The Type Of Mezzanine

mezzanine (or in French, an entresol) is, strictly speaking, an intermediate floor in a building which is partly open to the double-height ceilinged floor below, or which does not extend over the whole floorspace of the building. However, the term is often used loosely for the floor above the ground floor, especially where a very high original ground floor has been split horizontally into two floors.

Mezzanines may serve a wide variety of functions. Industrialmezzanines, such as those used in warehouses, may be temporary orsemi-permanent structures.

In French architecture, entresol also means a room created by partitioning that does not go up all the way to the ceiling; these were historically common in France, for example in the apartments for the nobility at the Palace of Versailles.

What is mezzanine floor?

A mezzanine floor is an intermediate floor between main floors of a building, and therefore typically not counted among the overall floors of a building. Often, a mezzanine is low-ceilinged and projects in the form of a balcony. The term is also used for the lowest balcony in a theatre, or for the first few rows of seats in that balcony. The word mezzanine comes from Italian mezzano “middle”.

In industrial applications, mezzanine floor systems are semi-permanent floor systems typically installed within buildings, built between two permanent original stories. These structures are usually free standing and in most cases can be dismantled and relocated.

Commercially sold mezzanine structures are generally constructed of three main materials; steel, aluminium, and fibreglass. The decking or flooring of a mezzanine will vary by application but is generally composed of b-deck underlayment and wood product finished floor or a heavy duty steel, aluminium or fibreglass grating.

The mezzanine is often used in shops and similar spaces for storage of tools or materials. The high roof of the shop is ideal for a mezzanine, and offices can be put either below or above it. Mezzanines are frequently used in industrial operations such as warehousing, distribution or manufacturing. These facilities have high ceilings, allowing unused space to be utilized within the vertical cube. Industrial mezzanine structures are typically either structural, roll formed, rack-supported, or shelf supported, allowing high density storage within the mezzanine structure.

What is ‘Mezzanine Financing’

Mezzanine financing is a hybrid of debt and equity financing that gives the lender the right to convert to an equity interest in the company in case of default, generally after venture capital companies and other senior lenders are paid. Mezzanine financing tends to be completed with little due diligence on the part of the lender and little or no collateral on the part of the borrower. It is treated as equity on a company’s balance sheet.


Mezzanine financing is generally offered to companies that have a track record in their industry, an established reputation and product, a history of profitability and a viable expansion plan for the business, such as through expansions, acquisitions or an initial public offering (IPO).

A typical interest rate for mezzanine financing is 12% to 20%, making it a high-risk, potentially high-return debt form. Mezzanine financing typically replaces part of the capital that equity investors would otherwise have to provide a company. For example, a private equity firm is purchasing a $200 million business. Senior lenders agree to provide $150 million. The private equity company secures mezzanine financing for $20 million and puts in $30 million of its own funds for the buyout. By using mezzanine financing, the purchasing company leverages its return while contributing less of its own capital.

Industrial mezzanines

 

In industrial settings, mezzanines may be installed (rather than built as part of the structure) in high-ceilinged spaces such as warehouses. These semi-permanent structures are usually free-standing, can be dismantled and relocated, and are sold commercially. Industrial mezzanine structures can be supported by structural steel columns and elements, or by racks or shelves Depending on the span and the run of the mezzanine, different materials may be used for the mezzanine’s deck Some industrial mezzanines may also include enclosed, paneled office space on their upper levels

Industrial mezzanines are typically not constructed of wood, although advancements in the engineering of composite lumber in the late 1990s and early 21st century greatly increased the viability of wood-based products as a mezzanine flooring solution. While mezzanines made out of wood are traditionally considered only as a solution for storageand not for material handling purposes, composite lumber panels are a commonly used for elevated platforms or in LEED certified warehouses due to the presence of recycled contents in the compost and a decreased dependency on the amount of structural steel required to raise the platform.

A structural engineer is sometimes hired to help determine whether the floor of the building can support a mezzanine (and how heavy the mezzanine may be), and to design the appropriate mezzanine

The Type Of Insurance

Insurance is a term used to refer to an action, system, or business where financial protection (or financial compensation) for the soul, property, health and so forth get a replacement from unpredictable events that can occur such as death, loss , damage or illness, which involves paying premiums regularly within a certain period of time instead of a policy that guarantees such protection.

The term “insured” usuallyrefers to everything that gets protection.

Basic Insurance Principles

In the insurance world there are 6 basic principles that must be met, namely:

• Insurable interest, namely the right to insure, arising from a financial relationship, between the insured and the insured and legally recognized.

• Utmost good faith, which is an action to disclose accurately and completely, all material (material fact) facts about something that will be insured whether requested or not. The meaning is: the insurer must honestly explain clearly everything about the extent of the terms / conditions of insurance and the insured must also provide clear and correct information on the object or interest insured.

• Proximate cause, which is an active, efficient cause that causes a chain of events that results in an effect without the intervention of one who starts and actively from new and independent sources.

• Indemnity, which is a mechanism by which the insurer provides financial compensation in an effort to place the insured in the financial position he had just before the loss occurred (KUHD article 252, 253 and affirmed in article 278).

• Subrogation, namely the transfer of claim rights from the insured to the insurer after the claim is paid.

• Contribution, which is the right of the guarantor to invite other guarantor who both bear, but do not have the same obligation to the insured to participate in providing indemnity.

Type of Insurance

1. Life Insurance

This type of insurance is known to provide financial benefits to the insured for his death. The payment system for this type of life insurance varies. There are insurance companies that provide payment after death and others can allow the insured to claim funds before his death.

Life insurance can be purchased for self-interest and on behalf of the insured alone or purchased for the benefit of a third person. Even life insurance is also known to be bought in other people’s lives. As an illustration, suppose a husband can buy life insurance that will provide benefits to him after the wife’s death. Parents can also insure themselves against the child’s death.

2. Health Insurance

This type of insurance is also quite well known by the people of Indonesia. Health insurance is an insurance product that handles the health problems of the insured because of an illness and covers the cost of the treatment process. Generally, the cause of the insured’s illness which can be borne by the insurance company is injury, disability, illness, until death due to accident.

Health insurance is also known to be bought for the benefit of the insured or the interests of a third person. Private health insurance companies such as Prudential, Allianz, AIA, Cigna, and Manulife are among the big names that provide a variety of insurance products to suit the needs of the Indonesian people and are widespread throughout the world.

3. Vehicle Insurance

The most popular vehicle insurance in Indonesia is a type of car insurance that focuses on injury coverage to other people or against damage to other people’s vehicles caused by the insured. This insurance can also pay for the loss or damage to the insured motor vehicle.

Vehicle insurance is one of the general insurance products. This type of insurance had become a boom when the riots broke out in May 1998 because the incident made people’s interest in protection ownership for private vehicles increase dramatically.

The financial site Cermati.com has partnered with well-known insurance companies in Indonesia so you as a customer can compare the best car insurance products with low rates.

4. Education insurance

Dizziness with children’s education costs? This type of insurance will help you overcome. Education insurance is the best alternative and a solution to ensure a better life, especially in children’s education assets. The cost of the premium that must be paid by the insured to the insurance company varies according to the level of education to be obtained later. Understanding the importance of using education insurance for children is now a matter of concern for parents. The high cost of education and other conditions that exacerbate the economy such as the weakening of our currency against the US dollar affect the cost of education for children later. Realizing that this clearly will burden parents, it is not uncommon for parents now to choose to have education insurance. So, education insurance can be classified as the types of priority insurance too, right? You will certainly be helped in taking care of the child’s future.

5. Travel insurance

Maybe for those of you who often travel or travel are familiar with this type of insurance. The various types of insurance also create a variety of protection for travelers. Overall, the function of travel insurance is not much different from the ordinary insurance function as a form of protection for customers with a short period of time that is for the premium buyer to travel until returning home. Benefits and protection that will be gained from having travel insurance include obtaining protection and coverage for accidents that affect premium buyers, personal accident benefits, dependents for emergency medical expenses, repatriation of bodies, medical evacuation, to protection of luggage that has a risk of being lost. or damaged.

6. Business insurance

For those of you who have a business field, this type of insurance is important to consider. In addition to the types of insurance that involve individual protection, insurance that protects businesses is also needed. Business insurance is a protection service against damage, loss and loss in a large amount that may occur in one’s business. This insurance provides compensation for damage caused by fire, explosion, earthquake, lightning, flood, hurricane, rain, collision, until riots. Insurance companies usually offer a variety of benefits from business insurance such as protection of employees as business assets, investment and business protection, comprehensive life insurance for all employees, to health insurance protection packages for employees.

Advantages of Insurance Companies

Insurance companies also benefit from investment. This is obtained from the investment premium received until they have to pay the claim. This money is called “float”

Insurers can get profit or loss from float price changes and also interest rates or dividends in float. In the United States, property losses and deaths recorded by insurance companies were US $ 142.3 billion in the five years ended 2003. But total profits in the same period were US $ 68.4 billion, as a result of the float.

Insurance Refusal

Some people consider insurance to be a form of betting that applies during the policy period. The insurance company bet that the buyer’s property will not be lost when the buyer pays the money. The difference in fees paid to insurance companies against the amount they can receive if an accident occurs is almost the same as if someone bet on horse racing (for example, 10 to 1). For this reason, some religious groups including the Amish avoid insurance and depend on the support received by their community when disaster occurs. In communities where close and supportive relationships where people can help each other to rebuild lost property, this plan can work. Most people cannot effectively support the system as above and this system will not work for big risks.

What Is Lung Cancer And What Is Sign Of Lung Cancer?

Lung cancer, also known as lung carcinoma, is a malignant lung tumor characterized by unbridled cell growth in tissues of the lung. Your lungs are two spongy organs in your chest that take in oxygen when you inhale and release carbon dioxide when you exhale.

Lung cancer growth can spread beyond the lung by the processof metastasis into nearby tissue or other parts of the body. Most {cancers|tumors}thatbegin in the lung, known as primary lung cancers, are carcinomas. Thetwo main types are small-cell lung carcinoma (SCLC) and non-small-cell lungcarcinoma (NSCLC).

Small cell lung cancer occurs almost exclusively in heavy smokers and is less common than non-small cell lung cancer. While Non-small cell lung cancer is an umbrella term for several types of lung cancers that behave in a similar way. Non-small cell lung cancers include squamous cell carcinoma, adenocarcinoma and large cell carcinoma.

The vast majority (85%) of cases of lung cancer are due to long-term tobacco smoking. About 10–15% of cases occur in people who have never smoked. These cases are often induce by a combination of genetic factors and exposure to radon gas, asbestos, second-hand smoke, or other forms of air pollution.

At first your body may be able to fix this damage. But with each repeated exposure, normal cells that line your lungs are increasingly damaged. Over time, the damage causes cells to act abnormally and eventually cancer may develop.

Lung cancer may be seen on chest radiographs and computed tomography (CT) scans. The diagnosis is confirmed by biopsy which is usually performed by bronchoscopy or CT-guidance.

Just information that Lung cancer is the  major cause of cancer deaths in the United States, among both men and women. However, lung cancer claims more lives each year than do colon, prostate, ovarian and breast  tumors though combined.

Lung cancer typically doesn’t cause signs and symptoms in its earliest stages. Signs and symptoms of lung cancer typically occur only when the disease is advanced.

Signs and symptoms of lung cancer may include:

  • A new cough that doesn’t go away
  • Coughing up blood, even a small amount
  • Shortness of breath
  • Chest pain
  • Hoarseness
  • Losing weight without trying
  • Bone pain
  • Headache

Avoidance of risk factors, including smoking and air pollution, is the primary method of prevention.  Medication and long-term outcomes depend on the type of cancer, the stage (degree of spread), and the person’s overall health.Most cases are not curable. Common treatments include  operation, chemotherapy, and radiotherapy. NSCLC is sometimes treated with surgery, whereas SCLC usually responds better to chemotherapy and radiotherapy.

Worldwide in 2012, lung cancer occurred in 1.8 million people and resulted in 1.6 million deaths. This makes it the most common cause of cancer-related death in men and second most common in women after breast cancer. The most common age at diagnosis is 70 years. Overall, 17.4% of people in the United States diagnosed with lung cancer defend five years after the diagnosis, while outcomes on average are worse in the developing world.

The Symptoms Of Mesothelioma And Its Definition

Mesothelioma is a type of cancer that develops from the thin layer of tissue that covers many of the internal organs (known as the mesothelium). The most {common|general} area affected is the lining of the lungs and chest wall. Less commonly the lining of the abdomen and rarely the sac surrounding the heart, or the sac surrounding the testis may be affected. Signs and symptoms of mesothelioma may include shortness of breath due to fluid around the lung, a swollen abdomen, chest wall pain, cough, feeling weary, and weight loss. These symptoms typically come on slowly.

According to a 2017 report by the Centers for DiseaseControl, 2,400 – 2,800 people are diagnosed with mesothelioma in the UnitedStates each year. And more than 2,600 people are diagnosed with the conditioneach year in the UK. Most cases are diagnosed in people aged 60-80 and men areaffected more commonly than women.

More than 80% of mesothelioma cases are caused by exposure to asbestos. The greater the exposure the greater the risk. As of 2013 about 125 million people have been exposed to asbestos at work. High number of disease occur in people who mine asbestos, produce products from asbestos, work with asbestos products, live with asbestos employee, or work in buildings containing asbestos.

Asbestos exposure and the onset of tumor are generally separated by about 40 years. {Washing|Wash} the clothing of someone who worked with asbestos also increases the risk. Other risk factors include genetics and infection with the simian virus 40. The diagnosis may be suspected based on chest X-ray and CT scan findings, and is confirmed by either examining fluid produced by the cancer or by a tissue biopsy of the cancer.

As for symptoms of mesothelioma in the lining of the lungs include:

  • chest pain
  • shortness of breath
  • fatigue (extreme tiredness)
  • a high temperature (fever) and sweating, particularly at night
  • a persistent cough
  • loss of appetite and unexplained weight loss
  • clubbed (swollen) fingertips

While symptoms of mesothelioma in the lining of the tummy include:

  • tummy pain or swelling
  • feeling or being sick
  • loss of appetite and unexplained weight loss
  • diarrhoea or constipation

Prevention centers around reducing exposure to asbestos. Treatment often includes {surgery|operation}, radiation therapy, and chemotherapy.

  • Chemotherapy – this is the main treatment for mesothelioma and involves using drug to help shrink the cancer
  • Radiotherapy – this involves using high-energy radiation to kill cancer cells and it may be used to slow the cancer down and keep it under control
  • Surgery – an operation to remove the cancerous area can be done if mesothelioma is detected at a very early stage, although it’s not clear whether surgery is helpful

A procedure known as pleurodesis, which involves using substances such as talc to scar together the pleura, may be used to prevent more fluid from building up around the lungs. Chemotherapy often includes the medications cisplatin and pemetrexed. The percentage of people that survive five years following diagnosis is on average 8% in the United States.

In 2015 about 60,800 people had mesothelioma and 32,000 died from the disease. Rates of mesothelioma vary in dissimilar|diverse areas of the world. And the disease was scarce before the commercial use of asbestos.