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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.

How to Manage Payment Streams Sure, most of us wouldn’t turn down an extra source of income – but that doesn’t mean that having an additional payment stream from an annuity is always a walk in the park. Managing payment streams is starkly different from spending traditional income sources. They require careful consideration from a financial planning standpoint, and that’s one reason some people approach them differently than other forms of income. Mental Accounting Barbara Friedberg, author and former portfolio manager, said understanding payment streams comes from a behavioral finance concept called “mental accounting.” For instance, structured settlements owners often get larger payments in addition to their monthly payment stream. Often those are structured with the owner getting say for example $1,000 a month, with a larger payment of $5,000 every 5 years. “An individual might view income from a paycheck, differently than money from an annuity,” Friedberg said. Mental accounting is mental gymnastics we do when we get money we didn’t expect and use the source of the money as an excuse to use it more frivolously than we normally would. That mindset can lead to poor financial decisions. In the case of the structured settlement owner, this could make them feel overly comfortable accumulating high interest debt because they know they can pay it off when their larger payments arrive. However, this traps the person in a loop of acquiring high interest debt and then paying it off – wasting a good portion of their payment on finance charges. As Investopedia puts it, mental accounting has “an often irrational and detrimental effect on consumption decisions and other behaviors.” It’s a mistake to view a payment stream exclusively as extra or throw away cash, Friedberg said. “Don’t look at your annuity income as a windfall to be squandered, but as money to add to a sensible financial plan,” she said. “In other words: Don’t blow it!” Bring in the Experts That sensible plan doesn’t have to be something you make on your own, according to Bryan Slovon, founder and CEO of Stuart Financial Group. He recommends getting help from a professional, especially in the case of retirement annuities. Most people with payment streams need guidance on managing their budgets – and the streams – so that the additional income can be used for the purpose intended, like retirement living expenses or medical bills following the awarding of a structured settlement. If possible, before even purchasing an annuity, someone in this position should know the ins and outs of what they’re getting themselves into Slovon said. “With an annuity, once properly structured, you can guarantee income not only for your life, but for your spouse as well,” Slovon said. Slow and steady wins the race when it comes to financial planning. Slovon said the worst mistake someone can make is committing to an income stream without consulting carefully with a fiduciary advisor to review their entire financial situation. “Once these monies are committed to a settlement there is no longer a lump sum of monies, just whatever payout you have agreed to in the contract,” he said. Then, once the stream of payments starts, Slovon said it’s important to keep checking in with their advisor. “Someone already receiving annuity income in retirement should be meeting with their fiduciary advisor to review their entire financial situation at least on an annual basis,” he said. Pitfalls and Mistakes In the same way you don’t want to live paycheck to paycheck, you shouldn’t be living annuity payment to annuity payment. For many, annuity payments are meant to pay for living expenses, but be prepared for unexpected money needs to come up. “Always make conservative income projections when making financial projections,” Friedberg said. You never want to be in a situation where necessities like mortgage payments, credit card bills and taxes go unpaid. The consequences of mismanaged financial projects can last for years in the form of bad credit scores and, as a result, higher finance charges across the board in the form of higher interest rates and deposits. For instance, take the former example of a structured settlement owner who gets $5,000 every 5 years. When you take into account that the average American has $15,263 in credit card debt, a 33% APR due to missed payment could cost you $5,036 in finance charges in a year – which in one year eats up the whole payment they were expecting for five years. The best thing to do is to sit down and plan a safe, manageable budget to avoid making critical money mistakes. “A lot of the time, people get into a spending mindset or feel burdened with the responsibility of managing the money,” Slovon said. “But at the end of the day, the most important thing is to take your time.” Still a Solid Option Annuities tackle two big fears among retirees: running out of money and losing money in risky investments. And for structured settlement owners, they can be a secure financial base after unfortunate life events. Both types of owners should feel confident in their financial outlook and empower themselves to put their payment streams can be put to good use. “In general, when you receive a payment stream from an annuity or structured settlement you know how much you’ll receive and when,” Friedberg said. “With income from other sources, such as dividends or capital gains, the amount may be uncertain.” That certainty makes annuities a wonderful asset Slovon said. “Payment streams like structured settlements or immediate annuities can be great tools in one’s financial toolbox,” Slovon said. “They can guarantee cash flow for the rest of a person’s life – no matter how long they live.”

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