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[author: Angela Bohmann]
Many employers know that one benefit to an ERISA plan is the standard of review available when the participant brings a lawsuit for benefits under the plan. If the plan documents give the plan administrator discretion to decide claims, then the court will review the exercise of the plan administrator's discretion under an arbitrary and capricious standard. Under that standard, the plan administrator's decision will be upheld if the decision is supported by any reasonable interpretation of the plan. If the review standard is not arbitrary and capricious, then the court can determine for itself the most reasonable interpretation of the plan in deciding the claim. Because of that deference, plan administrators who can take advantage of the arbitrary and capricious standard are more likely to win lawsuits challenging their decisions.
Unlike the situation with retirement plans where employers typically have formal plan documents, the documentation associated with an employer's health and welfare plan is often less formal. Employers may rely on their insurance company or third party administrator to provide the documents describing the welfare plan, such as medical, dental, life insurance or long term disability. If the plan is provided under an insurance contract, the insurer will often prepare a certificate of coverage. That certificate of coverage frequently does not contain all the provisions that an employer might like a plan document to contain. Among the missing provisions is sometimes a statement of the arbitrary and capricious standard of review.
Employers will sometimes adopt a "wrap" plan document, which is a plan document that wraps around underlying contracts and policies from an insurance company or third party administrator. Sometimes the wrap document applies to multiple benefits, creating a single plan with a single plan number that allows the employer to file a single Form 5500. Sometimes it is a document that wraps only around a single benefit.
A recent district court decision in Ohio considered the situation of a denial of accidental death and dismemberment (AD&D) benefits to beneficiaries of an employee who had died following a single car accident. Toxicology reports had shown a blood alcohol level in the driver well above the legal limit, and the insurance carrier denied AD&D coverage based on an exclusion for accidents occurring while operating a motor vehicle involving the illegal use of alcohol or controlled substances. The AD&D plan booklet did not grant discretion to the plan administrator or the insurance carrier to decide claims. However, the employer had adopted a wrap document that did contain such discretion. In addition, the summary plan description noted that the employer had discretion to decide claims.
The court concluded that the wrap document and the plan booklet together constituted the plan document so the grant of discretion applied to the AD&D claim denial. The court also said that because a summary plan description is supposed to describe the plan, the statement in the SPD about the grant of discretion was not sufficient to provide the discretion. The court then upheld the decision denying the AD&D benefits, finding that the insurance company's interpretation of the alcohol exclusion was reasonable.
The case highlights the importance of the abuse of discretion standard and reminds employers that it should check its plan documents to make sure they contain the appropriate discretionary language. If the documents provided by the insurance company do not contain that language, the employer should consider adopting a wrap plan document to add that provision and any other appropriate provisions missing from the insurance company documents.
See more »
DISCLAIMER: Because of the generality of this update, the information provided herein may not be applicable in all situations and should not be acted upon without specific legal advice based on particular situations.
© Stinson Leonard Street - Employee Benefits & Compensation
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Question: Can I Be Allergic to a Metal Implant?

Metal implants are used in a variety of orthopedic surgical settings, including fracture repair and joint replacement surgery. Some people are concerned about developing an allergic reaction to the metal implants. Is this possible, and could it be a cause of pain or irritation after surgery?

Answer: Hypersensitivity or allergy can occur after contact with various metals. Most people are aware of skin sensitivity to metals, and whether or not this is related to problems with metal implanted inside the body is not well understood.

Metals Implanted in the Body

The most commonly implanted metals used in orthopedic implants are cobalt/chrome, stainless steel, and titanium. All orthopedic implants are alloys, meaning they have several different metals in the implant. The base metal(s) are found in the highest quantities, but smaller amounts of other metals are also found in the implant. Metals often included in orthopedic implant alloys include nickel, aluminum, and others.

Many people have known skin sensitivities to various metals. The most frequent sensitivity encountered is to inexpensive jewelry that may contain nickel. Some orthopedic implants contain small amounts of nickel, and there has been concern that this may be an issue for those individuals receiving implants who also have skin irritation from this metal.

Should I Be Concerned About Metal Allergy When Getting an Implant?

Metal sensitivities and allergies have been implicated in some situations of painful or problematic orthopedic implants. It is likely that metal sensitivities are the cause of implant problems in some situations, but this is also thought to be extremely rare. Pain around the site of orthopedic implants has many causes, and before blame can be assigned to metal sensitivity or allergy, a thorough investigation must occur.

Unfortunately, the symptoms of metal implant sensitivity and allergy are not well defined. Having a skin sensitivity to a particular metal is not thought to correlate well to having sensitivities to implanted metals. Therefore, making the diagnosis of a sensitivity or allergy to metal implants usually requires the removal of the implant. Patients who have pain around metal implants and associated skin changes (eczema) should be evaluated for possible metal sensitivity.

What if I Have a Skin Sensitivity to Nickel?

As many as 10% to 15% of the general population has a sensitivity or allergy to nickel. Patients who are sensitive to nickel should inform their doctors of this allergy. Your doctor may want to consider the use of an implant made without nickel in the alloy (usually a titanium implant). This may not always be possible, and an implant made with nickel may be the most appropriate implant available for your condition. Fortunately, the chance of developing problems with metal implants, even in people with known skin sensitivities, is extremely low.

Should I Have My Metal Implant Removed?

Removal of metal implants for treatment of an allergy to metal is rarely performed. While it is nice to know that metal implants rarely cause allergic reactions that require implant removal, it has been reported, and some individuals have found resolution of their symptoms after removal or replacement of their implants. Your doctor can help you determine the cause of your problems and the appropriate treatment to consider. Fortunately, for those patients who truly have metal sensitivity causing their implant problems, removal of the implant will often provide immediate relief of symptoms.

Sources:

Busam ML, et al. "Hardware Removal: Indications and Expectations" J. Am. Acad. Ortho. Surg., February 2006; 14: 113 - 120.

Hallab N, et al. "Metal sensitivity in patients with orthopaedic implants" J Bone Joint Surg-Am 2001; 83-A: 428-36.

subset: commoncrawl


text:
Amtrak train kills San Clemente pedestrian
SAN CLEMENTE – A pedestrian was struck and killed by an Amtrak train on Monday afternoon, authorities said.
Deputies shortly before 4:30 p.m. responded to reports of a train striking a pedestrian on the tracks near Camino Capistrano and El Camino Real, said Lt. Joe Balicki of the Orange County Sheriff's Department.
The pedestrian, who authorities have identified only as a 54-year-old man, was pronounced dead at the scene.
Investigators are interviewing witnesses, including the conductor, Balicki said.
Witnesses reported that the man walked onto the tracks before being struck by the southbound train, Lt. Dan Dwyer said.
Investigators have not determined whether the man intentionally stepped in front of the train.
The collision forced railway officials to close down the tracks for Amtrak and Metrolink traffic as investigators went over the scene, stranding some riders for hours. Several OCTA buses were used to transport Metrolink riders between the Laguna Niguel and Oceanside stations.
The death is the latest in a series of fatalities involving pedestrians struck by trains in the past year.
In July, August and September, six pedestrians were struck and killed by trains in North County. In October, a Capistrano Beach man was struck and killed by a train in Dana Point.
Contact the writer: 714-796-7939 or firstname.lastname@example.com
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We propose to create IDASH, a national center for biomedical computing that will develop new algorithms, open-source tools, computational infrastructure and services that will enable biomedical and behavioral researchers nationwide to integrate Data for Analysis, Anonymization, and Sharing, IDASH will address fundamental challenges to research progress by providing a secure, privacy-preserving environment in which researchers can analyze genomic, transcriptomic and highly annotated phenotypical data. Leveraging the high performance capabilities of the San Diego Supercomputer Center (SDSC), and scalable cyberinfrastructure developed by the California Institute for Telecommunications and Information Technology, iDASH will provide synergistic application of tools and systems to advance research and improve human health. iDASH will focus on privacy protection through anonymization, data simulation, and an informed consent management system. It will focus on data analysis through the development of new tools for data annotation and integration across temporal and spatial dimensions, and develop algorithms for rare event detection and risk adjustment. To enable efficient analysis of short-reads from massively parallel sequencing, compression algorithms and a new genomic query system will be developed. Three Driving Biological Projects that span the molecular-individual-population spectrum will motivate, inform and support tool development: (1) Molecular Phenotyping of Kawasaki Disease;(2) Post-Marketing Pharmacosurveillance of Anticoagulation Agents;(3) Individualized Intervention to Enhance Physical Activity. iDASH trainees will complete core biomedical informatics courses and will have options for short- and long-term graduate training at San Diego State University and UCSD. We will collaborate with other NCBCs and disseminate tools via annual workshops for users and developers, presentations at major conferences, and scientific publications. We will develop a comprehensive web portal to download tools, upload data, and obtain documentation and user-friendly training materials. An experienced leadership team will use effective project management practices to support collaboration as well as monitor and ensure progress toward iDASH goals.
Contemporary biomedical and behavioral research requires significant computational resources. There is an increasing divide between researchers who have these resources and those who do not. iDASH will decrease this gap and accelerate discoveries by providing innovative services, algorithms, open-source software, infrastructure, and training to facilitate data analysis and sharing by biomedical researchers.
|Ji, Zhanglong; Jiang, Xiaoqian; Wang, Shuang et al. (2014) Differentially private distributed logistic regression using private and public data. BMC Med Genomics 7 Suppl 1:S14
|Li, Zhonghan; Chao, Ti-Chun; Chang, Kung-Yen et al. (2014) The long noncoding RNA THRIL regulates TNF? expression through its interaction with hnRNPL. Proc Natl Acad Sci U S A 111:1002-7
|Hinske, Ludwig Christian; França, Gustavo S; Torres, Hugo A M et al. (2014) miRIAD-integrating microRNA inter- and intragenic data. Database (Oxford) 2014:
|Kinsella, Marcus; Patel, Anand; Bafna, Vineet (2014) The elusive evidence for chromothripsis. Nucleic Acids Res 42:8231-42
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|Gordon, C T; Jimenez-Fernandez, S; Daniels, L B et al. (2014) Pregnancy in women with a history of Kawasaki disease: management and outcomes. BJOG 121:1431-8
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|Doan, Son; Lin, Ko-Wei; Conway, Mike et al. (2014) PhenDisco: phenotype discovery system for the database of genotypes and phenotypes. J Am Med Inform Assoc 21:31-6
Showing the most recent 10 out of 58 publications


text:
Tripoli Monument (sculpture)
|Tripoli Monument
|United States Naval Academy
Campus of the US Naval Academy
|For the memory of Somers, Caldwell, Decatur, Wadsworth, Dorsey, Israel
|38°58′59″N 76°29′15″W / 38.98311°N 76.48759°WCoordinates: 38°58′59″N 76°29′15″W / 38.98311°N 76.48759°W
Annapolis, MD
near the Officers' and Faculty Club[1]
|Designed by
|Giovanni C. Micali
As a small tribute of respect to their memory and of admiration of their valour so worthy of imitation their brother officers have erected this monument.[1]
The Tripoli Monument is the oldest military monument in the United States.[1] It honors heroes of the First Barbary War: Master Commandant Richard Somers, Lieutenant James Caldwell, James Decatur (brother of Stephen Decatur), Henry Wadsworth, Joseph Israel, and John Dorsey. It was carved in Livorno, Italy[2] in 1806 and brought to the United States on board the USS Constitution.[1] From its original installation in the Washington Navy Yard in 1808 it was moved to the west terrace of the United States Capitol in 1831, and finally to the United States Naval Academy in Annapolis, Maryland in 1860.[2]
"The white marble sculpture consists of a thirty foot high column topped by an eagle and mounted on an elaborate base adorned with allegorical figures representing Glory, Fame, History, and Commerce. History, on the northwest corner, is represented by a seated female figure holding a book in her proper left hand and a pen made of bronze gilt in her proper right hand. She looks up and begins to record the event that she sees. Commerce, on the northeast corner, is represented by a male figure pointing to the column with his proper right hand and holding a caduceus in his proper left hand. Winged Victory stands beside the column, her proper right hand holding a laurel wreath over a sarcophagus and her proper left hand holding a bronze gilt palm branch. The column is adorned with two rows of antique "beaks of galleys" and two rows of antique anchors carved in relief. The sculpture rests on a square base constructed with blocks of stone and adorned with an urn on each corner."[2]
The monument is made of Carrara marble with a sandstone base and measures 360 inches by 192 inches by 192 inches (9.1 m × 4.9 m × 4.9 m). It is also known as the U. S. Naval Monument, the Naval Monument, and the Peace Monument.[2] The designer was Giovanni Charles Micali (sometimes Giovanni Carlo Micali), who signed his work as Giov. Charles Micali Invento·In Livorno 1806.[2]
On the north side of the monument's base is Micali's signature as described above.[2] On the west side of the monument's base is inscribed:[1][2]
The love of Glory inspired them
Fame has crowned their deeds
History records the event
The children of Columbia admire
And commerce laments their fall
On the east side of the monument's base:[1][2]
As a small tribute of respect to their memory
and of admiration of their valour
so worthy of imitation
their brother officers
have erected this monument
On the south side of the monument's base:[1][2]
Erected in the memory of Captain
Richard Somers, Lieutenant
James Caldwell, James Decatur,
Henry Wadsworth, Joseph Israel,
and John Dorsey who fell in the different
attacks that were made on the city of Tripoli
in the Year of our Lord 1804
and in the 28 year of the independence
of the United States
On each face of the larger bottom base is inscribed:[1][2]
Near the monument is a brass historical plaque placed there after a restoration undertaken in 2000. The first two paragraphs of the plaque are[1]
The oldest military monument in the United States honors heroes of the War against
the Barbary Coast Pirates, the new republic's first war. In 1804, President Jefferson ordered
the nation's tiny naval force to the Mediterranean to protect the expanding trade of the new
United States against the pirates, who demanded ransom for safe passage of merchant ships.
"Millions for defense, but not one cent for tribute" became the rallying cry for this war.
Jefferson's action established the doctrine of extension of power overseas and created
a permanent United States Navy.
History of the monument[edit]
At the conclusion of the First Barbary War, Captain David Porter assumed the task of creating a suitable monument for the fallen officers. Working with the Bishop of Florence, Porter commissioned Micali to produce the piece for $3000, half of Micali's usual fee.[2] Completed in 1806, it was shipped to Newport, RI on board the USS Constitution, and then shipped south to Washington, DC. After awaiting funds for assembly and erection, the structure was finally placed at the Washington Navy Yard as the Naval Monument.[3] Damaged during the War of 1812, the monument was restored and in 1831 it was moved to the Capitol Building,[2] much to the dissatisfaction of Porter, who found it had "been placed in a small circular pond of dirty fresh water—not large enough for a duck puddle—to represent the Mediterranean Sea."[3] Resolution came in 1860 when the monument was moved to the US Naval Academy. Even there, as the Academy expanded, the monument moved around campus,[3] before finally being situated in front the Academy's Officers' and Faculty Club.[1]
In August 1994 the Smithsonian American Art Museum noted that the Tripoli Monument needed treatment.[2] The needed restoration of the monument was completed in June 2000.[1] There is some conjecture that the figures of Glory, History, Commerce, and Fame are not in Micali's original positions. The adjustment may have occurred in the transition to the Capitol in 1831.[1]
- ^ a b c d e f g h i j k l Giovanni C. Micali. "Tripoli Monument at the U.S. Naval Academy in Annapolis, Maryland". dcMemorials.com. Retrieved 8 May 2014.
- ^ a b c d e f g h i j k l m "Tripoli Monument, (sculpture)". Smithsonian American Art Museum. Retrieved 8 May 2014.
- ^ a b c Smith, Dody W. (30 May 2011). "Our Oldest Naval Memorial: The Tripoli Monument" (blog). United States Naval Institute. Retrieved 9 May 2014.
External links[edit]
- A History of the Navy in 100 Objects. "Object #18: The Tripoli Monument" (video). U.S. Naval Academy Museum. Retrieved 8 May 2014.


text:
Learn the professional's secrets to making cakes in Sensational Cakes by baker Sylvia Weinstock, with recipes like Classic Yellow Cake; Basic Buttercream Icing; and Almond Cake.
Serves 12-15
Everyone loves this buttery cake—and we've perfected this one over time so it's the only yellow cake recipe you'll ever want to bake.
1. Preheat the oven to 350 degrees. Butter two 8 x 3-inch round baking pans or one 12 x 3-inch round or square pan and line them with parchment.
2. Sift together the flour, baking powder, salt, and ginger. Set aside.
3. In a large bowl of an electric mixer, cream the butter until fluffy and light in color, about 2 minutes on medium speed. Add the sugar and continue to mix until fluffy and light.
4. Add the egg yolks, one at a time, being sure each is blended before adding the next. Add the milk and vanilla.
5. Reduce the mixer speed to low and add the flour mixture alternately with the sour cream, beginning and ending with the flour. Be sure the mixture is completely blended after each addition. Scrape the sides of the bowl, and beat for 1 minute.
6. In a separate bowl, using a clean whisk attachment, beat the egg whites on high speed until soft peaks form.
7. Gently fold the whipped egg whites into the batter with a rubber spatula.
8. Pour the batter into the prepared pans and smooth with a rubber spatula. Place the pans in the center of the oven and bake for 45 to 50 minutes until the sides of the cake pull away from the pan and a toothpick inserted in the center comes out clean. The top of the cake should be nicely browned.
Suggested Wash Flavors: Raspberry, strawberry, lemon, orange
Suggested Fillings: Raspberry or strawberry buttercream, lemon or orange buttercream, mocha buttercream, chocolate mousse
This page created March 2009
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text:
Why we recommend World Nomads travel insurance
Why we recommend World Nomads travel insurance
Regular Travelfish readers will be aware that we've been long time fans of World Nomads. We use them every single time we travel away from home and while they're not the cheapest, having met the people behind the company, we've been of the firm opinion they're the best.
In all these years though, we've never had to make a claim -- until this week that is. Verdict? We were right -- they're excellent.
On a recent trip to Thailand and Burma, I woke in my Bangkok guesthouse to find that through the night I had scratched and ruptured a sty in my left eye. While still asleep, the eye became pus-filled, swelled up and sealed. This meant that when I woke up, not only did I look like I'd been hit with a cricket bat, I couldn't open my eye.
My super sexy 5am look.
Given I was supposed to be flying to Burma in a few days, I was less than enthused with the situation and so, at around 5am stumbled out onto the street and got a taxi to Bangkok's Samitivej hospital. Samitivej is a large private hospital and isn't cheap, but I've used them before and had no qualms about heading there.
I eventually saw an eye specialist, who cleaned up my eye and gave me a bag of blues and reds to combat the infection and the swelling and asked me to return in a few days to see how it was going.
I spent the next couple of days stumbling around in Bangkok, walking into poles on more than one occasion (yes two eyes are better than one) and when I returned to the hospital the doctor decided to operate on my eye to remove the sty. It was a thoroughly unpleasant undertaking, but only lasted about 15 minutes and my eye was patched up and she said I was good to go.
Two days later I was in Burma.
The total cost of the two treatments was 5,461 baht
Once back in Bali I decided to file a claim with World Nomads.
The process was very simple. On June 20 I logged into my account on World Nomads and filled out a few forms online where I explained what had happened and then I had to itemise each of the receipts (all of which I had kept).
The form noted I'd have to send originals of all the paperwork to the insurer's office in Switzerland which was a bit of a drag, and what I think was an automated response supported this. But after another eight hours I received a message back that included an email address I could email the docs to, so I immediately photographed the paperwork and emailed them all along with a couple of mugshots showing me with a bad case of cricket-bat-to-the-head-itis two hours after receiving this email.
Five days later I received a message from the insurer advising that my claim had been approved and that the payment (minus a US$100 excess as spelled out in the policy) would be paid into my bank within two weeks.
Yes the amounts concerned were small, but I found the claims system easy to use and the responses from the insurer prompt and helpful.
Given that a friend is currently in a far more serious situation and at the point of threatening legal action to get their travel insurance provider (not World Nomads) to fulfil their side of the bargain, my experience has only strengthened my resolve that World Nomads is a solid travel insurance company.
Some advice should you have a medical situation arise:
*) Keep all paperwork -- invoices, receipts for payment, credit card slips, appointment forms and so on;
*) If possible, take photos illustrating the problem (unless it is dysentery!);
*) File your claim as soon as possible so that all the details are fresh in your mind;
*) Have electronic copies of supporting documents like your air ticket in case you're asked for them.
You can read more about World Nomads on Travelfish here or visit their website direct to find out more.
Even if you decide World Nomads is not a good fit for you, make sure you are adequately insured before you travel - and read the fine print!
Please note if you purchase travel insurance with World Nomads via a link on Travelfish.org a commission may be payable to us.
#1 somtam2000 has been a member since 21/1/2004. Location: Indonesia. Posts: 7,770
Send somtam2000 a private message Where has somtam2000 been? Website Twitter Facebook Flickr Google+ Instagram Pinterest
I'm not happy with them at all. OK so my claim wasn't approved (they're all about the small print these insurances- I actually saved them money by opting to stay at a hotel next to the hospital, instead of at the hospital, for a 3 day recovery from typhoid fever, but of course only a hospital stay would have been reimbursed). What really puts me off them is that, if you terminate the insurance for any reason at all, (say you decide to return home early), they will not repay a cent of what you paid them! Other insurances, like STATravel, will pay back unused months- minus a 10 Euro fee. Also, having a question answered takes several emails to several people, or queries aren't answered at all- because of "holiday absence".... I find their style of communication sort of dehumanized too. Wish I'd chosen another insurance.
#2 arcu has been a member since 11/1/2013. Posts: 5
arcu's (first and only) post looks suspiciously like an ad for STATravel, doesn't it?
#3 exacto has been a member since 12/2/2006. Location: United States. Posts: 2,706
Send exacto a private message Where has exacto been?
Indeed it does. It'd be great to hear from others who've filed claims with WN and other insurance companies. I've used both STA and WN at different times but have fortunately never had to claim with either (knock on wood).
#4 DLuek has been a member since 19/6/2008. Location: Thailand. Posts: 1,217
Send DLuek a private message Website Twitter
I should have added a disclaimer! I'm not affiliated with them, and I just signed up with them, so I don't know if I'll have a better experience with STA (would prefer not to have an experience at all!) Wanted to ditch World Nomads after my first claim, because of, to put it mildly, unsatisfactory communication, but then realized I would not be reimbursed for the remaining months of my one year policy.
#5 arcu has been a member since 11/1/2013. Posts: 5
5461 baht comes out to 170 USD giving you a savings of $70. I should think it hardly worth it, given the relatively minor condition you suffered compared to the premiums you have paid over the long haul- it's Nomad that's still the big winner in your case. Sounds like you're either giving a little spin for Nomad (which I've heard nothing but awful things about) or you haven't really though it through.
I am very frustrated with travel insurance policies. Reliable ones are prohibitive while reasonably priced ones are unreliable. I'm also very concerned about theft. I'm livid that the banks have decided to do away with the de facto insured traveller's cheque. What do they want me to do, open a bank account in every country I travel? Stay in one domicile like a good little citizen? Uggh.
#6 LaoDing has been a member since 1/9/2014. Posts: 2
Hi Laoding,
I'm not sure I'm following you. How is me using World Nomads in the past and not needing to make a claim in anyway related to the "worth" of them paying out a claim when I did make one? How much should the claim have been before it was worth it?! I had an accident, needed to go to hospital, made a claim and World Nomads paid. I thought that was the whole concept of travel insurance?
#7 somtam2000 has been a member since 21/1/2004. Location: Indonesia. Posts: 7,770
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Any kind of insurance is a complete waste of money - until you need to make a claim that is. With any luck, you'll never need it and will hopefully continue to waste money with each and every travel insurance policy you buy. But as with car insurance or home insurance, you are a fool not to have some type of coverage to protect yourself against catastrophic loss.
Many banks did away with traveler's checks due to rampant fraud. ATMs are an easy to use and readily available substitute. They let you keep your cash in an account back home so you can take it out as you need it. Regards.
#8 exacto has been a member since 12/2/2006. Location: United States. Posts: 2,706
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@somtam Just a perspective. From where I sit, it sounds like the paperwork alone was worth $70 of your time. In any case, I would hope that the company would cover you for something more serious and costly.
@exacto And credit cards are not subject to fraud? You're mistaken- they've done away with TQ's to keep all the money tied to a bank and to squeeze transients like me. Now we're forced to carry cash. What is fraud but theft? If someone steals your cash, you lose. If someone gets away with cashing your TQ's (which I doubt happened much), the bank loses. CC's are a mixed bag. You like many others apologize for banks (maybe you don't realize it). Banks are NOT your friend.
I have a debit card in the States. It's harder than hades to get money into the account, and the bank cancels the card at a whim (twice in five years), leaving me cashless until my poor 75 year old mother sends me a new one via FedEx. Worthless.
I don't have a 'back home.' I wander the globe on contractual employment and I'm poor according to all the indexes. Guess what? Over 80% of the world is and they want us to stay in our place. I'm crushed by banks and there is no way they'll ever give me a credit card. As a US citizen, it's hard enough as it is to open a foreign bank account period (residency restrictions, pressure to report funds to the US govt., etc). So I have to carry cash- at my own risk. I don't like it a bit and I don't like it a bit that there are no reasonable insurance companies out there to guarantee against theft.
We live in different worlds my friend exacto.
#9 LaoDing has been a member since 1/9/2014. Posts: 2
I was looking at World Nomands, but the cost floored me - about $150., if I remember correctly. I can get Travel Guard when I purchase my ticket for about $50. I'm sure World Nomands is superior, but I'm also a very healthy person who never has had to change my plans significantly.
#10 daawgon has been a member since 17/4/2007. Posts: 1,139
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I started to use world nomads insurance because travelfish suggests it. Some days ago I had a small medical problem that costed me around 90 euros. When I was making the claim to get the money back, I discovered that every claim costs me 70 euros (or 100$ for us citizens, as you say in your post). So I'll get just 20 euros.
The answer was fast and clear, but the "detail" about the 70 euros was not clear at all, especially during the police subscription.
And after all, an insurance company that you gives you back 70$ when you paid 170$, is it really good?
#11 giuseppee has been a member since 4/4/2016. Posts: 1
"after all, an insurance company that you gives you back 70$ when you paid 170$, is it really good?"
Probably. Yes. You are talking about a deductible, which is a standard part of most insurance policies to help keep costs down. For example, on my car policy, with a $500 deductible, the cost of the insurance is about half of what it would be with a $100 deductible or no deductible. It is the same with travel insurance.
With insurance, the coverage is typically designed to prevent a catastrophic financial loss due to a significant event, like a major accident or illness, or, heaven forbid, repatriation of remains. If you only had a small claim and didn't really the catastrophic coverage, then be glad. But I've seen too many people have significant, very expensive incidents while travelling, and I agree with somtam that travelling without insurance is a bad idea. Cheers.
#12 exacto has been a member since 12/2/2006. Location: United States. Posts: 2,706
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Hi Giuseppee,
I do mention the excess in the story up top, and, as exacto points out, it is pretty standard across the board with insurance.
#13 somtam2000 has been a member since 21/1/2004. Location: Indonesia. Posts: 7,770
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I love Travelfish and so have a lot of confidence in your recommendations. However, in a competitive marketplace it is difficult to trust companies that recommend a single insurance provider - i.e. World Nomads is the only company recommended by both Lonely Planet and Travelfish.
I have just thought about buying this insurance despite its much higher premiums. And then I read user reviews, which suggest a dismal service:
People report no coverage for trip cancellation, difficulties in case of death of a family member, no coverage for theft that was not 'observed', poor communication and high excess.
I also don't see this particular review of the insurance (by someone working for Travelfish, which has disclosed knowing the people running World Nomads) as representative. Any travel insurance would go out of its way to give exemplary service to an affiliate who recommends them and posts blogs about it on their site - the bad publicity fallout would otherwise be just too much. And it's a tiny claim.
So, in short, I still love Travelfish but I think you owe it to your users to present objective information in areas such as insurance.
#14 onewoman has been a member since 9/7/2016. Posts: 1
I'll answer this here rather than your email :-)
Yes, the above case was a small claim -- we had a far larger one in January this year where our travel insurance cover saved us north of A$20,000 after I was hospitalised in Sydney after a suspected heart attack. I've been meaning to update the page with the newer claim, just have not got around to it yet.
World Nomads paid out everything -- all the medical fees, all the transport re arrangements (the "event" was the morning of our flights home, so we all missed the flights etc) -- the service was, really, flawless.
Exactly when I needed travel insurance, it was there.
I get that every claim is different and not all claims are paid out. In fact there was one on Travelfish just a couple of weeks ago regarding another Travelfish regular, who had a very bad accident, and her travel insurer let her down -- luckily she had other travel insurance that stepped in to save the day.
We have worked with (and used) World Nomads for years and the number of cases I've heard, from people I know, where they felt let down by WN are minimal -- there is only one I can think off the top of my head, and even in that case I felt the friend was being unreasonable in what they were expecting WN to do and pay for.
Buying travel insurance is a personal decision -- do the research, read the small print, understand what is and isn't covered -- obviously it isn't for everyone -- and buy the policy that fits with your needs, budget and so on. Some will feel the policy cost is too high, or they are too old to buy a policy, or require some form of coverage that isn't available through them etc -- so there are plenty of other options available.
But the travel insurance provider we recommend is World Nomads. They're the company we use whenever my family or I travel overseas and, we've found them to be a very good fit.
Hope that helps clarify our position.
#15 somtam2000 has been a member since 21/1/2004. Location: Indonesia. Posts: 7,770
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One thing to keep in mind is that World Nomads is not actually an insurer, but rather an insurance broker -- at least that's how I understand it. So it serves as a "middleman" connecting travelers up to policies that are underwritten by AIG or some other big insurance company.
As with any broker, World Nomads can help to negotiate claims with the underwriter on behalf of customers. When I made a claim a couple of years ago, the customer reps at World Nomads did a fine job of sorting out the claim on my behalf. But ultimately it's up to the underwriting company to decide which claims get paid out. I had no problems with World Nomads' customer service in terms of communication.
I'm no insurance expert, but the issues mentioned in onewoman's post seem more like issues that people tend to have with big insurance companies in general. I'd be interested to know if onewoman has found a better alternative while doing her research (though I suppose one can only comment on insurance quality after one has actually had to make a claim).
#16 DLuek has been a member since 19/6/2008. Location: Thailand. Posts: 1,217
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Just jumping in here (as I'm the TF regular Somtam mentioned above). All travel insurance can seem like a waste of money (can be expensive, high deductibles, unlikely to ever need it) - until the unfortunate day when you need it REALLY badly.
What you're buying isn't actually about paying the minor, $150 dollar medical expenses. It's about paying the $10,000+ expenses that probably aren't going to happen to you... but you'd struggle to pay if they did. And you're also paying for the staff who organise and sort out everything for you, when you're in a position where you can't (or would struggle to) sort it out yourself.
For example, my hospitalisation and surgery cost over $12,000, plus whatever my repatriation flight and transport to the airport cost (I never saw any bills for these, as the insurance company organised them for me). My insurer wasn't World Nomads - you can check the link Somtam included above to see who my insurer was, as I name-checked them in my original posting about the incident (and I'm very happy with the service I received from them).
Yes, its unlikely to happen to you. But I never thought it would happen to me, either. I'm sure Somtam never thought he'd need hospitalisation from a suspected heart attack either. It can happen to anyone - so good insurance is really rather important IMO, regardless of which company you get it from.
Somtam has had good experiences with World Nomads so he understandably recommends them, I had a good experience with my insurer, so I'll recommend them as well. There are probably quite a few good companies out there, so, as Somtam says, do your research and find the policy that suits you (but I really recommend ensuring it's one that pays out in front, rather than reimburses you later - yes it's more expensive, but if something terrible happens, you'll be glad of it).
Safe travels and be well.
#17 antoniamitchell has been a member since 13/5/2012. Location: Singapore. Posts: 527
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Hi everyone.
I've travelledlast year to Thailand and Cambodia and I'm pretty sure I took a travel insurnce advertised on travelfish.....wasn't WorlNomads though......Unfortunately can't remember which one it was again.
Any good advices for a months travel to Vietnam for me this year?
#18 murivalen has been a member since 30/7/2012. Location: Spain. Posts: 4
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Tee off with us at the 20th Annual Central Wisconsin Contractors Associated Golf Outing. Held on July 18 at Greenwood Hills Country Club, this four-person scramble will have various hole events throughout the course including $500 Cash for a Hole In One. For more information, please call Jahn at 715-539-2877 or e-mail firstname.lastname@example.com.
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Please check out our Events Calendar for a full listing of CMNH events.
Thank you for attending and supporting Miracle Fest on April 28!
THANK YOU for helping raise a net total of more than $80,000 to benefit Compassionate Care at Ministry Saint Joseph's Hospital. Please click here for a listing of generous sponsors, businesses and individuals.
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Foundation of Ministry Saint Joseph's Hospital
611 Saint Joseph Ave
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Ministry Health Care


text: OverviewBack to top Coombs Family Farms - Organic Maple Syrup Grade A Dark Amber - 32 oz. Item# :131460UPC# :710282329323 Brand:Coombs Family Farms Size/Form:32 oz. Ship Weight:3 Servings:16 Dosage:4 Tablespoon(s) Coombs Family Farms - Organic Maple Syrup Grade A Dark Amber - 32 oz (946 ml) Coombs Family Farms Organic Maple Syrup Grade A Dark Amber is the choice for those interested in great tasting organically harvested maple syrup. Coombs Family Farms Maple Syrup Grade A Dark Amber has robust maple flavor that is great to use on pancakes, waffles, oatmeal and other cereals. Coombs Family Farms Organic Maple Syrup is also great for cooking and can be used for glaxing salmon and other delights. For seven generations, Coombs Family Farms has been producing great tasting, 100% pure and organic maple syrup harvested sustainably from trees nurtured without the use of pesticides. All of their maple products are naturally gluten free and made without artificial flavors, preservatives or thickeners. The superior quality and rich, sweet flavor of pure organic maple is uterly unique - and entirely delicious. No artificial flavors, preservatives or dyes Winner of the National Certificate of Distinction for Taste Award from the American Tasting Institute Certified Kosher; certified Organic by QAI US Grade A dark amber What Makes A Maple Syrup Organic?The fact is that some non-organic maple producers have used pesticides or are located near properties that do. Historically some have used defoaming agents, and other potentially harmful chemicals that can contaminate trees, soil, and groundwater - not to mention the maple that you eat. All Coombs Family Farms organic maple is certified by the Quality Assurance International (QAI), and carries the USDA organic seal. This ensures that when you choose Coombs Family Farms organic maple, the maple you pour on your pancakes or use in your favorite recipes is free of any pesticides and chemicals. The meaning of organic maple goes deeper than that, however. Being certified organic means that our maple was harvested with more in mind than immediate, short-term gain. While pesticides and chemicals may make farming easier, organic maple production is better for the forest, better for the environment, and better for consumers. By choosing to farm organically and not use artificial pesticides, Coombs Family Farms is doing their part to protect the environment and nurture the forests, so they can continue maple sugaring for generations to come. How Is Maple Syrup Graded?All maple syrup grades are determined by color. There are five USDA maple grades, including three Grade A's (light amber maple, medium amber maple, dark amber maple) and two darker syrups, Grade B maple and a commercial maple grade. Not unlike wine, all have distinct flavors and tones. Contrary to popular belief, maple syrup grades do not indicate a difference in quality or purity. When buying maple, choose the right grade for what you intend to use it for - and pair it with. As a rule, the darker the color, the stronger the pure maple flavor. Grade A Light Amber - A very delicate maple flavor Grade A Medium Amber - A stronger, yet mild maple flavor Grade A Dark Amber - Robust maple flavor, great for cooking, grilling, and on oatmeal, pancakes, waffles, glazes, etc Grade B - The heartiest maple grade, and a perfect 'secret ingredient' for adding deep, dark flavor tones and subtle sweetness to your favorite gourmet recipes. Maple Syrup Grades in the United States and CanadaDesignation based on the percent of light transmittance Non Genetically Modified IngredientsAll of Coombs Family Farms pure maple syrup is made from 100% pure maple sap extracted from wild, natural maple trees - 40 years old and older. These trees are wild maple trees and not cultivated trees. The trees have not been genetically modified. Since no other ingredients are added to the product, their products do not contain any genetically modified ingredients. The Craft of SugaringCold, clear nights. Warm morning sun melting the snow on the ground. The first songs of birds, returning from their winter migrations. These are the sights and sounds that quicken the pulse in the sugar maker, because these are the signs that the maple sap is beginning to run. For the most part, the craft of maple syrup production in New England has been a family affair, and dates back to the very early 1600s. Native Americans used maple syrup and sugar for food and trade and passed on their sugar making skills to early settlers. Time To TapIn order to produce the best maple syrup, Coombs Family Farms watches for signs to know when it is time to tap our maple trees. While the typical Vermont sugaring season begins in March and lasts from four to six weeks, there is no set time to tap maples. First and foremost, the maple farmer must be aware of the weather. The length of the winter, the amount of snowfall, and the temperature are just some of the variables that influence when the sap begins to run – and how long the run will last. To know when it's time, you must watch for the signs. When freezing winter days give way to the milder daytime temperatures and melting snows of spring, the sap begins to run. The best conditions for sap to begin to run are freezing nights followed by warming sunny days. After a few consecutive days and nights of these 'cold to warm' temperature swings, you're ready to harvest. The annual run is over when the freezing nights end and the trees begin to bud. Sap's Running!Maple farmers typically tap their trees before the sap begins to run. Drill your hole about three inches deep, two feet up from the ground on the side of the tree trunk that receives the longest exposure to sun – generally the south-facing side. Typically, the sap is a clear, slightly sweet liquid containing about 1-4% sugar. It will take 40 gallons of sap to produce one gallon of maple syrup. To produce the finest quality maple syrup, the sap should be evaporated as soon as possible. As the water is boiled off, the liquid becomes sweeter and more concentrated, and begins to move towards the front of the pan. This is when the boiling sap turns golden. When it reaches 70 degrees F above water's boiling point, it has become maple syrup. What was 98% water and 2% sugar is now 33% water and 67% sugar. The sweet-smelling steam is a sure sign that the sugar-making season is in full swing – and that you're ready to eat! How To Tap A Maple TreeTo tap a maple tree, you'll need a spout, a hammer, a bucket, and a drill. Then find a sugar maple. The sap in a sugar maple comes up from the ground, and is carried from the roots up to the branches. The roots of the tree store starch over the winter, and this starch gets converted into sugars, which are the food for the tree, and fuel the growth of leaves in the spring. Each tree produces hundreds of gallons of sap in the spring, and so taking ten or so gallons over the course of a month or so does not harm the tree in any way. Choose a spot on the south side of the tree where the sun falls on the trunk, and look for a big root. The larger the root, the more sap will be running up the tree. Drill a hole at about waste height, going inside the tree about an inch and a half. Make sure to angle the hole slightly uphill into the tree so the sap runs down into the bucket. As soon as you drill your hole, you'll see some sap beginning to run. Take a metal spout, and tap it into the hole with a hammer. Hang a bucket on the hook, and slide the cover on. Collect a little bit, boil it down, and you'll enjoy fresh maple syrup with your pancakes! Tools Of The TradeWhile maple is the same as it has always been, over the last seven generations the ways Coombs Family Farms gathers and produces it has changed. The days of slogging through the sugarbush with a team of horses to collect sap from hundreds of individual buckets are no more. Here are some of the tools and technologies that help make collecting and processing sap more efficient and more environmentally sustainable, so that our small farms can remain productive and our forests can thrive. Health SpoutsWhen it comes to caring for the trees, the little things count! "Health spouts" are smaller than traditional spouts in diameter and make a smaller hole, so the tree heals more quickly. While they also reduce sap flow, Coombs Family Farms thinks doing what they can to preserve the health of their trees trumps any desire for a faster 'sap run.' Vacuum TubesBy using vacuum tubing instead of traditional buckets, small farmers are able to tap more trees with less effort, reduce overhead, and continue farming the land while minimizing impact on fragile root systems from roads and trails. Torests are healthier, and rural farming communities are able to thrive. VacuumA small vacuum pulls sap from the spouts into and through the tubing, increasing yield and reducing energy consumption. Holding TankSap is stored in a holding tank until it is evaporated and converted into pure maple syrup and sugar. To ensure the highest quality maple, it is important to evaporate the sap as quickly as possible after collection. Reverse OsmosisFor many years, Coombs Family Farms has worked hard to save energy, reduce their carbon emissions, and take care of the environment. In fact, Coombs Family Farms has reduced their carbon footprint by 75% by being the first to use reverse osmosis in the maple industry. Reverse osmosis uses agitation to separate sap from water, drastically reducing the amount of energy required. Coombs Commitment They use 100% pure maple syrup with no artificial flavors, preservatives or dyes They never over-tap trees They support the use of "health spouts" for tree-friendly tapping They never use pesticides in their tree farm Their grading standards are never comprimised for short-term gain About Coombs Family FarmsSince the mid-1800's, the Coombs family have been acting as responsible stewards of the forest, following a 'sustainable' approach to agriculture long before anyone had a specific name for it - or could conceive of any other way to farm. As part of a fabric of nearly 8000 maple farmers who are all preserving maple forests and keeping land free from sprawl, Coombs Family Farms is doing more than making maple. They are helping to preserve crucial habitat for thousands of distinct plants and animals that need large intact tracts of forest to survive. More than three hundred years after their family started sugaring, seventh generation maple farmer Arnold Coombs and Coombs Family Farms are still going strong.


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Its wednesday..we all know what that means right, show off those asses Ladies!
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Logo Design
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- Detalhes
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Avaliado por: Michael N , Outubro 2012
Fun, fun,fun!!!!!! Expect a workout, but one you will definitely enjoy. The guides were great and the zipping and tree walking was a blast
Avaliado por: Steven B , USA, Janeiro 2014
The zip lines are not tremendously long, but are definitely entertaining - especially for those that have never zipped before. The other obstacles (bridges, ropes, etc) make for an enjoyable time.


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The studies proposed within the SeaPIP are complex and multidisciplinary, and they involve multiple investigators and sites, cohorts of human participants and clinical and investigational assays. Critically, they also involve state-of-the-art investigations to facilitate additional understanding of primary HIV-1 infection and to provide important information needed to advance concepts and methods for ultimately blocking the establishment of HIV-1 infection and disease progression. Logistical support, coordination, and synergism between such complex studies are crucial to the success of the overall research program. Hence, a significant amount of time and effort of Dr. Muliins and his team, assisted by Dr. Collier and working with collaborating investigators and staff in other Projects and Cores, will be devoted to this endeavor. In addition to standard administrative and fiscal management functions, this core will be responsible for bringing together talented scientists and clinicians from diverse disciplines in order to develop multifaceted and uniquely synergistic studies with continual focus on aspects of primary HIV infection most critical to disease management and vaccine development. This core will also be responsible for the development of a database to coordinate laboratory data acquisition and management (Aim 3), interfacing strongly with Clinical Core B and Biostatistics Core D. Design and application of the database and analytical tools will be driven through interaction with all SeaPIP investigators and tailored to their specific data acquisition, retrieval and analysis needs. Hence, this aspect of the core will also interact closely and continuously with each of the other projects and cores to acquire, access and analyze data. To further enhance investigator synergy, a summary-reporting feature will be built into the database to prompt interested investigators to access detailed progress within each Project and Core and prompt ideas for new or expanded investigations.
|Stekler, Joanne D; McKernan, Jennifer; Milne, Ross et al. (2015) Lack of resistance to integrase inhibitors among antiretroviral-naive subjects with primary HIV-1 infection, 2007-2013. Antivir Ther 20:77-80
|Liu, Yi; Rao, Ushnal; McClure, Jan et al. (2014) Impact of mutations in highly conserved amino acids of the HIV-1 Gag-p24 and Env-gp120 proteins on viral replication in different genetic backgrounds. PLoS One 9:e94240
|Kulkarni, Viraj; Valentin, Antonio; Rosati, Margherita et al. (2014) Altered response hierarchy and increased T-cell breadth upon HIV-1 conserved element DNA vaccination in macaques. PLoS One 9:e86254
|Sunshine, Justine; Kim, Moon; Carlson, Jonathan M et al. (2014) Increased sequence coverage through combined targeting of variant and conserved epitopes correlates with control of HIV replication. J Virol 88:1354-65
|Kahle, Erin; Campbell, Mary; Lingappa, Jairam et al. (2014) HIV-1 subtype C is not associated with higher risk of heterosexual HIV-1 transmission: a multinational study among HIV-1 serodiscordant couples. AIDS 28:235-43
|Melhem, Nada M; Smith, Kellie N; Huang, Xiao-Li et al. (2014) The impact of viral evolution and frequency of variant epitopes on primary and memory human immunodeficiency virus type 1-specific CD8? T cell responses. Virology 450-451:34-48
|Kulkarni, Viraj; Valentin, Antonio; Rosati, Margherita et al. (2014) HIV-1 conserved elements p24CE DNA vaccine induces humoral immune responses with broad epitope recognition in macaques. PLoS One 9:e111085
|Grant, Igor; Franklin Jr, Donald R; Deutsch, Reena et al. (2014) Asymptomatic HIV-associated neurocognitive impairment increases risk for symptomatic decline. Neurology 82:2055-62
|Herbeck, Joshua T; Mittler, John E; Gottlieb, Geoffrey S et al. (2014) An HIV epidemic model based on viral load dynamics: value in assessing empirical trends in HIV virulence and community viral load. PLoS Comput Biol 10:e1003673
|Rolland, Morgane; Manocheewa, Siriphan; Swain, J Victor et al. (2013) HIV-1 conserved-element vaccines: relationship between sequence conservation and replicative capacity. J Virol 87:5461-7
Showing the most recent 10 out of 77 publications


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About Ozzie Kotani
In addition to being one of Hawaii's most renowned players of the ki ho`alu (a slack key guitar instrument), Ozzie Kotani is also a teacher, arranger, and composer. Born in 1956, Kotani was raised in Pauoa, a neighborhood of Honolulu, and discovered music when he picked up the ukulele while still in elementary school. It was during high school that Kotani's musical interest turned to the ki ho`alu, after he heard slack key guitar master Keola Beamer on the radio. During 1975, he began to seriously study the instrument at the University of Hawaii Continuing Education Program, and soonafter began studying with renowned player/teacher Sonny Chillingworth (Kotani eventually taught the instrument at the same school in 1986). In 1988, Kotani issued his all-instrumental debut album, Classical Slack, which mixed originals with Hawaiian standards, but it wasn't until 1995 that Kotani issued his sophomore effort, Kani Ki Ho Alu (which translated means "The Sound of Slack Key"), and began working on putting together an instructional book/cassette tape. Subsequently, Kotani has appeared on several compilation releases in the late '90s, including Ki Ho Alu Christmas, Hawaiian Slack Key Guitar Masters, Vol. 2, and Hawaiian Slack Key Christmas. ~ Greg Prato, Rovi


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With Instructables you can share what you make with the world, and tap into an ever-growing community of creative experts.
Stick out your tong to the grip or a cold !You need : - 32 cm x 38 cm fleece fabric,- 30 cm velcro brand,- 2 ellipses in ...
Cut your fabric (look at the pattern for the size - 2 cm seam allowance included).Cut off the four corners.Fold on the seam allowances and sew all around ...
Sew velcro bands on the right side of the fleece :- 7 cm scraping side on the top,- 14,5 cm soft side on the middle,- 8 cm scraping ...
Take off tissues from the box, put them onto the cover and close it by turning velcros inside.Make your nose smile !!
Easy And Simple Way to Keep Tissues Handyby MeganPeng
Pocket Tardis Tissue Holderby ChrysN
Diy Tissue Holder (or Phone Case)by momoluv
Join 2 million + to receive instant DIY inspiration in your inbox.
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This product has been discontinued by the manufacturer. You may be interested in: Calorie Control Weight Management Formula with CoffeeGenic 414 Grams
Products and statements made on this website have not been evaluated by the US Food and Drug Administration and are not intended to diagnosis, cure or prevent any disease. The information is provided for informational purposes only and is not intended to substitute or replace advice from your medical professional.


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Each month, Rated People connects over 50,000 homeowners with quality tradesmen - simply enter your job details in the form above to get started.
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Dr. Scholl's Raven Athletic Shoes
49.98 -1- -2- -3- -4- -5- no -6- F -7- yes
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Be ready for any activity with the Persue walking shoes from Dr.Scholl's. This lightweight active shoe is rugged and functional, making for easy transitions from the trail to the sidewalk.
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Stock #085161 -
If you are in the market for a bowrider, look no further than this 2005 Crownline 236 LS, priced right at $31,200.
This boat is located in Springfield, Virginia and is in great condition. She is also equipped with a Mercruiser engine that has only 180 hours.
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Make Your Own Basketball Nets, Guitar Straps, Sports Bags and More
By (author) Judy Ann Sadler
Illustrated by Cileste Gagnon
Format: Paperback / softback
Normal Price: $9.99
Your Price: $8.99 AUD, inc. GST
Shipping: $7.95 per order
You Save: $1.00! (10% off normal price)
Plus...earn $0.45 in Boomerang Bucks
Availability: Available to Backorder, No Due Date for Supply
Knotting by Judy Ann Sadler
Book DescriptionKnotting is a traditional art that's fun to learn. This book in the Kids Can Do It series shows kids how to make both simple and intricate knots with rope, cord or twine. Then they can find out how to use these knots to make amazing stuff. Soon they'll have knotting all tied up!
Buy Knotting book by Judy Ann Sadler from Australia's Online Bookstore, Boomerang Books.
Book DetailsISBN: 9781553378341
(252mm x 195mm x 4mm)
Imprint: Kids Can Press
Publish Date: 1-Jan-1995
Country of Publication: United Kingdom
Other Editions...
Books By Author Judy Ann Sadler
Quick Knits, Paperback / softback (October 2006)
In this book in the Kids Can Do It series, easy knitting projects are so fast you'll want to make several of each!
Simply Sewing, Paperback / softback (August 2004)
In this book in the Kids Can Do It series, kids can learn to sew and make fun and useful projects.
Hemp Jewelry, Paperback / softback (September 2000)» View all books by Judy Ann Sadler
In this book in the Kids Can Do It series, kids can create funky hemp jewelry.
» Have you read this book? We'd like to know what you think about it - write a review about Knotting book by Judy Ann Sadler and you'll earn 50c in Boomerang Bucks loyalty dollars (you must be a member - it's free to sign up!)
Author Biography - Judy Ann Sadler
Judy Ann Sadler is the best-selling author of over 20 craft books for children including Corking, Knitting, Simply Sewing, Hemp Jewelry and The Kids Can Press Jumbo Book of Easy Crafts. She still looks forward to making stuff every day. Judy Ann lives with her family in London, Ontario.
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Rail transport
Planning and processing from a single source
DB Cargo BTT GmbH combines rail transport solutions and rail forwarding services and in this way puts together individual complete packages for you.
We coordinate all order processing and dispatch your orders using our own rail tank cars or yours.
We offer the full range of services from a single source: from developing an optimized operational concept and sourcing to processing orders for empty and loaded cars using our forwarding software to monthly billing.
We dispatch the vehicle fleet Europe- and nation-wide for you and have consignment notes created for your transports. In this way, we relieve you of daily dispatching tasks and coordinating with shippers and consignees. On request we can monitor all transports for you, organize maintenance and repair management for your RTCs and advise you on optimizing your fleet.
For more information, contact the contact person for your industry.
Last modified: 05.04.2016


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Hacienda Pinsaqui
No prices found through our partners. Please contact the business directly or check some of our recommended alternatives.
How has this hotel rated in the past?
- Suites
- Restaurant
- Business Services
- Free parking
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- Restaurant
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TravelPod Member ReviewsHacienda Pinsaqui Otavalo
We spent 2 nights at this Hacineda. We were in one of the newer out buidlings and the rooms were very large and historic feeling. The grounds are beautiful and the staff was amazing.
This review is the subjective opinion of a TravelPod member and not of TravelPod.com.
TripAdvisor Reviews Hacienda Pinsaqui Otavalo
Travel Blogs from Otavalo
Exploring Quito
... church's tower was he tallest in the city but it was destroyed by two earthquakes. We then walked a few blocks to the San Fransisco church. The interior was partly under renovation but it was another stunning religious building. San Francisco church is said to be the first religious building constructed in South America by the Spanish in 1553. The church contains a lot of art but probably the most famous is La Virgen de Quito by Legarda which depicts the ...
Go go Galapagos but AVION DEMORA
... incredible. I am here!!!
We Land on Isla Baltra and the airport is the most green with solar power, reusing water, ventilation and more. Very impressive.
EF Tour Guides were waiting for us and we loaded a bus to go to the ferry.
It feels like we have gone back in time. The island is teaming with frigate birds, pelicans, red boobies, a sea lion ... All in the first 10 minutes!
Zambo is one of our naturalist guides. He was born on ...
Capital City highlights
... and the water test . Traffic is bad today - everyone is being detoured due to a massive landslide east of the city ... Stopping at La Florida Museo - an excavation found when a house was being built - native burial site and artefacts - when a chief died his wife was drugged and put in the crypt with him - buried alive :(. We were told they don't do this anymore!!!!?!? We drove around the old part of the city and pulled up in front of a small building - going inside ...
Domingo in quito
Long night. Boy do those Ecuadorians like to party! There is a bar pretty close to the home I'm staying at. Parties started at 1am. Up at 5:30am to walk the 20 minutes to the school to get back on the bus to visit a pre-Incan tribe. There are about 90 families left of this tribe. Apparently they are being studied as they are fairly inbred but show no genetic disorders. Their diet is plant based and medicines are from the Amazon jungle. More to come on this. Along the very ...
Long time no Blog, Im good to go again
... cook, kick the soccer ball back and forth with 4 year old Ja Beez while lunch is cooking. (the kitchen is on the ground floor next to the orchids, the parrots and a courtyard where we can boot the ball back and forth. He comes up to me chattering away in Spanish eyes shining and I can't understand a word he is saying. No comprende espanole. So we kick the ball. He is the child of one of the workers here at the hostel. ...


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Ehle Bong Bubble - 500 ml - 14.5 Sandblasted 5mm
Temporarily out of stock
Unit price
106.95 € *
apx. £90.38
incl. 19% VAT
from 7 €
Discount Details
starting at 80.88 €
|Unit price
|starting at: 4 unit(s)
|80.88 € per unit
|ca. 24%
|starting at: 3 unit(s)
|83.13 € per unit
|ca. 22%
|starting at: 2 unit(s)
|85.38 € per unit
|ca. 20%
- Availability
- Item number
- 03558
- Payment
- not by cash on delivery
- Group:
- Bongs
- Material:
- Glass
- Colour:
- Clear0,50
- Brand:
- Ehle
- Shape:
- Bowl, Straight
- Size:
- 37 cm
- Joint size:
- 14,5 mm
Ehle Bongs are water pipes that are affordable and promise the highest level of smoking pleasure. Aesthetics and smoking pleasure are the hallmark of this water pipe.
Outstanding properties of the pipes are the processing, the smoke performance and the repair service.
The 500 ml bongs are the Ehles classics. The extra thick wall thickness of 5mm is the special feature of this Bong with bubble. Thus, this water pipe is particularly stable.
- Ehle Bong Bubble - 500 ml - 14.5 Sandblasted 5mm
- Ehle Bong with 14.5mm joint size
- Height approx. 37 cm
- 500 ml volume
- sandblasted Logo
- round base
- bowl and downpipe included
- 5mm thick walls
- Ehle Bongs are repairable
The continuous wall thickness also at the downpipe is accented as an specific property of the Ehle Bongs.
The downpipe is made separately by Ehle. Thereby the downpipe has also the same wall thickness as the rest of the bong. Other manufacturers extract the downpipe from the bong. This reduces the wall thickness and produces a breaking point.
Furthermore it should be pointed on the accurate fit of Ehle.
All Ehle downpipes are made by Schott, which means highest quality and all parts fit exactly. It is advisable to buy only original parts. Low priced downpipes may not fit exactly.
The repair service for Ehle Bongs is excellent. All Ehle waterpipes can repeatedly be repaired. It does not cost much and concerves your water pipe for eternity.
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Season 3
Much of Season 3 is dedicated to the fact that Dean has traded his soul with a crossroads demon to save Sam from being killed by Jake. They continue to fight the demons that escaped from hell in the last season, whilst being constantly upended by a professional thief, Bela Talbot, who steals the Colt, as well as Sam being followed by the mysterious demon Ruby.
Season 3 premiered on the 4th October 2007 and was concluded on the 22nd May 2008. The third season was caught in the crossfire of a strike by the Writers Guild of America outfits, who were complaining about not being compensated enough for their work compared to the huge profits of the larger studios. This resulted in the the number of episodes being cut from the standard 22 to just 16.
Top Wiki Contributors
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Bobby Singer | Lazarus Rising | Lilith | Crossroads Demon | Ruby | Bela Talbot | Ellen Harvelle | Ruby's Knife


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Sotomayor talks to kids about her diabetes
Although her diabetes has been no secret, U. S. Supreme Court Justice Sonia Sotomayor has not talked about it publicly.
But USA Today reports that she talked about it Tuesday with 150 children in an event sponsored by the Juvenile Diabetes Research Foundation in Washington, D.C.
She told the children that her parents suspected something was wrong when was 7 because she was always thirsty, began wetting the bed and fainted in church.
When she went to the hospital for tests and a technician pulled out a needle to draw blood, she got so scared that she ran out of the room, out of the hospital and hid under a parked car, the story says.
She had to be brought back by hospital staff "kicking and screaming."
When the tests were completed, she was diagnosed with type 1 diabetes.
The first Hispanic to serve on the high court went on to tell the children about how she learned to live with and manage diabetes.
And she told the children that they can become anything they want to be. ". .. Do the things you like to do and do them well," she said.
- Moving on
- Viewing President Obama's announcement
- Centro Hispano Thanksgiving food drive
- Rodriguez named first Hidalgo Latino Veteran of the Year
- Latino veterans honored by new group
- Afro-Cuban filmmaker Gloria Rolando to visit Milwaukee
- Latino groups to monitor election
- Celebrating the Day of the Dead grows
- La Casa's Villarreal to receive leadership award
- SOC "Meet the People" convention tonight


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North Scottsdale Loan and Guns
Pawn Shop, Gun Shop
North Scottsdale Loan and Guns is now taking guns! Proudly offering services such as: Pawn Guns, Buying Guns, Selling Guns, and offering Pawn Loans on Guns at our North Scottsdale Pawn Shop.
Pawn Guns in Scottsdale – New, Used, Secondhand
If you need cash, you can have it in your pockets in mere minutes by Pawning your Gun. Whether your gun is a new, used, or secondhand gun, we can give you the cash that you need in Scottsdale, Tempe, or Phoenix, within five minutes. We proudly employ gun experts, and our current in-house expert is a proud American veteran with decades of experience with guns.
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The leading gun store in North Scottsdale of new, used, and secondhand guns, we're the pawn shop to visit if you're in the market to Buy Guns. Proudly building our inventory, our in-house gun expert services, cleans, and ensures all of our guns are in perfect working order.
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North Scottsdale Loan and Guns will proudly Pawn Guns, Buy Guns, Sell Guns, new or used, whether you're in Scottsdale, Tempe, or Phoenix.
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Corneal blindness affects millions of individuals world-wide and usually can only be treated by transplantation of donated tissue. In many regions of the world donor tissue is not available;in the US, the supply of corneas for transplant is threatened by increasing numbers of eyes with refractive surgeries. The long-term goal of this project is to address corneal blindness by developing therapies based on stem cells. This project has already identified and characterized adult human corneal stromal stem cells (CSSC), which can be expanded in culture while retaining the ability to adopt a keratocyte phenotype and to elaborate abundant stroma-like connective tissue. When CSSC were cultured on a scaffolding of aligned paralel nanofibers of poly(ester urethane)urea (PEUU), a biodegradable polymer, they secreted connective tissue with aligned collagen similar to that of normal corneal stroma. When CSSC were injected into stromas of lumican knockout mice, collagen in the stroma became more organized and corneal transparency was increased. Importantly, human CSSC exhibited an immune privilege in mice, remaining viable for months without immune rejection. The new proposal will test specific hypotheses emanating directly from these exciting findings.
Aim 1 documents the process of tissue regeneration by CSSC by testing the predictions that (a) CSSC first remove existing tissue by temporally regulated expression of a specific group of matrix metalloproteinases;(b) after this removal process, CSSC rebuild stromal tissue by deposition of new connective tissue;and (c) this regeneration process can remodel scar tissue similar to that causing most human corneal blindness.
Aim 2 combines CSSC with PEUU scaffolding to produce a novel bioengineered tissue and tests the predictions that (a) CSSC monolayers on PEUU nanofiber scaffolding can integrate and function as transparent stromal tissue in mouse corneal transplants;(b) CSSC can be incorporated into multilayered PEUU scaffolding with the thickness and strength of a corneal stroma;and (c) the multilayered constructs can functionally replace stroma after transplantation into rabbit corneas using deep anterior lamellar keratoplasty. The scientific impact of this study will be a demonstration of effectiveness of two novel stem-cell based therapeutic approaches for corneal scarring, indicating a readiness for translation of each to clinical trials.
Corneal blindness is a health problem world-wide. For many individuals with this condition there is no option for restoration of vision. This project will use adult human stem cells to develop therapy for corneal scarring, a major source of blindness. These stem cells can be produced in large numbers, are safe, and do cause tissue rejection. Successful development of these therapies may open new opportunity to restore vision to large numbers of people.
|Karamichos, Dimitrios; Funderburgh, Martha L; Hutcheon, Audrey E K et al. (2014) A role for topographic cues in the organization of collagenous matrix by corneal fibroblasts and stem cells. PLoS One 9:e86260
|Wu, Jian; Rnjak-Kovacina, Jelena; Du, Yiqin et al. (2014) Corneal stromal bioequivalents secreted on patterned silk substrates. Biomaterials 35:3744-55
|Wu, Jian; Du, Yiqin; Mann, Mary M et al. (2014) Corneal stromal stem cells versus corneal fibroblasts in generating structurally appropriate corneal stromal tissue. Exp Eye Res 120:71-81
|Wu, Jian; Du, Yiqin; Mann, Mary M et al. (2013) Bioengineering organized, multilamellar human corneal stromal tissue by growth factor supplementation on highly aligned synthetic substrates. Tissue Eng Part A 19:2063-75
|Chan, Audrey A; Hertsenberg, Andrew J; Funderburgh, Martha L et al. (2013) Differentiation of human embryonic stem cells into cells with corneal keratocyte phenotype. PLoS One 8:e56831
|Du, Yiqin; Yun, Hongmin; Yang, Enzhi et al. (2013) Stem cells from trabecular meshwork home to TM tissue in vivo. Invest Ophthalmol Vis Sci 54:1450-9
|Roh, Danny S; Du, Yiqin; Gabriele, Michelle L et al. (2013) Age-related dystrophic changes in corneal endothelium from DNA repair-deficient mice. Aging Cell 12:1122-31
|Fujita, Minoru; Mehra, Ruhina; Lee, Seung Eun et al. (2013) Comparison of proliferative capacity of genetically-engineered pig and human corneal endothelial cells. Ophthalmic Res 49:127-38
|Boote, Craig; Du, Yiqin; Morgan, Sian et al. (2012) Quantitative assessment of ultrastructure and light scatter in mouse corneal debridement wounds. Invest Ophthalmol Vis Sci 53:2786-95
|Wu, Jian; Du, Yiqin; Watkins, Simon C et al. (2012) The engineering of organized human corneal tissue through the spatial guidance of corneal stromal stem cells. Biomaterials 33:1343-52
Showing the most recent 10 out of 19 publications


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|« Date » · « Thread »
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|"Thomas Mueller (JIRA)" <j...@apache.org>
|[jira] Updated: (JCR-634) Log / trace wrapper for the JCR API
|Fri, 10 Nov 2006 16:51:38 GMT
[ http://issues.apache.org/jira/browse/JCR-634?page=all ] Thomas Mueller updated JCR-634: ------------------------------- Attachment: jcrlog.zip The source code > Log / trace wrapper for the JCR API > ----------------------------------- > > Key: JCR-634 > URL: http://issues.apache.org/jira/browse/JCR-634 > Project: Jackrabbit > Issue Type: New Feature > Reporter: Thomas Mueller > Attachments: jcrlog.zip > > > I have implemented the log / trace mechanism for the JCR API. A short summary: > - A wrapper for a Repository. All other objects that where created directly or indirectly (Session, Node and so on) are wrapped as well. > - The wrappers log all JCR method calls to a file and call the underlying methods. > - Return values and calling method / line number can be logged as well (optional). > - The log file itself is mainly Java source code and can be compiled and run. > - Included is a player to re-play log files (for example, if the log file is too big to be compiled). -- This message is automatically generated by JIRA. - If you think it was sent incorrectly contact one of the administrators: http://issues.apache.org/jira/secure/Administrators.jspa - For more information on JIRA, see: http://www.atlassian.com/software/jira
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Lot 100: YELLOW GROUND FINE PORCELAIN WATER JAR
Fine Asian Antiques Fall Auction Day 2
by William's Auctions, LLC
30 October 2016
Flushing, NY, USALive Auction
Past Lot
Looking for the realised and estimated price?
Description: Possible Qing Dynasty Qian Long Period, ,High:8.0 in-WidtHigh: 5.5 in
Condition Report: In Good Condition
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