Ini Kesaksian Para Perwira Yang Pernah Ikut Latihan 'G!la' Kopaska

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.

“We’re going to go through a quick, ten- to 15-minute personal health assessment,” said Jay Jackson, vice president of Abacus Life Settlements in Orlando. “There are no right or wrong answers.” We were on the phone, doing an interview that would determine whether this company might offer to buy the life insurance policy — face value: $150,000 — that I’d bought decades ago. I actually had no interest in selling, to Abacus or to any other so-called life-settlement provider. But I wanted to see how the process would unfold if I did. So the questions began, with Mr. Jackson asking in a conversational way about my age, smoking history, marital status, ability to handle my daily activities. How old were my parents when they died? What type of exercise did I do? Any falls or dizziness in the last six months? It comes as a surprise to many older adults that the life insurance policies they’ve been paying premiums on for years might bring them money while they’re still alive. If a life-settlement company likes its odds of turning a profit, it will buy the policy, paying out more than the policy’s cash value — the amount received if the policy were canceled — but less than the face value, or death benefit. Subscribe to The Times The firm acquires the policy and continues paying the premiums. Then the company (or a big investor who buys bundles of policies) collects when the seller dies. It’s something like a reverse mortgage, but on your life instead of your house. “There are so many seniors sitting on these assets, and they’re throwing them away,” said Chris Orestis, executive vice president of GWG Life, who points out that most Americans simply let policies lapse. For now, life settlement remains a seldom-used option. About 1,650 Americans received settlements for their policies last year, according to statistics compiled annually by journalist Donna Horowitz for The Deal, a financial publication. Where Facebook Rumors Fuel Thirst for Revenge But the industry, which previously targeted the very affluent, has begun courting middle-class people who own policies with face values of $100,000 to $500,000. Moreover, in a business once heavily reliant on brokers as intermediaries, several companies now market directly to consumers — like Coventry, the largest life-settlement provider, which runs national TV ads. GWG Life works with nursing homes and assisted living chains to reach people contemplating the daunting costs of long-term care. The policyholder can set up an irrevocable bank account to funnel the proceeds of the sale directly to a care provider. The company’s strategy, as articulated by Mr. Orestis: “When a family walks into a community and says, ‘Jeez, we can’t afford this,’ everyone in the long-term care industry should say, ‘Do you have a life insurance policy?’” Odds are, then, that you’ll be hearing more about this possibility. A business that began with so-called viatical settlements at the height of the AIDS epidemic is now coming after older adults. Sometimes, selling makes sense. Older people may no longer need life insurance bought to protect a spouse who has since died or children who have reached financial independence. Perhaps rising premiums have become a financial struggle or other needs have grown more pressing. At that point, most policyholders just stop paying premiums. They take the modest cash value, if there is any; if it’s a term life policy, there is no cash value. In any event, the insurer never pays a death benefit, an advantage the insurance industry has come to rely on. “Insurance companies make money when people give up their policies,” said Kent Smetters, an economist at the University of Pennsylvania’s Wharton School, who has written about life settlement. “Now the life-settlement guys are coming in and offering better deals.” Why sell a policy for a fraction of what it would bring your heirs? One Texan who sold his policy to Abacus took his family on an around-the-world cruise, Mr. Jackson said. But most use life settlements not for luxuries or fantasies, but for medical treatment or living expenses. How much a policy will fetch depends on its face value and premiums (settlement companies buy whole life, universal life, term insurance or hybrids), as well as on your life expectancy. That explains Mr. Jackson’s questions about my health. The industry calls this “reverse underwriting.” When you buy life insurance, companies offer a better deal if you’re young and healthy. To get an attractive price when you want to unload that policy years later, it helps to be old and sick. Life-settlement companies and their investors don’t want to hold onto your policy, paying the premiums, for more than seven to 10 years. “The longer your life expectancy, the lower your offer,” Ms. Horowitz said. But if your policy looks profitable, a life settlement typically amounts to 20 to 30 percent of its death benefit. That may represent a better deal than simply surrendering a policy, but it isn’t necessarily smarter than keeping it in force. If you need money immediately and have a policy with cash value, you can borrow against it. If high premiums have become problematic, your beneficiaries might want to take over the payments to receive the face value upon your death. Moreover, while a death benefit flows to your beneficiaries tax-free, life-settlement proceeds are taxable, to the extent they exceed what you have paid in premiums. And owning or selling the policy could stall or complicate the process of qualifying for Medicaid. Then there’s the question of how much a broker, who submits your information to several life-settlement companies, will take in commission — generally 20 to 30 percent of the price a company offers. You could avoid that by approaching several settlement companies directly, going through interviews, supplying documentation and then comparing offers. But some policyholders will appreciate having someone shepherd them through the process, especially given the industry’s somewhat dodgy past. Sellers found it hard to ascertain whether they were receiving a fair price, for instance, and how much of it a broker was pocketing, the federal Government Accountability Office reported in 2010. In response, 43 states have adopted life-settlement regulations, usually requiring that companies be licensed and make consumer disclosures. “The industry cleaned itself up a lot,” Dr. Smetters said. “But caution is appropriate.” State regulations differ, and it still requires legwork and fine-print reading to know how much you’ll walk away with and to determine what’s in your interest. “You have to really understand the contract you’re signing,” Dr. Smetters said. “If I were doing this, I’d try to find out who the major companies are and call myself. But I’d also sit down with a fee-only financial adviser experienced in this area and do the analytics. Is this a good deal?” So, caution advised. But simply walking away, surrendering a policy you’ve already paid a lot for, rarely represents the best option. “If my policy is worth $100,000 the day I die, is it worth nothing the day before?” said Darwin Bayston, chief executive of the Life Insurance Settlement Association, a trade group. “The answer is no.” After Mr. Jackson and I finished the interview, he cheerfully informed me, “There’s almost no probability we’d buy your policy.” My life expectancy, according to Abacus models, is another 280 months, or 23-plus years. No life-settlement provider or investor wants to hold onto a policy and pay premiums for that long before seeing a payoff. The premiums on my whole-life policy are low and won’t increase. So I’ll keep writing semiannual checks for now, hoping my family will pocket the death benefit. Still, scary news from an oncologist or simply the passage of time could upend that plan. Life settlement still looks somewhat tricky to navigate, but it’s an option to keep in mind.
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