Surgeons reattach boy’s three severed limbs

Tuesday, March 29, 2005A team of Australian surgeons yesterday reattached both hands and one foot to 10-year-old Perth boy, Terry Vo, after a brick wall which collapsed during a game of basketball fell on him, severing the limbs. The wall gave way while Terry performed a slam-dunk, during a game at a friend’s birthday party.

The boy was today awake and smiling, still in some pain but in good spirits and expected to make a full recovery, according to plastic surgeon, Mr Robert Love.

“What we have is parts that are very much alive so the reattached limbs are certainly pink, well perfused and are indeed moving,” Mr Love told reporters today.

“The fact that he is moving his fingers, and of course when he wakes up he will move both fingers and toes, is not a surprise,” Mr Love had said yesterday.

“The question is more the sensory return that he will get in the hand itself and the fine movements he will have in the fingers and the toes, and that will come with time, hopefully. We will assess that over the next 18 months to two years.

“I’m sure that he’ll enjoy a game of basketball in the future.”

The weight and force of the collapse, and the sharp brick edges, resulted in the three limbs being cut through about 7cm above the wrists and ankle.

Terry’s father Tan said of his only child, the injuries were terrible, “I was scared to look at him, a horrible thing.”

The hands and foot were placed in an ice-filled Esky and rushed to hospital with the boy, where three teams of medical experts were assembled, and he was given a blood transfusion after experiencing massive blood loss. Eight hours of complex micro-surgery on Saturday night were followed by a further two hours of skin grafts yesterday.

“What he will lose because it was such a large zone of traumatised skin and muscle and so on, he will lose some of the skin so he’ll certainly require lots of further surgery regardless of whether the skin survives,” said Mr Love said today.

The boy was kept unconscious under anaesthetic between the two procedures. In an interview yesterday, Mr Love explained why:

“He could have actually been woken up the next day. Because we were intending to take him back to theatre for a second look, to look at the traumatised skin flaps, to close more of his wounds and to do split skin grafting, it was felt the best thing to do would be to keep him stable and to keep him anaesthetised.”

Professor Wayne Morrison, director of the respected Bernard O’Brien Institute of Microsurgery and head of plastic and hand surgery at Melbourne’s St Vincent’s Hospital, said he believed the operation to be a world first.

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US Senate committee investigates credit card practices

Wednesday, December 5, 2007

On Tuesday, the United States Senate Committee on Homeland Security and Governmental Affairs‘s Permanent Subcommittee on Investigations held a hearing titled “Credit Card Practices: Unfair Interest Rate Increases.” The hearing examined the circumstances under which credit card issuers may increase the interest rates of cardholders who are in compliance with the terms of their credit cards. It was a follow-up to a March 2007 hearing.

Subcommittee Chairman Carl Levin said in his opening statement: “Today’s focus is on credit card issuers who hike the interest rates of cardholders who play by the rules — meaning those folks who pay on time, pay at least the minimum amount due, and wake up one day to find their interest rate has gone through the roof — again, not because they paid late or exceeded the credit limit, but because their credit card issuer decided they should be ‘repriced’.”

Present to testify on behalf of credit card issuers were Roger C. Hochschild of Discover Financial Services, Bruce L. Hammonds of Bank of America Corporation, and Ryan Schneider of Capital One Financial Corporation.

Much of the 90 minute hearing focused on specific cases where interest rates were raised, allegedly because credit scores of the debtor dropped, and not because they were delinquent or otherwise behind on payments. According to Levin, this practice made it so that almost all payments went towards finance charges with almost none toward repaying the principal. This, he felt, is an unfair practice, as the credit card companies were negligent in informing their customers of the rate hikes and the reason for such hikes.

Families find themselves ensnared in a seemingly inescapable web of credit card debt.

The collective credit card debt of Americans totals an estimated US$900 billion. Issuers have come under pressure to disclose their policies in regards to setting fees and interest rates. The US Truth in Lending Act requires that terms of a loan be set forth up front. Fluctuating interest rates on credit cards would, on the surface, appear to violate this act.

Roger C. Hochschild disagreed, arguing that “every card transaction is a new extension of credit … This makes it difficult — and risky — to underwrite, and price, the loan based solely on the borrower’s credit-worthiness at the time of application [for the card].”

Ryan Schneider, agreed: “The ability to modify the terms of a credit card agreement to accommodate changes over time to the economy or the credit-worthiness of consumers must be preserved.”

“Attempts to interfere with the market here … will inevitably result in less credit being offered,” warned Bruce Hammonds. “Risk-based pricing has democratized access to credit,” he added.

All three credit card executives also mentioned an ongoing Federal Reserve System review of credit card rules that already proposes a 45-day notification ahead of any rate changes.

Committee members criticized the industry for varying practices. Included in the criticism was the practice of mailing checks to card-holders, failing to notify applicants that obtaining additional cards could lower their credit score and raise their rates, and “ambushing” card-holders with raised rates.

Ranking minority member of the subcommittee, Norm Coleman said, “families find themselves ensnared in a seemingly inescapable web of credit card debt. They particularly report being saddled with interest rates that skyrocketed on them seemingly out of the blue.”

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Pay Children A Salary; Not An Allowance!

Pay Children a Salary; Not an Allowance!

by

K. Russell

Your family can become your employees and save you tax dollars even if you are a one-person business.

[youtube]http://www.youtube.com/watch?v=cbc5p9xmlLM[/youtube]

Your children can earn a paycheck from you rather than you paying them an allowance. Even home based businesses are allowed to write off (deduct) janitorial services. If you have a home based business hire your children to dust, vacuum and take out the trash. In 2008 you can pay your children up to $5450 tax free to them and you get to deduct that amount as wages from your income. A limitation is that they must be at least 6 years of age. And, if they are family members under 18, they are exempt from payroll taxes and the business is not required to withhold or to pay Social Security and Medicare taxes. In order to audit-proof this aspect of your home-business deductions, use a formal Employment Contract to hire your family members. The wage-rate has to be “reasonable and customary” within your region of the country and within your industry for the type of work being performed in order to qualify. Establishing what is “reasonable and customary” can be as easy as getting an outside company to give you an estimate of what they would charge for the same service and paying your family member a similar wage. The kids (as employees) have to document what they did to earn the money, so have them fill out a simple “work log” with headings like: Date they worked Type of work performed Amount of time spent working Hourly rate you paid them Once they have filled in their ‘work log’ you pay them by check. In order for you to deduct the wages your children earn as a business expense the law requires that you actually pay them but the law does not restrict how that money is used after it’s paid. In 2008 you can pay your children $5,450 which is equivalent to $104.80 per week. Who would pay their kids $104.80 per week for their allowance? Maybe you will now when you see why! OK, you and your children have come up with home-business related “chores” for them to do equaling $104.80 per week. They turn in their ‘work log’ and you pay them by check. Now it’s time to open up an interest bearing checking account for your child in order to deposit and cash payroll checks. Deposit their paycheck every week. When you open a checking account for your child the bank will require it to be a “joint account” since he/she is a minor. Although it’s a joint account only you will be able to make withdraws or write checks on the account since your child is a minor. Then you tell your child, “I will withdraw $10 (for example) out of each weeks pay for you to spend any way you wish, however, the other $94.80 will stay in the (interest-bearing) account to be used by you to pay for your________.” Fill in the blank with words like car, graduation trip, wedding, or whatever you like. Using pre-tax dollars for school supplies and tennis shoes, or pay for cars, trips and weddings saves money out of your budget for such things. Unbelievable! Its true! Its real! And its 100% legal!

Karin has owned a home business specializing in tax preparation for home based businesses for 36 years. Her web site:

Home Business Owners-Reap the Rewards

offers more income tax for home business owners. She highly recommends the book

‘It’s How Much You KEEP, That Counts! Not how much you Make’

for all her clients.

Article Source:

Pay Children a Salary; Not an Allowance!

Police report drug haul seizure worth up to £30 million in Brownhills, England

Monday, December 2, 2013

Police in the West Midlands in England today said nearly 200 kilograms worth of drugs with value possibly as great as £30 million (about US$49 million or €36 million) has been seized from a unit in the town of Brownhills. In what an officer described as “one of the largest [seizures] in the force’s 39 year history”, West Midlands Police reported recovering six big cellophane-wrapped cardboard boxes containing cannabis, cocaine, and MDMA (“ecstasy”) in a police raid operation on the Maybrook Industrial Estate in the town on Wednesday.

The impact this seizure will have on drug dealing in the region and the UK as a whole cannot be underestimated

The seized boxes, which had been loaded onto five freight pallets, contained 120 one-kilogram bags of cannabis, 50 one-kilogram bags of MDMA, and five one-kilogram bricks of cocaine. In a press release, West Midlands Police described what happened after officers found the drugs as they were being unloaded in the operation. “When officers opened the boxes they discovered a deep layer of protective foam chips beneath which the drugs were carefully layered”, the force said. “All the drugs were wrapped in thick plastic bags taped closed with the cannabis vacuum packed to prevent its distinctive pungent aroma from drawing unwanted attention.” Police moved the drugs via forklift truck to a flatbed lorry to remove them.

Detective Sergeant Carl Russell of West Midlands Police’s Force CID said the seizure was the largest he had ever made in the 24 years he has been in West Midlands Police and one of the biggest seizures the force has made since its formation in 1974. “The impact this seizure will have on drug dealing in the region and the UK as a whole cannot be underestimated”, he said. “The drugs had almost certainly been packed to order ready for shipping within Britain but possibly even further afield. Our operation will have a national effect and we are working closely with a range of law enforcement agencies to identify those involved in this crime at whatever level.”

Expert testing on the drugs is ongoing. Estimates described as “conservative” suggest the value of the drugs amounts to £10 million (about US$16.4 million or €12 million), although they could be worth as much as £30 million, subject to purity tests, police said.

Police arrested three men at the unit on suspicion of supplying a controlled drug. The men, a 50-year-old from Brownhills, a 51-year-old from the Norton area of Stoke-on-Trent in Staffordshire, and one aged 53 from Brownhills, have been released on bail as police investigations to “hunt those responsible” continue. West Midlands Police told Wikinews no person has yet been charged in connection with the seizure. Supplying a controlled drug is an imprisonable offence in England, although length of jail sentences vary according to the class and quantity of drugs and the significance of offenders’ roles in committing the crime.

Retrieved from “https://en.wikinews.org/w/index.php?title=Police_report_drug_haul_seizure_worth_up_to_£30_million_in_Brownhills,_England&oldid=2611781”

New method of displaying time patented

Saturday, October 14, 2006

An American inventor has patented a pair of new time formats with a footprint less than 50% of that of conventional four-digit time. The more unusual of the two new formats, called “TWELV”, dispenses with numerals altogether. In place of clock hands or digits, the new clock uses color to convey the hour and a moon image to convey the minute, which moon slowly grows throughout the course of an hour from a narrow crescent to a full-fledged circle.

The second and more approachable of the new formats retains numerical digits to indicate the minute but uses colors to convey the hour.

Early critics question whether the aesthetic benefits of the moon-clock will be sufficient to encourage users to learn the color-based time-telling system. However, the size advantages of the new system may make it particularly suitable for mobile applications, particularly cell phones, wearable computers, and head-mounted displays.

Retrieved from “https://en.wikinews.org/w/index.php?title=New_method_of_displaying_time_patented&oldid=439172”

State Farm Insurance allegedly destroying papers

Tuesday, April 11, 2006

Zach Scruggs, a lawyer for United States Senator Trent Lott, says that State Farm Insurance Company is destroying records related to claims for damage from Hurricane Katrina.

The records allegedly contain information saying that State Farm fraudulently denied insurance claims made by its policy holders, including Lott, that had homes there were damaged or destroyed when Hurricane Katrina came ashore on the Gulf Coast.

Scruggs said that Lott has “good faith belief” that many employees of the insurance company in Biloxi, Mississippi are destroying engineer’s reports that were inconclusive as to whether or not water or wind was the main cause of damage to the buildings affected by the hurricane.

Lott is among thousands of home and/or business owners who had their property damaged or destroyed during the hurricane and had their claims denied because State Farm claimed that their policies don’t cover damage caused by floods or water that was driven by the wind.

State Farm has not issued a statement on the matter so far.

Retrieved from “https://en.wikinews.org/w/index.php?title=State_Farm_Insurance_allegedly_destroying_papers&oldid=1689871”

Home Business Idea For Women

Home Business Idea for Women

by

Long Lee Wee

The women of today are far different from the past century. Women today need to play many roles besides taking care of family members. Many women need to go out to work for contributing income to the family as they are no more full time housewives that only served their husband and kids.

Actually there were many ways for women to pursue a career, which they not necessary required to go out from home and work in other places. Many business opportunities have specially designated for the ease of women by enabling them for earning money and at the same time taking care of their family.

There were few business ideas (as mentioned below) would be helpful for women for challenging themselves for becoming successful home business women:

Home Tuition

[youtube]http://www.youtube.com/watch?v=lq-Mb7S9lkU[/youtube]

Home Tuition is a perfect home based business idea for women as this job required a lot of patience. Women can start recruiting their customers (most is kids) from neighbors and the people they known. From syllabus planning to daycare, women can start this home business career from small scale, probably teach three to five kids in one class and running one or twice in a day. Sooner or later class size will increase and the income earned from this business is unlimited.

Online Home Business For Women

There were many ways to earn money from the internet, and women can create their own Women Home Based Business Hub by integrating few making money online ideas like make profit through Blog, paid surveys, Affiliate Marketing, setting up an online stall etc. These making money online opportunities can produce unlimited multiple stream of income for women.

Join MLM Network

Multilevel Marketing might be another good option for women to start their business at home. Followed track record by MLM companies, many housewives has been successfully transformed to a successful Home Business Women as they themselves never think of that before. The beauty part of MLM now is they can be even be acquiring through online, people can sell or introduce their product through online, face to face selling has been decrease and this method definitely make every women much more comfortable for running a business.

Become a freelance Writer

Another good home business idea for women is to become a freelance writer. Write whatever you know and expert and contributing it to the respective article submission company. Many online article submission companies would love to accept and paid for your article. They will even index your article If the article that you wrote is quality.

Home Pet Daycare Center

Minority women owned business for pets, provided they are the experts in this field. Anyhow, pet business might be another good home business idea for women as taking care of pets also required for a lot of patience.

There were still many home business ideas for women and like I said earlier women will never failed in business as they possessed a lot of patience.

For more Home Business Idea for Women, Please visit:

Home Business Women

Long Lee Wee

Home Business Women

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Home Business Idea for Women

Toothpaste fills cavities without drilling

Thursday, February 24, 2005

A paste containing synthetic tooth enamel can seal small cavities without drilling. Kazue Yamagishi and colleagues at the FAP Dental Institute in Tokyo say that the paste can repair small cavities in 15 minutes.

Currently, fillers don’t stick to such small cavities so dentists must drill bigger holes. Hydroxyapatite crystals, of which natural enamel is made, bond with teeth to repair tiny areas of damage.

Yamagishi and colleagues have tested their paste on a lower premolar tooth that showed early signs of decay. They found that the synthetic enamel merged with the natural enamel. The synthetic enamel also appears to make teeth stronger which will improve resistance to future decay. As with drilling, however, there is still the potential for pain: The paste is strongly acidic to encourage crystal growth and causes inflammation if it touches the gums.

The paste is reported in the journal Nature.

Retrieved from “https://en.wikinews.org/w/index.php?title=Toothpaste_fills_cavities_without_drilling&oldid=440078”

CanadaVOTES: NDP candidate Hana Razga running in Edmonton—Leduc

Tuesday, September 23, 2008

On October 14, 2008, Canadians will be heading to the polls for the federal election. New Democratic Party candidate Hana Razga is standing for election in the riding of Edmonton—Leduc. Born in London, England to Czechoslovakian parents, she immigrated to Canada in 1968, having a long career in human resources with the federal government. She is a volunteer for organizations including the Alberta Women’s Shelter, Big Sisters and Match International. She has previously run in campaigns three times provincially for the NDP, and once federally.

Wikinews contacted Hana Razga, to talk about the issues facing Canadians, and what they and their party would do to address them. Wikinews is in the process of contacting every candidate, in every riding across the country, no matter their political stripe. All interviews are conducted over e-mail, and interviews are published unedited, allowing candidates to impart their full message to our readers, uninterrupted.

Created in 2004, the riding consists of southwest Edmonton, the City of Leduc, the Town of Devon, and the surrounding area. Contesting Conservative incumbent James Rajotte are Razga, Valerie Kennedy (Green), and Donna Lynn Smith (Liberal).

For more information, visit the campaign’s official website, listed below.

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How Do Companies Determine The Auto Insurance Premiums

By Ed Sneineh

Insurance companies use different criteria to rate their auto insurance customers. The main criteria used are the following:

1. Credit Score. Credit score rating is used by certain preferred and standard companies. People with higher credit score will have lower premiums. Actually some companies may sharply increase premiums for auto and home polices with bad credit score, or may even decline insuring them if the applicant was in bankruptcy in the past few years, for example. Insurance companies believe that people with better credit are more responsible, hence they will be more responsible too in their behavior on the road and more responsible in the filing of their claims, if any.

Many people think that credit score pricing is unfair. The truth is that the entire insurance industry can be understood like (legally unfair), an industry that does price discrimination because of applicant’s financial credit, gender, marital status, and age. Discriminating against people and charging them different prices because of their age, gender, marital status is perfectly legal in the insurance business.

Many auto insurance companies that are credit score oriented have created parallel programs to insure people without using their credit score. To cope with the extra risk for not checking their credit, those companies did set a lower liability limits (close to the state minimum) as a maximum for any policy they issue without checking the credit and offered these products with a little higher premiums.

[youtube]http://www.youtube.com/watch?v=U0z7Ab-xJFE[/youtube]

2. Demographics of the Target Market. Some demographic factors are more important than others in determining the price. This includes age, sex, marital status, ages of certain household, geographic location (ZIP), and occupation.

Youthful drivers (widely defined as someone under age 25) and old drivers (over 70 years) pay more money than others. Males under age 25 also pay higher than females of similar age. Married people pay less also. Certain companies may prohibit certain classes of occupations like bar tenders, musicians, entertainers, etc. Driving record, prior insurance history/ experience will also affect the price (people with accidents/ moving violations pay more.) People in particular ZIP codes pay more than others because of bad claim experience for the insurance companies in those ZIP codes.

3. Premium Rating System: There are two widely accepted premium rating systems: Rating by Vehicle Symbol and Rating by Actual Cash Value.

In the event that you are buying a new policy or replacing an existing vehicle with a newly acquired vehicle the result of the transaction may be high or low premiums depending on your company’s way of rating , the symbol of your vehicle and the actual cash value of your automobile.

A Vehicle Symbol is a number assigned by the Insurance Service Office (ISO) to each vehicle. The symbol is determined based on certain factors such as loss experience for that particular vehicle, vehicle size/ weight, wheelbase, body construction, and horsepower. Vehicles with higher symbols have higher insurance premiums. Some companies that utilize their rating based on the Symbol of the vehicle will charge you more if the vehicle has higher Symbol, and less if vehicle has lower symbol. Notice here that a vehicle with a value (ACV) of $15,000 and symbol of 14 will have higher premiums than another vehicle with a symbol of 7 and a value (ACV) of $20,000.

Actual Cash Value method is dissimilar. The insurance premium is usually based on the Actual Cash Value of the automobile (ACV = automobile replacement minus depreciation) . The ACV of the automobile is based on the fair market worth of an average automobile of the same year, make & model sold in the area. When there is a total loss the insurance company will use that dollar value to pay for the claim, but may modify the amount of claim according to given facts like authentic mileage and the physical conditions of the automobile before the loss (automobiles that have double mileage as the average automobiles will have values smaller amount than the ACV.) So for two automobiles that have ACVs of $15,000 and $20,000 the insured will pay more for comprehensive & collision with the 2nd automobile, but liability premiums remain unchanged!

About the Author: Ed Sneineh, insurance professional for over 20 years, former college educator of insurance, and founder of Insurance Navy, a leader in providing auto insurance quotes, Chicago. Visit our website and get your car, SR22 insurance quotes in 5 minutes or less. Insurance Navy represents major carriers such as AAA, Travelers, Progressive, Hartford, and more than 20 other carriers.

Source: isnare.com

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