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Mesothelioma is a form of cancer which occurs in thin membranes (called the mesothelium) lining the chest, lungs, abdomen and sometimes the heart. Although quite rare, mesothelioma symptoms strike more than 200 people each year in the United States. The majority of mesothelioma cases are directly linked to asbestos exposure. Because of the long latency period of mesothelioma, the average age of patients is between 50 and 70 years. Mesothelioma affects men most due to the high exposure of asbestos in industrial typed jobs. Mesothelioma symptoms include respiratory problems, shortness of breath, continual cough and pneumonia. Other mesothelioma symptoms include weight loss, abdominal problems and swelling. In some mesothelioma patients, the mesothelioma symptoms are quite muted, making it hard for mesothelioma doctors to diagnose. Mesothelioma doctors specialize in the study, research, and treatments of Mesothelioma cancers. Mesothelioma (or the cancer of the mesothelium) is a disease in which cells become abnormal and replicate without control. During Mesothelioma, these cells will invade and damage tissues and organs. Mesothelioma cancer cells can spread throughout the body causing death. Mesothelioma treatments and Mesothelioma clinical trials and tests There are many mesothelioma treatment options available. Treatments include surgery, radiation therapy and chemotherapy and the mesothelioma treatment depends on the patient’s age, general health and stage of the cancer. There has been much mesothelioma research conducted throughout the past two years to find new treatment methods. Click here to read more about mesothelioma treatment techniques. Through mesothelioma research, The National Cancer Institute has sponsored mesothelioma tests and clinical trials that are designed to find new treatment methods. Because of the increase in number of mesothelioma cases in the United States, both governments have increased funding for mesothelioma research. Mesothelioma research and clinical trials have been successful in developing new techniques to fight this cancer and the outlook for more advanced mesothelioma treatments is promising. Surgery is the most common treatment method for malignant mesothelioma. Tissues and linings affected by mesothelioma are removed by the doctor and may include the lung or even diaphragm. A second mesothelioma treatment method is radiation therapy through the use of high energy x-rays that kill the cancer cells. Radiation therapy can be outside or inside the body. A third mesothelioma treatment method is chemotherapy. Through pills or drugs through needles, chemotherapy drugs are used to kill cancer cells. A new mesothelioma treatment method is called intraoperative photodynamic therapy. In this treatment, light and drugs are used to kill cancer cells during surgery for early stages of mesothelioma in the chest. Although there are numerous treatments and drugs for mesothelioma, doctors are losing the battle against this deadly disease. Most mesothelioma treatments involve old techniques combined with different drug cocktails. However, in most cases, these mesothelioma treatments have many side effects including organ damage, nausea, increase in heart failure etc. The rush to find a more effective mesothelioma treatment or even cure is ongoing at numerous clinical labs across the nation. Let's hope that the mesothelioma treatments will one day erradicate mesothelioma cancer and asbestosis. With an abundance of information on the Internet, Mesothelioma Cancer and Asbestos ([http://www.mesothelioma-cancer-and-asbestos.com]) has consolidated the most important issues surrounding Mesothelioma, Mesothelioma doctors and symptoms, Mesothelioma treatment, Mesothelioma research and tests. At [http://www.mesothelioma-cancer-and-asbestos.com], the website contains useful resources on Mesothelioma lawyers and attorneys, as well as causes by asbestos exposure, asbestos removal, asbestos attorneys and lawsuits, and asbestos cancer. Patients stricken by Mesothelioma and their families require support and current information. Mesothelioma Online Resources hopes to educate and give hope to survivors and victims. Mesothelioma is such a harsh disease. Not only does it take years for symptoms to appear, but there are limited treatements and drugs that will prolong the lives of workers stricken with mesothelioma. In many cases, the death rate of mesothelioma is unfortunately very high. However, with increased funding in mesothelioma research through the government and private grants, the outlook for a mesothelioma cure is quite possible. In the meantime, mesothelioma support groups and local discussions provide the ongoing support for mesothelioma patients. Mesothelioma Cancer and Asbestos ([http://www.mesothelioma-cancer-and-asbestos.com])is your source for mesothelioma and asbestos information, treatments, clinical trials, attorneys, support groups and lawyers. About the website: Michael Kenneth is a successful Internet Publisher and has researched and written on many topics for [http://www.mesothelioma-cancer-and-asbestos.com] - your complete source for mesothelioma information, mesothelioma attorneys and lawyers, mesothelioma treatments and research, asbestos exposure and removal, asbestos attorneys and legislation as well as asbestos cancer.

Sell Annuity Payments How The Scam Works: Buying or selling annuities is something that will require not only your financial commitment but insights and wisdom as well. As a consumer, you should be cautious of certain insurance agencies with deceptive practices. They primarily target naive people, seniors and investors by convincing them to purchase unsuitable products. What's the critical information to know? Watch the video below to see three easy steps on how to avoid the annuity scams: Avoid Annuity Scams Video Although a bit different than the Sell My Structured Settlement Scam, this one has the same end result: you losing money. Before you consider investing in annuities, you should be aware of the potential threats of working with these unethical insurance agents. The industry is regulated by numerous federal and state agencies, but unfortunately, these incidents still happen. Seniors and new investors are coaxed into purchasing products that they don’t need or that are not very beneficial to them. You can protect your resources and become better prepared for retirement by learning which contracts are too good to be true and end up costing you money in the long run. Annuity Payment Crooks Targeting Seniors According to Annuity.org, 30% of fraud victims are the elderly, just like in many other cases of fraud against seniors. In this particular case, when they fall for the scam, unfortunately, they fall hard. They wind up losing thousands of dollars. Crooks also tend to go after seniors who are mentally unstable or those that are facing significant health issues. They use fraudulent sales tactics and false investment tools to manipulate the customer into believing they need certain things. Sometimes they are caught, which has led to lawsuits, whereas others are never reported. Some agencies are even targeting seniors who are terminally ill or who are much older. The agent convinces them to buy annuities that will lock away cash for them for over 10 years. During this process, the agent is more than aware that the customer is not going to live that long due to their age or health issues which is exactly why they have taken advantage of them. They set up the annuity contract in a way so that if the customer passes away, then the agent or insurance company will be granted any of the funds left in the account instead of the beneficiaries. So, after the customer is deceased, the agent will collect the remainder. Focusing On Sick Customers Another example of unethical agencies targeting seniors are the ones who are mentally unstable. The agent purposely makes the customer feel as if their current investments won’t last through their retirement or they may convince them into thinking they are not financially secure. Seniors with Alzheimer’s or dementia are already struggling to make decisions, especially financial ones. However, a fraudulent agency will see this as a major sale opportunity. They will trick the unstable senior into trusting them and the senior will, in turn, give the agent too much control and confidence over their finances. Sometimes, authorities can catch agents in the act. If they are caught, then they will be prosecuted for taking advantage of these seniors and coaxing them into purchasing the wrong products. Unfortunately, some scammers continuously manage to get away with committing these crimes. Often, agents will purposely try to make the senior feel intimidated by them. They will take it to such level that the victim is afraid to come forward. In these situations, seniors just choose to live with their financial mistake because they are afraid to try to get it resolved or they don’t know how. Annuity scams target more than just seniors. There are lots of agents who spend time rehearsing certain keywords or phrases that will put pressure on a client. They will convince the customer to sit through very long meetings that are bold and high-pressured in hopes to bring fears out of the client, similar to travel club scams, timeshare selling schemes, or exclusive club join opportunities. Agents take advantage of investors by manipulating them into buying annuities that would not be appropriate for their financial situation. They manage to do this by promoting contract signing bonuses and tell them that it is for one day only. The client is then under pressure, so they tend to fall for the scam. Using Intricate Verbiage Another method they will commonly approach is presenting a contract to the client that is difficult to understand. They may use uncommon words or phrases and purposely try to confuse the client. Since it is not verbiage the client typically understands, they end up trusting the words of the agent. The agent also may withhold any type of withdrawal or maintenance fees. Agents that sell annuities often refer to themselves as financial consultants. Usually, they don’t even have any kind of finance experience or any type of relevant license. They will also rarely havean investment background. They are simply salesman who are good at convincing people like you to fall for their schemes. They have even been known to claim that their employees have qualifications such as a degree when they may have never stepped foot inside of a college. They are notorious for presenting inaccurate information Don’t get it twisted. Agencies who sell annuities and life insurance don’t hesitate to manipulate their clients so that they can get a sale. They will go as far as convincing the client to reinvest in policies in a way that the agent benefits more than the consumer. This is highly unethical. Many states have laws that will prohibit these transactions from taking place, but unfortunately, not all states do. Agents will encourage clients to exchange an annuity from one company for an investment from another company. This process is known as twisting. Agents will lead the customer to believe that the new policy is much more beneficial, but the second investment is worth much less. Once an agent pushes you to do this, then they are walking away with a larger commission, and your finances are the least of their worries. They are only in it for themselves. Beware Of Churning Agents Insurance agents often convince annuity owners to trade one annuity policy for another, only this time with the same company. This process is referred to as churning. Clients will more than likely end up losing value on the policy that they previously owned or they may even owe additional premiums at this point. But the agent doesn’t care because they just collected a commission from your financial errors. Although, there are often times that switching to a new policy can be beneficial for the client, and not just the agent. However, an ethical agent will take the responsibility to ensure the replacement is in the best interest of the customer, not theirs. Secondary Annuity Market Trap Some annuities are structured in a way that will allow the owner to cash out their investments. Fraudulent agencies will take advantage of the client by a practice referred to as secondary annuity market. The scam here comes into play when sales associates fail to disclose certain fees. Often times, their words don’t match what is on paper. When a secondary market transaction takes place, the funding company is required to incur all charges. Not one single charge should be passed on to the seller. If you are told that you will receive $75,000 for your cash-out on your annuity, then that is exactly how the check should read. Leveraging Court Dates Court cases in California are currently backlogged so it takes longer for a court docket to occur right now than it would in other states. Some unethical agencies are using this to their advantage because they know that even if they got caught, then they would not be taken to court right away. Sellers often get a quote from a reputable company and learn that their proposal won’t make it to court for 60 days. Since many people want their money faster, people who hear this two-month news often reach out to another company and tell them the issue. And that second company, to win a customer, will promise a 30-day court date even though they know it will never happen. They will try to get the annuitant to sign a contract for the transfer in the hopes the seller will not discover the fact that the court date is, in fact, 60 days away. Regulating The Annuity Industry The annuity industry has always been regulated at a state level. Insurance companies, agents and brokers are required to obtain a license from the state they reside in before selling a product. Certain tax laws are set in place by the Internal Revenue Service that also help regulate the ownership and sale of each annuity. Not many agencies are involved when it comes to protecting the primary and secondary annuity markets. The Securities and Exchange Commission (SEC) and the Financial Industry Regulatory Authority (FINRA) are in charge of the variable annuity market, as agents must hold a securities license to sell these. The North American Securities Administrators Association (NASAA) assists in regulating the state securities. Another form of protection for the annuity industry is through certain rating agencies for the companies that issue and purchase annuities. AM Best, Moody’s, Standard & Poor and Fitch are all companies that can review businesses before you decide to move forward with a sale. Because these investments are not 100% guaranteed by the Federal Deposit Insurance Corporation (FDIC), investors want to ensure that the company they work with has a strong history, are reputable, and have the appropriate resources to be responsible with funds. How To Avoid The Sell Annuity Payments Scam: It is your responsibility to evaluate a contract before you make a commitment. Annuities come with a 30 day cancellation period. During this time, they can be cancelled without any penalty. Take advantage of this time frame to ask any questions you may have about the policy. Don’t wait until it is too late. The following tips can help you find the right annuity without putting yourself or your assets at any risk: 1. Review all maintenance fees and look for any annual costs or hidden fees. You want to choose an annuity that has the lowest annual fees. 2. Don’t sign up just so you can get a premium bonus. It may look like a better deal initially, but generally, there are charges stretched out for the duration of the policy that ends up being much more. 3. Find someone that you trust who can review the contract with you such as an attorney, a friend or a relative. It also may be a good idea to have them present before you sign any papers. 4. Avoid annuities that have schedules lasting for more than 7 years. 5. Do not commit to an annuity unless surrender charges are less than 14 percent of the principle. 6. Beware that agents will receive a higher commission if they sell you a policy that has fluctuating variables tied to the market. 7. It doesn’t hurt to consult with a tax professional. Just be careful not to mistake tax deferment to mean no taxes. Also, be careful about other tax scams going around these days. 8. Educate yourself on the importance of understanding liquidity issues with owning an annuity. An annuity will be accompanied by withdrawal fees and IRS tax penalties. Be sure you are familiar with how this process works. 9. Never invest more than 35% of your assets into annuities. As you approach retirement, you want to find investments that best fit you and your financial situation, not someone else’s. Each person will be different. You must also take your present needs and future goals into account. Although annuities may be beneficial for a portfolio, that does not mean that it is a solution for every investor. 10. Do not sign any paperwork without ensuring the agent is properly license. Also ensure the payment will be made to the insurance company, not the agency or agent. How To Report The Sell Annuity Payments Scam: Make your family and friends aware of this scam by sharing it on social media using the buttons provided. You can also officially report the scammers to the Federal Trade Commission using the link below: Report To The FTC Here How To Protect Yourself More: If you want to be the first to find out the most notorious scams every week, feel free to subscribe to the Scam Detector newsletter here. You'll receive periodical emails and we promise not to spam. Last but not least, use the Comments section below to expose other scammers.

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