Investment And Financial Planning

On a general man to man basis Financial Planning is of more importance when compared to investment planning. If a man fails to save money, then where is he going to make the investment from? It is here that the need to emphasize on a strong financial plan comes to play. Financial planning is on a larger scale compared to Investment planning. Where investment planning is individual oriented, financial planning takes into account the needs of the individual and family. Financial planning is the process of assessing the financial goals of an individual at different junctures of his life. It takes into account all assets and investments that he already has and what others he may require to achieve his financial goals in the near future. The prime objective here is to ensure that the required amount of money is there with him at the time of an investment, thereby enabling him to meet his personal goals. This is how financial planning and investment planning relate to each other. Coming to the investment part, security along with profit is a big question?
Any investment depicts a clear picture of your current financial situation. Bifurcate your investments amongst various assets to reduce the risk factor. Asset Allocation is the best way to ensure that a particular investment made is a success. Monitoring your investment to maintain the allocation with your financial goals makes the investment tax efficient.

Following are certain points as to how one can better their investment and financial planning:

Investment Planning:

1) Create a Budget for Monthly Expenses: This enables you to get a clear picture as to where your expenses lie and how much unnecessary expenditure you could curtail to save a decent percentage of your income.

2) Paying of Debts: Once you clear of your debts, a certain amount of your expenditure is saved. This can be used for investment purposes.

3) Emergency Savings: Emergencies do arrive unannounced. One has to ensure that a certain amount is kept aside to meet these situations. These funds should be invested or kept aside to meet these situations. These funds should be invested or kept aside in investments that can be accessed anytime you need cash.

4) Investing in Long term Assets: Investing in long term Assets is a good decision. Purchasing a house is considered to be a good investment as payments towards interest and real estate taxes are tax deductible. Secondly the value of property increases with time. Other then this investing wisely in Mutual Funds, stocks and insurance will provide you with a good return on your investment.

Financial Planning:

1)Using a monthly spending plan or budget to keep finances on track
2)Making decisions about the job and its benefits
3)Getting the most out of other financial resources, including insurance and employer provided benefits.
4)Saving and investing money
5)Controlling expenses and staying out of debt.
6)Planning for estate transfer.

Generally people enlist the services of a financial planner prior to making any major investments. A financial planner is a professional who helps people deal with various personal financial issues through proper planning, which includes cash flow management, education planning, retirement planning, investment planning, risk management and insurance planning, tax planning, estate planning and business succession planning. While dealing with Mutual Fund Investments they are called �Fund

Breast Cancer – Causes, Symptoms And Treatment

Breast cancer is a malignant (cancerous) growth that begins in the tissues of the breast. Over the course of a lifetime, one in eight women will be diagnosed with breast cancer. Breast cancer is a cancer of the breast tissue, which can occur in both women and men. Breast cancer may be one of the oldest known forms of cancer tumors in humans.Worldwide, breast cancer is the fifth most common cause of cancer death (after lung cancer, stomach cancer, liver cancer, and colon cancer). Breast cancer kills more women in the United States than any cancer except lung cancer. Today, breast cancer, like other forms of cancer, is considered to be a result of damage to DNA. How this mechanism may occur comes from several known or hypothesized factors (such as exposure to ionizing radiation, or viral mutagenesis). Some factors lead to an increased rate of mutation (exposure to estrogens) and decreased repair (the BRCA1, BRCA2 and p53) genes. Alcohol generally appears to increase the risk of breast cancer.

Breast cancer can also occur in men, although it rarely does. Experts predict 178,000 women and 2,000 men will develop breast cancer in the United States. There are several different types of breast cancer. First is Ductal carcinoma begins in the cells lining the ducts that bring milk to the nipple and accounts for more than 75% of breast cancers. Second is Lobular carcinoma begins in the milk-secreting glands of the breast but is otherwise fairly similar in its behavior to ductal carcinoma. Other varieties of breast cancer can arise from the skin, fat, connective tissues, and other cells present in the breast. Some women have what is known as HER2-positive breast cancer. HER2, short for human epidermal growth factor receptor-2, is a gene that helps control cell growth, division, and repair. When cells have too many copies of this gene, cell growth speeds up.

Causes of Breast Cancer

Simply being a woman is the main risk for breast cancer. While men can also get the disease, it is about 100 times more common in women than in men. The chance of getting breast cancer goes up as a woman gets older. Nearly 8 out of 10 breast cancers are found in women age 50 or older. About 5% to 10% of breast cancers are linked to changes (mutations) in certain genes. The most common gene changes are those of the BRCA1 and BRCA2 genes. Breast cancer risk is higher among women whose close blood relatives have this disease. The relatives can be from either the mother’s or father’s side of the family. Woman with cancer in one breast has a greater chance of getting a new cancer in the other breast or in another part of the same breast. This is different from the first cancer coming back Many experts now believe that the main reason for this is because they have faster growing tumors. Asian, Hispanic, and American Indian women have a lower risk of getting breast cancer. Certain types of abnormal biopsy results can be linked to a slightly higher risk of breast cancer.Women who have had radiation treatment to the chest area (as treatment for another cancer) earlier in life have a greatly increased risk of breast cancer

Some pregnant women were given the drug DES (diethylstilbestrol) because it was thought to lower their chances of losing the baby. Recent studies have shown that these women (and their daughters who were exposed to DES while in the uterus), have a slightly increased risk of getting breast cancer. Use of alcohol is clearly linked to a slightly increased risk of getting breast cancer. Women who have 1 drink a day have a very small increased risk. Those who have 2 to 5 drinks daily have about 1 times the risk of women who drink no alcohol. The American Cancer Society suggests limiting the amount you drink.Being overweight is linked to a higher risk of breast cancer, especially for women after change of life and if the weight gain took place during adulthood. Also, the risk seems to be higher if the extra fat is in the waist area. Breast-feeding and pregnancy: Some studies have shown that breast-feeding slightly lowers breast cancer risk, especially if the breast-feeding lasts 1 to 2 years. This could be because breast-feeding lowers a woman’s total number of menstrual periods, as does pregnancy. Women who began having periods early (before 12 years of age) or who went through the change of life (menopause) after the age of 55 have a slightly increased risk of breast cancer.

Symptoms of Breast Cancer

1.Lumps.

2.Rash.

3.Breast Pain.

4.Cysts.

5.Nipple Discharge.

6.Inverted Nipple.

Treatment of Breast Cancer

1.Hormonal therapy (with tamoxifen).

2.Chemotherapy.

3.Radiotherapy.

4.Surgery.

Gambling Industry Expanding And Players Who Use Gambling Strategies

What does the word Gamble” mean to you?

For the average player the word gambling” means much more than a risky bet. It can stand for just about anything from vacationing, Las Vegas, and even fun. Devised earlier than 3000 years ago, gambling was well documented to have existed in many civilizations. The games we know today are the incarnations of former ones, with adjusted rules. For the length of time gambling was invented, players have always seemed obsessed with trying to use various gambling strategies for games. However, Casinos have always had the mathematical advantage along with an adamant need for stopping the smart player. It has forever become a vicious cycle of exploitive players vs. casinos catching up.

Today, gambling doesn’t even need to be played at Las Vegas or any other casino chains.

Now for those of you who live under rocks or live in a time warp may say, Wait….outside of Casinos?”

Well you see…

1.In-flight Gambling: Eflyte has been developing in-flight gaming and continues to spread its influence on many airlines. Currently they have the world’s first Multiplayer Poker Tournament along with over 60 games for airplanes. Ceo of Ryanair will also attempt use in-flight gaming by next year. Now casino gambling may be common on cruises, but it’s a breakthrough for airlines.

2.Mobile phones can also be used to buy lotteries and sports betting nowadays. If certain restrictions are lifted, it could even mean much more growth in its use.

3.Internet Casinos are also another medium in which gambling doesn’t seem to stop growing; despite being forced to open offshore from the US. This isn’t necessarily bad of course.

The gambling industry is on a growing trend and it doesn’t seem to stop anywhere in sight. Of course, this naturally means that more and more people will be hooked and continue losing to the casinos.

Even the strategic players are screwed over at times with certain technologies being developed. Some casinos even started to implement tracking devices in chips to catch card counters. Those days of Ken Uston and counting machines are getting harder to come by since casinos already know about the gambling strategies used. New mediums such as electronic gambling can stop card counting dead in it’s track.

Winning through strategy can still be done, just as internet marketing can still make some rich. Yet being particular savvy to news and gambling strategy alike can immensely help the professional gambler. That is, unless gambling is only treated as a simple recreation. Otherwise, the best a player can do is to read up on forums and reference news sources for any changes in their gambling strategy.

Five Key Principles To Real Estate Investment Riches

Real Estate Investing is the craze today with people involved in the Carlton Sheets program spending money on courses to find out how they can make money in no money down real estate investing. This article hopes to help you create some sort of mental picture of five key principles that can help you make more money with real estate today.

Principle #1- The money is made in the purchase
Real estate investing is like value investing in stocks and you want to purchase the real estate during a period of a real estate slump. The reason for this is so that you can get a huge capital appreciation when the real estate market heats up again.

Spending time doing real estate valuation is critical since if you cannot satisfy yourself on the maths that is a viable proposition, there is no way that your real estate investment would be a good one.

Principle #2- Monitor Cash flow
Real Estate investment typically have a monthly rental income which then is used to pay for mortgage instalments and other problems with the building like a roof leak. You would thus have to keep a close watch on interest rate hikes since they can potentially erode any calculated return on investment quite quickly. Once you have enough cash coming in, it is suggested that you then keep some of it in a rainy day fund in case some of the rental tenants do not renew their property and then take the rest and consider investing in another real estate investment property.

Principle #3- Leverage on other people’s time
Remember that no one can do everything, so the key is to focus on what you do best. If your strength is in negotiating deals, spend time looking for property and then get professionals and contractors to handle all the rest of the deal for you. Similarly, if you are good at decorating property, then find deals and focus on the interior design of the property. By focusing on what you do best and getting other people to do the rest of the work, you are leveraging on their time and you can then make more money from each new real estate investment that you undertake. Spend your time to build your team of advisors and employees who work for you and you will see your profits start going up. Remember that by rewarding them financially, you will get a group of dedicated people helping you make more money from your real estate investment.

Principle #4- Learn how to use leverage with a good rainy day cash balance
Did you know that many real estate investors started off with very little money to invest? Even large real estate developers like Donald Trump have learnt the power of leverage when investing in property deals. You want to leverage as much as you can so that you can control property worth many times more than what you own. Remember however to keep a rainy day fund containing a portion of the rental payments so that you can hedge yourself against a possible period where unit occupancy of your real estate investment is low. Leverage when used well can make you lots of money but if managed badly, will bankrupt you. Thus planning your cash flow and learning how to use debt is critical before you start serious real estate investment.

Principle #5- Spend time networking with real estate professionals
Do you want the latest real estate investment deals? The best way to learn of them is to break into the local real estate professional group and make friends with them. Learn some real estate investment lingo and spend time making friends with them because they are your eyes and ears on the ground and they can tell you about recent developments and changes in rental, property and infrastructure of their geographical location. Having the first player advantage is what many large real estate investors have and by spending time to network with real estate brokers, you will substantially close the gap.

In conclusion, spend time looking at these five principles and determine how they can be applied to your real estate investment and you might start seeing an increase in your real estate income.

Do Video Games Breed Violent People?

You hear it on the news, you read about it in magazines and papers, and it’s the accepted word on the street – our society is becoming increasingly violent, and this is largely due to video games. People often point at the selection of wear related, or violence related video games and in one fell swoop, tarnish all video games as causing nothing but a decrease in the moral standard of our society, and with the same sweep, tarnish all young people who play these games as either actual or potential thugs, who will do little more than hang around on street corners mugging people, or causing other distressful crimes.

Although at first glance it would appear that statistics offered by these people appear to bear testimony to what they say, on closer examination it becomes very quickly apparent that the truth is much farther from this portrayal of it.

It is a fact that the accident and emergency wards of hospitals see a good number of young people who have been admitted as a result of violent crime. In fact, the actual number of such cases has fallen quite dramatically in recent years, although no such decrease has been seen in the number of video games being played, or in their popularity. It is also a fact that the vast majority of these young people who have been involved in violent crime are regular players of video games.

But this statistic is woefully misleading. Since ninety percent of young boys play video games, it is always going to be the case that any random selection of boys will result in the vast majority of them being regular players of video games. It would make as much sense to identify all the young boys who volunteer for charity work occasionally, or take part in fundraising, and then identify how many of them play video games regularly. Since ninety percent of all boys play video games regularly, then these fundraising charity volunteers are going to mostly be gamers – but this is not to suggest that playing video games make you more charitable, in just the same way that playing video games doesn’t make you a violent thug.

Forty percent of girls play video games, which is to say nearly half, so again, if nearly half of all girls admitted into hospital after being involved in a violent crime are branded as being there because of video games, it makes as much sense to suggest that by not playing video games, half the girls have ended up in hospital.

These are the statistics that those who have a deep mistrust of video games like to publicise, but upon closer inspection, these claims are wildly unfounded, based on hopelessly meaningless figures and provided as only half the truth. In fact, there is no evidence to suggest that playing video games makes a person become violent. The home life and upbringing has far more influence on a person’s social and moral attitudes that a computer game.

Getting Over Someone

Basic question here: how can I tell when I’m over someone and ready to be with someone else?

- C.G., Boston, MA

That is a basic question, but not a simple one. I’m not sure I can even answer it.

Sometimes hearing someone else’s experiences put things in perspective. Here is a situation concerning a person I dated, how I personally view it, and how I make it work for me. Maybe this example will help clear things up a little bit for you too.

In my life, I’ve seen a lot of relationships and been envious of very few. I see a lot of phoniness, relationships of convenience, and people together for all the wrong reasons.

But I knew that my relationship with her was something incredibly, incredibly special. I’d never felt anything like that; it was something totally different than all the rest I’d ever been in. It was comparing apples to oranges, as the saying goes.

In every way, I found her to be the most beautiful thing that I’d ever seen. We showed each other our best and our worst and remained together because we believed in each other as individuals and believed in us as a couple.

It’s interesting to think of all the things we are taught and all we are not. People are taught a million things growing up: how to read, how to use a stove without burning their hands, how to fold a towel, how to drive, and so on.

But we’re never taught some of the things that are imperative in relationships; we’re somehow expected to learn them as we go and by trial and error. I, like many others, never learned how to trust someone to give them all of my feelings, so I’d always held something back, which isn’t fair.

I also never learned how to forgive someone that I loved when they hurt me. And I certainly never learned what to do when you find someone who is perfect for you. It sounds like such a great thing, but it can be one of the most overwhelming feelings you ever experience because you want it to work out more than you want anything else in your life.

And sometimes, by the time you start to realize these things, it’s too late to make everything right.

Making her cry was the worst thing I’ve ever done and just thinking about it hurts me more than anything I’ve ever lost, never achieved, failed at, or I could really explain here.

And now she’s gone. We had talked about “forever” but this isn’t the kind of “forever” I thought we meant.

Who we were at the time we made our memories, we’ll always be – that man will always love that woman and that woman will always love him just as much. I still miss so many things about her, namely counting on – and believing in – us.

I still think about her every day and wonder, wonder, and wonder. I made her an enormous part of my life and now that she’s gone, that life as I knew it is too.

The pain is normal. But don’t think that because you feel pain you can’t move on. What happened between the two of you obviously affected you, so the hurting is expected. Truthfully, and unfortunately, it may be felt for a long, long time.

If you think about it, you probably still don’t feel great about the moment you found out you didn’t get that job you really wanted or a pet that died when you were a kid. You may never feel perfectly fine about this situation either.

What I realized, and what you must too, is that you have to move on. They have. They have their own life going, and whether it’s them being alone or them being with someone else – it’s still them being without you.

There is no other option; you can’t stay closed off and emotionally unavailable forever in hopes they will change their mind about you or that it will work out somehow. Knowing when to let go and move forward it is the hard part.

You don’t want to do it when you’re emotionally unavailable, angry at life, or will be anything but the best person you can be to whomever it is you end up with next. I don’t know if you’re there. Maybe you don’t even know if you’re there.

Video Games Can Be Educational For Children

There seems to be a constant battle on how video games are affecting the children that are playing them, but the fact is that video games can teach children too. In fact, video games can help to enhance the reading skills of a child, not to mention help build their coordination and visual skills.

In several video games, your child get to become the main character who travels throughout the game purchasing different items needed to complete the video game successfully, while reading special instructions given throughout the video game. Since the child is simply interested in playing the video game they become unaware that they are actually reading and often times the reading is above their regular grade level. You may often hear your child say they do not like to read, but if you will take the time to watch them play particular video games and tell them you can not see the writing that well, then hopefully they will read it to you and you will become fairly surprised.

Video games can even inspire children to new interests as well. In fact, when a child plays a video game that they do not know much about, then you may see your child bringing books home from the school library that are similar to their new video game. When a child is participating in a video game, then children can see history come alive. Each video game that your child plays must be viewed as having a positive side instead of listening to all the hubba of others, because video games can teach your child different skills.

Some video games are designed to teach the skills necessary for making a living as they give the gamer a variety of different choices. Video games also confront gamers with issues such as moral dilemmas, solving challenging problems, and developing social relationships as well. Children who play video games often have the pick up from a cluttered area than those that do not. In fact, studies are now showing that when learning is added into video game playing children begin being faster at the other activities they participate in.

Some where in the future of time teachers may begin incorporating the playing of video games into the assignments of their students. Several government agencies will use computerized video games to assist in stimulating certain types of situations for their employees. In fact, even the military and NASA train with computerized video games, which is due to the changes in computer technology. By looking more at the positive side of video games parents and teacher could really bring themselves closer to children.

Often times children are playing their video games on-line, which makes playing video games much more of a social activity. Children and adults can learn more from each other if they take the time to learn how to play these video games with each other, which will also open up the lines of communication and understanding. Hopefully, more individuals will see video games in a more positive light instead of in a negative way most of the time.

Love And Sexuality

Love may it be as sexuality that leadeth bodies to acts of carnality
strokes, touches that maketh the spirit take rise though they be merely of the flesh
all for committing the body and our souls to be inspired to take flight
going beyond the frame work of what we know to be our corpulent self

however may we question if love not
haveth strength sufficient to stand on its own axis
fore if adoration exclusively be a phenomenon of mind
caused by a being whose qualities we place above ourselves
then need there be contact of a physical nature
other then what passes the eye

Be it love by necessity sexuality?
Need there be this contact
which perhaps lends loam to our bodies
evading the essence of the sentiments
that of own strength suffice to gallantly declare love?
would not the force created by the sentiments of the mind find themselves
susceptible by the more lethargic crude matter that allow us not to transcend
to luminous beings of grace
Is it be our nature be too base
for higher emotions of the spirit to dwell in us
thus it be via contact which arriveth in the form
of comic acts that serve no further purpose
then delight of the moment.

For if love be truly of a higher tonality then all other known to us
capable of ennoblement of our spirits
then can our corporal secretions purely degrade this
which our minds have conceived
with intent of elevation the basic soft tissue that
composeth our earthly souls?

if ever there be queries that haveth not counters
fore their rhetoric not grant their blessing this be one
for whose acumen be up to decide for others?
Fore constantly be the ways of adoring that shalt seekth
same vocation as yee whose adoration beth thy guide
to rapture of the sanity
yet be it that some might intend to don
it is not the wisdom of the erudite
that be apt to resolution of what love might behold

Understanding Your Current Personal Finance Situation

It is important: understanding your current personal finance situation is something that every person needs to do. By understanding what is going on with your personal finances you will be able to better control them. This can be one of the best ways to avoid money problems and debt.

Getting started is the hardest part. It can seem almost impossible to figure out where to begin when tackling finance issues. The best place to start is to simply look at expenses and income.

As the staples of a good budget, something every person should have, expenses and income are the main financial issues a person needs to understand. To begin you should gather all the relevant information. You may want to get bills, pay stubs and anything else that could help you list out your expenses and income.

The first thing to do is to track your daily expenses. This includes eating out, shopping and gasoline. You want to include these on your expenses list. You may need to gather receipts or actually keep a log for a week to be able to come up with an accurate account of your daily expenses.

Write out a list of expenses and then write out your list of income. At this point you should concern yourself with ensuring everything is listed. If your expenses or income vary then try to get a good average. You should have expenses separated into daily expenses and monthly expenses so you can see where your money is really going. Plus this will help when you go to budget your money.

Now you can begin to look at your debt. You should make out a list of your creditors. Your list should include the creditors contact information, the balance of your debt and the interest rate.

Now you should look at your personal finance accounts. This includes things like checking, savings and stocks. You want to list them all, including their current value or balance.

After going through your expenses, income, debt and personal finance accounts you should have a fairly good idea of where your personal finance matters stand. This should be a great platform for you to build upon to get your personal finances in good order. From this information you should be able to create a budget, get debt under control and best manage your personal finance accounts. You should be able to get the big picture about your personal finance situation and to understand it completely.

Endometriosis – Causes, Symptoms And Treatment

Endometriosis is the growth of cells similar to those that form the inside of the uterus (endometrial cells), but in a location outside of the uterus. Endometrial cells are the same cells that are shed each month during menstruation. Endometriosis is a common health problem in women. In women with this problem, tissue that looks and acts like the lining of the uterus grows outside of the uterus in other areas. These areas can be called growths, tumors, implants, lesions, or nodulesIt facilitates collaboration and information sharing between women with endometriosis. Endometriosis is estimated to affect over one million women (estimates range from 3% to 18% of women) in the United States.

It is one of the leading causes of pelvic pain and reasons for laparoscopic surgery and hysterectomy in this country. While the mean age at diagnosis is around 25-30 years, endometriosis has been reported in girls as young as 11 years of age. Endometriosis is rare in postmenopausal women. Endometrial cells (loosened during menstruation) may “back up” through the fallopian tubes into the pelvis, where they implant and grow in the pelvic or abdominal cavities. This is called retrograde-menstruation. When endometrial tissue is located elsewhere in your body, it continues to act in its normal way: It thickens, breaks down and bleeds each month as your hormone levels rise and fall. Because there’s nowhere for the blood from this displaced tissue to exit your body.

It becomes trapped.Trapped blood may lead to the growth of cysts. Cysts, in turn, may form scar tissue and adhesions abnormal tissue that binds organs together. This process can cause pain in the area of misplaced tissue, often the pelvis, especially during your period. Scars and adhesions related to endometriosis also can cause fertility problems. Pain is one of the most common symptoms of endometriosis. Usually the pain is in the abdomen, lower back, and pelvis. Some women have no pain, even though their disease affects large areas. Other women with endometriosis have severe pain even though they have only a few small growths. Women with endometriosis may also have gastrointestinal problems such as diarrhea, constipation, or bloating, especially during their periods.

Causes of Endometriosis

1.Estrogen harmones

2.Retrograde menstruation.

3.Immune system

4.Allergic reactions.

5.Impact of toxins.

Symptoms of Endometriosis

1.Pain with sex.

2.Infertility.

3.Fatigue.

4.Painful urination during periods.

5.Infertility.

Treatment of Endometriosis

Progesterone counteracts estrogen and inhibits the growth of the endometrium. Such therapy can reduce or eliminate menstruation in a controlled and reversible fashion. Progestins are chemical variants of natural progesterone. Gonadotropin releasing hormone agonists (GnRH agonists) induce a profound hypoestrogenism by decreasing FSH and LH levels. While quite effective, they induce unpleasant menopausal symptoms, and over time may lead to osteoporosis. Laparotomy can be used for more extensive surgery either in attempt to restore normal anatomy, or at least preserve reproductive potential. Danazol (Danocrine) and gestrinone are suppressive steroids with some androgenic activity. Both agents inhibit the growth of endometriosis but their use remains limited as they may cause hirsutism. There has been some research done at Case Western Reserve University on a topical Danocrine, applied locally, which has not produced the hirsutism characteristics. Pseudopregnancy can be created using oral contraceptives containing estrogen and progesterone. Women take the medicine consistently for 6 to 9 months. This type of therapy relieves most of the symptoms, but does not prevent scarring from the disease.

Avoid coffee and alcohol. Conservative surgery removes endometrial growths, scar tissue and adhesions without removing your reproductive organs. In laparoscopic surgery, a slender viewing instrument (laparoscope) is inserted through a small incision near your navel. The laparoscope is equipped with a laser, a cautery an instrument that destroys tissue with heat or small surgical instruments. Melatonin and serotonin are increased by meditation, and the stress hormone cortisol is decreased. Oral contraceptive pills (estrogen and progesterone in combination) are also sometimes used to treat endometriosis. The most common combination used is in the form of the oral contraceptive pill (OCP). Treatment of endometriosis has involved the administration of drugs known as aromatase inhibitors (anastrozole [Arimidex] and letrozole [Femara] are examples). These drugs act by interrupting local estrogen formation within the endometriosis implants themselves. They also inhibit estrogen production in the ovary, brain, and other sources, such as adipose tissue.