Friday, December 12, 2008

What You May Not Know About Consolidating Student Loans

Having trouble paying your student loans? You might be surprised about this little know fact about consolidation student loans. The concept of deferment and forbearance might be new to you, but it's alive and well.


These topics come in handy because at times, you may find it financially difficult or impossible to repay your student loan. The worst thing that you can do is bury your head in the sand and ignore your payments (and your lender) completely. The best thing that you can do is contact your lender and apply for a deferment, forbearance, or cancellation of your loan.

Deferment: With a deferment, your lender grants you a temporary reprieve from repaying your student loan based on a specific condition, such as unemployment, temporary disability, or a return to graduate school on a full-time basis. For federal loans, the federal government pays the interest that accrues during the deferment period, so your loan balance won't increase. A deferment usually lasts six months, and you are limited in the total number of deferments you can take over the life of the loan.

Forbearance: With a forbearance, your lender grants you permission to reduce or stop your loan payments for a certain period of time at its discretion (one common reason is economic hardship). However, interest continues to accrue, even on federal loans. Like a deferment, a forbearance usually lasts six months, and the total number allowed over the life of the loan is limited.

Loan Cancellation: With a cancellation, your loan is permanently wiped off your list of financial obligations. It's not easy to qualify for a cancellation, though. Situations when this may be allowed are the death or permanent total disability of the borrower, or if the borrower takes a job teaching needy populations in certain geographic areas. Typically, student loans can't be discharged in bankruptcy.

Remember, these things don't happen on their own. You'll need to find the appropriate application from your lender, attach any supporting documentation, and follow up to make sure that your application has been processed correctly.

Thursday, December 11, 2008

How Is Mesothelioma Diagnosed?

Mesothelioma is almost always caused by exposure to asbestos, and that could have been 20 years ago, or 30 or even 50 years ago. It takes all those years for the tiny asbestos fibers to work their way deeply into the pleura, the membrane around the lungs. They may even penetrate all the way to the air sacs, where oxygen and carbon dioxide are exchanged.

In a minority of cases, the fibers work their way into the pericardium, the membrane around the heart. If the asbestos was ingested (from air-borne fibers getting into food) they will work their way into the peritoneum, the abdominal cavity membrane. Or alternatively, the fibers may travel to the abdomen from the lung area in the lymphatic system.

Immune System Failure

Once those fibers are in the mesothelium, the body cannot get rid of them. Normally, when there are any cells the body regards as “foreign”, such as a flu virus, special defense cells rush to the site and attempt to engulf it. They are called macrophages and are part of the body’s immune system. They will usually carry the “foreigner” away in the bloodstream to be excreted. (Of course, the effectiveness of this reaction varies from person to person.)

When macrophages rush to engulf asbestos fibers, they have met their match. Asbestos was used so widely for so many decades because it has several remarkable properties. It is a flame-retardant, blocks sound, and does not conduct electricity. And it resists chemical change. It defeats the macrophages, which die in the battle and accumulate in the area as debris, or change their secretions and generate more free radicals. It appears that asbestos can suppress the immune system, and more research is needed to fully understand why and how. At any rate, eventually a tumor forms and begins to grow.

Diagnostic Steps

Mesothelioma diagnosis begins with a review of the medical history and if it reveals any history of asbestos exposure, the doctor’s antennae will go up. A physical exam follows, and a chest X-ray.

· There may be lung function tests to assess the volume of air that the lungs can hold and the speed at which they can inhale and exhale.

· Asbestos exposure typically creates a thickening in the lung tissue, so if the X-ray reveals this, a CT scan or MRI will be performed.

· If fluid has accumulated in the lungs, some will be aspirated with a syringe and tested for abnormal cells. At this point, the doctor may diagnose tuberculosis or heart failure.

· To confirm the presence of mesothelioma litigation maryland, a biopsy will be done. The doctor will take a sample of tissue and send it to a pathologist to examine under a microscope.

It is not fully understood at the molecular level how mesothelioma begins. It is still a fairly rare form of cancer, although incidence rates have risen during the past 20 years. In Western countries, it appears between seven and forty times per million people.

Most people who are being diagnosed with mesothelioma litigation maryland were exposed to asbestos on the job. Adequate protection was not provided by the employer, such as breathing masks or special clothing worn only on the job. Workers who came home wearing the same clothing as they had worked in brought asbestos fibers home with them. That meant that whoever did their laundry could well have been exposed to the asbestos also.

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Wednesday, December 10, 2008

Mesothelioma Stages: The Butchart System

The symptoms of mesothelioma are similar to many other conditions, making diagnosis complicated. Yet, it is these complications that lead physicians to discover the unique features of a given disease, that, once isolated, make it possible to identify the specific disease and make a diagnosis.

Diagnosis

And, so it is with mesothelioma litigation maryland. Diagnosis starts with a medical history review, examination, and diagnostic testing. During your medical history review and examination you will learn facts that he will use as clues to direct him. Your symptoms, your work history, and likelihood of exposure to asbestos and other facts, combined, will give him an idea what to look for, and thus, a list of diagnostic tests to run that will give him the foundation for a his diagnosis. If he suspects mesothelioma, you can expect the following list of tests to be done:

• X-rays of chest, abdomen or both

• Pulmonary function tests (to measure breathing capacity)

• CAT scan or MRI

• Biopsy (if a mass is present it is needed to confirm a mesothelioma diagnosis)

Progression of Mesothelioma

Once mesothelioma is diagnosed, its progression is measured by classifying symptoms into four stages, called staging. Staging systems measure the extent that the primary mass has spread within the body. It does not account for secondary tumors or complications caused by the cancer. All staging systems describe the stages that originate from the pleura, since over 80% of mesothelioma cases manifest in the pleura. Only two are used for peritoneal mesothelioma. The Butchart System is not used to stage peritoneal mesothelioma or mesothelioma originating in other organs (see TNM system.)

Staging

Of the three main staging systems for mesothelioma litigation maryland, the Butchart System, named for Dr. Eric Butchart who developed it, is the oldest.

Stage 1

At this stage, the primary tumor is isolated to the pleura on one side or the other, and possibly the diaphragm on that same side. It may also have reached the pericardium, the mesothelial membrane encasing the heart.

Stage 2

At this stage the primary mass is present in both lungs, and may have spread to other organs or lymph nodes within the chest cavity.

Stage 3

The primary mass has entered the peritoneum through the diaphragm. It may also have spread to lymph nodes outside of the chest cavity.

Stage 4

This stage is called “distant metastatic cancer” as it has spread to other parts of the body by way of the blood stream.

Treatment of mesothelioma varies by stage ranging from surgery, radiation and clinical trial in Stage I, to draining the excess fluid from the chest or abdomen, palliative surgery, radiation therapy, chemotherapy, or a clinical trial of a combination of these treatments.

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Tuesday, December 9, 2008

Mesothelioma’s Effect On Families

Though not directly exposed to asbestos in high concentrations, family and friends of workers who are heavily exposed are at some risk, as evidence shows. This contamination can come from the clothing of a someone who works with asbestos, living near an asbestos mine, plant or other location, breathing the air in those locations where asbestos exists is large quantities, drinking liquids that have been exposed to asbestos, eating foods grown in dirt or otherwise ingesting dirt that has been exposed to asbestos. Ultimately, exposing your family and friends to asbestos might cause one or more of them to develop mesothelioma litigation maryland many years later.

Exposure of Children

Asbestos fibers can be found in dirt and water supplies near workplaces that mine asbestos or use it extensively in industry. Children are known to drink more fluid per body size, and eat more dirt than adults. Children may ingest dirt by eating it directly, eating foods with dirty hands, or eating food that was dropped on the ground. Children’s lung structure is different than adults, and their fragile respiratory and digestive systems may be more susceptible to inhaled or ingested asbestos particles than an adult’s. Since mesothelioma does not show up until many years after the first exposure, 20 to 50 years by most estimates, it is difficult to estimate whether children are at greater risk than adults, though it is reasonable to consider this possibility.

Resources, Income and Health Care Benefits

If you become unable to work before reaching retirement age, you and your family will suffer the loss of your income and health benefits. Treatment for mesothelioma litigation maryland is expensive, so, even if you qualify for social security disability (SSD) and Medicare coverage, you will go many months, possibly years without income or Medicare coverage before your social security disability is approved, and another 25 months before you are eligible for Medicare.

If your social security disability application is approved, your income will be less than half what you are accustomed to earning, and Medicare does not cover all costs. You will have to pay insurance premiums for Medicare part A, B, (or C) and D, further reducing your usable income.

If you have not worked 40 quarters by the time you become disabled, you will not qualify for social security disability, but might qualify for supplemental security disability insurance (SSDI), and state Medicaid. SSDI is a significantly smaller income than SSD, and Medicaid is usually more limited medical coverage than Medicare, though there is no premium.

Quality of Life and Relationships

In addition to exposing family and friends to contamination from which they might later suffer health consequences, their lives, as well as these relationships, will be affected by your illness.

• If your wife was not formerly employed, she may need to go to work

• She will not be as available to care for you

• If your wife was already working, your income will be reduced to what she can bring in

• You are likely to have medical expenses that are not covered, even by Medicare

• You may need additional help with activities of daily living, such as dressing, fixing meals, taking medications, picking up prescriptions, traveling to the doctor, and more

• You may not be able to play with your children or grandchildren, or enjoy the company of friends and family as others your age might do

• You may find that fewer of them visit for social reasons

• Many friends, as well as some family members, will drift away, not knowing how to relate to you anymore

If you are fortunate enough to have good friends, they will likely be willing to help you, but your relationships will change along with your activities. Mesothelioma will cause your life will change in every way possible.

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Monday, December 8, 2008

Student Loan Consolidation: Easier Than You Think

Being a student these days can be extremely expensive. With costs of tuition, accommodation, and general living expenses to cater for, it is not surprising that many students find themselves turning to loans to help them with their finances.


However, often these loans can become too much to handle. If you are finding that your student loans are getting a little too much or if you just want a little extra cash at the end of the month, why not consider a consolidation loan?

What is Student Loan Consolidation?

Student loan consolidation is designed to help you to switch all of your student debts into one affordable, manageable monthly repayment. So many students have more than one student loan and managing them every month can be a hassle. By combining the debt into one payment instead of several payments, it makes things a whole lot simpler.

Basically, a consolidation loan is designed to help you to pay off your existing debts. You take out the amount that you owe to all of your student loans and you pay off your original creditors. You then work towards paying back the student loan, usually over a much longer time period. This longer term allows you to pay less every month, though in the long term you will be paying back a lot more than you have actually borrowed.

It is not uncommon for student consolidation loans to last for up to 30 years. Obviously, this is a big commitment and so you need to know that it is the right decision to suit your needs.

Should you opt for a Consolidation Loan?

There are many things that you need to consider before taking out a consolidation loan. The first is whether you can currently afford your monthly repayments. If you can afford them quite comfortably then it would be a bad idea to switch to a consolidation loan. Yes, it would lower your repayments further, but you would be in debt for a much longer time period. So it would make more sense to pay off your existing creditors instead.

If however you are struggling with your debts then a consolidation loan could really help. You don’t have to take the loan out for 30 years, you can choose a shorter time term. Just keep in mind that the shorter the time period of the loan, the higher the monthly repayments will be. However, it will mean that you pay the debt off quicker. So you need to weigh up the pros and cons and then see if a consolidation loan would be right for your circumstances.

Overall, a consolidation loan is just another loan at the end of the day. You have to repay it in the same way as you would repay any other loan. However, it gives you the extra money that you need to enjoy life that little bit more. So if you are struggling with your student loans, why not see if a consolidation loan could help you? Start by researching banks online that offer loan consolidation. Just be sure that you compare like offers to find the best deal.

What Is Mesothelioma (And How Do You Pronounce It!)?

According to Dictionary.com, mesothelioma is pronounced mez-uh-thee-lee-oh-muh. It’s still a little tricky to say, even when you see it broken down! And, this $64 word carries an even pricier definition.

“A malignant [cancerous] tumor of the covering of the lung or the lining of the pleural and abdominal cavities often associated with exposure to asbestos.”

To put it simply, inhaling asbestos dust for extended periods of time can lead to cancer in the lungs and/or abdomen.



The mesothelioma litigation maryland, specifically, is a membrane that covers and protects most of your internal organs. It has two layers: the inner layer immediately surrounds the organ, while the second, or outer, layer forms a sac around it. It would be similar to wrapping a chicken breast in plastic wrap and then putting that in a zip-top bag.

The mesothelioma produces a lubricant of sorts that is released between its two layers. This allows other organs such as the heart and lungs to glide easily against nearby organs, bones, etc.

Sadly, it can take many years, if not decades, for any signs or symptoms of mesothelioma to appear. The most common form of mesothelioma attacks the pleura around the lungs. Common symptoms can include:

• Shortness of breath
• Wheezing, hoarseness and/or cough
• Pain in the chest (due to accumulation of fluid in the pleura around the lungs)
• Fatigue
• Anemia
• Coughing up blood

Abdominal mesothelioma symptoms can include:

• Weight loss
• Abdominal swelling (due to accumulation of fluid)
• Bowel obstruction
• Blood clotting abnormalities
• Anemia
• Fever

Left untreated or undiagnosed, mesothelioma litigation maryland can, like any cancer, spread to other parts of the body with symptoms that include pain, trouble swallowing or swelling of the neck and face.

As mentioned earlier, all of these symptoms of mesothelioma stem from extended exposure to asbestos. Due to its great heat-resistant and fire-retardant properties, asbestos was used quite heavily the in the late 19th and early 20th centuries. Asbestos exposure could happen in just about every blue-collar industry such as oil refineries, construction sites, and automotive repair, just to name a few. Despite the fact that the government has since regulated acceptable asbestos exposure limits in the workplace, previous heavy exposure may still have left you at risk for developing mesothelioma at some point during your lifetime.

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Sunday, December 7, 2008

Types of Mesothelioma

Mesothelioma is a cancer that typically presents itself in malignant form and results in tumors in and around vital organs of the body. The actual medical definition of “mesothelioma” is “cancer of the mesothelium.” The mesothelioma litigation maryland is the sac that lines and protects vital organs such as the heart and lungs.Mesothelioma is the result of exposure to asbestos and typically comes in three forms: pleural mesothelioma, peritoneal mesothelioma, and pericardial mesothelioma. Tragically, the symptoms of all types of mesothelioma do not manifest until several years, even decades, after exposure to asbestos. This makes the disease difficult to diagnose, and often, it’s too late to treat the patient once the diagnosis is made.

Pleural Mesothelioma

This is the most common form of the disease; this occurs when the cancer affects the lungs and protective lining and cavity of the lungs. Sufferers may experience difficulty breathing, difficulty swallowing, shortness of breath, persistent coughing, weight loss, fever, coughing up blood and rasping.

Peritoneal Mesothelioma

A rarer form of mesothelioma litigation maryland is peritoneal mesothelioma. This is where the cancer affects the stomach and abdomen. The cancer can start in the abdominal area and spread to other parts of the body, but the tumours that press against the wall of the abdomen can cause some or all of the following symptoms: abdominal pain, abdominal swelling, nausea, loss of appetite, vomiting, breathing problems, chest pain, bowel obstruction, anaemia, fever, and blood clotting abnormalities.

Pericardial Mesothelioma

This is the rarest form of the disease and is where the cancer affects the heart and the cavity that surrounds the heart. The tumors affecting sufferers of this type can cause chest pain, shortness of breath, difficulty breathing, persistent coughing, and heart palpitations.

Other asbestos-related illness

There are also cases of other asbestos related diseases such as asbestosis and respiratory problems that have stemmed from exposure to this potentially fatal material. Anyone that has worked with asbestos should see their doctor if they have any onset of this type of problem or if they are concerned and have doubts.

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