Economy & Jobs Solution Launched With June Klein’s Distributed Public Expertise Site

Job solution harmonizes with 5th estate megatrend, Oxford Internet Institute research, British Airways contest winner, Oxford SAID presentation

NEW YORK, Dec. 14, 2010 — Technology & Marketing Ventures, Inc. (TMVi) developed a bi-partisan, integrated, creative, cost-effective, tax incentive proposal. Small businesses will get private capital to (i) purchase equipment with >50% US content from manufacturers; (ii) sell their tax benefits to any US taxpayer; and (iii) participate in a tax benefit clearinghouse. TMVi calls on the public to help get Ira Klein’s tax plan directly to Dave Camp, House Ways and Means Committee Chairman. The result would be the empowerment of a positive 5th estate phenomenon to jumpstart the economy and create jobs. To facilitate the evaluation process and provide a refinement mechanism, June Klein created a collaborative network for citizen experts who help solve government problems. The executive summary plan, process flow diagram and distributed public expertise site (DPE) are at and

Since 2009, June Klein, TMVi’s CEO, has been sponsor and partner with Director William Dutton, Oxford Internet Institute (OII), on evidence-based 5th estate research and Citizen Expert government strategies. June Klein’s DPE is a global business intelligence extension of OII’s work. She is also championing the 5th estate sessions and panels at OII’s 10th Anniversary in Oxford in September 2011. is the communications spectrum that drives social accountability.

Technology & Marketing Ventures, Inc. is known for formulating and executing strategies that change the competitive landscape. TMVi has done it with Electronic-Boardroom TMVi® solutions in electronic governance, trading, exchangamania, inheritance, lifestyles and now with electronic media and experts. The US Commerce Association acknowledged TMVi with the International Consultants Award for the 2nd consecutive year.

On December 6, 2010, June Klein was announced as a winner in the British Airways Face of Opportunity Contest based on the public number of votes received for over 1200 entries. Her video business pitch spotlighted as the most important concept for the next twenty years. June won an invitation to participate in exclusive New York and London events plus free travel to anyplace worldwide that would further her 5th estate and DPE related business. She was invited to explore Hong Kong, Australia and Africa opportunities. June decided to expand her US and UK progress by spending the time collaborating with OII’s 5th estate team members and others in Oxford and London from Feb 6-11, 2011.

Jessica Richman, OII 5th estate team/Oxford SAID scholar, is setting up a gathering and presentation. TMVi also welcomes collaborations on a blended value business model. At the core of TMVi’s value proposition is the social impact of creating jobs in the US and UK by using market-based strategies. TMVi needs to combine its social enterprise public expertise site and job-focused endeavors with a defined revenue-generating business.


Technology & Marketing Ventures, Inc.

June Klein, CEO & Electronic-Boardroom TMVi® solution builder
UScell: 917/601-2444

Ira Klein, General Tax Counsel
UStel: 212/628-2178
USfax: 212/744-2089
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IIb. Proposal 2- How to Avoid Prescription Medicine Mistakes

     How many times have you received a prescription from your doctor and said to yourself, “I hope the pharmacist can read this because it looks like Chinese characters”? There is a standing joke about the poor penmanship of physicians. However, this is no joke when it recklessly endangers a patient’s health.

     According to an analysis by the Institute of Medicine’s Committee on Quality of Healthcare in America, medical errors, including prescription errors caused by poor handwriting, might be partly or wholly responsible for 98,000 deaths a year. These medical error costs are in the billions of dollars. An analysis by the Institute for Safe Medication Practices stated,  
     “Virtually all of the prescriptions issued each year in the United States are written by hand. Indecipherable or unclear prescriptions result in more than 150 million calls from pharmacists to physicians, asking for clarification, a time-consuming process that could cost the healthcare system billions of dollars in wasted time. At the very least, that process can delay the time until patients receive their medications. At worst, a misread order can lead to injury or even death.”

     A number of commentators have suggested that physicians use electronic ordering tools to electronically transmit the prescription to the pharmacy. This suggestion has a number of weaknesses. First, the cost to equip all doctors and pharmacists with digital prescription ordering machines may be prohibitive and the cost will be passed down as higher physician fees, higher medical insurance premiums and higher drug costs. Second, authentication of the digital prescription has to be secure to prevent hackers from causing harm to the patient through mischief. The most important weakness in the use of a digital ordering system that is directly between the physician and the pharmacist is that it leaves the patient out of the loop. What we need is a secure electronic ordering information tool that enables the patient to be part of the loop.

     As stated in Part One, Maximizing Your Medical Advice, the patient must be actively educated about his or her medical care to be a successful patient. The patient should see the prescription, be able to read the prescription and question the prescription before leaving the physicians office. For example, if a patient has been treated for high blood pressure or high cholesterol, he or she will be familiar with the medication. If the prior medication provided for 10mg per day and the prescription says 100mg per day, the patient should immediately question the physician before leaving the office. In a digital ordering process between the doctor and the pharmacist which excludes the patient until the medicine is in the patient’s hands, the above mistake may not have been caught. Always look at the prescription before you leave the doctor’s office to make sure you can read it and understand what it is for. Ask the doctor to explain what the prescription is for and to clarify illegible handwriting. If your doctor is unwilling to explain and clarify the prescription, then get another doctor.

     A second proposal for change to our broken medical system, is to require all physicians to print or have office staff type the paper prescription. A hand printed prescription of 3 or 4 words and 1 or 2 numbers is not an unreasonable burden on physicians. In fact less cost will be associated with a printed prescription than a script prescription. The mandate to require printed prescriptions will require either legislation or state regulation by the medical licensing authority in the state. Significant monetary fines and warnings should be imposed on doctor’s writing script prescriptions. Two warnings will result in fines only, while a third infraction will result in a one week suspension of the physician’s medical license.

     This is a simple, no cost fix for a large physical, emotional and financial problem. All we need is the political will to mandate the use of printed prescriptions either by hand or machine and the cooperation of physicians. Since physicians take an oath to do no harm to their patients, this rule change should be readily accepted by physicians. 

     Last Tuesday I attended a lecture at a premier medical school given by two eminent microbiologists. The focus of the lecture was to educate the attendees about the flu and the risks of a possible worldwide infection (pandemic).

     Viruses cannot live outside the host. If human beings become immune to the virus, the virus will become extinct in humans. The smallpox virus killed over 300 million people in the 20th century. Through worldwide innoculations, the smallpox virus could no longer infect humans. Therefore, the smallpox virus is now extinct because there are no longer any human hosts it could infect.

     Viruses cause illness in humans by invading cells and replicating within the cells. The virus then spreads to other cells. Unless the immune system can control the virus, the virus will infect every cell and overrun the body. In some cases, death can result. Viruses are fought with the body’s natural immune systems or through vaccines. Vaccines stimulate the body’s immune system to produce antibodies to fight the disease. The viruses are isolated and then killed (inactivated) or weakened but live (attenuated). These killed or weakened viruses trick the immune system into an immune response namely the production of antibodies. The immune system does not distinguish between harmless dead or weakened viruses and a fully functioning virus. The immune response produces antibodies from the vaccine so when the fully functioning virus hits, it is met with antibodies which kills the virus before it can replicate throughout the body. Without the vaccine, the body cannot produce antibodies fast enough to stop the spread in the body of the virus.  

     The flu is a virus. A virus is smaller than bacteria or parasites. In fact, viruses are so small that if it were the size of a 3×5 index card, the cell would be the size of the old World Trade Center. The flu is classified as “A” type and “B” type. “A” types are subject to antigenic shifts. This means the virus has the ability to jump from animals to humans. A “B” type flu virus is a human virus that cannot jump from animals to humans. “A” type flu viruses can reside in birds, horses, pigs, whales, reindeer, seals and camels before jumping to humans.

     The 1918 Spanish flu killed 675,000 people in the US and 50 million worldwide. The high death toll could be attributed to the lack of knowledge about the flu. Health authorities believed the flu was a bacterial infection. Even if antibiotics existed in 1918, they would have been useless against the flu virus. Antibiotics are effective only against bacterial infections but are ineffective against viruses. The flu virus was not isolated until 1933. It is hard to believe how far medical science has come in the 90 years since the 1918 flu.

     The “A” flu virus has 16 different subtypes. There are currently 3 types of flu viruses circulating in the human population. These are H1, H2 and H3. The H1 and H3 strains were included in this year’s flu shots.

     The worry in public health circles is the H5 bird flu. There is currently no vaccine for humans for this flu virus. Various antiviral drugs may help if there is an outbreak. Currently, microbiologists report there has been no jump of the bird flu to humans. Of the 175 cases reported in humans worldwide, all had close contact with chickens or other birds. The bird flu has not yet appeared in the US. The scientific thinking is that the infection of the 175 people was caused by ingestion of infected birds without proper cooking. This released massive amounts of the bird flu virus into the bodies of the victims. Heat through proper cooking will kill the virus.

     The 1918 flu virus although extinct contained certain genetic proteins that made it lethal in humans. If that genetic protein combined with other flu viruses, a health problem could result. The best current scientific evidence is that the bird flu will not jump to humans but constant mutations in the virus requires significant monitoring.

     To summarize, 1) get your flu shot every year, 2) the bird flu is not currently a significant risk of jumping to humans from human contact and 3) chicken is safe to eat as long as it is cooked thoroughly. Chicken should be cooked thoroughly to avoid a bacterial disease called salmonella poisoning.    

      In my opening remarks, I tried to bring patients to the realization that medical services are dispensed in an inefficient manner. This inefficiency is largely due to the fact that the US medical system is broken and sorely in need of reform. Reform of the medical system will not happen soon. Therefore, we patients must adapt to the current medical system by maximizing the benefits of the medical advice given. Only then can we be successful patients.

     Some of my friends who are medical doctors tell me that many patients are uneducated or unwilling to learn basic principles of the science of good health. These doctors have told me that many of their patients know more about their car than they know about their bodies. Anecdotal conversations with one physician revealed that some patients service their cars every 6 months but do not get physical exams at least once a year.

     The first step toward being a successful patient is to be proactive with your health. This requires patient preparation. As with every profession, the medical profession has its own vocabulary with which patients need some familiarity. This does not mean for the patient to run out and buy the latest edition of Gray’s Anatomy. It does mean however, a frequent use of the internet. For example, my dad thought he may have a hernia. He made an appointment with his primary care physician for the doctor to evaluate his discomfort. Before he went to the doctor, I went on the internet to learn: a) what is a hernia? ,b) what are the different types of hernias? ,c) what are the treatments for hernias? and d) this is important, what are the risks if I have a hernia but fail to correct it? Armed with this information, the doctor’s diagnosis and treatment made sense to my dad and our family. Remember, there is a waiting room full of patients that the doctor has to see. He or she has 15 minutes to explain the diagnosis, treatment and answer any questions you may have. Without proactive preparation as a patient, the doctor’s 15 minutes is merely a directive not a dialog.

     Just as car owners buy magazines and manuals for their cars to better understand what is under the hood, the successful patient needs to continue or begin their education so as to better understand “what is under his or her hood.” This does not require the successful patient to go back to school or to spend a lot of money. How can this be done? The modern hospitals have recognized that patient education is not only good business but increases satisfied patient outcomes and reduces malpractice litigation. One noted NYC hospital has introduced a no cost mini-medical school for anyone wanting to learn more about medical sciences. Lectures are given by medical school professors with materials given to medical school students. The focus of these lectures, however, is not to diagnose ailments but rather to educate patients about medical ailments and the medical jargon associated with the discussion. The author of this blog will be attending a 2 hour lecture next week on the possible pandemic associated with the bird flu.

     To reiterate, these lectures are not intended to preempt a doctor’s diagnosis or treatment of the flu. It is however, intended to educate the patient about: a) What is the bird flu? b) How is it transmitted? c) What are the treatments? and d) know what is fact and what is rumor. I will report next week on this blog about what is fact and what is fiction about the bird flu. Finally these lectures give the patient the vocabulary needed to comprehend the news, avoid the flu if possible and if necessary, seek and understand medical advice. This is the beginning prototype of the successful patient.

     Contolling the cost of medical care in the US is the touchstone to repairing the broken US medical system. By broken, I mean the delivery of care is inefficent and too expensive. This post will discuss some of the cost issues facing the US healthcare system. Make no mistake, I believe the healthcare in the US is the best in the world. However, outcomes are equally favorable in Europe and yet the per capita heathcare bill is significantly less than the US.  Healthcare in the US is big business. Roughly 16% of the US GDP is spent on delivering healthcare. By the year 2015, that figure is expected to reach 20% of US GDP. Controlling the cost is an imperative.

     Recently I attended a party with a number of doctors of Indian descent who practice in the US. One doctor in particular cornered me to tell me of his experiences in returning to India to practice medicine. He told me that the cost of dissolving kidney stones in India is 75% less than the cost in the US. The procedure which costs $40,000 in the US costs $10,000 in India. The equipment is manufactured in Germany  and used in the US and India. He stated to me that the doctor’s fees for the procedure are unreasonable compared with India. He then smiled and said “But I am not complaining. It goes in my pocket.” It is true that US laws and patient malpractice suits increase the cost of medical services as compared to India. The real reason for the higher cost in the US verses any other industrialized country is that medical costs are not controlled in the US where such costs are controlled everywhere else.

     If we assume a free market in the US, then the laws of supply and demand apply. However, even Adam Smith would recognize that medical costs must go up if demand is inelastic. Stated differently, patients have no choice to consume if they are ill. Basic economics teaches us that if prices go too high consumption will decrease thereby reducing the price. This only works in a scenario where demand is elastic, that is, moves downward when prices are high and up when prices are low. Medical services are consumed when needed regardless of the price. Some form of price controls are required to affect the inelastic demand for medical services, and in the case of prescription drugs, a free market exists only in the US.

     Advocates for the free market of prescription drugs point to the US as the leader of a free market policy. I absolutely believe in a free market if there is a level playing field. Let me give you a simple example. Pfizer, a leading drug company develops a drug for a cost of $1billion. The board of Pfizer authorized the development based on the assumption of a 10% return each year for 15 years. In the first year, Pfizer must earn $100 million. Sales in all parts of the world except the US are running at a $30 million rate for the year. Since the US is the only free market for the drug, Pfizer must price it to earn $70 million in the US to reach $100 million for the year. Thus, because of foreign price controls, US prescription drug consumers pay more than double the amount paid by foreign consumers. In short, the US public is subsidizing the cheaper drug costs for the rest of the world. Two possible approaches are apparent: 1) enact a law that US drug costs cannot exceed 110% of the average cost for the rest of the world, or  2) foreign markets will not be supplied unless the price is at least 90% of the average cost in the US market.

     Prescription drug costs in the US will continue to outpace inflation unless the US goverment recognizes that demand for prescription medicines is inelastic and the pricing mechanism is distorted by foreign price controls. The US people can no longer subsidize the rest of the world by turning a blind eye to the fact that a free market for prescription drugs exists only in the US. Legislation to require drug companies to price in the US based upon worldwide pricing is needed to stem the spiraling costs of presciption drugs.  

      This blog will endeavor to open up for discussion 2 primary issues facing consumers (patients) serviced by the broken US medical system: I. How to maximize your medical advice within the limited time given to patients by doctors, and II. How to reform the existing US medical system so that quality medical care is available to everyone at a price that is affordable.

              I. Maximizing Your Medical Advice

                 You make an appointment with your doctor and wait to be called. Finally when you are called, the doctor spends 10 minutes with you examining and explaining your ailment and your treatment. You say you understand but do you? You fill the prescription but don’t know what the medicine does or the side effects. Your doctor simply does not have the time to explain all you need to know to determine if the medicine is appropriate. By appropriate, I mean every medicine has side effects. You as the patient have to be in charge of your own body and make informed decisions regarding your care. Most doctors are caring professionals but cannot spend the time to push you up the learning curve.

This blog will attempt to give straight forward advice and knowledge to help educate you when seeing your doctor. You are not competing with your doctor but rather becoming an educated consumer of medical care who makes your doctor’s advice more meaningful.  For example, you should know that if you have a virus, antibiotics do not work. Antibiotics only work on bacterial infections. You should ask, is the infection viral or bacterial? When the doctor gives you the answer that it is a viral infection you will know antibiotics will not be prescribed because they will only work on bacterial infections.

I am attending a series of lectures at a leading medical school and will report on this blog what I have learned so that we can together be better informed consumers of medical services.

          II. Reforming US Medical System

              I will comment frequently about the weaknesses of the US medical system and how to reform it.

The major problem with our medical system is the cost explosion. Only people who are employed and have access to a large medical pool can afford medical insurance. Employers subsidize their employees’ cost to make employee premiums reasonable. However, employer provided healthcare is a historical accident. During WWII, wages were frozen by price controls. Raises could not be given so benefits such as free medical insurance was provided instead. Today, medical insurance is very expensive even to the employed with healthcare benefits. No other western country provides healthcare the way it is paid for in the US. For a working family with no employer subsidized healthcare, the cost is prohibitive. For example, Aetna’s individual POS policy for southern NY is $9,696 for an individual per year and $28,840 for a family per year. This is not affordable healthcare.

The costs are continuing to rise at a rate far in excess of the inflation rate and by the year 2015, $1 in every $5 spent in the US will be spent on healthcare. Reform is long overdue. Politicians will only move on healthcare issues if there is a groundswell from the electorate. I will be posting ideas for reform on this blog. 

Lastly, if quality medical care is a citizen’s right just like the right to vote, then the US Government and state government must be major players in the medical reform movement. If quality medical care is merely a privilege not a right, then the private sector restrained only by market forces will continue to maximize profits. Unless demand decreases (which is not likely with the aging of the baby boomers) medical costs will continue to sap the economic strength of this country. Since most states prohibit a hospital to refuse to treat a patient without medical insurance, it seems clear that this country has determined quality medical care to be a right not merely a privilege. I will post my ideas for reform on this blog.


One of the ways to learn enough to ask the right questions is to have an opportunity to interact with eminent physicians and scientists in an informal atmosphere that centers on specific diagnoses and treatments, delving beneath the surface and exploring the physiology of health and disease.

Fall 2005 was on The World’s Most Complex Computer: A Look Inside the Human Brain.

The weekly classes were:

– Why Is This Organ Different From All Others? An Introduction to the Workings of the Human Brain.

– Brain Cancer: State-of-the-Art Treatments

– Pinched Nerves and Other Pains in the Back

– Brain Attack: Causes, Prevention and Care of Stroke

– It Really Is Brain Surgery: A Look at Some of the Newest Approaches to Brain Surgery

Spring 2006 delves into biomedical science topics heard about in the news, helps us understand the scientific process and develops a way to critically analyze science and medical news.  I’ll be blogging after the following 2 hour sessions:

3/21/06 – Microbe Hunters: Preparing for a Possible Pandemic;

3/28/06 – From 9/11 to Katrina: Understanding the Impact of Environmental Disasters on Health;

4/4/06 – Perfect Fit: The Future of Personalized Medicine;

4/11/06 – The Promise of Gene and Cell Therapies: A Look Beyond the Hype and Controversy;

4/25/06 – The Biography of A Medical Breakthrough: Tale of One Discovery from Concept to FDA Approval.

We are paying to enable an infrastructure for an ongoing, comprehensive, professional value-based site for the specific interests of evolving boomers. Volume I is Taking Control of Medical Well-being for Yourself and Aging Parents.