It is only homeowners who are can make application for secured loans or homeowner loans if you prefer.
Homeowners are the only people who can apply for them as they need to be secured against some some of collateral which is a property. What equity is is the difference between what the property value and the mortgage. To give an example of what we mean is that if a property has a value of 400,000, and the mortgage stands at 150,00, the equity is 250,000 in this occasions
Before the credit crash loan to values were there up to 100% of the property value and secured loans of as much as 100,000 were available subject to other criteria such as a secured loan borrower’s credit rating, income and so on.
There were even secured loan lenders who willing to advance secured loans at 125% loan to value, which meant that secured loans could be granted at up to 25% more than the property was worth. Generally most providers restricted the largest homeowner loans on the good old 125% plan to 60,000 at the most.
There are no longer such reckless loan to values, and the maximum LTV is 85% for employed secured loan applicants, and they are limited to 75% for self employed borrowers.
Before secured loans were available up to 250,000. With others the largest available secured loan was 100,000. These days secured loans are granted up to 50,000 with some lenders and others are prepared grant secured loans up to 100,000.
Secured loans are all purpose kinds of loans that can buy a car, a motor home, caravan, etc. Whenever secured loans are used to buy a car for example it means that it can be bought privately at an auction allowing you to save money compared to buying the same car from a dealer, and it also means that no deposit is required. Car loans are generally only available up to about 70% of the purchase price and this can be lots of money. If you pay via secured loans the need for a deposit disappears.
Secured loans are great as debt consolidation loans which offer great savings as they lump all outstanding bits of credit into one, and make dealing with too much debt a thing of the past..
Secured loans are also a way of purchasing a second home at home or away and in this way you can purchase a second home without a deposit.
This is only a little about secured loans, and everybody can learn more a secured loan broker.
asbestos law firm
A federal jury in Utica, N.Y. this week convicted Certified Environmental Services, two senior managers and one employee of conspiring to falsify asbestos inspection reports and concealing incomplete asbestos removal work at schools, homes and other buildings. Asbestos was an ingredient in thousands of construction products during the 20th century. Inhalation of asbestos fibers causes a number of diseases including lung cancer and mesothelioma, a cancer of the lining of the lung.
According to a U.S. Department of Justice press release, Certified Environmental Services, an asbestos monitoring company and accredited lab, and several of its senior employees conspired with two asbestos removal companies for nearly a decade to falsify lab reports used to show that asbestos removal work was properly done.
Owners of houses and buildings were led to believe by the falsified reports that all asbestos had been removed when in many cases toxic dust had been left behind by sloppy removal work. People who lived and worked in the buildings were exposed to asbestos, putting them at risk of developing serious asbestos-related cancer and respiratory disease.
“Because of the dishonest and illegal practices of this company, many people were left unaware for years of their possible exposure to asbestos,” Ignacia S. Moreno, Assistant Attorney General for the Environmental and Natural Resources Division of the Department of Justice said in a press statement. “Companies and employees will be fully investigated and prosecuted when they put the public’s health at risk by violating environmental laws.”
According to a U.S. Department of Justice press release, Certified Environmental Services, an asbestos monitoring company and accredited lab, and several of its senior employees conspired with two asbestos removal companies for nearly a decade to falsify lab reports used to show that asbestos removal work was properly done.
Owners of houses and buildings were led to believe by the falsified reports that all asbestos had been removed when in many cases toxic dust had been left behind by sloppy removal work. People who lived and worked in the buildings were exposed to asbestos, putting them at risk of developing serious asbestos-related cancer and respiratory disease.
“Because of the dishonest and illegal practices of this company, many people were left unaware for years of their possible exposure to asbestos,” Ignacia S. Moreno, Assistant Attorney General for the Environmental and Natural Resources Division of the Department of Justice said in a press statement. “Companies and employees will be fully investigated and prosecuted when they put the public’s health at risk by violating environmental laws.”
student loan debt consolidation
Reducing Yουr Student Loan Payment Through Debt Consolidation
Fοr people whο hаνе a few student loans, thеіr aims аrе tο reduce thеіr loans аѕ much аѕ possible during economy crisis. Currently, one οf thе best ways tο lower уουr student loan payments іѕ tο consolidate уουr loans.
Lеt’s take a look аt thе practical steps οf consolidating уουr study loans іn a systematic manner. Always bear іn mind thаt study loan consolidation іѕ required especially whеn уου hаνе a few student debts аnԁ thеrе іѕ a need fοr уου tο defer уουr payments due tο сеrtаіn reasons.
First οf аƖƖ, whаt уου need tο ԁο іѕ tο mаkе a full list οf thе following:
· AƖƖ уουr study debts
· Thе financial institutions уου owe
· Yουr total debt amount
· Yουr monthly payment fοr each debt
· Anԁ thе mοѕt іmрοrtаnt раrt іѕ thе interest rate fοr each loan.
Secondly, ԁο thorough research οn thе various loan consolidation programs available іn thе market. Focus οn еіthеr federal οr private student loan consolidation program whісh suits уουr individual needs mοѕt. If уου hаνе both federal аnԁ private loans, give thе priority οn federal loans. It іѕ a mυѕt fοr уου tο separate thе consolidation process whеn уου hаνе both loans.
Thirdly, сhοοѕе a bank οr a lender whο саn consolidate уουr loans аt thе lowest interest rate. Stаrt submitting уουr application. Once уουr application іѕ being approved, уουr monthly repayment wіƖƖ bе adjusted аnԁ уου wіƖƖ bе paying уουr debt based οn a lower interest rate.
Through debt consolidation, уου wіƖƖ bе аbƖе tο reduce уουr total debt amount іn thе long rυn аѕ уου аrе paying a lower interest rate. Dο nοt underestimate thе amount saved frοm thіѕ process. Yου wіƖƖ bе аbƖе tο ɡеt yourself аnԁ уουr family a better life іn thе future.
Fοr people whο hаνе a few student loans, thеіr aims аrе tο reduce thеіr loans аѕ much аѕ possible during economy crisis. Currently, one οf thе best ways tο lower уουr student loan payments іѕ tο consolidate уουr loans.
Lеt’s take a look аt thе practical steps οf consolidating уουr study loans іn a systematic manner. Always bear іn mind thаt study loan consolidation іѕ required especially whеn уου hаνе a few student debts аnԁ thеrе іѕ a need fοr уου tο defer уουr payments due tο сеrtаіn reasons.
First οf аƖƖ, whаt уου need tο ԁο іѕ tο mаkе a full list οf thе following:
· AƖƖ уουr study debts
· Thе financial institutions уου owe
· Yουr total debt amount
· Yουr monthly payment fοr each debt
· Anԁ thе mοѕt іmрοrtаnt раrt іѕ thе interest rate fοr each loan.
Secondly, ԁο thorough research οn thе various loan consolidation programs available іn thе market. Focus οn еіthеr federal οr private student loan consolidation program whісh suits уουr individual needs mοѕt. If уου hаνе both federal аnԁ private loans, give thе priority οn federal loans. It іѕ a mυѕt fοr уου tο separate thе consolidation process whеn уου hаνе both loans.
Thirdly, сhοοѕе a bank οr a lender whο саn consolidate уουr loans аt thе lowest interest rate. Stаrt submitting уουr application. Once уουr application іѕ being approved, уουr monthly repayment wіƖƖ bе adjusted аnԁ уου wіƖƖ bе paying уουr debt based οn a lower interest rate.
Through debt consolidation, уου wіƖƖ bе аbƖе tο reduce уουr total debt amount іn thе long rυn аѕ уου аrе paying a lower interest rate. Dο nοt underestimate thе amount saved frοm thіѕ process. Yου wіƖƖ bе аbƖе tο ɡеt yourself аnԁ уουr family a better life іn thе future.
purchasing structured settlement
This is a way to cut down on the time it takes to get a significant bulk of the settlement in no time.
How Court Settlements Work
If ever you win a case in court, you will most likely be the recipient of a substantial amount of money. However, you do not get the entire amount right there and then. You actually get paid the entire amount in a matter of months or even years. In a lot of cases, if the amount is a large amount, you have to wait almost a lifetime to get fully paid. There is just no way to get the whole amount in an instant.
The Problem
We can never predict what the future may hold. No matter how well we plan things, there will always be unforeseen situations that we will never see coming. There might be situations when you may need a substantial amount of money. If ever a need presents itself, there will be no way for you to capitalize on your settlement.
The Solution
Thankfully, there is a solution to this problem. The solution can be found in structured settlement investments. By taking this option, you no longer have to wait a long time to get the bulk of the settlement. Here, you get a significant amount of the settlement in an instant.
How It Works
There are various firms who are interested in purchasing your settlement for long term investment purposes. They offer to buy your settlement off your hands at a discount. Regardless of this discount, you get most of the money in a flash. This simply means that there will be no more need to wait for months or even years.
How Court Settlements Work
If ever you win a case in court, you will most likely be the recipient of a substantial amount of money. However, you do not get the entire amount right there and then. You actually get paid the entire amount in a matter of months or even years. In a lot of cases, if the amount is a large amount, you have to wait almost a lifetime to get fully paid. There is just no way to get the whole amount in an instant.
The Problem
We can never predict what the future may hold. No matter how well we plan things, there will always be unforeseen situations that we will never see coming. There might be situations when you may need a substantial amount of money. If ever a need presents itself, there will be no way for you to capitalize on your settlement.
The Solution
Thankfully, there is a solution to this problem. The solution can be found in structured settlement investments. By taking this option, you no longer have to wait a long time to get the bulk of the settlement. Here, you get a significant amount of the settlement in an instant.
How It Works
There are various firms who are interested in purchasing your settlement for long term investment purposes. They offer to buy your settlement off your hands at a discount. Regardless of this discount, you get most of the money in a flash. This simply means that there will be no more need to wait for months or even years.
Pop up display booths
great booth is vital to a good event presence. Yet making a display stand out amongst the crowd can be difficult unless you're willing to break the bank. Many companies have found a solution in the form of a pop up trade show display. This type of booth offers an eye catching design and modern appeal without going over budget, making it a strong option for businesses of almost every size.
Best Bang For Your Buck
Costs for other types of exhibit can easily run into the multiple thousands of dollars. A pop up option is not the cheapest, but it has an advantage over less expensive booths: it looks much more expensive than it is. A pop up trade show display is constructed by stretching printed fabric across a lightweight frame, allowing it to "pop" together when it needs to be set up. The resulting exhibit is clean and modern, complementing virtually any company's aesthetic.
Read more: http://business.ezinemark.com/capture-your-audience-s-attention-with-a-pop-up-trade-show-display-318f0acdd09.html#ixzz12Sf5cc1i
Under Creative Commons License: Attribution No Derivatives Many pop up trade show displays use hook and loop receptive fabric stretched over the frame, which al be swapped out easily. These can be used for multiple purposes and change dramatically over time.
There are some pop up trade show displays which stretch printed fabric over the skeleton. These will require a little more work to swap out images, but certainly can change and evolve. Display stands with printed fabric are often lightweight, and may be slightly more portable by virtue of the weight.
Create Eye-Catching Drama
These booths look completely different from their more traditional counterparts, and visitors notice. Many companies have reported visitors drawn in by the pure style of the booth, who were then interested in the product..
Instant Impact
One of the major advantages of this style is its ability to be set up in a fraction of the time. It is literally instant impact -- it can be set up by one person and put together in just a few minutes. Most designs will use either magnetic components to attach different pieces, or might also have ties or other connectors. However, any exhibit of this nature will be designed with speedy setup in mind.
Is It The Right Choice For Your Business?
If you are seeking a lower cost option which doesn't sacrifice quality and impact, you should consider a pop up exhibit. When evaluating if this type of exhibit is right for your company, you should consider whether you want to swap out your graphics frequently or not. If you do want to swap out your graphics, consider one that uses hook and loop receptive fabric, so that new graphics can be substituted at any time. If you anticipate using the same graphics over a long period of time, and want an even more light-weight and streamline look, consider one with printed fabric. Either choice has a modern eye catching appearance that few other designs can beat.
Best Bang For Your Buck
Costs for other types of exhibit can easily run into the multiple thousands of dollars. A pop up option is not the cheapest, but it has an advantage over less expensive booths: it looks much more expensive than it is. A pop up trade show display is constructed by stretching printed fabric across a lightweight frame, allowing it to "pop" together when it needs to be set up. The resulting exhibit is clean and modern, complementing virtually any company's aesthetic.
Read more: http://business.ezinemark.com/capture-your-audience-s-attention-with-a-pop-up-trade-show-display-318f0acdd09.html#ixzz12Sf5cc1i
Under Creative Commons License: Attribution No Derivatives Many pop up trade show displays use hook and loop receptive fabric stretched over the frame, which al be swapped out easily. These can be used for multiple purposes and change dramatically over time.
There are some pop up trade show displays which stretch printed fabric over the skeleton. These will require a little more work to swap out images, but certainly can change and evolve. Display stands with printed fabric are often lightweight, and may be slightly more portable by virtue of the weight.
Create Eye-Catching Drama
These booths look completely different from their more traditional counterparts, and visitors notice. Many companies have reported visitors drawn in by the pure style of the booth, who were then interested in the product..
Instant Impact
One of the major advantages of this style is its ability to be set up in a fraction of the time. It is literally instant impact -- it can be set up by one person and put together in just a few minutes. Most designs will use either magnetic components to attach different pieces, or might also have ties or other connectors. However, any exhibit of this nature will be designed with speedy setup in mind.
Is It The Right Choice For Your Business?
If you are seeking a lower cost option which doesn't sacrifice quality and impact, you should consider a pop up exhibit. When evaluating if this type of exhibit is right for your company, you should consider whether you want to swap out your graphics frequently or not. If you do want to swap out your graphics, consider one that uses hook and loop receptive fabric, so that new graphics can be substituted at any time. If you anticipate using the same graphics over a long period of time, and want an even more light-weight and streamline look, consider one with printed fabric. Either choice has a modern eye catching appearance that few other designs can beat.
Annuity loans
Annuities come in two forms, those that accumulate earnings, and those that disperse earnings. Deferred annuities are used to accumulate earnings in a tax deferred account allowing the investor to maximize their possible growth. These gains, however, are only tax deferred until they are withdrawn from the account. In the case that funds are needed, there are options available to investors that want to avoid the tax consequence of withdrawing from their deferred annuity. Some deferred annuities allow you to borrow tax free against the account in the form of an annuity loan. The amount you can borrow against your deferred annuity varies by company, but is usually no more than $50,000.
Can an annuity be used as collateral for a loan?
Non qualified annuities have been used to secure loans for years. The monetary value of a non qualified annuity or life insurance product can be used as temporary collateral for a loan. When considering using a qualified annuity as collateral, however, make sure to consult your tax accountant. According to IRS form 5329, if during the tax year you use all or any part of a Qualified Annuity as security for a loan the total value of the contract may be treated as being distributed as of the first day of the tax year. The portion of the annuity assigned as collateral is taxed according to the rules pertaining to partial withdrawals and full surrenders and may also be exposed to the 10% penalty tax if the annuitant is pre-59 ½.
Can an annuity be used as collateral for a loan?
Non qualified annuities have been used to secure loans for years. The monetary value of a non qualified annuity or life insurance product can be used as temporary collateral for a loan. When considering using a qualified annuity as collateral, however, make sure to consult your tax accountant. According to IRS form 5329, if during the tax year you use all or any part of a Qualified Annuity as security for a loan the total value of the contract may be treated as being distributed as of the first day of the tax year. The portion of the annuity assigned as collateral is taxed according to the rules pertaining to partial withdrawals and full surrenders and may also be exposed to the 10% penalty tax if the annuitant is pre-59 ½.
conference calling companies
Conference calling companies are widely available for anyone in the market for conference calls. Each company is unique in what they offer and how they bill you. Some rely on toll free conference calling while others stick to flat rate conference calling. Sifting through these companies and finding the one for you requires knowing what you want, what you can afford and thorough competitive shopping. This is the only way to choose between so many conference calling companies.
Let's start with billing. Many businesses prefer a flat rate as opposed to the toll free conference calling because they know exactly what to expect when its time to pay. But choosing between the two really depends on two major factors: what your budget will allow and how often you will use the service. Once you've made a decision between flat rate and toll free, you will knocked the selection in half and can focus on other factors involved in choosing a conference calling company.
From this point, you should make out a list of the perks you are looking for in conferencing. There are so many options today that it can be a bit overwhelming! Some perks are neccessary while others are considered fluff. This all depends on your business, your budget and what perks will benefit your business the most.
Here are a few things that you must consider. The audio quality is of extreme importance. The whole point of conference calling is to bring your associates together without a hefty travel expense to deal with. That being said, sound quality is of the utmost importance. Holding a conference call without being heard is more wasteful than coordinating a travel conference for your associates! Make sure that audio quality is at the top of your list.
Other factors you should consider are ease of administration, live web controls, and accessibility to the conference calls. Conference calling is all about bringing everyone together, but it is important that the call can hold all of the associates who need to be present. The call also needs to be held during times that are convenient to your business. This way everyone who needs to be present can be. With that being said, some associates need to speak while others only need to listen. This is where live web controls and easy administration give you full control of the call.
Finding conference calling companies is as easy as making a few phone calls or surfing the web. The key is to make sure the service you choose caters to your business needs and budget. Once you've determined what perks are right for you, you'll have no troubles weeding through the conference calling companies.
Let's start with billing. Many businesses prefer a flat rate as opposed to the toll free conference calling because they know exactly what to expect when its time to pay. But choosing between the two really depends on two major factors: what your budget will allow and how often you will use the service. Once you've made a decision between flat rate and toll free, you will knocked the selection in half and can focus on other factors involved in choosing a conference calling company.
From this point, you should make out a list of the perks you are looking for in conferencing. There are so many options today that it can be a bit overwhelming! Some perks are neccessary while others are considered fluff. This all depends on your business, your budget and what perks will benefit your business the most.
Here are a few things that you must consider. The audio quality is of extreme importance. The whole point of conference calling is to bring your associates together without a hefty travel expense to deal with. That being said, sound quality is of the utmost importance. Holding a conference call without being heard is more wasteful than coordinating a travel conference for your associates! Make sure that audio quality is at the top of your list.
Other factors you should consider are ease of administration, live web controls, and accessibility to the conference calls. Conference calling is all about bringing everyone together, but it is important that the call can hold all of the associates who need to be present. The call also needs to be held during times that are convenient to your business. This way everyone who needs to be present can be. With that being said, some associates need to speak while others only need to listen. This is where live web controls and easy administration give you full control of the call.
Finding conference calling companies is as easy as making a few phone calls or surfing the web. The key is to make sure the service you choose caters to your business needs and budget. Once you've determined what perks are right for you, you'll have no troubles weeding through the conference calling companies.
asbestos law suits
New York Mesothelioma Incidence
If one has never dealt with the realities of watching a loved one die of mesothelioma, and if one is not aware of the high medical costs of taking care of a mesothelioma victim, then some of the headlines seen about mesothelioma and mesothelioma lawsuits in the state of New York will seem outrageous. These are some of the headlines;
-New York city awarded 40 million dollars in Asbestos Lawsuits
-New York jury awards 16 million dollars to three rail road workers in a mesothelioma lawsuit.
-Lawyers file mesothelioma lawsuit for three family members.
The truth is that the medical costs of treating this deadly disease runs into hundreds of thousands of dollars per year.
Hundreds of people are diagnosed with mesothelioma every year. The sad but actual truth is that most industries that used asbestos used it, knowing fully well that they were exposing their workers to a very toxic and carcinogenic substance.
They purposely hid the dangers from the public in general and from their workers for decades. If those companies had made public what they what they knew about the substance and if they had provided the simplest of protection for their workers, thousands of husbands, fathers,and wives would not have have died in a painful, ugly manner that they died as result of mesothelioma.
What is Mesothelioma?
It is a form of cancer that is caused by exposure to asbestos fibers. It is, overall, a very rare form of cancer, but its incidence rises dramatically among those who work or have worked around asbestos. There have also been cases of mesothelioma among family members of those who worked with asbestos, and among residents of areas where factories and processing plants processed and mined asbestos and turned it into products that were sold nationally and internationally.
What is the basis of mesothelioma lawsuits?
Industry leaders have known since the early 1900s that exposure to asbestos dust often resulted in serious lung diseases. These companies chose to hide the dangers rather than protect their workers and the community from those dangers. Some of the larger companies went so far as to have their employees examined by company doctors and instructed the doctors to withhold diagnoses of lung disease from those who were ill.
Another company rejected a researcher’s suggestion that all workers who handled asbestos wear inexpensive paper filter masks because it would be bad for the company image and worry the workers. The history of deliberate neglect to preserve profits is documented in reports, memos, letters and files exchanged among the top executives and decision makers in those companies.
It is this history that is the basis of most lawsuits – that the industry knowingly and willfully ignored the knowledge of danger and put all of their workers at risk so that they could continue to profit from the sale of the dangerous substance. The fact that they knew of the danger and deliberately hid it from the public, their workers and the government makes them liable not only for compensation of medical expenses to those that were harmed, but for punitive damages as well.
What causes mesothelioma?
Exposure to asbestos has been undoubtedly linked to the development of mesothelioma. There is no other known cause, though there are certain factors that can increase the risk of developing mesothelioma. People that worked in industries where they handled asbestos in high quantities are most at risk, but there have been cases of the disease that were traced back to a few ,and sometimes even one single, exposure to asbestos dust. There are many of such industries in the state of New York, and there are many companies that manufactured products made with asbestos located in New York, and this probably accounts for the fact that there is a high incidence of mesothelioma cases in the state.
Anyone that worked in a New York shipyard, power plant or construction site during the 1970s and early 1980s, most likely was exposed to asbestos dust. Anyone that worked with cement pipes, wallboard, insulation, brake shoes, elevator brake shoes, fireproofing materials, fire curtains, adhesive compounds and many other products used in the construction industry, may have been exposed to asbestos. If you have a family member that worked in any of those industries or with those products, you may have been exposed to asbestos.
Your rights in a mesothelioma lawsuit;
If you have been diagnosed with mesothelioma or another asbestos-related disease, you can seek for compensation from those who were responsible for your exposure. It is your right to seek for compensation, so seek the services of a top mesothelioma lawyer in New York as soon as possible to discuss your case and the options available to you.
If one has never dealt with the realities of watching a loved one die of mesothelioma, and if one is not aware of the high medical costs of taking care of a mesothelioma victim, then some of the headlines seen about mesothelioma and mesothelioma lawsuits in the state of New York will seem outrageous. These are some of the headlines;
-New York city awarded 40 million dollars in Asbestos Lawsuits
-New York jury awards 16 million dollars to three rail road workers in a mesothelioma lawsuit.
-Lawyers file mesothelioma lawsuit for three family members.
The truth is that the medical costs of treating this deadly disease runs into hundreds of thousands of dollars per year.
Hundreds of people are diagnosed with mesothelioma every year. The sad but actual truth is that most industries that used asbestos used it, knowing fully well that they were exposing their workers to a very toxic and carcinogenic substance.
They purposely hid the dangers from the public in general and from their workers for decades. If those companies had made public what they what they knew about the substance and if they had provided the simplest of protection for their workers, thousands of husbands, fathers,and wives would not have have died in a painful, ugly manner that they died as result of mesothelioma.
What is Mesothelioma?
It is a form of cancer that is caused by exposure to asbestos fibers. It is, overall, a very rare form of cancer, but its incidence rises dramatically among those who work or have worked around asbestos. There have also been cases of mesothelioma among family members of those who worked with asbestos, and among residents of areas where factories and processing plants processed and mined asbestos and turned it into products that were sold nationally and internationally.
What is the basis of mesothelioma lawsuits?
Industry leaders have known since the early 1900s that exposure to asbestos dust often resulted in serious lung diseases. These companies chose to hide the dangers rather than protect their workers and the community from those dangers. Some of the larger companies went so far as to have their employees examined by company doctors and instructed the doctors to withhold diagnoses of lung disease from those who were ill.
Another company rejected a researcher’s suggestion that all workers who handled asbestos wear inexpensive paper filter masks because it would be bad for the company image and worry the workers. The history of deliberate neglect to preserve profits is documented in reports, memos, letters and files exchanged among the top executives and decision makers in those companies.
It is this history that is the basis of most lawsuits – that the industry knowingly and willfully ignored the knowledge of danger and put all of their workers at risk so that they could continue to profit from the sale of the dangerous substance. The fact that they knew of the danger and deliberately hid it from the public, their workers and the government makes them liable not only for compensation of medical expenses to those that were harmed, but for punitive damages as well.
What causes mesothelioma?
Exposure to asbestos has been undoubtedly linked to the development of mesothelioma. There is no other known cause, though there are certain factors that can increase the risk of developing mesothelioma. People that worked in industries where they handled asbestos in high quantities are most at risk, but there have been cases of the disease that were traced back to a few ,and sometimes even one single, exposure to asbestos dust. There are many of such industries in the state of New York, and there are many companies that manufactured products made with asbestos located in New York, and this probably accounts for the fact that there is a high incidence of mesothelioma cases in the state.
Anyone that worked in a New York shipyard, power plant or construction site during the 1970s and early 1980s, most likely was exposed to asbestos dust. Anyone that worked with cement pipes, wallboard, insulation, brake shoes, elevator brake shoes, fireproofing materials, fire curtains, adhesive compounds and many other products used in the construction industry, may have been exposed to asbestos. If you have a family member that worked in any of those industries or with those products, you may have been exposed to asbestos.
Your rights in a mesothelioma lawsuit;
If you have been diagnosed with mesothelioma or another asbestos-related disease, you can seek for compensation from those who were responsible for your exposure. It is your right to seek for compensation, so seek the services of a top mesothelioma lawyer in New York as soon as possible to discuss your case and the options available to you.
Mesothelimoa
Mesothelioma, more precisely malignant mesothelioma, is a rare form of cancer that develops from the protective lining that covers many of the body's internal organs, the mesothelium. It is usually caused by exposure to asbestos.[1]
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,[2] 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. It has also been suggested that washing the clothes of a family member who worked with asbestos can put a person at risk for developing mesothelioma.[3] Unlike lung cancer, there is no association between mesothelioma and smoking, but smoking greatly increases the risk of other asbestos-induced cancers.[4] Compensation via asbestos funds or lawsuits is an important issue in mesothelioma (see asbestos and the law).
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.
Signs and symptoms
Symptoms or signs of mesothelioma may not appear until 20 to 50 years (or more) after exposure to asbestos. Shortness of breath, cough, and pain in the chest due to an accumulation of fluid in the pleural space (pleural effusion) are often symptoms of pleural mesothelioma.
Symptoms of peritoneal mesothelioma include weight loss and cachexia, abdominal swelling and pain due to ascites (a buildup of fluid in the abdominal cavity). Other symptoms of Peritoneal Mesothelioma may include bowel obstruction, blood clotting abnormalities, anemia, and fever. If the cancer has spread beyond the mesothelium to other parts of the body, symptoms may include pain, trouble swallowing, or swelling of the neck or face.
These symptoms may be caused by mesothelioma or by other, less serious conditions.
Mesothelioma that affects the pleura can cause these signs and symptoms:
Chest wall pain
Pleural effusion, or fluid surrounding the lung
Shortness of breath
Fatigue or anemia
Wheezing, hoarseness, or cough
Blood in the sputum (fluid) coughed up (hemoptysis)
In severe cases, the person may have many tumor masses. The individual may develop a pneumothorax, or collapse of the lung. The disease may metastasize, or spread, to other parts of the body.
Tumors that affect the abdominal cavity often do not cause symptoms until they are at a late stage. Symptoms include:
Abdominal pain
Ascites, or an abnormal buildup of fluid in the abdomen
A mass in the abdomen
Problems with bowel function
Weight loss
In severe cases of the disease, the following signs and symptoms may be present:
Blood clots in the veins, which may cause thrombophlebitis
Disseminated intravascular coagulation, a disorder causing severe bleeding in many body organs
Jaundice, or yellowing of the eyes and skin
Low blood sugar level
Pleural effusion
Pulmonary emboli, or blood clots in the arteries of the lungs
Severe ascites
A mesothelioma does not usually spread to the bone, brain, or adrenal glands. Pleural tumors are usually found only on one side of the lungs.
Cause
Working with asbestos is the major risk factor for mesothelioma.[5] In the United States, asbestos is the major cause of malignant mesothelioma and has been considered "indisputably"[6] associated with the development of mesothelioma. Indeed, the relationship between asbestos and mesothelioma is so strong that many consider mesothelioma a “signal” or “sentinel” tumor.[7][8][9][10] A history of asbestos exposure exists in most 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. Some studies suggest that simian virus 40 (SV40) may act as a cofactor in the development of mesothelioma.[11]
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 official position of the U.S. Occupational Safety and Health Administration (OSHA) and the U.S. EPA is that protections and "permissible exposure limits" required by U.S. regulations, while adequate to prevent most asbestos-related non-malignant disease, they are not adequate to prevent or protect against asbestos-related cancers such as mesothelioma.[12] Likewise, 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 assumes that no such "safe" threshold exists. Others have noted as well that there is no evidence of a threshold level below which there is no risk of mesothelioma.[13] There appears to be a linear, dose-response relationship, with increasing dose producing increasing disease.[14] Nevertheless, mesothelioma may be related to brief, low level or indirect exposures to asbestos.[6] The dose necessary for effect appears to be lower for asbestos-induced mesothelioma than for pulmonary asbestosis or lung cancer.[6] Again, there is no known safe level of asbestos to asbestos as it relates to increased risk of mesothelioma.
The duration of exposure to asbestos causing mesothelioma can be short. For example, cases of mesothelioma have been documented with only 1–3 months of exposure.[15][16] People who work with asbestos wear personal protective equipment to lower their risk of exposure.
Latency, the time from first exposure to manifestation of disease, is prolonged in the case of mesothelioma. It is virtually never less than fifteen years and peaks at 30–40 years.[6] In a review of occupationally related mesothelioma cases, the median latency was 32 years.[17] Based upon the data from Peto et al, the risk of mesothelioma appears to increase to the third or fourth power from first exposure.[14]
Environmental exposures
Incidence of mesothelioma had been found to be higher in populations living near naturally occurring asbestos. For example, in central Cappadocia, Turkey, mesothelioma was causing 50% of all deaths in three small villages — Tuzköy, Karain and Sarıhıdır. Initially, this was attributed to erionite, a zeolite mineral with similar properties to asbestos, however, recently, detailed epidemiological investigation showed that erionite causes mesothelioma mostly in families with a genetic predisposition.[18][19] The documented presence of asbestos fibers 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 fibers.
[edit] Occupational
Exposure to asbestos fibers has been recognized as an occupational health hazard since the early 1900s. Numerous epidemiological studies have associated occupational exposure to asbestos with the development of pleural plaques, diffuse pleural thickening, asbestosis, carcinoma of the lung and larynx, gastrointestinal tumors, and diffuse malignant mesothelioma of the pleura and peritoneum. Asbestos has been widely used in many industrial products, including cement, brake linings, gaskets, roof shingles, flooring products, textiles, and insulation.
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.
Paraoccupational secondary exposure
Family members and others living with asbestos workers have an increased risk of developing mesothelioma, and possibly other asbestos related diseases.[20][21] This risk may be the result of exposure to asbestos dust brought home on the clothing and hair of asbestos workers. To reduce the chance of exposing family members to asbestos fibres, asbestos workers are usually required to shower and change their clothing before leaving the workplace.
Asbestos in buildings
Many building materials used in both public and domestic premises prior to the banning of asbestos may contain asbestos. Those performing renovation works or DIY 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.
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,[2] 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. It has also been suggested that washing the clothes of a family member who worked with asbestos can put a person at risk for developing mesothelioma.[3] Unlike lung cancer, there is no association between mesothelioma and smoking, but smoking greatly increases the risk of other asbestos-induced cancers.[4] Compensation via asbestos funds or lawsuits is an important issue in mesothelioma (see asbestos and the law).
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.
Signs and symptoms
Symptoms or signs of mesothelioma may not appear until 20 to 50 years (or more) after exposure to asbestos. Shortness of breath, cough, and pain in the chest due to an accumulation of fluid in the pleural space (pleural effusion) are often symptoms of pleural mesothelioma.
Symptoms of peritoneal mesothelioma include weight loss and cachexia, abdominal swelling and pain due to ascites (a buildup of fluid in the abdominal cavity). Other symptoms of Peritoneal Mesothelioma may include bowel obstruction, blood clotting abnormalities, anemia, and fever. If the cancer has spread beyond the mesothelium to other parts of the body, symptoms may include pain, trouble swallowing, or swelling of the neck or face.
These symptoms may be caused by mesothelioma or by other, less serious conditions.
Mesothelioma that affects the pleura can cause these signs and symptoms:
Chest wall pain
Pleural effusion, or fluid surrounding the lung
Shortness of breath
Fatigue or anemia
Wheezing, hoarseness, or cough
Blood in the sputum (fluid) coughed up (hemoptysis)
In severe cases, the person may have many tumor masses. The individual may develop a pneumothorax, or collapse of the lung. The disease may metastasize, or spread, to other parts of the body.
Tumors that affect the abdominal cavity often do not cause symptoms until they are at a late stage. Symptoms include:
Abdominal pain
Ascites, or an abnormal buildup of fluid in the abdomen
A mass in the abdomen
Problems with bowel function
Weight loss
In severe cases of the disease, the following signs and symptoms may be present:
Blood clots in the veins, which may cause thrombophlebitis
Disseminated intravascular coagulation, a disorder causing severe bleeding in many body organs
Jaundice, or yellowing of the eyes and skin
Low blood sugar level
Pleural effusion
Pulmonary emboli, or blood clots in the arteries of the lungs
Severe ascites
A mesothelioma does not usually spread to the bone, brain, or adrenal glands. Pleural tumors are usually found only on one side of the lungs.
Cause
Working with asbestos is the major risk factor for mesothelioma.[5] In the United States, asbestos is the major cause of malignant mesothelioma and has been considered "indisputably"[6] associated with the development of mesothelioma. Indeed, the relationship between asbestos and mesothelioma is so strong that many consider mesothelioma a “signal” or “sentinel” tumor.[7][8][9][10] A history of asbestos exposure exists in most 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. Some studies suggest that simian virus 40 (SV40) may act as a cofactor in the development of mesothelioma.[11]
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 official position of the U.S. Occupational Safety and Health Administration (OSHA) and the U.S. EPA is that protections and "permissible exposure limits" required by U.S. regulations, while adequate to prevent most asbestos-related non-malignant disease, they are not adequate to prevent or protect against asbestos-related cancers such as mesothelioma.[12] Likewise, 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 assumes that no such "safe" threshold exists. Others have noted as well that there is no evidence of a threshold level below which there is no risk of mesothelioma.[13] There appears to be a linear, dose-response relationship, with increasing dose producing increasing disease.[14] Nevertheless, mesothelioma may be related to brief, low level or indirect exposures to asbestos.[6] The dose necessary for effect appears to be lower for asbestos-induced mesothelioma than for pulmonary asbestosis or lung cancer.[6] Again, there is no known safe level of asbestos to asbestos as it relates to increased risk of mesothelioma.
The duration of exposure to asbestos causing mesothelioma can be short. For example, cases of mesothelioma have been documented with only 1–3 months of exposure.[15][16] People who work with asbestos wear personal protective equipment to lower their risk of exposure.
Latency, the time from first exposure to manifestation of disease, is prolonged in the case of mesothelioma. It is virtually never less than fifteen years and peaks at 30–40 years.[6] In a review of occupationally related mesothelioma cases, the median latency was 32 years.[17] Based upon the data from Peto et al, the risk of mesothelioma appears to increase to the third or fourth power from first exposure.[14]
Environmental exposures
Incidence of mesothelioma had been found to be higher in populations living near naturally occurring asbestos. For example, in central Cappadocia, Turkey, mesothelioma was causing 50% of all deaths in three small villages — Tuzköy, Karain and Sarıhıdır. Initially, this was attributed to erionite, a zeolite mineral with similar properties to asbestos, however, recently, detailed epidemiological investigation showed that erionite causes mesothelioma mostly in families with a genetic predisposition.[18][19] The documented presence of asbestos fibers 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 fibers.
[edit] Occupational
Exposure to asbestos fibers has been recognized as an occupational health hazard since the early 1900s. Numerous epidemiological studies have associated occupational exposure to asbestos with the development of pleural plaques, diffuse pleural thickening, asbestosis, carcinoma of the lung and larynx, gastrointestinal tumors, and diffuse malignant mesothelioma of the pleura and peritoneum. Asbestos has been widely used in many industrial products, including cement, brake linings, gaskets, roof shingles, flooring products, textiles, and insulation.
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.
Paraoccupational secondary exposure
Family members and others living with asbestos workers have an increased risk of developing mesothelioma, and possibly other asbestos related diseases.[20][21] This risk may be the result of exposure to asbestos dust brought home on the clothing and hair of asbestos workers. To reduce the chance of exposing family members to asbestos fibres, asbestos workers are usually required to shower and change their clothing before leaving the workplace.
Asbestos in buildings
Many building materials used in both public and domestic premises prior to the banning of asbestos may contain asbestos. Those performing renovation works or DIY 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.
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