Thursday, May 31, 2007

Private Equity


Private Equity: How it Works
Private equity funds are set up as limited partnerships. These limited partnerships are controlled by private equity companies that are the general partner in the limited partnership. The private equity company encourages individuals and institutions to invest in the private equity fund. This way, the investors become limited partners, though the general partner controls the company management. When the general partner thinks that a particular investment is feasible, it asks the limited partner to invest the amount it guaranteed. The general partner chooses the investment portfolio of the partnership, while the limited partner provides funds for investing. The limited partner, or investor, in turn profits through sales, mergers, recapitalization or initial public offering.

Home Equity vs. Refinance

1. Second Mortgages usually have an interest rant that is twice or even three times as high as your first mortgage rate. You can refinance instead and keep a very low rate. In the long run a second mortgage will just cost you money in interest charges.2. Home equity lines of credit are designed for mortgage account executives (salespeople) to sell you on using it like a credit card attached to your home. They will try to convince you to use it over and over again.3. A refinance loan is better for the equity in your home. Very few companies will refinance your home at 100% of it’s value without forcing you to take out a second mortgage. You don’t want to use 100% of your equity because that means you no longer have that equity to fall back on in emergency situations.4. Second Mortgages and Home Equity lines of credit are designed to provide account executives (salespeople) with another tool to sway you into putting another commission in their pocket.5. Your equity is a precious thing and should not be used for unnecessary add ons or impulse buys. If you don’t need it and there is even a slight chance you can’t afford it, then don’t get a second mortgage to buy it.
The only reason that I would ever recommend a second mortgage or a home equity line of credit is in an emergency situation. Only when there is no other option and you must take out a loan would I recommend either one of these options.

Wednesday, May 30, 2007

Is smokeless tobacco safe to use?




The tobacco companies give the impression that it is a safe alternative to cigarette smoking but smokeless tobaccos, like cigarettes, are sometimes more addictive and contain high concentrations of cancer-causing chemicals.
The tobacco industry estimates that 24 million americans use smokeless tobacco products. Smokeless tobacco sales have increased above 30% in the past ten years, while cigarettes, and other smoked tobacco usage has actually declined. It has been predicted by industry analysts that smokeless tobacco usage could double over the next few years. Why? Because health-conscious americans are looking for alternatives to smoking.
There are about 30,000 cases of oral cancer are discovered each year in the United States alone, causing about 9,000 deaths. Men over 40 are the most frequently struck while the ratio of oral cancer is 3 to one between males than females. Women use smokeless tobacco but tend to do so in private.

कैंसर





Cancer prevention and control requires you to focus on every part of the human body. Today's media tends to direct its attention on issues such as breast and prostate cancer, but another deadly form of the disease that affects Americans is cancer of the bladder. When it comes to preventing cancer, industrial nations need to start concentrating on bladder cancer control.
The American Cancer Society discusses four types of bladder cancer people can develop. They are urothelial carcinoma, squamous cell carcinoma, adenocarcinma, and small cell cancer. Each type of bladder cancers is treated differently; and patients are urged to consult with their doctors before beginning any regimen.
Cancer of the bladder can be detected early by recognizing certain symptoms such as blood in the urine or a sudden change in your bladder habits. If you are experiencing any other abnormalities, such as excessive pain, you should see your doctor immediately. If you are having trouble with bladder pain control, it could be a warning sign of a growing tumor.
If you want to start practicing cancer prevention and control, you should stop harmful habits. Smoking is the leading cause in bladder cancer, and the American Cancer Society reports that smokers develop this disease twice as often as individuals who don't have this habit.
This organization also reports men are more likely to develop bladder cancer than women. Other factors can contribute to this disease, such as age, race and family history. Urologychannel.com reports people over the age of seventy are two to three times more likely to develop bladder cancer than those in their fifties or younger.
Although research has not found a definite link to what causes this disease, there is enough evidence to support making positive changes in your lifestyle as a way to lower your risks.
If you do develop bladder cancer, there are options for treating this disease. You can choose from several different surgeries, depending on the aggression and stage of your cancer. These can range from a partial removal of the bladder to having the entire organ extracted from the body.
If you are in the earlier stages of this type of cancer, you could opt for immunotherapy, chemotherapy or radiation therapy treatments. After receiving your initial treatment, it is important to receive follow-ups to ensure the cancer does not return.
If you do have a relapse of your cancer, there are new tests and treatments out to help determine the stage and severity of it. The American Cancer Society discusses on the web site two new tests able to detect tumor cells by using urine samples.
A new treatment for cancer relapses is a PDT, or photodynamic therapy test. This method involves injecting a chemical into the body which clings to tumor cells in the bladder. A laser is then used to kill the tumor cells and eliminate the cancer.
As research continues for this disease, better advancements in treatments and early detections will be released to help fight this deadly killer.
With all the information available to day about cancer, there is good reason why you should advocate cancer prevention and control in your life. This is especially true for cancers that are not discussed frequently in the news, such as bladder cancer.
Preventing any kind of cancer involves maintaining a healthy lifestyle with plenty of exercise, a well-balanced diet and avoiding habits such as smoking.

Monday, May 28, 2007

Do you really know what you are smoking with every puff?


Do you really know what you are smoking with every puff? I always thought it was just tobacco. Boy was I wrong.
There are over 4,000 chemical compounds present in cigarette smoke, and many of these compounds are confirmed carcinogens. Here is a partial listing of some of the toxins you are taking into your body every time you inhale smoke from a cigarette.
Toxins You Intake In Every Puff:
* Acetone - This is a chemical manly used in finger nail polish remover
* Ammonia - The same stuff janitors use to clean the bathrooms to kill off bacteria’s and odor
* Arsenic - One of the main ingredients in rat / mouse poison.
* Butane - Key part in the creation of lighter fluid
* Cadmium - The most active component in battery acid
* Carbon Monoxide - The same gas released from your car's exhaust system
* DDT/Dieldrin - A poison used in commercial insecticides
* Ethanol - More commonly known as alcohol
* Hydrogen Cyanide - yet another lethal poison
* Methane - The gas released from your bowels (what a nice thought)
* Methanol - A component in making rocket fuel
* Naphthalene - One of the ingredients used in mothballs
* Nicotine - Yet another insecticide, and a highly addictive substance. The legal drug.
* Stearic Acid - a compound found in candle wax
* Toluene - An industrial strength cleaning solvent
Take a second look at this list and just imagine the kind of damage you are doing to your body with every puff. I find it amazing that such a collection of destructive chemicals can be legally packaged and sold in your local convenient store.
Marek!

Helth&cigaretes

TOBACCO & HEALTHY IN THE WORLD

Introduction
Health and education are the basis of economic productivity. Healthy
populations are critical for poverty reduction, economic growth and long-term
development.
In addition to the traditional burden of communicable diseases, developing
countries today are faced with a huge increase in noncommunicable diseases, mental
illness and violence and injuries. Tobacco is a major contributor to these diseases,
which now account for more than half the disease burden in those countries. This
alarming increase threatens to undermine their economic and social development.
Tobacco is cultivated in many regions around the world and can be legally
purchased in all countries. The dried leaf of the plant Nicotiana tabacum is used for
smoking, chewing or snuff. Contrary to what many believe, tobacco use and its
attributable deaths are not a bane that afflicts developed countries primarily.
In June 1995, representatives of 22 international organizations and other
individuals met in Bellagio to examine the implications of current global trends in tobacco
production and consumption for sustainable development, especially in developing
countries. The meeting participants concluded that tobacco posed a major challenge
not just to health but to social and economic development and environmental
sustainability. The participants recommended that tobacco control be more widely
recognized as a development priority, and expressed concern that it was not on the
agenda of most development agencies.1


Health impact and burden of disease
attributable to tobacco usei
Currently, an estimated 4.9 million deaths per year are caused by tobacco.
Without further action, it is predicted that in 2020 the mortality burden attributable to
tobacco will increase two-fold. Approximately 70% of these deaths will occur in
developing countries. Together with HIV/AIDS, tobacco use is the fastest growing cause
of death in the world and is set to become the leading cause of premature death in the
2020s.
The past few decades have seen dramatic increases in smoking in developing
countries, especially among males.2 This contrasts with steady but slow decreases,
mostly among males, in many industrialized countries. Smoking rates are on the rise
in some low and middle income countries, especially among young people and women,
and they remain relatively high in most of the former socialist economies. Smoking
substantially increases the mortality risk from lung cancer, upper aerodigestive and other
cancers, heart disease, stroke, chronic respiratory disease and a range of other medical
conditions (see Table 1).3 In populations where smoking has been common for many
decades, tobacco use accounts for a substantial proportion of all mortality.4
Recent epidemiological studies illustrate the magnitude of the tobacco epidemic
in developing countries. In China, for example, if current smoking patterns persist,
approximately 100 million of the 300 million Chinese males now aged 0-29 will die as
a result of tobacco use. Significantly, tobacco use was found to be a major cause of the
mortality caused by tuberculosis in China. Tobacco’s adverse effects are not limited to
cigarette-smoking. In India, bidi smoking and tobacco quid chewing were shown to play
a significant role in the development of fatal diseases.5
Table 1: Tobacco use related diseases
Principal diseases caused in part by smoking
Cancers of mouth, pharynx and larynx
Cancer of oesophagus
Cancer of lung
Cancer of pancreas
Cancer of bladder
Ischaemic heart disease
Hypertension
Myocardial degeneration
Pulmonary heart diseasea
Other heart disease
Aortic aneurysm
Peripheral vascular disease
Arteriosclerosis
Cerebral vascular disease
Chronic bronchitis and emphysema
Pulmonary tuberculosis
Asthma
Pneumonia
Other respiratory disease
Cancer of lip
Crohn's disease
Cancer of nose
Osteoporosis
Cancer of stomach
Periodontitis
Cancer of pelvis of kidney
Tobacco amblyopia
Cancer of body of the kidney
Age-related macular degeneration
Myeloid leukaemia
Reduced fecundity
Reduced growth of fetus
Each day more than 13,000 people die prematurely because of tobacco use.
This figure is expected to almost double by the year 2020. Countries at all levels of
development are victims of the tobacco epidemic. The health impact alone of tobacco
warrants significant investment in strong tobacco control programmes. However, the
health consequences of tobacco use are only one facet of the tobacco epidemic. The
following factors heighten the importance of acting swiftly:
· The poor and uneducated are more likely to be victims of tobacco use;
· The burden of disease associated with tobacco use is increasingly borne by
developing countries;
· Tobacco use can contribute to malnutrition;
· The growing of tobacco leaves can have devastating health consequences
for farmers, and workers –especially children:
· Tobacco farming has been shown to contribute to deforestation;
There are signs of hope. Just recently the Organisation for Economic Cooperation
and Development (OECD) Development Assistance Committee (DAC)
adopted a key Reference Document on Poverty and Health which specifically mentions
the profound effect of tobacco use on poverty and malnutrition in low-income countries,
when poor families purchase addictive tobacco rather than food. In the words of Dr Gro
Harlem Brundtland, the time has come to "involve the highest levels of Government and
the highest levels of opinion leaders in their efforts to build on the present momentum,
secure commitment, and reap the significant health and economic benefits that can be
achieved from a reduction in tobacco use."