Want your money your way?

Here’s how!!!

Are you one of the thousands of individuals tired of receiving small monthly, quarterly or annual payments from a structured settlement, annuity, or lottery winning? Getting the cash you need now from your structured settlement, annuity, or lottery payment can give you the future financial freddom to move aheda, get ahead, and stay ahead.

Let’s take the common lottery winning or negotiated settlement payment an average person receives, and break it down. The insurance companies and lottery commissions make money paying you money!

It’s that simple. The lump sum you would ordinarily have received is part of their growing nest egg. These companies make enough money off the interest of the money they do not have to pay out to you, to more than cover your small periodic payments.

These large cash reserves are funded by the insurance premiums and lottery earnings paid by you and everyone else. You have a legal right as set forth by Congressional legislation to sell your future payments for a lump sum now!

It was not until the mid eighties that structured settlements became the choice vehicle for insurance companies to pay out their claims to personal injury victims. Remember the eighties? Sex, drugs, and rock and roll? America saw an overwhelming amount of addiction and reckless ruin. Economists, doctors, legislators claimed that people who suddenly came into large amounts of cash were more likely to induce a drug habit, alcoholism, or gambling addiction. Using altruism and statistics, insurance companies lobbied to be able to construct the “structured settlement agreement”, veiled underneath the ideal that smaller incremental amounts of money would be more manageable for most individuals rather than a large lump sum.

It was true, many recipients did squander and abuse the available funds they now had at hand. But, lets take a look at the fiscal complaints the majority of Americans share about our very own government spending.

Tax payers are now going to pay for a bailout to help companies like Freddie Mac and Fannie Mae who already hold a $5 Trillion portfolio. The non-partisan Congressional Budget Office says that the new treasury powers could cost $25 Billion!

Still think someone else can better manage your money? We have paid taxes to educate our youth, consumers, and ourselves in order to avoid the pitfalls of unrealistic investments, and fiduciary irresponsibility. Given the correct financial guidance and debt management counseling, statistics show that nearly 48% of Americans would be able to effectively eliminate debt almost entirely if they had the ability and the funds to pay off high interest loans, and credit card debt. The average American household carries a debt load equivalent to 32% of their monthly income, if not more in many other cases. That is nearly half of your income! Think of how many better ways you could put that money to use, if you no longer carried a burden so heavy.

Three, four hundred dollars a month in credit card debt may not seem like much, but calculate the compounding interest and see how much more you are really paying for those items you purchased using credit.

Using your money from a annuity, lottery payment, or structured settlement can provide you with the cash necessary now to improve your future financial outlook. Contacting a buyer of structured settlement, annuity and lottery payments can get you the money you need right now.

To find out how much your payments are worth, how long it will take to get your money, and available option and alternative call toll free 1-866-865-7044 today. Get back on the road to recovery today!

Your financial future and goals are not out of reach, let Woodbridge Investments, LLC, show you how you can make the most out of your payments today!

You may be ready for the future, but is your structured settlement? The snow ball effect of a downward economy has hit almost every American. The Bloomberg report shows job losses continuing to increase. The housing market already flooded with foreclosures may be good for lowering home prices, but the actuality of it all is that the national average interest rate on a home is going up, and steadily.

You may be able to afford the purchase price of the home, but with rising interest rates nearly a full percent higher just from January of 2008, the long term cost to a home-buyer could be more than you bargained for.

How much longer will your annuity, lottery, or structured settlement payments hold up against the decreasing time value of money? Most financial experts agree that 20 years ago, a structured settlement would provide a valuable and predictable means of income to protect against such things as loss of a home, or un-expected needs that could arise in one’s lifetime. But 20 years ago, most financial experts, did not dare to speculate that today inflation, and fuel energy costs would see such a drastic and accelerated growth within such a short period of time.

Even so, with inflation being what it is, pulling cash out to reinvest in the market is no longer a vehicle of choice to guarantee you will receive any significant returns.

The stock market has reached it’s bear average. For those of us who do not know what this means, it means that the market has suffered almost a 20% loss or downward turn in less than not only a year, but within this passed month, leaving many holding what would have not so very long ago been considered an impressive portfolio with something less stellar than what was originally anticipated.

Now is the time to invest in a home. Now is the time to look at the tangible versus the cash flow. Long term investment in a home has never shown to be a poor choice. With accruing equity, and the many added tax benefits, a new mortgage may very well still be the way to go.

For so many families living paycheck to paycheck, or waiting every month for that settlement or annuity check, it seems like home ownership is even further out of reach. Do not dismay!

If you are one of the tens of thousands of individuals who are receiving a structured settlement, lottery, or annuity payment, now could be your perfect opportunity to realize the American dream of owning your own home. But you will have to act now to situate yourself financially.

Take the time to get a copy of your credit report. You are entitled by law to a free copy once every year. Make sure there are no erroneous collection activities on your report and verify that all your active or open accounts are current and up to date.

After you have gone over your credit, and cleared up anything negative, you will be in the best possible position to qualify for a new home loan or mortgage.

Remember that if you are a veteran of the US Military, you also have the added choice of a VA Loan which entitles you to purchase a home with little or no money down.

The process of increasing your credit score and standing may take 12 - 24 months to see the results. That is why it is so important to start taking the steps to be rid of negative financial baggage before you even start looking for a home.

How does your structured settlement, annuity, or lottery payment come into play here?

Your structured settlement, annuity, or lottery payments can be sold in whole or partially to obtain the money you need now to pay some of these expenses and debts off.

You can get a large lump sum of cash now, without having to completely give up all of your future payments.

Take only what you are sure you will need immediately, or calculate how much additional money you think you will be expected to put down on a home purchase, and put those funds into a separate savings account. Doing this will save you time and money by getting it done in one transaction. You can always sell additional payments at a later date or save and set aside monies from your existing income.

You may have planned for the future, but did you plan your structured settlement to accomodate your future needs? Buying a home is just one of the many tangible investments that you can use your payments towards.

If you want to discover the many ways an individual receiving a structured settlement, annuity, or lottery payment can break free from the limiting confines of smaller payments and get the advantage of having the cash you need and want now, call toll free today 1-866-865-7044.

It’s not just gas you are paying more for these days. Try ice cream, mayonnaise, and Frito Lay’s.

While many manufacturer’s have raised the cost of their products to offset increased cost of production driven by record high oil and gas prices, some are trying a less obvious but none the less noticeable route. Shrinking the standard packaging sizes of their goods in lieu of raisng the price.

Commodity and packaging costs are way up. The bureau of Labor Statistics reports that corn costs rose 69.5% from a year ago, and wheat prices up an incredible 96.9% from last April.

What does this mean to the average household? It means you will still pay the same price for a 1.5 quart tub of Breyers as you used to for a 1.75 quart conatiner.

The American dollar just isn’t going to fill the grocery cart like it used to.

Individuals receiving payments from Annuities, Personal Injury, and Structured Settlements are feeling the crunch too. As time goes by, the value of their future payments diminishes drastically. Let’s face it: even a somewhat average monthly payment of $400-$500 USD is barely enough to cover the cost of filling up the gas tank of a truck or SUV. Imagine how much less that monthly payment is going to buy in the very near future.

Thousands of people who decided to chose a fixed monthly, quarterly, or even yearly payment instead of a cash lump sum, are redirecting their train of thought and realizing it may have been better to opt for a one time lump sum payment that they could use now.

Paying for things like tuition, debt, medical and other unforeseen expenses that are holding them back from getting ahead are all together an increasingly familiar centiment echoed by many.

“Would have…”

“Should have…”

“Could have…”

These words do not have to belong to you. With professional guidance and sound financial advice you can use your money from an annuity or settlement to better serve you in the coming years.

Settlement and annuity payments are structured to include a pre determined dollar amount spread out over a determined period and a portion of interest that you are receving in exchange for agreeing to receive your money in increments over time versus all at once.

The fastest and easiest way to find out how much your payments are worth is to start by getting quotes or appraisals from companies that specialize in buying structured settlements, annuities, lottery winnings and personal injury payments. Most if not all of these companies can give you a very close figure based on three very simple factors.

The three things you need to tell a settlement purchasing company when obtaining a quote are:

• How much are your payments?
• How often do you receive your payments?
• How many payments do you have left?

You can decide how many payments you want to sell. Sell a portion or all of your future payments. You are in complete control and should never be made to feel obligated or pressured. Remember, this is your money!

The number of payments you sell is going to be determined by their value. Once you have evaluated your needs, goals, and financial situation, calculate approximately how much money it is that you will need.

Keep in mind that when you sell annuity or settlement payments, the further out the payments are that you sell the lesser value they carry. The reason has to do with inflation, interest, and the time value of money.

Once you have agreed to sell your payments, a court will review the trasaction to make sure that it will be in your best interest. Depending on which state you live in and which state your case was settled, your money could be wired directly to you in as little as 90 days.

To find out more, or to get a free no obligation quote today call 1-866-865-7044 toll free.

“A dollar today is worth more than a dollar tomorrow.”

According to S&P/Case Shiller’s national index, home prices have seen more than a very significant drop in less than one year. Now cited as the sharpest drop in the indexes history. Economists predict home purchase prices will continue to drop another 10% before bottoming out in 2009.

Individuals who are receiving payments from an annuity, lottery winning, personal injury, or structured settlement are capitalizing on the new found ability to acquire a home using a large cash down payment received from the sale of their future payments.

“We never thought we would be able to afford to buy a home here in Florida, they were so expensive and we didn’t have enough money saved to for a down payment to get a loan. I was working full time and he had a part time job. When we sold his payments, we were able to give the bank almost 40% of the purchase price, and our monthly mortgage is now less than what we were paying in renting.”
-Linda Tandy, FL (Woodbridge Investments Customer)

The aggressive competition between companies like Woodbridge Investments, JG Wentworth, and Peachtree Funding who buy settlement and annuity payments has made it a seller’s market. Individuals can obtain multiple quotes and find out just how much their future payments are worth. Many will even offer a guarantee to meet or beat any other written offer.

The basics in obtaining a appraisal or quote are simple, easy, and free.

You will need to provide the company with three key pieces of information.

• How much are your payments
• How often do you receive you payments
• How many payments do you have left

You will typically receive your money via wire transfer within 90-120 days, after you have signed a contract agreeing to sell your payments. Be wary of any company who pressures you or tries to convince you to sell all of your payments.

You do NOT have to sell all of your payments.

How many payments you choose to sell will depend on the value of the payments, and what your financial needs are.

If you are considering using your funds to buy a home, and your credit is a little less than spectacular, you may want to consider speaking to a financial advisor or credit counselor.

There are thousands of non-for profit organizations that can provide credit and debt relief counseling to you at no charge. Paying off delinquent or outstanding accounts will not only give you peace of mind, it will help to rebuild your credit, allowing you to take advantage of reduced interest rates, and special financing offers.

Owning a home can provide many tax relief benefits not available to renters. You will build equity in something that you own, and later can be used as collateral for various things such as car loans, or college tuition. Perhaps you have considered starting a small business. Showing that you have been able to make timely mortgage payments will increase your credit scores, and open the doors to financing these dreams making them a reality.

Laws enacted by Congress in the early nineties protect your right to sell your future payments from a settlement, annuity, or lottery allowing you to get the large lump sum of cash you need now.

Before your transaction is complete, a court will review the terms, and make sure that the sale of your payments will not negatively impact or adversely affect your current needs necessary to your livelihood.

To learn more about how you can sell annuity, lottery, personal injury, or structured settlement payments for cash now call toll free 1-866-865-7044 today!