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Companies that have publicly traded securities typically use transfer agents to keep track of the individuals and entities that own their stocks and bonds.  Most transfer agents are banks or trust companies, but sometimes a company acts as its own transfer agent.

Transfer agents perform three main functions:

1.      Issue and cancel certificates to reflect changes in ownership. For example, when a company declares a stock dividend or stock split, the transfer agent issues new shares.  Transfer agents keep records of who owns a company’s stocks and bonds and how those stocks and bonds are held—whether by the owner in certificate form, by the company in book-entry form, or by the investor’s brokerage firm in street name. They also keep records of how many shares or bonds each investor owns.

2.    Act as an intermediary for the company. A transfer agent may also serve as the company’s paying agent to pay out interest, cash and stock dividends, or other distributions to stock- and bondholders.  In addition, transfer agents act as proxy agent (sending out proxy materials), exchange agent (exchanging a company’s stock or bonds in a merger), tender agent (tendering shares in a tender offer), and mailing agent (mailing the company’s quarterly, annual, and other reports).

3.    Handle lost, destroyed, or stolen certificates. Transfer agents help shareholders and bondholders when a stock or bond certificate has been lost, destroyed, or stolen.  If this has happened to you, read our publication entitled Stock Certificates, Lost, Stolen.  Also, if you hold securities in your own name and want to transfer or sell them, you may need to get your signature "guaranteed" before a transfer agent will accept the transaction.  For information about transferring your securities, please read "Signature Guarantees: Preventing the Unauthorized Transfer of Securities" in our Fast Answers databank.

In many cases, you can find out which transfer agent a company uses by visiting the investor relations section of the company’s website.  You also can use the website of the Securities Transfer Association, a private trade organization of transfer agents.  The STA provides general information about the functions of transfer agents.  Please note that the STA is not equipped to respond to individual inquiries via the telephone, mail, or e-mail. Shareholders with any transfer related inquiries would be best served by speaking to the transfer agent or issuer for the security in question, or their broker-dealer.

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Experts Warn of Allergies Caused by Mobile Phone Accessories

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Experts Warn of Allergies Caused by Mobile Phone Accessories

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It is our everyday habit to hold on to our phones every now and then. If we can only estimate how many times we look into our phones every single hour, I would assume that everyone agrees if I say more than ten times?

There is no point denying the fact that people nowadays are too attached to their mobile phones. As they evolve, they gradually allow us to call, text, chat, email, pay bills, watch movies and videos and just get connected to the world. In other sense, we have become too dependent on our phones for a number of reasons including ease and becoming one with the trend. However, with the evolvement of technology and people, the dangers that we are facing also seems to double.

When experts once warn of the dangers our mobile phone can cause to our brains and disabling proper language comprehension based on numerous reviews and researches, they are currently warning us of the allergy it can cause if we frequently use our own mobile phone accessories.

According to a recent study published in the journal Pediatric Allergy, Immunology, and Pulmonology, continuously using our phones for 30 minutes plus throughout the day can increase the risk of cell phone-related allergic contact dermatitis (ACD) for those allergic to nickel, cobalt, and chromium. The Peterson Group, distributor of mobile phones and laptop peripherals in Taiwan with their research team on their recent awareness campaign inJakarta, Indonesia also stated, “Headsets, if kept on our ears for more than 2 hours, can accumulate 4,000 germs which keep on multiplying by the minute. These germs can crawl inside our middle and inner ear and eat away the bones. Since the ear only has a thin partition to the brain, this is not a laughing matter”.

As cell phone allergies are increasingly on the rise and laws restricting nickel use in consumer products remain ineffective, users can take several safety measures to limit their nickel exposure. Speakerphones now have rubber and protective screens which can minimize the exposure to germs. It is still important though that we use our headsets wisely.  Also, the duration and conditions of your cell phone play a big role in the likelihood of getting a reaction.

Experts also advise to refrain from using fraud copies of accessories to avoid double exposure to germs and also from unexpected technical malfunction and other substances that can further cause harm.

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What Will Surgery for a Torn MCL Cost? by Dr Howard Marans MD

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What Will Surgery for a Torn MCL Cost? by Dr Howard Marans MD

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Surgery For A Torn MCL

In general, a knee injury creates pain and reduces range of movement. Each knee injury is different based on the person’s health, degree of damage, and various other factors. Receiving an accurate diagnosis from an orthopedic surgeon will help determine if surgery for a torn MCL is necessary.

The out of pocket costs may be difficult to estimate. Each individual will have different aspects to consider that will affect the final payment. The amount of health insurance coverage is the major contributor in the treatment program costs.

What is a Torn MCL?

An injury due to bending or changing directions can create a rip or tear in the medial collateral ligament or MCL. The MCL is located on the inner side of the knee; connecting the thigh bone and the lower leg together. When the knee is injured, the MCL can rip or tear creating a need for treatment. Depending on the degree of injury, each treatment option will have specific costs.

Non-Surgical Treatment Methods

The less expensive and least invasive treatment for a torn MCL is the non-surgical approach. In some cases, the non-surgical methods are all that is needed to heal.

Protect the injured area by using a brace or other support agent to help keep the knee from moving. Continually moving the knee will create further damage and lengthen the recovery time.

Use a set of crutches to help keep weight off from the injured knee.

Apply ice to the area to help reduce any swelling and pain. Unless directed otherwise by a health care professional, the ice can be placed on the knee for a length of 15 minutes every three hours.

Apply compression to help reduce swelling through the use of an elastic bandage.

Elevation of the knee area can help reduce swelling and allow for fluid to drain properly.

Physical therapy or exercises may be prescribed as a way to restore strength back to the knee area.

Surgery for a Torn MCL

After receiving an accurate diagnosis, surgery for a torn MCL may be the only option. If the MCL is torn completely, surgery is the only way to repair the painful damage. The cost of surgery for a torn MCL is determined by different variables.

Health care coverage is the primary variable in determining costs. Deductibles and co-pays are usually the out of pocket costs for a patient with significant coverage. Each health insurance policy is different; checking with the provider will help in estimating a total. A person with no coverage can pay over $20,000 for surgery for a torn MCL.

Degree of injury is another factor in costs. The higher amount of damage will usually raise the amounts of co-pays, deductibles or percentage of coverage.

The surgeon is out of the health care network. Everyone wants the best possible care when dealing with a long lasting injury that can affect the overall stability of the knee.

Torn MCL Surgery Costs

The costs for surgery for a torn MCL may seem high. However, finding the best treatment for the injury is vital for returning to a healthy lifestyle. An experienced surgeon, Dr. Howard Marans will accept PPO and will work with other insurance develop a treatment program without creating financial hardship for the patient. Please click below to schedule your consultation or call us at 714.979.8981.

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Dr. Richard Isaacs, MD: A Man with a Lifetime Medical Mission

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Dr. Richard Isaacs, MD: A Man with a Lifetime Medical Mission

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In general, medicine is recognized as a very broad area of study and involves so many various fields of health-care as well as different approaches and applications, whether we are talking of traditional, alternative and even emotional-healing practices. Most people, however, rely on the general field of medical practice accepted by countries and societies as the scientific and professional field of health-care practiced by graduates of Schools of Medicine and are referred to as Doctors of Medicine (MD’s).

Today, the willingness or passion to provide people with physical healing is not fully applied or recognized without leaving the comfort of one’s world and into the greater arena of the vast majority of people who need healing and proper medical care. The worldwide web has significantly eased the problem of how to make health care readily accessible to others. And, obviously in medicine or the medical profession, as it is often referred to by those tasked with providing health care to the ailing patient, the patient must not only seek the doctor; the doctor must also make himself or herself available and accessible as much as possible.

The physician or MD, in general, needs to be fully equipped and qualified to offer basic health care using methods accepted by most public health-providers in accordance with modern professional health-care methods. However, we all know that even old traditional healing approaches, which have been proven by modern research to be effective and are administered by more and more doctors along with modern medical practices, for instance, acupuncture, chelation and others. Which means that we have advanced in such a way that we have greatly enhanced the human power to serve the health needs of many people who require effective medical attention. Likewise, those who are given the function of administering such highly-specialized expertise must have a source of surplus amounts of diligence, persistence and altruism not easily available to majority of people.

A primary model of this innovative professional medical practitioner is Dr. Richard Isaacs, MD, who has availed of the Internet to widely post his qualifications and his specialization to more people needing his particular field of practice. This direct way of promoting one’s profession to the greater community online may seem a bit unusual and even suspicious to many. Yes, it may even seem to demean the respected position the medical doctor whom many view as being more altruistic or unselfish than other professions.

However, that may have been true in former times when doctors plied their trade as mainly unrecognized or unappreciated employees of medical institutions or small-time family doctors running day clinics in distant towns. At present, however, doctors organize and put up poly-clinics offering alternatives to hospitals as diagnostic and medical-consultancy centers in many urban areas. Yes, gone are the days when doctors hang up front-door signs and worked as free-lance-private doctors for a small regular clientele within a neighborhood or a residential subdivision.

The increase in the number of doctors and medical-health practitioners has also altered the way medical services are administered or practiced, especially with the advent of increased medical specialization and use of advanced medical technology. Hence, a physician in some cases is not required to physically visit a patient in order to serve his or her needs which may not include surgery or delicate attention by a physician and which a nurse or a training physician can readily handle. And even in more serious cases where the physician is not available as long as there are other skilled health-givers who can take the place of the doctor without endangering the patient unduly. It is, in fact, not uncommon now for a patient to be in a hospital for a day or two without having seen a specialist, who may be unavailable, while providing the needed proper medical attention through other available doctors. The way medicine is practiced nowadays has evolved with the times and the demands of modern world, whether we understand it or not.

As such, having a doctor such as Dr. Richard “Rich” Isaacs post his qualifications and experiences online provides a refreshing view of the medical profession not only in its application but likewise in its accessibility to people who require it. Thanks to people such as Dr. Isaacs for opening an innovative alternative to looking for medical help minus the trouble of walking or asking around for the proper medical attention needed so direly. And often, in matters of life and death, time is of the essence.

Rich is trained in Facial Plastic and Reconstructive surgery and has wide experience in post-tumor facial reconstruction and facial reanimation surgery and has an Advanced Certification in Head and Neck Oncologic Surgery, specializing in orbital, nasal, and maxillofacial surgery, as well as thyroid and parathyroid surgery.

To get an appointment with Rich Isaacs, get his contact info on this website and dial away. Didn’t we say he is available and accessible? Yes, he is within reach to anyone needing his specialization in Sacramento, California where he resides and works.

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The Secret to a Great Marriage, Meir Ezra

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The Secret to a Great Marriage, Meir Ezra

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Why are these statements all lies?

"The honeymoon is over. We can't get the spark back in our marriage."

"When I married you, I expected you'd stay in love with me."

"This other person is my soul mate and so I've got to get a divorce."

When you meet someone and fall in love, it seems like your love will last forever. So you get married. You want a permanent feeling of love. Yet sooner or later, it happens . . . no more spark.

Maybe a marriage counselor tells you to take a weekend trip together. If you enjoy the weekend, you might feel a little spark again. But once you get back to your routine, the honeymoon is over again.

Maybe you try a drug or drink some wine to make your marriage better. If it helps, it is only temporary and then drops to new lows. Besides, who wants to depend on a chemical for a good marriage?

All too often, husbands and wives give up. They either learn to live with a dead relationship or get divorced.

The biggest lie is that once you get married, you can sit back and enjoy it. Unfortunately, a marriage does not exist just because you have a marriage license. A family does not exist just because you have children. Read more articles and advice from Meir Ezra