Friday, 15 March 2013

Mesothelioma & Other Asbestos Related Diseases


What causes asbestos related diseases such as malignant mesothelioma?

Asbestos related diseases are caused by exposure to asbestos. Asbestos is a mineral and it is a fibre. Its unique properties – flexibility, tensile strength, insulation (from heat and electricity) and chemical inertness – once gave it a reputation as one of the most useful and versatile minerals known to humanity. It is the only natural mineral that can be spun and woven like cotton or wool into useful fibres and fabrics.
At one time, asbestos was used in more than 3000 products. From 1950 to 1970, asbestos was everywhere. While the use of asbestos declined from the 1980s, asbestos continued to be imported into Australia until January 2004.
As a result, many people in the community are likely to have been exposed to asbestos and develop an asbestos-related disease. It is unusual for it to strike someone under the age of 30 years, because there is generally a period of 15 to 40 years between exposure to asbestos and the occurrence of disease.
No matter how unique the circumstances of your exposure or even if you don't know how you were exposed, if you have an asbestos-related disease it is likely that you will have some kind of viable claim for compensation.
Proper legal research and advice is critical. The following are all asbestos-related diseases:
  • Mesothelioma

    Mesothelioma is an aggressive cancer that forms in the lining of the lungs at any time from 10 to 60 years after first exposure to asbestos. It can also occur in the peritoneum. The average life expectancy following diagnosis with mesothelioma is about 1-2 years although significant variations of malignant mesothelioma do occur.

    Mesothelioma develops from the mesothelial cells of the pleura. It is much more common amongst men then in women. In most instances malignant mesothelioma develops after anywhere from 20-50 years after asbestos exposure.

    Mesothelioma is curable but this is very unlikely. It can be combated by surgery, chemotherapy or radiotherapy and much like other cancers, the later it is diagnosed, the harder it is to fight.
  • Lung cancer

    There are about six different forms of lung cancer. All of them can be caused by exposure to asbestos, one of the most malignant being mesothelioma. Most lung cancer sufferers who were exposed to asbestos also smoked.

    If you smoked it is important to be aware that the fact that smoking contributed to your cancer does not prevent you from bringing a claim in relation to your asbestos exposure. In many cases, it is the combination of smoking and asbestos exposure that is the cause of lung cancer. So, even if smoking is a cause of your lung cancer, you may still have an asbestos claim.
  • Asbestosis

    Asbestosis unlike mesothelioma is not a cancer. It is a slow onset progressive disease that affects breathing by hardening and scarring the lung, which can be severely debilitating. Sufferers of asbestosis also run the risk of getting asbestos-related cancer such as mesothelioma.
  • Pleural disease

    Unlike mesothelioma, pleural disease is not a cancer. It is a slow onset progressive disease that can result in pain and breathlessness when the lining of the lungs hardens and constricts, similar to asbestosis. This inhibits the capacity of the lungs to expand and contract and can affect people for many years.
  • Pleural plaques

    Pleural plaques are not cancer. They are markings on the lining of the lung that indicate past exposure to asbestos. Pleural plaques can calcify or harden. Depending on their position and how extensive they are, pleural plaques can cause some pain and lung restriction. However usually pleural plaques are not disabling.

Why You Should Have Life Insurance

 Why You Should Have Life Insurance

Why You Need to Have Life Insurance


Life is so uncertain and that is why everyone, including you, should have life insurance in place. Face it; you really never know what could happen even in just the next few moments. Having life insurance can save your loved ones from headaches adding to their heartache should something happen to you.

I was always amazed when I was a stock broker at the amount of clients I had who wanted to leave something to their families if anything ever happened to them yet their planning was all messed up. While they may have been very astute at investing, many times they did not have life insurance in place. So, I found myself explaining a lot why life insurance is so important.

Replacement of Income

If you were to die tomorrow, how much income would your family lose? Does your spouse or significant other make enough to enjoy the same standard of living without you around? Your life insurance needs to be able to replace your lost income for many years to come so your family doesn't have to alter their way of life.

Final Resting Fees

Even if you can only afford a very small amount of life insurance you need to obtain some to cover your final resting fees if for nothing else. Your family will already be devastated with the fact that you are gone, do you really want them stressing out about how they are going to come up with the money to pay for your funeral and memorial?

Future Expenses

If you have children and you leave no money behind, how will they pay for college? How will your spouse pay for the mortgage on your home? Anything that you may have intended on paying for going forward will need to be covered, which is hard to accomplish if you leave nothing behind.

Everyone needs life insurance. How much you need and what type is right for you will all depend on your own set of personal circumstances. To get a better idea, you should sit down with your insurance agent and ask them to help you decide.

While it is a bit morbid to think about death, it is necessary. Life insurance is a needed tool for total peace of mind and while you may hope you never need to use it, your family will be glad you had it if something ever happens to you. Protect and provide for your family even after you are gone with life insurance.

Source: Nationwide, Why Buy Life insurance? | Who Needs Life Insurance? | Nationwide.com, Nationwide.com

Smart Link

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Wednesday, 13 March 2013

Australian and New Zealand Government Sectors

Australia and NZ local government sectors

This list will be updated regulary if interest is shown

NSW Local Government


  • Albury City Council
  • Armidale Dumaresq Council
  • Ashfield Municipal Council
  • Auburn Council
  • Ballina Shire Council
  • Bankstown City Council
  • Bega Valley Shire Council
  • Bellingen Shire Council
  • Berrigan Shire Council
  • Blacktown City Council
  • Bland Shire Council
  • Blayney Shire Council
  • Blue Mountains City Council
  • Bogan Shire Council
  • Brewarrina Shire Council
  • Broken Hill City Council
  • Burwood City Council
  • Byron Shire Council
  • Cabonne Council
  • Camden Council
  • Campbelltown City Council
  • Canterbury City Council
  • Carrathool Shire Council
  • Cessnock City Council
  • City of Botany Bay
  • City of Canada Bay Council
  • City of Sydney Council
  • Clarence Valley Council
  • Coffs Harbour City Council
  • Coonamble Shire Council
  • Cowra Shire Council
  • Deniliquin Council
  • Dubbo City Council
  • Dungog Shire Council
  • Eurobodalla Shire Council
  • Fairfield City Council
  • Gilgandra Shire Council
  • Goldenfields Water County Council
  • Gosford City Council
  • Great Lakes Council
  • Greater Hume Shire Council
  • Greater Taree City Council
  • Griffith City Council
  • Guyra Shire Council
  • Gywdir Shire Council
  • Hay Shire Council
  • Hornsby Shire Council
  • Hurstville City Council
  • Inverell Shire Council
  • Jerilderie Shire Council
  • Kempsey Shire Council
  • Kogarah Council
  • Ku-ring-gai Council
  • Lachlan Shire Council
  • Lake Macquarie City Council
  • Lane Cove City Council
  • Leeton Shire Council
  • Leichhardt Council
  • Lismore City Council
  • Lithgow City Council
  • Liverpool City Council
  • Maitland City Council
  • Manly Council
  • Marrickville Council
  • Mid-Western Regional Council
  • Mosman Municipal Council
  • Murrumbidgee SHire Council
  • Muswellbrook Shire Council
  • Narrabri Shire Council
  • Narrandera Shire Council
  • Narromine Shire Council
  • Parkes Shire Council
  • Parramatta City Council
  • Penrith City Council
  • Pittwater Council
  • Port Macquarie - Hastings Council
  • Port Stephens Council
  • Queanbeyan City Council
  • Randwick City Council
  • Richmond Valley Council
  • Riverina Water County Council
  • Roads and Traffic Authority
  • Rockdale City Council
  • Ryde City Council
  • Snowy River Shire Council
  • Strathfield Council
  • Sutherland Shire Council
  • Sydney Ports Corporation
  • Tamworth Regional Council
  • Temora Shire Council
  • Tenterfield Shire Council
  • The Hills Shire Council
  • Tweed Shire Council
  • Upper Hunter Shire Council
  • Upper Lachlan Shire Council
  • Uralla Shire Council
  • Wagga Wagga City Council
  • Walcha Shire Council
  • Walgett Shire Council
  • Warringah Council
  • Waverley Council
  • Wellington Council
  • Willoughby City Council
  • Wentworth Shire Council
  • Wollondilly Shire Council
  • Wollongong City Council
  • Woollahra Municipal Council
  • Wyong Shire Council
  • Yass Valley Council

Queensland Local Government


  • Whole of Government licence
  • Fraser Coast Regional Council
  • Maroochy Shire Council

South Australian Local Government


  • Adelaide City Council
  • Adelaide Hills Council

Tasmanian Local Government


  • Break O’Day Council
  • Central Coast Council
  • Circular Head Council
  • City of Burnie
  • Clarence City Council
  • Devonport City Council
  • Dorset Council
  • Glamorgan Spring Bay Council
  • Glenorchy City Council
  • Hobart City Council
  • Kentish Council
  • Kingborough Council
  • Latrobe Council
  • Sorell Council
  • Tasman Council

Victorian Local Government


  • Banyule City Council
  • Bass Coast Shire Council
  • Bayside City Council
  • Benalla Rural City Council
  • Brimbank City Council
  • Buloke Shire Council
  • Cardinia Shire Council
  • City of Boroondara
  • City of Casey
  • City of Glen Eira
  • City of Greater Geelong
  • City of Yarra
  • Frankston City Council
  • Gannawarra Shire Council
  • Greater Shepparton City Council
  • High Country Library Corporation
  • Hume City Council
  • Indigo Shire Council
  • Kingston City Council
  • Knox City Council
  • Macedon Ranges Shire Council
  • Mansfield Shire Council
  • Maribyrnong City Council
  • Melton Shire Council
  • Moreland City Council
  • Mount Alexander Shire Council
  • Moyne Shire Council
  • Nillumbik Shire Council
  • Port Phillip City Council
  • Shire of Glen Eira
  • South Gippsland Shire Council
  • Surf Coast Shire Council
  • Swan Hill Rural City Council
  • Warrnambool City Council
  • Wyndham City Council

Western Australian Local Government


  • Augusta-Margaret River Shire Council
  • City of Albany
  • City of Armadale
  • City of Bayswater
  • City of Belmont
  • City of Canning
  • City of Fremantle
  • City of Gosnells
  • City of Joondalup
  • City of Kalgoorlie-Boulder
  • City of Mandurah
  • City of Melville
  • City of Nedlands
  • City of Perth
  • City of Rockingham
  • City of South Perth
  • City of Stirling
  • City of Subiaco
  • City of Swan
  • City of Wanneroo
  • East Perth Redevelopment Authority
  • Eastern Metropolitan Regional Council
  • Mindarie Regional Council
  • Serpentine Jarrahdale Shire
  • Shire of Ashburton
  • Shire of Beverley
  • Shire of Boddington
  • Shire of Bridgetown-Greenbushes
  • Shire of Brookton
  • Shire of Broome
  • Shire of Broomehill - Tambellup
  • Shire of Carnamah
  • Shire of Chapman Valley
  • Shire of Chittering
  • Shire of Collie
  • Shire of Coolgarie
  • Shire of Coorow
  • Shire of Corrigin
  • Shire of Cranbrook
  • Shire of Cue
  • Shire of Cunderdin
  • Shire of Dalwallinu
  • Shire of Dandaragan
  • Shire of Denmark
  • Shire of Derby - West Kimberley
  • Shire of Dowerin
  • Shire of Dumbleyung
  • Shire of Esperance
  • Shire of Gingin
  • Shire of Gnowangerup
  • Shire of Halls Creek
  • Shire of Irwin
  • Shire of Jerramungup
  • Shire of Joondalup
  • Shire of Kalamunda
  • Shire of Kojonup
  • Shire of Koorda
  • Shire of Kulin
  • Shire of Lake Grace
  • Shire of Laverton
  • Shire of Leonora
  • Shire of Meekatharra
  • Shire of Merredin
  • Shire of Mingenew
  • Shire of Morawa
  • Shire of Mukinbudin
  • Shire of Mullewa
  • Shire of Mundaring
  • Shire of Murray
  • Shire of Ngaanyatjarraku
  • Shire of Peppermint Grove
  • Shire of Perenjori
  • Shire of Pingelly
  • Shire of Plantagenet
  • Shire of Ravensthorpe
  • Shire of Roebourne
  • Shire of Sandstone
  • Shire of Shark Bay
  • Shire of Toodyay
  • Shire of Three Springs
  • Shire of Wagin
  • Shire of Wandering
  • Shire of Wickepin
  • Shire of Wiluna
  • Shire of Wyalkatchem
  • Shire of Wyndham - East Kimberley
  • Shire of Yalgoo
  • Southern Metropolitan Regional Council
  • Town of Bassendean
  • Town of Claremont
  • Town of Cottesloe
  • Town of Geraldton
  • Town of Kwinana
  • Town of Narrogin
  • Town of Northam
  • Town of Port Hedland
  • Town of Victoria Park
  • Town of Vincent

ACT Government


  • Whole of Government licence

Northern Territory Local Government


  • Alice Springs Town Council
  • City of Palmerston
  • Darwin City Council

Overseas councils


  • Auckland City Council (New Zealand)
  • Christchurch City Council (New Zealand)
  • City of Ottawa Archives (Canada)
  • North Shore City Council (New Zealand)
  • Papakura District Council (New Zealand)
  • Porirua City Council (New Zealand)
  • Shire of Christmas Island
  • Shire of Cocos (Keeling) Islands
  • Timaru District Council (New Zealand)
  • Waikato District Council
  • Waitakere City Council (New Zealand)
  • Wanganui District Council (New Zealand)

Other organisations


  • Australian Local Government Association
  • NSW Local Government and Shires Association

Sunday, 10 March 2013

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Saturday, 9 March 2013