Keep Your Structured Settlement Paperwork Safe Are you ready if disaster strikes? It’s not just a hypothetical question after a record year of natural disasters in the US — from a billion-dollar blizzard in the East to raging wildfires in the West. The lesson here is that there’s no way to predict when or [...]
The Time Value of Money When someone wins a court case that involves a significant monetary award, that money may be placed in a structured settlement (or annuity) to be paid out in installments over time. While it’s great to have a steady stream of income, it can be hard to wait for those [...]
Using Future Payments to Satisfy a Specific Need Now Would you rather receive more money or less money for something you own? The answer is easy, you would always prefer to get more.. But there are exceptions to most rules – including this one. Life changes or pressing financial needs may cause people to [...]
Structured Settlement Glossary – Key Terms Explained When you approach structured settlement companies about selling your settlement, your annuity payments or other type of payments, you will encounter some new terms. These phrases may sound like a foreign language to you, which is not surprising since many legal and financial terms have their roots [...]
Do You Need a Financial Adviser To Help Manage Your Lump Sum Payout? Here is a fact: very few people have any idea of how best to handle sudden, large sums of money. We’ve all have heard stories of how some lottery winners find that instead of their dreams coming true after they cash [...]
What Is An Annuity? The basic definition of an annuity describes a financial instrument or arrangement that provides regular, periodic payments. In the U.S., an annuity contract is often used to create a guaranteed income stream over a fixed period of time. Annuity payments may be made until a certain date or they may [...]
The “Discount Rate” Explained You’ve made up your mind to sell some or all of the payments from your structured settlement. Maybe you need the cash to help cover a home purchase or to pay off medical bills. Or perhaps there’s an investment opportunity you wish to pursue. Whatever the reason – you need [...]
Do You Need an Attorney to Complete the Sale of Your Structured Settlement? In most states the short answer to this question is simply “No”. However, some states mandate that anyone who intends to sell a structured settlement consult with a lawyer or a qualified financial advisor. Even if you live in one of [...]
Even with a sizable legal settlement, with the nature of the unique profit-driven medical care system in the U.S. and its ever increasing costs to patients, it is still possible for a plaintiff who has been severely injured in an accident or due to a defective product to wind up in bankruptcy court. In fact, [...]
This generally depends on the nature of the structured settlement. If it is initially set up to compensate the recipient for the duration of his or her natural life, then naturally these payments would end with the passing of the measuring life. Obviously, this is the preference of defendants in personal injury lawsuits, since their [...]
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