Cash Out Structured Settlements and more
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Facing Financial Hardship?

Wednesday, October 22nd, 2008

Learn How Your Structured Settlement, Or 401K Can Help You!

Selling your payments could help you avoid financial hardship For individuals who have a structured settlement, or 401K, there may be a solution available to those who are currently seeking financial assistance, and who are experiencing hard times. Today’s economy and credit crisis along with rising unemployment rates have left many people wondering how they are going to bridge the gap, and continue to pay for things like tuition, mortgages, debt, and medical expenses.

Unscrupulous companies claiming to have the power to wipe away debt, reduce your mortgage, or get you a quick loan are preying on and taking advantage of nearly desperate individuals and their families every day. Unarmed with no real direction or advice on where to turn, many fall victim to scams that are targeted at lower and middle income families.

The good news is there alternatives to high interest loans, or borrowing money from friends and family. If you contribute to a 401K, receive annuity payments, or if you are collecting payments from a structured settlement, you can tap into these in the times of hardship and need.

Your Structured Settlement

A structured settlement may be one of the best ways to get cash that you need now without creating more debt, or incurring additional high interest loans that cannot be repaid or are unaffordable. Although a settlement cannot be altered once it has been agreed on, you still retain the right as set by congress to sell your settlement payments either in part or wholly. A structured settlement agreement may have been ideally planned in the beginning, but a change in circumstances with one’s job, home, and or family can create an unforeseen expense or need not previously anticipated.

When you choose to sell your future payments from a structured settlement you can get a large lump sum of cash to use for anything you need. It is not a loan and therefore does not require a credit check or repayment. At a time when possible loss of a family home due to foreclsoure is imminent, cashing in on the money you previously agreed to wait for can be one of the single best possible sources of the money you need now to save your home and get back on track. Medical expenses, debt, and tuition are amongst the most popular reasons for most people to sell their settlement payments.

Selling structured settlement payments is not as daunting as some would think. Typically you can have your money in as little as 90 days. Finding the right company to buy your structured settlement payments is the biggest challenge. It is important that you find out how much your future payments are worth by getting multiple quotes. Remember that all of your future payments are not worth the same amount. Inflation, interest rates, and the time value of money all play a role in a company determining how much they are willing to pay to purchase your settlement payments.

It is a good idea to research each of the companies you contact and contemplate doing business with. Speaking to a representative and asking questions is the best thing you can do for yourself. You should be prepared to ask questions relevant to your situation. Letting the company know why you are seeking to sell your payments and how you intend to use the proceeds form the sale, will allow their representatives to provide you with various options available to you.

For more information on how to sell your structured settlement to to get a free quote visit www.woodbridgeinvestments.com you can also call toll free 1-866-865-7044. You can call24 hours a day 7 days a week.

Your 401K

If you are experiencing a temporary hardship or you are facing foreclosure, you can use your 401 to get cash to help bring your mortgage current and out of foreclosure. You can choose to make a early withdrawal or get a loan against it’s value. There are pros and cons to these actions that should be carefully considered before making your decision. Unlike applying for a traditional loan there are no credit checks and there is not lengthy paperwork process. Typically you can arrange a loan through your 401 with as a little as a phone call and a small stack of paperwork.

The downside to this can be the stiff taxes and or penalties imposed when taking a loan or early withdrawal and can vary depending on which you choose and how old you are. Make sure that you speak to a financial professional or contact the IRS directly to learn about your rights, and how your age will affect rates, interest, and penalties.

Here are some 401 Loan Basics

Plans typically allow you to borrow 50% of the amount in your plan, up to $50K. With the exception of loans taken for a mortgage for your primary residence, nearly all loans must be repaid in 60 equal monthly payments over a five year repayment period. The interest rate you pay will be determined on the day you take the loan and using the “prime rate” plus one percent. The “prime rate” can be found in the business section of your newspaper. Repayment of a plan loan is made through payroll deduction, only a few companies allow you to pay in any other way. You can always repay your loan at any time with no penalties.

WARNING: The consequences of a plan loan default are different than for other types of loans. If you fail to pay the plan loan, you will have to pay both regular federal and state income taxes. If you are under age 59 1/1, and additional federal income tax equal to 10% of the outstanding balance will be added.

To find out more about your 401K visit www.401k.org

If you have questions or concerns about you potential tax liabilities contact the Internal Revenue Service at www.irs.gov or follow the links below.

Call The IRS With Your Tax Questions

Live assistance is available Monday through Friday. There is also a 24 hour recorded assistance line for your convenience.

Contact Your Local IRS Office

IRS Taxpayer Assistance Centers for when you believe your issue is best handled face-to-face. Hours of service and other local information is provided on a per state basis.

IRS Mailing Addresses (”Where to File”)

For those who don’t file their federal tax returns electronically, the “Where to File” pages provide mailing addresses for filing all paper tax returns. You may also use your appropriate “Where to File” address for other written correspondence with the IRS.

Contact Us for Status of Your Refund

Want to check on the status of your refund? You can check online with the Where’s My Refund application, or call 1-800-829-4477. (Please wait at least four weeks before calling.)

Contact Your Taxpayer Advocate

If you have an ongoing issue with the IRS that has not been resolved through normal processes, or you have suffered, or are about to suffer a significant hardship/economic burden as a result of the administration of the tax laws, contact the Taxpayer Advocate Service.

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Current Credit Crisis Creates Increased Sales of Structured Settlements, Annuities, and Lottery Payments.

Tuesday, October 7th, 2008

As an eager nation waits to see how Congress plans to detail it’s economic rescue plan, many individuals and small business owners have drawn down their credit lines afraid it will soon be unavailable. Recipients of structured settlements, annuities, and long term lottery payments are also making sure their money is safe. Spooked by the failure of Insurance giant AIG, individuals have decided they do not want to feel the anxiety of having to wait twenty to thirty years for their money and are selling their payments for top dollar today.

President Bush urges our executive and legislative branches to act now before global repercussion defeats attempts to thwart crippling cash crisis here in the U.S. Today’s news is overwhelmingly reminiscent of a darker age over half a century ago. People are emptying their bank accounts afraid that their banking institution will be the next to fold, gathering guns and arming themselves out of excessive fear there will be social chaos. The Federal Deposit Insurance Company hopes that raising cap amounts will encourage depositors to allow banks to manage their money rather than deplete vaults.

Economic paralysis has not yet taken place, but for many Americans watching the media, reading their newspapers, and not understanding wholly what has taken place in our country’s economy is enough to ring the bells of panic. Some of the largest settlement purchasing and factoring companies are seeing record highs numbers of people coming to them for help to simply, get their money now. Companies that buy structured settlement and annuity payments offer a large lump sum of cash now when sold rather than having to wait months or even years. Credit is even harder to come by and for many selling their settlement, lotery, or annuity payments is their only option.

Several States are wondering how to continue operating without Federal aid, and many more American businesses large and small, are pleading for help they may not get, to continue funding their payrolls without further cutting jobs.

Oct. 3 (Bloomberg) — California Governor Arnold Schwarzenegger sent a letter to U.S. Treasury Secretary Henry Paulson asking for an emergency federal loan for his state of as much as $7 billion, a Treasury spokeswoman said. Schwarzenegger e-mailed the letter last night, Treasury spokeswoman Jennifer Zuccarelli said. She declined to give further details.
California may need the loan within weeks as the state is having increasing difficulty funding day-to-day operations and accessing short-term loans, the Los Angeles Times reported earlier, citing a copy of the letter. - John Brinsley

An except from the Bloomberg Report cited:
“Service industries, which include banks, insurance companies, restaurants and retailers, subtracted 82,000 workers after eliminating 16,000 in the previous month. Retail payrolls slid by 40,100 after a 25,400 drop. Government payrolls increased by 9,000, the smallest gain since January. In the past month, Hewlett-Packard Co., the world’s largest personal-computer maker, announced it will cut 24,600 jobs, and auto-parts maker Federal-Mogul Corp. said it would eliminate 4,000 positions globally.”

The Labor Department today in Washington said payrolls fell by 159,000 more than projected after the 73,000 decline earlier this year in August. With a dampening labor market, borrowing costs rising, and the worst financial meltdown since the Great Depression, the world’s largest economy, the U.S., may suffer even bigger job losses ahead as consumers and companies retrench.

“The financial panic is a body blow to business confidence, and companies are now battening down the hatches,” Mark Zandi, chief economist at Moody’s Economy.com in West Chester, Pennsylvania, said before the report. “We’re in store for very sizable job losses across many industries. A rate cut by the Fed could come before the next meeting.”

It is not surprising to see why so many people are choosing to make sure their money is in the safest place possible:their own hands. Unsure of how much longer their job will last, if they will be able to pay for things like mortgages, tuition, household and medical expenses, thousands are turning to companies who will buy their future and long term payments from settlements, annuities, or lotteries for top dollar, and getting the cash they need now.

Scott Schwartz, Vice President od Sales for one of the largest and oldest purchasers of structured settlements, lottery and annuity payments, Woodbridge Investments, was asked about the record high sales the company reported earlier this month.

“People just don’t know what to expect, and they have a need to make sure that they have some sure footing financially. We are here to help our customers and Americans nationwide, get their money now from settlement, annuity, and lottery payments. Too many unfortunate circumstances and unprecedented hardships have befallen too many people, we see it in our numbers, and until another form of economic relief comes forth, we will continue to provide individuals with the help they want and ask for to get their money now. Waiting ten, twenty, or even thirty years for long term payments is just too scary for some people, and for others it is not an option.”
-Scott Schwartz,Woodbridge Investments LLC.

In the days, and weeks ahead Americans will wait and watch to see which Presidential hopeful wins their trust and proves to have answers and action to improve our economic future, but until significant change is seen, many more will continue to fear leaving their money in someone or something else’s hands.

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AIG receives two-year loan to float insurance giant; Woodbrige buys long term payments from individuals.

Thursday, September 25th, 2008

AIG receives two-year loan to float insurance giant;Woodbridge Investments Buys Long Term Payments From Individuals.

Woodbridge Investments, a structured settlement and annuity factoring company is helping people all over get their cash now from long term and future payments they are receiving from flailing insurance giant AIG.

Though AIG was almost forced into bankruptcy after credit rating downgrades sparked a liquidity squeeze,Americans across the country currently receiving structured settlement or annuity payments have turned to Woodbridge Investments to get their money now The Federal Reserve is providing a two-year loan that will give AIG time to sell assets “on an orderly basis, AIG said in a statement last week. The company was almost forced into bankruptcy after credit rating downgrades sparked a liquidity squeeze.

Americans across the country currently receiving structured settlement or annuity payments from AIG have turned to Woodbridge Investments to get their money now. Fear of future economic instability as pressures on wall street rise are driving individuals to take their money into their own hands.

Woodbridge will guarantee the largest lump sum available for your future payments. Many have chosen to get the cash they need now to pay for things like burdening debt, unforeseen medical expenses, or to purchase a home. Residents of Florida who are first time home buyers are losing FHA first time buyers assistance as the programs ceases this October. For these state residents, now is the time to buy as home prices fall, and lenders tighten their requirements on borrowing and increased down payments become a larger concern.

With over $12 Billion dollars in trophy properties, AIG is hoping to soften the blow of losses recently felt by selling off assets. And as AIG seeks to regroup, people are making sure their money is back in their hands. For so many people who depend on the income provided by their structured settlement or annuity payments, waiting twenty to thirty years is too much anxiety. And the need is felt greater now then before for so many more who are facing unemployment, loss of wages, or increased energy costs that have all but become a crisis.

If you or someone you love is currently receiving long term payments from a structured settlement or annuity and want to see how large a lump sum your payments are worth, call toll free 1-866-865-7044 today, and get started in just minutes. There is no cost or obligation. You have nothing to lose, and only your money to gain!

Filed in Blog, Sell Structured Settlement Payments, Sell Personal Injury Settlements, Buyer of Structured Settlement Payment, Annuity Payments | Permalink | Comments (1)

Structured Settlements and Annuities: How you can turn your payments into a new home

Friday, August 15th, 2008

Get a large lump sum now for your future payments from structured settlements, annuities, or lottery winnings. Use your lump sum as a down payment on a new home purchase, or renovate and upgrade your existing home.

Selling your structured settlement payments for one lump sum could help buy you a new home. If you are among the thousands of Americans receiving periodic payments from a structured settlement, annuity, or lottery and looking to buy home, there is no better time than now!

With an overwhelming surplus of new construction, and foreclosed homes, there is a seemingly endless inventory of homes available on the market these days all across the country. Banks have tightened there lending requirements, and are racing to recoup lost assets felt as a direct result of defaulted home loans.

What does this mean for you?

It means that home prices have plummeted.

There are more houses on the market than there are buyers with available credit or ability to afford required down payments. The Feds have locked the interest rates for the time being affording you an opportunity to take part in the American dream of home ownership.

When you sell all or some of your structured settlement or annuity payments, you receive a one time lump sum of cash, that is readily available to you. Depending on how much your payments are worth, you may even be able to sell only a small portion of payments and still receive periodic payments to supplement your income. You can sell future payments even if you have sold some before. Companies such as Woodbridge Investments will buy your payments even if they are outside the guaranteed period.

How do you find out how much your payments are worth?

That’s Easy!

There are several companies that specialize in buying payments from structured settlements, annuities, and lottery winnings. These settlement purchasing and factoring companies have funding ready to put cash in your pocket now. Aggressive competition for your business ensures that you are going to get the most money possible for your payments. Once you have determined how much money you will need, find out how much your payments are worth by getting an appraisal or quote.

What do you need to get an appraisal or quote?

All you need is three!

How often do you receive your payments?
Do you receive them monthly, quarterly, annually, etc.
How much are your payments?
Are they $500, $1000, $10,000, $50,000, etc.
How many payments are left?
Do you have 5 years, 10 years, 30 years?

With just these three key pieces of info, you can find out how large a lump sum is available to you when you sell payments from a structured settlement, annuity, or lottery.

Are all your payments worth the same amount of money?

The answer is no. TVM, otherwise known as the time value of money, and the interest you have not earned in your payments not yet received all play a role in factoring how much your payments are worth. Payments that are further in the future are typically worth much less than those you would receive sooner. A dollar today is worth more than a dollar tomorrow. Inflation plays a large role in eating away at the value of your future payments. The amount of money you will pay for a bag of groceries today will not get you as large a bag in 5, 10, or even 20 years. For this very reason many people chose to cash out there payments now, and reinvest their money, start another business, pay for college tuition, or even put it in savings.

How does a company determine how much my payments are worth?

The equations used when factoring the monetary value of your settlement, annuity or lottery payment is a bit complex. TVM (Time Value of Money), Calculated rate of Inflation, and Interest Rates are just a few components used in determining each payments value.

After I chose a company to sell my payments to what do I do next?

Now that you have decided to sell your payments for a large lump sum. You will need to provide the company buying your payments with proof of your benefits. This is a letter from the insurance company that states in writing exactly how your payments are structured and how you receive them. Then you will need to sign agreement with the settlement purchasing company.

The company will deliver to you documents for your to review, and after you have agreed to the sale of your payments in writing, a court will review the transaction, and provide a final approval.

Why does a court need to review my sale?

A court will determine that the transaction you have agreed to is in your best interest, makes sure that all legal documents are filed accordingly, and that you will net be negatively or adversely affected by giving up some or all of your future payments. As previously stated, you do not have to sell all of your payments. How many payments you sell, is up to you.

There should never be any pressure or obligation for you to sell your payments. Your financial decisions are personal and these choices should be left for you and your family to decide.

Once the court has approved the transaction, you will receive your lump sum. Typically the entire process can take anywhere from 60-90 days, depending on which state you live in. Some courts will be quicker than others, and taking into consideration how quickly all the documents are signed and returned can have an impact on the varying lengths of time it takes to conclude a sale of payments.

To get a free, easy, no hassle, no obligation quote now call toll free-

1-866-865-7044

Or get an online quote at www.woodbridgeinvestments.com

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Structured Settlement Money Funding College Educations And More.

Tuesday, August 12th, 2008

Thousands of people in the United States receiving periodic payments from structured settlements, annuities, or lottery winnings have found a new way to fund either their college tuition or that of a loved one. Increased costs of living and the need for a stable income derived from a professional career has prompted many to go back to school and earn their degree.

strcutured settlement companies are often buyers of periodic payments Meagan, a former equestrian rider from GA was injured in a car accident at 22 years of age. She had a promising future in the field of equine riding, as a competitor and instructor. She looked forward to starting her own riding school someday in the future.

Because of the accident Meagan was no longer able to ride or pursue her dream. Her settlement payments were just enough to pay bills but the cost of a college education was still out of reach. Meagan cashed out a portion of her settlement payments to pay for the first two years of school. Meagan also used the existing payments to supplement her income while attending school. Today Meagan is no longer dependent on her settlement payments. She is an administrator for a private school, and works with disable children helping them to understand the importance of education and promotes positive self worth.

If you have decided that getting a college degree is the path you want to take and you are receiving payments from a settlement, annuity or lottery winning, you can get cash now for your future payments.

You can get cash now for some or all of your paymnets. The first step is finding out how much your structured settlement or annuity payments are worth. You will need to get a appraisal or a quote. Try to get as many quotes as possibble. It only takes a few moments and there should be no cost or obligation invilved.

You will need to know three things when calling to get a quote.

You will need to know how many payments you have left. You will need to know how often you receive them, and how much they are. That’s it. It’s also a good idea to take financial inventory and write down how much you think you will need.

Once you have decided who you are going to sell your payments to, you will need to give them a copy of your benefits letter, if you do not have one you can request a copy from the insurance company. The total amount of money you need and how much each of your payments are worth will determine which payments are sold. For example: Payments you receive withing the first ten years are worth more than payments you receive in the last ten year? Why do your payments have different value? This is because of interest you have not yet earned on future payments, and inflation. It is not just an old cliche when someone says a dollar today has more buying power than a dollar ten years from now. Remember how much gas was just 5 years ago? How about a loaf of bread? Because of increased cost of living that are factored into the future value of your money, your payments will have different and lessening worth the further down the expectant receipt of them are.

Using your money to invest in a college education is an investment in your future financial goals. It is never too late to sell your payments. You have a legal right to use your money as you need.

For more information on your rights to sell structured settlement, annuity, or lottery payments call toll free 1-866-865-7044.

You can also get a free no obligation quote online by visiting www.woodbridgeinvestments.com

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Not happy with your settlement, annuity or lottery payments?

Wednesday, July 30th, 2008

Want your money your way?

Here’s how!!!

woodbridgeinvestments llc is a buyer of structured settlement, annuity and lottery payments Are you one of the thousands of individuals tired of receiving small monthly, quarterly or annual payments from a structured settlement, annuity, or lottery winning? Getting the cash you need now from your structured settlement, annuity, or lottery payment can give you the future financial freddom to move aheda, get ahead, and stay ahead.

Let’s take the common lottery winning or negotiated settlement payment an average person receives, and break it down. The insurance companies and lottery commissions make money paying you money!

It’s that simple. The lump sum you would ordinarily have received is part of their growing nest egg. These companies make enough money off the interest of the money they do not have to pay out to you, to more than cover your small periodic payments.

These large cash reserves are funded by the insurance premiums and lottery earnings paid by you and everyone else. You have a legal right as set forth by Congressional legislation to sell your future payments for a lump sum now!

It was not until the mid eighties that structured settlements became the choice vehicle for insurance companies to pay out their claims to personal injury victims. Remember the eighties? Sex, drugs, and rock and roll? America saw an overwhelming amount of addiction and reckless ruin. Economists, doctors, legislators claimed that people who suddenly came into large amounts of cash were more likely to induce a drug habit, alcoholism, or gambling addiction. Using altruism and statistics, insurance companies lobbied to be able to construct the “structured settlement agreement”, veiled underneath the ideal that smaller incremental amounts of money would be more manageable for most individuals rather than a large lump sum.

It was true, many recipients did squander and abuse the available funds they now had at hand. But, lets take a look at the fiscal complaints the majority of Americans share about our very own government spending.

Tax payers are now going to pay for a bailout to help companies like Freddie Mac and Fannie Mae who already hold a $5 Trillion portfolio. The non-partisan Congressional Budget Office says that the new treasury powers could cost $25 Billion!

Still think someone else can better manage your money? We have paid taxes to educate our youth, consumers, and ourselves in order to avoid the pitfalls of unrealistic investments, and fiduciary irresponsibility. Given the correct financial guidance and debt management counseling, statistics show that nearly 48% of Americans would be able to effectively eliminate debt almost entirely if they had the ability and the funds to pay off high interest loans, and credit card debt. The average American household carries a debt load equivalent to 32% of their monthly income, if not more in many other cases. That is nearly half of your income! Think of how many better ways you could put that money to use, if you no longer carried a burden so heavy.

Three, four hundred dollars a month in credit card debt may not seem like much, but calculate the compounding interest and see how much more you are really paying for those items you purchased using credit.

Using your money from a annuity, lottery payment, or structured settlement can provide you with the cash necessary now to improve your future financial outlook. Contacting a buyer of structured settlement, annuity and lottery payments can get you the money you need right now.

To find out how much your payments are worth, how long it will take to get your money, and available option and alternative call toll free 1-866-865-7044 today. Get back on the road to recovery today!

Your financial future and goals are not out of reach, let Woodbridge Investments, LLC, show you how you can make the most out of your payments today!

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Cashing In On Your Structured Settlement Now May Help You Avoid Dollars Walking Out The Door Tomorrow!

Wednesday, July 23rd, 2008

“Federal Reserve Chairman Ben S. Bernanke abandoned his June assessment that the threat of an economic downturn had diminished, telling lawmakers that growth and inflation risks are increasing.”
–Craig Torres and Scott Lanman
Bloomberg.com

buyer of structured settlements, annuities, lottery payments Your money is worth taking advantage of today! Waiting for years to go by will cost you more than you may know. Inflation, increased cost of living, market and housing fluctuations eating away at your money like an uncontrolled disease are just a couple of the reasons why getting the most for your money now is good idea.

Continuing to let insurance companies capitalize on your money for their benefit will only leave you wishing you had done it for yourself now.

Interest rates and caps will only remain as they are, for a short term. Can you afford to risk the monetary loss time will incur as it consumes the value of every dollar that is rightfully yours.

The answer very clearly is NO!!!!

The negotiated amount of a settlement will definitively lose value as time goes on.

Will you be able to get the total amount of your settlement if you cash out now?

The answer is no. But you won’t see it’s full value waiting for the years to pass either. The time value of money means that even though you will still collect the same small monthly amount, it will not carry the buying power tomorrow that it has today. You can however make sure that you are getting the largest lump sum possible today.

As the rising cost of living feeds on every cent you earn, cashing in on a structured settlement can give you the the available money you want and need now to use for things like:

A new home purchase
A new car
Tuition
Home restoration or remodling
A wedding or vacation
Debt and medical expenses

Insurance companies re-invest the money they don’t have to pay you so that the interest they earn is more than enough to pay for the monthly or annual payments they send to you. Using only the interest from your settlement money they can continue to build their own cash reserves. Profiting every step of the way.

Get the information you need to make the choice that is right for you. Find out how your structured settlement can provide you with monies to build a retirement plan or business that will carry you through the coming years by contacting a buyer of structured settlement payments.

Call today to speak to a representative who will answer your questions about selling structured settlement payments, annuities, and lottery winnings!

Get your free no obligation quote and find out how much your future payments could be worth.

1-866-865-7044

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You may be ready for the future, but is your structured settlement?

Wednesday, July 2nd, 2008

Sell your structured settlement payments to Woodbridge Investments! You may be ready for the future, but is your structured settlement? The snow ball effect of a downward economy has hit almost every American. The Bloomberg report shows job losses continuing to increase. The housing market already flooded with foreclosures may be good for lowering home prices, but the actuality of it all is that the national average interest rate on a home is going up, and steadily.

You may be able to afford the purchase price of the home, but with rising interest rates nearly a full percent higher just from January of 2008, the long term cost to a home-buyer could be more than you bargained for.

How much longer will your annuity, lottery, or structured settlement payments hold up against the decreasing time value of money? Most financial experts agree that 20 years ago, a structured settlement would provide a valuable and predictable means of income to protect against such things as loss of a home, or un-expected needs that could arise in one’s lifetime. But 20 years ago, most financial experts, did not dare to speculate that today inflation, and fuel energy costs would see such a drastic and accelerated growth within such a short period of time.

Even so, with inflation being what it is, pulling cash out to reinvest in the market is no longer a vehicle of choice to guarantee you will receive any significant returns.

The stock market has reached it’s bear average. For those of us who do not know what this means, it means that the market has suffered almost a 20% loss or downward turn in less than not only a year, but within this passed month, leaving many holding what would have not so very long ago been considered an impressive portfolio with something less stellar than what was originally anticipated.

Now is the time to invest in a home. Now is the time to look at the tangible versus the cash flow. Long term investment in a home has never shown to be a poor choice. With accruing equity, and the many added tax benefits, a new mortgage may very well still be the way to go.

For so many families living paycheck to paycheck, or waiting every month for that settlement or annuity check, it seems like home ownership is even further out of reach. Do not dismay!

If you are one of the tens of thousands of individuals who are receiving a structured settlement, lottery, or annuity payment, now could be your perfect opportunity to realize the American dream of owning your own home. But you will have to act now to situate yourself financially.

Take the time to get a copy of your credit report. You are entitled by law to a free copy once every year. Make sure there are no erroneous collection activities on your report and verify that all your active or open accounts are current and up to date.

After you have gone over your credit, and cleared up anything negative, you will be in the best possible position to qualify for a new home loan or mortgage.

Remember that if you are a veteran of the US Military, you also have the added choice of a VA Loan which entitles you to purchase a home with little or no money down.

The process of increasing your credit score and standing may take 12 - 24 months to see the results. That is why it is so important to start taking the steps to be rid of negative financial baggage before you even start looking for a home.

How does your structured settlement, annuity, or lottery payment come into play here?

Your structured settlement, annuity, or lottery payments can be sold in whole or partially to obtain the money you need now to pay some of these expenses and debts off.

You can get a large lump sum of cash now, without having to completely give up all of your future payments.

Take only what you are sure you will need immediately, or calculate how much additional money you think you will be expected to put down on a home purchase, and put those funds into a separate savings account. Doing this will save you time and money by getting it done in one transaction. You can always sell additional payments at a later date or save and set aside monies from your existing income.

You may have planned for the future, but did you plan your structured settlement to accomodate your future needs? Buying a home is just one of the many tangible investments that you can use your payments towards.

If you want to discover the many ways an individual receiving a structured settlement, annuity, or lottery payment can break free from the limiting confines of smaller payments and get the advantage of having the cash you need and want now, call toll free today 1-866-865-7044.

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Flooding Crisis leaves 30,000 homeless and unprepared! Some families able to use structured settlement funds as aid in time of need.

Thursday, June 19th, 2008

Find out how you can use your settlement, annuity, or lottery payments to help you when you unexpectedly need it.

Selling your structured settlement payments can help in times of need The devastation left behind in the wake of Iowa’s flooding is heartrending, and for thousands of Americans families, it means starting over and coping with huge financial burdens they were unprepared to face. What made the aftermath of the flooding even harder to deal with is the fact that not only did it affect familes and their homes; the flooding shut down many businesses and small companies that employed so many of those who lived there.

Federal aid will come, but it’s slow in its arrival. Emergency management services have scrambled to get together the volunteers and supplies needed to help those affected by the trauma they have endured. The need is great and the urgency is greater.

There are some stories that lend an air of hope for a few families. Relatives and friends have opened their doors and their hearts providing shleter, food, and an opportunity to rebuild for their loved ones. Insurance comanies have begun the process of evaluating their losses and the monies that they are going to be distributing on the claims for the policies they hold.

Emergency aid is also coming from some more unusual sources. Individuals who are receiving payments from lottery winnngs or annuity and structured settlement payments, are able to get cash advances that can be put to immediate use. Companies that purchase future payments for a cash lump sum like Woodbridge Investments, will provide anywhere from 1K to 10K dollars instantly. It’s not near enough to rebuild the damaged lives affected, but it’s a start in the right direction. These monies are not interest-bearing loans, and do not need to be paid back.

Major natural disasters like the flooding in Iowa and others nationwide are an example of how you can never be too prepared.

No one can plan or prepare for something like this. One thing you can do, is try to make sure that in the event of an emergency, you make yourself aware of any and all possible resources you may have at your disposal to help get you through it.

If you are the recipient of a lottery, annuity, or structured settlement, you have options that many others do not. It is your money.

More and more Americans learn every day that congress has protected their right to sell their future payments to get the cash they want or need now. You can sell some or all of your payments depending on your unique and idividual goals. You don’t have to wait months or years. Start by finding out how you can make future payments work for you today!

Call toll free today 1-866-865-7044 and learn out how you can get the money you need for both the expected and the unexpected.

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Higher Prices, Shrinking Products! Keep your Annuity & Structured Settlement Money from disappearing too.

Friday, June 13th, 2008

It’s not just gas you are paying more for these days. Try ice cream, mayonnaise, and Frito Lay’s.

While many manufacturer’s have raised the cost of their products to offset increased cost of production driven by record high oil and gas prices, some are trying a less obvious but none the less noticeable route. Shrinking the standard packaging sizes of their goods in lieu of raisng the price.

Commodity and packaging costs are way up. The bureau of Labor Statistics reports that corn costs rose 69.5% from a year ago, and wheat prices up an incredible 96.9% from last April.

What does this mean to the average household? It means you will still pay the same price for a 1.5 quart tub of Breyers as you used to for a 1.75 quart conatiner.

The American dollar just isn’t going to fill the grocery cart like it used to.

sell structured settlements to woodbridge investments! Individuals receiving payments from Annuities, Personal Injury, and Structured Settlements are feeling the crunch too. As time goes by, the value of their future payments diminishes drastically. Let’s face it: even a somewhat average monthly payment of $400-$500 USD is barely enough to cover the cost of filling up the gas tank of a truck or SUV. Imagine how much less that monthly payment is going to buy in the very near future.

Thousands of people who decided to chose a fixed monthly, quarterly, or even yearly payment instead of a cash lump sum, are redirecting their train of thought and realizing it may have been better to opt for a one time lump sum payment that they could use now.

Paying for things like tuition, debt, medical and other unforeseen expenses that are holding them back from getting ahead are all together an increasingly familiar centiment echoed by many.

“Would have…”

“Should have…”

“Could have…”

These words do not have to belong to you. With professional guidance and sound financial advice you can use your money from an annuity or settlement to better serve you in the coming years.

Settlement and annuity payments are structured to include a pre determined dollar amount spread out over a determined period and a portion of interest that you are receving in exchange for agreeing to receive your money in increments over time versus all at once.

The fastest and easiest way to find out how much your payments are worth is to start by getting quotes or appraisals from companies that specialize in buying structured settlements, annuities, lottery winnings and personal injury payments. Most if not all of these companies can give you a very close figure based on three very simple factors.

The three things you need to tell a settlement purchasing company when obtaining a quote are:

How much are your payments?
How often do you receive your payments?
How many payments do you have left?

You can decide how many payments you want to sell. Sell a portion or all of your future payments. You are in complete control and should never be made to feel obligated or pressured. Remember, this is your money!

The number of payments you sell is going to be determined by their value. Once you have evaluated your needs, goals, and financial situation, calculate approximately how much money it is that you will need.

Keep in mind that when you sell annuity or settlement payments, the further out the payments are that you sell the lesser value they carry. The reason has to do with inflation, interest, and the time value of money.

Once you have agreed to sell your payments, a court will review the trasaction to make sure that it will be in your best interest. Depending on which state you live in and which state your case was settled, your money could be wired directly to you in as little as 90 days.

To find out more, or to get a free no obligation quote today call 1-866-865-7044 toll free.

“A dollar today is worth more than a dollar tomorrow.”

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Cash Out Structured Settlements and more
Free Advice Center

Facing Financial Hardship?

Learn How Your Structured Settlement, Or 401K Can Help You!

Current Credit Crisis Creates Increased Sales of Structured Settlements, Annuities, and Lottery Payments.

AIG receives two-year loan to float insurance giant; Woodbrige buys long term payments from individuals.

AIG receives two-year loan to float insurance giant;Woodbridge Investments Buys Long Term Payments From Individuals.

Woodbridge Investments, a structured settlement and annuity factoring company is helping people all over get their cash now from long term and future payments they are receiving from flailing insurance giant AIG.

Structured Settlements and Annuities: How you can turn your payments into a new home

Get a large lump sum now for your future payments from structured settlements, annuities, or lottery winnings. Use your lump sum as a down payment on a new home purchase, or renovate and upgrade your existing home.

How do you find out how much your payments are worth?

What do you need to get an appraisal or quote?

Are all your payments worth the same amount of money?

How does a company determine how much my payments are worth?