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Harv's Corner  02/24/2024

2/24/2025

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Harv's Corner 

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Questions?
Call or text me at;
651-3361626

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Coachmen’s Club Summer Rally to Ludington
Wednesday, August 13th to Friday, August 15th, 2025

Proposed Itinerary

Wednesday, August 13th
2pm CT- Depart Manitowoc on SS Badger
7pm ET - Arrive Ludington

Car service from Ludington Harbor provided by Elite Transport.
7:30 pm  to 9:00 pm - Welcome Reception at The Ludington House
Veggies & Dip, Meat & Cheese, Wraps, Soda

Thursday, August 14th
9am - Multi Course gourmet breakfast at The Ludington House

10am - Car Tour of Ludington State Park and Hamlin Lake
It’s a 15 minute drive to the park, much of it through the dunes. Stop at the dam and take some pictures before heading back to Ludington.

11am - Drop off at Stearns Park Beach and the North Breakwater Lighthouse
The walk to the lighthouse is approximately 1 mile round trip on a flat concrete breakwater. You can enter the lighthouse and climb to the top if desired, for a small fee.

Those not walking will find plenty of places to enjoy the waterfront view.

It’s a lovely 1 mile walk from the Beach to Jamesport Brewery that passes the Municipal Marina and the Waterfront Sculpture Park, all on sidewalks 
and side streets

2pm - Late lunch at Jamesport Brewery in downtown Ludington

Guests can then enjoy the afternoon exploring downtown Ludington’s shops and museums
before returning at their convenience to The Ludington House either on foot or by taxi. It’s roughly one mile to the Inn all on sidewalks.

6pm - Pizza Party at The Ludington House
After dinner, consider heading to the beach for sunset. Stop at Legacy Plaza to enjoy live music (between 6-8pm) then House of Flavors for ice cream. Either walk back or grab a taxi home after a wonderful sunset, then sit by the fire.

8:50pm - Sunset - 10pm - Fire Pits Off

Friday, August 15th
730am - Multi Course gourmet breakfast at The Ludington House

8:15am ET - Car service to Ludington Harbor
9:am ET - Depart Ludington on SS Badger
12pm - CT - Arrive Manitowoc

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Harv's Corner  02/17/2025

2/17/2025

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Ludington Trip Details 
Wed, Aug 13, Fri Aug 15 

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Hi Everyone, Exciting news! The Ludington trip is all set, and we've made it easy for everyone.

No need to ship your car unless you'd prefer to! We'll be providing transportation from the Ludington ferry dock to our B&B and back again for our Friday departure.

Here's a breakdown of the costs:

S.S. Badger Round Trip Fare $165 per person.
Please plan for this expense.  
(We will handle tickets is a separate release)

Accommodation $250 per room, per night (single or double occupancy).

To reserve your room, please send a check for $250.00 to reach Sharon by the February 24th so we can get the reservation money to The Ludington House on time..

If you'd like to extend your stay in Ludington beyond Friday, please let me know as soon as possible so we can make the necessary arrangements.
I'm looking forward to a fantastic trip!

​
Write your check for $250.00 to: 
"The Coachmen Club"
Send it to:
​Sharon (Heise) Magnusson 2208 Lofty Ln. Saukville, WI 53080
Thank You!

Proposal for Coachmen Club Summer stay at the  Ludington House B&B
August 2025 
(From Chris & Jen - Owners)

Thank you for your interest in staying with us for your trip this August–we are delighted you are considering a visit to our wonderful city of Ludington. Below, you will find details pertaining to rooms, activities, pricing, meals, and more. If it is helpful to arrange a video call to answer questions, we are happy to offer that, as well.
 
As for an overview,
​Jenna and I have been running hotels for 25 years, and since 2020 we own and operate Cartier Mansion B&B and in 2023 added The Ludington House, both of which happen to have originally been Cartier family homes. Both are meticulously maintained and on the National Register of Historic Places and Cartier Mansion was named Newsweek Reader’s Choice Best Historic B&B in America in 2024! In short, we offer a premium product and take great pleasure in hosting discerning travelers. 

All rooms have either a king or queen bed with luxury bedding and amenities, as well as individual climate control and locks. Some rooms have fireplaces, and most have large televisions. All rooms have en-suite bathrooms; due to the historic nature of our spaces, you will find a variety of setups of vanities, showers, soaking or jacuzzi tubs, some of which may be ‘in the room’. Of course, all water-closets are private behind a door! All but two rooms are located on either the second or third floor. For anyone who might have mobility issues, we suggest you let us assist in selecting the best room. 
​

The first floor of the Ludington House has plenty of seating where your group can visit, play games, or simply enjoy some downtime. Here, you’ll also find the dining room where a delicious breakfast is offered each morning. Our properties are located next to each other, two blocks from downtown Ludington’s shops and restaurants and a few minutes from Lake Michigan. 

Specific to your visit: 
● The SS Badger arrives around 7pm and departs at 9am. A visit to Ludington really warrants a 2-night stay. We’re confident you’ll find plenty to do, with museums, galleries, shops, restaurants, and more close by. 

● There are several options for transportation
in and around Ludington, including between our homes and the SS Badger or the State Park, and we are happy to coordinate these arrangements for you. 

● Breakfast is included
in your stay each morning. At the end of this proposal you will find a link to our Guest Guide, which includes several restaurant recommendations for your lunch and dinner. You will have exclusive use of The Ludington House during your stay and are welcome to bring in meals if you prefer. We also have chefs in town who offer cooking classes or demonstrations, which may be a fun activity for your group. 

● Stearns Beach
is less than a mile from us, with perfect sand and easy access into the water for those who might want to get into the Lake. Ludington State Park is one of the most popular destinations in Michigan, with stunning dunes, a lazy river, and lovely beach.
 
Our properties are located next to each other, two blocks from downtown Ludington’s shops and restaurants and a few minutes from Lake Michigan. 
We take a 50% deposit at reservation
​and the balance at 30 days, at which time the booking becomes non-refundable. We highly recommend purchasing travel insurance for group travel, especially when relying on the SS Badger. A cancellation by the SS Badger does not impact our policy. ○ We suggest a third-party travel insurance policy as this will be more economical than going through our booking company. 

We sincerely hope this propo​sal offers you the degree of detail you need to help plan your trip and would love to have your group with us at Cartier Mansion and The Ludington House.

We have placed a courtesy hold on 12 rooms for August 13-15th which will be released on February 28th.

​
Please let us know by then if you’d like to plan your stay with us this Summer. We’d certainly like to have you here! 

Warm regards, 
Chris and Jenna Simpler, owners and innkeepers 

https://www.ludingtonhouse.com/


 

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Harv's Corner  02/10/2025

2/10/2025

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Harv's Corner

Pulse Field Ablation: A Novel Approach to Cardiac Arrhythmia Treatment

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Abstract:
Cardiac arrhythmias, characterized by irregular heart rhythms, affect millions worldwide. Traditional ablation techniques, while effective, can pose risks due to their reliance on thermal energy. Pulse field ablation (PFA) has emerged as a promising alternative, utilizing brief, high-voltage electrical pulses to selectively ablate cardiac tissue. This paper explores the mechanisms of PFA, its advantages over conventional methods, clinical trial results, and future directions for this innovative technology.  
​

1. Introduction:
Cardiac arrhythmias arise from disruptions in the heart's electrical conduction system. Atrial fibrillation (AF), the most common arrhythmia, significantly increases the risk of stroke and heart failure. Catheter ablation, a minimally invasive procedure, has become a cornerstone of arrhythmia treatment. Traditional methods employ radiofrequency energy or cryoablation to create lesions in the heart tissue responsible for the irregular rhythm. However, these thermal-based approaches carry the risk of collateral damage to surrounding structures, such as the esophagus and phrenic nerve.  

​2. Mechanism of Action:
Pulse field ablation utilizes precisely delivered, high-voltage electrical pulses of short duration. These pulses induce electroporation, a phenomenon where transient pores form in the cell membrane. While reversible electroporation can occur with lower field strengths, PFA employs higher field strengths, leading to irreversible electroporation specifically in the targeted cardiac tissue.  
The exact mechanisms by which irreversible electroporation leads to cell death are complex and still being investigated. Current understanding points to several key processes:

Membrane disruption:
The formation of numerous pores disrupts the cell's ionic balance, leading to cell swelling and ultimately, lysis.  

Organelle damage:
Electroporation can also affect intracellular organelles, such as mitochondria and endoplasmic reticulum, impairing cellular function and triggering apoptosis (programmed cell death).  

Calcium dysregulation:
​The influx of calcium ions through the pores can trigger a cascade of events leading to cellular dysfunction and death.   Importantly, PFA demonstrates a high degree of tissue selectivity. Cardiac myocytes, the target cells in ablation procedures, are more susceptible to electroporation than other cell types, such as endothelial cells lining blood vessels or nerve cells. This selectivity minimizes the risk of damage to off-target tissues.
 
3. Advantages of PFA over Traditional Ablation:
PFA offers several potential advantages compared to traditional thermal ablation methods:

Reduced risk of thermal injury:
By avoiding the use of heat or extreme cold, PFA minimizes the risk of collateral damage to surrounding structures.
This is particularly important for structures in close proximity to the targeted ablation site, such as the esophagus during pulmonary vein isolation for AF.  

Faster procedure times:
Early clinical data suggests that PFA procedures may be faster than traditional ablation, potentially reducing patient discomfort and healthcare costs.
 

Improved safety profile:
Clinical trials have demonstrated a favorable safety profile for PFA, with lower rates of complications compared to thermal ablation.


 
Potential for treating complex arrhythmias:
The tissue-selective nature of PFA may make it particularly well-suited for treating complex arrhythmias where minimizing collateral damage is crucial.
 

4. Clinical Evidence:
Multiple clinical trials have evaluated the safety and efficacy of PFA for the treatment of atrial fibrillation. These studies have consistently demonstrated that PFA is effective in achieving pulmonary vein isolation, the cornerstone of AF ablation. Furthermore, PFA has been shown to be associated with a lower incidence of complications compared to traditional ablation techniques. Several PFA systems have received regulatory approvals, marking a significant advancement in the field of electrophysiology.
 

5. Future Directions:
While PFA holds great promise, further research is needed to fully understand its long-term efficacy and safety. Ongoing studies are investigating:

Optimal PFA protocols:
Refining the parameters of PFA delivery, such as pulse duration, voltage, and number of pulses, to maximize efficacy and minimize side effects.
 

Application of PFA to other arrhythmias:
Exploring the use of PFA for treating other cardiac arrhythmias, such as ventricular tachycardia.
 

Integration of PFA with advanced mapping and imaging technologies:
Improving the precision and efficiency of PFA procedures.
 

Long-term follow-up data:
Evaluating the durability of PFA lesions and the long-term clinical outcomes of patients treated with PFA.

6. Conclusion:
Pulse field ablation represents a significant advancement in the treatment of cardiac arrhythmias. Its unique mechanism of action, which avoids thermal energy, offers the potential for improved safety and efficacy compared to traditional ablation methods. While further research is ongoing, PFA is poised to become a valuable tool in the electrophysiologist's armamentarium for treating a wide range of cardiac rhythm disorders.
 

Sources and related content
Global epidemiology of atrial fibrillation: An increasing epidemic and public health challenge - PubMed

pubmed.ncbi.nlm.nih.gov
Pulsed Field Ablation for the Treatment of Atrial Fibrillation: PULSED AF Pivotal Trial | Circulation - AHA Journals

www.ahajournals.org
Novel pulsed field ablation offers patients safer and faster atrial fibrillation ablation

www.mayoclinic.org
Arrhythmias - Causes and Triggers | NHLBI, NIH

www.nhlbi.nih.gov
Arrhythmias - Types | NHLBI, NIH

www.nhlbi.nih.gov

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Harv's Corner  02/03/2025

2/3/2025

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Harv's Corner

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This week, we are privileged to have Terry Savage join us to provide expert insights into the complex issue of tariffs.
Ms. Savage will address critical questions surrounding tariffs, including their potential impact on the nation's economic well-being. Are they a beneficial tool for bolstering our economy, or could they inadvertently trigger conditions that lead to economic downturn?
Join us as Ms. Savage shares her expertise and helps us understand the multifaceted implications of tariffs in today's global economy.
​

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​February 2, 2025 Tariffs 101
Note:  When I wrote this column on Friday, two days ago, it was meant as an explainer of the impacts of tariffs.  Now it has become a reality check -- tariffs imposed, and retaliation started.  The consequences will be far reaching. 

Let’s talk about how tariffs work to impact the economy – without any political considerations --  just considering the potential economic consequences of tariffs, and how they impact the trade relationships between countries.

The current headlines revolve around potential tariffs that the United States would charge on goods imported from Canada and Mexico, two countries on our border with whom we already have extensive two-way trade.

What is a Tariff?
Basically, a tariff is a tax at the border on imported goods.  Tariffs are already collected by U.S. customs on a variety of imported products.  Customs brokers collect the tariffs from the U.S. companies that purchase the goods.  That raises the costs of the goods to the ultimate consumer – unless the company absorbs the cost of tariffs, which cuts into their profits and growth and job creation.

So, if a U.S. company imports Canadian lumber or plywood to sell to homebuilders, a 25% tariff would significantly increase the cost of homebuilding in the United States – raising the ultimate price of the home, or remodeling job.  These higher prices lead to inflation.   If Americans can’t or won’t pay the higher home prices, it leads to a slowdown in homebuilding and remodeling projects, impacting jobs.

Perhaps the homebuilders will turn to U.S. domestic lumber companies for their supplies.  But those prices would move higher, as well, since free market prices will rise to nearly match the cost of imported wood.  That’s what happened when tariffs were put on imported washers and dryers.  Domestic manufacturers increased prices too.
 
Tariffs are Two-Way Streets
But higher prices on imports are only one side of the tariff story.  What happens if the country on which the tariffs are placed decides to “get even” – by putting tariffs on the goods they import from the United States?
 
In 2023, the United States imported approximately $426 billion from Canada.  In the same year, Canada was our largest export market worth $352 billion.   They bought $53 billion worth of vehicles from the United States, and $38 billion of machinery and nuclear reactor equipment, and $24 billion worth of agricultural products. 

If Canada retaliates with its own tariffs, raising prices on its imports,  it will hurt manufacturers in the United States who export to Canada.

Let’s take a simple case.  In 2023, Canada imported $262 million worth of distilled spirits such as Kentucky bourbon and Tennessee whiskey from the United States.  Suppose, because of retaliatory tariffs, the price of Kentucky bourbon goes up in Canada – and they stop drinking as much.  Distillery workers in the U.S. may lose their jobs.  The effect ripples through both economies, distorting prices and slowing production and impacting jobs.

Now, consider the situation with Mexico and the impact of a 25% tariff.  Notable U.S. imports from Mexico include finished vehicles, auto parts, electronics, appliances, agricultural products – and beer!  Last year, the United States imported $6.4 billion worth of beer from Mexico, about 84% of all imported beer.  Modelo will become 25% more expensive because of tariffs, unless distributors absorb some of the costs!

We also import 86% of the tomatoes that are not grown in the United States (typically Florida and California, and only seasonally), avocados (think guacamole that you eat with your beer), and plenty of other fresh vegetables.  So, tariffs on Mexican imports will raise the price of fresh vegetables in winter for American consumers.

And if Mexico retaliates by putting tariffs on U.S. exports to Mexico? In 2023, the U.S. exported $51 billion of refined petroleum products and natural gas, $45 billion of machinery, nuclear reactors and $51 billion of electronics, as well as $28 billion of cars and parts.   As those goods rise in price in Mexico because of a tariff war, there will be less demand.  And U.S. manufacturers/exporters will suffer.

Bottom line: 
It’s not just the initial tariffs that distort markets and raise prices for those who must ultimately pay the higher costs.  The tariffs can trigger responses that impact not only the prices of imports but the demand for our exports, which also impacts the American economy and jobs.

The Lessons of History
The world has once before faced a dramatic round of retaliatory tariffs, initially intended to protect domestic economies.  The results were disastrous.  If you remember the history of the Great Depression in the 1930s, it is widely attributed to the Smoot-Hawley Tariff Act, which turned a financial and banking crisis at home into a global trade war and worldwide depression. 

This time around, the consequences of tariffs could be strategic as well as economic.  The United States gets 60% of its crude oil imports from Canada – despite the fact that the U.S. is now the world’s largest oil producer – because  the majority of U.S refineries need Canada’s heavier form of crude oil to turn into gasoline.     If Canada retaliates with tariffs on oil sent to the U.S. (or auto parts, or lumber, or countless other products), it could significantly impact our domestic gasoline prices at the pump, housing prices, and auto prices – all hitting consumers and causing inflation.

Economists on both sides of the political spectrum are arguing against the temptation to believe that tariffs punish our trading partners.  In the end, they only wind up hurting Americans.  And that’s The Savage Truth. 


www.TerrySavage.com

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