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Flexibility of Selling Annuity Payments

Thursday, February 18th, 2010

Making the Most of Selling Annuity Payments

To make the most of the lump sum payment you get from selling annuity payments, you have to look up market prices by using various annuity trading websites. You also need to know that unlike highly liquid stocks, annuity trades take time to be completed and you may not get an immediate cash payout.

The usual time it takes to sell annuity is around a month and a half. If you have a very pressing need for cash, then selling annuity payments may not be fast enough cash for you.

Sell Annuity Payments – the Option to Sell Annuity Just Portions

Annuities come with many different deferred payment plans so buyers can choose the payment type that best suits their specific financial needs. However, buyers sometimes choose unwisely and wish they can change their minds.

Instead of selling annuity payments in their entirety, these people have the option to sell just portions of their payments and retain future payments for security’s sake.

Selling Annuities is Better Than Getting a Loan

The option to sell annuity payments is what makes annuities a significant investment tool for retirees. In case of financial emergencies, they can still cash out their annuity to cover such expenses.

Unlike taking a personal loan, selling annuity does not involve problems involving interest and security. The lump sum cash gained through selling annuity payments can be used for almost anything from paying for a child’s tuition to helping a family member who’s in debt.

When people need money in times of financial difficulty, they usually think of applying for loans and forget that they can sell their annuities and insurance policies.

These have gain value because of regular payments and interest compounding. It is only fairly recently that people are starting to become aware of the possibility of selling annuity payments for a lump sum.

Watch out for Slimy Annuity Payment Buyers

Keep in mind though that when you invest in annuity, it is with the intent to secure your financial future via a stable income stream. When you are presented the opportunity to make higher returns but need more capital to be able to do so, cashing out your annuity by selling the payments is a very viable option.

Before committing to any one buyer, be sure to perform a background check. There are too many fraudulent annuity payment buyers out there for you to take such a transaction lightly.

If you are uncertain if the offer is worth your annuity, consult a financial expert. They will calculate a reasonable market price for your annuity and help you avoid selling to dubious buyers.

Filed in Woodbridge Investments LLC, Articles, Annuity Payments | Permalink | Comments (0)


Things to Do Before Selling Annuity Payments for Cash.

Tuesday, February 16th, 2010

Get tax advice before looking for someone who will buy annuity payments.

Consequences from the tax perspective of selling your annuities can differ from case to case. Initial advice is not just recommended but should be a must.

Decide how much of your payments you really need to sell.

How Much to Sell: Decide how much of your payments you really need to sell. The secondary market of annuities and structured settlements are flexible, and you should always remember that. You do not have to sell all your annuity payments if you do not need that much money. Calculate your needs before taking any actions.

Before you sell annuity payments for cash, make sure you’ve contacted more than a few reputable buyers.

Before you sell annuity, start with your insurer. Try to get the first quote from them. Then use it as a benchmark for other offers. Pick a few reputable annuity buyers and ask them for a quote. It should be free; therefore the only reason for getting just one quote can be only lack of time to look for better offers.

Filed in Woodbridge Investments LLC, Articles, Annuity Payments | Permalink | Comments (0)


Selling Annuity Payments to Secure Financial Future

Thursday, January 7th, 2010

Selling Annuity Payments Should Be Done Only after Careful Financial Planning

Many Americans sell annuity payments every year, but what can each of them do to secure their financial future? The answer is simple: plan ahead for future expenses both foreseen and unexpected.

People sell annuity payments for many reasons and many of those reasons involve financial situations such as debt. When these people receive a lump sum of cash for selling structured settlement payments, they ought to plan ahead to secure their future lest they find themselves in yet another financial bind some years later.

Should they once more get into serious debt, they may have to sell annuity payments for cash again – whatever’s left of them. But if they don’t have any left, they may have no other choice but to file bankruptcy.

Sell Annuity Payments to Solve Current Problems and Prevent Future Ones

The main purpose of selling structured settlement payments is to get rid of or solve the annuitants’ immediate financial problems. But these people should also know that this is not the sole purpose.

The lump sum should also be invested in such a way to prevent these problems from happening again. Selling annuity payments should only be done after careful planning. After all, they provide reliable income that may be put to waste should they be sold without due consideration.

Filed in Woodbridge Investments LLC, Articles, Annuity Payments | Permalink | Comments (0)


Flexibility of Selling Annuity Payments

Monday, November 23rd, 2009

Making the Most of Selling Annuity Payments

To make the most of the lump sum payment you get from selling annuity payments, you have to look up market prices by using various annuity trading websites. You also need to know that unlike highly liquid stocks, annuity trades take time to be completed and you may not get an immediate cash payout. The usual time it takes to sell annuity is around a month and a half. If you have a very pressing need for cash, then selling annuity payments may not be fast enough cash for you.

Selling Annuity Payments – the Option to Sell Just Portions

Annuities come with many different deferred payment plans so buyers can choose the payment type that best suits their specific financial needs. However, buyers sometimes choose unwisely and wish they can change their minds. Instead of selling annuity payments in their entirety, these people have the option to sell just portions of their payments and retain future payments for security’s sake.

Selling Annuities is Better Than Getting a Loan

The option to sell annuity payments is what makes annuities a significant investment tool for retirees. In case of financial emergencies, they can still cash out their annuity to cover such expenses. Unlike taking a personal loan, selling annuity does not involve problems involving interest and security. The lump sum cash gained through selling annuity payments can be used for almost anything from paying for a child’s tuition to helping a family member who’s in debt.

When people need money in times of financial difficulty, they usually think of applying for loans and forget that they can sell their annuities and insurance policies. These have gain value because of regular payments and interest compounding. It is only fairly recently that people are starting to become aware of the possibility of selling annuity payments for a lump sum.

Watch out for Slimy Annuity Payment Buyers

Keep in mind though that when you invest in annuity, it is with the intent to secure your financial future via a stable income stream. When you are presented the opportunity to make higher returns but need more capital to be able to do so, cashing out your annuity by selling the payments is a very viable option. Before committing to any one buyer, be sure to perform a background check. There are too many fraudulent annuity payment buyers out there for you to take such a transaction lightly. If you are uncertain if the offer is worth your annuity, consult a financial expert. They will calculate a reasonable market price for your annuity and help you avoid selling to dubious buyers.

Filed in Woodbridge Investments LLC, Articles, Annuity Payments | Permalink | Comments (0)


Selling Annuities: How to Spot a Good Deal

Friday, October 16th, 2009

Sell Annuities To Get Immediate Lump Sum Cash

The primary reason someone opts to sell annuities is to get a lump sum of cash for immediate spending. If you are thinking of selling an annuity, ask yourself how much of it are you willing to sell? Whether you sell all or just a fraction of it, you can be sure that you will receive considerable income from your sale. Planning and diversifying your investments are the best ways to increase your profits.

When selling an annuity, you may opt to find a reputed and reliable company to do the selling for you. Such large companies possess the resources and expertise needed to complete such transactions.

Sell Your Annuity Directly!

Another option is to sell annuities directly to the person who wants to procure it. Although this is not commonly exercised by annuity payment sellers, it will make you seem more trustworthy to the buyer because you are willing to deal with them personally.

Here are some issues you have to address
when looking for prospective annuity payment buyers:

•    Are the contact details and business information verifiable?
•    How long has it been since his business was established?
•    Does he own bonds or insurance policies?
•    What are the underwriting criteria?
•    What rating does he hold with the Better Business Bureau?
•    How many annuity plans does he buy every year?
•    Does he handle annuities similar to yours?
•    Does he have knowledge regarding your company and state laws?
•    What pricing will he put on your annuity?
•    Is he a principal or a broker?
•    Does he provide timelines for the process?
•    Is he connected to a large company?
•    Does he use several financial sources in the quote?
•    Does he handle business communications professionally?

These are but a few of the many questions you must answer before you sell annuities. The annuity sale process can take as long as 2 to 4 weeks. Although the long wait can feel inconvenient at times, you are sure to enjoy the inevitable satisfaction of receiving a large sum of money you can spend as you please.

Filed in Woodbridge Investments LLC, Articles, Annuity Payments | Permalink | Comments (0)


Sell Structured Settlements In This Economy

Monday, October 12th, 2009

Sell Your Structured Settlement
If Your facing Financial Hardship In This Economy

Structured settlements are financial agreements that allow compensation to be paid through an annuity in scheduled payments, for either a fixed period of time or for the life of the plaintiff. Since it is suitable for individual claimants, the structured settlement may also include an upfront payment to cover any contingency.

In many cases, a structured settlement is the best way to cater to a plaintiff’s needs. For example: catastrophic injuries and wrongful death lawsuits that include replacing the lost income of the deceased; Permanent or long term disabilities; and workers’ compensation cases.

However, there are some instances in which structured settlements are not suitable. An award for a minor injury sustained in an accident would probably not necessitate the use of a structured settlement. In situations where extended hospitalization or long term treatment is not needed, a lump sum award may be sufficient to provide for the needs of the damaged party.

Why Many People Choose To Sell Structured Settlement Payments

Once a structured settlement agreement is reached, the terms are fixed, and there is no allowance made for unexpected financial emergencies. This is why many people choose to sell structured settlement payments for cash. Life situations change and people may want to buy a new home, start a business, return to school or train for a new career. A lump sum of cash offers more flexibility and greater control over the money than a structured settlement.

Perhaps the most persuasive argument for selling structured settlement payments is inflation. In an economy where the value of the dollar decreases over the passage of time, it may be wiser to get the lump sum now before inflation erodes the value of a settlement. A lump sum of cash properly invested today could be worth more than the future value of a structured settlement.

You Can Choose All or A Fraction
When Selling Structured Settlement Payments!

When selling your structured settlement payments, you can choose to cash in all or just a fraction of your future payments. This option offers immediate cash without having to sacrifice the long term security of a structured settlement. If you decide to sell structured settlements, make sure to sell the amount necessary to meet your financial need.

Lastly, carefully choose a buyer that gives the most cash for structured settlement payments, a buyer who has been in business for at least several years. Check out potential buyers with the Better Business Bureau, and do some research to determine if past customers have been pleased with the company’s services. By doing your research now, you ensure that you will not come to regret selling your structured settlement later.

Filed in Woodbridge Investments LLC, Articles, Sell Personal Injury Settlements, Cash Structured Settlements, Buyer of Structured Settlement Payment | Permalink | Comments (0)


Structured Settlement Factoring versus Structured Settlement Creation

Thursday, September 17th, 2009

Structured Settlement Factoring versus Structured Settlement

Ever wonder why settlement brokers and settlement factors seem to dislike each other?
A settlement broker’s work involves structuring a large settlement to be paid over time via annuity to their client. What a settlement factor does is the reverse: if the client needs a large sum of money for an emergency, a factor helps convert part or all of the structured settlement into a lump sum.

 Some Possible Reasons of Conflict between Structured Settlement Creationists and Factors

At first glance it seems that creationists and factors have more or less the same goal of helping clients receive their settlement. So what’s the source of the conflict? Here are a few possibilities:

•    Settlement creationists take it personally when their work is replaced by factoring. After all, how would you like it if someone undid the job you worked so hard on?

•    Settlement creationist thinks factors charge too much and thus make more money.

•    Settlement factors dominate the search engine results for “structured settlement.”

•    Settlement factors benefit from the work of structured settlement consultants whereas settlement creationists do not.

•    Settlement brokers have been around longer and have more certifications, accreditation and titles. Maybe they feel superior to factors.

Similarities between Structured Settlement Factors and Creationists

For every difference between the two groups, there also exists a similarity. Both settlement creationists and settlement factors:

•    work for profit,

•    follow state and federal guidelines,

•    provide a service associated with structured settlement,

•    and have associates with high integrity and others with less integrity…

The reality is that though both businesses may not get along, they provide services that help people in their financial need. It’s not important that they agree or like each other, but they must never let those feelings compromise professionalism.

Filed in Woodbridge Investments LLC, Articles, Sell Structured Settlement Payments, Buyer of Structured Settlement Payment, Structured Settlements | Permalink | Comments (1)


The Pros and Cons of Selling a Structured Settlement for a Lump Sum

Monday, September 14th, 2009

The sale of a structured settlements has its advantages and disadvantages.

The option to sell structured settlements for cash must not be taken lightly. These periodic payments could be funds you have become dependent on to some extent, and selling will stop those payments. But if you need a large amount of cash to fund an investment that will change your life for the better, selling all or part of your structured settlement may be more useful to you than hanging on to the periodic payments.

So before selling a structured settlement, weigh the transaction’s pros against its cons first to make sure that what you’re losing is expendable when compared to what you’re gaining.

ADVANTAGES:

•    Liquidity. A structured settlement limits the liquidity of the settlement money that you are entitled to, whereas cashing in a portion or all of a structured settlement frees that money for immediate use.

•    Value. You can capture the current value of the money that you’re owed. Because structured settlement payments are equal each month, the effects of inflation decrease the real value of your money over time.

•    You don’t have to wait for credit approval. Although you may need to validate your reasoning for cashing a structured settlement, you can’t be denied your settlement because of a bad reference or credit history.

•    Relatively quick payment. Compared to applying for a loan, structured settlement factoring is a faster way to get cash, taking as little as three weeks.

DISADVANTAGES:

•    Structured settlements and annuities are sold at a discount, which means that the lump sum you get through the sale is less than what you would have received had you continued to accept periodic payments.

•    Low regulatory involvement. Structured settlement buyers belong to an industry that is currently unregulated. Unscrupulous companies and individuals exploit this fact by engaging in unethical business practices.

•    Taxes. You’ll be charged an excise tax that can be as high as 40% if you choose to cash a settlement for an invalid reason. You will also incur liability for state and federal taxes on your lump sum.

•    Legal aspects. Structured settlement factoring is a long process that has exhausted many people who have tried it. There is a lot of red tape to pass through before the money will be seen, and some settlements legally cannot be sold.

Filed in Woodbridge Investments LLC, Articles, Sell Structured Settlement Payments, Buyer of Structured Settlement Payment | Permalink | Comments (0)


Using a Pre-Structured Settlement Loan As an Investment Tool

Thursday, August 27th, 2009

How You Can Use a Pre-Structured Settlement Loan As an Investment Tool

injury lawsuit may take such a long time to settle, plaintiffs with plans to invest might want to apply for a pre-structured settlement loan before investment opportunities pass them by

A Pre-Structured Settlement is Not Only For Hardships

Plaintiffs often think that a pre-structured settlement loan is only for those who are facing financial hardships; they are mistaken. It is possible for any plaintiff to use a lawsuit loan during his pending lawsuit as an investment tool. The plaintiff can use the money in various ways; however, like all other types of investment, there are risks involved. The plaintiff has the benefit of not being required to pay back the settlement loan in the even that he loses his lawsuit. So, even if he loses both his case and his investment, he would still break even in the end. However, if the plaintiff wins his case but loses his investment, he is out the original investment amount. With so much at stake, plaintiffs must understand all the risks before applying for a lawsuit settlement loan, as an investment.

Cash from The Settlement Can Be Invested in Whatever You Desire

The cash from a lawsuit settlement loan can be invested in any endeavor the plaintiff can think of. During the 2008-2009 housing market collapse, houses cost 30-40% less than they used to in 2006. Some plaintiffs took advantage of this and purchased homes, putting a large down payment or even pay in full. Since a lawsuit could take years to settle, by the time the plaintiff actually receives the money from his settlement, housing prices might have started to rise again making the plaintiff wish had applied for the loan when the opportunity presented itself. While housing prices are still low, plaintiffs planning to buy a house might want to take the calculated risk of getting a pre-structured settlement loan.Plaintiffs have also begun using settlement loans to get into the stock market. Of course, there is always the risk of losing money, however if they turn a profit, not only do plaintiffs recover their original investment, they can even cover the interest and fees attached to their settlement loan and have some money left over. This maneuver though may be best left to those who have a firm grasp on the stock market.

Start a Business with Your Cash

Plaintiffs can also use a lawsuit settlement loan to start a new business, it’s an excellent way to get the start-up cash they would need and prevent them from having to find investors or take out a traditional loan; remember, the money from a settlement loan is yours and you’re not actually borrowing money, you’re just getting your money advanced to you via a settlement loan in return for interest on the advanced amount.

Filed in Woodbridge Investments LLC, lump sum payments, Articles, Sell Structured Settlement Payments, Cash Structured Settlements | Permalink | Comments (0)


The Good and Bad Of Selling a Structured Settlement For a Lump Sum

Friday, August 21st, 2009

 Structured Settlements for a Lump Sum; The Pro’s and Con’s

The option to sell structured settlements for cash must not be taken lightly. These periodic payments could be funds you have become dependent on to some extent, and selling will stop those payments. But if you need a large amount of cash to fund an investment that will change your life for the better, selling all or part of your structured settlement may be more useful to you than hanging on to the periodic payments.

So before selling a structured settlement, weigh the transaction’s pros against its cons first to make sure that what you’re losing is expendable when compared to what you’re gaining.

Pros:

•    Liquidity. A structured settlement limits the liquidity of the settlement money that you are entitled to, whereas cashing in a portion or all of a structured settlement frees that money for immediate use.

•    Value. You can capture the current value of the money that you’re owed. Because structured settlement payments are equal each month, the effects of inflation decrease the real value of your money over time.

•    You don’t have to wait for credit approval. Although you may need to validate your reasoning for cashing a structured settlement, you can’t be denied your settlement because of a bad reference or credit history.

•    Relatively quick payment. Compared to applying for a loan, structured settlement factoring is a faster way to get cash, taking as little as three weeks.

Cons:

•    Structured settlements and annuities are sold at a discount, which means that the lump sum you get through the sale is less than what you would have received had you continued to accept periodic payments.

•    Low regulatory involvement. Structured settlement buyers belong to an industry that is currently unregulated. Unscrupulous companies and individuals exploit this fact by engaging in unethical business practices.

•    Taxes. You’ll be charged an excise tax that can be as high as 40% if you choose to cash a settlement for an invalid reason. You will also incur liability for state and federal taxes on your lump sum.

•    Legal aspects. Structured settlement factoring is a long process that has exhausted many people who have tried it. There is a lot of red tape to pass through before the money will be seen, and some settlements legally cannot be sold.

Filed in lump sum payments, Woodbridge Investments LLC, Articles, Sell Structured Settlement Payments, Cash Structured Settlements, Buyer of Structured Settlement Payment | Permalink | Comments (0)