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About St. John:
The Town of St John is the fourth safest place to live in Indiana AND the fifteen safest small town in America as rated By Movoto Real Estate. The Town of St John is also the 17th best city in Indiana for young families.
Located 24 miles southeast of Chicago, St. John is filled with quiet neighborhoods, quality schools and churches. St. John is a well planned community. An extensive bicycle and pedestrian trail winds through lovely subdivisions. Over 20 well equipped parks and an active Park program provides a myriad of activities for our residents. We have many local specialty shops and selected larger retail stores. So whether you have a growing family, are empty nesters or somewhere in between you'll find we are close enough to urban areas to make it a short drive there and yet far enough away to be a refuge of quiet simplicity.


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Manchester City manager Roberto Mancini is hopeful that the start of February will provide his club with a change in fortune after a disappointing beginning to 2012 threatened to derail their quest for honours.
City's expensively-assembled side lost four of their eight matches in the first month of the year, exiting the FA and League Cups and seeing Manchester United draw level with them on points at the top of the Premier League.
However, the opening fixture of February saw City beat Fulham convincingly, a 3-0 victory maintaining their perfect start to this season of 12 wins from 12 home league games and restoring a three-point lead at the top over United, who face a visit to Chelsea today.
"I think maybe after tonight something can change for us," said Mancini. "January was not a bad month but a difficult month for us. Now, maybe, we can go the other way. The clean sheet was important for the team and it was important to win quickly after the Everton defeat.
"I don't think this puts pressure on United, they are used to always being there on top. But they are like us, we know if we want to win this league we should just try and win all the games and not think about other teams.
"We know we shall have to fight against fantastic teams - like United, like Tottenham - to stay on top, so it is important to stay focused on yourselves."
After losing in midweek to Everton, their third league defeat of the campaign, City responded with a dominant victory courtesy of a Sergio Aguero penalty, an Adam Johnson shot, which took a heavy deflection off Fulham defender Chris Baird, and an Edin Dzeko strike.
City's recent indifferent form has not been helped by the absence, at the CAF Africa Cup of Nations, of influential midfield player Yaya Toure of Côte d'Ivoire. City have lost three of the six games for which he has been unavailable, although Mancini was pleased with the individual displays of his goalscorers in Toure's continued absence.
"I was pleased with Adam," he said. "It was a good performance. I always thought he was a fantastic player, it is just that he can always improve. And I was pleased with Edin and Sergio, not just because of their goals, but because they played for the team."
Mancini confirmed that Samir Nasri was forced off during the game due to a hip injury, although the midfielder has an extra day's recovery this week with City not in action until their visit to Aston Villa next Sunday.

subset: commoncrawl


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Avengers Vs. X-Men -- Speculation, Spoilers, and Discussion
View Single Post
September 1 2012, 11:04 PM
Guy Gardener
Fleet Admiral
Location: In the lap of squalor I assure you.
Re: Avengers Vs. X-Men -- Speculation, Spoilers, and Discussion
It's because they work from home, in different parts of 'the country' and even the world.
It's not the good old days when everyone had to wear a suit and had to go into the office.
Although, i suppose those retreats they go on could last longer.
Failing that.
Maybe we could raise all the young writers in kennels from now on to teach them good habbits?
"Glitter is the herpes of arts and craft."
Troy Yingst. My Life as Liz
Guy Gardener
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What does LARK stand for?
What does LARK mean? This page is about the various possible meanings of the acronym, abbreviation, shorthand or slang term: LARK.
We've found a total of 3 definitions for LARK:
Filter by: Sort by:PopularityAlphabeticallyCategory
Landmark Bancshares, Inc.
Lisa Austin Ryan Kaylee
Livermore Amateur Radio Klub
What does LARK mean?
- meadowlark, lark(noun)
- North American songbirds having a yellow breast
Still can't find the acronym definition you were looking for? Use our Power Search technology to look for more unique definitions from across the web!
"LARK." Abbreviations.com. STANDS4 LLC, 2015. Web. 24 Nov. 2015. <http://www.abbreviations.com/LARK>.


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Photos: The Best of Rangers manager Ron Washington
Photo: John F. Rhodes / Staff Photographer
Texas Rangers President Nolan Ryan, Manager Ron Washington and General Manager Jon Daniels enjoy a laugh at a post-season press conference prior to the Rangers Rally at Rangers Ballpark in Arlington on Nov. 3, 2010.
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OD leaders offer insights into how organizations must lead, change
July 16, 2015
Area leaders in Organization Development will discuss current research in the field from 8:30 a.m.-4:30 p.m. Friday, July 24, at Memorial Medical Center
Benedictine University at Springfield and the Central Illinois Organization Development Network present David W. Jamieson, Ph.D., a scholar-practitioner with over 40 years of experience consulting to organizations on leadership, change, strategy, design and human resource issues and over 30 years teaching graduate education across six universities. Jamieson will present "Strategic Human Resources" at 9:30 a.m. on Friday, July 26 in the Chiara Center, one of the healing ministries of the Hospital Sisters of St. Francis, is located near Springfield inside the gated entrance to the Franciscan Life Center.
The Sixth Annual Springfield Lecture Series is sponsored by Benedictine University at Springfield's Ph.D. in Organization Development program, which brings top national academicians and consultants to Benedictine's campuses to address major issues in organizational behavior and development.
The lecture series begins at 8:30 a.m. with registration and finishes at 4:00 p.m. followed by a reception honoring the Central Illinois Organization Development Network's fifth anniversary.
Jamieson has served in many leadership roles within professional associations including National President of American Society for Training and Development and Chair, Management Consulting Division of Academy of Management. He serves on the editorial boards of three professional journals and as editor of Practicing OD and associate editor of Journal of Management Inquiry.
Jamieson has published extensively with four books (Managing Workforce 2000; The Facilitators Fieldbook, 2nd Ed; and Consultation for Organization Change), 11 chapters (e.g., The Practice of OD; Strategic Human Resource Thinking; Aligning the Organization for a Team-Based Strategy) and numerous articles in journals and newsletters (e.g., Managing 'Use of Self ' for Masterful Professional Practice; Building Trust; New Consultant Roles and Processes in a 24/7 World). Today he continues to shape his fields, dividing his time between educating executives and practitioners of change, consulting in HR and organization change and writing to bridge knowledge and practice.
The lecture series draws from Handbook for Strategic HR: Best Practices in Organization Development from the OD Network that Jamieson co-edited. Jamieson will challenge practitioners to consider the changing role of human resources and see that it is no longer limited to hiring, managing compensation and ensuring compliance.
The lecture is open to the public, but seating is limited. Registration is required by July 25. For more information or to register, visit http://springfield.ben.edu or contact Jan Kirby at (217) 525-1420, ext. 3519, or email@example.com.


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Are You Micro-Active?
Micro-activism: The act of making small changes in our individual lives, then telling others about what we are doing, to create social change. Here are some easy things you can do to help change the world.
Use less plastic.
Plastic is made from oil. Not only that, but it burns oil getting to you and it dumps gunk into the air. All that crap and somebody takes your money to get it to you. The sad fact is that every piece of plastic ever made is still with us, unless it's ben incinerated.
Specifically: Make your own yogurt, ricotta cheese, kefir and sour cream. Stop buying plastic trash bags. Buy milk in glass bottles. Use a refillable water bottle. Take reusable containers to the restaurant. Reuse those produce bags (or bring paper). Get your cleaning supplies in boxes. Disposable plasticware? Really? Stop chewing gum (yes, it's really plastic). Give up straws. Buy in bulk. Reuse jars. Use matches. Bring your own coffee mug (even the paper cups are coated in plastic). Buy your juice in glass bottles, or make your own. No disposable diapers, please.
Shop Locally.
Yeah, I know. The prices are higher, the selection is not as good, and you have to pay sales tax. So what? Your short term gain is your long term loss. I mean, if you want to make change happen you have to contribute to the solution. It's not like you're going to jail for your beliefs. Micro-Activism requires small personal changes to support the greater good - not all of them are painless. Besides, do you really want Amazon and Walmart to dictate what you can buy from some down-trodden, third word country in the future?
Specifically: Shop as close to home as possible - you'll save money on gas by shopping next door. That farmer will appreciate your business. Buy products made close to home. Buy from the independent store rather than a faceless big box store. A stronger local economy transfers wealth to your community from global corporations.
Use cash.
This is another way to use less plastic. Every time you use a credit or debit card, the merchant pays up to 4%. It comes right off the top and goes to a big bank. It would be better if your favorite store owner kept that money as extra profit. Local money tends to be spent locally.
Specifically: Carry cash, keep your local economy strong and keep your money out of the hands of the banksters. Want to go one step further? Join the Stamp Stampede and send the message that it is time to remove the influence of money in politics. The lack of solutions to our social problems can be traced to the legal bribing of politicians.
PO Box 454
Jeffersonville, VT 05464


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Get your local news anytime, anywhere!
Go to FOX 45 on your cell phone to stay in touch 24x7! Get the latest news, weather, sports and traffic while you're on the go - RIGHT NOW!
FOX 45 is on The Mobile Web
FOX45 is on the mobile web! Go to fox45now.com on your mobile browser to view our FREE site! You can get all of your local news on your phone.
Text WRGT to 45203 and a link will be sent to you via text message. Message and data rates may apply. To stop a service at any time, reply STOP to 45203 to end all messages. Text HELP to 45203 to receive help information or just reply HELP to any message. Consent is not required to buy goods and services. Participating carriers are: AT&T, Verizon Wireless, Sprint, T-Mobile, Virgin Mobile, Boost, U.S. Cellular and Alltel. To view the full terms and conditions, click here. To view the privacy policy, click here.
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Find out what's happening immediately! You can get news alerts sent right to your phone! When the bad weather hits you can even get school closings sent to your phone. Find out when the storm is coming and if your school is closed before your day gets started!
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Download the FOX45 app for FREE from the iPhone App Store or Google Play Store!
Watch the latest news and weather videos and get traffic reports - no matter where you are, you can stay in touch with your local community!
Entertainment Links
Tonight on FOX 45
7:00 pm ..... The Big Bang Theory
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12:30 am ... 2 Broke Girls


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HS87's compilation All I've Ever Dreamed Of arrives in three days, and Hit-Boy gathers a handful of guests outside the label for its latest offering. Produced by the Grammy-award winner himself.
Tag: redman
Meth's celebrating his bday today and performed at the Key Club last night. During his set, he brought out the Funk Doc for "Da Rockwilder" as well as RZA for "Wu-Tang Clan Ain't Nuthin Ta Fuck Wit". hhh
Rack 'em up. Reggie returns with new music and brings it to the pool hall with Meth and Ready Roc in his brand new video. Hopefully, nobody got hustled out of their money.
Reggie and
Mister Cee returns with his "Best Of Tuesday" mix series. This afternoon, he blessed us with over an hour of classics from the game's dynamic duo, the Funk Doc and Johnny Blaze. ifwt
Ring the alarm. Reggie hits the streets and wrecks havoc over an Erick Sermon-production. Sheesh, the Fuck Doc still has it in him. THWD coming soon.
As the Northeast still recovers from the storm a few weeks ago, Reggie raps away in support for those affected by Sandy. Look out for Muddy Waters 2 (no pun).


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Monroe tennis #2 singles player Saul Escudero watches as his volley returns over the net in last Monday's tennis match against Cascade High School. Monroe lost the match 2-5 at home, while earli [...]Read More
Falcons fly over Bearcats Friday
A big night ended in a big loss for the Bearcats Friday night when they hosted the Woodinville Falcons, as well as a marching band and cheerleaders from the University of Washington. Although M [...]Read More
Bearcats fall as Lake Stevens avenges last year's loss
By Adrian Johnson Last year's game between Lake Stevens and Monroe, although not especially significant at the time, resulted in the difference in the final standings that allowed Monroe to take the l [...]Read More
Monroe tennis team takes loss to Lake Stevens
Bearcat tennis singles #1 Garrett Amsberry serves during last Wednesday's match against Lake Stevens High School's junior varsity team on the Monroe High School courts. Monroe lost, 1-6. P [...]Read More
Monroe's JV Bearcats can't hold off Juanita
JV Bearcat #10 quarterback Nick DiMondo hands off to running back #25 Tristan Lund in last Monday's home game against Juanita's JV team. The final score was Monroe 7, Juanita 20. Photo by [...]Read More
Monroe Bearcats get first win of 2013 season
After holding the Marauders to four downs following the opening kickoff, Monroe opened the scoring, driving 70 yards. Gabe Moore scored from four yards out with 2:47 left in the quarter. Mariner answe [...]Read More
Jackson runs past Monroe in opening day defeat
Quarterback #12 Andrew Zimmerman hands the ball off to #15 Shaden Mixayphone in Friday's season home opener against Jackson High School. Both schools' offenses were in control of the game, givin [...]Read More
Bearcat teams have strong return players, coaches this fall
By Polly Keary, Editor As students return to class this fall, some strong athletes and coaches are returning to fall's sports teams, coaches say. And that means that fans can look forward [...]Read More
Monroe wins in world's longest lacrosse game
By Shellee Vandeventer Players from the Everett and Monroe Lacrosse clubs (with some Snohomish, Stanwood and Overlake players) converged on Kasch Park in Everett Friday, Aug. 23, in hopes of beating t [...]Read More
Runners kick off inaugural 12K for K-12 race
Runners took off from the starting line on Saturday, Aug.17, for the inaugural 12K for K-12 Fun Run, a project of the Sultan-Monroe #160 Masonic Lodge. The run consisted of a 6-kilometer route and a 1 [...]Read More


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The Pirelli calendar gets a feminist makeover
Stars like Amy Schumer and Serena Williams replace the bronzed supermodels of the past in the 2016 calendar. Shot by Annie Leibovitz »
Lorraine Kelly shocks viewers with 'sit on your face' comment to Piers Morgan
TV presenter Lorraine Kelly shocked viewers with a comment she made to Good Morning Britain host Piers Morgan as he presented her with a birthday present.Press Association
Women Who Urinated In Front Of Praying Muslim Family Are Spared Jail
Two women who urinated in front of a Muslim family while they prayed in a park have walked free from court. Natalie Richardson, 32, and Claire Farrell, 36, who were drunk at the time, shouted racist abuse and pulled down their underwear and squatted within metres of the Syrian family, which included two children aged eight and ten. Another six children were in the company of the two drunken women on a Sunday afternoon in Central Park, Plymouth on August 16.Yahoo News
Victoria Beckham's shop just got a very famous new sales assistant
Bet she was "desperate" for the help in the lead up to Christmas…SNAPPA
The Longest Celebrity Relationships (20 photos)
It seems like this 2015 has been the year of mass break-ups and divorces. So let's restore our faith in the L word by checking out the long-term loves of celebs who found their happy ever afters.Yahoo Celebrity UK
Daredevil escapes death after bridge stunt goes horribly wrong
WARNING: Do not ever attempt the stunt performed in this video! See what happens when a skateboarding daredevil attempts to ride down the Erasmus Bridge in Rotterdam, Netherlands. What was this guy thinking?!Rumble
The Truth Behind That 'Alien Megastructure' Is Weirder Than We Thought
When NASA's Kepler Telescope revealed that it had found what could have been an 'alien megastructure' orbiting a distant star, it didn't take long for both the wider community and the public to embrace what could have been our first glimpse at alien life. Sadly, and as is usually the case, Kepler's scientists have been hard at work trying to ruin all our dreams and have come up with a more likely alternative. Rather than being a large group of interconnected structures, researchers believe that the strange light coming from the star is because is being engulfed by a swarm of comets.Huffington Post q
'X Factor' Star Collapses On Stage After Elimination
4th Impact singer Celina Cercado dramatically collapsed on stage, after the group were eliminated from 'The X Factor' on Sunday (29 November). The girlband star fell unconscious after the cameras stopped rolling on the ITV talent show, and paramedics rushed into the show's studios to help her. The Mirror reports their mentor Cheryl Fernandez-Versini was speaking to the girls when Celina suddenly collapsed, and screamed for medical assistance.Huffington Post q
Yodel Delivery Driver Saved Customer's Mobile Number Then Flirted With Her By Text
A Yodel delivery driver saved a female customer's mobile phone number and then used it to send her flirty text messages. Alena Faulkner, 24, from Crawley, West Sussex, was appalled by the behaviour of the driver, who had delivered her a set of drawers in two separate visits. It was only the second time she has used delivery service Yodel, after ordering some storage units from eBay.Yahoo News
Wilder eyes unification bout with Fury
Tyson Fury laughed off the possibility of facing Deontay Wilder, but the American said: "I want that fight to happen as soon as possible."Omnisport
Boy Finds Funny Way to Catch Attention of Mom Obsessed With Phone
Parents sometimes need a bit of a break from their kids but one mom who dared speak on the phone in front of her little boy is paying the price.Yahoo Parenting Contributors
Why pancreatic cancer is the hidden killer
In fact, the lack of awareness among both the public and doctors (a recent study found three quarters of Britons couldn't name a single symptom) and a desperate shortage of treatment and research have meant survival rates are pititful – with only four per cent of patients surviving for five years as opposed to 87 per cent of breast cancer patients. The statistics are shocking as an early diagnosis can mean the difference between a tumour that is treatable with surgery and one that isn't. Almost half of those diagnosed with pancreatic cancer will, like Ivan, get their diagnosis in A&E (compared to just 20 per cent of other cancers). 'By the time they get to A&E they're showing classic symptomsTelegraph.co.uk q
'Apprentice' Candidate 'Quits, Following Lord Sugar Tirade'
'Apprentice' candidate Scott Saunders reportedly walked away from the series, after being torn apart by Lord Sugar in the boardroom. The Sun have reported that Scott made the decision to quit the show when Lord Sugar and his aides, Karren Brady and Claude Littner, told him his performance in a task had been "the worst ever seen on the show". A source tells the newspaper: "Lord Sugar was absolutely ruthless.Huffington Post q
11 British words that make Americans think of something totally different
Dummy When Brits talk about using a dummy to comfort their baby, Americans must imagine all sorts of unnerving scenes. Biscuit If Americans dunk biscuits in their tea, all they get is savoury bread floating around in their mug. It's not quite the same is it? A nice chat, a cup of tea and... a wet scone. Jumper When Brits keep going on about knitwear, Americans are imagining a long-legged basket baller being able to leap to impressive heights. Yeah, that's why your friends were so reluctant to see that action film Jumper with Hayden Christensen. It was probably very good but who wants to see a whole movie about warm clothing? Rubber The Brit: "Can I borrow a rubber?" The American: "erm, ok. What,RadioTimes q
Watch: Tiger Becomes Friends With Goat He Was Supposed To EAT
An unlikely friendship has developed between a tiger and a goat that was served up to him for his lunchtime meal. Amur the tiger, housed at the Primorsky Safari Park in Russia, did not seem to be interested in devouring Timur the goat when it was introduced to its enclosure. Instead, the pair seemed to buddy up, with Timur following around his fearsome new friend everywhere he went.Yahoo News
Five ways Russian sanctions can hurt Turkey economy
Russia's economic sanctions against Turkey over its downing of a Russian warplane could hurt the Turkish economy in several areas from fruit to tourism, even if the initial impact is likely to be limited.AFP
Axed 'I'm A Celeb' Pair Slam Lady C's Air Time
"Lady C has probably been give more air time than anyone else, she's probably in the papers back home more than anyone else," Susannah explained. Brian added that Lady C was only a "small part" of his jungle experience, saying: "I have been out for 12 hours and all I seem to hear about is the Lady C feud.Huffington Post q
New mum beaten up by partner for showing off new baby to friends
Jealous Anthony Davies, 33, attacked his girlfriend just two days after she gave birth to their baby. He pushed her over and dragged her around their house in an attack as their baby slept in a Moses basket. Swansea Crown Court was told the stitches she had from the birth had burst during the attack. Davies was said to be "frustrated" her friends visited the newborn ahead of his brothers. Judge Huw Davies told him: "You acted in a wholly unacceptable way. This was a frightening experience for your partner." Davies, of Pontarddulais, admitted battery. He was sentenced to a 12 month community order.ITV News q
A Birmingham Student Is Trying To Make Her University Class Rape As An 'Extenuating Circumstance'
A student from Birmingham is trying to make her university class rape as "extenuating circumstances", in the wake of research which revealed nearly half of students at the institution had been sexually assaulted.Huffington Post q
Davids: Messi is an anomaly but Ronaldo just an athlete
Edgar Davids has tipped Lionel Messi to win the 2015 Ballon d'Or and derided his main challenger Cristiano Ronaldo.Omnisport
It's time we declared war on pensioners
Of course, I know that anecdotes aren't data. But there's quite a bit of that too. Last month, the Institute for Fiscal Studies made a rather interesting announcement. According to its analysis, the median income for pensioners in 2013/14 was £398 a week, while the median income for working age people was £384. The IFS's director, Paul Johnson went on to explain that while pensioners had once had it tough, this was ancient history. "What we've seen consistently since the 1980s is pensioner income rising in relation to non-pensioner income," he explained, before adding, "Younger people, whose incomes are falling, are paying for these pensions and are suffering from the fact that someone elseTelegraph.co.uk q


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My Nonprofit Reviews
Vivian Altmann
Review for Aim High, San Francisco, CA, USA
The Exploratorium's Educational Outreach Program has partnered with Aim High in San Francisco for over 20 years. Aim High creates an academic summer program for middle school students that manages to be rigorous while still fun, playful, enriching, and socially relevant. Older students are encouraged to come back to the program as volunteers and many do. Each campus has a unique character and enthusiastic, caring staff - many of whom are college-aged young adults honing their teaching skills. Students, families, staff, and community partners all benefit greatly from Aim High. It is one of San Francisco Bay Area's educational treasures.
Review for Aim High, San Francisco, CA, USA
In my capacity as the Educational Outreach Program Director of the Exploratorium (San Francisco's hands-on science museum,) I have been collaborating with Aim High for over 20 years. The relationship has lasted this long because it works. The staff, students, and volunteers at Aim High are always committed, enthusiastic, and easy to work with. There's a true sense of community at each campus and with Aim High as a whole. We're proud to be part of that community.
More Feedback
What I've enjoyed the most about my experience with this nonprofit is...
that Aim High's students are so enthusiastic about being in our science education programs, many of them commit to our programs beyond their time in Aim High, with some eventually coming to work with us at our science museum.
How frequently have you been involved with the organization?
About every month
When was your last experience with this nonprofit?


text: Red Sox Ticket Prices Are 5-Figure Crazy Fans shelling out for chance to see championship clinched By Newser Editors and Wire Services Posted Oct 30, 2013 12:58 PM CDT STORY COMMENTS (7) (Newser) – Boston hasn't clinched a World Series at home in nearly a century, and that's translating into a big payday for those willing to sell tickets to tonight's Game Six. Consider that someone paid $24,000 on StubHub for two front-row tickets near home plate, reports ESPN. But even the cheap seats aren't so cheap, with the average ticket price now north of $2,000 and climbing. One thing that helps is old-fashioned supply and demand, notes the Christian Science Monitor: Fenway holds a relatively small capacity of about 37,000. Grounds crew members dismantle the batting cage after the Boston Red Sox's workout at Fenway Park in Bosto Tuesday. (AP Photo/Elise Amendola) ADVERTISEMENT(Click Prev or Next to continue viewing images.) « Prev« Prev | Next »Next » Slideshow ESPN (Source Grid ») Christian Science Monitor (Source Grid ») Sports • Money St. Louis Cardinals • Boston Red Sox • World Series • StubHub • baseball • ticket prices CLICK BELOW TO VOTE 19% 6% 2% 8% 2% 63% RETURN TO THE STORY To report an error on this story, notify our editors.


text:
|Miriam Lord, The Best of Miriam Lord
|Miriam Lord
|Miriam Lord is a colour writer and columnist with The irish Times.
|Roisin Ingle, Róisín Ingle
|Roisin Ingle
|Roisin Ingle is a journalist for The Irish Times contributing features, news, colour and a weekly column in the Saturday magazine
|Ross, Rock, Ross o carroll kelly, ross o'carroll kelly, ross o carroll, ross o'carroll
|Ross O'Carroll Kelly
|Ross O'Carroll Kelly is a satirical finctional Irish character, a wealthy Dublin 4 rugby union jock created by journalist Paul Howard.
|Conor Pope
|Conor Pope
|Conor Pope is The Irish Times Consumer Affairs Correspondent and edits the Pricewatch Column.
|Fintan O'Toole, fintan otoole, fintan o'toole,25 years of Irish Life through the columns of Fintan O'Toole
|Fintan O'Toole
|Fintan O'Toole is literary editor of The Irish Times and has been an op-ed columnist since 1988.
|Michael Harding
|Michael Harding
|Michael Harding is a playwright and novelist.
|Deaths, death notices, family notices, births deaths & marriages, obituaries
|Family Notices
|Deaths, Weddings, Births and other family notices
|weather forecast
|Irish and International weather forecasts including a five-day forecast, tides and weather warnings
|Letters to the editor
|Readers' Letters to the Editor of The Irish Times
|Pricewatch, Conor Pope
|Consumer advice column written by Conor Pope
|Crossword, crosswords, simplex, crosaire, crossaire, xword
|The Crossword Club
|Play up to 10 years of Irish Times simplex and crosaire crosswords on your computer or iPad
|Featured jobs, jobsearch and career advice
|Property, commercial property
|Commercial Property
|Irish construction and property market news
|Property, Homes, home, new to market
|Homes & Property
|Latest Irish Homes & Property News, Reviews, Tips and Advice
|Property, Homes, home,Myhome,myhome.ie
|Find Thousands of Houses and Apartments for Sales and Rent across Ireland and much more with MyHome.ie, Ireland's Leading Property Portal. .
|Win excellent prizes from The Irish Times and selected partners
|Podcast, Podcasts, Inside Politics, Hugh Linehan
|Inside Politics Podcast
|Weekly politics podcast presented by Hugh Linehan
|Podcast, Podcasts, World View, Denis Staunton
|World View Podcast
|Weekly foreign affairs podcast presented by Denis Staunton
|Podcast, Podcasts, Off Topic Show, Off Topic Podcast
|Off Topic Podcast
|Off Topic is a weekly culture and ideas podcast
|Podcast, Podcasts, Róisín Ingle, Róisín Meets, Roisin Ingle, Roisin Meets
|Róisín Meets Podcast
|Weekly podcast presented by Róisín Ingle
|Podcast, Podcasts, Business Podcast, Ciarán Hancock
|Business Podcast
|Weekly business podcast presented by Ciarán Hancock
|Subscriptions, digital subscriptions, standard digital subscriptions, premium digital subscriptions, premium subscriptions, Gifts
|Gift Subscriptions
|The Irish Times news subscription is available to buy as a gift. Standard and premium digital subscriptions available.
|Podcast, Podcasts, Second Captains
|Second Captains Podacst
|Weekly sports podcast from the Second Captains team
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Leinster and Ulster ring the changes for inter-provincial clash
- Pro12
- November 26, 2015, 12:39
Leo Cullen has radically revamped his team and replacements for tomorrow's Guinness Pro12 derby against Ulster at the RDS with the return of (...)
Leinster ready to come out fighting against Bath
- European Cup
- November 21, 2015, 01:00
This will tell us much about Leinster. They've backed themselves into quite a corner and both the circumstances of a brutally tough pool along with(...)
RWC 2015: Sexton and Earls set to start against Argentina
- International
- October 15, 2015
Irish team manager Mick Kearney has given the broadest hint yet that Johnny Sexton will be fit to start Ireland's World Cup quarter-final against Arge(...)
Royal visit for Irish rugby players at Buckingham Palace
- International
- October 12, 2015, 14:41
A four-strong Irish delegation were today winging their way to Buckingham Palace to meet the Queen. The World Cup reception will be attended by repres(...)
Payne loses out to Earls in Ireland side to face France
- International
- October 9, 2015
The French would have been mid-session this afternoon when word filtered through that Keith Earls will be wearing number 13 for Ireland on Sunday at t(...)
Back three shine bright on satisfactory day for Joe Schmidt
- International
- September 28, 2015, 09:19
Another bonus point victory with the 44-10 over Romania and the only caveat in injury terms, appears to be a glute issue sustained by replacement Rob (...)
Liam Toland: England and Robshaw let down by decisions off pitch
- International
- September 28, 2015, 08:30
Ten days into the tournament and one could do a PhD on decision-making and psychology. Think of Japan beating South Africa or the Welsh medical sta(...)
Dominant Ireland cruise to bonus point win over Romania
- International
- September 27, 2015
Ireland 44 Romania 10 Job done with a bonus point, and Ireland move on to the serious stuff seemingly in better form, with more variety and ass(...)
Conor Murray ready to feature in all of Ireland's games
- International
- September 24, 2015, 13:48
Conor Murray has prepared himself to play a role in all of Ireland's World Cup matches, with just two specialist scrum-halves in Joe Schmidt's squad. (...)
Joe Schmidt gets ready to change tack without disrupting rhythm
- International
- September 21, 2015
The odds on Ireland winning Pool D shortened from 4/6 to 4/7 in the aftermath of beating Canada, and while that may seem a little premature, it tak(...)


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The Bachelor Promo: Mojo Risingby Free Britney at . Comments
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Bars., Hilo
1 Reviews
1 Reviews
Favorite thing:
Check out this bar called Flipside Too. I think it is on Mamo St. But I know for sure it is across from the open market (Saturdays...) The bartender was a hoot in a half. And the patrons look like they've been there forever! VERY nice and made Frank and I feel real welcomed!
Fondest memory: The guy sitting next to me.. his pidgen was so thick I barely understood him. But he was VERY kind. He showed me all his tatoos. MANY on his legs and arms and even his back. The arm and leg tatoos were traditional Hawaiian style tatoos and his family's amakua (the Honu- turtle) was on his arm. I took picture! It came out kinda dark, so this picture here is his back. One Hawaiian woman on Rocks!
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- Filed Under
Come up with a snarky caption for the posted cartoon, post it as a comment on our Facebook post, and we'll sort the best and funniest punchlines from the rest.
Then, on the following Monday, we'll post the winner's name and caption along with two runners-up here at FloridaToday.com as well as in the print edition of FLORIDA TODAY.
Since you'll be writing for a cartoon, we've added the professional feel by setting a deadline for you -- please post your entries on the Facebook post by 4 p.m. Thursday.
In your post, be sure to include your name and where you live.
Challenge your office co-workers, friends and families.
A few guidelines:
-Please keep your captions clean and libelous-free. Remember, we're a family newspaper.
-Keep it brief. I know it's difficult, but bear in mind the funniest cartoons depend on brevity for maximum effect. And since these are editorial cartoons, don't spare the vinegar.
-Be original. Don't go for an obvious gag line that 20 other people will come up with.
Most of all, have fun!


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Melissa Matters is a 19 year old girl from Glendale, Arizona. Melissa used to take photos and some videos for other sites but now has her own site. Melissa has weekly live cam shows and her site is updated three times a week. Melissa is not your ordinary teen girl, she loves to be online, chatting and doing request for her members. Melissa is also a healthy teen and loves to workout. In this video clip, Melissa is on her webcam doing squats totally naked. Melissa shows off her tight round ass, pussy and spreads her cheeks to show off her nice pink sphincter. If you love the real thing, blowing your load to Melissa must be a must in your daily diet of porn.
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In this image taken from leaked video obtained by Ugarit News and posted on Monday, July 15, 2013, which has been authenticated based on its contents and other AP reporting, purports to show forces loyal to President Bashar Assad firing rockets into Homs, Syria. After seizing the momentum in recent months in Syria's civil war, President Bashar Assad's forces are on the offensive against the rebels on several fronts, including in Idlib province along the border with Turkey. Government forces are


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Hi everyone,
I'm officially 35 weeks -- hooray, that makes me feel so safe! I was put on bed rest last week, though, so I'm a little bored. It gives me lots of time to write my thank you cards from my shower, though. My mom said, "thank goodness we had that shower when we did!"
My dr. said that if I go into labor after 35 weeks they won't stop it, I'll just go ahead and deliver the babies. I was having a lot of contractions before the dr. told me to stop working but now they've slowed down a lot. Now I just have a few a day and a few a night (which always seem to wake me up).
I'm hoping for a vaginal delivery. Baby A is head down and Baby B is breach, but dr. said they can still do it. There is a 5 - 10% chance that I'll deliver A vaginally and B via C-section, but it's a risk I'm willing to take.
If I make it to 38 weeks, they will induce me. It's amazing to me how soon that is from now.
How is everyone else?


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|Blurbarian Since
|April 2007
|Jonathan Goldberg
|My Web Site
|London, England
|My Occupation
|My Bio
I'm a press and portrait photographer living in North London.
My first book, entitled "Waiting for the Bus", features photos in an urban environment depicting people at bus stops taken in a quirky and often humorous way.
The second book was shot during the 2010 football world cup. As I didn't get the nod from manager Fabio this year, I stayed in London and watched on different screens in the most ethnic bars, restaurant and hairdressers. Sadly no North Koreans were found, but I met dozens of jubilant Spanish, a tiny pocket of Uruguans and many tearful English. This is the story of London and we watch football collectively. An obligatory purchase for anyone with interested in the beautiful game.


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A member of the Evangel University Chorale performs.
- Filed Under
The Evangel University Chorus and Chorale will perform together in concert at 7:30 p.m. Thursday in the Robert H. Spence Chapel, according to a news release.
Admission is free, and the public is invited to attend.
The University Chorale is a 45-member select choir which performs both on the Evangel campus and in the community. The mission of the chorale is to prepare and present only the best of sacred classical choral literature, according to a news release. The purpose of the ...


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First downs: Cal 3, UCLA 3.
Total yards: Cal 86, UCLA 66.
Rushing: Sofele 6-25, 1; Prince 5-35.
Passing: Maynard 3-4-0 52, Prince 3-5-0 13.
Receiving: Allen 2-35, Rosario 2-9.
Tackles: Holt 2, Campbell 2, Cattouse 2, Anthony 2, Zumwalt 3.
Looks like Coach Tedford has the Bears ready to play on the road again. A bad UCLA team made worse by suspensions, and we can't hold onto the ball. Really nice first half so far Bears.
Tedford has been horrible calling plays yet again, and the turnovers on top of it have dug a hole. They'll have to be disciplined against the pistol's running game in the second half to come back and Maynard needs to be given simpler plays (not a quick timing spin and throw play on a 3rd and 2!).
And JJ Stokes is an imbecile.
Painful to watch. Actually, worse: boring and sloppy. 1st down, Isi up the gut. 3rd down, incomplete.
Tedord didn't call for a fumble and an interception inside the Bears' 30-yard line.
Zach Maynard is just not a very good quarterback. When he's good, he's OK. When he's bad, he's horrendous. It's not that complicated.
And who named Maynard the starter? And who has failed to develop a single serviceable QB over the past SEVEN seasons? The closest you can get is Longshore, and what he had in technical skill he lacked in mental toughness (see, e.g., losing @ Arizona and @ $UC to close the 2006 season).
In my mind, you give Tedford one more season. After that, results (or lack thereof) have to count for something.
Paging Chris Petersen.
My point was that it isn't the playcalling, it's the execution. Of course Tedford is responsible for all of it. Still, I wonder what Maynard has to do to get the hook?
Break a body part.


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Dr. Thomas Hom specializes in general dentistry in New York, New York.
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River Talk
Caution: fawn crossing
A couple of years ago in June, there was a motorcycle ride in New Jersey to benefit a children's foundation, and I was riding with our local chapter of the Red Knights. We were on a rural road in Sussex County, when I spotted a doe and her fawn come out to the shoulder of the road maybe six bikes ahead of me. A split second later, the fawn shot across the road right between two riders. The fawn disappeared in the brush unscathed and the riders likely breathed a sigh of relief. Read more
Country Ark Farm festivities
An interesting collection of exotic and domestic animals were featured at a recent Open Farm Day at Country Ark Farm (CAF) near Milford, PA. Run by the Ciancitto family and a group of volunteers for the past 23 years, the non-profit foundation provides recreational, pet and art therapy experiences for mentally, emotionally and physically challenged children and adults. CAF is housed on a 26-acre property which is home to an assortment of well-socialized animals that have been hand-raised for the various programs offered. Read more
Carpenter bees: Unwanted home improvements
In May, a friend had quite a few bees flying around his barn; they appeared like bumblebees and frequently could be seen chasing each other around, occasionally meeting in a mid-air grapple. I looked around the upper part of the structure and found a few round holes about the size that a .38 caliber bullet would make. These were not bullet holes; the bees chasing each other were male carpenter bees defending their territory. Read more
Another invasive comes to the valley
As if the number of invasive plants and insects becoming established in the Upper Delaware River Valley weren't already ample enough, a new plant is creeping into the local landscape.
The National Park Service (NPS) has announced the discovery of "mile-a-minute vine" (Polygonum perfoliatum), which gets its name from the astonishing growth rate of the annual vine—up to six inches in one day and over 20 feet in one growing season. Read more
Crazy as a loon
When spring arrives, a varied assortment of waterfowl transits the region on the way to summer breeding grounds. Some are local breeders but others are on their way north; the spring period gives an opportunity to sight species that we won't see for the rest of the year.
One of these visitors may not be too noticeable at first. They are usually on larger lakes; from a distance they have the silhouette of a merganser, but they appear larger and darker. If you hear one of these waterfowl call, though, you will probably recognize the unmistakable yodel of a common loon. Read more
Walk the Wallenpaupack Creek
HAWLEY, PA — The Wallenpaupack Creek Trail (WCT) in Hawley highlights the history of the hydroelectric project constructed in the early 1920s and managed by Pennsylvania Power and Light (PPL) today. Interpretive panels along the footpath highlight the history of the lake and dam. Read more
Amphibian drama: prey and predator in a pond
Along the Delaware River, there are many small ponds fed by springs or streams, or left over from floods. Also present are remnants of the D&H Canal, with many sections still holding some water. All these ponds play a role in the diversity of the riparian habitat along the shore of the river. A variety of fauna and flora are present in or near these ponds that would not otherwise be present on the river shore. Read more
Have you seen a fisher?
HONESDALE, PA — The latest taxidermy mount to be added to an ever-expanding display of animals at the Wayne Conservation District (WCD) is the fisher, a mid-size carnivore characterized by a long darkly-furred body, short legs and a full tail.
Also referred to as tree otter, tree fox and fisher weasel, this mammal sports an appealing triangular face topped with wide rounded ears and oval pupils that produce a green eyeshine at night. Adult males weigh seven to 12 pounds; adult females weigh four to seven pounds. Read more
Spring: the start of new life
Spring is the time of year when all aspects of nature seem to come alive; buds and sprouts are appearing on bushes, trees, and out of the ground, and bears make their appearance after wintering in their dens. Birds are heard in the forests and fields chirping and trilling away; many of these calls heard are breeding and territorial defense calls. Read more
Watching a wonder unfold
For the past week, I have fallen under the thrall of a mesmerizing event that is being streamed live via two webcams hosted by the Cornell Lab of Ornithology. A pair of herons are tending five beautiful blue eggs in a nest built in a dead white oak in the middle of Sapsucker Woods pond outside the Cornell Lab's Johnson Center for Birds and Biodiversity in the Ithaca, NY region. Read more


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Rick Santelli joined CNBC as on-air editor in June 1999, reporting live from the floor of the Chicago Mercantile Exchange. His focus is primarily on interest rates, foreign exchange and the Federal Reserve.
Santelli is a regular contributor to CNBC's "Squawk on the Street " (M-F, 9AM-11AM ET).
A veteran trader and financial executive, Santelli has provided live reports on the markets in print and on local and national radio and television. He joined CNBC from the Institutional Financial Futures and Options at Sanwa Futures, L.L.C. There, he was a vice president handling institutional trading and hedge accounts for a variety of futures related products.
Prior to that, Santelli worked as vice president of Institutional Futures and Options at Rand Financial Services Inc., served as managing director at the Derivative Products Group of Geldermann Inc., and was vice president in charge of Interest Rate Futures and Options at the Chicago Board of Trade for Drexel, Burnham, Lambert. Santelli began his career in 1979 as a trader and order-filler at the Chicago Mercantile Exchange in a variety of markets, including gold, lumber, CDs, T-bills, foreign currencies and livestock.
He is a graduate of the University of Illinois Champaign/Urbana with a Bachelor of Science degree. Santelli has been a member of both the Chicago Mercantile Exchange and the Chicago Board of Trade.
Follow Rick Santelli on Twitter @RickSantelli .
CNBC's Rick Santelli discusses the latest action in the bond market, and the U.S. dollar.
CNBC's Rick Santelli discusses bond prices and yields.
CNBC's Rick Santelli speaks to Matt Maley, MillerTabak & Company, about using copper as an indicator to the performance of the global economy and China.
CNBC's Rick Santelli reports the preliminary read on October consumer is 86.4.
CNBC's Rick Santelli discusses the latest action in the bond market, and the U.S. dollar.
CNBC's Rick Santelli breaks down last month's housing data and rants over QE. This isn't help, shouts Santelli.
CNBC's Rick Santelli discusses bond prices and yields.
CNBC's Bob Pisani looks at what factors led to today's market turnaround and more stable trading conditions.
CNBC's Rick Santelli discusses bond prices and yields.
CNBC's Bob Pisani and Sue Herera discuss how the tone of today's trading session feels different from yesterday.
If you're not in one of these categories, you're going to have a really hard time, retail analyst Dana Telsey says.
Analysts say retailers are facing a lack of innovation and challenges from ecommerce and online sales this holiday season.
Better plan for longer lines and increased security, former TSA Chief John Pistole says.
"The turnaround is working in enterprise services," Hewlett Packard Enterprise CEO Meg Whitman says.
Carl Quintanilla is an Emmy-winning reporter and co-anchor of CNBC's "Squawk on the Street," broadcast live from the NYSE.
Simon Hobbs co-anchors the 10 a.m. hour of CNBC's "Squawk on the Street" live from the New York Stock Exchange.
Jim Cramer is host of CNBC's "Mad Money" and co-anchor of the 9 a.m. ET hour of CNBC's "Squawk on the Street."
"Squawk on the Street" Co-Anchor
Rick Santelli joined CNBC Business News as an on-air editor in 1999, reporting live from the floor of the Chicago Board of Trade.


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President Obama's chief counterterrorism adviser, John Brennan, is once again drawing criticism. This time, Brennan's remarks concerning the Pentagon's latest Gitmo recidivism study have come under scrutiny.
The Pentagon's most recent study on Gitmo recidivism concluded that 20 percent of detainees have either been confirmed as, or are suspected of, returning to terrorism. Brennan cited the 20 percent figure in a letter to House Speaker Nancy Pelosi and other congressional leaders earlier this month. Brennan explained that this figure "includes 9.6 percent of detainees who are confirmed recidivists and 10.4 percent of detainees who the Intelligence Community suspects, but is not certain, may have engaged in recidivist activities."
Read more...
In a USA Today op-ed this week, assistant to the president and deputy national security adviser John Brennan wrote that "politically motivated criticism and unfounded fear-mongering only serve the goals of al-Qaeda." He's referring to the bipartisan criticism of the administration's decision to Mirandize the Christmas Day bomber rather than detain Abdulmutallab as an enemy combatant. Accusing your opponents of helping al Qaeda is not the best way to resolve an argument! Yesterday, Alabama senator Jeff Sessions took to the Senate floor to rebut Brennan's arguments. Roll tape:
During an interview on MSNBC Thursday morning, White House Press Secretary Robert Gibbs defended the Obama administration's handling of Christmas Day bomber Umar Farouk Abdulmutallab. Gibbs argued that the administration was right to treat Abdulmutallab as a criminal defendant, instead of as an enemy combatant. "Just because you make somebody an enemy combatant [it] doesn't make them talk," Gibbs argued.
Bill Burck and Dana Perino take apart John Brennan's USA Today op-ed piece by piece:
A memo being passed around by Capitol Hill Republicans:
It was not too long ago that Nancy Pelosi and Steny Hoyer took to the USA Today op-ed page to accuse Obamacare opponents of being "un-American," and today President Obama's top counterterrorism adviser John Brennan lashes out on that same page at critics of the White House: "too many in Washington are now misrepresenting the facts to score political points, instead of coming to
Jake Tapper of ABC News has obtained a copy of a letter John Brennan, the assistant to President Obama for homeland security and counterterrorism, sent to congressional leaders Monday night. Brennan defends the administration's efforts to close Guantanamo in the letter. While conceding that the number of former detainees who are "confirmed" or "suspected" of returning to terrorism has risen to 20 percent, Brennan says that all of the recidivists were released during the Bush years. Brennan goes on to argue that the Obama administration has made "significant improvements to the detainee review process," implying that it is being more careful in determining which detainees can be transferred or released than its predecessor.
Changing the Zip Code of the trial of Khalid Sheik Mohammed and four other terrorists from New York City to Somewhere, U.S.A. does not solve the problems a civilian trial raised in the first place. The decision does provide some justice because hundreds of millions of dollars in security costs will not be borne by the city that was the major victim of this terrorist quintet. But security and other issues do not disappear with new geography; they just move to the next location.
Senate Minority Leader Mitch McConnell is pressing the Obama administration on questions about the handling of Umar Farouk Abdulmutallab, the Christmas Day bomber, and makes some news in the process. McConnell notes that several top national security officials offered disturbing testimony yesterday on Capitol Hill about the decisionmaking process on Abdulmutallab -- or why there wasn't one. This leads McConnell to seek answers to "several troubling questions."
A strong statement from the People's Governor:
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Whatever President Obama may say
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How Walmart's left-wing critics destroy jobs.
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Affordable benefits for your company in minutes.
Funded on May 11 2013
Zenefits connects with your existing payroll and benefits in seconds. Need benefits or payroll? We'll give you quotes and set you up. And we're free. When you purchase or manage insurance through us, we get paid by the insurance company, just like any other licensed broker. We don't take a single penny out of your pocket.
The new round, which includes the initial $372K chunk of capital the startup raised out of Y Combinator from Andreessen Horowitz, Yuri Milner, General Catalyst, Garry Tan, Justin Kan and Alexis Ohanian, was led by Venrock and Maverick Capital. A big reason why Zenefits was keen to bring these two investors on board in particular, Conrad tells us, was that Bob Kocher, who led Venrock's investment, was a key player in helping to write the Affordable Care Act (a.k.a. Obamacare) when he worked at the White House.
It turns out there's a hidden $50 billion-ish market that's ready for a startup to come in and overhaul — the process of hiring and managing employees.
Sometimes the internet just makes life easier -- from food delivery to finding a doctor to ordering a pair of shoes. So, why couldn't something as tedious as corporate benefits be the same way?
Zenefits founder Parker Conrad believes it can, and it should.
Just as upcoming laws stand to shake up the health care industry, Parker's Y-Combinator-backed startup, Zenefits, makes managing corporate benefits easier than ever. Now, buying and managing employee benefits is as easy as setting up a Gmail account.
Corporate benefits is an industry that has been left behind by the internet age. Buying insurance traditionally requires business owners sitting down with an insurance agent who gives them a few plans to select from. Because of the time it takes for brokers to research each plan, business owners often miss out on the highest value plans by seeing only a fraction of the options available to them. Once selected, the deal is completed offline, with a flurry of back-and-forth paperwork.
Parker experienced the nuisance of this transaction first-hand while managing benefits for SigFig, the last company he founded. Prior to founding SigFig, Parker had just recovered from cancer, and he needed to scramble to purchase company insurance before his existing coverage expired. The inefficient purchase process almost caused him to have a lapse in coverage, which would have been a disaster. Through purchasing a plan and then managing it, Parker learned the nitty-gritty details of the process, and then founded Zenefits to prevent others from going through the same hassles he experienced.
The Obamacare legislation created the impulse Parker needed to solve the corporate benefits problem. Changes in the law are causing many insurance agents that served the small business market to look elsewhere for customers, and those are exactly the customers that Zenefits is going after.
According to the The United States Government Accountability Office, "almost all of the insurers we interviewed were reducing brokers' commissions in response to the PPACA." With commissions coming down, brokers may stop selling to small businesses. Zenefits is stepping in to serve the small business owners that won't have access to agents.
"It is going to be this transformative shift [in healthcare], like how the launch of the iPhone changed consumer software," Parker said. "iOS provided a platform that lets users access apps and services on mobile that were previously unavailable. Zenefits is disrupting the industry by making things straight forward, by bringing a process that used to require paperwork completely online."
Prior to Zenefits, Parker was the co-founder and head of product at SigFig, which is the largest online financial tracker with over $40 billion synched to the platform. After leaving SigFig to solve the challenges of managing insurance, he wasted no time getting started. He searched for a technical co-founder, used Code Academy to teach himself how to code, and got the prototype up and running in just 3 months.
Laks Srini joined as a co-founder, bringing his years of experience building out hedge fund trading systems to the team.
"The insurance industry has been wanting to move towards online enrollment for years," Laks said. "We've built the same online enrollment process with a two-person team in the last six weeks."
Zenefits is now able to provide quotes from dozens of insurance plans and delivers instant results via a browser. It displays all available plans and gives a price-quality comparison that is optimized for the employee's individual needs.
Companies with up to 100 employees can use Zenefits in San Francisco, and can choose from hundreds of different plans in California. Zenefits will launch in New York next month.
So, how does it work? A company signs up with login credentials for their payroll system and chooses a plan that's the best fit for them. When a new employee joins, Zenefits sees the new employee show up in the payroll system and emails him to ask him to select a plan.
In addition, if the employee changes their address, has a child, or gets married, Zenefits can quickly update their insurance provider.
It is common for employers to mistakenly continue to pay insurance for employees who leave for a few months, due to their inability to keep track of changes as they occur. Having made these mistakes himself, Parker designed Zenefits to identify when an employee leaves the company. Zenefits automatically removes the employee from the benefits plan as soon as they are off the payroll, saving employers thousands of dollars.
Zenefits already offers health, vision and dental insurance, and plans to provide 401Ks, pre-tax transportation, and childcare in the near future.
I really like the Patient Protection and Affordable Care Act ("PPACA" aka "Obamacare") and want it to work. My idea serves a niche market that will likely grow as the insurance industry adapts to PPACA: many industry experts project that the legislation will (indirectly) drive health insurance brokers to either abandon the small-group market, or begin charging small customers for administrative services. Today, small employers rely on brokers to shoulder much of the administrative hassle of offering basic employee benefits like health insurance.
I also remember the annoyances of setting up employee insurance and benefits for my last company (Wikinvest/SigFig). I've spoken with a lot of insurance brokers and small-company founders. Most say they would use the service.
My last role at Amgen (6 years ago) was focused on payor strategy so I'm familiar with health insurance. I also have California Life, Health, Property & Casualty insurance licenses – necessary to start this company. At SigFig, I led the team that built our sync integrations with around 100 different brokerage firms (we didn't use Yodlee) so I have expertise in building sync technology.
What's new is my integration with payroll systems and the fact that my platform will bring together several distinct tools into one coherent product. Some companies are building good insurance quoting engines. Others are building online enrollment tools. Still others are building marketplaces where you can compare prices across insurance carriers. I'm the only one I know of that aims to knit all three together and connect them to companies' payroll systems to create a coherent benefits service.
Today, small companies buy health insurance from brokers. Brokers are salespeople, and pursue the administrative, after-market service aspect of their jobs with varying levels of enthusiasm. Even the most diligent brokers can't set up payroll deduction changes and so that task is always left to the employer. For non-health benefits, WageWorks (NYSE:WAGE) is an employer service that sets up tax-advantaged accounts employees can use for things like transportation and child-care costs. Employers pay $5 / employee / month for this service (I plan to be free). And because WageWorks doesn't integrate with payroll systems, employers still have to handle changes manually when an employee says he doesn't want to put money towards a MUNI pass this month because he's on vacation.
Brokers own most of the client relationships today. There are thousands of them, ranging from sole-proprietorships to behemoths like Marsh & Mclennon (NYSE:MMC).
HR firms like TriNet take this entire headache off your hands, but they cost about $200 per employee per month, while I am free.
There are some companies like Bloom Health (acquired by WellPoint) with slick UIs that help small businesses put employees on individual insurance plans rather than group insurance. While this offers employees more choices, it unfortunately doesn't have the tax advantages of group plans. This is trendy right now because many people believe small businesses will stop offering group health insurance in 2014 once they can foist employees into the state exchanges. I'm more skeptical of whether this will happen but my platform can be agnostic and offer whatever coverage employers want to offer.
Health insurance companies themselves are going after this space -- creating online tools for small-business enrollment, acquiring companies that do the same, and hiring companies like Empyrean Health to build them their own small-business health benefits exchange. Most of the big insurers think the business model for small-group brokers is going to break in 2014 when they cut commissions, and want to have a system in place to fill the void. These guys scare me the least, because they don't have good technology people and tend to make bad choices on product.
The PPACA-mandated state exchanges will also sell small-group health plans to businesses under 25 employees. But these exchanges will be a marketplace only (no servicing or administrative help), won't sell dental or vision plans, and anyway I don't think the health care equivalent of the DMV has a chance to win in this space.
Good product is hard. Most large, non-tech companies are constitutionally incapable of building great technology, and they tend to make short-sighted choices when it comes to product. This is particularly true in the insurance industry.
Not if you're doing it with technology. Brokers are just as much victims of the poor state of technology in this industry as their clients. Their profitability is challenged only because they do so much work manually & on paper.
That the right product needs to make life easier for a company's CEO or HR person.
Astoundingly, most tools the insurance industry is developing today are designed to make brokers' lives easier, but don't do anything for the employers themselves. Several companies are building software that connects brokers' off-the-shelf agency management systems to carriers so that brokers can enter clients' information just once but get quotes from multiple carriers (today brokers have to do this separately for each carrier they want to quote). These tools don't serve employers.
Other insurance sites are too focused on price-comparison. Cost savings is a powerful message if it's true, but these sites aren't able to deliver on it. And because they don't offer tools to service and administer policies going forward, they make life harder for their client in comparison to working with a broker.
Initially, commissions on health insurance sales. But other products I plan to offer on my platform (dental and vision insurance, 401Ks, pre-tax transportation accounts for employees, pre-tax cafeteria plans for childcare expenses) also generate revenue without requiring me to charge the company or its employees.
In California today, health insurance commissions are 7% of policy premiums, paid in perpetuity. Because they are paid by insurers, not my clients, I can offer my users a free service while making significant revenue per user from day one.
As an aside, the insurance companies are threatening to cut these commissions by 30%-50% in 2014 as a result of the Medical Loss Ratio Minimums stipulated by PPACA. I am hoping they do so, because I think this will squeeze out a lot of traditional brokers that would otherwise compete with me.
As an example of one of the other, future revenue streams: if I offer free 401K plans on my platform under my own brand (most likely outsourcing the back end / execution to State Street bank) asset managers that run mutual funds will pay me ~ 50 bps on any employee assets invested through my platform (Vanguard is the one notable exception). Even if I outsource the 401K portion of my platform to another company like Fidelity, I'm pretty sure I can get them to pay me $300 - $500 per funded 401K account because 401K accounts are a big profit center for most big asset managers.
I have a couple strategies to get clients:
1) Initially, I want to sell to tech companies in the bay area. I have a strong personal network of potential clients here and insurance companies' weak technology is most painful for companies enrolling for the first time (and particularly infuriating to tech companies, which expect better). So, my easiest sell will be to new companies that don't already work with an insurance broker. I'd like to get investment from several of the most active angel investors, and request introductions to their portfolio companies as potential clients as part of the deal. Because commissions are high, I can probably fund a lot of my own growth with revenue from these early clients if necessary.
2) My projected revenues per client company are high enough to support a direct sales force (My client-service costs are much lower because I'm doing it with technology instead of by hand the way traditional brokers do).
I don't really know, and it doesn't matter a great deal for my business. We'll integrate with the exchanges when they come out, and they'll be just another source of plans on my site -- just like United, Blue Cross, Kaiser. We earn commissions for selling plans on the exchange, just like for regular plans.
Companies with less than 100 employees. There are around 2.2 Million businesses in the US with between 5 and 99 employees.
Not being able to reach customers fast enough to be able to grow quickly.
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Colleen Walsh transports her son, Jason, back to his room, inside the JFK Hartwyck at Cedar Brook facility, Wednesday, October 2, 2013, Plainfield, NJ. To the left is a picture of Jason from his high school. Jason suffers from Huntington's Disease, which is fatal. Jason's brother, Myles and father, Ralph, both died from the disease. Colleen is donating Myles' body to the new international research on the disease. Mary Iuvone/For The Courier News
- Filed Under
Huntington's disease waged a cruel and harrowing war on Colleen Walsh-Barnes' husband, Ralph, and sons Myles and Jason, but she is battling back by helping the search for a treatment or cure.
"Huntington's disease is a disease of the entire brain, and all brain function is impacted," said Walsh-Barnes. "As it progresses, brain function diminishes, resulting in an ever increasing loss of control over movement, balance, and there are cognitive impacts such as decision-making and higher thinking levels. The pre-frontal cortex, which manages impulse control, diminishes. At the end ...


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All Comments (22)
i like that ass
where do I get a cock like that in my ass??
is that Charlie Sheen ? lol
That was a great fuck.Where are the other ladies who can take a big black dick in the ass + its cum?
if it were me inside her hot ass, would she let me come inside her?
thats gotta be charlie sheen
The girl is porn star Midori and she is the sister of R&B singer Jody Whatley.I think she is sexier than her sister...
That's how you fuck an ass!
ok! very very good!!!
That is the one and only Mike Stefano but he does look like Charlie Sheen
i also think so :DD
Wining indeed!
that guy looks like charlie sheen, maybe he gave her aids
whats her name
dude looks nothing like sheen.
maybe it is charlie sheen, after all he IS winning :P
Omg! Michael is soooo hot. Love watching him fuck.....I want that hot cock in my tight pussy,it would destroy my ass!!!
Whenever I watch Michael I cum.........fucking him is on my fuckit list! He can make me cream and my dream come true all at the same time. He knows how to fuck an ass for real!
hot ass!
WTF! Dude looks like Charlie Sheen lol


text:
AnaMusic Feb 27, 2014 1:54 PM
Re: Can you give me my restrictions password i forget it in response to Josephda
To remove the Restrictions passcode you will need to either...
1) Restore the Device as New... See Section 6 here...
2) From a Backup created Before the Restrictions Code was set....
Restore from Backup > http://support.apple.com/kb/ht1766
Kappy Feb 27, 2014 1:55 PM
Re: Can you give me my restrictions password i forget it in response to Josephda
Locked Out, Forgot Lock or Restrictions Passcode, or Need to Restore Your Device: Several Alternative Solutions
1. iOS- Forgotten passcode or device disabled after entering wrong passcode
2. iPhone, iPad, iPod touch: Wrong passcode results in red disabled screen
3. Restoring iPod touch after forgotten passcode
4. What to Do If You've Forgotten Your iPhone's Passcode
5. iOS- Understanding passcodes
6. iTunes 10 for Mac- Update and restore software on iPod, iPhone, or iPad
7. iOS - Unable to update or restore
Forgotten Restrictions Passcode Help
iPad,iPod,iPod Touch Recovery Mode
You will need to restore your device as New to remove a Restrictions passcode. Go through the normal process to restore your device, but when you see the options to restore as New or from a backup, be sure to choose New.
You can restore from a backup if you have one from BEFORE you set the restrictions passcode.
Also, see iTunes- Restoring iOS software.


text:
2001 Ford Focus • 135,245 miles
Over heating a/c fans work not the cooling fan replaced both relay 50&30 fuses & a 2 amp fuse also CHT sending unit fan resistor & new pig tail checked both relays jump term 3 to5 both fans came on r15, R16 3 to5 one fan came on new rad cap STILL over heating NO fan
John C Thompson
June 8, 2013.
June 8, 2013.
Check to see if the dual pressure switch is good as well as power hold relay one sends power form cylhead switch to pcm and another sends power to both cooling relays. There is also a diode that may be bad it is in the underhood fuse box that can be not working. Of course this is assuming switches in engine are good, meaning cyl head temp switch or coolant switch
Jun 8, 2013.
Jun 8, 2013.
I drive a mazda soho 121 1998 model and my flickers and fan on the inside does not work, however in the fuse box just below the steering wheel the ports where the fuses plug in are ...
1 answer • 1998 Mazda 121 • 108,000 miles
I have a Saab 9-3 convertible (1998). The Maxi fuse (number 5), has blown. I fitted a new fuse, started the car for a few seconds, and checked the fuse to find it was again blown. I ...
1 answer • 1998 SAAB 9-3 • 112 miles
I have a 1999 Pontiac Montana, and had to replace a blown Maxi fuse for the ignition, it started up after replacing it but upon starting agin it blows the fuse again....why?
8 answers • 1999 Pontiac Montana
My fuse blown on my headlights but i don't know which fuse it is because the fuse cover is missing with the numbers of different parts. i drive a 93' Chrysler New Yorker 3.3 engine
1 answer • 1993 Chrysler New Yorker • 196,500 miles


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WOMEN'S 100M BUTTERFLY: The incredible emergence of Alicia Coutts continued on Thursday night, as Australia's not-so-young yet refreshingly new swimming sensation became the seventh Australian woman to win three individual gold medals at a Commonwealth Games. Not bad for someone who came to Delhi hoping only to lower a personal best or two.
The 23-year-old added the 100 metres butterfly to her 200m individual medley and 100m freestyle golds, storming away from British rivals Ellen Gandy and Jemma Lowe to win by three-quarters of a body length in 57.53 seconds.
While others here complain of sore stomachs, the only ache Coutts feels is from so much smiling.
''Deja-vu, hey?'' she said beaming, while considering the prospect of claiming another two golds in the relays and flying home as Australia's most successful athlete of these Games.
Delhi might not have been every athlete's cup of chai, but you'll hear no complaints from Coutts.
''I definitely didn't think I'd be getting even one gold medal, let alone three,'' she said, putting her performance down to ''a new-found confidence''.
Lest coach John Fowlie thought it was all in the head, she quickly added: ''And hard training and dedication!''
She feels no different to the girl who was happily anonymous on Monday but knows she is entering a whole new world.
''People ask me who I am, and when I tell them they have no idea. People might actually recognise my name now.''
Coutts's local newspaper has dubbed her ''Birkdale's own Madam Butterfly'', yet such was her relative anonymity that Australia's most famous wearer of that operatic moniker, Susie O'Neill, had barely heard of her a week ago.
Delhi belly continues to brings swimmers undone this week, yet Coutts has had to overcome more persistent stomach ailments. Abdominal surgery in 2007 and again last year meant the water was often a place for healing rather than business through the years when a swimmer generally blooms, and her emergence in Delhi has surprised all, not least herself.
''She seems almost old, doesn't she?'' former champion O'Neill said on Thursday of the 23-year-old.
''I really like her demeanour around the pool. Before the race she seems very focused. She's not really in your face too much.''
On Thursday night, Coutts was the image of intent, staring down lane three and offering only the most cursory of smiles and waves at the introduction. An Australian trifecta was on the cards as she reached halfway with Yolane Kukla and Felicity Galvez not far behind, but her turn guaranteed her victory.
O'Neill has been taken by Coutts's skill execution, noting the benefit of the power of work she has done on her starts and turns with Fowlie at the Australian Institute of Sport, where she moved aged 19. ''She gets such an advantage without having to be any fitter because she's worked so hard on those skills.''
A star now, she must meet the unexpected challenge of handling the spotlight as London looms. ''To go into a meet under the radar, where no one's really expecting anything is a really good position,'' O'Neill said. ''Everyone was talking [Emily] Seebohm, [Liesel] Jones; she was able to just sneak in. In London there will be a lot more eyes on her.''
As tends to happen when you're the latest name on a list that amounts to a who's who of contemporary Australian swimming greats; Karen Moras in 1970 was the first Aussie to win three golds at the same Games, with Lisa Curry, Hayley Lewis, O'Neill, Petria Thomas and Liesel Jones rounding out the list.


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Smart assed dude who loves sports, movies, and who loves to laugh and have a good time. I like to mess with people (not in a mean spirited way though). I consider myself a gentleman who knows how to care and how to treat a woman.
Join OkCupid
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—% Match
—% Enemy
41 • Southgate, MI • Man
I'm looking for
- Women
- Ages 25-43
- Near me
- Who are single
- For new friends, long-term dating, short-term dating
My details
- Last online
- Jun 30, 2014
- Orientation
- Straight
- Ethnicity
- White
- Status
- Single
- Height
- 6' 1" (1.85m)
- Body Type
- Athletic
- Smoking
- No
- Drinking
- Socially
- Drugs
- Sometimes
- Religion
- Christianity but it's not important
- Sign
- Gemini
- Education
- University
- Offspring
- Doesn't have kids but might want them
- Pets
- Has cats
- Speaks
- English (Fluently)
My self-summary
Write a little about yourself. Just a paragraph will do.
What I'm doing with my life
Don't overthink this one; tell us what you're doing day-to-day.
I'm delivering dreams to the fine residents of Grosse Ile, Michigan. I'm in information distribution (mailman). I'm also a professional triangle player in a orchestra. So if your looking for a trianle player to add to your vocals, hit me up!
I'm really good at
Go on, brag a little (or a lot). We won't judge.
Splitting atoms. Gangbanging. Karate. Triangle playing.
I'm kind of bullshitting you there. I am a good writer. I like to think that I'm good at gambling on football too.
Other than that I'm really good at pretty much everything....
I'm kind of bullshitting you there. I am a good writer. I like to think that I'm good at gambling on football too.
Other than that I'm really good at pretty much everything....
The first things people usually notice about me
I'm an empty essay… fill me out!
My smile. I like to smile and I enjoy to laugh, so when I'm enjoying myself I tend to smile and laugh quite a bit.
Favorite books, movies, shows, music, and food
Help your potential matches find common interests.
I actually do read frequently while at my job (job must be tough huh?). I love reading books about atomic engineering and breaking down atoms (just playing- I read sci-fi and sports books.) I like indy rock and some techno.
The six things I could never do without
Think outside the box. Sometimes the little things can say a lot.
One of my several Picasson paintings, my millions of dollars of "ice", my Porsche, my 50 ft. yacht, my trillion dollar condo in downtown Southgate, and my cat Suyaki.
I spend a lot of time thinking about
Global warming, lunch, or your next vacation… it's all fair game.
I spend a lot of the time thinking about why exactly is the sky blue? I wonder if there are really any aliens out there. I ponder why everyone loves Tim Tebow so much, because he can't throw a football.
On a typical Friday night I am
Netflix and takeout, or getting your party on — how do you let loose?
After I get down working and then hitting the gym I usually go to homeless shelter to see if I can do anything to help. I usually pass out food and whatnot. After that I hit the senior center and help the old codgers across the street and carry their groceries.
The most private thing I'm willing to admit
I'm an empty essay… fill me out!
That I was a special agent who worked for the CIA.
You should message me if
Offer a few tips to help matches win you over.
You want to meet a nice dude who likes to laugh and have fun.
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text:
McGills: Decent pub
Still going strong since my last visit ten years ago, this pub now had our local Yorkshire bitter too! Apart from that and typical Swedish and other British brews you get Czech and Irish on tap and there are also several good whiskies. Great mix of friendly people of all ages and a selection of international pub grub.
Favorite Dish: John Smiths :-)
- Beer Tasting
- Singles
Royal India: Best Indian in Sweden???
Amazing...After an evening at the pub, me and my husband decided to round the evening off with a curry as we knew there was an Indian somewhere in town. We found it thanks to friendly locals and had the restaurant almost to ourselves. The chef turned out to have had a curry house in England before (now there's a surprise...) and heaven knows what he was doing in Gävle but we are happy that he is there as it was the best curry we have ever had in Sweden!
Favorite Dish: Vegetarian tali - a mix of four dishes which saw the korma come with properly roasted almond chunks and the spinach paneer was to die for!
- Food and Dining
Konditori Lido: 60s Cafe
A Swedish bakery and cafe at its best. Relaxed atmosphere and a good selection of cakes and drinks. This one has half a boat added to its interior which is otherwise with its 50s-60s style decorations left.
Favorite Dish: Hot chocolate with whipped cream. Nothing like it after an encounter with the Christmas ram.
- Food and Dining
Church Street Saloon: Church Street Saloon
Inspired from the western this restaurant doesn't just give you excellent food - the atmosphere really take you back to the 'good old western'
Favorite Dish: Shrimps served in a fry-pan with tortilla.
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Cupid in Lilac Background Wall of Hearts
Let the kids give a special Valentine's Day gift to their friends. Check out our printable bookmarks for Valentine's. This set features a cute cupid with a lilac colored wall background with hearts.
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#Views: 1115 | #Prints: 0 | #Downloads: 1
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November 25, 2015
Former Wildcat Daniel Orton, a first round draft pick of the Orlando Magic was ejected in the third quarter of his first summer league game Monday.
Orton and Indiana's Josh McRoberts began shoving each other under the basket and both players were thrown out.
It was a difficult day for Orton, the 29th pick in the draft as he struggled from the start. He picked up three fouls in the first three and a half minutes, and fnished the first half with just one field goal on 1 for 6 shooting.
In the second half, Orton appeared frustrated before being ejected from the game. He finished with 3 points on 1 for 8 shooting, 3 rebounds, 4 turnovers and 5 fouls.
Former Wildcat Joe Crawford also played for Orlando and scored 10 points in a little more than 18 minutes.
Click Here to access the online Public Inspection File
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The music video "Only The Heart Knows" goes viral on Youtube with over 403,000 views!
Over 38,000 "likes" on Facebook! Join the fan club, click the "like" button!
In action with Peter White at the "Madison Theatre" in NY!
The latest album "Chasing Rainbows" is available on CDBaby and iTunes!