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5 Mistakes People Make When Selling Structured Settlements
Mistake One: Agreeing to sell to the highest bidder. Unfortunately, some brokers or structured settlement/annuity sources will make a high offer just to get someone under contract. Then they will start making excuses and reduce the offer. Once...

Debt Consolidation – Watch out for Payday Loans
Most any large city has a number of small shops offering payday loans. They’re often found in strip centers; sometimes they double as pawn shops. They have a simple business – they lend you money until your next paycheck. The system is pretty...

Growing Faster Than Your Cash Flow? Let Factoring Fund Your Next Expansion!
Why wait weeks or months to get paid by your clients when you can access your money in a matter of days by factoring your invoices. When a business factors their invoices, they are allowing a third party to purchase their invoices at a discount...

New Bankruptcy Law Will Not Protect You from Identity Theft
Recently passed by Congress with overwhelming support, the oddly-named Bankruptcy Abuse Prevention and Consumer Protection Act was designed to eliminate “bankruptcy of convenience.” The perceived problem is that many compulsive gamblers, shoppers...

Structured Settlements 101: How Structured Settlements Work
You have probably heard the term “Structured Settlement” on a television or print ad and wondered what it meant. After all, the term is not a part of our everyday lexicon. A structured settlement is a contract under which an insurance company...

Annuity Transfer - What are the Risks

Annuity Transfer - What are the Risks

Many people who know in the back of their minds that they got the possibility to transform a monthly payment or annuity long term payments into a big lump sum and by that to relieve some temporarily financial problems, or need to buy a new car or a house or help their children and so forth are tempted to exercise this process into action. Although it is a very natural feeling and sometimes even a real life need or deep inner quest for power and control, it is not in their best financial interest to say the least.

It is no wonder that the U.S federal laws encourage long term payments in both cases like Structured settlements and lottery winnings. There are many good reasons for that and I'm going to spell them out as clear as I can.

- In some countries around the world it is legal to pay for lottery winning in one lump sum. Experience shows many of these people lose most or all of their money in a few years Time, due to the following reasons:

- Ordinary people who get into their possession a very large sum of money don't really know how to manage their treasure or how to invest it wisely, they are not prepared for it and they are overwhelmed with a delusion of over abundance of wealth, they become totally careless on how and on what they spend their money.

- Even if they invest their money, they go to high risk speculative investments as they try to get high yields. Instead of going for a much solid and safer, "widows & orphans" type of investment portfolio. Neither do they go for the golden middle way in between of a mixed portfolio. They don't use investments advisers or financial consultants.

- They become over generous with their family and friends, they buy their children homes, cars or any other materialistic requests, they "lend " money to a friend in need...

- They listen to shrewd business people who talk them into investing into all

kinds of business adventures that seems to them very profitable but in a short while turn into total failures and the money is gone.

- All kind of addictive behaviors like betting horse races or going to play the roulette in the casino are now intensified with the feeling of power and wealth, it might drive the person to gamble high sums of money as if there is no tomorrow.

- Believe it or not but criminal elements might engage in putting pressure to extort monies from the overnight rich poor guy. They might threaten to harm his family etc'

- Charity institutions start to call all day and night asking for donations to a very noble causes, they even send some slick reps to convince him to donate money.

- His own children, some times his spouse becomes very greedy and exert emotional pressure to give them more and more money. In some cases the sudden riches literally ruined the families.

As I have shown you above, getting a large lump sum of money might be a risky thing, this is In addition to the fact that you are loosing a lot of money which was Tax free, that alone might be a difference of anywhere between 35% - 65% , add to it the profits of the fund who bought the annuity from you and you are loosing big time. It is not recommended for an injured or a disabled person, to transform the whole Structured Settlement long term payments into one big lump sum or you might find yourself one day without the money and facing high medical expenses and other bills you cannot afford.
About the Author

About Me Name:Amit Laufer Age: 46 Location:New York, United States MBA - International Trade & Finance - Heriot-Watt University. Bsc. Computers and Information Systems - Long Island University - C.W Post Campus. Hobby: Photography. Married with two Children.



National Structured Settlements Trade Association (NSSTA)
Provides structured settlements using periodic payments to resolve claims.
Structured Settlements
Setting up structured settlements for personal injury claims.
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Full-service plaintiff structured settlement firm since 1986, providing services and strategies for personal injury lawyers and clients during the ...
Structured Settlements | Annuity Purchasers
Structured Settlement Buyers. Purchasers specializing in structured settlements and lottery winnings. Site contains attorney, broker and investor ...
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EPS Structured Settlements Group: A Structured Settlements Company ...
EPS Settlements Group is located in Denver, Colorado and is a founder of the structured settlements industry.
Mckellar :: Structured Settlements
News. ... Skip Intro Always >>
The Structured Settlement - What You Need To Know
About two thirds of states have enacted laws which restict the sale of structured settlements, and tax-free structured settlements are also subject to ...
Settlement Capital Corporation - sell structured settlements,sell ...
Direct purchaser of structured settlements and other annuities.
John Hancock Insurance and Financial Services :: Explore Our ...
A structured settlements annuity provides injury victims or the victim's ... John Hancock Structured Settlements and Attorney Fee Annuities are just two ...
Structured Settlements - Prudential Financial
Your company may become liable to pay a settlement as the result of a legal proceeding. A Structured Settlement Annuity provides ongoing periodic payments ...
Finance - Structured-Settlements Ezine Articles allows ezine or email list publishers to upload or download free expert content that can be used within email newsletters or websites.
Understanding Structured Settlements: A Novice's Guide to the ...
Learn what a Structured Settlement is in plain English. Find Structured Settlements company, payments, broker, annuity and loan info.
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Structured Settlements allow income to be spread over time, which is safer ... Structured settlements are often ideal under the following circumstances: ...
Structured settlement - Wikipedia, the free encyclopedia
Structured settlements were first utilized in Canada and the United States ... Structured settlements are now part of the statutory tort law of several ...
Structured Settlement vs. Lump sum - What to do?
More and more claimants are choosing structured settlements. ... Most structured settlements come in the form of an annuity, which is sold by a third party, ...
Welcome to The Halpern Group, experts in structured settlements ...
Offers structured settlements, consulting and negotiation services to attorneys representing injured clients.
Structured Settlements Leader J.G. Wentworth, JG Wentworth ...
Structured Settlements Leader JG Wentworth, JG Wentworth Settlement Funding - More than 25000 individuals have come to JG Wentworth to finance their dreams ...
DOG BITE LAW - Structured Settlements
For those reasons, changes were made to the Internal Revenue Code that enable knowledgeable attorneys to create "structured settlements." ...
Structured Settlements Law – Lawyers, Attorneys & Free Legal ...
I am confused by the number of internet sites that plug offers of structured settlements, sale of structured settlement annuities, and attorneys who offer ...


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