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Top 10 Scary American Urban Legends Part 3

10. The Skunk Ape
No, that's not my nickname. This is actually one of the most famous mysterious creatures said to wander from Florida to North Carolina and Arkansas. As you might expect from the skunk part of its name - this thing doesn't smell great. Ever since the first sightings of it in the 1960s, people have mentioned the horrific smell of this thing. Often you can smell it before seeing it. When you finally do, it looks like an ape. Big, hairy and running on two legs. For some people, the Skunk Ape isn't just a rumor - its a reality. Dave Shealy is the man who established the official Skunk Ape Research Headquarters. He said there is not one or two buy 9 of these creatures living in the Flordia Everglades. He's spent most of his life trying to document them. According to Shealy, the average male Skunk ape stands 6 - 7ft tall and weighs roughly 450 lbs. Female is 5 - 6ft tall and weigh in at about 250 lbs.

9. Char-Man
Ojai's Camp Comfort County Park is a picturesque place in California. Its also known for being home to many creepy spirits. There's the ghost of a bride wearing a bloody wedding dress, a woman on a horse reenacting her death for eternity and even a headless motorcyclist. However, none are as terrifying or famous as Char-Man. Ever since a fire in 1948 killed a number of people - there have been reports of this hideous figure wandering the area. He's said to have skin burnt to crisp and noxious fume pouring out of him. Some people go even further and say that this creature isn't human at all - they say Char Man is a beast, an entity that has visited people a number of times - and it always goes the same way. They say their homes are engulfed in thick black fumes that send them to sleep. Just before they lose consciousness, they see Char Man walking towards them. When they wake up, there will be a small fire nearby - a reminder that Char Man has visited them.

8. Turnball Canyon
They say Death Awaits Everyone at Turnbull Canyon. Located in Whittier California, the Canyon is known as a pretty dangerous place as it is thanks to the mountain lions and rattlesnakes that call it home. Some people believe that the most dangerous thing there though is the paranormal activity. Its said that the Gabrielino Native Americans called the land -Hutukngna- which means -The Place of the Devil- … the Spanish killed many of them who refused to convert to Catholicism. Some say their tortured souls now haunt the Canyon. Then, in the 19th century, members of the tribe who worked in the area reported seeing ghosts and witches in burial grounds there. The sightings became more frequent when reports started of there being a satanic cult that had taken root in the canyon. They were supposedly sacrificing children from a nearby orphanage. When locals got wind of what was happening, the cult disappeared overnight - but the reports of ghosts, creatures and hooded figures still appear from time to time.

7. The Night Watchers
Were moving over Hawaii now - we all know it looks like paradise but as we've seen in our last few videos, its no stranger to some creepy urban legends. One of them is the Night Marchers. Locals say they are ghostly apparitions that can be seen walking information at night, never stopping, always facing forward, and there is always the sound of a beating drum, echoing out in the silence of the night. Hawaiians say they are armed spirit warriors en route to a battle, they carry old weapons and are clothed in decorated helmets and cloaks.

The next question is naturally, why do they appear? Well, some say they are restless souls looking to reclaim rightful territory or replay a battle gone wrong - hoping this time they can do it right. Or perhaps its a simple ghost tale of avenging their own deaths. The creepiest theory I had is that they are searching for an entrance to the next world. Instead of wandering aimlessly like other ghosts, they do it how a soldier knows best - in a focused, methodical manner. There are signs that the Night Watchers are out on the Hawaiian Islands. They are recognized by their raised torches and repeated chants. Sometimes, footprints have been found, even though the Night Watchers are said to float a few inches off the ground.

6. The Voodoo Queen
Louisiana is a place steeped in Voodoo history. For people in New Orleans, few stories rival that of the Voodoo Queen Marie Laveau. She was said to be a prestigious woman who worked as a hairdresser in the city. She chatted to every customer she had, not just for the sake of it, but to get information. Eventually, she learned the secrets of everyone in the city - man and woman - rich and poor. She used this information to manipulate her enemies through Voodoo. Its said she gained the power of immortality from a demonic force by the name of Papa Legba. She wanted this so that she could kill innocent beings and seek revenge on those who have wronged her. Others say that she never murdered anyone and used her Voodoo skills to unite people. She also blended Catholicism with Voodoo to form a religion that is still practiced in the area today. She died in 1881 at the age 87 but the story did not end there. According to local legend, she returns to life once a year on St Johns Eve to lead the faithful in worship. If you're ever in New Orleans on that night, don't be surprised if you see a ghost of the Voodoo Queen looking for her followers.


5. The Rougarou
Were staying in Louisiana now for this one. The Rougarou is a werewolf creature that has been sighted across French Louisiana for centuries. The creature is said to have all the familiar tropes of a werewolf - huge, leering, covered in fur and ready to tear any human to shreds. It differs from a classic werewolf though in that the Rougarou is said to have a genetic disorder, rather than catching its disease from someone else or being cursed into one by a witch. A Rougarou is a totally normal person until one day when their condition is turned on. Their body is enlarged and they develop an insatiable craving for raw meat. They will remain in this painful state until they complete the transformation - and there is only one way to do this - to take a bite of human flesh. Those who have seen a Rougarou describe it has huge, standing between 7 - 8ft tall, with massive sharp teeth and deep glowing red eyes. It becomes its animal form on the night of a full moon. For many people, the Rougarous is far scarier than a typical werewolf because the person doesn't even know they are one until its too late. It could be your friend, your family member, it could be me - or it could even be you.

4. Skinwalkers
In traditional Navajo culture, the skinwalker is witchcraft practitioner who wears the skins of various animals. A skinwalker can morph into a number of different creatures including coyotes, wolves, bears, crows, and owls. In the past century, that outside of the Navajo people has also reported seeing Skinwalkers. They've been described as half human monstrosities who run on two legs at insanely fast speeds. One woman claimed that a Skinwalker appeared on Navajo reservation land. It ran alongside her car at 60mph, darted in front of her, and then disappeared into the night. They are often said to let out a screeching howl of laughter as they run circles around terrified people. Sightings like this have led many people to become interested in Skinwalkers and wanted to interview Navajo tribespeople to find out more about them. The problem is, there is a deep superstition among the Navajo when it comes to talking about Skinwalkers. Many of the elders believe it's not good to talk or even hear about Skinwalkers, otherwise you will attract them to you. Let's hope that we don't attract them after discussing them in this video.

3. Stow Lake
Stow Lake lies in Golden Gate Park in California. Its said to be home to a ghost that not only appears to visitors - but can be summoned by them. According to locals, the ghost of stow lake was a mother whose baby fell into the lake. They say that she can be summoned by standing on the edge of the lake and saying exactly these words -White lady, white lady, I have your baby- … you have to repeat it 3 times and then she will appear. The best place to do this is said to be next to the Pioneer Women and Children statue. That in itself is said to be a spooky statue as it changed expressions at night. If she deems you worthy enough then she will appear before you and immediately ask you for her baby. If you say that you have the baby, she will haunt you until the day you die. If you say you don't, shell drags you to the lake herself.

2. The Legend of Chloe
This is said to be the ghost of a girl that haunts Myrtles Plantation in LA. One day, a teacher took a picture with one of her students on a trip there, it has since become famous among the paranormal community. Behind them, there appears to be the ghost of a girl standing in the window. She appears to be looking directly into the camera. The owners said this is Chloe, and it's not the first time she's been seen. The picture was said to the Society of Physical Research in England, founded in 1882 - claimed to be the oldest and most prestigious paranormal research group in the world. They found nobody had tampered with or edited the photograph, leading to many people saying this is proof of Chloe's existence. The photograph has now been sent around the world, always with a request for an explanation, but so far none have emerged.

1. Devil Man of Algiers
Were returning again to Louisiana. Algiers is the oldest neighborhood in New Orleans. This story dates back to 1938 when reports of a man terrorizing couples spread around the city. When asked to describe the man, some detailed were disputed but one thing everyone agreed on was that this man was undoubted, categorically - the devil. He was described as having eyes like a chicken, with bright pink star-shaped ears and long black horns. He also rode on thin air and shapeshifted while announcing himself as the devil. The most common reports involved him terrorizing bars, attacking women and appearing before local couples.

People who saw the devil man say they always felt a sense of oncoming death or dread and that they even saw their lives flash in front of their eyes. Perhaps the scariest story came from a young couple. They said as they were traveling home one evening, a strange person tried to stop their car. They slowed the car and asked what he wanted. He asked for a ride to a nearby town, the couple felt uncomfortable and so they politely refused. Later, as they drove down the highway, they saw the same man, walking along the side of the road. They drove past him but after just 10 minutes, there he was again - walking by the side of the road.

Again, he asked them to stop and requested a ride and again, they refused. When they sam him again, he changed into the Devil before their very eyes. They sped off again but then there he was, this time riding a brown horse. They rushed to tell the police who went to investigate. They saw him and requested he stop. When he didn't, they fired shots into him. He jumped off the horse and sprayed the bullets back at that, laughing and rubbing his hairy hands together. He was brought to jail where he quickly slipped out of his cell and into New Orleans legend.

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Structured Settlement

A structured settlement of payments, or structured settlement, is a type of annuity that rewards in cases of personal injury or injury lawsuits, workplace claims, or other forms of court settlement. The owners or beneficiaries receive periodic payments, tax-free, over the years, according to the stipulations in the contract between the parties. If you want to receive cash for your future payments thanks to a final and one-time payment of your structured settlement, we can help you through the process, starting with a fast and reliable estimate. Ultimately, it's your money!

How Courts Grant Structured Settlements
Attorneys, with court authorization, typically resort to and offer structured settlements as a way to compensate plaintiffs in injury or personal injury cases. Once the defendant and plaintiff resolve a claim and agree on an amount, a payment arrangement over a period of time is defined. (This can also happen when a plaintiff gets money thanks to a verdict in his favor.)

The way it works is this: the defendant hands over or transfers future risks or liabilities basically to a third party. Then, through tax laws and other provisions, any future financial responsibility is assumed by that entity. The company that is assigned then purchases one or more annuities from an insurance company. After this, the insurer begins to distribute payments periodically to the plaintiff.

Why do people receive structured settlements?
The federal government enacted the Periodic Payment Settlement Act (PPSA) in 1982 to protect plaintiffs and prevent them from quickly spending large sums of money they may receive in lawsuit cases. The most common types of settlements are personal injury or damage, wrongful death cases, or workers' compensation claims.

Personal injury
A plaintiff obtains a judgment in his favor and a jury awards him a significant amount of money, and the amount is structured in monthly or annual payments over time. These payments help the beneficiary to meet medical expenses and other commitments.

Wrongful death
It is a common way to compensate the family members of a deceased person who sued for wrongful death. Family members could benefit from a tax-free, ongoing payment agreement, estimated based on the income previously obtained by the deceased loved one.

Compensation in labor cases
When salaried workers who for any reason suffer an injury at work, and while fully recovering Future payments can be used to meet bills for medical treatments, as well as to compensate for income not received while not working, as well as other expenses.

Pros and cons
Structured settlements are designed and can be ideally suited to many types of cases. However, once the terms are agreed and appear in writing in the contract, they cannot be modified. Due to the limited flexibility of the contracts, some beneficiaries choose to sell their payments in exchange for a single and final sum, known as lump sum in English.

Pros
In the event of the untimely death of the owner or owner, the beneficiaries listed on the contract can continue to receive any future payments guaranteed and tax-free.
Payments can be scheduled for virtually any time period and can begin immediately or be deferred for several years, as required. They may include a one-time payment in the future, and the benefits may increase.
Unlike stocks, bonds, or mutual funds, structured settlements are not subject to fluctuations in financial markets. Payments are guaranteed by the insurance company that issued the annuity.
The accrual of interest or principal dividends on this money is exempt from federal, state and local taxes, which translates into savings.
Cons
There is not much flexibility. Once the terms are agreed, there is not much you can do to change them if they are not adequate to meet your needs. You cannot renegotiate the terms if your financial situation changes.
The funds are not immediately available in case you have an emergency, and the beneficiary cannot put the amount of the one-time payment in another investment that could mean a greater return on the money invested.
Taking or asking for money based on your structured settlement without selling your future payments can cost you a lot of money. You will pay early termination fees or commissions and pay penalties to the IRS if the withdrawal is before the age of 59½.
You will lose the one-time payment amount when you purchase an immediate-type annuity, or if you annualize your deferred annuity contract.
Qualified versus unskilled
Qualified
The traditional structured settlement for claims of physical damage or illness must meet certain requirements, including that the amount agreed by the parties must be distributed through an annuity, that the periodic payments are for a fixed amount as well as the time or period of the same, that the beneficiary cannot modify the periodic payments, and that the payments must be delivered to the beneficiary or the designated insurer, among other factors.

Not Rated
This type of structured settlement is used when claims for damages fall outside the most common areas such as physical injury, illness, or wrongful death. They are generally used in cases involving discrimination, sexual harassment, wrongful termination, or violations of the laws of the Americans with Disabilities Act of 1990 or the Employee Retirement Income and Securities Act of 1974. Tax benefits (taxes) may vary depending on the type of transaction.

Minors
Minors receiving financial compensation as a result of an accident or personal injury lawsuit could be the beneficiaries of a structured settlement of payments.

In the past, many adults acting as parents or legal guardians of children who suffered injuries had the indiscriminate use of funds awarded to the minor. They spent the money irresponsibly on purchases unrelated to the purposes determined by the court. Payments over time were created as an alternative to ensure that minors have enough money to meet certain long-term expenses, such as food, clothing and a place to live, as well as being able to pay for medical treatments.

Due to the dangers of improper use of funds awarded to minors in these cases, the structured settlement sale process for minors is widely regulated, and these funds are generally not approved for a transfer.

History of structured settlements
For many years, plaintiffs who won sums of money to compensate for damages received a one-time, final payment as part of a court settlement. While these amounts helped pay for medical and other expenses related to the court settlement, many people lacked the knowledge to handle and manage these sums of money.

The law known as PPSA, passed by Congress in 1982, promotes and recommends the use of structured settlements of payments in cases of personal injury or damage, and in fact, provides legal incentives for their use through changes in tax regulations. current. It also stipulates that payments in this way over time will be exempt from federal, state and local taxes.

Laws and norms
Federal and state
Although federal laws safeguard the rights of structured settlement beneficiaries throughout the country, each state has its own laws that may vary slightly from those passed by Congress.
Protection law
Enacted shortly after victims of the 9/11 attacks began receiving financial compensation. What you want is for them to receive clear advice and instructions before selling their future payments.
Periodic payments law
President Ronald Reagan signed this law into law in 1982, making it easy to use structured settlements for seriously injured accident victims and their long-term family members, with the assurance that those income would be tax-free.

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11 Most Poisonous Plants in the World

11. Doll’s Eyes

Most Poisonous Plants, Doll's Eyes

Actaea pachypoda, commonly known as doll’s eyes, is a flowering plant native to the forests of North America. In the spring it produces white flowers but Actaea pachypoda’s most striking feature is its fruit. The plant features a white berry that measures roughly half an inch in diameter and has a black stigma scar. This is where the name “doll’s eyes” originates from. The plant as a whole, including its berries, is considered poisonous to humans. In fact, the berries are the most dangerous part. This is due to cardiogenic toxins that have an immediate sedative effect on the human heart muscle. Therefore, ingesting the berries can lead to death by cardiac arrest.

10. Water Hemlock

Most Poisonous Plants, Water Hemlock

Plants from the Cicuta genus, known by their common name as water hemlocks, have been described as the most violently toxic plants in North America. They’re native to temperate regions of the Northern Hemisphere, mainly North America and Europe. These large wildflowers belong to the carrot family and are sometimes confused with celery or edible parsnips. Similar to water parsnips, water hemlocks have clusters of umbrella-shaped white flowers and they’re found on the shorelines of lakes and rivers. Unlike water parsnips, however, they’re infused with a deadly cicutoxin, particularly in their roots, which attacks the central nervous system.

When ingested, intoxication symptoms can take as little as 15 minutes to manifest. Violent seizure activity is a common side-effect and its onset can be abrupt. It can lead to respiratory failure, muscle breakdown, swelling in the brain or kidney failure. In many cases, death has occurred within a few hours of ingestion. Should the victim survive, seizures may still persist for up to 96 hours and a possible side effect is retrograde amnesia of the intoxication or the events leading up to it. Other neurological symptoms may include hallucination, delirium or coma.


9. Rosary Pea

Most Poisonous Plants, Rosary Pea

Abrus precatorius, also known as the rosary pea, is a perennial climber that twines around shrubs, hedges and trees. Humans have spread the rosary pea outside its native Indonesia and the plant’s ability to invade is quite remarkable. These factors have led to its current pantropical distribution. The rosary pea grows aggressively, expands deep roots and produces hard-shelled seeds. It’s extremely difficult to remove once it’s reached maturity. The plant has brightly-colored seeds, which present shades of red and black, being reminiscent of a ladybug. The seeds are deadly due to an extremely toxic component called abrin. It prevents protein synthesis, which is vital for cell health. In a laboratory setting, abrin has been determined as being at least 75 times more potent than ricin, another well-known plant toxin.

The seed, however, isn’t typically lethal if its hard shell hasn’t been broken. If chewed and ingested, a single seed can kill both adults and children. For an average-sized human the lethal dose of abrin is an estimated 0.1 milligrams. Symptoms include nausea, vomiting and seizures leading up to multiple organ failure. Death typically occurs after a few days and there’s currently no antidote to stop the toxins from ravaging the human body. Because of their bright coloration, the seeds are valued in native jewellery-making. There’ve been reports of workers who’ve died from pinpricks as they were piercing and threading the seeds. In India, as late as the 19th century, rosary pea poison was reportedly used as a weapon. Needles were dipped in a paste made from pounded seeds and then dried in the sun. Afterwards they were mounted on a handle and used to puncture the skin of humans or animals.

8. Lily of the Valley

Most Poisonous Plants, Lily of the Valley

The lily of the valley is sweetly scented and has bell-shaped flowers which blossom during springtime. It’s found throughout the cool temperate Northern Hemisphere and has had a significant cultural impact. It was fashion icon Christian Dior’s favorite flower and has formed the basis of several classic perfumes. In Christian tradition it’s said to have been sprung from the tears of the Virgin Mary, during the crucifixion of Jesus. The lily of the valley also lends its name to a song from rock band Queen, on an album entitled “Sheer Heart Attack”.

The album title only seems fitting, since ingesting the lily of the valley essentially wreaks havoc on the human heart. All parts of the plant are highly poisonous. It contains a toxic amino acid as well as around 38 different cardiac glycosides. These organic compounds increase the output force of the heart and its rate of contractions. To make matters worse, the lily of the valley produces bright-red berries, which may be attractive to children. Any part of the plant, even ingested in small amounts, can cause vomiting, abdominal pain, blurred vision or reduced heart rate. The lily of the valley’s deadly power was also shown on the TV series Breaking Bad. The show’s main character used it as a poison as he plotted to assassinate an adversary.

7. Oleander

Most Poisonous Plants, Oleander

The oleander is the only plant species in the Nerium genus and one of the most poisonous commonly grown garden plants. Oleander is so widespread that its point of origin is no longer known, although some suggest that it comes from Southeast Asia. It can grow to be nearly 20 feet tall with thick and leathery dark-green leaves. Each branch ends in a cluster of flowers, which are white or pink to red. According to one theory the name “oleander” was derived from a combination of Greek nouns that would roughly translate as “I kill man”. It’s a name that rings true when considering the plant’s notorious toxicity.

Every part of the oleander is poisonous. Ingesting it can affect the heart, the gastrointestinal system and the central nervous system. It can lead to muscle tremors, seizures, coma and death. Even contact with the leaves can lead to skin rashes for some people. Its toxicity and wide distribution have turned the oleander into an urban legend across many cultures. While versions vary, the overarching narrative is that people died after eating food roasted over a campfire made from oleander stick. Some legends claim that this happened to the soldiers of Napoleon Bonaparte or Alexander the Great.

6. White Snakeroot

Most Poisonous Plants, White Snakeroot

Ageratina altissima, also known as white snakeroot, is a poisonous plant native to eastern and central North America. It grows up to 5 feet tall and is topped by clusters of small white flowers. While most of the killer plants on our list are rather direct in their attack on the human body, white snakeroot takes a different approach. It contains a toxic alcohol called tremetol. When the plants are consumed by cattle, the toxin spreads to their milk and meat. Then, as humans drink milk or eat beef, they can suffer from tremetol poisoning. It’s a disease commonly referred to as milk sickness.

While farmers today are aware of the dangers associated with white snakeroot, the plant claimed many lives in the past. At the dawn of the 19th century, European Americans settling in the Upper South or Midwest, found themselves in the plant’s natural habitat. Thousands succumbed to milk sickness and it took several decades for them to identify white snakeroot as the culprit. It may have also been the cause of death for Nancy Hanks Lincoln, US President Abraham Lincoln’s mother.

5. Suicide Tree

Most Poisonous Plants, Suicide Tree

Cerbera odollam, commonly known as the suicide tree, is a plant that bears some resemblance to oleander. It’s native to India and other parts of Southern Asia, where it grows in marshy areas and coastal salt swamps. The suicide tree’s flowers are white and its fruit, when still green, resembles a small mango. The fruit’s fibrous shell encases an oval kernel that’s highly toxic. It contains cardiac glycosides and a proprietary toxin, called cerberin, which block calcium ion channels in the heart muscles. It basically disrupts the heartbeat, often to a fatal degree. Upon ingestion of the kernel, the most common poisoning symptom is vomiting, and death may occur within two days. Cerberin is hard to detect in an autopsy. Strong spices also have the ability of masking its taste. This, much like its common name would indicate, has made it an agent of suicides and homicides in India. Between 1989 and 1999, there were over 500 cases of fatal Cerbera poisoning in the Indian state of Kerala.

4. Deadly Nightshade

Most Poisonous Plants, Deadly Nightshade

As the legend goes, when Macbeth was still a lieutenant and before he became King of Scotland, he was faced with invading English forces. Under the guise of a truce, he poisoned them with wine made from the sweet fruit of the deadly nightshade. Augustus, Rome’s first emperor, was said to have been poisoned by his wife with a deadly nightshade mixture. Known by its scientific name as Atropa belladonna, extracts from this plant have been in use since at least the 4th century BC. It’s a perennial herbaceous plant that produces purple, bell-shaped flowers and berries which ripen to a shiny black and are about half an inch in diameter. It’s native to Central and Eastern Europe, Turkey, Iran, the Caucasus, and North Africa. It has, however, been cultivated outside its range.

Throughout history, belladonna has found a place in medicine and as a cosmetic but also as a poison and in ceremonial rituals. Women in the past, including Egyptian Queen Cleopatra, would reportedly use belladonna drops to dilate their pupils. This feature was considered attractive at the time. Belladonna has also occasionally been used as a recreational drug due to the vivid hallucinations and delirium it produces. The state can last for several days. Recreational use, however, is considered extremely dangerous since there’s a high risk of unintentional overdose.

Much like its common name would suggest, the deadly nightshade is one of the most toxic plants in existence. Every part of it contains tropane alkaloids and the active agents are atropine, hyoscyamine and hyoscine. They disrupt the regulation of involuntary activities by the nervous system. Initial symptoms may include dry mouth and throat, headaches, loss of balance, slurred speech, delirium and convulsions. Since it basically paralyzes nerve endings in the body’s involuntary muscles, death occurs due to breathing or heart complications.


3. Wolf’s Bane

Most Poisonous Plants, Wolf’s Bane

The Aconitum genus contains numerous plants commonly known as aconite, wolf’s bane, monkshood, or devil’s helmet. Wolf’s bane is a plant that people have known to be extremely toxic since Ancient times. In Greek mythology, it’s said to have come from the slavering mouth of Cerberus, the monstrous three-headed dog that guarded the entrance to the underworld. In legends related to lycanthropy, it’s said to either cure people of being werewolves or to induce it when consumed.

The indigenous Ainu of Japan used arrows laced with wolf’s bane to hunt bears. The plant is so toxic that indigenous people of Alaska used it for whale-hunting. A poison-tipped lance would be used in the hunt and it would paralyze the whale causing it to drown. Wolf’s bane, especially in its roots and tubers, contains a highly potent cardiotoxin and neurotoxin called aconitine. It damages sodium channels, thus disrupting the proper communication of signals to neurons, skeletal or cardiac muscles.

The first symptoms of aconitine poisoning occur 20 minutes to 2 hours after ingestion. In fatal poisoning death occurs within six hours and it’s usually the result of respiratory paralysis or cardiac arrest. The only post-mortem indications that poisoning has occurred are those related to asphyxia. Treatment is mainly supportive and atropine had been cited as an effective antidote for the physiological symptoms.

2. Castor Bean

Most Poisonous Plants, Castor Bean

We’ve previously mentioned ricin on our list and alluded to its renowned toxicity. It’s found in the seeds of the castor oil plant, Ricinus communis, which is listed by Guinness World Records as the world’s most poisonous common plant. While castor oil itself has uses in medicine and other applications, ricin is notoriously deadly. It’s found in the pulp of the raw castor bean and the process of extracting it is similar to that of removing cyanide from almonds.

Despite their name, the seeds are not true beans but merely resemble them in appearance. They are contained by spiked, greenish capsules. Ingesting broken seeds or breaking them by chewing is what causes poisoning in humans. Intact seeds, when swallowed, may pass through the digestive tract without releasing ricin. Symptoms of intoxication include a burning sensation in the mouth and throat, bloody diarrhea and abdominal pain. After a few days, the victim will likely experience extreme dehydration, decreased urine production and a drop in blood pressure.

Unless treated, death occurs within a week. Ricin is so toxic that it has been researched as a chemical or biological warfare agent in both World Wars. In this context, ricin is considered to be a schedule 1 controlled substance. It was used in the 1978 assassination of Georgi Markov, a journalist who spoke out against the communist Bulgarian regime. The hitman fired a pellet containing ricin into his leg from a modified umbrella and Markov later succumbed to the poison.

1. Tobacco

Most Poisonous Plants, Tobacco

Tobacco is the common name of over 70 plant species in the Nicotiana genus, which are indigenous to the Americas and Australia, as well as parts of Africa and the South Pacific. They’re part of the nightshade family and contain various amounts of nicotine. Some tobacco cultivations sites in Mexico date back to 1400-1000 BC and in some native cultures it was seen as a gift from the Creator. Smoking tobacco, as a ceremonial ritual, was believed to carry thoughts and prayers to the divine. Nowadays, tobacco smoking and consumption account for a global industry trending towards $1 trillion.

In 2017, in the US alone, tobacco companies spent an estimated $1 million every hour towards marketing their products. The risks associated with smoking tobacco are well-established. The inhalation of carcinogens and poisonous chemicals, such as carbon monoxide is devastating to overall health. There are thousands of different substances in cigarette smoke which contribute to its harmful effects. These may include arsenic, nickel or formaldehyde. Smoking has been identified as a major risk factor in heart attacks, emphysema, strokes as well as several types of cancer. It’s highly addictive and even secondhand smoke exposure claims thousands of lives each year. There are over 1 billion tobacco smokers worldwide and the practice itself has been identified by the World Health Organization as the number one cause of preventable death.

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Benefits Behind an Annuity or Structured Settlement

Structured settlement FAQ
Structured Settlement and Annuity settlements are designed to provide a steady stream of income over a long period of time. If bad investments are made with a lump sum settlement, then they can vary in a few years of your life.

One of the advantages of receiving a structured settlement over a lump sum settlement is that a steady stream of income is divided for you over an extended period over several years.

A structured settlement is tax-free through the federal and state levels during its pay periods, but a lump sum of money invested is not tax-free.

As stated before, some bad investments could mean that a lump sum settlement won't last a lifetime.

A million dollars in an account seems like it could last forever, but after medical bills and living expenses this lump sum settlement can't last nearly as long as an annuity or structured settlement would.

The second advantage of a structured settlement is the vulture factor. Many people take advantage of older people who have a sum of cash. A lump sum settlement can be dangerous if the necessary precautions are not taken to protect a loved one. With a structured settlement this factor will not come into play. A fixed income will provide a worry-free environment for the individual receiving periodic payments.

The third benefit of a structured settlement is the expense to the defendant. Many defendants will settle out of court to avoid the big lawyer fees usually created by an ongoing legal battle. The argument is that the defendant could win the case. This is true, but the defendant could also back out much further than if they just settled out of court with a structured annuity.

Structured Settlement Annuity

The benefits of a structured settlement that were listed above are not the only ones. This article is intended to describe the important facts of a structured settlement.

Structured Settlement Quotes does not create structured settlements. We are a structured settlement exchange company. Financial times change for different people at different times, we offer a service of collecting a structured settlement, offering a one-time payment in exchange for those future payments. There are many reasons to use this option, but it is not recommended by Settlement Quotes to use this financial path if it is not needed.

FOR TO ASK FOR A REFUND CASH MONEY ANNUITY NOW?
For most people, the option of taking an annuity payment seems to make a lot of sense. Whether the income is from lottery prizes or a life insurance policy, it offers long-term financial security, and stability, right? At least, that is the theory. By assuming annuity payments, you are guaranteed to receive a certain amount of income for a certain period of time, allowing you to plan ahead and not have to worry about being without income. However, life has a way of turning things around, and annuity payments don't always work out the way you anticipate.

Stacking Accounts
Why collect a cash annuity? Many people find that one of the reasons they need this money is to be able to pay the amount of the bills - medical or otherwise. A medical problem can wreak havoc on your finances, and while annuity payments will help pay your bills over time, they cannot meet your immediate need. This is particularly true in situations where you have lost your job and creditors are harassing you, or your mortgage company is threatening foreclosure. In these situations, annuity payments could be of great help.

Where to find help
The real question here is how to withdraw money from the annuity. What should you do? You cannot go to the bank and ask for money in advance. Technically, all the money that belongs to you is held by the debtor - and is officially his until he has to pay you, despite your annuity contract. However, you have other options. There are companies that can buy your annuity in exchange for a certain amount of money. This gives you access to almost all of your funds immediately, to use as you see fit. You can pay the bills, repair your house, repair your car (or get a new one), or put the money towards your children's education.

The problem is that not all buyers are the same. Different buyers will offer different amounts in exchange for your pension, and you should never close a deal with the first company to make you an offer. You need to make an informed decision and compare your options. This is where you enter a brokerage - with the right help, you can receive quotes from several companies, compare each of the offers, and thus choose what best suits your needs.

WHAT YOU SHOULD KNOW BEFORE SELLING YOUR ANNUITY
Annuity payments certainly help offset your financial situation, but sometimes they may not be enough. If only there was one way you could get a one-time payment instead of small, ongoing payments. Actually, there is a way to do just that. You can sell your annuity. However, that is not necessarily the best option for you - there are things you need to know before selling your annuity to make sure you are making the right decision.

Consult Local Laws
One thing to do before anything else is to check your state laws regarding annuity sales. Each state has its own requirements, in addition to the federal laws governing the transfer of annuities, and you will need to make sure that you agree to all of them. If necessary, contact an attorney to help you understand the process, your obligations, and the laws that apply to you.

How much money?
Another consideration here will be the amount of money you can get for your annuity. Don't think that you are going to get 100% of the money you have to collect - It doesn't work that way. Most finance companies offer a percentage of what you come in, but there are other mitigating factors, including how the payments are set, the total amount of the annuity, and much more. You will also find that finance companies vary just like banks in terms of the terms they offer, so taking the time to review all the options and companies and compare them against each other is very important.

Get multiple offers
Given the importance of comparing the different offers, you will surely find several options when you decide to sell the annuity. This can be difficult to do on your own. However, there are stock brokers who can make the process simple and easy. These agents provide the means to start receiving offers from buyers within minutes, and you don't need to locate and contact financing companies on your own.

With the information above, you will find that making the decision about whether to sell your annuity is simple. Of course, there will be a lot of decisions to be made, but working with a reputable broker and following the advice mentioned above will ensure that you make an informed decision about the sale.

WHAT YOU NEED TO KNOW ABOUT FINDING ANNUITY BUYERS ONLINE
Annuity selling is not new - this has been going on since structured settlements have been around, even though it has become more common in recent years. For those who find that their structured settlement does not help with a crippling financial situation, finding annuity buyers is important. How do you do that, however? In fact, it can be as simple as going online to find annuity buyers, but there are a few things you should know.

Search Informed
Before looking for buyers on the internet, it is important to arm yourself with the necessary information. For example, not believing everything they say in late night commercials. The Annuity Sale requires more than just a phone call. The entire process can take more than a month, and is subject to the decision of a judge who determines if the sale can advance. Searching for annuity buyers online should only be done after you have thoroughly researched your situation.

Don't Look For Annuity Buyers On The Internet By Yourself
Another important tip for looking for buyers on the internet is that the process is simpler and more efficient when you have help, but, nevertheless, do not seek help from the buyers themselves. Rather, you should work with a broker who can help you connect with more reputable buyers. Working with a broker does not mean that you will start receiving offers immediately, but rather that you can work with some of the best buyers on the market. Searching for yourself only means that you will have to trust your own experience, which may not be as broad as it should be.

VET agents
Of course, you cannot choose a brokerage house blindly. Searching online to find annuity buyers is a tricky situation given the legal complexities involved. You need help from experts from a company with years of experience under its collective credit. Make sure the company you work with has a verifiable history dating back several years. You should also make sure that they are full members of the Better Business Bureau and that they work on your behalf, and not on behalf of the buyers. While there are brokers to connect the two parties, it is necessary to have your interests protected and a good broker will do exactly that.

As you can see, there are several things you need to know before starting an online search to find annuity buyers.

WHAT IS AN ANNUITY?
An annuity in the most general sense of nature is a financial arrangement between two parties where one organization pays the other. This type of transaction usually takes place between an insurance company and an individual. Some examples of insurance companies that offer annuity products are Allstate, Safeco, Monumental Life, AIG, New York Life, and Met Life.

Annuities fall into several categories, including fixed vs. variable, immediate vs. Deferred, unique premium vs. flexible premium, qualified vs. unqualified

Classifying an annuity can be confusing, as they can be classified into all of these categories at once. An example might be a qualified fixed single premium lifetime annuity. In other words, this annuity benefits which means it will be invested in a tax-advantaged retirement plan like a 401k or IRA, the fixed category means the annuity will be funded by a single payment, and the fixed categories mean half life that the annuity will last until the death of the policyholder paying in guaranteed increments earning a fixed amount of interest.

The benefits of an annuity
The first benefit of an annuity is income for life. This type of annuity is called an annuity and can be set up to earn a fixed amount of interest and payment on either monthly, semi-annual or annual payments.

The next benefit is the tax advantages of having an annuity. Capital gains and investment income invested in annuities are not taxable until withdrawal. Tax deferral on income-generating investments is very important because there are no limits to the amount that can be invested in an annuity, unlike many other financial vehicles.

The third advantage of owning annuities is the benefit of your heirs. A common misconception about annuities is that when an annuity is funded and the policyholder dies shortly after payment the insurance company keeps the entire investment. This can happen, but this can be avoided by purchasing a guaranteed annuity. This guarantees an income to the beneficiaries after their death for the assigned amount of configuration year during the period of creation of policies.

Settlement Quotes does not sell insurance products. SQ is an annuity factoring company providing people who sell an annuity with a viable option to get out of a long investment underneath. This option should only be used in serious circumstances.

WHAT IS THE DIFFERENCE BETWEEN ANNUITY AND STRUCTURED SETTLEMENT?
It's tempting to put annuities and structured settlements in the same category. After all, they have quite a few similarities, including regular payments over a set period of time. However, they are actually very different, and the way the federal and state laws that handle these two financial products are also very different. What is the difference between an annuity and a structured settlement? Let's take a closer look.

A LOOK AT STRUCTURED SETTLEMENT
Structured settlements are exactly what they sound like. These are generally the result of a lawsuit involving personal injury or liability, and represent an acknowledgment in favor of the plaintiff. The defendant has been found guilty or has accepted guilt in lieu of going to trial, and the award amount has been converted from a lump sum into a series of payments over time. They are called deferred payments.

A LOOK AT ANNUITIES
The difference between an annuity and a structured settlement is that annuities are generally the financial tools available through insurance or investment companies. Lottery prizes often fall into this category as well, if the person has opted for the annuity option rather than the cash sum. An annuity is an investment in which the investor makes a profit in addition to the original investment amount, and may have different beneficiaries. There are a wide range of types of annuities.

WHAT YOU NEED TO KNOW
As you can see, the difference between an annuity and a liquidation is very important when you really want to delve into the subject. How does this affect the owner of the annuity or structured settlement?

A large part of how you are affected will be determined by where you live and what state laws apply to the sale of your product. In most cases, states do not allow the sale of structured settlements, but annuities are sometimes a different matter. The law can be very complex when it comes to selling these types of financial tools, and you need an expert to help you navigate these murky waters.

Perhaps the best advice for anyone considering an annuity sale or structured settlement is to work with a trusted agent who understands the law. The broker must be an accredited member of the BBB, and must have a long history of offering robust solutions for clients and helping them get the best deal for their settlement or annuity.

WHAT IS A STRUCTURED SETTLEMENT ANNUITY?
A structured annuity settlement is a financial vehicle that includes periodic payments, provided that the plaintiff in a personal injury liability lawsuit replaces a cash payment settlement. This type of financial tool can only be configured with a licensed settlement planner. (Settlement Quotes does not create these insurance products.)

A structured settlement is set up by purchasing an annuity through a life insurance company such as Metlife or Monumental Life Insurance Company. This annuity can be a monthly, semi-annual, annual or lifetime payment from the claimant. These periodic payments are tax-free and are a great source of fixed income for an individual after a personal injury liability case.

Many people wonder if they can receive a one-time cash payment after they start receiving their structured settlement annuity payments. The answer is no, you cannot go back to a cash settlement for the total. You do have options however. Settlement Quotes provides services to people in this situation. We will offer you a sum of cash for your structured settlement from other companies.

This is not always the best option for many people. A discount rate will be applied to your structured settlement to calculate your present value of your structured annuity to calculate your cash settlement. Due to the time value of money, you will only receive a partial amount in the lump sum. After a court approval process the lump sum payment will remain tax free.

Quotes Settlement only recommends using this inexpensive option if you have other financial assets that can provide financial support for your family. Many people pay off their debts, send their kids to college, or make a down payment on a house with the money they receive from the factored structured settlement.

There are many benefits to keeping your settlement structured. Quotes Settlement recommends seeking the advice of a financial professional before factoring payments through a structured settlement factoring company. A structured settlement can be used as a source of income when it comes to applying for a loan. This option must be tried first before attempting to receive a one-time payment.


SHOULD I SELL MY ANNUITY?
If unforeseen circumstances have caused a financial crisis for you and your family and you need a cash flow, selling your annuity or settlement payment may be the solution to your problems. Those who cannot meet their mortgage payments or have unexpected medical expenses should examine all their options. It is important to protect other assets or sources of income, so you need to calculate the potential risks and benefits. If selling the annuity is the best way out of financial difficulties, there is help for you to get the best price.

When multiple companies or investors compete to buy annuity payment rights, you have a better chance of getting the best price. If you simply approach a company, they will give you a take it or leave it price and you may not know if you are getting the best deal. In this particular industry, many companies use tactics like low-ball in the hope that they will accept their minimum offer which in turn will maximize their profits. Using an exchange such as Settlement Quotes LLC helps eliminate this type of tactic and will help you get the best price for your future structured settlement payment rights.

The first thing to do is find out the potential value of your annuity. This will give you the information you need to decide if it's worth the sale and, if so, what is considered a good price. Settlement Quotes Agreement provides calculators that can help you determine the value of your annuity. Once you have found the value of your future payments it is time to decide if it may be a better option rather than cashing your annuity. Other options may include:

bank loan

borrowing money from friends or family

sale of other assets

check with local Credit Unions

If you are wondering, should I sell my annuity, consider your other assets. If selling the annuity can save your home, avoiding excessive indebtedness or paying medical bills or education will be worth it. With rates at historic lows, the cost of taking advantage of a structured settlement or annuity is much cheaper now than it has ever been, and possibly never will be. There may be better options so it is always best to consult with an attorney or financial advisor before making any final decisions.

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