Mesothelioma Lawyers in San Diego

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Mesothelioma Lawyers in San Diego

To understand how to choose a lawyer for this disease, you should first understand the basics of the disease. In the simplest sense, mesothelioma is a cancer of the protective layers of the body cavities, known as the mesothelium.
These tissues have different names depending on the organs they protect. You have probably heard of the peritoneum–this is the covering around the stomach and intestines. Other organs and cavities have their own membranes as well.
Mesothelioma is a cancer of these tissues. They often do not just affect the tissues–they affect the organs they surround and can spread elsewhere. This cancer is most often contracted by exposure to asbestos, a highly dangerous mineral often found in floors, ceilings, and some products.

Employers and landlords are supposed to protect you from asbestos, but often this does not happen. If you have mesothelioma you have probably been exposed to asbestos. If so, you should contact mesotheloma attorneys in your area to see if you have a case against the party responsible for your exposure.
How Do I Choose?
San Diego is a big place. The whole area is so large it is almost connected to Los Angeles now with no real division. Choosing a professional in this area is a daunting task for busy people, so here are some steps to take to make the process easier.
asbestos lawyers california Mesolthelioma lawyers get to know the doctors who treat the disease. Over time they develop relationships and form help networks for patients. Often a doctor will have several contacts in the legal field and a lawyer will have several contacts in the medical field. This helps save you time.
If you have been diagnosed with mesothelioma, your oncologist may be your best source of names for attorney contacts. She will likely have already worked with them on cases and can tell you not only who specializes in your type of cancer but who is best and who is within a short distance from your home or work. If she does not have the right kind of specialist, there are other ways to find the right professional for your case.

You can check with other doctors who deal specifically deal with mesothelioma if your doctor is more of a general oncologist. These doctors may have worked more closely with mesothelioma lawyers in your area of southern California. You can also call local hospitals, various cancer support groups–area law schools are also excellent for references. Also check your union or professional group if you were exposed on the job.
Regardless of where you find your contacts, interview the lawyer, check on his or her background, and get references if you can. If you are ill, the last thing you need is more trouble.


 What is mesothelioma?

 Mesothelioma is a cancer of the mesothelium. The mesothelium is a thin membrane that lines the chest and abdomen and surrounds the organs in these areas. The lining around the lungs is called the pleura and in the abdomen it is known as the peritoneum.

About 2000 people in the UK are diagnosed with mesothelioma each year.
Mesothelioma of the lining of the lungs, known as pleural mesothelioma, is much more common than mesothelioma in the peritoneum. For every one person with peritoneal mesothelioma, there will be about 12 people who have pleural mesothelioma.

Pleural mesothelioma

The pleura has two layers: the inner (visceral) layer, which is next to the lung; and the outer (parietal) layer, which lines the chest wall. The two layers of the pleura are usually in contact and slide over each other as we breathe. The membranes produce fluid, which allows them to slide over each other easily.
When mesothelioma develops in the pleura (pleural mesothelioma), the delicate membranes thicken and may press inwards on the lung. Fluid may also collect between the two layers of the pleura: this is known as a pleural effusion.




                                                          Structure of the lungs and pleura

Peritoneal mesothelioma

The lining of the abdomen is known as the peritoneum. It also has two layers: the inner (visceral) layer, which is next to the abdominal organs, and the outer (parietal) layer, which lines the abdominal wall.
If the mesothelioma is in the peritoneum it is called peritoneal mesothelioma and causes thickening of the membranes surrounding the abdominal organs and a collection of fluid in the abdomen. The collection of fluid is called ascites and causes swelling of the abdomen.


Side view of the abdomen. The peritoneum is shown as the thick line surrounding the abdominal organs.


How mesothelioma is diagnosed

Most people begin by seeing their GP when they have symptoms. Your GP will examine you and may arrange for you to have some tests or x-rays. You may be referred to hospital for these tests and for specialist advice and treatment. At the hospital, the doctor will take your medical history and occupational history before doing a physical examination.

Chest x-ray

A chest x-ray will be taken to check for any abnormalities in your lungs, such as thickening of the pleura or fluid around the lungs. However, there can be other causes of thickening of the pleura and peritoneum (and fluid around the lungs or in the abdomen) apart from mesothelioma.
The following tests may also be needed to diagnose mesothelioma, and your doctor may arrange for you to have one or more of them at the hospital.

CT scan

A CT scan (computerised tomography scan) takes a series of x-rays, which build up a three-dimensional picture of the inside of the body. The scan is painless but takes from 10 to 30 minutes. CT scans use a small amount of radiation, which will be very unlikely to harm you and will not harm anyone you come into contact with. You will be asked not to eat or drink for at least four hours before the scan.


                                                                 Having a CT scan

CT scans of the chest and of the abdomen will show the size and position of the mesothelioma and whether it has spread to other parts of the body.
You may be given a drink or injection of a dye that allows particular areas of your body to be seen more clearly. For a few minutes, this may make you feel hot all over. If you are allergic to iodine, or have asthma, you could have a more serious reaction to the injection, so it is important to let your doctor know beforehand.
You will probably be able to go home as soon as the scan is over

Pleural or peritoneal aspiration

If there is fluid in your chest or abdomen, the doctor can take a sample by using a local anaesthetic and passing a needle through the skin into the fluid. Some of the fluid is then drawn off into a syringe and can be analysed in the laboratory to look for mesothelioma cells.
Taking fluid from between the pleura is known as a pleural aspiration and taking fluid from the abdomen is known as drainage of ascites (or peritoneal aspiration).

Biopsy

If you need a biopsy, your doctor will take a sample of tissue from the thickened pleura or peritoneum. A local anaesthetic is used to numb the area and a special type of needle is passed through the skin into the tumour. The needle has a tip that can cut out a sample of the tumour. The doctor may use ultrasound or a CT scanner to position the needle accurately. An ultrasound uses sound waves to build up a picture of the organs in a part of the body. A small device is passed over the skin to show the doctor where the tumour is and guide the needle into the right place.
Sometimes the doctor will want to look at the area of the pleura or the peritoneum directly to get a sample of tissue from the right area. This is done by using a thin flexible tube with a light and camera at the end. The tube (endoscope) can be passed through the skin of the chest, where it is called thoracoscopy, or the abdomen, where it is called laparoscopy. The procedure is done under a general anaesthetic by a surgeon. You will usually be able to go home the same day.
Your doctors may want to check for any signs of spread of the cancer to the nearby lymph glands in the centre of the chest. This central area, around the lower part of the windpipe, is called the mediastinum and the lymph glands which are found there are the mediastinal lymph nodes. This test is called a mediastinoscopy. The test is done under a general anaesthetic and will mean a short stay in hospital. A small cut is made through the skin at the base of the neck. A tube, like a small telescope, is passed into the chest through the hole created by the cut. The doctor can use this tube to examine the area. Samples can be taken for examination under a microscope.
Analysing the biopsy in the laboratory is the only way your doctors can make the diagnosis of mesothelioma. Sometimes, even after taking a biopsy, the doctors may not be sure of the diagnosis, because mesothelioma can be very difficult to distinguish from other illnesses. In this situation, the biopsy samples may be sent to other laboratories to confirm the diagnosis, some of your tests may need to be repeated or you may be referred to another hospital for a second opinion.

Waiting for your test results

It will probably take several days for the results of your tests to be ready and a follow-up appointment will be arranged for you before you go home. This waiting period is likely to be an anxious time for you and it may help to talk things over with a close friend or relative.  | cancerbackup


Symptoms of mesothelioma

 Mesothelioma often starts as a lot of tiny lumps (nodules) in the pleura, which may not show up on scans or x-rays until they are quite large. The main symptoms of pleural mesothelioma are breathlessness and chest pain. Some people find that their voice becomes hoarse and they have a cough that does not go away.

Peritoneal mesothelioma often causes swelling and pain in the abdomen.

General symptoms

Both types of mesothelioma can cause other general symptoms, such as loss of appetite, sweating (especially at night), weight loss and tiredness. As many of these symptoms can also be caused by other illnesses, your doctor will need to do a series of tests before a diagnosis can be made.



Secured Loan Calculator

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Feel free to use our interactive secured loan calculator. Before deciding to apply for a loan some homeowners find it useful to understand the approximate cost of borrowing in terms of the monthly cost and the interest which is being charged. This is especially useful for homeowners who work to a monthly budget by knowing what their outgoings are such as household bills and mortgage payments versus income received.

To use the loan calculator simply enter the amount you wish to borrow and select a repayment period using the drop down menu. Then enter the interest rate and press the calculate button. The results are calculated using the generic compound interest formulae and show the monthly repayment and the monthly interest charged by the lender. For comparison purposes, which some find useful, an alternative monthly repayment figure is displayed below assuming an interest rate of 5.5% is charged.

Remember, this online calculator tool should be used as a guide only and some lenders will often build in Payment Protection Insurance or (PPI) in addition to possible secured loan application fees. Therefore, the actual monthly repayment amount in reality could be higher.

How to Consolidate Student Loans

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What is Student Loan Consolidation?


  • Consolidating your student loans generally means one lender will group together multiple loans which you have taken out. Instead of managing numerous simultaneous payments and interest rates, the consolidated loan will compile them into a single loan at a new, fixed rate. The main benefits of consolidation are that:
  1. You will only be responsible for a single account with a single financial institution.
  2. The interest rate for your consolidated loan will not change over time.
  3. Consolidation potentially lower your monthly payment by extending the term of your loan.


    • - This may also mean paying more interest in total over the lifetime of your loan.



  • Despite the possible benefits of consolidating your student loans, there are many reasons why consolidating your student loans may not be your best possible option. Continue reading to determine if consolidation is beneficial to you and how to embark on the process. 

Step 1: Decide Whether to Consolidate

  • There are pros and cons to consolidating depending on your particular situation. Before you rush to consolidate, consider the factors below.
  1. Consolidating your loans at a fixed rate means that if rates go up, yours will stay put. Alternatively, if there is a sharp dip in interest rates, you will still be paying the same fixed rate. So if you think rates will plummet, it might be best to wait things out.
  2. Make sure your loans can be consolidated: consolidation loans are available for most federal loans, including FFELP loans (which include Stafford, PLUS, and SLS loans), FISL, Perkins, Health Professional Student Loans, NSL, HEAL, Guaranteed Student Loans and Direct loans.
  3. There are also private consolidation options available for private student loans. See Step 3: Consolidate Private Loans.
  4. To better understand the ins and outs of consolidation, see Simple Tuition's Guide to Student Loan Consolidation. (Note: The link will open as a PDF file.)
  5. Note that you might pay more overall when you consolidate because you are extending the life of the loan (even if monthly payments are lower).
  6. Do note, however, that the interest you pay on your student loans is tax deductible.
  7. Evaluate the pros and cons of consolidation with your particular loans in mind.
  8. Calculate what your consolidated rate would be to determine if it's worth consolidating.
  9. You'll also need to decide if consolidating all your loans is a good idea, or if you should just consolidate some of them. Because your rate is determined as an average of your current rates, you may want to keep a higher rate loan out of the equation. Calculate your rate without including some high interest loans to decide if you should consolidate all or some of them.
NOTE: Check FinAid before proceeding, to see what advice it offers to current borrowers.

Step 2: Consolidate Your Federal Loans

  • Consolidating your federal loans means you will pay one monthly bill and will determine a fixed rate for the life of your loan. This rate is generally lower than that of a private consolidation offer.
  1. To determine your consolidation rate for your federal loans, a lender will calculate a weighted average of your current loan rates and then round up to the nearest 1/8, but not to exceed 8.25%.
  2. Calculate your potential consolidation rates using FinAid's consolidation calculator.
  3. Your interest rate also depends on the type of federal loans you have and when you took them out.
  4. You can lock in a lower consolidation rate by consolidating during your grace period (the several months immediately after graduation, during which most lenders will not force you into repayment). Consolidating during your grace period, while ultimately helpful because your interest rate is lower, does force you into immediate repayment, even if you still had a few months left before scheduled payments were to begin.
  5. Because Stafford loan holders who graduated in 2007 or after will pay fixed rate interest, it's not as clear that they should consolidate as it has been in the past.
  6. Note you cannot consolidate loans if you are currently in school.
  7. It is not recommended that borrowers consolidate federal loans into a private loan because you will lose important privileges to defer, apply for a forbearance, or qualify for loan forgiveness under government programs.
  8. And under no circumstances should you pay a fee to consolidate your federal loans. 

Step 4: Keep Up with Student Loan News

  • Keeping up with student loan news if you haven't yet consolidated all your loans will help you determine if it is a good idea going forward.
  1. It could be worth checking in with your school's financial aid department to see if they have an opinion on your consolidation plans or recommend a particular lender.
  2. Use non-profit Student Loan Borrowers Assistance's list of resources to find information about different lenders or to contact legal or financial advisers who can help you.
  3. The New York Times also has a "Times Topic" about student loans that functions like a database of all the current student loan news. Check it regularly to keep up to date on student loan information.
  4. FinAid, a site recommended for its financial aid advice, made a recent statement regarding changes in student loans and consolidation in the wake of the 2008 Financial Crisis:





      • "Borrowers may be concerned by the possible impact of the subprime credit crisis on the cost and availability of federal and private student loans. Federal loans will remain available, although loan discounts will likely be reduced significantly. A higher minimum balance may be required to consolidate. Private student loans will likely have stricter eligibility restrictions, requiring a higher credit score or a cosigner. There may be increases in the interest rates and fees on private student loans. Lenders will encourage borrowers to make payments of interest while they are in school."  









Structured Settlement Investments

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Choosing a structured settlement investment as an option for for financial gain can be a viable method of acquiring profit. These settlements are usually paid out to individuals over a period of time and may be the result of an insurance pay out, lottery winnings, annuities or a court judgment. Recipients of these funds are often willing to sell the payments in exchange for a lump sum of cash. There are a variety of reasons why an individual might choose to do this. Receiving money that is owed over time in small increments may not have the same kind of life changing possibilities that a one time payment of a large amount of money can have. This is the main attraction that draws individuals to investors who are willing to pay money for structured settlement payments. Why wait for the money when it can be obtained in one large payment? Of course, sellers will find that they are not going to receive as much money as originally would have been the case. For a structured settlement investment to work, there must be the potential of real profit down the road for the investor. These settlements may have been originally designed to create a steady source of income that will aide the beneficiary for a long time to come. This time frame will usually extend over a period of years. In the minds of some recipients, having access to a larger sum of money in the present is more valuable than having more money in the long run, but having to wait for it.

The decision to participate in a structured settlement investment can depend upon a variety of factors. Individuals who are weighing an offer to sell off any payments that will come in the future are generally more concerned about the present. Pressing financial needs can be very persuasive for the owners of these settlements. Mounting debts, needed home repairs, medical bills, or a child's education can be just some of the reasons that someone might decide to sell off future payments. But the wise seller will take a number of things into consideration. It is generally a good idea to seek counseling from an objective financial professional before making a final decision or signing any contracts. This professional should be functioning independently of any investors and have only the best interests of the seller at heart. Such counselors will usually help a client to understand just how much money will be lost should the client decide to move forward with a structured settlement investment. Advisers will also suggest certain pertinent questions to the client. How much money does the client currently need? Is this need so pressing that it is worth sacrificing future income? Is there any other way that the needed money can be obtained? Since the client will end us loosing a percentage of the settlement's worth, the seller should take the time to weigh all options and to decide if the future cost of the arrangement is worth the present day benefits.

A a structured settlement investment requires a little more than a willing buyer paired with a willing seller. While such arrangements can be a financial opportunity for both parties, the law does not allow individuals to sell off such assets without court approval. Involving a judge is designed to make sure that the seller fully understands what is being sacrificed and that the deal as it is presented is fair and equitable to all concerned. When the request is brought before the court, the seller's current situation and financial need will be presented as well. In addition to the input of a judge, separate legal representation may be called for. Many clients do not realize that they may be able to sell off only a portion of these settlements and are not obligated to sell the entire asset. This approach may offer a client the best alternative since they will be able to obtain cash for current needs while maintaining a portion of the payments that will be paid out over time. This choice can help to provide a sense of security for the future. It is also very important to make sure that the buyer or group of investors who are offering to complete the structured settlement investment are reputable and that there are no hidden fees buried in the agreement.

Selecting a reputable broker who can lead a client through the process of working with a structured settlement investment groups is a very crucial choice. A broker will need to be knowledgeable of the law as it pertains to these contracts. In addition, a broker must also hold the best interests of their clients as a top priority. The strength and comfort that God offers to believers is detailed in the Bible. "Fear thou not; for I am with thee: be not dismayed; for I am thy God: I will strengthen thee; yea, I will help thee; yea, I will uphold thee with the right hand of my righteousness." (Isaiah 41:10)

A structured settlement investment should benefit the purchasing company as well as the seller. These companies do not make such investments as a good will gesture to the seller. Like all investors, they are interested profit. For this reason, the amount of money that is paid to the seller will be less, sometimes substantially less, than the final settlement pay out. There may be fees and other costs associated with these contracts as well. What ever choice a seller might make, a fair contract will honor all concerned parties and provide needed financial relief.

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