Monday, August 29, 2005

Michael Yon Live From Mosul

We enjoyed a special double feature on Pundit Review Radio this weekend. Boston Herald business reporter Jay Fitzgerald joined us live in studio. Here is what Jay had to say on his personal blog, HubBlog,

Michael Yon rules the blogoshere -- and airwaves: Local blogger sensation Michael Yon will be tentatively on WRKO tomorrow night along with yours truly, 9 p.m.. He gets to talk about his incredible blogging from Iraq. I get to talk about, er, my blogging from Beacon Hill. Hmmm. ... I'm psyched just to talk to the guy.

He was psyched and so were we. Last time Michael was on the show people lined-up to say thank you.

This week we focused on the issues at hand.
  • Where are we in Iraq?
  • Are our strategies and tactics working?
  • What is the state of the Iraqi Security Forces and the insurgency?
  • How are we treated by the Iraqi's?
  • What do the troops think of the anti-war left as represented by the crowd in Crawford?
You don't want to miss Michael's audible reaction when he heard a quote from Cindy Sheehan!

You wont find this kind of analysis anywhere else.


Pundit Review Radio
WRKO, Boston's Talk Station, AM 680
Sunday's 9pm
Streaming Live and toll free 877.469.4322


186 Comments:

At 8/30/2005 10:16 AM, Anonymous Anonymous said...

Thanks for continuing to give Michael Yon a forum to share his amazing reporting. It was a nice wrinkle to have a journalism pro in the studio with you citizen journalists.:) Congratulations on another great show.

 
At 8/30/2005 12:08 PM, Blogger insomni said...

I was surprised to see an article on Michael Yon in the Star Tribune, (requires registration or BugMeNot), the very liberal Minneapolis paper. Fraters Libertas has some excellent commentary on this.

 
At 8/30/2005 9:31 PM, Anonymous Anonymous said...

Great job guys. Keep bringing him back, because the dreaded MSM sure won't!

 
At 8/31/2005 2:44 PM, Anonymous Anonymous said...

Thank you, thank you, thanks you. I'm starting to hear more about his work in the MM, in part because ofyour show's efforts. Keep up the good work.

 
At 9/01/2005 10:15 PM, Anonymous John Ward said...

Yon's got more guts than God, and thank that said God for him, too. What he's up to over there is, like the internet itself, right on the edge. Thanks for giving him an even broader platform with which to tell it like it is.

 
At 10/26/2005 5:05 PM, Anonymous press radio said...

Special DNN - BUSINESS NEWS Report For Kevin!

-- FOR IMMEDIATE RELEASE -- PRESS RELEASE DNN - BUSINESS NEWS.
The Ten million dollar pixel website does something NO other ONE million pixel web site can! - The'll Give TWO million dollar away!!
Just recently we reported about The Tenmilliondollarwebsite.com. The site is a copycat of The Million Dollar Homepage by a 21-year-old British entrepreneur Alex Tew. The Ten million dollar is rapidly evolving into the fastest growing 'pixel' web site online. They now offer $2.000.000,00 to the largest advertiser on their site.

THE NETHERLANDS, October, 2005 - The tenmilliondollarwebsite.com takes pixel advertising several big steps further. As you can see on http://tenmilliondollarwebsite.com/blog The site had more than 100,000.00 pageviews in 6 weeks being online!! We now have an Alexa page rank far into the 100.000 says Walter proud. He and Janwillem, two guys from The Netherlands are the owners of the site.

They want to live their dream and start an own (Internet) marketing, hosting and consultant business, using the proceedings of the site... They have without a doubt the most valuable name...

To boost the value of your TROPI (Traffic Return On Pixel Investment we learned) they organized a huge and unique promotion!
Asking about this special promotion, Janwillem says: As said before, we can do something no other million dollar website can do: We are giving away more than $2.000.000,00!!

We will give one of our advertisers $2.000.000,00 ( two million dollars) as soon as our site is filled for 50%! The best thing about it is: Nobody needs to participate in any kind of lottery to have a chance to become a millionaire.

We asked the guys from Holland who will get the money then and what they have to do for it;. It is simple, they replied. To win this $2.000.000,00, you'll need to become the largest advertiser on our site and we'll personally give you $2.000.000,00 (two million dollars). We will do so as soon as our site is filled for 50%!!

On top of this, we'll choose five of our advertisers at random, no matter what size or time they are with us, and reward them each with $100.000,00! Also after the site is filled for 50%! So, in fact, we are giving away $2,500.000,00! Part of that could be yours. All you need to do is buy some pixels on our site!

Walter tells us that he knew their site would become a success and now he predicts this promotion will boost the site in the top five movers and shakers!!' We are here to set records! And we will. This means great exposure for all of our advertisers! We have had people boosting their sales figures mainly by the visitors they get from us!

A great stunt like this will certainly attract oceans of curious and click happy people who will be visiting our site. Who would not want to get $2.000.000,00 in cash from the ten million dollar website? Just for being the largest advertiser on the only TEN million dollar website!

Both guys smile when they say: We'll invite anyone to buy pixels and have a chance to change their lives!
Wow, Even if you would buy advertisement for $1.000.000,00 you'd still gain a full 100%
Remember! Your $100,00 pixel friends placed on our site could mean you gain at least $100.000,00!!!

We are no students, and we are not looking to pay for college. Yet, when the site is successful enough, we would love to pay and we will pay for people who never had college or even seen a school before in their lives. We have made plans when the site reaches a certain level of success, says Janwillem.

Find out more about Walter and Janwillem, W2solutions.info and their www.tenmilliondollarwebsite.com
W2solutions.info will be a Dutch business which offers profit design, profit solutions, web hosting services, consultation services and they endeavor to use own design as well as open source software for client projects wherever possible in order to keep development costs down. We are working very hard to try and get this baby walking. The site will be a great help. We ask anyone to buy our pixels.

Be their largest advertiser and gain $2.000.000,00!

Because bigger is better.


www.tenmilliondollarwebsite.com
Delivered by Superblogsubmitter - blogsubmitter pro - The New Blog Submitter

 
At 10/26/2005 10:08 PM, Anonymous business press said...

Special DNN - BUSINESS NEWS Report For Kevin!

-- FOR IMMEDIATE RELEASE -- PRESS RELEASE DNN - BUSINESS NEWS.
The Ten million dollar pixel website does something NO other ONE million pixel web site can! - The'll Give TWO million dollar away!!
Just recently we reported about The Tenmilliondollarwebsite.com. The site is a copycat of The Million Dollar Homepage by a 21-year-old British entrepreneur Alex Tew. The Ten million dollar is rapidly evolving into the fastest growing 'pixel' web site online. They now offer $2.000.000,00 to the largest advertiser on their site.

THE NETHERLANDS, October, 2005 - The tenmilliondollarwebsite.com takes pixel advertising several big steps further. As you can see on http://tenmilliondollarwebsite.com/blog The site had more than 100,000.00 pageviews in 6 weeks being online!! We now have an Alexa page rank far into the 100.000 says Walter proud. He and Janwillem, two guys from The Netherlands are the owners of the site.

They want to live their dream and start an own (Internet) marketing, hosting and consultant business, using the proceedings of the site... They have without a doubt the most valuable name...

To boost the value of your TROPI (Traffic Return On Pixel Investment we learned) they organized a huge and unique promotion!
Asking about this special promotion, Janwillem says: As said before, we can do something no other million dollar website can do: We are giving away more than $2.000.000,00!!

We will give one of our advertisers $2.000.000,00 ( two million dollars) as soon as our site is filled for 50%! The best thing about it is: Nobody needs to participate in any kind of lottery to have a chance to become a millionaire.

We asked the guys from Holland who will get the money then and what they have to do for it;. It is simple, they replied. To win this $2.000.000,00, you'll need to become the largest advertiser on our site and we'll personally give you $2.000.000,00 (two million dollars). We will do so as soon as our site is filled for 50%!!

On top of this, we'll choose five of our advertisers at random, no matter what size or time they are with us, and reward them each with $100.000,00! Also after the site is filled for 50%! So, in fact, we are giving away $2,500.000,00! Part of that could be yours. All you need to do is buy some pixels on our site!

Walter tells us that he knew their site would become a success and now he predicts this promotion will boost the site in the top five movers and shakers!!' We are here to set records! And we will. This means great exposure for all of our advertisers! We have had people boosting their sales figures mainly by the visitors they get from us!

A great stunt like this will certainly attract oceans of curious and click happy people who will be visiting our site. Who would not want to get $2.000.000,00 in cash from the ten million dollar website? Just for being the largest advertiser on the only TEN million dollar website!

Both guys smile when they say: We'll invite anyone to buy pixels and have a chance to change their lives!
Wow, Even if you would buy advertisement for $1.000.000,00 you'd still gain a full 100%
Remember! Your $100,00 pixel friends placed on our site could mean you gain at least $100.000,00!!!

We are no students, and we are not looking to pay for college. Yet, when the site is successful enough, we would love to pay and we will pay for people who never had college or even seen a school before in their lives. We have made plans when the site reaches a certain level of success, says Janwillem.

Find out more about Walter and Janwillem, W2solutions.info and their www.tenmilliondollarwebsite.com
W2solutions.info will be a Dutch business which offers profit design, profit solutions, web hosting services, consultation services and they endeavor to use own design as well as open source software for client projects wherever possible in order to keep development costs down. We are working very hard to try and get this baby walking. The site will be a great help. We ask anyone to buy our pixels.

Be their largest advertiser and gain $2.000.000,00!

Because bigger is better.


www.tenmilliondollarwebsite.com
Delivered by Superblogsubmitter - blogsubmitter pro - The New Blog Submitter

 
At 11/01/2005 3:42 PM, Anonymous Anonymous said...

RSS Announcer instantly and automatically submits your RSS feeds

 
At 11/02/2005 10:29 AM, Blogger usersanonimos said...

Great blog it really nice. To learn more about blogger visit
blog submitter The best blog submitter

 
At 11/04/2005 8:10 PM, Anonymous Anonymous said...

Get your website seen use our web site promotion by optimization tools to get the word out and take the work out of promotion. Resale rights available. Starting at only $6.99 get 1000's of links to your website http://www.BLGen.net

 
At 11/04/2005 11:50 PM, Anonymous Anonymous said...

the World Wide Web is home to a great number of marketing opportunities that you could avail of,

 
At 11/05/2005 12:59 AM, Blogger Infactahost.com said...

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

I have a exchange koszulki link site/blog. It pretty much covers exchange koszulki link related stuff.

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

 
At 11/06/2005 8:27 AM, Blogger Johnny said...

Every online business need free traffic. This free traffic handbook is very update and helpful.

 
At 11/07/2005 2:45 AM, Anonymous Anonymous said...

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

I have a hurricane safelist site/blog. It pretty much covers hurricane safelist related stuff. Plus you can advertise to billions using our hurricane safelist tools.

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

 
At 11/07/2005 6:43 PM, Anonymous Anonymous said...

High Google and Yahoo link popularity can be yours,

 
At 11/08/2005 11:45 PM, Anonymous Anonymous said...

Hello, I came to 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 web site and bolg about internet marketing strategy so I know I'm talking about when I say your site is top-notch! Keep up the great work, you are providing a great resource on the Internet here!

 
At 11/09/2005 2:04 AM, Anonymous Anonymous said...

Hello, I came to 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 web site and bolg about free internet marketing strategy so I know I'm talking about when I say your site is top-notch! Keep up the great work, you are providing a great resource on the Internet here!

 
At 11/11/2005 2:20 PM, Blogger web design studio said...

An interesting blog here. See web design for professional web design, hosting, and SEO services.

 
At 11/11/2005 4:00 PM, Blogger Web Design Studio said...

Interesting blog here. See site design for professional web design, hosting, and SEO services.

 
At 11/12/2005 10:10 PM, Blogger Infactahost.com said...

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

I have a add exchange link traffic site/blog. It pretty much covers add exchange link traffic related stuff.

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

 
At 11/13/2005 12:27 PM, Anonymous WordPress said...

Did you know that you could easily introduce your own blogger.com blog to wordpress blogs?


Thanks,
WordPress Blog Submitter

 
At 11/14/2005 2:19 AM, Anonymous Anonymous said...

Interesting blog here. See web design studio for professional web design, hosting, and SEO services.

 
At 11/14/2005 2:54 AM, Blogger Web Design Studio said...

Interesting blog here. See web design studio for professional web design, hosting, and SEO services.

 
At 11/14/2005 8:56 AM, Blogger officialloversguide said...

I enjoyed reading your blog. There is a lot of useful information about lowcost web hosting in it. We offer Turnkey Websites and Reliable Hosting. We also provide a blogging service that will help your site get indexed fast and keep the search engines visiting your site. Click here for more information about lowcost web hosting.
Thank you
TWP Admin

 
At 11/14/2005 10:44 AM, Anonymous Anonymous said...

nasty students clip * bitch 20 * fucked ninteen pic * naked ninteen clips * black 21 pics * quality students sucking * stripping 18 dvd * spicy students jpg * full 19teens masturbation * perfect 19 pics * cute student trailer * sweaty 21 jpg * hungarian teenage sekx * undressed 18teens pics * young 19teens sucking * fucked 19 thumbs * brunette 18teens tits * brunette 19teen dvd * steamy teenz freeporn * hottest 21 movies * hottest 18teens thumbnails * exploited 18teen mpg * wet 19 thumbs * cute teenz thumbnail * attractive 18teen pictures * attractive students thumbs * blond 19teens tits * pigtailed students thumb * hott student thumbnails * nude teen orgasm * exposed 18 orgasm * naughty 18 thumbnails * hott teenies dvd * fucked teenz orgy * chicks 21 pic * bitches student * exposed teenies trailer * bitches 19 avi * youngest teenies samples * fucking cheerleaders jpg * hungarian teens gallery * nude cheerleaders vids * extreme teenage galleries * daily 18 freesex * black ninteen thumbs * 18teens blowjob * steamy teens catalog * undressed 18teens samples * nasty teenage avi * rough teens fuck

 
At 11/15/2005 9:03 PM, Anonymous Anonymous said...

Your site is a great tool. I have a web traffic statisticssite. It covers web traffic statistics related things.

 
At 11/17/2005 1:24 PM, Anonymous Anonymous said...

Hello! What at great blog you have going. I'm new to blogging and I am trying to build up my visitors. I blog about marketing communication. I am also offering the eBook "Adsense Empire" to my visitors.... Stop by & get your copy today

 
At 11/20/2005 4:07 AM, Anonymous Anonymous said...

You'll create 1000s of In-bound Links pointing back to your Site

 
At 11/20/2005 4:33 PM, Anonymous Anonymous said...

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

I have a web site design web site promotion software sales site. We sell a lot of Software about##KEYWORD## related stuff. Ia will be sending my customers to your site for more information.

 
At 11/22/2005 2:48 PM, Anonymous Anonymous said...

Hello,

Just thought I would check out your blog.
I am new to blogging. I hope you don't mind me posting to your blog. If you are interested in checking out my blog and making a post that would be great.

I have a hosting web site/blog. It pretty much covers ##WEB HOSTING## related stuff.


Thanks,
Ed

 
At 11/23/2005 11:57 AM, Blogger incbizz said...

Hi Kevin, If you would like to send your ad to the best opportunity seekers please click here Safelist.
http://www.submitterbizz.com
Safelist

 
At 11/26/2005 11:09 AM, Anonymous ftp web hosting said...

Well I just got back from the gym and I am beat. I am currently doing some research on web hosting company for small business and stumbled across your blog. Which cracks me up really. The internet can certainly land you off base sometimes. Even though Michael Yon Live From Mosul is not completely related I think it is a cool blog. I have read back through the archives and lots of people make some very good points. Well I have been on-line forever it seems. I need to continue to plug away at web hosting company for small business. If you have the energy swing by web hosting company for small business. I try to update my site weekly and maybe you will see something you like. I already snagged your URL and put it in my favorites. If you do not mind I will be back again. Great job!

 
At 11/27/2005 8:18 AM, Anonymous web hosting company for small business said...

Well I just got back from the gym and I am beat. I am currently doing some research on lowcost web hosting and stumbled across your blog. Which cracks me up really. The internet can certainly land you off base sometimes. Even though Michael Yon Live From Mosul is not completely related I think it is a cool blog. I have read back through the archives and lots of people make some very good points. Well I have been on-line forever it seems. I need to continue to plug away at lowcost web hosting. If you have the energy swing by lowcost web hosting. I try to update my site weekly and maybe you will see something you like. I already snagged your URL and put it in my favorites. If you do not mind I will be back again. Great job!

 
At 11/30/2005 5:05 AM, Anonymous small business web hosting services said...

Hi Kevin your blog is really great! Wow :-) As I was out blog surfing and surfing the web for detailed info on web hosting company for small business I stumbled across your blog. Obviously my search landed me here and it is a little off subject compared to Michael Yon Live From Mosul, but I am certainly glad I did come across your blog. Did I already tell you I like it! If you would not mind, I would like to add your link to my "favorites" page to come back and read again sometime. Should you ever need it, there's lots of information on this site about web hosting company for small business. Again, great blog and keep up the great work!

 
At 11/30/2005 2:20 PM, Anonymous small business web hosting services said...

All I can say is WOW Kevin. The other half and I just got back from our friends house (well her friends house) and I needed a huge break. I am working on a project right now that is based on commercial web hosting. I have literally been on-line for 2-3 hours doing research. Even though Michael Yon Live From Mosul really isn’t on the same page as commercial web hosting I am certainly glad I came across your blog. There are a ton of great view points on this blog. Well I think I can here the kids screaming in the background. I put you in my internet favorites and I will certainly come back and visit. If you want to take a peek at my site you can find me here at commercial web hosting. I update my site very frequently. Again, great job blogging and I will be back again soon!

 
At 12/02/2005 3:15 AM, Anonymous personal web site hosting said...

I love your blog Kevin. How long has it been on-line? Reason I ask is I am doing a ton of work in the area of calgary web hosting and will probably end up starting a blog of my own. Funny how the internet brought me here when I was doing searches on calgary web hosting. Oh well, I am glad it did. Keep up the great blogging and I am sure I will visit Michael Yon Live From Mosul again!!

 
At 12/02/2005 1:29 PM, Anonymous best web hosting company said...

Hi Kevin your blog is really great! Wow :-) As I was out blog surfing and surfing the web for detailed info on best web hosting company I stumbled across your blog. Obviously my search landed me here and it is a little off subject compared to Michael Yon Live From Mosul, but I am certainly glad I did come across your blog. Did I already tell you I like it! If you would not mind, I would like to add your link to my "favorites" page to come back and read again sometime. Should you ever need it, there's lots of information on this site about best web hosting company. Again, great blog and keep up the great work!

 
At 12/04/2005 2:42 AM, Anonymous personal web site hosting said...

I have been on-line searching for hours for information regarding lowcost web hosting and stumbled across your blog during my journey :-) Kevin your blog is really amazing! Keep up the great work. Obviously my search on lowcost web hosting was way off when compared to Michael Yon Live From Mosul and find it funny how it landed me here. The internet is a funny thing. Anyways, great job on your blogging and keep up the good work! I been searching for lowcost web hosting for over 2 hours and needed a break from it. I started reading your blog and really started getting into it.
P.S I will add you to my favorites so I can come back and visit later
P.S.S If you want to bookmark my site I am at lowcost web hosting. You never know you may find some good deals!

 
At 12/05/2005 2:42 PM, Anonymous web hosting company for small business said...

All I can say is WOW Kevin. The other half and I just got back from our friends house (well her friends house) and I needed a huge break. I am working on a project right now that is based on web hosting company for small business. I have literally been on-line for 2-3 hours doing research. Even though Michael Yon Live From Mosul really isn’t on the same page as web hosting company for small business I am certainly glad I came across your blog. There are a ton of great view points on this blog. Well I think I can here the kids screaming in the background. I put you in my internet favorites and I will certainly come back and visit. If you want to take a peek at my site you can find me here at web hosting company for small business. I update my site very frequently. Again, great job blogging and I will be back again soon!

 
At 12/07/2005 5:02 AM, Anonymous best web hosting company said...

I have been on-line searching for hours for information regarding commercial web hosting and stumbled across your blog during my journey :-) Kevin your blog is really amazing! Keep up the great work. Obviously my search on commercial web hosting was way off when compared to Michael Yon Live From Mosul and find it funny how it landed me here. The internet is a funny thing. Anyways, great job on your blogging and keep up the good work! I been searching for commercial web hosting for over 2 hours and needed a break from it. I started reading your blog and really started getting into it.
P.S I will add you to my favorites so I can come back and visit later
P.S.S If you want to bookmark my site I am at commercial web hosting. You never know you may find some good deals!

 
At 12/08/2005 3:23 AM, Anonymous commercial web hosting said...

What up Kevin! I just finished up a ten hour work day and decided to kick back and do some surfing. So I grabbed myself a drink and stumbled across your blog while doing some research on calgary web hosting for a upcoming project I am doing. Well even though Michael Yon Live From Mosul isn’t what I was looking for I really enjoyed reading your blog. Your doing a great job and please keep up the good work. Lots of people do not keep their blogs up to date :0) There are some very interesting view points stated here. Anyways I am going to grab the bull by the horns and continue to plug away at calgary web hosting. I have already bookmarked your blog. You many want to visit me at calgary web hosting. You never know you might see something you like! Again great job.

 
At 12/08/2005 4:30 PM, Anonymous web space hosting said...

All I can say is WOW Kevin. The other half and I just got back from our friends house (well her friends house) and I needed a huge break. I am working on a project right now that is based on calgary web hosting. I have literally been on-line for 2-3 hours doing research. Even though Michael Yon Live From Mosul really isn’t on the same page as calgary web hosting I am certainly glad I came across your blog. There are a ton of great view points on this blog. Well I think I can here the kids screaming in the background. I put you in my internet favorites and I will certainly come back and visit. If you want to take a peek at my site you can find me here at calgary web hosting. I update my site very frequently. Again, great job blogging and I will be back again soon!

 
At 12/09/2005 1:24 PM, Anonymous web hosting company for small business said...

I love your blog Kevin. How long has it been on-line? Reason I ask is I am doing a ton of work in the area of commercial web hosting and will probably end up starting a blog of my own. Funny how the internet brought me here when I was doing searches on commercial web hosting. Oh well, I am glad it did. Keep up the great blogging and I am sure I will visit Michael Yon Live From Mosul again!!

 
At 12/11/2005 9:47 PM, Anonymous best web hosting company said...

All I can say is WOW Kevin. The other half and I just got back from our friends house (well her friends house) and I needed a huge break. I am working on a project right now that is based on net web hosting. I have literally been on-line for 2-3 hours doing research. Even though Michael Yon Live From Mosul really isn’t on the same page as net web hosting I am certainly glad I came across your blog. There are a ton of great view points on this blog. Well I think I can here the kids screaming in the background. I put you in my internet favorites and I will certainly come back and visit. If you want to take a peek at my site you can find me here at net web hosting. I update my site very frequently. Again, great job blogging and I will be back again soon!

 
At 12/14/2005 2:28 PM, Anonymous lowcost web hosting said...

I love your blog Kevin. How long has it been on-line? Reason I ask is I am doing a ton of work in the area of net web hosting and will probably end up starting a blog of my own. Funny how the internet brought me here when I was doing searches on net web hosting. Oh well, I am glad it did. Keep up the great blogging and I am sure I will visit Michael Yon Live From Mosul again!!

 
At 12/15/2005 11:45 AM, Anonymous commercial web hosting said...

What up Kevin! I just finished up a ten hour work day and decided to kick back and do some surfing. So I grabbed myself a drink and stumbled across your blog while doing some research on net web hosting for a upcoming project I am doing. Well even though Michael Yon Live From Mosul isn’t what I was looking for I really enjoyed reading your blog. Your doing a great job and please keep up the good work. Lots of people do not keep their blogs up to date :0) There are some very interesting view points stated here. Anyways I am going to grab the bull by the horns and continue to plug away at net web hosting. I have already bookmarked your blog. You many want to visit me at net web hosting. You never know you might see something you like! Again great job.

 
At 12/17/2005 1:51 AM, Anonymous web hosting company for small business said...

I love your blog Kevin. How long has it been on-line? Reason I ask is I am doing a ton of work in the area of personal web site hosting and will probably end up starting a blog of my own. Funny how the internet brought me here when I was doing searches on personal web site hosting. Oh well, I am glad it did. Keep up the great blogging and I am sure I will visit Michael Yon Live From Mosul again!!

 
At 12/17/2005 7:26 AM, Blogger Kim said...

My, My. Wonderful post. I like it.

I have a free article submission product site. It is an informative free article submission source.

 
At 12/17/2005 11:38 AM, Blogger SubmitterBizz.com said...

Hi Kevin, If you would like to send your ad to the best opportunity seekers please click here submitter.
http://www.submitterbizz.com
submitter

 
At 12/18/2005 4:41 AM, Blogger Kim said...

I found your blog by mistake. Actually was looking for something else but I like yours.

My marketing montreal viral could help. It is a great marketing montreal viral tool.

 
At 1/08/2006 3:53 PM, Blogger Investment Center said...

Hi, Thanks for your interesting blog. Keep up the great work! I also have a site & blog about grant for investing in real estate
, please feel free to visit.

 
At 1/09/2006 8:22 AM, Anonymous Anonymous said...

Hello Friend! 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 also have a web site & blog about yahoo file hosting so I know I'm talking
about when I say yours is top-notch! Keep up the
great work, you are providing a great resource on the Internet here!
If you have a moment, please visit my site yahoo file hosting
Best success!

 
At 1/10/2006 10:46 AM, Blogger Joe Berenguer said...

Hi, Fellow! I like your blog!
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 yahoo hosting
site. It pretty much covers yahoo hosting related subjects.
Come and check it out if you get time :-)
Best regards!

 
At 1/13/2006 3:48 AM, Blogger SubmitterBizz.com said...

Hi Kevin, If you would like to send your ad to the best opportunity seekers please click here Safelist Submitter.
http://www.submitterbizz.com
Safelist Submitter

 
At 1/17/2006 4:35 PM, Blogger Paul Adams 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:
web site hosting directory
It pretty much covers web site hosting directory related issues.
Have a good day!

 
At 1/18/2006 2:41 PM, Blogger Paul Adams 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:
web site hosting cheap
It pretty much covers web site hosting cheap related issues.
Have a good day!

 
At 1/20/2006 7:58 AM, Blogger thomas said...

I really must say this is one of the most beneficial blogs I have ever come across. I am not just saying that to kiss up to you! I am doing a research paper for my master degrees and spent the last 10 hours (and 12 cups of coffee) researching this area topic. So many blogs have generic information but yours is different. I can actually apply some of this information to my works. No worries I will give you credit in my references. I took it upon myself to put you in my favorites and will visit back to let you know how my grade ends up. Many thanks!100 best web hosting.

 
At 2/01/2006 4:38 PM, Anonymous free said...

thanks
free nude teens

 
At 2/03/2006 7:43 AM, Anonymous private label rights said...

Now that is food for thought!

Strangely intriguing...

Keep it up :)

PS: I'm making a killing with private label rights ... find out how you can get extra income from private label rights

 
At 2/04/2006 3:03 AM, Blogger Joe Berenguer said...

Hi Fellow! I was just searching blogs,and I found your site! I like it!
If you have a moment, please visit my site:
web hosting web space provider
It covers web hosting web space provider related contents.
All the best!

 
At 2/14/2006 6:00 AM, Anonymous company web site hosting said...

Just blogging for a while, my site is also about company web site hosting, so just saying hi.

Charles

 
At 2/15/2006 11:15 PM, Anonymous Anonymous said...

Understanding that the internet is another vehicle for direct response marketing which can potentially make you rich!! true. But not many people actually get it.
Link to this site: internet marketing online advertising
http://www.internet-marketingzone.info

 
At 2/17/2006 6:23 PM, Anonymous dedicated servers said...

Just blogging for a while, my site is also about dedicated servers, so just saying what's up.

Charles

 
At 2/20/2006 10:26 PM, Anonymous custom web site design said...

This was very informative.


Thanks

custom web site design

 
At 2/22/2006 12:24 PM, Anonymous custom website desginers said...

Nice , this was cool.

Thanks

custom website desginers

 
At 2/24/2006 5:40 PM, Anonymous custom web site design said...

I found this blog very informative.

Thanks

custom web site design

 
At 2/26/2006 4:51 PM, Anonymous BLOG SUBMITTER said...

Want top search engine ranking? try my software Free BLOG SUBMITTER check it out.

 
At 2/27/2006 2:46 PM, Anonymous ADVERTISING said...

Want top search engine ranking? try my software Free ADVERTISING check it out.

 
At 3/05/2006 8:10 PM, Anonymous work opportunities said...

I'm not sure how I got here but am glad I came across your blog. Thx.

Steve@
http://www.lifeincome.org

 
At 3/08/2006 12:55 PM, Anonymous Anonymous said...

Pleasing blog. Thanks!
http://www.1st-choice-4-website-traffic.com
Searching blogs for guide traffic.

 
At 3/09/2006 12:45 AM, Anonymous Anonymous said...

Choice blog. Thanks. Want more
from you. Will come again. Used
search word pet traffic.
http://www.1st-choice-4-website-traffic.com
pet traffic

 
At 3/12/2006 12:24 PM, Blogger Jason said...

Hello! This is a great blog. I just got back home from shopping with the wife and the kids and decided to log on and do some web surfing.(needed a break if you know what I mean) I came across your blog and really enjoyed it. Not many people keep their blogs up to date and most of the blogs I do fine are not even relevant to the blog topic. I bookmarked your blog for future reference.
Anyways keep up the great work and if you don�t mind I will forward your blog off to a few of my buddies. Thanks a bunch!best ecommerce web hosting

 
At 3/12/2006 4:43 PM, Blogger Rachel said...

I really must say this is the best blog I have ever come across in a very long time. I am not just saying that either! I am studying for my associates degrees and spent the last 5 hours (and 12 cups of java) researching this area topic. Many blogs have very generic information but yours is very different. I can actually apply some of this information to my associate studies. No worries I will give you full credit in my references section.(I will even give you a link in my blog!) I took it upon myself to add you to my favorites and will visit back to let you know how my grade ends up. Thanks so much from!web hosting bandwidth best.

 
At 3/24/2006 1:16 AM, Anonymous promotion said...

Cool Blog Here! I have a pixel web site If want to promote your web site on my http://www.pixelhurricane.com website the cost is $497.00 for a 100 block of pixels but it will get your site listed in the top of the search engines. promotion

 
At 3/24/2006 5:32 AM, Anonymous Scott Arthur 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 3/29/2006 1:17 AM, Blogger bleeder said...

All I can say AWESOME blog! The other half and I just got back from Home Depot and I needed a huge break. I am working on a project right now that is based on best host hosting site site web web. I have literally been on-line for 4-5 hours doing research. Even though your blog really isn�t on the same page as best host hosting site site web web I am certainly glad I came across your blog. There are a ton of great view points on this blog. Well I think I can here the kids calling in the background. I put you in my web favorites and I will certainly come back and visit. If you want to take a peek at my site you can find me here at best host hosting site site web web. I update my site very frequently.(as time permits!) Again, awesome job blogging and I will be back again soon!

 
At 3/30/2006 2:09 AM, Blogger answer-man said...

enjoyed the subject matter on your blog. I have some super great shopping malls to share please take a moment to see which one you like the best.
www.Christmas-Mall-Online.com
www.ShopBeachCity.com
www.American-Shopping-Mall.com
www.tshirtapperal.com
www.biblemediadvd.com
www.bibledvdonine.com
www.handbagexpress.com
www.vegastours.com
www.satellie-dish-network-tv-movies.com
Be sure and take advantage of the great values available. Enjoy!

 
At 4/10/2006 6:00 AM, Blogger Paul88888 said...

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

 
At 4/10/2006 5:45 PM, Anonymous Anonymous said...

I was searching blogsites on Google and came across yours. Very cool keep up the good work.

From http://www.small-business-web-design.ssr.be my web site is about ecommerce web site design

 
At 4/11/2006 8:00 AM, Anonymous web host said...

I enjoyed reading through your blog.

I've searched and searched for the best hosts. It's tough to find the best ones. I finally found a couple reliable and inexpensive webhosts here. I have a couple unlimited domain accounts I've been using for some time with much success. Let me know what you think.

Rob

 
At 4/23/2006 11:30 PM, Blogger Advertising Center said...

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

I have a internet banner advertising
site/blog. It pretty much covers internet banner advertising
related stuff.

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

 
At 5/02/2006 11:04 PM, Anonymous Anonymous said...

Hi ##name##, I've been working with different work at home businesses for 5 yearshome worklooking for something to keep me at home and be my own boss. All help is appreciatedhome work

 
At 5/03/2006 4:56 AM, Blogger Joe Berenguer said...

Hi Fellow! I was just searching blogs,and I found your site! I like it!
If you have a moment, please visit my site:
domain names center
It covers domain names center related contents.
All the best!

 
At 5/03/2006 8:05 AM, Anonymous Anonymous said...

Hi ##name##, I've been working with different work at home businesses for 5 yearsbased business home opportunity worklooking for something to keep me at home and be my own boss. All help is appreciatedbased business home opportunity work

 
At 5/03/2006 8:19 AM, Anonymous Anonymous said...

Hi ##name##, I've been working with different work at home businesses for 5 yearshome worklooking for something to keep me at home and be my own boss. All help is appreciatedhome work

 
At 5/06/2006 12:42 PM, Blogger Scott A. Edwards said...

Are you tired of getting nice compliments on your blog, when really you're not makeng the kind of money that you deserve? Now you can join a completely FREE program. No buying and No selling. FREE to join. All you do is refer customers. To get started fast, click here: global online systems site. It pretty much covers global online systems related stuff and it's FREE to join.

 
At 5/12/2006 9:23 PM, Anonymous private label rights said...

I don't know if you've noticed, but the competition amongst resell rights providers has become dog eat dog.

It's a huge market, but you end up competing against the big dogs every time.

The solution, in my opinion, is in private label and source code rights.

Simply put, these are the groundwork for creating your own products and services which you are then the sole owner of.

With private labels you get to brand your own identity and all the sudden you are no longer competing with hundreds or even thousands of people to sell the same old products.

If you want to learn more about how to put yourself ahead of the pack with ease then check out this great provider...

private label rights

 
At 5/13/2006 2:42 PM, Anonymous private label rights said...

I don't know if you've noticed, but the competition amongst resell rights providers has become dog eat dog.

It's a huge market, but you end up competing against the big dogs every time.

The solution, in my opinion, is in private label and source code rights.

Simply put, these are the groundwork for creating your own products and services which you are then the sole owner of.

With private labels you get to brand your own identity and all the sudden you are no longer competing with hundreds or even thousands of people to sell the same old products.

If you want to learn more about how to put yourself ahead of the pack with ease then check out this great provider...

private label rights

 
At 5/15/2006 12:36 AM, Blogger Paul Adams said...

Hi, Fellow!I like your blog!
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 domain names center
site. It pretty much covers domain names center related subjects.
Come and check it out if you get time :-)
Best regards!

 
At 5/16/2006 4:31 AM, Blogger Joe Berenguer 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:
domain names center
It covers domain names center related contents.
I send you warm regards and wish you continued success.

 
At 5/17/2006 1:57 AM, Anonymous Anonymous said...

Hi ##name##, I've been working with different work at home businesses for 5 yearsbusiness home opportunity worklooking for something to keep me at home and be my own boss. All help is appreciatedbusiness home opportunity work

 
At 5/19/2006 10:32 AM, Anonymous custom web design said...

for custom web design solutions Please visit custom web design

Thanks

 
At 5/23/2006 1:22 PM, Anonymous Anonymous said...

Nice blog and info. Keep up the good work.

I have a site that you are welcome to see at http://passion.sitesell.com/web-sales22.html it is about hobbies

 
At 5/28/2006 2:54 AM, Blogger James Baker 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 5/30/2006 3:33 AM, Blogger Paul Adams said...

Hi, Fellow!I like your blog!
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 domain names center
site. It pretty much covers domain names center related subjects.
Come and check it out if you get time :-)
Best regards!

 
At 5/30/2006 3:33 AM, Blogger Paul Adams said...

Hi, Fellow!I like your blog!
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 domain names center
site. It pretty much covers domain names center related subjects.
Come and check it out if you get time :-)
Best regards!

 
At 6/03/2006 8:37 AM, Blogger Joe Berenguer said...

Hi Blogger!I like your blog! Keep up the
good work, you are providing a great resource on the Internet here!
If you have a moment, please take a look at my site:
make money
It pretty much covers make money related issues.
Best regards!

 
At 6/03/2006 10:41 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 6/10/2006 7:47 AM, Blogger Chris Moonbeams said...

Greetings, I was reading some blogs and came across your blog. I really enjoy how it makes such good reading.

I'll come by again.

Regards,

us internet marketing ideas

 
At 6/14/2006 1:56 PM, 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:
make money
It covers make money related contents.
All the best!

 
At 6/14/2006 8:30 PM, Blogger James Baker said...

Congratulations Friend for your excellent blog on make money!Keep up the good work!
If you have a moment, please visit my site:
make money
I send you my warm regards and wish you continued success.
Have a nice day! :-)

 
At 6/18/2006 5:12 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 6/18/2006 5:12 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 6/18/2006 10:44 AM, Blogger James Baker 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 6/18/2006 10:44 AM, Blogger James Baker 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 6/20/2006 3:45 AM, Blogger Joe Berenguer said...

Hi Blogger!I like your blog! Keep up the
good work, you are providing a great resource on the Internet here!
If you have a moment, please take a look at my site:
make money
It pretty much covers make money related issues.
Best regards!

 
At 6/20/2006 9:22 AM, Blogger James Baker said...

Hi Blogger! I like your blog! Keep up the
good work, you are providing a great resource on the Internet here!
If you have a moment, please take a look at my site:
domain names
It pretty much covers domain names related issues.
Best regards!

 
At 6/20/2006 2:51 PM, Blogger Joe Berenguer said...

Hi, Fellow!I like your blog!
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 make money
site. It pretty much covers make money related subjects.
Come and check it out if you get time :-)
Best regards!

 
At 6/21/2006 7:58 PM, Blogger Paul Adams 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:
make money
It covers make money related contents.
All the best!

 
At 6/24/2006 7:11 AM, Anonymous make money said...

Hi Blogger!I like your blog! Keep up the
good work, you are providing a great resource on the Internet here!
If you have a moment, please take a look at my site:
make money
It pretty much covers make money related issues.
Best regards!

 
At 6/24/2006 1:02 PM, Anonymous domain names said...

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

 
At 6/24/2006 1:52 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 6/26/2006 3:21 PM, Anonymous real ways to make money said...

Hey Fellow, you have a top-notch blog here!
If you have a moment, please have a look at my real ways to make money site.
Good luck!

 
At 6/27/2006 9:29 AM, Anonymous really make money online 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 really make money online site.
Come and check it out if you get time :-)
Best regards!

 
At 7/02/2006 2:35 PM, Anonymous online marketing home based business said...

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

 
At 7/06/2006 12:40 AM, Blogger Kate said...

I found this blog when looking for site targeted traffic web and I think it is very nice.
Regards, Website Traffic Info

 
At 7/15/2006 5:29 PM, Anonymous make money without effort 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 make money without effort
site.
Come and check it out if you get time :-)
Best regards!

 
At 7/17/2006 1:42 PM, Anonymous make money with website 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 make money with website
site.
Come and check it out if you get time :-)
Best regards!

 
At 7/20/2006 4:12 AM, Anonymous Anonymous said...

Debt Consolidation
Debt Help 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 7/20/2006 6:30 AM, Anonymous barbados job vacancies said...

This is an excellent blog. Keep it going.You are providing
a great resource on the Internet here!
If you have a moment, please take a look at my barbados job vacancies site.
Have a great week!

 
At 7/28/2006 3:28 PM, Anonymous Anonymous said...

Add link site traffic web Hi, I really like your Add link site traffic web blog. I learned a lot about Add link site traffic web . I've found a web site on

Add link site traffic web that you could use to your advantage. Why don't you take a look here Add link site traffic web
Thanks for visiting. Talk to you later.

 
At 8/13/2006 1:07 AM, Anonymous make money taking survey said...

Hello Friend! 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.
Keep up the great work, you are providing a great resource on the Internet here!
If you have a moment, please make a visit to my make money taking survey site.
Good luck in your endeavors!

 
At 9/04/2006 7:30 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 9/06/2006 8:13 PM, Anonymous Anonymous said...

Debt Consolidation
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
Debt Consolidation
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 9/07/2006 4:26 AM, 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 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 11/26/2006 5:57 PM, Blogger Earn A LifeTime of Income From Anywhere! said...

Thanks for the info. Visit us at Helping You Safelist

 
At 2/19/2007 12:47 AM, Anonymous Anonymous said...

Great blog....now...ADVICE TIME!! - If you need more best site traffic web then congratulations I've come to the right place, try best site traffic web - this is the best place online to get massive volumes of internet traffic back to your blog for blog publicity purposes. Within a week I had trippled my volume of traffic - Signup is free and before you know it you will flying up the Google search egine - guaranteed!! - Signup is free you have nothing to lose. Best of luck with it and continued success with your blog!!

 
At 2/25/2007 2:11 PM, Anonymous Anonymous said...

convention event planning services

 
At 2/28/2007 4:08 PM, Blogger Kurt A. Tasche said...

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

 
At 3/01/2007 8:08 AM, Anonymous Anonymous said...

http://www.adquity.com

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

http://www.adquity.com

 
At 3/07/2007 5:41 PM, Anonymous Anonymous said...

free gay personal ads

 
At 9/24/2007 12:34 PM, Anonymous Anonymous said...

If your credit card uses different rates for purchases, transfers, and cash advances, realize that the card issuer may pay the lower interest rate balance first. Consequently, if you carry a balance, your high-rate cash advance may not be "paid" until all lower-rate balances are paid in full.
Fixed-Rate credit cards are not fixed forever. Rates can be changed at any time, as long as the card issuer provides 15 days advance notice of the change in terms. Fees may also increase. These "Change in Terms" notices are usually included with your monthly statement.
Your interest rate may dramatically increase if you make late payments. For example, some issuers will raise your interest rate to the maximum after one or two late payments. Consequently, your 12% credit card could quickly turn into a 25% credit card.
Your credit card issuer may also raise your interest rate after conducting a routine credit report review. If your overall credit history has deteriorated, the issuer may raise your interest rate, even though you've never made a late payment on the card in question.
The 25 day grace period only applies when you pay-off your entire balance due each month. If you only pay the minimum payment, interest is immediately accrued from the moment you charge something to your credit card. Some companies are also shortening the grace period to 20 days, and some cards have no grace periods.
Ignore offers to reduce or skip payments. These options are frequently offered over the holidays. When you skip a payment, the loan continues to accrue interest; therefore, these offers simply increase the overall interest and finance charges that the creditor collects. On a similar note, beware of offers of no payment/no interest for a period of time. Furniture stores, jewelry stores, and electronics stores frequently offer these programs. For example, no payment/no interest for 12 months!! This can be a good offer, but once again, read the fine print. Make sure you know the details of the program. Generally, you need to pay off the entire balance before the end of the "free" period to receive the benefit. Otherwise, you will probably have to pay interest on the entire balance from the date of your purchase

 
At 10/22/2007 3:06 AM, Anonymous Anonymous said...

Having trouble paying your bills? Getting dunning notices from creditors? Are your accounts being turned over to debt collectors? Are you worried about losing your home or your car?

You’re not alone. Many people face a financial crisis some time in their lives. Whether the crisis is caused by personal or family illness, the loss of a job, or overspending, it can seem overwhelming. But often, it can be overcome. Your financial situation doesn’t have to go from bad to worse.

If you or someone you know is in financial hot water, consider these options: realistic budgeting, credit counseling from a reputable organization, debt consolidation, or bankruptcy. Debt negotiation is yet another option. How do you know which will work best for you? It depends on your level of debt, your level of discipline, and your prospects for the future.

Self-Help
Developing a Budget: The first step toward taking control of your financial situation is to do a realistic assessment of how much money you take in and how much money you spend. Start by listing your income from all sources. Then, list your “fixed” expenses — those that are the same each month — like mortgage payments or rent, car payments, and insurance premiums. Next, list the expenses that vary — like entertainment, recreation, and clothing. Writing down all your expenses, even those that seem insignificant, is a helpful way to track your spending patterns, identify necessary expenses, and prioritize the rest. The goal is to make sure you can make ends meet on the basics: housing, food, health care, insurance, and education.

Your public library and bookstores have information about budgeting and money management techniques. In addition, computer software programs can be useful tools for developing and maintaining a budget, balancing your checkbook, and creating plans to save money and pay down your debt.

Contacting Your Creditors: Contact your creditors immediately if you’re having trouble making ends meet. Tell them why it’s difficult for you, and try to work out a modified payment plan that reduces your payments to a more manageable level. Don’t wait until your accounts have been turned over to a debt collector. At that point, your creditors have given up on you.
Dealing with Debt Collectors: The Fair Debt Collection Practices Act is the federal law that dictates how and when a debt collector may contact you. A debt collector may not call you before 8 a.m., after 9 p.m., or while you’re at work if the collector knows that your employer doesn’t approve of the calls. Collectors may not harass you, lie, or use unfair practices when they try to collect a debt. And they must honor a written request from you to stop further contact.

Managing Your Auto and Home Loans: Your debts can be unsecured or secured. Secured debts usually are tied to an asset, like your car for a car loan, or your house for a mortgage. If you stop making payments, lenders can repossess your car or foreclose on your house. Unsecured debts are not tied to any asset, and include most credit card debt, bills for medical care, signature loans, and debts for other types of services.

Most automobile financing agreements allow a creditor to repossess your car any time you’re in default. No notice is required. If your car is repossessed, you may have to pay the balance due on the loan, as well as towing and storage costs, to get it back. If you can’t do this, the creditor may sell the car. If you see default approaching, you may be better off selling the car yourself and paying off the debt: You’ll avoid the added costs of repossession and a negative entry on your credit report.

If you fall behind on your mortgage, contact your lender immediately to avoid foreclosure. Most lenders are willing to work with you if they believe you’re acting in good faith and the situation is temporary. Some lenders may reduce or suspend your payments for a short time. When you resume regular payments, though, you may have to pay an additional amount toward the past due total. Other lenders may agree to change the terms of the mortgage by extending the repayment period to reduce the monthly debt. Ask whether additional fees would be assessed for these changes, and calculate how much they total in the long term.

If you and your lender cannot work out a plan, contact a housing counseling agency. Some agencies limit their counseling services to homeowners with FHA mortgages, but many offer free help to any homeowner who’s having trouble making mortgage payments. Call the local office of the Department of Housing and Urban Development or the housing authority in your state, city, or county for help in finding a legitimate housing counseling agency near you

Credit Counseling and Debt Management Plans
Credit Counseling: If you’re not disciplined enough to create a workable budget and stick to it, can’t work out a repayment plan with your creditors, or can’t keep track of mounting bills, consider contacting a credit counseling organization. Many credit counseling organizations are nonprofit and work with you to solve your financial problems. But be aware that, just because an organization says it’s “nonprofit,” there’s no guarantee that its services are free, affordable, or even legitimate. In fact, some credit counseling organizations charge high fees, which may be hidden, or urge consumers to make “voluntary” contributions that can cause more debt.

Most credit counselors offer services through local offices, the Internet, or on the telephone. If possible, find an organization that offers in-person counseling. Many universities, military bases, credit unions, housing authorities, and branches of the U.S. Cooperative Extension Service operate nonprofit credit counseling programs. Your financial institution, local consumer protection agency, and friends and family also may be good sources of information and referrals.

Reputable credit counseling organizations can advise you on managing your money and debts, help you develop a budget, and offer free educational materials and workshops. Their counselors are certified and trained in the areas of consumer credit, money and debt management, and budgeting. Counselors discuss your entire financial situation with you, and help you develop a personalized plan to solve your money problems. An initial counseling session typically lasts an hour, with an offer of follow-up sessions.

Debt Management Plans: If your financial problems stem from too much debt or your inability to repay your debts, a credit counseling agency may recommend that you enroll in a debt management plan (DMP). A DMP alone is not credit counseling, and DMPs are not for everyone. You should sign up for one of these plans only after a certified credit counselor has spent time thoroughly reviewing your financial situation, and has offered you customized advice on managing your money. Even if a DMP is appropriate for you, a reputable credit counseling organization still can help you create a budget and teach you money management skills.

In a DMP, you deposit money each month with the credit counseling organization, which uses your deposits to pay your unsecured debts, like your credit card bills, student loans, and medical bills, according to a payment schedule the counselor develops with you and your creditors. Your creditors may agree to lower your interest rates or waive certain fees, but check with all your creditors to be sure they offer the concessions that a credit counseling organization describes to you. A successful DMP requires you to make regular, timely payments, and could take 48 months or more to complete. Ask the credit counselor to estimate how long it will take for you to complete the plan. You may have to agree not to apply for — or use — any additional credit while you’re participating in the plan.

Protect Yourself
Be wary of credit counseling organizations that:

charge high up-front or monthly fees for enrolling in credit counseling or a DMP.

pressure you to make “voluntary contributions,” another name for fees.

won’t send you free information about the services they provide without requiring you to provide personal financial information, such as credit card account numbers, and balances.

try to enroll you in a DMP without spending time reviewing your financial situation.

offer to enroll you in a DMP without teaching you budgeting and money management skills.

demand that you make payments into a DMP before your creditors have accepted you into the program.

Debt Consolidation
You may be able to lower your cost of credit by consolidating your debt through a second mortgage or a home equity line of credit. Remember that these loans require you to put up your home as collateral. If you can’t make the payments — or if your payments are late — you could lose your home.

What’s more, the costs of consolidation loans can add up. In addition to interest on the loans, you may have to pay “points,” with one point equal to one percent of the amount you borrow. Still, these loans may provide certain tax advantages that are not available with other kinds of credit.

Bankruptcy
Personal bankruptcy generally is considered the debt management option of last resort because the results are long-lasting and far reaching. People who follow the bankruptcy rules receive a discharge — a court order that says they don’t have to repay certain debts. However, bankruptcy information (both the date of your filing and the later date of discharge) stay on your credit report for 10 years, and can make it difficult to obtain credit, buy a home, get life insurance, or sometimes get a job. Still, bankruptcy is a legal procedure that offers a fresh start for people who have gotten into financial difficulty and can’t satisfy their debts.

There are two primary types of personal bankruptcy: Chapter 13 and Chapter 7. Each must be filed in federal bankruptcy court. As of April 2006, the filing fees run about $274 for Chapter 13 and $299 for Chapter 7. Attorney fees are additional and can vary.

Effective October 2005, Congress made sweeping changes to the bankruptcy laws. The net effect of these changes is to give consumers more incentive to seek bankruptcy relief under Chapter 13 rather than Chapter 7. Chapter 13 allows people with a steady income to keep property, like a mortgaged house or a car, that they might otherwise lose through the bankruptcy process. In Chapter 13, the court approves a repayment plan that allows you to use your future income to pay off your debts during a three-to-five-year period, rather than surrender any property. After you have made all the payments under the plan, you receive a discharge of your debts.

Chapter 7 is known as straight bankruptcy, and involves liquidation of all assets that are not exempt. Exempt property may include automobiles, work-related tools, and basic household furnishings. Some of your property may be sold by a court-appointed official — a trustee — or turned over to your creditors. The new bankruptcy laws have changed the time period during which you can receive a discharge through Chapter 7. You now must wait 8 years after receiving a discharge in Chapter 7 before you can file again under that chapter. The Chapter 13 waiting period is much shorter and can be as little as two years between filings.

Both types of bankruptcy may get rid of unsecured debts and stop foreclosures, repossessions, garnishments and utility shut-offs, and debt collection activities. Both also provide exemptions that allow people to keep certain assets, although exemption amounts vary by state. Note that personal bankruptcy usually does not erase child support, alimony, fines, taxes, and some student loan obligations. And, unless you have an acceptable plan to catch up on your debt under Chapter 13, bankruptcy usually does not allow you to keep property when your creditor has an unpaid mortgage or security lien on it.
Another major change to the bankruptcy laws involves certain hurdles that a consumer must clear before even filing for bankruptcy, no matter what the chapter. You must get credit counseling from a government-approved organization within six months before you file for any bankruptcy relief. You can find a state-by-state list of government-approved organizations at www.usdoj.gov/ust. That is the website of the U.S. Trustee Program, the organization within the U.S. Department of Justice that supervises bankruptcy cases and trustees. Also, before you file a Chapter 7 bankruptcy case, you must satisfy a “means test.” This test requires you to confirm that your income does not exceed a certain amount. The amount varies by state and is publicized by the U.S. Trustee Program at www.usdoj.gov/ust.

Debt Negotiation Programs
Debt negotiation differs greatly from credit counseling and DMPs. It can be very risky, and have a long term negative impact on your credit report and, in turn, your ability to get credit. That’s why many states have laws regulating debt negotiation companies and the services they offer. Contact your state Attorney General for more information.

The Claims
Debt negotiation firms may claim they’re nonprofit. They also may claim that they can arrange for your unsecured debt — typically credit card debt — to be paid off for anywhere from 10 to 50 percent of the balance owed. For example, if you owe $10,000 on a credit card, a debt negotiation firm may claim it can arrange for you to pay it off with a lesser amount, say $4,000.
The firms often pitch their services as an alternative to bankruptcy. They may claim that using their services will have little or no negative impact on your ability to get credit in the future, or that any negative information can be removed from your credit report when you complete their debt negotiation program. The firms usually tell you to stop making payments to your creditors, and instead, send payments to the debt negotiation company. The firm may promise to hold your funds in a special account and pay your creditors on your behalf.

The Truth
Just because a debt negotiation company describes itself as a “nonprofit” organization, there’s no guarantee that the services they offer are legitimate. There also is no guarantee that a creditor will accept partial payment of a legitimate debt. In fact, if you stop making payments on a credit card, late fees and interest usually are added to the debt each month. If you exceed your credit limit, additional fees and charges also can be added. This can cause your original debt to double or triple. What’s more, most debt negotiation companies charge consumers substantial fees for their services, including a fee to establish the account with the debt negotiator, a monthly service fee, and a final fee of a percentage of the money you’ve supposedly saved.
While creditors have no obligation to agree to negotiate the amount a consumer owes, they have a legal obligation to provide accurate information to the credit reporting agencies, including your failure to make monthly payments. That can result in a negative entry on your credit report. And in certain situations, creditors may have the right to sue you to recover the money you owe. In some instances, when creditors win a lawsuit, they have the right to garnish your wages or put a lien on your home. Finally, the Internal Revenue Service may consider any amount of forgiven debt to be taxable income.

Damage Control
Turning to a business that offers help in solving debt problems may seem like a reasonable solution when your bills become unmanageable. But before you do business with any company, check it out with your state Attorney General, local consumer protection agency, and the Better Business Bureau. They can tell you if any consumer complaints are on file about the firm you’re considering doing business with. Ask your state Attorney General if the company is required to be licensed to work in your state and, if so, whether it is.

Some businesses that offer to help you with your debt problems may charge high fees and fail to follow through on the services they sell. Others may misrepresent the terms of a debt consolidation loan, failing to explain certain costs or mention that you’re signing over your home as collateral. Businesses advertising voluntary debt reorganization plans may not explain that the plan is a bankruptcy filing, tell you everything that’s involved, or help you through what can be a long and complex process.

In addition, some companies guarantee you a loan if you pay a fee in advance. The fee may range from $100 to several hundred dollars. Resist the temptation to follow up on these advance-fee loan guarantees. They may be illegal. It is true that many legitimate creditors offer extensions of credit through telemarketing and require an application or appraisal fee in advance. But legitimate creditors never guarantee that the consumer will get the loan — or even represent that a loan is likely. Under the federal Telemarketing Sales Rule, a seller or tele-marketer who guarantees or represents a high likelihood of your getting a loan or some other extension of credit may not ask for or accept payment until you’ve received the loan.

You should be cautious of claims from so-called credit repair clinics. Many companies appeal to consumers with poor credit histories, promising to clean up credit reports for a fee. But you already have the right to have any inaccurate information in your file corrected. And a credit repair clinic cannot have accurate information removed from your credit report, despite their promises. You also should know that federal and some state laws prohibit these companies from charging you for their services until the services are fully performed. Only time and a conscientious effort to repay your debts will improve your credit report.

If you’re thinking about getting help to stabilize your financial situation, do some homework first. Find out what services a business provides and what it costs, and don’t rely on verbal promises. Get everything in writing, and read your contracts carefully.

 
At 3/27/2009 7:12 PM, Anonymous Anonymous said...

Article I, Section 8, of the United States Constitution authorizes Congress to enact "uniform Laws on the subject of Bankruptcies ." Under this grant of authority, Congress enacted the Bankruptcy Code" in 1978. The Bankruptcy Code, which is codified as title 11 of the United States Code, has been amended several times since its enactment. It is the uniform federal law that governs all bankruptcy cases.The procedural aspects of the bankruptcy process are governed by the Federal Rules of Bankruptcy Procedure (often called the Bankruptcy Rules") and local rules of each bankruptcy court. The Bankruptcy Rules contain a set of official forms for use in bankruptcy cases. The Bankruptcy Code and Bankruptcy Rules (and local rules) set forth the formal legal procedures for dealing with the debt problems of individuals and businesses. There is a bankruptcy court for each judicial district in the country. Each state has one or more districts. There are 90 bankruptcy districts across the country. The bankruptcy courts generally have their own clerk's offices.The court official with decision-making power over federal bankruptcy cases is the United States bankruptcy judge, a judicial officer of the United States district court. The bankruptcy judge may decide any matter connected with a bankruptcy case, such as eligibility to file or whether a debtor should receive a discharge of debts. Much of the bankruptcy process is administrative, however, and is conducted away from the courthouse. In cases under chapters 7, 12, or 13, and sometimes in chapter 11 cases, this administrative process is carried out by a trustee who is appointed to oversee the case. A debtor's involvement with the bankruptcy judge is usually very limited. A typical chapter 7 debtor will not appear in court and will not see the bankruptcy judge unless an objection is raised in the case. A chapter 13 debtor may only have to appear before the bankruptcy judge at a plan confirmation hearing. Usually, the only formal proceeding at which a debtor must appear is the meeting of creditors, which is usually held at the offices of the U.S. trustee. This meeting is informally called a "341 meeting" because section 341 of the Bankruptcy Code requires that the debtor attend this meeting so that creditors can question the debtor about debts and property.A fundamental goal of the federal bankruptcy laws enacted by Congress is to give debtors a financial "fresh start" from burdensome debts. The Supreme Court made this point about the purpose of the bankruptcy law in a 1934 decision:

 
At 4/18/2009 7:52 PM, 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 4/30/2009 7:54 PM, 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.
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 2/21/2013 6:09 PM, Anonymous Anonymous said...

Lіnk exchаnge is nothing еlse howeνer it is juѕt рlacing
the othеr person's web site link on your page at suitable place and other person will also do similar for you.

Here is my site: hcgdiet24.com

 
At 3/10/2013 6:18 PM, Anonymous Anonymous said...

Some advertising networks require that publishers are at least 18 years of age
to join them. It is therefore important that you establish certain 'habits'
early on when blogging to make your site more appealing. With the increase in only
business and blogs amazing popularity it has allowed a union where business blogs have been formed as a
way to raise productivity online.

My web-site :: Blogging tips

 
At 3/11/2013 7:15 PM, Anonymous Anonymous said...

http://www.cafb29b24.org/docs/buyativan/#36489 ativan overdose coma - ativan vs xanax for flying

 
At 3/12/2013 10:53 AM, Anonymous Anonymous said...

Hi to evеry boԁy, it's my first visit of this weblog; this webpage includes remarkable and truly fine information in support of readers.

Feel free to surf to my website: diet programs comparisons

 
At 3/14/2013 3:59 AM, Anonymous Anonymous said...

valium online generic valium 10mg - much does 1 valium cost

 
At 3/23/2013 2:30 AM, Anonymous Anonymous said...

Its as easy as pie''when you have a group of
programmers diligently working like all get out day and night
trying to discover exactly how Microsoft generates their activation codes.
The best time to visit the Microsoft website is when there happens to be an event
that touches on gaming such as the launch of an
entirely new game. The points do come pretty fast but you
do need to work to get your points.

Look at my homepage :: free xbox live

 
At 3/27/2013 6:31 AM, Anonymous Anonymous said...

Combined with other stimulants, sample pure and organic Triactol Healthy
diet. However, when done, is shredded, never sliced, then sauced,
and almost a set up good enough to say someone is infected with HIV
has never been easier. The giant online retailers give the best products for
weight loss.

my website: cream breast

 
At 3/27/2013 11:05 PM, Anonymous Anonymous said...

My Personal Fat Loss Factor Work? Check it out, we do 20%. african mango extract has simply allowed people to hold their hands in cold water. Halt for a while, we get these signals from corporate marketing and advertising tool. Food and Drug Administration FDA. I was making plans to go on the Internet, claiming to offer african mango at bargain-basement prices. The stick is topped with a small bit of frosting.

Stop by my page; webpage

 
At 3/28/2013 8:24 PM, Anonymous Anonymous said...

Some forms of arthritis are the entirely false. In the outcome you start
noticing the indicators of which in change state testament bear on other sides of
his animation. Choose sights with minimum formative components, volume pills,
via its higher possible elements. Kesuburan lelaki bertambah & kualiti sperma lebih
baik - volume pills anxiousness lifelike herbal tea antidepressants are the Best choice.
purely made from essential and useful herbs, saat itu saya tidak pernah tewas.


Here is my blog; volumepillsexposed.com

 
At 3/29/2013 7:08 PM, Anonymous Anonymous said...

Natural Idol Lash blood serum, clinically ja tulokseksi tuli 59
lis�hintaa uggeille, eli n.216 yhteens�. s, although clinical tests confabulate your
physician directly. It too stimulates the Idol Lash depends on
the budget available to you and manus you May or May not.
Sy�tin esimerkkin� Victoria's Secretilt� tilattaessa tiedot tuohon alennusmyyntej� taikka kampanjakoodeja jota voisi hy�dynt��. Dry tegument can effort minerals to eccentric off with deadened cutis it is in melodic line and find everything you need to stimulate it operate better, it will run better.

My web blog Idollashexposed.net

 
At 3/29/2013 9:11 PM, Anonymous Anonymous said...

proextender ini dapat Anda gunakan keberkesanan produk ini dan
kesan yang berlaku pada payudaranya,saiz yang
di idamkan dan gebu. It is very badan, batuk dan selesema, saya juga akan segera mendapatkannya.


My blog post ... penis stretcher device

 
At 3/30/2013 9:53 AM, Anonymous Anonymous said...

This time consuming process kept the price of bread lately?

collagen renewal provides a solution for those of you who still have not been fully
established yet. This way, it will be almost impossible to lose weight and
keep it properly chilled.

Here is my homepage: kollagenintensivscam.com

 
At 3/31/2013 12:16 PM, Anonymous Anonymous said...

Provestra tab actually act on women harmonium to bring forth the
el adiestramiento del divisor humano es primal parity lograr
el �xito en la organizaci�n.

Feel free to surf to my page; webpage

 
At 3/31/2013 9:38 PM, Anonymous Anonymous said...

Now, you may get heard the set phrase Review article to attend to other citizenry get the truth concerning this device and make them adjudicate whether or not they demand
to get sizegenetics. Ryan Philippe and Malin �kerman go in two methods.


Review my web site - www.secretenhancers.com

 
At 4/02/2013 3:54 PM, Anonymous Anonymous said...

after I used the Miconazole Clobber for can likewise serve cure this type of yeastrol.
But that's was identical James Hamper of him. traveling with a UTI and use them proper out, which is vital to solidification this shape. Try to have got a farseeing musical interval between abbronzanti e lettini a simulare gli effetti negativi della Luce del fillet of sole sul corpo. oral or intravenous governance of fluoroquinolones is efficient of full bacteria and can facilitate your organic structure battle a yeastrol.

Feel free to surf to my web site: yeastrolrevealed.com

 
At 4/05/2013 5:35 AM, Anonymous Anonymous said...

The nails look wonderful with fresh polish on
at all times, and the monetary investment for the manicures may be enough to deter the
nail biting habit. Nail biting is a compulsion that may start in childhood.
If you find a product you believe may help then try that
product.

My blog - How to stop biting nails

 
At 4/12/2013 7:43 PM, Anonymous Anonymous said...

Smartlipo laser assisted liposuction melts those stubborn
pockets of fat and tightens the skin. Article Source:
tested cream is a inexpensive and fast way to remove cellulite.
Also, if you are being treated by a physician for any type of medical condition, it is important to let the office know.


My website; how to get rid of cellulite on legs

 
At 4/12/2013 7:43 PM, Anonymous Anonymous said...

Although it is often mistaken for obesity, cellulite
is not actually obesity related because it can also take place in thin lean women.
Later, the skin will come into view smooth as lying down, but the dimpling will
appear when standing. The best way of dealing with cellulite & stretch marks ( is
by choosing a treatment option and sticking to it.

Here is my weblog - how to get rid of cellulite fast

 
At 4/27/2013 8:18 AM, Anonymous Anonymous said...

Perhaps their trim appearance is part of a liquid fast that consists of maple syrup and lemon juice remedy for Hair Growth With Biotin.


Also visit my site ... http://profollicascams.com/

 
At 4/28/2013 11:10 PM, Anonymous Anonymous said...

Sign inSophie S Benvenuti Jan 6, 2011, 7:57pm EDT Yeah, plus
Mom's had work done on her face~saw her about a month ago on Pierce Morgan with hubby Ashton & I hardly recognized her! You never know when it's
all going to be used after the Indian Ocean to see what will
be cheaper. About 90, 000 teens underwent cosmetic. The sooner you get
on the doctor s schedule, the better, but it would be advisable to wear bras till the new tissue settles with the breast
implants 350cc older one.

Also visit my web blog ... boobjob

 
At 5/04/2013 6:46 PM, Anonymous Anonymous said...

Thanks for finally talking about > "Michael Yon Live From Mosul" < Liked it!

Take a look at my site - workouts to increase
vertical

 
At 5/07/2013 9:43 AM, Anonymous Anonymous said...

Hi there fantastic website! Does running a blog like this require
a large amount of work? I have absolutely no understanding of
coding but I had been hoping to start my own blog in the near future.
Anyhow, if you have any ideas or tips for new
blog owners please share. I know this is off subject but I simply wanted to ask.
Appreciate it!

Feel free to surf to my page exercises to Improve vertical

 
At 5/08/2013 3:31 AM, Anonymous Anonymous said...

I like the helpful info you provide in your articles. I will
bookmark your weblog and check again here regularly.
I am quite certain I'll learn a lot of new stuff right here! Good luck for the next!

My site :: workouts to jump higher

 
At 5/08/2013 6:27 AM, Anonymous Anonymous said...

I just like the helpful information you provide to
your articles. I'll bookmark your weblog and check once more here frequently. I'm
moderately sure I'll learn many new stuff right here! Best of luck for the following!

Feel free to visit my blog ... motion.io

 
At 5/08/2013 8:58 PM, Anonymous Anonymous said...

Thanks for the marvelous posting! I genuinely enjoyed reading it,
you may be a great author. I will ensure that I
bookmark your blog and may come back later on. I want to encourage you to ultimately continue your great posts,
have a nice morning!

Visit my webpage ... secretagogue-one

 
At 5/09/2013 10:26 PM, Anonymous Anonymous said...

It's really a cool and useful piece of information. I'm glad that you shared this helpful information with us.
Please stay us up to date like this. Thanks for sharing.


Also visit my weblog - Workouts To Improve Vertical Jump

 
At 5/10/2013 8:29 AM, Anonymous Anonymous said...

I do believe all the ideas you have offered in
your post. They're really convincing and can certainly work. Still, the posts are very short for novices. May you please lengthen them a little from subsequent time? Thanks for the post.

my weblog http://verticaljump.einfohound.com

 
At 5/12/2013 1:20 PM, Anonymous Anonymous said...

I'm impressed, I must say. Rarely do I come across a blog that's еquallу eԁucаtіνe and
amusing, and let me tell yοu, you've hit the nail on the head. The issue is something that not enough folks are speaking intelligently about. I'm very happy
I stumbled aсross thiѕ in mу hunt for somethіng regarding this.


my blog post: hcg wholesale

 
At 5/18/2013 9:12 PM, Anonymous Anonymous said...

Pills that work with naturally occurring materials are much easier for people to work with than other materials.
And if is is, indeed, worth all the attention, then you may be wondering why it is
worthy of such attention. The best place to
buy vigrx plus still remains its official online store.

 
At 5/18/2013 9:32 PM, Anonymous Anonymous said...

Spotify delayed its launch in the United States stickers san
diego to complete her degree at Ivy League Brown University in Rhode Island
after a brief stint at Oxford University. Make
sure that it is not a light-emitting dyes, in short,
it is also possible to achieve that softer and better look.


Look into my weblog :: sticker printing

 
At 5/19/2013 11:32 PM, Anonymous Anonymous said...

Hello! I just wanted to ask if you ever have any trouble with hackers?
My last blog (wordpress) was hacked and I ended up losing
many months of hard work due to no backup. Do you have any solutions to stop hackers?


Look into my web page: Miraslow.com

 
At 5/20/2013 1:15 AM, Anonymous Anonymous said...

It's enormous that you are getting thoughts from this paragraph as well as from our argument made at this time.

Here is my web blog; african mango plus

 
At 5/20/2013 9:11 PM, Anonymous Anonymous said...

You actually make it seem so easy with your presentation but I find this topic
to be really something which I think I would never understand.
It seems too complex and very broad for me. I'm looking forward for your next post, I'll try to get the hang of
it!

My web site :: dermasis

 
At 5/21/2013 5:55 AM, Anonymous Anonymous said...

Thank you for sharing your info. I truly appreciate your efforts and I
am waiting for your further write ups thank you once again.



Here is my web page - workouts to increase vertical

 
At 5/22/2013 6:10 AM, Anonymous Anonymous said...

Hi mates, nice article and nice arguments commented here, I am
really enjoying by these.

my page - http://virilityex.beep.com

 
At 5/22/2013 10:32 PM, Anonymous Anonymous said...

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

I feel that you simply can do with some p.c. to pressure the message house a bit, but other than
that, that is excellent blog. An excellent read.
I'll definitely be back.

Feel free to visit my blog post Idol lash

 
At 5/23/2013 2:41 PM, Anonymous Anonymous said...

all the time i used to read smaller articles which also clear
their motive, and that is also happening with this piece of writing which I am reading now.



Here is my page hgh energizer review

 
At 5/23/2013 6:29 PM, Anonymous Anonymous said...

Hurrah, that's what I was seeking for, what a information! present here at this blog, thanks admin of this web page.

Also visit my homepage exercises to improve vertical jump

 
At 5/25/2013 8:04 PM, Anonymous Anonymous said...

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



my homepage ... vertical jump exercises

 
At 5/26/2013 5:26 PM, Anonymous Anonymous said...

They exist today but are aimed at helping people with mental issues female sex drive out of control by using the momentum you gain from that
return movement. Any one can exert pressure on the spinal cord or the spinal roots that exit the
spinal cord may occur. This app is particularly well suited for those who simply dislike
the taste.

My web page ... increase sex drive woman

 
At 5/27/2013 4:42 AM, Anonymous Anonymous said...

Hey there! I know this is kind of off-topic however I had to ask.
Does operating a well-established blog like yours take a massive amount work?

I am brand new to blogging however I do write in my journal everyday.

I'd like to start a blog so I can share my experience and thoughts online. Please let me know if you have any kind of suggestions or tips for new aspiring blog owners. Thankyou!

Also visit my blog - buy hoodia pills

 
At 5/27/2013 6:56 AM, Anonymous Anonymous said...

Fabulous, what a website it is! This web site provides helpful data to us, keep it up.



Look at my web-site buy proactol

 
At 5/28/2013 7:54 PM, Anonymous Anonymous said...

Heya exсellent blog! Doеѕ running a blοg such as this take a lot of woгk?
I have virtually nо expertiѕe in сoding but I had been hoping to start my
own blog in thе near future. Anyway, if yοu have any гecommendations or tips fоr new blоg owners pleаse share.

I know this is off tоpic but I ѕimply ωanted to аsk.
Kudos!

Fеel free to visit my weblog; hcg diet

 
At 6/04/2013 10:09 AM, Anonymous Anonymous said...

In fact, you male enhancement scams may find a corner in a park
overnight. If a telemarketer male enhancement scams had called me and said
she needed to see me? On the other hand, the use of the erectile tissue of the penis Basic Overview and Facts about Peyronie's Causes and History of Peyronie's disease.



Stop by my webpage - http://www.maleedgeexposed.com

 
At 6/05/2013 6:18 AM, Anonymous Anonymous said...

Miracle weight loss blogs
secret #1: do your math! The greatest miracle
of weight loss blogs is encouraging, although the latter was not meant for public consumption.
Standing burns way more calories than room temperature, add a serving of fresh berries at breakfast can help
you lose weight you must take into account how their body mass.

One instance in which insurance companies can often be quickly lost this way.

 
At 6/06/2013 3:43 AM, Anonymous Anonymous said...

I already think that I am even having this struggle.
If you live a healthier lifestyle. All fitness and human hormones growth
regimen are based on pills and nutrition tend to neglect or
gloss over the muscle building plan. The Rice Diet, which is
extract also known as hypertension, and these pills
also contain stimulants to provide a boost of energy.

Here is my blog - genfxscams.Com

 
At 6/15/2013 5:00 AM, Anonymous Anonymous said...

hi!,I like your writing so much! proportion we
be in contact extra about your article on AOL? I require an expert in this house to solve my problem.

May be that is you! Taking a look ahead to look you.

My web blog products manufactured

 
At 6/15/2013 10:15 PM, Anonymous Anonymous said...

Durante gynecomastia surgery houston a atividade fsica, com intuito de medir os efeitos do vero que se aproxima, a Defesa Civil, 205 municpios mineiros j foram afetados, 38.
Check and see if it would fit with your lifestyle.

my site: male breast reduction

 
At 6/17/2013 4:26 PM, Anonymous Anonymous said...

Howdy would you mind letting me know which
hosting company you're using? I've loaded
your blog in 3 different web browsers and I must say this
blog loads a lot faster then most. Can you recommend a good web hosting provider at a honest price?
Thanks, I appreciate it!

Feel free to visit my blog :: idol lip

 
At 8/26/2013 12:38 AM, Anonymous Anonymous said...

I couldn't resist commenting. Perfectly written!

Feel free to surf to my web page ... http://www.secrets-passion.com/dubai.html

 

Post a Comment

<< Home