Latest Posts

Friday, 17 December 2010

The Real Facts About structured settlement investments

Currently we still have a lot of companies, firms, and individuals that are still interested and want to purchase structured settlements as soon as the decisions have been made in your settlement has been finalized. It is obvious that many companies are waiting to purchase anything worth the investment in this world of money and finance. There will always be the guy on top waiting to cash in on any niche market.

But we must wonder why in the world do these companies strive to purchase a structured settlement? The answer to that question is also very clear, they are always in business to make the fast dollar. But they are not the only ones that will benefit from purchase structured settlements. Usually the seller of the settlement benefits more and the purchaser.

The situation is like so, there is a company that would like to purchase a structured settlement. They as the buyer will be the ones negotiating all of the terms to what benefits them the models since they are the ones with the money.

They also have some risks to be aware of in some cases, they don’t always get paid back all of their investment. This is just a quick example of some of the issues that a buyer and purchaser need to be aware and we advise that you do some research and find an adviser that can help you purchase structured settlements or sell your structured settlements.

What is your opinion about the structured settlement investment ? If you buy structured settlements, you will buy an investment instrument. Visit: purchase structured settlements

Many Reasons Why Do You Buy And Sell Structured Settlements

Why Do You Buy And Sell Structured Settlements

The tragedies suffered by victims of work site accidents or road accidents destroy a person both physically and financially. Coping with such tragedies and major life-altering events become even more stressful with medical bills and future financial uncertainty looming ahead. Compensation to victims today work more on structured settlements principle that divides the compensation into periodic installments that help with lifelong needs.

Structured settlement is a legal agreement whereby the defendant agrees to a payment of a fixed and regular amount to the victim as compensation. These installments can be worked to provide tax benefits unlike lump sum settlements, bank deposits or other investment. It is beneficial in cases where the victim needs medical therapies and check-ups that last years after the accident. Structured settlement enables the victim to meet his medical needs. This system allays the general fears of improper and unwise spending which normally occurs when a huge sum is received at one go.

While structured settlements have its benefits, many victims may prefer lump sum payments. However in such circumstances he can always trade his annuity. Selling and buying of structured settlements have several legal repercussions to them. Also different are the insurance company terms on these. Also consult with your insurance company before proceeding with sale as they too have their legal guidelines affecting such sale. Checking whether the law in your state permits it is the first step.

A structured settlement buyer must be sought only after good analysis of available offers. Most of the investment firms eagerly pursue settlement contracts. The attraction for the buyer is the continuous and legally guaranteed annuities whereas the seller is looking for a huge instant payout in these deals. The buying company’s history should be looked upon for avoiding pitfalls. There are many fraud companies which cheat you once the paper work is done and disappear from the scene. Always ensure a good attorney represents you who will be able to help you handle such transactions.

Purchasers of structured settlements also need to look out for invalid deals. It would be best if a court ruling establishes the transfer of rights to the buyer’s favor to prevent any unwanted disputes in the future. Whether you are buying your structured settlement or selling it to an investment company, proper vigilance and precautions are mandatory.

Are you looking for more information regarding Structured Settlement Investment ?

Visit today For Your advice on how to write Settlement Investment Demand Letter and learn more.

How to Get High ROI With The Structured Settlement Investment

Have you ever planned to get a high ROI with a structured settlement investment ?

The structured settlement investment means, that a buyer will buy a program or a plan, which gives him regular periodic income for a certain agreed time. The future profits from the structured settlement investment comes from 3 elements, the purchase price, the difference with the interest rate and the taxation.

1. The Seller Needs An Acceptance From The Court.

Originally most settlements are the results of the court decisions. They are paid as the compensations of the injuries with an idea to guarantee the financial future of the recipient. When the settlement investment is as a petition the court will investigate the needs of the seller. The court will also check the reputation of the buyer. No hidden costs are accepted.

2. The Need Of A Seller.

One important element of the profitability is the purchase price. If the seller is in a hurry and he honestly has an urgent need of the money, this can influence a lot on the selling price. A buyer can try to reduce the price by offering a cash payment.

3. The Phase Of The Economy.

If the financial situation of the seller has a big influence on the selling price, the general economic situation will also influence strongly on the prices. The settlement investment is a product, which gets the price on the market.

When the economy is in a recession, it will dramatically reduce the prices, because the future profit possibilities are lower. The buyer makes it wise, if he can wait for the correct time, because the purchase price is one of the strongest profit builder.

4. Where Are The Best Deals?

The settlement brokers know the market and the open offers best. The buyer must be active, or his broker, because the new sellers appear the market regularly. The negotiating skills and the experience of the broker can solve the deals. But expertise is needed.

5. Avoid To Buy From The Scam.

The settlement market includes several scam companies, unfortunately. This means, that a buyer has to co-operate with a proven expert, who has the latest information about the reputable companies and the market terms. Only then he is able to recommend something to the buyer.

The settlement, when handled correctly, offers a high ROI. This requires, that the purchase price is low, the deal is done with a secure and reputable company. And then the biggest profit maker, the settlement payments are tax free.

High ROI from the structured settlement investment? Yes, if you succeed to take a good structured settlement quote.


Credit Card Reform For Your Wallet Health

President Obama has signed sweeping credit card reforms into law. The reforms are designed to protect cardholders from certain interest rate hikes, unfair fees, issuing, and billing practices, and generally require greater transparency and accountability from card issuers. While most consumer rights groups applaud the reforms as long overdue restrictions on deceptive and predatory practices, some serious points of concern were raised this week in the econo-blogosphere.

First, Odysseas Papadimitriou provides a helpful overview of the bill's main features and how they'll likely impact your wallet, and concludes: "The credit card legislation will significantly change the way credit card companies conduct business... consumers will see smaller credit lines, higher interest rates, higher membership fees, and fewer 0 percent offers. Rewards offers will likely stay the same... While the effects of the legislation... may seem wholly negative, we strongly believe that the long-term effects will result in a net benefit for consumers."

But Andrew Martin in the 'New York Times' Monday raised concern among those who pay their credit card balances in full each month and enjoy rewards programs with no annual fees. Martin certainly pleased the American Banker Association by presenting its quasi-threat "to look at reviving annual fees, curtailing cash-back and other rewards programs, and charging interest immediately on a purchase instead of allowing a grace period of weeks."

Francis Cianfrocca falls in line: "The credit card industry will have no choice but to start raising fees on the people who do what your mother always told you to do: pay off your debts on time and avoid high-rate balances."

But Bryan Caplan says the ABA's claims that responsible, low-risk card holders will suffer are just 'wrong, wrong, wrong... [Martin's 'NYT'] article is as crazy as a story about the minimum wage claiming that highly skilled workers suffer the most because employers need to 'make up the difference somewhere.' The correct retort, of course, is 'Yea, they make up the difference by buying less of the labor that now costs more.'"

Tom Petruno also doesn't buy it: "If [card-issuing banks] really want to aggravate their best customers, they may have to factor in the risk that Congress could come back and hit them even harder. Better to count your bailout money and dim the rhetoric, boys."

Former Dallas Fed president Bob McTeer notes this isn't the first time lawmakers have called bankers' bluff on credit card regulation, and acknowledges that "I will probably be one victim of the legislation," since he pays his balance in full each month to obtain frequent flyer miles. "Many of the credit card issuers brought this on themselves by some of their egregious actions and lack of proper communication with their customers... The economics of the situation and my gut are pulling in opposite directions."

Barbara Kiviat doesn't accept that banks don't profit from cardholders like her who pay the balance in full each month. Reminding us of exchange fees card issuers charge, Kiviat asks, "Why would credit card companies, in the aggregate, do business with the 42 percent of American households that pay off their balance each month?"

Likewise Ryan Avent: "If credit card companies could have been making more money on quality borrowers all along, why didn't they?... What seems more probable is that high-quality borrowers used to have more credit options available to them, and so credit card companies had to work harder to get their business. Now, in the midst of recession with many borrowing options -- including home equity lines -- no longer available, credit card lenders can squeeze more out their customers. They're the only game in town and can price accordingly."

Felix Salmon concurs with Kiviat and Avent that high-quality borrowers were always profitable for card issuers, and adds: "The cost to society of having millions of individuals carrying large credit card balances with very high interest rates is vastly greater than the benefit to [no-balance cardholders] of having a reasonably convenient way of paying for goods in shops."

Ezra Klein adds a worthwhile point: "There's a good reason for credit card companies to want lots of users who aren't very profitable. Imagine a world in which 42 percent of households pay their bills and 58 percent miss the occasional payment. Now imagine that the credit card companies lose a bit of money on the 42 percent and make a lot of money on the 58 percent. They still need that 42 percent. The credit industry works best when everyone has a credit card. That only happens when most places take credit cards. And that requires not only huge volume, but also credit card penetration across different segments of society. Credit cards have to be the norm everywhere if everyone is going to have credit cards and that 58 percent is going to contain the maximum number of people."

Michael Hiltzik acknowledges that card companies "have been guilty of genuinely sleazy behavior," but he's compelled to stick up for them on some fundamentals: "Certain purported sins, such as raising rates and cutting credit limits for some borrowers, merely ratchet back the loose standards that helped lead us to economic perdition. For years we cursed the banks for showering Americans with easy credit. Now we curse them for tightening up."

Dear John Thain is "worried that legislators have managed to put restrictions and requirements on credit card companies without taking the last step: making them ineligible to be waived in boiler-plate language." Salmon responds.

Oh, by the way, Republicans managed to tack a completely unrelated gun rights measure onto the Credit Cardholders' Bill of Rights Act of 2009. This left Joshua Morgan Brown irate: "How much easier this economic environment would be on us all if only we could walk into National Parks with LOADED weapons. I mean, yeah, I guess it's pretty cool to be able to visit Jellystone Park with an empty gun, but loaded? Now that’s stimulus."

Personal finance corner: While you wait for the reforms to kick in, Consumer Reports has some suggestions for how to immediately negotiate better terms if you feel your card issuer has unfairly changed your rate terms.

And finally, don't miss Colbert's take on the bill -- his credit card just got pre-approved for its own credit card!

Selling a structured settlement is not a good investment

A structured settlement is a financial or insurance arrangement, defined by Internal Revenue Code as periodic payments; a claimant accepts to resolve a personal injury tort claim or to compromise a statutory periodic payment obligation. Structured settlements were first utilized in Canada after settlement for children affected by Thalidomide. Structured settlement cases became more popular in the United States during the 1970s as an alternative to lump sum settlements. The increased popularity was also due to several rulings by the IRS and an increase in personal injury awards. The IRS rulings changed policies such that if the requirements were met then claimants could have federal income tax waived.

Is selling a structured settlement a good investment ?

Before one decides to sell his structured settlement for another investment opportunity; it is worthwhile to consider the pros and cons of such an action. The most important advantages of structured settlements include regular payments that are free from income tax and are secured by state and federal laws. This cannot be said of many other investment options. Structured settlements can also be invested in government schemes that may offer low returns but are guaranteed.

The main reason for an individual opting for another investment vehicle is the apparent high returns from that investment option. These options include stocks and real estate. One should compare the pre-tax income from an alternative investment source to that from a structured settlement. Also, the process of selling a structured settlement involves a cost. This is because the amount of settlement payment sold is more than the lump sum obtained. This cost should be factored and compared to the returns from another investment.

Choosing a structured settlement investment as an option for for financial gain can be a viable method of acquiring profit.

Wednesday, 8 December 2010

A Gift of Sight: Visual Perception Treatment for Autistic Children

Autism effects every child differently, so it is difficult to find the exact treatments your child needs to cope with his or her symptoms. One thing that effects some autistic children (though, not all) is problems with visual perception. By using some standardized methods to help improve visual perception, you can give your child the ability to see the world more clearly, making learning and comprehension easier and possibly curbing some behavior problems as well.

Autistic children mainly have problems with sensory overload and distortion. These are some of the same problems many people not suffering from the disorder develop, and so many treatment options have become available. Individuals with autism often find, however, that the sensory overload of the world due to light, colors, contrast, shapes, and patterns, is too much to handle, causing them to act out or shut down in general. This is sometimes a genetic condition that is simply enhanced by the autism, so if the child's parents have trouble with reading or have been otherwise treated for visual perceptive problems, there is a good chance that the child needs help as well.

The Irene Method is one effective way to treat visual perception disorders. This method uses color to create a more harmonized world. You may have heard of these methods if anyone has ever suggested using a color filter over the page when reading to be able to read better and more quickly. This method is proven to work, and if your autistic child is at the maturity level of reading, you may want to try these color filters to see if there is a difference in speed and comprehension. However, it is more likely that your autistic child will benefit from color filters during the entire day, not just when reading. Special glasses have been made using colored lenses to conquer this problem. Not every child responds the same way to every color, so it is a process of trial and error to find out which color is the one blocking the harmful light. You can also choose to use colored light bulbs in your home to help autistic individuals with their visual perception problems.

This method mainly helps children in 4 areas: depth perception, social interaction, learning, and physical well being. The colors help the child determine how far he or she is from an object, and the world becomes more three-dimensional, helping depth perception. Social interaction also improves because the child feels as though he or she is in a calmer world and can more clearly see and interpret facial expressions. The colors make it possible to learn, especially when reading, and overall, the child will feel better, because it helps reduce headaches and dizziness. By testing this technique and others to help visual perception problems, you can help your child better cope with the world and his or her autism.