First Steps to Building Your Own House

Judging by the number of home buying, DIY and building programmes you see on the TV, it is fair to say that Britain is a nation obsessed by property. Yet many of our actual houses are dull, uninspiring, developer-built boxes. However, if you crave something different and distinctive what’s the answer? Well, how about building your own house?

Land Ahoy!

The first step to building a house is of course to obtain some land to build it on. This may not be quite as simple as you think. Getting permission to build on a green field site is difficult if not impossible in some areas so don’t just dash out and purchase a field with a nice view. You’re better off going to an estate agent and finding an existing ugly or dilapidated house. Most councils will not object to your pulling it down and starting again, especially if it’s a bit of an eyesore. However, beware of buying anything pre-WW2 as it may have claims to historical value and therefore might be protected.

Getting Permission

Of course before you can build anything you need to get permission. Planning regulations tend to be relatively conservative and you’ll struggle to get approval for anything too avant-garde. However, provided you give a nod to local building styles and materials you should be okay. This needn’t mean that the house has to be a dull copy of those around it; it simply means that by cleverly incorporating contemporary design with local materials you can create a distinctive and interesting outcome.

Choosing an Architect

An architectural consultants role isn’t just to design the building as they can also help to manage the whole process. By negotiating with contractors, a good architect can take much of the stress out of a building project. It’s a good idea to engage with a firm that has knowledge of the local area as they’ll be able to advise on specific conditions and requirements and offer a wide array of architectural services.

Talk to several firms about your project and ask if they’ve done similar types of work. They should be happy to show you examples of other similar jobs they’ve done and have recommendations from other clients.

It’s important to find an architect that you’re at ease working with as you’ll be having a lot of contact with them over the course of a project. Of course you need to talk about fees too. Some will charge according to the time they spend on the project others will take a percentage of the project cost.

Building your own home isn’t an easy option. But as a way of getting your ideal property it has a lot to commend it. It can also be enormously fulfilling to see your project realised in three dimensions and you’ll have the knowledge that once it’s complete you’re living in something truly unique.

If you’re planning on building your own house you need a good firm of architectural consultants in Lincoln or your preferred area. It is vital that you speak to local experts when choosing an architect to find one who can offer you exactly what you want and who will work well with you.

Metastasis of Liver: Stay Alert to prevent Secondary Liver Cancer

Being the largest internal organ, the liver plays an essential role in maintaining your body and keeping you healthy. Although it can regenerate itself, we cannot ignore the health of the liver. It is impossible to live without a functioning liver. Did you know liver cancer is one of the deadliest diseases in the world today? Even in our country, we are witnessing growing casualties related to liver cancer.

The problem with liver cancer or any other type of GI cancer is the late manifestation of symptoms. If you do not undergo routine medical checkups at your gastroenterologist, cancer may spread to other organs and prove to be a fatality in extreme cases. Metastatic liver cancer is such cancer.

In contrast to primary liver cancers including hepatocellular carcinoma or hepatoblastoma, metastatic liver cancer does not originate in the organ. It means that the cancer cells originated outside of the liver, but they metastasized (spread) to the liver because of a lack of medical attention and timely treatment. It is for the same reason liver cancer specialists call it “secondary liver cancer,” “liver metastases,” and “stage IV or advanced cancer.”

Often, 70% of colon cancer or rectal cancer metastasizes to the liver. One of the primary reasons for the metastasis is the portal vein. It connects the blood supply from the intestines to the liver. Other types of cancers as breast cancer, cancer of the esophagus, stomach cancer, pancreatic cancer, skin cancer, etc., can lead to metastasis of the liver.

Are there any Symptoms of Secondary Liver Cancer?

As liver metastasis does not begin in liver cells, it is difficult to look for symptoms in the earlier stages of the disease. However, if cancer metastasizes to the liver, you may experience the following signs:

>> Abdominal discomfort

>> Pain in the upper right abdomen

>> Bloating and itching

>> Weakness and fatigue

>> Loss of appetite

>> Unintentional weight loss

>> Jaundice

>> Enlarged liver

>> Nausea, vomiting, and fever

>> Edema/swelling of legs

>> Dark-colored urine

If you see consistent vomiting, blood in vomit or stools, swelling in the legs or the abdominal region, or jaundice, consult an experienced liver cancer specialist immediately. It is essential for patients with a history of GI cancer.

How will the Liver Cancer Surgeon diagnose Metastasis of the Liver?

If you have a history of GI cancer or notice symptoms of GI troubles quite frequently, you must visit a surgical gastroenterologist/liver cancer specialist for routine checkups. If the doctor identifies enlargement of the liver, he may suspect a metastasis of the liver and ask you to undergo the following tests to confirm the diagnosis:

a. Liver function tests help in understanding how your liver is functioning. With the help of alpha-fetoprotein (AFP) levels, the doctor will identify whether the cancer is primary or secondary liver cancer.

b. An abdominal CT scan will provide images of the liver and help the liver cancer specialist to identify cancerous cells.

c. A liver ultrasound test will use high-frequency sound waves to understand the liver tissues in detail.

d. An MRI (Magnetic Reasoning Imaging) provides clear images of the liver with the help of radio waves and a magnet.

e. The liver cancer doctor can also use an angiogram to learn more about the soft tissues of the organ. He may even use laparoscopy as a diagnostic tool to confirm the presence of metastasis of the liver.

What is the Treatment for Metastasis of Liver?

Doctors call the disease Type IV cancer because curative surgeries are rarely possible. However, in selected cases of secondary liver cancer caused due to colorectal cancer, neuroendocrine cancer or certain other types of cancer, a curative liver resection surgery can help the patient.

The liver cancer surgeon may also recommend palliative surgeries and treatments to control the symptoms and help patients live as healthy as possible. The doctor will consider the following factors before suggesting possible surgery options:

1. Patient’s age and health

2. Patient’s past medical history

3. The size of the metastatic tumor

4. The spread of the primary cancer

Chemotherapy and targeted therapy can be a possible course of treatment to slow the growth of the cancerous tumor. There is also a therapy called radiofrequency ablation that generates heat to destroy the cancer cells in the liver.

Routine Medical Checkups is the Key

Once cancer has metastasized to the organ, there is often no cure. Doctors can help you to increase your life expectancy and offer palliative solutions. However, the best prevention against secondary liver cancer or any GI cancer is timely treatment. If we can avoid the metastasis of cancer in the first place, we can ensure a long and healthy life for ourselves.

So, the key to good health is routine medical checkups. Consult your surgical gastroenterologist and learn how you can keep the liver healthy and avoid secondary liver cancer. Avoid alcohol consumption, lead an active life and ensure a balanced diet to keep liver problems at bay.

Quick Answers to your Questions regarding Mortgage Payment Protection Insurance

Loan and mortgage protection insurance is designed to help you, and your family keep up-to-date with your loan repayments, when life events happen unexpectedly and regardless of mitigating circumstances. Put simply, mortgages or loans are often long-term commitments, so it makes sense to protect them.

Do You Think About the Unexpected?

There are a number of reasons why even the most responsible money managers may get into financial difficulty. Any of the following reasons can strike at any time and will leave you struggling to make your loan repayments:

>> Change in health – due to sickness, injury or disease

>> Loss of income – due to involuntary unemployment, or

>> Death and Terminal illness – when cancer, stroke or heart attack, etc. may occur.

Loan and Mortgage Protection Insurance – The Benefits

There are a number of benefits you can get from having a loan and mortgage protection insurance plan in place, which include:

>> The premiums are fully tax deductible

>> Financial protection (you will save your family the worry of lost income)

>> You will save at tax time (you will get more money back in your tax return, and this means more money in your pocket)

>> You can choose how long you would like to receive cover benefits if you are injured and unable to work

>> Benefit payouts for total and permanent disability

>> A benefit amount (e.g. hospital cash) can be calculated for each night you spend in hospital

>> Associated accident costs can be provided to cover incidental costs (e.g. counseling and rehabilitation).

Common Questions regarding Loan and Mortgage Protection Insurance

Is Lenders Mortgage Insurance (LMI) different to Loan and Mortgage Insurance?

>> LMI – is compulsory and covers the lenders/credit providers if they lend you 80% or more

>> Loan and Mortgage Protection Insurance – covers your mortgage repayments in the event of death, sickness, unemployment or disability

Does the Unemployment Benefit apply if I am Self-Employed?

Yes. You may make a claim if:

>> You have worked in your business (for an average of 20 hours per week) for 180 days immediately prior to becoming unemployed, or

>> Your business has permanently ceased trading

What Happens to my Policy if my Unemployment Claim is Successful?

Your cover continues for death or terminal illness after making a successful unemployment claim, and your premium and benefits will remain the same.

Who will be the beneficiaries?

>> For a single life policy, the benefit will be paid to the policy owner or their estate, and

>> For a joint policy, the benefit payments are made to the policy owners jointly or to the surviving policy owner in the case of the death benefit

What happens if I need to make a claim and I have other insurance policies?

Upon acceptance of your claim, the loan or mortgage protection policy will payout a lump sum benefit directly to you or your estate and this will be in addition to any other payments you may receive from other insurance policies.

What if I am a Smoker now, will my Premium Change if I Stop Smoking?

>> Yes. Your premium can be changed to a non-smoker rate if you stop smoking for 12 consecutive months, and

>> You will need to make a declaration that you have not smoked any substance during this period

So, now that you are familiar with how “Loan and Mortgage Protection Insurance” can protect you and your family against any of life’s unexpected events, contact an insurance broker. He/she will understand your situation and suggest the best possible insurance policy for yourself.

Singh Finance is the perfect solution for your finance and insurance needs. The firm will help you in getting low rate home loan packages. It will also make sure that you get the best loan and mortgage protection insurance policy. Contact Singh Finance and get ready to make your life less stressful.