In 2014 SLT proudly announced its partnership with 15 international telecommunication operators representing 17 countries, in the formation of a consortium in order to build the South East Asia – Middle East – Western Europe 5 (SEA-ME-WE 5) state-of-the-art undersea cable system. The 1 st of February 2016 marked the arrival of this multi-regional superhighway in Sri Lanka by the opening of the – cable-landing station building for the SEA-ME-WE 5 in Matara.

The SEA-ME-WE 5 submarine cable system spans approximately 20,000 km whilst offering POP-to-POP (Point of Presence) solutions from Singapore to Europe via France and Italy. The system connects 17 countries and serves as a new platform for the future development in the ICT industry.

The conceptualization of the new submarine cable system evolved around the capacity requirements of inter-continents to support the next generation of Internet applications, which come from every part of the world. The SEA-ME-WE 5 is designed to provide upgradeable transmission facilities by adopting the latest state-of-the-art multiple 100 GBPS technology. When fully loaded, the SEA-ME-WE 5 cable system is capable of carrying a total 24 Terabytes per second: the equivalent of transmitting around 4800 high-definition movies every second.

Aside from being the leader in ICT solutions in Sri Lanka, SLT is also globally connected with a number of other countries including the members of the consortium. As such the organization understands the importance of joining Sri Lanka to the new cable system since almost all international communications between nations are done through undersea cable networks, much like the SEA-ME-WE 5. The SEA-ME-WE 5 plays a valuable role in developing the country s ICT industry as well as helping Sri Lanka join the ranks of advanced and developed nations around the world.

Sri Lanka Telecom started the New Year with yet another bang by laying the foundation stone to the first and only Tier 4 ready Data Centre in Sri Lanka on the 1 st of February 2016.

This new move by SLT will save enterprise customers and government organizations large sums of money by eliminating the need for maintaining their own data centers. The rental payment expected from the customers will far less in comparison to the amount they will be required to spend in order to have their own data centers. SLT intends to provide expert knowledge and bear all costs associated with space, protection, disaster management etc. All data -at data centre has been stored lawfully and is thus secure against any such vulnerability.

The new data Centre to be introduced by SLT will have a capacity of – 500 racks. Customers will be able to hire racks as and when they want and they need only pay for what they consume. Located in newly proposed Tech city area, the data center will be completely dedicated towards operations as well as offering corporate customers access to convert it into their office if needed.

The functions of SLT are based solely on the needs of the consumer and as a major part of the backbone of Sri Lanka s ICT industry SLT is dedicated to developing the country s ICT infrastructure in every way possible.

Both these events -took place at the President s Official Residence where His Excellency President Maithripala Sirisena virtually opened the new building of SEA-ME-WE 5 cable landing station at Matara and laid the foundation stone to the new Internet Data Center.


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Define erectile dysfunction

ERECTILE dysfunction, otherwise known as impotence, could be cured with a revolutionary injection which also improves average penis size.

The P-shot or the Priapus shot, named after the Greek god of fertility, is a blood-based treatment used to cure erectile dysfunction and increase penis size in patients.

The shot was pioneered by Dr Charles Runels, an American MD who specialises in sexuality issues.

The procedure is not for the faint-hearted, as the patient’s blood is withdrawn and processed through a centrifuge to create platelet-rich plasma which contains growth factors.

The plasma is then injected into specific areas of the penis using an ultra-thin needle. The process is already used in sport medicine to rejuvenate torn ligaments.

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Define erectile dysfunction

Define erectile dysfunction

When I first started doing cosmetic procedures to sculpt the face, it occurred to me that it would be wonderful to do the same thing to the penis

Dr Charles Runels

Dr Runels uses it to increase penis size by ten to 20 per cent and improve blood flow for a stronger, harder erection.

Runels, the inventor of the notorious Vampire Facelift spoke about the procedure to GQ and said: “When I first started doing cosmetic procedures to sculpt the face, it occurred to me that it would be wonderful to do the same thing to the penis.”

The treatment is described on the P-shot website, which says: First the doctor or nurse applies a numbing cream to the Penis and the arm. Then blood is drawn from the arm in the same was as with any blood test.

Then, using a high speed centrifuge, platelet rich plasma is isolated from the red blood cells, and contains valuable growth factors.

Define erectile dysfunctionGetty Images

Erectile dysfunction injection cure can also increase penis size by up to 20 per cent

13 facts you didn’t know about the penis

Interesting facts about the penis including average penis size, erections, sensitivity and sexual pleasure

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The average penis measures 3-4 inches from tip to base [Reddit]

The whole process takes about 30-40 minutes and is done in the room with the patient. Then, using a very thin needle, the growth factors are injected into very specific areas the penis.

Because this area has been numbed with the anaesthetic cream, the patient feels little or no pain.

Results take from a few days to four weeks to show, and are claimed to last 12-18 months. P-shot costs from 1,000. pshot.co.uk.

Injecting blood isn t the only treatment being trialled to improve sexual dysfunction – a study in the Journal Of Urology researching new therapies for erectile dysfunction found that “neovascularisation using vascular growth factors have been demonstrated to be feasible in animal models”.

Define erectile dysfunctionGetty Images

The P-Shot works by taling blood from the patient and running it through a high speed centrifuge

This means if you inject growth factors into a human penis, it will grow new tissue and blood vessels. This has yet to be trailed on a human though, so the treatment is not available in the UK.

Those suffering from erectile dysfunction have welcomed plans to introduce viagra into pharmacies without prescription.

Men would be able to buy the drug, which is used to treat erectile dysfunction after a consultation with pharmacists.

The proposal is set out in a consultation that runs until April 17 from the Medicines and Healthcare products Regulatory Agency (MHRA).


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November 21, 2014 by Tabrej

LIC Jeevan Shagun Single Premium, Money Back Plan (Table No. 826) It’s a close ended plan, Available for 90 days from 1st November 2014. Features: Single Premium Money Back Plan 10 times sum assured Loan Surrender available from 2nd year onward 12 Year Term Surrender any time. Death Benefit: If policy holder dies within 5 years, Basic sum assured i.e 10 times of your [Read more. ]

February 24, 2013 by Anushka

LIC Jeevan Sugam (Table No. 813) is latest addition to single premium investment plan in LIC’s portfolio. This is non-ULIP guaranteed maturity plan. Anyone between 8 years to 45 years of age can invest in this insurance cum investment plan. The plan term is 10 years, but you can surrender it anytime or even you can take loan on policy next day itself at an attractive rate. Plan no.813 is suitable [Read more. ]

LIC Jeevan Vaibhav (Plan No.809) is a non-link one time premium endowment assurance policy. Jeevan Vaibhav is a guaranteed return plan. Being a non-link plan share market risk is Nil. Policy Availability: LIC Jeevan Vaibhav is a close ended plan. It will be available for sale from 21st May, 2012 for a maximum period of 120 days. Benefits: Death Benefit: During Policy term, [Read more. ]

LIC Jeevan Vriddhi (Plan No.808) is a single premium investment plan which offers guaranteed returns. Jeevan Vriddhi is a traditional plan so share market risk is not involved in this close ended plan. The plan is launched on 1st March 2012 and will be avialable for investment till 120 days only after which the plan will no longer be available for subscription. LIC Jeevan Vriddhi at [Read more. ]

Bima Nivesh 2005 Plan Summary: Bima Nivesh 2005 (Table No.171) is an investment plan that gives you compound rate of guaranteed additions and loyalty additions. Bima Nivesh 2005 is the revised version of our popular Bima Nivesh Plan 2004 and is introduced to meet the overwhelming demand for a single premium plan from LIC customers. Bima Nivesh 2005 is a single premium, ideal investment plan for [Read more. ]

LIC Jeevan Nidhi Pension plan Summary: Update: New Jeevan Nidhi Table no.812 launched. Refer to http://www.mylicindia.com/new-jeevan-nidhi-812/ If you want to ensure a pleasant life after retirement, then you should consider LIC’s Pension Plan. In other words, now you can retire at the age of 40 with Life Insurance Corporation of India’s pension plan. LIC’s Jeevan Nidhi (Table [Read more. ]

February 21, 2010 by Anushka

Bima Bachat Summary: LIC Bima Bachat (Table No.175) is a single premium money-back policy. Bima Bachat offers financial security and assurance to the policy holder and his family. Benefits: Death Benefits: During the Term of the policy if the Life Assured is dead, apart from survival benefits if any, paid earlier, an amount equal to SA will be paid. Survival benefits: Survival [Read more. ]

February 9, 2010 by Anushka

LIC Wealth Plus (Table No.801) is an investment plan for limited time offer! LIC Wealth Plus Summary: LIC’s Wealth Plus (Table No.801) is a ULIP insurance plan that protects your investment from market fluctuations, so that your investments are protected in financially volatile times. Wealth Plus offers Guarantee of the highest NAV in the first 7 years of the policy, subject to a minimum [Read more. ]

November 2, 2009 by Anushka

LIC Jeevan Nischay Summary: (Table No.199) Jeevan Nischay is a close ended single premium policy with guaranteed maturity benefits exclusively for existing LIC policy holders. Advantages of Jeevan Nishchay: Single Premium policy. Guaranteed Maturity benefits with provision of loyalty additions. Plan is exclusively for LIC policyholders. Wide range of policy terms options. Assured [Read more. ]

September 4, 2009 by Anushka

Summary: LIC’s Jeevan Mangal is a term assurance plan with return of premiums on maturity. “Jeevan Mangal” – the micro insurance product is customized to cater to the distinct needs of the most vulnerable low income sections of Indian population. Benefits: Death Benefit: On death during the term of the policy the Sum Assured under the basic plan is payable, provided the policy is kept in [Read more. ]



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Launched in 2006, LeveL ATS provides a continuous crossing platform, giving customers the opportunity for seamless trading in a highly stable dark pool environment while minimizing information leakage and market impact.


Order Matching – Executions will occur between 9:30am – 4:00pm EST. * (Holiday hours as the exception) Q9: HOW DO I ENTER AN ORDER ON LEVEL ATS? A9: LeveL ATS supports order entry via FIX 4.2 only. Q10: WHAT SECURITIES DOES LEVEL TRADE? A10: LeveL ATS trades NMS securities that are listed to trade in 100 share lots. Q11: WHERE DOES LEVEL ATS GET ITS MARKET DATA? A11: LeveL ATS sources market data from SIP feeds, delivered from the Thesys Technologies, LLC ticker plant solution. Q12: DOES LEVEL ATS EXECUTE OUTSIDE THE NBBO? A12: No. LeveL ATS is designed to execute at or within the known NBBO at the time of the execution. Q13: WHERE DOES LEVEL ATS PRINT ITS TRADES? A13: LeveL ATS executions are printed to the FINRA/NASDAQ TRF. Q14: HOW DOES LEVEL ATS DETERMINE A SYMBOL AS “OPEN”? A14: LeveL ATS uses trade reports from CTS/UTDF. Each trade report signifies whether that trade is “last sale eligible.” The symbol is deemed to have been opened when the first trade report is received and is marked as “last sale eligible” as determined by the consolidated tape. Q15: WHAT IS THE PRIORITY MODEL FOR ORDER MATCHING? A15: LeveL ATS is designed to match all orders based on Price/Time priority logic, barring additional execution instructions. Q16: WHAT ORDER TYPES DOES LEVEL ATS SUPPORT? A16:

LeveL’s default system setting for Firm Orders is to not generate invitation requests, (IOIs). Subscribers have the option to request that this default setting be removed for their orders. Once removed, subscribers may designate, on an order-by-order basis, which of their Firm Orders are ineligible to generate a Firm-Up Invitation (IOI) to Conditional Orders.
Q18: HOW DOES LEVEL ATS HANDLE CONDITIONAL ORDERS? A18: A Conditional Order is an instruction to the ATS that the participant wants to interact with the order book on a conditional basis. A Conditional Order never executes; instead, when a Conditional Order would have otherwise matched with a contra party, the Conditional Order will be canceled by LeveL ATS and an invitation will be sent to the originating participant, inviting them to send a Firm-Up Response Order.

Firm-Up Response Orders will only execute at the Midpoint of the NBBO at the time of the execution.

Where two Firm orders are eligible to match at multiple price levels, LeveL ATS will seek to match the orders at or within the NBBO at the midpoint of the trading range as determined by each order’s instructions.

July 11, 2017


Should you convert rollover IRA to Roth?

Dear Dr. Don,
I m 35 years old, married, with a joint adjusted gross income of $128,000 last year. I have $28,000 in a Roth IRA, $68,000 in my current employer s 403(b) and $19,500 in a rollover IRA. (I rolled over a 401(k) from my previous employer.)

With all the talk about converting a traditional IRA to a Roth IRA. where does a rollover IRA stand on this issue? Is a rollover IRA a traditional IRA that I should think about converting to a Roth? Or does it act like a Roth and I don t have to worry about it?
Nancy Nestegg

Dear Nancy,
Let s take a step back and call the transfer of funds from your previous employer s 401(k) plan a rollover contribution into a traditional IRA. That makes it clearer why the account doesn t act like a Roth IRA and why you should still consider whether you want to convert to a Roth IRA.

The traditional IRA doesn t act like a Roth IRA. The traditional IRA is a tax-deferred retirement account. The Roth IRA isn t tax-deferred, it s tax-advantaged. Qualified distributions out of a Roth are tax-free in retirement. Qualified distributions out of the rollover IRA are taxed as ordinary income in retirement.

Should you convert? I think it makes sense if you can afford to pay the income taxes due from nonretirement account monies and the conversion income doesn t push you into a higher tax bracket. Before you convert, make sure it won t cause you to lose other tax credits or benefits.

By converting, you ll have a measure of tax diversification with the monies still held in your tax-deferred 403(b) plan, and you ve got a long investment horizon for the Roth monies to grow in value.

The Bankrate feature 7 steps to a 2010 Roth IRA conversion can help with the particulars, but you should get professional tax advice if you re uncertain about whether to convert.

Ask the adviser

To ask a question of Dr. Don, go to the Ask the Experts page, and select one of these topics: Financing a home, Saving Investing or Money. Read more Dr. Don columns for additional personal finance advice.

Bankrate s content, including the guidance of its advice-and-expert columns and this Web site, is intended only to assist you with financial decisions. The content is broad in scope and does not consider your personal financial situation. Bankrate recommends that you seek the advice of advisers who are fully aware of your individual circumstances before making any final decisions or implementing any financial strategy. Please remember that your use of this Web site is governed by Bankrate s Terms of Use .


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Getting Divorced? You Have Options

A Closer Look at Litigation, Mediation, and Collaborative Law

Couples often find the preliminary stages of the divorce process overwhelming because of the many issues they need to consider. Among these are questions about support, asset division, and children. Reaching agreement on these issues is almost never easy, and couples are often besieged with advice from well meaning friends and family, and articles such as this. The reason why this process can be so bewildering is because each situation requires a unique solution. Save the simplest cases, there are no standard resolutions. Thus, the guidelines of family law are intentionally flexible and lacking in clear guidance and rules. In light of this, couples must first understand their choices when getting a divorce. These include litigation, mediation, and collaborative law. Each approach has its advantages and its advocates. It is up to each couple to try to figure out what process suits them best, rather than focusing on specific solutions.

When should you choose collaborative divorce?

There are many law firms that limit their family law practice to collaborative divorce. Our firm does not. We offer a full range of services for divorcing people, including collaborative divorce, mediation and litigation advocacy, including trials in all courts in Massachusetts. We are committed to helping each client determine what approach is the most likely one to get them through the divorce process with the best outcome. We consider best outcome to include minimizing conflict and acrimony and maintaining post divorce relationships, in addition to financial results, which clients will sometimes make the mistake of concentrating on to the exclusion of other considerations. It is our belief that collaborative law optimizes the chances for a best outcome but it is not indicated in every case.


Everest University colleges at risk

Everest college tampa

Everest college tampa

TAMPA At four Everest University campuses across the Tampa Bay area, students are attending summer courses and enrolling for programs in massage therapy, master s degrees in business administration and everything in between.

What these students may not realize, however, is that Everest s corporate parent, Corinthian Colleges, is reeling financially, and has been forced by the federal government to sell or shutter its schools. Without a recent release of $16 million in federal funding, the once-profitable chain might have already closed its colleges doors.

California-based Corinthian has been under investigation by the U.S. Department of Education and several state attorneys general, including Florida s Pam Bondi, over allegations the company exaggerated job placement data and inflated grades and attendance in marketing claims to prospective students.

Those allegations join a litany of complaints from former and current students, from misleading recruitment pitches to unqualified and disinterested faculty, according to records in Bondi s office.

Corinthian s current troubles stem from January, when the Department of Education sought data on placement results, attendance and grade changes. Five months and five unanswered letters later, the department on June 19 slapped Corinthian with heightened financial oversight, which effectively froze federal financial aid money.

That money is the lifeblood of for-profit universities such as Corinthian s. The chain enrolls 72,000 students nationwide and takes in $1.4 billion in federal financial aid a year. The DOE put a hold on $16 million of that.

As a publicly traded corporation, Corinthian immediately filed documents with the Securities and Exchange Commission stating that if unable to obtain alternate financing, the Company s cash flows will not be sufficient to meet its obligations as they become due, which would cause the Company to be unable to continue as a going concern.

On June 23, U.S. Under Secretary of Education Ted Mitchell said the Education Department and Corinthian had agreed to a memorandum of understanding releasing the funding with the condition that Corinthian develop a plan to sell and teach out its programs across the country over the next six months. An independent monitor approved by DOE will oversee its finances and the sales process. Under a teach-out, a school ceases enrollment but faculty and staff remain in place until students complete their programs.

Facing disruption in the education of the 72,000 Corinthian students and the livelihoods of some 12,000 employees, the Education Department said it didn t have much of a choice. Students and their interests have been at the heart of every decision the Department has made regarding Corinthian, Mitchell said in a statement.

Kent Jenkins Jr., a spokesman for Corinthian, said administrators are in the process of completing an operating plan that will spell out what will happen at its Everest, WyoTech and Heald schools. Until it is complete, he said, he can t speculate on what might happen in the Tampa Bay area, except to say there has been no change in activity at the schools and that classes and recruitment have continued.

Everest has campuses in Tampa, Brandon, Lakeland and Largo. Its Everest University Online is based in the NetPark Tampa Bay complex on East Hillsborough Avenue.

From the time we started dealing with the issue that brought us to where we are, both the Department of Education and we have said that protecting the interests of students is a central priority, Jenkins said. The first principle that we agreed to in our memorandum of understanding that we signed last week was that we want to make sure students can continue their education without delay, interruption or additional cost.

Administrators at Everest s Tampa campus on Hillsborough Avenue declined to discuss the situation last week, referring questions to the parent company and directing a reporter off the property.

Corinthian declined to break out enrollment at individual sites. There are 10 Everest campuses in Florida.

Future enrollment is be ing allowed at Corinthian sites because it is believed they will be acquired and will continue as schools. Nonetheless, 12 U.S. senators have urged Education Secretary Arne Duncan to prohibit Corinthian from enrolling additional students. Florida s Bill Nelson was among the signatories, all Democrats.

The Corinthian schools here have also caught the attention of Attorney General Bondi, who is investigating Everest under Florida s Unfair and Deceptive Trade Practices Act.

The office would not comment on the case except to confirm that it is underway, but a case file illustrates the nature of the complaints.

Charlene Grayson, of Brandon, contacted Bondi s office when she discovered what she said were discrepancies in an accounting of her financial aid.

They think people aren t watching their financial aid, and I m one of those that did, Grayson told the Tribune.

The school had her responsible for $40,000 in financial aid, she said an amount that included such mysteries as attendance fees and room and board.

She said master s-level classes were taught by unqualified teachers and recruiters lied about the nature of the coursework.

They said all our programs were hands-on, Grayson said. Nothing was hands-on there. It just goes on and on and on.

Grayson now attends the University of Phoenix.

Tiffani Kovacs, who took online paralegal courses from Everest and now lives in Columbia, Missouri, told the attorney general s office she was informed her overall tuition would run $12,000 to $13,000. She said when she learned the actual bottom line would run about $50,000, she dropped out.

Kovacs has received a temporary deferment on about $20,000 of her debt but says collection agencies attempted to garnishee her paychecks.

They were after me. It was kind of a mess, Kovacs told the Tribune. The whole conversation that I had with the person who signed me up, I wish I would have recorded it. It was completely the opposite from what happened.

Other Everest students reported shock at student debt levels hitting $40,000 to $60,000.

A Polk County student who had a marijuana arrest reported that she was assured she could be certified and work in health care; she learned after completing her coursework that she could not.

Many complained that other schools did not recognize Everest s accreditation and their degrees were useless; one said she was told Everest was accredited just as Harvard is.

Jenkins, the Corinthian spokesman, said there is strong independent evidence that Corinthian s schools offer students a quality education and serve students well.

The AG s office is a state enforcement agency whose job it is to examine these matters. Unless the AG s office has found some merit in these complaints, it s deeply misleading to suggest they do have merit, Jenkins said.

With the company in regulators cross hairs, Wall Street has reacted. Corinthian shares traded in the $5 range in February 2012 but closed Thursday at 27 cents.

Corinthian is one of a number of for-profit college chains in hot water recently.

In December 2013, Education Management Corp., which operates Argosy University and The Art Institutes, among others, paid $3.3 million in restitution and fines to settle charges by the Colorado attorney general that it engaged in deceptive marketing.

Last summer, Career Education Corp., parent of Sanford-Brown and other schools, settled with New York state for $10.25 million over allegations it inflated graduates job-placement rates.

ITT Technical Institute has been sued by the Consumer Financial Protection Bureau over allegations of predatory lending practices, and the Federal Trade Commission is demanding information from DeVry University regarding its advertising and marketing practices.

In 2012, a two-year investigation of for-profit schools by the U.S. Senate Committee on Health, Education, Labor and Pensions produced what is known as the Harkin Report, a blistering condemnation of for-profit schools. It s named for committee Chairman Tom Harkin, a Democrat from Iowa.

The report concluded that half of students who enrolled in these colleges in 2008-09 left within four months; that the vast majority of students left for-profit schools with student loan debt that may follow them throughout their lives; and that the schools employ 2 recruiters for each support services employee.


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