Archive for July, 2008

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!

“Federal Reserve Chairman Ben S. Bernanke abandoned his June assessment that the threat of an economic downturn had diminished, telling lawmakers that growth and inflation risks are increasing.”
–Craig Torres and Scott Lanman
Bloomberg.com

Your money is worth taking advantage of today! Waiting for years to go by will cost you more than you may know. Inflation, increased cost of living, market and housing fluctuations eating away at your money like an uncontrolled disease are just a couple of the reasons why getting the most for your money now is good idea.

Continuing to let insurance companies capitalize on your money for their benefit will only leave you wishing you had done it for yourself now.

Interest rates and caps will only remain as they are, for a short term. Can you afford to risk the monetary loss time will incur as it consumes the value of every dollar that is rightfully yours.

The answer very clearly is NO!!!!

The negotiated amount of a settlement will definitively lose value as time goes on.

Will you be able to get the total amount of your settlement if you cash out now?

The answer is no. But you won’t see it’s full value waiting for the years to pass either. The time value of money means that even though you will still collect the same small monthly amount, it will not carry the buying power tomorrow that it has today. You can however make sure that you are getting the largest lump sum possible today.

As the rising cost of living feeds on every cent you earn, cashing in on a structured settlement can give you the the available money you want and need now to use for things like:

• A new home purchase
• A new car
• Tuition
• Home restoration or remodling
• A wedding or vacation
• Debt and medical expenses

Insurance companies re-invest the money they don’t have to pay you so that the interest they earn is more than enough to pay for the monthly or annual payments they send to you. Using only the interest from your settlement money they can continue to build their own cash reserves. Profiting every step of the way.

Get the information you need to make the choice that is right for you. Find out how your structured settlement can provide you with monies to build a retirement plan or business that will carry you through the coming years by contacting a buyer of structured settlement payments.

Call today to speak to a representative who will answer your questions about selling structured settlement payments, annuities, and lottery winnings!

Get your free no obligation quote and find out how much your future payments could be worth.

1-866-865-7044

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.