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Pasquale De Blasio
Founding President
Pasquale De Blasio, is presently the CEO of BioRep (www.biorep.it), a global service provider biorepository based in Milan, Italy; President of ESBB and Adjunct Associate Professor at Temple University, Philadelphia-PA (USA) and founder of Integrated Systems Engineering S.r.l. (www.isenet.it) operating in development of automation instruments for molecular and cellular biology (e.g Tissue Microarrayers, Biorepositories automation, etc.). Pasquale has more than 35 years of industrial working experience in management positions. He worked for more than 14 years in Industrial and Power Plant design, and over 15 years in analytical instrumentation developments.. He has also matured specific skills in multinational analytical instrumentation companies, as R&D Manager for the developments of HPLC Systems, UV/VIS Spectrophotometers, Ultra Centrifuges and Medical Anaesthesia Systems; and as Industrial Operations Management in the development and manufacturing of Blood Gas and Coagulation Analytical Instruments.. He has also experience with ISO 9001 Quality System, EEC Medical Directive and CE certification. He has a Bachelor of Science in Electrical Engineering from Villanova University, Villanova, Pennsylvania, USA (1976), and a Master Degree in Business Administration from Bocconi University, Milan, Italy (1986). He is co-author of several peer-reviewed scientific papers and co-participants of several industrial patents. Contact details: p.deblasio(at)isenet.it; pasquale.deblasio(at)isenet.it
Peter Riegman
President 2011-12
Peter Riegman is at present the head of the Erasmus Medical Center Tissue Bank. The tissue bank offers fresh frozen tissue and pathology archival FFPE materials for medical research. The frozen samples are covered with a QA and QC program collected under the rules defined by the Dutch code of conduct. From this position he is involved in four European projects, EurocanPlatform, SPIDIA, EuroBoNeT and BBMRI. He has coordinated the TuBaFrost project, which is still active within the OECI, where he is co-opted board member and chair of the OECI working group biobanking. From 2008 he became ISBER president-elect, 2009-2010 he has been ISBER president, which is followed by the role of past president until 2011. He was elected vice president at the end of 2010 as vice president in ESBB ISBER chapter. In 2011 he became a member of the Editorial board of Biopreservation and Biobanking and of the International Steering Committee of P3G.
Rita Lawlor
President 2012-13
Rita Lawlor is a founder and project manager for the ARC-NET (www.arc-net.it) cancer research centre in Verona, Italy. She is head of its Research Biobank involved in European Community funded researches for novel molecular diagnostic markers (http://www.moldiagpaca.eu/), therapeutic targets (http://epcnet.eu), and epidemiological studies in cancer (pangen-eu). She project manages the Italian effort within the International Cancer Genome Consortium (www.icgc.org) and the Italian collaboration with Australia and Canada for pancreas cancer. Member of the working group to define the standards for Research Biobanks of the Veneto Regional Government of Italy. She has more than 20 years international experience. In Japan for 6 years, she developed the first trading systems for top trading Japanese companies. She matured skills in risk analysis, over 10 years developing disaster recovery solutions for financial institutions in Japan and Europe. She acquired experience in on-line education while project managing creation of: a data mining knowledge management platform; and a helicopter technical on-line training course for the Italian police. Her experience took her from financial banking to biological sample banking. She has worked for seven years in cancer research and bio-banking and in dataset definition for Italian National pancreas group and the International Cancer Genome Consortium. Degree in Computer Science (1986) and Master Degree (1992), Trinity College Dublin, Ireland. Diploma and Certified in Project Management with Project Management Institute (PMI). Certificate in Principles of biobanking from the University of Luxemburg. Member of PMI, Italian Societies of Pathology (SIAPEC) and Pancreatology (AISP). Committee member of ESBB. Contact details: rita.lawlor(at)arc-net.it
Manuel Morente
Manuel Morente is a specialist in Pathology who has worked for 15 years as both a surgical pathologist at the Hospital General Universitario de Guadalajara (Spain) and Associate Professor at the Universidad de Alcalá de Henares. He was appointed as the Head of the Spanish National Cancer Centre (CNIO) Tumour Bank Unit (www.cnio.es) in 2001 and since 2009 he has been Coordinator of the Spanish National Biobank Network (www.redbiobancos.es) a nationwide network including more than 60 biobanks, called to be the Spanish Scientific component of BBMRI-ERIC. He is member of the Spanish National Institute of Health Ethics Committee, Acting President of CNIO's Committee for Research Integrity & Professional Conduct, and Director of the 1st University Master on Biobanking in Spain (UCV, Valencia). He is an active participant in a number of biobanking organisations and societies including BBMRI, ISBER, ESBB, Marble Arch Working Group, European Human Frozen Tumour Tissue Bank (TuBaFrosT), and the Tumour Bank Program of the Spanish Cancer Centres Network, and he actively promotes biobank networks throughout Europe and Latin America.
Hans-Peter Deigner
President 2014-15
Hans-Peter Deigner currently is Professor of Pharmacology and Vice Dean of the new faculty of Medical and Life Sciences (Furtwangen University, Germany, http://www.hs-furtwangen.de/ ), also holds an affiliation with Fraunhofer, IZI (Leipzig, Germany). During the past years he applied metabolomics to identify and develop biomarkers at Fraunhofer Institute IZI / EXIM, Rostock, Germany and Biocrates AG, Innsbruck, Austria.
Hans-Peter has extensive experience in omics and biomarker research including several senior management positions positions in Biotech companies. He authors about 75 peer reviewed articles and 40 patents / patent applications and is a regular reviewer for numerous scientific journals and funding agencies. While holding senior management positions in biotech industry he has developed novel molecular diagnostics from the idea via the prototype to the final commercial product. From 2004-2006 he took up a chair in Biomedicinal Chemistry, University of East Anglia, Norwich, UK. Hans-Peter Deigner graduated in pharmaceutical chemistry, Heidelberg University, Germany and after a position as research associate at Harvard Medical School returned to Heidelberg to finish his habilitation and to work as group leader and senior lecturer/associate professor. His current research interests comprise the integration of omics data and its combinatorial use in biospecimen & biomarker research, systems biology, molecular diagnostics and individualized therapy.
Tobias Schulte-in-den-Baumen
Treasurer 2011-14
Tobias Schulte in den Bäumen is an Attorney at Law and Partner at the law firm Wolff/Graeser, based in Bielefeld / Germany. He has been advising researchers, clinicians and biobanks for a number of years in privacy, technology transfer and regulatory affairs issues. He is a founding member of the ESBB, a former visiting research fellow at the JRC-IPTS for legal aspects of biobanking and the former chair of the legal working group of the Public Health Genomics European Network (PHGEN). Before joining Wolff/Graeser he has been serving as the Secretary General of the European Law Institute (ELI) in Vienna / Austria and as an Assistant Professor at the Department of Genetics and Cell Biology of the Faculty of Health, Medicine and Life Sciences at Maastricht University/Netherlands.
Christina Schroeder
Councilor, Chair of ESBBtranslate Working Group 2011-15
Christina Schroeder was trained as a chemist and received her PhD in Biochemistry from the University of Mainz. After additional seminars in science communication and journalism, she volunteered for PR work with the German Biochemistry and Molecular Biology Society (GBM2) in the 1990s, and was awarded their Communication Price in 2003. Serving as a managing officer to the former German Industrial Association for the Promotion of Human Genome Research since 2000, she was appointed coordinator of the Central Research Infrastructure for molecular Pathology (CRIP) in 2005. CRIP was established in a private-public partnership between the said Association, 7 pharmaceutical companies and the German Federal Ministry for Education and Research (BMBF), and was transferred to Fraunhofer IBMT in 2007. As a representative of Fraunhofer IBMT, she has been actively involved in BBMRI work packages for Disease-oriented biobanks (WP-3), ICT (WP-5) and Funding and financing (WP-7). Within ESBB, Christina leads the "ESBBtranslate" Pharma-Academia Working Group, together with Dr Elke Smits.
Jackie Mackenzie-Dodds
Councilor, Chair of Enviro-Bio Working Group 2013-16
Jackie Mackenzie-Dodds is Molecular Collections Manager in the Life Sciences Department of the Natural History Museum in London, where she has been working for 22 years, in Research and Curation (Molecular Collections). She has recently established the new Molecular Collections cryofacility/NHM London Biobank for ~2 million biodiversity and environmental specimens and samples from across the globe spanning the Tree of Life, accessible to researchers worldwide. She has many contacts with museums and herbaria worldwide, which represent a large diverse population of biological specimens, including many endangered and/or extinct species, environmental time series, and agricultural and commercial interest collections, all providing invaluable genetic and environmental information for now and the future. Current climate change, global warming and the biodiversity crisis issues make these non-human repositories particularly valuable to mankind.
Jackie has been an ISBER and ESBB member from 2008 and 2010 respectively, and co-chairs the joint ESBB/ISBER Environmental Biospecimen Working Group (EB WG). She was also a member of the ESBB 2013 Verona Meeting programme committee representing non-human biobanking members.
Marta Acilu
Councilor 2011-14
Marc Reymond
Councilor 2011-14
Professor Marc Reymond is a board-certified gastrointestinal surgeon. He was trained at the University of Geneva, Switzerland and at Harvard Medical School, Boston, MA. Since 2005, he is Chairman of the Department of Surgery at the Protestant Hospital Bielefeld (www.evkb.de ), an academic hospital with 1500 beds in Germany. He was group leader at the Foundation for Medical Research at the University of Geneva. He has published over 100 peer-reviewed papers in the fields of surgical oncology, of sample preparation, of cancer proteomics, of tumor cell dissemination and research bioethics. He is a reviewer for 20+ journals and grant agencies. He is also serving in the board of two non-profit biobanks (www.stiftung-path.de; www.etsi-med.de ). Dr Reymond is Professor of Surgery at the University of Magdeburg, at the Westphalia University Münster and Honorary Professor at the State Medical Academy, Kyrgyzstan. He is the author of several books. He is heading an annual training course for surgeons on behalf of the German College of Surgeons. Dr Reymond completed a MBA (AACSB) in Science & Technology with LaSalle University, PA. He is the founder of a biotechnology company and holder of two innovation prizes. He is inventor of several patents.
Ann Cooreman
Councilor 2011-14
Dr. Ann Cooreman is the co-founder of Tissue Solutions Ltd (www.tissue-solutions.com) based in Glasgow, Scotland. The company helps researchers find human biomaterials for pre-clinical research: fresh, frozen and FFPE tissues, blood products and cell lines, normal and diseased material, all ethically obtained. She is also the company COO. Ann Cooreman started her career as an academic in a very different field but fate led her to become the tissue acquistionist for Scottish Biomedical where she fine-tuned her knowledge of ethics in the UK and Europe with regards to the use of human samples for research. Her experience as Project Manager at Scottish Biomedical and previously at IBM has helped her in growing Tissue Solutions into a niche company, which is establishing a global name for itself after 3 and a half years in the business. Ann Cooreman received a Master's Degree from the University of Antwerp in Germanic Philology in 1980, Summa Cum Laude, and a PhD in Linguistics from the University of Oregon in 1985. She has authored several peer reviewed articles in journals and books as a linguist but is happier as a business woman than she was as an academic.
Akin Abayomi
Councilor 2013-15
Akin Abayomi is a physician and pathologist currently employed as an Associate Professor in the University of Stellenbosch Medical Faculty, based in Cape Town. He is also the Chief Pathologist and Head of the Division of Haematology at Tygerberg Academic Hospital, National Health Laboratory Services. He has been involved in biobanking now for about 6 years and his current interest has been amplified by his involvement in the H3Africa consortium project as Principle Investigator of one of the H3Africa central biobanks to be located in Cape Town. This is a 7 year project to establish a fully operational centralized biobank for African genomic studies on the continent of Africa. More recently Akin is also the Co-PI on the AIDS Malignancy Consortium, Cancer Specimen Resource for sub Sahara Africa. In addition he serves as the Chair of the Haematology expert committee of South Africa, President of the South African Society of Haematologists, Africa International adviser to the Royal College of Pathologists of the United Kingdom, Council member of the International Society of Clinical Cytometry and Vice President of Caribbean Cytometry and Analytical Society. Akin is also interested in the impact of Climate Change on biodiversity and human health and has been involved in the development of South Africa's National Communication on Climate Change.
Peter Doran
Councilor 2011-13
Dr. Peter Doran earned his BSc. from Dublin City University in 1998 and his PhD from University College Dublin in 2001. Dr. Doran is a lecturer at the UCD School of Medicine and Medical Science, and Scientific Director of the UCD Clinical Research Centre (CRC). The UCD CRC with facilities at both the Mater Misericordiae and St. Vincent's University Hospitals drives clinical and translational research which is aimed at improving patient care by acting as a catalyst to bring all members of the biomedical research enterprise together to ensure novel health interventions are developed and diffused into Irish healthcare practice. Dr Doran leads the significant biobanking activity completed at the UCD CRC and has been the driver for the creation of national biobanking guidelines. The main focus of his research is the complications associated with HIV and its treatment. Since the introduction of Highly Active Antiretroviral Therapy (HAART), morbidity and mortality have been significantly reduced. However, a number of serious side effects have been seen in these patients. HIV patients are at increased risk of decreased bone density, and osteoporosis. His laboratory is focused on uncovering the effects of both HIV and antiviral treatment on the biology of bone cells. Specifically we are interested in changes in the function of osteoblasts and Mesesnchymal stem cells. Through these investigations we are gaining further insight into the interaction of HIV with the body.
Roger Bjugn
Councilor 2012-14
Roger Bjugn is a board certified pathologist with a PhD in neuroscience. In addition, he has a master's degree in management. He has previously held a number of elected positions in the Norwegian Medical Associatian, inluding Chairman of the Norwegian Society of Pathology. His knowledge of biobanking is based on hands-on experience with both ethical, organizational and technical biobank issues. Since 2004, he has been working particularly with administrative systems and technical infrastructure related to diagnostic biobanks, treatment biobanks and research biobanks at Oslo University Hospital in Olso, Norway. He has also been involved in several regional, national and international biobank projects. Roger has been an ISBER-member since 2004 and is currently a member of the working group on hospital integrated biorepositories. He has also been a member of the Marble Arch Working Group since its initiation in 2005.
Philippe Van Der Hofstadt
Councilor 2011-13
Philippe Van der Hofstadt is CEO of B & C Group, a European niche packaging & logistics company dedicated to clinical research and active on a global scale (www.bnc-group.com). After the degree of Pharmacist at Université Catholique de Louvain (UCL), Philippe worked at SGS Laboratoires Simon and Biopharma to become Industrial Pharmacist and did a third cycle in Pharmaceutical Engineering. He has worked as Junior Consultant in Regulatory Affairs and Clinical Research with Cogepharm & Pharmarisk in France and Belgium, Sales Manager with SmithKline Beecham Clinical Laboratories' Central Laboratory (now QUEST) in Europe, and was General Manager of CRL-Medinet (Central Laboratory) in the Netherlands. In 1999, he started the expansion of B & C Group as a niche service provider in clinical research offering innovative & flexible Drug & kit packaging & warehousing, transport, biobanking and drug archiving solutions to Pharma & Biotech companies, CROs, Central Labs and Academic or Research Institutions. Philippe is active in several Professional Associations and is currently:
President of BeCRO, the Belgian Association of CROs (www.becro.be) , member of EUCROF, the European CRO Federation (www.eucrof.eu),
President of the VAPI-UPIP (Belgian Association of Industrial Pharmacists),
Member of the BioWin Biobanking Working Group composed of representatives from commercial Biorepositories, the Belgian Cancer Registry, Universities, Research Laboratories, (Bio)Pharmaceutical and Diagnostic companies.
Robert Hewitt
Executive Officer 2010-17
Robert Hewitt studied medicine at St Bartholomew's Hospital Medical School, London and later obtained a PhD at the Medical Research Council Virology Unit, Univ. of Glasgow. He worked 5 years in pathology as Clinical lecturer in Pathology at the University of Nottingham, before moving to Bethesda, Maryland, USA, to take up an NIH research fellowship from 1994-98 at the Lab of Pathology of the US National Cancer Institute. Robert has been involved in biobanking for the past sixteen years, and has been involved in setting up biobanks at Hammersmith Hospital in London, UK; then King Faisal Specailist Hospital in Riyadh, Saudi Arabia; and then National University Hospital in Singapore (the NUH-NUS Tissue Repository) where he also established a hospital-based cancer registry. He was ISBER president from 2008-2009 and chaired numerous committees from 2006 to 2013. He co-founded ESBB in 2010 and was Executive Officer from the start until October 2017. He was also European Editor of the journal, Biopreservation and Biobanking from 2009-2016. He was winner of the ISBER Distinguished Leadership & Service Award (2011) and the ISBER Outstanding Achievement in Biobanking (2012).
History of ESBB
ESBB is a society for people involved in the collection and storage of biological materials from all species. The society is focussed on Europe, the Middle East and Africa. ESBB was founded at a meeting in Milan in August 2010 and founding members include: Marta Acilu, Christian Chabbannon, Paolo Concio, Ann Cooreman, Vicenzo Costigliola, Pasquale De Blasio, Hans-Peter Deigner, Michael Depont, Kate Enright, Olga Golubnitschaja, Fiorella Guadagni, Massimo Gulisano, Robert Hewitt, Laurent Jacotot, Rita Lawlor, Lorenzo Memeo, Angelo Paradiso, Egon Pfeifer, Michele Piovella, Mark Reymond, Peter Riegman, Antonella Rinaldi, Elena Salvaterra, Tobias Schulte-in-den-Baumen, Erik Steinfelder, Henny van Amerongen, Philippe van der Hofstadt, Rod Westrop, Graham Wilson, and Holger Zetzsche.


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subset: commoncrawl


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Europe – The banana survey – Week 50
European markets maintaining a positive trend.
On the one hand, the overall supply has remained moderate. Despite a temporary increase in incoming Ivorian shipments, the combined Africa/French West Indies supply has remained slightly below average (-3%) because the ongoing and highly marked FWI shortfall.
In addition, incoming dollar banana shipments have continued to subside: the Colombian supply has maintained its downward trend, remaining in shortfall (7% below average); Costa Rica has continued its seasonal fall, while Ecuadorian volumes have remained moderate.
On the other hand, despite a dip in yellow banana activity here and there, green banana demand has remained dynamic in both Eastern and Western Europe. Hence green banana prices have remained strong, and the markets well balanced, or even exhibiting a degree of tension.
In Spain, the pressure has started to subside because of a more limited supply (quota) and activity picking up, though prices have still remained stable and below average.
Finally in Russia, despite the big supply, accelerating sales have paved the way for an upturn in prices.
Fuente: FRUITROP


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Could we have named this bed after any city other than L.A.?
We kept the design very tight to create a minimalist yet stylish look. The headboard with built in floating nightstands and shelves, the bed with recessed drawers below a low edge platform mattress frame, all contribute to creating a very calm chill 'vibe'. This line looks great, but even more importantly it is incredibly practical: the mounted nightstands and underbed drawers means that every square inch of floor space is maximized. Also the low lip on the platform base holding the mattress, means that it is much easier to make the bed!
Price starts from $3,995 – Call for quote


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Shen Xiangfu's homecoming to Worker's Stadium on Saturday night couldn't have been much worse, his team was crushed by a Beijing Guoan side that came alive, they lost ground on an Asian Champions League spot, and they
should may be losing a player for the rest of the season due to an inappropriate gesture toward the Guoan fans.
However if you're a Beijinger, you're happy to finally see your side take apart a top team and that they look in top form as they go away to Shandong in the CFA Cup semifinal on Wednesday and then head to Tianjin over the weekend. It no doubt helped having a happy Jamie Pacheco on the Guoan sidelines after he signed the most lucrative coaching contract in Chinese football this past week, extending his stay in the capital another few years. Pacheco has been a positive force of change in Beijing this year and he's gotten the most out of the players he has, I think I can speak for all Guoan fans in saying we're happy this piece of business was finally taken care of.
Perhaps it was his being left of the national team that spurred on Wang Xiaolong, but even in the opening minutes of the match, he was uniquely prepared for this one. When a beautifully taken Xu Liang free kick was quashed by Walter Martinez being pushed in the back and the Men in Green were awarded a penalty, Wang stepped up and buried it. Changchun, on the other hand, seemed very angry on the night, after the penalty kick was awarded, a number of players got in the referee's face and after it was converted, a scrum occurred around the referee and Wang Dong (who committed the original foul) bumped him, luckily not receiving a second yellow. Another melee occurred moments later when Xu Yunlong went down after taking an inadvertant hand to the face, it was on, at least in the eyes of the Changchun players.
Changchun turned the anger into motivation and picked up an equalizer off a corner kick, Martinez slid to save the ball from crossing the line, but it was a rebound goal for Changchun's Brazilian, Dori. During the celebrations, the anger came out in a negative way as defender Wang Wanpeng chose to provoke the hardcore Beijing supporters in the north stand by showing them the finger.
But Wang wasn't going to take it and he must have been hoping Camacho was watching because he showed what a skilled player he is when he decided to go it alone, making a great run and topping it off with a beautiful shot. This washed out the Changchun equalizer, putting Guoan up one heading into the locker room for the half. In the second half it was more of the same, a mishit header fell to Joel Griffiths who knocked it in to put Guoan up 3-1 in the 60th minute while the Changchun players were still hell bent on ganging up on the referee.
If they wanted to blame him for two of Guoan's three goals, there was nobody but themselves to blame for the final goal, after Changchun defender Jiang Pengxiang added to Beijing's tally by knocking a Wang Xiaolong pass past his own keeper. By then the match was already in the 80th minute and well out of the reach of Shen Xiangfu's charges.
For Beijing, the win was absolutely critical, with only three games remaining, the 8 point gap they opened up mean it will be almost impossible for them to be overtaken and will guarantee an Asian spot. For some players, like Martinez, who are almost definitely headed out in the close season, this was one of the final chances to play at Gongti and was therefore special.
With the work in the league done, now Guoan needs to be focused on the Cup, the next step will be getting past Shandong and giving Guoan fans the joy of a cup final.
1 Comment
Interesting that two foreign, struggling coaches (Troussier and Camacho) have been quoted listing the litany of woes that is Chinese football. However nothing from the two (foreign) successful coaches (Lee and Pacheco)?
While there is probably a lot of truth in the shortcomings highlighted by T&C, perhaps the good coaches just learn to adapt to the situation and focus on how to bring the best out of their players.
Good to see that Pacheco will continue with Guoan. Will the owners also give him a budget to go and buy some key players?
On another front, the A-League has finished round 2 of the new season and Brisbane Roar-celona have already shown that they will continue playing extremely nice and wining football. Last season they were as impressive as Guangzhou this season. Will be a great match up if they meet in the ACL.
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Kirsten Macdonald
Kirsten trained in Auckland, where she learnt all aspects of piano tuning and repair. Additionally, she completed the Acoustics for Musicians paper at Auckland University. Kirsten is an active member of the NZ Piano Tuners and Technicians Guild (PTTG NZ) and is an Australasian Registered Piano Technician (ARPT).
Kirsten is a competent violin player and also enjoys many outdoor activities such as tramping, waterskiing, sailing, playing football and cultivating her vegetable garden.
Currently Kirsten divides her time between keeping the business and Andrew organised and looking after three small children.
Andrew Macdonald
Andrew began his experience as a piano tuner/technician with Michael Ashby in Wellington where he gained considerable knowledge of piano rebuilding. This led him to undertake a formal apprenticeship in Auckland, where he gained comprehensive training in all aspects of piano work. During his training he also completed the Acoustics for Musicians paper at Auckland University. Andrew is also an active member of the NZ Piano Tuners and Technicians Guild (PTTG NZ) and is an Australasian Registered Piano Technician (ARPT). He returned to Wellington to join Wellington Piano Service at the end of 2009.
Andrew has completed two degrees at Victoria University majoring in maths, German, English and history. He enjoys the outdoors, especially playing football and reads widely. Andrew has spent time learning clarinet and guitar and as well as being a fluent German speaker he is currently continuing his study of Italian.
Our comprehensive workshop has been purpose built for piano repairs. It is fully insulated and has a heat pump to maintain a comfortable climate for pianos. It is equipped with a heavy-duty chain hoist, for heavy lifting jobs such as piano frame removals, and all of the necessary machinery and tools to undertake any type of piano repair. A bass string winding machine enables us to custom manufacture bass strings. We are more than happy for you to visit the workshop and view jobs in progress. Please call in advance to ensure someone is onsite.


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Imagine a chocolate chip cookie sitting under a rich layer of chocolate with a light, crunchy meringue topping it all off and you have Meringue Chocolate Chip Cookie Bars. It's a multi-textured (and taste) extravaganza. It's also a multi step prep process as you need to make a batch of cookie dough and make the meringue. So, if you're not ready to work hard, then don't attempt this recipe. But if you're feeling a little ambitious, this may be just the weekend project you're looking for.
Meringue Chocolate Chip Cookie Bars
(from the kitchn)
Makes 25 Bars
2 cups all-purpose flour
1 teaspoon salt
1/4 teaspoon baking soda
1 teaspoon baking powder
1/2 cup unsalted butter, softened
1/2 cup granulated sugar
1 1/2 cups brown sugar, separated
2 large eggs, separated
1 tablespoon water
1 teaspoon vanilla
12 ounces semi-sweet chocolate chips or chunks
1 large egg white, optional if you'd like a thicker meringue layer
- Preheat the oven to 350°F.
- Cut 2 pieces of aluminum foil, and fold them to match the width of the pan. Press one piece into the pan lengthwise and the other into the pan crosswise with the ends hanging over the sides of the pan, like this. This makes it easy to lift the bars out of the pan once they're cooled. Spray the foil with nonstick coating.
- Whisk together the flour, salt, baking soda, and baking powder in a small bowl and set aside.
- Using a stand mixer, a hand mixer, or by hand, cream together the butter, granulated sugar, and 1/2 cup of the brown sugar until it looks like smooth frosting.
- Separate the eggs, reserving the whites.
- Mix the egg yolks into the butter-sugar mixture one at a time until they are completely absorbed.
- Stir in the water and vanilla.
- With the mixer at a low speed, add the flour mixture and beat gently until all the flour has been absorbed and the dough looks crumbly.
- Press the cookie dough gently into the pan with your hands, making sure the surface is even.
- Sprinkle the chocolate chips on top of the cookie dough and use your palms to press them slightly into the dough. This will help keep them from moving when you add the meringue.
- Using a stand or hand mixer with a clean bowl and a clean whisk attachment, start whisking the egg whites. (Use 3 egg whites if you'd like a thicker meringue layer.)
- Gradually increase your speed to medium-high. When the egg whites are very frothy and look like loose foam, start adding the remaining cup of brown sugar a little at a time. Continue increasing your speed to the highest setting. When all the sugar has been added, continue whipping the meringue until it holds a soft peak. It should look like glossy, soft-serve ice cream.
- Scoop the meringue down the middle of the pan. It will be very sticky! Use a spatula to gently spread the meringue from the middle to the edges. It's helpful to skim meringue from the top and gradually push it outward.
- Lightly press a piece of parchment or wax paper on the top of the meringue (this makes an even layer and protects the meringue from scorching). Bake for 20 minutes, then remove the parchment. Continue baking for an additional 5 to 10 minutes, until the edges look toasted and are pulling away from the sides of the pan.
- Wait until the pan is completely cool before lifting out the bars and cutting them into pieces.


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last updated 04/11/2019
ACS Technologies Group, Inc., and its affiliates, their officers, directors, employees or agents (collectively referred to as "ACST") creates software to help churches, schools, and organizations manage numerous administrative duties. You may be a visitor ("Visitor") to our websites ("Websites"), a customer ("Customer" or "Licensee", typically a church or an organization) who purchased our products and services (collectively, "Services"), or a guest ("Guest", typically a congregant) that a Customer invited to use our Services. For the sake of simplicity, we'll specify when we're referring to Visitors, Customers, and Guests, and we'll refer to "you" generally.
Our Services include a variety of desktop and web-based software solutions as well as corporately owned and managed Websites. Some of our Services allow Visitors, Customers, and Guests to communicate with each other in a secure, online environment via chat, messaging, email, or by sharing posts and events.
ACST is proud of the work we produce in the form of software, images, videos, typefaces, graphics, music, sounds and other material (collectively referred to as "ACST Content"), and we have a great deal of respect for content that belongs to others. As part of these Terms, please take the time to review our Intellectual Property Policy to learn whether you can share content while using our Services.
This Terms of Service and Use (the "Terms") outlines your responsibilities while using our Websites and Services, as well as our responsibilities to you. We respect the privacy of all of our Visitors, Customers, and Guests, to learn how we collect and use that data, please review our Privacy Policy.
ACST is obligated to disclose any content or electronic communication of any kind (a) to satisfy any law, regulation or government request; (b) if such disclosure is necessary or appropriate to operate the Services; or (c) to protect the rights, data, or content on the Websites and Services, belonging to you or to our providers.
When using our Services to store data, you are solely responsible for the content of that data. Your use of our Services is subject to all applicable local, state, national and international laws and regulations. You will:
ACST may use automated procedures to detect unacceptable use and may immediately disable any offending accounts.
ACST has the right, but is not obligated to monitor all conduct and content on our Services and Websites. When you use our Web-based and mobile Services to communicate with others, ACST expects you to behave in a way that positively reflects your organization. We also expect that you encourage a safe, respectful environment. Posting or sharing content that is unlawful, harmful, threatening, abusive, harassing, defamatory, vulgar, obscene, sexually explicit, profane, hateful, racist, or that demonstrates religious discrimination is not allowed.
We reserve the right to forbid communication or content that we deem to be harmful to others or violates any laws. We may also investigate allegations that violate the expectations of your conduct online. ACST, nor any of our providers can ensure prompt removal of questionable content after it has been posted online. Accordingly, ACST does not assume liability for any action or inaction with respect to conduct, communication, or content on our Services.
Likewise, if you're using a chat feature or providing feedback on our Websites, we expect that you communicate with civility and respect. If ACST determines that any Customer or Guest has violated any law, or is using our Services in violation of these Terms, we may suspend or prohibit them from using our Services.
Anything that you post on our Services becomes available for public consumption.
All of our mobile solutions require ACST software, Internet and/or network access, and a compatible mobile device. You understand and agree that you're responsible for meeting these requirements. ACST mobile apps are available for download on iTunes® and Google Play®. Most ACST apps are free to download if used as an authorized user of ACST software purchased from us. They will work with the software programs indicated, according to the system requirements noted. All mobile apps use data, and therefore, using ACST mobile apps will affect your data usage and costs with your mobile provider. ACST is not responsible for any fees related to usage of your mobile device.
We are obligated to inform you about changes to Services or other events that may affect how you use our Services. In those times, we will notify you via online and/or mobile alerts. If an alert is mandatory, we do not allow you to "turn it off", but you may opt out of receiving any voluntary alerts we send.
We want you to enjoy using our Websites and Services; however, our Websites and our web-based Services rely on the Internet for use. Internet availability and outages, may cause interruptions to your service. We do not provide warranties of any kind, either express or implied, including but not limited to warranties of merchantability and fitness for a particular purpose. We offer our Websites and Services on an "as is" and "as available" basis, to the maximum extent permitted by law.
ACST won't be held liable for any delays or failure in performance of any part of our Websites or Services, from any cause beyond our control. This includes, but is not limited to, acts of God, changes to law or regulations, embargoes, war, terrorist acts, riots, fires, earthquakes, nuclear accidents, floods, strikes, power blackouts, volcanic action, unusually severe weather conditions, and acts of hackers or Internet service providers.
Our Websites may contain links to other, unrelated external sites. ACST does not have any control over the Content those sites may choose to display or publish and we are not responsible or liable for any Content on those sites. You link to other sites at your own risk.
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New Products from Camddwr
New Products from Camddwr Canine Ltd- We bring you the best in New and unique products for Active dogs and handlers
New Hurtta Products Autumn 2016
Added: 21st September 2016
Hurtta have some amazing new products available this autumn!
Human Products
Training Vest
The vest is made from Houndtex laminated durable .... View Details
Added: 31st March 2016
New to Camddwr Canine..... the PitPat. A canine activity tracker
Exercise keeps your dog healthy but do you know if they're get.... View Details
Added: 31st March 2016
We have 3 new Hurtta products now in our shop.
Lifeguard Dazzle Harness
A sturdy harness.... View Details
Added: 6th March 2016
New to the UK Market - We will have Limited stock of these at Crufts
With a Special Introductory offer to our Crufts Customers - 10% off retail price
We have been trialling thes.... View Details
Welcoming Kurgo to Camddwr Canine Ltd
Added: 29th February 2016
Here at Camddwr, we are very excited to annonuce that we are now stocking Kurgo products.
About the Brand: With rising kennel fees.... View Details
KLIMB Dog Training Platform - New Product to Camddwr
Added: 27th January 2016
Camddwr Welcomes KLIMB Platforms to the UK
The KLIMB™ was specifically designed to improve the relationship between you and your dog. Having a GREAT relationship with your dog makes.... View Details
Added: 5th November 2015
Camddwr is excited to annonce a new product available for pre- order now.
Introducing dog treadmills from DogTread.
http://www.camddwrcanine.co.uk/webshop/dog-tread/dogtread-tre.... View Details
Added: 6th June 2015
We have some amazing offers on our Cool Coats this summer,
We have the Hurtta Motivation cool Coat at an amazing price of £35.99 ! wow only while stocks last- also the Swamp C.... View Details
Yumpro Bio Active Free Sample Give away!
Added: 23rd May 2015
Lintbells have once again supported the fundraising for Team Wales this year with a FREE sample give away of Yum Pro Bioactive! For each sample reque.... View Details
Handling Workshop with Stuart Harmes
Added: 2nd May 2015
Stuart will be taking a workshop on European turns, blinds and short sequences
date - Wednesday 17th June, 2015 7/9.00pm
Please contact us to book a place - firstname.lastname@example.com.... View Details
Added: 4th April 2015
Keep cool this summer with our Cool Coats!
We have Three cool coats on offer this year, from our top brands of Hurtta and Ruffwear- I have to say here at Camddwr the Swamp cooler is a fir.... View Details
Added: 28th March 2015
We will be running a series of workshops here at Camddwr over the summer months:
Our first workshop will take place on Thursday 7th May and will cover the essential ingredients for fast, .... View Details


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#GoSeahawks. I'm not bitter. I swear I am not. Anyhow, moving on….
People complained that Superbowl 49 brought with it ads that were too sentimental. I disagree and feel like they reflected the tone of the time we are in at present. There were winners of the the night : Pepsi, CocaCola, Lexus, Microsoft, Dodge and Mercedes killed it.
McDonald's took first prize. Throughout the night, the golden arches tweeted out the opportunity to win all of the luscious items that were featured in the ads. Cars, plane tickets, Doritos, lingerie…it was all there as part of their, "Lovin' the Super Bowl," campaign.
I fell for it.
But that wasn't all. Starting today, they will let some customers pay for their food with different forms of what the chain calls "lovin'," which could include selfies and hugs. Customers who order items during preselected times will get to participate in the deal. McDonald's employees will let customers know if they get to "Pay with Lovin'." The promotion will run through Valentine's Day.


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It's time to get the glue gun out and get stuck into a craft session with the kids with the new Spotlight Christmas Craft range of goodies. We'll help you along with 2 x Spotlight Gift Vouchers to be won!
There's nothing like a bit of Christmas craft to start off the silly season. The Made 4 Baby bunch were lucky enough to get stuck into some craft projects before a big storm blew our way.
They had a huge range of Spotlight projects to choose from. Lots of little kits to make tree decorations, Christmas scenes, pom pom penguins and lollipop Santas. The door hanger kits (penguin & Santa) were a particular favourite with the younger kids (with help from their big brother).
Then there was the crafts basics to get creative with. More glitter than you could possibly glue anywhere, stickers, fake snow, card, paints and lovely papers ready to be glued, stuck & folded into cards for the family and special ornaments for the tree, plus any craft project you could possibly imagine.
Prices start at only $2.99 for the craft kits and packs of stickers, $2.95 each for the paper mache ornaments and from $10.99 for a pad of Christmas themed papers. Plus you'll find more glitter, pom poms, pipe cleaners, glue, toddlers paints, brushes and markers than you could ever imagine online or at your local Spotlight store.
But get in quick, stock is selling out fast! (There's a waiting list for those door hangers at my house!).
This competition is now closed. Congratulations to our winners.


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Don't Let It Happen to your Pet
It's a warm summer day and you're on the way to the grocery store to pick up a loaf of bread. In the parking lot you pass an older model Plymouth with a poodle panting inside.
You should:
- Smile and acknowledge the cute pet
- Run into the grocery store and page the dog's owner
- Buy the dog a treat
If you choose "B", then you choose wisely. The panting poodle may be minutes from death – a victim of heatstroke. You need to get the poodle out of the car and reduce its body temperature.
Every year, thousands of pets die from overexposure to heat. It's usually because people leave their pets in cars while they shop or run a quick errand. It doesn't have to be extremely hot outdoors for a pet to suffer heatstroke inside a car.
Leaving a pet inside a closed automobile for just 15 to 20 minutes is risky on an 80 degree day as temperatures can quickly rise to 120 degrees Fahrenheit – enough heat to kill a pet. Even 10 minutes inside a hot car is enough to cause exhaustive heatstroke in cats and small dogs. Hamsters, guinea pigs, and birds have even less of a chance of survival.
An Open Window? No Good
Leaving windows wide open in the car is not the answer. Additional dangers come with that option. Your pet may jump out of the vehicle and become a traffic casualty. Also leaving the windows open "just a crack" isn't enough to prevent heatstroke.
Heatstroke can be prevented quite easily if you follow one Petland Rule: Leave your pet at home when running errands in the summer months.
If it is not possible to leave your pet at home, then take these precautions to combat heatstroke during short trips:
- Run errands during cooler times of the day, dawn or dusk
- Leave car windows down, and protect with pet-secure window screens that allow maximum air flow
- Carry a gallon jug of fresh, cool water from home along with a bowl from which your pet may drink
- Check on your pet's health every few minutes
Signs of Heatstroke
Heatstroke in a pet is very easy to diagnose. Some first signs are quite visible. They include excessive panting, salivation, and a racing pulse. The pet also will have a high body temperature and may even vomit. In latter stages of heatstroke, a pet lapses into a coma. At this point, many pets suffer brain damage and die.
Emergency Treatment
When your pet experiences some of the warning signs of heatstroke, Petland advises trying to lower your pet's body temperature on the way to the veterinarian.
Submerging or pouring cold water over your pet's body can help. Ice packs, if available, can be used, too. You should also rinse your pet's mouth with cool water, offering only small amounts to drink.
Educate on the Spot
Petland is asking pet owners to carry copies of the above card, stashing them in wallet, purse, and glove compartment to use when a potentially dangerous pet-heatstroke situation presents itself. If you see a cat or dog locked in a car and you can't locate the car's owner, then Petland suggests you tuck the information card under the car's windshield wiper to warn the owner of possible dangers.
Every summer, many caring pet owners return to their cars to find a best friend needlessly lost to heatstroke. With this free informative card, Petland hopes to prevent this from happening.


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Health insurance:-
COBRA, refers to the Consolidated Budget Reconciliation Act of 1985, and specifically to Title X of the Act. The provisions of Title X include provisions to provide members of company health plans who have lost their coverage due to a "qualifying event" to continue coverage at the employee's expense for a period of time.The term health insurance is commonly used to describe any program that helps pay for medical expenses, whether through privately purchased insurance, social insurance or a social welfare program funded by the government.for this usage include health coverage and health care coverage..
We all know that medical expenses have always been very high. Even a small treatment or an appointment with a doctor might consume a lot of money.Health insurance saves money by covering expenses in case of unexpected calamities. Health insurance comes in handy to meet emergencies in case of severe ailment or accident. Some plans cover disability and custodial needs. Health insurance in India is affordable and carries the assurance andfreedom from unplanned financial burdens.Benefits Of Health Insurance Comparison.
.We leading health insurance companies in India. Buying through us enables analyzingcosts and benefits from the pool of health policies. You can choose a plan matching your requirements in addition to high quality services. Buying health insurance in India with us is quick, convenient and cost-effective. Once you compare with us there will be no need to fill complex forms. You can choose from a list of best health policies to cover pre and post hospitalization expenses, expenses for day care procedures,critical illness, cashless claims and avail tax benefits. A comprehensive health insurance policy covers all the benefits…
In a more technical sense, the term is used to describe any form of insurance that provides protection against the costs of medical services. This usage includes private insurance and social insurance programs such as Medicare,which pools resources and spreads the financial risk associated with major medical expenses across the entire population to protect everyone, as well as social welfare programs such as Medicaid and the State Children's Health Insurance Program, which provide assistance to people who cannot afford health coverage.
COBRA also allows for coverage for up to 18 months in most cases. If the individual is deemed disabled by the Social Security Administration, coverage may continue for up to 29 months. In the case of divorce from the former employee, the former spouse's coverage may continue for up to 36 months. In the case of death of the former employee, the widow's coverage may continue for up to 36 months.COBRA does not apply, on the other hand, if employees lose their benefits coverage because the employer has terminated the plan altogether or if the employer has gone out of business.
Q1. What is COBRA in general?
Answer: – COBRA is acronym for The Consolidated Omnibus Budget Reconciliation Act introduced in 1985, the act is an adduct to group health plan that adds continuous benefits if availed. The coverage provided under COBRA health insurance is known as COBRA coverage. A well built documentation covering every single aspect of COBRA including COBRA health insurance was released in June 15, 1987 and of January 7, 1998. A final documentation and regulation is drafted on the basis of these two proposed regulations.
The new regulation drafted has included group health plans and has issued guidelines both for participants and administrators.
Q2.What is COBRA continuation health insurance?
Answer: – The most debated and landmark continuation health insurance most popularly known as COBRA health insurance 1986 was passed by congress. There are array of amendments but most effective once are that deal with Income Security Act, the Internal Revenue Code and the Public Health Service Act which enables prolongation of group health coverage that may have been terminated.
Q3.What does COBRA do?
Answer: – COBRA basically allows continuation of health coverage at group rates on temporary basis. COBRA health insurance however can be availed if the existing coverage is lost in wake of any special event. The primary reason why one can want to avail COBRA is the reason that it is much more cheaper that individual health coverage plan.
Q4.How can you become eligible for COBRA continuation coverage?
Answer: – Anyone who has enrolled himself for employer's health plan can avail benefits of COBRA health insurance.
Q5.What group health plans are covered under COBRA?
Answer: – Arrays of health plan are covered under it but major once are those maintained by private sector employers with an employee base of 20 or more or state governments.
Q6: What process must individuals follow to elect COBRA continuation coverage?
Answer. Employers must notify plan administrators of a qualifying event within 30 days after an employee's death, termination, , reduction of employment hours or entitlement to Medicare. A qualified beneficiary must notify the plan administrator of a qualifying event within 60 days after divorce or legal separation or a child's ceasing to be covered as a dependent under plan rules.Plan participants and beneficiaries generally must be sent an election notice not later than 14 days after the plan administrator receives notice that a qualifying event has occurred. The individual then has 60 days to decide whether to elect COBRA continuation coverage. The person has 45 days after electing coverage to pay the initial premium.
Q7: How long after a qualifying event do I have to elect COBRA coverage?
Answer.Qualified beneficiaries must be given an election period at least 60 days during which each qualified beneficiary may choose whether to elect COBRA coverage. This periofrom the later of the coverage loss date or the date the COBRA election notice is provided by the employer or plan administrator.The election notice must be provided in person or by first class mail within 14 days after the plan administrator receives notice that a qualifying event has occurred. The Trade Adjustment Assistance Act of 2002 embded COBRA to provide certain trade affected workers with a second moment to elect COBRA continuation coverage. Qualified workers will have a second opportunity to elect COBRA continuation coverage and will receive a 65 percent tax credit to help pay for the premiums. Individuals who are eligible for trade adjustment assistance (TAA) or alternative trade adjustment assistance (ATAA) and who did not elect COBRA during the general election period may get a second election period. This additional, second election period is measured 60 days from the first day of the month in which an individual is determined TAA-eligible. For example, if an individual's general election period runs out and he or she is determined TAA-eligible 61 days after separating from employment, at the beginning of the month, he or she would have approximately 60 more days to elect COBRA. However, if this same individual is not determined TAA-eligible until the end of the month, the 60 days are still measured from the first of the month, in effect giving the individual about 30 days. Additionally, the Trade Act of 2002 added another limit on the second election period. A COBRA election must be made not later than 6 months after the date of the TAA-related loss of coverage.
Q8: How do I file a COBRA claim for benefits?
Answer:Health plan rules must explain how to obtain benefits and must include written procedures for processing claims.The process for filing a claim under a COBRA plan is the same process as a COBRA alternative plan and most,all other private health insurance plans. As a practical matter, most claims are filed electronically by the doctor hospital who performed the service.The vast majority of medical insurance claims are quickly processed, and paid under this system without any effort on the part of the plan participant.However, this does not relieve the participant from obligation of making sure that the claim is filed with the health plan. If no benefits response is received from a health plan with in month of the date of treatment,it would be wise to follow up on the claim submission to confirm that a claim was properly filed. if the claim is denied, you must be given notice of the denial in writing generally within 90 days after the claim is filed.The notice should state the reasons for the denial,any additional information needed to support the claim,and procedures for appealing the denial.You will have at least 60 days to appeal a denial and you must receive a decision on the appeal generally within 60 days after that.
Q9: Can individuals qualify for longer periods of COBRA continuation coverage?
Answer:Yes, disability can extend the 18 month period of continuation coverage for a qualifying event that is a termination of employment or reduction of hours To qualify for additional months of COBRA continuation coverage, COBRA offers you continuation coverage. That's simply continuing the same coverage you had the day before you lost your coverage. If you choose to elect COBRA coverage, you cannot be denied coverage based on your medical history,and you are not required to provide proof of insurability. For many people, COBRA provides peace of mind during a difficult time.The monthly premiums are set each March by the Board of Trustees and do not change for 12 months.The cost is determined by the type of coverage you elect and whether you are buying coverage for yourself or for both yourself and your family.The duration of coverage can be from 18 to 36 months. Generally, coverage is for 18 months, but can be extended to 36 months if a second qualifying event occurs or to 29 months if Social Security determines that a qualified beneficiary is totally disabled.
Q10: Is a divorced spouse entitled to COBRA coverage from their former spouses' group health plan?
Answer.Under COBRA, covered spouses and dependent children may continue their plan coverage for a up to 36 months when they would otherwise lose coverage due to divorce or legal separation. A qualified beneficiary must notify the plan administrator within 60 days after divorce or legal separation. After being notified of a divorce, the plan administrator must give notice, generally within 14 days, to the qualified beneficiary of the right to elect COBRA continuation coverage.
Q11: If I waive COBRA coverage during the election period, can I still get coverage at a later date?
Answrer:In which receiver may revoke the waiver of coverage before the end of the election period , then they elect their COBRA coverage.Then, the plan need only provide continuation coverage beginning on the date the waiver is revoked.
Q12:Under COBRA, what benefits must be covered?
Answer:The medical, dental, and vision plans offered by your employer are all included under the COBRA continuation of benefits guidelines.However, you may continue only those plans in which you were enrolled on the date of your loss of eligibility. For example,if you were enrolled in a PPO medical plan and the vision plan, you may continue either or both of those two plans.You would be ineligible to elect participation in a dental plan, and ineligible to change to an HMO medical plan, until the next annual Open Enrollment period.COBRA coverage is generally offered for up to 18 months, or longer depending on the circumstances. When you or a covered dependent lose eligibility for or end your coverage in our benefits plans,the coverage will be terminated. However, under most circumstances, you may continue the medical prescription,dental, vision and health care flexible spending account benefits coverage through COBRA. Under COBRA, you will pay the full group cost of the plan, plus a 2% administrative fee.
Q13:When does COBRA coverage begin?
Answer.COBRA coverage begins on the date that health care coverage would otherwise have been lost by reason of a qualifying event.
Q14: How long does COBRA coverage last?
Answer:If you are leaving your job and you had group coverage, you may be able to stay in your group plan for an extended time through COBRA or state continuation coverage. The information presented below was taken from publications prepared by the U.S. Department of Labor.You should contact it for more information about your rights under COBRA.The Consolidated Omnibus Budget Reconciliation Act (COBRA) allows for, according to the United States Department of Labor, "continuation health coverage." The government-funded group insurance works by giving workers who have been fired or laid off from their jobs the chance to continue their health insurance until they find another job. COBRA typically lasts up to 18 months, but there are some exceptions.To do so, they must provide proof of a ruling from the SSA within 60 days of receiving COBRA benefits.This can add up to an additional 11 months on the COBRA coverage. Within 30 days of the "qualifying event," your employer will contact you with information on receiving COBRA.You must respond within the date listed.Second qualifying events must be reported within 60 days. The COBRA payments are due within 45 days of accepting coverage.
Q15:Who pays for COBRA coverage?
Answer:Receiver may be required to pay for COBRA coverage.The grant cannot exceed 102 percent of the cost to the plan for similarly situated individuals who have not incurred a qualifying event,including both the portion paid by employees and any portion paid by the employer before the qualifying event, plus 2 percent for administrative costs.For qualified beneficiaries receiving the eleven month disability extension of coverage, the premium for those additional months may be increased to 150 percent of the plan's total cost of coverage.COBRA premiums may be increased if the costs to the plan increase but generally must be fixed in advance of each 12-month premium cycle.The plan must allow you to pay premiums on a monthly basis if you ask to do so, and the plan may allow you to make payments at other intervals(weekly or quarterly).The initial premium payment must be made within forty-five days after the date of the COBRA election by the qualified beneficiary. Payment generally must cover the period of coverage from the date of COBRA election attendant to the date of the loss of coverage due to the qualifying event.Grants for successive periods of coverage are due on the date stated in the plan with a minimum thirty-day grace period for payments. Payment is considered to be made on the date it is sent to the plan.If premiums are not paid by the first day of the period of coverage,the plan has the option to cancel coverage until payment is receive and then reinstate coverage retroactively to the beginning of the period of coverage.If the amount of the payment made to the plan is made in error but is not significantly less than the amount due, the plan is required to notify you of the deficiency and grant a reasonable period to pay the difference.The plan is not bind to send monthly grant notices. COBRA receiver remain subject to the rules of the plan and therefore must satisfy all costs related to co-payments and withdraw, and are subject to fatal and other benefit limits.
Q16:if i elect cobra how much do i play??
Answer: It's very important to know your rights under COBRA – and your responsibilities as well.There are certain procedures you must follow. For example, if you fail to sign up within the initial election period, you'll miss your opportunity to choose continued health coverage under your employer's plan.And, if you don't make your monthly premium payments by the specified date, your COBRA coverage will end…When you elect COBRA,your coverage is retroactive.That is, your coverage will be effective from the date your coverage was lost under the health plan, and you will have no "gap" in coverage.COBRA provides continued benefits for the employees' spouse and other dependents after the employee leaves the job or reduces hours.The Family and Medical Leave Act, effective August 5, 1993, requires an employer to maintain coverage under any group health plan for an employee on FMLA leave under the same conditions coverage would have been provided if the employee had continued working. Coverage provided under the FMLA is not COBRA coverage, and FMLA leave is not a qualifying event under COBRA. A COBRA qualifying event may occur, however, when an employer's obligation to maintain health benefits under FMLA ceases, such as when an employee notifies an employer of his or her intent not to return to work.
Q17: Can,the COBRA Premium Reduction (Subsidy) ends on August 31, 2011, is this true?
Answer:No,this is not important some individuals are still eligible to receive the subsidy beyond August 31, 2011.The American Recovery and Reinvestment Act (ARRA) provided a COBRA premium reduction for eligible individuals who were involuntarily terminated from employment through the end of May 2010.Due to the statutory sunset, the COBRA premium reduction under ARRA is not available for individuals who experience involuntary terminations after May 31, 2010.However, individuals who qualified on or before May 31, 2010 may continue to pay reduced premiums for up to 15 months, as long as they are not eligible for another group health plan or Medicare even if their COBRA coverage did not start until a later date due to the terms of a severance arrangement, or the use of banked hours or other similar provision that delayed the start of their COBRA coverage.For example if an individual was involuntarily terminated on May 31, 2010 and due to the terms of a severance agreement their COBRA coverage did not start untildecember 1, 2010, they would still be eligible for the full 15 months of subsidy through February 29, 2012 as long as they are not eligible for another group health plan.
Q18: If I did not make the premium payment on time and my coverage was canceled what can I do?
Answer:You may want to contact your plan and ask if they will reinstate your coverage; however, if your coverage was terminated for not making the payment within the grace period, the plan is not required to reinstate your coverage. If you believe your coverage was canceled inappropriately.If you have lost coverage, and are not eligible to enroll in a new employer's plan or a spouse's plan, you may want to contact your state department of insurance to get information about obtaining an individual policy. the Affordable Care Act provides that plans or issuers that make available coverage to dependent children must make such coverage available for children up to age 26. Because this provision has a varying applicability date, contact the plan to see if such coverage is available.The Affordable Care Act also established Pre-existing Condition Insurance Plans (PCIP) for those with pre-existing conditions.
Q19: Can we receive COBRA benefits while on FMLA leave?
Answer:The Family and Medical Leave Act, effective August 5, 1993, requires an employer to maintain coverage under any group health plan for an employee on FMLA leave under the same conditions coverage would have been provided if the employee had continued working. Coverage provided under the FMLA is not COBRA coverage, and FMLA leave is not a qualifying event under COBRA. A COBRA qualifying event may occur, however, when an employer's obligation to maintain health benefits under FMLA ceases, such as when an employee notifies an employer of his or her intent not to return to work.
Q20: what changes did the trade act of 2002 and the trade adjustment assistance extension act of 2011 make with regard to cobra continuation coverage?
Answer.The Trade Act of 2002 created a tax credit for certain individuals who become eligible for trade adjustment assistance and for certain retired employees who are receiving pension payments from the Pension Benefit Guaranty Corporation (PBGC). Under the tax provisions, eligible individuals can either take a tax credit or get advance payment of 65% of premiums paid for qualified health insurance, including continuation coverage.The Trade Adjustment Assistance Extension Act of 2011 increased the percentage of the Health Coverage Tax Credit (HCTC), extended eligibility for qualifying family members, and extended COBRA coverage. These changes are effective through January 1, 2014.In January 2012, the monthly HCTC will increase to 72.5 percent of qualified health insurance premiums and individuals began paying 27.5%.COBRA coverage can be extended through the former employer's plan for TAA recipients and PBGC payees whose COBRA end date is on or after November 21, 2011. TAA recipients are eligible for COBRA coverage extensions for as long as they have TAA eligibility or until January 1, 2014. PBGC payees are eligible for COBRA coverage extensions until January 1, 2014. If the payee passes away, their spouse or dependents can receive an additional 24 months of COBRA or until January 1, 2014. The law also extends the HCTC to family members for 24 months after the covered employee passes away, enrolls in Medicare, or finalizes a divorce, or until January 1, 2014. The extension also applies for 2011,therefore payments made directly to the qualified health plan can be claimed. Starting in January 2012 qualified family members can enroll in HCTC.
Q21: What is the Federal Government's role in COBRA?
Answer: COBRA continuation coverage laws are administered by several agencies. The U.S. Department of Health and Human Services administers the continuation coverage law as it affects public-sector health plans.The Treasury Department has interpretive responsibility to define the required continuation coverage. The Internal Revenue Service, Department of the Treasury, has issued regulations on COBRA provisions relating to eligibility, coverage, and payment. The Departments of Labor and the Treasury share jurisdiction for enforcement of these provisions.COBRA continuation coverage laws are administered by several agencies. The Departments of Labor and the Treasury share jurisdiction over private-sector group health plans. The Department of Health and Human Services administers the continuation coverage law as it affects State and local government health plans.
Q22: I am a federal employee. Can I receive benefits under COBRA?
Answer.Federal employees are covered by a law similar to COBRA. Those employees should contact the personnel office serving their agency for more information on temporary extensions of health benefits.
Q23: Am I eligible for COBRA if my company closed or went bankrupt and there is no health plan?
Answer:Federal employees are covered by a law similar to COBRA. Those employees should contact the personnel office serving their agency for more information on temporary extensions of health benefits.When your employer went out of business, the group health insurance pool to which you belonged also ended. You're not eligible for COBRA coverage because there is no longer a group under which you could continue your group health insurance benefits. Likewise, if you had already left your employer, enrolled in COBRA, and then your employer went bankrupt, your COBRA coverage would end.
Q24: How do I find out about COBRA coverage and how do I elect to take it?
Answer: Employers or health plan administrators must provide an initial general notice if you are entitled to COBRA benefits You probably received the initial notice about COBRA coverage when you were hired. Employers must notify their plan administrators within 30 days after an employee's termination or after a reduction in hours that causesan employee to lose health benefits.Next, the plan administrator must provide notice to individual employees of their right to elect COBRA coverage within 14 days after the administrator has received notice from the employer.Spouse may elect COBRA coverage on Each qualified beneficiary may independently elect COBRA coverage. A covered employee or the covered employee's behalf of all other qualified beneficiaries.A parent or legal guardian may elect on behalf of a minor child. Qualified beneficiaries must be given at least 60 days for the election.


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Ten Word or Less Review: Solid opening lapses into chaotic mess.
This first part of an epic French gangster saga brings us the true life story of notorious criminal Jacques Mesrine, thug, thief, killer and kidnapper who operated in France and Canada in the 1960's and 70's. Mostly unknown in the U.S., Mesrine attempts to bring to light the sprawling story of this notorious French criminal in two films. They could've used 3 or maybe even 4.
This first feature, Killer Instinct, starts off on strong notes, emulating but not quite copying Scorsese's epic crime scenarios. Following the tried and true rise and fall of a criminal arc, Killer Instinct holds the audience in rapt attention, Vincent Cassel (Black Swan) holding the screen with fierce authority and macho showmanship. But as this first part marches on, the story starts to slip away in a hail of important event overkill. Whole years start disappearing between the scenes. In just a handful of screen time Mesrine goes from being a criminal, to being married, to having a child, to going to jail, to getting out of jail, to being reformed, to lapsing back into criminality to hating his wife. There's no buildup to anything and the film slowly collapses in on itself as one major event proceeds another in a parade of narrative overkill.
By its conclusion Killer Instinct feels like a 4-hour movie which has been clumsily edited down to two. The rushed nature of everything makes Cassell's Mesrine feel less like a character and more like a thug having spastic, murderous emotional fits. Part two of this ambitious endeavor, Public Enemy #1, supposedly plays better and when it appears in my Netflix queue I will see it. But this first chapter ultimately feels like an ambitious but missed opportunity.


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Purpose: to glorify God by training men and women so they will be able shepherd themselves, their families and the body of Christ to know the joyous all-sufficiency of Jesus Christ and thus make Disciples of Christ who in turn will make Christ known to others. (John 10:10;13:34; Matt. 28:19-20; 1 Tim. 3:4-5; Eph. 4:11-16; 5:25-28;6:4; Phil.)
Plan: Three avenues are used in this training: Instructing, Mentoring and Ministering.
Instructing: Classes are held bi-weekly (20 times a year). Classes meet every other Saturday morning or every other Tuesday evening from 7-9:30.
There is discussion and interaction over the biblical truth we are learning including how to apply it in our lives, families and church. There is also a time of worship and prayer.
Mentoring: Students are shepherded by an Elder, periodically interacting with them in a ministry setting.
Ministering: Students are encouraged to apply what they are learning with their spouse and children. The S.O.S. syllabus showing requirements and an overview of the training are found here


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Metal roofing has enjoyed growing popularity in recent years, thanks in large part to its outstanding durability, long lifespan and ecological friendliness. However, proper installation is key to maximizing the benefits of metal roofing. Errors and oversights during the installation process can lead to significant problems down the road, some of which can be costly to fix.
Metal Roofing Installation: Common Problems to Watch For
Here are five common pitfalls of DIY metal roofing installation:
- Poorly attached flashing. When attaching flashing, it's important to avoid leaving open seams or lapping the panels incorrectly. Otherwise, the finished roof will be susceptible to wind damage, and in extreme cases, flashing installation errors can lead to sections of the roof blowing off in a heavy windstorm. When installing flashing, remember to always have the short lip cover the fat lip. Otherwise, your roof will be unstable.
- Setting the screws incorrectly. Avoid fastening screws too tightly, as this can result in damaged washers; at the same time, be sure not to leave the screws too loose, or your roofing panels may become dislodged. Screws should drive easily, with little resistance. If they don't, you may have the wrong nut driver for the job.
- Overusing sealant. Many inexperienced people try to cover errors or fill in gaps by applying caulking, but waterproofing should be achieved by correctly placing and securing the panels and trim. Caulking should be a secondary waterproofing strategy, and sealant should always be applied on the underside of a panel or trim piece, as this shields it from sunlight and increases its lifespan.
- Overhangs which are too short or too long. Experts recommend that roofing panels overhang the edge of the room by no more than 1 to 2 inches. You may experience drainage problems if your overhangs are shorter or longer than they should be, or if the panels are of not of uniform length. All overhangs should be flush and straight, with no length variations.
- Failing to install enough screws in your pipe flashing. Most roof leakage problems occur around areas of penetration, such as pipes. As such, you should make sure that your pipe flashing is securely fastened against the roof so water doesn't have a place to seep in. Many novices fail to check this as carefully as they should, and experience leaks as a result.
Avoid Metal Roofing Installation Errors
If you're inexperienced with roofing installation, it's better to hire a professional. While metal roofs help you save money in the long run, they come at a higher up-front cost than shingled roofs and they won't perform as they should if they're not mounted correctly.
Roofing installation is a precision task which demands specialized knowledge and expertise. Protect the investment you've made in your metal roof by making sure it meets performance standards.
Specializing in standing seam metal roofing, LGC Roofing is a leading New Jersey-based roofing contractor with nearly 30 years of experience installing & repairing roofs. Each of our superior metal roofs comes in 16 different colors, and includes a 35-year material warranty.
Call 609-712-8157 in NJ or (215) 932-7850 in PA for your FREE ESTIMATE today!


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Psyonix has announced Rocket League's promised basketball mode, Rocket League Hoops, will arrive as part of a free update on April 26th. It's pretty much what you'd expect, pass the ball from car to car while driving to the hoop, literally. This will change the game's mechanics as well, though, as those fancy trick and wall shots are now even more important. It's a two-on-two mode, so only 4 cars on screen at one time.
The add-on includes one new basketball specific arena, but there's more to upgrade. There's a physics tweak to make the ball behave more like you would expect, and you can quick save replays and as well as rename them to help you remember which game your awesome dunk was slammed in. There will be some paid content coming as well.


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To the Devil is a decent little film. In its favor, it has Christopher Lee in a commanding performance as a rogue priest, Father Michael who appears to be playing for another team. [Satan, anyone?] He and his minions have nefarious plans for sweet Catherine, played perfectly by Nastassja Kinski [Cat People]. Her only hope is an American occult novelist, played nicely by Richard Widmark [Coma, Murder on the Orient Express], who tries his best to deliver her from evil. Yep, it's classic stuff.
The second thing it has going for it is a few good special effects and the creepiest little "satan baby I've seen in a long time. These elements add the needed feeling of dread to the film. There's not much more to say about this one. The story is far from original but it's a great one to watch on a lazy Sunday afternoon. If you're a fan of the classic "giving birth to a devil baby" genre, then this one is definitely your cup of tea.
RATING: Good.
For more info check out the film's entry in IMDB.


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Attraction Information
- Children's Farms
Ages: all ages
Venue type: Outdoor
Do your little ones love wildlife? Take them down to Gorgie City Farm where you'll get to visit, pet and sometimes even cuddle the friendly animals.
Get a hands-on experience of taking care of farm animals at the community-led charity. Meet Mrs Murdoch the farm's oldest tortoise, born in 1956, or see bearded dragon Becks protect his territory by performing push-ups. Don't miss out on the regular workshops and tours available all year long, you never know what you'll learn.
When you've met all the animals, let your little ones loose on the playpark while you take a stroll through the much-loved gardens where the farm produces a range of fruit and vegetables. You can then even head to the produce stall where these yummy fresh treats are available for you to take home.
- Traditional & exotic animals
- Outdoor play park
- Lovely gardens & fresh produce
- Restaurant Onsite
- Snacks Available
- Picnics Allowed
- Toilets Available
- Baby Changing Available
- Disabled Toilets Available
- Wheelchair Friendly
- Parking Available Nearby
- Pushchair Friendly
Getting There and Contact Information
51 Gorgie Road, Edinburgh, Edinburgh and Lothian, EH11 2LA, Scotland
Click here to visit Gorgie City Farm's website
0131 337 4202
Standard Opening Times and Pricing
Opening hours
Monday to Sunday 9:30 - 16:30
Monday to Sunday 09:30 - 16:00
Closed 25th December & 1st January
Free admission
Donations are welcomed
More Information
Pets allowed
No dogs allowed
Parking facilities
There is parking on site for Blue Badge Holders only. There is some unrestricted parking on McLeod Street by Tynecastle Stadium.
Written by Anonymous . 02.04.16


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States Attorney's Office District of Connecticut
|July 31, 2009
Pennsylvania Fraud Resources - Report Mortgage Fraud, Identity ...
Mortgage Fraud Task Force - the United States Department of Justice
Pennsylvania Home Buyer Charged With Mortgage Fraud | LoanSafe
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FBI — Pennsylvania Pastor Charged in Mortgage Fraud Scheme
Sewickley Heights Couple Indicted on Mortgage Fraud Charges ...
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Pennsylvania Mortgage Fraud Attorneys | Pennsylvania Mortgage ...
Field Guide to Mortgage Fraud
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Citizens are encouraged to report any suspected mortgage fraud activity by calling 203-333-3512 and requesting the Connecticut Mortgage Fraud Task Force, or by sending an email to home.
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For more information on avoiding foreclosure and foreclosure scams, click mortgage fraud in stlouis.
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The amazing, painful, and wonderful thing . . . is that the fleeting individual lives of all living things, including human beings and their stories, have such absolutely significance in the scheme of things." – from House by Roberta Bondi
I spend my days walking this farm where I am now living, again, with my dad. I wander through leaf-strewn forests. I kick back decades of debris to find brick. I touch the hearths of cabins from the 19th century.
I spend my days digging back through centuries of family – mine, theirs – linking my people back to an Angolan man named Emmanuel, trying to link their people back to the gravestones I can touch but they don't even know exist.
I am an archaeologist with no training, a genealogist with only digital tools. I am writing a book.
The whole shape of this thing seems unwieldy to me, like one of those cloud monsters from the old Star Trek. I can't quite get hold of it, but that's exciting. If this was too easy, it would be worth doing.
I have no idea where this project is going; I have no idea of structure or shape or chapters. I have no idea where I will be when it's done. But I feel with all of myself that this is the right journey for me. I'll keep you posted on the trip.
If you'd like to stay up to date on my research and writing for this project, I'll be posting tidbits on Facebook and Twitter. I'd love to "see" you there, too.


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File & Pay Placer Gold Mine Taxes
Unless you're eligible for an exemption, you must file your placer gold mine tax return and pay any mineral tax you owe on or before March 31 following the end of the calendar year. If the due date falls on a weekend or statutory holiday, the due date is the next business day.
Placer Gold Mine Tax Return
Your Placer Gold Mine Tax Return reports the results of your mining operation and the tax you owe. Each operator must file a separate tax return for each mine they operated in the last calendar year.
When you prepare your return, all amounts must be in Canadian dollars and rounded to the nearest dollar.
Submit a printed return (PDF)
Your tax return may be audited to ensure you're paying the right amount of tax. You must keep your business records at your office in B.C. for seven years after your mine's year end.
If you file your tax return after the due date you'll be charged a penalty of:
- $25 per day, to a maximum of $2500, and
- 5% of the taxes owing
You'll also pay interest on your overdue balance, including penalties.
You can amend a tax return up to five years after the end of the year you want to change. To amend a return:
- Complete a new copy of the tax return with the changes you want to make
- Write "Amendment" and the current date clearly at the top of the tax return
- Submit the amended tax return


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Happy Monday everyone! Here's a card I made using my cameo and different shades of purple scraps of card stock I had laying around. I used PBD stamp set simply everything, some buttons from my stash and a lil bit of grape fizz trendy twine!
Hope everyone has a great week! I'll be crafting all week, so I'll try to post more, :)


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Memory card data recovery
Data recovery from all types of memory card. From usb memory sticks, photo cards including Sony XQD, CFast professional memory cards, from USB sticks, key drives, photo cards, SD cards, compact flash cards and all other types of memory card.
Memory cards come in all shapes and sizes. We are able to recover data even when they are no longer recognised by the computer, camera or other equipment they were used in. We have even recovered data from a memory stick that had been through a complete cycle in a washing machine.
We are able to recover from
- USB sticks/drives
- Digital camera memory cards
- Mobile phones
- Other portable equipment that use removable memory cards
We can recover from the following Memory cards.
- CFast Memory Cards
- SD Cards
- Compact Flash
- Sony Memory Stick MS/MS Pro
- Smart Media
- xD Cards
- Flash Media
When a memory device is not readable by normal means in most cases we are able to remove the physical memory chips and recover the data directly from there.


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Qualicare's Got Blog!
Qualicare launches a healthcare blog!
What's Great About Starting a New Franchise Business…
This is deep.
Have you ever come across an insight that just blew you away? Better still, you came up with it yourself and you're shaking with excitement because it gives you a new way of looking at something or resolving something that you've been thinking about.
Here's the reason why.
An idea is a thought – often new, sometimes not. An insight is the juxtaposition of two ideas. When you put one idea together with another, you get something distinctive and multi-dimensional. Since a person has only a finite number of ideas, it stands to reason that after a while, without any new stimuli, the number of idea combinations in your brain will be exhausted and there will be no new insights. That's why brain storming sessions are used to resolve problems – to get different perspectives and ideas together to create insights.
An insight is a whole new way of looking at things. Sometimes this is referred to as a "paradigm shift," but that usually implies something imposed externally. An insight comes from within. The insight, on the other hand, is disarmingly simple. In fact, its simplicity is partially what makes it exciting.
But what makes it exciting?
In some cultures, there is a legend/belief that when the baby is growing in the womb, an angel teaches it all knowledge. Then, when the baby exits the womb, the angel touches it on the baby's upper lip and, like a neuralizer, the baby forgets everything. (Incidentally this is why it comes out crying.) The implication is that you don't acquire knowledge, you re-acquire knowledge. After a while, as we mature, we've pretty well maxed out on this simple kind of knowledge.
This explains the exhilaration you feel when you hear an insight – it's not just the excitement at discovering something new, it's the excitement of re-discovering something new. And with this comes a pleasant but faint reminder of that wonderful time in the womb. The simpler the idea, the clearer the evocation of that wonderful, carefree time in the womb. That's why it's called an "insight" – it's seeing "in." (By the way, this may also explain déjà vu.)
Consider a homecare franchise
This is useful for people considering a career move into franchising and particularly something like a Qualicare homecare franchise. You will be exposed to a lot of new ideas. It's a great opportunity to connect those ideas that you have from your past life with the new ideas you'll be exposed to in a new business category and a new business style. This is the time to revel in the excitement and to use that enthusiasm to generate more insights and to achieve business success and personal happiness.
Raphael Adams
Communications Specialist
Qualicare – Family Homecare franchise company
Are you considering investing in a homecare franchise? Then contact Qualicare today.