Do you no longer require consistent periodic payments and would rather receive a lump sum? If so, you may want to consider selling structured settlement payments.
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Do you no longer require consistent periodic payments and would rather receive a lump sum? If so, you may want to consider selling structured settlement payments.
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Although structured settlements offer a certain degree of flexibility during the decision making process, once you sign the agreement, you cannot alter the provisions. It is highly advisable to have an attorney and broker help you determine the best payment methods for your situation. Your broker can come up with various scenarios and payment schedules so you can take a good look at your options.
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Selling structured settlement payments give you immediate access to a large amount of cash that can be used for investments, payments, or large purchases. It is also an option for people who are retiring or for those who just don’t want to wait for small payments over a very long period of time. Whatever the reason, selling structured settlement payments to cash flow note buyers can provide you cash minus the headaches and hassles associated with banks and other lending institutions.
More and more Americans are opting to sell structured settlement payments instead of receiving monthly annuities. This is because they are beginning to realize that because of inflation money today is always worth more than money in the future. Furthermore, people prefer the certainty of having cash in hand.
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A structured settlement is an agreement where a defendant who loses a personal injury lawsuit has to pay the judgment to the plaintiff with fixed amounts of money over a span of time rather than a onetime lump sum. If the plaintiff chooses to do so, he or she can sell structured settlement payments to a third party in exchange for a lump sum. The typical procedure is as follows (details may vary according to state law):
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Many structured settlement brokers and companies are interested in buying all or parts of people’s structured settlement payments. There will always be recipients who change their minds and think they are better off selling structured settlement payments for a lump sum.
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On the 22nd of January, 2002, President George W. Bush signed into law a bill that protects those who want to sell structured settlement payments for liquid cash that can better address their financial needs.
Are you thinking of getting a lump sum by selling structured settlement payments? If you need immediate cash for a current purchase or investment, selling annuity payments may be a good financial move. It could help settle debts, pay for emergency medical expenses, purchase your dream home, or see your child through college.
90% of the time, selling structured settlement payments is not a good investment decision. In fact, selling structured settlements for cash should be the last option and, even then, the seller should have the knowledge and skill needed to manage his or her investment portfolio competently.
Studies reveal that about 68% of Americans use the Internet on a daily basis. This is more than twice the number recorded at the turn of the millennium. Over the next three to five years, it is expected that more and more people will log on to the Internet, continuing the trend observed in the last nine years. This technological revolution therefore has presented structured settlement companies an excellent opportunity to properly educate people who sell structured settlement payments for cash.
- The relationship among variables such as:
- Discount rates
- Present value
- Time value of money
- State and federal laws that affect structured settlement rights assignment
- Pricing – price calculation and rate guides
- The individual stages in the process of factoring transactions
- The unscrupulous tactics and sales practices they must avoid.
Continuing efforts should be concentrated on the above points in order to guide consumers into formulating the course of action that will allow them to get the best value for their structured settlements.