الثلاثاء، 27 فبراير 2018

mesothelioma


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الأحد، 16 أكتوبر 2016

MESOTHELIOMA LAW FIRM

MESOTHELIOMA LAW FIRM


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THE FINANCING PROPOSAL

THE FINANCING PROPOSAL




The purpose of this section is to help you turn your business plan into a financing proposal that fits your business needs and capital constraints. The financing proposal is slanted toward a banker's needs. In a very few situations, other capital sources should be approached-venture capital firms or investment bankers, for example. If your deal is large enough and the anticipated payoff is sufficiently high (financing needs of over $1 Million, with an anticipated payout rate greater than 40% annually are two rough measures), your banker and other advisors will steer you to the right people. Otherwise, don't waste your time or theirs. Most deals never get beyond the first screening (5% or so make it through) and only a handful of those get venture capital or go public. If your deal is attractive enough to warrant attention, you will want to tailor your proposal to the needs of your intended audience, a process beyondjhe scope of this handbook and one that requires detailed knowledge of the players involved. For the rest of you with more modest deals, turn to your banker first. Your banker may refer you to a local venture capital club or other source of equity-but start with your banker. If you need more equity than you have available. check with our accountant and lawyer. who may be in tough with individuals who invest in local or startup deals. lfyou don't have a banker and an accountant, you surely will have no need for specialized financing. The business plan you have developed throughout the preceding pages needs little alteration to become a. first-rate financing proposal. Some areas of the plan will be of little use to your banker (personal histories can be replaced by resumes, deviation analysis won't be needed). The difference between a business plan and a financing proposal is one of emphasis rather than design : The main function of your plan-is to enable you to understand and master the complexities of your. business while the function of the financing proposal is to show your prospective backers that you not only know what you are doing but will also make their. investment as risk-free as possible. Most bankers deal with small business owners who is on't understand the dillerences between types of inancing, the importance of those distinctions to a business, and the banker's point of view. Bymhowing, } same familiarity With how a business unancmg package looks from the banker's viewpoint. you will be on guard against two severe problems : 1 The banker who can't say no but who can't or won't provide adequate Enancingi and / or The banker who gives the wrong loan for the wrong z'easons . YOu will also better understand the role of a bank 113' the financing process : Banks are not venture caPitalists, not risk takers, not gamblers. 1'th shOuldn't be. Their business in investing other people's and they have to be cautious. Although the greatest dollar amounts of credit for businesses of all sizes is trade credit (money owed to suppliers), you single most important financing source is your local bank. Such esoteric financing tools as factoring, warehouse loans and the many forms of stocks, bonds and debt instruments just don't apply to most businesses. If you need them, your banker will help you find the right professionals. Debt 173. Equity : s when you go to your bank for a loan, you are seeking debt money, which you will repay oyer a period of time at an additional cost (interest). The money you invest in your business is ordinarily equity, that is} money that will not be repaid to you unless you sell 6* portion of your ownership. Debt iinancing doesn't lead to sharing ownership of your business with the Enancier. Equity iinancing does. Control is another matter. Your banker may exert substantial control over your business through a legal loan document or through suggestions~but he or she doesn't own your business. Debt pays interest,usua11y for a finite time. Equity pays profits forever. The distinction between debt and equity is important to your banker because the more debt then: is in relation to equity, the higher the risk. A high debt~ to-worth ratio (worth being roughly equivalent to equity but may include some kinds of subordinated debt) indicates high riskand high risk costs high interest if you can find new debt money at all. Why '9 Because debt money is rented money, and the rent must be paid no matter what the business' is doing. If you can t meet your debt payments, you go out of business Not only. that, but a highly leveraged business (higher than normal debt-to-worth ratio for that kind of business) must earn money 

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financial data

financial data





policy and control are the key ingredients of any successful business. policy establish what your business will do. control measures the accomplishment of policy goals. the heart of the operation is in the accounting system. before you start your business, it is essential to give you adequate accounting records. if you can't afford this, you are simply too undercapitalized to be in business. if you don't have enough managment experience to be starting a business this is a common problem area for many small business. control is essential. if you don't control your business it will control you. the overriding policy of your business is to find out what your markets want, to satisfy those wants, and to make a profit while doing so. the implementation of your policy depends on planning arid using your plan as a means of controlling your business. The first step toward managing your business for profits is to establish a bookkeeping system that provides you with the raw data {or the five control documents (balance sheet, break-even analyst. income statement, cash flow analysis, and deviation ; analysis) that will be developed in this section. Your bookkeeping system should be simple enough for you or an employee to keep up to date on a daily basis with provisions made for weekly, monthly, quarterly and yearly summaries. The system must contain cash controls (a checkbook and a cash register tape are part of your bookkeeping system). Beyond this, your method of bookkeeping should be suited to your specific needs. Since your bookkeeping system is the basis of your business information (control) system, and since only you know what kind of information you will require beyond the demands of this section, no attempt is made in this handbook to set up a system for you. i i There are three resources for setting up your bookkeeping system : 1. You or an in-house bookkeeper, 2.business service firms 3, Accountants. Each has advantages and drawbacks. You should decidc which suits your needs best. The do-it-yourself stems are lowest in cost but require more time and alien provide less information than professional business service firms and accountants provide. However. business service firms and accountants cost considerably more. Your best bet is to check out all three before making your decision. Keep in mind that business service firms and accountants act as outside staff (management consultants) for your business as pan; of their services. This extra service alone often justifies their higher costs. The Kind of insights a good accountant (whether with a business service firm or a CPA firm) can bring include analysis and interpretation of your financial statements, wide experience with many other small. businesses, lmowledge about people and markets, advice or choosing and using upfto-date computer power, and other general managerial tools. They also provide tax advice-which should be the least of your worries. (Sometimes a good tax accountant can actually nake you more money in tax sayings than he or she costs in fees). The two control documents 
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الخميس، 28 يوليو 2016

United States Military Academy

United States Military Academy




The United States Military Academy (USMA), also known as West Point, Army, The Academy, or simply The Point, is a four-year coeducational federal service academy located in West Point, New York in Orange County. It sits on scenic high ground overlooking the Hudson River, 50 miles (80 km) north of New York City.

The Academy traces its roots to 1801, when President Thomas Jefferson directed, shortly after his inauguration, that plans be set in motion to establish the United States Military Academy at West Point. The entire central campus is a national landmark and home to scores of historic sites, buildings, and monuments. The majority of the campus's Norman-style buildings are constructed from gray and black granite. The campus is a popular tourist destination complete with a large visitor center and the oldest museum in the United States Army.

Candidates for admission must both apply directly to the academy and receive a nomination, usually from a member of Congress or Delegate/Resident Commissioner in the case of Washington, D.C., Puerto Rico, Northern Mariana Islands, Guam, American Samoa, and the Virgin Islands. Other nomination sources include the President and Vice President of the United States.[6] Students are officers-in-training and are referred to as "cadets" or collectively as the "United States Corps of Cadets" (USCC). Tuition for cadets is fully funded by the Army in exchange for an active duty service obligation upon graduation. Approximately 1,300 cadets enter the Academy each July, with about 1,000 cadets graduating.

The academic program grants a bachelor of science degree with a curriculum that grades cadets' performance upon a broad academic program, military leadership performance, and mandatory participation in competitive athletics. Cadets are required to adhere to the Cadet Honor Code, which states that "a cadet will not lie, cheat, steal, or tolerate those who do." The academy bases a cadet's leadership experience as a development of all three pillars of performance: academics, physical, and military.

Most graduates are commissioned as second lieutenants in the Army. Foreign cadets are commissioned into the armies of their home countries. Since 1959, cadets have also been eligible to "cross-commission", or request a commission in one of the other armed services, provided that they meet that service's eligibility standards. Every year, a very small number of cadets do this, usually in a one-for-one "trade" with a similarly inclined cadet or midshipman at one of the other service academies.

The academy's traditions have influenced other institutions because of its age and unique mission. It was the first American college to have an accredited civil-engineering program and the first to have class rings, and its technical curriculum was a model for later engineering schools. West Point's student body has a unique rank structure and lexicon. All cadets reside on campus and dine together en masse on weekdays for breakfast and lunch. The academy fields fifteen men's and nine women's National Collegiate Athletic Association (NCAA) sports teams. Cadets compete in one sport every fall, winter, and spring season at the intramural, club, or intercollegiate level. Its football team was a national power in the early and mid-20th century, winning three national championships. Its alumni and students are collectively referred to as "The Long Gray Line", and its ranks include two Presidents of the United States (as well as the President of the Confederate States of America), presidents of Costa Rica, Nicaragua, and the Philippines, numerous famous generals, and seventy-five Medal of Honor recipients.



top military colleges in usa



List of United States military schools and academies



Private college-prep military schools
Admiral Farragut Academy (St. Petersburg, Florida; coeducational)
Army and Navy Academy (Carlsbad, California)
Benedictine College Preparatory (Goochland, Virginia)
Camden Military Academy (Camden, South Carolina)
Carson Long Military Institute (New Bloomfield, Pennsylvania)
Chamberlain-Hunt Academy (Port Gibson, Mississippi; coeducational)
Christian Brothers Academy (Albany, New York)
Culver Military Academy (Culver, Indiana)
Fishburne Military School (Waynesboro, Virginia)
Florida Air Academy (Melbourne, Florida; coeducational from 2005)
Fork Union Military Academy (Fork Union, Virginia)
Hargrave Military Academy (Chatham, Virginia)
Howe Military School (Howe, Indiana; coeducational)
La Salle Institute (Troy, New York)
Leonard Hall Junior Naval Academy (Leonardtown, Maryland; coeducational)
Lyman Ward Military Academy (Camp Hill, Alabama)
Marine Military Academy (Harlingen, Texas)
Marion Military Institute (Marion, Alabama; coeducational)
Massanutten Academy (Woodstock, Virginia; coeducational)
Millersburg Military Institute (Millersburg, Kentucky)
Missouri Military Academy (Mexico, Missouri)
New Mexico Military Institute (Roswell, New Mexico; coeducational)
New York Military Academy (Cornwall on Hudson, New York; coeducational)
Oak Ridge Military Academy (Oak Ridge, North Carolina; coeducational)
Randolph-Macon Academy (Front Royal, Virginia; coeducational)
Riverside Military Academy (Gainesville, Georgia)
San Marcos Baptist Academy (San Marcos, Texas)
St. Catherine's Academy (Anaheim, California; Kindergarten - 8th Grade; all boys)
St. John's College High School (Washington, DC; first JROTC school in the USA; coeducational)
St. John's Military School (Salina, Kansas)
St. John's Northwestern Military Academy (Delafield, Wisconsin)
St. Thomas Academy (Mendota Heights, Minnesota)
Southeastern Military Academy (Port St. Lucie, Florida)
TMI — The Episcopal School of Texas (San Antonio, Texas[2]
Valley Forge Military Academy and College (Wayne, Pennsylvania)
Wentworth Military Academy (Lexington, Missouri; coeducational)
Wisconsin Air Academy (New Berlin, Wisconsin; 6th-12th Grades; coeducational)
Public schools
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السبت، 26 مارس 2016

Tongue In Diseases Diagnosis

Tongue In Diseases Diagnosis :-



Introduction:

Tongue is a muscular organ associated with the function of deglutition,taste and speech.It acts as an easily accessible organ for the assessment of  health of an individual and shows the state of hydration of the body.It is said that tongue is the mirror of the gastrointestinal system and any abnormal functioning of the stomach and intestines will be reflected on the tongue. 

Some characteristic changes occur in the tongue in some particular diseases.That is why the examination of the tongue is very essential and will give some clues for diagnosis.All doctors examine the tongue and they consider the changes in size,shape,,colour,moisture,coating,nature of papillae and movements ect. 

Appearance of tongue in some abnormal conditions:- 

1) Movements of the tongue:-

a) In one sided paralysis of the body(hemiplegia)tongue moves towards the parylised side when protruded.    

b) Tremulus movement of the tongue is seen in diseases like thyrotoxicosis,delirium tremens and parkinsonisum.Tremor is also seen in nervous patients. 

c) In progressive bulbar palsy there will be wasting and paralysis of the tongue with fibrillation.Eventually the tongue gets shrivelled and lies functionless in the floor of the mouth.This condition is associated with dribbling of saliva and loss of speech. 

d) In chorea(involuntary rhythmic movements) the patient may not be able to keep the protruded tongue in rest,it will be moving involuntarily. 

2) Moistness of the tongue:-

The moistness of the tongue gives some indication about the state of hydration of the body.Water volume depletion leads to peripheral circulatory failure characterised by weakness,thirst,restlessness,anorexia,nausea,vomiting ,dry and parched tongue.

Dryness of the tongue is seen in following conditions.

a) Diarrhoea
b) Later stages of severe illness
c) Advanced uraemia
d) Hypovolumic shock
e) Heat exhaustion
f) Hyponatraemia
g) Acute intestinal obstruction
h) Starvation
i) Prlonged fasting.

3) Change in colour of tongue:-

a) Central cyanosis:-

Cyanosis is the bluish discolouration of the mucus membrane due to decrease in the amount of oxygen in the blood.This is seen in heart failure,respiratory failure and in anoxia.In cyanosis tongue,lips ect becomes pale bluish.

b) Jaundice:-

This is the yellowish discolouration of all mucus surfaces of the body (including tongue)due to increase of bilirubin in the blood.Jaundice is seen in hepatitis,bile duct obstruction,increased destruction of RBCs and ect...

c) Advanced uremia:-

This is the increase of urea and other nitrogenous waste products in the blood due to kidney failure.Here the tongue become brown in colour. 

d) Keto acidosis:-

This is the acidosis with accumulation of ketone bodies seen mainly in diabetes mellitus.Here the tongue become brown with a typical ketone smell from the mouth. 

e) Riboflavin deficiency:-

Deficiency of this vitamin (vitamin B2) produces megenta colour of the tongue with soreness and fissures of lips.      

f) Niacin deficiency:-

Deficiency of niacin (vitamin B3)and some other B complex vitamins results in bright scarlet or beefy red tongue. 

g) Anaemia:-

It is the decrease in haemoglobin percentage of the blood.In severe anaemia tongue becomes pale. 

4) Coating on the tongue:-

a) Bad breath:-

The main cause for bad breath is formation of a pasty coating(bio film) on the tongue which lodges thousands of anaerobic bacteria resulting in the production of offenssive gases.Those who complain about bad breath may have thick coating on the posterior part of the tongue. 

b) Typhoid fever:-

In typhoid fever tongue becomes white coared like a fur. 

c) Candidiasis;-

It is a fungal infection which affects the mucus surfaces of the body.On the tongue there will be sloughing white lesions.

d) In diabetes and hypoadrenalism there will be sloughing white lesions. 

e) Secondary syphilis:-

Syphilis is a sexually transmitted diseased caused by trepenoma pallidum infection.In secondary stage of this disease we can see mucous patches which are painless,smooth white glystening opalescent plaques which can not be scraped off easily. 

f) Leokoplakia:-

Here white keratotic patches are seen on the tongue and oral cavity.This is a precancerous condition.

g) AIDS:-

In these patients hairy leukoplakia is seen. 

h) Peritonitis:-

It is the inflammation of the peritonium(inner covering of abdominal cavity which also covers the intestines and keep them in position) in this condition there is white furring of the tongue. 

i) Acute illness:-

Furring is also seen in some acute diseases. 

5) Papillae:-

These are small projections on the rongue associated with taste.There are different type of papillae on the healthy tongue.In some diseases there are some abnormal changes which are following. 

a) Hairy tongue:-

This condition is due to elongation of filiform papillae seen in poor oral hygeine ,general debility and indigestion. 

b) Geographic tongue:-

Here irregular red and white patches appear on the tongue.These lesions looks like a geographic map.The excact cause is not known. 

c) Median rhomboid glossitis:-

In this condition there is smooth nodular red area in the posterior mid line of the tongue.This is a congenital condition. 

d) Nutritional deficiency:-

In nutrional deficiency there is glossitis(inflammation of tongue) leading to papillary hypertrophy followed by atrophy.     

e) Benign migratory glossitis:-

It is an inflamatory condition of the tongue where multiple annular areas of desquamation of papillae appear on the tongue which shift from area to area in few days.

f) Thiamine and riboflavin deficiency:-

Deficiency of these vitamins cause hypertrophied filiform and fungiform papillae.

g) Niacin and iron deficiency:-

In this condition there is atrophy of papillae.Smooth tongue is encountered in iron deficiency. 

h) Vitamin A deficiency:-

This causes furrowed tongue. 

i) In nutritional megaloblastic anaemia tongue becomes smooth. 

j) Folic acid deficiency:-

Here macrocytic megaloblastic anaemia with glossitis is seen. 

k) Cyano coblamine deficiency:-

Here glossitis with macrocytic megaloblastic anaemia and peripheral neuropathy is encountered.   

l) Scarlet fever;-

In this streptococcal infection there is bright red papillae standing out of a thick white fur ,later the white coat disappear leaving enlarged papillae on the bright red surface and is called strawberry tongue.  

6) Ulcers on the tongue:-- 

a) Apthous ulcer:-

These are round painful ulcers appear in stressed individuals frequently. May be associated with food allergy.Usual sites are tongue,lips,oral mucosa and ect. 

b) Herpes simplex:-

It is an acute vesicular eruptions produced by herpes simplex virus.When these vesicles rupture it forms ulcers. 

c) Ulcer in cancer:-

Cancerous ulcers are having everted edges with hard base.Bleeding is also seen.Cancer of the tongue is common in tobacco chewers. 

d) Syphilitic ulcers:-

Syphilitic fissures are longitudinal in direction.In primary syphilis extra genital chancre is seen on the tongue.In secondary syphilis multiple shallow ulcers are seen on the under surface and sides of the tongue.In tertiary syphilis gumma may be seen on the midline of the dorsum of the tongue.

e) Dental ulcers:-

These ulcers are produced by sharp edges of carious teeth.


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The Growth And Power Of Appetite

The Growth And Power Of Appetite:-



 One fact attendant on habitual drinking stands out so prominently that none can call it in question. It is that of the steady growth of appetite. There are exceptions, as in the action of nearly every rule; but the almost invariable result of the habit we have mentioned, is, as we have said, a steady growth of appetite for the stimulant imbibed. That this is in consequence of certain morbid changes in the physical condition produced by the alcohol itself, will hardly be questioned by any one who has made himself acquainted with the various functional and organic derangements which invariably follow the continued introduction of this substance into the body. 

But it is to the fact itself, not to its cause, that we now wish to direct your attention. The man who is satisfied at first with a single glass of wine at dinner, finds, after awhile, that appetite asks for a little more; and, in time, a second glass is conceded. The increase of desire may be very slow, but it goes on surely until, in the end, a whole bottle will scarcely suffice, with far too many, to meet its imperious demands. It is the same in regard to the use of every other form of alcoholic drink. 

Now, there are men so constituted that they are able, for a long series of years, or even for a whole lifetime, to hold this appetite within a certain limit of indulgence. To say "So far, and no farther." They suffer ultimately from physical ailments, which surely follow the prolonged contact of alcoholic poison with the delicate structures of the body, many of a painful character, and shorten the term of their natural lives; but still they are able to drink without an increase of appetite so great as to reach an overmastering degree. They do not become abandoned drunkards. 

 No man safe who drinks. ---------------------- 

 But no man who begins the use of alcohol in any form can tell what, in the end, is going to be its effect on his body or mind. Thousands and tens of thousands, once wholly unconscious of danger from this source, go down yearly into drunkards' graves. There is no standard by which any one can measure the latent evil forces in his inherited nature. He may have from ancestors, near or remote, an unhealthy moral tendency, or physical diathesis, to which the peculiarly disturbing influence of alcohol will give the morbid condition in which it will find its disastrous life. That such results follow the use of alcohol in a large number of cases, is now a well-known fact in the history of inebriation. The subject of alcoholism, with the mental and moral causes leading thereto, have attracted a great deal of earnest attention. Physicians, superintendents of inebriate and lunatic asylums, prison-keepers, legislators and philanthropists have been observing and studying its many sad and terrible phases, and recording results and opinions. While differences are held on some points, as, for instance, whether drunkenness is a disease for which, after it has been established, the individual ceases to be responsible, and should be subject to restraint and treatment, as for lunacy or fever; a crime to be punished; or a sin to be repented of and healed by the Physician of souls, all agree that there is an inherited or acquired mental and nervous condition with many, which renders any use of alcohol exceedingly dangerous. 

The point we wish to make with you is, that no man can possibly know, until he has used alcoholic drinks for a certain period of time, whether he has or has not this hereditary or acquired physical or mental condition; and that, if it should exist, a discovery of the fact may come too late. 

Dr. D.G. Dodge, late Superintendent of the New York State Inebriate Asylum, speaking of the causes leading to intemperance, after stating his belief that it is a transmissible disease, like "scrofula, gout or consumption," says: 

"There are men who have an organization, which may be termed an alcoholic idiosyncrasy; with them the latent desire for stimulants, if indulged, soon leads to habits of intemperance, and eventually to a morbid appetite, which has all the characteristics of a diseased condition of the system, which the patient, unassisted, is powerless to relieve since the weakness of the will that led to the disease obstructs its removal. 

"Again, we find in another class of persons, those who have had healthy parents, and have been educated and accustomed to good social influences, moral and social, but whose temperament and physical constitution are such, that, when they once indulge in the use of stimulants, which they find pleasurable, they continue to habitually indulge till they cease to be moderate, and become excessive drinkers. A depraved appetite is established, that leads them on slowly, but surely, to destruction."

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