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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.

See what your annuity can do. Talk to a representative now. The Basics Selling Annuity Payments For A Lump Sum of Cash Life may have changed quite a bit since you first set up your annuity. If so, it’s a good time to look at your annuity a bit differently. Peachtree Financial Solutions can turn all or some of your future annuity payments into one lump sum, so that you can put your money to better use – whether it’s for a bigger home, a more reliable car, tuition, or to pay off debt. You don’t have to wait. Find out how Peachtree can help you cash in all or part of your annuity payments. What Are Annuities? An annuity is a fixed or variable sum of money paid in increments over a predetermined period of time. The general purpose of an annuity is to provide a steady stream of income for the recipient. Annuities are used in a wide array of applications, from retirement plans to legal settlements to survivor benefits and more. In addition, some inheritances can be set up as annuities, and some annuities themselves can be passed down to a beneficiary. In many annuities, the recipient collects the same amount of money each year, although some annuity contracts can have variable payments. Types of Annuities An annuity can be created for many different reasons, and Peachtree works with recipients of nearly every kind of annuity. The most common type is a Single Premium Annuity and it can be paid out in two different ways: Single Premium Immediate Annuities This type of annuity begins paying out within a year of being purchased. This type of annuity is purchased with the one-time investment of a lump sum, either from the purchaser’s personal savings, a retirement plan, or an inheritance. Single Premium Deferred Annuities This type of annuity is set to be paid out at a later date. This annuity type is purchased with the one-time investment of a lump sum, either from the purchaser’s personal savings, a retirement plan, or an inheritance. Deferred Vs. Immediate Annuities An immediate annuity offers a steady, predictable income starting within a year of purchasing, while also allowing you to determine the payback period and riders attached. Deferred annuities delay the payment until the investor elects to begin receiving them. Deferred annuities consist of first investing money into the account, and then the income phase when it is converted into an annuity and payments are received. Understanding your annuity options and how they affect your sale is an important part of planning your financial future, and Peachtree Financial is here to help. Pensions Although most retirement plans have transitioned to contribution plans like 401(k) and IRAs, annuities are still offered as part of government and other legacy pension options. It’s up to the retiree to determine how the payout will be made, and how any survivors will benefit from the annuity. Peachtree Financial Solutions cannot purchase payments from pensions or employee-sponsored retirement accounts. Types of Annuity Payment Structures The cash an annuity can generate depends on a wide number of factors, from how the economy is performing, to the various riders which were added to it. However, one of the most important factors that is taken into consideration when selling an annuity, is the payment structure you’ve chosen. There are literally thousands of different varieties of annuity products and contracts. However, most annuities fall into one of the following general categories of payment structure: Fixed Annuities Periodic payment from a fixed annuity is the same for the duration of the term, and is usually funded by a stable rate of interest from the insurer. Variable Annuities Variable annuities are funded by investments that are more prone to fluctuation, such as stocks and bonds. As a result, the periodic payments can vary over time. The payment structure of your annuity plays a major role in determining whether or not we can purchase your annuity and the amount of the cash lump sum you’re we can offer you. For more information on how your repayment structure will affect your annuity payment sale, get in touch with one of our representatives. Guaranteed vs. Life Contingent Annuities Guaranteed payments will go to your beneficiary in the event that you pass away before all your guaranteed payments are made. Life-contingent payments will only be made as long as you are living. We can purchase both types of payments. Annuity Riders Along with payment structure, cash out options are also determined by specific riders that have been put in place on your annuity. Like a traditional insurance policy, riders can be added to your annuity. These modify the basic agreement, expanding or restricting the policy to give it the coverage and terms you want. Medical Annuity Riders A medical rider changes the scope of your annuity based on health or life events, providing additional benefits should the unexpected occur. Some common medical riders include: Death Benefits: In many cases, annuity payout is life contingent, meaning that the insurance company only continues payments for as long as the purchaser is living. A death benefit rider lets your family continue receiving installment payments, or accept the balance of your investment in the form of a cash payout. Long Term Care: This rider allows you to access the balance of your investment if you’re transferred to an assisted living community. Impaired Risk: If you contract an illness that substantially reduces your life expectancy, an impaired risk rider may increase the monthly payout in the annuity. Terminal Illness: In the event of a terminal illness diagnosis, this rider allows you to access a portion or even the remainder of your premium, likely without paying any surrender penalties. Unemployment and Disability: Like the terminal illness rider, if you suffer a disability or lose your job, this rider will give you access to your premium. The provider will likely cancel all buy-back fees. Financial Annuity Riders Unlike medical riders, financial modifiers adjust your payments due to external factors, such as inflation. These riders can modify the repayment terms, or allow you to access all or a portion of the remaining premium.. Each insurance company will offer their own list of financial annuity riders, but some of the most popular include: Inflation Adjustment: One potential downfall of a fixed annuity is that the purchasing power of a dollar tends to decrease over time. An inflation-adjusted annuity automatically increases the monthly payment to attempt to compensate for this. Commuted Payout: Adding a commuted payout rider to an immediate annuity allows you to withdrawal a lump sum should an unexpected need arise. In most cases, this is a time-limited rider, only available during the first few years of payments. Variable-Only Riders: Often used to supplement retirement income, a variable annuity gives your investment the best chance of growing, but also comes with certain financial risks like investing in stocks and bonds. To help mitigate the risk, many insurance companies offer special riders: Guaranteed Minimum Accumulation Benefit: If, after the growth phase of your annuity, the total value is less than the total premium paid into it, a GMAB rider will adjust the balance to equal the premium, less any withdrawals made. Guaranteed Minimum Income Benefit: The GMIB rider allows for a minimum monthly payment regardless of the performance of your annuity. Guaranteed Lifetime Withdrawal Benefit: Typically, you have to convert a variable annuity to an immediate fixed annuity to receive an annual income for the rest of your life. The GLWB rider will allow you to draw on your variable annuity without converting it. Benefits of Selling Annuity Payments Life is unpredictable, and what made financial sense when you purchased your annuity might not be best for your today’s reality. Perhaps debt is hurting your credit score, you need instant access to cash to pay medical bills, or you want to make a sound investment like a house or education. Selling your annuity payments for lump sums opens the possibilities and places your financial future in your hands. Making Your Decisions At Peachtree Financial Solutions, we promise to always explain your options clearly, so that you can make informed decisions every step of the way. If you’re considering selling annuity payments, you should ask yourself a few questions. -Have my financial needs and goals changed, and are my annuity payments keeping up? -Do I want to leave money to my heirs? -Do I want more financial flexibility and control over my assets? -Is an annuity still the best use of my money today? You’ll have more questions, and we’re here to discuss them. Call or contact us today! Peachtree does not provide legal, tax, or investment advice. Please contact independent professionals for those services.

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