Varenicline

Varenicline is a smoking-stopping agent. These drugs work in brain by inhibiting the effects of smoking fun. This decreases the urge to smoke.

Indications:
Helping to stop smoking.

Dosage:

    1. 1 mg by mouth (orally) 2 times a day, followed by titration for 1 week.
    2. Days 1-3: 0.5 mg by mouth (orally), 1 times daily
    3. Days 4-7: 0.5 mg by mouth (orally), 2 times daily
    4. Day 8-end of the treatment: 1 mg by mouth (orally), 2 times daily
    5. Duration: 3-6 months


Implementation:
Starting dose 1-2 weeks before the target quit date.

Side Effects:
Nausea, insomnia, headache, drowsiness, dizziness, strange dreams, fatigue, abdominal discomfort, increased appetite.

Special Instructions:
Use with caution in patients with renal dysfunction, those who are undergoing dialysis and patients with serious psychiatric illness

Causes and Symptoms of Lung Cancer

Causes and Symptoms of Lung Cancer

Lung cancer, like all cancers, is the result of an abnormal cell, the most basic unit of life. Normally, the body maintain a system of checks and balances on cell growth, so that cells divide to produce new cells are needed. Disruption of the balance system of uncontrolled cell growth and eventually form a mass called a tumor.

Tumors can be benign or malignant, and malignant tumor is called cancer. Benign tumors can usually be removed and not spread to other body parts. Malignant tumors, on the other hand, grow aggressively and attacking other body tissues, so that the tumor cells into the bloodstream or lymphatic system and then to the inside of the body. Deployment process is called metastasis.

Since lung cancer tends to spread or metastasize, it is life threatening. Lung cancer can spread to every organ in the body, especially the adrenal glands, liver, brain, and bone. This cancer is also one of the most difficult cancers to treat. The lungs are also the organ most frequently affected by tumors in other body parts.

Cause
The main cause of lung cancer is smoking well as active smokers or passive smokers. While other causes contamination of the surrounding air by the substance of asbestos, air pollution by fumes or combustion including tobacco smoke.

Symptoms
Cancer does not show any symptoms are visible from the outside if cell growth is not severe. About 25% of patients with lung cancer, known symptoms after their routine chest X ray or CT scan. If proven to have lung cancer then it will look like a coin dots ketch.

Symptoms associated with this type of cancer among other respiratory disorders that cause symptoms such as cough, shortness of breath, wheezing, chest pain, and coughing up blood (hemoptysis).

If the cancer has invaded nerves, for example, can cause shoulder pain that moves on the outside of the arm (called Pancoast's syndrome) or vocal cord paralysis causes hoarseness. Invasion of the esophagus can cause difficulty swallowing (dysphagia). If breathing is hampered, leading to infection (abscesses, pneumonia) in the area hampered.

Symptoms related to metastasis: Lung cancer that has spread to bone can produce tremendous pain in the bones. While the cancer that has spread to the brain can cause a number of neurological symptoms like blurred vision, headaches, seizures, or stroke symptoms such as weakness or loss of sensation in the body.

Treatment
Treatment for lung cancer can involve surgical removal of cancer, chemotherapy, or radiation therapy, as well as combinations of these treatments. Decisions about treatment will be eligible for certain individuals must take into account the localization and extent of the tumor and the patient's overall health status.

Like other cancers, may be determined revocation or cancer therapy or palliative (measures that can not cure cancer but can reduce the pain and suffering of patients.

Aon in the Red! AIG loses the Shirt off it’s back

The prawn sandwiches were out in force yesterday at Old Trafford as the new sponsors of Manchester United Football Club, Aon the giant American Insurance Broker, took over the lucrative deal from disgraced and broke AIG the not so giant American Insurance Company.

AIG had to pull out their 14 million a year deal which ran until the end of May this year, after the company was bailed out by the US Treasury to keep it alive.

It’s been a bad week for AIG who failed to complete the sale of their Asian division AIA to the man from the Pru, as the Treasury ‘overvalued’ the operation at 24.5 billion.

It might not be such a big deal for Aon either who have reportedly paid 80 million to be in the Red and announced at the time that they shared a desire for excellence and winning, based on tradition, integrity, teamwork and success.

Manchester United are no longer the force they were a year ago when the sponsorhip deal was cut. The club could be said to be in crisis for their high standards. The aging team and manager failed to win a trophy last season and were ignominiously dumped out of the European Champions League in the quarter finals.

The sale of Manchester United Shirts has dropped dramatically domestically with supporters favouring the green and yellow colours of the orignial club Newton Heath as a demonstration against the way that American owners the Glazer’s have assest stripped the once rich club.

With a lack of success the lucrative Asian shirt market will likely suffer too.

Hey maybe Aon should buy AIA!

Trying to buy success in the UK football market has so far only been achieved by the Russians!

New Year Recession Fears

Insurance blog thought the silly season was in the Summer, but from the noises coming out of Whitehall and what remains of Fleet St. recently, it looks like it’s begun early!

If all the Economic pundits are to be believed, you would think that the economy was rosy! No chance of a the dreaded double dip recession now ……..

Hmm, what about the 600,000 job losses in the public sector that still have to be made this spring and will have to be paid for out of a shrinking GDP, rising wage demands from the private sector, fuels costs going through the roof and VAT at it’s highest ever 20%!

However you look at the current situation the immediate future does not look too bright!

Amongst all the coalition division and noise about quangos, cuts, student fees, interest rates and inflation, the UK Government has this week raised Insurance premium tax to 6%. With the cost of Insurance already at record highs as companies try to build up lost claims reserves, maybe they thought we’d not notice more indirect taxation!

The future doesn’t look too orange for Corporal Clegg and his Liberal lackies either who are currently enjoying their lowest popularity level for 30 years.

Meanwhile David Cameron is making noises about the housing sector while failing to enforce the necessary lending from the banks that would inject some momentum into a recovery, he has spoken out about plans to clamp down even further on mortgages in the name of responsible lending.

Tory Housing minister Grant Shapps has said that under the new  FSA’s Mortgage Market Review (MMR) proposals, he himself would have failed to get a mortgage.

Now Cameron has said that lenders have already gone too far in preventing ‘good risk’ buyers from getting mortgages.

The Prime Minister warned that the housing market was ‘stuck’ and would not improve until banks and building societies got back to ‘respectable’ lending.  Cameron said the reaction to the crash had now gone too far.

He said: “The pendulum has now swung too far the other way. If you are a single person, you are earning a decent salary, you go to the bank or building society, you are actually quite a good risk, they won’t give you 80% of the value, they won’t give you four times your salary.

“So we are working with them to try and say, of course we don’t want to see the unsustainable boom of the past, but we’ve got to get proper lending, respectable lending, going again.”

Cameron made it clear that he did not want to see a return to 120% mortgages and loans based on seven or eight times earnings.

He said: “We don’t want another housing boom where prices rise out of people’s reach, but the housing market is a key part of the economy. You need a housing market where people are able to sell and people are able to buy.”

Yeah and one where banks lend money! It wasn’t irresponsible lending to UK homeowners that caused the current recession, if this was the case then repossessions would not be at the levels they are! Moreover bad banking and buying toxic debt from the USA were the root cause. With the same people in control, these banks must be forced to lend to both homeowners and businesses alike if we are to see any real recovery in the housing and employment markets in the UK in 2011.

Acquiring Short Term Student Health Insurance

Are you currently applying for college and you need to have a health insurance policy because the school requires you to have one? If yes, I suggest you get short term student health insurance. With the name alone, you can easily say that this is the type of health insurance that will meet your needs.

Short term student health insurance can cover you from a month to a year. But you’ll find most insurance carriers giving their client an option to renew the coverage. As for the main benefits, this plan covers those areas that are covered by regular health insurance policies. It is also considered an indemnity plan as it gives the individual the right to choose the hospital or medical practitioner he or she prefers.

This type of health insurance normally has a maximum lifetime amount of $1,000,000. This is practically more than enough to cover any kind of medical emergencies. Just also take note that for such an amount, the deductibles may range from $250 to $10,000.

Tradesmans Insurance – What does it cover?

A Guide to Tradesmans Insurance Online

It’s the oldest online commercial insurance and the widest sold type of business insurance in the UK, but what exactly is Tradesmans Insurance?

If you own or manage a small business, you will require at least some type of liability insurance to protect your company against the various risks and possible claims, that your business will face.

Small businesses and tradesmen are required by law to have employers liability insurance at the very least in order to carry on business. Employer’s liability cover  protects the workforce and allows the business to pay any claims against it which may be brought by a worker who was injured carying out his or her duties.

Public liability insurance is essential if you work with members of the public who may pursue claims against you and motor insurance or van insurance is also likely to be a necessity.

If the business has plant or machinery which must have a periodical statutory inspection, it will be usual to arrange for this to be done by a specialist engineering insurer under the terms of an engineering inspection contract, with or without insurance.

Tradesman’s insurance is more often than not sold online as a small business insurance package policy. A package will include all elements of cover required by a small business or self employed trader such as basic employers liability and public liability covers and theft of tools. Trademans insurance quotation systems allow you to vary the levels of indemnity required for liability insurance in a typical range of between £1 million and £10 million. The higher the levels of indemnity required the higher the premium. Tools cover is usually rated on a replacement new for old, sum insured basis, where you define the value of your tools.

Most trades and small business will have premises that need protection against buildings perils such as fire and flood. Small commercial property insurance is available to cover all buildings insurance risks and is often sold as a package for a particular type of trade. For example Shops Insurance, Dentists and Surgeries or Builders Insurance Packages.

Trademan’s premises packages contain commercial contents insurance for business premises, which covers office and business equipment including files and data processing against the common perils. For companies and trademan that keep stock, this type of business contents insurance can be extended to cover risk such as deterioration and damage.

For the small tradesperson who works from home these covers are often available with strict limits of indemnity, as a bolt on to a standard home buildings and contents policy. This type of cover is often  only effective for self employed people with just a computer and a home office.

Other tradesman insurance covers

One of the largest problems faced by a small business or trades with premises is that of how to continue in business should a catastrophe happen, for example a fire that destroys the premises or machinery or stock. In order to deal with this Business Insurance companies have devised a cover called ‘Business Interruption Insurance’.

Premiums are based on your previous years annual turnover. BI covers your company against all losses caused by interruption to trading due to any of the perils mentioned on the policy and will pay out on a indemnified basis for the period of cover agreed in the policy. Most policies will also offer some type of alternative trading accommodation to enable you business to continue whilst the premises are being repaired.

Additional small business and trades insurance risks

Because commercial insurance is designed to cover all classes of business, there are many various trade or business specific covers available which can be added to a combined policy.

Examples of these covers include loss of licence to trade, book debts, hauliers cover, warehouse cover, and plant inspection services. Various people protection policies are also available for businesses including Keyman insurance which provides cover against the loss of key people within your organisation. Business mortgage protection provides a monthly payment for business premises should you suffer and accident or sickness. Group ASU policies are also available to protect your staff and employees.

Buying Tradesman Insurance Policies

Commercial insurance and tradesman risks covers for tradesmans insurance are widely available online today and it is a simple process to find a website where you can compare trademans insurance quotes.

However, purchasing trademans liability insurance can be a daunting experience for the uninitiated small business owner  or tradesman just starting off in business, and unless the risks are straightforward and can be underwritten online, it is advisable for all companies to approach the services of a local or regional commercial insurance broker who deals with speciifc tradesman liability insurance and covers for risks in your particular trade.