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Raas is the All New Indian and Pakistani restaurant in Hauz Khas Village,is a Deja View of Out of the Box, with huge windows, Gravel Topped tables and a wide stairwell, spread in two floors the venue is divided into lounge and fine dining with both the spaces treated in a very artistic fashion. Both floors have independent bars, serving some great authentic cuisines; this place is definitely worth the visit for an absolute new OTB feel.
Billed as an Indo Pak restaurant, don't miss the brilliant nouvelle kebabs.nnIntronThe fun of going to Hauz Khas Village is discovering all levels of restaurants and bars, from the professionally run Show Full Review
Food was average. Good ambience..
My dining experience can be called fun only when the restaurant Im at delivers exactly what I am looking for and that includes:Great Tasting FoodRaas surely has really great food but eating here just made me miss Punjab Grill a lot because the number of spices Jiggs Karlas restaurant uses cannot be replicated by any other restaurant in Delhi, nonetheless I still had a great time here because its food was quite flavoursome and great tasting. We started with the Peshawari Burrah Kebab and the Galouti Kebab. I would have expected the Galouti Kebab to melt in my mouth but then the Peshawari Burrah Kebab melted in my mouth too I was very pleasantly surprised. I really loved how tender the mutton was. The Hydrabadi Biryani was one great smelling biryani but I really did not enjoy the taste much as I think it is hard for a person who loves Basmati rice to like a different variety of rice and the rice that was used for the Hydrabadi Biryani was quite thick. We also tried the Pakistani Chicken Korma and I liked how moderately spiced it was. However, I would say I have definitely tasted better gravy.If you read my reviews you will know how much I love cheesecakes and I was really looking forward to ordering the Strawberry Cheesecake from the dessert menu but they were out of cheesecake which was disappointing on so many levels, I was literally shattered... sounds like an exaggeration? Well, you only think that because you dont know me. I eat main course only because I know it will lead to the dessert! Anyway, I had to leave for Whipped from Raas which has the best NY Cheesecake in the world btw!Sufficient Quantity The food might be absolutely delectable but if the portions are pretentiously tiny then I can never feel satisfied and Raass passed the quantity test 100% as the portions were quite big and we had to get most of it wrapped to take home! Courteous StaffI can never stand grumpy people around me and if you are eating at a restaurant you surely do not want to be served by someone with an attitude like most restaurants, Dimsum Bros, for example. The staff at Raas was great, especially the matre d who came up to us after our meal to check if we liked our dinner. Raas and Out of the Box belong to the same chain and we were having a tough time which one to go to and the staff was very helpful in getting us to make up our minds about where to eat. Comfortable Seating and an Intriguing Ambience Quite comfortable and where we sat there was a great view of some ancient fort relics, the garden was quite dry and patchy which was a mood kill. Anyway, the table we were sitting at was made of marble and had a crack and could do with some fixing. EntertainmentThe restaurant had live music that night. A singer was supposed to be singing Sufi songs. My partner wanted to move to the other level because he is very passionate about Sufi music and what Raas was playing was not really Sufi music. The singer surely could sing but most of the songs he sang were popular hindi film songs as opposed to Sufi songs. FINAL RATINGThe staff helped my partner with a print out we needed urgently and they also asked us if we would like to dance to the music. I loved their involvement and help and I think based on my experience I would like to rate Raas 3.5/5..
Live music, dim lighting and good food... thats what one can expect from Raas. Though the food took a long-ish time to get to our table, it was well worth the wait. The roomali roti was soft, and the chicken nice and juicy, couple that with old hindi songs being sung... pretty neat for a dinner option!.
Raas Menu, Raas Location Map, Raas in Hauz Khas Village, Raas Deals and Discounts, Raas Reviews
Smoking Area, Air Conditioned, Wifi, Live Music, Outdoor Seating, Amex Offer, Screening


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Reply To: 24 x 36 Build RAGII
Home / Forum / Builds and Things Built / 24 x 36 Build / Reply To: 24 x 36 Build
May 8, 2016 at 5:24 pm
Post count: 39
#11918 |
I am having a lot of fun putting this together.
Everything was in the box. Your excellent job of packing it basically ensures that even a whole that big will not allow anything to fall out. Wasn't able to work on it today, but I am hoping to get to it after work this week. My goal is to get it moving by the end of the week.

subset: commoncrawl


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You won't care about her dark side as long as it's sitting on your face. Check out dark;ady's profile for more hotness ...
Keep all the great comments coming; I can't wait to hear from more of you hehe ;)
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Pop diva Christina Aguilera will be on "The Ellen DeGeneres Show" Friday, Nov. 19, where she'll open up about her divorce, turning 30 (Ellen surprises her with an early birthday cake) and making of "Burlesque," which we're really hoping is the love-child of "Showgirls" and "Glitter."
]]><![CDATA[When asked how she is handling her divorce, Aguilera says, "My focus first and foremost is my son Max. More power to single moms and those out there doing it. He's the love of my life. I adore him and he's such a character and he's so happy and at the end of the day, that's what's most important." All together now: Aww. Aguilera, who turns 30 on Dec. 18, says she's excited to reach the milestone birthday. "You're more comfortable in your own skin as a woman. You have a better idea of what you want and how to get it," she says. "At this time in my life, it's a huge turning point, it's a transitional stage and I'm ready. I'm ready." To help celebrate her birthday early, Ellen has a shirtless guy pop out of cake with a rose for the star. Happy birthday, indeed. She also opens up about choosing "Burlesque" as her first foray into film. Orginally, Aguilera intended to start off with a small role in an independent film and stay away from musicals. "Didn't quite turn out that way starring in a movie with Cher and taking on such an ordeal as a musical," she tells Ellen. "Wearing so many different hats. It was a lot of work. Probably the hardest I've worked my whole life."


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Top 10 Alimos Hotel Deals
Tropical Hotel
74 Possidonos Avenue, Alimos 174554.0 out of 5.0
Situated by the sea, this hotel is 1.1 mi (1.7 km) from Alimos Marina and within 3 mi (5 km) of Glyfada Marina and Flisvos …
Galaxy Hotel
39 Posidonos Avenue & Kalamakiou Street, Alimos 174553.0 out of 5.0
Situated in Alimos, this hotel is 0.5 mi (0.7 km) from Alimos Marina and within 3 mi (5 km) of Flisvos Marina and Athens …
Athens Avenue Hotel
Located in Syggrou, this hotel is within 2 mi (3 km) of Tactual Museum, Filopappos Hill, and Acropolis Museum. Acropolis an …
Hera Hotel
Located in the heart of Athens, this hotel is within a 10-minute walk of Acropolis, Acropolis Museum, and Parthenon. …
Divani Palace Acropolis
Located in the heart of Athens, this luxury hotel is within a 10-minute walk of Ilias Lalaounis Jewelry Museum, Acropolis …
Herodion Athens
This hotel overlooks the ancient Acropolis, and just steps to Acropolis Museum. Located near many of Athens' ancient sites, …
AVA Hotel & Suites
Located in Athens City Centre, this romantic aparthotel is steps from Greek Evangelical Church, Acropolis, and Temple of …
King George, a Luxury Collection Hotel, Athens
This family-friendly Athens hotel is located in the historical district, steps from Tomb of the Unknown Soldier, Hellenic …
O&B Athens Boutique Hotel
Located in the historic heart of Athens, this boutique hotel is a 3-minute walk from Ancient Agora and a 10-minute walk fro …
Athens Center Square Hotel
This family-friendly Athens hotel is located in the historical district, within 1 mi (2 km) of Ancient Agora, Parthenon, an …
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also, made friends with this 75 year old millionaire Tony who likes to mosh. Don't ask.
question: masturbation: how much is too much? I think i'm about to tip toe a fine line
Okay, guy from work I want to fuck just told me he liked the font on my PowerPoint presentation. It is so on.
Make me proud, climb that corporate ladder.
Admitting I go to nursing school is my subtle way of saying, yes, I know every muscle in your penis and how to effectively use them.
How do you respond to a booty call from yesterday?
Dude. I tried to hide my drunk wounds from my parents. Response: "we were young once" and "oh god, did I raise a drunk?"
You are beyond drunk wounds. You have drunk battle scars. A true veteran of the sidewalk
My house smells like bleach. Also, I do not feel bad about all the stuff I stole from the hospital while I was there.
I think the exact words were 'I'd lett him to the weirdest shit to me'
Growing a beard is gonna make smoking a pipe look so much more majestic
God it's like my stomach is full of drunk bees
the amount I squirted last night was insane. Im glad i ignored tlc's advice, i went chasing waterfalls and loved every god damn minute of it.
Last night I went outside to our neighbors and asked them to put in money with me to get a hot tub for our patio. Niceeeee
I woke up naked in this guys bed and the first thing I start saying is it's super bowl Sunday like I was yelling
Rome wasn't built in a day - my bedroom skills weren't obtained in some boring monogamous relationship. Same thing. Right?
They're letting me in by good graces, I can't show up with a fist full of dildos


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Government Agrees to Destroy Data Seized at Border
Human rights activist and Bradley Manning Support Network founding member David House has settled his federal lawsuit against the government after it agreed to destroy all of the data it obtained from his laptop during a border search.
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Home ›
Hirosaki Housewarming Gift Baskets
44 items found
You can send Housewarming Gift Baskets to Japan in the following cities.
What our Customers Say about our Service
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Read more testimonials or leave your feedback here.


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A simple blood test can identify people who are at risk for a heart attack, including thousands who don't have high cholesterol, according to researchers at Oregon Health & Science University.
The new test measures gamma-prime fibrinogen, a component of the blood's clotting mechanism. Elevated levels indicate greater likelihood of a heart attack, even when other signs don't point to cardiovascular trouble, says David H. Farrell, Ph.D., professor of pathology in the OHSU School of Medicine and a member of OHSU's Heart Research Center. The results were recently published in Clinical Chemistry.
"Half a million people suffer fatal heart attacks each year," Farrell says. "About 250,000 of the patients who die have normal cholesterol and some of the patients with normal cholesterol also have elevated levels of gamma-prime fibrinogen. We think this is another risk factor that we should test for."
Farrell and his team confirmed the effectiveness of the gamma-prime fibrinogen test by analyzing 3,400 blood samples from the landmark Framingham Heart Study, the oldest and most prestigious cardiovascular disease study in the world. In addition, OHSU's analysis of the Framingham samples found that patients with well-established heart attack risk factors, including cholesterol, high body mass index, smoking and diabetes also have elevated gamma-prime fibrinogen levels.
"We found that if your gamma-prime fibrinogen levels were in the top 25 percent, you had seven times greater odds of having coronary artery disease," Farrell says.
A small pilot study in 2002 gave OHSU researchers their first inkling that gamma-prime fibrinogen might be linked to heart disease. They obtained the Framingham samples – which are rarely shared – and proved the link. The next step is using the test at several hospitals and medical centers to demonstrate it works on a large scale.
"It will take some time to build consensus within the field of cardiology for this test," Farrell says. "The gamma-prime fibrinogen test would be used in conjunction with a cholesterol test to better predict who is likely to suffer a heart attack. Ultimately we are optimistic we can identify people who are at risk who didn't know they are at risk."
OHSU has filed a provisional patent application for a gamma-prime fibrinogen test. Farrell and his colleagues also have formed a company called Gamma Therapeutics, Inc. to mass-produce the assay. OHSU has a process in place to review and manage the individual and institutional conflicts of interest that may arise through its start-up companies.
The gamma-prime fibrinogen research was sponsored by the National Heart, Lung and Blood Institute of the National Institutes of Health.
About OHSU
Oregon Health & Science University is the state's only health and research university, and Oregon's only academic health center. OHSU is Portland's largest employer and the fourth largest in Oregon (excluding government). OHSU's size contributes to its ability to provide many services and community support activities not found anywhere else in the state. It serves patients from every corner of the state, and is a conduit for learning for more than 3,400 students and trainees. OHSU is the source of more than 200 community outreach programs that bring health and education services to every county in the state.
Ken Olsen | EurekAlert!
Further information:
Further reports about: > Heart Attack > Science TV > blood flow > blood sample > cardiovascular disease > cholesterol test > gamma-prime fibrinogen > health services > risk factor
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Overview of Fuel Cell Programs in IPHE Countries. Dr. Stian Nygaard
- Lucy Chase
- 1 years ago
- Views:
1 Overview of Fuel Cell Programs in IPHE Countries Dr. Stian Nygaard 1
2 IPHE Overview Partnership of 17 countries plus the EC Forum for international collaboration on RD&D, policy, and education IPHE members share a long-term commitment to hydrogen and fuel cell research, development and deployment. The countries differ in their approaches, their drivers, and the structures of their programs. IPHE Priorities Accelerating market penetration and early adoption of hydrogen and fuel cell technologies and their supporting infrastructure Policy and regulatory actions to support widespread deployment Raising the profile with policymakers and public Monitoring technology developments 2
3 IPHE Countries European Commission China United States Japan o Germany o Korea o Canada o New Zealand o Australia o Brazil o France o Iceland o India o Italy o Norway o Russia o South Africa o United Kingdom 3
4 Germany National Innovation Program (NIP) Politics BMVBS / BMWi / BMBF / BMU 500 M for demonstration M for R&D Industry M Industry co payment Transport: 54% of the NIP Includes H 2 -production and H 2 - infrastructure Extension of vehicle fleet (passenger cars and buses) and H 2 -infrastructure, starting from key regions (Berlin, Hamburg) 1,4 billion Preparing hydrogen & fuel cell markets Focus on R&D combined with everyday demonstration hydrogen & fuel cells driven by applications and markets: transport, stationary energy supply, special markets Stationary applications: 36% of the NIP FC-heating-applications in privately owned homes FC in industrial CHP Special markets: 10% of the NIP Critical energy supply, IT, telecommunication Logistics, leisure and tourism markets 4
5 Korea Several ministries are involved in hydrogen and fuel cell work: Ministry Focus H2/FC Budget Ministry of Knowledge Economy Ministry of Land, Transport and Maritime Affairs Ministry of Education, Science and Technology Ministry of Environment R&D of Fuel Cells and Fuel Cell Vehicles R&D of Safety and Regulations of Fuel Cell Vehicles R&D of H2 Production, Storage, Delivery and Utilization Deployment of Eco- Friendly Vehicles (Green Cars) $7 M/year $32 M over , including 50/50 cost share $100 M over ($86 M government and $14 M industry) $46.6 M for domestic fleet program (50% government), $17.6 M for validation program (30% government) Vehicle demonstration and residential demonstrations are now entering Phase II 5
6 Canada Activities in BC include: 7 hydrogen fueling stations Integrated waste hydrogen utilization project H2/CNG buses, H2 ICE pick-up trucks, and utility vehicles World s largest fleet of fuel cell buses (20) Largest hydrogen fueling station in the world (1000 kg/day) Hydrogen used as energy storage from PV 6
7 Australia Hydrogen activities fall under the Department of Resources, Energy, and Tourism Hydrogen as a fuel in the transport sector Coal gasification with CCS New Zealand Hydrogen activities fall under the Ministry of Economic Development Research interests include Production from coal and renewables Hydrogen storage Fuel cell demonstrations 7
8 Brazil Budget Program for hydrogen and fuel cells includes projects in five areas: Hydrogen production (focused on biofuels reforming) PEM fuel cells SOFC fuel cells Systems, integration and engineering Utilization, applications and use Fuel cell buses will be deployed in Sao Paulo and Rio de Janeiro starting in
9 France Drivers include jobs and economic growth, as well as energy efficiency, clean technologies, and sustainable transport. The government is currently developing a long-term action plan which will drive funding for future demonstration projects. French National Research Academy (ANR) and the French Environment and Energy Management Agency (ADEME) are performing analysis to guide strategy. Five important hydrogen/fuel cell markets for France: Clean hydrogen production for industry (chemistry, synfuel, biofuels, oil refineries, cement, steel, ) Hydrogen as a temporary storage for increasing the share of renewable energies or direct use (Mix with natural gas, biogas, ) Stationary Transportation and niche markets Automobile 9
10 Iceland Icelandic New Energy (INE), a private company, is focused on demonstrations and public awareness Smart-H2 project conducted from hydrogen cars have been demonstrated, with 22 still in service Demonstration of marine operation (whale watching boat APU) began in 2008 Focus on education: Master s degree in fuel cell systems and hydrogen available 10
11 India Need for remote power Several telecom companies have entered into large deals for small stationary. Development and demonstration of H2 three-wheelers Opportunity to take advantage of existing CNG infrastructure Hundreds of CNG stations; 350,000 CNG vehicles Delhi: fueling station blending h2 and CNG Roadmap focuses on utilizing waste hydrogen from industry Tata Motors developing fuel cell buses and vehicles 11
12 Italy 12
13 Norway Lillestrøm Stavanger II Activities in Norway includes: 4 hydrogen stations in operation 4 additional stations to be opened in 2010/11 Strong capabilities in hydrogen production from electrolysis Abundant resources of natural gas and hydropower, active in CCS 13
14 Russia Areas of focus Government Funding: 1 billion rubles Hydrogen production Electrolyzers Fuel processors and microprocessors Advanced liquefaction Hydrogen storage On-board, hybrid vehicles On-board, FC vehicles Reversible for stationary applications Irreversible for stationary and portable Fuel Cells Alkaline FC and co-generation units PEM FC and co-generation units High temperature FC Hydrogen combustion technologies H2/O2 steam generators High temp steam turbines and power units Hybrid high temp power units Safety, codes and standards 14
15 South Africa Newest IPHE member Unique drivers: Over 75% of platinum group metal reserves Socio-economic benefits from valueaddition of minerals Vision To create knowledge and human resource capacity that will develop high value commercial activities in hydrogen and fuel cell technologies utilising local resources and existing knowhow. The program consists of three centres of competence and a fuel cell education and training center. 15
16 United Kingdom Hydrogen is seen as an important long-term energy option for the UK, particularly in transport. Hydrogen policy was set out in the UK Strategic Framework Report (2005) Currently developing H2 Action Plan for the next 5 years Demonstration projects include: 3 fuel cell buses in London Stationary units in Birmingham 6 fueling stations to be established in London by 2012 Fleet of hydrogen taxis planned for
17 Conclusion: Hydrogen and fuel cell technologies play an important role in the future energy and transportation system (IEAs Blue Map Scenario) Success in deploying H2&FC technologies into global markets requires that countries exploit their national advantages, it requires international cooperation and sharing of best practice experiences The IPHE constitutes such an arena for exchange of practices and priorities, and thus helps accelerate market penetration and early adoption 17
18 THANK YOU! More information is available on the IPHE website at: 18
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Who is Who. Hydrogen and Fuel Cells in the Netherlands
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Boosting energy efficiency through Smart Grids
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Brevard Clean Energy Strategy for Economic Development
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Genetic structure of a morphological species within the amoeba genus Korotnevella (Amoebozoa: Discosea), revealed by the analysis of two genes.
Amoebae of the genus Korotnevella are covered with scales, the structure of which is believed to be species-specific and allows distinguishing species reliably at the morphological level. We studied members of this genus in order to assess the genetic structure of the local populations of amoebae. For the present study we isolated nine freshwater strains of Korotnevella, belonging to three species, from two locations in North-Western Russia. In order to obtain data on the population structure of these amoebae, we identified all isolates based on the light-microscopic morphology and scale structure and investigated both inter-strain and intra-strain polymorphism of Cox I and 18S rRNA genes. Results show that both genes provide congruent patterns of population structure. The Cox I gene appears to be more reliable DNA barcode while the 18S rRNA gene shows an interesting pattern of polymorphism, which may represent phylotypes of amoebae. Local population of amoebae in every studied species consists of a number of genetic lineages (phylotypes), some shared between the populations while others are unique to a local habitat.
Prof. Eric Huysecom was elected President of the Society of Africanist Archaeologists
Prof. Eric Huysecom was elected President of the Society of Africanist Archaeologists (SAFA) during the 23rd Business meeting which is kept at The University of Toulouse on the 1st of July 2016.
ROS Signaling during Cytotoxic Lymphocyte-mediated Apoptosis: From target cell engagement to the termination of the kill event
28.10.2016 12:15, 1S059 (Sciences III)
Denis Martinvalet (CMU, Department of Cell Physiology and Metabolism).
hosted by: Emi Nagoshi.
Our department hosts 12 research laboratories gathering close to 200 scientists, engineers and technical staff. Research topics cover a large variety of topics, such as developmental genetics and neurogenetics, regeneration, evo-devo, physics of biology, phylogenetics or anthropology.more
Teaching life sciences at the University of Geneva is an important duty for all staff scientists. In addition to the bachelor programme, we also propose specific masters and PhD specialisations through various programmes.more
28 Oct
ROS Signaling during Cytotoxic Lymphocyte-mediated Apoptosis: From target cell engagement to the termination of the kill event
31 Oct
The RNA exosome - ribosome connection: coupling RNA synthesis and degradation
02 Nov
Design Principles and Self-Assembling Properties of a Plant Extracellular Interactome
Department of Genetics and Evolution
4, Boulevard d'Yvoy
1205 Geneva
office: 4002A


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So here's number two on this fall's guitar hit parade. Even thought my niece hit her tuition goal I was selling guitars to help her out with, I had a few guitars left that didn't need to be sold but it turned into I wanted them sold. One was my Caparison Horus Snow Cloud which someone bought on the 'bay. I went to sleep saying "Watch...there'll be something nice for the price".
Carvin CT624 with koa top for $1000. These CT624's start off at $1500 before options and koa tops are another $400 so there's a $900 savings right there. Seller said he put maybe 10 hours on it (from the looks, probably true) so hell of a deal. Plus, Floyd and no inlays ebony board and mahogany neck w/ maple stripes? May as well have ordered it myself.
Specs n' pics
CT624 w/ mahogany body & koa top w/ sunset burst
mahogany neck w/ 2 maple stripes
ebony board w/ no inlays
Floyd w/ locking nut
Seymour Duncan Alnico II in the neck
Seymour Duncan JB in the bridge
coil tap on the tone knob
I suspect the pictures (and especially the flash) do this one no justice. I'm not blown away, but something tells me I'd LOVE this one in person.


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Ahmeds Masala Cafe
Indian, Bangladeshi
2 Jacobs Wells Road Hotwells, Clifton, BS8 1EA
Delivery charge £2 over £15, not available below £15
Where to find us
260 reviews of Ahmeds Masala Cafe
23/10/2016EvaIt's was absolutely delicious!!
15/10/2016KlerwiFood was really good but delivery was nearly 30mins late.
Ahmeds Masala Cafe is located on Jacobs Wells Road in Clifton Bristol. Superb food is delivered straight to your door when you order online with Just-Eat.co.uk. Try one of the House Specials like Tamarind Chicken. Chicken is cooked in a delicate combination of onions, peppers, their very own sweet tamarind sauce, fresh coriander and green chillies; can be served hot or medium. Lots of original and tasty curries available; Korma, Bhuna, Dansak, Rogan Josh and Madras to name just a few. Take a look you will not be disappointed. Ahmeds Masala Cafe is open Sunday to Thursday from 17:30 to 23:00, Friday and Saturday 17:30 – 23:59. Delivery is FREE with a minimum order of £15.00 below delivery is not available
See this restaurant's food hygiene rating at http://ratings.food.gov.uk/
Please note some dishes may contain nuts or traces of nuts
Opening hours
|17:30 - 23:00
|17:30 - 23:00
|17:30 - 23:00
|17:30 - 23:59
|17:30 - 23:59
|17:30 - 23:00
Delivery areas
- BS1 bristol
- BS11 Bristol
- BS2 Bristol
- BS3 Bristol
- BS4 Bristol
- BS41 area
- BS5 Bristol
- BS6 Bristol
- BS7 Bristol
- BS8 Leigh woods
- BS9 Bristol
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Delivery charge £2 over £15, not available below £15View basket


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Disk Order For Mac Publisher's description
from Kiwi Fruitware
Disk Order makes file management easy, fast and fun on your Mac .
Disk Order makes file management easy, fast and fun on your Mac . It allows to save time on every step and gives you a great file-management power.
Disk Order is an advanced Finder replacement with built-in FTP client and ability to handle archives like plain folders. This makes file management much faster then it has been before, because now you don't have to launch separate applications to connect to FTP server, batch rename files, or extract some data out of .zip, .gz, .tgz archive. All these tasks may be performed within Disk Order with just few mouse clicks. Also, Disk Order offers all usual features, such as Get Info, Copy/Move/Delete, View, Edit and so on. Disk Order is fast and stable, works great on both Intel-based and PowerPC Macs.
Key Features
* Tabbed interface
* Copy/Move/Delete/Link operations
* Built-in Viewer (viewing html, rtf, mov, mp3, jpg, gif, tiff etc.)
* Built-in Editor
* Built-in FTP-client (create, upload, download, CHMOD, transfer mode, encodings, viewing files and so on...)
* Multi-Rename Tool
* Archives support (tar, gz, tgz, bz, bz2, tbz, zip)
* Sophisticated Drag'n-Drop
* Color Marking support
* System Index Utilizing Search
* Command Line
* Plug-in architecture (Terminal window, Burn CDs, Zip, Unzip, Untar etc.)
* Very usable interface (Eject buttons by volume names and FTP sessions, customizable toolbar, Drives panel)
* Customizable main menu shortcuts
* Two file selection modes (Mac native and Norton-Commander-like)
* Compare Directories, wildcard selection
* more...
What's New in This Release:* Improved design of Navigation Bar. Icons are now smaller and divided into categories (Drives, Devices, Places etc.)
* Introduced Quick View feature, which allows to view files directly on the opposite pane. The buil-in Viewer literally integrates into application's main window.
* Built viewer has extended its functionality, making possible to open multiple files at same time. File thumbnails are also now available.
* New Plug-ins added.
* Added Source Code plugin, which is a viewer extension. If you're a developer and have to often view sources in C++, C#, Xml, that's really what you need. Source Code plugin will make you code highlighted with colors.
* Spanish localization added.
* Added comprehensive Path Control which make browsing directories much easier.
System Requirements:No special requirements.
Program Release Status: Minor Update
Program Install Support: Install and Uninstall


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Home » Romance » April Andrews » April's Adventures #1 and 2 Collected Edition - an erotic comic book
April's Adventures #1 and 2 Collected Edition - an erotic comic book
April Andrews tells a series of short stories as she poses at photo shoots. This collected edition combines issues 1 and 2 of April Andrews' hit comic book series!
Read alsoThe Church in Exile: Interpreting Where We Are
How does the church get into tomorrow? Is there a common place for the generations to meet for a discussion of the journey? Is there a guide that would be viewed by everyone in the pews as reliable, true, and wise? Are there boundaries beyond which the people of God should not go? Are there things that are not part of our mission? These are my…


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Residents at St Bridget's celebrate diamond jubilee with greater independence
16 July 2015
We are pleased to announce that we have recently opened a refurbished flat supporting independent living at St Bridget's.
The accommodation enables disabled people to learn how to live more independent lives. With the latest equipment and facilities adapted for disabled people, the flat has private kitchens and bathrooms, allowing disabled people to cook meals, wash and dress without assistance.
The work was completed in time for the home's diamond jubilee celebrations, which gave even more reason to enjoy the week of anniversary festivities for the hundreds of people who attended.
During preparations for the 60th anniversary, we also uncovered some great pictures of the opening of the home.
'The games and activities we organised were a particular success, with everyone attending commenting on how much they enjoyed themselves.'
The project to refurbish the flat was supported by a grant from the Monday Charitable Trust and the accessible kitchens were donated and fitted by Howdens Joinery.
'Disabled people will find the flat offers a chance to learn new skills, gain confidence and have an excellent quality of life.'


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Selected fares from Tampa to Calgary
Flights from Tampa
Flying From Tampa
The commercial airport offering flights from Tampa is the Tampa International Airport. It primarily serves Silver Airways, Southwest Airlines, and North American Airlines. The airport lies six miles west of downtown Tampa. Orbitz.com can help you find cheap flights from Tampa International.
Parking at the Airport
Tampa International Airport offers several parking options for your vehicle while you are away. Short-term parking is in a garage located above the terminal at the northern end of the airport. It costs no more than $20 for a 24-hour period. Long-term parking is the cheaper option; it costs $15 for 24 hours. The long-term parking area is adjacent to Airside A. Orbitz.com's flight planner option helps you choose parking options.
Transportation Options for Travelers
Getting to Tampa International Airport is easy by bus or taxi. HART makes regular stops at the east end of the red baggage claim near belt #15. Greyhound, meanwhile, has a terminal on Polk Street in downtown Tampa that has buses that travel to the airport. If you take a taxi, expect to pay at least $15. Orbitz.com may offer special deals for bus tickets, depending on your location.
Eating at the Airport
The landside building at the airport offers a variety of cuisines to refresh you before your flight from Tampa. If you want coffee and breakfast, you can have a latte at the Starbucks, which is open 24 hours per day. Terminal restaurants, including Burger King, are open from 5 a.m. to 10 p.m.
Flights to Calgary
Calgary International Airport
Calgary is a popular vacation spot in Canada. Locating cheap flights to Calgary can often be difficult. Orbitz.com allows individuals to search a variety of airlines to locate the best deals. Calgary International Airport is located approximately nine miles from downtown Calgary on Airport Road. Seventeen airlines service the Calgary Airport, including Air North, American Airlines, Horizon Air and US Airways. Orbitz.com can help travelers find the best air rates.
Transportation From the Airport
The Calgary International Airport offers a variety of transportation options. Buses take visitors anywhere in the city and are available at a flat rate. Taxi services are available at metered rates, and individuals can rent limos by the hour or by the day. Orbitz.com can help locate car rental agencies within the city at discounted rates.
The Weather in Calgary
Calgary has extremely cold winters and mild summers. Temperatures in the summer rarely go above 75°F. Temperatures in the winter are usually in the single digits. The best time to visit Calgary is during the warmer summer months.
Things to Do in Calgary
The city of Calgary offers a wide selection of things to do. The Calgary Zoo is home to more than 1,000 animals from all over the world and six acres of botanical gardens. Prince Island Park is an island located in the Bow River, which provides options for hiking, boating, fishing and biking. The Calgary Tower is one of the tallest structures in Calgary. Visitors can climb to the top for one of the best views of the city. Orbitz.com helps travelers locate cheap flights to Calgary, which are perfect for the budget traveler.
Top Hotels in Calgary
- Acclaim Hotel Calgary Airport
- The Westin Calgary
- International Hotel and Spa Calgary
- Calgary Marriott Downtown Hotel
- Sandman Hotel Calgary City Centre
- The Fairmont Palliser
- Delta Hotels by Marriott Calgary Downtown
- Four Points by Sheraton Calgary Airport
- Radisson Hotel & Conference Centre Calgary Airport
- Hyatt Regency Calgary
- Ramada Plaza Calgary Downtown
- Hotel Le Germain Calgary
- Coast Plaza Hotel & Conference Centre
- Courtyard Calgary Airport
- Carriage House Inn
- Sheraton Suites Calgary Eau Claire
- Sheraton Cavalier Calgary Hotel
- Travelodge Hotel Calgary Airport
- Hotel Blackfoot
- Delta Hotels by Marriott Calgary Airport In-Terminal
Hotels in Calgary
Calgary Marriott Downtown Hotel110 9th Avenue SE, Calgary 3.5 out of 5.0
Located in Downtown Calgary, this eco-friendly hotel is within a 15-minute walk of CORE Shopping Centre and BMO Centre.
Four Points by Sheraton Calgary Airport2875 Sunridge Way NE, Calgary 3.5 out of 5.0
Situated near the airport, this spa hotel is 0.9 mi (1.4 km) from Sunridge Mall and within 3 mi (5 km) of McCall Lake Golf Course and Aero Space Museum of Calgary. ...
International Hotel and Spa Calgary220 4th Ave SW, Calgary 3.5 out of 5.0
A series of heated walkways links 60 other buildings to this 35-story hotel, which lies 2 blocks from Chinatown and the Eau Claire Market and 3 blocks from the ...
Radisson Hotel & Conference Centre Calgary Airport6620 36th Street NE, Calgary 3.5 out of 5.0
Situated near the airport, this spa hotel is 2.2 mi (3.6 km) from Aero Space Museum of Calgary and within 6 mi (10 km) of Sunridge Mall and McCall Lake Golf ...
Sandman Hotel Calgary City Centre888 7th Ave SW, Calgary 3.0 out of 5.0
Located right on the C-Train LRT line, the 23-story Sandman is three blocks from the Core, seven blocks from the Eau Claire Market, and eight blocks from the ...
The Westin Calgary320 4th Ave SW, Calgary 4.0 out of 5.0
The Westin Calgary downtown hotel offers easy access to the major business centre of the city, and Calgary's outdoor activities, fine restaurants, shopping venues ...
Acclaim Hotel Calgary Airport123 Freeport Blvd NE, Calgary 3.5 out of 5.0
Situated near the airport, this eco-friendly hotel is 2.6 mi (4.2 km) from Harvest Hills Golf Course and within 6 mi (10 km) of Deerfoot Mall and Cross Iron ...
The Fairmont Palliser133 9th Avenue SW, Calgary 4.0 out of 5.0
This Calgary hotel is located in the heart of the city, connected via skywalk to the Calgary Tower, Glenbow Museum and Telus Convention Centre.
Delta Hotels by Marriott Calgary Downtown209-4th Avenue SE, Calgary 3.5 out of 5.0
This 25-story hotel in Calgary's business district sits opposite the Harry Hays federal building and is within 5 blocks of Calgary's Chinatown, the Eau Claire ...
Hyatt Regency Calgary700 Centre Street SE, Calgary 4.0 out of 5.0
Located amid the shops and historic buildings on the Stephen Avenue pedestrian mall, this 21-story hotel is adjacent to the Telus Convention Centre and across ...
More to explore for Tampa to Calgary
Explore Calgary with Orbitz's Travel Guides to find the best flights, cars, vacation packages and more!
Flights from Cities near Tampa
Flights to Cities near Calgary
Other Flights to Calgary
- Chicago to Calgary
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- London to Calgary
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- New York to Calgary
- Orlando to Calgary
- Toronto to Calgary
- Paris to Calgary
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- Gothenburg to Calgary
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- Bangkok to Calgary
- Beijing to Calgary
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- Dallas to Calgary
- Detroit to Calgary
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- Montreal to Calgary
- Moscow to Calgary
Other Flights from Tampa
- Tampa to London
- Tampa to Chicago
- Tampa to Los Angeles
- Tampa to New York
- Tampa to Orlando
- Tampa to Toronto
- Tampa to Rome
- Tampa to Atlanta
- Tampa to Buenos Aires
- Tampa to Charlotte
- Tampa to Columbus
- Tampa to Dallas
- Tampa to Detroit
- Tampa to Houston
- Tampa to Kansas City
- Tampa to Montreal
- Tampa to Moscow
- Tampa to New Orleans
- Tampa to Phoenix
- Tampa to San Francisco
Fare, taxes & fees: Fares include all taxes and fees, except baggage fees. Rates shown reflect fares found by other Orbitz users over the past 48 hours. Due to rapidly changing airline prices & seat availability, these fares may no longer be available.
Refunds/changes/cancellations: Itinerary changes, if permitted for the fare, will have a $30 service fee charged by Orbitz. Additional airline charges may apply.
Other conditions: Schedules, fares and rules are subject to change without notice. Seats are limited and may not be available on all flights/dates or in all markets. Lower fares may be available. Fares will not be honored retroactively or in exchange for any wholly/partially unused ticket. Tickets are non-transferable and non-refundable. Fare rules are provided for the selected itinerary before booking.


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First to have the idea, second to make it and hide the flipping thing, third to be so good at drawing. Addressing a meeting at the Policy Exchange think tank in Westminster on Monday, he said that Muslims see the world differently from the rest of us, the Times reports. In the halcyon days of university before New Labour and Neo Conservatism stuffed it all up, some staff from PowerVR came to my university to speak to the newly graduated.
Keepers Stasko, Nicolette anniversary burns, joanne Birthday Poem Malouf, David A Birthday Poem Jones, Evan The Present Krausmann, Rudi For Katie's Twenty first Birthday Beaver, Bruce Birthday Poem Jones, Evan Birthday Song Jones, Evan Lines For The Fiftieth Birthday Of A. Fashion Studio Summer Outfit Design Game Hello Kitty Room Dress up Games: Hello Kitty Room More Games and Funny Pictures Cute Cartoon Penguins Dress Up Game Fashion Editor Fashion Editor: Sarah is a fashion editor and she loves her work so much. Steve Aze Myself & the awesome #port80 speakers from Friday's @Port80Events (ta to @CWCImagery) pic.
com upon registration for specific services is password protected so that the only parties who have access to the information besides Business Wire and its agents and affiliates are the member entity and its employees. Remember to bring any food supplements or medication you regularly take enough for the length of your stay. ??Click on the previous and next buttons below to go back and forth through the catalogue, or visit the Master Index for a full list of reviews so far.


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Вырезание Штампом
CNCCookbook: CNC Plasma Table Idea Notebook
6 Die Cutting Tips, Tricks + Shortcuts You Need to Know
Die-Cutting Machine Comparison Chart for Manual Machines from @papercraftsmagazine #free #download
Expressions Thinlits Dies: how to tips from LovenStamps
Good picture tutorial on how to renew a warped Cuttlebug B plate. I have done this several times since I use my B plates a lot. Works every time!
Partial Die Cutting Tutorial - Splitcoaststampers
9/7/2012; Birgit at 'Rapport från ett skrivbord' blog; a dry embossed feather and Encaustic painting behind the negative
The Five Best Die Cutting Videos for Beginners #diecutting #papercraft #cardmaking
Dryer sheets to the rescue! Best tip ever for releasing paper from intricate dies after cutting. And the paper stays in place exactly like you cut it. Works best with a metal precision plate as your base though.
Birthday—love the font... 2 halves of a card "glued together" by small die cut letters that spell HAPPY.


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This week in focus: Ukraine economy: searching for bottom
Ukraine's industrial production dropped 21.1% y/y last month, Ukrstat said last week. As industrial output shrunk by 21.4% y/y in Jan-Mar 2015, we believe real GDP drop deepened to 15-15.5% y/y in 1Q 2015 as slump in retail sales accelerated and the agricultural sector showed its first negative reading since at least 2008. For the time being, we retain our forecast of a 7.5% GDP drop this year. Risks of a downside revision are nevertheless substantial, stemming primarily from a potential drag on the "debt operation" story or geopolitical factors.
Currency market: Current account nearly zero in Mar, expected to balance this year
USD/UAH has fluctuated around 23.0 through the past week, moved by the regular fluctuations in supply and demand. Current account was nearly balanced in Mar 2015 and the deficit of goods moderated to just USD 195mn as imports contracted faster than exports. The data is line with our expectations, as we believe the current account will balance this year (mostly due to a sharp drop in non-energy imports, spurred by contraction in real wages and retail demand). Balance of payments was still negative (-USD 305mn), as net lending to the private sector remains the major source of weakness. Going forward, we expect the interbank market to be largely anemic through the next two weeks. Ukraine heads to long May holidays, starting this Friday and finishing on Tuesday, May 12. Trades will therefore be rather inactive and movements of the USD/UAH will therefore be quite limited.
Money market: Good liquidity on bond redemption and budget payments
NBU said it had decided to retain the base policy rate at 30%. Commenting its decision, the policymakers noted that the "March's indicators point to heightened risks of inflation rising above projections by end-2015". Going forward, we believe the policy rate will be left unchanged through the rest of the year and expect the rate could be lowered no earlier than by end 1Q 2016 (when the annual inflation will slow down to below 20%, according to our expectations). Aggregate banking liquidity has finally crossed the UAH 50bn threshold and hovered at UAH 50-52bn since Tuesday. The rise in liquidity took place against the backdrop of aggregate UAH 6.1bn of OVDP payouts last week (UAH 1.5bn Wednesday and UAH 4.6bn Friday) and increased budget payments by MinFin. Interest rates have not responded though, having stayed virtually flat. The limited reaction of interest rates to the record high liquidity is due to high NBU deposit rates (26-27% for tenors 6 to 30 days), in our view, effectively acting as a "floor" for the money market rates.
Local debt market: Dull
Real market yields (bids) on new VATs are around 27% and the same on old VATs are around 24%. Bid yields on notes maturing is summer 2016 are around 26.5% and notes due within the nearest 6 months are effectively absent in the market. Secondary market yields will likely be stable in the nearest future. MinFin may still enter the primary market, seeking a re-placement of "old" 2Y and "military" notes. Upcoming holidays will also have their say as market activity is expected to be very low during the next 2 weeks. Moreover, attractive yields on the NBU deposit certificates make them a more appealing investment than government notes (which implies the government would have to raise the primary yields accordingly to stimulate demand for its debt securities). In the FX segment, yields have remained roughly the same. Bid yields on the notes maturing in May, Jun and Jul this year are close to 1%, 5% and 7%, respectively. Underlying USD/UAH is around 23.5.
Global markets: Ukreximbank holders agree to 3M extension
Ukreximbank has today announced the bondholders approved a 3M extension of its USD 750mn Eurobonds due today. The bank also said it now intends to seek implementation of the reprofiling of the notes on the terms set out in the its notice issued one week ago, looking to reach an agreement by Jul 27, 2015. The price of the Ukreximbank Eurobonds has today averaged at 75.5% (Bloomberg data). Ukraine's MinFin is set to issue a USD 1bn Eurobond, as the agreement on US government loan guarantees is taking effect shortly and the guarantee provision will be effective within 30 days. Meanwhile, the outstanding issues of Ukraine government advanced by 2.5-3.5% last week, as investors were also spirited by the attractive Ukreximbank offer. DTEK announced results of the restructuring offer on its Eurobonds due 2015. Holders representing 91.14% of the outstanding principal amount of the issue (USD 200mn) have supported the proposal and the company said it is going to proceed with a new USD 160mn issue.
For more information: 27.04.2015.pdf


text:
Property Name: Zorad House
Property Address: Csap Utca 1 Budapest, , 1016
Property Description: Zorad House is a self-catering accommodation located in Budapest, within 10-minute bus ride from the city centre. Free WiFi access is available and public parking is available on site, at a surcharge. The apartment comes with a fully-equipped kitchen, a living room with a sofa and a TV, and a private bathroom with a shower and a washing machine. The property is 1 km from Citadella and 1. 4 km from Chain Bridge. Budapest Liszt Ferenc Airport is located 25 km from Zorad House.
Property Facts: Total Number of Rooms: 1Year of Last Renovation: N/A


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Australians and life insurance: misinformed, misinsured?
- Roderick Walton
- 1 years ago
- Views:
1 Australians and life insurance: misinformed, misinsured?
2 Are our priorities right? of Australian car owners insure their car BUT only 83% 31% insure their income Source: lifewise.org.au 20% of mortgage defaults are due to illness or accident in household Source: Mortgage default in Australia: nature, causes and social and economic Impacts, Australian Housing and Urban Research Institute, March
3 What is more valuable? your car Cost -$45,000 Value in 5 years time? VS your income Annual value now? Value over 5 years time? Value until you retire? Cost to insure $100 per month (Illustrative only, based on popular four door sedan, major insurer, suburban Sydney, 35 year old male driver, 2014.) Cost to insure 2% of income (before tax) (Approximate only, individual cost varies by many factors including age, occupation and benefits chosen.) 3
4 How much do you rely on your income? Assuming you were unable to work because of illness or injury, how long do you think you could survive on a zero income before needing to sell your assets? 45% 40% 35% 30% 25% 20% 15% 38% 20% 17% Research showed that a significant proportion (38%) of working Australians could survive less than one month without their income before needing to sell assets. For under 35s, this proportion was around half. Exercise How would you survive in a month s time if your income stopped now? 10% 11% 5% 0% <=1 month >1 to 3 months >3 to 6 months 7 to 12 months 3% 13 to 24 months 1% 1% 4% 2% 2% 25 to 36 months 37 to 48 months More than 48 months Indefinitely Unsure Source: Zurich Misinsurance whitepaper February
5 What risks are you most worried about? 40% 35% 38% Risk All Population ranking 1st Your ranking 30% Permanent disablement 2nd 25% 24% Trauma (cancer, heart attack) 3rd 20% 15% 10% 5% 9% 17% 10% 8% 15% None Temporary disablement due to sickness or accident Death 4th 5th 6th 0% Death Permanent Disablement Trauma Sick / Accident Made Redundant None All Redundancy Other 7th 8th Notable finding There seems to be a misalignment between perceived ability to survive without an income and which risks are of most concern to people. 5
6 So you What think are the it odds? will never happen to you? ZU11048 v2 03/13 Stroke Stroke is a leading cause of long term disability in adults. 7 Close to 20% of all strokes occur to people under age Each year about 12,000 people who have had a stroke suffer another stroke. 8 Smoking One in nine cancer cases, and one in five cancer deaths, are caused by cigarette smoking. 3 Cancer 1 in 2 Australian men and 1 in 3 Australian women will be diagnosed with cancer by the age of Injury or poisoning Over 39,000 people will be hospitalised due to injury or poisoning this year. 9 Prostate cancer Around 19,400 Australian men are diagnosed with new cases of prostate cancer every year, and around 3000 men die from it. 10 Heart attack Each year, around 55,000 Australians suffer a heart attack. This equates to one heart attack every 10 minutes. 1 Disability You have more than 60% chance of being disabled for one month during your working life. 5 - and a 1 in 3 chance of being disabled for more than three months Depression One in four women and one in six men suffer from depression at some time in their life. 2 Coronary heart disease was the leading cause of death for both males and females in Breast cancer One in eight Australian women will develop breast cancer. 11 Bowel cancer Around 13,000 new bowel cancer cases are diagnosed in Australia every year. The disease claims almost 4000 lives annually. 6 1 Data and Statistics, Heart Foundation, The Victorian Government s Better Health Channel website, Depression an overview, 2007 Cancer FAQ, National Cancer Council (AIHW Australia s health Australia s health no. 13. Cat. no. AUS 156. Canberra: AIHW. page 86) Interim Report of the Disability Committee, Institute of Actuaries of Australia 2000 National Bowel Cancer Screening Program monitoring report 2008, Australian Institute of Health and Welfare 2008 National Stroke Foundation website, What is a Stroke?: Facts, figures and statistics, 2009 Australia s Health 2008, Australian Institute of Health and Welfare 2008 Australia s Health 2010, Australian Institute of Health and Welfare Prostate cancer related statistics, Prostate Cancer Foundation of Australia Breasthealth: what is breast cancer, Pink Ribbon Appeal 2008, National Breast and Ovarian Cancer Centre, National Breast Cancer Foundation Facts & Figures - Cancer in Australia 2012 Cancer Council Based on analysis of Zurich Trauma claims paid 14 Zurich Claim Cause Analysis Trauma
7 It can - and does - happen to anyone at any age: illness and injury Extract from Zurich income protection claims register Age Gender Years since policy started Cause Occupation Duration (days) Initial monthly benefit Benefits paid to date 23 M 4 Fractured left ankle Cement renderer 59 $2,233 $4, F 2 Hyperemisis gravidum Accountant 150 $3,125 $17, M 1 Hodgkins lymphoma Adviser 178 $6,750 $42, m 2 Burkitts lymphoma Dentist 150 $11,250 $46, M 5 Fractured right femur Self employed tiler 211 $4,101 $30, M 2 Depression Real estate agent 34 $15,562 $33, F 3 Hyperemesis gravidarum Clinical psychologist 61 $5,654 $11, f 1 Fractured left clavicle Osteopath 106 $4,774 $17, m 4 Generalized anxiety disorder Project engineer 272 $9,842 $89, F 2 Cardiac arrest Chief financial offer 395 $4,870 $71, m 5 Carpel tunnel syndrome Plasterer 89 $4,482 $13, m 4 Adjustment disorder Piping engineer 223 $6,669 $54, m 2 Depression General manager 273 $2,926 $44, m 1 Bilateral tennis elbow Plumber/Roofer 303 $5,188 $54, m 2 Head fracture IT consultant 242 $9,769 $41, m 4 Fracture right midfoot Doctor - general practitioner 216 $4,163 $11, m 6 Prostate cancer Glazier 241 $4,462 $37, m 14 L5 disc prolapse Bobcat operator 108 $3,690 $13, f 6 Acute myeloid leukaemia Head of technology 76 $12,449 $34, f 2 Motor vehicle accident School teacher 272 $4,120 $38, m 5 Osteosarcoma Operations manager 364 $3,746 $52, m 6 Anxiety and depression Project manager and consultant 303 $8,171 $49, m 3 Myxoid liposarcoma Manager engineering 119 $10,640 $87, f 15 Rectal adenocarcinoma Florist 183 $2,373 $15, m 18 Liver cancer Psychiatrist 60 $11,766 $24, m 16 Non-hodgkins lymphoma Funeral director 231 $5,099 $40, m 25 Fractured left hip Painter and decorator 285 $1,686 $19, f 4 Carpel tunnel syndrome Plastic surgeon 18 $23,185 $4, m 18 Degenerative disc and joint disease Bricklayer 201 $2,895 $16,557 Fact Even minor, non life-threatening conditions can see you off work and unable to earn your income 7
8 It can - and does - happen to anyone at any age: serious health trauma Extract from Zurich trauma claims register Age Gender Years since policy started Cause Benefits Age Gender Years since policy started Cause Benefits 29 M 4 Benign brain tumour $156, m 5 Stroke $79, f 6 Lung/Respiratory cancer $303, m 3 Diabetesmellitus $551, m 5 Cardiomyopathy $1,215, f 4 Thyroid/Glandular cancer $1,050, m 3 Heart attack $385, f 6 Breast cancer $382, m 4 Prostate cancer $289, m 7 Myocardial infraction $1,267, f 15 Multiple sclerosis $271, m 14 Heart attack $382, f 4 Breat cancer $110, m 7 Coronary artery bypass surgery $167, f 6 Leukaemia $255, f 11 Cervical cancer $155, m 7 Parkinson s disease $106, f 4 Motor neurone disease $231, m 16 Mesothelioma (asbestos cancer) $203, f 5 Stroke $364, m 2 Skin cancer (melanoma) $110, f 9 Ovarian cancer $157, m 9 Bowel cancer $298, m 16 Prostate cancer $204, m 12 Ischaemic heart disease $171, m 6 Coronary artery bypass surgery $328, m 2 Angioplasty $525,000 8
9 Video stories: Claimants talk about their experiences Trauma insurance Trevour Dymond was a very fit professional in his thirties, who suffered a stroke. Trauma insurance Breast cancer sufferer Evelyn Wilfling discusses her experiences. 9
10 Cancer - bad news - good news - bad news Males have a 1 in 3 chance of suffering cancer before age 75. Females 1 in 4. around 120,000 new cases are diagnosed every year in the last 25 years, number of cancer cases diagnosed has grown 200% The population has grown 30% over that same time period Good news Cancer survival rates are increasing for most types of cancer, with 5 year relative survival rates for all cancers at 66% is the leading cause of death for CANCER males of all ages - and females aged this year will see nearly 20,000 new cases of prostate cancer AND 14,500 cases of breast cancer diagnosed but The lifetime financial cost of cancer to an individual is on average more than $100,000 (some cancers can cost 2-3 times that) Source: Cancer in Australia, an overview December 2012, Australian Institute of Health and Welfare; Cost of cancer in NSW, Access Economics, April
11 The risks are magnified for small business owners Chance of one partner dying before the age of IN IN IN IN IN 100 Number of partners Chance of one partner dying or becoming totally disabled before the age of IN IN IN IN IN 100 Source: Zurich mortality and morbidity statistics
12 What are you really protected for? Cover typically provided by life or health insurance products: Events covered Type of cover Death by accident Death by any cause Terminal illness Total and permanent inability to do any job Accident or illness resulting in: Total and permanent inability to do your own job Temporary inability to do your normal job Health trauma (cancer, heart attack, stroke) Hospital expenses Cost of ambulance transport Accidental death ü Death cover super ü ü ü Death cover non super ü ü ü TPD cover super ü TPD cover non super ü OR ü Income protection super ü Income protection non super ü ü (allowable extra) Health extras (dentist, optical) Trauma ü Private health insurance ü ü ü Ambulance cover ü - 12
13 Will government assistance really assist? Workers Compensation1 Workers compensation - e.g. WorkCover - will only cover you for accidents or injuries that occur during working hours or for an illness that is a direct result of your employment (if you are self employed you may not even have workers compensation cover). Even if your illness or injury is covered by workers compensation, benefits are capped under the different state regulations, in terms of both the amount of weekly benefit and the length of time they are payable for. For many people, the benefits payable under workers compensation will be well short of their normal weekly income. Centrelink 2 (disability support pension) As at June 2014, Centrelink disability support offered a maximum payment of $766 per fortnight per single, and is subject to income and assets testing. NDIS 3 The NDIS is currently being trialled in a handful of regional locations, with full rollout in states to commence in NDIS is not intended to replace lost income nor pay lump sums for injuries, it is designed to offer a broad range of support including access to community services, and/or equipment such as wheelchairs - for people with severe and permanent physical and/intellectual disabilities. For more information: 1. See relevant workers compensation authority in your state 2. Souce: Centrelink website 3. Source: ndis.gov.au 13
14 No substitute: other insurances There is a range of highly specialised insurances that provide very narrow cover in very limited circumstances and should not be considered a substitute for life insurance. These include: Did you know? In the NT it is possible to buy Crocodile insurance Public liability cover Compulsory Third Party cover Complimentary credit card insurance Specialist insurances Credit insurance Travel insurance Accident covers 14
15 Are you adequately protected? Things to consider Average Australian home loan end 2013) - $319,200 Source: ABS Housing Finance, Australia THIS IS ALMOST x5 the median weekly wage of $65,000 * Source: Source: ABS Employee earnings and hours The legal minimum level of life insurance (death and TPD) offered by a MySuper product in a default employer sponsored superannuation funds is as per table below (source: ATO website) Age range Minimum level of cover 0 to 19 NIL 20 to 34 $50, to 39 $35, to 44 $20, to 49 $14, to 55 $7,000 What cover does 56+ NIL your fund offer? 15
16 Mind the gap: The facts about life cover through your super Fact 1: Fact 2: Fact 3: Many employees get access to automatic or default life insurance through their superannuation fund. However the default benefits are generally driven by simple formulas based on your age and salary. Default cover is not tailored to your circumstances There is often a gap between the required cover needed and the default cover given Income protection You may find your fund either doesn t offer it automatically or if it does it has a three month waiting period. This is little comfort to those people who said they would struggle to last 1 month without their income. Furthermore, this type of cover is likely to offer a limited benefit period and very basic features. Death & TPD cover When it comes to death and TPD cover, research by Rice Warner 1 actuaries illustrates that life insurance cover within super is on average only 20% of what is needed. Furthermore coverage within super is more limited, with benefits such as terminal illness and own occupation TPD not available through your super fund coverage. Could you survive 3 months without your income? GAP = 80% 1 Source: lifewise.org.au 16
17 Do life insurers pay claims? Total life insurance claims paid 2012* $ paid Total claims Term $1.81bn 18,197 TPD $630m 6,930 Trauma $539m 3,169 Income $1bn 34,056 Total $3.98bn 62,352 This means an average of $15.9 MILLION was paid in claims everyday to 171 Australians and their families *Source: Risk Store, Australian life insurance claims analysis Excludes Business Expense claims 17
18 Other life insurance myths and objections I can t afford it If every cent of your income is precious then you can t really afford not to have it. Plus life insurance is probably cheaper than you think, with the equivalent of $10 per week able to buy approximately $750,000 in death cover for a 35 year old non smoking male (illustrative, based on sample quotes from a range of insurers). If something happens to me, my debt is extinguished Unless you are specifically paying for some type of credit insurance this is almost never the case. The lender will either demand your guarantor or family members keep up the payments or seize the assets (car, home, business). I need a medical MYTH As part of the application you will need to answer questions about your health, occupation and lifestyle, but in most cases an insurer can process your application without needing to ask for extra. Occasionally, depending on your health or the type or amount of cover applied for, you may be asked for extra information. This may involve a more detailed questionnaire or - in some cases - tests such as blood tests, or a medical examination (by your own doctor). The costs for any such tests - in the event they are required - are fully met by the insurer so you are not left out of pocket. I feel awkward discussing my health issues in front of people Many life insurers now offer telephone based underwriting services, where they can call you at a pre-arranged time and gather the required information over the phone. MYTH MYTH 18
19 Your next step? 1. Understand what you are and aren t - covered for 2. Get expert assistance to tailor cover to your own circumstances and needs 3. Investigate; understand; protect what s precious Your financial adviser can help 19
20 Important information: This information is dated 20 May 2014 and is derived from available sources believed to be accurate as at the relevant date indicated, which may be subject to change. It should not be considered to be a comprehensive statement on any matter and should not be relied on as such. The information is also of a general nature only and does not take into account any personal objectives, situation or needs. You should consider these factors, the relevant product disclosure statement (PDS) and the appropriateness of this information before making any decision. This information is a summary for financial advisers only and there are relevant exclusions and conditions. For products issued by Zurich, you should refer to the Zurich Wealth Protection Product Disclosure Statement (PDS) dated 1 March 2014 available from Zurich Australia Limited ABN , AFSL and Zurich Australian Superannuation Pty Limited ABN , AFSL are the issuers of Zurich Wealth Protection. 5 Blue St North Sydney NSW ZU22195 V SWIN Zurich Australia Limited ABN , AFS Licence Number GIIN FVHHKJ ME Blue St, North Sydney NSW 2060 Adviser Service Centre
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text: News Ricky Ponting to front Big Bash for Ten June 30, 2013 2:33 by Tim Burrowes 2 Former Australian cricket captain Ricky Ponting is to be the face of Ten's Big Bash coverage, the network has announced. Ten bought the rights to the short form cricket league earlier this year. Ponting, who stepped down as captain in 2011, is due to fully retire from the game in October. Network Ten CEO Hamish McLennan said: "We are honoured that Ricky has agreed to join our new cricket commentary team. We are committed to making the KFC T20 Big Bash League a major television event for Ten and Cricket Australia. That is why we have recruited one of Australia's most successful and respected cricketers of all time." Tim Burrowes Tim Burrowes is the founder and content director of Mumbrella. He's written about media and marketing in Australia, the Middle East and the UK. topics Big Bash, cricket, Hamish McLennan, Ricky Ponting, Ten Share Tweet Share Comments: 2 Add Comment DTM 1 Jul 13 Great score! Reply Dan 1 Jul 13 The shoes Ricky, do something about the shoes! Reply Have your say Name Email Address (optional) Website (optional) ADVERTISEMENT Most Discussed 35 Comments Alec Baldwin urges Aussies to do better in GE Money rebrand to Latitude Financial 28 Comments Some of Mark Ritson's claims around media are 'dangerous' says media agency exec 21 Comments Ten apologises for Have You Been Paying Attention? segment on death of Thailand's King 16 Comments Weight Watchers admits 'mistakes' after sending female journalists night light to improve sex lives 13 Comments Are millennials the most inauthentic generation ever?


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