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Air France-KLM warns of worse to come after virus hits passenger numbers

Air-France KLM warned Tuesday the coronavirus outbreak will hit its business harder in coming months after February passenger numbers fell 0.5 percent overall as flights to China were cut.

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March 10, 2020
Cathay Pacific fined by UK watchdog over massive data breach

Hong Kong carrier Cathay Pacific has been fined HK$5 million by Britain’s privacy watchdog over a huge data leak of more than nine million customers including passport numbers and credit card details.

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March 5, 2020
The economic cost of female genital mutilation

An interactive data tool launched by WHO reveals for the first time the current and future financial cost of health care for women living with conditions caused by female genital mutilation (FGM).

The total costs amount to USD 1.4 billion annually.

The FGM Cost Calculator is being launched on this year’s International Day of Zero Tolerance for FGM. This new tool shows that if FGM were abandoned now the associated savings
in health costs would be more than 60% by 2050. This data, available for 27 of the 30 countries where FGM is practiced, will strengthen the economic argument of community activists, policy makers, programme planners and donors working to end this
human rights violation.

Q&As on the FGM Cost Calculator
Access the FGM Cost Calculator

A human rights violation with economic costs

FGM includes procedures that intentionally alter or cause injury to the female genital organs for non-medical reasons. More than 200 million girls and women alive today have been cut in 30 countries in Africa, the Middle East and Asia where FGM is concentrated.
[1] An extreme form of gender discrimination, it is recognized internationally as a violation of the human rights of girls and women: including the right to health, security and physical integrity and the right to be free from torture and cruel, inhuman
or degrading treatment.

FGM has no health benefits and causes only harm. Women and girls who are subjected to FGM are at risk of both short- and long-term negative health consequences – including for their physical, sexual, mental, and social well-being.

The direct financial cost of treating the negative health complications caused by FGM can span generations, starting as early as childbirth. This puts a significant economic burden on health systems and national budgets, especially in countries with rates
of FGM greater than 10%.

Until now, there have been limited data on the financial costs associated with FGM, making it hard to demonstrate the cost-effectiveness of programmes and policies that can prevent FGM by 2030 – a global priority in the Sustainable Development Agenda.
The new WHO Cost Calculator now provides an economic argument which can be used by those advocating for an end to FGM.

Calculating health care costs of FGM

Users of the new FGM Cost Calculator can choose a country and identify current costs of treating health conditions caused by FGM. Since the tool is interactive, it produces bespoke graphs showing the potential amount of money saved if FGM is prevented
by a selected percentage.

If no action is taken to prevent FGM, it is estimated that related health costs will soar by 50% by 2050, as populations grow and as more girls undergo the procedure.

How it works

The FGM Cost Calculator combines data on health risk associated with FGM, health costs and national FGM prevalence to analyze the economic impact on national health services of treating the consequences of these harmful practices.

Health risk data were taken from a WHO database created for this analysis, pooling all available information from systematic reviews of health consequences of FGM. The following categories were used, each with a biological link to FGM: gynaecological,
obstetric, urological, mental and sexual, as well as the immediate health complications that can result following the cutting.

To be included in the calculator, a health condition needed to show evidence of increased risk when comparing women with and without FGM. It also needed to have a treatment which could be implemented and costed in the health sector.

Health costs were calculated from the WHO One Health Tool and other data. The financial burden of treating selected health conditions was calculated at a national level.

A strong case for investment in preventing FGM

Rates of FGM have declined over the past 30 years, but not fast enough to keep up with population growth. If trends continue, the number of girls and women undergoing FGM will rise significantly in the next 15 years, in turn raising national health care
costs of caring for them.

Additional resources are urgently needed to scale up interventions that can prevent FGM in the future and reduce health complications.

By providing quantifiable numbers on the cost of treating health conditions directly linked to FGM, for the first time, the FGM Cost Calculator can be a crucial tool in building an investment case for a future where no girl or woman is cut.

[1] Female Genital Mutilation/Cutting: A Global Concern, UNICEF, New York, 2016

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https://www.who.int/news-room/detail/06-02-2020-economic-cost-of-female-genital-mutilation

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February 27, 2020
Remarks by Dr Michael Ryan, Executive Director, WHO Health Emergencies Programme at media briefing on COVID-19 on 13 February 2020

Good afternoon everyone and apologies for being late, and apologies too from Dr Tedros, who is just about to land in the Democratic Republic of the Congo where he is following up on important Ebola matters and meeting with President Tshisekdi and many others to look at the future post-Ebola of the health system in Congo.

I’m sure you’ll understand how important a task and mission that is given the last year-and-a-half in Congo and the ongoing struggles in that country to deliver effective healthcare and reduce suffering and mortality from infectious diseases.

Let me start by updating you on the latest numbers.

In the last 24 hours China has reported 1,820 laboratory-confirmed cases, bringing the total to 46,550.

In addition, China reported 13,332 clinically confirmed cases in Hubei province, and crucially, we understand that most of these cases relate to a period going back over days and weeks and are retrospectively reported as cases, sometimes back to the beginning of the outbreak itself.

So this increase that you’ve all seen in the last 24 hours is largely down to a change in how cases are being diagnosed and reported.

So, in other words, in Hubei province only, a trained medical professional can now classify a suspected case of COVID-19 as a clinically-confirmed case on the basis of chest imaging, rather than having to have a laboratory confirmation.

This allows clinicians to move and report cases more quickly, not having to wait for lab confirmation, ensuring that people get to clinical care more quickly, and also allows public health responses in terms of contact tracing and other important public health measures to be initiated.

As you’ve noticed with suspect cases, there have been some backlogs in testing and this is also going to help ensure that people get adequate care and adequate public health measures can be taken.

So we are not dealing, from what we understand, with a spike in cases of 14,000 on one day.

To an extent this is an artefact of the reporting and we are working with our colleagues in China, and our team there are working very hard to see exactly how many days and weeks and how those numbers are spread across those days and weeks.

In the rest of China and the rest of the world, laboratory confirmation for reporting is still required.

WHO will continue to track both laboratory and clinically-confirmed cases in Hubei province.

We’ve seen this spike in the number of cases reported in China, but this does not represent a significant change in the trajectory of the outbreak.

Outside China, there are 447 cases from 24 other countries, and now two deaths. In addition to the death in the Philippines, there is now one more death in Japan.

We have said consistently that we need to be cautious when drawing conclusions from daily reported numbers. I think we were having that discussion yesterday and I think the numbers today speak to that.

We need to be very careful when interpreting any extremes. Be it in incubation period, be it in daily numbers, we must take all numbers into account, we must look at all numbers seriously but we also must try and interpret what those numbers mean and not react directly to the number itself.

The number of countries reporting cases has still not changed and outside the cases on the Diamond Princess cruise ship, we’re not seeing a dramatic increase in transmission outside China.

That is the current picture. We’re still saying to governments around the world that we still have an opportunity to prepare for the potential spread of the virus.

Regarding the Diamond Princess cruise ship, which is currently quarantined in Yokohama, 218 passengers have tested positive for the virus, which does represent the largest cluster of COVID-19 cases outside China.

This morning, I briefed health ministers from the European Union, convened by Croatia, the presidency, about COVID-19 and our teams are working with governments and partners of the European Union to ensure that the latest information is disseminated, that preparations are made and there’s good coordination between ourselves and the European Union and our WHO Regional Office for Europe.

And we very much welcome the strong support from the European Union in supporting countries with weaker health systems and ensuring that other countries have the investment and support needed to prepare for the arrival of the virus.

In terms of the international mission, the advanced team and their Chinese counterparts have now finalized the scope of work and design of the mission and we expect the rest of the international team to start arriving in China over the weekend.

Thank you.

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https://www.who.int/news-room/detail/13-02-2020-remarks-by-dr-michael-ryan-executive-director-who-health-emergencies-programme-at-media-briefing-on-covid-19-on-13-february-2020

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February 27, 2020
Writing a Financial Plan on Your Own

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Like anything in life, you need a plan to succeed. That applies to your personal finance too. No one is completely secure financially unless you have accumulated millions of dollars and decide to live off the nest egg for the rest of your life.

Unfortunately, for most people, they are unprepared for retirement. Financial planning is crucial in reaching your goals of retiring comfortably. But having say that, how does one go about writing a financial plan without any formal education?

Below is a quick step-by-step guide to writing your own financial plan. Of course, a professional financial planner may be able to give you a more comprehensive financial plan but this will be a good step forward in understanding your needs and clearing some stumbling blocks.

1. What Are Your Objectives?

Don’t be afraid to dream – you only live once. Think about the size of the home, the education, your family, etc. Just pen these thoughts down of how you want the future to look like. Once you list down your ideals, remember to factor in mundane issues like kids education, insurance, etc.

Your goals should include:

* Education. Regardless of your age, extra education and training are needed either for a career switch or self-improvement. A lot of people are taking college courses (even with teenagers) or upgrading to an MBA to climb the corporate ladder. Even if college education is out for you, you still have to plan for your children’s college degree, unless you intend to leave them to their own devices.

* Career. What field do you desire to work in? Is it a creative job or a typical 9-5? Or do you want to be your own boss? Do you want to create multiple source of passive income?

* Lifestyle. Is work or family more important? Are you contended with “simpler living?” Do you desire a Porsche or BMW? Do you want to live in a mansion, a seafront house, etc? Do you have expensive hobbies life golf? These all cost money so tabulating the expenses and matching it to your income is necessary to achieve your lifestyle goals.

* Retirement. Don’t forget about retirement. It is a moment when you lose your income. So how do you want to live while retired? Will you downgrade your house, live with your children, or move to a retirement community?

* Insurance. Nothing is certain in life. You need to be insured for worst case scenarios. Every financial plan must have provisions for insurance.

These objectives may seem daunting but they need not be wishful thinking. The actual money set aside could be much less than you think, if effective financial planning is involved.

2. Plan Your Income

Of course, your financial plan isn’t just about your dreams. How are you going to pay for it? I assume you don’t have a sugar daddy, so you should be following a life of employment. Most people have their career path charted in this format – go to college, get a job, work hard up the ladder and retire.

There is nothing wrong race except there is high uncertainty in today’s globalized environment. People change jobs all the time due to layoffs or to seek fresh challenges.

Instead of a day job, you can consider starting a businesses or becoming a freelancer to sell your skills. Business isn’t just for those with money, MBAs or connections. You can start a home business to mange lawn care, making money online with a website or a vending machine business.

Besides becoming your own boss, you can find other income through network marketing or investing.

Investing is efficient in building side income as it is simply growing the money you already have. You can buy gold, stocks, bonds, real estate, etc.

Regardless if you are a business owner or an employee, you should not let your money sit idly under your mattress. Even putting your money into an online savings account is more profitable.

3. Writing Your Financial Plan

At its core, a financial plan is a lifelong budget. You’ll be budgeting not just your next paycheck, but for your entire life. Planning involves knowing how you’ll get there and when you’ll get there. There are no hard and fast rules.

You have to be rational enough to assess your current situation, creative enough to see what is possible, and have the integrity to follow through with the plan. Remember, just because it’s on paper doesn’t mean it will happen – you have to decide to follow through and live up to your goals.

Get started by doing the following:

* Timeline. Establish where you want to be in five years? Ten? Thirty? Fifty?

* Research necessary costs. Your current “bills” plus 5% inflation per year. Don’t forget to factor in life insurance, health insurance, car insurance, etc.

* Research luxury costs. What you “want” to do. Cruises, nice cars, nice house, etc.

* Plan income strategy. For most people, they start with salaries. But don’t forget that your job isn’t your only means of income. Starting a side business, a money making hobby, or even making money online are viable options for extra income.

* Plan Investments. Investing is simply a must to counteract against inflation. You can invest in anything. Just make sure you know what you’re doing, and don’t put all of your eggs in one basket. As you age, financial security should become more and more important.

Try to factor in every cost and possible incomes. Whenever you aren’t sure about the numbers, be conservative. Also, bear in mind that a financial plan is ALWAYS about your goals. It’s not just about the money – it’s about getting what you want out of life. Money is just the tool.

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Source by Barry Ritz

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February 10, 2020
Dating Vintage Jewellery – The Back View

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When I pick up a piece of vintage jewellery maybe a brooch, I almost immediately turn it over. Quite a few times the seller has commented “Its not gold or silver”.

For me this is annoying as that is not what I am looking for.

Gold and silver do not particularly interest me and more often than not I can distinguish fine jewellery at a glance before handling.

So what am I looking for:

First I am looking to make sure the brooch pin or back of the jewellery is intact and not broken/damaged.

Then I am looking to see if there is a signature. With familiarity to various signed vintage costume jewellery pieces, I can now identify who the company or manufacturer is at first look for many pieces, without picking it up and looking at the back. So when you have a spare few minutes take a trip through the vintage jewellery websites and look at the photographs and companies.

If there is no signature – the jewellery’s construction and the findings used can give valuable clues to dating. But more of that in a later article.

Back to the signature. Look at the wording can give valuable clues to dates.

First the name – Exquisite produced jewellery from 1914 until the late 1970s but their signature did not appear until after 1953 (confirmed information from an employer who made the jewellery’s molds) So any Exquisite jewellery with a signature dates to after 1953 to about 1979. Probably more accurately from 1956 but to be confirmed still.

Look up the company to see when they were in production, will give a time span to work on. Most information is available now on the internet and you may be lucky to find when the jewellery was actually patented.

The copy right symbol – the c in a circle mark means it was made after 1955. This was because Trifari won a lawsuit in that year, and everyone followed suit of copy right their designs rather than patenting them.

How is the signature presented – in script, abbreviated, block letters, large capital letter for the first letter of the name then small letters. This can also help to date. Again there are many websites and Yahoo groups that can help. Exquisite, Miracle and Kenneth Lane are just a few that changed their signature and this can date them to when that type of signature was in use.

Pat pending and design numbers are also clues. Pat pending dates to before 1955. Again many sites have lists of patents. Boucher and Sphinx are two companies that used numbers for their designs. With or without the name signature.

So just looking at a signature on a plaque or cartouche can give you many opportunities for dating your vintage jewellery

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Source by Susan C Weaver

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February 10, 2020
Student Loan Debt Clock Is Ticking Away At 1.57 Trillion Dollars On Election Day 2016

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The academic bubble is ready to burst, all the while academics in their infinite wisdom tell us they know best how to run our society and civilization – don’t you find that odd? It seems they haven’t gotten their own house in order, and yet, want our entire country to run like a giant college campus – interesting indeed. These same academics want to tell us how to vote, re-distribute wealth, and how to think – well, I think their day of reckoning is right around the corner – and I fear what’s to come will not be pretty. No, I don’t want to be the one to say; “I told you so.” Surely, there are others with more social media followers who see the reality of the situation to spread that in-your-face slap when the time comes. Okay so, let’s talk shall we?

40% of the student loans are in technical default (90-days in the rears with no further agreement to catch up on payments). That is 583 Billion Dollars in defaulted loans that we may never see payment of. Trust me when I tell you that the College Loan Bubble has burst and is extreme crisis. Why is this allowed to continue? Well, if it stops it will collapse academia, become a huge problem for our Federal Government, add over 1/2 Trillion to our $20 Trillion National Debt, and cause the angst of millennials who the Democrats have all but promised “Free College For All” during the 2016 Presidential Election.

Still, by the time the election is over the Student Loan debt will be 1.57 Trillion Dollars, even though the official figures claim it only 1.2 Trillion which was actually the figure before the start of the 2015 Academic Year.

If you don’t see the enormity of the problem, let’s talk about the auto industry right now. It turns out that the number of “Subprime” auto loan defaults are at another all-time high of 4.5% – Subprime meaning loans made to those without proof of ability to pay or marginal credit ratings, perhaps coming from low-socioeconomic borrowers. Last time this happened the auto industry crashed and needed a big bailout, and we are reaching those same numbers now – and realize this is only 4.5% not 40-50% like the student loan problem.

Scared Yet? Well, it is Halloween 2016 today, and I am, and no, there won’t be any good witches flying in on their brooms to win the next election to use hocus pocus to make this problem go away – indeed, both presidential candidates are likely to see the auto loan problem get worse, as well as the student loan debt problem – not to mention our stock market breaking all-time highs with PE Ratios and major stock market indices records.

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Source by Lance Winslow

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February 8, 2020
Concierge Medicine – Is it For You?

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The last time you called your doctor’s office, how long did you have to wait for a reply? How long do you usually have to wait to get an appointment or wait for a prescription to be called in? When you get to the office, how long do you spend in the waiting room and how much time does the doctor spend with you?

Did you get all your questions answered? How many seconds do you have in the beginning of your appointment to explain your symptoms before you are interrupted? Do the nurses and doctors seem to be more interested in their computers or their charts than they are to you?

If your experiences are like most people, your answers to these questions are not very flattering to the medical profession and to the health care system in general. Most doctors don’t really want their practices to be like this, but they don’t have much choice. They have to have a high volume of patients in order to make ends meet financially. The high volume makes the clinic a very busy place and most patients don’t feel like they get much attention.

In 1996 in Seattle, a doctor named Howard Moran thought there should be a better way to do this. He pioneered the concept of having a lower volume practice with highly attentive medical care provided as a service for patients in return for a retainer fee, much like many attorneys or accountants use. This fee may be in addition to, or in lieu of, the regular office fees that are billed to insurance companies. This concept allows the practice to remain financially solvent while providing better, more attentive medical service to its low volume of patients (usually keeping the patient count down to about one tenth of the number in a typical traditional primary care practice).

Unfortunately, health insurance companies currently don’t pay for this type of service, so that means the patients have to pay this out of pocket, but if the service is good, it may be worth it. Patients who join these practices are encouraged to keep their usual insurance which they will need for visits to other specialists, laboratory testing, radiological testing and/or hospital services if needed.

Many concierge practices offer same or next day appointments, no long waits for appointments or prescription refills, direct access to your personal physician day or night, house calls if necessary, continuing care if hospitalized, complete physical examinations, audiometry screening, cardiovascular and cancer risk screening, more attention to preventive care, unrushed appointments, all questions answered, family meetings if needed, coordination of care with specialists, provision of personal health records on CDs or flash drives, etc., etc.

Depending on the type and number of services that are provided, the flat retainer fee can vary widely from one area to the next ranging from $100 to $20,000/ year, most probably averaging around $1500-3000/year. There were only a few hundred of these physicians a few years ago, but there are over 5000 of them now all over the country. Many of them, but not all, are listed at the main website for the American Academy of Private Physicians – http://www.aapp.org/. Patients may be able to find a concierge physician in their area on this site.

There has been some controversy surrounding some of these practices because some authorities feel the growth of concierge medicine will lead to a 2-tiered medical system in this country – one for the wealthy and one for the not-so-wealthy. Also, with the current shortage of primary care physicians (PCPs), with increasing numbers of concierge practices, the number of PCPs available for traditional offices will be even smaller, and access to care for patients served by those practices will suffer. On the other hand, more medical students may become interested in primary care if opportunities in concierge medicine are available to them when they finish their residencies.

Some of these practices have come under fire from insurance companies who say that concierge physicians are basically providing an insurance plan for their patients without having an insurance license to do so. The practices must therefore be legally and financially structured in such a way that avoids this criticism.

Overall, the concept of concierge medicine provides a good alternative to the currently unsatisfying traditional model of medical practice. The fee may seem high to some, but in most instances, it probably isn’t much higher than the cost of the local cable or telephone bill, or about the same as what a family would spend eating out at a restaurant once a week.

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Source by Greg Warth, M.D.

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February 7, 2020
How to Build a Structured Sales Pipeline

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Following on from my earlier article “Developing a structured pipeline – The Issues” this article describes how to build the all too elusive, structured sales pipeline.

So to recap: what should a structured pipeline report aim to achieve?

Firstly, it should enable you to view each sale in a consistent manner.

Second, it should clearly identify if a sales opportunity has progressed or stagnated.

Thirdly, it should contained a factoring index which will more accurately reflect the true value of the pipeline

Fourthly, it should provide sales and/or company management with a consistent and reliable prediction of business that should be closed in the forthcoming period.

Fifth, it should be simple and relatively easy to complete (salespeople as a breed are poor at filling in reports).

Sixth, it should be focused on numbers rather than opinion.

To build a consistent view of each sales opportunity take the sales cycle in your business and break it down into discrete milestones.

So for example,

– Milestone 1 is a lead or an enquiry who has identified desire to purchase your product or service.

– Milestone 2 to progress the sale you need to demonstrate the product

– Milestone 3 they have the budget to pay for your product

– Milestone 4 you have submitted a proposal

– Milestone 5 you’re on the shortlist

– Milestone 6 you have a verbal order

– Milestone 7 you have a written order.

The next step is to put percentages against these milestones for example,

1) 5%,

2) 10%,

3) 20%,

4) 25%,

5) 50%,

6) 90%,

7) 100%.

This approach allows you to build a factored pipeline i.e. the value of the opportunity time the percentage milestone. Don’t get hung up about whether the percentages should be this or that number what we are building is something that will give you a consistent view across all your sales opportunities and not something which reflects the precise chance of winning per opportunity. The progress of the sale can be shown in any way you like; this could be as a table, a graph, or a set of traffic light colours going from red to green as you move along the sales process. Other information you need is simple the prospect name, if it is a new or existing customer, the value of the opportunity and a projected win date.

By constructing what I have described you’ve gone a long way to getting a grip on your sales performance, you’ve now turned sales reporting into a set of numbers which over time you can analyse. For example you’ll see which sales have stagnated because they wont have moved along the pipeline for a period of time, you’ll be able to identify how overoptimistic you sales force are by comparing the projected win date with the actual win date. Most commonly this is between 3-6 months.

Now that you have a factored pipeline you can start to build up metrics on the relationship between the size of your pipeline and your monthly sales. It also now enables you to look forward because as your factored pipeline rises and falls to will your sales, thus you can act early as soon as you see your pipeline numbers dip.

You’re now at last starting to get some sensible numbers to enable you to plan your business and you have moved from a jolly nice chat to a shorter focused and more effective sales meeting. As the Meerkat would say “simples.”

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Source by Laurence Ainsworth

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February 6, 2020
Concierge Medicine + TeleMedicine = Way To Go!

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More and more doctors are considering adding telemedicine and concierge medicine business models to increase revenue streams and improve patient services. Many are finding that educating patients about the benefits of telemedicine as a cost-effective, hassle-free care delivery model is the best approach to increasing adoption rates.

Armed with smartphones, patients can schedule a same day appointment for both minor and major conditions. Doctors find telemedicine provides opportunities to consult with peers and specialists in the cloud to make faster, more accurate decisions – sometimes life saving decisions, such as identifying signs of a stroke or imminent heart attacks during virtual patient encounters.

Why TeleMedicine?

Telemedicine allows patients access to faster appointments, often immediately or on the same day as the first request. Physicians can spend quality one-on-one time with patients and personalize health care without traveling to an office or clinic.

Doctors can now offer problem-focused visits for everything from a follow up for prescription renewals to highly complicated situations where a patient has multiple medical conditions and many providers. Virtual collaboration makes it more convenient to discuss potential drug contraindication with all providers using a secured digital platform.

Patients can reach their trusted physician from anywhere, anytime, even when they are traveling for business or vacation. There is no need to see another doctor if either is out of town. And, non-emergency issues – colds, dermatitis, ear pain, etc – can often be handled with a short virtual visit instead of waiting for an office visit.

Technology empowers physicians to monitor at-risk patients while giving patients more tools to control blood pressure, glucose levels and other health metrics from the comfort of their homes.

Telemedicine plus concierge medicine provide a dual solution. Patients can speak to and see a trusted doctor every time they have a problem. While virtual visits don't allow doctors to actually listen to the heart or lungs or take a throat swab, it is possible to make a well-informed decision about when to request the patient come in for a visit. Concierge medicine ensures patients have access to a trusted group of provider when an in-person visit is the best answer. The combination is convenient, affordable and provides continuity of care necessary to build patient confidence.

In 2016, more than 15 million Americans participated in remote health care services. The American Telemedicine Association says the numbers are growing. Telemedicine encounters is the wave of the future, and the future is now.

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Source by Ash Metha

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February 4, 2020