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Attorneys Say Trial of Kings Wouldn't Unearth Surprises - Feb12, 1991 - Omaha World-Herald
Not for commercial use. Solely to be used for educational purposes
Feb 12, 1991 Attorneys Say Trial of Kings Wouldn't Unearth Surprises; [Metro Edition] Robert Dorr. Omaha World - Herald. Omaha, Neb. pg. 1
Full Text (1800  words)
(Copyright 1991 Omaha World-Herald Company)
A trial of Lawrence E. King Jr. and his wife, Alice, would not have uncovered any gold mine of secrets about the Kings or the Franklin Community Federal Credit Union collapse, attorneys in the case said Tuesday.
"There would have been no surprises," said First Assistant U.S. Attorney Thomas Thalken, lead prosecutor in the King case.
The Kings pleaded guilty Monday in U.S. District Court in Omaha to a reduced number of charges related to the collapse of the credit union and the disappearance of $39 million from it.
King, Franklin's top executive, probably will serve at least 10 years in prison for his part in looting the credit union, his plea bargain with prosecutors indicates.
Sentencing May 13
Mrs. King could be sentenced to a maximum of three years in prison. How much, if any, prison time she is likely to receive was unclear after a two-hour hearing Monday before U.S. District Judge William Cambridge.
Mrs. King's attorney said he hopes to convince Cambridge that Mrs. King should not receive much, if any, prison time so that the Kings' son, Prince, 10, won't be separated for long from both parents.
Cambridge said he will sentence the Kings May 13 after a pre-sentence investigation by the U.S. Probation Office. The Kings will remain free until sentencing.
The guilty pleas mean the long-awaited trial of the Kings won't happen. The trial, which was scheduled to start March 4, could have lasted 2 1/2 months to six months, attorneys involved in the case estimated.
If the Kings had been tried, Thalken said, the two cornerstones of his case would have been:
The testimony of E. Thomas Harvey Jr., Franklin's chief accountant, on how Franklin was looted.
A detailed financial breakdown by a National Credit Union Administration consultant showing where Franklin's money went.
'There's Nothing There'
Harvey's testimony and the financial breakdown would have amounted to a "regurgitation of all those matters that already have been talked about," Thalken said.
The prosecutor noted that the Franklin case has gotten massive publicity. Two grand juries have issued reports, and a U.S. House of Representatives oversight subcommittee conducted a hearing in Omaha.
Alan Stoler, one of King's attorneys, said he agreed with Thalken. "I don't think there's anything hidden or sinister that hasn't been reported."
The idea some people have that some matters have been covered up "is a misperception," Stoler said. "There's nothing there."
Jerold Fennell, Mrs. King's attorney, said a trial would not have brought out anything about the Franklin case that the public doesn't already know.
In his plea agreement, King took responsibility for crimes that led to Franklin's financial collapse Nov. 4, 1988.
"I was ultimately responsible for overseeing the day-to-day operations of Franklin," King said in a prepared statement. "I hereby admit responsibility for (Franklin) funds which were used for my personal expenses."
Federal authorities alleged that the King family spent $10.8 million from 1984 through 1988 to support a lavish lifestyle that included driving a $70,000 white Mercedes and buying a $17,000 green ostrich-skin coat and matching slacks.
Thalken told Cambridge that the original 12 charges against Mrs. King related to Franklin would have been difficult to prove.
There was "substantial conflict" on whether Mrs. King was a participant in the Franklin offenses, Thalken said. "There would be difficulty in proof."
King, 46, who was indicted on 40 charges May 19, 1989, pleaded guilty to three: one count each of conspiracy, embezzlement and making false bookkeeping entries.
Mrs. King, 44, pleaded guilty to a new charge of filing a false tax return for 1986.
Other Charges Dropped
All other charges against the two were dropped.
The parts of King's plea agreement dealing with his potential sentence contain these points:
King cannot be sentenced to more than 15 years in prison.
He falls into a category of criminals who should serve a prison sentence between a minimum of 10 years and one month to a maximum of 12 years and seven months. Such a sentence would comply with federal sentencing guidelines.
To partly accomplish that goal, he should receive a maximum prison sentence of five years each on two charges under federal sentencing guidelines. Those two terms would be served one after the other. Parole is not possible. That 10-year term could be reduced by about six months by good conduct in prison.
He committed one of the three offenses to which he pleaded guilty before federal sentencing guidelines took effect. A sentence up to five years is possible on that offense. That sentence would be served after the other two. If he receives the five-year maximum, he normally would serve about one-third of that sentence, or about 20 months, before receiving parole. If all the above points come to pass in that manner, King would serve 11 years and two months in prison.
Judge's Judgment
However, Judge Cambridge made it clear that he will exercise his own judgment in imposing a sentence. Under federal rules, Cambridge must sentence a defendant within the sentencing guideline range unless he has good reasons to deviate.
The plea agreement specifies one possible reason for Cambridge to reduce King's sentence. It says King will be permitted to produce evidence that he had "reduced mental capacity" that contributed to his committing crimes at Franklin.
If King makes that claim, the government will have the right to pick a psychiatrist to examine Franklin's former top executive, the agreement says, giving the government a chance to rebut King's claim of diminished mental capacity.
The question of whether King was mentally competent was raised a year ago when U.S. Magistrate Richard Kopf ordered King to undergo a mental competency exam. He first was found to be incapable of cooperating with his attorneys but ultimately was determined competent to stand trial.
Stoler, King's attorney, said after Monday's hearing that if King is given the maximum 15-year term, "that is not a light sentence."
"Would you like to spend 15 years away from your family?" Stoler asked.
The maximum sentence for the charges to which King pleaded guilty also includes a $750,000 fine if the judge chooses to impose it.
'Consideration for Wife'
There were indications that King's guilty plea resulted partly from his desire to get a light sentence for his wife.
On his signed plea agreement, King said his first reason for pleading guilty was "consideration for his wife and son."
One part of the plea agreement - a part committed to orally by both sides - tied King's agreement to plead guilty to Cambridge's acceptance of Mrs.
King's guilty plea.
Stoler said King wanted the continuity for his family that his wife's presence at home would provide if she isn't sentenced to prison time.
The Kings came into the courtroom separately Monday but left together. They declined to speak to reporters as they left.
Original Focus
The collapse of Franklin has generated waves of news coverage - first on the allegations of financial misdealings and later on rumors and allegations of child sexual abuse.
Two Franklin grand juries found no substantiation for child sexual abuse allegations that had been made to a legislative committee investigator.
The hearing Monday dealt only with charges relating to the credit union's financial collapse, returning the Franklin case to its original focus.
Cambridge questioned King, his attorneys and Thalken on the sentencing portion of the plea agreement. All agreed that the calculation of the sentence contained in the agreement was not binding on Cambridge.
All parties said Cambridge could decide to impose the maximum penalty of 15 years in prison for the three counts.
Under the agreement, King waived his right to appeal the sentence he receives.
In accepting the guilty pleas and the agreement, Cambridge said the three counts encompassed most of the other charges in the 40-count indictment against King. "By pleading guilty to conspiracy, all of the relevant conduct is accounted for," Cambridge said.
The admissions in the plea agreements, Cambridge said, "adequately reflect the seriousness of the underlying offense."
Maximum Sentence
Cambridge indicated from the bench that had the case gone to trial and King been found guilty of all 40 counts, the maximum sentence could not have been much more than 15 years.
After the hearing, Thalken confirmed that the conviction of King on all 40 counts would have brought a maximum sentence in the neighborhood of 15 years.
Cambridge questioned the Kings at length about their understanding of the crimes they had pleaded guilty to in the agreement.
For a brief time, King was reluctant to tell the judge that he had, in fact, committed all the crimes mentioned in the three counts, including the conspiracy offense, which referred to 11 separate violations.
Cambridge asked King, "Did you commit them?"
King, whose voice was barely audible in the ninth-floor courtroom, referred to his signed plea agreement.
"I won't accept that," Cambridge said. "I want to know if you did commit these offenses."
King Whispered
King then whispered to his lawyer, Stoler, for several minutes.
Cambridge told King: "I do not want to take your plea of guilty unless you are guilty. Are you, in fact, guilty?" The judge then asked King again whether he was guilty of committing the offense contained in the three counts.
"I am," King said.
Cambridge: "Are they true?"
King: "Yes!"
Cambridge: "Do you still want to plead guilty?"
King: "Yes!"
King's signed statement also acknowledged that he was aware that Harvey "had instituted a bookkeeping system to prevent the National Credit Union Administration from determining the actual status of funds in (Franklin)."
"Although I was not aware of the intricacies and the actual bookkeeping entries that were made by Tom Harvey, I was responsible for aiding those acts which furthered the misapplication of funds from (Franklin) and not taking appropriate action to prevent it," he said.
King's statement said he did not dispute the amounts of money determined by the government to be looted from Franklin and used by King for his personal expenses and his businesses.
Signature on Checks
Fennell, Mrs. King's attorney, told Cambridge that handwriting experts were prepared to testify that Mrs. King's signature had been forged on the checks the prosecution intended to use against her.
The possible sentence for Mrs. King on the single charge to which she pleaded guilty is three years in prison and a fine up to $250,000.
She admitted signing an income tax return for 1986 showing total income for her and her husband of $122,642, a year in which their correct income was $2.7 million - meaning that the under-reported amount was nearly $2.58 million.
Mrs. King stated in writing that her reason for not going to trial was this: "I fear if I go to trial I may be convicted of one or more counts which would result in a prison sentence of great length.
Credit: World-Herald Staff Writer


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subset: commoncrawl


text:
The How To Be Here Experience - Chattanooga
$ 100.00
An all day event with Rob Bell further exploring the ideas in How To Be Here.
November 12, 2016
The Camp House
149 E M L King Blvd
Chattanooga, TN
The event will run from 10am-5pm with a break for lunch. There are several lunch options within walking distance.
Refunds are available up until 1 week before the event.


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SailNet Community (http://www.sailnet.com/forums/)
- Chartering (http://www.sailnet.com/forums/chartering/)
- - charter broker fees (http://www.sailnet.com/forums/chartering/6298-charter-broker-fees.html)
charter broker fees
Hi Everyone: Can somebody give me an idea of a typical charter broker fee charged in the Chesapeake region? Ie., how much would a broker charge as their commission on every charter of your boat?
On an unrelated topic, have any of you ever purchased charter insurance in the Chesapeake? If so, can you tell me a little about your experience, if you thought the price was reasonable for the charter income you received, etc.
Thanks, John M.
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Samsung Galaxy S7 Edge
The Samsung's galaxy S7 edge looks same as its predecessor Samsung did a pretty good job in the refinement of that model. This model has water resistance feature. This model has various feature and qualities in it which are as follow:-
If we talk about the new dimension Galaxy S7 edge has size 150.9 x 72.6 x 7.7mm. That's 8mm taller and 2mm wider than the S6 edge, and 3mm shorter and narrower than the S6 edge+. These two are a good reference considering the S7 edge is right in terms of screen size. The S7 edge weighs 153 gram, 25g heavier than its predecessor.
The Samsung Galaxy S7 edge runs on a TouchWiz-skinned Android 6.0.1 Marshmallow. The Marshmallow OS has native support for fingerprint readers, app manager, Doze mode, among other features available.
There are three edge features on the Samsung Galaxy S7 edge –
• Edge Panels
• Edge Feeds
• Edge Lighting
Samsung Galaxy S7 edge comes with a 12MP main camera which has face detection autofocus, OIS, LED flash. The other Camera features are Geo-tagging, touch focus, face/smile detection, panorama, Auto HDR
The phone is powered by Snapdragon 820 flavor of the Samsung Galaxy S7 edge. Checked against all benchmarks. The results came are fantastic.
The Samsung Galaxy S7 edge unit we got is the global version, so different model got different CPU some model powered by the Exynos 8890 chipset. Selected markets will be getting Snapdragon 820-based units.
Technology: GSM/LTE/HSPA
Front camera: 5MP, dual video call, Auto HDR
Rear camera: 12MP, face detection autofocus, OIS, LED flash
Camera features: Geo-tagging, touch focus, face/smile detection, panorama, Auto HDR
Size: 5.5 inch
Resolution: 1440*2560 pixels
Display: Super AMOLED capacitive with 267ppi, 16M colors
Processor: Dual-core 2.15 GHz Kryo & dual-core 1.6 GHz Kryo
Quad-core 2.3 GHz Mongoose + quad-core 1.6 GHz Cortex-A53
Chipset: Qualcomm MSM8996 Snapdragon 820, Exynos 8890 Octa
Gpu: Adreno 530, Mali-T880MP12
Ram: 4 GB
Rom: 32/64 GB
Android version: v6.0 marshmallow
Multitouch: Yes
Protection: Corning Gorilla Glass 4, Always-on display, TouchWiz UI, Curved edge screen
Battery: Non-Removable 3600mAH LI-ion
Bluetooth: Bluetooth version 4.1, A2DP
WLAN: Wi-Fi 802.11 b/g/n, Wi-Fi hotspot, Wi-Fi direct
Dual SIM: Single SIM (Nano-SIM) or Dual SIM (Nano-SIM, dual stand-by)
GPS: Yes, with A-GPS, GLONASS, BDS
NFC: Yes
Radio: No
USB: microUSB v2.0, USB Host
233 total views, 1 today


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Samsung is reported to be about to announce the SGH-i740 smartphone. A full screen smartphone based upon a touchscreen interface, the new handset is reported to be based on the Windows Mobile 6.1 operating system running at 624Mhz.
The screen will measure 2.8in and is rated at QVGA. A built-in camera is apparently to be included too, rated at 3MP. Other features that will be included are GPS and a FM radio.
According to both the Idnes.cz and Slashphone websites, this new phone will not be particularly expensive and will be positioned as an entry level smarthphone. As such, however, the new design does not include 3G or WiFi.
Other known features include Bluetooth 2.0 for external connection plus USB 2.0. The chassis will be sized at 107 x 59 x 13.8mm and a specially designed dial-pad navigation button will be set in the middle.
Click to read the Slashphone story


text: Show Hide image Politics 20 March 2012 Apple announces $45bn payout The company will use some of its cash pile to pay dividends to shareholders and buy back $10bn of sh Sign up for our weekly email * Apple announced yesterday afternoon that it would use some of its enormous cash pile to begin to pay dividends to its shareholders, as well as to buy back $10bn of shares. The company currently has just under $100bn in cash and securities, and if it didn't do something with it, Moody's predicted that by the end of this year, it could represent 12 per cent of all corporate cash and three times as much as the next biggest holder of cash, Microsoft. The problem the company had was that it didn't really know what it could do with the money. It had enough to buy many of its competitors outright, and enough to secure exclusive supplies of any components it needs with up-front cash deals, and yet its pile of money carried on growing. The deal as announced would involve the company paying a quarterly dividend of $2.65 per share -- a yield of 1.76 per cent at the prices as of the close of markets -- as well as buying back $3.33bn of shares a year for three years. The company explained the latter move as an attempt to counteract the dilution that employee stock options created. The share yield is relatively low, but that metric is a function of share price which is out of Apple's hands (indeed, the company's shares rose by 2.65 per cent on the news); in pure value, the dividend is likely to be the second largest in the world, only beaten by AT&T. Therein is the curious thing about the news. Dividends are, usually, the act of a company in stagnation -- or, to remove the normative element of that description, a company that has hit its stride. You only return the money to shareholders if you have nothing better to be doing with it. Normally, that occurs when one has grown as far as possible, and profit can't be usefully reinvested; in the case of Apple, it seems to be that the growth is so fast that there is genuinely no point in holding on to the cash. Even after the payout, the company will still experience a growth in its cash pile every quarter from now to the end of 2012. One small reason for the action can be found in a rare political play from the company. $64bn of the cash it holds is foreign money, in overseas bank accounts -- it sells an extraordinary amount of phones, computers and iPads outside of America, of course. The American tax code, however, only treats as taxable income held domestically. As a result, to repatriate that money -- which it would have to do to include it in the dividend -- would result in America's 35 per cent corporation tax being levied on it. The company used its conference call to push for a tax holiday of the sort that George Bush created in 2004, when for a year money repatriated was taxed at only 5.25 per cent. In the near future, that looks unlikely. Corporations can wait, however, and one day a Republican will be elected again. "In a funny way," writes Matt Yglesias, "the fact that a tax holiday might happen ends up strengthening the case for doing a tax holiday." Subscribe from just £1 per issue More


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3001 Newport Drive, Douglas 49406
See more homes for sale in Douglas, MI
This property has been Sold!
06/09/2016 at $341,500
124' of Kalamazoo River frontage (and dock) and short boat ride to Saugatuck, Douglas and Lake Michigan! Perfect vacation getaway/rental or year round home! Custom built/one owner 3 BR, 2.5 BA, 1770 sq ft, nearly 1/2 acre lot, WO basement just 1.7 miles from downtown and all the galleries, shops and restaurants! Light & bright, the open floor plan design has a huge living room w/ fireplace, built-ins and dining options that include kitchen eating area, formal dining space and alfresco on the maintenance free deck overlooking the water and wildlife. Kitchen w/ built-ins and charming views of creek. Master ensuite w/ 4 closets and w/ walk-in tile shower. Laundry w/ 1/2 BA, 2 bedrooms + full bath hosting a 1906 bathtub and antique dresser-turned-vanity w/ custom marble countertop. Call Now!
Property Information
- Status
- Sold
- Address
- 3001 Newport Drive
- City
- Douglas
- Zip
- 49406
- County
- Allegan
- Township
- Saugatuck Twp
- Possession
- Total Finished SqFt
- 1,770
- Above Grade SqFt
- 1,770
- Garage Desc.
- 2, Attached
- Waterview
- Waterfront
- Waterfront Desc
- All Sports, Dock, Private Frontage, View
- Waterfrontage
- 124.0
- Body of Water
- Kalamazoo River
- Water
- Well
- Sewer
- Septic System
- Year Built
- 2001
- Taxes
- $2,880
- Association Fee
- $Annually
Rooms and Land
- MasterBedroom
- 14X15 1st Floor
- Bedroom2
- 11X10 1st Floor
- Bedroom3
- 10X11 1st Floor
- Bath
- 10X8 1st Floor
- Dining
- 10X8 1st Floor
- FormalDining
- 12X11 1st Floor
- Kitchen
- 12X13 1st Floor
- Laundry
- 8X10 1st Floor
- Living
- 18X21 1st Floor
- Basement
- Full Basement, Walk Out
- Cooling
- Central
- Heating
- Forced Air, Propane
- Acreage
- 0.49
- Lot Dimensions
- 108x202x124x232
- Appliances
- Dishwasher, Microwave, Oven, Range, Refrigerator
- Fireplace Desc.
- Gas Log, Living
- Features
- All Window Treatments, Ceramic Floor, Garage Door Opener, LP Tank Owned, Laminate Floor
- Exterior Materials
- Vinyl
- Exterior Features
- Deck(s), Patio, Porch(es)
Listing Video for 3001 Newport Drive, Douglas MI 49406
Mortgage Calculator
Listing Broker
Listing Courtesy of Keller Williams Realty Holland
Office Address 363 Settlers Rd
Listing Agent Wendy J Holstege
Listings last updated: . Some properties that appear for sale on this web site may subsequently have been sold and may no longer be available.
Our Michigan real estate agents can answer all of your questions about 3001 Newport Drive, Douglas MI 49406. Real Estate One, Max Broock Realtors, and J&J Realtors are part of the Real Estate One Family of Companies and dominate the Douglas, Michigan real estate market. To sell or buy a home in Douglas, Michigan, contact our real estate agents as we know the Douglas, Michigan real estate market better than anyone with over 100 years of experience in Douglas, Michigan real estate for sale.
The data relating to real estate for sale on this web site appears in part from the IDX programs of our Multiple Listing Services. Real Estate listings held by brokerage firms other than Real Estate One includes the name and address of the listing broker where available.
IDX information is provided exclusively for consumers personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.
All information deemed materially reliable but not guaranteed. Interested parties are encouraged to verify all information. Copyright© 2017 MichRIC LLC, All rights reserved.


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Healthcare costs are galloping and health insurance, the supposed solution, is getting too expensive, erratic and unreliable. What are the options available for a customer?
Yesterday (see: http://moneylife.in/article/76/10275.html) we had seen how for middle-class Indians, the cost of decent healthcare has been galloping at the rate of 20% per annum, more than three times the general inflation level.
We now explore the various options available to a customer and related issues.
What to buy
Working out the optimum health cover that you may need is the biggest challenge. It varies from person to person and depends on your age, lifestyle and family health history. Ideally, it must also take into account inflation of healthcare costs - around 10%-12% today. For instance, a Rs4-lakh policy would cover a bypass surgery today, but treatments such as chemotherapy, neurosurgeries or dialysis would cost more. A 30-year-old, buying a policy today, must work out what he is likely to pay a decade later, when he is more likely to suffer a major illness.
As against this, Mr Sampathkumar of New India Assurance, says, "70% of our policyholders have only a Rs1-lakh sum assured." The problem is that Indians start looking for mediclaim when they are in their mid-40s. This is partly because of the worry that even a lifetime of payments does not guarantee that your insurer will give you uninterrupted cover and cashless facility as a senior citizen.
Health insurance carries complex policy conditions and so one has to get information about past customer experience including overall company history, claims settlement history and service levels experienced. Experts suggest that one should opt for insurance companies that make the least changes in their terms and conditions, hospital lists, and premium charts. Also, in India, as of now, the track record of consumers is not transferable across companies; hence, it's important to choose a suitable insurer the very first time.
There are quite a few important parameters you must focus on while comparing health insurance policies. They are: the limits on certain treatments, waiting period for specific diseases/illnesses, waiting period for pre-existing diseases, room rent limits, claims loading, maximum age, network hospitals, day-care treatments, other sub-limits, medical check-up age, pre- and post-hospitalisation costs, etc.
Read the Fine Print
It is important to read and understand policy details to know what is covered and what is excluded. Many policies do not cover pre-existing ailments and conditions arising from them; in some policies, pre-existing diseases are covered after four years. Most policies have a cap on the age of entry for availing a policy. Then there are permanent exclusions like AIDS, cosmetic surgery and dental surgery and temporary exclusions like cataract and sinusitis, which are not covered in the first year but covered later.
Experts who we relied on for this report said, "Currently, among private players, Bajaj, ICICI Lombard, Apollo Munich, Star Health & Max Bupa have a good record of managing various health insurance deliverables." Apollo Munich, Star Health and Max Bupa, which are exclusively in the health segment, have come up with innovations.
Before you choose a particular plan, beware of cheap plans and plans from new players. Almost all companies offering low premium are new ones struggling to gain market share. It is important to remember that their prices are subject to change on renewal without consultation with the customer-as happened with Reliance General which was first reported in Moneylife. The true test of the reliability of new players will be two or three years later - when the claims commence.
Beware of Loading
While choosing a plan, ensure that there is a fair principle behind loading. Loading is the amount charged by the health insurance company on your renewal premium when you make claims on your policy. There are different ways in which loading is calculated by companies: loading for every year of claim; loading dependent on the amount claimed; loading dependent on the claims ratio; loading on certain pre-existing diseases; loading on the age of the person. Max Bupa is one of the few companies which says that, it does not load the policyholder premium because of the claims submitted during the year. Dr Damien Marmion, CEO of Max Bupa, told Moneylife during a press conference that they did not want to give customers the wrong impression, that they cared more about the money than the people, by giving discounts for no claims or loading after claims. Max Bupa has premiums that depend on the age of the person and the location, rather than discounts for claim-free years or loading for claims. In essence, select a policy with a clear method of calculating the loading. Other things being equal, companies that do not have loading as part of their policy are the best. Other than that, select a policy from a company where the loading remains constant, irrespective of the amount, and which is withdrawn after some claim-free period - like Oriental's Happy Family Floater. It is risky to buy a policy where loading is calculated on the basis of the claims ratio as it is going to weigh heavy on your pocket after a claim, for even minor hospitalisation will result in a very high claims ratio.
Group versus Individual
Since group mediclaim policies, typically, cover pre-existing illnesses as well, those who are employed may feel like avoiding buying separate individual cover, since paying an insurance premium would be an additional expense. This may not be a wise thing to do. The employer group mediclaim ceases, once the individual switches jobs or retires. The individual switching jobs may bank on the group cover offered by the new employer, but retirees have no such luxury. Worse, it would be difficult to obtain an individual cover at an advanced age. While group insurance does cover pre-existing illnesses, the individual policy would come in handy once the waiting period ends, or post-retirement, thus ensuring continuous coverage for the insured. If a separate policy seems unaffordable, you could opt for a top-up plan.
Critical Illness Policy
This is offered by life insurers and non-life insurers. If your family has a history of serious ailments, or your lifestyle is stressful, you could take a critical illness plan. Even otherwise, with the increased stress and strain of modern life and an unhealthy and sedentary lifestyle, most of us are becoming increasingly prone to serious illnesses such as cancer, coronary heart disease and stroke. If a critical illness occurs, the company pays the entire sum insured. Advances in modern medicine have made it possible for most of us to survive these illnesses. But it could yet result in the loss of a job or inability to manage one's business and, therefore, a loss of income. In such cases, critical illness cover pays a lump-sum benefit, also helping to protect the person's lifestyle.
Most life insurers have long offered these covers as riders. (Riders are covers for additional risks that also enhance the existing risk cover). These days, these critical illness covers are also being offered as stand-alone policies by non-life insurers, to cover the risk of specific kinds of critical illnesses such as, say, cancer.
According to Mr Sarnobat, director of Medimanage, "Generally, in India, 'critical illness' is sold as a rider by a life insurance company. The sum assured is dependent on the sum assured for life insurance. It could be 100%, 50% or some other percentage of the life insurance coverage as set out in the policy. However, this can also be purchased as a stand-alone contract from a non-life insurer."
The benefit of the health package is that if a person already has a mediclaim policy, and also gets a health policy from a life insurance company, s/he stands to benefit doubly. How does this work? For instance, take the case of a person suffering from cancer and the treatment has cost him Rs2 lakh. He could claim the money against the mediclaim (Rs2 lakh) as well as the health policy benefit from the life insurance company of which he is a customer (another Rs2 lakh). Thus, he will get a total Rs4 lakh, compared to a person who has mediclaim of only Rs2 lakh.
According to Mahavir Chopra, head of e-business at Medimanage.com, "It might well be in the future that people live longer; but they are bedridden, or suffer one or another chronic illness. With lifestyle ailments growing among younger people, loss of earnings and high treatment costs for major ailments are a risk. This product helps in providing a lump sum benefit to financially mitigate such a risk." It must be mentioned, however, that only diagnosis of a critical illness like cancer, may not be enough to trigger payment of the policy, if the condition is not life-threatening. Other conditions that might be included are a minimum number of days of illness for a policyholder to make a claim, or a specific period for which s/he must survive after diagnosis. {break}
A few things to remember…
1. Act in good faith: Like any other insurance policy, a health insurance policy is a contract between you the buyer and the insurer, issued in good faith. And, if you fail to make any disclosures required by the insurer at the time of the issuance of the policy, then the policy will not be in force. For example, many insurers ask you questions about your present health before issuance of a policy. If you suffer from heart disease and do not disclose this to the insurer, your insurer will not cover any expenses you incur for treating your heart condition.
2. Coverage: Decide which members of your family need to be part of the health insurance policy - you might find splitting policies to be beneficial.
When buying for a family, check multiple options. Sometimes it's beneficial, from a cost perspective, for the oldest member of the family to have a separate policy. Usually, all insurance companies offer coverage for you and your spouse and up to three children under one policy. Some policies also give coverage for dependent parents in the same policy.
3. Exclusions: Read the list of exclusions of the health insurance policy - both permanent and first-year. Exclusions define the ailments and the conditions for which health insurance coverage will not be valid. For example, a common permanent exclusion is cosmetic surgery. A common first-year exclusion is cataract surgery; it is covered from the second year onwards. Also, check all the details of the expenses that will be reimbursed, e.g., diagnostic and medication costs might not be covered under all health insurance policies.
4. Hospital Network: Check the network coverage of the TPAs being employed by the health insurance company. Ensure that the hospitals near your residence as well as the hospital where you seek regular or specialist treatment is part of the hospital network.
5. Cashless: Check whether the insurer facilitates cashless settlement of claims. You might have a preference for a specific doctor or hospital where you might have been seeking treatment in the past or have a pre-existing relationship. This doctor or hospital should ideally be a part of the insurer's network of hospitals for cashless settlement of expenses.
6. Caps: Due to rising costs of healthcare, many insurers have quietly enforced sub-limits or caps for various kinds of expenses. Check whether there is a maximum amount each plan will pay for a specific expense and if there are any sub-limits on specific expenses.
7. Keep Cash: Always keep some cash aside for medical emergencies as health insurance might not cover 100% of the costs. In many cases, you might end up seeking the costs as reimbursements.
8. Housekeeping: Ensure that all your medical records and supporting documents, including health insurance cards, are kept safely in an easily accessible place known to all your family members. After all, you or your family should not be running around to take care of paperwork when your immediate priority is to get medical care. Ensure that everyone in the family knows the network hospitals near your home covered under the health insurance policy. Storing their phone numbers on your mobile emergency call list would be very helpful.
National Insurance, Bajaj Allianz, ICICI Lombard, HDFC Ergo, Tata AIG General and Iffco Tokio General, offer a critical illness product. Bajaj Allianz and HDFC Ergo charge the lowest premium while National Insurance charges the highest.
Hospital Cash Benefit
A mediclaim policy reimburses only the expenditure incurred in the actual treatment of the disease/illness in hospital. It does not cover expenses such as travel, attendant's lodging, loss of income (for both the patient and/or the attendant), pre-hospitalisation diagnostic tests, medicines and more. Such expenses could amount to as much as 30%-40% of the total cost of treatment. A hospital policy takes care of these expenses. It acts as a supplement to the health insurance policy. Basically, you get a daily allowance for every day spent in the hospital.
Personal Accident Policies
These are issued as fixed benefit policies, whereby specified sums are paid on the occurrence of specified events. These events could be disability or death. The payout is not related to the expenses incurred. Make sure that the policy you buy includes coverage against acts of terrorism. This is available as a rider with life insurance, but you can also buy it as a separate policy from a non-life insurer.
Fali Poncha, India's leading expert in general insurance, says, "We have the cheapest personal accident cover in the world. The same cover overseas would cost 20 times more. The maximum that one would pay for personal accident insurance in India, for someone engaged in sedentary work, would be Rs110 for Rs1-lakh cover." This is true for death plus permanent total disablement which has a minimum sum assured of Rs5 lakh. Premiums are in the range of Rs248 to Rs441.
Unit-linked Health Plan: Out of the premium paid, a part goes towards medical coverage and the rest of it is invested in stocks and bonds. Avoid this. Moneylife's stand is not to combine insurance with investment, especially in the matter of health coverage.
Family Floaters: A floater policy is issued with a single sum insured that covers a number of individuals. Simply put, it is a one premium and one policy for all the members of a family. The cover can be used for any member of the family any number of times, subject to the total cover. Most family floaters have an upper age limit of 55 or 60 years. Moreover, coverage of children under the policy ceases when they reach 25 years of age. Therefore, a family floater is more suitable for a young family.
Annual Renewal
Most health insurance plans are available on an annual basis only. Timely renewal of your health insurance policy is of utmost importance. It is not a one-time buy, but an annual expense that you must budget for. And, like you do not leave your car without an insurance cover even for a day, you certainly cannot afford to be without health insurance for a single day. But, unlike car insurance, you don't get a no-claims bonus if you switch your insurer; your record with your insurer is not transferable. Also, every insurer provides discounts or bonuses for customers who have a claim-free year. Understand these features and take full advantage of them. While renewing, review your coverage amount keeping in mind the relative health of family members and any birth or death in the family.
Companies like Max Bupa, Star and Apollo Munich are offering guaranteed life-long renewal. But we will have to wait and see whether such a guarantee will be honoured. Moreover, they don't specify at what rates renewal would happen as the years advance. After all, the business is bleeding now. Who knows what will be honoured decades from now and at what cost. In the past, insurance companies have denied renewals. This led to huge debates, for years, as to whether an insurance company could, on its own, choose whether or not to renew a policy. The Supreme Court has ruled that government insurance companies cannot refuse to provide policies to those suffering from pre-existing diseases. It has also asked IRDA to frame suitable guidelines to ensure that public sector as well as private insurers do not deny medical insurance to people. IRDA has already issued a guideline (in the context of senior citizens, but it will logically apply to all) that any proposal for health insurance which is denied on any grounds, should be made in writing with reasons furnished and recorded. The regulator has further provided that such reasons should stand the scrutiny of reasonableness and fairness. On paper, no PSU insurer should deny your policy renewal.
Making Claims
More than buying the right insurance, making claims is becoming a major area of difficulty for consumers. Troubled by high claims following undisciplined policy selling, insurers have gone to the other extreme. Now they are rejecting claims on the slightest pretext. So, you must strictly follow the insurer's norms when making a health insurance claim, otherwise the settlement of the claim could be delayed or rejected. Read the fine print and understand the process of making a claim thoroughly from the agent or broker. Ensure that your family members also understand the process, in case you are the one who is afflicted.
Key Issues To Remember
Documentation: Every insurer specifies the documents to be submitted at the time of making a claim. This includes providing original documents like the final bill with a detailed break-up; the original and complete discharge card mentioning the duration of ailment; original investigation reports with corresponding prescription/request; and pharmacy bills, along with the claim forms signed.
Time Limit: Usually, the claim must be submitted within 30 days of the patient's discharge along with necessary documents. The time limit varies from insurer to insurer, but is being shortened. Oriental Insurance offers a time limit of just seven days, in certain cases.
According to Rohan Dukle, director of Magus Corporate Advisors, policyholders are often careless on the claims aspect. Some of the common problems that he has noticed are:
Note that insurers are adding a lot of items in fine print in order to survive. These relate to a cap on expenses, minimum waiting period, documentary support, service charges, and so on. For instance, there are policies which not only cap/limit your room rent, but they may also cap/limit the full claim, Mr Dukle explains.
For example, if your policy is for a sum of Rs2 lakh, with 10% room rent limit, this makes you eligible for a room rent of Rs2,000 per day. Now, if you are admitted to a hospital room that costs Rs4,000 per day (but your policy entitles you to only half that amount), not just the room rent, but your entire claim payment could be reduced by half. The argument is that on a higher room rent, the costs of procedure and doctors' charges increase proportionately, inflating the hospital bill. If you are not very careful, these conditions could easily be used to reject your claim. This leads us to the final issue. What happens when you have a complaint, especially if your claim has been rejected or the claim payment has been reduced?
Grievance Redressal
In health insurance, claims can be argued by both sides. Forced to defend their bottom line, insurers could cut, reject or deny your claims outright. On this, you can approach the insurer's grievances cell. If you are still not satisfied with how they have treated you, you can approach the grievance redressal cell (155255) of the IRDA.
This cell has been specifically set up to look into complaints from policyholders. You can also go to the insurance ombudsman. There are other forums - like the consumer courts and the civil courts - that one can approach to seek justice, but they are costly, time-consuming and they could be ineffective. Since insurers know that the redressal mechanisms are ineffective, or may take substantial time before providing relief, they tend to reject borderline claims.
Therefore, there is no option but to be more than careful. Additionally, try to build a nest-egg through long-term investments in stocks and mutual funds. Depending on such mediclaim could turn out to be inadequate for many reasons which have already been described in the article. We know that 'Health is wealth' and 'Prevention is better than cure'. Now, it is the time to act.
(This is the final part of a two-part series)
New Delhi: The government is likely to dilute its stake in seven more companies this fiscal, including 10% disinvestment in Indian Oil Corporation (IOC) in January and Steel Authority of India Ltd's (SAIL) stake sale in February, to meet the target of raising Rs40,000 crore, reports PTI.
The public issue of PowerGrid is expected in the second week of November and of Manganese Ore India Ltd (MOIL) towards the end of November.
That would be followed by Shipping Corporation of India (SCI) in the first week of December, while Hindustan Copper Ltd's (HCL) public subscription would open on the second week of December, according to the background note of finance ministry for the Economic Editors' Conference that began today.
"The department of disinvestment is hopeful of achieving this (Rs40,000 crore) number," it added.
The New Year will begin with the 20% follow-on public offering (FPO) of IOC in January, followed by SAIL's disinvestment in February.
"The follow-on public offering by way of disinvestment of 10% of paid-up equity capital of the company (IOC) in conjunction with issue of fresh equity of equal size by the company is expected to open for public subscription in January 2011," the note said.
The FPO by way of disinvestment of 5% of paid up capital of SAIL in conjunction with issue of fresh equity of equal size of the company is expected to open for public subscription in February 2011.
The stake sale in Oil & Natural Gas Corporation (ONGC) is also under consideration for the current financial year, 2010-11.
Aiming to raise Rs40,000 crore through disinvestment this fiscal, the government has mopped up Rs1,062 crore by divesting stake in Satluj Jal Vidyut Nigam, and Rs960 crore through Engineers India FPO.
Besides, it will raise over Rs15,000 crore from Coal India public issue, which closed last week.
Last fiscal, it had raised Rs23,553 crore through stake sale in Oil India, NMDC, REC and NTPC.
The department of disinvestment is in talks with concerned ministries for finalising the quantum of divestment in PSUs like MMTC, Rashtriya Ispat Nigam Limited, Power Finance Corporation, among others.
ING Life launches new ULIP; Future Generali to launch in-house cell for health insurance clients; IDFC Mutual Fund launches IDFC Fixed Maturity Plan Eighteen Months Series 7; DSP BlackRock MF unveils DSP BlackRock FMP-3M-Series 23; Kotak Mahindra MF floats Kotak FMP 6M Series 10; Reliance MF introduces Reliance Fixed Horizon Fund-XVI-Series 8; Macquarie Finance gets RBI approval for NBFC registration
ING Life launches new ULIP
ING Life Insurance has launched a new unit-linked insurance product (ULIP)-ING Prospering Life which meets wealth accumulation and protection needs of the customers.
The new ULIP comes with a host of customer benefits, including five fund options to choose from, automatic asset allocation and unlimited switches with partial withdrawals free of charge.
The product offers an annualised premium ranging between Rs48,000 and Rs96,000 and is competitively priced against other long-term investment options. The sum assured is an amount 10 times the annual premium at inception for those below the age of 45 and seven times the annual premium at inception for those above the age of 45. The minimum top up premium is Rs5000.
Future Generali to launch in-house cell for health insurance clients
Future Generali India Insurance Company Ltd will launch Future Generali Health (FGH), an in-house cell for servicing health insurance clients from 1 November 2010. Through its in-house cell in Chinchwad, Pune, Future Generali will directly service its health insurance business, gradually replacing third party administrators (TPAs).
The unit will start with a team of 40 professionals. The team will also consist of medicos and hospital management graduates. The entire health vertical of the company, which includes health call centre, underwriting, claims and networking, will operate from this single location.
KG Krishnamoorthy Rao, CEO, Future Generali said "We have decided to directly service our clients through our in-house servicing unit Future Generali Health (FGH)."
This initiative will help Future Generali in analysing high quality data that will contribute towards product development and pricing. Efficient data management capabilities will also help structure tailor made solutions for corporate clients thereby ensuring a combination of excellent service and cost management.
FGH will start with over 1,000 hospitals. The company is also creating a network of diagnostic centres across country for pre-policy check up.
Recently, Future Generali has revised its flagship product, Health Suraksha. It is a hospitalization expenses product with sums insured ranging from Rs1 lakh to Rs10 lakh and the product has plans with coverage and pricing suitable for rural as well as urban clientele.
IDFC Mutual Fund launches IDFC Fixed Maturity Plan Eighteen Months Series 7
IDFC Mutual Fund has launched IDFC Fixed Maturity Plan Eighteen Months Series 7, a close-ended income scheme. The investment objective of the scheme is to generate income by investing in debt and money-market instruments maturing on or before the maturity of the scheme. The scheme will invest 100% in debt and money-market instruments having low to medium risk.
During the new fund offer (NFO), the units will be offered at face value of Rs10 per unit. The scheme offers growth and dividend option. The scheme closes on 29th October. The exit load for the scheme is nil. The minimum investment amount is Rs10,000. The minimum target amount is Rs1 crore. The scheme has duration of 18 months. The scheme shall mature on 3 May 2012.
CRISIL Composite Bond Fund Index is the benchmark index. The scheme will be managed by Anupam Joshi.
DSP BlackRock MF unveils DSP BlackRock FMP-3M-Series 23
DSP BlackRock Mutual Fund has introduced DSP BlackRock FMP-3M-Series 23, a close-ended income schemes.
The primary investment objective of the schemes is to seek capital appreciation by investing in debt and money-market securities maturing on or before the maturity of the schemes. The schemes have duration of three months.
During the new fund offer (NFO), the units will be offered at face value of Rs10 per unit. The schemes offer growth and dividend (payout) options. The schemes open on 26th October and close on 3rd November. The exit load on the schemes is nil. The minimum investment amount is Rs10,000.
CRISIL Liquid Fund Index is the benchmark index. Dhawal Dalal is the fund manager.
Kotak Mahindra MF floats Kotak FMP 6M Series 10
Kotak Mahindra Mutual Fund has launched Kotak FMP 6M Series 10, a close-ended income scheme.
The investment objective of the scheme is to generate returns through investments in debt and money-market instruments with a view to significantly reduce the interest rate risk. The scheme will invest 100% in debt, money-market instruments and government securities having low to medium risk.
During the new fund offer (NFO), the units will be offered at face value of Rs10 per unit. The scheme offers growth and dividend (payout) options. The duration of the scheme is 180 days. The scheme opens on 26th October and closes on 28th October. The exit load for the scheme is nil. The minimum investment amount is Rs5,000. The minimum target amount is Rs1 crore.
CRISIL Short Term Bond Fund Index is the benchmark index. The scheme will be managed by Deepak Agarwal and Abhishek Bisen.
Reliance MF introduces Reliance Fixed Horizon Fund-XVI-Series 8
Reliance Mutual Fund has launched Reliance Fixed Horizon Fund-XVI-Series 8, a close-ended income scheme.
The primary investment objective of the scheme is to generate regular returns and growth of capital by investing in central and state government securities and other fixed income/debt securities maturing in line with the time profile of the scheme with the objective of limiting interest rate volatility.
During the new fund offer (NFO), the units will be offered at face value of Rs10 per unit. The duration of the scheme is 459 days. The scheme offers growth and dividend (payout) options. The scheme opens on 26th October and closes on 27th October. The exit load for the scheme is nil. The minimum investment amount is Rs5,000. The minimum target amount is Rs20 crore.
CRISIL Short Term Bond Fund Index is the benchmark index. The scheme will be managed by Amit Tripathi.
Macquarie Finance gets RBI approval for NBFC registration
Macquarie Finance (India) Pvt Ltd (MFIPL) has received the approval from Reserve Bank of India (RBI) to register the company as a non-banking financial company (NBFC).
MFIPL is a wholly-owned subsidiary of Macquarie Group and will provide a range of financing products and services to clients of the Macquarie Group in India.
Macquarie has a significant presence in India. Its business activities include corporate finance and advisory, infrastructure funds management, cash equities sales and research and private wealth management.
The NBFC registration provides Macquarie Group opportunities to start other businesses in India. Activities that can be conducted by RBI registered NBFCs include leasing, corporate and consumer financing, provision of loans and advances.
Macquarie Group is a global provider of banking, financial, advisory, investment and funds management services.


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Greg Herbst, VP Programmatic Data Solutions
Greg recently joined Bombora as Vice President of Programmatic Data Solutions to help activate their B2B data with data buyers across the globe. He will lead the charge to meet the strong demand for Bombora Intent and demographic data direct for the programmatic buy. He will be working closely with brands, partners and the Bluekai Oracle DaaS, the largest marketing data exchanges, to activate Bombora Data to the agencies, trading desk, DSPs, advertisers, DMPs, social and ad tech companies for many programmatic use cases.
Previously, Greg was Director of Data Solutions for Bizo, where he managed Bizo's highly successful and profitable programs for data partner resellers and data exchanges. Greg also managed many top 50 advertisers, fueling their marketing stack technology solutions, and in turn reaping significant ROIs.
Additionally, Greg assisted Bizo with its national accounts sales teams with data solutions sales initiatives. Greg was instrumental in the creation of new use cases including Site-Side Optimization, Analytics, Custom Modeling, and Programmatic techniques.
Always a data geek, Greg was raised in the banking sector, automating payments and data exchanges between banks dot-coms and enterprises. He has solid experience with data sales and reseller programs in the healthcare and eDiscover markets.


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From OpenWetWare
Atomic Force Microscopy
Atomic Force Microscopy (AFM) uses a cantilever with a sharp probe to scan the surface of a sample. When in contact to the surface interaction, the probe imposes bending to the cantilver, which can be measured using a laser beam that is deflected off of the cantilever.
One mode of the AFM is the intermittent contact mode in which the cantilever is oscillated in a particular resonance frequency. When the probe is in close contact with the sample, the amplitude of the resonance changes and can be measured. This method is what we used due to its ability to measure weakly adhered nanoparticles. Eventually a topographic image can be generated of the specimen. Keep in mind that the lateral dimensions of the particle are influenced by the shape of the probe, but hte height measurement can be well coressponded to the diameter size.
I will be using the Alysum MFP-3D system. See website [1] and probe [2]
- Three switches to turn on: the computer tower key, the lamp switch, and the Herzam raised floor.
- Push E button on Herzam as well.
- When inserting the head of the AFM onto the stage, insert one prong in at a time, with the last prong inserted facing you, thus tilting it in. CAREFUL!!!
- There are a variety of knob discs for which to raise and lower the head on the stage.
- Username: MFP3D password: data
- Make sure both 'ready' icons are on when software started.
- The right monitor can be changed to different channels. Channel 3 = AFM optical camera.
Adjust laser
- Can adjust the laser position along the cantilever.
- For sum: aim for 4-5
- For deflection: aim for 0
- Can use autotune to scan natural frequency.
- The default amplitude we use is 1V.
- Engage Z-voltage.
- Set to 1 V amplitude for when cantilever is free.
- Lower until you see 0.9 V. Close doors, and use only the window door now.
- Continue lowering until 0.8 V. The Z-voltage will now continue to adjust to make sure it stays above 0.8 V. You can lower to watch as the Z-voltage decreases.
- Default settings for scanning: 20 micron area
- Adjust the integral gain, proportional gain, and set point for when you are scanning.
- When you withdraw, use the height knob around 20 spins to make sure it is raised at a high height for the next user.


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BOILING SPRINGS, N.C. – A RBI double by Gardner-Webb senior Collin Thacker to right field with one out in the bottom of the ninth gave the Runnin' Bulldogs a 9-8 victory over Wright State on Tuesday night.
Gardner-Webb (3-6) rallied from an 8-2 deficit to score seven unanswered runs over the final three innings after Wright State (3-4) took early control of the game after a six-run fifth inning.
The comeback effort began in the bottom of the seventh inning as Chandler Redmond hit his fourth home run of the season to lead of the frame, sending the ball over the left field fence. A base knock by Mickey Dugan was followed by a RBI double to right field by Luke Kaesmeyer to trim the deficit to 8-4. Paul Trick followed that with a two-run blast to left field to set the score at 8-6.
In the bottom of the eighth inning, the Diamond 'Dogs led off with another solo home run, this time by Danny Sullivan, who crushed the fourth pitch of his at-bat over the centerfield wall. GWU was able to put runners on the corners after the following two plate appearances, and a wild pitch by Derek Hendrixson scored Redmond from third to tie the game.
Wright State had a chance to score in the top of the ninth, as two straight base hits with two outs put runners on the corners, yet GWU reliever Cooper Devine was able to draw a fly ball from Gabe Snyder that was caught in right field by Corey Howard to keep the game knotted at 8-8 as play headed to the bottom half of the inning.
Howard hit a pop fly to Wright State second baseman Matt Morrow to lead off the top of the ninth, which was followed by a single through the left side of the field by Mason Fox that just passed the outstretched glove of shortstop Kevin Whatley. That brought Thacker to the plate, who drove the ball into deep right field to send Fox across the plate for the game-winning run.
Devine earned the win in relief for the Runnin' Bulldogs, hurling the final 3.0 innings, allowing no runs and just two base hits while fanning three batters. Starter Isaac Campbell lasted 4.2 innings, surrendering seven runs with five strikeouts, including six runs allowed in the top of the fifth with two outs.
Daniel Kreuzer took the loss for the Raiders, allowing the game-winning run in the ninth while recording only one out. Starter Chris Rodriguez tossed 5.0 innings, allowing two runs with five strikeouts.
Gardner-Webb collected 12 base hits throughout the evening, led by Fox (3-for-4, 2B, 2 runs), Thacker (2-for-4, 2B, 2 RBI), Sullivan (2-for-4, HR, 2 RBI), and Mickey Dugan (2-for-3, 1 run).
Wright State had a total of nine base hits, with four players collecting multiple base knocks.
The two teams will meet again tomorrow afternoon at 3:00 pm, two hours earlier than previously scheduled because of potential inclement weather, at John Henry Moss Stadium.


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Depeche Mode to kick off 2013 world tour in Tel Aviv
By Alexandria Sage
PARIS (Reuters) - Depeche Mode, the British synthpop pioneers whose hits "People Are People" and "Master and Servant" cemented their status in 1980s New Wave and beyond, are planning a 2013 worldwide tour to follow the release of a new album.
The band, which has sold over 100 million records since its 1981 debut album, launch the tour in Tel Aviv on May 7, followed by 34 shows in Europe and a leg in North America.
"To be making music for more than half our lives ... it's pretty incredible to still be able to do that," lead singer Dave Gahan told a press conference in Paris on Tuesday.
Dressed all in black, the three members of the band - Gahan, Martin Gore and Andy Fletcher - acknowledged their longevity in the music business while making off-hand jokes about their ages, now 50 and 51.
"I've got some notes here -- memory's not so good," quipped Gahan, who made passing references to his past substance abuse problems and the "ups and downs" of the band, which last toured in 2009-2010.
"Performing onstage is really what it's all about these days," he told the crowd of press and fans. "It's very different from what it was 20 years ago. You get the energy from the performance."
Gore, the band's principal songwriter, revealed little about the upcoming album, their 13th studio album for which Depeche Mode recorded 20 tracks. But he let slip a teaser for fans.
"I think there are three or four songs that are up there with some of the best we've ever done," confessed Gore. Continued...


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Relpax Side Effects
Generic Name: eletriptan
Note: This page contains side effects data for the generic drug eletriptan. It is possible that some of the dosage forms included below may not apply to the brand name Relpax.
In Summary
Common side effects of Relpax include: asthenia. Other side effects include: chest pain, chest pressure, chest tightness, dizziness, drowsiness, nausea, and paresthesia. See below for a comprehensive list of adverse effects.
For the Consumer
Applies to eletriptan: oral tablet
As well as its needed effects, eletriptan (the active ingredient contained in Relpax) may cause unwanted side effects that require medical attention.
Major Side Effects
If any of the following side effects occur while taking eletriptan, check with your doctor immediately:Less common:
- Chest pain or tightness
- difficulty with swallowing
- tightness in the throat
- Chest discomfort
- dizziness
- headache
- nausea
- nosebleeds
- numbness or tingling in the face, arms or legs
- pain or discomfort in the arms, jaw, back or neck
- sweating
- vision problems
- vomiting
- Abdominal or stomach pain
- agitation
- bloody diarrhea
- confusion
- cough
- diarrhea
- difficulty in speaking
- fainting
- fast, slow, pounding, or irregular heartbeat or pulse
- fever
- inability to move arms, legs, or facial muscles
- overactive reflexes
- pain in the arms legs, or lower back, especially pain in calves or heels upon exertion
- pale, bluish-colored, or cold hands or feet
- paleness or cold feeling in fingertips and toes
- poor coordination
- puffiness or swelling of the eyelids or around the eyes, face, lips, or tongue
- restlessness
- seizures
- severe or sudden headache
- shivering
- skin rash, hives, or itching
- slurred speech
- sudden loss of coordination
- sweating
- talking or acting with excitement you cannot control
- tingling or pain in the fingers or toes when exposed to cold
- trembling or shaking
- twitching
- unusual tiredness or weakness
- weak or absent pulses in the legs
- weakness in the arm or leg on one side of the body, sudden and severe
Minor Side Effects
Some eletriptan side effects may not need any medical attention. As your body gets used to the medicine these side effects may disappear. Your health care professional may be able to help you prevent or reduce these side effects, but do check with them if any of the following side effects continue, or if you are concerned about them:More common:
- Lack or loss of strength
- sleepiness or unusual drowsiness
- Acid or sour stomach
- belching
- burning, crawling, itching, numbness, prickling, "pins and needles", or tingling feelings
- dry mouth
- heartburn
- indigestion
- stomach soreness or discomfort
- stomach upset
For Healthcare Professionals
Applies to eletriptan: oral tablet
The most commonly reported adverse events have included asthenia, nausea, dizziness, and somnolence.[Ref]
Transient, dose-related increases in blood pressure (BP) have been observed, particularly in the elderly and among patients with renal impairment, and predominantly increases to diastolic BP. One patients with hepatic cirrhosis experienced a BP of 220/96 mmHg 5 hours after a receiving an 80 mg dose.[Ref]
Common (1% to 10%): Chest tightness/pain/pressure, palpitation
Uncommon (0.1% to 1%): Hypertension, peripheral vascular disorder, tachycardia
Rare (0.01% to 0.1%): Angina pectoris, arrhythmia, atrial fibrillation, AV block, bradycardia, hypotension, syncope, thrombophlebitis, vasospasm, shock
Very rare (less than 0.01%): Acute myocardial infarction, ventricular tachycardia, ventricular fibrillation, coronary artery vasospasm, transient myocardial ischemia
Frequency not reported: Edema[Ref]
Common (1% to 10%): Abdominal pain/discomfort/stomach pain/cramps/pressure, dry mouth, dyspepsia, nausea
Uncommon (0.1% to 1%): Dysphagia, throat tightness/difficulty swallowing, anorexia, constipation, diarrhea, eructation, esophagitis, flatulence, gastritis, gastrointestinal disorder, glossitis, increased salivation
Rare (0.01% to 0.1%): Enlarged abdomen, halitosis, gingivitis, hematemesis, stomatitis, tongue disorder, tongue edema, tooth disorder
Postmarketing reports: Ischemic colitis, vomiting[Ref]
Nervous system
Common (1% to 10%): Paresthesia, dizziness, somnolence, headache, hypertonia, hyperesthesia, myasthenia
Uncommon (0.1% to 1%): Ataxia, incoordination, speech disorder, stupor, tremor, taste perversion
Rare (0.01% to 0.1%): Abnormal gait, aphasia, dystonia, hemiplegia, hyperalgesia, hypokinesia, neuropathy, paralysis, twitching, parosmia
Frequency not reported: Serotonin syndrome
Postmarketing reports: Seizure, cerebrovascular accident[Ref]
Postmarketing reports: Allergic reactions including angioedema[Ref]
Rare (0.01% to 0.1%): Goiter, thyroid adenoma, thyroiditis, breast pain[Ref]
Rare (0.01% to 0.1%): Anemia, leukopenia, purpura, lymphadenopathy[Ref]
Uncommon (0.1% to 1%): Thirst
Rare (0.01% to 0.1%): Increased appetite, weight gain, weight loss[Ref]
Common (1% to 10%): Back pain[Ref]
Common (1% to 10%): Pharyngitis, throat tightness
Uncommon (0.1% to 1%): Asthma, dyspnea, respiratory disorder, respiratory tract infection, rhinitis, voice alteration, yawn
Rare (0.01% to 0.1%): Bronchitis, choking sensation, increased cough, epistaxis, hyperventilation, laryngitis, sinusitis, increased sputum[Ref]
Common (1% to 10%): Sweating
Uncommon (0.1% to 1%): Face edema, pruritus, rash, skin disorder
Rare (0.01% to 0.1%): Alopecia, dry skin, eczema, exfoliative dermatitis, maculopapular rash, psoriasis, skin discoloration, skin hypertrophy, urticaria[Ref]
Uncommon (0.1% to 1%): Abnormal vision, conjunctivitis, eye pain, lacrimation disorder, photophobia
Rare (0.01% to 0.1%): Oculogyric crisis, dry eyes, eye hemorrhage, ptosis, diplopia, abnormality of accommodation[Ref]
Common (1% to 10%): Asthenia, flushing/feeling of warmth, chills, malaise, vertigo
Uncommon (0.1% to 1%): Ear pain, tinnitus
Rare (0.01% to 0.1%): Fever, hypothermia, otitis media[Ref]
Uncommon (0.1% to 1%): Impotence, polyuria, urinary frequency, urinary tract disorder
Rare (0.01% to 0.1%): Menstrual disorder, menorrhagia, vaginitis[Ref]
Uncommon (0.1% to 1%): Abnormal dreams, agitation, anxiety, apathy, depersonalization, depression, emotional lability euphoria, insomnia, nervousness
Rare (0.01% to 0.1%): Amnesia, catatonic reaction, hallucinations, manic reaction, hysteria, neurosis, psychotic depression, sleep disorder[Ref]
1. "Product Information. Relpax (eletriptan)." Pfizer U.S. Pharmaceuticals, New York, NY.
2. Cerner Multum, Inc. "Australian Product Information." O 0
3. Cerner Multum, Inc. "UK Summary of Product Characteristics." O 0
It is possible that some side effects of Relpax may not have been reported. These can be reported to the FDA here. Always consult a healthcare professional for medical advice.
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No technology -- not even Tesla Autopilot -- can be completely safe.
Adam Rifkin stashed this in Self-driving Cars
Stashed in: Engineers!, History of Tech!, @elonmusk, Nate Silver, Tesla, Tesla!, Self-driving Trucks
No such thing as 100% when it comes to technology.
As the company would very much like you to note, self-driving cars are doing better, statistically speaking, than human drivers. Tesla says autopilot was used for 130 million miles worth of driving before this fatal crash. Human-driven cars in the U.S. have 1.08 fatal crashes for every 100 million miles.
Instead, what a car crash and a nuclear power plant have in common is an engineering conundrum shared by many other complex technological systems. You can engineer a system to be safer, but you can't engineer it to be completely safe. It's like casual sex, but with even more moving parts.
The safer you make a technological system — the more obvious, known risks you eliminate — the more likely it is that you've accidentally inserted unlikely, unpredictable failure points that could, someday, come back to bite you in the ass. All the more so because the people operating the system don't expect the failure.
That seems to be what happened in the Tesla crash, based on what we know. A 40-year-old man named Joshua Brown was killed in May on a divided highway when a tractor-trailer made a left turn in front of his car at an intersection and Brown's car didn't stop, perhaps because it read the trailer as a highway sign. Autopilot is programmed to ignore highway signs that hang above the road — nobody wants a car that lays on the brakes in the middle of the interstate.
Autopilot will make mistakes. Humans will overreact.
1000 comments:
Of the million auto deaths each year, half would be saved if they had autopilot.
1000 comments:


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DETROIT -- The NFL season is less than two weeks old and already Detroit Lions defensive tackle Ndamukong Suh is going to be a topic of conversation in the NFL league offices for something he did on the field.
Colleague Adam Schefter reported this morning that Suh will face discipline from the league after being penalized for a low block on Minnesota center John Sullivan during a DeAndre Levy interception return for a touchdown. It wiped Levy's touchdown away and now has left the league questioning Suh again.
There will probably be more attention paid here, too, because this isn't the first time Suh has come under scrutiny for a questionable play. Not even close. It is the third straight season Suh will be a topic of this particular conversation.
He was fined last season for kicking Houston quarterback Matt Schaub in the groin. In 2011, he was suspended for two weeks after stomping the arm of Green Bay offensive lineman Evan Dietrich-Smith.
That might be the bigger issue here than what exactly happened between Suh and Sullivan. Levy, the linebacker on his way to a touchdown off an interception, was already well ahead of the play. But the contact also came in the run of play on a block, which is where there could be some questions.
At the time Suh blocked Sullivan, there was no chance of the Minnesota center catching up to Levy on the play. Levy is a faster player -- a linebacker versus an offensive lineman who had microfracture surgery on the left knee Suh came in contact with in the second quarter Sunday.
That leads to the question of why Suh wouldn't just block Sullivan standing up instead of cutting down low in that particular situation. That said, all of this happened in the fast pace of an interception return.
After the game, Suh told reporters he was aiming for Sullivan's waist, not his knees. If he mistimed his attempt at a block -- and that is always possible -- it could have been incidental and just unfortunate. Watching it over and over, even in slow motion, it is tough to truly tell what Suh's intent was.
The problem is Suh's history. That is potentially where the league could look and why this might not be a one-off conversation for the NFL. It is difficult to give a player the benefit of the doubt when he has created reason to doubt him in the past.


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Freak Storm Wreaks Havoc In Coney Island
As Coney's roving eye, Captain Nemo captures, a tree kills a car not far across from Lincoln High School on Ocean Parkway, as well the front awning of the Coney Island USA Museum entrance.
Unfortunately, the only thing looking like it took a pounding but really didn't were the Thor Equities fences that were supposed to be removed early this Month. They stood up to the winds due to their vast pockets of ripped out holes that have been rotting there since last season's Sumer of Hope 2.0, Thor Equities' style.
The good fortune is that Coney Island wasn't destroyed by the freak strom as it has been by the one company that partially destroyed it though at the same time did help put Coney back on the back as an important place in the borough to be taken seriously which lead to it's coming rennaisance. And as we feature on this blog every year here is a look at a dramatised destruction of Coney. Well, not so dramatised....Welcome to Thorasick Park!


text: 1/05/10 1/05/10 POPSUGAR Fashion Celine Celine, Prada Go For Headless Model Look with Spring 2010 Ad Campaigns January 5, 2010 by POPSUGAR Fashion News 4 Shares Chat with us on Facebook Messenger. Learn what's trending across POPSUGAR. View on One Page Photo 5 of 4 Start Slideshow ADVERTISEMENT () Share This Link Copy What's Your Reaction? Thanks for your reaction Don't forget to share this with your friends! ← Use Arrows Keys → 5 Previous Next Spring 2010 Ad CampaignsOn The Campaign TrailLisanne De JongRasa ZukauskaiteJacquelyn JablonskiValerija KelavaJuergen TellerSteven MeiselCelineCarmen KassPrada


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A lot has happened since my first article on BioSig came out. The company recently raised cash and is targeting an uplist to the NASDAQ or NYSE later in 2016. In April, Abbott Labs agreed to acquire St. Jude Medical, a major player in electrophysiology (EP) with approximately 35% market share. Consolidation remains hot in this segment of the industry. But most importantly, researchers at the Mayo Clinic presented pre-clinical data at the International Dead Sea Symposium (IDSS) demonstrating the utility of PURE EP™ System. Below is a quick update on BioSig, as well as a review of the data presented at IDSS.
Quick Review Of BioSig
I recently came across a presentation by BioSig Founder & Executive Chairman, Ken Londoner, to a group of investors at the Drexel Hamilton Micro-Cap Investor Forum held on May 12, 2016. I'm sharing this because I think it is a very good overview of the company and the opportunities that lie ahead. Unfortunately, it's only an audio presentation, but investors can grab the most recent investor presentation and follow along easily with Mr. Londoner.
Audio presentation >> LINK (22 mins)
May Investor Presentation >> LINK (21 slides)
BioSig Technologies is a Minnesota-based medical device company developing a proprietary technology platform designed to improve the rapidly growing multi-billion dollar electrophysiology (EP) marketplace. The company's leading product is PURE EP™ System, a surface electrocardiogram (EKG) and intracardiac multichannel recording and analysis system designed to assist electrophysiologists during catheter ablation procedures to treat cardiac arrhythmia.
An electrophysiology study (EPS) is a diagnostic procedure performed by a specialized cardiologist, called an electrophysiologist, with the intent to understand the nature of an abnormal heart rhythm. An EPS takes place in an electrophysiology lab, usually under mild sedation. The procedure usually last several hours during which time an immense amount of information is recorded and analyzed. The primary diagnostic signals during an electrophysiology study are electrocardiogram (ECG) and electrogram or intracardiac (IC). This cardiac mapping allows the electrophysiologist to locate where arrhythmias are coming. Once identified, these targets can be eliminated during cardiac ablation.
Atrial fibrillation (AF) is the most common form of complex arrhythmia. The rapid, abnormal firing of electrical impulses causes the atria to quiver or beat in a chaotic (irregular) fashion. This causes the ventricles to pump the blood ineffectively throughout the body. According to the American Heart Association (AHA), an estimated 2.7 million Americans are living with AF. Untreated AF doubles the risk of cardiovascular-related death and causes a 4-5-fold increase in the risk of stroke (source: AHA). According to the U.S. Center for Disease Control and Prevention (CDC), more than 750,000 hospitalizations and 130,000 deaths occur each year in the U.S. because of AF. AF is the underlying cause for 15-20% of ischemic strokes and costs the U.S. an estimated $6 billion in direct medical expense each year.
The primary treatment options for AF include procedures designed to control the heart's rhythm and rate, medications to reduce the workload of the heart, and/or medications to prevent the formation of clots to reduce the risk of stroke. For many patients, pharmaceutical options are not sufficient to control the arrhythmia. In these patients, pacemakers or cardiac defibrillators may be surgically implanted to provide low-energy pulses to the heart to restore rhythm and monitor the heart to prevent sudden cardiac arrest. In the U.S., over 225,000 pacemakers and 135,000 cardiac defibrillators are implanted each year.
However, medications or cardioversion to control atrial fibrillation is not always effective. In these cases, a cardiologist may perform a procedure to ablate the area of heart tissue that's causing the erratic electrical signals in an effort to restore the heart to a normal rhythm. This is done by the use of specialized catheters that deliver radiofrequency energy, extreme cold (cryotherapy), or heat to ablate small areas of the heart, either by isolating or destroying the tissue causing the erroneous signal. This corrects the arrhythmia without the need for medications or implantable devices. However, determining the exact tissue to isolate that is causing the erratic electrical signals is paramount to a successful catheter ablation procedure, hence the importance of cardiac mapping and real-time information during the electrophysiology study.
A cardiac mapping system with low fidelity or high signal-to-noise ratio can result in incomplete ablation of the target area, which results in recurring arrhythmia and the potential for a repeat procedure at some point in the future. A poor signal quality might also lead to longer procedure time, adding cost to the hospital and potential detrimental adverse effects on the patient. For example, recent data published in the Journal of the American Medical Association (JAMA) found that radiofrequency catheter ablation procedures had a success rate of only 46% on the first try. In fact, nearly half of the study population had symptomatic recurrences of atrial tachyarrhythmia and declining quality of life measures within two years of the procedure (1).
- Cutting Out The Noise
High-quality information provided by the recording system is essential for an electrophysiologist to determine ablation strategies during the termination of various arrhythmias. The EP lab is a noisy environment, with significant interference. The slide below is taken from the presentation by Mayo Clinic cardiologist, Dr. Ammar M. Killu, M.D., given to the 13th Annual International Dead Sea Symposium (IDSS) in March 2016. It shows the significant electrical noise and radiofrequency interference that impacts acquisition and display of intracardiac signals.
High-quality information provided by the recording system is essential for an electrophysiologist to determine ablation strategies during the termination of various arrhythmias. The EP lab is a noisy environment, with significant interference. The slide below is taken from the presentation by Mayo Clinic cardiologist, Dr. Ammar M. Killu, M.D., given to the 13th Annual International Dead Sea Symposium (IDSS) in March 2016. It shows the significant electrical noise and radiofrequency interference that impacts acquisition and display of intracardiac signals.
Acquisition of clean signal is fundamental to the diagnosis of arrhythmias. An electrophysiologist needs to be able to clearly visualize the signal in order to treat the patient. Existing systems with restricted dynamic range, low sampling rates, and signal saturation, make it difficult for the electrophysiologist to fully differentiate signal of interest from noise. Notch filters are often used in conjunction with EP recording systems, but they can distort the signal by changing the signal amplitude and appearance. These and other issues can mislead the electrophysiologist to a false interpretation of the intracardiac electrogram.
BioSig's PURE EP™ System is a novel hardware and software platform designed to obtain and display high fidelity, low amplitude signals where existing EP systems fail during an electrophysiology procedure. PURE EP™ System was designed to deliver precise and uninterrupted real-time electrocardiograms and electrograms to assist the electrophysiologist in evaluation during the EP studies and ablation procedures.
And importantly, PURE EP™ System is designed to be used in conjunction with existing EP recording devices, essentially creating a new category within the market where EP labs can add on the platform without the significant cost of replacing or upgrading the expense technology already in place. It is designed to improve the signal and recording so that analysis at previously undetectable levels can be conducted with high accuracy. This is the key to the BioSig investment thesis, as the company is not competing with industry behemoths Boston Scientific, St. Jude Medical, and GE Healthcare, but instead bringing a new product to the market – and EP Information System - that makes interpretation and visualization of challenging signals possible.
- In Vivo Data
PURE EP™ has been designated a Class II medical device by the U.S. FDA. As such, FDA approval is possible through a 510(k) application. This means BioSig should not need human clinical data as part of the application to the agency. Proof-of-concept and pre-clinical data gathering has already been achieved through the company's collaboration with UCLA Labs and The Mayo Clinic.
BioSig has already initiated a technology development and manufacturing agreement with Minnetronix, an FDA registered and ISO Certified medical technology and innovation company with deep expertise in electronic and electromechanical devices. Management plans to file the 510(k) application in early 2017. The U.S. FDA is expected to make a decision 3-6 months later, which should put the company in the position to enter the large and rapidly growing EP market by the end of 2017. CE Mark in Europe should follow in 2018.
At the 13th Annual IDSS meeting in March 2016, researchers from the Mayo Clinic presented pre-clinical data from three canine studies comparing BioSig's PURE EP™ System to a traditional FDA cleared recording system, System-A, which was later revealed to be CardioLab by GE Healthcare, the market leader in this area with 50% share. Analysis of the two systems was done head-to-head, simultaneously, in real-time. The following slides are taken from Dr. Ammar's presentation:
Slide-1: This slide shows the output of mapping on the pulmonary vein. Notice how much less noise is inherent in the PURE EP™ System signals versus System A. This is because PURE EP™ System records the data in the raw (unprocessed) form and then applies any filter the physicians choose. Older systems process the data as they record it, potentially distorting the output during the procedure.
Slide-2: This slide shows the output of mapping on the papillary muscle. Again, investors can see the clarity difference between the signal output from the PURE EP™ System signal versus System A. Use of PURE EP™ bipolar distal with a high-frequency filter even shows the signal from Purkinje potentials, something not easily visible on System A. Purkinje fibers allow the heart's conduction system to create synchronized contractions of its ventricles. This is likely because the PURE EP™ System proprietary amplifier technology coupled with a higher sampling rate (2,000 per second vs. 1,000 per second) and lower background noise (1µV RMS vs. ~30 µV RMS) than the GE system.
Slide-3: This slide shows the signal from the left ventricle. PURE EP System allows for continuous visualization, System A needs a change of gain as the signal is clipped.
Slide-4: This slide shows left ventricle pacing The PURE EP™ System is able to maintain signal and provide real-time feedback to the electrophysiologist. Notice that System A goes flat for a period of time following pacing is due to saturation of the amplifiers.
Huge Market Potential
According to Global Industry Analysis, the electrophysiology device market will grow at a 12.1% compound annual growth rate, from $2.5 billion in 2012 to $5.5 billion by 2019, making it one of the fastest growing medical device segments. Accordingly, the number of catheter ablation procedures done in the U.S. is expected to grow at 10.5% CAGR between 2012 and 2017. In 2014, there were a total of 260,000 and 600,000 catheter ablation procedures done in the U.S. and worldwide, respectively. Approximately half of these procedures are for atrial fibrillation or ventricular tachycardia. The average price of such a procedure ranges between $20,000 and $40,000 in the U.S.
From a market penetration standpoint, BioSig could see significant uptake of the PURE EP™ system upon commercialization in 2017. As noted above, PURE EP™ is designed to deliver improved signals and information over the existing already installed equipment, making the product a nice add-on to the incredibly expensive systems (~ $250,000 per install) in place at EP labs across the world. There are a growing number of EP labs in the world, with an estimated 3,500 in the U.S. and another 2,000 outside the U.S. It's a relatively straightforward pitch for BioSig, or a potential commercial partner like Boston Scientific, St. Jude (now Abbott Labs), or GE Healthcare that already have sizable share and a vested interest in keeping those very important working relationships with cardiac electrophysiologists.
This creates an obvious exit strategy for BioSig once PURE EP™ is on the market and generating revenues. Deals have been plentiful in this space over the past few years (see below). One has to look no further than the two recent deals that Abbott Labs has done. Abbott acquired privately-held Topera, Inc. for $250 million in October 2014 and St. Jude for $25 billion in April 2016.
Earlier in May 2016, BioSig Technologies raised approximately $4.5 million through a private placement. The company is now well-funded and has plans to uplist to the NASDAQ or NYSE later this year. This should be a major catalyst for investors concerned with buying an OTC-listed stock. BioSig shows none of the signs of an OTC company. The company has a highly experienced management team and one of the most impressive Boards I've seen for a small-cap company.
I think BioSig has a unique opportunity to provide a product that can deliver a meaningful improvement in diagnostic effect and therapeutic outcome in the large and rapidly growing EP market. I like the investment story here because PURE EP™ has the potential to be a highly complementary product to an existing installed base that is dominated by industry behemoths like GE, Abbott, and Boston Scientific. BioSig is developing a credible threat in this space, and that will likely result in a highly lucrative end-game scenario for shareholders.
From a valuation standpoint, BioSig is an estimated 15-18 months away from revenue generation, with peak sales likely five years later based on PURE EP™ system installs. I model that PURE EP™ offers a $650 million cumulative revenue opportunity once launched. Revenue in year five is likely $175 million based on peak system install penetration, with subsequent revenues booked over the next decade following thanks to both hardware and software upgrades and yearly service contracts.
If we apply the industry average EV/Rev multiple noted above to our projected peak sales estimate of $150 million in 2022, and then discount back to present day at 15%, we arrive at a fair market value for BioSig of $212 million. If we assume the industry average EBITDA margin of 28% and apply a similar valuation methodology, only this time using the industry average EV/EBITDA multiple from above, we arrive at a fair market value for BioSig of $217 million. The blended average of these two methods yields a target market value of $215 million. This equates to $10 per share on a basic count.
This article was written by Jason Napodano, CFA of BioNap, Inc.
Please see additional information on our Disclaimer.


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Government of West Bengal has issued a recruitment notification for the recruitment of Medical Officer/Lab Technician through recruitment notification – Government of West Bengal Recruitment 2015 – Candidates who have completed BA, MBBS, BSc, Diploma can apply for the new recruitment notification from Government of West Bengal.
Eligible candidates need not to apply online for this Medical Officer/Lab Technician. Walk in Interview will be held on 08/12/2015at 10.00 A.M. Find more information about the vacancy like Age limit, Selection Process, Qualification, Application fee, How to apply etc can be found below
Company Name : Government of West Bengal
Vacancy Name : Medical Officer/Lab Technician
Educational Qualification : B.A, M.B.B.S, B.Sc, Diploma
Total No Of Vacancy : 13 Post
Salary : Rs – 9,380 – 40,000 /- Pm
Job Location : Haldia
Walk in Date to Apply For This Job : 08/12/2015
Walk in Address For The Job Vacancy : Government of West Bengal , Haldia .
Detail Of Government of West Bengal Medical Officer/Lab Technician Recruitment:
Medical Officer/Lab Technician job position in Govt. of West Bengal (Department of Health & Family Welfare)
Qualification : MBBS from recognized institution
Pay Scale : Rs.40000
Age : 65 Yrs
Medical Officer/05
Qualification :MBBS from recognized institution one year compulsory internship
Pay Scale : Rs.40000
Age : 63 Yrs
Lab Technician/05
Qualification : 10.+2 from a recognized Board/ Institute with Physics, Chemistry and Biology/ Maths DMLT
Pay Scale : Rs.9380
Age : 40 Yrs
District Consultant on Quality Assurance/01
Qualification : MBBS/Dental/ Ayush/ Nursing graduate with masters in Hospital administration with 2 yrs experience
Pay Scale : Rs.40000
Age : 40 Yrs
District Consultant on Public Health/01
Qualification :MBBS/Dental/Ayush/ Nursing graduate with degree/diploma in health management with 02 yrs relevant experience.
Pay Scale : Rs.40000
Age : 40 Yrs
District Consultant on Quality Monitoring/01
Qualification : Degree in Statistics with good academic record from a reputed university
Pay Scale : Rs.30000
Age : 40 Yrs
Facility level Quality Manger/03
Qualification : MBBS/Dental/Ayush/ Nursing/ Life Science/ social Science graduate with one year experience.
Pay Scale : Rs.35000
Age : 40 Yrs
Selection Procedure For Government of West Bengal – Medical Officer/Lab Technician Post:
Written Test on 08/12/2015.
Shortlisted candidates will undertake face to face interview.
Dates are yet to be announced for the final selection
Walk in Procedure For Medical Officer/Lab Technician vacancy in Government of West Bengal:
Walk-in-interview will be held on 4th December, 2015 at 01.00 PM at the Office Chamber of the CMOH & Secretary, DH&FWS, Purba Medinipur. Application should reach to the Office of the CMOH & Secretary. District Health & Family Welfare Samiti. Purba Medinipur, Pin-721636 in a sealed envelope superscribing "Application for the post of ……… on the said envelope within 5 PM on or before 8th December, 2015 positively
Important Dates To Remember :
Walk in date for this job : 08/12/2015
VENUE : Government of West Bengal , Haldia .


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After double mastectomy want implants removed!
- Lianajon
- Last updated: 8 months ago
I had a double mastectomy with breast implant reconstruction 4 years ago. I started having unexplained fluid build up in my right knee 2 years ago and have had 3 knee surgeries since. In the last month I've started to feel sick. My other knee now is swollen along with both my wrists! My blood work all comes out negative. My implants have never caused me any problems but now I'm having second thoughts. I'm in the middle of a huge flare right now and going to get more blood work done tomorrow. I'm getting very close to asking for my implants to be removed ASAP. I'm scared that these implants are toxic to my system.


text:
A realistic NBA 2K14 cyber face for Miami Heat's shooting-guard Ray Allen. See the in game screenshots below.
Filename: png0013.iff
Created by: wilson27
Download: Mega | Mediafire | Box | 4shared
NBA 2K Updates Rosters Mods Patch
Get the latest updates and download rosters, mods and patch for NBA 2K14, NBA 2K15, NBA 2K16 and NBA 2K17


text:
Sleepy Hollow
New York detective Ichabod Crane is sent to Sleepy Hollow to investigate a series of mysterious deaths in which the victims are found beheaded. But the locals believe the culprit to be none other than the ghost of the legendary Headless Horseman.
Rent DVDs for only $4.99 a month.
Movie Details
- Director
- Tim Burton
- Genres
- Horror, Supernatural Horror, Mystery, Fantasy, Blockbusters, Halloween
- Format
- DVD and Blu-ray
- Awards
- Top 100 Thrills nominee
- 2000 Academy Award®
- Best Art Direction
- Best Costume Design nominee
- Best Cinematography nominee
- Ratings
RGraphic horror violence and gore, and for a scene of sexuality
16Common Sense rating Pause for kids 16 & under
DVD details
Blu-ray details
Widescreen Anamorphic 1.85:1Subtitles
EnglishClosed captioned
NoLanguage and sound
English: Dolby Digital 5.1, French: Dolby Digital 2.0 SurroundOther features
Color; interactive menus; scene access; director's commentary; behind-the-scenes featurette; trailer; photo gallery; cast and crew interviews.
Widescreen Anamorphic 1.85:1Subtitles
English, English SDH, French, Spanish (Neutral)Closed captioned
NoLanguage and sound
English: Dolby Digital 5.1, English: DTS 5.1 Surround, French: Dolby Digital 5.1, Spanish (Neutral): Dolby Digital 5.1Other features
Color; interactive menus; scene access; director's commentary; behind-the-scenes featurette; trailer; photo gallery; cast and crew interviews.
Sleepy HollowClose
For Parents
Common Sense Note
Parents need to know that this is a very, very gory movie, with many headless corpses, lots of spurting blood, heads being sliced off and bouncing to the ground, various other murders, a couple of "boo!"-type scares, and of course characters perpetually in peril. The heads all show up eventually, too. There is a brief but non-explicit scene of a couple having sex, several very gross moments, and a scene of torture in an Iron Maiden.
- Sexual Content
- Brief and inexplicit scene of people having sex.
- Violence
- Extremely gory and creepy and scary.
- Language
- Not applicable
- Social Behavior
- Not applicable
- Consumerism
- Not applicable
- Drugs / Tobacco / Alcohol
- Some drinking.
- Age appropriate
- Not an issue
- Depends on your kid and your family
- Not appropriate for kids of the age most likely to want to see it


text:
Remember Me
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Premium Subscribers & members of my network may view my contact information.
I met Filipe in Brazil Telecom for a RBT / LightMedia / Fulltrack Download Portal Deal and can recommend him as highly competent, trustful, very friendly and as a master of his profession.
- Mr. Thomas Patrick Strebel (3/20/08)
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