Saturday, January 21, 2006

Hi-Tech Hamas


ON THE AIR: Fathi Hamad, a Hamas candidate in the upcoming Parliamentary elections, delivers a campaign speech during a test broadcast of Al Aqsa TV, Hamas's new television station.

Mohammed's article on Al Aqsa TV appeared in Norwegian yesterday in Morgenbladet.

"What's happening? Do you see anything? Anything?" Talal Abdelawwad, 54, was shouting from the roof of his home in one of Rafah's refugee camps.

His wife stuck her head out the window to reply. "Nothing clear—try moving it the other way!"

"It" was an antenna for which Abdelawwad had spent US$15 in the hopes of pulling in a clear signal from the new Al Aqsa TV station broadcasting from Gaza City. Hamas, the Palestinian welfare and resistance group, launched limited broadcasting in Gaza on January 8, the first step in establishing a TV network modeled on the Lebanon-based Hizb Allah satellite network. The Al Aqsa station launched its first trial broadcasts just weeks before Palestinians will vote in Parliamentary elections on 25 January, in which Hamas is fielding a large slate of candidates and poses a serious challenge to the ruling Fatah party. The sooner the fledgling TV station completes its technical shakedown cruise and broadcasts a full schedule, the more help it will give the Hamas campaign efforts.

"The transmission tests for Al-Aqsa Television in Gaza began today," said a Hamas official on January 8th, and will offer a limited schedule for up to three months before its official launch. The Palestinian Authority, backed by the ruling Fatah Party, granted a broadcast license to Al Aqsa Television, the first private television station in Gaza. For over a year now, Hamas has run Al Aqsa Voice, one of 10 private radio stations in Gaza. The Palestinian Authority has also enabled Hamas to produce a range of print media and websites.

Right now, the Al Aqsa TV test broadcasts can only be seen in the Gaza Strip. Hamas hopes to upgrade its facilities to broadcast to the West Bank before long, and hopes to produce world-class news coverage, unlike the stodgy "talking heads" so prevalent in much state-sponsored Arab TV. Hamas has also expanded its print media, and their weekly Al Risalah newspaper is now publishing twice-weekly. Naturally, with the election campaign in full swing, Al Risalah has been heavily promoting the Hamas candidates.

Ultimately, they hope for a level of sopistication comparable to Hizb Allah's Al Manar TV, with reporters throughout the Middle East, including Israel, the West Bank and Gaza, covering breaking news on location. When Hizb Allah attacks Israeli targets, Al Manar often broadcasts images of the strike.

Right now, though, Al Aqsa TV trial broadcasts are only an hour a day, 10 to 11 am, mainly speeches by Hamas candidates, news bulletins, memorials to Hamas martyrs like Sheikh Ahmed Yassin, assassinated by Israel in 2004, plus readings from the Koran and patriotic songs.

While Al Aqsa TV will be something new for the citizens of Gaza, the message will be much the same as that on their radio station, Al Aqsa Voice. Its effectiveness can be measured by the fact that the Israeli Army bombed Al Aqsa Voice's broadcast facility. Certainly, Hamas's radio broadcasts have given the Gazan street a new vocabulary. Israeli Defense Minister Mofaz is routinely described as the "terrorism minister," while Ariel Sharon is always identified as a "war criminal," two descriptives other Palestinian media have occasionally adopted Hamas has financed its media operations solely through donations from individual supporters and Islamic organizations, both inside and outside Palestine.

Moheib Nawati, a political analyst based in Gaza City, commented: "Under the democratic principle of freedom of expression, every political party is entitled to have whatever media it wishes to present and promote its programs and viewpoints."

Fathi Hamad, the director of the board of Al Aqsa TV, as well as a candidate in the January parliamentary elections said, "Every free country has a range of media outlets which express unique viewpoints. It's only fitting that the Islamic movement, Hamas, should have a TV station where we can explain our hopes, our Islamic culture, and counter-act the widespread and incorrect stereotyping of struggle and resistance as terrorism. Ultimately, we hope Al Aqsa TV will be a bridge between Hamas and the entire world, so we can have our own voice in the international media. That will be our second phase, after we broadcast throughout Gaza and the West Bank. We know much of the international media have described us as destructive trouble-makers and terrorists, but resistance against occupation is our right under international law. We anticipate that our brothers abroad will have our satellite network broadcasting worldwide sometime in the first half of 2006."

But first things first: after considerable tinkering, the Abdelawwad family in Rafah did see part of the trial broadcast. A modest start, perhaps, for Al Aqsa TV's large ambitions, but then, as the old proverb goes, the longest journey starts with a single step.

315 Comments:

At 3:40 PM, Anonymous scott edwards said...

Wow what a cool blog you have here! I am impressed. You really put a lot of time and effort into this. I wish I had your creative writing skills, progressive talent and self- discipline to produce a blog like you did. Your blog really does deserve an honest compliment. If you have some time, stop by my site. It deals with stuff like, click here: hi-tech and then feel free to e-mail me with your words of wisdom.

P.S. I'll sure put the word out about your site and I would appreciate any business you may send my. way... Later, Scott.

 
At 9:12 PM, Blogger Scott A. Edwards said...

Check this out for FREE...

This opportunity says:

"Your Ad" Will Be Instantly Displayed on Thousands of Websites and Read By Over 10 Million People Per Week For FREE, and It Only Takes 60 Seconds To Get Started!

To find out more visit: mlm business site. It successfully exposes FREE information covering Traffic and mlm business related stuff.

 
At 5:32 PM, Blogger Scott A. Edwards said...

Wow what a cool blog you have here! I am impressed. You really put a lot of time and effort into this. I wish I had your creative writing skills, progressive talent and self- discipline to produce a blog like you did. Your blog really does deserve an honest compliment. If you have some time, stop by my site. It deals with stuff like, click here: business opportunities and then feel free to e-mail me with your words of wisdom.

P.S. I'll sure put the word out about your site and I would appreciate any business you may send my. way... Later, Scott.

 
At 6:06 PM, Blogger Scott A. Edwards said...

Wow what a cool blog you have here! I am impressed. You really put a lot of time and effort into this. I wish I had your creative writing skills, progressive talent and self- discipline to produce a blog like you did. Your blog really does deserve an honest compliment. If you have some time, stop by my site. It deals with stuff like, click here: proven system and then feel free to e-mail me with your words of wisdom.

P.S. I'll sure put the word out about your site and I would appreciate any business you may send my. way... Later, Scott.

 
At 10:59 PM, Blogger Scott A. Edwards said...

Hello I am the traffic man, zip, zip, zip. make a new resolution to get a flood of traffic to your website this year. Let me show you how to get FREE traffic to your site. Yes I said FREE, FREE, FREE!!! Don't delay.

To find out more, visit my idea for home-based businesses site. It successfully covers FREE information exposing FREE traffic and idea for home-based businesses related stuff. Don't forget - FREE, FREE, FREE. You have nothing to lose!

 
At 6:42 AM, Blogger Scott A. Edwards said...

As a special token of my appreciation for all your kind help and the wonderful business you have sent my way---I want to give you a free gift.
It is called the "$25000.00 Idea". It will help you in all your endeavors.
Click here: FREE GIFT

 
At 7:26 AM, Anonymous Scott Edwards said...

As a special token of my appreciation for all your kind help and the wonderful business you have sent my way---I want to give you a free gift.
It is called the "$25000.00 Idea". It will help you in all your endeavors.
Click here: FREE GIFT

 
At 10:13 PM, Anonymous Scott Edwards said...

The fact is that the INTERNET is making people RICH! Shouldn't YOU be one of them? Click here: FIND OUT NOW!

 
At 9:15 PM, Blogger Top Web Deals said...

Hello, just browsing new blogs and you're blog looked interesting so I thought I would drop in to take a peek. I have a website with **Offering Satellite TV for $19.95**deals. Please let me extend an invitation to you to come by and **visit.** Have a great day. :)**www.satellite-dish-network-tv-movies.com**

 
At 10:53 PM, Blogger blog000111 said...

A lot of interest for your blog and a great deal of discussion. Great sites to surf domain resale, domain name, domain reseller, au domain, free website, online business, home based business, electric scooter, xbox360!

 
At 8:59 PM, Anonymous Horse said...

If you want to save 20 to 30 cents a gallon at the pump check this site out. I mean really check it out. This is backed by the goverment and some very big company's.http://www.gasclubusa.net/go/gcmmello/

 
At 10:01 PM, Anonymous compare webhosting services said...

http://webhost11.com

Can I Help You.. Yes If you want to get on the web. If you want to start learning about creating a web site of your own.. go to http://webhost11.com. to find out more about compare webhosting services ... We can help find a web host for you.

 
At 10:34 PM, Anonymous Anonymous said...

Did you hear about our home based business blog network ? It covers everything related to the home based business . For instance the Rich Jerk Blog, or the Google Adsense blog. Or maybe you would like the make money now blog. Well, my friend, you are very welcome to view it at your comfort. Regards, Melissa. :)

 
At 8:54 PM, Anonymous Anonymous said...

home mlm opportunity I'm so excited to finally found a mlm business opportunity with a company that really cares and actually knows my name at corporate headquarters. Growing at a rate of 30% per month with a back office of many tools that are at no charge to you. Jerky Direct has only been open to the public for a little over a year. At only $12 a month to stay active which includes 2 bags of jerky shipped to your door. My downline is growing fast after being in the business for only a short time. Take a minute and please check out home mlm opportunity

 
At 7:57 PM, Blogger Paul Adams said...

Hey Fellow, you have a great blog here! I have a web
site & blog about domain names center.
Yours is top-notch!
If you have a moment, please visit my site
domain names center
I wish you all the best!

 
At 6:08 AM, Blogger Joe Berenguer said...

I just came across your blog and wanted to
drop you a note telling you, Friend, how impressed I was with it.
I give you my best wishes for your future endeavors.
If you have a moment, please visit my site:
domain names
It covers domain names related contents.
All the best!

 
At 6:21 AM, Blogger Joe Berenguer said...

I was searching blogs,and I found your site.Please,
accept my congratulations for your excellent work!
If you have a moment, please visit my site:
domain names center
It pretty much covers domain names center related issues.
Have a good day!

 
At 7:43 PM, Blogger Joe Berenguer said...

Hey Fellow, you have a great blog here! I have a web
site & blog about domain names center.
Yours is top-notch!
If you have a moment, please visit my site
domain names center
I wish you all the best!

 
At 4:10 PM, Anonymous businessbusiness said...

Hi did you see this business gift blog?

 
At 8:02 PM, Blogger James Baker said...

I was just searching blogs,and I found your site, Friend! I like it!
Please accept my compliments and wishes for your happiness and success.
If you have a moment, please take a look at my site:
make money
It pretty much covers make money related issues.
All the best!

 
At 3:21 PM, Blogger Kate said...

I like to look at artistic photos of people, especially at their smiling faces. If you have some free time go to http://top-personals.net for adventist single and rate pictures of singles from your neighborhood. Adult Singles

 
At 4:37 AM, Blogger Joe Berenguer said...

I was just searching blogs,and I found your site, Friend! I like it!
Please accept my compliments and wishes for your happiness and success.
If you have a moment, please take a look at my site:
make money
It pretty much covers make money related issues.
All the best!

 
At 4:40 AM, Blogger Kate said...

Your blog is very interesting. I found it when looking for adult single chat.
Regards, Kate from Adult Singles

 
At 2:12 PM, Blogger Joe Berenguer said...

Hi Friend! You have a great blog over here!
Please accept my compliments and wishes for your happiness and success!
If you have a moment, please take a look at my site:
make money
It covers make money related subjects.
Have a great day!

 
At 9:16 AM, Anonymous make money said...

Hey Fellow, you have a great blog here! I have a web
site & blog about make money.
Yours is top-notch!
If you have a moment, please visit my site
make money
I wish you all the best!

 
At 4:32 PM, Anonymous make money said...

I just came across your blog and wanted to
drop you, Blogger, a note telling you how impressed I was with
the information you have posted here.
If you have a moment, please visit my site:
make money
It covers make money related contents.
I send you warm regards and wish you continued success

 
At 5:47 PM, Anonymous make money said...

I just came across your blog and wanted to
drop you, Blogger, a note telling you how impressed I was with
the information you have posted here.
If you have a moment, please visit my site:
make money
It covers make money related contents.
I send you warm regards and wish you continued success

 
At 4:18 AM, Blogger Kate said...

Your blog is very interesting. I am interested in sites and blogs related to erotic personals.
Regards, Kate from Top Adult Personals

 
At 9:11 AM, Blogger make money online free! said...

Do you want to know everything about based business home idea latest ? Then read all about it on www.bestinternetearnings.com and make money!

 
At 5:09 AM, Anonymous mlm home based businesses said...

A fantastic blog yours. Keep it up.
If you have a moment, please visit my mlm home based businesses site.
I send you warm regards and wish you continued success.

 
At 12:47 AM, Anonymous mlm money home business said...

A fantastic blog yours. Keep it up.
If you have a moment, please visit my mlm money home business site.
I send you warm regards and wish you continued success.

 
At 6:22 AM, Anonymous adult entertainment awards said...

Hi Fellow! I was just searching blogs,and I found yours! I like it!
If you have a moment, please visit my adult entertainment awards site.
Good luck!

 
At 6:22 AM, Anonymous adult entertainment awards said...

Hi Fellow! I was just searching blogs,and I found yours! I like it!
If you have a moment, please visit my adult entertainment awards site.
Good luck!

 
At 2:16 PM, Anonymous Anonymous said...

Debt Settlement
Debt Relief can help you reduce your interest burden by charging an interest rate lower than the rate on your existing loans. Debt consolidation loan can also allow you to make small monthly payments by extending the loan period
http://www.debt1consolidation.com

 
At 1:26 PM, Anonymous yamaha computer speaker said...

Hi Friend! You have a great blog over here!
Please accept my compliments and wishes for your happiness and success!
If you have a moment, please take a look at my yamaha computer speaker site.
Have a great day!

 
At 1:08 PM, Anonymous Anonymous said...

Debt Settlement
Debt Relief can help you reduce your interest burden by charging an interest rate lower than the rate on your existing loans. Debt consolidation loan can also allow you to make small monthly payments by extending
http://www.Xyourdebt.com

 
At 10:36 PM, Anonymous Anonymous said...

Walter Sucks
Walter is A THIEF Scam Walter owes me $4000.00
http://www.Superblogsubmittersucks.com

 
At 1:32 PM, Anonymous .fm domain names said...

Your blog I found to be very interesting!
I just came across your blog and wanted to
drop you a note telling you how impressed I was with
the information you have posted here.
I have a .fm domain names
site.
Come and check it out if you get time :-)
Best regards!

 
At 8:39 AM, Anonymous .biz domain names said...

I am here because of search results for blogs with a related topic to mine.
Please,accept my congratulations for your excellent work!
I have a .biz domain names site.
Come and check it out if you get time :-)
Best regards!

 
At 11:51 AM, Anonymous .biz domain names said...

I am here because of search results for blogs with a related topic to mine.
Please,accept my congratulations for your excellent work!
I have a .biz domain names site.
Come and check it out if you get time :-)
Best regards!

 
At 4:07 AM, Anonymous make money survey taking said...

Hi Blogger, I found your blog quite informative.
I just came across your blog and wanted to
drop you a note telling you how impressed I was with it.
I give you my best wishes for your future endeavors.
If you have a moment, please visit my make money survey taking site.
Have a great week!

 
At 12:16 AM, Blogger Bill Harrison said...

Your blog I found to be very interesting!
I just came across your blog and wanted to
drop you a note telling you how impressed I was with
the information you have posted here.
I have a 1 domain hosting virtual
site.
Come and check it out if you get time :-)
Best regards!

 
At 9:05 PM, Blogger Jane Carpenter said...

Your blog I found to be very interesting!
I just came across your blog and wanted to
drop you a note telling you how impressed I was with
the information you have posted here.
I have a 123 domain registration
site.
Come and check it out if you get time :-)
Best regards!

 
At 4:37 PM, Anonymous Anonymous said...

Debt Settlement
Debt Relief can help you reduce your interest burden by charging an interest rate lower than the rate on your existing loans. Debt consolidation loan can also allow you to make small monthly payments by extending the loan period
http://www.debt-consolidation.com

 
At 12:56 PM, Anonymous Anonymous said...

Is it weird for girls to look at porn? I'm a 18-year-old girl. I often look at porn on the computer at home. Is there anything wrong with that? My friends don't talk about stuff like that, but I know guys do. I like this site adult friend finder com

 
At 7:15 PM, Anonymous Scott Arthur Edwards said...

Dear friends, here is a really cool site that gives you a lot of FREE information that you can really use. Get FREE Daily and Weekly Foreign Exchange Outlook, Rates, Trends and Currency Shifts. Click here: FOREX

 
At 4:21 PM, Anonymous Scott Arthur Edwards said...

Here it is... FREE advertising, FREE download. No cost to you! Get your FREE download NOW! Make money and get FREE advertising! This is a great program for you to take advantage of... Check this out now for FREE!

To find out more visit: network marketing site. It successfully exposes FREE information covering traffic and network marketing related stuff. Don't forget, FREE, FREE, FREE!!!

 
At 4:21 PM, Anonymous Scott Arthur Edwards said...

Here it is... FREE advertising, FREE download. No cost to you! Get your FREE download NOW! Make money and get FREE advertising! This is a great program for you to take advantage of... Check this out now for FREE!

To find out more visit: network marketing site. It successfully exposes FREE information covering traffic and network marketing related stuff. Don't forget, FREE, FREE, FREE!!!

 
At 11:49 PM, Anonymous Anonymous said...

I like your blog page with all the unique topics you talk about.I will surely bookmark this blog for future reference.Keep the Great Work you are doing on this blog going.

Since last month it seems a little wierd when you type a particular keyword phrase in you get a totally different return for your search.Basically I was looking for free home based business and your blog popped up.So this is really cool for your blog when you recieve free search engine traffic.Me personally I would love this type of unique visitors.So if you ever around my neck of the woods and need more free traffic exposure for your web blogs or web site.Please remember this link for all your free traffic needs.
http://www.home-business-offer.com/

 
At 11:24 PM, Anonymous Anonymous said...

Debt Consolidation
Debt Help Home Loans Student Loan Consolidation can help you reduce your interest burden by charging an interest rate lower than the rate on your existing loans. Debt consolidation loan can also allow you to make small monthly payments......
http://www.debt-consolidation.com

 
At 5:09 PM, Anonymous Anonymous said...

Debt Consolidation
Debt Help Home Loans Student Loan Consolidation can help you reduce your interest burden by charging an interest rate lower than the rate on your existing loans. Debt consolidation loan can also allow you to make small monthly payments......
http://www.debt-consolidation.com

 
At 3:41 PM, Blogger James Baker said...

Hey, you have a great blog here! I'm definitely going to bookmark you!
I have a china domain name site.
Come and check it out if you get time :-)
Greetings.

 
At 5:24 PM, Blogger Bill Harrison said...

Hey, you have a great blog here! I'm definitely going to bookmark you!
I have a loans bad credit site.
Come and check it out if you get time :-)
Greetings.

 
At 5:25 PM, Anonymous Anonymous said...

1 Referral = $3.904.00 per MONTH!
2 Referrals = $5,856.00 per MONTH!
...Imagine what YOU can earn every month with our home business!

No Recruiting! Fully Automated!
Never pay more than $10 per month..with this great home business

 
At 8:51 AM, Anonymous Anonymous said...

Some popular casino games online you can find at web casino but the most gambling
casino games is fun to play, the news promoting how to play poker and another online casino games
so the world's population choosing play casino fun online games!!

 
At 9:02 AM, Anonymous marketing said...

I just came across a new system similar to PAS, but this marketing system seems to be much more powerful!

They offer a real value in their training system which aims to help any internet marketer to improve their results in marketing.

Check it out and see how you think it compares... marketing

Personally, I have been with that OTHER program for six months and have spent hundreds and still haven't qualified! I think this new marketing system is leaps and bounds ahead of the game.

Again, you can investigate this new method of marketing for yourself.

 
At 6:45 PM, Anonymous Anonymous said...

Debt Settlement
Debt Relief can help you reduce your interest burden by charging an interest rate lower than the rate on your existing loans. Debt consolidation loan can also allow you to make small monthly payments by extending the loan period
http://www.debt1consolidation.com

 
At 7:10 PM, Anonymous Anonymous said...

Debt Settlement
Debt Relief can help you reduce your interest burden by charging an interest rate lower than the rate on your existing loans. Debt consolidation loan can also allow you to make small monthly payments by extending the loan period
http://www.debtspaidoff.com/apply.htm

 
At 8:14 PM, Anonymous Anonymous said...

Debt Consolidation
Debt1consolidation.com entails taking out one loan to pay off many others. This is often done to secure a lower interest rate secure a fixed interest rate or for the convenience of servicing only one loan.

Debt consolidation can simply be from a number of unsecured loans into another unsecured loan, but more often it involves a secured loan against an asset that serves as collateral, which is most commonly a house (in this case a mortgage is secured against the house.) The collateralization of the loan allows a lower interest rate than without it, because by collateralizing, the asset owner agrees to allow the forced sale (foreclosure) of the asset to pay back the loan. The risk to the lender is reduced so the interest rate offered is lower.

Sometimes, debt consolidation companies can discount the amount of the loan. When the debtor is in danger of bankruptcy, the debt consolidator will buy the loan at a discount. A prudent debtor can shop around for consolidators who will pass along some of the savings. Consolidation can affect the ability of the debtor to discharge debts in bankruptcy, so the decision to consolidate must be weighed carefully.

Debt consolidation is often advisable in theory when someone is paying credit card debt. Credit cards can carry a much larger interest rate than even an unsecured loan from a bank. Debtors with property such as a home or car may get a lower rate through a secured loan using their property as collateral Then the total interest and the total cash flow paid towards the debt is lower allowing the debt to be paid off sooner, incurring less interest. In practice, many people are in credit card debt because they spend more than their income. If that habit continues, the consolidation will not benefit them much because they will simply increase their credit card balances again.

Because of the theoretical advantage that debt consolidation offers a consumer that has high interest debt balances, companies can take advantage of that benefit of refinancing to charge very high fees in the debt consolidation loan. Sometimes these fees are near the state maximum for mortgage fees. In addition, some unscrupulous companies will knowingly wait until a client has backed themselves into a corner and must refinance in order to consolidate and pay off bills that they are behind on the payments. If the client does not refinance they may lose their house, so they are willing to pay any allowable fee to complete the debt consolidation. In some cases the situation is that the client does not have enough time to shop for another lender with lower fees and may not even be fully aware of them. This practice is known as predatory lending Certainly many, if not most, debt consolidation transactions do not involve predatory lending.

In the United States, federal student loans are consolidated somewhat differently, as federal student loans are guaranteed by the U.S. government. In a federal student loan consolidation, existing loans are purchased and closed by a loan consolidation company or by the Department of Education (depending on what type of federal student loan the borrower holds). Interest rates for the consolidation are based on that year's student loan rate, which is in turn based on the 91-day Treasury bill rate at the last auction in May of each calendar year.

Student loan rates can fluctuate from the current low of 4.70% to a maximum of 8.25% for federal Stafford loans 9% for PLUS loans. The current consolidation program allows students to consolidate once with a private lender, and reconsolidate again only with the Department of Education. Upon consolidation, a fixed interest rate is set based on the then-current interest rate. Reconsolidating does not change that rate. If the student combines loans of different types and rates into one new consolidation loan, a weighted average calculation will establish the appropriate rate based on the then-current interest rates of the different loans being consolidated together.

Federal student loan consolidation is often referred to as refinancing, which is incorrect because the loan rates are not changed, merely locked in. Unlike private sector debt consolidation, student loan consolidation does not incur any fees for the borrower; private companies make money on student loan consolidation by reaping subsidies from the federal government.

Student loan consolidation can be beneficial to students' credit rating, but it's important to note that not all federal student loan consolidation companies report their loans to all credit bureaus; SLM Corporation (formerly Sallie Mae) does not report to Experian or Transunion which means that students will have differing credit scores at Equifax Transunion, and Experian.

Credit as a financial term, used in such terms as credit card refers to the granting of a loan and the creation of debt. Any movement of financial capital is normally quite dependent on credit, which in turn is dependent on the reputation or creditworthiness of the entity which takes responsibility for the funds.

A similar usage is in commercial trade where credit is used to refer to the approval for delayed payments for goods purchased. Sometimes if a person has financial instability or difficulty, credit is not granted. Companies frequently offer credit to their customers as part of the terms of a purchase agreement. Organizations that offer credit to their customers frequently employ a credit manager

Credit is denominated by a unit of account Unlike money (by a strict definition), credit itself cannot act as a unit of account. However, many forms of credit can readily act as a medium of exchange As such, various forms of credit are frequently referred to as money and are included in estimates of the money supply

Credit is also traded in the market The purest form is the "Credit Default Swap" market, which is essentially a traded market in credit insurance. A credit default swap represents the price at which two counterparties will exchange this risk — the protection "seller" takes the risk of default of the credit in return for a payment, commonly denoted in basis points (one basis point being 1/100 of a percent) of the notional amount to be referenced, while the protection "buyer" pays this premium and in the case of default of the underlying (a loan, bond or other receivable), delivers this receivable to the protection seller and receives from the seller the par amount ( i.e., is made whole).

Credit Education is the practice of providing consumers with information analyzing their credit behavior. Credit education is usually practiced by trained professionals knowledgeable in the analytics of the credit score and how consumer credit behavior effects both positive and negative credit eligibility. Credit education is usually assisted by sophisticated credit scoring models that mathematically assists the consumer, or counselor, in determining a credit improvement outcome.

Credit Education has become an increasingly practiced discipline due to sweeping increases in the use of the credit score and its affect on the prices consumers pay for loans, insurance, housing and utilities. It is also the major factor in loan eligibility.

Not to be confused with credit counseling credit education does not focus on debt counseling, nor involves the practice of collecting debt from consumers. Credit counseling and credit repair have consistently received negative publicity for its fee and management practices.

The largest suppliers for credit education data are Fair Isaac Corporation, CreditXpert and the three credit bureaus ( Experian, TransUnion and Equifax who deliver credit reports and credit scores. Among the largest providers of credit education services is Community Empower who, through the use of its own scoring models and national network of credit education counselors, provides consumers hands-on guidance using highly-trained local professionals.

Credit education has also received attention as a new discipline at the Community College level where new courses on the subject are being taught. Usually aligned with Mortgage Finance programs that teach college undergraduates principles of lending and underwriting credit education and credit recovery programs are giving students more extensive backgrounds in credit early in their careers. Among the early college level adoptors of credit education is the Los Angeles Community College District and Los Angeles Trade Technical College.

FICO is an acronym for Fair Isaac Corporation (traded publicly under the symbol FIC) and refers to the best-known credit score model in the United States, which is calculated using mathematical formulae developed by this company. The FICO score is primarily used in the consumer banking and credit industry. Banks and other institutions that use scores as a factor in their lending decisions may deny credit, charge higher interest rates or require more extensive income and asset verification if the applicants credit score is low.

FICO scores are designed to indicate the likelihood of a borrower being delinquent within the next 24 months. No public information is available to determine what the scores mean in terms of statistics. A separate score, BNI, is used to indicate likelihood of bankruptcy.

The three major credit reporting agencies (also often, but inaccurately referred to as credit bureaus) in the United States, Equifax, Experianand TransUnion calculate their own credit scores, which go by different trademark names as well as many different versions of the score (often differing because of what they are meant to predict and when they were written): Beacon, Beacon 96, and Pinnacle are all available only from Equifax; Empirica, Empirica Auto 95, Precision Score, and Precision 03 at TransUnion; and Fair Isaac Risk Score at Experian. These versions, while all developed for the agencies by Fair Isaac, differ and are periodically updated to reflect current consumer repayment behavior. The NextGen Scores are the most recent scores, but creditors vary in which version they prefer to use.

The scores use a multiple scorecard design. Each version uses 10 or more individual scorecards, and an individual is typically compared with similar others. (For example, a borrower with two 30-day late payments will be scored against a population with some minor delinquencies.) An individual is then graded according to what variables seem to indicate a repayment risk in that group. This feature may cause a borrower with delinquencies to score in the same range as a borrower without delinquencies.

Nearly all large banks also build and use their own proprietary statistical models for credit scoring purposes, often in conjunction with the FICO score or other outside scores.

The statistical models that generate credit scores are subject to federal regulations. The Federal Reserve Board's Regulation B, which implements the Equal Credit Opportunity Act, expressly prohibits a credit scoring model from considering any prohibited basis such as race, color, religion, national origin, sex, or marital status. Regulation B also stipulates that credit scoring models must be empirically derived and statistically sound. Furthermore, if an adverse action is taken as a result of the credit score ( e.g. an individual's application for credit is denied) then specific reasons for the denial must be provided to the individual. A statement that the individual "failed to score high enough" is insufficient; the reasons must be specific.

There exist several generally accepted algorithms for extracting the primary contributing factors to a low credit score. One or more of these algorithms is typically used to supply a list of reasons when a loan applicant has been denied credit, in order to satisfy the Regulation B requirement that specific reasons are disclosed. Some consumers feel these adverse action reasons are somewhat disingenuous, as the only determining factor for credit denials is a numeric score — the "reasons" are summed up only for the consumer.

Each of the credit reporting agencies has developed its own version of the credit score intended to compete with Fair Isaac's score. Although not as widely used, these scores (for example Trans Union's "TransRisk" score or Experian's "ScoreX" and "PLUS" scores) are less expensive than the FICO score. These scores are often derisively referred to by consumers and lenders as "FAKO" scores, for they do not use official Fair Isaac methodologies. The cost savings of a non-FICO score are tempting to some banks and credit card companies, who need an accurate risk assessment on millions of accounts every year. For ease of use, these scores tend to be mathematically scaled so that they fall in the same general range as the FICO score. Fair Isaac offers scoring models for the U.S ., Canada, and South Africa. It also offers a "Global FICO" for many other countries.

Credit scores are designed to measure the risk of default by taking into account various factors in a person's financial history. Although the exact formulae for calculating credit scores are closely guarded secrets, Fair Isaac has disclosed the following components and the approximate weighted contribution of each:

35% punctuality of payment in the past (only includes payments later than 30 days past due)
30% capacity used: the ratio of current revolving debt (credit card balances, etc.) to total available revolving credit (credit limits)
15% length of credit history
10% types of credit used (installment revolving consumer finance
10% recent search for credit and/or amount of credit obtained recently
The above percentages provide very limited guidance in understanding a credit score. For example, the 10% of the score allocated to "types of credit used" is undefined, leaving consumers unaware what type of credit mix to pursue. "Length of credit history" is also a murky concept; it consists of multiple factors - two being the oldest account open and the average length of time an account has been open. Although only 35% is attributed to punctuality, if a consumer is substantially late on numerous accounts, his score will fall far more than 35%. Bankruptcies, foreclosures, and judgments affect scores substantially, but are not included in the simplistic pie chart provided by Fair Isaac.

Further, Fair Isaac does not use the same "scorecard" for everyone. The scorecards are segmented so that there are over 100 different actual scoring models that are applied to different individuals based on different ranges of input values (some scorecard segmentations include: age, depth of credit history, etc.) The implications of this segmentation are that while the approximate weighted contribution above may be an average across all scorecards, individuals will receive different scores or weightings based on the scorecard segmentation that they fall into. Some consumers have noticed their scores decreasing by small amounts for no apparent reason.

Current income and employment history do not influence the FICO score, but they are weighed when applying for credit. For instance, an unemployed individual with no other sources of income will not usually be approved for a home mortgage, regardless of his or her FICO score.

There are other special factors which can weigh on the FICO score.

Any monies owed because of a court judgment, tax lien, or similar carry an additional negative penalty, especially when recent.
Having above a certain number of consumer finance company credit accounts also carries a negative weight (critics say that this causes a vicious cycle, locking people into continuing to use consumer finance companies).
The number of recent credit checks also can weigh down the score, although the credit agencies claim to allow for credit checks made within a certain window of time to not aggregate, so as to allow the consumer to shop around for rates.

A FICO score generally ranges from 300 to 850. It exhibits a left-skewed distribution with a US median around 725. 660 is generally regarded as potentially subprime and represents an important break point for credit worthiness. The performance of the scores is monitored and the scores are periodically aligned so that a credit grantor normally does not need to be concerned about which score card was employed.

Each individual actually has three credit scores for any given scoring model because the three credit agencies hold their own, independent databases. These databases are independent of each other and may contain entirely different data. Many lenders will check an applicant's score from each bureau and use the median score to determine the applicant's credit worthiness.

A new Vantage score has been offered by all three credit bureaus to creditors since spring 2006. It will soon be available to debtors. Its range is from 501 to 990. It is graded A (901-990), B (801-900), C (701-800), D (601-700), and F (501-600). It remains to be seen whether the Vantage Score will replace the FICO score or even be accepted by many creditors.

 
At 5:23 PM, Blogger Joe Berenguer said...

Hi Fellow! I was just searching blogs,and I found yours! I like it!
If you have a moment, please visit my online business Poland site.
Good luck!

 
At 3:50 AM, Blogger Scott A. Edwards said...

Warning: If you would like to make big money doing only 30 minutes per day of the easiest work you've ever done... Without having to leave your home, talk to anyone or sell anything... Then READ the following message to find out more... The AntiBusiness

 
At 5:52 AM, Anonymous Anonymous said...

WOW...!!! LOOK OUT... Hi my friends! I'm writing to you because I just came across a business that I think has great potential. It lets you save money on almost everything. Make money from almost everything, Including home loans- plus... help lower your taxes--best of all--it requires absolutely no investment. I thought you might be interested and like to check it out...

Here I have a moneymaking opportunities site/blog. It successfully covers moneymaking opportunities related stuff and almost everything else!

Come and check it out if you get time, Scott.

 
At 7:19 PM, Anonymous Anonymous said...

Hello we're Jer&Sooz of JerSooz Enterprises and noticed your into same niche as us easy make money online way well we come across a lot of Great Offers easy make money online way so thought would say check us out and maybe can help each other We like making LifeTime Friends and easy make money online way so have a Fun One and Best Wishes Thanks Jer&Sooz

 
At 1:19 PM, Anonymous Anonymous said...

personals ads

 
At 4:27 AM, Anonymous Anonymous said...

Learn how to install your Webserver Software & How to install PHP, MYSQL,PERL,PHPMYADMIN + MORE 100% FREE

YOU'LL DISCOVER...

How to host unlimited websites & domains for free.
How to install Webserver Software on your PC easily.
How to install PHP , MYSQL , PHPMYADMIN, PERL & ZEND... on your PC
Replicator site + MYSERVER Tutorials software to earn lots of money paid instantly to your PAYPAL account + how to promote it to millions 100% FREE.
And Much More...

Go here now : http://lnk.in/4cur

http://lnk.in/4cur

http://lnk.in/4cur

Thank you and hurry.

 
At 6:18 AM, Anonymous Anonymous said...

online personals searchcomdate single

 
At 10:45 AM, Anonymous Anonymous said...

Watiti.com
Join me and my circle of friends at http://www.watiti.com, an online social networking community that connects people from all over the world.

Meet new people, share photos, create or attend events, post free classifieds, send free e-cards, listen music, read blogs, upload videos, be part of a club, chat rooms, forum and much more!

See you around! Bring all your friends too!

Watiti.com

 
At 3:03 PM, Anonymous Anonymous said...

WORRY NO MORE ABOUT repossession vehicle BECAUSE LINKREFERRAL IS HERE AND IT IS FREE!! CLEAR YOUR DEBTS AND BUILD UP SAVINGS AND IT DOESN'T COST A BEAN!!

 
At 12:36 PM, Anonymous Anonymous said...

Hi! Echt cooler Blog, den du da hast!
Würd mich freuen wenn du auch mal bei mir vorbeischaust: http://guenterlechner.fuelsaveteam.com/

 
At 7:45 PM, Anonymous Anonymous said...

Watiti.com
Join me and my circle of friends at http://www.watiti.com,
an online social networking community that connects
people from all over the world.

Meet new people, share photos, create or attend
events, post free classifieds, send free e-cards,
listen music, read blogs, upload videos, be part of a
club, chat rooms, forum and much more!

See you around! Bring all your friends too!

Watiti.com

 
At 8:13 PM, Anonymous Anonymous said...

Adquity.com

Classifieds for our community. Buy, sell, trade, date, events... post anything. Adquity Classifieds.

Adquity.com

 
At 3:57 AM, Anonymous Anonymous said...

free work from home jobs

 
At 5:35 AM, Anonymous Anonymous said...

free house wanted annonces

 
At 3:03 AM, Anonymous Anonymous said...

fiction romance

 
At 4:15 PM, Blogger Kurt A. Tasche said...

Get over 10,000 hits per day to your website for free!! Check out
this traffic exchange forum

 
At 6:00 AM, Anonymous Anonymous said...

manufactured home

 
At 1:23 AM, Anonymous Anonymous said...

Great site about
opportunity knock. I am bookmarking it.
Please also visit my site aboutopportunity knock

 
At 1:41 PM, Anonymous Anonymous said...

Thanks for the tips and insights. I run site and blog for money making home business feel free to drop by and comment or swap links.

 
At 4:28 AM, Anonymous Anonymous said...

adult dvd

 
At 10:03 PM, Anonymous Anonymous said...

free dating ads

 
At 8:02 AM, Anonymous Anonymous said...

female picture rate

 
At 12:28 PM, Anonymous Anonymous said...

rate amateur picture

 
At 9:42 PM, Anonymous Anonymous said...

You've got a very useful blog here! Good resources too. I bookmarked it already…

My site Live Streaming Video is in connection with Live Streaming Video related data.

Feel free to visit it in your spare time.

Kind regards,
http://www.VideoEmailJob.com

 
At 10:53 PM, Anonymous Anonymous said...

You have to check out www.thedesktv.com you will be able to watch tv on your pc from all over the world.

 
At 11:15 PM, Anonymous Anonymous said...

Thanks for the tips and insights. I run site and blog for work from home business feel free to drop by and comment or swap links.

 
At 11:10 PM, Anonymous Anonymous said...

event halls

 
At 7:35 AM, Anonymous Anonymous said...

single family home builder

 
At 7:00 PM, Anonymous Anonymous said...

**pc tv**

 
At 8:38 AM, Anonymous Anonymous said...

hi people,this is a simple test
sorry sex video
ggg

 
At 8:43 AM, Anonymous Anonymous said...

Hey, you have a great blog here! I'm definitely going to bookmark you!

I have a home business career site. It pretty much covers home business career related stuff.

Come and check it out if you get time :-)

 
At 10:16 AM, Anonymous Anonymous said...







groovybus.com
cowlist.com
bigassadventure.com
world-sex-archives.com
sexmaxx.com
picpost.com
everywhere.com-hair
mature-for-you.com
extremeapril.com
x-ho.com

 
At 6:04 PM, Anonymous Anonymous said...

mature clip sex furniture such as its enthusiastic acceptance though contemporary swingers celebrate In the USA similar format One notable contact is very
rare
is the middle communities in Centers for Disease or both pa
rents among the teens
those of will hear you Fifteen-year-old Debbie modern swinging. on any foreign tours that swinging began have heard Sex Under the Influence of Alcohol and Other Drugs anal
video
A student - the last
gspot.com/>mysecretmovies
modern swinging. require minors to or consent laws renting an was not simply

 
At 1:37 AM, Anonymous Anonymous said...

Thanks for the tips and insights. I run site and blog for small home based business opportunity feel free to drop by and comment or swap links.

 
At 6:58 PM, Anonymous Anonymous said...

Risk Free Program. No Selling Or Inventory. Call 1-800-719-8268 Ext.B0116

 
At 3:43 PM, Anonymous Anonymous said...









gay gratis video
fresh sex
clip sex video
adult video on demand
homemade adult video
free sex video trailer
free full length sex video

 
At 8:56 AM, Anonymous Anonymous said...





















mature



mature


 
At 4:08 AM, Anonymous Anonymous said...

Blog about home lake minnesota sale

Hi

Enjoyed the blog - nice to see someone else has activated their anonymous feature ;-)

I'm interested in investing in the real estate market in the US and am looking for some really cheap repossession properties in Miami, Florida, California, New York, Washington, Dallas, Texas, Chicago and Los Angeles. I've found a couple of really good sites - Bargain network which has some really cheap homes and Texas Ranches for sale - ranches in Texas plus both sites have beachfront villas and cars that have been repossessed and are really cheap!! Just wondering if there are any more sites like this.

Thanks for this.

John

 
At 10:18 AM, Anonymous Anonymous said...









teenboat
chat single teen
pink world
pic sex teen
bbs teen
moms teaching teen
teenboat
free teen porn
blow job teen
chat rom teen
butt teen
pregnancy teen
free sex teen video
bedding teen
angel teen

 
At 8:57 PM, Anonymous Anonymous said...

Business Opportunities

 
At 1:24 PM, Anonymous Anonymous said...









Sasha Knox
Kathy Blanche
Haley Paige
Lindsey Meadows
Jamie Brooks
Haley Scott
Kathy Anderson
April Flowers
Alex Devine
Tyler Houston
Jessica Sweet
Lexi Love
Jules Van
Jamie Elle
Tia Tanaka

 
At 2:51 AM, Anonymous Anonymous said...


















ogspot.com/>indienudes.com

 
At 12:01 PM, Anonymous Anonymous said...

[url=http://fob-shesexy-com.blogspot.com/]Hot Girl With An Ass Tease Followed By Hardcore Anal Action[/url]
[url=http://non-so-so-young-com.blogspot.com/]Angel In Lingerie Smoke Cigarette[/url]
[url=http://tez-teenybopperclub-com.blogspot.com/]Busty Action Chick Amanda Gets Licked And Anal Slammed At Home[/url]
[url=http://foj-sexape-com.blogspot.com/]Sexy Shemale And Dude In Anal And Cum Action[/url]
[url=http://dow-viewgals-com.blogspot.com/]Amateur Mature Showing Pussy[/url]
[url=http://gox-xasses-com.blogspot.com/]Adorable Beauty Amateur Blonde Slut Sucking Huge Cock And Banana[/url]
[url=http://viz-spewie-com.blogspot.com/]32 dd natural titties on teen[/url]
[url=http://sor-tslist-com.blogspot.com/]Cute Exotic Asian Babe Showing Boobs And Beautiful Pussy[/url]
[url=http://sif-sexgrannies-com.blogspot.com/]Adorable American Milf College Teacher Shows Amazing Ass[/url]
[url=http://wiv-taylorbow-com.blogspot.com/]Blonde Hottie Cock Filled In Extreme And Wild Gang Bang Action[/url]

[url=http://foj-sexape-com.blogspot.com/]sexape.com[/url] [url=http://qiv-projectvoyeur-com.blogspot.com/]projectvoyeur[/url] [url=http://cez-porn-net.blogspot.com/]porn[/url] [url=http://jic-superdiosas-com.blogspot.com/]superdiosas.com[/url] [url=http://viq-videosection-com.blogspot.com/]videosection.com[/url] [url=http://deg-sexnemo-com.blogspot.com/]sexnemo[/url] [url=http://kej-real
itypassplus-com.blogspot.com/]realitypassplus[/url] [url=http://fer-plumper69-com.blogspot.com/]plumper69[/url] [url=http://cen-yourlust-com.blogspot.com/]yourlust.com[/url] [url=http://geq-xnxx-com.blogspot.com/]xnxx[/url] [url=http://zoq-pornstarvid-com.blogspot.com/]pornstarvid[/url] [url=http://len-rawpussy-com.blogspot.com/]rawpussy[/url] [url=http://dup-tinyeve-net.blogspot.com/]tinyeve.net[/url] [url=http://zik-porndirectory-com.blogspot.com/]porndirectory.com[/url] [url=http://fuw-teenel-com.blogspot.com/]teenel.com[/url] [url=http://cen-yourlust-com.blogspot.com/]yourlust.com[/url] [url=http://zed-starcelebs-com.blogspot.com/]starcelebs[/url] [url=http://cuk-prettyhotbabes-com.blogspot.com/]prettyhotbabes.com[/url] [url=http://qek-wetplace-com.blogspot.com/]wetplace.com[/url] [url=http://pih-searchgalleries-com.blogspot.com/]searchgalleries[/url]

 
At 8:21 AM, Anonymous Anonymous said...

[url=http://tightdelights-com-fr33site.blogspot.com/]Hardcore Action On The Kitchen Table[/url]
[url=http://pornoho-com-fr33site.blogspot.com/]American Spirit Brunette Showing Her Big Melons[/url]
[url=http://black-booty-movies-com-fr33site.blogspot.com/]Eva Angelina Slipping Off Pink Lace Bra And Panties[/url]
[url=http://gumaxxx-com-fr33site.blogspot.com/]Busty Blonde Angel In Stockings Working Wonders[/url]
[url=http://fantasticnudes-com-fr33site.blogspot.com/]Adorable Babe Kimmy Blows Cock[/url]
[url=http://firsttimeauditions-com-fr33site.blogspot.com/]Submissive Asian Has Her Face Covered In Nut[/url]
[url=http://hotorange-net-fr33site.blogspot.com/]Celebrity Angelina Jolie Nude In Sex Scenes[/url]

[url=http://bunnyteens-com-fr33site.blogspot.com/]bunnyteens[/url] [url=http://socalmovies-com-fr33site.blogspot.com/]socalmovies[/url] [url=http://mia-movies-com-fr33site.blogspot.com/]mia-movies.com[/url] [url=http://petiteteenager-com-fr33site.blogspot.com/]petiteteenager.com[/url] [url=http://xxxdessert-com-fr33site.blogspot.com/]xxxdessert.com[/url] [url=http://bunnyteens-com-fr33site.blogspot.com/]bunnyteens.com[/url] [url=http://boneme-com-fr33site.blogspot.com/]boneme.com[/url] [url=http://teenybopperc
lub-com-fr33site.blogspot.com/]teenybopperclub[/url] [url=http://shemp-com-fr33site.blogspot.com/]shemp.com[/url] [url=http://wowtgp-com-fr33site.blogspot.com/]wowtgp[/url] [url=http://fathut-com-fr33site.blogspot.com/]fathut[/url] [url=http://tshirthell-com-fr33site.blogspot.com/]tshirthell[/url] [url=http://nurglesnymphs-com-fr33site.blogspot.com/]nurglesnymphs.com[/url] [url=http://pued-com-fr33site.blogspot.com/]pued[/url] [url=http://sologals-com-fr33site.blogspot.com/]sologals[/url] [url=http://yourlust-com-fr33site.blogspot.com/]yourlust.com[/url] [url=http://lodita-com-fr33site.blogspot.com/]lodita[/url] [url=http://two-lips-com-fr33site.blogspot.com/]two-lips.com[/url] [url=http://ispycameltoe-com-fr33site.blogspot.com/]ispycameltoe[/url] [url=http://fuckk-com-fr33site.blogspot.com/]fuckk.com[/url]

 
At 11:44 PM, Anonymous Anonymous said...

[url=http://frees--jubbi-com.blogspot.com/]Amateur Anal Brunette Hardcore Pornstar Bedroom[/url]
[url=http://frees--gallfree-com.blogspot.com/]Hot Asian Pornstar Nautica Thorn Having Hardcore Sex On Film[/url]
[url=http://frees--boysfirsttime-com.blogspot.com/]Adorable College Cutie Stripping[/url]
[url=http://frees--dansmovies-com.blogspot.com/]Asian Babe Fingers Her Shaved Pussy While Riding A Hard Dick[/url]
[url=http://frees--carlaschoice-com.blogspot.com/]Amateur Babe Sucks Two Cocks[/url]
[url=http://frees--adult-list-com.blogspot.com/]Celebrity Jaime Pressly All Nude And Sex Action Movie Scenes[/url]
[url=http://frees--innocentdream-com.blogspot.com/]Amateur Fingers Moist Pink[/url]
[url=http://frees--jasara-com.blogspot.com/]Two Eightien Year Old Lesbians In Action[/url]

[url=http://frees--18to19-com.blogspot.com/]18to19-com[/url] [url=http://frees--freepicseries-com.blogspot.com/]freepicseries-com[/url] [url=http://frees--181st-net.blogspot.com/]181st-net[/url] [url=http://frees--bondagepaper-com.blogspot.com/]bondagepaper-com[/url] [url=http://frees--call-kelly-com.blogspot.com/]call-kelly-com[/url] [url=http://frees--gumaxxx-com.blogspot.com/]gumaxxx-com[/url] [url=http://frees--africanvagina-com.blogspot.com/]africanvagina-com[/url] [url=http://frees--dixiecuties-com.blogspot.com/]dixiecuties-com[/url] [url=http://frees--bravogirls-com.blogspot.com/]bravogirls-com[/url] [url=http://frees--iwantmature-com.blogspot.
com/]iwantmature-com[/url] [url=http://frees--adult-list-com.blogspot.com/]adult-list-com[/url] [url=http://frees--black-booty-movies-com.blogspot.com/]black-booty-movies-com[/url] [url=http://frees--busstopwhores-com.blogspot.com/]busstopwhores-com[/url] [url=http://frees--black4free-com.blogspot.com/]black4free-com[/url] [url=http://frees--hotfunhouse-com.blogspot.com/]hotfunhouse-com[/url]

 
At 3:55 PM, Anonymous Anonymous said...

Great info. I have a cheap registered domains
articles site. Come and check it out if you get time :-)

 
At 2:28 AM, Anonymous Anonymous said...

[url=http://groovybus-com.frebnet.com]Hot Anal Action With A Beautiful Brunette Slut[/url]
[url=http://grannyorgies-com.frebnet.com]Sperm Drinking Pornstar Bianca After A Hardcore Anal Fuck[/url]
[url=http://nastyrat-com.beaffaired.com]Horny Young American Teen Girls Sharing One Lucky Hard Cock[/url]
[url=http://bignaturals-com.beaffaired.com]Hot Latina Pornstar Alicia Angel Fucks And Sucks Random Guys[/url]
[url=http://plumper69-com.beaffaired.com]Hot American Blonde Showing Her Tight Body In Bed[/url]
[url=http://hornycrocodile-com.timetopaynow.com]Adorable Booby Mature Pornstar[/url]
[url=http://grannyorgies-com.frebnet.com]Asian Slut Gets Facial Blasted[/url]
[url=http://allrealitypass-com.frebnet.com]Monica is a sweet brunette wearing only white lingerie[/url]

[url=http://ultrasexmovies-com.timetopaynow.com]ultrasexmovies.com[/url] [url=http://funberry-com.beaffaired.com]funberry.com[/url] [url=http://bigfreesex-com.hereandnow0.com]bigfreesex.com[/url] [url=http://lamalinks-com.blotrer.com]lamalinks.com[/url] [url=http://monstersofcock-com.timetopaynow.com]monstersofcock.com[/url] [url=http://teenseven-com.frebnet.com]teenseven.com[/url] [url=http://hotfunhouse-com.timetopaynow.com]hotfunhouse.com[/url] [u
rl=http://teenseven-com.frebnet.com]teenseven.com[/url] [url=http://fistinglessons-com.beaffaired.com]fistinglessons.com[/url] [url=http://bondagepaper-com.timetopaynow.com]bondagepaper.com[/url] [url=http://porneskimo-com.hereandnow0.com]porneskimo.com[/url] [url=http://pictureheaven-com.blotrer.com]pictureheaven.com[/url] [url=http://sublimepie-com.timetopaynow.com]sublimepie.com[/url] [url=http://pantybuns-com.timetopaynow.com]pantybuns.com[/url] [url=http://fishmpegs-com.hereandnow0.com]fishmpegs.com[/url] [url=http://hotfunhouse-com.timetopaynow.com]hotfunhouse.com[/url] [url=http://lamalinks-com.blotrer.com]lamalinks.com[/url] [url=http://teentiger-com.hereandnow0.com]teentiger.com[/url] [url=http://longestlist-com.frebnet.com]longestlist.com[/url] [url=http://pued-com.frebnet.com]pued.com[/url]

 
At 4:14 AM, Anonymous Anonymous said...

.





Hi matey

I'm sure it was this blog I was reading a while back where someone was looking for an SEO tool for driving more traffic and get more hits for their website.

Anyway, I was speaking to a techi guy at work who gets to know all the latest stuff and he uses the free Link Referral Program at http://marketingexperts.wordpress.com.

His website on affiliate program sales amongst other stuff has seen traffic explode since he started using the Link Referral Program - consequently his affiliate sales commissions and business sales went through the roof PLUS his website increased in google ranking which was an added bonus!!

If anyone else has any good ideas for driving more traffic to blogs/websites then please share with your online business blog buddies. Ta ;-)


home based business
home based business opportunity
internet home based business
home based web business
best home based business
home based business idea
home internet based business opportunity
start home based business
best home based business opportunity
online home based business
income opportunity home based business
legitimate home based business
home based business lead
mlm home based business
starting a home based business
top home based business
christian home based business
home based small business
home based internet marketing business
free home based business
work at home based business opportunity
computer home based business
home based mlm business opportunity
make money home based business
home based business work
home based travel business
easy home based business
serious home based business opportunity
small home based business opportunity
online home based business opportunity
home based business for woman
business opportunity home based work from
work from home based business
new home based business opportunity
start a home based business on the internet
based business business home opportunity
legitimate home based business opportunity
home based sales business
home based jewelry business
best rated home based business
home based franchise opportunity business
successful home based business
home based business opportunity idea
profitable home based business
internet home based business idea
home based business work at home
best home based business idea
home based business opportunity work at home
free home based internet business
home based business tax deduction
top home based business opportunity
home based computer business opportunity
unique home based business opportunity
home based affiliate business
home based business opportunity uk
income opportunity home based business idea
based business home incredible opportunity
based best business home small
starting home based internet business
christian home based business opportunity
home based business merchant account
best home based internet business
based business home network opportunity
home based business marketing
based business home idea latest
home based business review
home based business directory
based business career home opportunity
work at home based internet business
based business home job opportunity
home based business trade secret
best home based business
home based business magazine
home based computer business idea
home based business startup idea
home based business for sale
home based business cash opportunity
home based business web site
most successful home based business









.

 
At 10:42 PM, Anonymous Anonymous said...

it has become very easy to borrow loans these days. Advancements in technology particularly with the Internet have made it convenient for loan seekers to track the loan of their choice. With just a few clicks on a lender's website you can access the desired loan online. The ease with which loans are available online nowadays is the main reason behind the growing number of debt-related problems.

The vast number of loans taken on different occasions may have benefited you many times and may have even been a lifesaver in an urgent situation. However, you may not have known that these loans can pose a threat to you. Now you have to remember which lender to pay, how much and when. Failing to pay any of the installments on the loan may affect your credit score adversely. In such circumstances, debts become a burden. You may get into a life-long debt trap if you don't know how to handle these debts. A debt management program in such conditions can work as an effective debt management tool helping you in reducing the debt burden.

Here are a few debt management tips that can help you in managing your debts and getting your life back on the right track:

Create A Budget
An organized and well-planned budget can help you in keeping control over your monthly expenses. Write down each and every financial transaction you do each month; this will help you stay on track. It will give you a real idea of your finances and thus you can make the decision accordingly. A budget will give you an overview about how many funds you do have and how you are going to disburse the expenses with the available money. Setting up the budget is not enough: what is important is to stick to it.

Consolidate High Interest Loans
Consolidate your debts that carry a high rate of interest with a debt consolidation loan. A debt consolidation loan can work as an effective debt management tool. It will help you in getting rid of the debt burden by reducing the monthly outgoings. With a debt consolidation loan, you will get freedom from all the hassles involved in dealing with several creditors, you will be accountable to only one loan, one lender and one lower monthly installment.

Avoid taking on new credit
If you are already in a debt trap, avoid taking up a new loan. Borrowing a new loan may be of great help to you, but it will be in the short term. It may increase the debt burden and will add to your troubles rather then solving them.

Debt Management Counseling
You can also seek for advice from debt management counselors. The majority of the lenders in the US engage debt management counselors who have years of experience and can provide you with an easy road map to get rid of the debt trap by paying off the existing debts.

Learn To Save
A need for a loan arises when you do not have sufficient funds in your saving account to meet your personal desires. Make saving a habit, try not to overspend on unnecessary things. No, don't become a miser but use the funds carefully, a little sum of money saved today will be highly beneficial for you in the future and will make it easy for you to deal emergency cash need with the available funds on the right time and in the right manner.

Debt management is a time-consuming process. You can save your time and hard-earned money by employing a debt management company who will take care of your debt and can offer effective solutions to all your debt-related problems.

Tips for managing debts employed in the right manner can curb the menace created by debts, helping you get out of debt in an easier way. Paying off the existing debts will help you in securing a smoother and easier life for the future









it has become very easy to borrow loans these days. Advancements in technology particularly with the Internet have made it convenient for loan seekers to track the loan of their choice. With just a few clicks on a lender's website you can access the desired loan online. The ease with which loans are available online nowadays is the main reason behind the growing number of debt-related problems.

The vast number of loans taken on different occasions may have benefited you many times and may have even been a lifesaver in an urgent situation. However, you may not have known that these loans can pose a threat to you. Now you have to remember which lender to pay, how much and when. Failing to pay any of the installments on the loan may affect your credit score adversely. In such circumstances, debts become a burden. You may get into a life-long debt trap if you don't know how to handle these debts. A debt management program in such conditions can work as an effective debt management tool helping you in reducing the debt burden.

Here are a few debt management tips that can help you in managing your debts and getting your life back on the right track:

Create A Budget
An organized and well-planned budget can help you in keeping control over your monthly expenses. Write down each and every financial transaction you do each month; this will help you stay on track. It will give you a real idea of your finances and thus you can make the decision accordingly. A budget will give you an overview about how many funds you do have and how you are going to disburse the expenses with the available money. Setting up the budget is not enough: what is important is to stick to it.

Consolidate High Interest Loans
Consolidate your debts that carry a high rate of interest with a debt consolidation loan. A debt consolidation loan can work as an effective debt management tool. It will help you in getting rid of the debt burden by reducing the monthly outgoings. With a debt consolidation loan, you will get freedom from all the hassles involved in dealing with several creditors, you will be accountable to only one loan, one lender and one lower monthly installment.

Avoid taking on new credit
If you are already in a debt trap, avoid taking up a new loan. Borrowing a new loan may be of great help to you, but it will be in the short term. It may increase the debt burden and will add to your troubles rather then solving them.

Debt Management Counseling
You can also seek for advice from debt management counselors. The majority of the lenders in the US engage debt management counselors who have years of experience and can provide you with an easy road map to get rid of the debt trap by paying off the existing debts.

Learn To Save
A need for a loan arises when you do not have sufficient funds in your saving account to meet your personal desires. Make saving a habit, try not to overspend on unnecessary things. No, don't become a miser but use the funds carefully, a little sum of money saved today will be highly beneficial for you in the future and will make it easy for you to deal emergency cash need with the available funds on the right time and in the right manner.

Debt management is a time-consuming process. You can save your time and hard-earned money by employing a debt management company who will take care of your debt and can offer effective solutions to all your debt-related problems.

Tips for managing debts employed in the right manner can curb the menace created by debts, helping you get out of debt in an easier way. Paying off the existing debts will help you in securing a smoother and easier life for the future









it has become very easy to borrow loans these days. Advancements in technology particularly with the Internet have made it convenient for loan seekers to track the loan of their choice. With just a few clicks on a lender's website you can access the desired loan online. The ease with which loans are available online nowadays is the main reason behind the growing number of debt-related problems.

The vast number of loans taken on different occasions may have benefited you many times and may have even been a lifesaver in an urgent situation. However, you may not have known that these loans can pose a threat to you. Now you have to remember which lender to pay, how much and when. Failing to pay any of the installments on the loan may affect your credit score adversely. In such circumstances, debts become a burden. You may get into a life-long debt trap if you don't know how to handle these debts. A debt management program in such conditions can work as an effective debt management tool helping you in reducing the debt burden.

Here are a few debt management tips that can help you in managing your debts and getting your life back on the right track:

Create A Budget
An organized and well-planned budget can help you in keeping control over your monthly expenses. Write down each and every financial transaction you do each month; this will help you stay on track. It will give you a real idea of your finances and thus you can make the decision accordingly. A budget will give you an overview about how many funds you do have and how you are going to disburse the expenses with the available money. Setting up the budget is not enough: what is important is to stick to it.

Consolidate High Interest Loans
Consolidate your debts that carry a high rate of interest with a debt consolidation loan. A debt consolidation loan can work as an effective debt management tool. It will help you in getting rid of the debt burden by reducing the monthly outgoings. With a debt consolidation loan, you will get freedom from all the hassles involved in dealing with several creditors, you will be accountable to only one loan, one lender and one lower monthly installment.

Avoid taking on new credit
If you are already in a debt trap, avoid taking up a new loan. Borrowing a new loan may be of great help to you, but it will be in the short term. It may increase the debt burden and will add to your troubles rather then solving them.

Debt Management Counseling
You can also seek for advice from debt management counselors. The majority of the lenders in the US engage debt management counselors who have years of experience and can provide you with an easy road map to get rid of the debt trap by paying off the existing debts.

Learn To Save
A need for a loan arises when you do not have sufficient funds in your saving account to meet your personal desires. Make saving a habit, try not to overspend on unnecessary things. No, don't become a miser but use the funds carefully, a little sum of money saved today will be highly beneficial for you in the future and will make it easy for you to deal emergency cash need with the available funds on the right time and in the right manner.

Debt management is a time-consuming process. You can save your time and hard-earned money by employing a debt management company who will take care of your debt and can offer effective solutions to all your debt-related problems.

Tips for managing debts employed in the right manner can curb the menace created by debts, helping you get out of debt in an easier way. Paying off the existing debts will help you in securing a smoother and easier life for the future









it has become very easy to borrow loans these days. Advancements in technology particularly with the Internet have made it convenient for loan seekers to track the loan of their choice. With just a few clicks on a lender's website you can access the desired loan online. The ease with which loans are available online nowadays is the main reason behind the growing number of debt-related problems.

The vast number of loans taken on different occasions may have benefited you many times and may have even been a lifesaver in an urgent situation. However, you may not have known that these loans can pose a threat to you. Now you have to remember which lender to pay, how much and when. Failing to pay any of the installments on the loan may affect your credit score adversely. In such circumstances, debts become a burden. You may get into a life-long debt trap if you don't know how to handle these debts. A debt management program in such conditions can work as an effective debt management tool helping you in reducing the debt burden.

Here are a few debt management tips that can help you in managing your debts and getting your life back on the right track:

Create A Budget
An organized and well-planned budget can help you in keeping control over your monthly expenses. Write down each and every financial transaction you do each month; this will help you stay on track. It will give you a real idea of your finances and thus you can make the decision accordingly. A budget will give you an overview about how many funds you do have and how you are going to disburse the expenses with the available money. Setting up the budget is not enough: what is important is to stick to it.

Consolidate High Interest Loans
Consolidate your debts that carry a high rate of interest with a debt consolidation loan. A debt consolidation loan can work as an effective debt management tool. It will help you in getting rid of the debt burden by reducing the monthly outgoings. With a debt consolidation loan, you will get freedom from all the hassles involved in dealing with several creditors, you will be accountable to only one loan, one lender and one lower monthly installment.

Avoid taking on new credit
If you are already in a debt trap, avoid taking up a new loan. Borrowing a new loan may be of great help to you, but it will be in the short term. It may increase the debt burden and will add to your troubles rather then solving them.

Debt Management Counseling
You can also seek for advice from debt management counselors. The majority of the lenders in the US engage debt management counselors who have years of experience and can provide you with an easy road map to get rid of the debt trap by paying off the existing debts.

Learn To Save
A need for a loan arises when you do not have sufficient funds in your saving account to meet your personal desires. Make saving a habit, try not to overspend on unnecessary things. No, don't become a miser but use the funds carefully, a little sum of money saved today will be highly beneficial for you in the future and will make it easy for you to deal emergency cash need with the available funds on the right time and in the right manner.

Debt management is a time-consuming process. You can save your time and hard-earned money by employing a debt management company who will take care of your debt and can offer effective solutions to all your debt-related problems.

Tips for managing debts employed in the right manner can curb the menace created by debts, helping you get out of debt in an easier way. Paying off the existing debts will help you in securing a smoother and easier life for the future









it has become very easy to borrow loans these days. Advancements in technology particularly with the Internet have made it convenient for loan seekers to track the loan of their choice. With just a few clicks on a lender's website you can access the desired loan online. The ease with which loans are available online nowadays is the main reason behind the growing number of debt-related problems.

The vast number of loans taken on different occasions may have benefited you many times and may have even been a lifesaver in an urgent situation. However, you may not have known that these loans can pose a threat to you. Now you have to remember which lender to pay, how much and when. Failing to pay any of the installments on the loan may affect your credit score adversely. In such circumstances, debts become a burden. You may get into a life-long debt trap if you don't know how to handle these debts. A debt management program in such conditions can work as an effective debt management tool helping you in reducing the debt burden.

Here are a few debt management tips that can help you in managing your debts and getting your life back on the right track:

Create A Budget
An organized and well-planned budget can help you in keeping control over your monthly expenses. Write down each and every financial transaction you do each month; this will help you stay on track. It will give you a real idea of your finances and thus you can make the decision accordingly. A budget will give you an overview about how many funds you do have and how you are going to disburse the expenses with the available money. Setting up the budget is not enough: what is important is to stick to it.

Consolidate High Interest Loans
Consolidate your debts that carry a high rate of interest with a debt consolidation loan. A debt consolidation loan can work as an effective debt management tool. It will help you in getting rid of the debt burden by reducing the monthly outgoings. With a debt consolidation loan, you will get freedom from all the hassles involved in dealing with several creditors, you will be accountable to only one loan, one lender and one lower monthly installment.

Avoid taking on new credit
If you are already in a debt trap, avoid taking up a new loan. Borrowing a new loan may be of great help to you, but it will be in the short term. It may increase the debt burden and will add to your troubles rather then solving them.

Debt Management Counseling
You can also seek for advice from debt management counselors. The majority of the lenders in the US engage debt management counselors who have years of experience and can provide you with an easy road map to get rid of the debt trap by paying off the existing debts.

Learn To Save
A need for a loan arises when you do not have sufficient funds in your saving account to meet your personal desires. Make saving a habit, try not to overspend on unnecessary things. No, don't become a miser but use the funds carefully, a little sum of money saved today will be highly beneficial for you in the future and will make it easy for you to deal emergency cash need with the available funds on the right time and in the right manner.

Debt management is a time-consuming process. You can save your time and hard-earned money by employing a debt management company who will take care of your debt and can offer effective solutions to all your debt-related problems.

Tips for managing debts employed in the right manner can curb the menace created by debts, helping you get out of debt in an easier way. Paying off the existing debts will help you in securing a smoother and easier life for the future









it has become very easy to borrow loans these days. Advancements in technology particularly with the Internet have made it convenient for loan seekers to track the loan of their choice. With just a few clicks on a lender's website you can access the desired loan online. The ease with which loans are available online nowadays is the main reason behind the growing number of debt-related problems.

The vast number of loans taken on different occasions may have benefited you many times and may have even been a lifesaver in an urgent situation. However, you may not have known that these loans can pose a threat to you. Now you have to remember which lender to pay, how much and when. Failing to pay any of the installments on the loan may affect your credit score adversely. In such circumstances, debts become a burden. You may get into a life-long debt trap if you don't know how to handle these debts. A debt management program in such conditions can work as an effective debt management tool helping you in reducing the debt burden.

Here are a few debt management tips that can help you in managing your debts and getting your life back on the right track:

Create A Budget
An organized and well-planned budget can help you in keeping control over your monthly expenses. Write down each and every financial transaction you do each month; this will help you stay on track. It will give you a real idea of your finances and thus you can make the decision accordingly. A budget will give you an overview about how many funds you do have and how you are going to disburse the expenses with the available money. Setting up the budget is not enough: what is important is to stick to it.

Consolidate High Interest Loans
Consolidate your debts that carry a high rate of interest with a debt consolidation loan. A debt consolidation loan can work as an effective debt management tool. It will help you in getting rid of the debt burden by reducing the monthly outgoings. With a debt consolidation loan, you will get freedom from all the hassles involved in dealing with several creditors, you will be accountable to only one loan, one lender and one lower monthly installment.

Avoid taking on new credit
If you are already in a debt trap, avoid taking up a new loan. Borrowing a new loan may be of great help to you, but it will be in the short term. It may increase the debt burden and will add to your troubles rather then solving them.

Debt Management Counseling
You can also seek for advice from debt management counselors. The majority of the lenders in the US engage debt management counselors who have years of experience and can provide you with an easy road map to get rid of the debt trap by paying off the existing debts.

Learn To Save
A need for a loan arises when you do not have sufficient funds in your saving account to meet your personal desires. Make saving a habit, try not to overspend on unnecessary things. No, don't become a miser but use the funds carefully, a little sum of money saved today will be highly beneficial for you in the future and will make it easy for you to deal emergency cash need with the available funds on the right time and in the right manner.

Debt management is a time-consuming process. You can save your time and hard-earned money by employing a debt management company who will take care of your debt and can offer effective solutions to all your debt-related problems.

Tips for managing debts employed in the right manner can curb the menace created by debts, helping you get out of debt in an easier way. Paying off the existing debts will help you in securing a smoother and easier life for the future









it has become very easy to borrow loans these days. Advancements in technology particularly with the Internet have made it convenient for loan seekers to track the loan of their choice. With just a few clicks on a lender's website you can access the desired loan online. The ease with which loans are available online nowadays is the main reason behind the growing number of debt-related problems.

The vast number of loans taken on different occasions may have benefited you many times and may have even been a lifesaver in an urgent situation. However, you may not have known that these loans can pose a threat to you. Now you have to remember which lender to pay, how much and when. Failing to pay any of the installments on the loan may affect your credit score adversely. In such circumstances, debts become a burden. You may get into a life-long debt trap if you don't know how to handle these debts. A debt management program in such conditions can work as an effective debt management tool helping you in reducing the debt burden.

Here are a few debt management tips that can help you in managing your debts and getting your life back on the right track:

Create A Budget
An organized and well-planned budget can help you in keeping control over your monthly expenses. Write down each and every financial transaction you do each month; this will help you stay on track. It will give you a real idea of your finances and thus you can make the decision accordingly. A budget will give you an overview about how many funds you do have and how you are going to disburse the expenses with the available money. Setting up the budget is not enough: what is important is to stick to it.

Consolidate High Interest Loans
Consolidate your debts that carry a high rate of interest with a debt consolidation loan. A debt consolidation loan can work as an effective debt management tool. It will help you in getting rid of the debt burden by reducing the monthly outgoings. With a debt consolidation loan, you will get freedom from all the hassles involved in dealing with several creditors, you will be accountable to only one loan, one lender and one lower monthly installment.

Avoid taking on new credit
If you are already in a debt trap, avoid taking up a new loan. Borrowing a new loan may be of great help to you, but it will be in the short term. It may increase the debt burden and will add to your troubles rather then solving them.

Debt Management Counseling
You can also seek for advice from debt management counselors. The majority of the lenders in the US engage debt management counselors who have years of experience and can provide you with an easy road map to get rid of the debt trap by paying off the existing debts.

Learn To Save
A need for a loan arises when you do not have sufficient funds in your saving account to meet your personal desires. Make saving a habit, try not to overspend on unnecessary things. No, don't become a miser but use the funds carefully, a little sum of money saved today will be highly beneficial for you in the future and will make it easy for you to deal emergency cash need with the available funds on the right time and in the right manner.

Debt management is a time-consuming process. You can save your time and hard-earned money by employing a debt management company who will take care of your debt and can offer effective solutions to all your debt-related problems.

Tips for managing debts employed in the right manner can curb the menace created by debts, helping you get out of debt in an easier way. Paying off the existing debts will help you in securing a smoother and easier life for the future









it has become very easy to borrow loans these days. Advancements in technology particularly with the Internet have made it convenient for loan seekers to track the loan of their choice. With just a few clicks on a lender's website you can access the desired loan online. The ease with which loans are available online nowadays is the main reason behind the growing number of debt-related problems.

The vast number of loans taken on different occasions may have benefited you many times and may have even been a lifesaver in an urgent situation. However, you may not have known that these loans can pose a threat to you. Now you have to remember which lender to pay, how much and when. Failing to pay any of the installments on the loan may affect your credit score adversely. In such circumstances, debts become a burden. You may get into a life-long debt trap if you don't know how to handle these debts. A debt management program in such conditions can work as an effective debt management tool helping you in reducing the debt burden.

Here are a few debt management tips that can help you in managing your debts and getting your life back on the right track:

Create A Budget
An organized and well-planned budget can help you in keeping control over your monthly expenses. Write down each and every financial transaction you do each month; this will help you stay on track. It will give you a real idea of your finances and thus you can make the decision accordingly. A budget will give you an overview about how many funds you do have and how you are going to disburse the expenses with the available money. Setting up the budget is not enough: what is important is to stick to it.

Consolidate High Interest Loans
Consolidate your debts that carry a high rate of interest with a debt consolidation loan. A debt consolidation loan can work as an effective debt management tool. It will help you in getting rid of the debt burden by reducing the monthly outgoings. With a debt consolidation loan, you will get freedom from all the hassles involved in dealing with several creditors, you will be accountable to only one loan, one lender and one lower monthly installment.

Avoid taking on new credit
If you are already in a debt trap, avoid taking up a new loan. Borrowing a new loan may be of great help to you, but it will be in the short term. It may increase the debt burden and will add to your troubles rather then solving them.

Debt Management Counseling
You can also seek for advice from debt management counselors. The majority of the lenders in the US engage debt management counselors who have years of experience and can provide you with an easy road map to get rid of the debt trap by paying off the existing debts.

Learn To Save
A need for a loan arises when you do not have sufficient funds in your saving account to meet your personal desires. Make saving a habit, try not to overspend on unnecessary things. No, don't become a miser but use the funds carefully, a little sum of money saved today will be highly beneficial for you in the future and will make it easy for you to deal emergency cash need with the available funds on the right time and in the right manner.

Debt management is a time-consuming process. You can save your time and hard-earned money by employing a debt management company who will take care of your debt and can offer effective solutions to all your debt-related problems.

Tips for managing debts employed in the right manner can curb the menace created by debts, helping you get out of debt in an easier way. Paying off the existing debts will help you in securing a smoother and easier life for the future









it has become very easy to borrow loans these days. Advancements in technology particularly with the Internet have made it convenient for loan seekers to track the loan of their choice. With just a few clicks on a lender's website you can access the desired loan online. The ease with which loans are available online nowadays is the main reason behind the growing number of debt-related problems.

The vast number of loans taken on different occasions may have benefited you many times and may have even been a lifesaver in an urgent situation. However, you may not have known that these loans can pose a threat to you. Now you have to remember which lender to pay, how much and when. Failing to pay any of the installments on the loan may affect your credit score adversely. In such circumstances, debts become a burden. You may get into a life-long debt trap if you don't know how to handle these debts. A debt management program in such conditions can work as an effective debt management tool helping you in reducing the debt burden.

Here are a few debt management tips that can help you in managing your debts and getting your life back on the right track:

Create A Budget
An organized and well-planned budget can help you in keeping control over your monthly expenses. Write down each and every financial transaction you do each month; this will help you stay on track. It will give you a real idea of your finances and thus you can make the decision accordingly. A budget will give you an overview about how many funds you do have and how you are going to disburse the expenses with the available money. Setting up the budget is not enough: what is important is to stick to it.

Consolidate High Interest Loans
Consolidate your debts that carry a high rate of interest with a debt consolidation loan. A debt consolidation loan can work as an effective debt management tool. It will help you in getting rid of the debt burden by reducing the monthly outgoings. With a debt consolidation loan, you will get freedom from all the hassles involved in dealing with several creditors, you will be accountable to only one loan, one lender and one lower monthly installment.

Avoid taking on new credit
If you are already in a debt trap, avoid taking up a new loan. Borrowing a new loan may be of great help to you, but it will be in the short term. It may increase the debt burden and will add to your troubles rather then solving them.

Debt Management Counseling
You can also seek for advice from debt management counselors. The majority of the lenders in the US engage debt management counselors who have years of experience and can provide you with an easy road map to get rid of the debt trap by paying off the existing debts.

Learn To Save
A need for a loan arises when you do not have sufficient funds in your saving account to meet your personal desires. Make saving a habit, try not to overspend on unnecessary things. No, don't become a miser but use the funds carefully, a little sum of money saved today will be highly beneficial for you in the future and will make it easy for you to deal emergency cash need with the available funds on the right time and in the right manner.

Debt management is a time-consuming process. You can save your time and hard-earned money by employing a debt management company who will take care of your debt and can offer effective solutions to all your debt-related problems.

Tips for managing debts employed in the right manner can curb the menace created by debts, helping you get out of debt in an easier way. Paying off the existing debts will help you in securing a smoother and easier life for the future









it has become very easy to borrow loans these days. Advancements in technology particularly with the Internet have made it convenient for loan seekers to track the loan of their choice. With just a few clicks on a lender's website you can access the desired loan online. The ease with which loans are available online nowadays is the main reason behind the growing number of debt-related problems.

The vast number of loans taken on different occasions may have benefited you many times and may have even been a lifesaver in an urgent situation. However, you may not have known that these loans can pose a threat to you. Now you have to remember which lender to pay, how much and when. Failing to pay any of the installments on the loan may affect your credit score adversely. In such circumstances, debts become a burden. You may get into a life-long debt trap if you don't know how to handle these debts. A debt management program in such conditions can work as an effective debt management tool helping you in reducing the debt burden.

Here are a few debt management tips that can help you in managing your debts and getting your life back on the right track:

Create A Budget
An organized and well-planned budget can help you in keeping control over your monthly expenses. Write down each and every financial transaction you do each month; this will help you stay on track. It will give you a real idea of your finances and thus you can make the decision accordingly. A budget will give you an overview about how many funds you do have and how you are going to disburse the expenses with the available money. Setting up the budget is not enough: what is important is to stick to it.

Consolidate High Interest Loans
Consolidate your debts that carry a high rate of interest with a debt consolidation loan. A debt consolidation loan can work as an effective debt management tool. It will help you in getting rid of the debt burden by reducing the monthly outgoings. With a debt consolidation loan, you will get freedom from all the hassles involved in dealing with several creditors, you will be accountable to only one loan, one lender and one lower monthly installment.

Avoid taking on new credit
If you are already in a debt trap, avoid taking up a new loan. Borrowing a new loan may be of great help to you, but it will be in the short term. It may increase the debt burden and will add to your troubles rather then solving them.

Debt Management Counseling
You can also seek for advice from debt management counselors. The majority of the lenders in the US engage debt management counselors who have years of experience and can provide you with an easy road map to get rid of the debt trap by paying off the existing debts.

Learn To Save
A need for a loan arises when you do not have sufficient funds in your saving account to meet your personal desires. Make saving a habit, try not to overspend on unnecessary things. No, don't become a miser but use the funds carefully, a little sum of money saved today will be highly beneficial for you in the future and will make it easy for you to deal emergency cash need with the available funds on the right time and in the right manner.

Debt management is a time-consuming process. You can save your time and hard-earned money by employing a debt management company who will take care of your debt and can offer effective solutions to all your debt-related problems.

Tips for managing debts employed in the right manner can curb the menace created by debts, helping you get out of debt in an easier way. Paying off the existing debts will help you in securing a smoother and easier life for the future









it has become very easy to borrow loans these days. Advancements in technology particularly with the Internet have made it convenient for loan seekers to track the loan of their choice. With just a few clicks on a lender's website you can access the desired loan online. The ease with which loans are available online nowadays is the main reason behind the growing number of debt-related problems.

The vast number of loans taken on different occasions may have benefited you many times and may have even been a lifesaver in an urgent situation. However, you may not have known that these loans can pose a threat to you. Now you have to remember which lender to pay, how much and when. Failing to pay any of the installments on the loan may affect your credit score adversely. In such circumstances, debts become a burden. You may get into a life-long debt trap if you don't know how to handle these debts. A debt management program in such conditions can work as an effective debt management tool helping you in reducing the debt burden.

Here are a few debt management tips that can help you in managing your debts and getting your life back on the right track:

Create A Budget
An organized and well-planned budget can help you in keeping control over your monthly expenses. Write down each and every financial transaction you do each month; this will help you stay on track. It will give you a real idea of your finances and thus you can make the decision accordingly. A budget will give you an overview about how many funds you do have and how you are going to disburse the expenses with the available money. Setting up the budget is not enough: what is important is to stick to it.

Consolidate High Interest Loans
Consolidate your debts that carry a high rate of interest with a debt consolidation loan. A debt consolidation loan can work as an effective debt management tool. It will help you in getting rid of the debt burden by reducing the monthly outgoings. With a debt consolidation loan, you will get freedom from all the hassles involved in dealing with several creditors, you will be accountable to only one loan, one lender and one lower monthly installment.

Avoid taking on new credit
If you are already in a debt trap, avoid taking up a new loan. Borrowing a new loan may be of great help to you, but it will be in the short term. It may increase the debt burden and will add to your troubles rather then solving them.

Debt Management Counseling
You can also seek for advice from debt management counselors. The majority of the lenders in the US engage debt management counselors who have years of experience and can provide you with an easy road map to get rid of the debt trap by paying off the existing debts.

Learn To Save
A need for a loan arises when you do not have sufficient funds in your saving account to meet your personal desires. Make saving a habit, try not to overspend on unnecessary things. No, don't become a miser but use the funds carefully, a little sum of money saved today will be highly beneficial for you in the future and will make it easy for you to deal emergency cash need with the available funds on the right time and in the right manner.

Debt management is a time-consuming process. You can save your time and hard-earned money by employing a debt management company who will take care of your debt and can offer effective solutions to all your debt-related problems.

Tips for managing debts employed in the right manner can curb the menace created by debts, helping you get out of debt in an easier way. Paying off the existing debts will help you in securing a smoother and easier life for the future

 
At 8:52 PM, Anonymous Anonymous said...

mesothelioma
Mesothelioma
is a form of cancer that is almost always caused by exposure to Asbestos In this disease, malignant cells develop in the mesothelium, a protective lining that covers most of the body's internal organs. Its most common site is the pleura (outer lining of the lungs and internal chest wall), but it may also occur in the peritoneum (the lining of the abdominal cavity), the heart the pericardium (a sac that surrounds the heart or tunica vaginalis.
Most people who develop
mesothelioma
have worked on jobs where they inhaled asbestos particles, or they have been exposed to asbestos
dust and fiber in other ways. Washing the clothes of a family member who worked with asbestos
can also put a person at risk for developing Mesothelioma
Unlike lung cancer, there is no association between mesothelioma and smoking but smoking greatly increases risk of other asbestos induced cancer.Compensation via
Asbestos
funds or lawsuits is an important issue in
mesothelioma
The symptoms of
mesothelioma
include shortness of breath due to pleural effusion (fluid between the lung and the chest wall or chest wall pain, and general symptoms such as weight loss. The diagnosis may be suspected with chest X-ray and CT scan and is confirmed with a biopsy (tissue sample) and microscopic examination. A thoracoscopy inserting a tube with a camera into the chest) can be used to take biopsies. It allows the introduction of substances such as talc to obliterate the pleural space (called pleurodesis, which prevents more fluid from accumulating and pressing on the lung. Despite treatment with chemotherapy, radiation therapy or sometimes surgery, the disease carries a poor prognosis. Research about screening tests for the early detection of mesothelioma is ongoing.
Symptoms of mesothelioma may not appear until 20 to 50 years after exposure to asbestos. Shortness of breath, cough, and pain in the chest due to an accumulation of fluid in the pleural space are often symptoms of pleural
mesothelioma
Symptoms of peritoneal
mesothelioma
include weight loss and cachexia, abdominal swelling and pain due to ascites (a buildup of fluid in the abdominal cavity). Other symptoms of peritoneal
mesothelioma
may include bowel obstruction, blood clotting abnormalities, anemia, and fever. If the cancer has spread beyond the mesothelium to other parts of the body, symptoms may include pain, trouble swallowing, or swelling of the neck or face.
These symptoms may be caused by
mesothelioma
or by other, less serious conditions.
Mesothelioma
that affects the pleura can cause these signs and symptoms:
chest wall pain
pleural effusion, or fluid surrounding the lung
shortness of breath
fatigue or anemia
wheezing, hoarseness, or cough
blood in the sputum (fluid) coughed up hemoptysis
In severe cases, the person may have many tumor masses. The individual may develop a pneumothorax, or collapse of the lung The disease may metastasize, or spread, to other parts of the body.
Tumors that affect the abdominal cavity often do not cause symptoms until they are at a late stage. Symptoms include:
abdominal pain
ascites, or an abnormal buildup of fluid in the abdomen
a mass in the abdomen
problems with bowel function
weight loss
In severe cases of the disease, the following signs and symptoms may be present:
blood clots in the veins, which may cause thrombophlebitis
disseminated intravascular coagulation a disorder causing severe bleeding in many body organs
jaundice, or yellowing of the eyes and skin
low blood sugar level
pleural effusion
pulmonary emboli, or blood clots in the arteries of the lungs
severe ascites
A
mesothelioma
does not usually spread to the bone, brain, or adrenal glands. Pleural tumors are usually found only on one side of the lungs
Diagnosing
mesothelioma
is often difficult, because the symptoms are similar to those of a number of other conditions. Diagnosis begins with a review of the patient's medical history. A history of exposure to asbestos may increase clinical suspicion for
mesothelioma
A physical examination is performed, followed by chest X-ray and often lung function tests. The X-ray may reveal pleural thickening commonly seen after asbestos exposure and increases suspicion of
mesothelioma
A CT (or CAT) scan or an MRI is usually performed. If a large amount of fluid is present, abnormal cells may be detected by cytology if this fluid is aspirated with a syringe. For pleural fluid this is done by a pleural tap or chest drain, in ascites with an paracentesis or ascitic drain and in a pericardial effusion with pericardiocentesis. While absence of malignant cells on cytology does not completely exclude
mesothelioma
it makes it much more unlikely, especially if an alternative diagnosis can be made (e.g. tuberculosis, heart failure
If cytology is positive or a plaque is regarded as suspicious, a biopsy is needed to confirm a diagnosis of
mesothelioma
A doctor removes a sample of tissue for examination under a microscope by a pathologist. A biopsy may be done in different ways, depending on where the abnormal area is located. If the cancer is in the chest, the doctor may perform a thoracoscopy. In this procedure, the doctor makes a small cut through the chest wall and puts a thin, lighted tube called a thoracoscope into the chest between two ribs. Thoracoscopy allows the doctor to look inside the chest and obtain tissue samples.
If the cancer is in the abdomen, the doctor may perform a laparoscopy. To obtain tissue for examination, the doctor makes a small incision in the abdomen and inserts a special instrument into the abdominal cavity. If these procedures do not yield enough tissue, more extensive diagnostic surgery may be necessary.
There is no universally agreed protocol for screening people who have been exposed to
asbestos
Screening tests might diagnose mesothelioma earlier than conventional methods thus improving the survival prospects for patients. The serum osteopontin level might be useful in screening asbestos-exposed people for
mesothelioma
The level of soluble mesothelin-related protein is elevated in the serum of about 75% of patients at diagnosis and it has been suggested that it may be useful for screening. Doctors have begun testing the Mesomark assay which measures levels of soluble mesothelin-related proteins (SMRPs) released by diseased mesothelioma cells
Incidence
Although reported incidence rates have increased in the past 20 years, mesothelioma is still a relatively rare cancer. The incidence rate is approximately one per 1,000,000. The highest incidence is found in Britain, Australia and Belgium: 30 per 1,000,000 per year. For comparison, populations with high levels of smoking can have a lung cancer incidence of over 1,000 per 1,000,000. Incidence of malignant mesothelioma currently ranges from about 7 to 40 per 1,000,000 in industrialized Western nations, depending on the amount of asbestos exposure of the populations during the past several decades. It has been estimated that incidence may have peaked at 15 per 1,000,000 in the United States in 2004. Incidence is expected to continue increasing in other parts of the world. Mesothelioma occurs more often in men than in women and risk increases with age, but this disease can appear in either men or women at any age. Approximately one fifth to one third of all mesotheliomas are peritoneal.
Between 1940 and 1979, approximately 27.5 million people were occupationally exposed to asbestos in the United States.[ Between 1973 and 1984, there has been a threefold increase in the diagnosis of pleural mesothelioma in Caucasian males. From 1980 to the late 1990s, the death rate from mesothelioma in the USA increased from 2,000 per year to 3,000, with men four times more likely to acquire it than women. These rates may not be accurate, since it is possible that many cases of mesothelioma are misdiagnosed as adenocarcinoma of the lung, which is difficult to differentiate from mesothelioma.
Working with asbestos is the major risk factor for mesothelioma. A history of asbestos exposure exists in almost all cases. However, mesothelioma has been reported in some individuals without any known exposure to asbestos. In rare cases, mesothelioma has also been associated with irradiation, intrapleural thorium dioxide (Thorotrast), and inhalation of other fibrous silicates, such as erionite.
asbestos
is the name of a group of minerals that occur naturally as masses of strong, flexible fibers that can be separated into thin threads and woven.
asbestos
has been widely used in many industrial products, including cement, brake linings, roof shingles, flooring products, textiles, and insulation. If tiny asbestos particles float in the air, especially during the manufacturing process, they may be inhaled or swallowed, and can cause serious health problems. In addition to mesothelioma, exposure to asbestos increases the risk of lung cancer, asbestosis (a noncancerous, chronic lung ailment), and other cancers, such as those of the larynx and kidney.
The combination of smoking and
asbestos
exposure significantly increases a person's risk of developing cancer of the airways (lung cancer bronchial carcinoma). The Kent brand of cigarettes used
mesothelioma
in its filters for the first few years of production in the 1950s and some cases of
mesothelioma
have resulted. Smoking modern cigarettes does not appear to increase the risk of mesothelioma.
Some studies suggest that simian virus 40 may act as a cofactor in the development of mesothelioma.
Asbestos was known in antiquity, but it wasn't mined and widely used commercially until the late 1800s. Its use greatly increased during World War II Since the early 1940s, millions of American workers have been exposed to asbestos dust. Initially, the risks associated with
asbestos
exposure were not publicly known. However, an increased risk of developing mesothelioma was later found among shipyard workers, people who work in asbestos mines and mills, producers of asbestos products, workers in the heating and construction industries, and other tradespeople. Today, the U.S. Occupational Safety and Health Administration (OSHA) sets limits for acceptable levels of
asbestos
exposure in the workplace, and created guidelines for engineering controls and respirators, protective clothing, exposure monitoring, hygiene facilities and practices, warning signs, labeling, recordkeeping, and medical exams. By contrast, the British Government's Health and Safety Executive (HSE) states formally that any threshold for
mesothelioma
must be at a very low level and it is widely agreed that if any such threshold does exist at all, then it cannot currently be quantified. For practical purposes, therefore, HSE does not assume that any such threshold exists. People who work with
asbestos
wear personal protective equipment to lower their risk of exposure. Recent findings have shown that a mineral called erionite has been known to cause genetically pre-dispositioned individuals to have malignant mesothelioma rates much higher than those not pre-dispositioned genetically. A study in Cappadocia, Turkey has shown that 3 villiages in Turkey have death rates of 51% attributed to erionite related
mesothelioma
Exposure to
asbestos
fibres has been recognised as an occupational health hazard since the early 1900s. Several epidemiological studies have associated exposure to asbestos with the development of lesions such as asbestos bodies in the sputum, pleural plaques, diffuse pleural thickening, asbestosis, carcinoma of the lung and larynx, gastrointestinal tumours, and diffuse mesothelioma of the pleura and peritoneum.
The documented presence of
asbestos
fibres in water supplies and food products has fostered concerns about the possible impact of long-term and, as yet, unknown exposure of the general population to these fibres. Although many authorities consider brief or transient exposure to
asbestos
fibres as inconsequential and an unlikely risk factor, some epidemiologists claim that there is no risk threshold. Cases of mesothelioma have been found in people whose only exposure was breathing the air through ventilation systems. Other cases had very minimal (3 months or less) direct exposure.
Commercial
asbestos
mining at Wittenoom, Western Australia, occurred between 1945 and 1966. A cohort study of miners employed at the mine reported that while no deaths occurred within the first 10 years after crocidolite exposure, 85 deaths attributable to mesothelioma had occurred by 1985. By 1994, 539 reported deaths due to mesothelioma had been reported in Western Australia.
Family members and others living with
asbestos
workers have an increased risk of developing
mesothelioma
and possibly other asbestos related diseases. This risk may be the result of exposure to
asbestos
dust brought home on the clothing and hair of
asbestos
workers. To reduce the chance of exposing family members to asbestos fibres, asbestos workers are usually required to shower and change their clothing before leaving the workplace.
Many building materials used in both public and domestic premises prior to the banning of
asbestos
may contain
asbestos
Those performing renovation works or activities may expose themselves to asbestos dust. In the UK use of Chrysotile asbestos was banned at the end of 1999. Brown and blue
asbestos
was banned in the UK around 1985. Buildings built or renovated prior to these dates may contain asbestos materials.
For patients with localized disease, and who can tolerate a radical surgery, radiation is often given post-operatively as a consolidative treatment. The entire hemi-thorax is treated with radiation therapy, often given simultaneously with chemotherapy. Delivering radiation and chemotherapy after a radical surgery has led to extended life expectancy in selected patient populations with some patients surviving more than 5 years. As part of a curative approach to
mesothelioma
radiotherapy is also commonly applied to the sites of chest drain insertion, in order to prevent growth of the tumor along the track in the chest wall.
Although
mesothelioma
is generally resistant to curative treatment with radiotherapy alone, palliative treatment regimens are sometimes used to relieve symptoms arising from tumor growth, such as obstruction of a major blood vessel.
Radiation Therapy
when given alone with curative intent has never been shown to improve survival from
mesothelioma
The necessary radiation dose to treat mesothelioma that has not been surgically removed would be very toxic.
Chemotherapy is the only treatment for
mesothelioma
that has been proven to improve survival in randomised and controlled trials. The landmark study published in 2003 by Vogelzang and colleagues compared cisplatin chemotherapy alone with a combination of cisplatin and pemetrexed (brand name Alimta) chemotherapy) in patients who had not received chemotherapy for malignant pleural mesothelioma previously and were not candidates for more aggressive "curative" surgery. This trial was the first to report a survival advantage from chemotherapy in malignant pleural
mesothelioma
showing a statistically significant improvement in median survival from 10 months in the patients treated with cisplatin alone to 13.3 months in the combination pemetrexed group in patients who received supplementation with folate and vitamin B12. Vitamin supplementation was given to most patients in the trial and pemetrexed related side effects were significantly less in patients receiving pemetrexed when they also received daily oral folate 500mcg and intramuscular vitamin B12 1000mcg every 9 weeks compared with patients receiving pemetrexed without vitamin supplementation. The objective response rate increased from 20% in the cisplatin group to 46% in the combination pemetrexed group. Some side effects such as nausea and vomiting, stomatitis, and diarrhoea were more common in the combination pemetrexed group but only affected a minority of patients and overall the combination of pemetrexed and cisplatin was well tolerated when patients received vitamin supplementation; both quality of life and lung function tests improved in the combination pemetrexed group. In February 2004, the United States Food and Drug Administration approved pemetrexed for treatment of malignant pleural mesothelioma. However, there are still unanswered questions about the optimal use of chemotherapy, including when to start treatment, and the optimal number of cycles to give.
Cisplatin in combination with raltitrexed has shown an improvement in survival similar to that reported for pemetrexed in combination with cisplatin, but raltitrexed is no longer commercially available for this indication. For patients unable to tolerate pemetrexed, cisplatin in combination with gemcitabine or vinorelbine is an alternative, although a survival benefit has not been shown for these drugs. For patients in whom cisplatin cannot be used, carboplatin can be substituted but non-randomised data have shown lower response rates and high rates of haematological toxicity for carboplatin-based combinations, albeit with similar survival figures to patients receiving cisplatin.
In January 2009, the United States FDA approved using conventional therapies such as surgery in combination with radiation and or chemotherapy on stage I or II Mesothelioma after research conducted by a nationwide study by Duke University concluded an almost 50 point increase in remission rates.
Treatment regimens involving immunotherapy have yielded variable results. For example, intrapleural inoculation of Bacillus Calmette-Guérin (BCG) in an attempt to boost the immune response, was found to be of no benefit to the patient (while it may benefit patients with bladder cancer.
mesothelioma
cells proved susceptible to in vitro lysis by LAK cells following activation by interleukin-2 (IL-2), but patients undergoing this particular therapy experienced major side effects. Indeed, this trial was suspended in view of the unacceptably high levels of IL-2 toxicity and the severity of side effects such as fever and cachexia. Nonetheless, other trials involving interferon alpha have proved more encouraging with 20% of patients experiencing a greater than 50% reduction in tumor mass combined with minimal side effects.
A procedure known as heated intraoperative intraperitoneal chemotherapy was developed by Paul Sugarbaker at the Washington Cancer Institute. The surgeon removes as much of the tumor as possible followed by the direct administration of a chemotherapy agent, heated to between 40 and 48°C, in the abdomen. The fluid is perfused for 60 to 120 minutes and then drained.
This technique permits the administration of high concentrations of selected drugs into the abdominal and pelvic surfaces. Heating the chemotherapy treatment increases the penetration of the drugs into tissues. Also, heating itself damages the malignant cells more than the normal cells.

What is the mesothelium?
The mesothelium is a membrane that covers and protects most of the internal organs of the body. It is composed of two layers of cells: One layer immediately surrounds the organ; the other forms a sac around it. The mesothelium produces a lubricating fluid that is released between these layers, allowing moving organs (such as the beating heart and the expanding and contracting lungs to glide easily against adjacent structures.
The mesothelium has different names, depending on its location in the body. The peritoneum is the mesothelial tissue that covers most of the organs in the abdominal cavity. The pleura is the membrane that surrounds the lungs and lines the wall of the chest cavity. The pericardium covers and protects the heart. The
mesothelioma
tissue surrounding the male internal reproductive organs is called the tunica vaginalis testis. The tunica serosa uteri covers the internal reproductive organs in women.
What is mesothelioma?
mesothelioma
(cancer of the mesothelium) is a disease in which cells of the mesothelium become abnormal and divide without control or order. They can invade and damage nearby tissues and organs.
cancer
cells can also metastasize (spread) from their original site to other parts of the body. Most cases of mesothelioma begin in the pleura or peritoneum.
How common is mesothelioma?
Although reported incidence rates have increased in the past 20 years, mesothelioma is still a relatively rare cancer. About 2,000 new cases of mesothelioma are diagnosed in the United States each year. Mesothelioma occurs more often in men than in women and risk increases with age, but this disease can appear in either men or women at any age.
What are the risk factors for mesothelioma?
Working with asbestos is the major risk factor for mesothelioma. A history of asbestos exposure at work is reported in about 70 percent to 80 percent of all cases. However, mesothelioma has been reported in some individuals without any known exposure to asbestos.
Asbestos is the name of a group of minerals that occur naturally as masses of strong, flexible fibers that can be separated into thin threads and woven. Asbestos has been widely used in many industrial products, including cement, brake linings, roof shingles, flooring products, textiles, and insulation. If tiny asbestos particles float in the air, especially during the manufacturing process, they may be inhaled or swallowed, and can cause serious health problems. In addition to mesothelioma, exposure to asbestos increases the risk of lung cancer, asbestosis (a noncancerous, chronic lung ailment), and other cancers, such as those of the larynx and kidney.
Smoking does not appear to increase the risk of mesothelioma. However, the combination of smoking and asbestos exposure significantly increases a person's risk of developing cancer of the air passageways in the lung.
Who is at increased risk for developing mesothelioma?
Asbestos has been mined and used commercially since the late 1800s. Its use greatly increased during World War II. Since the early 1940s, millions of American workers have been exposed to asbestos dust. Initially, the risks associated with asbestos exposure were not known. However, an increased risk of developing mesothelioma was later found among shipyard workers, people who work in asbestos mines and mills, producers of asbestos products, workers in the heating and construction industries, and other tradespeople. Today, the U.S. Occupational Safety and Health Administration (OSHA) sets limits for acceptable levels of asbestos exposure in the workplace. People who work with asbestos wear personal protective equipment to lower their risk of exposure.
The risk of asbestos-related disease increases with heavier exposure to asbestos and longer exposure time. However, some individuals with only brief exposures have developed mesothelioma On the other hand, not all workers who are heavily exposed develop asbestos-related diseases.
There is some evidence that family members and others living with asbestos workers have an increased risk of developing mesothelioma, and possibly other asbestos-related diseases. This risk may be the result of exposure to
asbestos
dust brought home on the clothing and hair of
asbestos
workers. To reduce the chance of exposing family members to
asbestos
fibers, asbestos workers are usually required to shower and change their clothing before leaving the workplace.
What are the symptoms of mesothelioma?
Symptoms of mesothelioma may not appear until 30 to 50 years after exposure to
asbestos
Shortness of breath and pain in the chest due to an accumulation of fluid in the pleura are often symptoms of pleural mesothelioma. Symptoms of peritoneal mesothelioma include weight loss and abdominal pain and swelling due to a buildup of fluid in the abdomen. Other symptoms of peritoneal mesothelioma may include bowel obstruction blood clotting abnormalities, anemia, and fever. If the cancer has spread beyond the mesothelium to other parts of the body, symptoms may include pain, trouble swallowing, or swelling of the neck or face.
These symptoms may be caused by
mesothelioma
or by other, less serious conditions. It is important to see a doctor about any of these symptoms. Only a doctor can make a diagnosis
How is
mesothelioma
diagnosed?
Diagnosing mesothelioma is often difficult, because the symptoms are similar to those of a number of other conditions. Diagnosis begins with a review of the patient's medical history, including any history of asbestos exposure. A complete physical examination may be performed, including x-rays of the chest or abdomen and lung function tests. A CT (or CAT) scan or an MRI may also be useful. A CT scan is a series of detailed pictures of areas inside the body created by a computer linked to an x-ray machine. In an MRI, a powerful magnet linked to a computer is used to make detailed pictures of areas inside the body. These pictures are viewed on a monitor and can also be printed.
A biopsy is needed to confirm a diagnosis of mesothelioma. In a biopsy, a surgeon or a medical oncologist (a doctor who specializes in diagnosing and treating cancer) removes a sample of tissue for examination under a microscope by a pathologist. A biopsy may be done in different ways, depending on where the abnormal area is located. If the
cancer
is in the chest, the doctor may perform a thoracoscopy. In this procedure, the doctor makes a small cut through the chest wall and puts a thin, lighted tube called a thoracoscope into the chest between two ribs. Thoracoscopy allows the doctor to look inside the chest and obtain tissue samples. If the
cancer
is in the abdomen, the doctor may perform a peritoneoscopy. To obtain tissue for examination, the doctor makes a small opening in the abdomen and inserts a special instrument called a peritoneoscope into the abdominal cavity. If these procedures do not yield enough tissue, more extensive diagnostic surgery may be necessary.
If the diagnosis is mesothelioma, the doctor will want to learn the stage (or extent) of the disease. Staging involves more tests in a careful attempt to find out whether the cancer has spread and, if so, to which parts of the body. Knowing the stage of the disease helps the doctor plan treatment.
Mesothelioma
is described as localized if the cancer is found only on the membrane surface where it originated. It is classified as advanced if it has spread beyond the original membrane surface to other parts of the body, such as the lymph nodes, lungs, chest wall, or abdominal organs.
How is
mesothelioma
treated?
Treatment for mesothelioma depends on the location of the
cancer
the stage of the disease, and the patient's age and general health. Standard treatment options include surgery, radiation therapy, and chemotherapy. Sometimes, these treatments are combined.
Surgery is a common treatment for
mesothelioma
The doctor may remove part of the lining of the chest or abdomen and some of the tissue around it. For cancer of the pleura (pleural
mesothelioma
a lung may be removed in an operation called a pneumonectomy. Sometimes part of the diaphragm, the muscle below the lungs that helps with breathing, is also removed.
Stereo Tactic Radiation Therapy
also called radiotherapy, involves the use of high-energy rays to kill
cancer
cells and shrink tumors Radiation therapy affects the
cancer
cells only in the treated area. The radiation may come from a machine (external radiation) or from putting materials that produce radiation through thin plastic tubes into the area where the
cancer
cells are found (internal radiation therapy).
Chemotherapy
is the use of anticancer drugs to kill cancer cells throughout the body. Most drugs used to treat
mesothelioma
are given by injection into a vein (intravenous, or IV). Doctors are also studying the effectiveness of putting chemotherapy directly into the chest or abdomen (intracavitary chemotherapy).
To relieve symptoms and control pain, the doctor may use a needle or a thin tube to drain fluid that has built up in the chest or abdomen. The procedure for removing fluid from the chest is called thoracentesis. Removal of fluid from the abdomen is called paracentesis. Drugs may be given through a tube in the chest to prevent more fluid from accumulating. Radiation Therapy
and surgery may also be helpful in relieving symptoms.

 
At 9:03 PM, Anonymous Anonymous said...


First DUI Offense in California
1st Drunk Driving Conviction
Jail for no less than 96 hours and no more than 6 months. The fine will be no less than $390 and no more than $1,000. Your drivers license will be suspended for six months, however, if allowed, the court may grant the convicted a temporary restricted license. Your drivers license will not be reinstated until proof of financial responsibility and proof that you have completed a "driving under the influence" program approved by the state.
Second DUI Offense in California
2nd Drunk Driving Conviction
Jail for no less than 90 days and no more than 1 year. The fine will be no less than $390 and no more than $1,000 . Your drivers license will be suspended for 1 year. Your drivers license will not be reinstated until proof of financial responsibility and proof that you have completed a "driving under the influence" program approved by the state.
Third DUI Offense in California
3rd Drunk Driving Conviction
Jail for no less than 120 days and no more than 1 year. The fine will be no less than $390 and no more than $1,000 . You will be considered by the state a "habitual traffic offender" for 3 years following your conviction and have your license suspended for 2 years. Your drivers license will not be reinstated until proof of financial responsibility and proof that you have completed a "driving under the influence" program approved by the state. The person may apply for a restricted driver's license under certain circumstances by the court.
Fourth DUI Offense in California
4th Drunk Driving Conviction
Jail, Prison or both, for no less than 180 days and no more than 1 year. The fine will be no less than $390 and no more than $1,000 . You will be considered by the state a "habitual traffic offender" for 3 years following your conviction and have your license revoked for 3 years. Your drivers license will not be reinstated until proof of financial responsibility and proof that you have completed a "driving under the influence" program approved by the state. The person may apply for a restricted driver's license under certain circumstances by the court. The person may apply for a restricted driver's license under certain circumstances by the court.
Drunk driving laws in The State of California are similar to many other DUI laws across the United States. California's DUI law prohibits a person from driving when they have a concentration of .08 percent or more alcohol in their blood system. This is the standard measurement use by all states for the "impaired" driver

 
At 12:51 AM, Anonymous Anonymous said...

mesothelioma Mesotheliomais a form of cancer that is almost always caused by exposure to Asbestos In this disease, malignant cells develop in the mesothelium, a protective lining that covers most of the body's internal organs. Its most common site is the pleura (outer lining of the lungs and internal chest wall), but it may also occur in the peritoneum (the lining of the abdominal cavity), the heart the pericardium (a sac that surrounds the heart or tunica vaginalis.
Most people who develop
mesothelioma have worked on jobs where they inhaled asbestos particles, or they have been exposed to asbestos dust and fiber in other ways. Washing the clothes of a family member who worked with asbestos can also put a person at risk for developing Mesothelioma Unlike lung cancer, there is no association between mesothelioma and smoking but smoking greatly increases risk of other asbestos induced cancer.Compensation via
Asbestos funds or lawsuits is an important issue in
mesothelioma The symptoms of
mesothelioma include shortness of breath due to pleural effusion (fluid between the lung and the chest wall or chest wall pain, and general symptoms such as weight loss. The diagnosis may be suspected with chest X-ray and CT scan and is confirmed with a biopsy (tissue sample) and microscopic examination. A thoracoscopy inserting a tube with a camera into the chest) can be used to take biopsies. It allows the introduction of substances such as talc to obliterate the pleural space (called pleurodesis, which prevents more fluid from accumulating and pressing on the lung. Despite treatment with chemotherapy, radiation therapy or sometimes surgery, the disease carries a poor prognosis. Research about screening tests for the early detection of mesothelioma is ongoing.
Symptoms of mesothelioma may not appear until 20 to 50 years after exposure to asbestos. Shortness of breath, cough, and pain in the chest due to an accumulation of fluid in the pleural space are often symptoms of pleural
mesotheliomaSymptoms of peritoneal
mesothelioma include weight loss and cachexia, abdominal swelling and pain due to ascites (a buildup of fluid in the abdominal cavity). Other symptoms of peritoneal
mesothelioma may include bowel obstruction, blood clotting abnormalities, anemia, and fever. If the cancer has spread beyond the mesothelium to other parts of the body, symptoms may include pain, trouble swallowing, or swelling of the neck or face.
These symptoms may be caused by
mesothelioma or by other, less serious conditions.
Mesothelioma that affects the pleura can cause these signs and symptoms:
chest wall pain
pleural effusion, or fluid surrounding the lung
shortness of breath
fatigue or anemia
wheezing, hoarseness, or cough
blood in the sputum (fluid) coughed up hemoptysis
In severe cases, the person may have many tumor masses. The individual may develop a pneumothorax, or collapse of the lung The disease may metastasize, or spread, to other parts of the body.
Tumors that affect the abdominal cavity often do not cause symptoms until they are at a late stage. Symptoms include:
abdominal pain
ascites, or an abnormal buildup of fluid in the abdomen
a mass in the abdomen
problems with bowel function
weight loss
In severe cases of the disease, the following signs and symptoms may be present:
blood clots in the veins, which may cause thrombophlebitis
disseminated intravascular coagulation a disorder causing severe bleeding in many body organs
jaundice, or yellowing of the eyes and skin
low blood sugar level
pleural effusion
pulmonary emboli, or blood clots in the arteries of the lungs
severe ascites
A
mesothelioma does not usually spread to the bone, brain, or adrenal glands. Pleural tumors are usually found only on one side of the lungs
Diagnosing
mesothelioma is often difficult, because the symptoms are similar to those of a number of other conditions. Diagnosis begins with a review of the patient's medical history. A history of exposure to asbestos may increase clinical suspicion for
mesothelioma A physical examination is performed, followed by chest X-ray and often lung function tests. The X-ray may reveal pleural thickening commonly seen after asbestos exposure and increases suspicion of
mesothelioma A CT (or CAT) scan or an MRI is usually performed. If a large amount of fluid is present, abnormal cells may be detected by cytology if this fluid is aspirated with a syringe. For pleural fluid this is done by a pleural tap or chest drain, in ascites with an paracentesis or ascitic drain and in a pericardial effusion with pericardiocentesis. While absence of malignant cells on cytology does not completely exclude
mesothelioma it makes it much more unlikely, especially if an alternative diagnosis can be made (e.g. tuberculosis, heart failure
If cytology is positive or a plaque is regarded as suspicious, a biopsy is needed to confirm a diagnosis of
mesothelioma A doctor removes a sample of tissue for examination under a microscope by a pathologist. A biopsy may be done in different ways, depending on where the abnormal area is located. If the cancer is in the chest, the doctor may perform a thoracoscopy. In this procedure, the doctor makes a small cut through the chest wall and puts a thin, lighted tube called a thoracoscope into the chest between two ribs. Thoracoscopy allows the doctor to look inside the chest and obtain tissue samples.
If the cancer is in the abdomen, the doctor may perform a laparoscopy. To obtain tissue for examination, the doctor makes a small incision in the abdomen and inserts a special instrument into the abdominal cavity. If these procedures do not yield enough tissue, more extensive diagnostic surgery may be necessary.
There is no universally agreed protocol for screening people who have been exposed to
asbestosScreening tests might diagnose mesothelioma earlier than conventional methods thus improving the survival prospects for patients. The serum osteopontin level might be useful in screening asbestos-exposed people for
mesotheliomaThe level of soluble mesothelin-related protein is elevated in the serum of about 75% of patients at diagnosis and it has been suggested that it may be useful for screening. Doctors have begun testing the Mesomark assay which measures levels of soluble mesothelin-related proteins (SMRPs) released by diseased mesothelioma cells
Incidence
Although reported incidence rates have increased in the past 20 years, mesothelioma is still a relatively rare cancer. The incidence rate is approximately one per 1,000,000. The highest incidence is found in Britain, Australia and Belgium: 30 per 1,000,000 per year. For comparison, populations with high levels of smoking can have a lung cancer incidence of over 1,000 per 1,000,000. Incidence of malignant mesothelioma currently ranges from about 7 to 40 per 1,000,000 in industrialized Western nations, depending on the amount of asbestos exposure of the populations during the past several decades. It has been estimated that incidence may have peaked at 15 per 1,000,000 in the United States in 2004. Incidence is expected to continue increasing in other parts of the world. Mesothelioma occurs more often in men than in women and risk increases with age, but this disease can appear in either men or women at any age. Approximately one fifth to one third of all mesotheliomas are peritoneal.
Between 1940 and 1979, approximately 27.5 million people were occupationally exposed to asbestos in the United States.[ Between 1973 and 1984, there has been a threefold increase in the diagnosis of pleural mesothelioma in Caucasian males. From 1980 to the late 1990s, the death rate from mesothelioma in the USA increased from 2,000 per year to 3,000, with men four times more likely to acquire it than women. These rates may not be accurate, since it is possible that many cases of mesothelioma are misdiagnosed as adenocarcinoma of the lung, which is difficult to differentiate from mesothelioma.
Working with asbestos is the major risk factor for mesothelioma. A history of asbestos exposure exists in almost all cases. However, mesothelioma has been reported in some individuals without any known exposure to asbestos. In rare cases, mesothelioma has also been associated with irradiation, intrapleural thorium dioxide (Thorotrast), and inhalation of other fibrous silicates, such as erionite.
asbestos
is the name of a group of minerals that occur naturally as masses of strong, flexible fibers that can be separated into thin threads and woven.
asbestos
has been widely used in many industrial products, including cement, brake linings, roof shingles, flooring products, textiles, and insulation. If tiny asbestos particles float in the air, especially during the manufacturing process, they may be inhaled or swallowed, and can cause serious health problems. In addition to mesothelioma, exposure to asbestos increases the risk of lung cancer, asbestosis (a noncancerous, chronic lung ailment), and other cancers, such as those of the larynx and kidney.
The combination of smoking and
asbestos exposure significantly increases a person's risk of developing cancer of the airways (lung cancer bronchial carcinoma). The Kent brand of cigarettes used
mesothelioma in its filters for the first few years of production in the 1950s and some cases of
mesothelioma have resulted. Smoking modern cigarettes does not appear to increase the risk of mesothelioma.
Some studies suggest that simian virus 40 may act as a cofactor in the development of mesothelioma.
Asbestos was known in antiquity, but it wasn't mined and widely used commercially until the late 1800s. Its use greatly increased during World War II Since the early 1940s, millions of American workers have been exposed to asbestos dust. Initially, the risks associated with
asbestos exposure were not publicly known. However, an increased risk of developing mesothelioma was later found among shipyard workers, people who work in asbestos mines and mills, producers of asbestos products, workers in the heating and construction industries, and other tradespeople. Today, the U.S. Occupational Safety and Health Administration (OSHA) sets limits for acceptable levels of
asbestos exposure in the workplace, and created guidelines for engineering controls and respirators, protective clothing, exposure monitoring, hygiene facilities and practices, warning signs, labeling, recordkeeping, and medical exams. By contrast, the British Government's Health and Safety Executive (HSE) states formally that any threshold for
mesothelioma must be at a very low level and it is widely agreed that if any such threshold does exist at all, then it cannot currently be quantified. For practical purposes, therefore, HSE does not assume that any such threshold exists. People who work with
asbestos wear personal protective equipment to lower their risk of exposure. Recent findings have shown that a mineral called erionite has been known to cause genetically pre-dispositioned individuals to have malignant mesothelioma rates much higher than those not pre-dispositioned genetically. A study in Cappadocia, Turkey has shown that 3 villiages in Turkey have death rates of 51% attributed to erionite related
mesotheliomaExposure to
asbestos fibres has been recognised as an occupational health hazard since the early 1900s. Several epidemiological studies have associated exposure to asbestos with the development of lesions such as asbestos bodies in the sputum, pleural plaques, diffuse pleural thickening, asbestosis, carcinoma of the lung and larynx, gastrointestinal tumours, and diffuse mesothelioma of the pleura and peritoneum.
The documented presence of
asbestos fibres in water supplies and food products has fostered concerns about the possible impact of long-term and, as yet, unknown exposure of the general population to these fibres. Although many authorities consider brief or transient exposure to
asbestos fibres as inconsequential and an unlikely risk factor, some epidemiologists claim that there is no risk threshold. Cases of mesothelioma have been found in people whose only exposure was breathing the air through ventilation systems. Other cases had very minimal (3 months or less) direct exposure.
Commercial
asbestos mining at Wittenoom, Western Australia, occurred between 1945 and 1966. A cohort study of miners employed at the mine reported that while no deaths occurred within the first 10 years after crocidolite exposure, 85 deaths attributable to mesothelioma had occurred by 1985. By 1994, 539 reported deaths due to mesothelioma had been reported in Western Australia.
Family members and others living with
asbestos workers have an increased risk of developing
mesothelioma and possibly other asbestos related diseases. This risk may be the result of exposure to
asbestos dust brought home on the clothing and hair of
asbestos workers. To reduce the chance of exposing family members to asbestosMany building materials used in both public and domestic premises prior to the banning of
asbestos may contain
asbestos Those performing renovation works or activities may expose themselves to asbestos dust. In the UK use of Chrysotile asbestos was banned at the end of 1999. Brown and blue
asbestos was banned in the UK around 1985. Buildings built or renovated prior to these dates may contain asbestos materials.
For patients with localized disease, and who can tolerate a radical surgery, radiation is often given post-operatively as a consolidative treatment. The entire hemi-thorax is treated with radiation therapy, often given simultaneously with chemotherapy. Delivering radiation and chemotherapy after a radical surgery has led to extended life expectancy in selected patient populations with some patients surviving more than 5 years. As part of a curative approach to
mesothelioma radiotherapy is also commonly applied to the sites of chest drain insertion, in order to prevent growth of the tumor along the track in the chest wall.
Although
mesothelioma is generally resistant to curative treatment with radiotherapy alone, palliative treatment regimens are sometimes used to relieve symptoms arising from tumor growth, such as obstruction of a major blood vessel.
Radiation Therapy when given alone with curative intent has never been shown to improve survival from
mesothelioma The necessary radiation dose to treat mesothelioma that has not been surgically removed would be very toxic.
Chemotherapy is the only treatment for
mesothelioma that has been proven to improve survival in randomised and controlled trials. The landmark study published in 2003 by Vogelzang and colleagues compared cisplatin chemotherapy alone with a combination of cisplatin and pemetrexed (brand name Alimta) chemotherapy) in patients who had not received chemotherapy for malignant pleural mesothelioma previously and were not candidates for more aggressive "curative" surgery. This trial was the first to report a survival advantage from chemotherapy in malignant pleural
mesothelioma showing a statistically significant improvement in median survival from 10 months in the patients treated with cisplatin alone to 13.3 months in the combination pemetrexed group in patients who received supplementation with folate and vitamin B12. Vitamin supplementation was given to most patients in the trial and pemetrexed related side effects were significantly less in patients receiving pemetrexed when they also received daily oral folate 500mcg and intramuscular vitamin B12 1000mcg every 9 weeks compared with patients receiving pemetrexed without vitamin supplementation. The objective response rate increased from 20% in the cisplatin group to 46% in the combination pemetrexed group. Some side effects such as nausea and vomiting, stomatitis, and diarrhoea were more common in the combination pemetrexed group but only affected a minority of patients and overall the combination of pemetrexed and cisplatin was well tolerated when patients received vitamin supplementation; both quality of life and lung function tests improved in the combination pemetrexed group. In February 2004, the United States Food and Drug Administration approved pemetrexed for treatment of malignant pleural mesothelioma. However, there are still unanswered questions about the optimal use of chemotherapy, including when to start treatment, and the optimal number of cycles to give.
Cisplatin in combination with raltitrexed has shown an improvement in survival similar to that reported for pemetrexed in combination with cisplatin, but raltitrexed is no longer commercially available for this indication. For patients unable to tolerate pemetrexed, cisplatin in combination with gemcitabine or vinorelbine is an alternative, although a survival benefit has not been shown for these drugs. For patients in whom cisplatin cannot be used, carboplatin can be substituted but non-randomised data have shown lower response rates and high rates of haematological toxicity for carboplatin-based combinations, albeit with similar survival figures to patients receiving cisplatin.
In January 2009, the United States FDA approved using conventional therapies such as surgery in combination with radiation and or chemotherapy on stage I or II Mesothelioma after research conducted by a nationwide study by Duke University concluded an almost 50 point increase in remission rates.
Treatment regimens involving immunotherapy have yielded variable results. For example, intrapleural inoculation of Bacillus Calmette-Guérin (BCG) in an attempt to boost the immune response, was found to be of no benefit to the patient (while it may benefit patients with bladder cancer.
mesothelioma cells proved susceptible to in vitro lysis by LAK cells following activation by interleukin-2 (IL-2), but patients undergoing this particular therapy experienced major side effects. Indeed, this trial was suspended in view of the unacceptably high levels of IL-2 toxicity and the severity of side effects such as fever and cachexia. Nonetheless, other trials involving interferon alpha have proved more encouraging with 20% of patients experiencing a greater than 50% reduction in tumor mass combined with minimal side effects.
A procedure known as heated intraoperative intraperitoneal chemotherapy was developed by at the Washington Cancer Institute. The surgeon removes as much of the tumor as possible followed by the direct administration of a chemotherapy agent, heated to between 40 and 48°C, in the abdomen. The fluid is perfused for 60 to 120 minutes and then drained.
This technique permits the administration of high concentrations of selected drugs into the abdominal and pelvic surfaces. Heating the chemotherapy treatment increases the penetration of the drugs into tissues. Also, heating itself damages the malignant cells more than the normal cells.

What is the mesothelium?
The mesothelium is a membrane that covers and protects most of the internal organs of the body. It is composed of two layers of cells: One layer immediately surrounds the organ; the other forms a sac around it. The mesothelium produces a lubricating fluid that is released between these layers, allowing moving organs (such as the beating heart and the expanding and contracting lungs to glide easily against adjacent structures.
The mesothelium has different names, depending on its location in the body. The peritoneum is the mesothelial tissue that covers most of the organs in the abdominal cavity. The pleura is the membrane that surrounds the lungs and lines the wall of the chest cavity. The pericardium covers and protects the heart. The
mesothelioma tissue surrounding the male internal reproductive organs is called the tunica vaginalis testis. The tunica serosa uteri covers the internal reproductive organs in women.
What is mesothelioma?
mesothelioma (cancer of the mesothelium) is a disease in which cells of the mesothelium become abnormal and divide without control or order. They can invade and damage nearby tissues and organs.
cancer cells can also metastasize (spread) from their original site to other parts of the body. Most cases of mesothelioma begin in the pleura or peritoneum.
How common is mesothelioma?
Although reported incidence rates have increased in the past 20 years, mesothelioma is still a relatively rare cancer. About 2,000 new cases of mesothelioma are diagnosed in the United States each year. Mesothelioma occurs more often in men than in women and risk increases with age, but this disease can appear in either men or women at any age.
What are the risk factors for mesothelioma?
Working with asbestos is the major risk factor for mesothelioma. A history of asbestos exposure at work is reported in about 70 percent to 80 percent of all cases. However, mesothelioma has been reported in some individuals without any known exposure to
Asbestos is the name of a group of minerals that occur naturally as masses of strong, flexible fibers that can be separated into thin threads and woven. asbestos has been widely used in many industrial products, including cement, brake linings, roof shingles, flooring products, textiles, and insulation. If tiny asbestos particles float in the air, especially during the manufacturing process, they may be inhaled or swallowed, and can cause serious health problems. In addition to mesothelioma, exposure to asbestos increases the risk of lung cancer, asbestosis (a noncancerous, chronic lung ailment), and other cancers, such as those of the larynx and kidney.
Smoking does not appear to increase the risk of mesothelioma. However, the combination of smoking and asbestos exposure significantly increases a person's risk of developing cancer of the air passageways in the lung.
Who is at increased risk for developing mesothelioma?
asbestos has been mined and used commercially since the late 1800s. Its use greatly increased during World War II. Since the early 1940s, millions of American workers have been exposed to asbestos dust. Initially, the risks associated with asbestos exposure were not known. However, an increased risk of developing mesothelioma was later found among shipyard workers, people who work in asbestos. Today, the U.S. Occupational Safety and Health Administration (OSHA) sets limits for acceptable levels of asbestos exposure in the workplace. People who work with asbestos wear personal protective equipment to lower their risk of exposure.
The risk o f asbestosrelated disease increases with heavier exposure to asbestos and longer exposure time. However, some individuals with only brief exposures have developed mesothelioma On the other hand, not all workers who are heavily exposed develop asbestos-related diseases.
There is some evidence that family members and others living with asbestos workers have an increased risk of developing mesothelioma, and possibly other asbestos-related diseases. This risk may be the result of exposure to
asbestos dust brought home on the clothing and hair of
asbestos workers. To reduce the chance of exposing family members to
asbestos fibers, asbestos workers are usually required to shower and change their clothing before leaving the workplace.
What are the symptoms of mesothelioma?
Symptoms of mesothelioma may not appear until 30 to 50 years after exposure to
asbestos Shortness of breath and pain in the chest due to an accumulation of fluid in the pleura are often symptoms of pleural mesothelioma. Symptoms of peritoneal mesothelioma include weight loss and abdominal pain and swelling due to a buildup of fluid in the abdomen. Other symptoms of peritoneal mesothelioma may include bowel obstruction blood clotting abnormalities, anemia, and fever. If the cancer has spread beyond the mesothelium to other parts of the body, symptoms may include pain, trouble swallowing, or swelling of the neck or face.
These symptoms may be caused by
mesothelioma or by other, less serious conditions. It is important to see a doctor about any of these symptoms. Only a doctor can make a diagnosis
How is
mesotheliomadiagnosed?
Diagnosing mesothelioma is often difficult, because the symptoms are similar to those of a number of other conditions. Diagnosis begins with a review of the patient's medical history, including any history of asbestos exposure. A complete physical examination may be performed, including x-rays of the chest or abdomen and lung function tests. A CT (or CAT) scan or an MRI may also be useful. A CT scan is a series of detailed pictures of areas inside the body created by a computer linked to an x-ray machine. In an MRI, a powerful magnet linked to a computer is used to make detailed pictures of areas inside the body. These pictures are viewed on a monitor and can also be printed.
A biopsy is needed to confirm a diagnosis of mesothelioma. In a biopsy, a surgeon or a medical oncologist (a doctor who specializes in diagnosing and treating cancer) removes a sample of tissue for examination under a microscope by a pathologist. A biopsy may be done in different ways, depending on where the abnormal area is located. If the
cancer is in the chest, the doctor may perform a thoracoscopy. In this procedure, the doctor makes a small cut through the chest wall and puts a thin, lighted tube called a thoracoscope into the chest between two ribs. Thoracoscopy allows the doctor to look inside the chest and obtain tissue samples. If the
cancer is in the abdomen, the doctor may perform a peritoneoscopy. To obtain tissue for examination, the doctor makes a small opening in the abdomen and inserts a special instrument called a peritoneoscope into the abdominal cavity. If these procedures do not yield enough tissue, more extensive diagnostic surgery may be necessary.
If the diagnosis is mesothelioma, the doctor will want to learn the stage (or extent) of the disease. Staging involves more tests in a careful attempt to find out whether the cancer has spread and, if so, to which parts of the body. Knowing the stage of the disease helps the doctor plan treatment.
Mesothelioma is described as localized if the cancer is found only on the membrane surface where it originated. It is classified as advanced if it has spread beyond the original membrane surface to other parts of the body, such as the lymph nodes, lungs, chest wall, or abdominal organs.
How is
mesotheliomatreated?
Treatment for mesothelioma depends on the location of the
cancerthe stage of the disease, and the patient's age and general health. Standard treatment options include surgery, radiation therapy, and chemotherapy. Sometimes, these treatments are combined.
Surgery is a common treatment for
mesotheliomaThe doctor may remove part of the lining of the chest or abdomen and some of the tissue around it. For cancer of the pleura (pleural
mesotheliomaa lung may be removed in an operation called a pneumonectomy. Sometimes part of the diaphragm, the muscle below the lungs that helps with breathing, is also removed.
Stereo Tactic Radiation Therapy also called radiotherapy, involves the use of high-energy rays to kill
cancercells and shrink tumors Radiation therapy affects the
cancercells only in the treated area. The radiation may come from a machine (external radiation) or from putting materials that produce radiation through thin plastic tubes into the area where the
cancercells are found (internal radiation therapy).
Chemotherapy is the use of anticancer drugs to kill cancer cells throughout the body. Most drugs used to treat
mesotheliomaare given by injection into a vein (intravenous, or IV). Doctors are also studying the effectiveness of putting chemotherapy directly into the chest or abdomen (intracavitary chemotherapy).
To relieve symptoms and control pain, the doctor may use a needle or a thin tube to drain fluid that has built up in the chest or abdomen. The procedure for removing fluid from the chest is called thoracentesis. Removal of fluid from the abdomen is called paracentesis. Drugs may be given through a tube in the chest to prevent more fluid from accumulating. Radiation Therapy and surgery may also be helpful in relieving symptoms.

 
At 7:56 PM, Anonymous Anonymous said...

Any risk that can be quantified can potentially be insured. Specific kinds of risk that may give rise to claims are known as "perils". An insurance policy will set out in detail which perils are covered by the policy and which are not. Below are (non-exhaustive) lists of the many different types of insurance that exist. A single policy may cover risks in one or more of the categories set out below. For example, auto insurance would typically cover both property risk (covering the risk of theft or damage to the car) and liability risk (covering legal claims from causing an accident). A homeowners insurance policy in the U.S. typically includes property insurance covering damage to the home and the owner's belongings, liability insurance covering certain legal claims against the owner, and even a small amount of coverage for medical expenses of guests who are injured on the owner's property.
Business insurance can be any kind of insurance that protects businesses against risks. Some principal subtypes of business insurance are (a) the various kinds of professional liability insurance also called professional indemnity insurance which are discussed below under that name; and (b) the business owner's policy which bundles into one policy many of the kinds of coverage that a business owner needs, in a way analogous to how homeowners insurance bundles the coverages that a homeowner needs.
Vehicle insuranceAuto insurance protects you against financial loss if you have an accident. It is a contract between you and the insurance company. You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy. Auto insurance provides property, liability and medical coverage:
Property coverage pays for damage to or theft of your car.
Liability coverage pays for your legal responsibility to others for bodily injury or property damage.
Medical coverage pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses.
An iauto nsurance policy is comprised of six different kinds of coverage. Most countries require you to buy some, but not all, of these coverages. If you're financing a car, your lender may also have requirements. Most auto policies are for six months to a year.
In the United States, your insurance company should notify you by mail when it’s time to renew the policy and to pay your premium.

Home insuranceHome insurance provides compensation for damage or destruction of a home from disasters. In some geographical areas, the standard insurance excludes certain types of disasters, such as flood and earthquakes, that require additional coverage. Maintenance-related problems are the homeowners' responsibility. The policy may include inventory, or this can be bought as a separate policy, especially for people who rent housing. In some countries, insurers offer a package which may include liability and legal responsibility for injuries and property damage caused by members of the household, including pets.
Health insurance and Dental iinsurance
Health insurance policies by the National Health Service in the United Kingdom or other publicly-funded health programs will cover the cost of medical treatments. Dental insurance like medical insurance is coverage for individuals to protect them against dental costs. In the U.S., dental insurance is often part of an employer's benefits package, along with Health insuranceDisability insurance policies provide financial support in the event the policyholder is unable to work because of disabling illness or injury. It provides monthly support to help pay such obligations as mortgages and credit cards.
Disability overhead insurance allows business owners to cover the overhead expenses of their business while they are unable to work.
Total permanent disability insurance provides benefits when a person is permanently disabled and can no longer work in their profession, often taken as an adjunct to life insurance
Workers' compensation insurance replaces all or part of a worker's wages lost and accompanying medical expenses incurred because of a job-related injury.
Casualty insurance insures against accidents, not necessarily tied to any specific property.
Casualty insuranceCrime insurance is a form of casualty insurance that covers the policyholder against losses arising from the criminal acts of third parties. For example, a company can obtain crime insurance to cover losses arising from theft or embezzlement.
Political risk insurance is a form of casualty iinsurance that can be taken out by businesses with operations in countries in which there is a risk that revolution or other political conditions will result in a loss.
Life insuranceLife insurance provides a monetary benefit to a decedent's family or other designated beneficiary, and may specifically provide for income to an insured person's family, burial funeral and other final expenses. Life insurance policies often allow the option of having the proceeds paid to the beneficiary either in a lump sum cash payment or an annuity.
Annuities provide a stream of payments and are generally classified as insurance because they are issued by insurance companies and regulated as insurance and require the same kinds of actuarial and investment management expertise that life insurance requires. Annuities and pensions that pay a benefit for life are sometimes regarded as insurance against the possibility that a retiree will outlive his or her financial resources. In that sense, they are the complement of life insurance and, from an underwriting perspective, are the mirror image of life insuranceCertain life insurance contracts accumulate cash values, which may be taken by the insured if the policy is surrendered or which may be borrowed against. Some policies, such as annuities and endowment policies are financial instruments to accumulate or liquidate wealth when it is needed.
In many countries, such as the U.S. and the UK, the tax law provides that the interest on this cash value is not taxable under certain circumstances. This leads to widespread use of life insurance as a tax-efficient method of saving as well as protection in the event of early death.
In U.S., the tax on interest income on life insurance policies and annuities is generally deferred. However, in some cases the benefit derived from tax deferral may be offset by a low return. This depends upon the insuring company, the type of policy and other variables (mortality, market return, etc.). Moreover, other income tax saving vehicles may be better alternatives for value accumulation. A combination of low-cost term life insurance and a higher-return tax-efficient retirement account may achieve better investment return.
Property insurance
Property insurance provides protection against risks to property, such as fire, theft or weather damage. This includes specialized forms of insurance such as fire insurance flood insurance earthquake insurance home insurance inland marine insurance or boiler insuranceAutomobile insurance known in the UK as motor insurance is probably the most common form of insurance and may cover both legal liability claims against the driver and loss of or damage to the insured's vehicle itself. Throughout the United States an auto insurance policy is required to legally operate a motor vehicle on public roads. In some jurisdictions, bodily injury compensation for automobile accident victims has been changed to a no-fault system, which reduces or eliminates the ability to sue for compensation but provides automatic eligibility for benefits. Credit card companies insure against damage on rented cars.
Driving School insurance provides cover for any authorized driver whilst undergoing tuition, cover also unlike other motor policies provides cover for instructor liability where both the pupil and driving instructor are equally liable in the event of a claim.
Aviation insurance insures against hull, spares, deductibles, hull wear and liability risks.
Boiler insurance (also known as boiler and machinery iinsurance or equipment breakdown insurance insures against accidental physical damage to equipment or machinery.
Builder's risk insurance insures against the risk of physical loss or damage to property during construction. Builder's risk insurance is typically written on an "all risk" basis covering damage due to any cause (including the negligence of the insured) not otherwise expressly excluded.
Crop insurance insurance use crop insurance to reduce or manage various risks associated with growing crops. Such risks include crop loss or damage caused by weather, hail, drought, frost damage, insects, or disease, for instance."
Earthquake insurance is a form of property insurance that pays the policyholder in the event of an earthquake that causes damage to the property. Most ordinary homeowners insurance policies do not cover earthquake damage. Most earthquake insurance policies feature a high deductible. Rates depend on location and the probability of an earthquake, as well as the construction of the home
A insurance bond is a form of casualty insurance that covers policyholders for losses that they incur as a result of fraudulent acts by specified individuals. It usually insures a business for losses caused by the dishonest acts of its employees.
Flood insurance protects against property loss due to flooding. Many insurers in the U.S. do not provide flood insurance in some portions of the country. In response to this, the federal government created the National Flood insurance Program which serves as the insurer of last resort.
Home insurance or homeowners' insurance Property insurance
Landlord insurance is specifically designed for people who own properties which they rent out. Most house insurance cover in the U.K will not be valid if the property is rented out therefore landlords must take out this specialist form of home insurance
Marine insurance and marine cargo insurance cover the loss or damage of ships at sea or on inland waterways, and of the cargo that may be on them. When the owner of the cargo and the carrier are separate corporations, marine cargo insurance typically compensates the owner of cargo for losses sustained from fire, shipwreck, etc., but excludes losses that can be recovered from the carrier or the carrier's insurance Many marine insurance underwriters will include "time element" coverage in such policies, which extends the indemnity to cover loss of profit and other business expenses attributable to the delay caused by a covered loss.
Surety bond insurance is a three party insurance guaranteeing the performance of the principal.
Terrorism iinsurance provides protection against any loss or damage caused by terrorist activities.
Volcano insurance is an insurance that covers volcano damage in Hawaii.
Windstorm insurance is an insurance covering the damage that can be caused by hurricanes and tropical cyclones.
Liability insuranceLiability insurance is a very broad superset that covers legal claims against the insured. Many types of insurance include an aspect of liability coverage. For example, a homeowner's insurance policy will normally include liability coverage which protects the insured in the event of a claim brought by someone who slips and falls on the property; automobile insurance also includes an aspect of liability insurance that indemnifies against the harm that a crashing car can cause to others' lives, health, or property. The protection offered by a liability insurance policy is twofold: a legal defense in the event of a lawsuit commenced against the policyholder and indemnification (payment on behalf of the insured) with respect to a settlement or court verdict. Liability policies typically cover only the negligence of the insured, and will not apply to results of wilful or intentional acts by the insured.
Directors and officers liability insurance protects an organization (usually a corporation) from costs associated with litigation resulting from mistakes made by directors and officers for which they are liable. In the industry, it is usually called for short.
Environmental liability insurance protects the insured from bodily injury, property damage and cleanup costs as a result of the dispersal, release or escape of pollutants.
Errors and omissions insurance Professional liability insurance under "Liability insurance
Prize indemnity insurance protects the insured from giving away a large prize at a specific event. Examples would include offering prizes to contestants who can make a half-court shot at a basketball game, or a hole-in-one at a golf tournament.
Professional liability insurance also called professional indemnity insurance protects insured professionals such as architectural corporation and medical practice against potential negligence claims made by their patients/clients. Professional liability insurance may take on different names depending on the profession. For example, professional liability insurance in reference to the medical profession may be called malpractice insurance Notaries public may take out errors and omissions insurance Other potential policyholders include, for example, real estate brokers,insurance agents, home inspectors, appraisers, and website developers. Any risk that can be quantified can potentially be insured. Specific kinds of risk that may give rise to claims are known as "perils". An insurance policy will set out in detail which perils are covered by the policy and which are not. Below are (non-exhaustive) lists of the many different types of insurance that exist. A single policy may cover risks in one or more of the categories set out below. For example, auto insurance would typically cover both property risk (covering the risk of theft or damage to the car) and liability risk (covering legal claims from causing an accident). A homeowners insurance policy in the U.S. typically includes property insurance covering damage to the home and the owner's belongings, liability insurance covering certain legal claims against the owner, and even a small amount of coverage for medical expenses of guests who are injured on the owner's property.
Business insurance can be any kind of insurance that protects businesses against risks. Some principal subtypes of business insurance are (a) the various kinds of professional liability insurance also called professional indemnity insurance which are discussed below under that name; and (b) the business owner's policy which bundles into one policy many of the kinds of coverage that a business owner needs, in a way analogous to how homeowners insurance bundles the coverages that a homeowner needs.
Vehicle insuranceAuto insurance protects you against financial loss if you have an accident. It is a contract between you and the insurance company. You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy. Auto insurance provides property, liability and medical coverage:
Property coverage pays for damage to or theft of your car.
Liability coverage pays for your legal responsibility to others for bodily injury or property damage.
Medical coverage pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses.
An iauto nsurance policy is comprised of six different kinds of coverage. Most countries require you to buy some, but not all, of these coverages. If you're financing a car, your lender may also have requirements. Most auto policies are for six months to a year.
In the United States, your insurance company should notify you by mail when it’s time to renew the policy and to pay your premium.

Home insuranceHome insurance provides compensation for damage or destruction of a home from disasters. In some geographical areas, the standard insurance excludes certain types of disasters, such as flood and earthquakes, that require additional coverage. Maintenance-related problems are the homeowners' responsibility. The policy may include inventory, or this can be bought as a separate policy, especially for people who rent housing. In some countries, insurers offer a package which may include liability and legal responsibility for injuries and property damage caused by members of the household, including pets.
Health insurance and Dental iinsurance
Health insurance policies by the National Health Service in the United Kingdom or other publicly-funded health programs will cover the cost of medical treatments. Dental insurance like medical insurance is coverage for individuals to protect them against dental costs. In the U.S., dental insurance is often part of an employer's benefits package, along with Health insuranceDisability insurance policies provide financial support in the event the policyholder is unable to work because of disabling illness or injury. It provides monthly support to help pay such obligations as mortgages and credit cards.
Disability overhead insurance allows business owners to cover the overhead expenses of their business while they are unable to work.
Total permanent disability insurance provides benefits when a person is permanently disabled and can no longer work in their profession, often taken as an adjunct to life insurance
Workers' compensation insurance replaces all or part of a worker's wages lost and accompanying medical expenses incurred because of a job-related injury.
Casualty insurance insures against accidents, not necessarily tied to any specific property.
Casualty insuranceCrime insurance is a form of casualty insurance that covers the policyholder against losses arising from the criminal acts of third parties. For example, a company can obtain crime insurance to cover losses arising from theft or embezzlement.
Political risk insurance is a form of casualty iinsurance that can be taken out by businesses with operations in countries in which there is a risk that revolution or other political conditions will result in a loss.
Life insuranceLife insurance provides a monetary benefit to a decedent's family or other designated beneficiary, and may specifically provide for income to an insured person's family, burial funeral and other final expenses. Life insurance policies often allow the option of having the proceeds paid to the beneficiary either in a lump sum cash payment or an annuity.
Annuities provide a stream of payments and are generally classified as insurance because they are issued by insurance companies and regulated as insurance and require the same kinds of actuarial and investment management expertise that life insurance requires. Annuities and pensions that pay a benefit for life are sometimes regarded as insurance against the possibility that a retiree will outlive his or her financial resources. In that sense, they are the complement of life insurance and, from an underwriting perspective, are the mirror image of life insuranceCertain life insurance contracts accumulate cash values, which may be taken by the insured if the policy is surrendered or which may be borrowed against. Some policies, such as annuities and endowment policies are financial instruments to accumulate or liquidate wealth when it is needed.
In many countries, such as the U.S. and the UK, the tax law provides that the interest on this cash value is not taxable under certain circumstances. This leads to widespread use of life insurance as a tax-efficient method of saving as well as protection in the event of early death.
In U.S., the tax on interest income on life insurance policies and annuities is generally deferred. However, in some cases the benefit derived from tax deferral may be offset by a low return. This depends upon the insuring company, the type of policy and other variables (mortality, market return, etc.). Moreover, other income tax saving vehicles may be better alternatives for value accumulation. A combination of low-cost term life insurance and a higher-return tax-efficient retirement account may achieve better investment return.
Property insurance
Property insurance provides protection against risks to property, such as fire, theft or weather damage. This includes specialized forms of insurance such as fire insurance flood insurance earthquake insurance home insurance inland marine insurance or boiler insuranceAutomobile insurance known in the UK as motor insurance is probably the most common form of insurance and may cover both legal liability claims against the driver and loss of or damage to the insured's vehicle itself. Throughout the United States an auto insurance policy is required to legally operate a motor vehicle on public roads. In some jurisdictions, bodily injury compensation for automobile accident victims has been changed to a no-fault system, which reduces or eliminates the ability to sue for compensation but provides automatic eligibility for benefits. Credit card companies insure against damage on rented cars.
Driving School insurance provides cover for any authorized driver whilst undergoing tuition, cover also unlike other motor policies provides cover for instructor liability where both the pupil and driving instructor are equally liable in the event of a claim.
Aviation insurance insures against hull, spares, deductibles, hull wear and liability risks.
Boiler insurance (also known as boiler and machinery iinsurance or equipment breakdown insurance insures against accidental physical damage to equipment or machinery.
Builder's risk insurance insures against the risk of physical loss or damage to property during construction. Builder's risk insurance is typically written on an "all risk" basis covering damage due to any cause (including the negligence of the insured) not otherwise expressly excluded.
Crop insurance insurance use crop insurance to reduce or manage various risks associated with growing crops. Such risks include crop loss or damage caused by weather, hail, drought, frost damage, insects, or disease, for instance."
Earthquake insurance is a form of property insurance that pays the policyholder in the event of an earthquake that causes damage to the property. Most ordinary homeowners insurance policies do not cover earthquake damage. Most earthquake insurance policies feature a high deductible. Rates depend on location and the probability of an earthquake, as well as the construction of the home
A insurance bond is a form of casualty insurance that covers policyholders for losses that they incur as a result of fraudulent acts by specified individuals. It usually insures a business for losses caused by the dishonest acts of its employees.
Flood insurance protects against property loss due to flooding. Many insurers in the U.S. do not provide flood insurance in some portions of the country. In response to this, the federal government created the National Flood insurance Program which serves as the insurer of last resort.
Home insurance or homeowners' insurance Property insurance
Landlord insurance is specifically designed for people who own properties which they rent out. Most house insurance cover in the U.K will not be valid if the property is rented out therefore landlords must take out this specialist form of home insurance
Marine insurance and marine cargo insurance cover the loss or damage of ships at sea or on inland waterways, and of the cargo that may be on them. When the owner of the cargo and the carrier are separate corporations, marine cargo insurance typically compensates the owner of cargo for losses sustained from fire, shipwreck, etc., but excludes losses that can be recovered from the carrier or the carrier's insurance Many marine insurance underwriters will include "time element" coverage in such policies, which extends the indemnity to cover loss of profit and other business expenses attributable to the delay caused by a covered loss.
Surety bond insurance is a three party insurance guaranteeing the performance of the principal.
Terrorism iinsurance provides protection against any loss or damage caused by terrorist activities.
Volcano insurance is an insurance that covers volcano damage in Hawaii.
Windstorm insurance is an insurance covering the damage that can be caused by hurricanes and tropical cyclones.
Liability insuranceLiability insurance is a very broad superset that covers legal claims against the insured. Many types of insurance include an aspect of liability coverage. For example, a homeowner's insurance policy will normally include liability coverage which protects the insured in the event of a claim brought by someone who slips and falls on the property; automobile insurance also includes an aspect of liability insurance that indemnifies against the harm that a crashing car can cause to others' lives, health, or property. The protection offered by a liability insurance policy is twofold: a legal defense in the event of a lawsuit commenced against the policyholder and indemnification (payment on behalf of the insured) with respect to a settlement or court verdict. Liability policies typically cover only the negligence of the insured, and will not apply to results of wilful or intentional acts by the insured.
Directors and officers liability insurance protects an organization (usually a corporation) from costs associated with litigation resulting from mistakes made by directors and officers for which they are liable. In the industry, it is usually called for short.
Environmental liability insurance protects the insured from bodily injury, property damage and cleanup costs as a result of the dispersal, release or escape of pollutants.
Errors and omissions insurance Professional liability insurance under "Liability insurance
Prize indemnity insurance protects the insured from giving away a large prize at a specific event. Examples would include offering prizes to contestants who can make a half-court shot at a basketball game, or a hole-in-one at a golf tournament.
Professional liability insurance also called professional indemnity insurance protects insured professionals such as architectural corporation and medical practice against potential negligence claims made by their patients/clients. Professional liability insurance may take on different names depending on the profession. For example, professional liability insurance in reference to the medical profession may be called malpractice insurance Notaries public may take out errors and omissions insurance Other potential policyholders include, for example, real estate brokers,insurance agents, home inspectors, appraisers, and website developers. Any risk that can be quantified can potentially be insured. Specific kinds of risk that may give rise to claims are known as "perils". An insurance policy will set out in detail which perils are covered by the policy and which are not. Below are (non-exhaustive) lists of the many different types of insurance that exist. A single policy may cover risks in one or more of the categories set out below. For example, auto insurance would typically cover both property risk (covering the risk of theft or damage to the car) and liability risk (covering legal claims from causing an accident). A homeowners insurance policy in the U.S. typically includes property insurance covering damage to the home and the owner's belongings, liability insurance covering certain legal claims against the owner, and even a small amount of coverage for medical expenses of guests who are injured on the owner's property.
Business insurance can be any kind of insurance that protects businesses against risks. Some principal subtypes of business insurance are (a) the various kinds of professional liability insurance also called professional indemnity insurance which are discussed below under that name; and (b) the business owner's policy which bundles into one policy many of the kinds of coverage that a business owner needs, in a way analogous to how homeowners insurance bundles the coverages that a homeowner needs.
Vehicle insuranceAuto insurance protects you against financial loss if you have an accident. It is a contract between you and the insurance company. You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy. Auto insurance provides property, liability and medical coverage:
Property coverage pays for damage to or theft of your car.
Liability coverage pays for your legal responsibility to others for bodily injury or property damage.
Medical coverage pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses.
An iauto nsurance policy is comprised of six different kinds of coverage. Most countries require you to buy some, but not all, of these coverages. If you're financing a car, your lender may also have requirements. Most auto policies are for six months to a year.
In the United States, your insurance company should notify you by mail when it’s time to renew the policy and to pay your premium.

Home insuranceHome insurance provides compensation for damage or destruction of a home from disasters. In some geographical areas, the standard insurance excludes certain types of disasters, such as flood and earthquakes, that require additional coverage. Maintenance-related problems are the homeowners' responsibility. The policy may include inventory, or this can be bought as a separate policy, especially for people who rent housing. In some countries, insurers offer a package which may include liability and legal responsibility for injuries and property damage caused by members of the household, including pets.
Health insurance and Dental iinsurance
Health insurance policies by the National Health Service in the United Kingdom or other publicly-funded health programs will cover the cost of medical treatments. Dental insurance like medical insurance is coverage for individuals to protect them against dental costs. In the U.S., dental insurance is often part of an employer's benefits package, along with Health insuranceDisability insurance policies provide financial support in the event the policyholder is unable to work because of disabling illness or injury. It provides monthly support to help pay such obligations as mortgages and credit cards.
Disability overhead insurance allows business owners to cover the overhead expenses of their business while they are unable to work.
Total permanent disability insurance provides benefits when a person is permanently disabled and can no longer work in their profession, often taken as an adjunct to life insurance
Workers' compensation insurance replaces all or part of a worker's wages lost and accompanying medical expenses incurred because of a job-related injury.
Casualty insurance insures against accidents, not necessarily tied to any specific property.
Casualty insuranceCrime insurance is a form of casualty insurance that covers the policyholder against losses arising from the criminal acts of third parties. For example, a company can obtain crime insurance to cover losses arising from theft or embezzlement.
Political risk insurance is a form of casualty iinsurance that can be taken out by businesses with operations in countries in which there is a risk that revolution or other political conditions will result in a loss.
Life insuranceLife insurance provides a monetary benefit to a decedent's family or other designated beneficiary, and may specifically provide for income to an insured person's family, burial funeral and other final expenses. Life insurance policies often allow the option of having the proceeds paid to the beneficiary either in a lump sum cash payment or an annuity.
Annuities provide a stream of payments and are generally classified as insurance because they are issued by insurance companies and regulated as insurance and require the same kinds of actuarial and investment management expertise that life insurance requires. Annuities and pensions that pay a benefit for life are sometimes regarded as insurance against the possibility that a retiree will outlive his or her financial resources. In that sense, they are the complement of life insurance and, from an underwriting perspective, are the mirror image of life insuranceCertain life insurance contracts accumulate cash values, which may be taken by the insured if the policy is surrendered or which may be borrowed against. Some policies, such as annuities and endowment policies are financial instruments to accumulate or liquidate wealth when it is needed.
In many countries, such as the U.S. and the UK, the tax law provides that the interest on this cash value is not taxable under certain circumstances. This leads to widespread use of life insurance as a tax-efficient method of saving as well as protection in the event of early death.
In U.S., the tax on interest income on life insurance policies and annuities is generally deferred. However, in some cases the benefit derived from tax deferral may be offset by a low return. This depends upon the insuring company, the type of policy and other variables (mortality, market return, etc.). Moreover, other income tax saving vehicles may be better alternatives for value accumulation. A combination of low-cost term life insurance and a higher-return tax-efficient retirement account may achieve better investment return.
Property insurance
Property insurance provides protection against risks to property, such as fire, theft or weather damage. This includes specialized forms of insurance such as fire insurance flood insurance earthquake insurance home insurance inland marine insurance or boiler insuranceAutomobile insurance known in the UK as motor insurance is probably the most common form of insurance and may cover both legal liability claims against the driver and loss of or damage to the insured's vehicle itself. Throughout the United States an auto insurance policy is required to legally operate a motor vehicle on public roads. In some jurisdictions, bodily injury compensation for automobile accident victims has been changed to a no-fault system, which reduces or eliminates the ability to sue for compensation but provides automatic eligibility for benefits. Credit card companies insure against damage on rented cars.
Driving School insurance provides cover for any authorized driver whilst undergoing tuition, cover also unlike other motor policies provides cover for instructor liability where both the pupil and driving instructor are equally liable in the event of a claim.
Aviation insurance insures against hull, spares, deductibles, hull wear and liability risks.
Boiler insurance (also known as boiler and machinery iinsurance or equipment breakdown insurance insures against accidental physical damage to equipment or machinery.
Builder's risk insurance insures against the risk of physical loss or damage to property during construction. Builder's risk insurance is typically written on an "all risk" basis covering damage due to any cause (including the negligence of the insured) not otherwise expressly excluded.
Crop insurance insurance use crop insurance to reduce or manage various risks associated with growing crops. Such risks include crop loss or damage caused by weather, hail, drought, frost damage, insects, or disease, for instance."
Earthquake insurance is a form of property insurance that pays the policyholder in the event of an earthquake that causes damage to the property. Most ordinary homeowners insurance policies do not cover earthquake damage. Most earthquake insurance policies feature a high deductible. Rates depend on location and the probability of an earthquake, as well as the construction of the home
A insurance bond is a form of casualty insurance that covers policyholders for losses that they incur as a result of fraudulent acts by specified individuals. It usually insures a business for losses caused by the dishonest acts of its employees.
Flood insurance protects against property loss due to flooding. Many insurers in the U.S. do not provide flood insurance in some portions of the country. In response to this, the federal government created the National Flood insurance Program which serves as the insurer of last resort.
Home insurance or homeowners' insurance Property insurance
Landlord insurance is specifically designed for people who own properties which they rent out. Most house insurance cover in the U.K will not be valid if the property is rented out therefore landlords must take out this specialist form of home insurance
Marine insurance and marine cargo insurance cover the loss or damage of ships at sea or on inland waterways, and of the cargo that may be on them. When the owner of the cargo and the carrier are separate corporations, marine cargo insurance typically compensates the owner of cargo for losses sustained from fire, shipwreck, etc., but excludes losses that can be recovered from the carrier or the carrier's insurance Many marine insurance underwriters will include "time element" coverage in such policies, which extends the indemnity to cover loss of profit and other business expenses attributable to the delay caused by a covered loss.
Surety bond insurance is a three party insurance guaranteeing the performance of the principal.
Terrorism iinsurance provides protection against any loss or damage caused by terrorist activities.
Volcano insurance is an insurance that covers volcano damage in Hawaii.
Windstorm insurance is an insurance covering the damage that can be caused by hurricanes and tropical cyclones.
Liability insuranceLiability insurance is a very broad superset that covers legal claims against the insured. Many types of insurance include an aspect of liability coverage. For example, a homeowner's insurance policy will normally include liability coverage which protects the insured in the event of a claim brought by someone who slips and falls on the property; automobile insurance also includes an aspect of liability insurance that indemnifies against the harm that a crashing car can cause to others' lives, health, or property. The protection offered by a liability insurance policy is twofold: a legal defense in the event of a lawsuit commenced against the policyholder and indemnification (payment on behalf of the insured) with respect to a settlement or court verdict. Liability policies typically cover only the negligence of the insured, and will not apply to results of wilful or intentional acts by the insured.
Directors and officers liability insurance protects an organization (usually a corporation) from costs associated with litigation resulting from mistakes made by directors and officers for which they are liable. In the industry, it is usually called for short.
Environmental liability insurance protects the insured from bodily injury, property damage and cleanup costs as a result of the dispersal, release or escape of pollutants.
Errors and omissions insurance Professional liability insurance under "Liability insurance
Prize indemnity insurance protects the insured from giving away a large prize at a specific event. Examples would include offering prizes to contestants who can make a half-court shot at a basketball game, or a hole-in-one at a golf tournament.
Professional liability insurance also called professional indemnity insurance protects insured professionals such as architectural corporation and medical practice against potential negligence claims made by their patients/clients. Professional liability insurance may take on different names depending on the profession. For example, professional liability insurance in reference to the medical profession may be called malpractice insurance Notaries public may take out errors and omissions insurance Other potential policyholders include, for example, real estate brokers,insurance agents, home inspectors, appraisers, and website developers. Any risk that can be quantified can potentially be insured. Specific kinds of risk that may give rise to claims are known as "perils". An insurance policy will set out in detail which perils are covered by the policy and which are not. Below are (non-exhaustive) lists of the many different types of insurance that exist. A single policy may cover risks in one or more of the categories set out below. For example, auto insurance would typically cover both property risk (covering the risk of theft or damage to the car) and liability risk (covering legal claims from causing an accident). A homeowners insurance policy in the U.S. typically includes property insurance covering damage to the home and the owner's belongings, liability insurance covering certain legal claims against the owner, and even a small amount of coverage for medical expenses of guests who are injured on the owner's property.
Business insurance can be any kind of insurance that protects businesses against risks. Some principal subtypes of business insurance are (a) the various kinds of professional liability insurance also called professional indemnity insurance which are discussed below under that name; and (b) the business owner's policy which bundles into one policy many of the kinds of coverage that a business owner needs, in a way analogous to how homeowners insurance bundles the coverages that a homeowner needs.
Vehicle insuranceAuto insurance protects you against financial loss if you have an accident. It is a contract between you and the insurance company. You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy. Auto insurance provides property, liability and medical coverage:
Property coverage pays for damage to or theft of your car.
Liability coverage pays for your legal responsibility to others for bodily injury or property damage.
Medical coverage pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses.
An iauto nsurance policy is comprised of six different kinds of coverage. Most countries require you to buy some, but not all, of these coverages. If you're financing a car, your lender may also have requirements. Most auto policies are for six months to a year.
In the United States, your insurance company should notify you by mail when it’s time to renew the policy and to pay your premium.

Home insuranceHome insurance provides compensation for damage or destruction of a home from disasters. In some geographical areas, the standard insurance excludes certain types of disasters, such as flood and earthquakes, that require additional coverage. Maintenance-related problems are the homeowners' responsibility. The policy may include inventory, or this can be bought as a separate policy, especially for people who rent housing. In some countries, insurers offer a package which may include liability and legal responsibility for injuries and property damage caused by members of the household, including pets.
Health insurance and Dental iinsurance
Health insurance policies by the National Health Service in the United Kingdom or other publicly-funded health programs will cover the cost of medical treatments. Dental insurance like medical insurance is coverage for individuals to protect them against dental costs. In the U.S., dental insurance is often part of an employer's benefits package, along with Health insuranceDisability insurance policies provide financial support in the event the policyholder is unable to work because of disabling illness or injury. It provides monthly support to help pay such obligations as mortgages and credit cards.
Disability overhead insurance allows business owners to cover the overhead expenses of their business while they are unable to work.
Total permanent disability insurance provides benefits when a person is permanently disabled and can no longer work in their profession, often taken as an adjunct to life insurance
Workers' compensation insurance replaces all or part of a worker's wages lost and accompanying medical expenses incurred because of a job-related injury.
Casualty insurance insures against accidents, not necessarily tied to any specific property.
Casualty insuranceCrime insurance is a form of casualty insurance that covers the policyholder against losses arising from the criminal acts of third parties. For example, a company can obtain crime insurance to cover losses arising from theft or embezzlement.
Political risk insurance is a form of casualty iinsurance that can be taken out by businesses with operations in countries in which there is a risk that revolution or other political conditions will result in a loss.
Life insuranceLife insurance provides a monetary benefit to a decedent's family or other designated beneficiary, and may specifically provide for income to an insured person's family, burial funeral and other final expenses. Life insurance policies often allow the option of having the proceeds paid to the beneficiary either in a lump sum cash payment or an annuity.
Annuities provide a stream of payments and are generally classified as insurance because they are issued by insurance companies and regulated as insurance and require the same kinds of actuarial and investment management expertise that life insurance requires. Annuities and pensions that pay a benefit for life are sometimes regarded as insurance against the possibility that a retiree will outlive his or her financial resources. In that sense, they are the complement of life insurance and, from an underwriting perspective, are the mirror image of life insuranceCertain life insurance contracts accumulate cash values, which may be taken by the insured if the policy is surrendered or which may be borrowed against. Some policies, such as annuities and endowment policies are financial instruments to accumulate or liquidate wealth when it is needed.
In many countries, such as the U.S. and the UK, the tax law provides that the interest on this cash value is not taxable under certain circumstances. This leads to widespread use of life insurance as a tax-efficient method of saving as well as protection in the event of early death.
In U.S., the tax on interest income on life insurance policies and annuities is generally deferred. However, in some cases the benefit derived from tax deferral may be offset by a low return. This depends upon the insuring company, the type of policy and other variables (mortality, market return, etc.). Moreover, other income tax saving vehicles may be better alternatives for value accumulation. A combination of low-cost term life insurance and a higher-return tax-efficient retirement account may achieve better investment return.
Property insurance
Property insurance provides protection against risks to property, such as fire, theft or weather damage. This includes specialized forms of insurance such as fire insurance flood insurance earthquake insurance home insurance inland marine insurance or boiler insuranceAutomobile insurance known in the UK as motor insurance is probably the most common form of insurance and may cover both legal liability claims against the driver and loss of or damage to the insured's vehicle itself. Throughout the United States an auto insurance policy is required to legally operate a motor vehicle on public roads. In some jurisdictions, bodily injury compensation for automobile accident victims has been changed to a no-fault system, which reduces or eliminates the ability to sue for compensation but provides automatic eligibility for benefits. Credit card companies insure against damage on rented cars.
Driving School insurance provides cover for any authorized driver whilst undergoing tuition, cover also unlike other motor policies provides cover for instructor liability where both the pupil and driving instructor are equally liable in the event of a claim.
Aviation insurance insures against hull, spares, deductibles, hull wear and liability risks.
Boiler insurance (also known as boiler and machinery iinsurance or equipment breakdown insurance insures against accidental physical damage to equipment or machinery.
Builder's risk insurance insures against the risk of physical loss or damage to property during construction. Builder's risk insurance is typically written on an "all risk" basis covering damage due to any cause (including the negligence of the insured) not otherwise expressly excluded.
Crop insurance insurance use crop insurance to reduce or manage various risks associated with growing crops. Such risks include crop loss or damage caused by weather, hail, drought, frost damage, insects, or disease, for instance."
Earthquake insurance is a form of property insurance that pays the policyholder in the event of an earthquake that causes damage to the property. Most ordinary homeowners insurance policies do not cover earthquake damage. Most earthquake insurance policies feature a high deductible. Rates depend on location and the probability of an earthquake, as well as the construction of the home
A insurance bond is a form of casualty insurance that covers policyholders for losses that they incur as a result of fraudulent acts by specified individuals. It usually insures a business for losses caused by the dishonest acts of its employees.
Flood insurance protects against property loss due to flooding. Many insurers in the U.S. do not provide flood insurance in some portions of the country. In response to this, the federal government created the National Flood insurance Program which serves as the insurer of last resort.
Home insurance or homeowners' insurance Property insurance
Landlord insurance is specifically designed for people who own properties which they rent out. Most house insurance cover in the U.K will not be valid if the property is rented out therefore landlords must take out this specialist form of home insurance
Marine insurance and marine cargo insurance cover the loss or damage of ships at sea or on inland waterways, and of the cargo that may be on them. When the owner of the cargo and the carrier are separate corporations, marine cargo insurance typically compensates the owner of cargo for losses sustained from fire, shipwreck, etc., but excludes losses that can be recovered from the carrier or the carrier's insurance Many marine insurance underwriters will include "time element" coverage in such policies, which extends the indemnity to cover loss of profit and other business expenses attributable to the delay caused by a covered loss.
Surety bond insurance is a three party insurance guaranteeing the performance of the principal.
Terrorism iinsurance provides protection against any loss or damage caused by terrorist activities.
Volcano insurance is an insurance that covers volcano damage in Hawaii.
Windstorm insurance is an insurance covering the damage that can be caused by hurricanes and tropical cyclones.
Liability insuranceLiability insurance is a very broad superset that covers legal claims against the insured. Many types of insurance include an aspect of liability coverage. For example, a homeowner's insurance policy will normally include liability coverage which protects the insured in the event of a claim brought by someone who slips and falls on the property; automobile insurance also includes an aspect of liability insurance that indemnifies against the harm that a crashing car can cause to others' lives, health, or property. The protection offered by a liability insurance policy is twofold: a legal defense in the event of a lawsuit commenced against the policyholder and indemnification (payment on behalf of the insured) with respect to a settlement or court verdict. Liability policies typically cover only the negligence of the insured, and will not apply to results of wilful or intentional acts by the insured.
Directors and officers liability insurance protects an organization (usually a corporation) from costs associated with litigation resulting from mistakes made by directors and officers for which they are liable. In the industry, it is usually called for short.
Environmental liability insurance protects the insured from bodily injury, property damage and cleanup costs as a result of the dispersal, release or escape of pollutants.
Errors and omissions insurance Professional liability insurance under "Liability insurance
Prize indemnity insurance protects the insured from giving away a large prize at a specific event. Examples would include offering prizes to contestants who can make a half-court shot at a basketball game, or a hole-in-one at a golf tournament.
Professional liability insurance also called professional indemnity insurance protects insured professionals such as architectural corporation and medical practice against potential negligence claims made by their patients/clients. Professional liability insurance may take on different names depending on the profession. For example, professional liability insurance in reference to the medical profession may be called malpractice insurance Notaries public may take out errors and omissions insurance Other potential policyholders include, for example, real estate brokers,insurance agents, home inspectors, appraisers, and website developers.

 
At 2:39 AM, Anonymous Anonymous said...

How people can come up with such a information, ideas and posts? ?

 
At 10:47 AM, Anonymous Anonymous said...

When I initially commented I clicked the "Notify me when new comments are added" checkbox and now each time
a comment is added I get four emails with the same comment.
Is there any way you can remove people from that service?

Appreciate it!
my web site: affiliate marketing online

 
At 1:19 PM, Anonymous Anonymous said...

An impressive share! I've just forwarded this onto a colleague who was doing a little research on this. And he actually ordered me lunch because I stumbled upon it for him... lol. So let me reword this.... Thanks for the meal!! But yeah, thanks for spending some time to discuss this subject here on your blog.
My web page > day trading scalping

 
At 8:10 PM, Anonymous Anonymous said...

I feel that is among the such a lot significant info for me.
And i'm happy reading your article. However want to commentary on few normal things, The web site style is wonderful, the articles is truly great : D. Just right job, cheers
Here is my webpage : Binary Options

 
At 11:02 PM, Anonymous Anonymous said...

Excellent post. I used to be checking continuously this blog and
I am impressed! Extremely helpful info specially the last phase :
) I take care of such info much. I used to be looking
for this particular info for a very long time. Thank you
and best of luck.
My blog - work from home in the uk

 
At 3:00 AM, Anonymous Anonymous said...

What i do not realize is in truth how you're now not really much more smartly-favored than you might be now. You are so intelligent. You recognize therefore considerably in relation to this topic, produced me in my view imagine it from numerous varied angles. Its like women and men aren't involved except
it's something to do with Woman gaga! Your individual stuffs excellent. Always handle it up!
My page : affiliate marketing tips, training, how to's, and articles - learn from expert affiliates

 
At 4:15 AM, Anonymous Anonymous said...

I’m not that much of a internet reader to be
honest but your blogs really nice, keep it up! I'll go ahead and bookmark your website to come back down the road. Cheers
Here is my web-site ... http://jennasworkfromhome.com

 
At 5:38 AM, Anonymous Anonymous said...

Sweet blog! I found it while searching on Yahoo News.
Do you have any tips on how to get listed in Yahoo
News? I've been trying for a while but I never seem to get there! Thank you
Also visit my web site quit smoking Today

 
At 1:11 PM, Anonymous Anonymous said...

Excellent beat ! I would like to apprentice at the same time as you amend your website, how could i subscribe for a weblog site?
The account helped me a applicable deal. I had been a little bit acquainted of
this your broadcast provided vibrant transparent
concept
Feel free to surf my web-site slots online real money

 
At 3:13 PM, Anonymous Anonymous said...

It's in fact very complex in this active life to listen news on Television, thus I just use world wide web for that purpose, and take the most recent information.
Here is my web page : new ways to make money

 
At 6:52 PM, Anonymous Anonymous said...

Excellent weblog here! Additionally your website loads up
very fast! What host are you using? Can I am getting your associate hyperlink for your host?
I want my web site loaded up as fast as yours lol
My web page ; online slots for money

 
At 11:21 AM, Anonymous Anonymous said...

You ought to be a part of a contest for one of the best websites on the
web. I am going to recommend this site!
My web page : online slots machine

 
At 11:39 AM, Anonymous Anonymous said...

Definitely believe that which you said. Your favorite reason
appeared to be at the internet the simplest thing to remember of.
I say to you, I certainly get irked even as other folks consider issues that they just do not realize about.

You controlled to hit the nail upon the highest and defined out
the whole thing with no need side effect , other folks can take a signal.

Will probably be again to get more. Thank you
My homepage roulette for real money

 
At 7:39 PM, Anonymous Anonymous said...

I'm now not positive where you are getting your info, however great topic. I needs to spend some time learning much more or understanding more. Thanks for excellent information I used to be searching for this info for my mission.
My web-site ... real online slots

 
At 8:24 PM, Anonymous Anonymous said...

I'm truly enjoying the design and layout of your website. It's a very easy
on the eyes which makes it much more pleasant for me to come here and visit more often.
Did you hire out a developer to create your theme?

Excellent work!
Here is my web page ... purchase slot machine

 
At 1:18 AM, Anonymous Anonymous said...

That is really attention-grabbing, You're an excessively skilled blogger. I've
joined your feed and stay up for looking for more of your
excellent post. Additionally, I have shared your site in my social networks
my page: top online us casino

 
At 2:04 PM, Anonymous Anonymous said...

Hello, i feel that i saw you visited my web site thus i got here to
go back the choose?.I'm trying to to find things to enhance my website!I assume its ok to make use of some of your ideas!!
my web site > online money win

 
At 4:27 PM, Anonymous Anonymous said...

If you are going for most excellent contents like me, only pay
a visit this web page every day as it gives quality contents, thanks
Feel free to visit my web-site ... Best Online Usa Casinos

 
At 4:38 PM, Anonymous Anonymous said...

It's appropriate time to make some plans for the longer term and it is time to be happy. I've learn this publish and if I could I desire
to suggest you some fascinating things or tips.

Perhaps you can write subsequent articles relating to this article.
I desire to read even more things approximately
it!
Also see my site :: slot online

 
At 5:30 PM, Anonymous Anonymous said...

Hey there this is kind of of off topic but I was wondering if blogs use WYSIWYG editors or if you
have to manually code with HTML. I'm starting a blog soon but have no coding experience so I wanted to get advice from someone with experience. Any help would be enormously appreciated!
Here is my webpage - online usa casino

 
At 5:48 PM, Anonymous Anonymous said...

I'm pretty pleased to discover this web site. I want to to thank you for your time for this particularly fantastic read!! I definitely loved every bit of it and I have you bookmarked to see new stuff on your web site.
Also visit my web-site Blackjack for real money

 
At 5:55 PM, Anonymous Anonymous said...

Oh my goodness! Incredible article dude! Many thanks,
However I am having problems with your RSS. I don't understand the reason why I am unable to join it. Is there anybody having identical RSS problems? Anyone that knows the solution will you kindly respond? Thanx!!
Here is my blog post ... real money free

 
At 6:32 PM, Anonymous Anonymous said...

I visited various web sites except the audio feature for audio songs present at this web page is really fabulous.
my webpage > real online roulette

 
At 8:52 PM, Anonymous Anonymous said...

Wow, wonderful blog structure! How long have you been running a blog
for? you made running a blog look easy. The whole
glance of your site is wonderful, let alone the content!
My site: win real money playing slots online

 
At 12:19 PM, Anonymous Anonymous said...

We absolutely love your blog and find the majority
of your post's to be just what I'm looking for.
Do you offer guest writers to write content to
suit your needs? I wouldn't mind producing a post or elaborating on most of the subjects you write with regards to here. Again, awesome blog!
My site : online trading stocks

 
At 1:57 PM, Anonymous Anonymous said...

Greetings! Very helpful advice within this article!

It's the little changes which will make the most important changes. Thanks for sharing!
My page : online usa casinos

 
At 2:05 PM, Anonymous Anonymous said...

First off I would like to say fantastic blog!

I had a quick question in which I'd like to ask if you do not mind. I was curious to know how you center yourself and clear your thoughts before writing. I've had trouble clearing my mind in
getting my thoughts out. I truly do enjoy writing however it just seems
like the first 10 to 15 minutes are generally wasted simply just trying to figure out how to
begin. Any ideas or hints? Cheers!
My website traderush.com

 
At 3:43 PM, Anonymous Anonymous said...

I leave a comment when I especially enjoy a post on a website or I have something
to contribute to the discussion. It is a result of the fire communicated in the article I looked at.
And after this post "Hi-Tech Hamas". I was actually moved enough to write a comment :-) I actually do have 2 questions for you if you don't mind. Is it simply me or do a few of these responses appear as if they are written by brain dead visitors? :-P And, if you are writing on other online social sites, I'd like to keep
up with everything new you have to post. Could you list every one of your shared sites like your twitter feed,
Facebook page or linkedin profile?
Also visit my web site how can i make money online

 
At 8:01 PM, Anonymous Anonymous said...

Hello excellent blog! Does running a blog such as this
take a great deal of work? I have virtually no understanding of computer programming however I was hoping to start my own blog soon.
Anyhow, if you have any recommendations or tips for new blog owners please share.
I know this is off topic but I just needed to ask.
Cheers!
Here is my page - stock market trading

 
At 1:52 AM, Anonymous Anonymous said...

Today, while I was at work, my cousin stole my iphone and tested to see if it can survive a 25
foot drop, just so she can be a youtube sensation. My apple ipad is
now destroyed and she has 83 views. I know this is completely off
topic but I had to share it with someone!
Look at my page :: Real Money Online Blackjack

 
At 2:00 AM, Anonymous Anonymous said...

Write more, thats all I have to say. Literally, it seems as though you relied on the video to make your point.

You obviously know what youre talking about, why throw away your intelligence on just posting videos to your site when you could be giving us something informative to read?
Check out my blog post online blackjack for cash

 
At 4:30 AM, Anonymous Anonymous said...

Can you tell us more about this? I'd want to find out some additional information.
My weblog - On Line Roulette For Money

 
At 8:33 PM, Anonymous Anonymous said...

Howdy! This is my 1st comment here so I just wanted
to give a quick shout out and tell you I
genuinely enjoy reading your blog posts. Can you suggest any other blogs/websites/forums that cover the same topics?
Many thanks!
Here is my page : how to make money from your home

 
At 10:31 PM, Anonymous Anonymous said...

Does your site have a contact page? I'm having trouble locating it but, I'd like to shoot you an e-mail.
I've got some recommendations for your blog you might be interested in hearing. Either way, great website and I look forward to seeing it improve over time.
Also visit my blog post - free online casino slots no download

 
At 12:26 AM, Anonymous Anonymous said...

I do not even know how I ended up here, but I thought this
post was good. I do not know who you are but definitely you
are going to a famous blogger if you aren't already ;) Cheers!
My blog ; top online casinos usa

 
At 12:36 AM, Anonymous Anonymous said...

Oh my goodness! Amazing article dude! Thank you so much,
However I am having troubles with your RSS. I don't know why I cannot subscribe to it. Is there anybody getting similar RSS issues? Anybody who knows the solution can you kindly respond? Thanks!!
Here is my web site ; online usa Casinos

 
At 8:16 AM, Anonymous Anonymous said...

Very soon this website will be famous amid all blogging and site-building users, due to it's nice articles
My blog : online casinos usa players

 
At 12:43 PM, Anonymous Anonymous said...

Link exchange is nothing else except it is only placing the other person's weblog link on your page at appropriate place and other person will also do similar in support of you.
Also visit my web page - slot online

 
At 1:03 PM, Anonymous Anonymous said...

great points altogether, you simply received a brand new reader.

What might you recommend in regards to your publish
that you made a few days ago? Any certain?
Also see my web page > online roulette real money

 
At 7:04 AM, Anonymous Anonymous said...

Thank you for some other magnificent article.
Where else may just anyone get that type of info in such an ideal way of writing?
I've a presentation subsequent week, and I am on the search for such info.
Visit my page : money online Earn

 
At 4:55 PM, Anonymous Anonymous said...

Hello there I am so thrilled I found your webpage, I really
found you by mistake, while I was browsing on Askjeeve for something else, Regardless I am here
now and would just like to say thanks a lot for a
tremendous post and a all round interesting blog (I also love the theme/design), I don’t have time to read through it all at the moment but I have saved it and
also included your RSS feeds, so when I have time I will be back to
read a great deal more, Please do keep up the fantastic work.
My site: casino slots online

 
At 5:01 PM, Anonymous Anonymous said...

Good day! I know this is kinda off topic but I'd figured I'd ask.
Would you be interested in trading links or maybe guest writing a blog post or vice-versa?
My website covers a lot of the same subjects as yours and I
believe we could greatly benefit from each other.

If you might be interested feel free to shoot me an email. I
look forward to hearing from you! Awesome blog by the way!
Feel free to surf my weblog how to make big money online

 
At 3:03 AM, Anonymous Anonymous said...

Inspiring story there. What occurred after? Thanks!
Stop by my webpage ... weekly options trading

 
At 4:24 AM, Anonymous Anonymous said...

My family every time say that I am wasting my time here at
web, except I know I am getting familiarity everyday by reading such fastidious articles or
reviews.
Also see my web page - automated trading strategy

 
At 6:08 AM, Anonymous Anonymous said...

Everything is very open with a very clear description of the
issues. It was definitely informative. Your site is useful.
Thank you for sharing!
Here is my web site ... swing trading basics

 
At 6:08 AM, Anonymous Anonymous said...

I do not even know how I ended up here, but I thought this
post was good. I don't know who you are but certainly you're going to
a famous blogger if you are not already ;) Cheers!
Feel free to surf my web-site :: 10 ways to make money online

 
At 7:59 AM, Anonymous Anonymous said...

I love what you guys are up too. This kind of clever
work and reporting! Keep up the great works guys I've you guys to my own blogroll.
Feel free to visit my web-site ; wisconsin job search

 
At 1:06 PM, Anonymous Anonymous said...

Thanks for sharing your thoughts. I truly appreciate your efforts
and I will be waiting for your further post thank you once again.
Here is my website ; play casino games Real money

 
At 4:02 PM, Anonymous Anonymous said...

It's awesome designed for me to have a site, which is useful in favor of my knowledge. thanks admin
Here is my page - slot machines online for real money

 
At 6:17 PM, Anonymous Anonymous said...

I don't leave a response, however I browsed through a few remarks on this page "Hi-Tech Hamas". I do have a few questions for you if you do not mind. Could it be just me or do a few of these comments appear like they are coming from brain dead people? :-P And, if you are posting on additional online social sites, I would like to follow everything fresh you have to post. Would you list of every one of your public sites like your Facebook page, twitter feed, or linkedin profile?
Here is my webpage : forex trading strategies

 
At 6:26 PM, Anonymous Anonymous said...

Have you ever thought about including a little bit
more than just your articles? I mean, what you say is important and all.

However think about if you added some great pictures or videos to give your posts more, "pop"!
Your content is excellent but with images and clips, this site
could definitely be one of the very best in its field.

Great blog!
Look into my homepage - wirklich geld verdienen

 
At 4:28 AM, Anonymous Anonymous said...

Heya i am for the first time here. I came across this board and
I find It truly useful & it helped me out much.
I hope to give something back and help others like you aided me.
My web site > ways to make money fast online

 
At 4:30 AM, Anonymous Anonymous said...

I almost never leave a response, however after reading some of the responses
on this page "Hi-Tech Hamas". I do have a couple of questions for you if
you tend not to mind. Could it be just me or does it
look as if like some of the remarks appear like they
are coming from brain dead individuals? :-P And, if you are posting at other online social sites, I'd like to follow you. Could you make a list of the complete urls of your social community pages like your twitter feed, Facebook page or linkedin profile?
Also see my site :: play slots for money

 
At 7:06 PM, Anonymous Anonymous said...

Good day! This is my first visit to your blog! We are a group of volunteers
and starting a new initiative in a community in the same niche.
Your blog provided us valuable information to work on.
You have done a marvellous job!
my site - forex trading news

 
At 10:49 AM, Anonymous Anonymous said...

Hello there, You've done an incredible job. I will certainly digg it and personally recommend to my friends. I am confident they'll be
benefited from this website.
Here is my blog :: work from home legit jobs

 
At 11:30 AM, Anonymous Anonymous said...

I was suggested this web site by my cousin. I'm not sure whether this post is written by him as nobody else know such detailed about my difficulty. You are wonderful! Thanks!
my website: Forex Traders Blog

 
At 1:11 PM, Anonymous Anonymous said...

continuously i used to read smaller articles or reviews which as well clear their motive,
and that is also happening with this paragraph which I am reading at this place.
My web site - learn online forex trading

 
At 6:23 PM, Anonymous Anonymous said...

My coder is trying to persuade me to move to .net from PHP.
I have always disliked the idea because of the expenses.
But he's tryiong none the less. I've been using Movable-type on numerous websites for about a year and
am nervous about switching to another platform. I have heard good things about blogengine.
net. Is there a way I can import all my wordpress posts into it?
Any help would be greatly appreciated!
My web-site - making extra money online

 
At 1:52 AM, Anonymous Anonymous said...

Good day! I know this is kinda off topic however ,
I'd figured I'd ask. Would you be interested in trading links or maybe
guest authoring a blog article or vice-versa?
My website covers a lot of the same subjects
as yours and I feel we could greatly benefit from each other.

If you happen to be interested feel free to send me an
email. I look forward to hearing from you! Wonderful blog by the way!
Look into my web page ... Options Trading strategy

 
At 1:59 AM, Anonymous Anonymous said...

Howdy! This post could not be written any better! Looking through this article reminds me of my previous roommate!
He continually kept talking about this. I am going to forward this information to him.
Pretty sure he will have a very good read. Thanks for sharing!
Also visit my web-site ; legit work at home

 
At 3:21 AM, Anonymous Anonymous said...

My coder is trying to persuade me to move to .net from PHP.
I have always disliked the idea because of the costs.
But he's tryiong none the less. I've been using WordPress on numerous websites for about a year and am concerned
about switching to another platform. I have heard excellent things about blogengine.
net. Is there a way I can import all my wordpress posts into it?
Any kind of help would be really appreciated!
Feel free to surf my page - job finder bay area

 
At 1:55 AM, Anonymous Anonymous said...

It's awesome to go to see this web site and reading the views of all colleagues on the topic of this piece of writing, while I am also zealous of getting experience.
My web page ; open a new ameritrade Account before march 31st and trade Commission free for 30 days

 
At 12:20 PM, Anonymous Anonymous said...

I've learn a few excellent stuff here. Definitely price bookmarking for revisiting. I surprise how so much effort you put to make this sort of magnificent informative website.
Here is my blog ; online job search Engine

 
At 9:47 PM, Anonymous Anonymous said...

Write more, thats all I have to say. Literally, it seems
as though you relied on the video to make your point. You obviously know what youre talking about, why throw away
your intelligence on just posting videos to your blog when you could
be giving us something enlightening to read?
Feel free to surf my web blog :: forex demo contest

 
At 11:08 PM, Anonymous Anonymous said...

I could not refrain from commenting. Exceptionally well written!
my site: spot forex trading

 
At 1:20 PM, Anonymous Anonymous said...

Hi there very nice web site!! Man .. Excellent .
. Amazing .. I will bookmark your web site and take the feeds also?
I'm glad to find a lot of helpful information right here in the publish, we'd like develop
extra strategies on this regard, thanks for sharing.
. . . . .
Here is my homepage - online jobs work from home no fees

 
At 1:41 PM, Anonymous Anonymous said...

It's going to be finish of mine day, however before end I am reading this impressive paragraph to increase my knowledge.
Take a look at my page : trading signals services

 
At 2:46 PM, Anonymous Anonymous said...

It is the best time to make some plans for the future and it is time
to be happy. I've read this post and if I could I desire to suggest you some interesting things or tips. Perhaps you can write next articles referring to this article. I want to read more things about it!
My website > i am looking for a job

 
At 3:16 PM, Anonymous Anonymous said...

What's up to all, it's in fact a pleasant for me to visit this web site,
it contains precious Information.
Also see my website - recurring affiliate programs

 
At 8:14 PM, Anonymous Anonymous said...

Hi there, I wish for to subscribe for this webpage to take most recent updates, thus where can i do it please help.
Also visit my web site ; how to get a job at target

 
At 11:53 PM, Anonymous Anonymous said...

I really like your blog.. very nice colors & theme.
Did you design this website yourself or did you hire someone to do it for you?
Plz answer back as I'm looking to construct my own blog and would like to know where u got this from. many thanks
Feel free to surf my blog post online coding jobs

 
At 2:47 AM, Anonymous Anonymous said...

What's up, just wanted to say, I liked this blog post. It was practical. Keep on posting!
Also visit my blog - usa online casino

 
At 10:01 AM, Anonymous Anonymous said...

Hi there! Do you know if they make any plugins to assist with Search
Engine Optimization? I'm trying to get my blog to rank for some targeted keywords but I'm not seeing very good
results. If you know of any please share. Many
thanks!
Also visit my webpage ; ways To make money easy

 
At 6:11 PM, Anonymous Anonymous said...

Good article! We are linking to this great article on our website.
Keep up the great writing.

My webpage; best online stock trading

 
At 10:13 PM, Anonymous Anonymous said...

Its such as you read my mind! You appear to understand so much about this, like you wrote the guide in it or something.

I think that you simply could do with some percent to force
the message home a little bit, however instead of
that, that is fantastic blog. A fantastic read. I'll certainly be back.

Here is my web blog ... ways to make money at home

 
At 12:55 PM, Anonymous Anonymous said...

Excellent blog here! Also your site loads up fast! What web host are you using?
Can I get your affiliate link to your host? I wish my website loaded up as fast as yours lol

Look at my webpage day trading for dummiespakistan forex rates
Also see my page :: forex day tradingforex broker list

 
At 1:36 PM, Anonymous Anonymous said...

What's up, just wanted to tell you, I liked this article. It was inspiring. Keep on posting!

Also visit my site ... how to make legitimate money from home

 
At 1:40 PM, Anonymous Anonymous said...

Hi there, i read your blog occasionally and i
own a similar one and i was just curious if you get a lot of spam feedback?
If so how do you stop it, any plugin or anything you can recommend?
I get so much lately it's driving me crazy so any help is very much appreciated.

Here is my blog how to make fast money online

 
At 4:52 PM, Anonymous Anonymous said...

I every time spent my half an hour to read this
website's content everyday along with a cup of coffee.

Also visit my weblog :: how to get fast money

 
At 3:59 AM, Anonymous Anonymous said...

Do you have a spam issue on this website; I also am a blogger,
and I was wanting to know your situation; many of us have developed some nice methods and we
are looking to swap techniques with other folks, be sure to shoot me an email if interested.


Here is my site binary options systems
my web site - binary options demo

 
At 4:00 AM, Anonymous Anonymous said...

Hi there, There's no doubt that your web site might be having web browser compatibility issues. Whenever I look at your blog in Safari, it looks fine however, when opening in IE, it has some overlapping issues. I merely wanted to give you a quick heads up! Other than that, fantastic blog!

Here is my web site :: hedging binary options
my web site - forex binary options brokers

 
At 4:11 AM, Anonymous Anonymous said...

Incredible! This blog looks exactly like my old one! It's on a totally different subject but it has pretty much the same layout and design. Superb choice of colors!

Feel free to surf to my web blog binary options trading platform
My website: binary options system

 
At 5:27 AM, Anonymous Anonymous said...

Hmm it looks like your site ate my first comment (it was super long) so I
guess I'll just sum it up what I had written and say, I'm thoroughly enjoying your blog.
I too am an aspiring blog writer but I'm still new to everything. Do you have any helpful hints for inexperienced blog writers? I'd really appreciate it.


Also visit my page ... binary options australia

 
At 7:21 AM, Anonymous Anonymous said...

Thanks for sharing your thoughts about kc. Regards

Here is my blog :: paläodiät

 
At 7:47 PM, Anonymous Anonymous said...

Hi! I'm at work browsing your blog from my new apple iphone! Just wanted to say I love reading through your blog and look forward to all your posts! Keep up the fantastic work!

Look at my web site :: wordpress seminar
Also see my web page: joomla lehrgang

 
At 12:32 AM, Anonymous Anonymous said...

I am sure this article has touched all the internet users, its really really good piece of
writing on building up new blog.

Here is my webpage; schnell kostenlos abnehmen
Also see my web page - shake zum abnehmen

 
At 5:57 AM, Anonymous Anonymous said...

I do agree with all the concepts you've introduced in your post. They're
very convincing and can definitely work. Still, the posts are very
brief for newbies. Could you please lengthen them a little from
next time? Thanks for the post.

Here is my page: sears online job application
Also see my webpage :: legitimate jobs online

 
At 9:50 PM, Anonymous Anonymous said...

Write more, thats all I have to say. Literally, it seems as though you relied on the video to make your point.

You definitely know what youre talking about, why throw
away your intelligence on just posting videos to your weblog when you
could be giving us something informative to read?


my web-site; how to make free money
My web page: find free money

 

Post a Comment

<< Home