Saturday, June 30, 2007

Immediate Cash For Your Structured Settlement - How Do You Get It?

By Jamie Sherman

Many companies are now advertising that they will give you cash for your structured settlement. It sounds like a good idea to you but you want more information. This article will attempt to answer your questions.
You probably have clicked on this article because you have won a lawsuit and have been awarded a structured settlement. Many states now make this a mandatory part of settling big claims: the kind you receive after a major injury or death due to malpractice and workmen’s compensation lawsuits.
This kind of settlement breaks down your award into smaller payments received on a regular basis over a period of time; instead of, receiving one lump sum at the end of the trial. The point of this long term payment plan is to insure that you will have money in the future if you need it. But this isn’t always practical. Sometimes, due to default, it is possible that you will never receive your full award; or, you may need money now instead of later. Is there a solution?
Companies that offer cash for your structured settlement will give you the money you need now. Instead of receiving your structured settlement cash payments over a period of time, you will receive one lump sum payment in approximately 2-3 weeks. With this cash, you can invest in a high yielding investment instrument. You many choose to buy a house. Currently it is a buyer’s market. You have the opportunity of owning real estate at a bargain price. This opportunity may not be available down the road. Maybe your injury will permanently prevent you from returning to your old job.
You could use the lump sump payment to go back to school and be retrained for a new position. Many times when you have been out of work for a long time bills begin to stack up. If you have a lot of outstanding debt, a lump sum cash payment can be a life saver. Sometimes new medical or personal emergencies come up and you need cash now. All of these reasons are good reasons to find a buyer.
How do you find a buyer who will give you enough cash for your structured settlement? You can search online for companies that advertise that they buy these financial instruments. Make a list of well established companies. Contact them and ask them for a quote. When you talk with them, get a feel about how they do business. Do they answer all of your questions clearly? Check on options. It may be possible to sell only a portion of your settlement. When you are satisfied and have made your choice, make sure you have your contract reviewed by your attorney before signing it.
Is cash for your structured settlement the right choice for you? The answer is a resounding yes; if you need money to buy a home, invest in higher yielding instruments, have a personal or medical emergency or need to pay off debt. Find out how you can receive structured settlement cash today.
Jamie has been working in the finance industry for many years and is a contributing editor to Selling Mortgage Notes. Learn how to receive
structured settlement cash from professional note buyers on our site.

Advertising Structured Settlements for Sale

By Mayoor Patel

There are a number of companies that are happy to purchase structured settlements from persons who are unhappy with the terms of the settlement, including the way that the settlement is scheduled to be paid. But how does one go about finding these companies that are willing to buy structured settlements for sale? Here are some ways you can connect with these firms and arrange a deal that is mutually beneficial.
One of the first things you can do is advertise online. There area number of message boards that are set up to allow persons who are currently drawing settlement payments to interact with one another. By making it known that you are interested in selling your settlement, you will not doubt attract the attention of several firms who are happy to do just that. Check around on the Internet for message boards where you can make your intentions known and make sure there is some way that you can be reached by interested parties.
Of course, there is no reason why you have to wait for interested firms to come to you. While you are online, initiate a search or two and come up with the contact information for a few companies that buy structured settlements for sale. Read up on how they do business and run some checks to make sure they are legitimate and ethical. Once you are satisfied that a company is respectable, then contact them about your settlement and see what kind of an offer they can extend to you.
Keep in mind that companies that purchase structured settlements for sale do not do so out of the goodness of their hearts. They are in the business of making money. However, you may be able to find a company that will offer you a large enough lump sum that you feel comfortable selling your settlement to them. Just make sure the deal you make today will not leave you without resources that you will need later in life.
Mayoor Patel is the writer for the website http://www.structured-settlements.wares-are.us/. Please visit for information on all things concerned with Structured Settlements for Sale

Structured Life Settlements 101

By Natalie Aranda

The term structured life settlement is usually applied to a personal injury settlement of some type whereby an agreement has been reached to pay the settlement over an extended period of time rather than in a lump sum payment. The idea of life time settlements has grown more popular over the last few decades as research has shown that a very high percentage of people who receive large lump sum windfalls either as injury settlements or lottery winnings tend to have very little or any cash left after five years.
Another advantage of structured life settlements is that they usually are given tax breaks, and in some cases are even exempt from taxes altogether. Although they are called life settlements, some of them can be structured to extend for a certain time period regardless of the life span of the person receiving the settlement. The remaining payments would be made to a persons beneficiaries or his estate in case of his death. It is always advisable to have an attorney with experience in life settlements review the details to insure that the total payments are not considerable under the original reward amount. An attorney can also advise on the tax liabilities of any decision.
There are other forms of life settlements beside the structured life settlement for personal injury judgments. Large lottery winnings are an example. Most large lottery winnings may be taken in a lump sum or spread over a long period. Although most people opt for the lump sum payment, they often do not take into consideration the immense tax hit that the winnings will have to take. Often, the extended payment option is the wiser course.
Another form of life settlement has arisen around the life insurance industry. It originally began with the purchase of life insurance policies of seriously ill people. This came about when people who were diagnosed with fatal illness realized that they had no money to pay for treatments or to ease their remaining years. They did have large amounts of life insurance, but this money would not be theirs until they died, and did them no good. Investors would make life insurance settlements by paying cash to become the beneficiaries of the policy. Then the investor would wait until death took place and the cash the policy.
This form of life insurance settlement has also become popular for investors who are viewing people over 65 years old who do not care about heirs, and have inadequate retirement income. Investors make a settlement paying a lump sum value to become the beneficiary of the policy, and then just wait again for death to occur.
One sign of the popularity of structured life settlements is an increase in investing companies willing to buy out the settlements for lump sums of cash. A large sum of cash has always been a great temptation, and often people who wisely defer to the structured settlement find themselves regretting the decision and wishing another chance. The ultimate value of the structured life settlement approach is shown by the fact that serious investment firms are willing to purchase them for cash.
Natalie Aranda writes about health and personal finance. Another form of life settlements has arisen around the life insurance industry. It originally began with the purchase of life insurance policies of seriously ill people. This came about when people who were diagnosed with fatal illness realized that they had no money to pay for treatments or to ease their remaining years. They did have large amounts of life insurance, but this money would not be theirs until they died, and did them no good. Investors would make
life insurance settlement by paying cash to become the beneficiaries of the policy. Then the investor would wait until death took place and the cash the policy

Is a Structured Settlement Right for you?

By Bob Molton

If you had the misfortune of being involved in an accident of some type, a
Structured Settlement may be in your best interest. A structured settlement
can help you gain the financial security and protection for you and your family
over the years to come. The simple truth is, you don't know what kind of problems
can develop further down the road from the results of your injuries. This could
put you in a hard position if you weren't prepared.

There are several things to think about when it comes to structured settlements.
The first is the fact that you'll be compensated by installment payments over
the course of time, rather than receiving a large lump sum. This can be very
important in that, if you were to receive one large lump sum and didn't manage
your money wisely, you could put yourself into financial instability. If you develop
problems down the road from your prior injuries, it could be the beginning
of a finacial downward spiral. This could also put massive strain on your family and
possible do more harm than the injury itself.

Another thing to keep in mind is your structured settlement payments are 100%
tax-free. This could be another reason to consider this option.

However, the best option to choose will be different for everyone because of
each individual's unique situation. You see, it's very possible that the best
option for someone else, could be one large lump sum up front. This is actually
quite often the case, but you need to be very careful on how you handle the
sale of you structured settlement.

There are many companies out there that will buy your structured settlement and
pay you cash now, but you really need to do some exploring and find out
what's best for you in selling your structured settlement.

Choosing the right specialty finance company to work with is an important
decision, and many people do not know where to turn for advice. There
are great firms that are designed to help you get the most money for your structured
settlements and annuity payments. Many of these firms make this process very
easy for you by matching you with the best possible financial institution to
handle your settlement, and letting you decide how to proceed, putting the control
where it should be, in your hands.

For Details on Companies that Purchase Structured Settlements.
Bob Molton offers resources to help others get the crucial information needed to make correct decisions involving their structured settlement. If you're considering selling your structured settlement I urge you to learn more at
Structured Settlement Purchasing Companies Thank You, Bob Molton

Buyers Of Structured Settlements

By Swati Banerjee

You can invest your money in structured settlements or you can also offer the same to buyers of structured settlements as a kind of compensation for the damage suffered by an individual. If you want then you can sell a portion or the entire settlement in turn for a huge amount of money. On the other hand, you can also use the settlement for the purpose of cyclic payments.
Most of the time people sell such an investment when they face health related or legal emergencies. Thus, buyers should think of these entire issues prior to opting for a structured settlement. In case of a person suffering from injury, the settlement provided to him should be sufficient to pay for the medical expenditures and the everyday necessities of the family of the injured person. The situation should never arise where the sufferer would have to sell a portion or the entire settlement to cover these expenditures.
Prior to purchasing this investment, buyers should speak to structured settlement brokers as well as legal representatives. It is the main job of the broker to deal in these settlements and as such, the suggestion of a broker will be helpful. Buyers of structured settlements have to think carefully regarding the various offers offered in the market. They can get a lot of information regarding such offers from the broker. The broker can give buyers advice regarding the different deals offered and he will also tell them the deal, which will be great for any situation. Since the brokers assist in the sale of structured settlement, they are in the position to ask for maximum gain for buyers.
If buyers intend to buy the settlement as a kind of investment for periodical payments then they should look out for the best offer. If they purchase the settlement with the assistance of a broker then buyers of structured settlements will be able to cover all the required expenditures.
This kind of investment will suit the minors the best, as the buyers of structured settlements will be able to receive a huge sum of money when they reach the age of consent. Thus, the minors should purchase this kind of settlement
Swati Banerjee is the owner of Writing Ink, a web content management firm based out of India, that services clients from across the globe. Please take a minute to visit http://www.writing-ink.com to experience how the bright young minds here make magic with words!

Friday, June 29, 2007

What is Structured Settlement?

By Brian Dylan

Because it is tailor-made for individual cases, the structure may also include some immediate payment to cover special damages. The payment is usually made through purchase of an annuity from a Life Insurance Company. Subcontractor A trade contractor such as a roofer who usually subcontracts with a general contractor. Subrogation Once a company has paid a loss for which someone other than the policyholder is responsible, it may have the right to recover this loss.
A financial package permitting a settlement to be paid in regular installments either for a fixed period or for the lifetime of the claimant. Because it is tailor-made for individual cases, the structure may also include some immediate payment to cover special damages. The payment is usually made through purchase of an annuity from a Life Insurance Company.
If we can't help you find a buyer of structured settlement that will fit your needs, you won't be able to find anyone who will buy your structured settlement. We specialize in selling structured settlements and in helping other people sell structured settlement. A structured settlement sale isn't an easy process, so we've put together resources to help you with the process.
If you've been awarded deferred cash structured settlement payments and need to sell them it can be tough. A structured settlement is often best for an insurance company, but not necessarily for you.
You may need cash now to pay for medical bills or for family finances, instead of incremental payments over the next several years. We can help buy structured settlement payments and help you sell structured settlement payments.
Let us help you sell structured settlement payments today!
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