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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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Will your annuity or structured settlement payments hold up against rising economic pressure?

Tuesday, May 13th, 2008

Families and individuals who rely on a fixed or supplemental income from annuity and settlement payments are among the hardest hit by record high gas prices, and increased cost of consumer goods.

sell annuity payments Latoya Pearson has been able to just barely get by the last few years since she started collecting her annuity payments.

“I used to be able to get groceries, and pay my bills with just a little left over every month as long as I stuck to my budget.” she says. “But now, I am afraid that I may have to sell my home to avoid losing it. Everything costs more, gas, milk, food, and electricity. Finding a part time job where I am here in Ohio is almost impossible. Without an extra income I won’t be able to keep up with my bills.”

Latoya’s story is growing more and more common. American families are being forced to seek alternative and creative ways to make their dollar go the extra mile, literally.

An article recently published by USA Today reflected that 60% of the population has cut back significantly on household spending and 84% consolidating errands or taking other steps to cut back on daily driving.

Financial experts and retirement planners who once encouraged annuities are steering their clients to more flexible investment options that would provide residual and growing income.

“You just can’t say for sure what amount of money will get how far anymore.” says Robert Meeler a financial planner with over 36 years experience.

Inflation eats away at every dollar with every year that passes. Unable to predict just how the future market will behave is not only just a guess, it is a calculated equation that even most economic researchers and developers are reluctant to speculate on.

Structured settlement and annuity payments are determined amounts of money that are paid over a specified period. Typically, these payments reflect a modest assumption of inflation and increased cost of living. Once the settlement or annuity contract is in place, it cannot be altered. All provisions for future incidentals and such are required to be in place before a settlement or annuity is put into place and actively paying out.

Scott Shwartz, of Woodbridge Investments, a factoring company that specializes in the purchasing of structured settlements, lottery, injury, and annuity payments stated,

“We have seen an overwhelming amount of families, and individuals that are facing an immediate financial needs crisis.”

The idea of living from one paycheck to another is a distinct reality for so many American families. It’s not just a hot topic for debate amongst rivaling politicians, it’s a way of life for thousands more struggling to carve out their own little piece of the American dream.

With fuel prices skyrocketing, and the cost of living increasing faster than minimum wage ever could, families feel the squeeze early on, and it can be effectively debilitating for too many. Loss of wages, insurmountable debt, and unforeseen expenses all contribute to the foreclosure epidemic we see today.

Mr. Shwartz also notes,

“We have helped thousands of individuals get back on track by providing them a large lump sum of cash when they chose to exercise their legal right to sell all or some of their future payments from annuities, lottery winnings, or a structured settlement.”

Companies such as Woodbridge, Peachtree, and JG Wentworth are notably the leader in the settlement purchasing industry. They will purchase all or some of your future payments at a discounted rate, giving families the money they need now to prevent and come back from financial strains.

The amount of the lump sum you receive is typically less than the total amount of the future payments. This is because a portion of your future payments include interest that you have not earned yet. The calculated interest and any legal fees or costs associated with the transaction are factored out of the total amount of the value of the payments and what is remaining is your lump sum total.

You can get a pretty good idea of what your future payments are worth by contacting a company that specializes in buying settlement, annuity, and lottery payments. Your quote also known as an appraisal, is easy to obtain. Simply contact the company and let them know how much your payments are, how many you have, and how often you receive them.

There should be no charge for this quote so be wary if you are asked to sign for or pay anything for your initial appraisal.

In most cases, and depending on which state your case was settled, you can receive your money in as little as 90 days. Get as many quotes for your future payments as possible. Many companies will guarantee to beat any other written offer, making sure you are getting the largest amount of money possible for your payments.

If you have decided that you would like to sell your payments for a large lump sum now, and would like more information on the various options and programs available to you call 1-866-865-7044 TOLL FREE TODAY!

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Resources that could save your home from foreclosure.

Thursday, April 3rd, 2008

There are many resources you may not know you have–such as a 401K, Structured Settlement, Annuity, or Life insurance policy–that could save your home from foreclosure.

Foreclosure rates and statisitcs are scary, especially when you are a homeowner who is living paychack to paycheck.

1 out of every 200 homes will be foreclosed upon. For a city like Washington D.C., that translates to 3,000 Washingtonians losing their homes to foreclosure each year.
Every three months, 250,000 new families enter into foreclosure each year.
One child in every classroom in America is at risk of losing his/her home because their parents are unable to pay their mortgage.

Source: Mortage Bankers Association

Too many Americans do not realize the possible resources they may have at their disposal that could possibly save their home from foreclosure. Woodbridge Investments is here to help you understand how liquid assets are among some of the most powerful and yet unknown ways to use your money when you need it most.

Some of these resources include but are not limited to:

401K

You may be eligible for a “hardship withdrawal,” for those unexpected circumstances when you may need your money before retirement. According to IRS safe harbor regulations, your “hardship” must represent an “immediate and heavy financial need” and is necessary to satisfy the financial need. Also, there must not be “any other resources that are reasonably available,” to you to handle that financial need. The IRS has deemed the following four distribution reasons as representing an immediate and heavy financial need:

Certain medical expenses for you, your spouse or your dependents
Purchase of a primary residence (excluding mortgage payment)
Payments of certain post-secondary education expenses for the next year for you, your spouse or your dependents
To prevent eviction from or foreclosure on your primary home

Please be advised that if you take a hardship withdrawal from the plan following “safe harbor” rules, you may be suspended from making contributions to the plan for a minimum of six months. Some plans also allow hardship withdrawals for other reasons. Check with your benefits department. You will need to show your employer proof of how you intend to use the money, and proof that the amount you requested isn’t more than enough to satisfy your need.

Whole Life Insurance policy

With level premiums and the accumulation of cash values, whole life insurance can provide money later on to help with temporary needs or emergencies.

Unlike term life insurance, money you pay into your whole life policy accumulates as guaranteed cash values. If you choose to surrender the policy, these guaranteed cash values would be available to you. Or, as long as the policy is in force, you may borrow against them as a policy loan at the current policy loan interest rate.

Your guaranteed cash value depends on the kind of whole life policy you have, its size and how long you have had it. The growth in cash values is tax deferred under current federal income tax law. Borrowed amounts reduce the death benefit and cash surrender value.

Structured Settlement

Structured settlements can be inflexible and often are inadequate to deal with immediate financial needs or unplanned emergencies. United States Congress and most state governments have agreed that settlement victims have the right to sell their structured insurance settlement and receive money from insurance settlement in the way they see fit. Court approval is usually required to protect the beneficiary from an inappropriate sale and also to verify that the sale is in the victim’s best interest.

Selling your structured settlement or annuity for a lump sum can provide you with the cash you need now to save your home from foreclosure, and help you get back on track. It is your money, therefore it is not a loan that must be repaid. You can choose to sell all or some of your future payments. You can sell payments from a structured settlement even if you have sold previous payments, providing there are some remaining.

The size of your lump sum payment is partially determined by which payments you sell and the number of payments you sell. To find out how large a lump sum you may be entitled to you will need to obtaina quote from a company that will buy your structured settlement payments.

If you are looking to sell your structured settlement payments, or to find out how much cash your payments are worth, call Woodbridge Investments toll free 1-866-865-7044

You can also visit us on the web at www.woodbridgeinvestments.com and get a free appraisal online.

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Need cash now? Sell your settlement, annuity, or lottery payments and get the largest lump sum guaranteed!

Monday, January 21st, 2008

Sell your settlement, annuity, or lottery payments and get the largest lump sum guaranteed!

It’s your money why wait for it? Don’t wait for small restricitive payments when you can get a large lump sum now. Even if your are near or outside the guaranteed period, Woodbridge Investments can get you the most for your money.

Woodbridge Invesmtents guarantees the highest price paid for your payments.

Get your free quote today!

Call toll free 1-866-865-7044 or click http://www.woodbridgeinvestments.com/quote_form.php

There is no obligation, and in just moments you can find out how much your future payments are worth today!

In most cases you only need to provide three basic pieces of information:

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

Sell all or some of your payments without headache or hassle. It only takes a few minutes to see how large a lump sum you can get now for your future payments. Many individuals can receive their money in as little as 30 days!

Woodbridge Investments and its predecessor companies has been helping Americans nationwide since 1993 get the most for their paymnets. And with the NEW “out of guarantee” program , you can sell payments from a structured settlement or lottery winning even if you are outside the guarantee period.

Don’t let time eat away at the dollar value of your money. Your payments decrease in value every year!

Put your money to work for you today! Yuu can use your money for things like

New home purchase
Upgrade existing home
College tuition
Medical and other unforseen expenses
Dream Vacation
Re-investment

You are in control of your financial future and no one knows your golas and needs better than you!

Life is full of risks, don’t risk losing precious dollars by waiting, call today, and let the courteous and knowlegeable professionals at Woodbridge cater a solution for you! Call 1-866-865-7044 Toll Free today!

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Cash Advance For Your Settlement Payments

Tuesday, December 4th, 2007

You can get a cash advance on a lump sum of money for your settlement.

When you have decided to sell your settlement payments, you will typically need to wait 30-90 days to receive your lump sum payment.

Although you are about to receive a lump sum for your payments, you may find that unexpected bills or a family emergency can produce a need for immediate cash now.

You can find out how soon a cash advance is available by first getting a quote. After you have received your quote, you have signed a contract, and your payments are verified, you can usually expect to obtain your cash advance in as little as 10 days!

Woodbridge Investments can get you the most for your money, and get you the cash advance that you need. Call 1-866-865-7044 toll free today.

You can also get a quote immediately online by visiting http://www.woodbridgeinvestments.com/quote_form.php

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Why wait for years for your money?

Friday, October 5th, 2007

Just because you have received a structured settlement for your lawsuit or insurance claim, it does not mean you have to wait years to get the money you have coming to you. There are several settlement purchasing companies that will give you cash for your structured settlement.

Companies like Woodbridge Investments or JG Wentworth can pay cash for your entire structured settlement or purchase your remaining settlement payments. You can spend this lump sum payment on what you need such as a house, college tuition, business investments or debts.

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If you meet the following simple criteria you’re on your way to getting the cash you need and being in control.

Wednesday, October 3rd, 2007

Have you already won your lawsuit in court, or are you receiving an annuity?
Are you currently receiving your payments over a long period of time from an insurance company?
Are ready for your money NOW?

Call Woodbridge Investments for your FREE consultation! 1-866-865-7044

Instead of waiting for payments over time, get the up-front cash you need now. It’s your money. Choose to be in control of your financial situation.Customized, Flexible, Personalized Options
Because everyone’s needs are different, every lump sum is customized to match your unique situation. You can convert all of your personal injury settlement payments into cash, or just a portion! It’s your choice! This means you can get your lump sum cash, and you can still receive your settlement check!

How ?
To find out how large of a lump sum you can get for your structured settlement, call us at 1-866-865-7044. There is no cost or obligation for you to learn more. The sooner you act, the sooner you can receive your settlement money. Or click here to fill out our simple form.

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Cash Now

Tuesday, October 2nd, 2007

At Woodbridge Investments we take pride in helping people obtain a large lump sum of cash now for their future payments from a Structured Settlement, Annuity, or Lottery winnings.

Are you locked into a schedule that provides payments over a lengthy period of time? That payment schedule was reasonable when you initially made the arrangement, but circumstances have changed, and they have forced you to accelerate the future payments and obtain a larger sum of cash now.

We understand that your needs have changed. It may be to buy a new home or car, pay unexpected doctor or hospital expenses, start a new business, or pay off burdensome debt.

Whatever your needs are, Woodbridge Investments can make it happen. Call the professionals at Woodbridge Investments today!

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Selling Structured Settlement Payments

Tuesday, October 2nd, 2007

Millions of Americans are injured in accidents each year. Often the injured opt out for compensation through a structured settlement. This type of settlement provides a stream of payments over many years.

While this option works well for some, many people find that they need a lump sum of cash in the near term to pay for things such as college tuition, a down payment for the purchase of a home, debt reduction, medical expenses, or perhaps to start a business.

There are many competitors out there: JG Wentworth, Novation Capital, and Peachtree Settlement Funding just to name a few, but we believe none of our competitors offer the quality of customer service as well as the best possible price for your payments as Woodbridge Investments.

Thousands of individuals contact us every month to inquire about selling some or all of their monthly payments for a lump sum. Woodbridge Investments’ team of experienced representatives will work with clients to customize options tailored to each individuals’ needs.

Woodbride Investments has extensive knowledge in the field of purchasing structured settlement payments from consumers.

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Tuesday, September 25th, 2007

If you win a person injury or medical malpractice case, you may find that you are receiving a small bit of money per month rather than receiving a lump sum of money. Judges try their best to accommodate injured people, but sometimes they fail to realize that the court process may have taken a long time, which allowed bills to accrue. When you have mountains of bills, you need to pay them off right away. One way to do that is to is to get cash for structured settlements.

There are a number of different companies that promise to take your settlement and give you back cash. Structured settlements, however, have certain federal restrictions, so before you decide to cash in your structured settlements, you need to make sure that you are doing so legally. One of the best ways to do that is to speak with a structured settlement firm.

These companies are able to evaluate your settlement in order to see if you can trade it in for cash. Structured settlements can be flexible, as long as things are done by the book. After all, the money that is due to you is your money. Why shouldn’t you have it paid to you in a way that is convenient to you, in cash? Structured settlements are meant to make your life easier, so if it makes your life easier to have a lump sum of cash, why not contact a structured settlement company?

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