I keep at least 16 years cash in reserve at all times.
I pay for trucks with cash and buy two at once and store the other one, just in case.
Other than that, credit union.
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Yesterday, 12:23 PM
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Join Date: Jan 2007
Location:
Posts: 53
Quote:
This is THT.
I keep at least 16 years cash in reserve at all times.
I pay for trucks with cash and buy two at once and store the other one, just in case.
Other than that, credit union.
Lmfao. That is so true. But you forgot to mention that your boat is the best and everything else is crappy.
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Yesterday, 12:27 PM
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Join Date: Oct 2010
Location: Cape Cod/Central Ma
Posts: 3,622
Quote:
Lmfao. That is so true. But you forgot to mention that your boat is the best and everything else is crappy.
He doesn't have a boat....
__________________ 2008 Sea Hunt 240 Triton w/Yamaha F250
2006 HydraSports 212 WA w/Yamaha F150 - sold
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Yesterday, 12:54 PM
Senior Member
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Join Date: Apr 2009
Location: Too far from salt.
Posts: 2,682
Don't you belong to a bank or credit union? Do you really have to ask where to find a loan? Google, best auto loans. Jeez
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Yesterday, 12:57 PM
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Join Date: Sep 2011
Posts: 2,589
Quote:
He doesn't have a boat....
I do, I just don't brag about it.
It's at my house.
The house on St. Kitts.
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Yesterday, 01:03 PM
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Join Date: Oct 2010
Location: Cape Cod/Central Ma
Posts: 3,622
Quote:
I do, I just don't brag about it.
It's at my house.
The house on St. Kitts.
When can I come for a visit? I can pick you up in my plane. It's the same one Phil Mickelson has.
__________________ 2008 Sea Hunt 240 Triton w/Yamaha F250
2006 HydraSports 212 WA w/Yamaha F150 - sold
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Yesterday, 01:03 PM
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Join Date: Oct 2010
Location: Cape Cod/Central Ma
Posts: 3,622
CARV, we know you have no friends....
__________________ 2008 Sea Hunt 240 Triton w/Yamaha F250
2006 HydraSports 212 WA w/Yamaha F150 - sold
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Yesterday, 01:05 PM
Senior Member
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Join Date: Aug 2011
Posts: 541
Quote:
Don't you belong to a bank or credit union? Do you really have to ask where to find a loan? Google, best auto loans. Jeez
Why would he have ever had to get a loan? He kept every dime he ever made stuffed in his mattress, but after taxes returned to what they were in previous years, plus that damn Obamacare that is going to instantly suck everyone dry, a loan is now required!
Like others have said, shop your local credit union, but don't hesitate to haggle with dealer financing as well, as they can sometimes offer lower rates as they bring many loans to different banks.
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Yesterday, 01:08 PM
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Join Date: May 2005
Location: Pompano Beach, FL
Posts: 6,013
Try penfed.org
It'll take a week or so to get the check, and they aren't the brightest, but they are dirt cheap. That's a big benefit when you're dealing with a car manufacturer that doesn't have great rates on their more popular models. Penfed right now is 1.49% for a 5 year loan I believe. The usual, you apply online and they mail you a check that you can make out to the car dealer.
You have to be "a member" but you can join on their site for $20. Totally legit.
__________________ 2004 Cape Horn 31
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Yesterday, 02:01 PM
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Join Date: Feb 2012
Posts: 54
Quote:
Try penfed.org
It'll take a week or so to get the check, and they aren't the brightest, but they are dirt cheap. That's a big benefit when you're dealing with a car manufacturer that doesn't have great rates on their more popular models. Penfed right now is 1.49% for a 5 year loan I believe. The usual, you apply online and they mail you a check that you can make out to the car dealer.
You have to be "a member" but you can join on their site for $20. Totally legit.
To Everyone: Thanks for keeping the mood "light".
Sometimes people have a great experience with a particular company in these situations that is why I asked. Of course I have a bank to go to but prefer not to deal with Wells Fargo.
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Yesterday, 02:10 PM
Senior Member
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Join Date: Mar 2006
Location: South Carolina
Posts: 7,166
I have a friend who buys car paper for a bank all day long. He went to a credit union as they had a better rate than his banks employee rate.
__________________ Living in South Carolina, fishing any place. "People sleep peaceably in their beds at night only because rough men stand ready to do violence on their behalf". G. Orwell
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Yesterday, 03:46 PM
Member
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Join Date: Jan 2007
Posts: 78
credit union, local bank. Just get informed, dealership may be the best around. I would definitely know what I could get elsewhere and then make the dealer work to match or beat it.
Samidha Sharma & Boby Kurian, TNN | Jan 31, 2013, 05.27AM ISTMUMBAI: Fast food giant Burger King Holdings has held fresh discussions with Everstone Capital to revive its India entry plans, said people directly briefed on the matter, as global restaurant biggies relook at the domestic market. The world's second-largest burger chain behind McDonald's could firm up its India strategy later this year as it makes a big push into three Asian markets, including China and Indonesia, they added.
Everstone Capital, among the biggest India-focused private equity houses, has held talks with Burger King, but the latter has not taken a final call on its India plans yet. The NYSE-listed burger chain is exploring a franchisee model in sync with its operations globally. "In the course of normal business, we continuously review our worldwide restaurant portfolio and make strategic decisions based on many factors including development opportunities, market conditions and restaurant profitability in various countries, including India. However, we do not have any further information to provide at this time regarding the Indian market," said Burger King spokesperson Miguel Piedra. Everstone Capital declined to comment on speculation.
Burger King had held discussions with DLF and Kishore Biyani's Future Group to enter the market some years ago. Everstone Capital, founded by two Goldman Sachs bankers Sameer Sain and Atul Kapur, controls Blue Foods, which claims to be India's largest restaurant company with brands like Copper Chimney, Noodle Bar, The Coffee Bean & Tea Leaf in its portfolio.
Burger King, now controlled by private equity group 3G Partners, is not alone in renewing interest in India's food and beverage (F&B) potential. Rival burger chain Wendy's, UK's noodle chain Wagamama, another London dim sum eatery Ping Pong, European pizza and pasta bar Vapiano and Jamba Juice are among those courting Indian partners. The entry of Seattle-based coffee chain Starbucks, after years of studying the market, has revived the global interest of other brands.
Burger King, operating more than 22,000 outlets across the world, wants a fairly big entry into the market with the potential partner having to commit up to $100 million, said a second source who did not wish to be named. "There is a huge opportunity for brands like Wendy's and Burger King, considering nobody has dominance of the burger market here. It's still a lucrative market if you find the right partner and localize your business," said Arvind Singhal, chairman of Technopak Advisors, a retail consultancy firm.
MNC brands have taken a strong hold over India's robust eating out economy, riding on the broader middle-class consumption story. "Most successful Indian restaurateurs, barring Anjan Chatterjee of Specialty Restaurants, have banked on foreign tie-ups. This shows that Indian consumers now have the pocket and desire to experience 'new food'," said Siddharth Bafna, partner at Lodha & Co, an active advisor on F&B deals.
Jubilant FoodWorks (Domino's Pizza), Hardcastle Restaurants and Connaught Plaza Restaurants (McDonald's), Devyani International (Pizza Hut, Costa Coffee) and JSM Corp (Hard Rock, California Pizza Kitchen and Trader Vic's) are among the leading domestic restaurant groups that have partnered global brands to build market valuations. Yum Restaurants is possibly the only international chain to tap the Indian market directly, building a strong network of KFC and Pizza Hut outlets, again through sub-franchisees.
A new alternative transistor relies on a semiconductor that can be switched with magnetism instead of electricity. The approach could help make circuitry more malleable and lead to more efficient and reliable gadgets
By Geoff Brumfiel and Nature magazine
MAGNETIC LOCK: In a circuit made of the semiconductor indium antimonide, a magnetic field can lift electrons over positively charged holes, switching the device on?or deflect them into the holes, turning it off.Image: Nature magazine
Software can transform a computer from a word processor to a number cruncher to a video telephone. But the underlying hardware is unchanged. Now, a type of transistor that can be switched with magnetism instead of electricity could make circuitry malleable too, leading to more efficient and reliable gadgets, from smart phones to satellites.
Transistors, the simple switches at the heart of all modern electronics, generally use a tiny voltage to toggle between ?on? and ?off?. The voltage approach is highly reliable and easy to miniaturize, but has its disadvantages. First, keeping the voltage on requires power, which drives up the energy consumption of the microchip. Second, transistors must be hard-wired into the chips and can?t be reconfigured, which means computers need dedicated circuitry for all their functions.
A research group based at the Korea Institute of Science and Technology (KIST) in Seoul, South Korea, has developed a circuit that may get around these problems. The device, described in a paper published on Nature?s website on 30?January, uses magnetism to control the flow of electrons across a minuscule bridge of the semiconducting material indium antimonide (S.?Joo et al. Nature http://dx.doi.org/10.1038/nature11817; 2013). It is ?a new and interesting twist on how to implement a logic gate?, says Gian Salis, a physicist at IBM?s Zurich Research Laboratory in Switzerland.
The bridge has two layers: a lower deck with an excess of positively charged holes and an upper deck filled predominantly with negatively charged electrons. Thanks to the unusual electronic properties of the indium antimonide, the researchers can control the flow of electrons across the bridge using a perpendicular magnetic field. When they set the field in one direction, electrons are steered away from the positive bottom deck and flow freely. When the magnetic field is flipped, the electrons crash into the lower deck and recombine with the holes ? effectively turning the switch off (see ?Magnetic lock?).
The ability of a magnetic logic gate to hold the switch on or off without a voltage ?could lead to great reduction of energy consumption?, says study co-author Jin Dong Song, a physicist at KIST. Even more impressively, the magnetic switches ?can be handled like software?, he says, by simply flipping the field to enable or disable a circuit. Thus a mobile phone could, for example, reprogram a bit of its microcircuitry to process video while its user watched a clip on YouTube, then switch the chip back to signal processing to take a phone call. This could greatly reduce the volume of circuitry needed inside the phone.
Such reconfigurable logic could be invaluable in satellites, adds Mark Johnson of the Naval Research Laboratory in Washington DC, a co-author of the paper. If part of a chip failed in orbit, another sector could simply be reprogramed to take over. ?You?ve healed the circuit and you?ve done it from Earth,? he says.
To really catch on, however, the magnetic logic would have to be integrated with existing silicon-based technologies. That may not be easy. For one thing, indium antimonide, the semiconductor crucial to the circuits, doesn?t lend itself well to manufacturing processes used to make modern electronics, according to Junichi Murota, a researcher working with nanoelectronics at Tohoku University in Japan. But Johnson says that it may eventually be possible to build similar bridges with silicon.
Integrating the miniature magnets needed to control the devices into a normal chip wouldn?t be easy either. Companies should be able to solve these challenges, but only if they decide the devices are worthwhile, says Salis. At the moment, he adds, it is not clear whether the devices will perform well at the sizes needed for a practical chip ? much smaller than the micrometer dimensions of the prototypes.
TIP! Even a novice at home improvements can fix a leaky faucet. When you can deal with the issue quickly, you?ll save on your water bill.
Have you tried and succeeded at home improvement before? Have you had a lot of success with fixing up your home in the past? Try reading these tips to increase your knowledge.
TIP! Build an inventory of common hardware like screws, nails and fasteners. If you do this, you won?t have to search for what you need when you are trying to complete a project, fix something or hang those family photos.
Put in a backer board of cement when installing tile anywhere there is moisture. The cement will block the moisture, preventing it from damaging the drywall. When water interacts with the dry wall, damaging mold and mildew can form on the wall.
TIP! Thinking of home improvement as a money sink is a narrow view. In reality, you?re spending money now to save money later.
Take care to confirm that your contractor has listened to your instructions. It is much easier to voice your concerns or see your vision put into play when you have a contractor whom you consider trustworthy. An inattentive contractor may not complete the job as you intended. So do whatever you need to do so that the contractor actually ?hears? what you are asking for.
TIP! Be sure to include a window or other ventilation mechanism with any improvements to your bathroom. Humidity can cause a lot of damage to a bathroom.
Make sure any contractor you deal with is licensed by your state. You c an find out via your state government site or phone. An unlicensed contractor may have issues that prevent them from having a current license.
TIP! Work on painting the room before you make any other improvements. It is a lot easier to paint before the floor is installed.
A fun home improvement project is to add a bar to a basement space. The task of designing, building and drinking at a bar is a project that everyone will enjoy doing. Whatever way someone chooses to do it, creating a bar can be a great improvement.
TIP! After seven years, it may be in your best interest to upgrade or replace your central heating and air unit. Newer models are all made to higher standards, which means they use far less electricity in order to operate.
Remember that you can never eyeball angles, measurements, or leveling to guess at them when woodworking. Essential tools for good woodworking results are your speed square, level, and tape measure.
TIP! When it comes to home improvement, don?t go it alone! Some projects can be undertaken with help from the entire family?even young children. For example, some simple painting, planting a garden, hanging artwork, etc, are all home improvement projects that you can complete as a family.
Don?t allow contractors to stain your budget by telling you that they?ll have the job done unusually quick. A contractor might have reasons to want to do the job quickly. They probably want to rush the jobs to spend time on other jobs. But this can be harmful to your budget if they try to charge for overtime work.
TIP! If you are needing a new roof, consider using white tile or shingles to replace the old roof. Using dark colored tile can cause an attic to become hot.
Gaining knowledge of home improvement takes time no matter how good you are at handy projects. There is always more to learn, whether it is new tricks or building skills. You are sure to find many great ways to use the above advice.
By Agence France-Presse Tuesday, January 29, 2013 12:34 EST
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Domestic cats in the United States kill up to 3.7 billion birds and as many as 20.7 billion mice, voles and other small mammals each year, biologists estimated on Tuesday.
Puss is probably the biggest human-induced killer of these species, outstripping better-known culprits such as habitat loss, agricultural chemicals or hunting, they said in a study published in the journal Nature Communications.
A team led by Scott Loss at the Smithsonian Conservation Biology Institute in Washington looked at published research into the predation habits of cats.
Cats that have outdoors access kill between 30 and 47 birds apiece in temperate parts of Europe and North America each year, and between 177 and 299 mammals, according to past investigations.
The next step was to get an estimate of the number of cats in the United States.
Loss?s team calculated there were around 84 million cats with owners, of which a couple of million are unlikely to have outdoor access or go hunting.
Added to that are between 30 and 80 million ?unowned? cats ? animals that are wild or free-ranging but without an owner and survive on goodwill.
?We estimate that free-ranging domestic cats kill 1.4 to 3.7 billion birds and 6.9 to 20.7 billion mammals annually,? says the study.
?Unowned cats, as opposed to owned pets, cause the majority of this mortality.?
The paper says the estimates are much bigger than previously thought, and show that cats ?are likely the single greatest source of anthropogenic [man-made] mortality for US birds and mammals.?
It adds: ?Scientifically sound conservation and policy intervention [are] needed to reduce this impact.?
The study tried to get a fix on the numbers of reptiles and amphibians that are killed by cats, but drew a blank.
According to the famous ?Red List? compiled by the/ International Union for Conservation of Nature (IUCN), cats on islands have caused or contributed to the extinctions of 33 species of birds, mammals and reptiles.
The study coincides with a fierce debate in New Zealand, where Gareth Morgan, a businessman turned philanthropist, has called for cats there to be eradicated to save the country?s unique species of wildlife, which includes the flightless kiwi.
British 'stiff upper lip' may prevent early presentation for cancer symptomsPublic release date: 29-Jan-2013 [ | E-mail | Share ]
Contact: Seil Collins seil.collins@kcl.ac.uk 44-207-848-5377 King's College London
Embarrassment and not wanting to waste their doctors' time are more frequently reported by British people than in other countries, according to new research led jointly by King's College London and UCL (University College London). This may be holding British people back from presenting early with symptoms of cancer.
The international study, published today in the British Journal of Cancer, is the largest of its kind, and suggests that cultural factors such as the British 'stiff upper lip' may help explain some of the differences in cancer survival rates between the UK and other high-income countries.
The study is part of the International Cancer Benchmarking Partnership (ICBP), a unique global collaboration, which has previously found that for lung, breast, bowel and ovary cancers diagnosed in between 1995 and 2007, Australia, Canada, Sweden and Norway had the highest rates of survival, and Denmark and UK the lowest, despite all the countries having similarly good cancer registration systems and good access to health care. For example, one year survival of those diagnosed with lung cancer between 2005 and 2007 for the UK was 30% compared to 44% in Sweden. The researchers therefore wanted to find out whether survival rates for a country might be influenced by the population's cancer awareness and beliefs.
In partnership with Cancer Research UK and Ipsos MORI, the team surveyed 19,079 men and women aged 50 and older in Australia (4,002 individuals), Canada (2,064), Denmark (2,000), Norway (2,009), Sweden (2,039) and the UK (6,965).
The researchers found there was little difference in awareness of cancer symptoms and beliefs about cancer outcomes between the countries. However, the study revealed significant differences in people's barriers to symptomatic presentation. Being worried about wasting the doctor's time was particularly common in the UK (34%) and least common in Sweden (9%). Embarrassment about going to the doctor with a symptom that might be serious was most commonly reported in the UK (15%) and least in Denmark (6%). The study also found that awareness of the risk of cancer being higher in older people varied significantly across countries, being lowest in Canada (13%) and the UK (14%) and highest in Sweden (38%).
Dr Lindsay Forbes from King's College London and joint lead author of the study says: "The UK stood out in this study. A high proportion of people said that not wanting to waste the doctor's time and embarrassment might stop them going to the doctor with a symptom that might be serious. The traditional British 'stiff upper lip' could be preventing people from seeing their doctor. We need to support people to make the right decisions about their health and increase awareness of the age-related risk."
Professor Jane Wardle, from UCL adds: "In the UK, it's important to understand more about how people make the decision to go to their GP with possible cancer symptoms, and how they interact with their GP, to identify the best ways to reduce barriers to early presentation."
Sara Hiom, Director of Patient Engagement and Early Diagnosis at Cancer Research UK says: "It's encouraging to see that people in the UK know as much about cancer symptoms as people in Australia, Canada or Scandinavia, and that overall, people surveyed had generally positive beliefs about cancer outcomes. But the research highlights that people in the UK are more worried and embarrassed about seeing their doctor with a symptom that might be serious compared to those in other countries. Cancer Research UK and others are working hard to understand and address these potential barriers to early presentation and encourage people to tell their doctor if they have noticed something different about their body. More work also needs to be done to tackle the poor awareness that cancer risk increases with age."
###
Notes to editors:
For a copy of the paper or interview with the author, please contact Seil Collins, Press Officer, King's College London, Institute of Psychiatry
Email: seil.collins@kcl.ac.uk
Tel: (+44) 0207 848 5377 or mob: (+44) 07718 697 176
Paper reference: Forbes, L. et al. 'Differences in cancer awareness and beliefs between Australia, Canada, Denmark, Norway, Sweden and the UK (the International Cancer Benchmarking Partnership): do they contribute to differences in cancer survival?' British Journal of Cancer
Technical note: Ipsos MORI conducted 19,079 computer assisted telephone interviews between May 2011 and September 2011 among people aged 50+ in Australia (two states: New South Wales and Victoria), Canada (four provinces: Alberta, British Columbia, Manitoba, Ontario), Denmark, Sweden (two areas Uppsala-Orebro, Stockholm-Gotland), Norway and the UK (England, Wales, Northern Ireland). This age group was selected because population-level cancer survival largely reflects survival in the over 50s, in whom cancer is the commonest. Cancer awareness and beliefs were measured using the newly developed 'Awareness and beliefs about cancer measure'. Results were weighted to the known demographic profiles within each country.
Funding: The study was funded by the UK's Department of Health, with additional funding from the National Cancer Action Team (UK), Northern Ireland Public Health Agency (UK), Tenovus and Welsh Government (UK), Cancer Council Victoria (Australia), Department of Health Victoria (Australia), Cancer Institute New South Wales (Australia), Canadian Partnership against Cancer, Danish Cancer Society, Novo Nordic Foundation (Denmark), Norwegian Directorate for Health and Social Affairs, Swedish Social Ministry and the Association of Local Authorities and Regions (Sweden).
Programme management was provided by Cancer Research UK.
About the International Cancer Benchmarking Partnership (ICBP):
The International Cancer Benchmarking Partnership (ICBP) is a unique and innovative global partnership of clinicians, academics and policymakers. The ICBP is funded by the UK Department of Health and Cancer Research UK. http://www.cancerresearchuk.org/cancer-info/spotcancerearly/ICBP/
About the British Journal of Cancer (BJC):
The BJC is owned by Cancer Research UK. Its mission is to encourage communication of the very best cancer research from laboratories and clinics in all countries. Broad coverage, its editorial independence and consistent high standards have made BJC one of the world's premier general cancer journals. www.bjcancer.com
About King's College London:
King's College London is one of the top 30 universities in the world (2012/13 QS international world rankings), and was The Sunday Times 'University of the Year 2010/11', and the fourth oldest in England. A research-led university based in the heart of London, King's has more than 24,000 students (of whom more than 10,000 are graduate students) from nearly 140 countries, and more than 6,100 employees. King's is in the second phase of a 1 billion redevelopment programme which is transforming its estate.
King's has an outstanding reputation for providing world-class teaching and cutting-edge research. In the 2008 Research Assessment Exercise for British universities, 23 departments were ranked in the top quartile of British universities; over half of our academic staff work in departments that are in the top 10 per cent in the UK in their field and can thus be classed as world leading. The College is in the top seven UK universities for research earnings and has an overall annual income of nearly 525 million (year ending 31 July 2011).
King's has a particularly distinguished reputation in the humanities, law, the sciences (including a wide range of health areas such as psychiatry, medicine, nursing and dentistry) and social sciences including international affairs. It has played a major role in many of the advances that have shaped modern life, such as the discovery of the structure of DNA and research that led to the development of radio, television, mobile phones and radar.
King's College London and Guy's and St Thomas', King's College Hospital and South London and Maudsley NHS Foundation Trusts are part of King's Health Partners. King's Health Partners Academic Health Sciences Centre (AHSC) is a pioneering global collaboration between one of the world's leading research-led universities and three of London's most successful NHS Foundation Trusts, including leading teaching hospitals and comprehensive mental health services. For more information, visit: www.kingshealthpartners.org.
The College is in the midst of a five-year, 500 million fundraising campaign World questions|King's answers created to address some of the most pressing challenges facing humanity as quickly as feasible. The campaign's five priority areas are neuroscience and mental health, leadership and society, cancer, global power and children's health. More information about the campaign is available at www.kcl.ac.uk/kingsanswers.
About UCL (University College London):
Founded in 1826, UCL was the first English university established after Oxford and Cambridge, the first to admit students regardless of race, class, religion or gender and the first to provide systematic teaching of law, architecture and medicine.
We are among the world's top universities, as reflected by our performance in a range of international rankings and tables. According to the Thomson Scientific Citation Index, UCL is the second most highly cited European university and the 15th most highly cited in the world.
UCL has nearly 25,000 students from 150 countries and more than 9,000 employees, of whom one third are from outside the UK. The university is based in Bloomsbury in the heart of London, but also has two international campuses UCL Australia and UCL Qatar. Our annual income is more than 800 million.
www.ucl.ac.uk | Follow us on Twitter @uclnews | Watch our YouTube channel YouTube.com/UCLTV
About Cancer Research UK:
Cancer Research UK is the world's leading cancer charity dedicated to saving lives through research
The charity's pioneering work into the prevention, diagnosis and treatment of cancer has helped save millions of lives.
Cancer Research UK receives no government funding for its life-saving research. Every step it makes towards beating cancer relies on every pound donated.
Cancer Research UK has been at the heart of the progress that has already seen survival rates in the UK double in the last forty years.
Cancer Research UK supports research into all aspects of cancer through the work of over 4,000 scientists, doctors and nurses.
Together with its partners and supporters, Cancer Research UK's vision is to bring forward the day when all cancers are cured.
For further information about Cancer Research UK's work or to find out how to support the charity, please call 0300 123 1861 or visit www.cancerresearchuk.org. Follow us on Twitter and Facebook
[ | E-mail | Share ]
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AAAS and EurekAlert! are not responsible for the accuracy of news releases posted to EurekAlert! by contributing institutions or for the use of any information through the EurekAlert! system.
British 'stiff upper lip' may prevent early presentation for cancer symptomsPublic release date: 29-Jan-2013 [ | E-mail | Share ]
Contact: Seil Collins seil.collins@kcl.ac.uk 44-207-848-5377 King's College London
Embarrassment and not wanting to waste their doctors' time are more frequently reported by British people than in other countries, according to new research led jointly by King's College London and UCL (University College London). This may be holding British people back from presenting early with symptoms of cancer.
The international study, published today in the British Journal of Cancer, is the largest of its kind, and suggests that cultural factors such as the British 'stiff upper lip' may help explain some of the differences in cancer survival rates between the UK and other high-income countries.
The study is part of the International Cancer Benchmarking Partnership (ICBP), a unique global collaboration, which has previously found that for lung, breast, bowel and ovary cancers diagnosed in between 1995 and 2007, Australia, Canada, Sweden and Norway had the highest rates of survival, and Denmark and UK the lowest, despite all the countries having similarly good cancer registration systems and good access to health care. For example, one year survival of those diagnosed with lung cancer between 2005 and 2007 for the UK was 30% compared to 44% in Sweden. The researchers therefore wanted to find out whether survival rates for a country might be influenced by the population's cancer awareness and beliefs.
In partnership with Cancer Research UK and Ipsos MORI, the team surveyed 19,079 men and women aged 50 and older in Australia (4,002 individuals), Canada (2,064), Denmark (2,000), Norway (2,009), Sweden (2,039) and the UK (6,965).
The researchers found there was little difference in awareness of cancer symptoms and beliefs about cancer outcomes between the countries. However, the study revealed significant differences in people's barriers to symptomatic presentation. Being worried about wasting the doctor's time was particularly common in the UK (34%) and least common in Sweden (9%). Embarrassment about going to the doctor with a symptom that might be serious was most commonly reported in the UK (15%) and least in Denmark (6%). The study also found that awareness of the risk of cancer being higher in older people varied significantly across countries, being lowest in Canada (13%) and the UK (14%) and highest in Sweden (38%).
Dr Lindsay Forbes from King's College London and joint lead author of the study says: "The UK stood out in this study. A high proportion of people said that not wanting to waste the doctor's time and embarrassment might stop them going to the doctor with a symptom that might be serious. The traditional British 'stiff upper lip' could be preventing people from seeing their doctor. We need to support people to make the right decisions about their health and increase awareness of the age-related risk."
Professor Jane Wardle, from UCL adds: "In the UK, it's important to understand more about how people make the decision to go to their GP with possible cancer symptoms, and how they interact with their GP, to identify the best ways to reduce barriers to early presentation."
Sara Hiom, Director of Patient Engagement and Early Diagnosis at Cancer Research UK says: "It's encouraging to see that people in the UK know as much about cancer symptoms as people in Australia, Canada or Scandinavia, and that overall, people surveyed had generally positive beliefs about cancer outcomes. But the research highlights that people in the UK are more worried and embarrassed about seeing their doctor with a symptom that might be serious compared to those in other countries. Cancer Research UK and others are working hard to understand and address these potential barriers to early presentation and encourage people to tell their doctor if they have noticed something different about their body. More work also needs to be done to tackle the poor awareness that cancer risk increases with age."
###
Notes to editors:
For a copy of the paper or interview with the author, please contact Seil Collins, Press Officer, King's College London, Institute of Psychiatry
Email: seil.collins@kcl.ac.uk
Tel: (+44) 0207 848 5377 or mob: (+44) 07718 697 176
Paper reference: Forbes, L. et al. 'Differences in cancer awareness and beliefs between Australia, Canada, Denmark, Norway, Sweden and the UK (the International Cancer Benchmarking Partnership): do they contribute to differences in cancer survival?' British Journal of Cancer
Technical note: Ipsos MORI conducted 19,079 computer assisted telephone interviews between May 2011 and September 2011 among people aged 50+ in Australia (two states: New South Wales and Victoria), Canada (four provinces: Alberta, British Columbia, Manitoba, Ontario), Denmark, Sweden (two areas Uppsala-Orebro, Stockholm-Gotland), Norway and the UK (England, Wales, Northern Ireland). This age group was selected because population-level cancer survival largely reflects survival in the over 50s, in whom cancer is the commonest. Cancer awareness and beliefs were measured using the newly developed 'Awareness and beliefs about cancer measure'. Results were weighted to the known demographic profiles within each country.
Funding: The study was funded by the UK's Department of Health, with additional funding from the National Cancer Action Team (UK), Northern Ireland Public Health Agency (UK), Tenovus and Welsh Government (UK), Cancer Council Victoria (Australia), Department of Health Victoria (Australia), Cancer Institute New South Wales (Australia), Canadian Partnership against Cancer, Danish Cancer Society, Novo Nordic Foundation (Denmark), Norwegian Directorate for Health and Social Affairs, Swedish Social Ministry and the Association of Local Authorities and Regions (Sweden).
Programme management was provided by Cancer Research UK.
About the International Cancer Benchmarking Partnership (ICBP):
The International Cancer Benchmarking Partnership (ICBP) is a unique and innovative global partnership of clinicians, academics and policymakers. The ICBP is funded by the UK Department of Health and Cancer Research UK. http://www.cancerresearchuk.org/cancer-info/spotcancerearly/ICBP/
About the British Journal of Cancer (BJC):
The BJC is owned by Cancer Research UK. Its mission is to encourage communication of the very best cancer research from laboratories and clinics in all countries. Broad coverage, its editorial independence and consistent high standards have made BJC one of the world's premier general cancer journals. www.bjcancer.com
About King's College London:
King's College London is one of the top 30 universities in the world (2012/13 QS international world rankings), and was The Sunday Times 'University of the Year 2010/11', and the fourth oldest in England. A research-led university based in the heart of London, King's has more than 24,000 students (of whom more than 10,000 are graduate students) from nearly 140 countries, and more than 6,100 employees. King's is in the second phase of a 1 billion redevelopment programme which is transforming its estate.
King's has an outstanding reputation for providing world-class teaching and cutting-edge research. In the 2008 Research Assessment Exercise for British universities, 23 departments were ranked in the top quartile of British universities; over half of our academic staff work in departments that are in the top 10 per cent in the UK in their field and can thus be classed as world leading. The College is in the top seven UK universities for research earnings and has an overall annual income of nearly 525 million (year ending 31 July 2011).
King's has a particularly distinguished reputation in the humanities, law, the sciences (including a wide range of health areas such as psychiatry, medicine, nursing and dentistry) and social sciences including international affairs. It has played a major role in many of the advances that have shaped modern life, such as the discovery of the structure of DNA and research that led to the development of radio, television, mobile phones and radar.
King's College London and Guy's and St Thomas', King's College Hospital and South London and Maudsley NHS Foundation Trusts are part of King's Health Partners. King's Health Partners Academic Health Sciences Centre (AHSC) is a pioneering global collaboration between one of the world's leading research-led universities and three of London's most successful NHS Foundation Trusts, including leading teaching hospitals and comprehensive mental health services. For more information, visit: www.kingshealthpartners.org.
The College is in the midst of a five-year, 500 million fundraising campaign World questions|King's answers created to address some of the most pressing challenges facing humanity as quickly as feasible. The campaign's five priority areas are neuroscience and mental health, leadership and society, cancer, global power and children's health. More information about the campaign is available at www.kcl.ac.uk/kingsanswers.
About UCL (University College London):
Founded in 1826, UCL was the first English university established after Oxford and Cambridge, the first to admit students regardless of race, class, religion or gender and the first to provide systematic teaching of law, architecture and medicine.
We are among the world's top universities, as reflected by our performance in a range of international rankings and tables. According to the Thomson Scientific Citation Index, UCL is the second most highly cited European university and the 15th most highly cited in the world.
UCL has nearly 25,000 students from 150 countries and more than 9,000 employees, of whom one third are from outside the UK. The university is based in Bloomsbury in the heart of London, but also has two international campuses UCL Australia and UCL Qatar. Our annual income is more than 800 million.
www.ucl.ac.uk | Follow us on Twitter @uclnews | Watch our YouTube channel YouTube.com/UCLTV
About Cancer Research UK:
Cancer Research UK is the world's leading cancer charity dedicated to saving lives through research
The charity's pioneering work into the prevention, diagnosis and treatment of cancer has helped save millions of lives.
Cancer Research UK receives no government funding for its life-saving research. Every step it makes towards beating cancer relies on every pound donated.
Cancer Research UK has been at the heart of the progress that has already seen survival rates in the UK double in the last forty years.
Cancer Research UK supports research into all aspects of cancer through the work of over 4,000 scientists, doctors and nurses.
Together with its partners and supporters, Cancer Research UK's vision is to bring forward the day when all cancers are cured.
For further information about Cancer Research UK's work or to find out how to support the charity, please call 0300 123 1861 or visit www.cancerresearchuk.org. Follow us on Twitter and Facebook
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Public release date: 29-Jan-2013
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