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Long Term Disability Insurance Fraud
Were you looking for Washington Long Term Disability Insurance (suitability standards and fraud) lawsuits?
By Heidi Turner
Policyholders purchase long-term disability insurance to protect themselves in the event they become disabled and can no longer carry out their job duties. Unfortunately, some long-term disability (LTD) policyholders have their disability claims improperly denied. Policyholders who have their long-term disability claim denied can appeal the decision, but should speak with an attorney first, to ensure their rights are protected throughout the process.
Send your LTD Insurance Fraud claim to a lawyer who will review your claim at NO COST or obligation.
Long-term disability is supposed to protect policyholders in case they become sick, injured, or otherwise disabled for an extended period of time and are no longer able to carry out their work-related duties. When that happens, policyholders file a long-term disability claim to have their benefits begin. Long-term disability plans often begin to provide benefits after a policyholder has been unable for work for six months, and the LTD plans typically pay about 60-80% of the policyholder's pre-disability earnings. LTD plans differ according to the terms of the plan, so each individual's plan needs to be reviewed accordingly. Unfortunately, some long-term disability claimants find that their claim is denied or is originally approved only to be terminated later.
Long-Term Disability
Often when long-term disability is discussed, it is mentioned alongside "ERISA." ERISA, the acronym for "Employee Retirement Income Security Act," is a federal law that was put in place to protect workers' pension plans. ERISA was expanded to also apply to employer-provided long-term disability plans. If you've purchased a long-term disability insurance plan on your own--i.e., not through your employer benefits plan--then ERISA law typically does not apply; state law governs individual long-term disability insurance plans.
Long-Term Disability and ERISA
Because of this, it is best to seek the assistance of a long-term disability attorney to help guide you through any issues you might face as you file your disability claim. Also, while ERISA laws were enacted to protect workers' rights, unfortunately, ERISA is known to favor the insurance companies.
Depending on the policyholder's circumstances, the policyholder may have to file an appeal before filing a lawsuit. If the disability insurance is purchased through an employer, the insurance is governed by ERISA. In such cases, any denials must first be appealed with the insurer. The appeals process must be exhausted before a lawsuit can be filed.
Long-Term Disability Lawsuit
The administrative appeal, however, involves a great deal of paperwork, and you may be required to file one or more of these appeals. The paperwork filed in support of the appeal will be the only evidence considered for both the appeal and—if the appeal is denied—the lawsuit. All evidence—including medical records, expert opinions, and other supporting documentation—must be included in the administrative appeal or it will not be considered by the judge in a subsequent lawsuit.
If your long-term disability claim has been denied, you should first request a complete copy of your claims file from the plan administrator. Through ERISA, your insurance company is required to provide you with a copy of your claim file at no cost. This information is important to have in order for you to be able to identify and include additional evidence in your claim file. While the administrative appeal(s) needs to be exhausted according to ERISA, it is still wise to speak with a long-term disability lawyer to ensure you are following the LTD claim appeal process correctly, meeting your deadline dates, and adding as much supportive evidence to your claim file as possible.
Note, if the insurance is purchased directly by the policyholder, and not obtained through an employer's benefits plan, the policyholder can file a lawsuit without filing an appeal of the denial.
Policyholders have their insurance claims denied for many reasons. Sometimes the insurance company does not have an accurate picture of the claimant's work duties and believes the claimant can go back work. The insurance company might also claim that the policyholder is not as disabled as he or she claims, or that the claimed disability is not covered by the policy (this is sometimes the case with conditions such as fibromyalgia).
In other cases, insurance companies may claim not to have received important documentation or not received information from policyholder's medical care provider. Or the insurance company might claim the injury is pre-existing, there is no objective medical evidence for the claim, or that there is no injury at all.
One of the most common long-term disability denials, however, happens when the insurer claims that the LTD claim was filed too late. It is of utmost importance to ensure all key filing dates are met when filing your LTD claim.
Insurance companies are required to pay claims in good faith—meaning the claims must be paid willingly, promptly, and properly. All denials must be made for legitimate reasons. When companies deny insurance claims for invalid reasons—such as to make quotas or protect profits—or otherwise breach their covenant of good faith and fair dealing, they are committing bad faith insurance.
Bad Faith Insurance
Bad faith insurance can also involve failing to promptly pay or investigate an insurance claim, not properly disclosing policy benefits, or failing to provide benefits as written in the insurance policy.
All insurance companies have a claims procedure and have legitimate reasons for denying long-term disability claims.
Long-Term Disability Companies
Among the long-term disability insurance companies are:
- Unum (previously called Unum Provident and First Unum), has faced lawsuits alleging improperly denying legitimate claims;
- Aetna;
- Cigna, which in 2013 reached a regulatory settlement with five states who alleged the company was improperly handling claims;
- Allstate;
- Colonial Life & Accident Insurance Company;
- The Guardian Life Insurance Company of America;
- Liberty Mutual
- John Hancock Life Insurance Company;
- New York Life Insurance Company;
- MetLife (Metropolitan Life Insurance Company;
- Prudential;
- Penn Mutual.
Just because an insurance company denies a claim for long-term disability insurance doesn't mean the policyholder has an invalid claim. There are many reasons for denying a claim that go beyond the legitimacy of the illness or injury. When claims are denied, policyholders have a right to have that decision reviewed. An experienced attorney can help with the insurance claims process, which can be long and complicated.
Long-Term Disability Insurance
Register your Long Term Care Disability Insurance ComplaintIf you have had a long term disability insurance policy falsely represented to you, or been denied a long term care disability insurance claim, you may qualify for damages or remedies that may be awarded in a long term disability fraud insurance lawsuit. Please click the link below to submit your complaint to an insurance lawyer for a free evaluation.
Last updated on
- Reliance Standard Life Insurance Company Denied Disability policyholders have filed denied disability lawsuits claiming bad faith tactics
- Guardian Life Insurance Denied Disability Lawsuits policyholders claim the insurer has wrongfully denied disability benefits by practicing bad faith insurance
- Liberty Mutual Denied Disability Lawsuits alleging bad faith insurance practices and denying long-term disability insurance.
- The Standard Long Term Disability Denial lawsuit alleging denied claims for legitimate claims
- Metlife Long Term Disability Denial lawsuit alleging denied claims for legitimate claims
- Hartford Long Term Disability Denial lawsuit alleging denied claims for legitimate claims
- Aetna Long Term Disability Denial lawsuitalleging denied claims for legitimate claims
- Cigna Long Term Disability Denial lawsuit alleging denied claims for legitimate claims
- Washington Long Term Disability Insurance alleging insurance fraud and denied claims.
- Oregon Long Term Disability Insurance alleging insurance fraud and denied claims.
- Idaho Long Term Disability Insurance alleging insurance fraud and denied claims.
- California Long Term Care Insurance alleging insurers negligently or fraudulently fail or refuse to pay benefits.
- CIGNA Denied Disability Insurance
- California Launches Investigation Into MetLife Death Payment Practices
- Sun Life Faces Potential Class Action Over Disability Contracts
- LINA Insurance alleging violations of disability insurance claims.
- Long Term Care Insurance Las compañías de seguro para cuidados por largo plazo parecen estar negligentemente o fraudulentamente no pagando o negandose a pagar los beneficios.
- Denied Disability Insurance
- Unum Insurance for allegedly denying long-term disability claims.
LTD Claimants Win Big as Ninth Circuit Trims "Abuse of Discretion" Standard
San Francisco, CA In one of the earliest decisions of 2019, the Ninth Circuit gave plaintiffs in long term denied disability lawsuits a new way to challenge benefit denial decisions. It may turn out to be significant.
Unum Disability Insurance Claimant Wins Reinstatement of LTD Benefits
Santa Ana, CA On November 20, 2018, the U.S. District Court for the Central District of California handed Pamela Fleming a resounding victory in her Unum disability insurance lawsuit. Unum had been paying her LTD benefits since 2005, after a serious and well-documented neck injury sustained in a car accident. A change in her treating physician and a brief surveillance video led the insurer to re-evaluate her claim and declare that she had recovered. The insurer terminated her benefits. Judge Cormac J. Carney was not impressed and reinstated her benefits due under the policy.
Jury Awards $25.6 Million in Bad Faith Insurance Lawsuit
Oklahoma City, OK In November 2018, a jury awarded nearly $25.6 million to the family of a Oranna Cunningham, a woman who was diagnosed with advanced nasopharyngeal cancer. Her insurer, Aetna, refused to cover the cost of the proton beam therapy recommended by her physician, claiming that it was "experimental or investigational." After her death, her husband brought a bad faith insurance lawsuit.
January 11, 2019
Unum Disability Insurance Claimant Wins Reinstatement of LTD Benefits
January 8, 2019
Jury Awards $25.6 Million in Bad Faith Insurance Lawsuit
December 17, 2018
- Unum: the Gift of Giving and Taking Away
- Fibromyalgia Sufferer Brings LTD Lawsuit against Life Insurance Co. of North America
- Unum's Denial of Opioid Overdose Deaths
- Is a Health Plan Liable for the Negligence of an Unqualified Claims Reviewer?
- UNUM LTD Claimants Must Beware of Exhaustion of Remedies Roadblock
READ MORE Denied Disability Insurance Settlements and Legal News
READ MORE Insurance Settlements and Legal News
READ MORE Insurance Settlements and Legal News
Posted by
Chris waltermire
Chris waltermire
I have a hep c and also have seizures been in and outta jail for the beginning of my 18s to end of 24. so I try and work but just don't have the knowledge and my record from past. mistakes keeps me out of a lot of places I'd like to work but no one helps.i can't believe I didn't get disability I've been to rehab over 10 times I'm not good at getting a job because most people see my record and Bang I'm out the door. Gavin this problem I deal with everyday .makes it hard to keep tryna find work with all this baggage . could yall help
Posted by
Lincoln Financial Group is asking me to pay them almost 35k back. I know that is not what I sign up for, but when they stopped paying me over a year ago and left me without any income I figured we were done. I'm pretty sure I threw away all related paperwork since I had not heard from them in over a year. Now I think I'll be needing a lawyer.?
Posted by
Daniel Stokes
Daniel Stokes
I was denied ltd because principal insurance is a corrupt and horrible company i hope there is a class action lawsuit against them real soon
Posted by
Adrianne Brown
Adrianne Brown
Was told that because I went out on long term disability in 2009 that I would recieve payments until my retirement year. I was also tokld that my payment after getting Socia security disability that I would those payments and the long term insurance if I was permanently disabled up to the amount of my established long term payment until I retired as soon as I got social security they started sending monthlyrequired paperwork late and requested I pay back all disability they had given me? I know I was on serious meds because of my injuries but it felt scammy!
Posted by
Karen Erikson
Karen Erikson
Pleasrycall me I have much to say about this corrupt company, I would love to speak with thr media, as well as the EEOC, ERISA, the Federalelabor Board. Bring it on or are you scared. Have your Numbers with you because I will have mind!
Posted by
Cheryl Moniz
Cheryl Moniz
I have paid for long term disability through my employer for 21 years.I became disabled under UNUM guidelines and had been receiving payments. They suggest I file for SS benefits. They said it would lower their payment to make up the difference I receive from SS and what I was receiving for LYD. My SS claim was approved and had been handled by Genix. My case was approved and I received payment from SS as back payment for my application date. Unum is saying I have to pay them back for the back payments. SS's letter states the check is being issued to me and not a 3rd party. Do I have to give the UNUM company all of the back payment money I received from SS? Thank you.
Posted by
James Sullivan
James Sullivan
That sounds so much like me. I experienced a very similar situation where the Standard Insurance company denied my claim because I tried to return to work. I never got approved for the Ltd which I was forced to have and to pay for. It's terrible that on top of his illness, the pathetic system fought against paying him.
Posted by
I have been in two vehicle accidents and have had back surgery, resulting in chronic pain, failed back syndrome after surgery, spondylosis, degenerative joint disease, bulging discs, etc.... All physicians I have seen said I was unable to work. I have lost everything because I'm caught between 'them' and 'us'. I have since remarried and moved to the UK. I have a person who is supposedly working on this, however it's been months. I tried handling it all on my own but got nowhere. I appealed through Prudential and never received a reply!
Posted by
I receive social security and was getting pension from GE. And they sent a letter informing me it was in error. I have a copy of the terms and do not see where this is. I have sent a certified letter and still no reply.


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Melbourne Share Bike Forum: After an amazing Common Bike pilot we discussed
the future of Bike sharing in Melbourne.
Common Bike was a three week Public Bicycle pilot initiated by RMIT Industrial Design students.
The Government of Victoria has announced a $5 million tender to spend on a public bicycle system.
RMIT and Lend Lease Docklands hosted the Melbourne Share Bike Forum June 15th 2009, to discuss the outcomes of Common Bike; debate Melbourne's Bike Sharing needs; and talk about an ideal future system.
The program:
Exhibition of Common Bike pilot and 2020 bike sharing in Melbourne
Common Bike pilot review (Ben Landau - Tutor Share Bike Design studio)
Booming Bike Sharing - An overview and 4th generation issues (Visiting Professor Ronald Haverman - founder Dutch Share Bike)
Futuremelbourne and the City of Melbourne's Cycling perspective - Stuart Outhred - City of Melbourne Sustainable Transport Plan)
Car and Bike sharing, a good team? Monique Conheady - Chairman and CEO Flexicar
Priorities and Public Bike Systems for Melbourne - Garry Brennan - Bicycle Victoria
Share Bike Systems and Helmet issues - Elliot Fishman - Institute for Sensible Transport

subset: commoncrawl


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Structure of the charge: what makes up a person's estate?
The value transferred by a transfer of value (IHTM04024) is quantified by reference to a person's estate. This is so whether you are dealing with a lifetime transfer (IHTM04051) or the deemed transfer on death. (IHTM04041)
The word 'estate' is given its general meaning and includes all property (IHTM04030) to which the transferor is beneficially entitled, (IHTM04031) IHTA84/S5(1). The legislation then goes on to both extend (IHTM04032) and restrict (IHTM04033) the meaning of the word.


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Give coffee time a contemporary feel by adding this freshly designed porcelain creamer to your collection.
The creamer is a wonderful everyday piece you can use when having a casual get together with guests.
The creamer can be mixed and matched with your other dining pieces to add a new look to your tabletop.
Product details
Click "Add To Cart" above to order now!
This fascinating dinnerware is produced using the finest porcelain creating a style that is best described as formal and elegant.
We get inspired by persian ancient tile design and we implement the square inside square in our unique design. For space saving purpose we looked at ancient egyptian architecture and we calculated our plate that each plate goes inside of the other.
For having a modern look, we kept it simple white durable porcelain. Because we believe "There is beauty in simplicity!"


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Mongrel2 HTTP server now in Debian/Ubuntu
Mongrel2 is a fast and simple HTTP & WebSocket server that communicates to backend workers via ZeroMQ. It does one thing and does it very well, making it an ideal part of a componentized architecture. The code is event-driven, allowing it to support thousands of concurrent connections and also asynchronous behaviors. These properties are especially important to realtime applications.
Fanout has been one of the most active contributors to the Mongrel2 project over the past year, adding features such as TLS SNI and improved streaming capability. We've also been working on making the server easier for people to get started with. And with that, we are proud to announce official packages for Debian and Ubuntu!


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By Davies Hood, Induron Executive Vice President
Most anything can be proven using statistics. I recently ran across a couple of quotes that essentially say just that:
"Be able to analyze statistics, which can be used to support or undercut almost any argument." Marilyn vos Savant
"I can prove anything by statistics except the truth." George Canning
"Anything people put in quotes and include on Facebook is automatically taken as the gospel truth." George Washington (it's possible that I just made that one up)
I was startled recently by a few statistics that were used in Ted J. Rulseh's letter from the editor in the January edition of Municipal Sewer & Water titled "Second Rate?"
Rulseh brings up the fact that, "Every year, sewer overflows contaminate U.S. waters with 860 BILLION gallons of untreated sewage, an amount that could fill 1.3 million Olympic-size swimming pools or cover the entire state of Pennsylvania with one inch of sewage."
As a resident of Jefferson County, Alabama, site of the nation's largest municipal bankruptcy that all started because of overflows of untreated sewage, I have learned a thing or two about the "stench" of this problem, if you'll pardon the awful pun.
In and of itself, untreated sewage flowing into our rivers in such quantities just doesn't "smell" right (now I just can't help myself).
However, when this statistic is coupled with the fact that, "total public investment in water infrastructure as a share of the economy is estimated to have fallen by over one-third since peak levels of investment in 1975," it becomes alarming and should be generating more discussion "on Main Street." All of this during a recession when national unemployment levels are hovering around 10%? Sheesh. Gimme a break.
Rulseh's last statistic compares the number of jobs created by water/sewer infrastructure investment to those of more popular job-creating options, such as payroll tax holidays, across-the-board tax cuts and temporary business tax cuts. This last stat really ties it all together… a true need, a good investment and a sense of urgency.
In conclusion, we as a nation are faced with many tough decisions, including when is exactly the right time to invest in our crumbling water infrastructure? I agree with Ted Rulseh that a great time to address this is right now.
Read more "Statistics Quotes," including quotes from statesman Henry Clay, author Mark Twain, astronaut Alan Shepard and baseball great Tom Seaver


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NOCCA STUDENTS: Click here for a 2020 Summer Study form!
Although NOCCA is tuition-free, a significant percentage of students come from households with incomes at or below the poverty line or from families managing unexpected hardships. The NOCCA Institute's Student Success Program helps those young artists cover the cost of participating in NOCCA's school-year program and enroll in other challenging training programs during the summer months:
The Institute's Term-Time Program offers assistance to students for the equipment, supplies, and private lessons they need to keep pace with NOCCA's curriculum. For example, shoes for young dancers cost about $60, and a student may go through six pair in a year. Musicians must take care of their instruments and are typically required to take extracurricular lessons. Without Term-Time support, such expenses — combined with transportation and other costs of attending NOCCA — would be unmanageable for families on public support or a fixed income.
The Institute's Summer Study Program allows students to take part in some of the best summer programs in the country, including The Juilliard School, the Art Institute of Chicago, and North Carolina School of the Arts. Expenses for these programs can range anywhere from $500 to $5,000 per child. For example, it costs more than $3,000 for rent, meals, subway fare, and supplies for a dance student in New York for eight weeks, and that figure does not include tuition at Alvin Ailey or airfare. Many families can afford only a portion of these costs. The Student Success Program makes up the difference.


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Oil on linen/panel, 2010, 5"x7"
SOLDTo a collector in Oakland, CA
This daily painting is a building on Hamilton Street with early Sunday morning light. This and others in this area are slated to be demolished. I am happy I am able to visually record many of these structures in paintings before they are gone. Please check out a stripped down daily photo blog I stared on Detroit at Photos from Detroit
Click on image for larger view.


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Mission and History
Goals of school foundation:
Chang-Gung Medical College, since its foundation in 1985, has been focusing on basic medical Sciences. In 1993, we founded the master program of the Graduate Institute of Basic Medical Research. For educating more talented and specialized experts, with the permission from the Department of Education, we founded the doctor program of the Graduate Institute of Basic Medical Sciences in 1997. The foundation of the Institute attracted faculty members of different expertise to work together and join the teams of research. After operation for decades, our Institute consists of 66 faculty members (including those in the Institute, Departments of Biochemistry and Molecular Biology, of Physiology and Pharmacology, of Anatomy, of Public Health and Parasitology, of Microbiology and Immunology, of Biological Sciences, of Medical Biotechnology and Laboratory Medicine). From 2002, for the research-oriented principle, the master programs have been grouped into three divisions, "Biochemistry, Molecular, and Cellular Biology", "Microbiology", and "Physiology and Pharmacology".
After the development for three years, it was perceived that the aforementioned divisions could not illustrate the feature of our Institute, this year (2006) we propose to rename our Institute to "Institute of Biomedical Sciences" and of relevant Division to: "Cellular Physiology and Molecular Pharmacology" (originally "Physiology and Pharmacology"). For more comprehensive inclusion of the related fields in our Institute, we recruited "Biotechnology" (originally "Graduate Institute of Medical Biotechnology") and added "Medical Statistics and Clinical Informatics" (master program only) for the data integration of the later phase of research. Our school has the goal of developing into "a research-oriented university". To have more professional and first-class graduates, based on the existing resources in four Divisions and one Institute, we re-group current doctor programs into four Divisions, and master programs into five Divisions, to educate high-level, professional, and independent research talents.
Our school requires solid basic sciences training for graduate students in biomedical fields and emphasizes the absorption and hands-on experience of new knowledge and technology. Teaching focuses on the lectures of theories whereas laboratory experiments depend on student's reaction and presentation. Because of the popularity of research in school and of the cooperative efforts of Chang-Gung Memorial Hospital (CGMH) with the development of our school, the research facilities and equipment are new and updated, and individual laboratories can take full advantage of their research strengths. In addition, our school actively promotes the inter-laboratory and hospital-school (CGMH) collaboration, such as the fields of cancer research (nasopharyngeal carcinoma), cardiovascular research, and neuroscience, as well as the integrated projects of proteomics, which provides the students from related laboratories with extensive exchange and cooperation of hands-on experience. The features of teaching in our school in biotechnology fields can be summarized as follows:
1. Abundant faculty members:
Full-time faculty in basic medicine consists of 66 teachers, with personal or shared offices for their individual research; teachers research and teach with sufficient enthusiasm, and they are assessed by an appropriate evaluation system for teachers; teacher-student interactions are excellent, and there are personal mentors and a student advising system to help students to choose laboratories. Teacher's expertise includes every field of biological sciences: molecular biology and biochemistry, bioinformatics and biostatistics, biophysics, microbiology and immunology, public health and parasitology, physiology, pharmacology, anatomy, embryological development, and interdisciplinary subjects like neurobiology, cardiovascular physiology and pharmacology, cancer, etc. Graduate students (including undergraduates who have elective research methodology) can choose their best-fit laboratories in any field. Furthermore, we have expanded our faculty teams and recruited the scholars who specialize in proteomics, bioinformatics, genomics, etc, and invited them to join our faculty members that not only come from other universities but also from our College of Engineering, College of Medicine, and Hospitals for the participation of teachers and doctors.
2. Excellent teaching facilities:
Our school has abundant teaching space, sufficient teaching tools. Every Department on each floor has a 100 ping student laboratory for hands-on classes and it is equipped with a cable television system for multimedia teaching; the laboratory classes utilize the grouped teaching, about two students per group. Inside the laboratories, basic experiment equipment and peripheral devices are adequate; the courses focus on the combination of academic theories and clinical practice, integrating the teaching schemes of our new philosophy; furthermore, our school has set up the Innovation Incubation Center and Office of Research Development that consists of Precious Instruments Center, Animal Center, Electronic Microscope Center, and Research Administration Center that jointly process and manage relevant research development tasks; the hardware and administration both can fully catch up to the implementation of the education plans of the future biotechnology education project. Recently the 2nd and the 3rd Medical Buildings have been launched and providing 354,849 square meters to the school total building area that far exceeds the basic unit student area standards regulated by the Ministry of Education, adding more affluence and completeness to our school education and research environment.
3. Sufficient integration of schools and hospitals:
Chang-Gung University (CGU) and CGMH, for a long time, have been making all efforts to support every educational or research proposal of the College of Medicine. We not only offer favorable cooperation funds for replacing and adding the facilities and equipment relating to education and research, but also provide research funds for the granted hospital proposals for running preliminary studies. Nevertheless, our departments of basic and clinical sciences cooperate extensively both in education and research jobs, and their staff members interact frequently and share the research and educational resources. Moreover, our school would like to provide students with stable learning milieu; every student receives a basic monthly dormitory stipend. Master and doctor graduate students can also receive the scholarship of teaching assistant (TA) or research assistant (RA).
4. Inter-disciplinary course design:
For the integration of future interdisciplinary research topics, our Graduate Institute of Basic Medical Sciences (now being renamed to "Graduate Institute of Biomedical Sciences (GIBS)") has re-designed the courses this semester for the three Divisions, and included the Graduate Institute of Medical Biotechnology (now being renamed to "Division of Biotechnology, GIBS") as the 4th Division. In addition to subjects of basic sciences, several function-oriented interdisciplinary courses are also added, as well as the addition of special topic discussion that may inspire the graduate students for their competence of independent thinking; our Departments of Medical Technology and Biological Sciences also have course planning, for the biotechnology and biological science research that relate to future molecular testing.
5. Establishment of core laboratories:
For the arrival of the post-genome era, our school sets up the following laboratories: post-genome laboratory, proteomics core laboratory, trans-genetic mouse core laboratory, microscopic imaging core laboratory, and bioinformatics core laboratory. Each core laboratory runs integrated projects in different disciplines, enhancing the research quality of faculty members.
6. Creation of research groups:
In accordance with the policy of College of Medicine, our institute fits each teacher into a research group. Currently we have: hepatic disease pathogenesis, nasopharyngeal carcinoma (NPC) and EBV, proteomics and cancer, cardiovascular research, immunology, developmental biology, re-generation medicine, drug research (including Chinese medicine), signal transduction, neuroscience, infectious RNA virus, aging and free radicals, bioinformatics, medical statistics, and clinical informatics, and other research groups. Each research group has a chairman who takes care of regular seminars and proposes integrated projects, to enhance the research momentum of our institute.


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Watt's performance lost in team's poor showing
Because the Texans were so pathetic in the first half and lost 27-20 to Kansas City, defensive end J.J. Watt could not get any satisfaction from his exceptional performance Sunday at NRG Stadium.
After being kept out of preseason to protect him from injury, Watt picked up where he left off last season when he was voted NFL Defensive Player of the Year for the second time.
Watt continues to show a knack for making the spectacular appear routine. Sunday was a good example.
Watt got a sack without a helmet for the first time in his career.
"The guy's (right tackle Jah Reid) hands were in my face and knocked my helmet off, but I'm not going to stop playing," Watt said. "I think I've had a tackle without a helmet, but I don't think I've ever had a sack."
Chiefs better on the day
The Chiefs outcoached and outplayed the Texans in the first half, when they built a 27-9 lead. No matter how hapless they looked, Watt stood out like a beacon. Watt fought through double- and triple-team blocks to record a game-high nine unassisted tackles. He tied a career high with six tackles for loss, including two sacks. He also registered three hits on quarterback Alex Smith.
Because their fourth-quarter comeback behind backup quarterback Ryan Mallett failed to earn a victory, Watt won't get the credit he deserves for putting on such a remarkable performance.
In fairness to the Chiefs, their makeshift offensive line had undergone a lot of changes since the start of preseason. Just last week, offensive tackles Donald Stephenson and Eric Fisher switched sides.
Fisher, the first overall pick in the 2013 draft, moved from the left to right side. Stephenson, who started seven games last season, was moved to the left side.
Then Fisher suffered a high ankle sprain and was replaced by Reid. Some called Fisher's injury "Watt-itis," but Watt likes to move up and down the line so he can take advantage of possible mismatches.
He didn't move as much as he sometimes does.
"I did a little," Watt said of moving around. "Every game is different."
Watt preferred to go against Reid, who had seven starts in four years with Baltimore and on Sunday started for the first time since 2012.
Watt made so many plays behind the line of scrimmage for two reasons. He beat his blocker - or blockers - but he also anticipated who would get the ball and where he would go.
"It's a combination of both, but it's also teammates doing a good job," he said. "It's never a one-man show."
He could have fooled us.
"You've got guys setting the edge on the other side to pull a guy (with the ball) up so I can come in from the back side," he said. "There are so many different aspects to a game."
Tale of two games
And there can be two games in one, as the Texans showed against the Chiefs.
The Texans were horrible on both sides of the ball and special teams in the first half.
"We dug ourselves a hole early," Watt said. "We fought back in the end, but it was too little, too late."
Hoyer's misdeeds
The defense faced horrible field position because of two Brian Hoyer turnovers, an interception and fumble at the Texans' 13 and 7, both leading to touchdowns.
In the second half, the Chiefs enjoyed excellent field position because of the Texans' horrendous punt coverage.
The Chiefs started drives at their 48 and the Texans' 41 but failed to score.
In the second half, the Texans allowed 109 yards, including 50 passing by Smith. He threw for 193 yards and three touchdowns in the first half.
"They had some success early, but we made adjustments at halftime and played better in the second half," Watt said. "The second half provides a steppingstone for us. We need to figure out what went wrong and learn from our mistakes."


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Darkly Amusing
Gotta love it. Iranian president Mahmoud Ahmadinejad is a famous holocaust denier. Yet, when grasping for a comparison for Israel's "aggression", whose actions does he come up with? Hitler, natch. You would think that according to his version of events, Hitler didn't do anything particuarly offensive - so according to his logic, Israel's doing nothing wrong. Good to know.


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Nebras Films, one of the largest film production service providers in the Middle East, has chosen Leader LV7390 and LV7770 rasterizers for its new post-production studios in Riyadh. Supplied by Leader distribution partner Jigsaw24, the rasterizers will be used as master reference test instruments in the facility's colour grading, editing and compositing suites.
Nebras Films is the only full-service movie production studio in Saudi Arabia. Located in the heart of Riyadh, their recently launched 7,500 square foot post facility offers advanced film-making technology including editing suites (Flame, Avid, Nuke), Avid ProTools 12 with S6 Desk (7.1 Surround Sound Capabilities), (Baselight) Colour Correction, Digital Intermediates, 2D/ 3D Animation.
"We are fully up and running with eight full-time post staff, now being supplemented with talent from Europe and the Middle East," comments Post-Production Supervisor Cian McLysaght. "Our entire operation is file-based, centred around ROOT6 Technology's ContentAgent which functions as a coordinating hub. The Leader rasterizers enable our editors to check the signal quality of video and audio content at any point in the workflow. Each LV7390 is equipped to support 4K/UHD programme production and post as well as 4x3G HD-SDI."
"Five instruments have been delivered, comprising two LV7390 and three LV7770," adds Leader Europe Business Development Manager Kevin Salvidge. "Our rasterizers are very popular for post-production applications as they give operators the ability to inspect waveforms, colour vectors and signal levels in very precise detail on a much larger screen than can be accommodated in a portable instrument."
The Leader LV7390 is a compact 1U 3G/HD/SD-SDI rasterizer which can be used to measure up to four source channels simultaneously. It can be deployed for desktop or rack-mounted operation. Designed for easy connection into 3G-SDI, HD-SDI and SD-SDI systems, the rasterizer incorporates full-resolution 3G/HD-SDI and DVI-I raster outputs which allow detailed video and audio parameters be checked on a separate monitor in full 1920 x 1080 HD resolution.
The LV7390 can be configured by the operator to display waveform, vector, picture, audio and SDI status. Display layout is customisable from a wide range of available settings including an individual full screen or user-defined combinations. These settings can be controlled from the front panel or via a USB pointing device and saved for fast recall. 60 user-definable presets are accessible. A reference marker can be placed at any position on the rasterized image.
The LV7390-OP20 4K upgrade allows the LV7390 to support 4K/UHD programme production and post as well as 4x3G HD-SDI. It includes high dynamic range measurement capabilities for ITU.BT.2100 Hybrid Log Gamma, Dolby PQ and Sony Slog-3 protocols. This capability plus a compact 1U form-factor makes the LV7390 ideal for production environments that cannot accommodate a full size waveform monitor.
Also included with the LV7390-OP20 4K HDR upgrade is Leader's CINEZONE HDR. This uses false colour to display areas of the image extending into HDR so can be used on non-HDR monitors. Potential issues can be identified quickly and easily without demanding specialist technical experience. CINEZONE HDR reduces the need for re-takes or costly additional hours in post-production. It enables producers to acquire content in HDR whilst being able ensure that content will not require additional re-working for standard dynamic range distribution. The CINEZONE HDR option also supports HD formats.
Leader's LV 7770 rasterizing multi-SDI signal monitor allows production and post-production staff as well engineering supervisors in television and facilities to check the quality of their video and audio content on a much larger screen than can be accommodated in a portable instrument. It has two auto-sensing 3G-SDI/HD-SDI/SD-SDI inputs and can perform tests on a total of 17 video signal formats ranging from standard-definition up to 720p, 1080i and 1080p high-definition. Tri-level sync or NTSC or PAL blackburst are accepted for external reference. The selected input is reclocked and can be fed downstream.
Fully controllable from its front panel, via Ethernet or from an optional dedicated remote control panel, the LV 7770 employs a user interface essentially identical to the existing LV 5770, LV 5800 and LV 5700A. This ergonomic similarity allows operators to move easily between devices.
The LV 7770 feature set encompasses waveform, vectorscope, peak video level display, SDI/external-sync phase difference, audio, picture and data monitoring functions. Displays can be viewed at full screen size or in assignable combinations. Extensive error detection and error logging facilities are incorporated, including gamut detection and adjustable error thresholds. Digital analysis screens Include data dump as well as equivalent cable length readings.
Also available within the LV 7770 are Leader's unique CINELITE II relative brightness analyser, 3D Assist stereoscopic signal evaluator, EIA-708/EIA-608 closed caption data display, active format description data display, optional physical layer testing and ancillary data display.
A separate audio option card supports integral audio tools include Dolby metadata analysis and simultaneous display of 16 channels of SDI-embedded audio, audio loudness display, measurement of lip-sync timing.


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Volume discounts
discounts for adding items to your order
The Real Feel Lifelike Toyz No. 2 has a sensational texture just like real skin, silky soft and incredibly smooth as it vibrates intensely all across the surface. This smooth phallic shape is easy to accommodate with one of the more realistic size is from the real feel collection. A thick shaft is subtly detailed for a gentle massage as your body clench is around it to enjoy the firm feel as the smoothly rounded phallic tip presses up against the G-spot or prostate. It's soft, squishy balls at the base can be positioned to hit the clitoris or perineum, and make a comfortable and safe stop for anal play. Multiple speeds of steady vibrations rock the surface of this massager and they can be increased or decreased at any time by twisting the conveniently located dial at the base right or left. A waterproof design will make washing your vibe off after use an easy chore and makes it safe to take your toy from the bed to the bath. The beautiful Fanta-Flesh material is responsible for the Real Feel Lifelike name as it heats up along with use to match your body temperature all along the svelte surface and its squishy material imitates the experience and softness of actual skin. Use it with water-based lubrication and avoid contact with silicone products. Available in flesh, brown and black colours.
With a decent length of 7.5 inches this is a lot of fun. It's fairly realistic. This isn't as detailed as some of the premium dildos out there but the overall shape feels life-like and it feels good to the touch. You just adjust the dial at the base to turn on the vibrations and you can adjust the speed easily. I selected this one because it was a fair price and still gave me the sensations of a life-like vibrating dong. If you're short on cash this will satisfy your craving and you won't need to spend much to do it. I was originally looking for a silicone toy but the TPE this is made of has held up pretty good and still slides in easy.
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Project Description
Boat Audio Upgrades Maximize Your Fun!
Boat Audio System Upgrades
There is no way to allow the true volume of this install to be experienced in this manner. The marina owners required he leave the marina when turning it up!
Six very large Electro Voice speakers, powered by very powerful Electro Voice amplifiers assures you'll hear great sound anywhere on the boat, or in the water. Custom mounts by Audio One allow for directional flexibility. You had to hear it to believe it!


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Seven candidates for Miss Almond Blossom in the 52nd Annual Almond Blossom Festival will be officially presented to the Ripon community Thursday night at the Spring Creek Country Club.
The festival is scheduled for the last weekend of February with the dinner being "a fun way" to officially begin the festival activities, according to the chamber staff.
The "kick-off" event will include the judging of the girls in private sessions followed by the candidates giving their three to five minute speeches before the dinner audience. Each candidate has prepared a specific speech relative to life in the Ripon community.
The festival has named Manuel Luis of the Ripon Grange as their grand marshal with the entire Ripon Grange membership being honored by the Ripon Chamber of Commerce. Grange President Al Cataeno is also expected to be at the dinner to wish the candidates well in their pursuit of the crown along with representatives of Blue Diamond Almonds Salida facility.
Executive Director of the Ripon chamber Tamra Spade said it is important to the chamber not to lose sight of the history of the Almond Blossom festival and bring back what Ripon represents.
Soroptimist International Club of Ripon has mentored the queen contest candidates for the past some dozen years and once again their Debra Emig is acting as the Queen Bee in directing the girls throughout their activities.
Kaitlyn Bradley is scheduled to lead off with her speech defining the Grange as being the patrons of husbandry.
The "When, where and Why of the Ripon Grange 511" will be presented by Kaylie Sheaffer while Jessica Carmona will explain the role of Grand Marshal Manuel Luis in the festival parade.
Francesca Arnaudo's speech will explain what makes the San Joaquin Valley one of the world's most productive agricultural regions and Alyssa Sikkema will tell her audience why Ripon is called the Almond Capitol of the World.
How 4H members help to continue the animal husbandry legacy is the topic assigned to Desirey Ormonde. Krista Tyhurst concludes the speeches with her explanation of what role the Ripon Grange plays in the agricultural industry.
Cost of the dinner is $35 with a no host cocktail hour beginning at 6 p.m. and dinner at 7 in the Spring Creek club house.
The chamber staff is hoping to make this year's festival the best ever in more than 50 years but they are sorely in need of volunteers to assist in putting on the Almond Blossom event.
Help is needed in the office as well as along the parade route the day of the parade. The chamber information booth must be staffed and the numerous vendors need to be assisted in locating their booths at Mistlin Park on River Road.
Chamber President Janelle Zuidevaart is putting out a call to high school students who have community service time to offer, saying the chamber would be more than willing to sign off their service hours between now and the end of the festival.
The direction of the parade is being reversed this year for the benefit of better traffic control and flow of the parade's line of march. It will begin at the industrial area of Stockton Avenue and Fourth Street with the reviewing stand being set up on Fourth Street in front of the Ripon Community Center.
Dinner tickets may still be obtained at the chamber of commerce office on West Main Street. Each candidate has been given 1,000 raffle tickets to sell with the cash prize winner being named the night of the coronation, also at the community center.
Seven candidates for Miss Almond Blossom in the 52nd Annual Almond Blossom Festival will be officially presented to the Ripon community Thursday night at the Spring Creek Country Club.


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Gosh it was hard to say no to that voice.
Whenever I unrolled the window, my mother gave me these wise words:
So Uncle Richie was a great uncle I had…or…maybe it was a great great uncle…or…cousin…or something…who…liked to roll down the windows.
One day he was playing out the window, and–
So you can bet I spent my growing-up years in the car like this:
(My arms survived childhood.)
Wouldn't you know it, I was at a work meeting and told everybody this story, and do you know what they said??
Uncle Richie: Common Name? Or VAST PARENTAL CONSPIRACY?


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Aggressive grip in the wet and greasy.
Seeing Portland is known for perpetual deluges and rainy weather, the appropriately named PDX Tubeless Tire by Donnelly ensures reassurance and grip when you're racing across mud-caked courses and rain-soaked grass fields. Although it's great at racing across muddy, rain-soaked courses, it still performs admirably in a wide variety of conditions, thanks to its center knobs aligned for fast-rolling speed on packed dirt and pavement. The fast-rolling center is complemented with leading edge knobs for grip as you lean into corners, so you don't wash out without warning.
This particular version of the PDX Tire is setup for either running tubes or going tubeless, setting up quite easily in tubeless form for those desiring a bit more grip at lower pressures, as well as self-sealing reassurance. Additionally, it has an Aramid-reinforced bead that protects it from race-stopping punctures, slits, and cuts.
Please note, Donnelly Tires were formerly known as Clement, but have changed their name due to a licensing agreement. If you've been running Clement Tires on your bike for years, rest assured that Donnelly has retained the exact design, rubber compounds, and tread patterns for those tires of the same name.
- Designed for cyclocross racing on wet, mud-caked courses
- Center knobs aligned for fast-rolling on dirt and pavement
- Leading edge knobs for grip as you lean into corners
- Tubeless-ready for lowering pressure to gain traction
- Can be run either in tubeless form or with tubes
- Aramid-reinforced bead for flat protection
- Item #DLL0003
- Compound
- soft rubber
- Size
- 700 c x 33 mm
- Type
- tubeless-ready clincher
- Casing
- tubeless casing
- Protection
- Aramid-reinforced bead
- Recommended Use
- cyclocross
- Manufacturer Warranty
- limited
Tech Specs
What do you think about this product?
October 1, 2019
Great all-rounder
- Familiarity:
- I've put it through the wringer
I use this as the only tire for gravel, CX racing, and just rolling local MTB trails. It is grippy when it needs to be and flows when you hope it would.
Mike R.
November 6, 2018
- Familiarity:
- I've used it once or twice and have initial impressions
Sets up tubeless super easy. Great in the mud while still rolling quickly.
Eric White


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Elmhurst Park District News
Summer tennis programs kick-off on Monday, July 20 and registration is now open!
Monday, July 13 was a historic moment for Elmhurst Park District, as the District unveiled and dedicated Elmhurst's first new park in more than three decades.
The Park District is excited to announce that, in cooperation with the State of Illinois' Restore Illinois Plan, The Hub's Spray Ground will reopen Saturday, July 11 for 2 hour timeslots.
In accordance with the State of Illinois' Restore Illinois Plan and in order to try to ensure the safety and well being of our members, we are pleased to announce we will be opening the Courts Plus
As new guidance came to light late Friday afternoon, Elmhurst Park District staff has now thoroughly reviewed the guidelines in order to develop and post appropriate signage and is excited to annou
We're welcoming the community back to the parks with the reopening of picnic rental permits. Picnic permit requests will be accepted beginning July 1 for residents and July 8 for non-residents
As always, the health, safety, and well-being of the community is our priority, and the District continues to provide access to parks and facilities according to the State of Illinois Restore Illin
Parks staff will begin spot treatments with organic herbicide Districtwide the week of June 22.
The 'traditional' Funseekers and Courts Plus Summer Camps that many children have enjoyed through the Elmhurst Park District will not be offered this summer.
In light of the COVID-19 pandemic, the Elmhurst Park District will be keeping East End Pool and Smalley Pool closed for the 2020 swim season.
The local community focused show, Elmhurst: Our Community featured an interview with our Executive Director, Jim Rogers on their April 27 episode.
Sugar Creek Golf Course is now open for limited play, golf only! Some of the guidelines set forth by the Illinois Department of Commerce includ
Elmhurst Park District has compiled a list of phone numbers, websites & emails that may be useful for seniors & caregivers during the shelter at home order.
After weeks of quarantine, people are starting to feel cooped up and stir crazy. So when the weather warms up and the sun comes out, so do the swarms of people anxious to stretch their legs.
All in-person AARP events and activities will now be cancelled until June 1, 2020, as we continue our precautions against the COVID-19 Coronavirus"
Our Brain Game program has packets available online of brain teasers to do at home. Keep your brain and cognition healthy with these fun activities!
Registration for 2020-2021 Rec Station, which was to take place April 1, is postponed until further notice. Information about the new date will be posted on epd.org when it becomes available.
The public health crisis caused by the COVID-19 pandemic has impacted Park District operations and its ability to provide programs, facilities, and services to the community.
Yesterday we posted a reminder that playgrounds are closed by order of the Governor and that while it's okay to be in parks to walk, bike or jog, it is not acceptable to be in large groups. Many people chose to disregard the Governor's order, and we received an abundance of responses from people expressing concern about the volume of people in the parks playing on playgrounds and gathering on athletic fields and courts.
As a result, the Park District is taking further action to highly discourage those people who are ignoring the order by the Governor. Beginning today, "closed" signs will be placed near every playground. Playgrounds will be roped off with caution tape. Rims will be removed from basketball courts. Tennis courts and the skate park will be locked. And soccer and lacrosse goals will be removed from athletic fields.
To do all of those things, we will be asking our staff to leave the safety of their homes and expose themselves to surfaces that have been touched by thousands of people in the last two weeks. Any of whom could be infected.
We are also working cooperatively with the City of Elmhurst and the Elmhurst Police Department, and they are ready to assist with enforcement by dispersing people who do not follow the Governor's order. Park ambassadors will also be making rounds in the parks. And while they can all try to do their part to disperse people from the playgrounds or push out groups of people on ball fields and courts, their efforts are only temporary until those same people simply return once they're gone.
All that being said, we implore any of you who took part in the discouraged activity to seriously reconsider your actions. Please do not make us take the next step of closing down the community parks entirely. We want people to be able to get outside to get fresh air and go for a walk, but if this type of blatant disregard for the safety of others continues, we will be forced to do so.
Asking people to stay at home is tough on all of us. But in the words of Simon Sinek, we all must suffer a little so no one has to suffer a lot.
On behalf of the Board of Park Commissioners please take this seriously! Do your part to flatten the curve and save lives!
Jim Rogers
Executive Director
Fresh air is good, but please practice social distancing in the parks! The Park District is following Illinois Executive Order 2020-10 and, as a result, all District playgrounds are closed. Feel free to walk, hike, jog or bike while maintaining social distancing. Do not congregate in large groups. If you see someone violating the Governor's Order, please call 9-1-1.
Due to the recent facility closures we want to inform you of our current plans regarding refunds and credits:
- Memberships: Courts Plus members who have paid in full will have their membership extended for the length of the closure. For example; if we are closed for 3 weeks you will have a 3 week extension on your membership. Members who are on installment billing will not be charged during the closure. Accounts will be adjusted accordingly when facilities reopen and billing resumes.
- Rentals and Parties: We are currently working with rentals through May 15. If your party has been scheduled during this time we will be happy to refund or reschedule your event without a cancellation or rescheduling fee.
- Rec Station, Sunbeams & Rainbows, and other programs with automatic billing will NOT be charged or billed during the closure. All automatic billings and payments are suspended until we reopen.
- All paid events that were scheduled to take place during the closure will be refunded automatically at this time. You do not need to request a refund.
- Currently, all programs are on hold. We are working on plans to reschedule or cancel, and we will process credits and refunds when facilities reopen.
If you have any questions regarding our refund policy, please use the Contact form on our website. We will do our best to respond to you Monday-Friday between 9am-5pm. We thank you for your patience and understanding. We value you as a customer and look forward to serving you again in the near future.
Please note that the above mentioned refund practices are being offered during this special closure and are not our standard policies.
While our traditional summer programs have been cancelled this summer, that does not mean we do not have plans for fun!
Registration is open now through July 6 and is FREE through www.ggleagues.com.
Play starts at 7 p.m. on July 15 for 3v3 League and 7 p.m. on July 14 for 1v1 League. Playoffs are scheduled for August 19.
Click here for our COVID-19 Frequently Asked Questions
June 25 Update - Phase 4: Revitalization
As always, the health, safety, and well-being of the community is our priority, and the District continues to provide access to parks and facilities according to the State of Illinois Restore Illinois Plan and the Governor's Stay at Home Orders. Throughout the quarantine, District parks and trails remained open so that people could enjoy the mental and physical health benefits these spaces provide. During Phase 3 of the Plan, the District was able to reopen tennis courts and offer outdoor fitness classes at Courts Plus and Day Camp 2020.
As our region moves to Phase 4: Revitalization on Friday, June 26 under the Restore Illinois Plan, we are excited to announce a number of other openings throughout the District.
Friday, June 26
- Sand volleyball, roller hockey, and futsal courts will reopen.
- Basketball courts will begin to reopen on Friday, and staff anticipates that all hoops will be back up by Friday, July 3.
- Wilder Park Conservatory will reopen with restrictions such as one group in at a time.
- The Park District Administrative Office at 375 W. First St. will reopen.
Saturday, July 4
- The batting cages and miniature golf will reopen at The Hub along with limited concession items. To celebrate the reopening, both will be free on July 4th!
Other Phase 4 Updates
- Courts Plus staff is putting together a reopening plan and will be communicating more details with members in the coming days. The tentative reopening date is targeted for early July as staff can now prepare the facility for the modifications required for social distancing and occupancy limits, in addition to recalling staff from furlough and conducting in-depth training regarding the stringent cleaning and disinfection guidelines put in place for Phase 4. Information will soon be posted to the website at courtsplus.com, on the Courts Plus Facebook page and via Constant Contact directly to members. We appreciate your patience as we navigate the new restrictions and prepare for a safe reopening.
- Wilder Mansion will reopen with strict guidelines. Additional details will be released soon.
- Movie in the Park will be held on Friday, July 10 in Wilder Park with a showing of The Secret Life of Pets 2 in partnership with the Elmhurst Public Library. Due to capacity limits, reservations will be required. More details will be posted at epd.org and on the District's Facebook page in the coming days.
- Picnic shelters will open and permit requests will be accepted for rentals up to 50 people. Groups above that size will not be considered based on Phase 4 guidelines.
Other items to note
- Playgrounds and water fountains will remain closed per the Governor's Executive Order, however, staff will continue to await guidance on when they will reopen and communicate that to residents.
- Staff is awaiting guidance on the sprayground at The Hub and is hopeful to reopen later in Phase 4.
The Park District continues to review guidelines to determine the best way to safely serve the community while fulfilling our mission of Enriching lives while having fun! We look forward to seeing you once again at the courts, fields, playgrounds and programs.


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XD17: Connecting Asia's Small Businesses
On 15th August we're welcoming our awesome Xero Development Team to Singapore for the Asia instalment of our Developer Roadshow, XD17.
We'll be spending the afternoon with developers to talk about the importance of apps to driving success for small businesses, and how developers can integrate with Xero to connect with more customers and a larger network of complementary apps.
XD17 is visiting six countries and we'll be updating our partners around the globe with new features of and updates to our API. We're also connecting developers with the learnings and insights from their peers around the world.
Before Singapore's event, we spoke to some of our most popular apps in the region about what they're up to and the opportunities they see for app developers working in and looking to move in this market.
Read below our interview with Pascal Henry, Co-Founder of HReasily; Cameron Priest, Co-Founder of TradeGecko; and, Abraham Gibson, Director of Strategic Partnerships at Spotlight Reporting.
Join us for the event by registering here https://xd17-singapore.lilregie.com/step1
Tell us about your business
Pascal Henry, HReasily (HR): HReasily is a cloud based SaaS provider specialising in delivering HR solutions. We offer HR solutions that work, but using technology to automate HR processes such as payroll, leave, staff, claims management and more.
We're the only home-grown provider of this service. We offer one of our apps in English as well as traditional and simplified Chinese and Indonesian. We're currently finalising Thai, Khmer and Vietnamese versions, which makes us competitive in the Southeast Asia market.
We launched two years ago in Singapore. We're now working on Malaysia, the Philippines, Indonesia and Hong Kong. Also, we have a global version that integrates with Xero in places with different infrastructure, for example no tax.
Cameron Priest, TradeGecko (TG): We help commerce entrepreneurs build the businesses of their dreams, through online inventory and order management software. We strive to help SMEs save time managing operations, and more time doing what they love.
TradeGecko launched five and a half years ago and are now operational in 96 countries. We have offices in Singapore, the Philippines and Canada.
Abraham Gibson, Spotlight Reporting (SR): Spotlight Reporting is a cloud based reporting and forecasting tool to help accountants deliver strategic advisory services.
We're 5 years old, and though we've had multi currency capabilities from day one we've been actively building a presence in Asia for two years.
When did you integrate with Xero?
HR: We had decided we would integrate with Xero before we even officially launched. We met the Xero Head of Sales at an event, and after receiving positive reviews from our other partners – including our banking partner UOB – we were sold.
TG: From the get go.
SR: Day 1.
What are the benefits of integrating with Xero?
HR: There are benefits for both of us, and for our clients. We use Xero for our own business – religiously. And for our clients, our partnership with Xero means seamless integration from payroll to ledger entry.
TG: There is no amount of money you could pay me that would incentivise me to build our own accounting software, and all customers need an accounting platform. Our clients want complete solutions for their businesses, and accounting is the backbone of all business.
Xero is the best accounting solution available, and the integration means we can leverage both our strengths to meet the needs of our clients.
SR: Integrating with Xero saves us time, opens up new revenue opportunities and means we can provide management reports and forecasts professionally.
What trends are you seeing in the Asia markets among your customers?
HR: There is a definite move onto the cloud as the market better understands the benefits. It's incredibly rewarding when you help a traditional 'mom and pop' shop onto the cloud, and they end up saving themselves sometimes 5 full days of admin work a month.
The future is cloud. We're on the runway, and things are going to take off.
TG: In Asia we're seeing marketplaces driving cloud adoption, and there is increasing demand for android mobile based products.
The market is still fragmented, but 74% of commerce in the region is mobile.
SR: In the accounting sector globally we're seeing the shift to cloud. Accountants are moving into advisory rather than focusing solely on core compliance.
We see a huge opportunity particularly for English speaking Asia to adopt best in class cloud tools to modernise and streamline how they do business.
What would you say to international developers looking into Asia?
HR: It makes good business sense to be here. Southeast Asia and Hong Kong are massive markets – Indonesia alone is home to 65 million SMEs. There's a huge growth opportunity here.
One thing international market entrants need to remember is to be relevant. Localise, localise, localise!
TG: Know your market. Spend time building traction in your local market before making the move.
SR: Asia is still relatively early in the cloud journey, but is and will continue to adopt the cloud tools that are being adopted globally. Asia is a massive market in terms of population, number of businesses and accounting firms. The market is rapidly modernising.
What would you say to local apps in Singapore and Asia about integrating with Xero?
HR: There's certainly no harm integrating with the fastest growing accounting software, especially one that offers powerful bank feeds!
TG: The technology is easy, its distribution that's hard. When you're getting started, reaching customers can be difficult, so integrating with a bigger, well respected platform helps you scale much more easily.
SR: Xero has a world class API. If you want to do something in the financial space, in the cloud with ease of development, Xero is your go-to. It offers great developer support, and is lightyears ahead of its competitors.
What's next for your business?
HR: Our goal is to be THE HR solution in Asia.
TG: There's an opportunity for someone to become the dominant player in the market. While we're not there yet we think there is the opportunity to achieve this in the next couple of years. It's our ball to drop.
SR: We're seeding the market at the moment, servicing Asia remotely but supported with visits and targeted activity. We'd like to have staff on the ground in the next 12 months, and help grow the advisory and cloud message in Asia.
The post XD17: Connecting Asia's Small Businesses appeared first on Xero Blog.
Source: Xero


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(714) 546-7595
Dr. Koroush Bassiri completed his undergraduate studies at California State University, Fullerton and attained his bachelor's degree in Biological Sciences. He continued post-graduate studies at the prestigious University of the Pacific School of
Dentistry in San Francisco. He enjoys providing general and cosmetic dentistry for patients of all ages. He'd love to welcome you and your family to his practice. Memberships in professional organizations help Dr. Bassiri stay abreast of the latest advancements in dentistry. He is a member of the American Dental Association (ADA), the California Dental Association (CDA), the Orange County Dental Association (OCDA), the International Congress of Oral Implantologists (ICOI), and the International Association for Orthodontics (IAO). Continuing education and training also helps Dr. Bassiri in keeping up-to-date. He feels that his dedication to patients is reflected in his commitment to build upon his dental skills and expertise. Dr. Bassiri has completed courses in esthetic and restorative dentistry, orthodontics, functional jaw orthopedics, and implant dentistry. In addition to the art of spreading smiles, Dr. Bassiri's favorite past times include martial arts, yoga, and playing music.
Since 1999, we have provided superb cosmetic dental services to patients of Costa Mesa, Newport Beach, Newport Coast, and Irvine. By offering flexible hours and providing a complete range of restorative and preventative services, all in one location, we can deliver the services you want, when you want them. We use advanced and up to date sterilization techniques in addition to digital imaging which dramatically reduces exposure to radiation. Whenever you place yourself in the care of another individual, the relationship should be based on consideration, trust, and understanding. Dr. Bassiri and his team, are committed to the concept of gentle personalized care. We listen to your needs and fulfill them the very best we possibly can. We want you to be completely taken care of here at Bright Dental Care.
Insurances Accepted
Our goal is to make our services affordable to our patients. That's why we accept all PPO plans and most HMO plans. Feel free to contact us if you have any questions in regards to insurance coverages.
Payment Options
We accept all major credit cards, ATM cards, cash, and personal checks. Additional patient financing is available through Care Credit. With available no interest financing for 12 months, care credit gives you the freedom to complete your dental procedures whenever you're ready. Apply today and reward yourself with a brighter smile today!
Best Cosmetic dentist den...l Today! (714) 546-7595
Cosmetic Dentistry
Dr. Bassiri is highly trained in the aesthetics of creating new smiles for many of our patients. Using the latest in cosmetic dentistry, our dentist and professional staff will work together to restore or enhance your smile. We use the most modern technology and equipment in cosmetic dentistry so we can create the most natural looking smile for you. We believe that a beautiful smile is key to having a confident outlook and a happy life. Much depends on taking proper care of your teeth and mouth with regular dental visits. We at Bright Dental Care will do our part in taking care of your teeth, providing you with the best new smile aesthetically and functionally. Best Cosmetic Dentistry and dentist.
Porcelain Veneers
Porcelain veneers are customized restorations made of a ceramic material very similar to teeth. These thin veneers are placed on the surface of a tooth to provide a cosmetic solution for a number of different problems including:
Dental veneers are considered. Read more
Oral SurgeryThe doctors at Bright Dental Care provide all types of oral surgery for families . They have all been very extensively trained and are highly skilled in performing surgery in even the most challenging cases. They are also trained in all aspects of anesthesia, making sure that our patients are as pain free and comfortable as possible throughout their procedure. Our oral surgeons provide the highest standard of care for every single patient. We are proud to serve people of all ages, from young children to the elderly.
Costa Mesa Cosmetic dentist
We want this site to be helpful to you learning about Bright Dental Care, dental treatments, our services, health recommendations, payments accepted, insurance polices and financing.
We are proud to serve the surrounding communites of Costa Mesa, Irvine, Newport beach, Newport coast . We love creating quality smiles and helping you achieve optimal oral health. Dr. Koroush Bassiri specializes in cosmetic dentistry, orthodontics, oral surgery and general dentistryby using the latest up to date techniques in the industry. See our service page.
Bright Dental Care has 16 years of experience with families . Our oral expertise for Costa Mesa's families is what we pride our business on.
Contact us Now
320 Bristol Street Suite H Costa Mesa, CA 92626
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(714) 546-7595
320 Bristol Street Suite H
Costa Mesa, CA 92626
View Map
(714) 546-7595
9:00am – 6:00pm
9:00am – 6:00pm
9:00am – 6:00pm
9:00am – 6:00pm
7:00am – 4:00pm
By Appt Only
SUNDAY Closed
California > Costa Mesa >


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Product name
ladies fashion summer weave shoes
Upper material: Suede cloth+Mesh
Lining material : Mesh
Outsole material: TPR
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TEL:86-595-85605725 FAX:86-595-85608725What's App:13905951092 QQ:249095183 Address:2 Floor, Longde Building,Haiwei industrial,ChenDai Town, Jinjiang, Fujian,China
1. Are you a factory or company?
We are a manufacturer & trading company which is specialized in shoes for many years.
2. What's your payment term?
We can accept L/C;T/T;Western Union.
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If we have samples at hand, we can make it free for you, and you just pay us shipping cost.If we don't have it at hand, you should pay for the sample including shipping cost.
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photoshop resources and tutorials
Adobe TV: Again, this website offers tons of tutorials, straight from the makers.
Noupe: From the creators of Smashing Magazine, this site is for the curious designers who need a new idea or two.
Lynda: There are free tutorials here, even though this site offers videos for a subscription rate.
quick tips and tricks
>> Be a Visual Storyteller
>> Elements of Composition
>> A Photo Finish
>> Photography Vocab
>> How to Hold a Camera
>> What are f-stops?


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If I learned anything in graduate school (and let's all PRAY I learned at least something), it's that research or journalism is best supported by a lengthy, multi-source literature review. Finding out who has researched your topic before, understanding the trends of that concept, and extrapolating theories onto where that concept is going, create an interesting roadmap to contextualize your own specific article or topic.
Now, take that idea and let's look at in a more "real world" view.
People. Not everything you read on Facebook is real.
In this digital world, where headlines rule and content is king, the content machine churns out thousands of articles a day, all with that sound-bite headline meant to draw readers in and increase that news source's click-thru rate. One gem recently included a headline promising to expose celebrities' "arm-pit fat."
Now, I'm part of that machine. I'm a marketer, a content creator and someone whose job depends on proving marketing and advertising offer ROI. But in my personal world, I find it really, really troublesome this epidemic of assuming and believing content on the Internet without personal research.
We all have our beliefs, and we all have our ways of thinking, understanding and just "being" in this world. Creating our do's and don'ts, building our understanding of our world from our families and friends, and living within our comfort zones are all ways we create social norms and learn how to survive in this crazy world. But borrowing a term from my master's public opinion class, I suggest we all need to have more "cross-cutting" conversations.
Now, in political communication speak "cross-cutting" is more about having conversations about differing political views. Say a Republican has a conversation about abortion with a Democrat and both walk away from the conversation learning something from the other. That's cross-cutting. Being exposed to something different and learning from it.
In our lives, I think it's critical to have cross-cutting conversations about everything (well except the superiority of chocolate milk over regular milk, that's just a given). Religion. Pop culture. Politics. How to make the best gumbo. Baby raising. You name it. Understanding different points of view, seeing how other people see the world and not being afraid to hear others out, I believe, allows for a deeper formation and solidification of our own morals and values.
I heard a quote the other day: "Be open minded, but not so open minded that your brains fall out." And I love how it alludes to the healthy idea that it's important to learn about your world, but not be so gullible or scared that you lose yourself. For me, this is an ongoing process. I have very solid and stable beliefs in my faith, in God and how I want to operate in my social paradigm, but I'm also open to hearing about how others live, what others think about the issues I believe strongly in, and how others live in their own paradigms. It helps give me perspective, a way to speak to my beliefs, and I often walk away learning something new.
So, hopefully the next time you see that article on Facebook claiming something absurd, whether it be politically, religiously or pop culturally, take a moment to research the topic, learn from it and THEN get on your soap box to state your opinion. Then, the world (edit: Facebook) will be a much smarter place.


text: Get Involved Donate now Donate Each day 34 young adults in their 20s and 30s are diagnosed with cancer. For this age group, survival rates are better than ever, but the physical and emotional impact of cancer remains life-long. There are more than 120,000 young adults living with cancer in the UK today. And this number grows by over 12,500 every year. We are committed to making sure that no young adult has to face cancer alone. This growing group of young adult cancer survivors has access to limited resources and inadequate support, as well as experiencing a lack of awareness and understanding from the community around them. Trekstock is committed to supporting them so that no young adult has to face cancer alone. Donate now and help us make sure that other like Tom are supported on a journey that doesn't stop after treatment.


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1. Please make sure this parts fits your particular model. Many bikes have the same name but use different parts depending on your year of manufacture.
2. The Photos are for your reference only, and the goods is subject to the rear product which you will receive.
3. Import duties,taxes and other customers related charges are not included. Buyers bear all responsibility for all extra charges incurred(if any).


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So while Megan, Hanna, and Dermot dealt with the huge task of narrowing down and editing our literature review, Sam and I began the process of finding information for our Methodology section. Bear with me, this may get a little dry.
Month: April 2016
And then there were five…
As countless case studies have shown (trust us – we've read them all), building an institutional repository is no easy feat. Being full-time graduate students with jobs, coursework, and personal lives AND building an IR is even less simple. As I'm sure many of our fellow students can attest, capstone projects are not without their challenges, and we've been facing our fair share.
"People who know what they're talking about don't need PowerPoint" – Steve Jobs.
As part of our Capstone module for the MLIS, we have to do a short 5-10 minute long presentation about our work on the project so far next Friday (April 15th 2016). Luckily for us, we have kept a very detailed work log throughout the project (thanks Hanna!) and, because of this blog, we have a heap of information that could make up a presentation!
The Quest for Knowledge
I was going to try and make this post exciting and witty but I'm not sure that's possible with a topic like literature reviews. Instead I'm going to aim for endearing and motivating, topping it off with the sprinkle of tenacity that's needed to read twenty articles in the first week of Easter break.
GANTT… ah ahhh… saviour of the Univers(ity)
In case you were confused about the title!
So my post my first post here will be dealing with the wild and wonderful world of GANTT charts. So exciting, I know. But to be honest, a good GANTT chart is the first step in the long process of project management. We are a team of six and, as such, it can be quite hard to keep tabs on everything we're doing and where we are at with the small pieces that will eventually lead to the BIG PICTURE. In our case the big picture is the development of an Institutional Repository.


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Kurdish forces are also attempting to take back the city of Mosul, while ISIS militants have stepped up suicide bombings across Iraq.
The city has been under ISIS control for over two years. The bid to take back the city is being supported by paramilitary troops, and is receiving aerial assistance from the U.S.-led coalition, the Associated Press reported.
Fallujah is considered important to ISIS because it acts as a staging ground from which they undertake attacks in Baghdad and Sadr City.
Earlier this month, Baghdad and Sadr City were hit by three bombs in the space of just a few hours, killing 80 people on the deadliest the Iraqi capital had seen in a year.
If the recapturing of Fallujah is successful, ISIS will be pinned back towards the city of Mosul, which effectively acts as the capital of the territory the group has captured in Iraq. This means militants would have greater difficulty in making further advances in the country.
The Reopen America Back to School Special is now live! Save up to 60% on our most popular items!


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Ms. Thwaites & Mrs. Guiseppe, Advisors
Student Council will be a forum for student ideas and issues, provide service to the school and plan and carry out social functions. Student Council meets every other week during the school year.Student Council is open to all students of the high school. Membership is by petition. Elections take place for membership if more petitions are turned in than can be accepted.10th, 11th and 12th grade representatives are elected in the spring for the upcoming school year. 9th grade officers and/or representatives are elected in the fall.Follow Student Council on Twitter https://twitter.com/octstucoAnd on Instagram @octstuco


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Consistent with Accenture's culture, my days are dynamic and non-typical. Currently, I am 100% dedicated to one client, so I do not spend a lot of time in the Accenture office. With more than 200+ onshore resources on this account, I am frequently presented with a variety of leadership challenges and opportunities.
In addition to mentoring and other Accenture activities, I collaborate with my client on ways for us to enhance our partnership. Like most other consultants my days are full of meetings, deadlines, tough decisions and opportunities to work with some of the best and brightest people in business.
There are so many things I have learned from my time here at Accenture, yet one of the things that continues to ring true is that having excellence as your standard will never hurt you. No matter what you are doing, do it well and be the best you can at it. What you do when no one is watching counts, and ultimately you are able to sleep better as a result. In short, remain humble, focused and collaborative.


text: Look alive! Get ready for Halloween with these mix-and-match doll costumes and you just might act a little devious this year. From broken dolls to voodoo dolls and everything in between, you'll be able to create the most daunting look with stitched up stockings, little dresses, and oversized props. Accessorize with a cute wig, big bow, and even some makeup to look prim and proper or create the illusion of stitches or cracks. Whether you're going for a damaged or devilish look, you'll have everything you need to transform into the most deadly doll.


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Thankfully, we got posters and announcements up before she left town and Mrs. Woodward bought most of the ingredients this time too, so that was nice, but this morning dawned way too early and one of my tasks was to make 96 unfrosted cupcakes before 2:00.
I just wasn't feeling it. I don't love cooking anyway and baking is only marginally better (mostly because the kids will usually actually eat the things I bake). By noon I knew I couldn't put it off any longer. By 2:20, I was parked at the high school with my basket full of goodies for yet another fun and exciting meeting.
Crafty is getting so good at running the meetings by herself, she really doesn't need me. I spent my time taking down the posters, talking with Mrs. Woodward about next year, and locating her FCCLA project. Oh, and running back home to get the sprinkles and colored sugar I forgot...
But the cupcakes turned out so cute! Our attendance was down because of the change in dates, so we had plenty to bring home for the kids and grandkids to decorate. (At least I managed to do one good thing preparing for Easter.) Right now my plate is pretty full.
|So is Crafty's.


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Friday, February 8, 2008
Sesame Street: Teeny Little Super Guy
Aside from that, it had the coolest theme song ever. I never did forget it, even during my post-Sesame Street, pre-Youtube years.
In the following clip, Teeny Little Super Guy learns about Danger. Enjoy!
3 comments:
- James said...
You're killing me here. Teeny Little Super Guy? That great HBO bumper? I swear I haven't heard that song in probably 12 years, and I still remembered the whole tune.
What about Gummi Bears? Great theme song.
Great blog.
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- February 12, 2013 at 7:13 PM


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Study finds working more hours could kill you
New research says working extra hours could be bad for your health. Not like we need any more proof of that, but hey - it can't hurt to have all the possible facts. And actually, it doesn't even have to be hours, PLURAL. One to two hours of extra work can boost your risk of cardiovascular disease. At least that's what the Journal of Occupational and Environmental Medicine says.
For the most part, people with typical full time jobs worked more than the standard 40 hours a week, clocking in at around 45. The study found that over 10 years, those people only saw a 1% increase in risk for cardiovascular disease for every extra hour worked. Not too bad. But the longer you work, the worse it gets. Working a 55 hour week saw a 16% increase, and a 60 hour week lead to a 35% higher risk of heart disease.
Watch the video above to learn more!
For more on increasing your overall health, check out some tasty, healthy snacks below:
See Gallery
More in wellness:
A cancer-detecting bra may finally be a reality
7 high protein snacks
Splenda is officially bad for you


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Every year at Monocircus, we organizes a Sale Campaign in Summer as well as in Winter. As from this year, during the Spring season, we will be holding a 10% Back in Reward Points campaign.
Usually for any purchases made in Monocircus.com, a 1% reward points is awarded for every purchase. For this Spring Time Campaign, each purchase made during this limited period of April, will earn you 10 times more points, which means 10% worth of reward points goes back into your account.
With the vivacity of the season of Spring where the flowers and greenery sprouts new petals and leaves, and which marks a new beginning in various aspects of daily life, we hope to carry on our creative journey with the same if not more vitality and dedication, and continue to bring you more exciting new works.
Kindly note that to make use of this reward point system, you will be required to register an account, if you do not already have an account with Monocircus.


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I suppose I need to find a better time to blog than on Fridays because that doesn't appear to be working out very well. I guess I will try posting periodically through the week, but sometimes I just don't have anything to blog about. Luckily for you, that is not today. There is plenty to catch up on.
First I will show you a bad picture of my pretty dishes, that I talked about in my last post.
I know that they are avacado green and old, but they are really pretty. I love that they are Corelle – light weight, thin, but awesome quality of glass.
In other news, I've basically completely given up on my sewing machine. It is old and pieces seem to fall off everytime I try to use it, and fixing the mistakes seems to be more effort than just sewing by hand. So that is what I've been doing instead -hand sewing everything. Starting with these hexagons.
I've made twice as many as this, and I have a complete stack of fabric pieces ready to be sewn. At first I was going to make a pillow, but now I think I'm going to size it up to a wall hanging. I really love the light shade of teal and think that it would be beautiful to paint the sewing/living room a shade of that color, which would make the wall hanging really "pop"! (Just add painting the living room to my to do list. Ha!)
With some of the fabric scraps, since I'm using a layer cake of the "Plume" line by Tula Pink I decided to make a mini quilt block. It measures by about 5″, so 4 1/2″ finished. I'm not sure what I'm going to do with it, especially since I don't really have enough scraps to make more like it, but it sure is cute.
Other than that, the only other thing I've sewn in the last 2 weeks is a lunch bag made with some of the blue ornamental oil cloth I bought at the SewFlakes sale in February. When I finish it, I will post a picture.


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