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Amaravathi
Side Hero Username: Amaravathi
Post Number: 4169 Registered: 04-2015 Posted From: 108.51.73.197
Rating:  Votes: 1 (Vote!) | | Posted on Wednesday, October 07, 2015 - 05:37 pm: |
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Kuyyo_morro:dochukunnodiki dochukunnantha annattu mottam pindesaruga inni decades Andhrites.
inkaa pinduthaar vaya...meeru aavu gaallu ayithe ... any doubts? |
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Maverick
Legend Username: Maverick
Post Number: 58508 Registered: 01-2008 Posted From: 108.171.130.187
Rating: N/A Votes: 0 (Vote!) | | Posted on Wednesday, October 07, 2015 - 04:57 pm: |
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Gandhiguevara:experience isthaaru
Emc2:nee luck bavunte 50k vasthadi after 2yrs ,lekapothe govind govinda,
 Happy Vizag |
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Gandhiguevara
Legend Username: Gandhiguevara
Post Number: 56635 Registered: 10-2009 Posted From: 204.61.207.7
Rating: N/A Votes: 0 (Vote!) | | Posted on Wednesday, October 07, 2015 - 04:53 pm: |
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Maverick:50k pedite 1 yr lo enta istaru? simple ga cheppu
experience isthaaru |
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Theaviator
Junior Artist Username: Theaviator
Post Number: 454 Registered: 07-2014 Posted From: 172.56.21.2
Rating: N/A Votes: 0 (Vote!) | | Posted on Wednesday, October 07, 2015 - 03:58 pm: |
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Mrhyderabad:
Mrhyderabad:
I believe it is a Private Equity (PE) fund raising a fresh round of funding focused on Medi diag centers/ similar.. >Group of docs presently hold 80% in venture >Fund will provide growth capital for further expansion for the venture and other similar ventures >PE's prev exp investing in 100+ projects could be part of multiple rounds of fund > Firstly, understand the credentials of 'the manager' of fund and 'general partners' > instead of overall.. Understand performance of past individual funds and investment focus of fund (sector, geo, type of cos etc).. You can get some idea of sectors, risks and associated returns >most importantly you should have sound sense and risks of end use business (meet people who are familiar and ask right questions) >understand fund's investment startegy (majority/ minority shareholding in end-use business) >in general.. More return-more risk (like commercializing new inventions) Medium risk (franchise model or many other alliged) Less risk (infra,power etc where fuel/raw material and long term offtake of production is assured at a known price) But all of the above risks drastically vary with Geography, Promoter and other risks.. |
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Emc2
Legend Username: Emc2
Post Number: 44594 Registered: 03-2008 Posted From: 128.229.4.22
Rating: N/A Votes: 0 (Vote!) | | Posted on Wednesday, October 07, 2015 - 03:39 pm: |
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Maverick:50k pedite 1 yr lo enta istaru?
nee luck bavunte 50k vasthadi after 2yrs ,lekapothe govind govinda,
 |
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Emc2
Legend Username: Emc2
Post Number: 44593 Registered: 03-2008 Posted From: 128.229.4.22
Rating: N/A Votes: 0 (Vote!) | | Posted on Wednesday, October 07, 2015 - 03:35 pm: |
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Rajusk:
raju garu aa risk eppudu untadi, konni sarlu charity will pay for it, konni sarlu collections ki poyi valla chetha pindistharu, konni sarlu east face namasthe |
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Rajusk
Legend Username: Rajusk
Post Number: 41439 Registered: 02-2008 Posted From: 170.74.248.6
Rating: N/A Votes: 0 (Vote!) | | Posted on Wednesday, October 07, 2015 - 03:29 pm: |
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Mrhyderabad:nee doubts emito cheppu..
rao garu..naa doubt clear seyyaledu.. how do they get paid ? by insurance companies ? if so, baaga un-insured unde ilaaka lo ee center open sesthe..east tirigi bend avvadame kada..please clarify.. |
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Mrhyderabad
Hero Username: Mrhyderabad
Post Number: 11588 Registered: 01-2008 Posted From: 73.194.99.53
Rating: N/A Votes: 0 (Vote!) | | Posted on Wednesday, October 07, 2015 - 03:18 pm: |
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Amaravathi:
coolmac right? howdy? I also believe in, If it is too good to be true then it is too good to be true nee doubts emito cheppu.. company website choosavaa? uthithi company ayithe kaadu anukuntaa Don't say you don't have enough time. You have exactly the same number of hours per day that were given to Helen Keller, Pasteur, Michaelangelo, Mother Teresea, Leonardo da Vinci, Thomas Jefferson, and Albert Einstein |
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Kuyyo_morro
Megastar Username: Kuyyo_morro
Post Number: 20510 Registered: 02-2011 Posted From: 173.169.22.176
Rating: N/A Votes: 0 (Vote!) | | Posted on Wednesday, October 07, 2015 - 03:16 pm: |
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Amaravathi:U got golden T na
dochukunnodiki dochukunnantha annattu mottam pindesaruga inni decades Andhrites. |
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Andhrawala
Legend Username: Andhrawala
Post Number: 44139 Registered: 03-2008 Posted From: 152.51.56.1
Rating: N/A Votes: 0 (Vote!) | | Posted on Wednesday, October 07, 2015 - 03:15 pm: |
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Kuyyo_morro:andaru future secure chesukuntunnara. na lanti desi batch ki eggs and chirigina banians e na gathi.
mee laanti vallakosam Secured_Future vundhi kathaa No Signature |
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Amaravathi
Side Hero Username: Amaravathi
Post Number: 4168 Registered: 04-2015 Posted From: 65.170.103.234
Rating: N/A Votes: 0 (Vote!) | | Posted on Wednesday, October 07, 2015 - 03:12 pm: |
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Kuyyo_morro:na lanti desi batch ki eggs and chirigina banians e na gathi.
U got golden T na  |
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Kuyyo_morro
Megastar Username: Kuyyo_morro
Post Number: 20509 Registered: 02-2011 Posted From: 173.169.22.176
Rating: N/A Votes: 0 (Vote!) | | Posted on Wednesday, October 07, 2015 - 03:12 pm: |
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andaru future secure chesukuntunnara. na lanti desi batch ki eggs and chirigina banians e na gathi. |
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Amaravathi
Side Hero Username: Amaravathi
Post Number: 4167 Registered: 04-2015 Posted From: 65.170.103.234
Rating: N/A Votes: 0 (Vote!) | | Posted on Wednesday, October 07, 2015 - 03:11 pm: |
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True_indian:
ekkuva matladithe Boeing dreamliner lo vacheyyagalanu Charlotte  |
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Siloan
Legend Username: Siloan
Post Number: 43230 Registered: 03-2008 Posted From: 132.174.20.41
Rating: N/A Votes: 0 (Vote!) | | Posted on Wednesday, October 07, 2015 - 03:10 pm: |
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hyder goru successpully planted the idea..ika full scale inceptionee |
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True_indian
Hero Username: True_indian
Post Number: 11501 Registered: 01-2008 Posted From: 104.139.69.243
Rating: N/A Votes: 0 (Vote!) | | Posted on Wednesday, October 07, 2015 - 03:09 pm: |
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Amaravathi:chopper, blue scotch
 .those who are serious about their watches display them prominently, those who are more concerned with style and branding present you with aircraft carriers and hide their watches. |
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Amaravathi
Side Hero Username: Amaravathi
Post Number: 4166 Registered: 04-2015 Posted From: 65.170.103.234
Rating: N/A Votes: 0 (Vote!) | | Posted on Wednesday, October 07, 2015 - 03:07 pm: |
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Hyder Bhai... I will come in the evening to meet you on my chopper from DC... we will talk in detail while sipping blue scotch  |
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Amaravathi
Side Hero Username: Amaravathi
Post Number: 4165 Registered: 04-2015 Posted From: 65.170.103.234
Rating: N/A Votes: 0 (Vote!) | | Posted on Wednesday, October 07, 2015 - 03:06 pm: |
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Maverick:50k pedite 1 yr lo enta istaru? simple ga cheppu
etti soodu... 1yr lone motham... adhannamata  |
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Rajusk
Legend Username: Rajusk
Post Number: 41437 Registered: 02-2008 Posted From: 170.74.231.5
Rating: N/A Votes: 0 (Vote!) | | Posted on Wednesday, October 07, 2015 - 03:05 pm: |
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True_indian:weekend call chesta, i need to understand more
are naak bhi jara understanding seyyinchandi.. edaina chance unte..oka naalugu raallu vestha.. |
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Jalsa
Legend Username: Jalsa
Post Number: 33195 Registered: 02-2008 Posted From: 159.53.46.140
Rating: N/A Votes: 0 (Vote!) | | Posted on Wednesday, October 07, 2015 - 03:02 pm: |
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chance untey invest chestaaa |
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True_indian
Hero Username: True_indian
Post Number: 11500 Registered: 01-2008 Posted From: 104.139.69.243
Rating: N/A Votes: 0 (Vote!) | | Posted on Wednesday, October 07, 2015 - 03:00 pm: |
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hyder weekend call chesta, i need to understand more .those who are serious about their watches display them prominently, those who are more concerned with style and branding present you with aircraft carriers and hide their watches. |
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Twitter
Legend Username: Twitter
Post Number: 40259 Registered: 10-2009 Posted From: 66.194.212.162
Rating: N/A Votes: 0 (Vote!) | | Posted on Wednesday, October 07, 2015 - 02:57 pm: |
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Mrhyderabad: in 3-5 years, they will sell the unit/project for 5-10 multiple and that is main reward.. even if that doesn't happen annual returns are good enough
oh ok got it .. |
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Gandhiguevara
Legend Username: Gandhiguevara
Post Number: 56618 Registered: 10-2009 Posted From: 204.61.207.7
Rating: N/A Votes: 0 (Vote!) | | Posted on Wednesday, October 07, 2015 - 02:51 pm: |
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Mrhyderabad:
Babai serious enquiry...Suppliers ni elaa contact and manage chesthaav...food industry lo suppliers ni...like rates maatladukodam laantivi...naakkoodaa oka dikku malina idea vundhi...try chedhaam anukuntunnaa |
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Onlytruth
Legend Username: Onlytruth
Post Number: 172662 Registered: 01-2007 Posted From: 104.182.130.135
Rating: N/A Votes: 0 (Vote!) | | Posted on Wednesday, October 07, 2015 - 02:48 pm: |
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Annavaram:gujju bhai motel ni ela vadalaledo, middle east odu car dealership vadalaledu
atlane undhi chudabothe |
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Mrhyderabad
Hero Username: Mrhyderabad
Post Number: 11587 Registered: 01-2008 Posted From: 73.194.99.53
Rating: N/A Votes: 0 (Vote!) | | Posted on Wednesday, October 07, 2015 - 02:45 pm: |
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Onlytruth:but car dealerships endhi ...
yes, i came to know about this company 8 months ago when this project was open.. didn't feel like putting in money.. but now in less than a year they already started issuing dividends last month or before.. one of my franchisee put in 100k in that project Don't say you don't have enough time. You have exactly the same number of hours per day that were given to Helen Keller, Pasteur, Michaelangelo, Mother Teresea, Leonardo da Vinci, Thomas Jefferson, and Albert Einstein |
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Annavaram
Side Hero Username: Annavaram
Post Number: 4246 Registered: 12-2006 Posted From: 72.64.90.22
Rating: N/A Votes: 0 (Vote!) | | Posted on Wednesday, October 07, 2015 - 02:45 pm: |
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Onlytruth:vi anni same line of business ye...but car dealerships endhi …
gujju bhai motel ni ela vadalaledo, middle east odu car dealership vadalaledu |
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Rajusk
Legend Username: Rajusk
Post Number: 41434 Registered: 02-2008 Posted From: 170.74.231.5
Rating: N/A Votes: 0 (Vote!) | | Posted on Wednesday, October 07, 2015 - 02:44 pm: |
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Twitter:e maathram returnm ETF's lo kooda osthadhi ga why this ER kolavari
edi oka naalugu perlu vadulu.. |
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Gandhiguevara
Legend Username: Gandhiguevara
Post Number: 56612 Registered: 10-2009 Posted From: 204.61.207.7
Rating: N/A Votes: 0 (Vote!) | | Posted on Wednesday, October 07, 2015 - 02:43 pm: |
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Mr H range ye verappaa |
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Rajusk
Legend Username: Rajusk
Post Number: 41433 Registered: 02-2008 Posted From: 170.74.231.5
Rating: N/A Votes: 0 (Vote!) | | Posted on Wednesday, October 07, 2015 - 02:43 pm: |
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Rajusk:how do ER centers get paid ? just asking ..endukante..naaku telisi kontha mandi ER lo ki walk in without insurance..walk out without paying bill..
hello ..anyone listening ?? |
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Onlytruth
Legend Username: Onlytruth
Post Number: 172660 Registered: 01-2007 Posted From: 104.182.130.135
Rating: N/A Votes: 0 (Vote!) | | Posted on Wednesday, October 07, 2015 - 02:41 pm: |
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Mrhyderabad:not sure if wierd is the word but yes they are venturing into lot of interesting areas... ER centers, sleep centers, urgent cares, some insurance backed hospital network share.. blah blah
ivi anni same line of business ye...but car dealerships endhi ... |
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Annavaram
Side Hero Username: Annavaram
Post Number: 4245 Registered: 12-2006 Posted From: 72.64.90.22
Rating: N/A Votes: 0 (Vote!) | | Posted on Wednesday, October 07, 2015 - 02:41 pm: |
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Mrhyderabad:
i have been part of these investments before, deeni kante minchina opportunity chaala chala thakkuva untaai, also have been involved in a similar model for a one of the leading med centers here to set up in hyderabad, thanks to kcr ji nothing is moving forward as of now from what you have give, they seem to have had decent success in doing so in the past, you have to go on the assumption that they will repeat it again, yes n number of things can go wrong, but no reward without risk, i wouldn't put all my eggs in, but it is a very reasonable and decent opportunity my 2 cents |
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Mrhyderabad
Hero Username: Mrhyderabad
Post Number: 11586 Registered: 01-2008 Posted From: 73.194.99.53
Rating: N/A Votes: 0 (Vote!) | | Posted on Wednesday, October 07, 2015 - 02:40 pm: |
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Twitter:ee maathram returnm ETF's lo kooda osthadhi ga why this ER kolavari
Mrhyderabad: and most important thing is not the returns.. in 3-5 years, they will sell the unit/project for 5-10 multiple and that is main reward.. even if that doesn't happen annual returns are good enough
Don't say you don't have enough time. You have exactly the same number of hours per day that were given to Helen Keller, Pasteur, Michaelangelo, Mother Teresea, Leonardo da Vinci, Thomas Jefferson, and Albert Einstein |
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Twitter
Legend Username: Twitter
Post Number: 40258 Registered: 10-2009 Posted From: 66.194.212.162
Rating: N/A Votes: 0 (Vote!) | | Posted on Wednesday, October 07, 2015 - 02:38 pm: |
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ee maathram returnm ETF's lo kooda osthadhi ga why this ER kolavari |
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Mrhyderabad
Hero Username: Mrhyderabad
Post Number: 11584 Registered: 01-2008 Posted From: 73.194.99.53
Rating: N/A Votes: 0 (Vote!) | | Posted on Wednesday, October 07, 2015 - 02:36 pm: |
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Annavaram:kallu moosukuni invest cheyandi, if you don't mind sharing the info, please send if there is room, i would like to get it in too
u heard about the company or like the model or just have too much money? :-) just kidding let's first do some research before signing the check.. i want to pump some too but want to do my due diligence Don't say you don't have enough time. You have exactly the same number of hours per day that were given to Helen Keller, Pasteur, Michaelangelo, Mother Teresea, Leonardo da Vinci, Thomas Jefferson, and Albert Einstein |
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Mrhyderabad
Hero Username: Mrhyderabad
Post Number: 11583 Registered: 01-2008 Posted From: 73.194.99.53
Rating: N/A Votes: 0 (Vote!) | | Posted on Wednesday, October 07, 2015 - 02:31 pm: |
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Maverick:50k pedite 1 yr lo enta istaru? simple ga cheppu
they don't guarantee any number.. if someone does then it is rip off 25K min investment anta.. min return 12-18% some are above 30-40%... check the screenshot i gave above and most important thing is not the returns.. in 3-5 years, they will sell the unit/project for 5-10 multiple and that is main reward.. even if that doesn't happen annual returns are good enough Don't say you don't have enough time. You have exactly the same number of hours per day that were given to Helen Keller, Pasteur, Michaelangelo, Mother Teresea, Leonardo da Vinci, Thomas Jefferson, and Albert Einstein |
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Rajusk
Legend Username: Rajusk
Post Number: 41431 Registered: 02-2008 Posted From: 170.74.231.5
Rating: N/A Votes: 0 (Vote!) | | Posted on Wednesday, October 07, 2015 - 02:31 pm: |
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Mrhyderabad:not sure if wierd is the word but yes they are venturing into lot of interesting areas... ER centers,
how do ER centers get paid ? just asking ..endukante..naaku telisi kontha mandi ER lo ki walk in without insurance..walk out without paying bill.. |
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Andhrawala
Legend Username: Andhrawala
Post Number: 44132 Registered: 03-2008 Posted From: 152.51.56.1
Rating: N/A Votes: 0 (Vote!) | | Posted on Wednesday, October 07, 2015 - 02:29 pm: |
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Maverick:50k pedite 1 yr lo enta istaru? simple ga cheppu
between 6 to 23K No Signature |
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Mrhyderabad
Hero Username: Mrhyderabad
Post Number: 11582 Registered: 01-2008 Posted From: 73.194.99.53
Rating: N/A Votes: 0 (Vote!) | | Posted on Wednesday, October 07, 2015 - 02:27 pm: |
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Onlytruth:vaadu wierd combo investments chestunnadu
not sure if wierd is the word but yes they are venturing into lot of interesting areas... ER centers, sleep centers, urgent cares, some insurance backed hospital network share.. blah blah mgmt team kikiki y ? Don't say you don't have enough time. You have exactly the same number of hours per day that were given to Helen Keller, Pasteur, Michaelangelo, Mother Teresea, Leonardo da Vinci, Thomas Jefferson, and Albert Einstein |
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Maverick
Legend Username: Maverick
Post Number: 58490 Registered: 01-2008 Posted From: 108.171.130.187
Rating: N/A Votes: 0 (Vote!) | | Posted on Wednesday, October 07, 2015 - 02:24 pm: |
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50k pedite 1 yr lo enta istaru? simple ga cheppu Happy Vizag |
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Onlytruth
Legend Username: Onlytruth
Post Number: 172657 Registered: 01-2007 Posted From: 104.182.130.135
Rating: N/A Votes: 0 (Vote!) | | Posted on Wednesday, October 07, 2015 - 02:21 pm: |
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ee venture more info vaadu wierd combo investments chestunnadu http://altushealthsystem.com/meet-the-fast-100-houston-based -wealth-management-firm-blossoms-in-health-care-industry/ |
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Mrhyderabad
Hero Username: Mrhyderabad
Post Number: 11581 Registered: 01-2008 Posted From: 73.194.99.53
Rating: N/A Votes: 0 (Vote!) | | Posted on Wednesday, October 07, 2015 - 02:21 pm: |
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their past project returns http://tinypic.com/r/14cg1fd/8 Don't say you don't have enough time. You have exactly the same number of hours per day that were given to Helen Keller, Pasteur, Michaelangelo, Mother Teresea, Leonardo da Vinci, Thomas Jefferson, and Albert Einstein |
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Annavaram
Side Hero Username: Annavaram
Post Number: 4244 Registered: 12-2006 Posted From: 72.64.90.22
Rating: N/A Votes: 0 (Vote!) | | Posted on Wednesday, October 07, 2015 - 02:18 pm: |
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Mrhyderabad:
kallu moosukuni invest cheyandi, if you don't mind sharing the info, please send if there is room, i would like to get it in too |
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Onlytruth
Legend Username: Onlytruth
Post Number: 172656 Registered: 01-2007 Posted From: 104.182.130.135
Rating: N/A Votes: 0 (Vote!) | | Posted on Wednesday, October 07, 2015 - 02:16 pm: |
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Mrhyderabad:
mgmt team kikiki http://altushealthsystem.com/us/leadership/ |
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Mrhyderabad
Hero Username: Mrhyderabad
Post Number: 11579 Registered: 01-2008 Posted From: 73.194.99.53
Rating: N/A Votes: 0 (Vote!) | | Posted on Wednesday, October 07, 2015 - 02:13 pm: |
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Onlytruth:lets say TX centre is 10M cost...so u mean 8M share is held by docs n 2M they are selling to third parties ?
there is no fixed ratio.. most of the previous projects and current projects lo majority stake taken by DRs.. and some others get involved through Drs friends / family.. most of the docs are investing 100-250k idi issue chesthunna main company Z T Wealth.. website check cheyyi if possible.. not a small dakota firm Don't say you don't have enough time. You have exactly the same number of hours per day that were given to Helen Keller, Pasteur, Michaelangelo, Mother Teresea, Leonardo da Vinci, Thomas Jefferson, and Albert Einstein |
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Onlytruth
Legend Username: Onlytruth
Post Number: 172655 Registered: 01-2007 Posted From: 104.182.130.135
Rating: N/A Votes: 0 (Vote!) | | Posted on Wednesday, October 07, 2015 - 02:12 pm: |
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Mrhyderabad:will post company details etc if you have few mins
ivvu |
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Mrhyderabad
Hero Username: Mrhyderabad
Post Number: 11578 Registered: 01-2008 Posted From: 73.194.99.53
Rating: N/A Votes: 0 (Vote!) | | Posted on Wednesday, October 07, 2015 - 02:09 pm: |
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Onlytruth:avg 25% profits tho 100 projects chesinollu next ventures ki ( assuming these new ventures are not at much higher investment) nee daggara ki enduku vastaru ?
they didn't come to me.. for ex, last month start chesina project (12M) ki already within a month they got 9M and planning to close the project by this month. Couple of DRs that i work with told me about this.. that they are involved in some of the projects from this firm (in the past and present) Mostly HNIs ni target chesthaaru anukuntaa ilaanti cases lo.. so mana laanti aam junta ki reach avvavu inta mandi 100s of Dr for years can't be wrong ani thinking Also we know that urgent care and ERcenters always busy Don't say you don't have enough time. You have exactly the same number of hours per day that were given to Helen Keller, Pasteur, Michaelangelo, Mother Teresea, Leonardo da Vinci, Thomas Jefferson, and Albert Einstein |
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Onlytruth
Legend Username: Onlytruth
Post Number: 172654 Registered: 01-2007 Posted From: 104.182.130.135
Rating: N/A Votes: 0 (Vote!) | | Posted on Wednesday, October 07, 2015 - 02:06 pm: |
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Mrhyderabad: 80% shares owned by docs
lets say TX centre is 10M cost...so u mean 8M share is held by docs n 2M they are selling to third parties ? then 2M third party dantlo ivi anni pool chesthunna company ki entha |
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Saint
Legend Username: Saint
Post Number: 56189 Registered: 01-2011 Posted From: 144.230.191.36
Rating: N/A Votes: 0 (Vote!) | | Posted on Wednesday, October 07, 2015 - 02:04 pm: |
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if anyone sues the ER center, what will happen? |
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Onlytruth
Legend Username: Onlytruth
Post Number: 172653 Registered: 01-2007 Posted From: 104.182.130.135
Rating: N/A Votes: 0 (Vote!) | | Posted on Wednesday, October 07, 2015 - 02:03 pm: |
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Mrhyderabad:5 years lo 100+ projects chesaaru... min return 11% to max return 46%
avg 25% profits tho 100 projects chesinollu next ventures ki ( assuming these new ventures are not at much higher investment) nee daggara ki enduku vastaru ? so : 1) get documental evidence of prev ventures n profits |
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Mrhyderabad
Hero Username: Mrhyderabad
Post Number: 11577 Registered: 01-2008 Posted From: 73.194.99.53
Rating: N/A Votes: 0 (Vote!) | | Posted on Wednesday, October 07, 2015 - 01:58 pm: |
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Docs / medicos kosam thread vesthe no response.. So thought you can play devil's advocate and analyze this... i have no affiliation to it.. so feel free to comment/ridicule/booths whatever Oka nyc based wealth management, private equity firm raising funds / creating unique investment opportunity with min investment (25k or multiple) already last 5 years lo 100+ projects chesaaru... min return 11% to max return 46% ippudu oka 3 projects (separate entities) - Tx, Co, CA areas lo emergency centers / urgent care units setting up.. 80% shares owned by docs couple of other projects with sleep centers. not sure what they are. oka llc create chesi shares selling chesthaaru.. pool ayina money tho oka project and monthly dividends, annual returns blah blah each share 25K.. within one year lo they start giving monthly / quarterly dividend.. again, proven track record for 100+ projects with each 5-10M cost over 5 years is good.. so far everything sounds interesting.. wt is the catch ani thinking (if there is any). will post company details etc if you have few mins Don't say you don't have enough time. You have exactly the same number of hours per day that were given to Helen Keller, Pasteur, Michaelangelo, Mother Teresea, Leonardo da Vinci, Thomas Jefferson, and Albert Einstein |