Des Plaines, IL (July 18, 2022) – The next testing window for the GISCI Geospatial Core Technical Knowledge Exam® as a part of the GISP Certification has been scheduled and will once again be administered by PSI Online through their worldwide testing facilities in a computer-based testing (CBT) format.
Exam Dates: December 3 – 10, 2022
Location: PSI Worldwide Testing Centers
Application Period: Closes two weeks before the testing window begins
Application and Scheduling Procedure:
GISCI offers the exam to individuals independent of their application for the Portfolio Review process. Existing GISPs are not eligible to take the Exam, and it is not a part of GISP recertification.
The exam will be administered by PSI Online, a worldwide exam delivery company with over 70 years of experience in providing computer-based testing (CBT) facilities across the US, Canada, and around the world. exam candidates have 4 hours to complete the exam; most complete it within three hours.
Detailed information on test locations, exam prep materials, and more are available on the GISCI website. Visit https://www.gisci.org/ExamInfo.aspx
About GISCI The GIS Certification Institute (GISCI) is a non-profit organization that promotes the advancement of proficient GIS professionals through its international GISP® (Certified GIS Professional) certification program. The Institute fosters rigorous professional and ethical standards, community engagement, and professional mentoring within the GIS industry. GISCI’s member organizations include the American Association of Geographers (AAG), National States Geographic Information Council (NSGIC), University Consortium for Geographic Information Science (UCGIS), and the Urban and Regional Information Systems Association (URISA).
More information about the GISCI is available at www.gisci.org
Tara Duggan is a Project Management Professional (PMP) specializing in knowledge management and instructional design. For over 25 years she has developed quality training materials for a variety of products and services supporting such companies as Digital Equipment Corporation, Compaq and HP. Her freelance work is published on various websites.
Tara Duggan is a Project Management Professional (PMP) specializing in knowledge management and instructional design. For over 25 years she has developed quality training materials for a variety of products and services supporting such companies as Digital Equipment Corporation, Compaq and HP. Her freelance work is published on various websites.
ST. BONAVENTURE, N.Y. — Katie Heitzman and Claire Schaef didn’t just pass the American Society for Biochemistry and Molecular Biology certification exam. They did so with distinction.
Heitzman and Schaef, who graduated from St. Bonaventure University in May with degrees in biochemistry, were among only 12% of graduating seniors nationwide who passed the ASBMB exam with distinction, meaning they attained scores of “proficient or above” on 10 of the 11 exam questions.
Overall, only 43% of the 1,052 students passed the exam to achieve certification (“proficient or above” on at least eight questions).
“Compared to the national average of below 50% for ASBMB certification, this is strong evidence for the preparedness that our biochemistry program provides for our students,” said Dr. Xiaoning Zhang, biology professor and director of the biochemistry program.
“I’m very proud of Katie and Claire. They worked hard and persevered, especially during the pandemic. These are invaluable traits that the workforce is looking for.”
The certificate exam has been offered to graduating biochemistry seniors at St. Bonaventure every year since 2018, when SBU’s program earned ASBMB accreditation. Since then, about 90% of SBU’s students who took the exam achieved certification, almost all with distinction, Zhang said.
The certification exam is designed to test students’ knowledge and understanding of the core competencies in biochemistry and molecular biology developed by the ASBMB and its members. Questions have been structured to assess these concept areas at different levels of cognitive skills and abilities.
Editorial Note: We earn a commission from partner links on Forbes Advisor. Commissions do not affect our editors' opinions or evaluations.
As work and school have pivoted to remote environments in the last couple years, computer sales have soared to record highs. Laptops and mobile technology have become even more necessary in today’s households, offices and classrooms.
But for college students, new laptops often come at steep, unaffordable prices. Fortunately, there are ways to get a free laptop for college. Through scholarship opportunities, charitable donation programs and college student discount deals from top brands, tech is becoming more accessible to students.
Free laptop programs provide computers at no cost to students. Funded by colleges, educational nonprofits and scholarships from leading tech brands, these programs empower students with reliable tech to ensure academic and professional success.
Keep in mind: Most free laptop programs have specific eligibility requirements, including enrollment in an accredited four-year degree program.
Yes. Many colleges distribute free laptops at no cost to their students. The following are just a few examples of universities in the U.S. that certain free technology to incoming students:
As you start applying to schools, check out their IT department websites. These usually outline any free or discounted laptop promotions for new students.
If your college or university doesn’t offer free laptops as a part of enrollment, check out your school’s library. Temporary laptop loans are typically available for students to use on campus. For commuter students who prefer to study off campus, local libraries are also a great option for borrowing free laptops.
If you don’t have access to a laptop through school and you’re experiencing financial challenges, don’t worry. Several nonprofit organizations provide free laptops to students in need on a rolling basis.
Since 1999, the On It Foundation has provided free computers to low-income K-12 students in U.S. public schools. The nonprofit collaborates with educational institutions, businesses and local community members to collect and distribute donated computers. The organization also offers technology training and internet access to families.
To apply for a free computer, a parent or guardian should contact the On It Foundation via a letter or an email with a request that includes proof of financial need.
Receiving hundreds of requests per day, Computers with Causes gives over 20,000 donated computers annually as a part of the Giving Center Charity. Free computers are available to anyone. However, the organization prioritizes students and teachers, people experiencing housing insecurity, disabled veterans and military families.
Students can apply online and expect to receive confirmation of their free computer within a month.
High school students may be eligible for scholarship and grant opportunities that offer free laptops. These programs are often competitive and selective. Some are fairly accessible but require fundraising to cover the costs of technology.
Each year, the Dell Scholars Program provides high school graduates with a $20,000 educational scholarship, a free laptop, and textbook credits through Chegg—plus professional and personal resources to help navigate life challenges during the college years.
Applications open in October, so if you’re a rising high school senior, you can start submitting materials this fall. To qualify, candidates should have a minimum 2.4 GPA and be Pell Grant eligible. Applicants should also be on track to graduate in the same academic year they apply, and they should plan to enroll in a bachelor’s program immediately after graduation.
Founded in 2015, Laptops 4 Learning (L4L) equips students with computer access to help them excel in school and the workplace. The mission-driven nonprofit also supports military veterans, who are also eligible for a laptop.
To obtain a free computer, register for an account on L4L’s website. From there, students should solicit their networks and local communities for donations to cover costs. Once sufficient funds are raised, students receive their free laptops.
The following nonprofits and online platforms sell refurbished laptops at a discounted rate for students seeking reliable, affordable products. These are great options if you’re looking to save and invest in a device.
This nonprofit organization sells discounted desktop and laptop computers. It also provides a variety of tech services, including computer repair and recycling. With a mission to close the “digital divide”, PCs for People serves low-income families and individuals with disabilities.
Starting at $145 for a laptop, PCs for People currently offers brands like HP, Dell and Lenovo.
Dell Refurbished sells an array of refurbished Latitude models at a discount. Offering thorough computer inspections plus “cosmetic grades” to ensure top-notch quality, bargain shoppers can snag a like-new laptop starting around $400.
Originally founded by college students in California, Notebooks for Students (NFS) works with tech brands to provide refurbished, discounted laptops to students of all ages.
The organization’s homepage offers an extensive lineup of laptops categorized by school grade level and high-performance laptops. NFS offers both Mac and PC products, and prices start around $200.
Unlike most refurbished laptop sellers, NFS includes a free four-year warranty with the purchase of a laptop. This warranty includes full tech support to troubleshoot hardware repair, software installation and file recovery.
An e-commerce platform, ConnectAll aims to provide affordable, refurbished laptops and desktops to nonprofits and low-income individuals.
The organization’s laptop inventory is sortable by form factor, storage capacity, memory and operating system. With options for Mac and PC, prices range from about $100 to $1,000. This includes free shipping, a one-year extended warranty and pre-installed Microsoft Windows and Office software.
If you’re set on purchasing a brand-new device, many trusted tech brands offer annual educational discounts that cater to college students. Some of these laptop offers include bundled add-ons like gift cards and pre-installed software.
Dell’s student discount specials include savings of up to $200 on new models like the Inspiron 14. Dell offers a no-interest payment plan in their education pricing. The company also includes the option to install Microsoft Office software like Word, Excel and PowerPoint.
Microsoft offers up to a 10% discount on select products for students, teachers, parents and the military. To access this discount, check your eligibility by logging in to your Microsoft account when prompted. From there, start shopping and the best price will appear as you browse.
Free access to Office 365 is also included when purchasing with a student discount. Note that this discount cannot be combined with other offers.
Apple is known for its educational discounts for students and parents, faculty and staff and even homeschool teachers. Shopping with a Verified email address and institutional affiliation can save students up to $100 on Apple products including iMac, MacBook Pro, Macbook Air and iPads.
Education pricing also includes an Apple gift card (up to $150 in value) when purchasing select items.
Through Samsung’s Education Offer Program, students can purchase a brand-new Galaxy Chromebook at a fraction of the retail cost, saving up to $575. Samsung’s back-to-school bargains are not limited to laptop deals. Students and educators can shop for tablets, phones, watches, audio accessories and more.
Hi I am Ambily, 6 months back I joined a web development course from one of the Software training institute.They promised real projects along with placement in a time bound manner. I didn't get both.Then I got a call from siliconindia.com. I was obviously very apprehensive about the course they were offering, and the placement assistance.As per their request I went to their office in old airport road, where they updated me about the course and showed how it works. Since I've already made up my mind to make web development my career, I decided to join their course (it was one fifth of what I've spent already).Well it was in total contrast to my previous experience, the training was excellent, tutors on call, and placement was done on evaluation of my projects and now I am with Progress Software, it's like a dream come true.
I have a positive feedback about the online training that I have finished with Silicon India. The online videos and all material help me to understand every course and, the exercises evaluate the knowledge obtained during the modules. The only observation that I have is about the assignments: Assignments as images. I would prefer assignments on text just to copy and edit in local files. Sometimes is not clear in an assignment how many files can be uploaded per exercise, I just made a file per task, but it can confuse a little bit. In conclusion, the material is really good, I clarified some issues that i had.
Navitas Semiconductor Corporation (NASDAQ:NVTS) is among the leading developers of gallium nitride (GaN) components used to manage electrical power, with more than 50 million devices in the field.
A public company since October 2021, sales doubled in 2021 and are expected to double again in 2022 to about $50 million.
Five actively targeted markets - mobile chargers, consumer electronics, data centers , residential solar, and electric vehicles - provide a total addressable market for GaN components of ~ $10 billion annually by 2027.
NVTS is arguable in the right place, at the right time, with the right technology to capitalize on this opportunity, and provide well above market returns.
The electronics used for the conversion and control of electrical power - power electronics - are undergoing a transition from silicon based components to those built with GaN and other materials.
Applications for power electronics include the ubiquitous wall chargers and in-the-box power bricks that convert household AC power to the DC power needed to charge phones or laptops, the internal power supplies in consumer electronics, power supplies in data centers, power conversion devices for residential solar systems, and the power management equipment to charge and propel electric vehicles.
The shift from legacy silicon to integrated GaN offers significant real-world advantages - reduced charging times, smaller size, less weight, increased reliability, higher efficiency, wider operating temperature range, smaller and in some cases fewer components.
This transition is on the cusp of widespread commercial deployment. More than 50 million GaN power devices are in operation, but that is only a tiny fraction of the potential market.
In this article, we will discuss the Navitas origin story, technology, manufacturing, targeted markets, financial status, competitors, valuation, risks, and some implications for investors. See their slide deck here.
Navitas was founded in 2014, with initial funding by the founders plus venture capital from Capricorn Investment Group, Atlantic Bridge, and seed investor Malibu IQ. Navitas generated first product revenue in 2018.
On 7 May 2021, Navitas and Live Oak Acquisition Corp II announced an agreement for a business combination. Between the announcement and execution of the business combination, Live Oak sold an additional 17.3 million shares at $10 per share to institutional investors.
On 19 October 2021, the business combination was executed, with an injection of $298 million net cash, and the resultant entity, Navitas Semiconductor Corporation, went public. The prior owners of legacy Navitas received 39.5 million shares.
NVTS started trading on 20 October 2021, and per Seeking Alpha, the stock closed at $12.80 that day.
There is substantial insider ownership; as of December 31, 2021, executive officers, directors and their affiliates, including the investment funds they represent, as a group beneficially owned approximately 34% of the outstanding Class A Common Stock. A significant amount of the insider ownership is subject to 6-36 months lockup periods, starting from October 2021.
Five of the seven members of the board come from Capricorn, Atlantic Bridge, Malibu, or Live Oak.
As of December 2021, NVTS had about 160 employees, of whom about 60% work in research and development.
Navitas invented the first commercial GaN power IC (integrated circuit), marketed as GaNFast™. A good summary is provided here.
They focus heavily on the advantages provided by this approach, which integrates the core power transistor with the driver and other related components into a single chip, reducing parts count and improving reliability.
GaN's much higher operating frequency vs. legacy silicon allows the physical size of inductor and capacitor components to be significantly smaller, reducing overall product size and weight.
To expedite design-in, they offer a proprietary AllGaN™ process design kit, a 'how-to' guide for designers to create new GaN based device and circuits, and consider this a major strength. In addition, NVTS has established three dedicated design centers in China for mobile, data center, and EV applications; Shenzhen, Hangzhou, and Shanghai.
Navitas' third generation of GaNFast™ power ICs, with autonomous GaNSense™ technology, was introduced in Q3 2021. GaNSense technology enables real-time, accurate sensing of voltage, current and temperature to further Strengthen total system performance and robustness.
The fourth generation is primarily a "classic die shrink" with some performance enhancements, and is expected to yield a 20% improvement in price/performance. Sampling in Q2, it is expected to be introduced in the second half of 2022. As a pin compatible drop in for the current 3rd generation, it is expected to rapidly reach 50% of shipments by early 2023.
Extending the product line, in May 2022 the NV6169 was introduced, the highest power product to date, targeting "higher-power applications such as 400-1000 W 4K/8K TVs and displays, next-generation gaming systems, 500 W solar micro-inverters, 1.2 kW data-center SMPS (power supply), and up to 4 kW / 5 hp motor drives".
In its first acquisition since going public, NVTS acquires VDD Tech in July 2022, adding technology to support higher power consumer, data center, and EV applications.
NVTS has a significant intellectual property position, with about 145 patents granted or in process.
NVTS is fabless; the genuine manufacturing of devices is outsourced to Taiwan Semiconductor Manufacturing Company (TSM), building on a relationship established in 2014 to develop and refine the GaN manufacturing process.
NVTS devices are currently manufactured at TSMC Fab 2, with a GaN on silicon substrate process, using 250-350 nm equipment, on 6" wafers. Yields are high, 90-95%. As manufacturing volume increases, migration to a higher capacity 8" fab line is likely.
This fabrication capacity is readily available and cheaper than the state of the art sub-10 nm equipment and 12" wafer fabs preferred for the latest CPU chips.
Another GaN cost advantage is that the devices are physically smaller than equivalent silicon devices. In the manufacturing process, that means that more GaN devices can be made per wafer.
NVTS notes in their 2021 Annual Report the impending shift between legacy silicon and GaN cost:
Silicon-based power devices are still the incumbent solutions used for power applications and currently have a lower-cost advantage. However, given the speed, power and size advantages of an integrated GaN IC over a silicon solution, coupled with expected cost reductions, we expect to cross the cost-parity point with silicon and achieve GaN-based power systems that are lower cost than their silicon counterparts by the end of 2023.
NVTS's initial focus has been on the mobile charging market (i.e. charging a mobile device containing a battery, e.g. phone, laptop), where it has established a leading position.
Gene Sheridan, CEO, noted in the May 2021 earnings call that:
Navitas GaN is now in mass production with nine of the top 10 mobile OEM's across smartphones and laptops and we expect all 10 of the 10 by the end of the year.
Key GaN advantages in this market up to a 65% reduction in the time to charge the user's device, using a charger only half the size and weight of legacy silicon based chargers.
With about 2.5 billion chargers delivered per year, and a typical $1 GaN bill-of-materials component, this is in itself a substantial market with significant growth potential. Ultra-fast chargers, with power levels above ~ 100 watts, are a direct expansion of this market, and also typically require two (or even more) GaN chips (see for example this Dell (DELL) in-box 100W charger with two NV6117 chips).
Success in the charger market offers a good opportunity to demonstrate GaN performance and reliability, while scaling manufacturing and building customer relationships.
By December 2021, NVLT had cataloged 170 chargers in mass production, and another 240 in development, using their GaN ICs. Major clients include Dell, Lenovo (LNGVY), LG, Xiaomi (OTCPK:XIACF), OPPO, Samsung (OTCPK:SSNLF), and Amazon (AMZN). A exact example:
The March 2022 introduction of a 20 year warranty, 10X the industry standard, was a concrete demonstration of confidence in product reliability. Reaching the 50 million units shipped milestone in May 2022 demonstrated manufacturing at scale.
Four additional markets have been targeted - consumer electronics, data center, residential solar, and electric vehicles.
In consumer electronics, four applications - TVs, gaming systems, desktop PCs, and internet connected smart home devices - deliver about 600 million units per year, with a potential $3 in GaN content per unit.
Data centers are an estimated $1 billion a year market for GaN, where GaN adoption could reduce power costs by almost $2 billion a year. Electricity costs, including power conversion and cooling, account for over 40% of data center costs.
In the data center market, NVTS is working with Compuware, the leading high efficiency power supply developer, who ships 2 million server power supplies per year. Estimated potential GaN revenue per power supply is $25. NVTS expects sales to begin ramping here in 2023.
GaN adoption in residential solar system inverters is estimate to Strengthen ROI by about 10%. NVTS is working with Enphase (ENPH) in this market. The estimated size of this market is about $1 billion.
Electric vehicles provide a $2.5 billion potential annual market, with three applications; on board battery charger (~$50/vehicle), DC-to-DC conversion inside the vehicle (~$15), and traction drive ($200). First revenue is targeted in 2025.
Gene Sheridan, Navitas' co-founder and CEO, commented:
"With up to 70% energy savings, we estimate up to 3x faster charging, and 5% longer range or a $500 saving on a typical EV battery. With a roadmap to address on-board chargers, DC-DC converters and traction drives, Navitas estimates a potential $250 of GaN revenue per EV in 2026."
NVTS has incurred a net loss each year since inception, with the largest loss in 2021. As of December 2021 had a US federal tax loss carry forward of about $100 million. NVTS does not pay dividends, and has no plans to do so.
Revenue doubled from $11.8 million in 2020, to $23.7 million in 2021, and is expected to double again in 2022. Research and development spending also doubled from 2020, to about $28 million on 2021.
The financial highlights for Q1, from Todd Glickman, CFO, from the May 2022 earnings call (non-GAAP), and Q&A:
and expectations going forward:
There are multiple competitors in the GaN power electronics space particularly, and the larger power electronics space generally.
Semiconductor Today reported in October 2021 that the GaN power device market was estimated to grow by 73% in 2021, reaching $83 million. NVTS was expected to take the lead the in GaN market in 2021 (by devices shipped) with 29% market share, followed by Power Integrations, Inc. (POWI) with 24%, and Innoscience with 20%, Transphorm (TGAN) with 6%, Infineon (OTCQX:IFNNY) with 3%, and GaN Systems with 3% shipped significantly fewer devices.
NVTS identifies their primary GaN competitors to include Infineon Technologies AG, GaN Systems, Inc., Power Integrations, Inc., Texas Instruments Incorporated (TXN), Innoscience, Transphorm, Inc. and Efficient Power Conversion Corporation.
The primary silicon-based power semiconductor competitors include Infineon, STMicroelectronics N.V. (STM), ON Semiconductor Corporation (ON) and Power Integrations, among others.
Infineon's February 2022 Investor Presentation gives an estimate of the respective market share for the top 10 competitors in the overall power semiconductor space: Infineon, ON Semi, and STMicroelectronics are the three largest, with about 20%, 8%, and 6% market share respectively.
As I've spent time over the past couple of weeks researching and thinking about this article, I've become more impressed with NVTS.
They appears to have a well-thought-out growth strategy, sequentially targeting five markets - mobile power, consumer, data center, solar, and EVs. As an engineer, I admire efficient and reliable technology, and they seem to have delivered that.
The mobile power market allowed them to sell visibly improved charging performance and reduced size - features readily visible to end users, while simultaneously ramping up manufacturing to tens of millions of units per quarter, driving down the cost-volume curve, demonstrating outstanding reliability, and establishing a track record of success with dozens of important customers. This appears to have been largely achieved.
I purchased two of 20W GaN wall chargers and use them routinely. To my eye, they deliver as promised - small size, rapid charging, relatively cool.
The consumer electronics market is a natural extension; to some degree just moving the power supply inside the consumer product, and has some overlap of customers.
The data center market will allows them to sell reliable efficiency and operating cost reduction into a sophisticated commercial market which is highly sensitive to the costs of power and cooling.
The EV market is the biggest prize in terms of GaN dollars per unit, but is likely to be hotly contested.
The NVTS marketing focus on environmental impact is worth a few words. I initially thought this was a "and it does this too" marketing spin, but I think it's more than that. This focus on environmental impact through superior technology has been a key driver for Navitas since its origin, and seems to have motivated some of the original venture capitalists.
They estimate a net reduction of 4 kg of CO2 emissions per GaN chip. See the 2021 Sustainability Report for details.
This October 2021 presentation by EarthShift Global presents a detailed analysis of the impact of replacing silicon with GaN for consumer mobile device charging, including materials, manufacturing, and use. At full load, a 65 watt silicon charger is about 89% efficiency vs. 93% efficiency for GaN (see slide 31), about 35% reduction in wasted energy. Multiplied by a few billion devices, it adds up.
Well, it's too soon to tell. But I'll hazard a very back of the envelope guess.
In Q1 NVTS estimated a $9 billion potential market for GaN; $2 billion fast chargers, $1 billion ultra-fast chargers, $2 billion consumer electronics, $1 billion residential solar, $1 billion data center, $2.5 billion EVs (by 2030).
How much of that potential can NVTS capture? Let's guess - and it is only a guess - 15% market share, ~ $1.3 billion revenue. To make the math easy, assume $1.2 billion target revenue.
We assume 150 million share count (see Risks below), so $8 per share revenue.
How long to grow to that point? About 6 years is If NVTS can sustain their current rates of growth, and continue to double revenue each year; i.e. target 2027. If might be 2030 if growth is a little slower.
If one looks at some of the identified competitors, Seeking Alpha provides Price/Sales numbers.
Based on this data, we might assume a more mature NVTS will have a P/S ratio between 2.5 and 7, which would suggest a share price between $20 and $56, circa 2027-2030. To repeat, this is VERY back of the envelope.
What do the professionals think? Price targets have been declining since NVTS went public; Two analysts reduced their target to $9 target in May, Bank of America (BAC) set a $5 price target on 29 June 2022. But I doubt they are looking at 2027.
As a reminder, here's the NVTS price action from going public on 20 October 2021 to 19 July.
Several risk to the investment thesis deserve mention.
There are a number of competitors in the power electronics generally and in GaN power electronics specifically; several of these are much larger than NVTS. While it appear very likely that the GaN power electronics market is going to grow, the NVTS's share is uncertain.
NVTS face geopolitical risk. Their devices are manufactured in Taiwan, and a large fraction of their customer base is in China (74% of sales in 2021), as are all three of their design centers. Things could happen.
NVTS relies on a single vendor for device fabrication.
Some degree of dilution is likely, due to acquisitions or employee stock compensation. There are for example 10 million potential "Earnout" shares due to certain stockholders if the share price exceeds $12.50, $17.00 or $20.00 by 19 October 2026. Further, options on about 16 million shares have been granted via incentive performance plans. It's probably reasonable to assume 150 million shares - a 20% dilution - by 2026.
NVTS is arguably in the right place, at the right time, with the right technology to capitalize on the secular shift from silicon to GaN for power electronics. With $250 million in cash, NVTS has the financial resources to fund rapid growth.
Their very successful commercialization of GaN power ICs in the mobile charger market validates their technology and positions them to increase penetration in that market, and leverage the demonstrated technical and imminent cost advantage of GaN to successfully enter additional markets. There is a long runway ahead.
Personally, I currently have a small position in NVTS, purchased in the $6 range. I have a larger limit order in at a price below the current price. I view this as a 10 year plus investment, with a potential 8-10X return from the current price, over that time.
On an average week, Americans spend $134 more than they planned to, according to research from shopping platform Slick Deals. If you're looking for ways to cut costs in your day-to-day life, opening your wallet and going through your membership cards can be a smart way to start.
Memberships to organizations like AARP or your local library offer a variety of little-known discounts and freebies. Here are four that can easily help you save money:
The cost of joining AAA can be as little as $21 a year based on where you live and what kind of coverage you have. The organization has more than 58 million members, so it's possible you already have a membership card in your wallet.
While you might join for roadside assistance, AAA also offers discounts on travel-related expenses, says Kristin McGrath, a shopping expert at Offers.com. For example, many hotel chains offer a discount of $5 to $10 per night to AAA members.
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You need to show your card to score the deals. "I once forgot to bring my AAA card and was promptly switched to the full-price rate at check-in for all nights of my four-night stay," McGrath says. "So don't forget your card at home."
If you search AAA's discount portal, you'll find deals on lots of other purchases, too. This includes 10% off at certain restaurants. "Some particularly good offers we've seen include 20% off Samsonite luggage and 35% off HP products," she says.
"AARP has one of the most robust selections of discounts out there for its members," McGrath says. And although many people believe you must be older to join, you can actually get an AARP card at any age. That means you can take advantage of these discounts at any age. Roger Ma, a certified financial planner at Life Laid Out, told Grow he joined AARP at age 35 and saves $200 to $300 per year using his membership.
An AARP membership costs as little as $12 your first year and $16 a year after that. With it, you can get deals like 10% to 25% off car rentals from Avis and Budget Rent a Car, and up to 20% off ticket prices at Regal.
Many chain restaurants also offer discounts: AARP members can save 15% at Denny's, and 10% at Outback Steakhouse, Bonefish Grill, and Carrabba's Italian Grill, among others.
AARP has one of the most robust selections of discounts out there for its members.
Shopping expert at Offers.com
Local libraries often have more to loan out than just books. Fishing rods are one of the Chicago Public Library's most frequently checked out items. Libraries in Philadelphia, Sacramento and Phoenix all loan out instruments.
If you need to use Photoshop, a 3-D Printer, or other pricey technologies, you might want to see if your library has them on-site. The Houston Public Library and Los Angeles Public Library both have creative labs where you can use Adobe Creative Cloud products. Some libraries also have sewing machines and craft cutting machines.
Almost half, or 43%, of libraries offer free museum passes, according to 2017 data from library service company EBSCO. As a member of the Brooklyn Public Library, for example, you can get free passes to many institutions, including the American Museum of Natural History, where admission is regularly $23 for adults and $13 for kids ages 2 to 12. If you're a member of the Chicago Public Library, you can go to the Shedd Aquarium for free.
If you're a Costco, Sam's Club, or BJ's member, you can take advantage of other well-priced services and products aside from items you can buy in bulk.
For example, eye exams typically cost less in store than you'd pay at an eye doctor's office. Nationwide, the average price of an eye exam is a little more than $100, according to Angie's List. At warehouse stores, the price hovers around $70. For instance, in Southlake, Texas, an eye exam at Costco is $65. At a Sam's Club in Columbia, Missouri, you'll pay $59.
Generic prescription drugs are also often cheaper at warehouse clubs, McGrath says. "Use your Prescription Drug Savings Card to save when you fill your prescription at Costco's pharmacy," she says. "The program also offers free delivery to your home."
By capitalizing on the membership card you already have, you can easily shave dollars off your weekly spending.
The article Unexpected Discounts You Can Get From Costco and Other Memberships You May Already Have originally appeared on Grow by Acorns + CNBC.
Early administration of reperfusion therapy improves survival among patients with ST-elevation myocardial infarction. For primary percutaneous intervention, a goal of 90 minutes or less for door-to-balloon time is incorporated into many measures of quality performance, but delay remains common, with little improvement in this measure over exact years. This review examines the strategies for reducing door-to-balloon time and for selecting the appropriate reperfusion therapy, especially when a delay is unavoidable.