possibility given how warm the Gulf waters are. Overall, expect the severe storm threat to continue into Tuesday for the Carolinas. We are already seeing the moisture being pumped up from the South, and here in South Charlotte I had hail and damaging winds at my place yesterday. Lots of damage in my area.
Here’s our latest graphic that shows where we think damaging winds and tornadoes are possible with Fred. Storms will generally move from southeast to northwest.
As per the graphic above, anyone in the red can see a severe storm, tornado, flooding downpours, or any combination of the three. If you have the option to work from home, the next couple of days will be good days to do so. Interstate travel could become dicey with flooding rains and poor visibility.
Here are the rains expected from Fred:
Mainly west of Charlotte in the foothills and mountains is where the rain is expected to be heaviest. The rains above are for Fred and do not include our daily showers and storms. Overall precip amounts will be higher with the addition of Fred’s totals above.
Plan for worsening weather through Tuesday in the western Carolinas, and everyone be on alert for tornadoes!


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Marway designs and manufactures power distribution products for electronic equipment in either standard rack-mount form, or in custom enclosures.
We specialize in creating optimized solutions for unique applications. Whether for one-time, custom, multi-rack platforms, or for high-volume OEM power boxes, we’re able to meet the needs of a variety of engineering and manufacturing needs.
We also design and manufacture auto transfer switches to handle dual power sources, and custom control and EPO panels to help manage multiple or remotely located PDUs.
MASCO Service is the leader in aircraft instrument, avionics, and accessory service and support. Helicopters are our specialty, supporting the largest fleet of operators in North America for more than 30 years.
MASS Systems, a division of AMETEK Ameron, LLC, was started in 1988 by executives with considerable experience in the design, qualification and manufacture of systems and components for the aerospace and defense industry. MASS is D.O.T. certified and meets or exceeds MIL-I-45208A specifications.
Headquartered in Santa Monica, California, Master Electronics is a leading licensed distributor of electronic components. Founded in 1967, Master Electronics has been supplying top quality components for industrial, military, medical, aerospace and consumer applications.
Master Research & Manufacturing, Inc., owns and operates in a 30,000 Sq. Ft. facility located in Norwalk California. We are a manufacturer of complex machine parts and assemblies; established 35 years ago as a highly technical and innovative source of supply to the U.S. Government as well as the major aerospace prime contractors.
As North America’s leading manufacturer and wholesale distributor of perimeter security and fencing, we are the provider of choice for thousands of professional fence and security contractors and quality building material retailers. Since 1961, we have been the industries’ premier fencing provider.
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New flicks with celebs in interfaith relationships and from interfaith backgrounds, plus their baby news!Go To Pop Culture
A recent story in The Forward reported that Portland, Maine, has the highest rate of intermarriage in the country.
While true, the number cited in the story–61%–is a little different than the number typically used when citing intermarriage rates. The most commonly cited intermarriage rate is the percentage of married Jews who are married to non-Jews (the individual intermarriage rate). The 61%, however, is the household (or couples) intermarriage rate,Â which is the percentage of households with Jews that are intermarriages. The household rate is always higher than the individual rate. In Portland, the individual rate is 44%–which is not quite as shocking as 61%.
To understand why the household rate is always higher than the individual rate, one need only realize that it takes two Jews to form an inmarried household and only one Jew to form an intermarried household. Therefore, when you are calculating the household rate, one intermarried Jew counts as much as two inmarried Jews. If you had 12 Jews in a community, and six were intermarried, the individual intermarriage rate would be 50%. However, because the six inmarried Jews all have to be married to other Jews, there are only three inmarried couples (because six people make three couples). But there areÂ still six intermarried households. So the household intermarriage rate in this 12-person community would be 66%.
During the maelstrom over intermarriage that occurred after the release of the 1990 National Jewish Population Study, people were astonished that the reported intermarriage rate for the years 1995-2000 was 52% (a number which was since revised downward to 43%). But that was the individual intermarriage rate. Translated to a household rate, the national intermarriage rate for 1995-2000 would be an astonishing 68%!
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The Outlook 2020 series travels to New York to pick up the view from across the Atlantic on prospects for the European real estate market and the key trends driving investment across the Continent. Global capital flows continue to drive the markets across Europe, buoyed by 'lower for longer' interest rates and the yield gap. What will US investors be looking for? Will they focus their attention on post-Brexit UK, safe-haven Germany, resurgent France, fast-growing CEE or other countries?
Or will they follow the urbanisation trend, choosing to invest in Europe's winning cities? Will they have an opportunistic outlook or a more long-term core strategy? Will they opt for the traditional office, retail and logistics sectors or will they be looking for alternative asset classes and niche products like retirement living or student housing? What are investors' main concerns - is it prices getting too high, excessive competition, lack of product, economic slowdown or political instability? What do they see as the biggest challenges they will have to face in 2020? Who will they be competing against, as Asian and Middle Eastern investors step up their game and more capital comes from Israel, Australia and South Africa? Come to his time-efficient briefing, network with senior market participants, gain and share valuable market insight with expert speakers and get to ask your own questions.
Registration is complimentary but places are limited - please register now to guarantee your place
This event is kindly hosted by:

domain: geography


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Doheny Memorial Library, Los Angeles, CA 90089-0189 Public Domain. Release under the CC BY Attribution license--http://creativecommons.org/licenses/by/3.0/--Credit both “University of Southern California. Libraries” and “California Historical Society” as the source. Digitally reproduced by the USC Digital Library; From the California Historical Society Collection at the University of Southern California Send requests to address or e-mail given USC Libraries Special Collections firstname.lastname@example.org
Photograph of Louis Paulhan making his record flight, flying at 4,600 feet, in his Henry Farman biplane, Dominguez Field, Los Angeles, January 12, 1910. Paulhan is sitting at the center of the front wings in this primitive biplane. He holds onto the nearest supporting bar as he pilots the airplane. The nose is triangular shaped with a wing (or flap) in the center of the nose. A propeller spins just below the wings and between the two pairs of landing wheels. The rear of the plan consists of two square wings with a flap that runs perpendicular to the wings. "Following the Reims International Air Meet of 1909 (France) enthusiasm for aviation began to increase in the United States. At an aviation meet in St. Louis fellow enthusiasts discussed the possibility of holding an air meet in Los Angeles. This group, which included Charles Willard, Roy Knabenshue, and Glenn Curtiss, followed through on the proposed project and sent Dick Ferris to Los Angeles to make the preliminary contacts and finalize the plans for the proposed Air Meet. After arriving in Los Angeles Ferris met with various contacts and an International Air Meet was proposed which would include Louis Paulhan-a renowned French aviator. The location was selected, Dominguez Field, which was part of one of the original Spanish land grants-The Rancho San Pedro. Publicity was begun, grandstands were erected and an expanded passenger platform was constructed at the Pacific Electric Station located closest to the Air Meet site to accommodate the large number of spectators expected to attend the event. Dates for the Air Meet were agreed upon. Commencing on January 10th, 1910 and lasting ten days until January 20th the air meet would invite a variety of participants and would include not only aeroplanes but also hot air balloons and dirigibles. Cash prizes would be awarded to those participating in scheduled events, which would include altitude, speed, and endurance competitions."-- Peter Bergen (part 1 of 2). "Over the ten-day period of the air meet spectators were thrilled by the performances of aviators Louis Paulhan, Glenn Curtiss, Charles Willard, and others. Paulhan was the 'star attraction' at the air meet. Invited by the organizers to participate, Paulhan brought with him to the event two Bleriot Monoplanes, Two Farman Biplanes, and an entourage, which included his wife and black poodle dog. At the air meet he set a new altitude record (4164 ft.), endurance record (64 miles in 1 hr. 49 mins. 40 secs.), and won $14,000 in prize money. Glenn Curtiss won two events-fastest speeds with a passenger (55 mph) and quickest start (6 2/5 secs. covering 98 ft.). Curtiss took home $6500 in prize money. Charles Willard was credited with the most accurate take off and landing skills for which he receive a prize totaling $250. Attendance at the air meet reached and surpassed all expectations. During the ten-day period of the air meet an estimated 226,000 spectators converged on Dominguez Field. Gate receipts for the event equaled over $137,500. The air meet was considered a phenomenal success and helped to alleviate a perceived economic drought in the Los Angeles area." -- Peter Bergen (part 2 of 2).
2 photograph : photonegative, photoprint, b&w 21 x 26 cm. negatives (photographic) photographic prints photographs

domain: library


text: This comprehensive 336-page softcover rulebook gives Game Masters everything they need to craft thrilling tales of adventure, from a single-night's dungeon delve to complex epics spanning years. Within these pages you'll find clear guidelines for creating new hazards and monsters, tools to design challenging, balanced encounters, and rules for rewarding characters for the dastardly challenges you array before them! Pathfinder GM Core also contains a dragon's hoard of magic items and treasure to entice and reward your players, from simple healing potions to magic weapons and armor and legendary artifacts, including dozens of brand-new items! These rules are compatible with previous Pathfinder Second Edition rulebooks, incorporating comprehensive errata and rules updates and some of the best additions from later books into new, easier-to-access volumes with new presentations inspired by years of player feedback. The pocket edition presents the same contents as the standard edition in a smaller sized softcover for a lower price and better portability.


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Travellers in Malawi are seeing dramatic declines in Aids-related deaths everywhere they go. Why is such the case? JAMES CHAVULA investigates:
“It is incredible that one can travel [over 700 kilometres] between Blantyre and Mzuzu without meeting a funeral procession or a vehicle carrying a dead body,” says Lawrence Khonyongwa, from Malawi Network of People Living with HIV (Manet+).
He says the number of people dying from infections caused by Aids has drastically dropped due to a number of interventions, especially improved treatment.
“It shows the medicine is working and it is good for human bodies, so people can live longer and healthy,” Khonyongwa explains.
Treating everyone diagnosed with HIV has become Malawi’s magical bullet in the war on the virus which was claiming a life every eight minutes two decades ago.
Taking a pill per day, one can enjoy a healthy life without suffering deformities that once fuelled stigma and discrimination.
Gone is the era the incurable virus, which demolishes immunity to infections, was christened mdula moyo (terminator) after speeding minibuses that once terminated hundreds of passengers’ lives on the country’s perilous roads.
Nowadays, some people brag that they fear a pregnancy more than HIV, which reduced hospital wards to deathbeds, streets to coffin markets, musicians to dirge-makers and frequent mourners to silence.
The Aid related deaths did not only push government to expand its fleet of minibuses for transporting civil servants’ bodies, but also accept that the public health crisis as emergency ripping all spheres of life.
National Aids Commission (NAC) spokesperson Karen Msiska credits antiretroviral drugs (ARVs) with reducing the deaths rates from 64 000 to 13 000 since Malawians started taking the drugs free of charge 15 years ago.
Dan Namarika, principal secretary for Ministry of Health says the drop is “tangible” and “felt by every family”.
He is excited that by October last year, 92 in every 100 people living with the virus knew their status, 84 percent of them were on treatment and 91 of these had undetectable viral load.
However, he is worried that new infections are peaking again as horrifying memories of HIV fade.
“We have surpassed all 90-90-90 targets, except one. Now, we need to look at 95-95-95 by 2030,” he says, adding: “Because the change is dramatic, some people, especially young people, are complacent. We need to regain the momentum so that we do not slide back to the tragic days.”
Malawi missed its target to reduce new infections by 75 percent by this year.
In 2016, the country pledged to the Global Coalition on HIV Prevention to reduce the number of people getting infected from 59 000 in 2010 to just 11 000 this year.
However, the Ministry of Health reported last year that 38 000 people acquired the virus in 2018, up from 36 000 a year earlier.
Startled by the surge, Namarika says: “As we build on the existing successes in treatment, we need to analyse what’s driving new infections.”
He reckons preventive strategies have been eclipsed by growing emphasis on treatment in donor-driven interventions.
“Prevention does not give quick results. If you invest more in voluntary medical male circumcision, you may not see the results or tell the number of infections you are averting. However, donors need quick results. They need data and impacts,” he says.
Activists warn that the national response will remain fragile unless government increases domestic funding for prevention, treatment, care and support.
“If you look at the budget, there is no allocation for ARVs and vital supplies to sustain the celebrated success. The country has relied on donors, who have their own priorities. They help government, but they look at the figures and choose where they want to work. If they select a few districts and responses, does the government have money for those left out?” asks Khonyongwa.
Khonyongwa says reckons donor dependence has partly derailed the National HIV Prevention Strategy and NAC’s strategic plan.
He states: “We have good strategies that can improve both prevention and care, but they are not fully funded. Meanwhile, the focus of many organisations is shifting from HIV and Aids to other donor priorities, such as migration and climate change. If this doesn’t stop, we will continue singing the same songs of low funding and the number of Aids-related death will rise again.”
Budget tracking by Malawi Health Equity Network (Mhen) shows aid constitutes more than 85 percent of the country’s healthcare budget. This means that the State-funded healthcare spending comes short of the requirements of the 2001 Abuja Declaration.
The African Union pact requires governments to ensure at least 15 percent of the national budget goes to strengthening health services. Presently, it gets just six percent in the current K1.7 trillion budget.
During the International Conference on Population and Development in Kenya last November, Minister of Health Jappi Mhango announced Capital Hill’s commitment to meet the 15 percent minimum by 2030.
This further postpones the fulfillment of the African Union resolution, but Mhango retorts: “We are investing slowly but steadily. By 2030, we should be able to reach the required 15 percent. We are only aligning our targets with the Sustainable Development Goal number three which requires us to deliver quality healthcare services for our citizens where they live.”
But Maziko Matemba, from Malawi Network of Aids Service Organisations (Manaso), says the country is racing against the clock in “the decade to end Aids”.
He urges government agencies and every sector to channels one percent of its funding towards combating HIV and Aids as required by the national HIV Strategy.
“Our healthcare needs remain at the mercy of donor preferences. This is unsustainable. Aid can be withdrawn unexpectedly,” he says.
In 2014, some donors closed aid taps following the looting of billions at Capital Hill by civil servants, politicians and their business cronies. Other financiers have redirected their budgetary contributions to projects implemented in partnership with international non-governmental organisations.
Similarly, the donation of NAC cheques to First Lady Gertrude Mutharika’s Beautify Malawi and Mulhako wa Alhomwe, for which President Peter Mutharika is a patron, irked Global Fund to shift its funding from the commission to ActionAid.
Matemba says new infections could be rising because organisations that used NAC funding to deliver behavioral change interventions and vital supplies at community, district and national levels are getting fewer.
“Many community-based organisations and groups, which were active in promoting HIV prevention, testing, treatment and rights, have either died silently or changed focus. We need to revitalise the HIV response at all levels because we are thin on the ground,” he says.
Since 2015, the global response has tilted towards ending Aids by 2030 by increasing the number of people on treatment.
The 90-90-90 campaign backed by UNAids requires countries to ensure that by 2020, at least 90 percent of people living with the virus should know their status, 90 percent of them start treatment and ensure 90 percent of them take drugs until the amount of virus in their bloodstream becomes undetectable.
New science shows people whose viral load has been suppressed to undetectable levels cannot transmit it to their sexual partners.
Ulanda Mtamba says it is important to ramp up HIV prevention, the vital 90 change agents hardly dial up when they talk about 90-90-90. She asks government and its partners to increase the preventive tools, especially for adolescent girls, women and other at-risk groups.
“To protect the population from new infections and sustain reductions in Aids-related deaths, we need to understand where the resources are going and whether we are reaping the desired results. We cannot win the battle unless we protect those most vulnerable to HIV infection. Although women are disproportionately affected, the condom is our only weapon and most women have no power to demand safe sex.”
About nine in 100 people in the country are living with HIV, NAC reports.
Mtamba urges government and nongovernmental organisations to track funding for dialling back HIV and Aids so that they do not only go towards quick gains.
She states: “We need sustainable interventions to end Aids. Clearly, we have missed the targets on prevention.”
And Khonyongwa warns against efforts that protect highly prone populations without shielding the majority they constantly interact with.
“Let us use the whole basket of HIV prevention strategy and we need to look at all age groups. We need not relent or relax.
“If we concentrate on at-risk populations, who will protect the larger population? Some may have no access to condoms, others may be powerless and yet others cannot negotiate safe sex. If we focus on key populations, what will happen to adolescent, who are neither sex workers nor men having sex with fellow men, but are having sex with their peers or aged persons?”


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COVID-19 Resources for people with disabilities
National Disability Institute (NDI)'s Financial Resilience Center offers resources and assistance to help those with disabilities and chronic health conditions navigate financially through the COVID-19 crisis.
Resource topics include:
- Information on the COVID-19 stimulus
- Employment and unemployment
- Public benefits
- Managing money
- Housing, food and healthcare

domain: economics


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Does Serbia acknowledge Albania?
Albanian–Serbian relations are international relations between Albania and Serbia. Albania has an embassy in Belgrade. Serbia has an embassy in Tirana. Serbia and Albania are each official candidate international locations for EU accession.
Why did Kosovo cut up from Serbia?
Kosovo cut up from Serbia in 2008 after a bloody battle in 1998-99 and almost a decade of worldwide administration. Triggered by a brutal crackdown by Serb forces in opposition to Kosovan separatists, the battle noticed about 10,000 ethnic Albanians die earlier than ending with a 78-day Nato bombing marketing campaign.
Is Kosovo going to hitch Albania?
Still, Gallup surveys revealed that 75% of Kosovo Albanians would favor to reside unified with Albania in a single nation. In May 2019, president Hashim Thaçi steered a referendum on the unification of Kosovo and Albania, if the gradual integration course of by the European Union doesn’t speed up.
Does Albania have Navy?
The Albanian Naval Force (Albanian: Forca Detare të Republikës së Shqipërisë) is the naval department of the Albanian navy. The vessels of the Albanian Naval Force are principally patrol craft and help craft. The Naval Force operates 4 giant Damen Stan Type 4207 patrol boats, three of which had been inbuilt Albania.
Did Albania steal submarines?
It was the new spot of battle between the Soviets and the Albanians in 1961 when Albania pulled out of the Warsaw Pact and the dispute of the 4 Whiskey-class submarine possession which Albania had seized.
How many troopers does Kosovo have?
|Kosovo Security Force|
Where is Albania Europe?
Albania, nation in southern Europe, situated within the western a part of the Balkan Peninsula on the Strait of Otranto, the southern entrance to the Adriatic Sea. The capital metropolis is Tirana (Tiranë).
What’s Albania well-known for?
It has only one Nobel Prize winner Mother Teresa, although born within the then-Ottoman Empire and now-capital of Macedonia, Skopje, was Albanian. She gained the Nobel Peace Prize in 1979 for her work serving to the poor in Calcutta, India.
Can you drink water in Albania?
Is the faucet water secure to drink in Albania? Tap water is drinkable nevertheless it holds a excessive quantity of chlorine, which impacts the style. Drinking an excessive amount of faucet water would possibly trigger abdomen cramps, subsequently filtered water is really helpful. To shield the atmosphere we suggest you to put money into a superb water bottle.
Is Albania a pleasant place to reside?
Whilst Albania has issues with drug trafficking, organised crime, and naturally, corruption, it’s typically a secure nation to reside in. As a lady residing in a capital metropolis, there has solely been one event the place I’ve felt endangered, and the gentleman in query was not a neighborhood.
Is it costly to reside in Albania?
A single particular person estimated month-to-month prices are 470$ (48,539Lek) with out hire. Cost of residing in Albania is, on common, 45.91% decrease than in United States. Rent in Albania is, on common, 79.39% decrease than in United States.
Can foreigners purchase property in Albania?
Anyone can personal a property in Albania. Personal possession is the commonest case for a foreigner buying in Albania. There are NO restrictions for foreigners to put money into Albanian property (aside from agricultural lands).
Is Albania a superb place to retire?
Albania is actually a tremendous place to retire. It has all you’ll ever want in a small paradise. There are plenty of lovely locations to go sight-seeing for a soothing weekend, free healthcare, Fresh Bio regionally grown meats, fish and greens, and much more.
Is Albania an inexpensive nation?
Albania may be very inexpensive You can spend an exceptional week travelling by the nation with out breaking the financial institution. Tirana, the capital, is the most costly metropolis, however you continue to gained’t spend an excessive amount of in comparison with different Eastern European locations.
How do I grow to be a resident of Albania?
Foreigners who want to reside in Albania on a long-term foundation (in any case greater than three months inside every six-month interval) shall be issued a residence allow. Foreigners may match in Albania solely after acquiring a piece allow, except in any other case stipulated by the legislation.


Summary: This paper describes the architecture and implementations of an automatic digital tuning circuit for a complex bandpass filter (BPF) in a low-power and low-cost transceiver for applications such as personal authentication and wireless sensor network systems. The architectural design analysis demonstrates that an active RC filter in a low-IF architecture can be at least 47.7% smaller in area than a conventional gm-C filter; in addition, it features a simple implementation of an associated tuning circuit. The principle of simultaneous tuning of both the center frequency and bandwidth through calibration of a capacitor array is illustrated as based on an analysis of filter characteristics, and a scalable automatic digital tuning circuit with simple analog blocks and control logic having only 835 gates is introduced. The developed capacitor tuning technique can achieve a tuning error of less than 3.5% and lower a peaking in the passband filter characteristics. An experimental complex BPF using 0.18 µm CMOS technology can successfully reduce the tuning error from an initial value of -20% to less than 2.5% after tuning. The filter block dimensions are 1.22 mm1.01 mm; and in measurement results of the developed complex BPF with the automatic digital tuning circuit, current consumption is 705 µA and the image rejection ratio is 40.3 dB. Complete evaluation of the BPF indicates that this technique can be applied to low-power, low-cost transceivers.