text:
Association of PTPN22 1858 single-nucleotide polymorphism with rheumatoid arthritis in a German cohort: higher frequency of the risk allele in male compared to female patients
DOI: 10.1186/ar1945
© Pierer et al.; licensee BioMed Central Ltd. 2006
Received: 21 December 2005
Accepted: 23 March 2006
Published: 24 April 2006
The functional single-nucleotide polymorphism (SNP) of the gene PTPN22 is a susceptibility locus for rheumatoid arthritis (RA). The study presented here describes the association of the PTPN22 1858T allele with RA in a German patient cohort; 390 patients with RA and 349 controls were enrolled in the study. For 123 patients, clinical and radiographic documentation over 6 years was available from the onset of disease. Genotyping of the PTPN22 1858 SNP was performed using an restriction fragment length polymorphism PCR-based genotyping assay. The odds ratio to develop RA was 2.57 for carriers of the PTPN22 1858T allele (95% confidence interval (CI) 1.85–3.58, p < 0.001), and 5.58 for homozygotes (95% CI 1.85–16.79). The PTPN22 1858T allele was significantly associated not only with rheumatoid factor (RF) and anti-cyclic citrullinated peptide (CCP) positive RA, but also with RF and anti-CCP negative disease. The frequency of the PTPN22 1858T allele was increased disproportionately in male patients (53.8% compared to 33.0% in female patients, p < 0.001), and the resulting odds ratio for male carriers was increased to 4.47 (95% CI 2.5–8.0, p < 0.001). Moreover, within the male patient population, the rare allele was significantly associated with the HLA-DRB1 shared epitope (p = 0.01). No significant differences in disease activity or Larsen scores were detected. The results provide further evidence that the PTPN22 1858T allele is associated with RA irrespective of autoantibody production. The increased frequency of the risk allele in male patients and its association with the shared epitope indicate that the genetic contribution to disease pathogenesis might be more prominent in men.
Rheumatoid arthritis (RA) is a complex autoimmune disease with a strong genetic contribution to its pathogenesis. Studies on twins have shown concordance rates between 12% and 15% in monozygotic twins compared to 4% in dizygotic twins [1]. Calculations based on these data have estimated an overall heritability of about 60% [2, 3], indicating that genetic factors account for the majority of population susceptibility to RA.
The HLA-DRBI locus accounts for approximately one-third of the genetically determined susceptibility to the disease [4]. The identification of further RA susceptibility loci, both in candidate gene approaches and genome-wide linkage studies, was hindered in the past by difficulties to replicate such results in other study populations. Recently, however, an association between the minor allele (T) of a missense single-nucleotide polymorphism (SNP; R620W (rs2476601, 1858C/T)) in the protein tyrosine phosphatase non-receptor type 22 gene (PTPN22) and susceptibility to RA has been described [5]; this has been confirmed in several large cohorts of patients and controls [6–18]. Besides its association with RA, the PTPN22 1858T allele has been found to be associated also with type I diabetes, systemic lupus erythematosus and autoimmune thyroiditis, suggesting a genetic predisposition towards generalized T cell autoimmunity. The missense SNP lies within the first proline-rich domain of PTPN22 and results in the substitution of tryptophan for arginine at codon 620 (R620W) of PTPN22. The PTPN22 1858T variant has recently been described to result in a gain-of-function form of the enzyme [23], leading to stronger suppression of the early T cell activation process. Possible pathogenetic mechanisms implied by this finding include failure to delete autoreactive T cells during thymic selection or decreased activity of regulatory T cells.
The aim of this study was to analyze the association of the 1858C/T SNP with RA in a sample set comprising 390 German white RA cases and 349 healthy German white controls. In addition, the influence of the PTPN22 1858T allele on the clinical course of the disease and its relationship to gender, HLA DRB1, the presence of rheumatoid factor (RF) and anti-cyclic citrullinated peptide (CCP) antibodies was explored.
Materials and methods
RA-susceptibility cohort and control subjects
DNA was available from 390 RA patients and 349 population control subjects. All RA patients satisfied the 1987 American College of Rheumatology criteria for RA [24]. Of the RA patients, 83.3% had demonstrated erosions and 74.6% were RF positive. The median age at onset of RA was 47.0 years (interquartile range 37 to 59 years), the median disease duration was 12.5 years (interquartile range 9 to 22 years) and 76.1% of the RA patients were female. HLA DRB1 high-resolution genotyping was performed to define the shared epitope (SE) positive DRB1*04 alleles *0401, *0404, *0405 and *0408. In the ethnically very homogenous German population, the alleles DRB1*0102 and *0103 are extremely rare. Therefore, all individuals positive for DRB1*01 in low resolution typing were considered SE positive, as were all DRB1*10 positive individuals. DRB1*1402 did not occur in the study population. HLA genotyping revealed that 30.3% of the patients had zero copies, 42.6% had 1 copy, and 27.1% had 2 copies of the shared epitope.
Control subjects with no history of inflammatory arthritis were recruited among healthy blood donors and from general practice registers. All patients and controls were white subjects of German origin without discernable ethnic variation. Control individuals were recruited with ethics committee approval and provided their informed consent. Among the 349 population-based control subjects, 223 (63.6%) were female and 57.3% had zero copies, 35.3% had 1 copy, and 7.4% had 2 copies of the SE.
The subgroup of patients (n = 123) who were analyzed for the influence of the PTPN22 1858 SNP on radiographic progression was recruited in the outpatient clinic of the Department of Medicine IV, Leipzig University, as part of a long term prospective observational study. RA patients with recent onset RA were enrolled at the first presentation to a rheumatologist. The median disease duration before study enrollment was six months. This study population was partially overlapping with patient cohorts reported previously, and the clinical and immunogenetic characteristics did not differ from those earlier reports [25, 26].
Genotyping methods
For genotyping, cellular DNA was isolated from 10 ml of peripheral blood using standard procedures, and 0.5 μg DNA were used in the PCR reactions. For the determination of the PTPN22 alleles, PCR-based restriction fragment length polymorphism (RFLP) analysis was performed as described previously [20]. Briefly, a fragment of the PTPN22 gene was amplified by PCR using the forward primer 5'-TCA CCA GCT TCC TCA ACC ACA-3' and the reverse primer 5'-GAT AAT GTT GCT TCA ACG GAA TTT A-3'. The C→T transition at codon 620 (NCBI refSNP ID: rs2476601) creates in the 1858T allele a restriction site for Xcm I. The polymorphism was identified by Xcm I (New England Biolabs, Beverly, MA, USA) restriction endonuclease digestion of the PCR amplified fragment. Each digestion was resolved on 3% agarose gel, stained with ethidium bromide and visualized by UV. Repeated typing was performed in 10% of patient samples, with identical results in all cases.
The genotype obtained by RFLP-PCR assay was verified in 12 randomly selected samples from each genotype by direct sequencing using the same primers (ABI 7000; Applied Biosystems, Foster City, CA, USA), and was confirmed in all instances.
For HLA-DRB1 typing, genomic DNA was PCR amplified using two primers specific for the second exon of DRB1 as described previously [26]. Low resolution typing of DRB1 specificities was performed by oligonucleotide hybridization of the PCR products to probes specific for DRB1*01 through *18. Hybridization was performed in a dot-blot format with digoxigenin-11-ddUTP-labeled oligonucleotides. After the stringent wash, detection was carried out using anti-digoxigenin antibody-alkaline phosphatase conjugate (Boehringer Mannheim, Mannheim, Germany) and CSPD (disodium 3-(4-methoxyspiro (1,2-dioxetane-3,2-(5'-chloro)tricyclo [18.104.22.168,7]decan)-4-yl)phenyl phosphate; Tropix, Bedford, USA) as chemiluminescent substrate. For DRB1*04 subtyping, primers and oligonucleotides were used as published previously [26].
Rheumatoid factor determination
RF values were determined by laser nephelometry according to the manufacturer's instructions (Dade Behring, Liederbach, Germany). In more than 90% of patients, repeated RF measurements were available. Individuals with values ≥40 IU/ml on at least one occasion were regarded as RF positive since this cutoff has been established by the central laboratory facility and is recommended for routine clinical use.
Detection of anti-CCP antibodies
A commercially available, second generation anti-CCP ELISA (Immunoscan RA2, Generic Assays, Dahlewitz, Germany) was used for the quantification of anti-CCP antibodies in patient sera. A cut off of 50 units/ml was used as a stringent criterion for anti-CCP antibody positivity.
Statistical analysis
Allele and genotype frequencies of PTPN22 1858T were obtained by direct counting. For allele and genotype comparisons, the chi-square test was used. Odds ratios (ORs) and 95% confidence intervals (95% CIs) were calculated according to Woolf's method. Differences in medians or means between groups were analyzed using Mann-Whitney or t test where appropriate. Multiple logistic regression analysis was performed to determine the influence of different genetic variables. The software used was the Sigmastat program (Systat 2004, Richmond, California, USA).
Genotype and allele frequencies of PTPN22 1858 T/C SNP in controls and patients with RA
Genotype frequency
Allele frequency
CT and TT
Controls (n = 349)
18.3 (64)
19.2 (67)
0.9 (3)
10.0 (70)
RA (n = 390)
33.3 (130)
37.9 (148)
4.6 (18)
21.3 (166)
2.23a (1.59–3.13)
2.57a (1.85–3.58)
5.58b (1.85–16.79)
2.43a (1.81–3.26)
All genotypes containing the rare 1858T allele were found at increased frequencies in RA patients. The CT and TT genotype was present in 37.9% of patients and 19.2% of healthy controls, resulting in an OR of 2.57 (95% CI 1.85–3.58, p < 0.001). Carriage of a homozygous TT genotype was associated with an even higher OR, supporting a gene dosage effect for the PTPN22 1858 SNP.
Genotype frequencies of PTPN22 1858 T/C SNP in RA patients, stratified by rheumatoid factor and anti-CCP antibody status
CT and TT
OR for CT and TT (95% CI)
RF+ (n = 291)
34.7 (101)
38.8 (113)
2.67a (1.88–3.79)
RF- (n = 99)
29.3 (29)
35.4 (35)
2.3a (1.42–3.72)
CCP+ (n = 193)
34.7 (67)
38.3 (74)
2.62a (1.78–3.86)
CCP- (n = 65)
35.4 (23)
38.5 (25)
2.63a (1.52–4.56)
Stratification of the patients for anti-CCP antibody positivity showed a similar association of PTPN22 1858T alleles with RA, irrespective of the presence of anti-CCP antibodies (ORs for CT and TT genotype were 2.62 and 2.63, respectively; Table 2).
Since genetic interactions between HLA and non-HLA loci have been described for susceptibility to RA and other autoimmune diseases [27], genotype distributions for the PTPN22 1858T SNP in subgroups stratified according to the number of HLA-DRB1 SE alleles were determined and compared to controls. In line with results reported previously, the presence of the HLA-DRB1 SE was found to have no effect on the association of the PTPN22 1858T allele with the disease, since the frequencies of the PTPN22 1858T allele in RA patients and controls and the resulting ORs in the subgroups with zero, one or two copies of the shared epitope were comparable (OR 2.15, p = 0.007; OR 2.59, p < 0.001; and OR 2.0, p = not significant). The loss of significance in the subgroup analysis of SE homozygous individuals is explainable by the small sample size.
Comparison of genotype frequencies for PTPN22 1858 SNP in patients with RA and controls stratified by sex
CT and TT
OR for CT and TT (95% CI)
Controls (n = 223)
17.9 (39)
18.4 (41)
RA (n = 297)
28.6 (85)
33.0 (98)
2.19a (1.45–3.31)
Controls (n = 126)
19.8 (25)
20.6 (26)
RA (n = 93)
48.4 (45)
53.8 (50)
4.47a (2.51–7.96)
To analyze the independent contribution of the genetic covariates to disease risk, multivariate analysis was performed. When the presence of SE, homozygosity for SE, the presence of the 1858T allele and homozygozity for the 1858T allele were entered in a multiple logistic regression analysis, all of the covariates with the exception of PTPN 1858T homozygosity exerted significant influences on the disease risk (OR 2.19, p < 0.001; OR 2.80, p < 0.001; OR 2.13, p < 0.001; OR 2.91, p = 0.10). In a second, separate analysis, the presence of RA associated DRB1*04 alleles and DRB1*01 alleles was entered in addition to the 1858T allele, while SE status was not included. In this logistic regression, both RA associated DRB1 specificities exerted independent significant influences on the disease risk (OR 3.23, p < 0.001 for DRB1*04; OR 1.95, p < 0.001 for DRB1*01), while the 1858T allele retained its significant impact (OR 2.22, p < 0.001).
Comparison of clinical and demographic features in PTPN22 1858T allele positive and negative RA cases showed no differences in the frequency of SE carriership, the concentrations of anti-CCP antibodies, the concentrations of IgM RF, the concentrations of IgA RF or the presence of erosions (data not shown). However, the median age at disease onset of patients carrying a PTPN22 1858T allele was 5.5 years younger compared to patients without such a genotype (CT and TT genotype 45.5 years versus CC genotype 51.0 years; p = 0.029), in line with a previously published report [9]. No difference in the disease duration between both groups was discernable (p = 0.69).
For a subgroup of the patient population, complete clinical documentation was available starting from the first presentation in a rheumatology department, because they had been part of a previously described prospective study for six or more years [25, 26]. In those 123 patients, the influence of the PTPN22 1858T genotype on the clinical course of the disease, including the radiographic progression, was investigated. C-reactive protein and erythrocyte sedimentation rate did not differ between the groups defined by the PTPN22 1858 SNP. In addition, no differences in the number of swollen joints at study entry and after two years were observed (data not shown).
Radiographic progression in RA patients according to the presence or absence of the PTPN22 1858T allele
CC (n = 78)
CT/TT (n = 45)
P value
Larsen score at study entry
0 (0–2.5)
0 (0–4.7)
Larsen score after 1 year
2.0 (0–12.2)
11.5 (0–20.0)
Larsen score after 2 years
10.0 (0–26.0)
18.5 (2.0–34.5)
Larsen score after 4 years
16.0 (2.0–30.0)
24.0 (4.7–41.5)
Larsen score after 6 years
22.0 (10.7–39.2)
37.0 (15.25–52.7)
The study presented confirms the association of the PTPN22 1858T allele with RA in a study cohort of white Germans. The genotype and allele frequencies in the healthy controls were comparable to those reported previously in populations from the US, Canada and Spain, and nearly identical to data reported from Great Britain and New Zealand [5–10]. However, the carrier frequency of the 1858T allele in RA patients was higher than in some of the published cohorts [5, 7, 8, 10], resulting in a somewhat higher OR for carriers to develop RA. Possible explanations include random fluctuation and differences in sample bias because the analyzed patient cohort is ethnically homogenous, was not recruited in a multi-center study, and is characterized by long disease duration before analysis.
In the first study showing association of the variant PTPN22 SNP with autoimmune disease, a gene dosage effect has been suggested, since individuals homozygous for the PTPN22 1858T allele were most likely to develop type I diabetes [20]. Our data, together with other reports, support this hypothesis since a substantially higher susceptibility to RA was found for individuals who were homozygous for the 1858T allele.
One important finding of the initial report about PTPN22 1858 SNP as a RA susceptibility locus was the limitation of this association to RF positive RA [5]. Subsequently, the PTPN22 1858T allele was found to be associated with RF negative disease in several studies [7, 8, 10, 13], while other studies reproduced the lack of association with RF negative disease [9, 11, 15, 18]. In the study cohort analyzed here, the PTPN22 1858T allele was associated not only with RF negative disease, but also with anti-CCP negative RA, which is in contrast to two previous studies [11, 18]. Sample bias as well as ethnic differences might contribute to these discrepancies. It needs to be emphasized, however, that our data confirm the association of the PTPN22 1858T allele with RF and anti-CCP negative RA in a patient cohort with longstanding disease and repeated RF and anti-CCP measurements, which makes it unlikely that conversion to RF positive and anti-CCP positive status could occur in carriers of the risk allele at later stages of the disease.
An interesting finding of the study presented here is the disproportionately high frequency of the PTPN22 1858T allele in male patients suffering from RA, which results in a higher risk to develop RA for male compared to female carriers. In the case control study from Spain, the risk allele was also observed in a higher frequency in male cases, but significance was lost after correction for multiple statistical testing [7]. However, a recent study of more than 4,000 patients from North America and Sweden has also demonstrated a significantly stronger effect of PTPN22 in males than females [18]. Different immunogenetic associations in male and female RA patients have also been described for several HLA DRB1 alleles [28, 29]. One possible explanation of these findings is that male and female RA are partially diverging disease entities, which has been suggested previously based on clinical observations [30]. Alternatively, environmental influences like smoking, which are regionally more frequently present in men [31], might contribute to a higher rate of disease development on a genetic background with a given disease susceptibility. Of possible relevance in this context is the association between the presence of the HLA DRB1 SE and the presence of the PTPN22 1858T allele exclusively in male patients in our study. However, the number of patients in this subgroup was small and the phenomenon has not been observed in previous study cohorts with larger numbers of male patients and, therefore, warrants further investigation.
With regards to the clinical implications of the presence of the PTPN22 1858T allele as a prognostic marker applicable in the clinical management in early stages of the disease, no significant differences were discernible. Nevertheless, non-significant differences in the course of Larsen scores over six years of observation indicate that a detailed analysis in larger prospectively followed patient cohorts might yield significant results. In a patient cohort from the UK, influences on disease severity have indeed been reported [9], although no such influence was observed in a recent study of an inception cohort with documented radiographic progression over four years [11].
The association of RA with a missense SNP in the gene PTPN22 could be replicated in a German population. The PTPN22 1858T allele was found to be associated with RF positive disease, but also with RF negative and anti-CCP antibody negative RA. In the male cohort, the PTPN22 1858T allele was present in more than half of the patients, suggesting that RA in men might be a clinically more homogeneous, genetically predetermined condition.
cyclic citrullinated peptides
confidence interval
odds ratio
protein tyrosine phosphatase non-receptor type 22
rheumatoid arthritis
rheumatoid factor
restriction fragment length polymorphism
shared epitope
single-nucleotide polymorphism.
We are grateful to the patients with RA, the control individuals, and the collaborating clinicians for participation in this study. The work presented here was supported by a grant from the Interdisziplinäres Zentrum für Klinische Forschung Leipzig, Teilprojekt A 21.
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Disney's Tarzan Untamed GameCube
- Publisher: Ubisoft
- Release Date: Nov 17, 2001
- Also On: PlayStation 2
- Critic score
- Publication
- By date
A good game for kids. Since that's the target for this title, then it gets higher marks than it would otherwise.
Visually, it does Disney's Tarzan justice. Unfortunately, Ubi Soft's final product is simply too short and shallow to justify a purchase for most gamers.
It leaves competent gamers feeling underwhelmed. It is worth a look for the younger crowd, though.
Rather short. It only takes a couple of hours to finish the entire quest and a few more after that to collect all the film reels.
As a guilty pleasure, Tarzan Untamed is actually addictive and fun with some fantastic graphics and incredible sound effects, but the underlying game is rather weak.
It is in essence, a very generic experience, which is shallow and unrewarding.
Awards & Rankings
#15 Most Discussed GameCube Game of 2001
User Score
Mixed or average reviews- based on 8 Ratings
User score distribution:
Positive: 4 out of 6
Mixed: 1 out of 6
Negative: 1 out of 6
HeleneM.Jun 4, 2004Fun but very very short.
JohnA.Jul 9, 2002If you only buy one game for the rest of your life, this is the one. Tarzan is the best game ever released, and probably ever to be released, If you only buy one game for the rest of your life, this is the one. Tarzan is the best game ever released, and probably ever to be released, unless they come up with a sequel. We can only hope.… Full Review »
MikeT.Jun 19, 2002Wow.

subset: commoncrawl


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Schneider placed on waivers
The Ducks placed Mathieu Schneider on waivers Tuesday in the latest chapter of a summer-long episode to move the veteran defenseman.
The team has been trying to trade Schneider, who carries a $5.625 million salary-cap hit this season, to get under the NHL's 2008 salary cap and free up money to sign Teemu Selanne.
Schneider signed a two-year, $11.25 million deal with the Ducks last summer but became expendable when Scott Niedermayer later returned to the team and decided to play this season as well.
Schneider, 39, had 12 goals and 27 assists with a plus-22 rating in 65 games in 2007-08.
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MSc Human Resource Management
This programme MSc in Human Resource Management is designed for students who wish a career in Human Resource Management and require a qualification which will assist them to gain entry at a professional level. By the end of this programme, students will have gained a broad knowledge of HR/managerial activities and some opportunities for greater specialism in particular HR areas. Great emphasis throughout the programme is on the translation of student learning to the work situation and the development of (HR) professional, managerial and transferable skills. Effort has been made to ensure students engage in 'real life' issues through, for example, case studies, investigative projects and exposure to best practice.
Why choose this degree
* Students can achieve a postgraduate diploma in one academic year or a Masters in one calendar year.
* The programme allows students to demonstrate deep knowledge and understanding of HR within a wider organisational and contextual framework.
* Great emphasis throughout the programme is on the translation of student learning to the work situation and the development of (HR) professional, managerial and transferable skills.
* Modules have a skills element which is assessed separately from written requirements. Effort has been made to ensure students engage in 'real life' issues through, for example, case studies, investigative projects and exposure to best practice.
* There is a period of work placement and an opportunity to 'add value' to the organisation through a management research project or dissertation.
* Varied teaching styles and methods are used in the programme which enhance the learning process encouraging students to be actively involved in reflecting on thier own learning experience.
* There is a constructive and positive staff/student relationship throughout the programme.
Industry Placements
A key feature of the programme is the work placement. Students are based in the HR function of an organisation in the public, private or voluntary sector. The placement is an integral part of the learning process where the student has the experience of studying, appraising and evaluating a particular human resource management issue. It provides a suitable means of both assessing the student's analytical skills and promoting a realistic view of organisations and their human resource management problems.
For the student the placement provides a valuable way of gaining some experience to discuss at interviews and demonstrate to potential employers that they have hands on experience and skills developed in a real environment. The organisation also benefits as a significant issue is investigated and they gain a report of value to them.
Programme Structure
The full-time Diploma programme runs over one academic year (September - June). Students can complete the Masters in one calendar year (Septemeber - September).
- People Management
- The HR Managers Environment
- Managing Information
- Managing Activities
- Principles & Practice of HRM
- Research Design
- Resourcing & Reward
- Employee Relations
- Learning & Development
- Employment Law
After completion of taught Diploma modules and the Research Design module, students will elect to:
Take the Management Research Report module, gaining the Diploma with CIPD accreditation. This is normally completed in semester B.
Go straight to the MSc Dissertation, gaining the MSc with CIPD accreditation. This is normally completed by September.
Both of these routes are CIPD accredited and lead to graduate membership of CIPD.
Students will be provided with an assignment schedule and assessment details at the beginning of each semester. The aggregate assesment load reflects the need to satisfy all requirements of a professional qualification and a postgraduate award. Skills assessments are based on the pass/not pass criteria and will not have a numerical influence on the final assessment. Students must pass the skills assessments before the pass the module.
Entry Requirements
Minimum requirements
A business or business related degree (e.g. psychology, sociology - with evidence of having completed relevant modules in these disciplines) from a UK university or equivalent. This should normally be an honours degree, although an ordinary degree would be acceptable if the applicant also has relevant work experience. or Post-graduate Diploma in another area (e.g. public management) or an MBA. or A Relevant HND in a business or business related area plus relevant experience or Following both CIPD and university policies on wider access candidates who do not meet standard entry requirements will also be considered. Applicants who do not meet any of the criteria above or who have lower levels of qualifications, such as the CIPD Certificate in Personnel Practice or Certificate in Training Practice will be required to demonstrate at least three years experience in a human-resource related occupation.
Accreditation of Prior Learning
Advanced standing operates in the following circumstances: Where there is evidence of completion of a like for like module at postgraduate level either from the CIPD or a CIPD accredited institution. Precise regulations on transfer from another CIPD accredited programme or nationally assessed centre are prescribed by CIPD. Students wishing to transfer into our programme are advised to contact the CIPD Membership Development Team on 0208 263 3353. or Where there is evidence of completion of the 'leadership and management' standards in an MBA or equivalent post-graduate management related course, a candidate might also qualify for direct entry into the course.
This will largely depend on being able to document and convince the admissions tutor of the direct relevance of the courses studied. (These students still have to take the Principles & Practice of HRM module and the Employment Law module) There is no other advanced standing route in the programme.


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Gene Larew Mega Ring Tube 4.5" 10pk
The Gene Larew Mega Ring Tube is a new take on the classic tube design. Tubes are one of the most enduring and effective baits in bass fishing, deadly year around across the Country, and the Mega Ring Tube takes it a step further. It's ribbed, over-size body gives it a bulked up profile and the ribs also trap air for a slower fall, maximizing your time in the strike zone. Available in a range of proven colors, the next time you need something a little different from your average tube, tie on the Gene Larew Mega Ring Tube. You won't be disappointed.
8 Colors
More From Gene Larew Soft Baits
Customer Reviews
Comments: Well I ordered some of these because I was looking for something different to throw in the over pressured local waters. I have to say I seem to think they have gotten me some bites I might otherwise have not gotten. I've also missed a few. The garlic scent is readily observed and when rigged straight, they have a nice fall. I also find them to be soft & subtle, but very durable. I ordered two packs as a trial and have ordered five more because I think they will become my go to flipping, pitching & punching bait.
From: Bill: USA 5/29/16


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The Alliance seeks highly motivated and energetic individuals with skills, experience and interest in Health IT and Quality Improvement who share our values and mission. Specific opportunities will be posted on the website. Specific or general letters of interest can be forwarded to: firstname.lastname@example.com
Open Positions:
Clinical Application Developer
Clinical Implementation Specialist
Most volunteer activities take place at the Alliance's four member Centers.
For details contact the Centers directly by clicking on the links below.
Erie Family Health Center www.eriefamilyhealth.org
Heartland Health Outreach www.heartlandalliance.org
Howard Brown Health Center www.howardbrown.org
Near North Health Service Corporation www.nearnorthhealth.org


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What Would Make You Leave Your Partner?
See the full results of the global poll.
In this month's global survey, domestic abuse is hands down the No. 1 choice in 10 of 15 countries. In the remaining five countries, respondents say that infidelity would drive them out the door. Across the world, the numbers show that men and women are more forgiving of their partner's personal problems—not one country offered up job loss or substantial weight gain as the main reason to call it quits. The top two results actually reflect what experts routinely cite as major reasons for divorce internationally.
Content continues below ad
France 67%
Australia 57
Canada 57
Netherlands 55
Russia 49
Brazil 48
Malaysia 48
Germany 39
In France, only 3% of those over 45 would leave if their partner had an affair. While in Mexico, 70% of older respondents gave infidelity as their top reason for saying adiós.
Infidelity was the No. 1 response in:
Mexico 64%
China 57
Philippines 50
South Africa 49
India 39
Infidelity is men's No. 1 reason to split in 12 of 15 countries. This is particularly true in Mexico (71%), China (70%), and the U.K. (70%).
Money Isn't Everything
According to most respondents, job loss doesn't equal love lost: In 11 of 15 countries, it ranks rock bottom. The exceptions are China, Malaysia, South Africa, and India, which has the highest number of respondents (19%) who'd leave if their partner got the boot.
Weighing The Options
In most countries, fewer than 10% of respondents gave weight gain as a reason to leave their partner. The countries that seem to care more about packing on the pounds? Germany (20%) and France (13%).
Germans are obsessed with being slim. [But] gaining weight would not alter his character!
—Margot Schlageter, 65, Schwäbisch Gmünd, Germany
Weight gain, unemployment, and even infidelity can be turned around; abuse never gets better.
—Shannan Hearne, 41, Clover, South Carolina
I would leave my partner if she had an affair. Every day, I'd be paranoid she'd cheat on me again
—Roderick G. Raymundo, 41, Taguig City, Philippines
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Just found the worst page in the entire dictionary. What I saw was disgraceful, disgusting, dishonest, and disingenuous.
Client: We need you to log in to the YouTube and make all our company videos viral.
From clientsfromhell.net
My cat just walked up to the paper shredder and said, "Teach me everything you know."
"Just because you can't dance doesn't mean you shouldn't dance." —Alcohol
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My parents didn't want to move to Florida, but they turned 60 and that's the law.
—Jerry Seinfeld
Q: What do you call an Amish guy with his hand in a horse's mouth?
A: A mechanic.
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All Bridesmaids Should Agree to Follow These 11 Little Etiquette Rules
There's a lot more to being a bridesmaid than wearing a pretty dress and standing behind the bride. Nowadays, bridesmaids are expected to be there for every step of wedding plan, the bridal shower, bachelorette party, and more. Being a bridesmaid can end up being a lot of work, not to mention expense. Here, experts weigh in on the top tips for being a fabulous bridesmaid.


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Items tagged with Instant-Video
Amazon Inks Deal with NBCUniversal to Deliver More of Your Favorite Shows Via Amazon Prime Instant Video
Today, there's one more small reason to ditch satellite or cable; Amazon has agreed to a distribution deal with NBCUniversal Cable and New Media Distribution that will bring a host of popular shows to Amazon Prime Instant Video. Now, Amazon Prime subscribers can stream hundreds more programs, including Battlestar Galactica, Friday Night Lights, Parks and Recreation, and more. According to Amazon, this deal brings the total number of available films and television episodes available to Prime members to over 22,000; this is in addition to the approximately 120,000 titles available to non-Prime... Read more...


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35,000 more NYC-area buildings in flood zones
Associated Press
NEW YORK (AP) – Twice as many homes and businesses in and near the city would be in flood zones under new maps that may force more property-owners to buy flood insurance, complicate post-Superstorm Sandy rebuilding for some and confront others with the choice of building higher or paying considerably more for insurance.
The Federal Emergency Management Agency released the revised maps Monday. They're preliminary but will likely become a basis for changes to building laws and insurance requirements in coming years.
"What we're trying to do is provide the means, immediately, for people who want to move forward now to be able to do so," city Deputy Mayor Cas Holloway said. And for everyone else, he said, the information provides "time to think and plan what kind of changes they would want to make."
The maps represent one of the first concrete signals of how officials will carry out vows to rebuild smarter after Sandy and what that will mean for property owners.
Under the new maps, Jim Donovan's home in Brooklyn's Gerritsen Beach neighborhood needs to be 11 feet above sea level to avoid flooding in the so-called "100-year" storm _ one so strong it's given a 1 percent chance of happening in any given year. Donovan, whose basement took on more than seven feet of water during Sandy, says he thinks his ground floor clears the 11-foot mark, but he's concerned for neighbors whose homes sit lower.
"Where are these people going to get the money from to raise their homes? And if they don't raise their homes, then how are they going to get insurance? And if they can't get insurance, what happens to their mortgage?" said Donovan, a construction manager. "… It's complicated, to say the least."
Overall, the flood zones now cover 35,000 more homes and businesses, sweeping up more of the coastline and reaching farther inland. In Brooklyn, for example, the Seagate, Brighton Beach and Manhattan Beach neighborhoods are now included alongside already designated areas like Coney Island.
While the expansion is striking, after Sandy, "it's good to have a map like this, to be guided accordingly," said Borough President Marty Markowitz.
And the maps_ available on FEMA's website _ so far address only Brooklyn, Staten Island, Queens and suburban Westchester County. Maps for the rest of the city are expected next month. Long Island's maps were updated in 2009.
The current flood maps for the city date to the 1980s. A revision was already planned before Sandy, but the Oct. 29 storm "created an urgency for us to do it," said Michael Byrne, who's overseeing FEMA's Sandy response in New York state. The storm devastated sections of Staten Island, Brooklyn and Queens, swamped lower Manhattan and flooded some areas that had been expected to stay dry.
A roughly two-year review is expected before new maps become official. The impacts vary by property, depending on topography and the present height of a building's ground floor.
Some "might already be safe … but there are going to be plenty of cases where people have to bring their homes up higher," said Jon Janowicz, a FEMA official working on the mapping project.
The costs aren't immediately clear and likely will vary depending on the type of building and other factors. Officials said they were working to determine what government help might be available.
For many property owners, the difference between the old and new flood lines is three to six feet. That means new construction eventually will probably have to be set three to six feet higher than what is currently required, since the city is expected to revise building laws to reflect the new zones.
That's not likely to happen for a couple of years, but city officials are working on a plan to allow and encourage Sandy-damaged property to be rebuilt at the new level, Holloway said.
Some new projects were already being revised in anticipation of the new maps. Developers of a massive Ferris wheel, outlet mall and hotel on Staten Island, for instance, began planning after Sandy to move the project up a few feet.
But higher elevation requirements could be another hurdle for people struggling with whether to fix their properties, Staten Island Borough President James Molinaro said. Some of his constituents' mortgages were under water before their homes were; some have older homes that might not withstand being lifted, he said.
"It's not as simple as you might think: `OK, we'll get the house, we'll pick it up, we'll put four studs underneath, and you're in compliance,'" he said.
The new maps may have expensive effects even for properties that weren't inundated by Sandy.
An expanded flood zone means more owners may have to buy flood insurance; it's generally required for properties with federally backed mortgages.
And those who already have flood insurance could pay substantially more for it if their properties sit below the new flood levels. Under changes to the federal flood insurance program last year, owners of a $250,000 home with a ground floor three feet below the flood level would pay $9,500 a year, compared with $1,410 for a house at the flood line, according to FEMA, which administers the flood program. The increases are to be phased in over five years for existing buildings, after new maps are formally adopted.
(Copyright 2013 The Associated Press. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.)
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Hello and Aloha
Welcome to to Foster Law Offices. We are a personal injury, business, real estate, and bankruptcy law firm with offices in both Hawaii and Washington.
Our website is here to provide you with information about our law practice and what you can expect when you retain Foster Law Offices to represent you in your legal matter. Founded in 2003 by attorney Jeffrey E. Foster, Foster Law Offices puts Mr. Foster's legal expertise and highly competitive spirit to work on our client's behalf to provide superior legal representation in the areas of personal injury, business, bankruptcy, and real estate law. Representation in civil litigation matters is accepted on a case-by-case basis.
Our Philosophy
At Foster Law Offices, we are not motivated by the recognition we receive from our peers or the praise of a judge or juror. Our sole motivation is to obtain the best results for our clients. Whether it's a lucrative settlement, a hard fought bankruptcy discharge, reorganization or litigation victory, or a successful closing in a real estate sale or acquisition, we work tirelessly to engineer the quality results you deserve.
Our formula for success is fairly straightforward: listen, listen, and listen more to our clients. As attorneys, the majority of our time is spent communicating. However, lawyers can spend far too much time talking and not enough time listening when it comes to client communication. We strive to reverse this trend by making your voice the priority in our conversations.
We understand that by carefully listening to our clients, we gain a thorough understanding of not only the facts of a client's case or transaction but also the client's specific objectives in the representation. By arming ourselves with this understanding, clients gain a better understanding of their legal options and we become more informed and better prepared advocates.
Get to Know Us
We welcome you to peruse our website in order to gain further insight into how we may be able to assist you in obtaining the best for you in your legal matter. Below you will find a brief overview of our practice areas. Additional information can be found by clicking on the page links located on the top and side of the page.
If you would like to discuss your specific legal needs with an attorney at Foster Law Offices, we can be reached by phone at (808) 348-7800 in Hawaii, or (206) 903-1836 in Washington State, or if you prefer to submit your inquiry in writing, please email us at: email@example.com.
Practice Areas
~~~ Personal Injury ~~~
Overview of Personal Injury Law:
Personal injury is a term used by lawyers and the courts to describe a legal claim whereby one person becomes entitled to a financial settlement based on an accident caused by another person. A personal injury case usually involves an accident caused by a careless or negligent act resulting in an injury. The injured victim of the accident gains the right to assert a claim against the careless person for various financial losses sustained by the injured victim as a result of the accident.
Our personal injury practice is devoted to the representation of people injured based on the carelessness of others. When a person is injured in an "accident" caused by someone else, the victim is entitled under both Washington and Hawaii law to various types of financial compensation.
~~~ Our Bankruptcy Practice ~~~
Bankruptcy is a formal legal process in which individuals and businesses can request that their debts be discharged or reorganized by filing and pursuing a bankruptcy case with the United States Bankruptcy Court. Bankruptcy is a series of federal laws located at Title 11 of the United States Code (USC).
The bankruptcy code is further broken down into chapters under which individuals and businesses can file for relief. The three chapters utilized most often by bankruptcy filers include Chapter 7, Chapter 11 and Chapter 13.
Types of bankruptcy cases we handle:
Our bankruptcy practice is devoted to representing individuals and businesses seeking protection from creditors under Chapter 7, Chapter 11 and Chapter 13, as well as the representation of bankruptcy trustees and creditors seeking to enforce their rights in a bankruptcy proceeding. We also represent a wide array of clients in lawsuits filed in bankruptcy cases (called adversary proceedings).
The Automatic Stay:
When a bankruptcy case is filed, federal bankruptcy law mandates that most creditors must refrain from continued collection efforts outside of bankruptcy court. This means that most creditors are prohibited from making threatening phone calls, letters and all other means by which such creditors attempt to collect on a debt.
Additionally, if a lawsuit, judgment, garnishment or other formal legal action has been initiated by a creditor in state or federal court, bankruptcy law requires (most) creditors to immediately cease and desist from undertaking any further legal action in any court other than the United States Bankruptcy Court.
For individuals or businesses seeking to file a bankruptcy petition to stop collection efforts and/or a pending legal action, it is quite important to consult an attorney experienced in bankruptcy law to determine whether the automatic stay can provide you with protection from creditors. Although most debts are subject to the automatic stay, there are many debts to which no protection is afforded.
Chapter 7 Bankruptcy:
A Chapter 7 bankruptcy case is the most common type of bankruptcy. In most cases, the Chapter 7 case lasts between 80-100 days from the filing date. Although many Chapter 7 cases are what are considered "no-asset" cases, there are numerous cases where an individual or business's assets are liquidated by a bankruptcy court-appointed trustee.
Assets may be liquidated in a Chapter 7 case where the asset is: (1) Not secured by a loan and (2) Not protected by an exemption. A Chapter 7 bankruptcy trustee also may liquidate assets transferred prior to a bankruptcy filing.
Unfortunately, not everyone qualifies to file a Chapter 7 bankruptcy case. Since October 2005, individuals who seek to file for Chapter 7 must pass an eligibility test called the means test if the individual's debt consists primarily of consumer debt. Individuals with "non-consumer" debt or businesses organized as corporations or limited liability companies are not required to file a means test.
Unlike the means test, which analyzes income earned prior to the bankruptcy filing, those desiring to discharge debts in a Chapter 7 case must also undertake a current income/expense inquiry. The income/expense test is found in bankruptcy schedules I and J, respectively, and analyzes current income and the expenses that will be incurred on a monthly basis after the bankruptcy is filed.
It is of vital importance to consult with an attorney experienced in both eligibility tests before filing a Chapter 7 bankruptcy case.
The benefit to filing Chapter 7 is the elimination of (certain) debts. This debt elimination benefit is called the "Discharge". The Discharge is a bankruptcy court order signed by the Bankruptcy Judge assigned to the Chapter 7 case, which absolves the Chapter 7 filer of her or his legal obligation to repay certain dischargeable debts. Debts eligible for discharge in Chapter 7 include:
· Credit Cards
· Medical Bills
· Mortgage debt for those who do not wish to retain real property
· Auto Loan Repossession Judgments
· Utility Bills
· Collection Agency Accounts (unless the collection agency is collecting on behalf of a creditor who's debt is non-dischargeable such as a student loan, parking ticket or traffic ticket)
· Business Debts (unless based on fraud or another non-dischargeable claim)
· Attorney's Fees (unless based on child support/alimony award)
· Auto Accident Claims (unless based on drunk or drugged driving)
Currently, there are 19 types of debt that cannot be discharged in a Chapter 7 case. A list of such debts can be found at 11 U.S.C. 523, but below are some of the types of non-dischargeable debt:
· Student Loans
· Child Support, Alimony or in connection with a separation agreement, divorce decree or other court order regarding the same
· Restitution
· Taxes incurred during certain time periods prior to filing
· Homeowner's (HOA) Dues incurred AFTER the filing of the Chapter 7 case
· Debts based on fraud, deceit or breach of fiduciary duty
· Traffic tickets, driving infractions parking tickets and other fines owed to a governmental agency
· Debts for "luxury goods or services" incurred on or within 90 days before filing the Chapter 7 case
· Cash advances aggregating more than $750 on or within 70 days before filing the Chapter 7 case
Chapter 13 Bankruptcy:
A Chapter 13 bankruptcy case involves a reorganization of debt. Chapter 13 is available to individuals only. Businesses are not eligible to file a Chapter 13 case. The most common type of Chapter 13 filing is the "home saver" plan.
In Chapter 13, an individual may propose a plan to avoid foreclosure repay a mortgage lender or servicer the monthly mortgage along with any missed mortgage payments spread out over a period of 36 or 60 months. For example, if an individual files a Chapter 13 and has a monthly mortgage payment of $2,000 per month and has $60,000 in missed payments (called arrears) owing to the mortgage creditor, the mortgage payment in Chapter 13 would be $3,000 per month (i.e. $2,000 monthly payment + $1,000 arrears payment calculated by dividing $60,000 by 60 months).
Contrary to online advertisements and information conveyed by friends, family and co-workers, first mortgage principal balance/arrears on a primary residence may NOT be reduced in a Chapter 13 bankruptcy case. However, in cases where there is no equity securing a 2nd mortgages, home equity lines of credit (HELOC), judgment lien and other eligible junior lien, an individual may be eligible to strip the lien from title if a court order is signed by a bankruptcy judge and the individual completes the full term of their Chapter 13 plan. In non-primary residences, the first mortgage may be eligible to be reduced to the value of the property.
Depending on the means test and the income/expense analysis, an individual filing a Chapter 13 case may be required to make additional payment(s) towards unsecured debt. Certain taxes, child support and certain other types of debt must also be paid as part of a Chapter 13 case.
A significant bar to filing a Chapter 13 case is debt limits. If an individual's unsecured or secured debt exceeds certain debt limits, she or he will not be eligible to file for Chapter 13. As of April 1, 2013, unsecured debt limits are $360,475, and secured debt limits are $1,081,400. Because the debt limits are subject to change, we recommend you review 11 USC 109(e) to determine the current debt limits.
In recent years, we have been successful in challenging the proof(s) of claim filed by loan servicers in Chapter 13 cases. When an individual files for Chapter 13, a mortgage servicer or owner may file a proof of claim and request payment through the Chapter 13 plan. In many cases, the mortgage loan servicer files the proof of claim in order to object to the amount of a debtor's proposed plan payment in Chapter 13. When a proof of claim is filed, the Debtor and her or his attorney have the opportunity to review and object to the proof of claim. If an objection to a proof of claim is filed, the Debtor and/or her/his attorney have the opportunity to present the basis for the objection at a formal hearing. If the bankruptcy judge decides that the issues presented by the Debtor and Servicer cannot be resolved without the presentation of evidence, a trial may be ordered. If the Debtor prevails at trial, the proof of claim is set aside and the servicer may not be eligible to receive payment for the entire term of the Chapter 13 case. Only the most experienced bankruptcy/lending law attorneys should handle these types of cases.
Chapter 11 Bankruptcy:
Chapter 11 is available to both individuals and businesses that seek to reorganize debt. At Foster Law Offices, we only handle Chapter 11 cases where the client seeks to reorganize real estate related debt. For questions about Chapter 11, please contact our office to schedule an appointment.
~~~ Our Real Estate Practice ~~~
Our real estate practice is limited to representing individual and institutional buyers and sellers, as well as bankruptcy trustees, court-appointed receivers and other parties in real estate transactions.
On the commercial side, we represent clients seeking to buy, sell or lease the following types of properties:
· Multi-Family investment properties such as apartment buildings
· Office Buildings
· Land at any stage of entitlement/permitting, as well as raw land
· Industrial
· Retail
· Moorage
On the residential side, we represent clients seeking to buy, sell, or lease the following types of properties:
· Luxury
· Development
· Distressed
· REIT or investor-owned distressed assemblages
· Single Family
In addition to his role as managing attorney for Foster Law Offices, Mr. Foster is also the designated broker for Navigation Real Estate, LLC (Washington) and the principal broker for Navigation Real Estate, LLC (Hawaii). Information on Navigation Real Estate can be found at www.navigationre.com.
For more information about Foster Law Offices, or to schedule a consultation to discuss your legal needs contact us today:
Hawaii: Washington:
79-7591A Mamalahoa Hwy. 144 Railroad Ave. Suite 308
Kealakekua, HI 96750 Edmonds, WA 98020
(808) 348-7800 (206) 903-1836
This law firm is designated by the United States Bankruptcy Code as a debt relief agency. We file bankruptcy cases in the United States District Court for Washington and Hawaii.
The information contained in this website is not intended as legal advice, nor should it be relied upon for any purpose whatsoever.


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Slow PunctureLast updated at 12:01AM, March 26 2016
The government is neglecting its promises to cyclists
More than 13,000 motorists and cyclists have been fined in a crackdown on road offences in London, leading police to claim behaviour has improved.
In five weeks of Operation Safeway, the Metropolitan Police issued fines to 4,085 cyclists and 9,733 motorists.
Cyclists are often censured by motorists for jumping red lights and police fined 1,225 cyclists for "contravening traffic signals". The transgression is not unique to cyclists, however, as 1,056 motorists were fined for the same offence.
More than 2,400 motorists were issued with fixed penalty notices for using a mobile phone at the wheel, while 87 were fined for driving without due care and 42 for driving in cycle lanes.
More than 1,500 cyclists were fined for cycling without lights at night, but 900 of the fines were rescinded when cyclists returned to designated points to prove they had subsequently fitted lights.
Some 988 cyclists were fined for riding on pavements while 2,437 motorists were caught driving without a seatbelt. More than 3,600 motorists were also fined for a range of "other" offences, including driving without insurance and driving unsafe vehicles.
Police also said this week that two thirds of lorries stopped by officers failed to comply with safety rules.
Glyn Jones of the Metropolitan Police Road Safety Unit said: "We've noticed that road users are generally behaving in a much safer manner and we have issued fewer fixed penalty notices as the operation has progressed."
The operation is set to continue this week, he confirmed.
Safety campaigners have said that any crackdown on misbehaving road users must be accompanied by moves to improve the design of roads themselves, which often throw cyclists and motorists into conflict at dangerous junctions.
There have also been calls for the justice system to impose tougher sentences for dangerous driving, as research showed that only one in 10 motorists who killed a cyclist in London between 2010 and 2012 had faced a jail term.
- A motorist from Liverpool with a record 45 penalty points in nine months is still on the road. They were for eight offences of failing to disclose the driver's identity or for speeding, said the Institute of Advanced Motoring (IAM), which obtained the figures from the DVLA. Simon Best, of IAM, said: "DVLA must ensure that the principle of 12 points and you are off the road is not undermined."
RBS 6 Nations stars on how they come together as a team to succeed
Louisiana is the proud birthplace of jazz, but it's not resting on its laurels
There is no time like the present to make South Africa your holiday destination of choice
Meet the businesses making it big in China
After a low period these beautiful islands are back in business
As thoughts turn to fresh starts and healthier living, put some focus on your eyes in 2016
How cultural resistance to change must be overcome if companies want to move ahead
How to educate employees about protecting their data from hackers
Thinking of setting up a business abroad? Don't go anywhere without consulting this guide
Speed of European monetary union has left capital markets in the slow lane
The government is neglecting its promises to cyclists
The cycling and walking investment strategy pledges £300 million over five years, which is less than 14 per cent of the recommended amount
A minister labelled cyclists "the biggest challenge for a commuter", as the number found guilty of neglect of traffic directions more than doubled
Mary Bowers, 31, has severe brain damage after Petre Beiu, a driver for Lynch Haulage, failed to see her waiting on her bike in front of his truck
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The Client List
Mon Nov 4, 10-11pm, Lifetime
This drama is the centrepiece of Lifetime's channel launch tonight on the Sky platform. Which rather begs the question: what the hell else have they got in store for us if this is the channel's marquee show? A twenty-part TV spin-off of 'The Room'? 'Touch the Truck: the Movie'?
'The Client List' stars Jennifer Love Hewitt as Riley, a masseuse from small-town Texas. When her husband reacts to the family's financial problems by slinging his hook, Riley has little choice but to get a new job in a parlour offering a few 'extras'. Before she knows it, she's solving the emotional problems of a succession of steroid-addled, pec-bulging oilmen. And jerking them off for money.
Apparently this show was quite controversial in the States. This is peculiar to hear, implying as it does that the disgruntled masseuses of America took its leaden dialogue, hilariously linear plotting and semi-comatose performances seriously for long enough to get offended. Risible.


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Choose Between Two Options
- $33 for one annual player's pass membership ($67 value)
- $59 for two annual player's pass memberships ($134 value)<p>
Players Pass
Players Pass helps golfers play more golf by offering discounted access to more than 2,000 golf clubs nationwide. The deals vary from course to course, but include such discounts as two green fees for the price of one, half off green fees, and more substantial discounts for last-minute tee times. Many tee times can be booked using Players Pass' online interface.


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A savings account creates a great cushion in an emergency, or a safe place to keep money you are planning to use for a larger purchase. Whether you are saving an emergency fund, a new home or a vacation, Lincoln Savings Bank provides great interest rates on savings accounts for clients in Cedar Falls, Waterloo, Clive, Ankeny and several smaller Iowa towns.
It only takes $5 to start a savings account, and you can choose a standard savings account, money market account, CDs, health savings account (HSA), or an IRA for retirement. For kids, our T.A.D.S. account is a great option for saving money, too.
Compare accounts and start saving today.
Saving is easy with LSB! A $5 opening deposit starts you on the path to saving for the future or that special goal.
View More
Save for the short term in a money market account at Lincoln Savings Bank. Serving Ankeny, Clive, Waterloo, Cedar Falls and other small Iowa communities.
Get competitive CD rates for your certificate of deposit at LSB, where we offer small town care and big bank services. Cedar Falls, Waterloo, Clive, Ankeny.
Check out these savings account comparisons and see which is best for you. Lincoln Savings Bank serves Waterloo, Cedar Falls, Clive, Ankeny and small Iowa towns.
Be ready for medical bills with an HSA or Health Savings Account at LSB. We offer small town care and big bank services. Cedar Falls, Waterloo, Clive, Ankeny.
Save for the future and be ready to retire with an IRA, or individual retirement account from LSB. Serving Cedar Falls, Waterloo, Clive, Ankeny.
Teach your children the basics of money, and open a savings account for kids so they can save for the future too. Serving Cedar Falls, Waterloo, Clive, Ankeny.
Just like with everything else in life that's worth having, you are more likely to have an excellent credit score if you set a goal. An excellent credit score assists you in getting the best rates and saving money on your mortgage and insurance, as well as getting the best offers for credit cards and loans.
Commercial lenders Scott and Kade answer questions about the loan process and the financial information you will need to provide.
Member FDIC
Equal Housing Lender


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Great comparison. lots of work put into that one, Kudos!
Any interest in the JVC S700? They can be had for around $25-$35 now. Surprised that nobody buys the S700/S900 but the RX700/900 and flats are flying off the shelves. I had the S900 and they were quite better than SR60/Portapro/PX100 and the like.
As for the S700/900s, I was under the impression that they are circumaurals. They look to be the same size as the low-end sennheiser circumaurals (HD212, etc).
If they are on-ears like the rest on this review I might pick up a pair just for comparison. Those slimz look quite tempting, too.
GREAT job!
LOTS of work indeed here - Tip off my cap to you brotha!!
Been really enjoying the Monsters since @warrenpchi gave me a listen in LA many months ago, and was psyched to contribute to the group on those!
I also enjoy the over-ears as well!
They're also great for the iPhone - nobody's ever complained about the sound of my voice using the on-ears with my phone!
Can't say that with other cans!
They're not as full-bodied at the DNA Pros (and I also agree, there's a lack of overall gestalt in the low-end, but music is free and easy to listen to on these,
for long periods of time - making them winners for me!
I used them to KEEP ME CALM here in the doctors office here, while my wifey was goin through hell.
I also find the mids and highs in the DNA Pros to be strikingly coherent and breathy. I need air in my music, as in life right?
I find a ton of cans in this bracket may hit me with decent midrange punch, or bass romp, extended highs, but they lack air
and dimensionality. NOT the DNA Pros! They give me a sweet sense of depth and width, as well as timbre that beats out some
far more expensive cans!
and with this Nordost Heimdall iKable I have (3.5mm - 3.5mm) I know, its OVERKILL, but MAN - they sound fantastic w/ my AK120!!
I've recommended them to a TON of people now, looking for cans in that price.
My nephew wouldn't give them back during Thanksgiving last year!!!!
Was just rockin' em Friday night w/ the HRT microStreamer - KILLER combo!
Fantastic read ljokerl


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Pure superbike
Pure superbike
The ultimate power tool from KTM. KTM designers pulled out all the stops in the art of engine building when it came to the 1190 RC8 R. The rider has one of the most powerful V2 engines of our times and one of the best chassis in the world at his or her disposal - totally street-legal. With the precision to cut out the others when entering the corner. With the power and traction to pull away from them exiting the corner. With the feedback and ergonomics to enjoy the 1190 RC8 R to the full.
2-cylinder, 4-stroke, V 75°
1195 cm³
105 mm
69 mm
Electric starter
Forced oil lubrication with 3 oil pumps
Liquid cooled
PASC (TM) slipper clutch, hydraulically actuated
Keihin EMS, twin ignition
Chrome-molybdenum steel tubular space frame, powder-coated
WP upside-down Ø 43 mm
WP monoshock
120 mm
120 mm
2 x Brembo monoblock four-piston radial fixed calliper, brake discs, floating
Brembo twin-piston fixed calliper, brake disc
320 mm
220 mm
66.7 °
1425 ± 15 mm
110 mm
805 mm
16.5 l
The vehicles shown may differ in details from the serial model and can show special equipment at extra cost. All data regarding delivery, appearance, performance, dimensions and weights of the vehicles are made without obligation and are subject to errors, printing, typesetting and typographical errors; KTM reserves the right to make changes accordingly at any time.


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Automatically shorten your post's URL via CloudApp and share on buffer, when published.
Just place it into your WordPress plugins-directory and activate it from the plugins-menu.
Go to Settings -> ShortAndBuffer and configure your CloudApp & buffer account.
For buffer, you'll need to create an own buffer app (https://bufferapp.com/developers/apps/create) using your blog's URL + path-to-settings-page as callback. Just open the ShortAndBuffer settings on your admin panel and copy the URL to use it as callback. The same URL you'll need to configure as "buffer Callback URL" within the ShortAndBuffer settings.
After you've entered all the right data save and write your first new post. As soon as you'll click "Publish", ShortAndBuffer will wait for WordPress to save your post, it will retrieve the post's permalink and send it to CloudApp, from which it'll receive the shortened URL. This URL is being send to buffer then - although without the "now"-API-parameter. This means, that it ONLY BUFFERS the update. It does not share it.
However, an buffer update for a post called "Me and my cow Bennita" will look like this:
Me and my cow Bennita http://short.url/AbcdEfg
On Facebook and LinkedIn you won't see the URL within the status text, since buffer attaches it correctly.
Requires: 3.5 or higher
Compatible up to: 3.5.2
Last Updated: 4 years ago
Active Installs: Less than 10
Got something to say? Need help?


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Accidental death verdict after Richard Fellows drowned
- 18 June 2014
- From the section Hereford & Worcester
The death of a 15-year-old boy who drowned in the River Arrow was an accident, an inquest has concluded.
Richard Fellows got into trouble while swimming in open water with friends near Arrow Valley Park, Redditch, Worcestershire, in March.
His friends did everything they could to save him, the inquest heard.
Recording her verdict, Worcestershire's assistant coroner Marguerite Elcock said there was "nothing unusual" in how the Redditch teenager died.
She told the hearing in Stourport that there was nothing "suspicious" following the death of the Trinity High School pupil.


text: I got hurt in my leg certainly it developed a bacterial infection inside it which was detected after consultation of many doctors at a later stage. I used to get pimples kind of thing but after it has been detected and proper medication it was cured.but those pimples left some scars in which blackhead also develops frequently.removal of blackheads with tweezers also leave scars. please advice


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Two of the major problems in attaining euglycemia in subjects with type 1 diabetes (T1D) are hypoglycemia (including fear of severe hypoglycemia) and post-meal hyperglycemia. The latter commonly occurs in adolescents secondary to missed meal and snack insulin boluses. Both of these issues will be addressed over the five years of this grant. As over half of severe hypoglycemic events occur during sleep, we will continue our development of algorithms to predict and prevent nocturnal hypoglycemia using a closed loop system (CLS) in which the information from a continuous glucose monitor (CGM) is used to suspend delivery of insulin by an insulin pump. Initial studies will be done in the Clinical Translational Research Centers (CTRCs) to document safety of the "Florence" CLS (Abbott Diabetes Care) and we will then conduct a randomized clinical trial in the home environment in years 2 and 3 of the grant. Similarly, a fully portable CLS will be used to detect and correct hyperglycemia resulting from missed food boluses. The safety and efficacy of algorithms which utilize the signal form a CGM and provide output to an insulin pump will initially be studied in the CTRC's in year 3 of the grant. In years 4 and 5 of this grant we plan to assess the combined algorithms for prevention of hypoglycemia and hyperglycemia in a fully ambulatory system developed by Abbott Diabetes Care. We believe that prevention of hypoglycemia, particularly at night, and reduction of post prandial hyperglycemia will result in improvement in glycemic control and reduction in HbA1c levels.
Hypoglycemia is one of the main deterrents for attaining optimal glycemic control for people with type 1 diabetes. This research is focused on reducing hypoglycemia as well as hyperglycemia after meals in people with type 1 diabetes. Hopefully this will lead to improved glycemic control for participants.
|Bequette, B Wayne (2014) Fault detection and safety in closed-loop artificial pancreas systems. J Diabetes Sci Technol 8:1204-14
|Beck, Roy W; Raghinaru, Dan; Wadwa, R Paul et al. (2014) Frequency of morning ketosis after overnight insulin suspension using an automated nocturnal predictive low glucose suspend system. Diabetes Care 37:1224-9
|Baysal, Nihat; Cameron, Fraser; Buckingham, Bruce A et al. (2014) A novel method to detect pressure-induced sensor attenuations (PISA) in an artificial pancreas. J Diabetes Sci Technol 8:1091-6
|Maahs, David M; Calhoun, Peter; Buckingham, Bruce A et al. (2014) A randomized trial of a home system to reduce nocturnal hypoglycemia in type 1 diabetes. Diabetes Care 37:1885-91
|Buckingham, Bruce A; Cameron, Fraser; Calhoun, Peter et al. (2013) Outpatient safety assessment of an in-home predictive low-glucose suspend system with type 1 diabetes subjects at elevated risk of nocturnal hypoglycemia. Diabetes Technol Ther 15:622-7


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Our laminated budget folding custom can coolers fold flat for pocket or purse storage.
These cozy ceramic custom mugs are imprinted with a cutting edge laser method to give your logo a unique look.
This unique promotional tumblers will be the hit of your summer promotions.
Football shaped custom can cooler makes an exciting sports promotion!
Beat the heat this summer with a HydroPouch! collapsible custom water bottle with spray top.
Remind your customers that you are not ordinary and stand out from the competition with these Little Buddy custom can coolers.
This logo tumbler looks like a to-go coffee cup but is made of ceramic for an eco-friendly reusable giveaway.
A beautiful custom leather coaster with zinc finish will be the gift too stylish to use but always out for display.
These Little Buddy Custom Can Coolers feature a burlap pocket that offers some country charm.
Classy promotional ceramic mug with a trendy ombre gradient pattern.
Double wall imprinted tumbler with full PVC sleeve in a range of fun colors to match your logo or promotion.
If you are looking for a great fall giveaway for hunters or sportsmen, then these camouflage accent custom can coolers need to be at the top of your list.
This 16 oz. Leather-Wrapped Custom Tumbler with a 7 oz. bag of plain chocolate M&M's makes a perfect gift for any occasion.
A 16 oz. custom tumbler gift featuring hot chocolate mix and marshmallows is the perfect year-end gift to show your appreciation or to simply say "Thank You."
Promo tumbler set featuring matching full PVC sleeves with white stitching in several bright colors.
This 16 oz. Leather-Wrapped Custom Tumbler with hot chocoate mix makes a perfect gift for any occasion.
This 16 oz. Leather-Wrapped Custom Tumbler with a 7 oz. bag Hampton Special Edition Cookies & Cream popcorn makes a perfect gift for any occasion.
A beautiful rounded brass custom coaster molded over zinc and bonded leather.


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19430 Surnames | 123743 Records | 2647 Reunions
Dead Fred asks:Are you a Desperate Genealogist?
Click the e-book above for details!
Dead Fred's Genealogy Photo Archive, a free, fun photo genealogy research web site devoted to helping you visualize your heritage!
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Order The Desperate Genealogist's Idea Book: Creative Ways to Outsmart Your Elusive Ancestors (eBook).You can also order The Desperate Genealogist's Idea Book in hardcopy format by clicking here.
Photo #50121
Last Name: Thatcher
First Name : Marie
Middle Name: Helen
Subject's City: Indianapolis
Subject's State: IN
Subject's County: Marion
Subject's Country: US
Photographer's City:
Photographer's State:
Nee: Gelderman
Type** :
Comments: Marie Helen Thatcher (Nee: Gelderman) | Indianapolis IN US | | Comments: Arthur E. Thatcher and his wife Marie Helen Gelderman Thatcher. Marie's sister is May Gelderman Rosier. Parent's are Edmund Charles Gelderman and Johanna Magdalene Carstensen Gelderman Shepp. Johanna came to USA about 1873.
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text:
Bedroom tax in the North East
At least half a million pounds of unpaid rent is due to councils in the North East as tenants struggle to cope with the effects of benefit changes.
At least half a million pounds of unpaid rent is due to councils in the North East as tenants struggle to cope with the effects of benefit changes.
North East MPs are being urged to ensure the Government's "bedroom tax" is rigorously evaluated before it comes into force.
Housing association Riverside has written to MPs to ensure the Welfare Reform Bill is fully scrutinised, as it estimates nearly 7000 tenants will be affected by the new tax.
Under the reforms families considered to have too much living space by local authorities will receive reduced benefit payments.
North East constituencies most likely to feel the full force of the reforms include Gateshead and North Tyneside where a quarter of Riverside households will be affected.
We are very concerned about the impact of benefit cuts on our tenants and the business, having campaigned against a number of aspects of the Welfare Reform Bill as it went through Parliament.
"While the Welfare Reform Act is now on the statute book, there are still changes the Government can introduce to help mitigate the impact including undertaking a comprehensive review of the policy."
Riverside is trying to mitigate the impact of the reforms under its B!G Changes campaign and is targeting those at risk to explain their options, including seeking to downsize, take in a lodger and 'stay and pay'.
"We are asking MPs for their support in ensuring that any evaluation is undertaken quickly, independently and thoroughly.
"It also needs to be sufficiently broadly scoped to consider the financial impact of the policy, its impact on individuals and the wider neighbourhood impact."
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Northumbria Police is warning those who commit hate crimes that they will be tracked down.