technology topics: May 2012

Thursday, May 31, 2012

Summer Heat, Anniversaries and Black Bloggers | The Young ...

Summer Heat, Anniversaries and Black Bloggers

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Wednesday, 30 May 2012 21:38

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Colonoscopy Not by Bill Sardi

Colonoscopy Not

by Bill Sardi

Recently by Bill Sardi: Growing Up Poor Helped Make Me Rich

I frequently receive inquiries about colonoscopies. People want to know whether they are worthwhile. Certainly colonoscopy, the passage of a fiber optic tube into your intestinal tract to examine for pre-cancerous growths (called polyps) or to directly detect observable tumors in the colon or rectum, is a hard sell. Not only is colonoscopy an ordeal for the patient, a weak economy is forcing more patients to forego this diagnostic procedure as it does cost a few hundred dollars out of pocket. So is the recent news that colonoscopy cuts the death risk for colon cancer in half enough to get 50-plus-year-olds to part with their money and endure this uncomfortable procedure?

The bigger problem is not affordability or discomfort during the procedure, the problem is that, regardless of what you are told by doctors or what you read in news reports, colonoscopy offers implausible benefits.

First, patients are supposed to buy into the idea that detection and removal of intestinal polyps is life saving. But colonoscopy does nothing to prevent polyps from recurring. One study reported more than 40% of the time a surgically removed polyp does in fact return.

Second, do polyps equate with cancer? Colon cancer may emanate from flat growths that simply cannot be detected during colonoscopy. Even the best trained physician may not be able to detect the smallest polyps which is the entire reason for the test, to detect precancerous growth at their earliest stage of development. Even then, the best-trained physician can miss small tumors in the colon. The miss rate for the smallest growths (less than 5 millimeters in size) is around 25%. In one study of 2079 patients who underwent colonoscopy, colon cancer was detected in 13 patients, 7 (58%) who undergone prior colonoscopy and whose cancers were missed or were incompletely removed.

Physicians are likely to give the false impression that the removal of a polyp saved your life. But only between 1 in 10 and 1 in 100 polyps (adenomas) are cancerous. In one study, 1235 colonoscopies were examined and yielded a total of 1933 small or diminutive cancerous polyps. A pathologist found cancer in a biopsy tissue slide in 10.1% of small adenomas (5-10 millimeters in size) and 1.7% of diminutive adenomas (less than 4 millimeters). About 99% of surgically removal polyps are benign.

Third, the recent news that colonoscopy cut the death rate for colon cancer in half may not apply to the population at large. The patient population in that study was comprised of patients who were already known to have intestinal polyps. Colonoscopy needs to be performed on over 10,000 higher-risk patients to save just one life.

Fourth, earlier detection of colon cancer may make it appear that patients are living longer, but actually early detection and treatment of colon cancer just informs the patient and doctor that cancer is there at an earlier point in time. Typical 5-year survival rates are estimated to be 45-60% of the patients undergoing surgical removal of a tumor. Sadly, colon cancer patients are still dying on the same calendar day.

If the doctor detects a malignant mass in your intestines during colonoscopy, survival is only about 2 years regardless of what treatment is rendered. There is treatment for colon cancer, but no cure. A fact not discussed with patients is that chemotherapy and radiation treatment cannot penetrate a solid tumor like those found in the colon. Surgical removal of a malignant mass in the colon only slows down tumor growth. It is not a cure. None of these treatments deal with the cause of the problem.

The rectal cancer recurrence rate following surgical removal of a tumor ranges from 4% to 55% and depends upon the aggressiveness of treatment. Cancer surgeons know they can perform more aggressive surgery that improves survival removes nerves and surrounding organs that leave the patient with urinary and sexual dysfunction. Recurrence rate is reduced to 5-10% and 5-year survival is achieved 70-80% of the time with more aggressive treatment. But the patient may feel life is not worth living.

Yes, certainly, the rationale for screening for colon/rectal cancer is that up to 90% can achieve prolonged survival if their cancer is detected in the earliest stage of development. That is the figure that is advertised. But in reality, about 65% are detected with advanced disease (stage IV) that has a dire prognosis (6% survive 5 years).

A more accurate picture of survival rates is provided by a European report. In a review of 1073 patients who had undergone surgery for colon-rectal cancer, only 31 had more than a 5-year survival rate and 7 lived more than 10 years. Rectal cancer had a 5-year survival rate of about 5% compared to 1% for colon cancer. Half of these long-term survivors had no additional treatment.

Fifth, while gastroenterologists lament that only half of the adult population that should be screened for colon cancer actually undergo colonoscopy, surveys show physicians themselves, even gastroenterologists, often don?t undergo this exploratory procedure, often saying they are too busy.

Sixth, that there is a benefit to colonoscopy is statistically remote. Since about 25% of patients undergoing colonoscopy have polyps, it would take about 4500 patients to be screened to find these recurrent colon tumors if all polyps found were malignant. However, only about 1-2 percent of polyps are malignant, so it would require over 110,000 patients to be screened to find 1134 malignant polyps and at least 3000 subsequent colonoscopies to find another 5 tumorous polyps over a 7-year follow-up period.

It is estimated 50% of people over age 60 will develop at least one polyp, and discovery and removal of polyps may give patients the false impression their life has been saved. Colonoscopy maybe saves 1 in 100 of these patients.

The American Cancer Society (ACS) set a nationwide goal to increase to 75% by 2015 the proportion of people aged 50 and older who have colorectal cancer (CRC) screening, but doctors seem to know better. A survey of physicians in Wisconsin found only 38.2% of doctors would screen a moderate-risk patient.

If there is some advantage to undergoing colonoscopy, I haven?t been able to find it.

Part II: Thinking About Prevention of Colon/Rectal Cancer

In my previous blog I wrote about the implausibility of any benefit from colonoscopy. So people ask: "what are we to do?" Family members of loved ones who have succumbed to colon/rectal cancer are particularly concerned about prevention.

The good news is that colon cancer varies by 20 times among countries. The diet plays a much stronger role than heredity. North American and European Countries have the highest rates, India the lowest. The obvious factors involved (smoking, sunlight/vitamin D, meat/iron intake) are mostly ignored by modern medicine. Inherited predisposition for colon cancer accounts for only 5% of all cases. But this less frequent genetic form of colon cancer receives great attention.

Almost half of all patients thought "cured" of colon cancer develop recurrence within 5 years ? usually due to undetected spread of their cancer. This begs for prevention. Preemptive measures to ward off the occurrence of cancer appear to be a more productive course than undergoing repeated colonoscopies which most of the time detect inconsequential polyps or large invasive Stage IV tumors that have a dire prognosis. The most promising treatments never address the cause of the disease.

Space is limited here so I must briefly present bullet points.

Smoking increases colon cancer risk by 3-fold compared to never-smokers. [International Journal Cancer 91: 585-87, 2001]
Smoking and drinking alcohol further increases the risk for colon cancer. Data shows that alcohol and tobacco users developed cancer an average of 7.8 years earlier than those who had never drank or smoked.
A high-saturated fat diet increases the risk for colon cancer by 4-fold compared to a high-fat diet that includes fish oil.
Omega-6 oil, such as provided in corn and safflower oil, is known to enhance the growth of tumor cells, whereas omega-3 oils, such as from fish or flaxseed oil, have the opposite effect. This has also been found specifically for colon cancer.
Mice that are genetically prone to develop intestinal polyps, a precursor of colon cancer, hardly develop them at all when given omega-3 oil.
Studies have demonstrated a reduced risk of colon cancer when populations with diets high in total fat switched to a diet high in total fiber and certain whole-grain foods. Researchers indicate the source of fiber needs to be considered. Bran appears to inhibit colon cancer more consistently than other sources of fiber.
Refined grain intake actually increases the risk for colon cancer.
Olive oil also appears to cut the risk for colon cancer in half.
The combination of iron and fat in the diet increases the risk for rectal cancer by 330%! The combination of fat plus high-dose iron from red meat or iron pills may be problematic.
In a study conducted in Japan, it was found that red meat increases the risk for colon cancer in men and in women, while daily coffee drinking reduces the risk for colon cancer.
Decades ago supplemental vitamin C was shown to reduce polyps among patients who are genetically prone to colon cancer (familial polyposis). When 3000 milligrams of vitamin C was given to five patients who had rectal adenoma polyps following surgery. Rectal polyps disappeared in two patients, regressed partially in two and increased in only one.
A 50% reduction in colon cancer risk can be achieved by adults who maintain adequate vitamin D blood levels, but for most adults in North America and Europe this means vitamin supplementation will be required.
Drinking water reduces the risk of colon cancer in men. Men who consume the most water have a 92% lower risk of rectal cancer compared to men who drink less water.
Long-term exposure to chlorinated drinking water (30-40 years) increases the risk of colon cancer.
Foods with refined sugars confer almost 3-times increased risk for colon cancer.
It has long been known that blood clots are common among cancer patients. Researchers now suggest patients admitted to the hospital for blood clots in their legs be screened as they exhibit a 3 times greater risk for colon cancer.
Chronic constipation may increase the risk for colon cancer.
Genetically susceptible mice, infection of the colon increased the number of adenomas by 4 times by 6 months of age. Helicobacter pylori infection has been shown to increase the number of polyps in the digestive tract. Crohn?s disease, which increases the risk for colon cancer, is associated with para-tuberculosis infection.

Summary and recommendations

It is obvious that the state of colon cancer care is deplorable. Much that can be done to prevent colon cancer either from occurring in the first place, or from recurrence, is not being put into practice. To survive colon cancer, you must learn how to navigate around the current cancer care system now in place.

May 31, 2012

Bill Sardi [send him mail] is a frequent writer on health and political topics. His health writings can be found at www.naturalhealthlibrarian.com. His latest book is Downsizing Your Body.

Copyright ? 2012 Bill Sardi Word of Knowledge Agency, San Dimas, California. This article has been written exclusively for www.LewRockwell.com and other parties who wish to refer to it should link rather than post at other URLs.?

The Best of Bill Sardi

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Electrical Appliances Used In Homes | Cap1sucks Home Improvement

Different types of electrical equipment used in our homes every day. With the advancement of science and technology, many new electronic products are introduced into new markets every day. Today human beings are dependent on various types of electrical appliances such as televisions, DVD players, air conditioners, vacuum cleaners, toasters, grinders, refrigerators, etc.

Common types of electrical appliances

It is quite impossible to live without the use of electrical equipment. Different types of equipment used in homes and offices to facilitate the work. All these tools help make life more comfortable and easier. Some of the most important types of power tools are as follows.

Heaters: There are different types of heaters are available in many stores online and offline today. With wide variations in climatic conditions, heating of the different varieties are available at reasonable prices. Portable heaters most often used in places where there is no central heating system. These heaters are used to heat a room. Pieces of different sizes require different types of heaters. Different types of room heaters, including ceramic heaters, radiant heaters, oil filled radiators, fan heaters and gas heating. The heating device more efficient heating ceramic used for heating the chamber larger than the heater has a fan. As the ceramic heater has advanced features that include cut-off thermostat and fans, it is considered safer than other types of radiators. Oil filled heaters are more economical. Energy consumption for heating oil and heating oil used to heat the entire room. Heater requires some time to heat the entire room. The radiant use some type of reflector to heat a specific area. It is conveniently used to heat the bottom surface part.

Electric Range: Different types of electric ranges available today. Slow cooker, rice cooker, milk cookers, ovens, hot plates, and toaster. Rice cooker is used primarily for cooking rice. This stove is available in the price and size. It is very easy and convenient way to cook rice using a rice cooker. Toaster oven can be used for various culinary purposes. It can be used to make cakes or breads baked chicken is fast and easy. Today, there are different types of toaster oven with many features available in stores is pretty easy.

Emergency lights: Most commercial buildings and residences have a source of emergency lighting is installed to meet the power outrages. Today, devices relighting are available in different varieties. There are some small lighting devices are installed in buildings to meet the emergency. This device can also be purchased at online stores with affordable prices.

Exhaust fans: appliances also include various types of electric fans. Exhaust fan is one of the kitchen appliances are the most important used in most homes today. It helps to remove odor, dust, smoke and other particles inside. These fans are also available in different varieties.

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Newborns plan fitness center-1 | Acupuncture Online School ...

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Wednesday, May 30, 2012

Obtaining The Lowest Price On Personal Loan | Free Finance Articles

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There are plenty of banks and finance companies, which offer Personal Loan. They all get their own agreements. For top level deal for your personal loan you need to ensure that you contact and consult as many loan company as possible. Actually tell them regarding your financial requirements and situation. Get quotes from their site and check whether you are able to repay the personal loan easily.

The banks gives you a lump sum amount when you comprehensive the formalities to getting the particular loan. The funds may be used to fund your requirements. The total amount finance institutions will recover from you might range from the debt, coupled with the interest recharged into it in the payment period. The more the repayment term your less could be the interest to get paid around the Personal Loan.

Money Lender ? Tiny Personal Loan On the net

Personal Loan can be obtained although you may possess a bad credit score or zero credit. Depending on the type of personal loan are applying for, also collateral is not needed for most private lending options. Personal Loan that figure to several hundred dollars or a couple of thousands of money is obviously much easier to obtain with no collateral. Attached personal loans throughout larger sums are probable with respect to the financing terms of the loan firm.

Secured Personal Loan include the easiest to obtain since important collateral is put up against the particular loan. Lenders are usually assured of the investment in situation of default as well as buyers with excellent collateral can simply look for a Personal Loan origin by which to use. Collateral including homes, real estate, vehicles, diamond jewelry, coin series, or other beneficial asset could be accepted certainty to get a Personal Loan.

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Tuesday, May 29, 2012

Cure a Hemorrhoids | Health and Fitness

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Trust me, I would gladly welcome any doctor?s guidance on hemorrhoids, they?re the bring about why I phone for to spend so a great offer for medical insurance. regrettably all that income does not solve a quite essential issue that countless people these days face, that is hemorrhoids.

Author:
Tom Mike

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I have gathered quite a bit of information and facts in my quest to find out about this affliction and to see if the standard question of how lengthy do hemorrhoids last can be answered. While the exact causes aren?t known by the scientific community, one factor they do agree on is that hemorrhoids do not occur overnight, you cannot just wake up 1 day and have hemorrhoids for now reason. Consequently this also indicates that hemorrhoids will not be going away in the event you sleep overnight either, this is going to be a method.

This is a question I asked myself and nobody could give me a definite answer. Why? Really simply hemorrhoids is really a mystery to science, doctors can only give us guesses to why hemorrhoids happen to how a treatment could sooth the pain and irritation of hemorrhoids via trial and error. In effect doctors can not give you a good time of how lengthy do hemorrhoids last.

Trust me, I would gladly welcome any doctor?s assistance on hemorrhoids, they?re the reason why I?ve to pay so a lot for medical insurance. Sadly all that income does not solve a really simple issue that many people today face, which is hemorrhoids. I have gathered quite a bit of data in my quest to learn about this affliction and to see if the basic question of how long do hemorrhoids last could be answered. Even though the exact causes aren?t known by the scientific community, one factor they do agree on is that hemorrhoids don?t take place overnight, you cannot just wake up 1 day and have hemorrhoids for now reason.

Consequently this also indicates that hemorrhoids won?t be going away in case you sleep overnight either, this is going to be a method. Maybe giving a level of severity of the hemorrhoids is crucial here. For level one we?ll just say that this is the developmental stages of hemorrhoids and it can be really irritating. Level two is where we involve such terms as prolapsed, this means that the hemorrhoids have come out of the anal opening, this is what happens with level, and the hemorrhoids come out but recede back inside. Level 3 is progressively worse where the hemorrhoids come out but do not go back in without a push from the finger, it has lost all elasticity. The last level four is genuinely bad this is when a prolapsed hemorrhoid comes out, and cannot go back in even with assistance.

Depending on your level of hemorrhoid from levels one through four will figure out how long do hemorrhoids last? Treatment is feasible, for instance employing the rubber band ligation approach. Basically a rubber band is placed around the hemorrhoid to cease the flow of blood to the area, fundamentally a tourniquet for the answer.

A different treatment would be to use infrared coagulation, with this strategy an infrared laser is pointed at the hemorrhoid and this treatment stops the blood from flowing to the hemorrhoid, feel of it as a high tech tourniquet. The theory is the same to quit all blood flow to the affected location. Now performing a hemorrhoidectomy is on a whole various ballpark, this entails invasive surgeries and removing the affected areas and as with all surgeries recovery time is dependant on the individual. With all these, the question asked is how lengthy do hemorrhoids last and the answer is, it depends on your hemorrhoid level, what you determine to treat the region with and how long it takes for you to individually recover.

About Author

You can find their Hemorrhoid site http://www.cureahemorrhoids.com when you Google Cure Hemorrhoid New York or hemorrhoid doctors.

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Article source: http://www.1888articles.com/cure-a-hemorrhoids-how-long-do-hemorrhoids-last-0140451.html

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Creating an Ancestor List ("Ahnentafel") in Legacy Family Tree 7.5

In response to my Saturday Night Genealogy Fun post, I received an email question from a reader who asked "How do I make an Ahnentafel using my genealogy software?" ?It struck me that perhaps some readers do not know what an "ahnentafel" is...so I'll show how my three genealogy software programs create one.

Each program does this differently, with somewhat different results, so I'll go through Legacy Family Tree 7.5, Family Tree Maker 2012 and RootsMagic 5 in a series of posts.

Note that I like to use the term "Ancestor List" rather than "Ahnentafel" for this list, since it is really not a "Name Table." ?For this "Ancestor List," I want ONLY the ancestor name, birth date and place, death date and place, and marriage date and place. ?For me, a printed "Ancestor List" is much easier to use than a series of linked and printed pedigree charts.

1) ?In Legacy Family Tree 7.5, with myself highlighted on the Legacy Family View, I clicked on the "Reports" button in the Menu icon row:

2) ?In the screen above, the "Books and Other" window opened, and I want to select the "Ancestors" button from the menu in order to make my Ancestor List. ?That opens the "Ancestor Book" window:
There are five tabs (Options, Page Layout, Heading Layout, Wording 1 and Wording 2) and three buttons at the bottom of the window (Index Options, Report Options and Title Page). ?The Options tab is shown above.

On the Options tab, I made the number of Generations = 12. ?I unchecked everything else for this "Ancestor List" report.

3) ?I clicked the "Index Options" button and unchecked every box in the two tabs (Name Index), Location Index):

I clicked "OK" and was back to the "Ancestor Book" window.

4) ?I clicked on the "Report Options" button and there are eight tabs (Include, format, Privacy, Sources, Pictures, Page Setup, Header/Footer, and Fonts). ? I went through each of them and unchecked every box.

On the "Include" tab, I checked the "Marriage Information" box:

Note that I left the "Child-parent relationships" and "Children of each spouse" boxes unchecked since I don't want a list of the children of each ancestral family. ?I also left "Print source citations" unchecked for this list.

On the "Format" tab, I checked the "Don't include duplicate lines."

5) ?I clicked on the "close" button for the "Report Options" window and was back to the "Ancestor Book" window. ?I clicked on the "Preview" button (upper right-hand corner) and a 120 page Ancestor List was created. ?Here is page 1:

And page 2 (which starts the actual Ancestor List):
Based on the parameters I set, I received the names, parents names, birth dates/places, death dates/places and marriage dates/places for each of my ancestors in the 12 generations requested.

7) ?When I first tried this, I left the "Don't include duplicate lines" box on the "Format" tab of the "Report Options" window unchecked. ?I received an error message after 11 pages, and received a message that an individual had been processed 3 times" and that "You might be in an endless loop:"

I clicked on "Continue processing" and received several more of these messages, and finally cancelled the report. ?Later, I went back and increased the number of allowable duplicates to 5, and a 124 page report was created. ?I have several duplicate lines back in the 17th century.

Some format things that I noted about the "Ancestor List" Report:

* ?The Cover Page is really for a book - I would like to have the option to eliminate it (perhaps I couldn't find that option?).

* ?The months are three-letter abbreviations rather than the full spelling.

* ?The marriage line is included for both spouses in a marriage.

* ?The burial date and place is included in the list.

* ?The names are in Pedigree chart order, and skip the missing ancestors.

* ?The Parents names of each person are included on the list (I saw no way to not include them).

All in all, Legacy Family Tree makes a very nice Ancestor List, although it is not exactly what I wanted (the additions are the burial data, Parent's names and one marriage line). ?The user can save the list as an HTML, RTF or PDF file to their computer, or can Print the whole file or a range of pages using the radio buttons on the "Ancestor Book" window or on the "Preview" page.

The URL for this post is: ?http://www.geneamusings.com/2012/05/creating-ancestor-list-ahnentafel-in.html

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Prince Lorenzo Borghese to Join Legislators and Animal Rights Activists In Albany June 13 for Animal Advocacy Day

Prince Lorenzo Borghese will join hundreds of animal advocates from across New York State at the 2nd annual Animal Advocacy Day in Albany on June 13. The founder of Royal Pet Club and the line of Royal Treatment luxury pet care products, Borghese is a passionate supporter of anti-cruelty and animal welfare legislation.

Albany, NY (PRWEB) May 27, 2012

Prince Lorenzo Borghese will join New York State legislators and hundreds of animal rights activists in Albany June 13 for the 2nd annual Animal Advocacy Day. Taking place in the Well of the Legislative Office Building (LOB) in Albany, Borghese will join Assemblyman Jim Tedisco, Senator Greg Ball, and other legislators from both sides of the aisle to strengthen New York?s animal cruelty laws ? already among the toughest in the nation.

Borghese, a New York City resident, is a familiar face in New York?s animal welfare scene where he lends a welcome voice to a multitude of charitable organizations whose mission is to improve the quality of life for the planet?s animal population.

He has also teamed with Animal Aids? veterinary partners for low-cost spay and neuter services in low income areas throughout the United States. Borghese?s Royal Pet Club donates $2 from every new customer purchase and five percent of profits from Royal Treatment pet care products to support a spay/neuter program throughout the country.

Borghese was compelled to join the Animal Advocacy event to help bring awareness to the plight of abused animals.

?I am proud to be participating in Animal Advocacy Day to be a voice for the voiceless,? Borghese said. ?We must come together to end all abuse of our innocent and loving animal friends.

?I am continually shocked that our great nation hasn't implemented strict, uniform laws to stop the horrific abuse occurring daily. It is my intention to bring awareness to this issue and help get tougher laws implemented.?

Animal Advocacy Day is the latest in a series of events launched In 1999, when more than 118,000 signatures were collected in New York State to pass the landmark Buster?s Law creating the felony category of ?aggravated cruelty to animals,? punishable by up to two years in prison and a $5,000 fine. Buster?s Law was named after an 18-month-old tabby cat that had been doused with kerosene and burned to death by a Schenectady teenager. As research indicates, violence against animals is a bridge crime that can, and has, led to violence against people.

Among the bi-partisan legislation being advocated for are measures to: require anyone convicted of Buster?s Law to undergo a psychiatric evaluation (A.1580/S.5084 and A.1567/S.3805) and be placed on a registry of animal abusers (A.1506/S.3804) as well as bills to increase penalties for animal fighting (S.3806 and A.4407/S.3237). To learn more, visit the Animal Advocacy Facebook Page.

Borghese will also be hosting the Amazing Grace ?Paint That Bus? campaign/fundraiser, in conjunction with Animal Aid USA in July. To learn more about Royal Treatment and Royal Pet Club, visit the Royal Pet Club website. To learn more about the Prince click here. To learn more about Animal Aid USA, visit the website at http://www.animalaidusa.org.

About Prince Lorenzo Borghese and Royal Pet Club:

Prince Lorenzo Borghese, founder and president of Royal Pet Club and Royal Treatment Italian Pet Spa, is passionate about the well being of animals everywhere. His line of pet-friendly organic products were originally created for his beloved Black Lab, Belle. For nine consecutive years, Royal Treatment has been the most successful pet line on the HSN shopping channel. A vocal advocate of spaying and neutering programs, Borghese donates five percent of Royal Pet Club profits plus $2 for every new customer to Animal Aid to support spay and neuter programs across the U.S. Through this program, families unable to afford the cost of having their dog spayed or neutered will be able to have the procedure done for free by a top veterinarian in their community.

Borghese?s line of Royal Treatment products were developed to support pet wellness with premium, natural dog shampoos, conditioners, and other organic pet grooming supplies.

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D.C. Mayor?s Administration Mired In Scandal

Washington, D.C., Mayor Vincent Gray was elected to office on a platform of anti-corruption. But just two years into his term, a federal investigation has left two former aides pleading guilty to misdeeds during the 2010 election. Gray has denied any wrongdoing. Host Guy Raz talks about D.C. politics with Washington Post reporter Nikita Stewart.

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MTN says working with US on Iran sanctions compliance

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Definitions of Debt Management

From layman's perspective, debt management is simply what it literally implies. It refers to the process by which one manages his debts in a manner that he would not be put in a position where he would have difficulties in repaying these. Apparently, debt management in this regard is one that is being conducted in order to prevent problems from arising in the future. Because this involves money which would be used to repay the debts, it naturally requires the individuals to be mindful of these when allocating funds for the different expenses he will have to cover in a month.?

The term debt management is also often used by the government.? This is particularly carried out by a country's fiscal managers.? It is a known fact that countries also incur domestic and foreign debts, which are usually triggered by trade imbalances. Of course, a government would not allow debt problems to grow worse, especially because these would seriously hurt the economy.

It is in this regard, that the government would resort to debt management.? The aim is to establish certain measures that would make it possible for the government to reduce the burden created by the debt and lessen its impact on the economy.?

In both definitions mentioned above, it is clear that debt management is considered as a solution.? It is applied in order to prevent problems resulting from delinquent debt payments and, in the case of countries, to create protection for the economy from the effects of debts.? The other definition of debt management, however, is one that refers to it as recourse whenever the debtor is no longer in a position to repay the debts that he had incurred.? In this regard, avoiding the problems is no longer possible because the debtor is already saddled by it.? All that he can do now is to seek ways to reduce the amount of his obligations to levels that he can afford.

Debt management services offered by certain companies help distressed debtors deal with their problems.? Counselors are sent to meet with the client debtors in order to study their respective situations.? The objective of the studies is to arrive at conclusions that would then become bases for the concrete steps to be taken in order to manage debts.? One of the key resolutions would certainly be to make the creditors agree to proposals that certain charges or fees are removed so that the value of the debts would become more manageable for the debtor.

In all the definitions mentioned here, it is obvious that debt management does not mean escaping from the obligation of repaying.? A debtor who implements this does not have any intention to free himself from his obligations to the creditor.? Therefore, the creditor should not worry about debt management too.? ?What debt management does is definitely beneficial to both the debtor and the creditor.?? It enables the debtor to solve his problems while it allows the creditors to get what is due to them.

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Monday, May 28, 2012

Samsung spills Galaxy Notes ICS guts, releases kernel source code to devs

Back when it was unveiled at IFA 2011, Sammy's famed phablet was more of an attractive oddity than sure hit. Skip to now, and that 5.3-incher's not only taken the European continent by storm, it's also made inroads onto these American shores via AT&T. In keeping with the open source embrace begun last October, the OEM's once again offering up the device's kernel code, this time for the skinned ICS OS unlocked versions currently run. Devs and the amateur hackers that love them should make haste and hit up the source below to get cracking on this latest software nut.

tags:	Galaxy, IFA, Open Source, Samsung
filed under:	Phones
source:	2DayBlog.com
published:	at 00:19, Saturday, May 26, 2012
viewed:	71 times

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Romney: 'The world is not a safe place' (CNN)

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Hormonal acne treatment for women - Health and Fitness ...

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Church of England nears vote on women bishops

By Avril Ormsby

LONDON |
Thu May 24, 2012 3:22pm EDT

LONDON (Reuters) ? The Church of England paved the way on Thursday for a final vote on women bishops to go ahead in July, but supporters angry at last-minute concessions to traditionalists who favour an all-male clergy immediately threatened to scupper it.

After more than a decade of bitter wrangling, traditionalists and liberals appeared no closer to finding a workable blueprint this week with the opposing sides predicting future chaos or departures from the Anglican mother church.

A rare decision by bishops on Monday to make two amendments to accommodate Anglo-Catholics and conservative evangelicals, seems to have stoked tempers still further.

The consecration of women, along with homosexual bishops and same-sex marriages, is among the most divisive issues facing the 77 million members of the Anglican Communion around the world.

Other Anglican provinces already have women bishops, including the United States, Canada, Australia and New Zealand.

The next Archbishop of Canterbury, spiritual leader of the Anglican Communion, will inherit these problems when he takes over from the outgoing Rowan Williams next year.

Coincidentally, a group called the Crown Nominations Commission met on Thursday for the first time in a long process to choose the next archbishop.

NOT IF, BUT WHEN

That women in the Church of England will get to one day wear the mitre, 20 years after it voted in favour of women priests, is in little doubt ? the only question is when.

A so-called ?group of six?, which includes the Church?s two most senior clerics, could have delayed the vote by a year at their meeting on Thursday.

But by deciding the bishops? amendments did not substantially change the draft legislation it avoided the need to go back to the dioceses for review.

If the Church?s parliament, or General Synod, gives final approval to the draft legislation in July, the first woman bishop could be consecrated after 2014.

But liberals, angry at the amendments which they say create what they called ?pick and mix? bishops, are looking to stall the vote or even scupper it.

The amendments would give parishes which object to a woman bishop the power to choose one who shared their theological convictions, pro-women bishop supporters say.

Some priests and laity are threatening to take the extraordinary step of invoking a standing order before the vote. If passed, synod would send the amendments back to the House of Bishops for reconsideration.

If the standing order move fails, some liberals are even considering voting ?no? to the draft legislation, which would set

Article source: PRNewswire

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Williams quits as Anglican head, says successor needs "rhino skin"
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