A simple artificial heart could permanently replace a failing human one

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Nearly 4,000 people in the US are waiting for heart transplants. And on average, it takes about six months to get one, during which time some patients will die.

So researchers have been trying for decades to make an artificial heart that can be permanently implanted. But building one that imitates a real heart over a long period of time without breaking or causing infections or blood clots is incredibly difficult. One problem is that the more parts there are, the more things could go wrong.

To solve the problem, Sanjiv Kaul and his team at Oregon Health and Science University are developing an artificial heart with an extremely simple design—it contains a single moving piece with no valves. They believe it could be the first such device that could last the rest of a person’s life.

Read Article:  https://www.technologyreview.com/s/610462/a-simple-artificial-heart-could-permanently-replace-a-failing-human-one/?source=download-metered-content

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What different types of insurance can do to help protect your wealth and income

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Some people worry about their wealth not lasting their lifetime; others fret about overspending on insurance policies to protect themselves and their family. Still others wonder whether they need yet another professional to help them manage and achieve their overall goals.

These people all have something in common: they are identifying risks in their lives.

Every well-considered wealth-management plan includes an assessment of personal, property, and financial risk. Investments have risks that can’t readily be insured, so other risks must be managed in order to minimize threats to overall wealth goals. Fortunately, many of the personal risks that can threaten one’s wealth can be managed with proper insurance.

Read Article:  https://www.marketwatch.com/story/these-5-defensive-moves-can-protect-your-money-and-wealth-2018-03-05

 

To Understand Your Health Insurance Policy, You Must First Learn These 4 Terms

Like every social, political and economic policy in our country; health insurance is complicated. We started with an already complex system. Then Affordable Care Act (ACA) was passed, setting up insurance “exchanges” that offer consumers and small businesses a choice of health plans. While hugely beneficial to many, definitely muddied already murky waters. Then just when I started to understand ACA, Trump starts to dismantle it. But politics are only part of the blame in the healthcare jumble. God forbid you are navigating through the Consolidated Omnibus Budget Reconciliation Act (COBRA), Medicare or Medicaid.

With all of this chaos, is it any wonder that most Americans don’t understand their own health insurance policy?  A 2016 survey identified four key health insurance terms necessary for a basic knowledge of healthcare: deductible, co-insurance, co-pay, and out-of-pocket maximum . It found that just 4% of Americans are able to correctly define all four terms. My theory? We all put our hands over our ears and yell “LALALALA” anytime we hear anything related to healthcare. It’s all too much, we’re never going to get it, so why bother? We’ll just sit in the mandatory new employee orientation, nod our heads at the appropriate times, and Snapchat under the table.

But it doesn’t have to be like this. So let’s all take a cleansing breath, and start basic. If you can grasp the above four terms, you can comprehend the basics of your policy. And you’ll be ahead of 96% of Americans.

Read Article:  https://www.forbes.com/sites/lizfrazierpeck/2018/01/31/to-understand-your-health-insurance-policy-you-must-first-learn-these-four-terms/#f3bb4757c1c6

A fascinating article about an art exhibition featuring daguerreotypes, a 19th-century photography technology.

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AMSTERDAM — At first glance, the pictures look like something recovered from the bottom of a Dumpster. They are pitted and scuffed, covered with rust spots that resemble blooms of algae or craters on the surface of the moon. Only close up can you glimpse an image of a city, almost too murky to see: the outlines of an apartment building, a scattering of roofs and chimneys. Whatever was originally depicted has left only the ghostliest of imprints.

These works, by the German artist Sylvia Ballhause, are in fact photographs of photographs: faithful replicas of a piece by the pioneering scientist, painter and printmaker Louis-Jacques-Mandé Daguerre. Made in 1839, “The Munich Triptych” was Daguerre’s three-part demonstration of an image-making technology he had invented and named, immodestly, after himself — two “daguerreotype” photographs of a Paris boulevard, which he framed alongside a domestic still life. Keen to attract publicity, Daguerre presented the triptych to King Ludwig I of Bavaria.

Read Article:  https://www.nytimes.com/2018/01/26/arts/foam-amsterdam-back-to-the-future.html?smid=tw-nytimes&smtyp=cur

What Is Wealth Management?

The term “wealth management” is thrown around plenty, in the boardrooms of private client firms, in trade and mainstream articles and by financial advisors in front of clients. Still, most professionals are hard pressed to actually define the term with any degree of precision.

Wealth management is very straightforward. From the affluent individual’s perspective, wealth management is simply the science of solving/enhancing his or her financial situation. From the financial advisor’s perspective, wealth management is the ability of an advisor or advisory team to deliver a full range of financial services and products to an affluent client in a consultative way.

Read Article:  https://www.forbes.com/sites/russalanprince/2014/05/16/what-is-wealth-management/#73aa19a8133e

How to Choose a Financial Planner

Financial planners advise clients on how best to save, invest, and grow their money. They can help you tackle a specific financial goal—such as readying yourself to buy a house—or give you a macro view of your money and the interplay of your various assets. Some specialize in retirement or estate planning, while some others consult on a range of financial matters.

Read Article:  http://guides.wsj.com/personal-finance/managing-your-money/how-to-choose-a-financial-planner/

The Ultimate Guide to Understanding Insurance

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Understanding insurance can be tricky, so it’s crucial to have a working understanding of your coverage and what you need. This can make a major difference in the price you will pay, as allow you to understand how your choice of insurance will protect your lifestyle, assets, and personal property.

Insurance Is About Financial Security and Protecting Your Independence

It may seem like you need to study volumes of books and information to understand insurance, but at its core, the principle of insurance is very basic:

When you have something to lose, and you know that you could not afford to pay for a loss yourself, insurance provides a way for you to protect your investment, lifestyle, and assets by paying a small amount of money every month in exchange for the assurance that if something goes wrong, the insurance company will have your back in the form of financial compensation.

Read Article:  https://www.thebalance.com/personal-insurance-4073983

THE RACE FOR AR GLASSES STARTS NOW

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Though the Next Big Thing won’t appear for a while, we know pretty much what it will look like: a lightweight, always-on wearable that obliterates the divide between the stuff we see on screens and the stuff we see when we look up from our screens. “We know what we really want: AR glasses,” said Oculus’s chief scientist Michael Abrash at Facebook’s F8 developers’ conference in April. “They aren’t here yet, but when they arrive they’re going to be the great transformational technologies of the next 50 years.” He predicted that in the near future, “instead of carrying stylish smartphones everywhere, we’ll be wearing stylish glasses.” And he added that “these glasses will offer AR, VR, and everything in between, and we’ll wear them all day and we’ll use them in every aspect of our lives.”

Read Article:  https://www.wired.com/story/future-of-augmented-reality-2018/

Some interesting predictions of cyber insurance trends for 2018.

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What will cyber insurance buyers face in the coming year? Here’s a snapshot of the top five trends buyers can expect, based on findings from our 2018 Marketplace Realities Report: Cyber risk.

1. Total annual cyber premiums will continue to climb as more companies seek coverageGlobal premiums, which are around $2.5 billion now, will continue to rise and are expected to reach $10 billion by 2020. As newer, more powerful attacks and threats emerge, organizations that haven’t already purchased cyber insurance will likely consider doing so. For example, the WannaCry and NotPetya attacks cut across industries and regions that previously weren’t considered as having significant cyber exposure. Given the size, scale and financial and reputational impact of recent cyber incidents, expect those sitting on the sidelines to give serious consideration to purchasing cyber insurance.

Read Entire Article:  https://blog.willis.com/2017/12/5-cyber-insurance-trends-to-watch-for-in-2018/

Three new species of zoantharians described from coral reefs across the Indo-Pacific

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Three new species of zoantharians — relatives of the better-known hard corals and sea anemones – were discovered in southern Japan. One of them, Antipathozoanthus remengesaui, was named after the current president of Palau, Tommy Remengesau, in honor of his and the nation’s support to the authors and marine conservation as a whole. The species can be found widely across the Indo-Pacific.

Read Article: https://www.sciencedaily.com/releases/2018/01/180104120320.htm