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Law and globalisation: Not entirely free, your honour

admin — Thu, 29 Jul 2010 19:22:58 +0000

The legal profession, like the clients it serves, is well on the way to going global—but especially in India, obstacles to its spread remain LAW is supposed to be about universal principles: rules that apply without prejudice to a broad category of human beings, regardless of sex, culture or economic status. So in a world where barriers to the transfer of goods, expertise and people are coming down, you might expect that the legal profession would be among the first to fuse into a seamless transnational fraternity. In history, whenever cross-border commerce has flourished, as in medieval Venice, so too have trade lawyers with broad horizons, like the ones pictured above. And today, at least from the vantage-point of the ambitious practitioner, the legal profession seems to have little respect for borders. A talented graduate from any of the world’s top law schools can expect a life of globe-trotting. A single month’s work can include writing the small print on a Saudi investment in Africa, helping an Indonesian firm to market its shares in New York, and writing a contract under English law between two companies in Russia. Humanitarian law, as well as the commercial sort, is going global: these days nobody would be surprised to see an American lobby group test the principle of “universal jurisdiction” (for egregious crimes) by trying to get an African dictator arrested on a shopping trip to Europe. …

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Law and globalisation: Not entirely free, your honour

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Economist.com

admin — Sun, 25 Jul 2010 06:31:49 +0000

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Calcium for bone health

admin — Fri, 23 Jul 2010 13:32:17 +0000

A life is pleasant, what is relatively painless. The use of supplements, the health of the bones is not in the right direction. For strong bones and helps reduce the joint proposal of the joints in the body in everyday life. Add bone health supplements to your daily routine are a great way to get your body needs the nutrients to stay strong and be healthy. Fortunately, it is never too late to begin these supplements at any age, and you will reap the rewards can be realized. Prevent or reverse bone loss is the goal of many people who start a diet like this. Course, consult with your physician is always recommended.

After talking to your doctor that you are better equipped to follow an exact course, the diet, exercise, bone strengthening vitamins and minerals that are matched well to your individual needs. For example, it is generally known and accepted that sufficient calcium one way is to strengthen your bone health. It is only if you have the correct type. The types of calcium is the most effective, which started on your diet are calcium carbonate and calcium citrate. Fortunately, no bottle have added labels on the shelves that give the type of calcium found in the interior.

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Social networks and statehood: The future is another country

admin — Thu, 22 Jul 2010 16:51:37 +0000

Despite its giant population, Facebook is not quite a sovereign state—but it is beginning to look and act like one A COUPLE of months or so after becoming Britain’s prime minister, David Cameron wanted a few tips from somebody who could tell him how it felt to be responsible for, and accountable to, many millions of people: people who expected things from him, even though in most cases he would never shake their hands. He turned not to a fellow head of government but to…Mark Zuckerberg, the founder and boss of Facebook, the phenomenally successful social network. (It announced on July 21st that it had 500m users, up from 150m at the start of 2009.) In a well-publicised online video chat this month, the two men swapped ideas about ways for networks to help governments. Was this just a political leader seeking a spot of help from the private sector—or was it more like diplomacy, a comparison of notes between the masters of two great nations? …

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Social networks and statehood: The future is another country

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Computer security : A swarm of many stripes

admin — Thu, 22 Jul 2010 16:51:20 +0000

Hackers come buzzing in from expected, and entirely unexpected, places WHICH countries have the cleverest hackers? In a well-guarded room near the Potomac river, north of Washington, DC—to which very few people have access (biometric scanners can prevent any unwanted human presence)—there is a laptop that is finding the answer. The little machine is a honey-trap which has detected more than 11m failed attempts to penetrate its defences since it was put in place in early June. InZero, the web-security firm that set up the device, made it known through the shadowy world of hackers’ chat forums (a place so murky that you have to clean your computer well after going near it) that there was a document on the machine’s hard drive; and it challenged intruders to get hold of it. The results were revealing. Most would-be penetrators were polite in their self-presentation; their e-mails to the laptop had attachments which the reader was asked nicely to examine. Playing dumb, the recipients duly opened all those potentially deadly attachments, in the—so far correct—assumption that their defences would hold. …

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Computer security : A swarm of many stripes

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Hospital mergers: The war of the wards

admin — Thu, 22 Jul 2010 16:51:17 +0000

AT FIRST glance, hospitals seem an unattractive business. They are heavily regulated and often run by governments or charities. Doctors wield immense power. Patients have high and rising expectations. Rapid advances in medical technology drive costs relentlessly upwards even as governments try harder to restrain spending on health. And yet, consider the flurry of deals of late. On July 19th TPG and the Carlyle Group, two American private-equity firms, won a takeover battle for Healthscope, an Australian hospital chain, with a bid of $1.7 billion. In doing so, they edged out a bid by Kohlberg Kravis Roberts (KKR), another big American private-equity firm. Healthscope is Australia’s second-biggest private hospital firm, but it also has operations in New Zealand and south-east Asia. Another battle is brewing in Singapore. In March TPG sold its minority stake in Parkway Holdings, a chain operating 16 hospitals in half a dozen Asian countries, for $685m. The buyer was Fortis Healthcare, an ambitious Indian chain. This upset Khazanah, a Malaysian sovereign-wealth fund that already held a minority stake. In May it made an offer of roughly $835m for a majority stake. On July 1st Fortis put in a bid for all outstanding shares, worth perhaps $2.3 billion. A final verdict is expected by the end of this month. All this comes on the heels of several big hospital deals in America. In June Vanguard Health Systems, which is owned by the Blackstone Group, a big private-equity outfit, completed its acquisition of the Detroit Medical Centre’s hospitals for $417m. In March Cerberus Capital Management announced its $830m acquisition of Caritas Christi, a non-profit chain of hospitals based in Boston. Two big trends, one global and one local, explain this frenzy—and suggest that more deals are to come. The global trend is that demand for high-quality health care is exploding, as rich countries age and developing countries grow more affluent. The rub, notes Gary Ahlquist of Booz & Company, a consultancy, is that the supply of top-notch hospitals is rising only slowly. This mismatch has set off a scramble by investors for high-end hospitals both to cater to local demand and to meet the boom in medical tourism—an area in which Parkway was a global pioneer. Rana Mehta of Technopak, an Indian health consultancy, agrees. He believes that Fortis, which was started in 2001 by the billionaire brothers behind Ranbaxy, an Indian generics firm, requires a strong brand to help it expand internationally. The local explanation for the American firms’ investments in hospitals is Obamacare. America’s new health laws will reduce payments to hospitals while forcing them to invest in expensive information-technology systems, thereby squeezing margins. John Nelson of Moody’s, a ratings agency, argues that these reforms will favour large, efficient providers. He expects more takeovers of weak non-profit hospitals by for-profit chains. Many firms will struggle to cope with the trend towards greater technical and regulatory complexity, reckons Mr Nelson. Poorly-managed ones will fail and be swallowed. Investors who make hospitals more efficient, by contrast, will be handsomely rewarded. HCA, a big American hospital chain that was taken private in 2006, paid a dividend in January of $1.75 billion to its investors (chief among them KKR and Bain Capital, another private-equity firm). Still, as Obamacare’s reforms bite into domestic margins, returns are likely to diminish and American investors may again head overseas in search of healthier markets. Mr Mehta thinks Africa will be the next frontier. But as the Parkway saga demonstrates, the Yankee raiders will increasingly have to compete with well-financed local rivals. Powered by WizardRSS | Full Text RSS Feeds No related posts. Related posts brought to you by Yet Another Related Posts Plugin.

08numbers

admin — Mon, 19 Jul 2010 15:53:55 +0000

Phone number, Do you have phone number? is secret for you and me, for good phone number and easy to remember you must go to elitetele.com and find your favorite number. 08 numbers is one of many favorite number with good spell and good to see.. if you interest to plan for new ofcom rules. with forward planning, you must have good number and like to see..you must Request an expert call back on elitetele.com, try it and get a good day..

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Homeowners insurance policies have their limits.

admin — Sat, 17 Jul 2010 12:23:09 +0000

Sometimes life just is not fair. You think you have done everything absolutely right and then circumstances show you everything is turning out wrong. So it is that you get to see the end of hope played out in court cases. You know it should never come to this but, when it comes to people’s lives, there are few real choices if you feel you want justice. You do your best to be reasonable. You offer to settle. But the other side just fights on. It all comes down to willpower. Whoever is strongest will be left standing.

We need to go back to a time before the recession. This was a time of great optimism. People were getting married and planning their families around the idea of buying a new home. The first home would be the perfect nest for their first child. Property values would continue to rise and, as the family grew, they would keep trading up and cashing in their positive housing equities. This one family found a new estate just starting to build. They signed a contract in which the builder said it would deliver a residence in “a perfect condition”. There was also a set of minimum warranties imposed through the New Home Warranty Act of 1986 in Louisiana. As a third string to their bow, there was a cheap home insurance policy. During a tropical storm, the roof leaked and the carpets were soaked. What the couple did not realize is that the water triggered the growth of a toxic mold behind the leaking walls. Their newborn baby’s health was permanently damaged by this mold and, during the resulting stresses and strains of medical treatment and disputes with the builders and the insurance company, their marriage collapsed.

In court, the three members of the family now claim for their losses. The parents claim for the loss of value in the property and the failed marriage. Their daughter claims for personal injuries. Midway through, the builder’s insurance company agrees to pay out on the loss in value of the house caused by the defective workmanship. In the end, the parent’s claim for failed marriage is dismissed because it was caused by the poor construction of their home and that claim was settled. The first moral to this story is that you can only make two claims when they are independent of each other. If one claims flows naturally from another, settling one means losing the other. But the daughter can claim because she was not a party to any of the contracts. Her remedy is in negligence for personal injuries. The builder and insurers are therefore looking at third party liability and that falls within the scope of the home insurance policy.

Unintentionally, the court has done the right thing. It has protected the interests of a baby whose life was wrecked by defective workmanship. It has approved the payment to the parents for the loss in value when the property became uninhabitable. But dismissed their claim because the marriage collapsed. These things happen and, unless in exceptional circumstances, they are not covered by homeowners insurance policies. The only problem is that, in arriving at this result, the parents are liable to pay the builder’s and the insurers’ costs. In effect, therefore, they get nothing out of all the stress of events and their legal consequences. Supposedly, they will be wiser for this experience.

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Auto insurance for teen drivers

admin — Sat, 17 Jul 2010 01:34:12 +0000

Teenagers can’t hide their excitement when the time comes and they are old enough to drive their own cars and have their own driver’s license. What should a parent expect when the time comes and the teen gets behind the wheel? This is the question that bothers most parents. There’s no secret that teen drivers are the hardest to control and they tend to take a lot of risk due to their overconfidence and the desire to show off in front of their colleagues or friends. And there are a lot of accidents with young drivers being involved. With all that in mind a typical parent becomes very agitated and tries to find the best insurance solution for their young car owner. However, due to the trends linked to young drivers, teenager auto coverage is rarely a cheap service as compared to standard insurance policies. Most insurance companies charge higher rates for teen drivers, and if your young car owner chose a sports vehicle as his or her first car, expect to pay a lot for the insurance.

Teen drivers sure get quite unhappy because of such situation, however there are certain reasons for this that just can’t be overlooked by insurance companies. The statistics are objective, showing that the number of teen drivers getting involved in accidents each year is greater than with older drivers. That it often caused by the lack of practical driving experience and the general risk-taking attitude most teen drivers share. No surprise that insurance companies are setting higher rates for young drivers, as they need to assess their risks correspondingly. It may seem that there’s no way to get cheap car insurance for a young driver but it is not so. There are simple tips on how to minimize teen insurance rates and here are some of them.

First of all, make the teen forget about a stylish sports car that roars with speed and power with the slightest push over the gas pedal. Don’t buy a small car too. The best choice for young inexperienced driver will be a larger car, preferably a sedan that will be both big enough to survive a serious crash and safe enough to keep your teen protected. Whether used or new, the car should carry all the necessary safety feature and be just as fast as needed, not over the top or too slow.

A used car is better for a young driver, first of all because it will be cheaper to insure and because sooner or later your teen will have an accident. And it’s cheaper repairing an old car than wasting your nerves and money on trying to fix an expensive new ride. This may be not the cheapest car insurance option, but it sure will save you a lot of cash before your teen gets older.

And don’t forget about discounts. First of all, you should teach your young driver how to maintain a good driving record. The cleaner it is, the lower will be his or her premiums, so you should convince your teen to drive safely. Good students can opt for discounts too. Most insurance companies offer discounts to students with an average of B and above, so that should be a good kick for better marks too.

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Homeowners insurance does not cover damage to land.

admin — Fri, 16 Jul 2010 23:38:42 +0000

What happens when the gulf oil comes ashore?

There is a sad fact of life when it comes to dealing with insurance companies. You should read all the small print before you buy a policy and, if you are surprised at how the insurer decides to interpret the policy when you make a claim, you must be ready with an attorney. Telling it as it is: insurance companies like to make a profit. If they have to pay out too many big claims, their profit starts getting small. That gives them an incentive to keep finding new ways to avoid paying out. When Hurricane Katrina hit the Mississippi Gulf Coast, home owners discovered their policies covered storm damage, but limited or excluded claims arising from flooding. The cause of much of the damage was a storm surge where the wind drove the water to higher than usual levels. The issue for the courts was whether the resulting damage was covered as storm damage or excluded as flood damage. The practical reality was that, for the people whose homes were damaged, the precise cause and effect mattered little. They had lost their homes. For the insurance companies, the courts were deciding claims worth billions of dollars. Needless to say, the courts at state and federal levels gave often wildly different interpretations and produced very different results. That is what happens when vast numbers of people line up to sue multiple defendants. Some win. Some lose.

One of the more interesting outcomes of the litigation was the decision of some insurance companies to stop selling policies in the Gulf states. They gave as their reason the increasingly uncertain legal environment. The companies that still write home insurance coverage now have different language. Policyholders hope the law will be on their side. The attorneys acting the the insurance industry remain confident they now have their clients protected.

Over the last few weeks, we have been watching a new slow-motion threat emerge in the Gulf of Mexico. The Deepwater Horizon rig operated by BP exploded and, with the pipe broken on the sea bed, crude oil is now pumping out into the water. Oil has already started to come ashore in Louisiana. Residents in the other states are taking out their policies to see what the small print says. So let’s say the average home owner with a property on the coast has a standard home insurance policy, federal flood insurance, hurricane and windstorm coverage, sinkhole coverage, and so on. What will happen when the oil comes? Well, there will be terms allowing claims in the event of an explosion. Unfortunately, the destruction of the rig happened too far away for it to count directly. A court would have to find the explosion was the main cause of the oil coming onshore. Winds and tides play their part in this process. So then we come to the terms allowing claims if the property is damaged by “pollutants”. Crude oil is a natural substance and not a pollutant as defined by insurers. But it is possible that, if it did damage the structure of your property, you would have a claim. Except, most properties are built on the land, not on stilts over the sea. Very few homeowners insurance policies cover damage to the land on which the house stands. The result? Win or lose, a lot of attorneys are going to get rich suing BP.

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