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Using Student Learning Outcomes Assessment in Language Program Evaluation
This resource list is intended for college foreign language educators who are undertaking student learning outcomes (SLO) assessment as part of their program evaluation activities.
I. Articles and books on SLO (assessment) in general
Astin, A., Banta, T., Cross, P., El-Khawas, E., Ewell, P., Hutchings, P., Marchese, T., McClenney, K., Mentkowski, M., Miller, M., Moran, E., and Wright, B. (1992). Principles of good practice for assessing student learning. AAHE Bulletin, 45(4).
Barker, J., & Folger, J. (1996). Assessing student achievement in the major: Assessment for program improvement. In T. Banta , et al., Assessment in practice: Putting principles to work on college campuses. San Francisco: Jossey-Bass.
Hernon, P., & Dugan, R. (Eds.). (2004). Outcomes assessment in higher education: Views and perspectives. Westport, CN: Libraries Unlimited.
Hernon, P., Dugan, R., & Schwartz, C. (2006). Revisiting outcomes assessment in higher education. Westport, CN: Libraries Unlimited.
Joint Committee on Standards for Educational Evaluation. (1994). The program evaluation standards: How to assess evaluations of edcational programs (2nd Ed). Thousand Oaks, CA: Sage.
Loacker, G., & Palola, E. (1981). Clarifying learning outcomes in the liberal arts. New Directions for Experiential Learning, no. 12. San Francisco: Jossey-Bass.
Middle States Commission on Higher Education (2003). Student learning assessment: Options and resources. Philadelphia, PA: Author.
Nichols, J. O. (1991). Institutional effectiveness and outcomes assessment implementation on campus: A practitioner's handbook. New York: Agathon Press.
Wiggins, G. (1998). Educative assessment: Designing assessments to inform and improve student performance. San Francisco: Jossey-Bass.
Find many more key readings at: The Teagle Foundation web-page on "Outcomes and assessment" http://www.teaglefoundation.org/learning/resources.aspx#assessment
This page provides an excellent set of articles on student learning outcomes and assessment in higher education (note that most of the articles are electronically available).
II. Articles on SLO assessment in language programs
Bachman, L. F. (1989). The development and use of criterion-referenced tests of language ability in language program evaluation. In R. K. Johnson (Ed.), The second language curriculum (pp. 242-258). Cambridge: Cambridge University Press.
Bernhardt, E. (2006). Student learning outcomes as professional development and public relations. Modern Language Journal, 90(4), 602-604.
Brindley, G. (1998). Outcomes-based assessment and reporting in language programs: A review of the issues. Language Testing, 15(1), 45-85.
Brindley, G. (2001). Outcomes-based assessment in practice: Some examples and emerging insights. Language Testing, 18(4), 393-407.
Hudson, T. D. (1989). Mastery decisions in program evaluation. In R. K. Johnson (Ed.), The second language curriculum (pp. 259-269). Cambridge: Cambridge University Press.
Liskin-Gasparro, J. E. (1995). Practical approaches to outcomes assessment: The undergraduate major in foreign languages and literatures. ADFL Bulletin, 26(2), 21-27.
Mathews, T., J., & Hansen, C., M. (2004). Ongoing assessment of a university foreign language program. Foreign Language Annals, 37(4), 630-640.
Morris, M. (2006). Addressing the challenges of program evaluation: One department's experience after two years. Modern Language Journal, 90(4), 599-602.
Norris, J. M. (2000). Purposeful language assessment. English Teaching Forum, 38(1), 18-23.
Norris, J. M. (2006). Assessing foreign language learning and learners: From measurement constructs to educational uses. In H. Byrnes, H. Weger-Guntharp, & K. Sprang (Eds.), GURT 2005: Educating for Advanced Foreign Language Capacities: Constructs, Curriculum, Instruction, Assessment (pp. 167-187). Washington, DC: Georgetown University Press.
Norris, J. M. (2006). The why (and how) of student learning outcomes assessment in college FL education. Modern Language Journal, 90(4), 590-597.
Norris, J. M., & Pfeiffer, P. (2003). Exploring the use and usefulness of ACTFL Guidelines oral proficiency ratings in college foreign language departments. Foreign Language Annals, 36(4), 572-581.
Pennington, M. C., & Brown, J. D. (1991). Unifying curriculum process and curriculum outcomes: The key to excellence in language education. In M. C. Pennington (Ed.), Building better English language programs: Perspectives on evaluation in ESL (pp. 57-74). Washington, DC: NAFSA.
Phillips, J. (2006). Assessment now and into the future. In A. Heining-Boynton (Ed.), 2005-2015: Realizing our vision of languages for all (pp. 75-103). Upper Saddle River, NJ: Pearson.
Ross, S. (2003). A diachoronic coherence model for language programme evaluation. Language Learning, 53(1), 1-33.
III. Comprehensive websites on SLO assessment
Carolina State University
Internet resources for higher education outcomes assessment
An exhaustive list of resources on assessment in higher education. The list includes web links to assessment handbooks, assessment of specific skills/content, institutional assessment plans, and assessment of educational effectiveness.
Michigan University
"CMU Assessment Toolkit"
Excellent set of focused resources, examples, and recommendations on assessments for use in college programs.
in higher education
A comprehensive resource list of online and offline articles, books, professional organizations, discussion lists, and conferences on student assessment in higher education.
IV. Definitions of SLO assessment
R. (1999). Assessment, accountability, and student learning
[Electronic version]. Dialogue, 2, 1-11. Retrieved March 8, 2007, from
A good starting point for understanding assessment, accountability, and student learning outcomes.
Diego State University
Definitions of assessment of student learning outcomes.
V. How-to sites/resources on SLO assessment
American Psychological Association. (2009). The assessment cyberguide for learning goals and outcomes (2nd ed.). Washington, DC: Author. http://www.apa.org/ed/governance/bea/assessment-cyberguide-v2.pdf
This recently updated guide contains many resources that guide assessment planning and process. Their guiding questions and principles are particularly useful.
M. J., & Schuh, J. H.
"Supporting student learning: Assessing the effectiveness of our work."
A comprehensive module on SLO assessment explaining (a) the purposes of assessment, (b) how to write mission statement, goals, and learning outcomes, and (c) assessment strategies and tools.
"Student learning outcomes: Assessment & accreditation"
This site includes informative workbooks on writing student learning outcomes.
Polytechnic State University, Academic Programs
"Learning outcomes assessment planning guide"
This is a how-to guide on stating mission, goal, objectives, and learning outcomes.
Northern Arizona University, Office of Academic Assessment
- Faculty development workshops on various assessment topics (e.g., "Using assessment for the improvement of student learning") can be found here. Some workshops have power point slides and handouts. http://www4.nau.edu/assessment/oaalibrary/workshops.htm
- Degree program assessment plan worksheet: https://www4.nau.edu/assessment/oaalibrary/documents/Degree%20Assessment%20Worksheet.pdf
- Criteria for reviewing degree program assessment plans: http://www4.nau.edu/assessment/documents/DegreeProgramRubric_July06.doc
Diego State University
"Writing assessable goals and objectives"
"Developing an Assessment Plan for Majors, Interdisciplinary Programs, and Other Academic Programs"
Association of Colleges and Schools (Commission on Colleges)
Presentation handouts and slides of the 2006 SACS-COC Institute on Quality Enhancement and Accreditation, Orlando, FL.
Below are some of the many presentations related to SLO:
- Jones, B. H. "Defining, assessing & documenting quality outcomes in community colleges"
- Hoey, J. J. "Defining, assessing and documenting student learning outcomes"
- Nilson, L. B. "Linking teaching methods with student learning outcomes"
- Mince, R. "Using the results of assessment to improve student learning"
- Eck, J. C. "Using multiple measures of student learning outcomes"
Ambrose University
"Five fundamental questions on student learning"
The website includes (a) five guiding questions for planning SLO assessment, (b) how-to guide for developing departmental assessment plan, and (c) a sample assessment rubric.
of Colorado at Boulder
"Outcomes Assessment"
Particularly useful is the section on "Historical and ongoing assessment activities." There are concrete examples of methods, the use of assessment results, etc.
of Hawai'i at Manoa
"A utilization-focused approach to stating and evaluating student learning outcomes"
A how-to guide/manual for stating and assessing language learning outcomes. The manual emphasizes making outcomes assessment as useful a process as possible for program stakeholders (the guide can be accessed here).
VI. Assessment in college accreditation
States Commission on Higher Education.
(2005). Assessing student learning and institutional effectiveness:
Understanding Middle States expectations. Philadelphia, PA: Middle
States Commission on Higher Education. Retrieved March 9, 2007, from http://www.msche.org/publications/Assessment_Expectations051222081842.pdf
This document clarifies expectations on assessing institutional effectiveness and student learning outcomes. The guiding questions at the end of the document help faculty members create better institutional assessment plans.
England Association of Schools and Colleges.
(2005). Standards for accreditation. Retrieved December 18, 2009, from http://cihe.neasc.org/standards_policies/standards/
Standard 4.44 states approach to assessment of student learning.
Central Association of Colleges and Schools Higher Learning Commission.
(2003). Handbook of
accreditation. Retrieved March 5, 2007, from http://www.ncahlc.org/download/Handbook03.pdf
Criterion three (Student learning and effective teaching, p. 3.14) in the handbook provides standards for demonstrating educational effectiveness through SLO assessment. The website also has resources on SLO assessment. Check out the power point handouts and pdfs on SLO assessment from Higher Learning Commission assessment workshop here.
Northwest Association of Schools and Colleges: Commission on Colleges and Universities. (n.d.). Accreditation standards. Retrieved March 7, 2007, from http://www.nwccu.org/Standards%20and%20Policies/Accreditation%20Standards/Accreditation%20Standards.htm Policy 2.2 under Standard Two (Educational program and its effectiveness) provides examples of self-guiding questions for SLO assessment.
Association of Schools and Colleges: Commission on Colleges
(2001). Principles of accreditation: Foundations for quality
enhancement. Retrieved March 5, 2007, from http://www.sacscoc.org/pdf/PrinciplesOfAccreditation.PDF
Section 3.3. (Institutional Effectiveness) and 3.4 (Educational Programs) of the accreditation standards addresses learning outcomes.
Association of Schools & Colleges
(2002). A guide to using evidence in the accreditation process: A
resource to support institutions and evaluation teams. Retrieved
December 18, 2009, from http://www.wascsenior.org/findit/files/forms/Evidence_Guide__Jan_02_.pdf
The guide introduces the notion and principles of what constitutes good evidence in educational program reviews. Many examples of evidentiary sources that respond to WASC standards are illustrated.
Council of Regional Accrediting Commissions
developed multiple documents on principles of student learning in 2004.
- Regional accreditation and student learning: A guide for institutions and evaluators
- Regional accreditation and student learning: Improving institutional practice
- Regional accreditation and student learning: Preparing teams for effective deliberation
for Higher Education Accreditation.
(2002). Student learning outcomes workshop. The CHEA Chronicle, 5(2).
Retrieved March 5, 2007, from http://www.chea.org/Chronicle/vol5/no2/Chron-vol5-no2.pdf
The document is a short list of key considerations for the accreditation body when judging institutional effectiveness and quality of education. A power point file of the workshop ("CHEA workshop on accreditation and student learning outcomes") by Peter Ewell can be accessed here.
American Association for Higher Education. 9 principles of good practice for assessing student learning. http://ultibase.rmit.edu.au/Articles/june97/ameri1.htm
VII. Examples related to language programs
1. FL degree outcomes and assessment
Young University, College of Humanities
-Student learning outcomes assessment summaries for multiple language programs (and other units) at BYU; includes outcomes statements and examples of the variety of assessments used:
University of Arizona, College of Humanities
-UA Outcomes Assessment for language programs (and other units); includes outcomes statements and descriptions of assessments used in a variety of languages:
State University, Modern Languages and Literatures:
- SLOs for French, German, and Spanish majors and minors, and Japanese entry level program: http://www.montana.edu/wwwprov/assessment/modern%20languages--plan.pdf
- A summary assessment plan for undergraduate FL majors: http://www.montana.edu/wwwprov/assessment/documents/ModernLanguagesPlan-2007.pdf
- A summary of assessment
Diego State University
European Studies, and Linguistics & Oriental Languages:
University of New York, Buffalo:
The website has a link to the SLO assessment for general education foreign
language requirement program (101/201, entry level program). Example assessment activities are also given.
of Alaska Fairbanks, Department of Foreign Languages &
This is a summary of a student learning outcomes assessment plan for their Bachelor of Arts in Foreign Languages program. They provide a map of intended learning outcomes, assessment criteria, and implementation procedures.
University, Language Center
First-year language objectives: http://language.stanford.edu/requirement/first_year.html
Examples of student learning outcomes for language requirement (in 11 languages).
2. Study Abroad outcomes and assessment
on Education Abroad
Very useful position papers, guides, etc. on major issues in outcomes assessment of study abroad can be viewed here:
3. Outcomes assessment in general education programs
Community College, Office of Research & Planning
The web page contains information about (a) their assessment plan and results, (b) SLOs for general education, workplace skill, and developmental education programs, and (c) student orientations to the assessment activities.
- SLOs: http://www.mc.maricopa.edu/about/orp/assessment/outcomes.pdf
- Student orientation to SLO assessment (flash presentation):
State University
Assessment plans, results, and suggested improvements for all undergraduate degrees are listed, including department of Modern Languages and Literatures.
Arizona University, Office of Academic Assessment
SLO assessment of the Liberal Studies program at NAU.
of Illinois, Urbana-Champaign
UIUC has SLO assessment plans for each department, stating department level SLO, methods, and timelines.
of Maryland
This detailed report is an institutional assessment plan for the School for Undergraduate Studies and Graduate School of Management and Technology. Students' expected learning outcomes are listed in Appendix A from p.30 to p.35.
of Wisconsin Madison
The Office of Provost provides assessment plans and introduces various direct and indirect SLO assessment tools.


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We're excited to help you complete your booking with Resilience Paddle Sports.
- 1 Rating
$45Per Ticket
Intermediate Stand-Up Paddleboard Class
- 1 Rating
Kick your skills up a notch with an intermediate stand-up paddleboarding class along the shores of Manhattan. Marvel at towering skyscrapers as you work on new skills with helpful instructors.
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- Start your tour in the protected embayment on the Hoboken side of the Hudson River with stunning views of Manhattan as the backdrop
- Take advantage of the challenge-by-choice method employed by the teachers, which ensures your comfort while letting you develop your skills at your own pace
What's Included
- Intermediate-level SUP instruction
Customer Reviews
- 1 Rating
- John
Great stuff. Learned a lot. Instructor knew what I could & couldn't do and tailored the lesson around that. I fine-tune my basic strokes and learned about some advanced stuff.
September 17, 2017
1301 Sinatra Dr N, Hoboken, NJ 07030, USA
Select Date & Time
December, 2018
Please select a date from above
More Activities From This Operator
Uncover the fun of stand-up paddleboarding with a series of classes perfect for beginners. Explore the shores of Manhattan as you work on your abilities.

subset: commoncrawl


text: Steve Walt graduated from the University of Northern Colorado in 1995 with a BS in Business Management. He has been with Crossfire since 2015 as the Director of Project Management and Estimating and more recently as a Regional Manager for the Mid America Region and all Downstream Projects. He formerly worked for ConocoPhillips in Project Estimating as well as in Construction Management. Prior to Conoco he worked for companies like URS Flint and Dycom Industries filling multiple management roles at operations and project levels. Steve brings 20+years to the organization and strives to provide his teams with organizational and continuous improvement strategies. With his notable experience, we value him as the Northern Regional Manager today.


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کیف لپ تاپ لنوو Getting A Laptop Backpack To Match Your Needs کوله پشتی مسافرتیخرید کوله پشتی دانشجویی
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On Friday 26 August 2016, QPO Restaurant, Bar & Events and Love Those Lashes will be holding a morning tea to raise funds for the Cure Brain Cancer Foundation. This is the fourth year they have helped support the CBC Foundation. Established in 2001 by world renowned brain surgeon Dr Charlie Teo, the CBC Foundation is involved in raising funds for brain cancer research which, despite its enormous significance, receives almost no government funding. The foundation's goal is to raise funds to support the creation of an international collaborative brain research community and to help study the epidemiology of brain tumours to better understand the reason why these tumours occur.
What we do know is that:
- Brain cancer is the leading cause of death by disease in children
- Brain cancer is the deadliest cancer - it grows veryrapidly and is ultimately fatal in almost all those affected
- Brain cancer strikes adults and children alike, with the incidence highest in adults in the prime of life
- Brain cancer receives less than 5% of all government funding toward cancer
Come and join us for a day of delicious morning tea, champagne, wine, coffee, tea by Madame Flavour, door prizes, raffles and auctions!
WHEN: Friday, August 26, 2016 from 11:00 AM to 2:00 PM (AEST) - Add to Calendar
WHERE: QPO Restaurant & Events - 186 High St, Kew, Victoria 3101 - View Map


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The Forgettable Superhero is back.
And this time everyone is ready to kick his butt...
Get ready for the next year's big event....
"Stupidman Does Not Return Part - I"
We got in touch with the creator of this ridiculous movie, Mr. Stupid.
Interviewer: So Mr. Stupid, could you tell us something about this movie?
Mr. Stupid: Yeah, sure. Stupidman is a foolish, ridiculous and large eyed hero. I would like to make this interview short. So I have mentioned only a few of his characters.
Interviewer: Could you give us a sneak peak on the movie?
Mr. Stupid: Sneak peak? Ok. Well I will make this a bit long. We have Stupidman who is not an Alien. He can fly and wears his Underwear outside, like many others do. He has this expression on his face which never changes. The credit goes to our Designer, Mr. Crazy Dude. Anyways, he comes to the city BooBoo to fight crime. But all the villains there, including the citizens of this city kick him out. We end this part of the movie when Stupidman flies to safety from everyone's boots.
Interviewer: Oh, so are we yet to see another part?
Mr. Stupid: Oh, yes. That would be after the First Part. It should be the Second Part!
Interviewer: I personally am eager to watch Stupidman. So when is it hitting the theaters again?
Mr. Stupid: No, no. Stupidman is not that strong to hit a theater.
Interviewer: I meant when is the movie releasing?
Mr. Stupid: It should be on 1st February 2010. It should be on one of the posts on this blog called Stupidation.
Interviewer: Thanks Mr. Stupid for talking to us. You have a bad day.
Mr. Stupid: You too, have a ridiculously bad day!
Anyways, here's the Poster for this disgusting movie.


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Event: Bollywood actress Lisa Haydon, Rhea Chakraborty, Sanjay Dutt's wife Manyata Dutt, Harleen Kaur, fashion designer Amy Billimora, Krishika Lulla, singer Shweta Pandit, Siddharth Mahadevan, Lucky Morani among others were seen at the launch of Naked, a bath & beauty collection
Guest List: Lisa Haydon, Rhea Chakraborty, Manyata Dutt, Hasleen Kaur, Amy Billimoria, Krishika Lulla, Shweta Pandit, Siddharth Mahadevan, Lucky Morani
Date: 30-Jan-2015
Bollywood celeb Aamir Khan along with wife Kiran Rao were spotted at PVR.
Bollywood producers-directors Vidhu Vinod Chopra, Krishan Kumar, Ravi Bahl, Divya Khosla Kumar, Sajid Nadiadwala, Wardha Nadiadwala celebrate diwali with Bhushan Kumar
Bollywood celebs Kareena Kapoor Khan, Malaika Arora, Sonali Bendre, Nimrat Kaur among others were snapped by paparazzi.Bebo looked super cool in a casual look. She wore a white t-shirt with yoga pants...
Bollywood actress Shama Sikander celebrated Diwali festival at her residence.
Bollywood celebs Aamir Khan, Zaira Wasim, Fatima Sana Shaikh, Sanya Malhotra, Anil Kapoor, Nitesh Tiwari, Aparshakti Khurrana, Bhushan Kumar, Javed Akhtar, Shabana Azmi, Sachin Tendulkar, Rajkumar Hir...


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Adiar dinged 54 last night as I finished up a few Felwood quests and is now sporting 3 pieces of Valor gear. I know the D1 stuff sucks compared to the gear upgrades from the recent patch but I'm a collector. Do I plan on getting the full set for fun? Of course.
I had mentioned to an in-game friend of mine that I had planned on getting Quel'serrar, full Valor and starting the Thunderfury quest chain eventually.. to which I got a resouding "WTF for?" response.
I started playing WoW in May of 2006, shuffled around a few alts to find my niche' and eventually landed my first 60 in December later that year. The Burning Crusade landed in January of 2007 which gave me a little over 2 weeks to enjoy life as a level 60 and, of course, missed out on ALL of the level 60 raid zones outside of UBRS.
I've always been interested in the "old world" stuff and ALWAYS tell myself that I'd go back and do it all just to experiance it eventually. To some extent, I've done that. On the Horde side, to get our guild in to raid mode, we formed a team and cleared ZG as well as the first 2 bosses in AQ20. On my Alliance Warlock I've done MC about 3 or 4 times and collected a few pieces of my T1 set.
Where am I going with this?
In response to the "WTF for?" comment, for fun.
I already have 3 70's and have spent extended amounts of time gearing each of them. This time around, it's all for *gasp* fun. I wan't to see things I had never seen on any of my toons before and from a different perspective.
The first time I had ever seen Thunderfury my jaw dropped. I was playing my Troll Warrior pre-BC and had told my friends that one day I would have it. I wasn't joking. I know it's going to take forever but I'm in no hurry. I know people still like to run MC. Oh yes.. she will be mine.
There are other "old world" things on my list of things to do with my Warrior -
Acquire Quel'Serrar
Do a DM Tribute Run
Tank Onyxia
Clear BWL
Clear AQ20
Clear AQ40
Run Naxx (pre-BC Naxx but this is unlikely.)
Get full Valor set
Get full Might set
Tank Baron in Scholomance
To me it's not always about getting the best gear but to enjoy the experiance that I pay for. I've experianced the end-game part of TBC to an extent (raided 5/6 SSC and 2/4 TK) and want to see what I missed out on before.
Friday, April 25, 2008
T-minus 4 levels to go.
Posted by Shadow Word: Blog! at 4/25/2008 11:39:00 AM
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9 Delightful Fish & Chips You Batter Not Miss Out On!
Fish and chips (and chicken chop) was probably my favourite food when I was 12, and I think most of us can relate to that. Even though it isn't one of my favourites any longer, it still remains as one of my top comfort foods. So, in an attempt to satisfy my inner child, we set out on an adventure to bring you 9 fish and chips that will hopefully rekindle your fire for this classic dish.
5 Star Corner Western Food
Kopitiams are steeped with hidden food gems because there're simple too many kopitiams to check out. 5 Star Western Food is one of such gems. We tried their fish and chips, but it didn't impress. However, for $6, this really deserves 5 stars for value. We got 2 medium-sized fillets with crispy skin and a tasty fish. My only gripe was that the skin was a little too thin, so it wasn't really quite as satisfying as one would expect. I liked the thick cut fries but would've preferred it to be better seasoned. I thought that the unpretentious slice of garlic bread really stood out – well-seasoned and crunchy. I hear that their steak and chicken chop are more popular with diners.
5 Star Corner Western Food
Address: 805 Hougang Central, Singapore 530805
Phone: 6385 9388
Opening Hours: 11am to 10pm daily.
Facebook: https://www.facebook.com/pages/5-Star-Corner-Western-Food-Food-Park/143335679064780
Mr Fish & Chips @ Wok Inn café
Once located in Toa Payoh, Mr Fish & Chips has since relocated to PoMo. They're known for their crispy fish and chips so we had to try it out! We got the set meal which costs $9.90 and you get to pick 2 out of 3 sides – Chips, mashed potatoes or coleslaw. I thought that it was a really value-for-money meal. No wonder this place is packed during lunch and dinner time. Stall owner, Michael Molina, has over 9 years of experience in a fish and chips shop in the UK, and he has brought his expertise over so that Singaporeans can also enjoy an authentic plate of fish and chips at affordable prices. Needless to say, the fish and chips here are pretty legit. The stall owner also imports bottles of malt vinegar which is what the British add to their fish and chips. The fish was silky smooth, and the portion was generous. The fries were similar to potato wedges. If you're a student, you can opt for the student meal – just remember to bring your student card!
Mr Fish & Chips @ Wok Inn Cafe
Address: 1 Selegie Road, #01-20/21, Singapore 188306
Mobile: 9897 6048
Opening Hours: 12nn to 9pm daily.
Facebook: https://www.facebook.com/cafewokinn/
Western Barbecue
One of the star tenants at Old Airport Road Food Centre is Western Barbecue. Diners can look forward to popular dishes such as fish and chips, mixed grill and chicken chop here. For a mere $6, the fish and chips were really impressive and I felt like they should have charged more, given the superior quality of the fish. Expect 2 medium-sized fillets with a side of thick cut fries. The dory fish is coated in homemade batter before it is fried to crispy perfection. I liked that the batter was buttery and the fish, silky smooth. You even get a butter bun to fill up your tummy. This makes the most value-for-money fish and chips in this list! If you haven't tried it, you really should!
Western Barbeque
Address: 51 Old Airport Road, #01-53, Old Airport Road Food Centre, Singapore 390051
Phone: 6440 8934
Opening Hours: 11am to 11pm daily.
Facebook: https://www.facebook.com/westernbarbeque/?rf=123340021081447
ChopS! Grills & Sides
Humble and unpretentious, Chops! Grills and sides is yet another contender in the race for the Best Fish & Chips title. Despite the great quality, the prices are aptly priced for the common man, like myself. For $7.90, you get to pick 2 sides to accompany your battered fried fish. Diners can opt from Aglio Olio, Garlic fried rice, Shoestring Fries, Romane lettuce, Tuna Salad, Pasta salad or coleslaw. We got the fries and garlic fried rice. Waiting time wasn't long and I loved the friendly service. They coat dory fish in bread crumbs so the batter wasn't as buttery as the others. I found the batter a little too thick but I realised that if I dipped the fish in tar tar sauce, everything gets balanced out. Kudos! What stood out was the recommended garlic fried rice which was really fragrant and well-seasoned.
Chops Grills & Sides
Address: Blk 727 Ang Mo Kio Avenue 6, Singapore 560727
Opening Hours: 11am to 10pm daily.
Facebook: https://www.facebook.com/chopssg/
Cups and Canvas
Cups and Canvas is a homey café that offers coffee and a limited selection of food items. I enjoyed the outdoor seating which makes for some lovely photos. If you're a café hopper, this is one café you should definitely check out. For a price of $12.90, the fish and chips was a little pricier than those offered at other places. It comes with 3 small fillets, a bed of crispy fries, and a side of salad. The fish was a little too oily and soggy which didn't really appeal to us but it was still decent. On the other hand, the fries were light and crispy. Although they weren't as thick as I would have liked them to be, I still found myself reaching for more.
Cups and Canvas
Address: No. 1 Bukit Batok Central Link, West Mall, Singapore 658713
Phone: 6884 6855
Opening Hours: 10am to 10pm daily.
Facebook: https://www.facebook.com/CupsNCanvas/
I am… Cafe
Fish and chips doesn't have to be exclusive, so it's great that there are places offering halal versions so that everybody can enjoy their plate of delicious fish and chips, regardless of race, or religion. One of such places is I am… café, which dishes out some mean fish and chips.Beneath a beautiful golden brown exterior, lies lusciously succulent flesh. The batter was surprisingly hard, but nothing too tough I couldn't bite through. The fish did retain a slight fishy taste which may disappoint some, but it was still a very delicious piece of fried fish. Although it is significantly pricier than other options, this is probably one of the best fish and chips in town.
I am… Cafe
Address: 674 North Bridge Road, Singapore 199486
Phone: 6295 5509
Opening Hours: 11am to 11pm daily. Closed on Wednesdays.
Facebook: https://www.facebook.com/Iamathajilane/
Smith's Fish and Chips
Smith's is dedicated to its roots, serving the true-blue fish and chips. Run by Englishmen, Smith's boasts a robust and extensive menu of fish and chips. They offer a fine selection of white fish including the popular Dory, Cod, Haddock and Halibut. I was recommended the Haddock, which is what the English enjoy most frequently in their country. The prices are really steep when compared to other options, but you are getting your money's worth. They put a lot of hard work into their fish and chips – they peel and chip the potatoes, and make the batter daily. Owing to a different cooking method, the chips here aren't as crispy as you'd expect but I liked that the flavour of the potatoes were more prominent. The haddock is super fresh and has a flakier texture. They serve the fish and chips unseasoned, but every table comes with a salt shaker and a bottle of malt vinegar. You might be disappointed because it ain't the crispy fish and chips you'd expect. I guess the English enjoy their fish and chips really differently from us.
Smith's Fish and Chips
Address: 271 Bukit Timah Road, #01-02 Balmoral Plaza, Singapore 259708
Phone: 6737 9313
Website: http://www.smithsfishandchips.com
Email Address: [email protected]
Opening Hours: 1130am to 11pm daily. Last orders at 1030pm
Molly Malone's
A friend introduced this place to me so I decided to give it a try. I'm not saying that this is the best, but off the top of my head, Molly Malone's serves one of the best fried fish around. For $16, we got two medium sized golden-brown fillets, a side of thick fries and 2 dips – chilli sauce and tar tar sauce. Dory is encased in an impressive batter which is neither too hard, nor too soggy, so the knife cuts through with the right amount of ease. The fish was light, smooth and moist. The fries, were a tad too salty, but had the right balance of crispiness while still retaining the original flavour of potatoes. I can't quite explain it, but this appealed to me. A reservation I had though, was the long waiting time even though there was nobody. Nonetheless, the chill atmosphere and friendly staff did help to mitigate my frustration.
Molly Malone's Irish Pub & Brasserie
Address: 56 Circular Road, Singapore 049411
Phone: 6536 2029
Mobile: 8620 9089
Website: http://www.molly-malone.com
Email Address: [email protected]
Opening Hours: 11am to 1am from Mondays to Wednesdays. 11am to 2am on Thursdays. 11am to 3am on Fridays. 12pm to 2am on Saturdays. Closed on Sundays.
Western stalls in kopitiams are always rather obsure, and 吃western is no exception. Launched about a year back, 吃western offers affordably-priced western food that everybody can enjoy. For just $6.50, this is one fish and chips that I'll be coming back for. Not because I'm a cheapo okay, but I earnestly don't think that it can get any better than this, at this price. I couldn't wait to dive into the 2 crispy dory fish fillets, side of thick and chunky fries, and interesting purple cabbage salad. The combination of tender fish and buttery thick batter was spot on. I have no complaints at all. I liked that they use crinkle cut fries because it reminds me of the fish and chips that I had when I was a child (so nostalgic). Truffle-flavoured fries are available too. We polished the plate even though we were already full. Overall, this was my favorite. Even though the staff wasn't quite friendly, I'll definitely return should my craving for fish and chips resurface.
Address: 206 Toa Payoh North, #01-1197, Singapore 310206
Opening Hours: 1130am to 830pm on weekdays. 12pm to 830pm on weekends.
Facebook: https://www.facebook.com/chiwestern/
We all enjoy a hearty plate of fish and chips every once in a while. Some of us love soggy fries, some prefer crispy thick ones instead. Nonetheless, hopefully this short guide will be useful! Just remember to drink lots of water after, so you don't fall ill.
MissTamChiak.com made anonymous visits and paid its own meals at the stalls featured here.
Let's build a food community that helps to update the food news in Singapore! Simply comment below if there's any changes or additional info to the cafes/stalls listed above. We will verify and update from our side. Thanks in advance!


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By Erik Rush Posted: November 26, 2009 ~ 1:00 am Eastern © 2009 It occurred to me that the Thanksgiving holiday might be an appropriate time to consider those things for which Americans have to be thankful in light of the many that we are, at present, in danger of losing. Many younger Americans have a somewhat different take on Thanksgiving and its origins than do those who are older. In education and popular culture, there has been a de-emphasis on religious overtones and an introduction of multicultural, generic "harvest festival" concepts concerning those celebrated at this time of year, throughout history and around the world. Although the "first Thanksgiving" (celebrated by the Plymouth community and Native Americans of the Wampanoag tribe in 1621) was once related to grade school students as a festival of gratitude and brotherhood, contemporary academic edification now carries implications of attendant massacres, genocide and the seeds of later indoctrination into the innate evil of Europeans, capitalism and the American paradigm in general. There are very few on either side of the political spectrum who believe that those whose destiny it was to shape this nation were wholly virtuous people; however, millions of Americans still acknowledge that they were participating in something bigger than they were and something that was, in the greater part, good. The administration of President Obama, folks such as House Speaker Nancy Pelosi, Senate Majority Leader Harry Reid, Rep. Barney Frank and the Democratic leadership in Congress are participating in something bigger than they are as well – but it is anything but good. They are currently engaged in the process of dismantling the superstructure of our nation, which has been the most fruitful, dynamic and just system yet devised, and replacing it with a soulless monolith that has proven itself to be morally, spiritually and economically stultifying everywhere similar structures have been erected. In it, people such as the above and their collaborators will rule rather than govern, and those who are now seeking positive change and competent leadership from them will discover that they have chosen nothing less than tyranny. It is both heartrending and horrifying that they have around half of America's electorate convinced that their intentions are good, but that in which they are engaging is patently evil. [CLICK HERE TO READ MORE]
Thursday, November 26, 2009
Evil is as evil does ~ By Erik Rush
Commentary from WorldNetDaily
Posted by John Kubicek at 4:49 AM
Labels: Barack Hussein Obama, Barney Frank, Cap and trade, Erik Rush, Harry Reid, Health Care Reform, Nancy Pelosi, Tyranny
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Porsche 911 Carrera GTS
By Arman Barari on Sep 16, 2010 with Comments 0
To fill the gap between the normal 911 Carrera and the track-focused 911 GT3, Porsche has made a new model called the 911 GTS. Now that makes it even harder to understand the 911 range!
The car slots perfect;y between those two in terms of performance, power, design and price.
It comes with a tuned version of the 3.8 liter straight-six engine of the Carrera S which now develops 408 hp and 420 Nm of torque. It's only 0.1 second faster to 60 mph than the normal model and has a top speed of 190 mph. It comes as standard with a manual box but you can order the PDK as well.
With the seven-speed Doppelkupplungsgetriebe, the 911 GTS will do 0 to 60 mph in 4.2 seconds.
As for the design, the GTS gets the 4mm wider rear-end of the Carrera 4 and feature a few gloss black aero parts at front and rear, but on the whole it's really hard to tell it apart from the Carrera S if you don't notice the GTS decals on the body or the 19-inch centre-locking RS Spyder alloy wheels.
So if you are bored with the normal 911 but still don't wanna let go of its love, then get the GTS. its new features will keep you amused for a while! It is priced from £76,758 (104,935 euros) for the Coupe and £83,493 (115,050 euros) for the Cabriolet.
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A Texas road trip is upon us. And that includes some requisite smoked meat and chicken-fried steak eating.
Since Texans are predominantly devout carnivores laying claim to about 268,820 square miles of land, there are many eateries to discover. So we rounded up a list of the best small-town places to visit when you're making your way around the Lone Star State.
Some of the restaurants in this roundup don't offer much in the way of ambiance, but they deliver food so delicious and memorable, you'll go well out of your way just for a meal and some leftovers. Of course, Texas is also known for its Gulf seafood, so a great coastal outpost made the roundup as well.
The "Original Black's Barbecue" opened in 1932. Now four generations of the Edgar Black family later, the Original Black's in Lockhart is the oldest BBQ joint in Texas, always owned by the same family. The Original Black's BBQ continues to serve generations of Texans.
Black's Barbecue is located at 215 N. Main in Lockhart; Black's has recently opened a second BBQ location in Austin, at 3110 Guadalupe Street.
Weikel's Bakery, known for its homemade authentic Czech kolaches and other pastries, has been making and serving homemade food in La Grande (2247 State Highway 71 West) for decades. Weikel's kolaches are noted for their fluffy soft and sweet dough, a closely guarded secret family recipe. A second location is scheduled to open in September 2017 in Brenham at 2155 U.S Highway 290 West.
Smitty's began around 1900 as Kreuz Market, a German butcher shop that sold fresh meat during the week and smoked whatever was left over on the weekend. The Kreuz name endured even after Edgar "Smitty" Schmidt bought the business, in 1948. It was still in use in 1999, when one of Edgar's three children, Rick took the Kreuz name to a new location. Daughter Nina Schmidt Sells and her son, John Fullilove, kept the fires burning and reopened under the current name.
Entering from the parking lot you'll pass waist-high brick pits and perusing the list of post oak–smoked meats (brisket, pork ribs and chops, shoulder clod, sausage, prime rib), some of the finest barbecue in all of Texas. Located 208 S. Commerce Street.
Kloesel's Steakhouse & Bar, Moulton
It was hard to believe the locals when we were told that one of the best restaurants around was Kloesel's. After some hesitation, we stopped for lunch en route to the little brewery in Shiner to give it a shot and what a pleasant surprise. The food was truly amazing and good value. Great atmosphere and friendly service.
We have eaten here over the years numerous times and have always been impressed with their food and staff. Particularly love their chicken fried steak—and desert.
There are few places we love as much as the pit room at City Market. Entering the smoke-filled, glass-enclosed chamber at the back of the dining room is an experience you will remember .
Come here for the BBQ. The brisket, ribs, and sausage are well cooked—tender and off the bone delicious. This is definitely a no frills place so don't expect restaurant service. But, trust me you will dream about this place until your next visit. Located at 633 East Davis Street.
Stingaree Restaurant & Marina, Crystal Beach
When in the Galveston area, a trip to Stingaree in Crystal Beach is at the top of our list of "must-do" events. It is not just the food, it's the whole experience. Located on Bolivar Peninsula, this well-worn, roughhewn, two-story establishment stands next to the Intracoastal Waterway, with an amazing view of tug boats and barges. To get there from Galveston you ride the Boliver ferry.
Stingaree is famous for many things: the beautiful sunsets seen from its deck, the giant tug boats and barges that pass within feet of its windows, and wonderful Gulf Coast seafood—barbecue crab, fried catfish, shrimp and oysters, Red Snapper Ponchartrain, Crabmeat Au Gratin, etouffee, and gumbo.
During the winter months the Stingaree has one of the best seasonal dishes you'll find anywhere on the Gulf Coast—Oyster Jubilee (oyster season traditionally ends in April).
Texas Spoken Friendly
Worth Pondering…
I am not a glutton—I am an explorer of food.
—Erma Bombeck


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Somewhere in the north of our small city, a rooster crows long and loud from six 'til nine in the morning. Or maybe he crows longer, but because of the children playing in the field behind the apartment complex next to a small seventh day Adventist elementary school, I just don't hear him.
It is what happens when you live in a rural city. The trees may have a red-tailed hawk in the tips, looking down at the bread-box, a small field filled with rodents. Or an owl may wake you at three in the morning by hooting in your window.
You may sit at one of the casino windows at breakfast and watch a coyote teach a pup how to cross a four lane highway. That the pup needs to look left, right, and then left before crossing.
We even saw a vulture circling down to a kill, but waved off by a raven, whose eyes were too big for its stomach. Eventually the raven hopped away and a pair of vultures filled their bellies on a small deer.
In the woods around some small cities in Oregon, if you drive at night you should go slow. Small deer the size of a large dog will congregate in the crossroads. They will circle your car if you stop and push their noses into the windows to see if you have anything good to eat. If you get out of your car, they will scatter like little dandelion seeds blown by the wind.
Nothing calms me down more (yea, I seem to have nerves on high alert all the time) than going to the park and watching the red-shafted flickers as they float down to the ground. Don't notice them or they will fly away. The flickers are very shy.
So if you read my stories and find that I added some of these animals and places in my stories, don't be surprised. I like nature, as long as I don't have to live there.


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5415 169th Street Noblesville IN 46062
This Vacant Lot/Land is located at 5415 169th Street, Noblesville, IN 46062, in Hamilton County. The current listing status is Off-Market. This property is conveniently located within walking distance of Bridgewater Club Trail, a popular trail in the area. See More Noblesville homes for sale.


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Seattle Mariners vs Houston Astros
Wednesday, September 10, 2014
Tuesday, September 09, 2014
Lunch with an old Calvin Roomie
Monday, September 08, 2014
Maria Maria
Friday, September 05, 2014
Flash Back Friday
Thursday, September 04, 2014
Baltimore: Apartment Scenes
Wednesday, September 03, 2014
Tuesday, September 02, 2014
Baltimore: Mt. Vernon Neighborhood
The hotel where we stayed was across from the original Washington Monument which was surrounded by scaffolding as it was under repair.
Monday, September 01, 2014
Happy Labor Day
Here is a fine photo of Maria in front of her new apartment in Charles Village in Baltimore. She is surveying the labor which moved her in!
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text: Rebel forces in Libya have clashed with troops loyal to Col Muammar Gaddafi about 80km (50 miles) south-west of the capital, Tripoli. A rebel spokesman in the Nafusa mountains said there had been heavy fighting on the outskirts of the strategic town of Bir al-Ghanam. The rebels told the BBC they were making a push for Tripoli. Meanwhile, Col Gaddafi has agreed to stay out of talks aimed at ending the conflict, African leaders said. In a communique after talks on Sunday in South Africa, the African Union panel on Libya said it welcomed "Col Gaddafi's acceptance of not being part of the negotiations process". The statement did not elaborate….


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Bridesmaids Dresses
The Bridal Connection offers a wide selection of bridesmaid dresses in a variety of styles, fabrics and colors. We carry several different designers to ensure you find the perfect look for your girls at your wedding. From elegant floor-length, to short and simple, we have something for every wedding style.


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Netscape Communications has released a free software patch that users can download to beef up security in their Communicator browser, better addressing the needs of users who want to bank and shop on the Internet, the company says.
Previously, customers had to download an entire new browser to get the added security, said Netscape, which is now a subsidiary of America Online Inc. (AOL). Users can now download a small patch for Communicator 4.61, the latest version of the software, from http://home.netscape.com/smartupdate/, Netscape said.
The upgrade beefs up the browser's security from 56-bit encryption to 128-bit encryption, a level that some Web sites require before users can shop and bank online. The upgrade will also make users' encrypted e-mail more secure, Netscape said.
US law generally restricts the export of products higher than 56-bit encryption because the government fears the technology could be used for criminal activities against the US.
Netscape noticed recently that Microsoft had been granted permission by the U.S. government to offer a 128-bit version of its browser, by including a provision that users must reside in the US or Canada to download the upgrade, said Michael la Guardia, group product manager for Navigator.
"We thought that would be good for our customers, too," he said, so Netscape applied for and was granted similar government permission.
La Guardia acknowledged that the global nature of the Web would allow anybody to download the strong encryption patch and claim to live in the US or Canada.
"We can't prevent people from breaking the law. The onus of complying with the law lies with the consumer," la Guardia said, adding that Netscape is opposed to any such illegal behavior.
A 56-bit encryption browser already allows for billions of possible "keys" for deciphering encoded data, only one of which unlocks the information. The stronger 128-bit encryption increases the number of possible keys to billions of trillions.
Netscape recently saw its share of the browser market slip to 25 percent as it continues to lose ground to rival Microsoft's Internet Explorer, according to research released earlier this month by WebSideStory Inc., a company that tracks Internet traffic.
Netscape Communications Corp, in Mountain View, California, can be reached at +1-650-254-1500 or at http://www.netscape.com/.


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Cytogenetic Analysis
Molecular Genetic Testing
Paternity Testing
Genetic counseling
Quality Trails
Molecular Genetic Testing
Genetic forms of Malformation (Mutation Screening in the GLI3-Gene)
Indication and Diagnostic Value
Single mutations in the GLI3-gene are responsible for a number of distinct genetic syndromes that are all dominant autosomally passed to offspring:
• Greig Cephalopolysyndaktyly-Syndrome (GCPS)
• Pallister-Hall-Syndrome (PHS)
• Postaxiale Polydaktyly type A (PAP-A)
• Präaxiale Polydaktyly type IV (PPD IV)
Patients with one of these syndromes carry a normal karyotype following chromosomal analysis. To prove a clinical diagnosis requires to screen for disease-associated mutations in the GLI3-gene.
Though the spectrum of clinical symptoms is even between family members quite various, most cases have in common malformation of limbs, particularly polydactyly. All GLI3-gene linked diseases are autosomal dominant disorders of high penetrance.
Samples and Test Method
EDTA blood is required. The PCR based test includes DNA sequence analysis of all 15 exons including intron - exon borders of the GLI3-Gen. The specificity is close to 100%.
Turnaround time for this test is 4 weeks.
→ list of Molecular Genetic Tests offered by IMMD
www.bccd.eu ©2007
All rights reserved.


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fashion, forest green, furniture, green, hunter green, interiors
Good morning lovelies! Perhaps it's because there is so much less green outside this time of year with the leaves changing, or maybe I'm already thinking about Christmas trees, but I have been craving some deep dark forest green in my life… hence today's post. Loving the warmth and coziness of this colour for fall. Oh, did I mention green is my fave colour? Oddly, I have very little green in my home decor….maybe that is also what prompted this post. Regardless, here are some shots that show that it is, in fact, easy being green….
Photos via 1, 2,3,4,5,6,7,8,9, 10, 11,12,13,14,15
What did I say? easy right? LOVE that lace dress and that living room with the bright gold chair against the dark wall….amazeballs.
Have a great day!


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How Does Private Health Insurance Work?
If you have looked into Private Medical Insurance no doubt you have come across the vast array of options available with all the different providers. It can quite quickly become overwhelming which is why it's important to get a good handle on how Private Health Insurance works.
Health Insurance is a valuable product that allows you to bypass NHS waiting lists providing you with access to a wide range of private healthcare services so you can get back on your feet as quickly as possible.
Our handy guide will tell you all you need to know about how Private Health Insurance works and how to get the best policy for your circumstances.
This Guide
- How does it work?
- What does it cover?
- How premiums work
- How do I apply?
- How do I claim?
- Get expert advice
Written by:
Michael Englefield
Content Manager at Drewberry
How Does Private Health Insurance Work?
Private Health Insurance, also known as Private Medical Insurance (PMI), is designed to cover the cost of private treatment so you can avoid the often long waiting times for treatment through the NHS and ensure you get the most appropriate care as quickly as possible.
In exchange for your monthly payments, depending on the level of cover you opt for your insurer will cover some if not all of your expenses for your use of private healthcare, including specialists, private rooms, private medical procedures and potentially the cost of consultations, diagnostic tests and therapies.
All domestic health insurance claims start with you getting a referral from your GP and having the claim authorised by your insurer. Once that's done, the bill for your private treatment will go to your policy provider who will cover their share of the cost as laid out in your policy terms and conditions.
Pensions Advice
Income Protection
What does Health Insurance Cover?
Private Medical Insurance policies cover certain types of conditions and treatments. Most our modular with many insurers providing options to increase or decrease cover as you wish to tailor your policy to your specific needs.
Acute vs Chronic Conditions – What's Covered?
Medical Insurance is designed to cover acute conditions, these are conditions that can be reversed through treatment and are not permanent. For example, a sinus infection would be considered an acute condition because it can be treated with antibiotics.
Chronic conditions, which are long-term afflictions that can only be managed rather than treated, are not usually covered by Health Insurance policies. These include conditions like diabetes, asthma, or psoriasis. However, acute symptoms of chronic conditions may be covered by your policy and insurers typically cover any treatments leading up to the diagnosis of a chronic condition.
The overall management of asthma would not be covered by a private medical insurance policy, but if you had a temporary asthma flareup and needed a hospital stay, your policy may cover you for your treatment.
What Treatments am I Covered for?
When it comes to treatments, there are certain types of care that is covered by your policy. Typically, PMI core cover is comprised of cover for inpatient treatments while outpatient treatments need to be added to your policy separately.
The difference between inpatient and outpatient treatment is that inpatient care requires you to be admitted to hospital and occupy a bed overnight. Serious operations, for example, fall under inpatient treatment because you will need to stay in a hospital bed for at least a day.
Outpatient care is defined by any sort of treatment that doesn't require the use of a hospital bed. This includes diagnostic tests, consultations and general check-ups.
Another type of treatment that some insurers define is Day-patient Treatment. This is a subset of inpatient cover that requires the use of a bed during the day but doesn't involve an overnight stay. Many insurers include these treatments as part of your core inpatient cover.
What am I Not Covered For?
When it comes down to specific conditions that you may be covered for, this will depend on your policy's exclusions.
What are 'Exclusions'?
Exclusions are conditions that you are not able to claim for.
Most Medical Insurance providers have their own standard exclusions that they place on their policies which you will find in your policy terms and conditions. Common exclusions that you will find on UK PMI policies include the following:
- Fertility Treatment (IVF)
- Cosmetic surgery
- Conditions relating to normal pregnancy/childbirth
- Emergency care
- Kidney dialysis.
In addition to these exclusions, your insurer may add any pre-existing conditions you may have had to your policy's exclusions during the underwriting process.
What are my Other Options?
Many insurers provide optional cover that you can add to your policy. This could be anything from therapies cover (e.g. physiotherapy) to dental and optical care.
Not every insurer will offer the same options, so it's important to shop around and see what's on offer before you decide which policy has the best cover.
Matteo Mockler
Health & Wellbeing Expert at Drewberry
- Psychiatric cover
Add cover for a limited number of sessions to treat or diagnose psychiatric conditions, including counselling sessions.
- Routine dental and optical care
While oral and occular surgery tends to be covered by most PMI plans, you can add cover for routine treatment, such as checkups and eye tests.
- Therapies
The main therapies you can add cover for are acupuncture, osteopathy, physiotherapy and chiropractic treatment.
Excellent service. Well documented and prompt meetings arranged, with polite reminders. Good, clear advice and excellent product choice for me. Very pleased and highly recommended.
How Do Private Medical Insurance Premiums Work?
'Premiums' are the regular payments that you make to your insurer in order to maintain your policy. Usually these are paid on a set day each month.
How Are My Health Insurance Premiums Calculated?
The cost of a PMI policy depends on a range of factors. For the most part, your personal situation will have the biggest effect on the cost of your premiums. When you apply for a policy, your insurer will ask you for the following information:
- Your age
- Your address
- Your smoker status
- Your desired level of outpatient cover
- The additional 'add-ons' you want to include in your cover
In general, insurers will ask you to pay more for your policy if they suspect that you are more likely to make a claim. A range of factors can influence this opinion, such as your smoker status.
In addition, the suspected cost of a claim will also affect the price of your premiums. For example, private hospitals in places like London tend to be more expensive than they might be in other parts of the UK, so if you live in London you may have to pay more for your policy than you would if you lived elsewhere.
You can reduce the anticipated cost of your treatment – and subsequently reduce your premiums – by adding an excess to your PMI policy. An excess is a set amount that you agree to contribute to your treatment costs per claim.
You can also reduce likelihood of claiming on your policy by adding a 6 week NHS waiting list clause. When you select this option, you will only be able to claim on your policy if the waiting time for your treatment on the NHS is more than 6 weeks.
Emma Wilson
Employee Benefits Consultant at Drewberry
How Does Health Insurance Underwriting Work?
The underwriting of your policy determines not only the cost of your policy, but also the conditions you will be covered for. There are different types of underwriting that can make a significant difference to the cost of your policy and the conditions you are covered for.
Full Medical Underwriting
FMU is the most basic type of underwriting as well as the cheapest. It involves the applicant giving their medical information to the insurer before their policy has been put in place. The insurer will use this information and decide from the outset which pre-existing conditions they are willing to cover.
Pre-existing conditions that insurers are not willing to cover will be added to your policy's list of exclusions and you will not be able to claim for them. This will typically apply for the entire term of your policy, but some insurers may be willing to negotiate having conditions taken off your exclusions if you have had the policy for a while and not claimed for them.
Moratorium Underwriting
Moratorium Underwriting is more complex and costly compared to FMU. Instead of giving your medical history at the start of your policy, insurers will look at it when you make a claim.
There are typically two types of Moratorium underwriting that will determine whether or not you will be able to claim for a condition when the time comes.
Rolling Moratorium involves all conditions that you have suffered from in the past 5 years being automatically excluded. But they will be taken off of your list of exclusions if you have served 2 years on your PMI policy without receiving any advice, medication or treatment for the condition.
Fixed Moratorium is the more lenient option but is no longer offered by many insurers. While all of your conditions in the last 5 years will still be excluded, your insurer will consider adding the cover after 2 years with the policy regardless of whether you have received treatment for them.
There is no type of underwriting that is necessarily better than the other, but one might be more suitable for you. Whether you choose Full Medical or Moratorium Underwriting will depend on your circumstances.
Will my Private Medical Insurance Premiums Change?
It is very likely that over time the cost of your PMI premiums will change. This is because at the end of every year, your policy is renewed and your premiums will be changed to fit your new circumstances as well as your insurer's new circumstances.
Some of the main reasons why you may see your Health Insurance premiums increase are as follows:
- Medical inflation
- Your increased age
- Your increased risk of claiming for expensive treatments
- Potential increase in Insurance Premium Tax (IPT)
- You have recently claimed on your policy.
If you've found your premiums have increased significantly compared to last year and you aren't happy, simply give us a call on 02084327333 and we will do our best to help manage the cost of your premiums without sacrificing your medical insurance. If we can't reduce the cost, we'll help you shop around for a more affordable policy by comparing quotes from the UK's top providers.
Nadeem Farid
Employee Benefits Consultant at Drewberry
How Do Private Health Insurance Claims Work?
One of the most confusing areas for people who don't know how Private Health Insurance works is how people make a claim or what happens when they claim.
How Do I Make a Claim?
Step 1
If you have a medical condition that you think you may require treatment for, visit your GP to receive a diagnosis.
Step 2
If your GP recommends you for treatment, get an open referral from them. This can be used to find the right private facility to provide your treatment.
Step 3
Contact your insurer to make a claim. When you first take out your policy, they will provide you with the contact information of their claims team or direct you to an online claims form for you to fill out.
Step 4
Give your insurer your policy number (which can be found on your policy) as well as the information they require about your condition and your referral from your GP.
Step 5
If your claim is approved, your insurer will either recommend a specialist to you or you can use your referral to find an approved specialist yourself.
Step 6
Your insurer may provide you with some form of proof that your claim has been accepted (e.g. a letter or a code) that you should take with you when you go for treatment.
Step 7
Book the necessary appointments and undergo your treatment.
Step 8
After your treatment, the bill will go to your insurer to either be paid in full by them or to have their share of the costs paid for, minus any excess you must pay.
How to Apply for Private Medical Insurance
When looking at Health Insurance policies and providers, these are the things you need to consider:
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Find out what you want from your policy and what you can afford.
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Collect and compare online health insurance quotes from UK's leading providers to find out what they will cover and how much it will cost.
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After choosing your provider and policy, complete an application over the phone, online, or in person.
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Finding the Best Private Medical Insurance policy involves a lot of comparing and shopping around. It's a process that shouldn't be rushed, but we're here to take the weight off your shoulders.
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Employee Benefits Consultant at Drewberry
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Private Health Insurance can be a complicated protection product to purchase because there are so many different options available. That's why it is worth it to get Private Health Insurance advice from experts.
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In a randomised experiment, researchers incentivised rural Bangladeshis to migrate temporarily to cities during the annual 'lean season'– when incomes drop and families go hungry. The families of these seasonal migrants spent significantly more and consumed more calories than families in the control group. The programme is now being scaled up in Bangladesh and expects to benefit 300,000 households per year.
What is the challenge?
Rural families in agriculture-based economies often experience seasonal hunger and extreme poverty each year during the 'lean season' between planting and harvest, when food prices go up and jobs become scarce. In the worst-affected region of Bangladesh, during the annual seasonal famine, incomes decrease by 50-60% and spending on food drops by 10-25%. Migrating temporarily from rural to urban areas for a few months at pre-harvest time could help to mitigate these effects. But people living close to subsistence are often unable to migrate given the costs and the risk that they might not find employment in the city.
Addressing the problem
Between 2008-2011, a randomised experiment tested an innovative strategy to address seasonal poverty in Bangladesh. To encourage temporary migration, the project offered households in 100 villages a subsidy worth 650 Taka (about USD 8.50) – enough to cover the cost of a round-trip bus fare to nearby urban areas that do not experience the same seasonal fluctuations in job opportunities.1
Research results:
- Increased migration. The migration subsidy increased the migration rate from 34% in control villages to 57% in treatment villages.
- Increased consumption. Migrants' family members benefitted from increased household spending and a 550-700 increase in calories consumed per person per day — an increase of 30-35%.
- Lasting effects. Based on follow-up surveys one and three years later, households that received a migration subsidy were 8 to 10 percentage points more likely to continue sending out a temporary migrant, even after the subsidy program stopped. This suggests they experienced benefits from migration and built a link to future employment opportunities at the destination.
Impact on policy:
The migration subsidy programme 'No Lean Season' is now being brought to scale by Evidence Action, and international NGO based in the US, and RDRS, an NGO in Bangladesh. By 2018, it is expected to directly benefit more than 300,000 households each year. A pilot is also underway in Indonesia.
With an estimated 300 million rural poor affected by seasonal hunger globally, the solution of seasonal migration has potential to be scaled up to mitigate the negative effects of seasonal famine and improve livelihoods. This potential exists in areas where there are: seasonal fluctuations in consumption and hunger due to agricultural crop cycles, large populations living close to subsistence who cannot afford the costs and risks of migration, and cities in the region with low-skilled, temporary job opportunities.
- Find out more
- Encouraging seasonal migration to mitigate the consequences of a seasonal famine in rural Bangladesh
Ahmed Mushfiq Mobarak, Shyamal Chowdhury, Gharad Bryan, and Jashim Uddin
- Policy brief: Encouraging seasonal migration to mitigate the consequences of a seasonal famine in rural Bangladesh
Mushfiq Mobarak, Gharad Bryan and Shyamal Chowdhury
- Brief: No lean season: Reducing seasonal poverty
- Academic paper: Underinvestment in a profitable technology – the case of seasonal migration in Bangladesh
Gharad Bryan, Shyamal Chowdhury, and Ahmed Mushfiq Mobarak
- Encouraging seasonal migration to mitigate the consequences of a seasonal famine in rural Bangladesh


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The One Condos has an outstanding perfect walk and transit score of 100 out of 100. Being at the center of it all where there are the highest pedestrian and vehicle count in all of Toronto, The One Condos is set to be truly a point of convergence. All of Downtown Toronto will be accessible from The One Condos. There is a direct access to the Bloor-Yonge Station and just 15 minutes away would be the Four Seasons Centre, Rogers Centre, Art Gallery of Ontario and the Air Canada Centre.
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Naga Chaitanya is on the new cloud after having back to back successful films. His last two films, "Premam" and "Sahasam Swasaga Sagipo" were appreciated by the public and critics. Naga Chaitanya is busy shooting with this beautiful actress for her upcoming film. This film still as a film is directed by Kalyan Krishna of "Soggade Chinni Nayana" renowned.
Kalyan Krishna is busy directing Naga Chaitanya and Rakul Preet Singh for some important scenes for their project. Rakul Preet took him to his twitter official account and tweeted, "Indian Paradise! #vizag #beautiful #shoot #nature # chay13. "Rakul Preet is the rising star of today, and after two successes of blockbuster in 2016," Sarrainodu "and" Nannaku Prematho ", she finds her new film" Dhruva ", which leaves on December 9, 2016, Warning.
Nagarjuna is financing the untitled film of his son Naga Chaitanya under the Annapurna Studios banner. Rockstar Devi Sri Prasad is composing music. While, the story of the film is said to be based on Nagarjuna super movie hit "Ninne Pelladatha".
Just like Nagarjuna, his son Naga Chaitanya turns out to be a romantic hero and action too. This untitled project is currently in the pre-production phase. Other details of the film are still to be announced by the team.


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07 Jul Food. Family. Fun.
Our last week here in the beautiful Fla Keys has been nothing but food, family, and fun. In no particular order though. We decided to rent a car and head up to Miami to pick up Jess and her friend Paige. Holiday weekend in the Keys was no easy drive back. Well for some it may have been (i.e. Baxter). The normal Miami to Marathon drive should take about 1.5 hours, but try more like 3 on July 4th weekend. Since the drive was so brutal we had to take a lunch break at Alabama Jacks on Cardsound road (totally worth the detour for those of you driving to the Keys).
Before I get into the complete nitty gritty of what we provisioned for in Miami, I'd like to share our adventures here in Marathon and Key West. I'm proud of the girls for packing light (small carry-on size luggages) but they didn't go light in the diva category. Living on a boat means hot dingy rides to and from shore and walking (we don't own a car). But they survived and were already talking about visiting us again one day soon, in the Bahamas! Yay:)
Day 1 consisted of snorkeling and adventuring. We went out to Sombrero Key and then explored Pigeon Key. Sombrero has mooring balls so luckily we had the dingy in tow for me to snag one in between the big commercial boats coming in and out. Water was clean and cool, and the visibility was about 50 feet. Sunday funday ended with a dingy ride dinner trip to Burdines. Burgers and fries never tasted so good after a day out on the water.
Day 2: Key West here we come. But we have to find a way to get there, right? Wake up, pack a smaller bag, and walk to the bus stop. Board the bus for 4 bucks one way (Lower Keys Shuttle). This was Jess' first trip on public transportation and she wasn't aware of rule #3,312 for public transportation. You don't make eye contact with people you don't know. Well she did. The guy who lives in the mangroves who had 6 trash bags of items took a seat next to her and talked for 20ish minutes about how he feeds and talks to 36 species of birds daily. Sweet guy but I like to take transportation in silent.
Due to it being 112 degrees here, a day wouldn't be a well spent day in Key West if it wasn't at Dantes. Pool, bar hopping, and eating topped off our trip to Key West. The girls had a blast that even ended in pizza at 2:30 am. Us other two peeps were in the room asleep. We even missed fireworks because we were having some yummy, local Cuban food at El Siboney.
I think the girls enjoyed Key West so much I may have even overheard them planning their future bachelorette parties there one day. Hell yes that's a good idea!
Back to Miami to drop Paige and Jess off at the airport. We then trucked to the Florida City Walmart. We have been provisioning more or less every time we went to the store so we would not have a $1,000 grocery bill like our friends Bob and Shannon did. They have a 34 cat and are going to buddy-sail to Bimini with us. Thankfully ours was only 150.00. But in case anybody is wondering what our vessel has for provisioning, here it is:
- 6 cases of beer
- 15 bottles of liquor (you have to be prepared for rainy days and sundowners)
- 6 bottles of wine
- 100 lb of ice (we have 2 Yetis, 105L and the Roadie (20L))
- 2 or more months supply of food- i.e. lots of rice, grains, frozen and canned veggies, sauces, some meats, paper products
- 212 gallons of water (water actually cost in the Bahamas starting around .25/gallon)
- 70 gallons diesel
- 22 gallons gasoline
Since we are on the topic of counting and I get this question a lot, I'll share how many clothes I have on board. My stuff is spread out more so than Randy's and I can already tell, I have way too much.
- 10 bras (including the comfy elastized ones)
- 7 socks
- 14 pair of running and "sailing" shorts (all Lululemon-breathable and don't stink)
- 9 casual shorts (white, denim, patterned etc-ones I would wear out to dinner)
- 10 tanks top to wear around town
- 17 tank tops for working out (ridiculous, I know)
- 10 sports bras
- 14 yoga pants (yet to wear one, I practice in shorts since SOO hot)
- 10 long sleeve tees (another thing I have yet to touch)
- 3 hoodies (now I'm sounding crazy)
- 10 dressy/dinner type tops
- 8 dresses including shirt-type cover ups
- 2 pairs of jeans
The more I see this, the crazier I think I am. Especially considering we don't have washing facilities on board. We visited a fluff and fold today spending 40.00 bucks getting our laundry done. It almost was worth since we had so much to do traveling and provision wise. Next post will be about how we do actually do laundry on the boat when we choose to.
Everyone please pray for fair winds and light seas as we depart Saturday to cross the Gulf Stream to Bimini. We can't wait! When we got married 4 years ago I was naive enough to say I never wanted to have another job or wanted to move anywhere. Well here we are living in the Keys and then to the Bahamas for the next 3-4 months. So far enjoying every minute of it and wouldn't change it for a thing. Here's to many more adventures and I sure hope these articles/post inspire some of you that living in a small space and traveling can be done.
First person to comment below identifying where this business card is gets a handwritten postcard from us! Don't forget that if you find any of our stickers in bars and streets in Key West or Bahamas, post a pic of you by the sticker on social media, and we buy you a beer or two. Happy searching and we'd love to hear from you all. See everyone on the other side of the Atlantic…


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What Marketers Are Talking About - October 2013
Why marketers should look beyond "last click" metrics
"Last click" attribution models can offer a misleading picture of advertising return.
How Dell is using social media to deepen relationships and build trust (Video)
Liz Brown Bullock on Dell's journey to use social media to build trust and authentic relationships with its customers.
Q&A with MSI's Executive Director Kevin Lane Keller
Keller is an international leader in the study of brands and coauthor, with Philip Kotler, of the best-selling textbook, Marketing Management.
Does crowdsourcing produce more-innovative ideas?
Social networks—which typically have dense, tight interconnections—may not be optimal for truly innovative idea creation.
Corporate social responsibility in B2B companies
Carefully targeted activities can raise organizational customers' trust and identification, both of which foster customer loyalty.
Don't overlook your revenue leaders' social value
Your top customers may influence other highly profitable customers in their networks.
Creating empathy and intimacy in the digital media age (Video)
Carl Marci, Innerscope Research, explores how biometrics can inform and offer insights to companies.
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Anecdotally, professional consumers express that, in comparison with C. indica, C. sativa is likely to generate much more of a "higher" and also a euphoria that tends to supply a far more relaxed emotion. That change might be attributable to distinctive thc:cbd ratios in The 2 plant species. Normally, C. sativa has a higher concentration of thc; cbd predominates in C. indica1–4. Having said that, the purported dissimilarities in between The 2 crops might also become a consequence of different levels of other components for example terpenes and flavonoids1–four.
Underneath the conditions from the agreement, Novartis created a $5m upfront payment to GW Prescribed drugs and extra payments on accomplishment of acceptance and business milestones. GW Prescription drugs is intending to post regulatory apps in these countries.
In mild of the facts, consider for a instant the inconceivable potential of a cannabis-based combination therapy which could proficiently handle a large marketplace sign.
In order to avoid attainable subsequent recourse statements, the problem of assumption of charges should really consequently be clarified with the applicable insurance provider in advance of writing a prescription. A private prescription, exactly where the patient will bear the costs, could be issued Anytime.
Currently, cannabinoids are accredited for use in most cancers patients with nausea and vomiting which has not responded to usual therapy, and to encourage urge for food in patients with AIDS/HIV.
Patients who get cannabinoids at a constant dosage more than an intensive time frame usually develop tolerance towards the impairment of psychomotor efficiency, so that they can travel vehicles safely (e117).
ZYN002 is the main and, at this time, the only real artificial CBD, which happens to be a non-psychoactive cannabinoid. It has been formulated being a patent-shielded permeation-enhanced gel for transdermal delivery through the skin into the body's circulatory procedure which is in phase two medical progress. ZYN001 is usually a prodrug of THC that facilitates transdermal shipping throughout the pores and skin and in the circulatory technique via a patch. A section 1 scientific trial of ZYN001 is prepared to begin in 2017.
The use of cannabinoid therapies could possibly be powerful in strengthening quality of life and possibly modifying malignancy by advantage of direct results As well as in strengthening compliance or adherence with illness-modulating remedies including chemotherapy and radiation therapy.
Suffering remedy also poses a major challenge to wellbeing care industry experts as it often debilitates individuals in ways that hamper their day-to-working day operation, which, by extension, poses a large efficiency dilemma among U.S. citizens. In 2012, the yearly expense of suffering in America was estimated at among $560 billion and $635 billion-eclipsing the costs of national precedence overall health problems.
You should take into consideration these things in assessing the forward-looking statements bundled herein, and not position undue reliance on this sort of statements. The forward-wanting statements On this release are created as from the date hereof and NNW and FNM undertake no obligation to update these statements.
Dive into scientific enhancement problems, authorized hurdles, strengthening affected individual access and outcomes and study the point out of Issues and pathologies with possible cannabis-based treatment options.
CB1 is a receptor existing largely in our central nervous program that performs a task in nausea, vomiting, and stress, and is also the one which is impacted by cannabis and THC. CB2 is located in other overall body tissues and plays a task inside our immune technique.
During this review, therapy was in the beginning provided with weblink an entire plant extract to gather baseline facts. The treatment method was then recurring Together with the similar dose, but applying only an individual pure cannabinoid. The treatment was even more recurring utilizing an extract that contains both THC and CBD, which also supplied less suffering reduction as compared to the whole-plant extract.
"Offered the mounting scientific info documenting utilization of cannabinoids for treatment of gastrointestinal Ailments, we are extremely excited about the possible of VITA-a hundred and our cannabosides System to deliver a significant effect for these clients, encouraging them to stabilize their illness and prevent debilitating surgical procedures," he included.


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It's been two process of exile since 1999 one was forced on me, and from 2003 I decided to make it a self imposed exile away from my motherland ever since 1999, Making it a point of duty to visit home at intervals.
As one with the love of my homeland I visit home at every election, one to take part in the election and campaign for those I think can make a change, two to be a part of the movement that won't give up on Nigeria.
I still run a centre for self empowerment in Lagos and I am proud that the centre does not need me anymore as the good people who started it with me are not only making it viable but are taking it to the next level.
My recent trip to Nigeria is the most emotional of all. I could not but feel proud of the positive things taking place in Lagos State. I make bold to say that Lagos is cleaner and neater than Napoli (Naples) in Italy. But we need to do more, the slums need help.
The thrust of my visit home was not to see the city and the new cars that is now the craze of the new Nigerian upper class, or the massive European style malls springing up in Lagos, Abuja and Port Harcourt.
My visit was to see that Nigeria a lot of Nigerians don't want to see. I visited the villages, spending 20 of my 30 days in the hinterland.
I was in Shaki an exotic town in the west, Shalla a hilly piece of beauty on the Plateau, Ikare the land of my late dad and Kaiama in the Niger Delta and host of others.
On every occasion as I eat , sleep, drink, weep with those forgotten Nigerians,
I cannot but ask why leaders, rulers and the elite in Nigeria are so evil, why we mistake development to denote the number of cars we own, the number of times we visit Europe, the number of parties we host, the style of our mobile phones and not the future of our children and the underprivileged. Why are we the most religious in the world and yet filled with wickedness and class urban mentality.
Abuja is a scandal to our national psyche it shows how heartless we are, it is an example of how we can make Nigeria work if we want to make it work, but how those in power chose to create heaven in hell for comfort.
On one hand in Abuja you see a master piece were the ruling elite live in heaven, 10 kilometres to that heaven you see were the Rufais of this world drove the common man into slums, rather than build affordable estates for all, they build mansions for the thieves
I did visit a pal of mine, he is a good man but he is now a personal aid to the President, visiting him I asked how much he gets paid, two hundred thousand naira a month he said, unmm fair but he is being accommodated in Trancorp Hilton, he's been living in the hotel since October 2007 and guess what the federal government of Nigeria gets to pay the hotel forty nine thousand naira a night, what a waste.
I met some of my friends who are now senators, some in the house of reps and any attempt to draw their attention to the plight of our people in the hinterland was like me singing in welsh. One of them said to me " I beg Sankara e be like say u don too tay for abroad, look for contract and enjoy your life".
In fact a Senator from Kwara state, whose brother is now the Landlord of the State wrote me a mail on FB stating why don't u see anything good in Nigeria, how dare you say Abuja was built with blood oil money from the delta.
I left Abuja wondering how we got this characters elected or is it selected. In Abuja a friend of mine who lived in Houston USA met with me he was determined to make a change he said "Kay we can't leave the space for this charlatan's, you need to come back home" I left him thinking unmm what a great idea and I must say I admire his courage, leaving the comfort of the United States for Nigeria is a brave move and I hope we all follow his footsteps.
Nigeria is the best place in the world. Our people are strong, the common man never gives up and all we need is that leader with the will power to mobilize the good in us all, we must walk the walk and stop talking, we must stop those all night vigil in church and start doing God's work, we must stop the hypocrisy of life and live life.
I did not see a dying Nigeria, I saw hope, I saw a people ready to move but with weak leaders, rogues in government, I saw that young man with a masters degree in the palm Lagos, he works as a security Guard gets paid stipends but still hope for a better Nigeria, I saw that lady prostitute near Unilag who told me she is a final year law student but she is not going to give up on Nigeria, I visited friends in the public sector who have low expectation of today but great vision of a great Nigeria.
We can't but hold our leaders to account, as I leave Lagos for the UK, I took a final glance at the Lagos landscape and that message painted on the rainbow was Kayode Ogundamis you are more Nigerian than You are British. We must never give up on a better future for that contraption called NIGERIA.
By Kayode Ogundamisi
Wood green London
July 2008.
Convener: The Liberty Forum. UK


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Alan Jacobs
The protagonist of No Longer At Ease by the Nigerian novelist Chinua Achebe is a young man named Obi Okonkwo who has recently returned to Nigeria after taking a degree in English literature at Oxford University. Obi's interview for a civil service position turns into a discussion about books, . . . . Continue Reading »
The Decline and Fall of the British Aristocracy by David Cannadine Yale University Press, 813 pages, $39.95 As might be expected of a book whose title echoes Gibbon's magnum opus, David Cannadine's history of the British aristocracy since 1875 is long, exhaustive, wide-ranging, and . . . . Continue Reading »
Lately I've been noting an interesting linguistic phenomenon: the all-purpose word. You come across it most often in slang, especially the slang of children and adolescents. Take "narly," for instance—a word which, in my limited acquaintance, seems capable of an almost infinite range of . . . . Continue Reading »
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