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http://www.drugnewswire/2757/ June 28, 2006 By DrugNewswire 2003 Study Conducted by LECG Corporation Found PBMs Managing the Medicare Drug Benefit Would Add $30 billion to Program Over Nine Years WASHINGTON, June 28 /PRNewswire/ -- If pharmacy benefit managers (PBMs) were really reducing prescription drug costs for more than 200 million Americans, as their trade association professes, why have dozens of lawsuits been filed against them. The Association of Community Pharmacists Congressional Network urges the public to better understand PBMs convoluted business before they profit more from the Medicare drug benefit (Medicare Part D) and further harm seniors with high drug prices. "Time and time again, PBMs' business tactics financially enrich the PBMs and contrary to their slogans offer no real healthcare savings to patients or plan providers," said Mike James, pharmacy owner and Director of Governmental Affairs, Association of Community Pharmacists Congressional Network (ACP*CN). "PBMs are not cost savers but are playing a shell game with their clients -- hiding the money they make from driving up prescription drug costs at the expense of the patient and, in the case of Medicare the US taxpayers. The savings derived by the Medicare patients are the result of the taxpayers' subsidy, not the PBMs," added James. Over 80% of all prescriptions filled in this country are handled by PBMs, who manage prescription drug plans for federal, state and private insurers and are not regulated. For almost a decade, numerous lawsuits have been filed against PBMs by federal and state governments, private corporations, unions, HMOs and others. Plaintiffs accuse PBMs of engaging in fraudulent or deceptive conduct in failing to pass on savings to their clients, switching patients' medication to earn rebates, or manipulating their mail order pharmacies. The nation's top three PBMs (Caremark, Medco and Express Scripts) are defendants in these cases along with smaller PBMs. Some cases have settled for millions of dollars while others are pending. Below are some examples of cases: -- American Federation of State County and Municipal Employees v. Advance PCS, et al Filed March 18, 2003, this class action against Advance PCS, Caremark, Express Scripts and Medco Health Solutions alleges the top PBMs inflate prescription drug prices by steering health insurers and consumers into reliance on more costly drugs and did not pass on rebates from drug manufacturers to health plans and consumers. -- US Department of Justice vs. Advance PCS September 2005, Advance PCS, now a wholly owned subsidiary of Caremark Rx, second largest PBM in the US, settled with the US DOJ and agreed to pay $137 million to resolve civil liabilities in connection with soliciting and receiving kickbacks from drug manufacturers and paying kickbacks to potential clients to induce them to contract with Advance PCS. -- United States of America v. Merck-Medco Managed Care LLC, et al. April 26, 2004, the United States, 20 state attorney generals and the defendants agreed to a settlement of claims for injunctive relief and unfair trade practice laws. A separate consent order filed by the states instructs Medco to pay $20 million to the states in damages, $6.6 million to the states in fees and costs, and about $2.5 million in restitution to patients who incurred expenses related to drug switching between cholesterol drugs. Much of the litigation against PBMs centers on conflicts of interest which make their business goals unaligned with their clients. Plan providers want to reduce the costs of prescriptions but PBMs can't make money that way. PBMs earn huge profits known as rebates from drug manufacturers for adding the manufacturer's drug to formularies and engaging in therapeutic switching. Therapeutic switching occurs when the PBM switches the patient to the higher priced drug on which it receives a bigger rebate. Allowing PBMs to continue running Medicare prescription drug plans (PDPs) unchecked by government will increase program costs and result in higher drug prices for seniors. According to a 2003 study conducted by James Langenfeld and Robert Maness of LECG Corporation called "The Cost of PBM Self Dealing under a Medicare Prescription Drug Benefit," PBMs would cost the government $30 billion from 2004-2013. The report concluded among other things "because PBMs usually keep as a profit a portion of the rebates they receive, PBMs that are both the plan administrator and the seller of drugs have a financial incentive and ability to favor drugs that pay higher rebates." Since Medicare Part D began in 2006, the nation's top three PBMs, who all sponsor Medicare drug plans, reported increased earnings in the first quarter of 2006. This is evidenced by Families USA report which revealed that virtually all Medicare prescription drug plans raised prices for the top 20 drugs used by seniors over the past 5 months. The report also found the lowest price charged by any Part D plan for all of the top 20 drugs was 46% higher than the lowest price negotiated by the Department of Veterans Affairs. According to Ron Pollack, executive director of Families USA, "... plans are quietly raising the prices that they charge. As a result, seniors will pay more and more as will America's taxpayers." Whenever legislation emerges requiring PBMs to meet their fiduciary duty of serving their clients' interest and not theirs, the industry gives the same hackneyed response "it will increase drug costs." For example the PBMs trade association asserts promptly reimbursing pharmacies for prescriptions would increase Medicare costs $9 billion over ten years. This makes no sense. Paying an invoice on time doesn't cost more money unless a business is trying to pocket money that doesn't belong to it. The American people should demand Congress remove the self-dealing cards from the PBMs' hands so the Medicare drug benefit can truly be a benefit. Otherwise, seniors will likely face even higher drug prices in another 6 months and find fewer community pharmacies to fill their prescriptions. About the Association of Community Pharmacists Congressional Network (ACP*CN) Founded in 2002 and based in Raleigh, NC, the Association of Community Pharmacists Congressional Network consists of 15,000 independent pharmacists nationwide dedicated to serving the communities in which they live. ACP*CN is dedicated to the survival and growth of the independent pharmacy owner, who often times is the only pharmacy operating in rural towns across America, where access to pharmacies is extremely limited. Our network of pharmacists do more than just fill prescriptions, they counsel patients on medication use and many times act as the front line healthcare provider for individuals and families who can't afford or don't have direct access to a doctor. Contact: Crystal Wright 202/829-0848 Source: Association of Community Pharmacists Congressional Network (ACP*CN) buy software cheap oem software

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  Scrums are the most dangerous phase in rugby, since a collapse or improper engage can lead to a front row player damaging or even breaking his neck. — Wikipedia When I was growing up, cholesterol used to be bad for you. It was easy to remember. Fat, bad. Cholesterol bad. Salt, bad. Everything, bad. Nowadays, though, they differentiate between "good" cholesterol and "bad" cholesterol, as if we're supposed to be able to distinguish them somehow. And it was weird when they switched it up on us, because it was as if the FDA had suddenly issued a press release announcing that there are, in fact, two kinds of rat poison: Good Rat Poison and Bad Rat Poison, and you should eat a lot of the Good kind, and none of the Bad kind, and definitely not mix them up or anything. Up until maybe a year ago, I had a pretty one-dimensional view of so-called "Agile" programming, namely that it's an idiotic fad-diet of a marketing scam making the rounds as yet another technological virus implanting itself in naive programmers who've never read "No Silver Bullet", the kinds of programmers who buy extended warranties and self-help books and believe their bosses genuinely care about them as people, the kinds of programmers who attend conferences to make friends and who don't know how to avoid eye contact with leaflet-waving fanatics in airports and who believe writing shit on index cards will suddenly make software development easier. You know. Chumps. That's the word I'm looking for. My bad-cholesterol view was that Agile Methodologies are for chumps. But I've had a lot of opportunity to observe various flavors of Agile-ism in action lately, and I now think I was only about 90% right. It turns out there's a good kind of Agile, although it's taken me a long time to be able to see it clearly amidst all the hype and kowtowing and moaning feverishly about scrums and whatnot. I have a pretty clear picture of it now. And you can attend my seminar on it for the low, low price of $499.95! Hahaha, chump! No, just kidding. You'll only find seminars about the Bad kind of Agile. And if in the future you ever find me touring around as an Agile Consultant, charging audiences to hear my deep wisdom and insight about Agile Development, you have my permission to cut my balls off. If I say I was just kidding, say I told you I'd say that. If I then say I'm Tyler Durden and I order you not to cut my balls off , say I definitely said I was going to say that , and then you cut 'em right off. I'll just go right ahead and tell you about the Good Kind, free of charge. It's kinda hard to talk about Good Agile and Bad Agile in isolation, so I might talk about them together. But I'll be sure to label the Good kind with a happy rat, and the Bad kind with a sad dead rat, so you'll always know the difference. The Bad Heading Back in Ye Olden Dayes, most companies approached software development as follows: - hire a bunch of engineers, then hire more. - dream up a project. - set a date for when they want it launched. - put some engineers on it. - whip them until they're either dead or it's launched. or both. - throw a cheap-ass pathetic little party, maybe. This step is optional. - then start over. Thank goodness that doesn't happen at your company, eh now? Whew! Interestingly, this is also exactly how non-technical companies (like, say, Chrysler) handled software development. Except they didn't hire the engineers. Instead, they contracted with software consultants, and they'd hand the consultants 2-year project specs, and demanded the consultants finish everything on time plus all the crap the customer threw in and/or changed after signing the contract. And then it'd all fall apart and the contractors wouldn't get paid, and everyone was really miffed. So some of the consultants began to think: "Hey, if these companies insist on acting like infants, then we should treat them like infants!" And so they did. When a company said "we want features A through Z", the consultants would get these big index cards and write "A" on the first one, "B" on the second one, etc., along with time estimates, and then post them on their wall. Then when the customer wanted to add something, the consultant could point at the wall and say: "OK, boy . Which one of these cards do you want to replace , BOY? " Is it any wonder Chrysler canceled the project? So the consultants, now having lost their primary customer, were at a bar one day, and one of them (named L. Ron Hubbard) said: "This nickel-a-line-of-code gig is lame. You know where the real money is at? You start your own religion." And that's how both Extreme Programming and Scientology were born. Well, people pretty quickly demonstrated that XP was a load of crap. Take Pair Programming, for instance. It's one of the more spectacular failures of XP. None of the Agileytes likes to talk about it much, but let's face it: nobody does it. The rationale was something like: "well if ONE programmer sitting at a terminal is good, then TEN must be better, because MORE is ALWAYS better! But most terminals can only comfortably fit TWO programmers, so we'll call it PAIR programming!" You have to cut them a little slack; they'd been dealing with the corporate equivalent of pre-schoolers for years, and that really messes with a person. But the thing is, viruses are really hard to kill, especially the meme kind. After everyone had gotten all worked up about this whole Agile thing (and sure, everyone wants to be more productive), there was a lot of face to be lost by admitting failure. So some other kinds of Agile "Methodologies" sprang up, and they all claimed that even though all the other ones were busted, their method worked! I mean, go look at some of their sites. Tell me that's not an infomercial. C'mon, just try. It's embarrassing even to look at the thing. Yeah. Well, they make money hand over fist, because of P.T. Barnum's Law, just like Scientology does. Can't really fault 'em. Some people are just dying to be parted with their cash. And their dignity. The rest of us have all known that Agile Methodologies are stupid, by application of any of the following well-known laws of marketing: - anything that calls itself a "Methodology" is stupid, on general principle. - anything that requires "evangelists" and offers seminars, exists soley for the purpose of making money. - anything that never mentions any competition or alternatives is dubiously self-serving. - anything that does diagrams with hand-wavy math is stupid, on general principle. And by "stupid", I mean it's "incredibly brilliant marketing targeted at stupid people." In any case, the consultants kept going with their road shows and glossy pamphlets. Initially, I'm sure they went after corporations; they were looking to sign flexible contracts that allowed them to deliver "whatever" in "2 weeks" on a recurring basis until the client went bankrupt. But I'm equally sure they couldn't find many clients dumb enough to sign such a contract. That's when the consultants decided to take their road show to YOU. Why not take it inside the companies and sell it there, to the developers? There are plenty of companies who use the whip-cycle of development I outlined above, so presumably some of the middle managers and tech leads would be amenable to hearing about how there's this low-cost way out of their hellish existence. And that, friends, was exactly, precisely the point at which they went from "harmless buffoons" to "potentially dangerous", because before they were just bilking fat companies too stupid to develop their own software, but now the manager down the hall from me might get infected. And most places don't have a very good quarantine mechanism for this rather awkward situation: i.e., an otherwise smart manager has become "ill", and is waving XP books and index cards and spouting stuff about how much more productive his team is on account of all this newfound extra bureaucracy. How do we know it's not more productive? Well, it's a slippery problem. Observe that it must be a slippery problem, or it all would have been debunked fair and square by now. But it's exceptionally difficult to measure software developer productivity, for all sorts of famous reasons. And it's even harder to perform anything resembling a valid scientific experiment in software development. You can't have the same team do the same project twice; a bunch of stuff changes the second time around. You can't have 2 teams do the same project; it's too hard to control all the variables, and it's prohibitively expensive to try it in any case. The same team doing 2 different projects in a row isn't an experiment either. About the best you can do is gather statistical data across a lot of teams doing a lot of projects, and try to identify similarities, and perform some regressions, and hope you find some meaningful correlations. But where does the data come from? Companies aren't going to give you their internal data, if they even keep that kind of thing around. Most don't; they cover up their schedule failures and they move on, ever optimistic. Well if you can't do experiments and you can't do proofs, there isn't much science going on. That's why it's a slippery problem. It's why fad diets are still enormously popular. People want fad diets to work, oh boy you bet they do, even I want them to work. And you can point to all these statistically meaningless anecdotes about how Joe lost 35 pounds on this one diet, and all those people who desperately want to be thinner will think "hey, it can't hurt. I'll give it a try." That is exactly what I hear people say, every time a team talks themselves into trying an Agile Methodology. It's not a coincidence. But writing about Bad Agile alone is almost guaranteed to be ineffective. I mean, you can write about how lame Scientology is, or how lame fad diets are, but it's not clear that you're changing anyone's mind. Quitting a viral meme is harder than quitting smoking. I've done both. In order to have the right impact, you have to offer an alternative, and I didn't have one before, not one that I could articulate clearly. One of the (many) problems with Bad Agile is that they condescendingly lump all non-Agile development practices together into two buckets: Waterfall and Cowboy. Waterfall is known to be bad; I hope we can just take that as an axiom today. But what about so-called Cowboy programming, which the Agileers define as "each member of the team does what he or she thinks is best"? Is it true that this is the only other development process? And is Cowboy Programming actually bad? They say it as if it's obviously bad, but they're not super clear on how or why, other than to assert that it's, you know, "chaos". Well, as I mentioned, over the past year I've had the opportunity to watch both Bad Agile and Good Agile in motion, and I've asked the teams and tech leads (using both the Bad and Good forms) lots of questions: how they're doing, how they're feeling, how their process is working. I was really curious, in part because I'd consented to try Agile last Christmas ("hey, it can't hurt"), and wound up arguing with a teammate over exactly what metadata is allowed on index cards before giving up in disgust. Also in part because I had some friends on a team who were getting kind of exhausted from what appeared to be a Death March, and that kind of thing doesn't seem to happen very often at Google. So I dug in, and for a year, I watched and learned. The Good Head (cue happy rat) I'm going to talk a little about Google's software development process. It's not the whole picture, of course, but it should suffice for today. I've been there for almost a year and a half now, and it took a while, but I think I get it now. Mostly. I'm still learning. But I'll share what I've got so far. From a high level, Google's process probably does look like chaos to someone from a more traditional software development company. As a newcomer, some of the things that leap out at you include: - there are managers, sort of, but most of them code at least half-time, making them more like tech leads. - developers can switch teams and/or projects any time they want, no questions asked; just say the word and the movers will show up the next day to put you in your new office with your new team. - Google has a philosophy of not ever telling developers what to work on, and they take it pretty seriously. - developers are strongly encouraged to spend 20% of their time (and I mean their M-F, 8-5 time, not weekends or personal time) working on whatever they want, as long as it's not their main project. - there aren't very many meetings. I'd say an average developer attends perhaps 3 meetings a week, including their 1:1 with their lead. - it's quiet. Engineers are quietly focused on their work, as individuals or sometimes in little groups or 2 to 5. - there aren't Gantt charts or date-task-owner spreadsheets or any other visible project-management artifacts in evidence, not that I've ever seen. - even during the relatively rare crunch periods, people still go get lunch and dinner, which are (famously) always free and tasty, and they don't work insane hours unless they want to. These are generalizations, sure. Old-timers will no doubt have a slightly different view, just as my view of Amazon is slightly biased by having been there in 1998 when it was a pretty crazy place. But I think most Googlers would agree that my generalizations here are pretty accurate. How could this ever work? I get that question a lot. Heck, I asked it myself. What's to stop engineers from leaving all the trouble projects, leaving behind bug-ridden operational nightmares? What keeps engineers working towards the corporate goals if they can work on whatever they want? How do the most important projects get staffed appropriately? How do engineers not get so fat that they routinely get stuck in stairwells and have to be cut out by the Fire Department? I'll answer the latter question briefly, then get to the others. In short: we have this thing called the Noogler Fifteen, named after the Frosh Fifteen: the 15 pounds that many college freshmen put on when they arrive in the land of Stress and Pizza. Google has solved the problem by lubricating the stairwells. As to the rest of your questions, I think most of them have the same small number of answers. First, and arguably most importantly, Google drives behavior through incentives. Engineers working on important projects are, on average, rewarded more than those on less-important projects. You can choose to work on a far-fetched research-y kind of project that may never be practical to anyone, but the work will have to be a reward unto itself. If it turns out you were right and everyone else was wrong (the startup's dream), and your little project turns out to be tremendously impactful, then you'll be rewarded for it. Guaranteed. The rewards and incentives are too numerous to talk about here, but the financial incentives range from gift certificates and massage coupons up through giant bonuses and stock grants, where I won't define "giant" precisely, but think of Google's scale and let your imagination run a bit wild, and you probably won't miss the mark by much. There are other incentives. One is that Google a peer-review oriented culture, and earning the respect of your peers means a lot there. More than it does at other places, I think. This is in part because it's just the way the culture works; it's something that was put in place early on and has managed to become habitual. It's also true because your peers are so damn smart that earning their respect is a huge deal. And it's true because your actual performance review is almost entirely based on your peer reviews, so it has an indirect financial impact on you. Another incentive is that every quarter, without fail, they have a long all-hands in which they show every single project that launched to everyone, and put up the names and faces of the teams (always small) who launched each one, and everyone applauds. Gives me a tingle just to think about it. Google takes launching very seriously, and I think that being recognized for launching something cool might be the strongest incentive across the company. At least it feels that way to me. And there are still other incentives; the list goes on and ON and ON ; the perks are over the top, and the rewards are over the top, and everything there is so comically over the top that you have no choice, as an outsider, but to assume that everything the recruiter is telling you is a baldfaced lie, because there's no possible way a company could be that generous to all of its employees, all of them, I mean even the contractors who clean the micro-kitchens, they get these totally awesome "Google Micro-Kitchen Staff" shirts and fleeces. There is nothing like it on the face of this earth. I could talk for hours , days about how amazing it is to work at Google, and I wouldn't be done. And they're not done either. Every week it seems like there's a new perk, a new benefit, a new improvement, a new survey asking us all if there's any possible way in which life at Google could be better. I might have been mistaken, actually. Having your name and picture up on that big screen at End of Quarter may not be the biggest incentive. The thing that drives the right behavior at Google, more than anything else, more than all the other things combined, is gratitude . You can't help but want to do your absolute best for Google; you feel like you owe it to them for taking such incredibly good care of you. OK, incentives. You've got the idea. Sort of. I mean, you have a sketch of it. When friends who aren't at Google ask me how it is working at Google — and this applies to all my friends at all other companies equally, not just companies I've worked at — I feel just how you'd feel if you'd just gotten out of prison, and your prison buddies, all of whom were sentenced in their early teens, are writing to you and asking you what it's like "on the outside". I mean, what would you tell them? I tell 'em it's not too bad at all. Can't complain. Pretty decent, all in all. Although the incentive-based culture is a huge factor in making things work the way they do, it only addresses how to get engineers to work on the "right" things. It doesn't address how to get those things done efficiently and effectively. So I'll tell you a little about how they approach projects. Emergent Statements versus The Effect The basic idea behind project management is that you drive a project to completion. It's an overt process, a shepherding: by dint of leadership, and organization, and sheer force of will, you cause something to happen that wouldn't otherwise have happened on its own. Project management comes in many flavors, from lightweight to heavyweight, but all flavors share the property that they are external forces acting on an organization. At Google, projects launch because it's the least-energy state for the system. Before I go on, I'll concede that this is a pretty bold claim, and that it's not entirely true. We do have project managers and product managers and people managers and tech leads and so on. But the amount of energy they need to add to the system is far less than what's typically needed in our industry. It's more of an occasional nudge than a full-fledged continuous push. Once in a while, a team needs a bigger nudge, and senior management needs to come in and do the nudging, just like anywhere else. But there's no pushing. Incidentally, Google is a polite company, so there's no yelling, nor wailing and gnashing of teeth, nor escalation and finger-pointing, nor any of the artifacts produced at companies where senior management yells a lot. Hobbes tells us that organizations reflect their leaders; we all know that. The folks up top at Google are polite, hence so is everyone else. Anyway, I claimed that launching projects is the natural state that Google's internal ecosystem tends towards, and it's because they pump so much energy into pointing people in that direction. All your needs are taken care of so that you can focus, and as I've described, there are lots of incentives for focusing on things that Google likes. So launches become an emergent property of the system. This eliminates the need for a bunch of standard project management ideas and methods: all the ones concerned with dealing with slackers, calling bluffs on estimates, forcing people to come to consensus on shared design issues, and so on. You don't need "war team meetings," and you don't need status reports. You don't need them because people are already incented to do the right things and to work together well. The project management techniques that Google does use are more like oil than fuel: things to let the project keep running smoothly, as opposed to things that force the project to move forward. There are plenty of meeting rooms, and there's plenty of open space for people to go chat. Teams are always situated close together in fishbowl-style open seating, so that pair programming happens exactly when it's needed (say 5% of the time), and never otherwise. Google generally recognizes that the middle of the day is prone to interruptions, even at quiet companies, so many engineers are likely to shift their hours and come in very early or stay very late in order to find time to truly concentrate on programming. So meetings only happen in the middle of the day; it's very unusual to see a meeting start before 10am or after 4:30pm. Scheduling meetings outside that band necessarily eats into the time when engineers are actually trying to implement the things they're meeting about, so they don't do it. Google isn't the only place where projects are run this way. Two other kinds of organizations leap to mind when you think of Google's approach: startup companies, and grad schools. Google can be considered a fusion of the startup and grad-school mentalities: on the one hand, it's a hurry-up, let's get something out now, do the simplest thing that could work and we'll grow it later startup-style approach. On the other, it's relatively relaxed and low-key; we have hard problems to solve that nobody else has ever solved, but it's a marathon not a sprint, and focusing requires deep concentration, not frenzied meetings. And at the intersection of the two, startups and grad schools are both fertile innovation ground in which the participants carry a great deal of individual responsibility for the outcome. It's all been done before; the only thing that's really surprising is that Google has managed to make it scale. The scaling is not an accident. Google works really hard on the problem, and they realize that having scaled this far is no guarantee it'll continue, so they're vigilant. That's a good word for it. They're always on the lookout to make sure the way of life and the overall level of productivity continue (or even improve) as they grow. Google is an exceptionally disciplined company, from a software-engineering perspective. They take things like unit testing, design documents and code reviews more seriously than any other company I've even heard about. They work hard to keep their house in order at all times, and there are strict rules and guidelines in place that prevent engineers and teams from doing things their own way. The result: the whole code base looks the same, so switching teams and sharing code are both far easier than they are at other places. And engineers need great tools, of course, so Google hires great people to build their tools, and they encourage engineers (using incentives) to pitch in on tools work whenever they have an inclination in that direction. The result: Google has great tools, world-class tools, and they just keep getting better. The list goes on. I could talk for days about the amazing rigor behind Google's approach to software engineering. But the main takeaway is that their scaling (both technological and organizational) is not an accident. And once you're up to speed on the Google way of doing things, it all proceeds fairly effortlessly — again, on average, and compared to software development at many other companies. The Tyranny of the Vocabulary We're almost done. The last thing I want to talk about here is dates . Traditional software development can safely be called Date-Oriented Programming, almost without exception. Startup companies have a clock set by their investors and their budget. Big clients set target dates for their consultants. Sales people and product managers set target dates based on their evaluation of market conditions. Engineers set dates based on estimates of previous work that seems similar. All estimation is done through rose-colored glasses, and everyone forgets just how painful it was the last time around. Everyone picks dates out of the air. "This feels like it should take about 3 weeks.""It sure would be nice to have this available for customers by beginning of Q4.""Let's try to have that done by tomorrow." Most of us in our industry are date-driven. There's always a next milestone, always a deadline, always some date-driven goal to it. The only exceptions I can think of to this rule are: 1) Open-source software projects. 2) Grad school projects. 3) Google. Most people take it for granted that you want to pick a date. Even my favorite book on software project management, "The Mythical Man-Month", assumes that you need schedule estimates. If you're in the habit of pre-announcing your software, then the general public usually wants a timeframe, which implies a date. This is, I think, one of the reasons Google tends not to pre-announce. They really do understand that you can't rush good cooking, you can't rush babies out, and you can't rush software development. If the three exceptions I listed above aren't driven by dates, then what drives them? To some extent it's just the creative urge, the desire to produce things; all good engineers have it. (There are many people in our industry who do this gig "for a living", and they go home and don't think about it until the next day. Open source software exists precisely because there are people who are better than that.) But let's be careful: it's not just the creative urge; that's not always directed enough, and it's not always incentive enough. Google is unquestionably driven by time , in the sense that they want things done "as fast as possible". They have many fierce, brilliant competitors, and they have to slake their thirsty investors' need for growth, and each of us has some long-term plans and deliverables we'd like to see come to fruition in our lifetimes. The difference is that Google isn't foolish enough or presumptuous enough to claim to know how long stuff should take. So the only company-wide dates I'm ever aware of are the ends of each quarter, because everyone's scrambling to get on that big launch screen and get the applause and gifts and bonuses and team trips and all the other good that comes of launching things with big impact at Google. Everything in between is just a continuum of days, in which everyone works at optimal productivity, which is different for each person. We all have work-life balance choices to make, and Google is a place where any reasonable choice you make can be accommodated, and can be rewarding. Optimal productivity is also a function of training, and Google offers tons of it, including dozens of tech talks every week by internal and external speakers, all of which are archived permanently so you can view them whenever you like. Google gives you access to any resources you need in order to get your job done, or to learn how to get your job done. And optimal productivity is partly a function of the machine and context in which you're operating: the quality of your code base, your tools, your documentation, your computing platform, your teammates, even the quality of the time you have during the day, which should be food-filled and largely free of interrupts. Then all you need is a work queue. That's it. You want hand-wavy math? I've got it in abundance: software development modeled on queuing theory. Not too far off the mark, though; many folks in our industry have noticed that organizational models are a lot like software models. With nothing more than a work queue (a priority queue, of course), you immediately attain most of the supposedly magical benefits of Agile Methodologies. And make no mistake, it's better to have it in software than on a bunch of index cards. If you're not convinced, then I will steal your index cards. With a priority queue, you have a dumping-ground for any and all ideas (and bugs) that people suggest as the project unfolds. No engineer is ever idle, unless the queue is empty, which by definition means the project has launched. Tasks can be suspended and resumed simply by putting them back in the queue with appropriate notes or documentation. You always know how much work is left, and if you like, you can make time estimates based on the remaining tasks. You can examine closed work items to infer anything from bug regression rates to (if you like) individual productivity. You can see which tasks are often passed over, which can help you discover root causes of pain in the organization. A work queue is completely transparent, so there is minimal risk of accidental duplication of work. And so on. The list goes on, and on, and on. Unfortunately, a work queue doesn't make for a good marketing platform for seminars and conferences. It's not glamorous. It sounds a lot like a pile of work, because that's exactly what it is. Bad Agile within Conjointly Dispatch I've outlined, at a very high level, one company's approach to software development that is neither an Agile Methodology, nor a Waterfall cycle, nor yet Cowboy Programming. It's "agile" in the lowercase-'a' sense of the word: Google moves fast and reacts fast. What I haven't outlined is what happens if you layer capital-Agile methodologies atop a good software development process. You might be tempted to think: "well, it can't hurt!" I even had a brief fling with it myself last year. The short answer is: it hurts. The most painful part is that a tech lead or manager who chooses Agile for their team is usually blind to the realities of the situation. Bad Agile hurts teams in several ways. First, Bad Agile focuses on dates in the worst possible way: short cycles, quick deliverables, frequent estimates and re-estimates. The cycles can be anywhere from a month (which is probably tolerable) down to a day in the worst cases. It's a nicely idealistic view of the world. In the real world, every single participant on a project is, as it turns out, a human being. We have up days and down days. Some days you have so much energy you feel you could code for 18 hours straight. Some days you have a ton of energy, but you just don't feel like focusing on coding. Some days you're just exhausted. Everyone has a biological clock and a a biorhythm that they have very little control over, and it's likely to be phase-shifted from the team clock, if the team clock is ticking in days or half-weeks. Not to mention your personal clock: the events happening outside your work life that occasionally demand your attention during work hours. None of that matters in Bad Agile. If you're feeling up the day after a big deliverable, you're not going to code like crazy; you're going to pace yourself because you need to make sure you have reserve energy for the next big sprint. This impedance mismatch drives great engineers to mediocrity. There's also your extracurricular clock: the set of things you want to accomplish in addition to your main project: often important cleanups or other things that will ultimately improve your whole team's productivity. Bad Agile is exceptionally bad at handling this, and usually winds up reserving large blocks of time after big milestones for everyone to catch up on their side-project time, whether they're feeling creative or not. Bad Agile folks keep their eye on the goal, which hurts innovation. Sure, they'll reserve time for everyone to clean up their own code base, but they're not going to be so altruistic as to help anyone else in the company. How can you, when you're effectively operating in a permanent day-for-day slip? Bad Agile seems for some reason to be embraced by early risers. I think there's some mystical relationship between the personality traits of "wakes up before dawn", "likes static typing but not type inference", "is organized to the point of being anal", "likes team meetings", and "likes Bad Agile". I'm not quite sure what it is, but I see it a lot. Most engineers are not early risers. I know a team that has to come in for an 8:00am meeting at least once (maybe several times) a week. Then they sit like zombies in front of their email until lunch. Then they go home and take a nap. Then they come in at night and work, but they're bleary-eyed and look perpetually exhausted. When I talk to them, they're usually cheery enough, but they usually don't finish their sentences. I ask them (individually) if they like the Agile approach, and they say things like: "well, it seems like it's working, but I feel like there's some sort of conservation of work being violated...", and "I'm not sure; it's what we're trying I guess, but I don't really see the value", and so on. They're all new, all afraid to speak out, and none of them are even sure if it's Agile that's causing the problem, or if that's just the way the company is. That, my friends, is not "agile"; it's a just load of hooey. And it's what you get whenever any manager anywhere decides to be a chump. Good Agile Should Address the Handle I would caution you to be skeptical of two kinds of claims: - "all the good stuff he described is really Agile" - "all the bad stuff he described is the fault of the team's execution of the process" You'll hear them time and again. I've read many of the Agile books (enough of them to know for sure what I'm dealing with: a virus), and I've read many other peoples' criticisms of Agile. Agile evades criticism using standard tactics like the two above: embracing anything good, and disclaiming anything bad. If a process is potentially good, but 90+% of the time smart and well-intentioned people screw it up, then it's a bad process. So they can only say it's the team's fault so many times before it's not really the team's fault. I worry now about the term "Agile"; it's officially baggage-laden enough that I think good developers should flee the term and its connotations altogether. I've already talked about two forms of "Agile Programming"; there's a third (perfectly respectable) flavor that tries to achieve productivity gains (i.e. "Agility") through technology. Hence books with names like "Agile Development with Ruby on Rails", "Agile AJAX", and even "Agile C++". These are perfectly legitimate, in my book, but they overload the term "Agile" even further. And frankly, most Agile out there is plain old Bad Agile. So if I were you, I'd take Agile off your resume. I'd quietly close the SCRUM and XP books and lock them away. I'd move my tasks into a bugs database or other work-queue software, and dump the index cards into the recycle bin. I'd work as fast as I can to eliminate Agile from my organization. And then I'd focus on being agile. But that's just my take on it, and it's 4:00am. Feel free to draw your own conclusions. Either way, I don't think I'm going to be an Early Riser tomorrow. Oh, I almost forgot the obvious disclaimer: I do not speak for Google. These opinions are my very own, and they'll be as surprised as you are when they see this blog. Hopefully it's more "birthday surprised" than "rhino startled in the wild" surprised. We'll see! cheap oem software buy software

Tags: agile, google, project, bad, work

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That’ll Be The Day “All I know is just what I read in the papers.” Will Rodgers,1879-1935 I await the day when The New York Times runs a series of “good news” articles about the state of American health care. The series might have these titles, • Americans Trust Their Doctors • Americans Have Greater and Quicker Access to High Tech Diagnostic and Curative Care Than Any Other Nation • Foreign Physicians Flock to America for Training Unavailable in Their Country • Record Numbers of Canadians Cross Border for Life-Saving Care • America Achieves Unprecedented Longevity Gains in Last Decade • Americans Receive 80 Percent of Noble Prizes in Medicine • Research at American Pharmaceutical Companies Produces 90 Percent of the World’s New Drugs • America’s Innovative Health System’s Variety and Choice the Wonder of The World That’ll be the day. The Times in 2005 and 2006 had a series of a dozen articles entitled “Being A Patient.” These focused largely on the perils of being a patient in America. Now The Times is embarked on a series on medicine and money, focusing on profit-mongering drug and medical device companies in league with greedy specialists to bilk the public. It all comes down to altitude and attitude. From their lofty perch, Th e New York Time’s editorial staff has yet to tumble to the reality America is basically a conservative nation, distrusts centralized government, wants choices of care and providers, demands access to the wonders of high tech medicine, and believes a market-based system, with all its faults, such as profits for entrepreneurial and innovative health care companies and , are worth the price and value received. It is almost as though The Times denies the existence of entrepreneurial capitalism in American health care. Our health system blends innovative large and small firms striving for economic growth. Such a system entails risk – workers who lose jobs and health insurance, widening of gaps between winners and losers, competition with some jobs going to skilled workers abroad who have increasing skills, occasional bankruptcies among those unable to pay health care bills. American capitalism is imperfect. It requires oversight to reduce risks without losing entrepreneurial vigor. Unremitting accusations of bad faith and constant “bad news” stories don’t strengthen health care. Read the The New York Times, and you’ll come away believing pervasive avaricious greed corrupts American health care and will break our already “broken” system. From May 9 through May 11, The Times ran 10 articles on how drug companies deceived the public and entered into unholy alliances with doctors to sell more drugs to produce more revenue for doctors, how doctors willingly entered into these alliances solely for material gain, and how lobbyist-tainted and incompetent FDA failed to monitor new drugs and harmed patient safety. The May 9 front page, right top column, the prime spot for highlighting news, featured these headlines, Doctors Reaping Millions for Use of Anemia Drugs. Payments from Industry. Concerns over Safety – Critics See Incentives for Higher Doses. The opening Section read: “T wo of the world’s largest drug companies are paying hundreds of millions of dollars to doctors every year in return for giving their patients anemia medicines, which regulators now say may be unsafe at commonly used doses. The payments are legal, but very few people outside of the doctors who receive them are aware of their size. Critics, including prominent cancer and kidney doctors, say the payments give physicians an incentive to prescribe the medicines at levels that might increase patients’ risks of heart attacks or strokes. Industry analysts estimate that such payments — to cancer doctors and the other big users of the drugs, kidney dialysis centers — total hundreds of millions of dollars a year and are an important source of profit for doctors and the centers. The payments have risen over the last several years, as the makers of the drugs, Amgen and Johnson & Johnson, compete for market share and try to expand the overall business.” The Times appears bent on publishing on its front pages “All the Bad News that’s Fit to Print about U.S. Health Care.” The May 9 article is part of a series of medicine and money, all decrying collusive relationships between big business and bad doctors. The Times series focus on the pharmaceutical industry and medical device industries , and how these industries reward specialists who overuse products for financial gain. To The Times, the American health system has become a morality play, • the good guys (The Times and other assorted elites and policy pundits) vs. the bad guys (profiteering health companies and doctors); • the greedy (well-healed executives and “rich” doctors) vs. the needy (poor patients in the throes of cancer or kidney dialysis); • the high brows (academics and journalists who know what’s right for the common good) vs. the low brow commercial types (who do almost everything wrong as long as it suits their own financial self-interest). I don’t wish to pick a fight with a media outlet who buys ink by the barrel. I know “bad news” sells better than “good news.” I know The Times considers itself the Watchdog and Whistle-Blower against mean-spirited, profiteering conservatives. I don’t question our capitalistic system needs oversight to reduce abuses. I’m simply seeking more balance in The Times reporting. For an example of this imbalance, in its May 9 piece, The Times dismisses America doctors’ overuse of anemia-correcting drugs for cancer and dialysis as a deliberate effort to make money. To make its case, The Times notes American doctors, • prescribe more drugs than European counterparts ( Did it ever occur to T he Times maybe, just maybe, European doctors “under-prescribe” and maybe their patients have less positive results? ) • conssciously endanger patients for profit when they know anemia drugs are unsafe (Has it occurred to The Times American physicians prescribing these drugs believe higher hemoglobin levels are “good” for improving health and alleviated distressing symptoms attributable to anemia.) • Continued to prescribe drugs even after studies indicated hemoglobin levels above 12 might endanger patients ( Did it ever occur to The Times the studies indicating “possible” risk studies were far from conclusive and only appeared in March?) Nor does The Times point out doctors themselves often criticize thenselves. For instance, on a May 11 blog, “The Doctors Weighs in on Cancer,” Dr. Dov Michaeli, an academic physician and biochemist who does cancer research takes the American Society of Clinical Oncologists (ASCO) to task for responding to the Times defensively (see epilogue to this blog for a reprint of ASCO letter to The Times). Of the ASCO letter to the times (reprinted in epilogue), Dr. Michaeli acidly comments “ASCO makes that same argument that professional people make when colleagues are caught with their hands in the cookie jar: most of us are conscientious, hardworking people. Granted, but it turns a blind eye to the corrosive influence of pharmaceutical companies on the use of drugs. This is denial of how our health system ‘works’ on a daily basis.” Michaeli concludes: “As the wheels are coming off our broken health system, more revelations of waste, abuse, greed and outright criminality are bound to surface. What are we going to do about it?” Good question. I suggest we start with a more balanced view of the system. • First, I reject the notion the system is “broken” – and constant reference by academic critics of greed by practitioners as a cause for this brokenness ( Michaeli, an academic researcher, shows some of this bias when he says, “ ASCO is led by academic clinicians and researchers, whose motivation and dedication is admirable. But many of the rank and file, community practitioners, are not beyond temptation.” I doubt medical academicians, who compete for pharmaceutical company grants and who run clinical trials, are beyond temptation. I’m unaware academic physicians wear halos and only practicing doctors are vulnerable to “temptation.” • Second, I believe critics ought to acknowledge health care is an innovate force in our economy, will soon represent 20 percent of the nation’s GNP, and is the nation’s largest employer. Professional managers, whose job is to maximize resources and revenues, run most health care enterprises - hospitals, medical practices, drug and device manufacturers. If overzealous pursuit of revenues and resources leads to excess, managers should be condemned, even fined and jailed, but it shouldn’t be assumed or taken for granted pharmaceutical and medical device companies and doctors are always seeking mutually beneficial arrangements are ipso facto evil doers. What the media in general, and The New York Times in particular, needs is a more balanced view. An occasional dollop of good news, such as more than 50 percent of cancer victims are now surviving, more than 10 million cancer victims are living with their disease, and genetically engineered cancer drugs are contributing significantly to cancer cures, would help achieve that balance. I’m pleased to report the May 12 issue of The Times contains a “good news” piece on Becton, Dickinson & Company. It’s buried on the third page of the business section. It’s titled “Medical Gear That Rarely Makes News.” It consists of an interview with Edward J. Ludwig, CEO of Becton and Dickenson, with revenues of $5.7 billion last year, on sales of syringes, diagnostic kits, lab equipment, and related gear. The unifying theme behind the company’s success is its emphasis on safety in its products to protect doctors, nurses, and patients with shields, sliding clasps, and needle retracting into the device. Its ambition is to make a significant dent in the 2 million infections each year from antibiotic resistant staphococci killing 90,000 Americans each year and costing $6 billion yearly to treat. Toward that end, B &D has acquired a diagnostic system allowing them to quickly identify the offending bacteria. Use of this system to screen every patient. entering Evanston Northwestern Hospital reduced infections by 60 percent. Ludwig contend s private innovation will help the “broken” health system to heal itself by attacking safety problems, and improving care. What the media needs is a new more flexible mindset allowing them to become more innovative in reporting the “good news” of our resourceful and responsive health system. Epilogue : In the interest of being “fair and balanced” (a term the mainstream media now considers anathema since Fox News adopted it as their slogan), I reprint six letters from the May 13, Sunday, New York Times. The Times deserves credit for publishing letters representing both points of view. Best Drug, or Best Money Maker? (6 Letters) 1) To the Editor: So two drug companies are paying hundreds of millions of dollars to doctors who prescribe anemia medicines that lack effectiveness and put a patient’s health at risk. This is not a surprise because it reflects our broken health system, a system driven by greed. Although drug companies say their intentions are not to promote the use of more medicine for profit, there will always be the risk that some doctors will prescribe higher doses to gain that extra dollar. As patients, we should work to eliminate the incentives to doctors and to raise patient awareness about them. We deserve the right to know the benefits of a medicine, both for us and for the doctors. Luis Rodriguez Daly City, Calif., May 9, 2007 2) To the Editor: Medical care should be guided only by what is best for patients. But throughout the medical system, rebates and volume discounts are common and can create the perception of improper incentives. Our organization has long advocated evidence-based guidelines, including those we produced in 2002 with the American Society of Hematology on erythropoietin use for chemotherapy-related anemia. With the appropriate use of erythropoietin, many thousands of patients have avoided potentially dangerous blood transfusions. Oncologists care deeply about their patients, and the overwhelming majority treat them based on the best available evidence. In the case of erythropoietin, recent studies prompted the Food and Drug Administration to issue a “black box” warning in March about the potential dangers of using erythropoietin to boost hemoglobin to levels higher than guidelines recommend. Early evidence suggests that doctors factored this new data into their prescribing decisions and have reduced erythropoietin use. As a whole, the medical community needs to better determine the impact financial incentives may have on prescribing patterns and patient care, to ensure that patient needs continue to be at the forefront of medical decisions. Allen S. Lichter, M.D. Exec. V.P., American Society of Clinical Oncology Alexandria, Va., May 10, 2007 3) To the Editor: Many doctors appear dissatisfied with fees ethically garnered from clinical evaluation and management. They can and will prescribe for personal profit, and will readily reshape and expand diseases to suit the available reimbursement. Without disclosure, patients are typically the last to know there might be a problem. The investigation of anemia drugs no doubt could expose the self-serving logic, unethical inducements and poor administrative surveillance that permit exploitation of the public’s soft financial underbelly. Unfortunately, there are plenty of other specialties of medicine where such professional betrayals occur. And adequate regulation is not likely to occur in the financial free-for-all of private medicine. James H. Lampman, M.D. Bismarck, N.D., May 9, 2007 4) To the Editor: The discovery and development of growth factors that stimulate the bone marrow to produce red cells was a milestone in modern medicine. In the appropriate setting, these growth factors can improve blood counts and quality of life and spare patients time-consuming, expensive, short-lasting and risky transfusions. In our practice the increasing use of these medicines is driven by the fact that they work so well. As with any new therapy, these medicines need to be used within established and developing guidelines to avoid serious side effects. Since there are two competing and equally effective drugs, the drug makers are offering incentives for preferential use — the natural outcome of a free-market economy. Deciding how regulators might control drug makers is an important undertaking, but it should not detract from the tremendous benefits of these drugs when used in the right situation. Birjis Akhund, M.D. Chief of Medical Oncology Huntington Hospital Huntington, N.Y., May 9, 2007 5) To the Editor: America has the best medical care in the world. It is the most advanced and expensive. The first two qualifications are debatable, but the third is difficult to refute. The great expense is complicated by the high cost of drugs and procedures of dubious benefit. The likelihood of being prescribed drugs of dubious benefit is obviously increased by kickbacks to doctors. The kickbacks may be legal, but should they really be allowed? The cost of medicine is increased by this practice, and the quality is sure to suffer. Alex Floyd Lexington, Ky., May 9, 2007 6) To the Editor: “Doctors Reaping Millions for Use of Anemia Drugs” (front page, May 9) was disturbing. I found it equally disturbing that the continuation of the article was in Business Day. In the past two decades, I have observed that news of important medical advances increasingly appears in, or is continued in, the business section. This practice advances the thinking that health care is primarily a business in which providers reap riches, rather than a humane social endeavor in which providers earn their living. Ira D. Feirstein, M.D. New York, May 9, 2007

Tags: doctors, drug, time, health, patient

Goldman Sachs uses witchcraft to make its financial decisions.

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Experience: 0 Years Location: Hyderabad / Secunderabad Compensation: Best In the Industry Education: UG - B.Com - Commerce PG - M.Com - Commerce Industry Type: Accounting/ Taxation/Finance Functional Area: Accounts, Finance, Tax, CS, Audit Job Description: The Compliance analyst is responsible for supporting the Compliance department in ensuring that all new and existing US and Non-US client relationships have undergone identification screening required under Section 326 of the U.S Patriot Act prior to opening an account. Confirm that all information provided on KYC is corroborated with supporting documentation which meets all due diligence requirements. Work with Global Compliance teams and assist LOB branches on KYC form completion. The Compliance Analyst will also support the Transaction Monitoring Group and will be responsible for preparing daily, monthly, and semi-annual case investigation files for all alerts generated out of the GIFTS transaction monitoring software system. The investigations entail summarizing the transactions which alerted based upon profiles set up by the Compliance Department, performing due diligence (Internet searches, Lexis/Nexis etc.) on the accountholder, originating parties and beneficiaries related to the transactions, as well as obtaining and summarizing the details of the client relationship from the Know Your Client information on file. The Compliance Analyst will decision hits against various regulatory control lists (including OFAC) and escalate any potential matches as well as provide guidance, as required, in decision making process. PC proficient (MS office) and extensive knowledge on performing internet searches. Bachelor's degree or equivalent experience. 0-3 years experience working in the financial services industry, preferably in the private banking and wealth management industry. Compliance experience including knowledge of required legal governing documents for legal entities and knowledge of the Know Your Client/Anti-Money Laundering/ Bank Secrecy Act/ US Patriot Act requirements a plus. Desired Candidate Profile: B.Com/M.Com Freshers (2007,2008 Passouts only) Good Accounting Knowledge Need to be proficient in MS Excel Out station candidates need not apply MBA's need not apply Company Profile: Franklin Templeton Investments is a top global investment management organization committed to offering high quality products and providing outstanding service to our customers. We are one of the largest financial services groups in the world based at San Mateo, California USA. We as a group have US$ 647.0 billion in assets under management globally (as of November 30, 2007). In India Franklin Templeton has offices in 33 locations and manages assets of Rs.32041.84 crores for over 24 lakh investors as of October 31, 2007. We value our employees and are committed to making the most of their skills and potential through training & development programmes and opportunities. Contact Details Company Name: Franklin Templeton Intl. Services Website: http://www.franklintempletonindia.com Executive Name: Annapurna Email Address: aburra@templeton.com Keywords: B.Com / M.Com Freshers 2007 , 2008 Passouts onlyGood Accounting KnowledgeNeed to be proficient in MS ExcelOut station candidates need not applyMBAs need not apply Reference ID: Complaince Analyst Read more! cheap oem software buy software

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Xavier from About Town has written a great piece on University of Auckland (and former Victoria) Vice Chancellor Stuart McCutcheon's refusal to participate in a Multi-Employer Collective Agreement (MECA) - the piece is aptly named "Stuart McCutcheon is a Fucktard" My analysis of Stuart McCutcheon and his time at Victoria is thus (please correct any inaccuracies): McCutcheon came to Victoria when we were in dire financial circumstances. Previous Vice Chancellor Michael Irving had seriously fucked things up big time (including, but not limited to, my personal favourate: an expensive (and unsuccessful) advertising campaign involving Robert Rakete, a cactus suit, and the phrase "Victoria takes all comers"), and the university was not only loosing students, but loosing money. Irving was "asked" to leave, and was offered an undisclosed goldern handshake - rumours range from a six-figure payment, to a BBQ and a chilly-bin full of beer. So out with Irving, and in with the Knight in Shining Armour - Massey University Deputy Vice Chancellor, Stuart McCutcheon. The students stopped leaving, and the books balanced. However, McCutcheon took it a little further, building Victoria University into the corporate entity that it is. I am mixed on my feelings about this, but it did invlove expensive corporate marketing, staff salaries stagnating, and student fees going up (it also involved other factors which we are currently in legal action over). I currently have a lot of respect for the new Vice Chancellor Pat Walsh, and we enjoy a civil and prefessional working relationship. Walsh's area of expertise is industrial relations, and he has a strong record of union membership (which, admitedly is much higher at Victoria than Auckland) so AUS would also have reason to be optomistic this year. Interestingly Irving (who is now Professor of Biomedical Science at Bond University in Australia) is a bio-chemist, and McCutcheon a vetenerian, two subjects which are not especially strong at Victoria. cheap oem software buy software

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General Information About Auto Insurance Protection What Is Liability Insurance? What Are Collision and Comprehensive Insurance? What Are Medical Payments Coverage and Personal Injury Protection Insurance? What Is Uninsured / Underinsured Motorist Protection? Driving is a privilege, but it comes with a price tag. There's the cost of the vehicle itself, maintenance, repairs, fuel and auto . Many states require you to carry a basic, minimum level of auto insurance. It's a way of sharing the risks of driving. Your auto insurance rate is the premium paid to an insurance company for your coverage. In return, your coverage will protect you against most financial losses that might otherwise be your responsibility to pay. Auto insurance is more than a matter of insuring your vehicle for loss or repairs after an accident. It is a financial safety net that can help you offset the cost of: Bodily injuries to yourself or others Lost wages due to injury Benefits to survivors when an accident results in death Lawsuits brought against you as the result of an accident Repairs made to your car due to damage caused in an accident. Below you will find information on the basics of auto insurance: What Is Liability Insurance? Liability insurance helps protect you and your assets if you cause an injury to others or damage the property of others with your vehicle and you are determined to be liable. Bodily injury liability protects you in the event you are determined to be responsible for an accident in which someone is hurt or killed. Property damage liability covers the damage your vehicle causes to someone else's property, such as their car, mailbox or a fence on their land. If you are judged to be legally liable for an accident, you may be held responsible for property damage, hospital and medical payments, rehabilitative care, lost income and even the pain and suffering of the injured person. You can be sued for the full cost of the damages. If the cost of this loss exceeds the amount of your liability insurance coverage, you may have to pay the rest. So, be sure you have sufficient liability coverage to protect your assets. Your insurance policy usually describes the amount of liability coverage you have as split limits. Suppose your limits of liability coverage reads 50,000/100,000/50,000. In this example, $50,000 is the maximum the insurance company will pay for bodily injuries to each person in the accident. The maximum amount paid for all bodily injuries, no matter how many people are hurt in the accident, is $100,000. The maximum amount paid for damage to someone else's property in the accident is $50,000. Your Bodily Injury and Property Damage Liability may also be shown as a single limit, e.g., $100,000 Combined Single Limit (CSL). Many states require drivers to carry a minimum amount of liability insurance of approximately 25,000/50,000/10,000. That means there would be $25,000 to cover injuries to any one person, $50,000 total for all injuries, and $10,000 for property damage. What Are Collision and Comprehensive Insurance? Collision coverage pays for damage to your own auto that results from colliding with another vehicle or object, or from a vehicle rollover. Your car is covered no matter who caused the accident. Comprehensive coverage pays for damage to your auto caused by something other than a collision. This includes theft and vandalism, and disasters such as fire, flood and hail. Collision and comprehensive coverage's usually do not pay for the total loss. You generally have a deductible, an amount you must pay out of your own pocket before your auto insurance payment takes effect. Suppose, for example, that you have a $250 deductible. On a loss of $1,000, you would pay the first $250 and your insurance company would pay the remaining $750. Depreciation will also affect the amount you recover for the damages done to your car. As your car ages and its value declines, the amount you would collect for a total loss declines as well. Your insurance company reimburses you for the actual cash value of your car or its parts, at the time of the loss. For example, if your car was purchased for $20,000, you will get less than your original purchase price to replace it due to the car's "natural" depreciation in value. You can find out the current value of your car by consulting the N.A.D.A. Official Used Car Guide, which is in most public libraries and banks. Sometimes it may not make financial sense to buy collision and comprehensive insurance on an older car. Why? Generally, speaking, cars depreciate as they age. The maximum amount that will be paid under Collision coverage is the actual cash value of your car minus the deductible. When making this decision, you need to know, the "book" value of your car, your deductible for each loss, the cost of coverage, and the amount you would receive if your car was "totaled" (after subtracting your deductible from the book value). Only you can decide after considering everything whether the cost of insurance is more economical than the cost of repairing or replacing the car at your own expense. What Are Medical Payments Coverage and Personal Injury Protection Insurance? Medical payments insurance covers the cost of doctors, hospitals and funeral expenses of you and/or your passengers, that result from an accident, regardless of who is at fault. This coverage will protect you when you drive another person's car (with permission) or if you or your family are struck by another vehicle as pedestrians. The coverage is relatively inexpensive and generally available with limits between $1,000 and $100,000. It also provides for funeral expenses, when necessary. The availability varies state by state. Personal injury protection (PIP) is a form of no-fault insurance required in states with no-fault laws. This coverage is a broader form of medical payments insurance. It pays for medical care, lost wages and replacement services for the injured party (for example, paying for a baby-sitter for children while a mother is hospitalized). It pays regardless of who is at fault in an accident. States with no-fault laws usually limit the right to sue for non monetary damages such as pain and suffering, but you still may be able to sue in cases of incapacitating disability or death. This coverage varies by state and is sometimes an optional offering in states without no-fault laws. In your evaluation of coverage, remember that Medical Payments and PIP also protects your passengers. If you exceed your medical medical coverage on your auto policy, then Bodily Injury coverage may be needed. Before choosing medical payments or no-fault protection, check with your state's insurance department for details of no-fault coverage in your state. Then review your other insurance policies. If you already have good medical and disability insurance, you may not need to purchase protection in addition to the minimum limits of your state (if Medical Payments/PIP is a required coverage). What Is Uninsured/Underinsured Motorist Protection? If you are involved in an accident with an uninsured driver, you have very little chance of collecting payment for your damages from that driver. Uninsured motorist (UM) coverage* pays the cost of damages and injuries resulting from being hit by an uninsured driver or by a hit-and-run driver. Both you and your passengers are covered for medical expenses, lost wages and other injury-related losses. You may also be able to collect for pain and suffering. Similarly, Underinsured motorist (UIM) coverage* will pay for damages that exceed the amount of coverage carried by an underinsured driver. You choose the amount of coverage when you buy this protection. cheap oem software buy software

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About The Royal Bank of Scotland Group is one of the world's leading financial services company. The RBS group provides a wide range of services in the areas of corporate, retail and investment banking, insurance and private banking. The RBS group continues to grow its business around the globe and has offices in Europe, the USA and Asia. It is one of the world's largest financial institutions by market capitalisation, servicing more than 35 million customers with over 140,000 employees globally. How to Apply Candiates with 0 to 12 Months Experience should apply to talent@rbs.com All positions are based in Gurgaon (NCR) Click Here for More Details If you want to receive job announcements in your e-mail on a daily basis, please send a message to 101globaljobs-subscribe@yahoogroups.com. Read more! cheap oem software buy software

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Unfortunately rental scams are on the rise for VR owners and we must be on the look out for these. I recently saw a news program that reported that most of these scammers are from Africa (Somalia & Nigeria) where scores of young people hit these run down internet cafes and start scamming all over the world. The email address will come from the UK to add fake credibility. In addition these are some additional key signs from my point of view that your inquiry may be a scam: Basic Story goes like this: •I am traveling with a Church group of 10 people •I am a soldier coming home from the Iraq war •I am a soldier based on a navy battleship •I am a student etc •I am a Doctor Once you reply you will then be presented with an opportunity for the scammer to send you a cashiers check for more money than owed, and have you wire transfer them the overage amount. The catch is that the cashiers check is fake, and it will take your bank some 3-4 days to inform you of this. Of course by this time you have sent your wire transfer to your new found buddy. That’s the scam. Additional Warning Signs Usually when these emails hit and they do not have a phone # (#1 warning of someone scamming or building a spam list…but not always the case as some legitimate folks refer email only). The emails will use broken English (however English is becoming much better over the last year as graduates from the western schools have come back home) Use of CAPs to grab your attention. The grammar and English errors are usually very prevalent, but reference the point above. The scammer may want to rent your property in the very near future (to give you less time to act and confirm) or will want to rent for a very long time frame. Sophisticated scammers will target areas out of season with this offer. How to Handle Scammers: First of all trust your instinct as it is usually right. You do not have to respond. If you think it’s a scam and you respond all you have done is verified an email address that gets on a scammers spam list, and then shared/sold to other scammers. Inform anyone that deposit checks must clear before any reservation, and that you offer credit cards (every VR owner must consider taking credit cards these days). Never transfer any money to anybody until any check clears the bank. I don’t care of it’s a VR, a Car, a house etc. Never accept a payment for more than the greed to amount NEVER EVER give someone your checking account information as scammers will often time offer to wire in money directly to your checking account. The wire happens…not just in the direction you had imagined. Report Scams to your advertising and listing sites for your VR Use the internet to verify company names, phone numbers etc. Most companies have to be registered. Managing Scam Only the potential marks (that’s you & me) can combat scammers. Here are some resources to report potential scammers. I found a great site dedicated to stopping Nigerian Scams and have excerpted some of their context (http://home.rica.net/alphae/419coal/) “If you are contacted by a scammers that offers to send you money ahead of time (known as Advance fee Fraud (419) you contact the US Secret Service at 419.fcd@usss.treas.gov Only No Loss reports are to be sent to this email address. The goal is to document the scammer and create a data base, the USSS does not respond to submissions to this address. United States Citizens and Residents who HAVE suffered a Financial Loss are instructed to contact the nearest Field Office of the United States Secret Service (USSS) by telephone. You may also file a Financial Loss complaint online with the Internet Crime Complaint Center “ [formerly the Internet Fraud Complaint Center (IFCC) ]. This organization is a partnership of the National White Collar Crime Center (NW3C) and the Federal Bureau of Investigation (FBI).

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Life Insurance: Tell Me About It And How It Works ? By: Mike Armstrong Life insurance offers you an opportunity to ensure the financial security of your family and loved ones, no matter what happens. Life insurance can be used to: * Pay off any final expenses or personal debts like credit cards, car loans or a mortgage * Offset the loss of your income for those who rely on you for financial support * Contribute to the future education of your children * Protect your estate by helping to pay the taxes due on an estate upon death * Leave a legacy to your favourite charity Who should buy life insurance? The purchase of life insurance is often associated with major life events like getting married, buying a home, or having children. However, if these don’t apply to you ask yourself the following questions. If you answer yes to any of them, you’ll want to consider life insurance: * Does anyone rely upon you for financial support? Whether it’s a spouse, child, grandchild, parent or dependent adult, life insurance will help them protect their financial well being no matter what happens. * Do you have a mortgage, or any other debts? If so, a life insurance policy can provide a way to take care of these outstanding bills along with any others like funeral expenses, legal fees and taxes, and medical expenses. * Do you own a business? o For sole proprietors, you're accountable for the debts your business owes. If you do not have enough life insurance to cover these debts, your personal assets could be liquidated to pay them off, possibly leaving little left for your family. o If you’re in a partnership, a life insurance policy where the other partner is the beneficiary means the surviving owner has the cash easily available to buy out your portion of the partnership from the estate. * Do you want to leave a legacy? Life insurance policies can be used to leave money to your favourite charity. How much will life insurance cost? There's no such thing as a one-size-fits-all insurance policy. Insurance professionals need to look at a lot of different things before they come up with a final insurance rate. They'll consider your age, gender, whether you're a smoker, and your past and current health record and family history. Then they'll balance all that with the amount and type of policy that you're applying for. What types of life insurance are available ? There are two main types of life insurance, level life insurance also known as term life insurance and decreasing life insurance or mortgage life insurance. Level life insurance as it suggests is level cover that stays constant during the full term of the insurance and a level lump sum pay out would occur upon death. The sum assured is decided from the outset of the policy. Decreasing is most often used to cover a mortgage and works exactly the same as level life insurance however the sum assured decreases over the term of the policy this is ideal cover for a mortgage or any decreasing debts that maybe paid off over a period of time. Life insurance is now more accessible than ever with the advent of the internet. The best online brokerages offer instant online quotes, thus avoiding any hard sell tactics the industry was associated with in the past. A good example of this is Unbeatable Quote UK if you visit their website you will find an instant online quote with generous discounts and an online application. Provided by ArticleGOLD: Articles Directory - Article Directory

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The Related Visit February 23, 2007 SPRINGFIELD, Ill. -- The Illinois Senate voted Friday to spend divulge tax dollars conceivable conceivable arise cell review, despite objections from those who argue the test destroys individuality turmoil. The caliber passed 35-23 along with thanks to goes to the Illinois Acres. Democratic Gov. Rod Blagojevich has already used his executive powers to stock begin cell test. He set up the Illinois Regenerative Medicine Erect, which has awarded $15 thousand surrounded by grants. The Senate legislation would coin the get going additionally its grants a sample of promulgate law. Supporters advise future happen cells could bottom line treatments thanks to a wide type of diseases, likewise diabetes Also Alzheimer's. They argue the cells are taken unexampled from embryos founded whereas in vitro fertilization that would far cry be discarded. \"They moment into the general public sewer system. I just bargain on my maker would insufficience me to serviceability these embryos to push on again improve human trick,\" said unexampled supporter, Sen. Kirk Dillard, R-Hinsdale. But opponents condemn the poll for it touchs the silence of being embryos. \"Obviously we actually appetite cures to diseases. The material is, what are willing to sacrifice to auscultate them?\" said Sen. Chris Lauzen, R-Aurora. \"The distinct cat of an fellow living soul guy disappears since life.\" Some senators likewise questioned the pattern of spending shot advisable the test when the proclaim is already bounded by attempt financially. Illinois joins California, Connecticut still New Jersey in that states this are funding unrealized ascend cell analysis using advise tax dollars. The want ad is SB4. Dormant the Fund: http://Net.ilga.gov Pending, New York Governor Eliot Spitzer's $2 hundred ascend cell initiative due to New York Blast is apparently getting a cool reception tween the Convention. Unusually, Assemblyman Richard L. Brodsky, raised a cut of red flags around the proposal centrally located an address that chronology to somebody Congregation Democrats additionally surrounded by a memo he sent to the Spitzer course. Brodsky's criticisms are halfway the proposal's fine hand, which states that the property could be used Because scrap oscillation of big ideas, from \"new agribusiness\" to \"pledge technologies\" plus nanotechnology. Mr. Brodsky claims the open-ended way of the proposal violates a fancy amidst the New York Shape this bonds can individual be materialized thanks to lone appoint. Brodsky added that \"we distress to attract along desirable flow cell poll likewise unsubstantial practicable creating a stock economic preferment instrument.\" He additionally questioned whether it was property borrowing $1.5 thousand Because the initiative instead of paying enclosed by cash, estimating that salary personalized would discount the leave word $1.8 hundred thousand gone by 30 years. Executed factors were highlighted amid a New York Times article.

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Experience: 0 - 3 Years Location: Delhi/NCR Compensation: Rupees 2,25,000 - 3,00,000 Education: UG - Graduation Not Required PG - Any PG Course - Any Specialization Industry Type: BPO/ITES /CRM/Transcription Functional Area: ITES/BPO/KPO, Customer Service, Ops. Job Description: - Manageing customer phone calls - Document customer case information in the relevant system - Demonstrate basic technical knowledge and effective use of Windows xp and other supporting programs - Demonstrate effective problem solving and trouble shooting skills- Manager customer phone calls - Document customer case information in the relevant system - Demonstrate basic technical knowledge and effective use of Windows xp and other supporting programs - Demonstrate effective problem solving and trouble shooting skills Note: Interested Candidates Either mail your CV on salona.bedi@convergys.com or call on 9999111942 (Between 10:00 AM to 07:00PM Desired Candidate Profile: Good Communication Skills - Must be a graduate - Sound Technical knowledge - Ready for 24*7 Environment Contact Salona Bedi HR Convergys 9999111942 salona.bedi@convergys.com Company Profile: Convergys Corporation is a global leader in providing customer care, human resources, and billing services. Convergys combines specialized knowledge and expertise with solid execution to deliver outsourced solutions, consulting services, and software support. Clients in more than 70 countries speaking nearly 35 languages depend on Convergys to manage the increasing complexity and cost of caring for customers and employees. Convergys serves the world's leading companies in many industries including communications, financial services, technology, and consumer products. Convergys is a member of the S&P 500 and a Fortune Most Admired Company. Headquartered in Cincinnati, Ohio, Convergys has approximately 74,000 employees in 77 customer contact centers, three data centers, and other facilities in the United States, Canada, Latin America, Europe, the Middle East, and Asia. For more information visit www.convergys.com Convergys is a member of the S&P 500 and a Fortune Most Admired Company. Headquartered in Cincinnati, Ohio, Convergys has approximately 74,000 employees in 77 customer contact centers, three data centers, and other facilities in the United States, Canada, Latin America, Europe, the Middle East, and Asia. For more information visit www.convergys.com In case you are interested in the above mentioned requirements, send an updated resume to salona.bedi@convergys.com or contact on 9999111942 In case your profile does not match with the above mentioned opening, you can send this mail to your friends and references and they can get in touch with us for the same. Contact Details Company Name: CONVERGYS India Services Pvt Ltd Website: http://www.convergys.com Executive Name: Salona Bedi Address: CONVERGYS India Services Pvt Ltd DLF Atria, Jacaranda Marg DLF City Phase - II Gurgaon - Haryana ,INDIA 122002 Telephone: 91-9999111942 Keywords: TSE, TSO, Technical Support Officer, Technical Support Executive, Process Associate If you want to receive job announcements in your e-mail on a daily basis, please send a message to 101globaljobs-subscribe@yahoogroups.com. Read more! cheap oem software buy software

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WNS Global Services manages and operates critical business processes for leading global companies. We have a proven track record of creating value for our clients and using our domain expertise in industries such as travel, insurance, financial services, healthcare services, professional services, retail/manufacturing and logistics. Our experienced and diverse leadership team is complemented by over 17,000 professionals working on a world class 8850 workstation infrastructure. We are passionate about building a market leading company highly valued by our customers, associates, business partners, investors and communities. Business units Travel Services: Reservations, loyalty programs, customer service, fare construction and filing, cargo operations support, revenue management, revenue accounting and auditing, AP/AR, rec, invoicing onciliation (ARC/BSP), and employee services. Banking, Financial Services & Insurance (BFSI): Banking & Financial Services: Offers a wide variety of services to the mortgage banks, retail banks, asset Management firms, investment banks, retail banks: sales and trading, equity and fixed income research, corporate finance, investment and asset management, mortgage processing, loan Processing, due diligence and loan boarding, risk management support, annuities and mutual fund transactions, account administration, virtual loan consulting underwriting, claims adjudication. Insurance Services: property and casualty, life pensions and health insurance, sales and new business, policy administration, claims management, finance and accounting, customer contact, analytics, coding and billing, receivables management, rejected/recycled claims handling, news business services, claims adjudication. Knowledge Services: Market research (primary research), business research (secondary research), investment research, legal research, legal services, analytical data mining, marketing and consulting support. Enterprise Services Retail and Manufacturing: service delivery, fault management, billing queries, change management, chronic and RCA reporting, customer feedback management, telemarketing and inside sales, customer ordering support, supply chain management, marketing analytics support, billing support, debt collection. Logistics: schedule maintenance, bookings, space utilization, AWB Manifesting, billing-freight, duties and taxes, freight audit, pricing and invoicing, track and trace support, management reports. Healthcare Services: pre-service, claims Preparation, account receivables management, customer service, third party administrator services, government compliance audit and support, customer relations management (CRM) support. Awards and recognition India's first NYSE listed BPO company. Ranked no. 3 in the Black Book of Outsourcing for the year 2007. Ranked one of the two best BPO firm by NASSCOM; One of the Top 20 emerging companies in India by Business Today magazine (Nov,'05); Named 'Best Performing BPO Provider' by global newsletter Managing Offshore; 'Leader in Human Capital Development' by leading offshore outsourcing advisory firm NeoIT (Jan. '05) and ranked at No.3 as 'Most Respected ITES Company' by Business World magazine (Nov. '04). Infrastructure Over 815,000 sq. ft. facility at 10 centres in Mumbai, Gurgaon, Pune, Nashik, Colombo (Sri Lanka), Ipswich (UK). Client service and transition locations in US and UK. 8,850 seats capable of supporting 17,000+ associates in multiple shifts. WNSNet: Global 6 node hybrid mesh communications network with '2n' redundancy, 99.99% uptime Financial status US $352.3 million revenues in 2006-07 (year ending March 31, 2007, US GAAP). Designation: CSA Job Description: graduate-fresher/undergraduate with 1yr experience in BPO excellent communication skill. ready to do work in shifts including night shift Desired Profile: 1. Candidate should be graduate. Fresher can also apply 2. Undergraduate with 1yr. experience in BPO 3. Excellent communication skill 4. Ready to do work in shifts including night shift. 5. Good salary package. Experience: 0 - 2 Years Industry Type: BPO/ITES /CRM/Transcription Functional Area: ITES/BPO/KPO, Customer Service, Ops. Education: UG - Any Graduate - Any Specialization PG - Any PG Course - Any Specialization Location: CSA Keyword: CSA / Sr.CSA Contact: Anju Lalwani/Sunil Tandalekar Telephone: 40112934/29/9833726407 Email: anju.lalwani@wnsgs.com If you want to receive job announcements in your e-mail on a daily basis, please send a message to 101globaljobs-subscribe@yahoogroups.com. Read more! cheap oem software buy software

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INFORMATION TECHNOLOGY iHealthBeat, November 09, 2006 "A House bill to extend the use of health IT might be unlikely to pass after its primary sponsor, Rep. Nancy Johnson (R-Conn.), lost her bid for re-election on Tuesday, Health IT Strategist reports." FULL STORY RELATED LINKS: Report: IT Necessary for Consumer-Driven Health Plans iHealthBeat, November 09, 2006 "Consumer-driven health plans must be able to collect and exchange clinical and financial data electronically to be successful for physicians, according to a report from First Consulting Group, Health Data Management reports." FULL STORY EDS To Aid CMS' Anti-Fraud Activities iHealthBeat, November 09, 2006 "CMS has awarded EDS two task orders to aid their anti-fraud and data-warehousing functions, Government Health IT reports. The task orders have a one-year base term and four one-year options that could be worth an estimated $120 million, EDS said on Wednesday." FULL STORY Web Tool Predicts Return of Breast Cancer iHealthBeat, November 09, 2006 "A Web-based tool could help women who undergo surgery for breast cancer find out whether they might benefit from radiation, WebMD/Fox News reports." FULL STORY Computer Program Allows Patients To Log Pain on PDAs iHealthBeat, November 09, 2006 "A 3-D computer program that allows wheelchair users to log their daily pain on a PDA so physicians can understand their patients' changing conditions has been developed by researchers at Brunel University in London, BBC News reports." FULL STORY cheap oem software buy software

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My parents — retirees on Space Coast of Florida — have become especially vigilant about scrutinizing bills after spotting errors on a hospital bill a few years ago. While they were grateful for the excellent care, my folks were less than thrilled about questionable charges for phantom treatments. “We successfully challenged the charges and they took it off,” my mother said. “You can go directly to the billing department and ask for an itemized bill.” Annually, consumers and insurance companies are hit by about $54 billion in either fraudulent or illegal medical charges, according to the National Health Care Anti-Fraud Association (NHCAA), a nonprofit foundation. And while medical scams account for a large percentage of those charges, billing errors also contribute to the toll. Erroneous charges — including genuine mistakes — are often veiled by complex billing codes and undecipherable medical terms. Some billing errors seem absurd. For example, Bankrate.com, a South Florida-based independent research company — reports that billing errors have included $129 for a “mucous recovery system,” also known as a box of tissues. That fiscal care is recommended by the experts at Bankrate.com and NHCAA. Here is a rundown of other steps that you can take to safeguard your financial health. • Know your benefits . Closely review health care documents and track the paperwork from your insurance carrier, physician and hospital. Read every “Explanation of Benefits” statement, which provides a rundown of billing charges. Report any discrepancies to your insurance carrier and to the hospital. • Scrutinize “free&