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What is COBRA?
COBRA stands for the Consolidated Omnibus Budget Reconciliation Act. It gives employees the right to pay premiums for and keep the group health insurance that they would otherwise lose after they:
- Reduce their work hours
- Quit their jobs
- Lose their jobs
Most people can keep the insurance for up to 18 months. Some people may be able to keep it a few months longer.
COBRA also lets family members choose to keep health insurance after a job loss or other qualifying event would normally cause them to lose the coverage they have through your employer. (See the section called "What is a qualifying event under COBRA?" for more on this.)
COBRA applies to nearly all employers with 20 or more employees. A few states require even smaller employers to offer COBRA. See the "To learn more" section to find the National Association of Insurance Commissioners, where you can get contact information for your state insurance commissioner's office.
Before COBRA, when employees left their companies, they and any covered family members lost their health insurance right away. COBRA allows an employee to buy health insurance through the employer even though the person no longer works there or no longer works full time.
The Affordable Care Act changes coverage
Before the new health care law known as the Affordable Care Act (ACA) became law, people with a pre-existing condition (an existing health problem) such as cancer could be charged more or even denied coverage when they tried to buy health insurance on their own. As a result, COBRA was often the only health coverage option available to cancer patients and survivors who made job changes.
The ACA made major changes to health insurance in the US. The ACA can make health insurance more affordable for people with cancer. It's also intended to make sure that most insurance plans cover the health care that cancer patients and survivors might need.
The state insurance marketplaces created by the ACA offer more health insurance options to people who don't have access through their employers. It can also help those who leave their jobs and lose their employer's group insurance. And for some people, buying insurance through their state's marketplace may cost less than paying for COBRA coverage.
COBRA vs. individual insurance through your state's marketplace
For some people, COBRA can still be a good plan. But if you lose your group coverage because you lost or quit your job, compare your COBRA group plan benefits and costs to the individual health plans you can buy on your state's marketplace. Keep in mind that if you've lost your job, your lower income may qualify you for financial help buying a plan on the marketplace. You'll also have a special enrollment period for buying a marketplace plan.
Before you choose COBRA, be sure that you're OK with the plan and its cost, at least until your state's next open enrollment period. (Open enrollment is the time when you can make changes in your coverage without penalties.) For more on this, see the section "Can I stop or skip COBRA and buy a marketplace plan?"
How long does the COBRA coverage last?
The length of time you can keep COBRA coverage depends on your qualifying event (see the next section). If your major medical coverage ends because your employment ends (other than for gross misconduct), or because your hours are reduced, you and your qualified dependents can keep coverage under the employer's health insurance for up to 18 months by paying for the full cost of the coverage.
Note that a few states require employers to offer COBRA coverage for a longer time than federal laws do. Again, your state insurance commissioner's office can tell you more about this.
For people with disabilities
Certain people with disabilities may qualify for an extra 11 months of COBRA coverage. (This makes a total of 29 months of coverage – the original 18 months plus the 11-month extension.) But the plan can charge an increased premium of up to 150% of the cost of coverage during the 11-month disability extension.
To qualify for the disability extension, you must:
- Get a formal disability determination from the Social Security Administration (SSA) that shows you were disabled at the time (or within 60 days) of your COBRA qualifying event.
- Have the disability during the first 18 months of coverage.
This means that you must apply for disability through the SSA and wait for their decision about whether you are truly disabled. After getting the SSA decision, you must send a copy of the letter to the health plan administrator within 60 days of receiving the letter and before the 18 months of coverage ends.
Later on, if Social Security determines you are no longer disabled and you are not employed, COBRA coverage may be discontinued in the month that begins more than 30 days after Social Security's decision. You must notify the health plan administrator of the final decision from Social Security within 30 days.
For dependents
Dependents who lose job-based coverage due to a change in the family (such as divorce or other qualifying event) can still get COBRA coverage for up to 36 months. (See the section, "What is a qualifying event under COBRA?") People with COBRA coverage have the same health benefits and rights as active employees. For instance, they can change plan options during open enrollment periods and parents can add newborns and newly adopted children to their COBRA policies.
What is a "qualifying event" under COBRA?
A qualifying event causes employees or their dependents to lose their group health coverage but lets them qualify for COBRA coverage.
Qualifying events for the employee
Qualifying events for the employee include loss of health insurance because of:
- Termination of employment (The employee quits, is laid off, or fired for anything other than gross misconduct.)
- Reduced work hours (for reasons other than gross misconduct)
Qualifying events for the spouse or dependents of the employee
Qualifying events for the spouse or dependents of the employee who had been covered on the employee's health plan include:
- The insured employee's death
- Divorce or legal separation from the insured employee
- Loss of dependent status (as defined by the insurance plan's rules)
- Employee becomes eligible for Medicare and the employer takes him or her off the health insurance plan
- Any event in the list above that causes the employee to lose health coverage
The employee's qualified spouse or children may enroll in COBRA even if the employee does not.
What is a "qualifying event notice" under COBRA?
Before a group health plan must offer COBRA coverage, the group health plan administrator must be told about the qualifying event. The employer has 30 days after the event and must notify the plan if the qualifying event is any of these:
- Employee job loss
- Reduced hours of the employee
- Employee death
- The employee becomes eligible for Medicare
- Employer files for Chapter 11 bankruptcy
The employee or dependent must notify the group health plan administrator within 60 days of these family changes:
- Divorce
- Legal separation
- Child's loss of dependent status
How to go about doing this should be outlined in the summary of plan description (SPD) you get from your employer when you enroll in a health plan. If your employer doesn't have a procedure for notifying the health plan, you can give notice by contacting the person or department that handles your employee benefits.
What is an "election notice?"
Within 14 days of getting the qualifying event notice (above), the employer or health plan administrator must give the person who's about to lose health insurance written notice of his or her COBRA rights. This written notice is called the election notice. It should contain all of the information you'll need to understand COBRA coverage so that you can make an informed decision about whether to continue coverage. It should also give you the name of the person who handles COBRA for the health plan (the COBRA administrator) and tell you how to get more information.
What do I do once I get the COBRA election notice?
The employee or qualified dependents have 60 days after they get the election notice to choose health insurance coverage for themselves under COBRA. The employee or dependent must notify the COBRA administrator listed on their COBRA election notice in writing if they wish to keep their health insurance. The COBRA administrator is the person who keeps up with COBRA benefits for the employer.
How long do I have before I must pay the first COBRA premium?
You have 45 days from the date you chose to continue health insurance coverage with COBRA to pay the first premium bill. That payment generally must cover the period of coverage from the date COBRA was chosen all the way back to the date of the loss of coverage due to the qualifying event.
Note: Neither the health plan administrator nor the employer is required to send you monthly premium notices or "bills," so it's up to you to pay attention to due dates.
How much does COBRA cost?
The premium for COBRA coverage equals the full cost of your group health coverage – including the employer and employee share – plus up to 2% more for administrative costs. This is usually much more than you paid when you worked for the company, since the company then probably paid for part of the premium. Some employers may give you the option of dropping out of "non-traditional" insurance plans, such as dental and vision coverage, in order to reduce costs.
If you've already had the 18-month standard COBRA coverage and have started on the 11-month disability extension, the premium may be much higher. In this case, the employer may charge up to 150% of the actual insurance cost.
Starting January 1, 2014 state insurance marketplaces created by the new health care law (the ACA) will offer more insurance options that you may find more affordable than COBRA, Low- and middle-income families may also qualify for financial help to pay for health insurance bought in the insurance marketplace.
How long do I need to have a job in order to be covered under COBRA?
You are eligible for COBRA coverage if you were covered under the group health plan on the day before your qualifying event. This 1-day rule also applies to your spouse and dependents who were covered under the plan.
Under what conditions is COBRA discontinued?
COBRA coverage is discontinued in these cases:
- The covered person becomes covered under another group plan or becomes eligible for Medicare. If the new plan has a waiting period for pre-existing conditions, you may choose to have coverage under COBRA along with the new plan.
- The covered person does not pay the premiums for the continued coverage. (Premiums are the amount you must pay, or the amount you are billed.) There's a 30-day grace period to pay premiums, but your coverage may be put on hold for late payments. For example, if you do not pay by the first day of a period of coverage, the plan may cancel your coverage. But if you pay before the grace period ends, they'll reinstate coverage retroactively back to the date your COBRA coverage started. If you don't pay in full before the end of the grace period you could lose all COBRA rights.
- The employer stops providing a group health plan to all employees.
- The covered person does something (such as fraud) that would justify the plan stopping coverage of a similar participant who's under the group plan and not receiving COBRA coverage.
Note: The employer is required to notify the employee if COBRA is canceled early.
Can I stop or skip COBRA and buy a marketplace plan?
If you do not choose COBRA and never pay any of the premiums for it, the loss of group coverage triggers a special enrollment period on your state health insurance marketplace. This means you can enroll in a marketplace plan at that time, even if it's outside the normal "open enrollment" period in the marketplace. (Open enrollment is the time when you can enroll or make changes in your coverage without penalties.) You'll have 60 days as a special enrollment period. The fastest ways to get a plan on the state marketplace are:
- Find your state's marketplace website: visit www.healthcare.gov, click "enroll", and choose the state where you live
- the 24/7 marketplace helpline 1-800-318-2596
If you keep COBRA coverage until it runs out, you will again qualify for a special enrollment period in your state marketplace.
If COBRA coverage is started but then stopped at a time other than during the state marketplace open enrollment period, you'll have to wait until the next marketplace open enrollment period to apply for coverage. This means you will not have health insurance for a time. Once you've started COBRA, you can get a special enrollment only if coverage is exhausted or the employer stops providing a group plan to all employees.
If you choose COBRA, it's important to be aware of the risks of stopping it before it runs out. You'll want to coordinate the start of new coverage so you don't face a gap in coverage while getting treatment or follow-up care.
Is my dependent eligible for COBRA if his or her insurance coverage with my plan ends?
If coverage for your dependent(s) ends for the following reasons, their coverage may be continued for up to 36 months:
- death
- divorce or legal separation
- lose health insurance because you become eligible for Medicare
- dependent's change in status that makes them ineligible under your health insurance plan's rules (a young adult comes of age, gets married, etc.)
What about the person who has been covered under COBRA for 36 months and is almost but not quite 65?
Thirty-six months is the maximum amount of continuation coverage under COBRA. Employers may extend your continuation coverage for a longer period, but COBRA does not require it. A few states require the group health insurers they regulate to extend coverage until the age of Medicare eligibility. You also now have the option of buying insurance through your state insurance marketplace until you can get Medicare.
How can I find out more about COBRA?
Rising medical costs have made health insurance a household necessity for most people, especially those with major illnesses like cancer. The COBRA law gives people an option to keep workplace health insurance for a while longer if they can't get coverage through their spouse's job or the health insurance marketplace. Workers need to be aware of health care laws that allow them to find or keep the health insurance they can best afford.
A good place to learn more about COBRA is in your health insurance plan booklet or talk with the person who manages your plan. Most of the specific rules on COBRA benefits can be found in one of these resources.
For more information about COBRA, call the Employee Benefits Security Administration at 1-866-444-3272 or visit their website at www.dol.gov/ebsa. You can also find a detailed brochure called An Employee's Guide to Health Benefits Under COBRA, online at www.dol.gov/ebsa/pdf/cobraemployee.pdf.
If you have questions about your state's requirements about COBRA and health insurance, you can find your state's insurance department by contacting the National Association of Insurance Commissioners (see "To learn more").
To learn more
More information from your American Cancer Society
Here is more information you might find helpful. You also can order free copies of our documents from our toll-free number, 1-800-227-2345, or read them on our website, www.cancer.org.
More on health insurance, finances, and cost of care
Health Insurance and Financial Assistance for the Cancer Patient (also in Spanish)
The Health Insurance Marketplace (also in Spanish)
Prescription Drug Assistance Programs (also in Spanish)
How to Find a Financial Professional Sensitive to Cancer Issues: Financial Guidance for Cancer Survivors and Their Families
In Treatment: Financial Guidance for Cancer Survivors and Their Families (also in Spanish)
Off Treatment: Financial Guidance for Cancer Survivors and Their Families
Children Diagnosed With Cancer: Financial and Insurance Issues
Advanced Illness: Financial Guidance for Cancer Survivors and Their Families
Can I Be Prepared if Cancer Occurs?: Financial Guidance for Those With Concerns About Cancer
Legal requirements of health insurance plans
The Health Care Law: How It Can Help People With Cancer and Their Families (also in Spanish)
Women's Health and Cancer Rights Act (also in Spanish)
Job protections
Americans With Disabilities Act: Information for People Facing Cancer (also in Spanish)
Family and Medical Leave Act (FMLA) (also in Spanish)
What is HIPAA? (also in Spanish)
National organizations and websites*
Along with the American Cancer Society, other sources of information and support include:
Your rights at work
US Department of Labor, Employee Benefits, Security Administration (EBSA)
Toll-free number: 1-866-444-3272 (1-866-444-EBSA)
Website: www.dol.gov/ebsa
Information on employee benefit laws, including COBRA, FMLA, and HIPAA requirements of employer-based health coverage and self-insured health plans. Also has information on recent changes in health care laws. Benefits Advisors are available to help people with benefits problems.
Health insurance laws and information
State Health Care Marketplaces – US Department of Health and Human Services
Toll-free number: 1-800-318-2596 (also in Spanish)
Website: www.healthcare.gov
Provides information on the new insurance law, takes you through the steps of finding insurance, and much more. If you don't have internet access, the phone number will connect you with your state's marketplace.
US Department of Health and Human Services – healthcare.gov
Toll-free number: 1-877-696-6775
Website: www.healthcare.gov
Can help you find insurance coverage options and learn about the kinds of help you might be able to get
Centers for Medicare & Medicaid Services (CMS) – HHS
Toll-free number: 1-800-633-4227
Website: www.cms.hhs.gov
For more information on COBRA, as well as Medicare, Medicaid, and other government-funded programs. General information on Medicaid can be found at www.medicaid.gov
National Association of Insurance Commissioners (NAIC)
Toll-free number: 1-866-470-6242 (1-866-470-NAIC)
Website: www.naic.org
Has information about insurance and insurance companies and how to file a consumer complaint with state insurance departments. For state insurance department phone numbers, visit: www.naic.org/state_web_map.htm
Patient Services Incorporated (PSI)
Toll-free number: 1-800-366-7741 (ask to be connected to the Oncology Intake Department)
Website: www.uneedpsi.org
Offers financial aid to people with certain types of cancer. Also helps them find and buy health insurance.
No matter who you are, we can help. Contact us anytime, day or night, for information and support. Call us at 1-800-227-2345 or visit www.cancer.org.
US Department of Labor, Employee Benefits Security Administration. An Employee's Guide to Health Benefits Under COBRA. The Consolidated Omnibus Budget Reconciliation Act of 1986. September 2006. Accessed at www.dol.gov/ebsa/pdf/cobraemployee.pdf on September 16, 2013.
US Department of Labor, Employee Benefits Security Administration. Continuation of Health Coverage – COBRA. Accessed at www.dol.gov/dol/topic/health-plans/cobra.htm on September 16, 2013.
US Department of Labor, Employee Benefits Security Administration. FAQs For Employers About COBRA Continuation Health Coverage. Accessed at www.dol.gov/ebsa/faqs/faq_compliance_cobra.html on September 16, 2013.
Last Revised: 10/01/2015


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Weak employment data reported on March 5 will further delay any monetary tightening moves by the Federal Reserve. Financial markets had expected the Fed to raise its key short-term interest rate, the federal funds rate, from its current 46-year low of 1.00 percent to perhaps 1.25 percent during 2004's third quarter, with the expectation of another 0.25 percent rate increase in the year's final few months.
That view has now changed. Financial markets now expect perhaps one small tightening move late this year, with a solid chance of no Federal Reserve activity until next year.
Low interest rates have helped both the consumer sector and the business sector in recent years to reduce interest payments. However, millions of retirees have been hurt by low interest rate payments on savings and investments.
This era of low interest rates is likely to continue for some time. Business financing costs are an element of the Utah Small Business Index.
The Utah unemployment rate, the most heavily weighted component of the Small Business Index for Utah, was estimated at 5.0 percent in the latest month, down from the prior month's revised 5.3 percent rate. The 5.0 percent rate compared to a jobless rate of 6.0 percent during the same month one year ago. A lower Utah unemployment rate is a negative contributor to the Index as it implies decreased access to Utah labor.
Utah's unemployment rate averaged 5.6 percent in 2003, 6.1 percent in 2002, and 4.4 percent in 2001. By comparison, the 3.2 percent average during 2000 was one of the lowest annual rates since the early 1950s. These rates compare to an average Utah unemployment rate of 3.5 percent between 1995 and 1999.
Total Utah employment rose by an estimated 11,600 jobs (up 1.1 percent) over the past 12 months, the strongest gain since 2001. This rise compares to a revised gain of 6,300 jobs in the prior year-over-year period.These totals compare to gains averaging 38,300 new jobs annually during the 1994-2000 period. Stronger job gains, leading to greater income creation and rising retail spending, has a positive impact upon Utah's small businesses and therefore, the Index.
The Small Business Index for Utah declined to 105.3 during February 2004 from a revised 105.8 during January 2004, primarily led by stronger Utah job gains and more solid U.S. economic growth. The Index measures business conditions from the viewpoint of the Utah small business owner or manager.
A lower Index number is associated with less favorable business "conditions" for Utah's small businesses. The Index uses 100.0 for calendar year 1997 as its base year. The Index also includes revisions to various historical or forecast components as they become available, including more annualized data for 2003 and various component forecasts for 2004.
Nationally the U.S. Department of Labor reported the net gain of only 21,000 new jobs in February 2004, much less than the 125,000 rise expected on Wall Street. The prior month's reported gain of 112,000 jobs was revised lower to 97,000 jobs. While the U.S. economy has added 364,000 net new jobs during the past six months, the best performance in more than three years, the gain has been disappointing.
The U.S. unemployment rate was 5.6 percent in February, unchanged from January's rate. June 2003's 6.3 percent rate was the highest in nine years.
The U.S. economy has now added jobs for six consecutive months, although the average gain of 61,000 jobs per month has been substandard. The economy needs to add an average of 110,000 net new jobs each month just to keep up with modest growth of the U.S. population. This level of job creation would leave the unemployment rate roughly unchanged.
A lower unemployment rate would require an average monthly gain of 150,000 to 200,000 jobs.

subset: commoncrawl


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North Face
Striped TKA Glacier 1/4 Zip (Women's) (out-of-stock)
Out of Stock Product Number: 40243
Unparalleled softness and warmth in a lightweight, bluesign approved striped fleece that's perfect for cool-weather layering.
* This product does not qualify for shipping to all countries.
- Single patch-on chest pocket
- Tortoiseshell button center front placket
- Bias-cut back yoke
- Fell stitching at side seams and underarms
- Side-seam hem tab
- Buttoned placket closure at cuffs
- Logo label at pocket
Gender: Women's
Weight: 210 g (7.41 oz)
Material: Polartec Classic 100 Micro
Fit: Relaxed fit
Season: S14
Vendor ProductId: A7YJ
Review ProductId: 40243
Reviewed by 1 customer
Best Uses
Comments about North Face Striped TKA Glacier 1/4 Zip (Women's):
This was smaller fitting than most north face I have bought. I can wear a girls L/XL but this women's S was too small. I'm 5'4 and 110lbs.. This shouldn't have been too small. Anyways I didn't realize this was a fleece pullover. It's warm/soft but not what I was wanting
- Was this a gift?:
- No


text:
Surfers Paradise, QLD: Three ($399) or Five-Night ($649) Deluxe Apartment Stay for Two People at 4.5-Star, Wyndham Surfers Paradise - Includes Ten-Pin Bowling and DVD Hire (Up to $1358 Value)
- Contemporary 4.5-star apartment
- Winner of a 2012 TripAdvisor Certificate of Excellence
- Self-contained apartment with iPod docking stations and private balcony
- Sleeps up to four people comfortably
- Beautiful swimming pool and spa
- Central location opposite Q1
The Deal
- $399 for a three-night stay ($840 value)
- $649 for a five-night stay ($1358 value)
- One Bedroom Deluxe Apartment for two people
- Two extra guests (adults or children) stay free on sofa bed in lounge
- One game per person at Strike Bowling up to 4
- Two hire DVDs
- 20% off at Crust Gourmet Pizza Bar
- Purchase unlimited vouchers
- Subject to availability
- Must have $100 credit card imprint or $250 cash bond on arrival
- Black-out dates: 17 Nov – 1 Dec 2012
- Saturday night stays incur a $25 surcharge, payable direct to hotel
- Bedding configuration is 1 king or 2 single beds, plus a fold-out queen sofa bed for extra guests
- No cancellations allowed once reservation is confirmed. Amendments possible but are subject to availability and may incur a fee (payable direct to hotel)
- Flights/transport not included
- Extra nights/guests possible but payable direct to hotel
- See the rules that apply to all deals
How to Redeem
- Valid to: 23 Dec 2012
- Must book by 29 Aug 2012
- Phone to book: (07) 5579 6500
- Book online: https://www.thebookingbutton.com.au/properties/BLUEHORIZRADIRECT
- State voucher codes
- Present printed voucher on arrival
One of Australia's most famous beaches, Surfers Paradise is a 3km-long stretch of golden sand fringed by crashing waves and glittering skyscrapers. Star of a thousand postcards and beloved by surfers and sunbathers, Surfers Paradise beach is just the tip of the iceberg. Behind the sand lies a vibrant metropolis that's always up for a party with restaurants, bars and nightlife galore, plus great shopping and entertainment precincts.
Experience the best of the Gold Coast with today's Groupon for Wyndham Surfers Paradise:
• $399 for a three-night stay for two people ($840 value)
In a One Bedroom Deluxe Apartment with one game per person at Strike Bowling, two hire DVDs and 20% off at Crust Gourmet Pizza Bar, plus two extra guests stay free using existing bedding
• $649 for a five-night stay for two people ($1358 value)
In a One Bedroom Deluxe Apartment with one game per person at Strike Bowling, two hire DVDs and 20% off at Crust Gourmet Pizza Bar, plus two extra guests stay free using existing bedding
The Hotel
Located in the heart of the beautiful beach city, Wyndham Surfers Paradise is ideally positioned to explore the brilliant attractions the Gold Coast has to offer. Each self-contained apartment boasts a fully-equipped kitchen with iPod docking stations as well as laundry facilities, air-conditioning, LCD TV, DVD player and a spacious balcony. With a fold-out sofa bed in the lounge, the apartment sleeps up to four people comfortably. Groupies can lounge around the stunning outdoor swimming pool, take a long soak in the hot tub or make the most of the recreation deck with BBQs and relaxed alfresco seating, before retiring to the apartment with two hire DVDs. DIne in with a pizza from Crust with 20% off, or head out for a game of ten-pin bowling at Strike Bowling with one free game per person included in this deal. Wyndham Surfers Paradise is a fresh, contemporary 4.5-star hotel built in 2009, with its own ground floor and café precinct complete with chic wine bar.
Groupon Recommends
Stroll down to Surfers' famous beaches to lie on the pristine golden sand, or swim in the safe, patrolled surf. Shopaholics delight at the dozens of glamorous boutiques within walking distance – check out Elkhorn Avenue for designer stores including Gucci, Louis Vuitton and Prada, try Chevron Renaissance or the DFS store on Orchid Avenue for well-known fashion chains, or wander the leafy beachside boulevards for a pleasant high street shopping experience. Head across the road to the Q1 tower and enjoy spectacular views across the coast on the Skywalk, which is most magical at sunset. For a relaxing day at the beach, jump on the bus and head south to Burleigh Heads for a picnic under the pine trees, before returning to Surfers and donning the dancing shoes for a night out on the town.
Local Amenities
Wyndham Surfers Paradise is located directly opposite the Q1 tower, a few blocks south of Cavill Avenue and five minutes from the beach. There is a vast array of shops and restaurants within walking distance, and a handy bus service runs from the northern end of the Gold Coast all the way to the airport.
Wyndham Surfers Paradise was awarded a 2012 TripAdvisor Certificate of Excellence and has been rated an average of 4.5 stars from nearly 100 reviewers.
The room was very clean with modern furniture and appliances. It was exactly as the pictures showed. Great location and great views. We had the 2 bedroom apartment, with 2 bathrooms, laundry, fully equipped kitchen. Security was excellent, you could only access the floor you were staying on. Short stroll to Cavill Ave. Very happy.
– Loretta_Christo, TripAdvisor
Staff were lovely, free parking, very clean, comfortable bed, awesome pool and spa, kitchen had everything you need. We were on the top floor and although we didnt have a beach view we had a lovely view of the river which was so nice. Rooms are bright and airy.
– LetitiaLee, TripAdvisor
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If the merchant is unable to confirm the stay dates you want within the availability period, Groupon will offer a full refund within 7 days of purchase.


text:
By KAREN BASSOSports writer
The Helper Junior High basketball teams hosted the San Rafael Bulldogs Jan. 10. The games marked the beginning of a strongly competitive season for both teams.
The afternoon began with the boys varsity teams hitting the floor for competition.
The game was highly contested as both teams fought for control of the game. The Helper Rams however, walked away victorious against a strong Bulldog team by the final score of 74-66.
The Rams Jeremy Barker boosted the teams points by shooting 9-11 from the free throw line, while Tyler Nelsen played strong against the Bulldogs.
Rams teammate Joe Via had an incredible second half, along with Dustin Howa who scored a three point field goal in the fourth quarter.
Howa, along with the rest of the bench players boosted the Rams ahead of the Bulldogs and was a main factor in the Rams win Thursday.
Athletic director for Helper Junior High, coach Phil Howa felt that the varsity team did extremely well against the talented San Rafael team.
"I think that the team put forth a good effort. The bench contributed well and held their own against the Bulldog team," commented Howa.
After the boys varsity team was finished on the court, the girls varsity team ran out on the floor full of enthusiasm.
Unfortunately, the enthusiasm did not last long. The girls found themselves down 8-36 at the half, and eventually losing 33-60 against the Bulldogs.
Although the girls struggled with turnovers, the team did not give up on itself. The girls played competitively throughout the game, despite the overwhelming defeat.
Rams guard Tabby Cummins lead the team in scoring with 10 points, while Amie Stewart followed in scoring with eight points.
Crystal Legarda also contributed to the team in scoring, rebounding, and steals. Legarda's strong play along with her determination carried over to the remainder of the team, even through its shortcomings.
After the devastating loss endured by the varsity girls, the junior varsity boys hit the hardwood floor. The boys also suffered a loss by the score of 54-22.
The junior varsity girls then competed against the Bulldogs. In this match up, the Rams also suffered a loss, but they held the Bulldogs to a 30-13 victory.
Danille Martino and Kristine Marsing lead the Rams in scoring, with each player scoring 6 points against the Bulldogs.
The girls team understands the obstacles they must overcome including, mainly turnovers. The team will continue to grow and improve throughout the season and has a good chance of becoming a highly competitive team in the region. The varsity boys intend to continue playing strong throughout the season.
While improvements are being made to the teams, determination and enthusiasm for the game remains, which is a key factor to any great sporting team.


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Pat Murphy25 Reviews
Life Cycle Celebrant®
Santa Fe , NM | 505-670-9030
I am a interfaith Minister, certified life-cycle celebrant and a fun wedding officiant. I honor all faiths, beliefs and traditions. It is my honor...(more)
Rev. G. Bruce Brashear40 Reviews
An Experienced Wedding Officiant
Albuquerque, NM | 505-730-0070
As a trained minister and wedding officiant, I find it a joy to help all couples create a beautiful ceremony that is unique to them. I have...(more)
Durango Sacred Hearts of the Wild6 Reviews
Blessing Sacred Hearts for a lifetime of endearment.
Durango, CO | 970-946-6717
Hello and Congratulations! Thank you for visiting my site! My name is Tedda, I am a passionate ceremonialist, co-creating wedding ceremonies...(more)
Rev. David Doyle2 Reviews
Albuquerque, NM | 505-238-7685
Hi, I'm Fr. Dave Doyle, a wedding officiant for decades and I am honored to preside at a couple's wedding. As an ordained priest and a bishop in...(more)
Ceremony of Love19 Reviews
Taos, NM | 575-751-1452
Ceremony of Love with Rev. Susan Varon. A hand-tailored wedding is an occasion of special joy. I will work with you to create a ceremony that will...(more)
Arcoiris Weddings3 Reviews
Albuquerque, NM | 505-917-8308
Nondemoninational officiant giving the LGBT community loving, passionate marriage and celebration of life ceremonies tailored to you. Albuquerque...(more)
Amor Ceremonies by Kelly Atkin66 Reviews
Non-Denominational Wedding Officiant
Albuquerque, NM | 505-453-8602
A Non-Denominational Wedding Officiant looking beyond the boundaries of race, color, sexual orientation, national origin or religion! I have over...(more)
Matrimonies by Anna19 Reviews
Non-Denominational Wedding Officant
ruidoso, NM | 575-636-3304
We are a certified team of Non-denominational wedding officiants. Our services include small planning for the day of the event, and the ceremony. ...(more)
Awakening JOY Ministries, LLC4 Reviews
Creatively unique Wedding & Vow Renewal Ceremonies - Newly-wed & relationship coaching
Santa Fe, NM | 505-699-5066
Your decision to join together in a committed relationship is powerfully life-affirming for you and your beloved. Congratulations! Rev. Andrea...(more)
Rev. Jewel Alexander, M.A.4 Reviews
Interfaith Minister, Celebrating All People and Paths
Santa Fe, NM | 505-473-0339
"...love is the highest destiny, destiny's greatest purpose, and its finest work." Your Wedding Day will be one of the most extraordinary days...(more)


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|State of Emergency Issued for WNC Counties
|Written by Steve Frank
|Monday, 29 October 2012 15:55
In anticipation of a severe winter storm coupled with strong winds from Hurricane Sandy in the North Carolina mountains, Gov. Bev Perdue today declared a State of Emergency for 24 western counties."People need to continue to take this storm seriously as we face flooding in the east and significant winter weather in the west," said Gov. Perdue. "I urge North Carolinians in the impacted areas to take the necessary precautions to stay safe in this storm."
A winter storm warning is in effect in western North Carolina until 6 a.m., Tues., Oct. 30. Strong winds and heavy snow are expected. As much as four to eight inches of snow is expected to accumulate and up to 12 inches on mountain peaks. Snow will fall periodically through the day and become heavier in late afternoon.
Strong winds of 35 miles per hour and gusts up to 65 mph, can knock down trees and slick roads will make traveling treacherous. The National Park Service has closed five sections of North Carolina's Blue Ridge Parkway.
Counties included in the declaration are: Alleghany, Ashe, Avery, Buncombe, Burke, Caldwell, Cherokee, Clay, Graham, Haywood, Henderson, Jackson, Macon, Madison, McDowell, Mitchell, Polk, Rutherford, Surry, Swain, Transylvania, Watauga, Wilkes and Yancey.
Perdue declared the state of emergency which allows utility and other large vehicles to enter the state and relieve impacted areas. It also gives Department of Public Safety Secretary Reuben Young the authority to deploy the State Emergency Response Team to take necessary action to ensure the safety and protection of people in North Carolina. In addition, the declaration prohibits price gouging.
Classes on Appalachian State University's main campus that begin at 6 p.m. or later Monday, Oct. 29, have been cancelled because of storm conditions from Hurricane Sandy. Classes that begin before 11 a.m. on Tuesday, Oct. 30, also have been cancelled. University officials will continue to monitor weather conditions and will make an announcement by 7 a.m. Tuesday regarding classes that meet after 11 a.m. Hurricane Sandy is contributing moisture to a snowstorm now hitting the High Country, and the impact is forecast to be felt here for several days.
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Prices vary based on delivery destination (it's a tax thing), so please change it if you're not shipping within United States as it might affect the price! (Why?)
The distillery is situated to the East of the village of Lochranza at the North of the island and takes its water from the Loch na Davie. Founded in 1993, by Chivas Brothers' retiring managing director, Harold Currie, the distillery is the only one on the Isle of Arran since the most recent legally run distillery, 'Lagg', was closed in 1837. Mr Currie stylized the buildings with the intention of giving them a much more traditional, classic appearance. During the early stages of building, work was briefly interrupted when a pair of Golden Eagles, nesting in the crags above the distillery, tended to their young. The eagles can be seen, to this day, from the courtyard at the distillery. Production began on the 17th August 1995. A year later and a one year old was released, of course not technically a whisky, it was released as 'Arran 1 Year Old Spirit', and showed great promise for a spirit still in its proverbial adolescence. Though Arran has a capacity of 750,000 litres, the distillery only produces a around a fifth of this. The core expressions include a ten year old, officially released in 2006, and a cask-strength, the ominously named '100 Proof'. Yearly single cask special editions are released, finished in either sherry or bourbon butts. Some interesting finishes have also been released, including a Bordeaux, a port and a Calvados.
Distillery Number
01770 830264
Distillery Founded
Distillery Capacity
750 000 litres
Distillery Status
Distillery Owner
Isle of Arran Distillers
Distillery Address
Lochranza, Isle of Arran
Distillery Website
Harold Currie founds the distillery.
Production starts in full on 17th August.
A 1 year old is released with the text
A visitor centre is opened by Her Majesty the Queen.
The first release is a 3 year old (1 000 bottles).
The Arran 4 years old is released.
Single Cask 1995 is launched.
Single Cask 1997, non-chill filtered and Calvados finish is launched.
Cognac finish, Marsala finish, Port finish and Arran First Distillation 1995 are launched.
Arran 1996 is launched (6 000 bottles). Two more finishes are launched - Chateau Margaux and Grand Cru Champagne.
After an unofficial launch in 2005, Arran 10 years old is released as well as a couple of new wood finishes.
Arran is named Scottish Distiller of the Year by Whisky Magazine. Four new wood finishes and Gordon´s Dram are released.
The first 12 year old is released as well as four new wood finishes.


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Magazine Article | June 17, 2013
Datamax-O'Neil Apex Series — Your POS Printer Solution
By Datamax-O'Neil
Fast, lightweight, easy-to-use, and economical
The Apex family offers a lightweight and economical solution for 2", 3", and 4" portable POS receipt printing that meets your needs without sacrificing quality and performance. With today's tight budgets, the Apex series is an affordable way to meet the constantly changing transactional requirements connected to field service, transportation, retail, and law enforcement applications.
Designed with mobile workers in mind, Apex portable printers include a simple drop-in paper system that allows users to quickly replace paper rolls and a high capacity battery with easy charging options. Its lightweight and compact design allows the Apex series to be worn comfortably on the belt or with a shoulder strap during long 12-hour shifts. These user-friendly features mean you can go through your busy day knowing your Apex printer will keep up with you.
The affordable Apex series offers you what you need without the extras found in other products. The Apex series come standard with wireless communication, fast print speed, ample memory, and fast processing power to keep pace with printers costing twice as much. The Apex series is available with an optional magnetic strip card reader and Bluetooth or IrDA wireless communication.
Mobile POS
- Transaction Receipts
- Queue Busting
- Coupons
- Rain checks
Features at a Glance
- Lightweight and small: The Apex printers are light enough to wear all day, everyday, and small enough that they don't hinder movement.
- Fast: All features on the Apex printers are supported by a powerful 32-bit processor, making them as fast as printers costing almost twice as much.
- User Controlled Memory: All resident fonts and firmware are integrated into flash memory and are directly under your control.
- Easy to Use: Simplified LED lights indicate communication, charging, and power status. Plus, easy drop-in paper loading and an external DC jack for easy charging.
- More for your Money: All Apex printers ship with a battery, power supply, belt clip, and sample media. They are also equipped with a wireless option and RS232 or USB communications.
- Options: IrDA or Bluetooth connectivity and 3 Track Magnetic Card Reader
- Compatibility: Android and Windows compatible. SDKs, print utilities, and drivers available for most systems.
- Graphics: Supports the printing of graphics, 1D and 2D bar codes.
- Endurance: High capacity Li-Ion battery can last a full day of printing receipts on a single battery charge.
- Charging Options: AC Adaptor for in-printer battery charging (comes with printer), 10.6-30V vehicle charger, 2 Bay battery charger.
4501 Parkway Commerce Blvd.
Orlando, FL 32808


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|Florida Man Charged with Fraud in Ashe
|Written by Steve Frank
|Friday, 18 March 2011 13:35
Ashe County Sheriff's Office reports that Roy L Woodard, age 62, of Ft Lauderdale Florida and Ashe County was arrested On March 17, 2011 by Lt William Sands.
Woodard was charged with 6 counts of felony embezzlement. Four Ashe County citizens are the victims. They have alleged to have entrusted a total of $200,000.00 to Woodard. According to Sheriff James Williams, the investigation is continuing. Additional charges are pending. Mr. Woodard is currently free on a $25,000 secured bond. Court date is set for April 14, 2011.
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You're currently on:
Isle of Wight Festival
Check over the festival details
You must purchase WEEKEND WITH CAMPING tickets from the festival to use our service. Festival tickets are NOT included in any of the prices below.
Isle of wight festival ticket info
Travel Information
Click here for Isle of Wight Festival travel information
Tangerine Fields is on the festival site Map.
We are located in the last camping field you will reach before heading into Strawberry Fields and the main arena. (same as 2014)
After entering the campsite follow the main walkway down through the festival campsites passing under the large arches as you go. After you have passed through the campsite market/food area (Electric Ladyland) take a sharp right (so heading away from the festival arena entrance) and the entrance to our field is a short walk down the road with green fencing on the left. Our large orange check-in gazebo will be at the entrance to the field.
If friends are arriving separately from you, forward your booking confirmation email to them.
Check in times and when the gazebo is staffed.
Thursday 12 noon - 12 midnight
Friday 9am - 12 midnight
Saturday 9am - 4pm
Sunday 9am - 1pm
To speed up check-in please ensure you bring your Tangerine Fields Booking Reference Number. (ie. TF820-123456) Any problems finding us call our on-site team on 07473 409606. This number will be availalable from the Thursday when the festival opens, any enquiries prior to this time should contact the office via our contacts page
Tangerine Cafe and Bar
Providing you your morning coffee and some lovely food we will again be opening the Tangerine Tree Café. The Tangerine Tree will have a fully stocked bar with beers and cocktails, whilst ending your night with a few live acts and DJs playing your favourite festival tunes.
Click here to see the Tangerine Cafe menu selections
Toilets and Showers
As an Added Juice Festival, our campers will have the exclusive use of private hot showers and toilet facilities
Extra Added Juice......
The latest Babyliss hairdryers, straighteners and curling tongs are available at our in-camp Pamper Parlour
Car Parking
If driving you will need to park in the main festival car parks and follow the arches through the main campsite to get to Tangerine Fields
The Isle of Wight Festival has been around a long time, showing us 3 of the best festivals from 1968 to 1970. Having had a little rest, it burst back into being in 2002 and has hosted some fantastic large and small acts that always make for a mindblowing event. In its history there have been some huge live acts and 2015 promises to deliver more of the same.
This legendary event is now held over 3 days in early summer at Seaclose Park, Newport, Isle of Wight.
Website - www.isleofwightfestival.com