‘Zul Bukan Lelaki Sejati’- Zainol Dedah Sikap Sebenar Zul Ariffin

Mesothelioma is a form of cancer which occurs in thin membranes (called the mesothelium) lining the chest, lungs, abdomen and sometimes the heart. Although quite rare, mesothelioma symptoms strike more than 200 people each year in the United States. The majority of mesothelioma cases are directly linked to asbestos exposure. Because of the long latency period of mesothelioma, the average age of patients is between 50 and 70 years. Mesothelioma affects men most due to the high exposure of asbestos in industrial typed jobs. Mesothelioma symptoms include respiratory problems, shortness of breath, continual cough and pneumonia. Other mesothelioma symptoms include weight loss, abdominal problems and swelling. In some mesothelioma patients, the mesothelioma symptoms are quite muted, making it hard for mesothelioma doctors to diagnose. Mesothelioma doctors specialize in the study, research, and treatments of Mesothelioma cancers. Mesothelioma (or the cancer of the mesothelium) is a disease in which cells become abnormal and replicate without control. During Mesothelioma, these cells will invade and damage tissues and organs. Mesothelioma cancer cells can spread throughout the body causing death. Mesothelioma treatments and Mesothelioma clinical trials and tests There are many mesothelioma treatment options available. Treatments include surgery, radiation therapy and chemotherapy and the mesothelioma treatment depends on the patient’s age, general health and stage of the cancer. There has been much mesothelioma research conducted throughout the past two years to find new treatment methods. Click here to read more about mesothelioma treatment techniques. Through mesothelioma research, The National Cancer Institute has sponsored mesothelioma tests and clinical trials that are designed to find new treatment methods. Because of the increase in number of mesothelioma cases in the United States, both governments have increased funding for mesothelioma research. Mesothelioma research and clinical trials have been successful in developing new techniques to fight this cancer and the outlook for more advanced mesothelioma treatments is promising. Surgery is the most common treatment method for malignant mesothelioma. Tissues and linings affected by mesothelioma are removed by the doctor and may include the lung or even diaphragm. A second mesothelioma treatment method is radiation therapy through the use of high energy x-rays that kill the cancer cells. Radiation therapy can be outside or inside the body. A third mesothelioma treatment method is chemotherapy. Through pills or drugs through needles, chemotherapy drugs are used to kill cancer cells. A new mesothelioma treatment method is called intraoperative photodynamic therapy. In this treatment, light and drugs are used to kill cancer cells during surgery for early stages of mesothelioma in the chest. Although there are numerous treatments and drugs for mesothelioma, doctors are losing the battle against this deadly disease. Most mesothelioma treatments involve old techniques combined with different drug cocktails. However, in most cases, these mesothelioma treatments have many side effects including organ damage, nausea, increase in heart failure etc. The rush to find a more effective mesothelioma treatment or even cure is ongoing at numerous clinical labs across the nation. Let's hope that the mesothelioma treatments will one day erradicate mesothelioma cancer and asbestosis. With an abundance of information on the Internet, Mesothelioma Cancer and Asbestos ([http://www.mesothelioma-cancer-and-asbestos.com]) has consolidated the most important issues surrounding Mesothelioma, Mesothelioma doctors and symptoms, Mesothelioma treatment, Mesothelioma research and tests. At [http://www.mesothelioma-cancer-and-asbestos.com], the website contains useful resources on Mesothelioma lawyers and attorneys, as well as causes by asbestos exposure, asbestos removal, asbestos attorneys and lawsuits, and asbestos cancer. Patients stricken by Mesothelioma and their families require support and current information. Mesothelioma Online Resources hopes to educate and give hope to survivors and victims. Mesothelioma is such a harsh disease. Not only does it take years for symptoms to appear, but there are limited treatements and drugs that will prolong the lives of workers stricken with mesothelioma. In many cases, the death rate of mesothelioma is unfortunately very high. However, with increased funding in mesothelioma research through the government and private grants, the outlook for a mesothelioma cure is quite possible. In the meantime, mesothelioma support groups and local discussions provide the ongoing support for mesothelioma patients. Mesothelioma Cancer and Asbestos ([http://www.mesothelioma-cancer-and-asbestos.com])is your source for mesothelioma and asbestos information, treatments, clinical trials, attorneys, support groups and lawyers. About the website: Michael Kenneth is a successful Internet Publisher and has researched and written on many topics for [http://www.mesothelioma-cancer-and-asbestos.com] - your complete source for mesothelioma information, mesothelioma attorneys and lawyers, mesothelioma treatments and research, asbestos exposure and removal, asbestos attorneys and legislation as well as asbestos cancer.
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Utilizing Bankable Collateral No one can dispute the fact that it is more difficult to obtain a loan of any kind in today's banking environment that it was just a few years ago. The bursting of the real estate bubble has affected almost all facets of the credit market both directly and indirectly. The advent of more in depth client information data, steps taken by Homeland Security enforcing anti-money laundering measures, the general tightening of credit restrictions, and the fact that almost no local banker has any true impact on credit decisions have come together to dramatically change the face of credit facilities in the United States. One could easily say that the lending community is for the most part unsure as to its path. Congress is attempting to establish deeper oversight in all levels of banking and finance. Banks have failed and either been taken over or simply closed. The cumulative result has resulted in making things difficult at best when making application for a loan at the personal level and nearly impossible when pursuing a business loan. With this in mind one of the few bright spots has been the establishment, or reestablishment if you listen to old school bankers, of collateral influenced lending. In other words loan scenarios in which the loan is truly secured by collateral that the bank, or other financial institution, can attach and easily liquidate if there is a loan default. As we know loan collateral used to almost always consist of the offering of receivables, contracts, equipment, inventory, or real estate. In each case the collateral was somewhat difficult to deal with in that if attached it would have to be collected, discounted, fulfilled, or sold over time. With that in mind it is easy to comprehend why bankable collateral is fast becoming the flavor of the day. Over the past decade or two it seems that banks and other lending institutions have gradually pulled away from liquid collateral. The reason for this is probably two fold. First is the fact that mortgage lending is always at the forefront of the market and directly affects the rest of the market. This is because mortgage lending is what the public is generally best acquainted with. No money down, no income verification, no document, 125% loan to value, and other mortgage products were commonplace, and therefore quickly became what the public was acquainted with and had become used to. This then is what was expected in all other facets of lending as well. Therefore all lending became more competitive as institutions were forced to become creative in the other aspects of their business. The second factor that came into play was the development of derivatives and the new world that they brought about. In many cases to fill up the basket necessary to support a derivative other credit products had to be brought forth. This then drove the need for product in the form of closed loans. This need for closed loans meant an easing of credit requirements and a creative new look at what comprised collateral. In many cases true collateral was displaced by the proposed value of future payments. Future payment value is based on Genuine liquid collateral is, and always will be, a bankable commodity. If a lending institution can attach an item that has a known value, is not perishable, and can easily be liquidated, then that item will carry both an intrinsic vale and a true bankable value. This type of value is not only easy to recognize in its market format it is easy to establish a bankable value as well. Therefore the lending institution can quickly establish a market value through historic market data that is both easily discernible and fully transparent. The institution will then establish costs associated with the time and expense of liquidating the collateral that is involved, calculate a risk averse discount to cover such, and establish the bankable value of the collateral at hand. In an attempt to make the matter a bit clearer and more in line with contemporary practice and ease of transportability there are firms that accumulate bankable collateral assets and then place them in the form of transferable financial instruments in the form of perpetual demand notes. These perpetual demand notes, most commonly referred to as collateral notes, are then fully backed by bankable quality collateral that exhibits the necessary qualities of having true market liquidity, an exchange traded value, are nonperishable, carry a high demand rate, and are easily identifiable. In other words if there is a loan default the lending institution makes a call against the collateral notes. The note provider then covers the demand by liquidating an appropriate portion of the bankable collateral that directly backs the note. In that there is a daily traded exchange and a ready and established market the process is both simple and efficient. Although once an almost exclusive tool of large Wall Street firms and available only to their top clients it is easy to see why collateral notes are gaining popularity and being sought out by businesses of all sizes for use as a means of securing financing necessary to further their operations on all fronts. The question has to come up as to just what qualifies as bankable collateral. As stated earlier the collateral must carry the traits of carrying an easily identifiable intrinsic value, must be traded daily on a globally recognized exchange, must be easily identifiable, and must be nonperishable and therefore not carry forth what could be referred to as a shrinkage ratio in perishable items. Although most exchange traded commodities, such as crops, pork bellies, and other produce would qualify in most areas. They would all fall short due to the fact that they are all perishable. This is why the push in bankable collateral seems to be toward the metals markets. Metals are easily identified. They have an intrinsic value that is easily recognized by the general public. They are traded daily on several global exchanges and therefore carry a transparent value that is easily established. Are easily stored, counted, and secured. But possibly most importantly are nonperishable. We are experiencing an upward push in the overall metals and mineral markets for just this reason. Unlike diamonds or other gemstones there is no subjectiveness when establishing value. For example, it has been said that if you were in the jungle and came across a native he would recognize the intrinsic value of a piece of gold. While we have no empiric study to equate to I think most of us would more or less agree with this fable. That may well be the reason that we have seen the steady upward climb of gold and some of the other precious metals that has taken place over the last few years. Nonetheless, what we are now and seemingly will continue to experience is a shifting away from fancy derivatives and financial instruments that very few can decipher, and a return to core values based on bankable collateral made up of perpetual demand collateral notes. A return to the transparency and understanding of exchange traded metals being utilized as the underlying value for these collateral notes. All coupled with the invasion of the heretofore tightly controlled Wall Street type security financing that was only made available to the large and influential institutions by Main Street businesses of every kind and every size. This may well be the cornerstone of the financial growth, job creation, and overall stability that we are all seeking. If so it would seem that the future holds bright and true.
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