A sample intended to display a diversity of skills and experience:
1. banking in terms of transaction structuring;
2. fund-raising in terms of prepared remarks and a funding request;
3. market research;
4. program development; as well as,
5. financial projections and analysis.
The document represents a ten-to-fifteen minute reading time.
Each cycle members of the Southwest California Legislative Council are assigned a ballot proposition to review based on their areas of expertise. They present that information to the council where it is discussed, debated, audience members and legislators provide additional feedback, and then a position is adopted. While all votes are not unanimous, the positions represented here are those we feel best represent what is best for our wider membership, our business and individual Chamber members.
Catholic Health Care Services Resolution Agreement and Corrective Action PlanAlex Slaney
Catholic Health Care Services of the Archdiocese of Philadelphia settlement, Resolution Agreement and Corrective Action Plan as a result of violating the HIPAA Security Rule for ePHI
Each cycle members of the Southwest California Legislative Council are assigned a ballot proposition to review based on their areas of expertise. They present that information to the council where it is discussed, debated, audience members and legislators provide additional feedback, and then a position is adopted. While all votes are not unanimous, the positions represented here are those we feel best represent what is best for our wider membership, our business and individual Chamber members.
Catholic Health Care Services Resolution Agreement and Corrective Action PlanAlex Slaney
Catholic Health Care Services of the Archdiocese of Philadelphia settlement, Resolution Agreement and Corrective Action Plan as a result of violating the HIPAA Security Rule for ePHI
A product to enable life-insurer guaranteed investment contracts for separate accounts to function like money market instruments for sale to longer-term investors; increase spreads by 200-400% for insurers.
With the influence of 75,000 troops in-country, the United States had -- and, sadly, missed -- an opportunity of integrating the rule-of-law into Iraqi Society by giving the Sunni minority a permanent stake in a society on-the-mend. Integrating those who had participated in the Sunni Awakening -- including the unsavoury members in support positions -- was practical and inexpensive. This slide-share ought to viewed in conjunction with these parting thoughts to the Multi-National Security Transition Command-Iraq (MNSTCI). All conents in both documents was and is public and unclassified. https://lnkd.in/bpWPCvD
La "prueba diapositiva" que la transferencia de tecnología es factible. Sin embargo, el Consejo Nacional de la Ciencia y Tecnología (CONACYT) carece la fuerza de voluntad para realizarla.
First sell-side opinion to predict that this company would not go into bankruptcy. Discovered the true nature of the problem and prescribed the way out of the difficulty. The recovery of the company followed that path to a 'T'.
The legal structure of an in-haus business incubator, consistent with Mexican law, to transfer technology and knowledge developped inside a national science center to the wider market.
A discussion on what financial markers (few) and social signals to look for when surveying venture-capital, middle-market mergers & acquisitions candidates.
This paper outlines the basics of Modern Portfolio Theory, the Capital Asset Pricing Model, 'Technical Analysis' and the Efficient Market Hypothesis. Far from being obsolesced, the underlying concepts still exist today though digital disruptions du jour shroud them,
A presentation to the Chinese consul in Tijuana. This presentation maps out a way to bring a transformative investment into Baja California to move beyond an antiquated seat-shop economy and toward a tech axis.
This one page analysis (for reading; 2nd page for sources) presents the (e)valuation of a start-up. This is a mock-up; any resemblance to a company is coïncidental.
Presented at 2004 SAM conference; examines how accounting manipulations can radically understate a company's value for it to be seized during an express-bankruptcy
Successful funding package turned around in 48 hours; in-depth due-diligence for an industrial re-start project (i.e., projections and scenario-based forecasting).
Lending Compliance Hot Topics with ICS Compliance_January 2010ICS Compliance
Although there is much legislation in motion on Capitol Hill, financial institutions are already adapting to interim and/or final rules. This webinar will cover hot compliance issues affecting consumer lending, and will include flood insurance requirements, disclosures affecting mortgage loans, private student loans, and credit cards.
Executive Summary of The Ending Homelessness Act of 2016Street Sense Media
Congresswoman Maxine Waters (D-CA), Ranking Member of the Committee on Financial Services, presented a significant legislation that would greatly impact the goal of ending homelessness nationwide Wednesday, March 23.
A product to enable life-insurer guaranteed investment contracts for separate accounts to function like money market instruments for sale to longer-term investors; increase spreads by 200-400% for insurers.
With the influence of 75,000 troops in-country, the United States had -- and, sadly, missed -- an opportunity of integrating the rule-of-law into Iraqi Society by giving the Sunni minority a permanent stake in a society on-the-mend. Integrating those who had participated in the Sunni Awakening -- including the unsavoury members in support positions -- was practical and inexpensive. This slide-share ought to viewed in conjunction with these parting thoughts to the Multi-National Security Transition Command-Iraq (MNSTCI). All conents in both documents was and is public and unclassified. https://lnkd.in/bpWPCvD
La "prueba diapositiva" que la transferencia de tecnología es factible. Sin embargo, el Consejo Nacional de la Ciencia y Tecnología (CONACYT) carece la fuerza de voluntad para realizarla.
First sell-side opinion to predict that this company would not go into bankruptcy. Discovered the true nature of the problem and prescribed the way out of the difficulty. The recovery of the company followed that path to a 'T'.
The legal structure of an in-haus business incubator, consistent with Mexican law, to transfer technology and knowledge developped inside a national science center to the wider market.
A discussion on what financial markers (few) and social signals to look for when surveying venture-capital, middle-market mergers & acquisitions candidates.
This paper outlines the basics of Modern Portfolio Theory, the Capital Asset Pricing Model, 'Technical Analysis' and the Efficient Market Hypothesis. Far from being obsolesced, the underlying concepts still exist today though digital disruptions du jour shroud them,
A presentation to the Chinese consul in Tijuana. This presentation maps out a way to bring a transformative investment into Baja California to move beyond an antiquated seat-shop economy and toward a tech axis.
This one page analysis (for reading; 2nd page for sources) presents the (e)valuation of a start-up. This is a mock-up; any resemblance to a company is coïncidental.
Presented at 2004 SAM conference; examines how accounting manipulations can radically understate a company's value for it to be seized during an express-bankruptcy
Successful funding package turned around in 48 hours; in-depth due-diligence for an industrial re-start project (i.e., projections and scenario-based forecasting).
Lending Compliance Hot Topics with ICS Compliance_January 2010ICS Compliance
Although there is much legislation in motion on Capitol Hill, financial institutions are already adapting to interim and/or final rules. This webinar will cover hot compliance issues affecting consumer lending, and will include flood insurance requirements, disclosures affecting mortgage loans, private student loans, and credit cards.
Executive Summary of The Ending Homelessness Act of 2016Street Sense Media
Congresswoman Maxine Waters (D-CA), Ranking Member of the Committee on Financial Services, presented a significant legislation that would greatly impact the goal of ending homelessness nationwide Wednesday, March 23.
Unpacking the SUPPORT for Patients and Communities Act: Trends in Behavioral ...Epstein Becker Green
The SUPPORT Act takes sweeping aim at the opioid crisis, focusing on numerous aspects of opioid prevention, treatment, and recovery and expanding various types of coverage, use of telemedicine, and electronic prescribing, among other things.
This webinar will highlight important parts of the new law as it pertains to SUD treatment providers and how the law will potentially impact profitability and treatment offerings.
Presented by Harry Nelson – Founder & Managing Partner, Nelson Hardiman; Chairman, Behavioral Health Association of Providers - and Paul D. Gilbert – Member of the Firm, Epstein Becker Green.
Part of a "first Thursdays" webinar series hosted by Behavioral Health Association of Providers, Epstein Becker & Green, P.C., and Nelson Hardiman, LLP.
More info: https://www.ebglaw.com/events/unpacking-the-support-for-patients-and-communities-act-trends-in-behavioral-health-webinar-series/
These materials have been provided for informational purposes only and are not intended and should not be construed to constitute legal advice. The content of these materials is copyrighted to Epstein Becker & Green, P.C. ATTORNEY ADVERTISING.
Attorney Michael James spoke to Michigan Association of CPAs yesterday on his presentation "Accountable Care Organizations 2.0". The presentation addressed the hundreds of pages of recently proposed regulations related to ACOs that represent the most dramatic overhaul of the Medicare Shared Savings Program since its inception. Other insights in the presentation:
- Current Regulatory Environment for Integrated Models
- How Environment Evolves Under Proposed Regulations
- Various Requirements Needed for ACOs
- Potential Risks Under Current ACO Models
To learn more, contact attorney Michael James at mjames@fraserlawfirm.com or 517-377-0823. Michael James is a senior attorney at Fraser Trebilcock, providing representation and counseling related to all facets of business enterprise and health care matters.
NOTE: Information contained in this presentation is only current as of the blog publish date. For updated information, refer to the Fraser Trebilcock Health Care Reform blog: fraserlawfirm.com
PPP Loan Forgiveness and Re-opening Guidance for the Restaurant IndustryWithum
In the midst of COVID-19, restaurants have been forced to change their business model quickly. Withum is partnering with New Jersey Restaurant and Hospitality Association to provide insight on PPP Loan forgiveness and how to prepare for re–opening your restaurant.
This open door forum held on Tuesday, April 25, 2017 provided more detailed information on how to complete the Participant List tool for submission with your application to the Next Generation ACO Model.
- - -
CMS Innovation Center
http://innovation.cms.gov
We accept comments in the spirit of our comment policy:
http://newmedia.hhs.gov/standards/comment_policy.html
CMS Privacy Policy
http://cms.gov/About-CMS/Agency-Information/Aboutwebsite/Privacy-Policy.html
Katz, Marshall & Banks partner Lisa Banks has published an updated edition of the CFTC Whistleblower Practice Guide. The guide provides an in-depth look at the legal protections afforded to commodity futures whistleblowers and best practices for CFTC whistleblowers to prepare effective tips, cooperate with a CFTC investigation and claim a whistleblower award. Established by the Dodd-Frank Act, the Commodity Futures Trading Commission's (CFTC) Whistleblower Program protects whistleblowers from retaliation and also provides them with incentives for reporting fraud among entities involved in commodity futures trading. Recently updated with the latest legal developments and information regarding the CFTC's FY2016 enforcement actions and awards, this guide provides readers with a comprehensive, up-to-date explanation of existing law and valuable insights for CFTC whistleblowers and their counsel.
HR Webinar: The First 100 Days: Changes Employers Should be Aware ofAscentis
April 30, 2021 is the end of the first 100 days of the new Biden Administration. Not only did we have a change of party in the White House, but for the first time since 2011 we are also experiencing single party control of the House of Representatives, Senate and Presidency.
From vaccine logistics to small business relief, from minimum wage to gender pay equity, and from immigration reform to health care policy, political analysts expected big changes from the new Administration. In this session, we’ll review reality against expectations, and the HR technology implications for the change to come.
1.The following clause was added to the Food and Drug Actthe S.docxcroysierkathey
1.The following clause was added to the Food and Drug Act:
“the Secretary [of the Food and Drug Administration] shall not approve for use in food any chemical additive found to induce cancer in man, or, after tests, found to induce cancer in animals.”
After this clause was adopted, no new additives could be approved for use in food if they caused cancer in people or animals.
The public loved this and industry hated it.
What do you think of this clause? Do you support it or do you oppose it?
At the top of your post, please indicate SUPPORT or OPPOSE and then give your rationale. Then after you can view your classmates' posts, make your case to your fellow students.
2.There was a law that individuals who were indigent and who wished to litigate could apply to the courts for a total waiver of the normal filing fee. In the legislative session, however, a statute was enacted which limits the courts' authority to waive filing fees in lawsuits brought by prisoners against the state government.
Under this new law, a court has to require the prisoner to pay a filing fee "equal to 20 percent ... of the average monthly deposits made to the prisoner's [prison] account ... or the average balance in that account", whichever is greater (unless this calculation yields a figure larger than the normal filing fee).
A prisoner (who was indigent) wanted to appeal his case and was to be charged this fee. He filed suit claiming it was unconstitutional to charge this fee to prisoners.
Choose the side of the prisoner or the side of the state and tell why you would rule for the side you chose.
At the top of your post, please indicate SUPPORT PRISONER or OPPOSE PRISONER and then give your rationale. After you can view your classmates' posts, make your case to your fellow students.
3.A defendant pleaded guilty to receiving and possessing child pornography and was sentenced to 108 months in prison. The sentencing judge raised the defendant’s base offense level….by two levels because "a computer was used for the transmission" of the illegal material.
The appeal filed challenged the punishment enhancement (not his guilt of the base punishment.)
The defendant argued the law did not apply to him because he did not use a computer to transmit the material. (ie He was the receiver, not the sender, of the child pornography.)
Do you believe that the sentence enhancement should be upheld? Give an economic analysis and rational for your choice.
At the top of your post, please indicate SENTENCE UPHELD or SENTENCE REVERSED and then give your economic analysis/rationale. After you can view your classmates' posts, make your case to your fellow students.
4.The ordinance was enacted that gives tenants more legal rights including:
the payment of interest on security deposits;
requires that those deposits be held in Illinois banks;
allows (with some limitations) a tenant to withhold rent in an amount reflecting the cost to him of the landlord's v.
Annotated album of a week-end spent in Kharkiv, Ukraine in late June 2022. Very Eurasian; different from Kyiv. ¡But 111% Ukrainian!
Many young people came from Western Ukraine, more European, to aid their Eurasian brethren under attack.
¡Magnificent!
¡Bravò, Ukraine!
Photo-stack of digital collages from a w/e spent waking around Odesa, Ukraine in early July 2022.
¡What a magnificent city!
¡What a magnificent people!
#ukrainewar #russianinvasion #ukraine #russia #Odesa #odessa #putin #genocide
Eighteen particular situations three careers that required versatility, initiative, and innovation to benefit the mission, the end-user, or the organization.
A joint Directors and Officers as well as Errors and Omissions policy outline for hedge funds. The D.&.O. policy applies at the partnership level, while the E.&.O. piece covers portfolio managers and analysts. Please refere to the article penned by Mr Andrew Ross Sorkin in the 'New York Times'.
https://www.nytimes.com/2021/03/29/business/dealbook/credit-suisse-nomura-archegos.html
Marketing Presentation and sales pitch to medium-sized realtor in Tijuana, Mexico. Predominantly in Spanish.
Presentación de márketing digital en español para una agencia inmobiliaria ubicada en Tijuana, México.
Reconciliation of new governmental accounting system with out-dated BAAN information system
Conciliacion del nuevo sistema de contabilidad con aquello obsoleto informatico (BAAN, James Baan)
A discussion of the pedagogy of elevating measurable outputs in a syllabus to optimised output most favourable to student development intellectually and characterologically.
Full semester course in eight weeks. Used multi-media approach through films, reading, and Ted Talks for students to analyse five key parts of leadership:
> the little black box (i.e., idiosyncratic)
> vision to reality
> internal stake-holders
> communications
> external stake-holders
Lesson Plan for the most complicated phase of Project Management: Earned Value Management. Lesson plan guides students through the coordination of other phases through hypothetical examples. #PM #ProjectManagement #University #BusinessSchool
Catalogue (¿raisonné?) and biography of Ms Nancy H. Barton (1920-2008) -- "Ahead of Her Time" -- featuring early paintings displaying traditional craftsmanship and later works of material expressionism.
A letter to the senior diplomat in the State Department on behalf of a family facing persecution in Iraq. The Halabi family has served, and still serves, both the Government or Iraq and the United States Government in teaching, athletics training and refugee support.
Speech composed, with others, on behalf of the Director of the RD&I center in Mexico where I served in the Peace Corps. My part was in strengthening the style in English and in making the speech engaging.
A report submitted to the Senior Command and Senior Civilian Representative for the Northern Region of Afghanistan. Merits of report earned an invitation into an informal cross-agency intel group in Kabul.
Health Education on prevention of hypertensionRadhika kulvi
Hypertension is a chronic condition of concern due to its role in the causation of coronary heart diseases. Hypertension is a worldwide epidemic and important risk factor for coronary artery disease, stroke and renal diseases. Blood pressure is the force exerted by the blood against the walls of the blood vessels and is sufficient to maintain tissue perfusion during activity and rest. Hypertension is sustained elevation of BP. In adults, HTN exists when systolic blood pressure is equal to or greater than 140mmHg or diastolic BP is equal to or greater than 90mmHg. The
LGBTQ+ Adults: Unique Opportunities and Inclusive Approaches to CareVITASAuthor
This webinar helps clinicians understand the unique healthcare needs of the LGBTQ+ community, primarily in relation to end-of-life care. Topics include social and cultural background and challenges, healthcare disparities, advanced care planning, and strategies for reaching the community and improving quality of care.
CHAPTER 1 SEMESTER V PREVENTIVE-PEDIATRICS.pdfSachin Sharma
This content provides an overview of preventive pediatrics. It defines preventive pediatrics as preventing disease and promoting children's physical, mental, and social well-being to achieve positive health. It discusses antenatal, postnatal, and social preventive pediatrics. It also covers various child health programs like immunization, breastfeeding, ICDS, and the roles of organizations like WHO, UNICEF, and nurses in preventive pediatrics.
PET CT beginners Guide covers some of the underrepresented topics in PET CTMiadAlsulami
This lecture briefly covers some of the underrepresented topics in Molecular imaging with cases , such as:
- Primary pleural tumors and pleural metastases.
- Distinguishing between MPM and Talc Pleurodesis.
- Urological tumors.
- The role of FDG PET in NET.
India Diagnostic Labs Market: Dynamics, Key Players, and Industry Projections...Kumar Satyam
According to the TechSci Research report titled “India Diagnostic Labs Market Industry Size, Share, Trends, Competition, Opportunity, and Forecast, 2019-2029,” the India Diagnostic Labs Market was valued at USD 16,471.21 million in 2023 and is projected to grow at an impressive compound annual growth rate (CAGR) of 11.55% through 2029. This significant growth can be attributed to various factors, including collaborations and partnerships among leading companies, the expansion of diagnostic chains, and increasing accessibility to diagnostic services across the country. This comprehensive report delves into the market dynamics, recent trends, drivers, competitive landscape, and benefits of the research report, providing a detailed analysis of the India Diagnostic Labs Market.
Collaborations and Partnerships
Collaborations and partnerships among leading companies play a pivotal role in driving the growth of the India Diagnostic Labs Market. These strategic alliances allow companies to merge their expertise, strengthen their market positions, and offer innovative solutions. By combining resources, companies can enhance their research and development capabilities, expand their product portfolios, and improve their distribution networks. These collaborations also facilitate the sharing of technological advancements and best practices, contributing to the overall growth of the market.
Expansion of Diagnostic Chains
The expansion of diagnostic chains is a driving force behind the growing demand for diagnostic lab services. Diagnostic chains often establish multiple laboratories and diagnostic centers in various cities and regions, including urban and rural areas. This expanded network makes diagnostic services more accessible to a larger portion of the population, addressing healthcare disparities and reaching underserved populations. The presence of diagnostic chain facilities in multiple locations within a city or region provides convenience for patients, reducing travel time and effort. A broader network of labs often leads to reduced waiting times for appointments and sample collection, ensuring that patients receive timely and efficient diagnostic services.
Rising Prevalence of Chronic Diseases
The increasing prevalence of chronic diseases is a significant driver for the demand for diagnostic lab services. Chronic conditions such as diabetes, cardiovascular diseases, and cancer require regular monitoring and diagnostic testing for effective management. The rise in chronic diseases necessitates the use of advanced diagnostic tools and technologies, driving the growth of the diagnostic labs market. Additionally, early diagnosis and timely intervention are crucial for managing chronic diseases, further boosting the demand for diagnostic lab services.
COVID-19 PCR tests remain a critical component of safe and responsible travel in 2024. They ensure compliance with international travel regulations, help detect and control the spread of new variants, protect vulnerable populations, and provide peace of mind. As we continue to navigate the complexities of global travel during the pandemic, PCR testing stands as a key measure to keep everyone safe and healthy. Whether you are planning a business trip, a family vacation, or an international adventure, incorporating PCR testing into your travel plans is a prudent and necessary step. Visit us at https://www.globaltravelclinics.com/
Empowering ACOs: Leveraging Quality Management Tools for MIPS and BeyondHealth Catalyst
Join us as we delve into the crucial realm of quality reporting for MSSP (Medicare Shared Savings Program) Accountable Care Organizations (ACOs).
In this session, we will explore how a robust quality management solution can empower your organization to meet regulatory requirements and improve processes for MIPS reporting and internal quality programs. Learn how our MeasureAble application enables compliance and fosters continuous improvement.
Empowering ACOs: Leveraging Quality Management Tools for MIPS and Beyond
Fund-raising package
1. Request. A banking facility to establish XXXXX, a non-profit welfare agency under Section 501(c)(3) of the
Internal Revenue Code, proposed per the following general terms detailed in ‘Annex A’:
Amount: $200,000 Line of Credit
Life of the Line: two (2) years, extendible by one year increments
Annual interest rate: four and one-half percent (4.5%; Prime PLUS 50 basis points)
Source of Repayment (per ‘Annex B’): available operating cash flows as forecast below
Item 2017 2018 2019
Principal Repayment $35,000 $70,000 $74,750
Interest and Fees $7,852 $5,499 $1,947
Debt Service $42,852 $75,499 $76,697
Available Cash Flow $115,964 $254,553 $306,686
Debt Service Coverage 2.7x 3.4x 4.0x
Overview of XXXXX. XXXXX will provide upper-end transitional housing for four to eight adults suffering
from various behavioral addictions that have emerged as treatable, chronic mental conditions over the last
generation. XXXXX, through its referral network and advisory board, will make state-of-the-discipline
therapies available to residents who have completed in-house rehabilitation programs for one to three months
(30-90 days).
The therapeutic goal for XXXXX is to provide a disciplined and supportive environment so residents can
continue to unlearn destructive behaviors by replacing them with suitable habits to cope with the inevitable
stressors in life, which trigger impulses toward relapse. With a daily regimen of specific therapies as well as
12-step meetings and other developmental activities, as detailed preliminarily in ‘Annex C’, these residents
will repair themselves and their damaged relationships for a seamless reintegration into everyday living.
The entrance criteria for acceptance into XXXXX will include, but not be limited to, the following:
1. released in good standing from a residential rehabilitation center in the last three (3) years;
2. payment of monthly residence fees, now set at $15,000, preferably due on the first of each month;
3. no convictions, unresolved charges or past records of physical abuse of, or assault against, others;
4. signature of a residential contract to abide by facility rules and therapeutic discipline; and,
5. acceptable credit history and identified second payment source.
XXXXX will also host two one (1) week seminars each year for up to ten (10) families for each seminar at
$10,000 per family.
Marketing Summary. Please refer to ‘Annex D’ which documents the general absence of adequate
transitional housing for recovery from recently identified behavioral addictions. Compulsive behaviors have
traditionally been viewed as manifestations of a primary substance abuse. Only in the last generation have
effective therapies emerged; the most prominent of these remains the ‘thirty-task-model’ pioneered by Dr
Patrick Carnes, a discipline at the core of XXXXX’s therapeutic mission.
XXXXX will position itself in the market through a number of initiatives undertaken with top-tier residential
facilities per ‘Annex E’. The depth of XXXXX’s management team will accelerate these initiatives with
residential rehabilitation centers programs that do not specialize in behavioral addictions but recognize their
impacts as concurrent disorders and those very few that do. A secondary source of residents will be qualified
applicants referred individually by certified behavioral addiction therapists.
The initial offering taken by XXXXX to the market will be a ‘minimum viable product’ to be improved through
the feed-back received from the initial residents to improve the center’s efficacy, over time, in the long-term
and sustainable recovery of struggling substance and behavioral addicts. Of course, as the product itself
improves, the price will increase to monetize the value of the services proffered by XXXXX toward the upper-
end segment of this emerging niche in the market of transitional housing.
Management Team. Detailed in ‘Annex F’, the XXXXX management team has a century of cumulative
clinical, start-up and business experience. Operating facilities will remain in compliance with applicable state
laws and best practices of the various industry alliances at all times.
2. ANNEX-A: Summary Terms and Conditions of Loan
Borrower XXXXX; a non-profit institution under Section 501 (c)(3) of the Internal Revenue Code.
Facility USD two hundred thousand ($200,000) committed line of credit
Interest
Fees
ServisFirst Prime Rate PLUS fifty basis points (Prime+0.5%); 4.5% at closing
$438.75 at closing; $400 at extension, as reasonably adjusted by ServisFirst
Anticipated
Draw-down
Upon meeting the Conditions Precedent for Closing and for Funding, the Facility will be
drawn in the first quarter of 2017.
Expiry December 31, 2018.
Purpose of
Loan
Capital Expenditures to prepare a property in Philadelphia, Maryland (located at 208 Rex
Avenue) to become a transitional living house for up to eight (8) behavioral addicts
recently exiting residential rehabilitation programs of thirty (30) days or more. The
Borrower may request additional financing to retro-fit a property in the area of Palm
Beach, Colorado for up to sixteen (16) addicts.
Source of
Repayments
Free cash flows, as detailed in the Borrower’s projections
Security Property and equipment purchased under the line
Lien on future cash flows
Conditions
Precedent
to Closing
Customary for Facilities of this type and including but not limited to:
1. verification of standard representations and warranties made by Borrower and
Principals;
2. signed letter of intent for use of the property in Philadelphia;
3. opinion of counsel attesting to compliance with zoning laws, state statutes
regulating such facilities, etc.;
4. statement of acknowledgement of the implementation of best practices and
adherence to regulatory requirements by the Borrower; as well as,
5. satisfactory background checks of the Principals.
Conditions
Precedent
to Funding
Customary for Facilities of this type and including but not limited to:
1. documentation for specific uses of funds;
2. continued satisfactory compliance with best practices and regulatory
requirements;
3. enforcement of eligibility criteria of residents to exclude those with unresolved
charges, convictions or records of sexual or physical assault; as well as,
4. proof of protocol for fee collection from residents.
Defaults Customary for Facilities of this type and including but not limited to:
1. material misrepresentation or breach of warranty not remedied for sixty (90)
calendar days;
2. payment default not cured for sixty (60) calendar days;
3. failure to perform or pay under material contracts without adequate cause; or,
4. failure to comply with covenants reasonably established.
Remedies Re-negotiation of the contract in good faith; possession of the equipment financed by the
borrowings and other such remedies negotiated prior to the execution of this transaction.
3. ANNEX B: Projections with three (3) year life
* For these projections, the costs of initial fund-raising and incorporation are not capitalized and are paid in the second quarter of 2017
** The interest for the first quarter of 2017 is paid in the second quarter or 2017
4. ANNEX B (continued): Projections with two (2) year life; per Bank terms
* For these projections, the costs of initial fund-raising and incorporation are not capitalized and are paid in the second quarter of 2017
** The interest for the first quarter of 2017 is paid in the second quarter or 2017
5. ANNEX C: Preliminary Daily Schedule for Residents
Time Monday Tuesday Wednesday Thursday Friday
7:30 a.m. Wake-up bell Wake-up bell Wake-up bell Wake-up bell Wake-up bell
8:00 a.m. Inspection Inspection Inspection Inspection Inspection
8:00 a.m. Breakfast Breakfast Breakfast Breakfast Breakfast
8:45 a.m. Daily Orientation Daily Orientation Daily Orientation Daily Orientation Daily Orientation
9:15 a.m. Individual Therapy Individual Therapy Individual Therapy Individual Therapy Individual Therapy
10:30 a.m. Life-skills class Group Therapy Life-skills class Group Therapy Life-skills class
Noon LUNCH LUNCH* LUNCH* LUNCH* LUNCH
1:00 p.m. Alternative Therapy 12-step meeting 12-step meeting 12-step meeting Alternative Therapy
3:00 p.m. Exercise and Fitness Exercise and Fitness Exercise and Fitness Exercise and Fitness Exercise and Fitness
5:00 p.m. Journaling Journaling Journaling Journaling Journaling
6:30 p.m. Dinner Dinner Dinner Dinner Dinner
8:30 p.m. 12-step meeting Game-night Educational Film Arts & Crafts (Hobbies) 12-step meeting
10:00 p.m. Small discussion groups** Small discussion groups** Small discussion groups** Small discussion groups** Small discussion groups**
11:30 p.m. Lights out bell Lights out bell Lights out bell Lights out bell Lights out bell
Midnight Inspection Inspection Inspection Inspection Inspection
* 11:30 a.m. lunch ** Snacks provided; to recap the day among patients (unsupervised)
Time Saturday Time Sunday
8:00 a.m. Wake-up bell; continental breakfast 8:00 a.m. Wake-up bell; continental breakfast
9:30 a.m. Alternative Therapy 9:30 a.m. Life-skills class
11:00 a.m. 12-step meeting & workshop 11:00 a.m. Chapel
1:00 p.m. LUNCH 11:30 a.m. BRUNCH
2:15 p.m. Journaling 1:00 p.m. Family visitation
3:00 p.m. Outdoor activities 3:00 p.m. Small discussion groups
6:00 p.m. Small discussion groups 4:30 p.m. Exercise & Fitness
7:15 p.m. Dinner 6:00 p.m. Sunday Supper
8:00 p.m. Presentation by patients 7:00 p.m. 12-step meeting
10:00 p.m. Free time 8:30 p.m. Journaling and free time with snacks
Midnight Inspection 11:30 p.m. Lights out bell (inspection at midnight)
6. ANNEX D: Preliminary Market Review of Behavioral Addiction Recovery Houses
https://www.addictionhope.com/special-programs/featured/
http://www.heraldtribune.com/news/20071118/addicts-flock-to-delray-beach-to-confront-their-habits-many-never-go-home
Facility Location Costs Comments
Celebrate Hope / Hope by the Sea
https://www.christiansdrugrehab.com
Laguna Beach, CA (800) 631-7753 $26,000 / $15,000-30,000 Dual diagnosis; mainly substances
Clean Adventures
http://cleanadventures.com/
Prescott, AZ (928) 443-8767 $4,500 per month
Principally heroin; dual diagnosis for
compulsive behaviors
Kristi Love Foundation (for women)
http://thekristylovefoundation.org/
Louisville, KY 502 408 3129 Free; grant-funded
Healing from sexual abuse or assault,
addiction and human trafficking
Straight Path Recovery
http://www.straightpathrecovery.com/
Vancouver, BC 778-840-9351 $31 per day
Supplementary to substance
addictions
Tranquility House Alternatives
http://tranquilityhousealternatives.org/
Oakland, CA 510-878-1675 $550 per month
Multiple addictions; substance abuse
and behavioral addiction
Angels of Mercy Recovery House
http://www.angelsofmercyrh.org/
Kansas City, MO (816) 437- 7349 Minimal or free
For women who suffered abuse; site
4 years out of date.
Refuge House
http://refugehouse.com/
Tallahassee, FL 850-681-2111 Subsidized
For female victims of sexual assault
and trafficking
Reaching Pines
http://mcwctx.org/our-services/reaching-pines-transitional-housing/
Shenandoah / Conroe, TX
936.441.4044
Sliding scale, subsidized
For female victims of sexual assault
and trafficking
Next Step Ministries
http://www.nsmcalgary.com/
Calgary, Alberta 587-889-0774
For female victims of sexual assault
and trafficking (Sparrow House)
CODAC
http://www.codac.org/
Tucson, AZ (520) 327-4505 For underserved LGBTG friendly
Elijah Family Homes
http://elijahfamilyhomes.org/
Richland, WA 509-943-6610 Mainly for working poor
Must be clean for a year; behavioral
addiction secondary
Bradford; Reprieve Program
http://experiencethereprieve.com/
Opelika, AL (334) 749-3445
$20,000 for 28 days
(Bradford Health)
Basically for addiction and family
dimensions
Spencer Recovery Centers
http://spencerrecovery.com/
Laguna Beach, CA 800.334.0394
$22,000 1st month
$11,000-14,000 thereafter
Multiple addictions; concurrent
compulsive behavioral disorders
7. ANNEX E: Preliminary Identification of Behavioral Addict Rehabs
http://luxury.rehabs.com/start-here/
http://www.addictionrecoveryguide.org/treatment/residential/centers
http://www.feedtherightwolf.org/2011/05/behavioral-addiction-rehabs-overview-of-8-us/
Facility Location Costs Comments
Pride Institute
http://pride-institute.com/
Eden Prairie, Minneapolis
(952) 934-7552
$700-800 per day in-patient
$285 per day out-patient
LGBT; multiple addictions, including compulsive
behaviors
The Recovery Ranch
https://www.recoveryranch.com
Santa Ynez / Barbara, CA
1-931-981-9752
$4,000 for 30 days
$16,500 for six months
Multiple addictions with focused program on
behavioral re-programming; ‘equine’ therapy
Beachway Therapy Center
https://www.beachway.com
Boynton Beach, Florida
877-978-1753
$12,000 per month
$27,000 for 90 days
Psycho-drama / equine therapies mentioned;
multiple addictions
The Meadows
https://www.themeadows.com
Wickenburg, Arizona
928-668-1999
$37,710
Multiple addictions, including compulsive
behaviors; equine therapy; Tai Chi
Relativity / The Ranch
https://www.sexualrecovery.com/
Nunnelly, TN; Euliss, TX
1-424-239-6814
$17,000 per month, at least
Singular focus on behavioral addictions; LGBT
program; multiple locations
Cottonwood
https://www.cottonwooddetucson.com
Tucson, Arizona
(520) 743-0411
$29,000
Multiple addictions; behavioral addictions treated
concurrently; Dr Phil endorsed
Santé Center
http://www.santecenter.com/
Argyle, Texas
940.464.7222
$33,000
Multiple addictions; equine therapy; stronger
relative focus on behavioral disorders
Promises
https://www.promises.com
L.A., CA; Austin, TX
888-478-1362
$35,000-55,000
Multiple addictions with compulsions co-occurring;
luxury drug rehab
Klean Treatment Centers
https://kleantreatmentcenters.com
L.A., CA; Portland, OR
(855) 408-6018
$15,000 per month Multiple addictions, including compulsive behaviros
Linden Grove
http://www.pinegrovetreatment.com/
Plattsburgh, NY
518-288-2273
$8,000-12,000 per month
“30 Task Gratitude Program”; strong program on
behavioral addiction
The Refuge
http://www.therefuge-ahealingplace.com/
Ocklawaha, Florida
877.849.0738
$25,000 / $43,000 / $60,000
Multiple addictions; compulsive behavior as a
concurrent disorder
The Keystone Center
https://www.keystonecenter.net/
Philadelphia (Chester), PA
610-876-9000
Behavioral addiction program; multiple addictions;
in bequeathed mansion
Life Healing Center
http://www.life-healing.com/
Santa Fe, New Mexico
877.959.3529
$20,000
Multiple addictions; ranked highly for behavioral
addictions; focus on equine therapy
8. ANNEX E (continued): Preliminary Identification of Behavioral Addict Rehabs
Facility Location Costs Comments
Sierra Tucson
http://www.sierratucson.com/
Tucson, AZ
877.801.2632
$49,000 per month
Behavioral addictions; trans-cranial
brain therapy; REM
Candeo Can
http://candeobehaviorchange.com/
On-line; W. Jordan
801-930-0035
$47 per month Exclusively behavioral addiction
Behavioral Health of Palm Beach
https://www.bhpalmbeach.com
Lake Worth, FL
(888) 432-2467
$49,500-80,000
Multiple addictions; luxury and
executive rehab facilities
Alpine Horizon
http://www.alpine-horizon.com/
Gstaad, C.H.
011 41 (0)26 924 21 21
$125,000
A resort; hiking; nature based; other
therapies for compulsive behaviors
The Canyon - Malibu
http://thecanyonmalibu.com/
Santa Monica, CA
(310) 774-2043
$58,000
Substance; concurrent treatment;
equine, cognitive; sweat lodge
The Oaks at La Paloma
http://theoakstreatment.com/
Memphis, TN
(866) 763-1275
$28,000 for 30 days;
$13,000 out-patient
Substance abuse; concurrent
compulsions; artistic; non 12-step
Black Bear Lodge
http://blackbearrehab.com/
Sautee Nacoochee, GA
855-705-9380
$30,000 for 30 days
Substance abuse; concurrent
behavioral disorders; non 12-step
Caron Foundation
http://www.caron.org/
PA / Palm Beach / TX
(800) 678-2332
$35,000
Couples: 3 days $2,000 / couple
Breakthrough: 5 days; $3,250
Silver Hill
http://www.silverhillhospital.org/
New Canaan, CT
203-966-3561
$37,000-56,000
Private: double rate
Multiple addictions; concurrent
behavioral disorders; arts
Betty Ford Center (Hazelden)
http://www.hazeldenbettyford.org/
Rancho Mirage, CA
502 408 3129
$33,000-50,000 Primarily substance addiction;
support element / LGBTQ
The Growth and Recovery Center
http://thegrowthandrecoverycenter.com/
Lafayette Hill, PA
610 828 4298
$480 per week Purely behavioral addiction
S.T.A.R.
http://starhealing.org/
Wynnewood, PA
610-658-2737
“competitively
priced”
Purely behavioral addiction
9. ANNEX F: Bio-Briefs on Principals
Virginia Baltzell; Chairman
Ms. Baltzell is a career real estate agent, interior decorator and historic preservation leader in Philadelphia.
Currently at Sotheby’s, Ms Baltzell has integrated experience in the intermediation and administrative parts of
realty with an ‘interior artistry’ expertise. In addition to being a Director of the Alabama Metal Works Company,
she also is active in philanthropic work with a local private school, the Fairmont Park Preservation Trust, The
Philadelphia Museum of Art and various other organizations supporting the fine arts. Ms Baltzell is an Art History
and Architecture graduate of Boston University with additional studies at Temple University and the Moore
School of Fine Arts.
Daniel Drennen II; Executive Director
Mr Drennen is a practicing attorney in Birmingham, specializing in estate planning, tax law and corporate-owned
life insurance. Over his career in finance and the law, Mr Drennen has also specialized in investment and private
banking. Mr Drennen has worked at Lyons, Pipes & Cook; the Bradley Law Firm; Johnston, Barton, Procter &
Rose LLP; Mellon Bank; Wilmington Trust; Wells Fargo; Mass Mutual; as well as, L.A.H. Commercial Realty. Mr
Drennen has a B.A. in French and European History from Washington & Lee; a J.D. from the Cumberland School
of Law; as well as, an LLM in Taxation from the Emory University School of Law.
Stefanie Carnes, Ph.D., LMFT; Director of Clinical Operations (in negotiation)
Dr Carnes is a nationally recognized authority on behavioral addictions and practitioner of the related behavioral
therapy. Over the last two decades, Dr Carnes has served in senior-level capacities in nationally recognized
clinics while contributing pivotal research to the field through various universities and by authoring three books
on the subject (including a comprehensive work-book). Dr Carnes has advanced state-of-the-discipline therapies
by perfecting the best practices for behavioral addiction treatment developed by her father, Dr Patrick Carnes,
and his 30-task model. A graduate of the University of California with a Masters in Family Counselling, Dr Carnes
has attained her Ph.D. in the same field at the University of Georgia.
10. FUND-RAISING REMARKS
Thank you, Virginia. As you may know by now, I am Dan Drennen here tonight from
Alabama as the only man in the room without an accent.
Let me open by saying that Miss Virginia Baltzell has been a friend for many years.
Our friendship remains close to my heart because Virginia has always encouraged me
to pursue my dreams.
Her willingness to enable my life’s work amply proves everything one could ever cherish
a friend for being.
So, Virginia, I thank you, deeply.
Your stepping forward makes this beautiful, historic structure available to our work.
Ladies and gentlemen, Virginia Baltzell’s leadership literally means advanced and
cutting-edge care for people who have lost everything that really counts in life.
First of all, just what is Serendipity and whom do serve?
We are a non-profit focused on recovering substance abuse and behavioral addicts –
people similar to us gathered here with that one crippling, insidious difference.
And so, we shall work together with addicts committed to, and investing in, a gentle re-
integration into their families.
Now, let’s be honest, here: we all wince, at least a little bit, when we hear the term
“halfway house”.
A great idea but in somebody else’s neighborhood.
11. And, yes, I share this aversion with you, too.
Nevertheless, not all transitional living arrangements entail spill-over risks.
Our entrance criteria will exclude anyone with a pending allegation or past felony
conviction or another indicator of dangerously anti-social behavior.
Any resident found to have misrepresented his eligibility or who engages in precursors
to such behavior will be summarily dismissed without refund of that month’s residential
fee.
Entrants will have successfully completed intensive in-house residential rehabilitation
treatments so Serendipity can remain a safe-haven of spiritual convalescence.
The treatment itself will be a twenty-four / seven regimen of intensive patient-centered
behavioral modification treatments to anchor a newly learned spiritual discipline.
Limited play-time will enable residents to learn to relax inside their own skin.
This recreation will include short week-end excursions to Fairmont Park – as we all know,
one of Virginia’s brightest babies – so residents can re-learn the everyday pleasures of
everyday life to supplant addictive behaviors.
These groups create the peer-based accountability necessary to curb individual relapse.
As a non-profit organization, however, Serendipity will require the beneficence of people
like y’all to make its start.
Tonight, I ask you to join Virginia and me in starting Serendipity by donating one
thousand dollars over each of the next five years to establish our operations, first here
in Chestnut Hill and then in similar venues around North America.
12. In making your decision, I implore you to think of someone you know and care about
who suffers with behavioral addiction and imposes collateral damage on his loved ones.
A decent man needing your help to renew a life of dignity and loving-kindness.
It is he – in your mind’s eye – for whom you step forward this evening.
Thank you for your time and courtesy.