A Better Way To Sell A Structured Settlement- Via Auction

By: Clayton Frantz

Structured settlements were introduced in Canada and the United States in the 1970's. They were introduced as an alternative to lump sum payments, common in insurance settlements and lottery winnings. In the decades since, they have also been accepted as legal financial instruments in England and Australia.

The aforementioned common law countries have decided to include structured settlements in their statutory tort laws. These four countries handle tort law and the settlement packages a little bit differently, but the general overall definition applies across the board. In a nutshell, a structured settlement by legal definition is a statutory agreement to pay a specified sum of money over a period of time, on a payment system.

Payment Arrangements

When someone wins a court settlement (or if they settle the case beforehand), the insurance company often gives the winner a choice of taking a specified amount of money in a lump sum, or a bit more money if the insurance company can enter into a structured settlement arrangement.

Of course, it is in the insurance companies best interest to pay the claimant in a structured settlement, because the insurance company can earn interest, during the structured payment cycle, on the full sum of money it would have paid in a lump sum.

The insurance company wins in the profit game, when they get to enter into a structured settlement. They will be able to invest the full sum of money owed, and they get to earn interest or dividends on the money in hand during the payment period.

Structured settlements are most often paid out in the form of an annuity over a period of time. An annuity is also legally classified as a financial instrument. Once again, the financial institution will gain an additional financial advantage, because they can collect interest or earn other kinds of income on the bulk amount, during the payment period.

Annuity & Structured Settlement Buyouts

Structured Settlements for a great deal of clients are the ideal solution. Payments spread out over a period of time allow clients to balance their finances and pay bills in the years to come. Some people get their settlement payments $300, $1000 or even more each month. Sometimes they may include lump sum payments many years in the future. This is fine as long as their life is humming along and their bills are being paid.

Yet, circumstances sometimes get in the way, and people need the lump sum cash right away to solve some issue that has come up in their lives.

Because both annuities and structured payments are a legally-binding financial agreement, those items can potentially be transferred to another person under the terms of the laws that have been set up to manage these financial products. But, when faced with a serious financial crunch, some people hastily sell their annuities and structured settlements to the first company who would be willing to buy them for a lump sum amount.

These companies who are willing to buy-out annuities and structured payments are commonly referred to as "Factoring" companies, because they use "Factors" to determine how much future payments are currently worth, and how much they should buy them for.

The Standard Method of Selling A Structured Settlement - Persistence and Patience (not always used)

We have all seen the countless ads on TV from a various companies, "Get Lump Sum Cash Now." For years, people have turned to factoring companies in their time of financial need. Smart consumers will learn from the insurance companies. Have you ever been involved in a car wreck? The insurance company requires for you to get three estimates and then they will pay the company that offers them the best deal.

The smart consumer will also invest a little bit more of his or her time to make sure they get the best deal for their annuity or structured settlement. They will call at least three factoring companies and get competitive bids from each. Then they will go back to the three aforementioned companies and see if any are willing to beat their best offer.

It can be tiring and time-consuming to follow through in this process, but for the average person, it could be worth several thousand or even tens of thousands of dollars in one's bank account at the end of the process.

The Better Method of Selling a Structured Settlement - Open Marketplace Auction

A new way of dealing with this issue has recently been introduced to the marketplace. Websites allow Structured Settlement owners the ability to list details of their payments, and receive cash bids directly from Top-Rated Funding firms.

The process is relatively simple. Clients sign up for a free account and list the details of the payments they receive. Once an account is created and the details of the payment arrangement are known, Funding Firms can log in and make cash bids directly on the purchase of the settlement. Each firm can see the current highest cash offer, and if they wish to beat it with a higher cash price, they can do so.

Sellers do not need to worry about being called countless times by salespeople because the contact information of the settlement owner is not shared. When a factoring company makes a cash bid on the settlement, the service notifies the settlement owner of the new bid via email.

Having settlement buyers compete in an open marketplace lowers the profit margin for funding firms, and forces the lowest possible discount rates to be applied when funding companies compete to buy future payments. This in turn ensures that clients can get the maximum amount of money back from their settlement.

The Importance of Comparison Shopping

Two siblings had been receiving separate, but identical annuity payouts in the form of a structured settlement from an accidental family member death. Sibling one got into a financial crunch. When this happened, sibling one called a "Factoring Company." She was offered a lump sum buyout, and although the offer was much lower than the value of the settlement, sibling number one didn't realize the importance of shopping the competition, and sold her settlement for $70,000.

Sibling number two heard about the buyout and thought that it would be nice to have her cash now also. But, sibling number two was not as desperate for an immediate buyout. Sibling number two took the time to shop around for a better deal. Sibling two managed to uncover an online service, and they helped to secure the best offer possible. Sibling number one got a $70,000 buyout and was initially happy with her cash buyout.

Sibling number two came to the service with the same initial $70,000 buyout offer for the settlement. After working with the service, sibling number two got offered $100,000 for the same settlement sibling number one sold for $70,000.

Sibling number two sold her settlement for $100,000 to JG Wentworth who is an auction partner in the service. While sibling number two did get the best possible deal, sibling number one unfortunately has to live with the fact knowing that she made a $30,000 mistake by not shopping the competition.

In Conclusion

Your structured settlement or annuity is the foundation of your financial future. If you find yourself in financial need now, you should at the very least give yourself a couple more weeks to shop your deal to the competition. You might be telling yourself that you cannot afford to wait, but the truth is that you cannot afford to take the first bid that you are offered. In some cases, jumping at the first offer could be the equivalent of financial suicide to a structured settlement owner.

So, be patient and persistent in the process of finding a buyer for your settlement. And remember, if you are willing to negotiate with a car dealer on the price you pay for a car, then there should be no reason in the world that you should not negotiate with a factoring company when you are looking for a buy-out of your settlement.

About the Author

Clayton Frantz writes for Quote Me A Price.com (QMAP). Simply put, QMAP provides a better way to sell a Structured Settlement. They have Top-Rated factoring companies, who provide Annuity and Structured Settlement Buyouts. If you are shopping for a buyout, you can Register For FREE at http://www.QuoteMeAPrice.com. QMAP will ensure that you get the best possible price for your buyout.

(ArticlesBase SC #321903)

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Home Remedies for Dandruff

By: peterhutch

 

Dandruff

DANDRUFF is a very common problem indeed, that of flakes falling from the scalp every time a person combshis/her hair or rubs the head. Dandruf is caused by a commonyeast cell pityresporen ovale which causes an inflammation of the scalp, making it shed flakes. Dandruff is a very common sclap problem.

Everyone has dandruff--at least some dandruff--and that includes bald people. That's because every human scalp sheds dead cells, which "flake" off as new ones arc pushed up from deeper skin layers. When these flakes become obvious on our hair and clothing, we call them dandruff.

How To Treat Dandruff?

Home RemedyThe following home remedies are very useful in the prevention and treatment of dandruff. They can seem the grandma’s advice, but the same ingredients are used for the production of anti-dandruff products.

Home Remedy Dandruff Cure

aloe vera dandruff cure - with aloe vera gel . About 10-15 minutes before you wash your hair, rub a lot of aloe vera gel into your scalp. leave it on for 10 minutes, and shampoo your hair like you regularly do. if you do this everyday the dandruff will stay away.

Dry Itchy Scalp & Dandruff

You want to guess why the causes for your crazy itching, burning red or dry itchy scalp, its very simple just make use of this book, Dry itchy scalp remedies. By reading this valuable book you can get relief with in 10 minutes, and also able to cure your dandruff permanently.

Natural Cure for Dandruff

Dandruff is a condition in which flaking of dead tissue of skin takes place from the scalp. This condition usually accompanies with bacterial and fungal infection and leads to itching and irritation on scalp. Consequently there is a lack of protein in the skin, which becomes dry and flaky. Dandruff is more common in men and may become worse by stress, illness and some hair products.

Home Remedies For Dandruff

Hot oil therapy is the best method to cure dandruff. Massage hot oil into the scalp at bedtime. Next morning an hour before the bath, rub lemon juice mixed with cosmetic vinegar into the scalp with cotton wool.

Mix beetroot juice in vinegar and apply on the scalp. Ginger juice and beetroot juice mixed together and applied on the scalp are also beneficial.

During the first five days of the treatment when the patient takes an all-fruit diet, a warm-water enema should be taken daily to cleanse the bowels. Simultaneously, an attempt should be made to keep the body in good health.

Mild dandruff is the result of excessive oiliness of the skin and not due to dryness of the scalp. Chronic dandruff may occur due to psoriasis of the scalp.

People should avoid spicy and greasy food because it helps dandruff to increase and spread. People should add more vegetables and fruits on the diet. It is very essential to take fresh foods avoid taking tinned and canned foods add more green vegetables and fruits.

About the Author

Read About Diabetes Treatment, Diabetes Blog Also read about Home Remedies and Guide to everything

(ArticlesBase SC #488575)

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Small Business Debt Consolidation

Author: Vivian Villalba

If you own a small business sometimes the debt of that business is not that small. Your expenditures may have over run your profit and you may need a loan to tide you over until the black overtakes the red in your accounting book. The need to for a debt consolidation loan in for your small business may stem from the amount of paperwork that follows your debt when you pay your bills. If you consolidate all of your debt and pay only one company, your paper work will be less and you will be able to spend your time making money instead worrying about countless bills.





A good strategy to find a small business debt consolidation loan is to search online. Though there might be loan offices in your town, you will have a better chance at getting a lower rate from the multitude of small loan consolidation companies that are on the internet. There are search engines available that will let the banks and credit card companies fight for a chance to serve you. You put in the amount that you want to consolidate and the banks and credit card companies will bid for your business. After a couple of days simply click on the offers and pick out the best loan rates that fit your budget and your needs.





All banks offer business consolidation loans. You may have a local bank that you have borrowed from in the past. This would be beneficial if you already have a relationship with an institution. They will already have your paperwork on file and your small business dept consolidation loan will be processed in no time. If you have had similar loans in the past and have kept up on them, there is no reason that your local institution cannot handle the loan. If you feel the interest rate is too high, you should shop around. The hassle of filling out paperwork should overcome the hassle of having to pay a higher interest rate the entire length of the loan.





The small business debt consolidation loan will help you manage your finances more securely and faster. Imagine paying only one bill instead of twenty. You will need a list of all your debt and contact information from your debtors. The bank that you pick will add the numbers and give you a grand total and your monthly bill so that it is sent all in one package. Your monthly bill will seem exorbitant, but remember that this is one of the few bills you will receive. You can make sure that payment is made and you can rest assured that you have not forgotten a debtor and ended up on a collections list.





Small business debt consolidation loans are the best way to manage your finances and at the same time they save you time. When you sit down at the end of the month it will be faster to just write one check, use one stamp, and send one bill to the consolidator. That is all there is to it. So if you are suffering from a paper work nightmare, apply for a small business debt consolidation loan today.

About the Author:

For more informaion on Small Business Debt Consoldiation Loan, please visit http://www.yourdebtconquered.com

Article Source: ArticlesBase.com - Small Business Debt Consolidation Loan

How to effectively reduce belly fat.

Author: Rebecca Welch

Jelly Belly. Love Handles. Dunlap Disease. Whatever you want to call it, the excess fat around your midsection that wiggles and jiggles in all the wrong places just isn't pretty. Not only is belly fat unattractive, it can be downright dangerous to your health. Extra fat carried around your abdomen can increase your risk of heart disease. With so many pills, potions and programs flooding the weight loss industry today, many people are left feeling just plain confused about how to effectively reduce belly fat.





The first thing you must know about how to effectively reduce belly fat is that there is no magic bullet when it comes to weight loss. Reducing body fat levels requires a three pronged approach that doesn't come from popping diet pills or gulping down foul tasting drinks. Belly fat also won't come off by trying to spot reduce only doing sit-ups or crunches. It's just not possible to spot reduce, so don't waste your time.





So, the question remains, how do you effectively reduce belly fat? Here is a safe, practical three pronged approach to get rid of belly fat.





1. Healthy Meals. Notice the word diet isn't part of the equation. That's because the word diet conjures up visions of carrots and celery and not much else. The word diet gives us nightmares of deprivation and hunger, and that's not the image we're looking for with permanent weight loss. Just because the word diet isn't used does not mean you're free to gorge on junk food at will. Healthy meals consist of lean protein, lots of vegetables, whole grains and some fruit. Your should consistantly choose foods that are as close as possible to their natural state.





2. Cardiovascular Exercise. Regular cardiovascular exercise will reduce body fat levels. Where should you start? Wallking is great cardio! Put your shoes on and get moving for at least 30 minutes per day. It doesn't matter how fast or how far you walk in the beginning, the most important point is that you're moving your body aerobically on a regular basis. If you don't enjoy walking then ride a bike, rollerskate, jog, run. Participate in whatever aerobic activity you enjoy.





3. Lift Weights. Yes, you did read that correctly! If you're wondering what lifting weights has to do with effectively reducing belly fat, then read on. Regular weight lifting has several beneficial effects for those folks trying to reduce their body fat levels. Muscles burn extra calories. The more muscle you carry on your frame, the more calories you burn in a 24 hour period which translates into extra fat burning power. Muscles take up about one third less space than fat. Muscles give you the power to carry on your daily activities more effectively and with energy to spare.





Learning how to effectively reduce belly fat isn't a difficult task. The three principle keys to getting rid of your gut rely on diet, cardiovascular exercise and weight lifting on a regular basis. Remember, you didn't sprout belly fat overnight and you can't get rid of belly fat in a day, but you can reduce belly fat if you're willing to put forth a bit of


effort.

About the Author:

Get your risk free trial of the best plan to effectively reduce belly fat. reshape your body regardless of age, gender, or metabolic type. See more tips about how to get fit and how to stay fit.

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How To Get Rid Of Pimples Overnight ,For That Flawless Skin

Author: Robert Sheehan

It is true treating pimples needs both patience and persistence, but sometimes time is the thing you are short of. You desperately need them off your face at any cost; the world seems almost cruel otherwise. You almost feel like tearing your hair out thinking of how to get rid of pimples overnight and it is for situations like these that there are over the counter drugs and ointments.

However, just using medicines will not relieve you of the pimples, there are rules you have to follow to make it work out right. There are Dos and Do nots and always remember some things are better left alone, messing with them is not advisable. For example, if you think the easiest way out of your ordeal would be to pop your zits, you are definitely wrong.

Most of the time, overnight pimple cures are just an overblown phrase because an overnight cure for pimples is almost impossible to devise without a change in your lifestyle. Especially if you are used to having a stressful life and you have a biased diet. Try to make it a balanced one including food that would also make it into a cleansing diet. Talking of cleansing, there is no substitute for water, thus make drinking 8-10 glasses of water each day a part of your daily routine.

Tips for overnight cure

Some home remedies however can rid you of pimples sometimes overnight and even if not overnight by not more than half a day.

You could use the white of an egg to dab on your pimple. Once left on for around 20 minutes it usually helps and dries up the pimple. Another unique method would be to apply toothpaste; preferably not the gel type on the pimple and it has the same effect.

Cleaning the skin is an essential part of curing pimples and the cleaning needs special care when you need to cure pimples overnight. If you wash your face with a soap enriched with aloe vera it can help you immensely. You could also try cleaning your skin with apple cider vinegar, or a more simple remedy would be to clean it with lemon juice.

Before you start any pimple remedy, you must be sure that the acne is not caused due to an allergic reaction to any food or cosmetics. The cure could otherwise have an adverse effect on the acne.

Your skin is unique and different from everyone else's and therefore you should remember that what works for someone else might not work for you and vice versa. Therefore, it would be advisable if you try out the different methods beforehand to know which one suits you.

You could also pay your family physician a visit, who might just as well recommend you to a dermatologist. Both the doctor and the dermatologist might have ideas that would truly rid you of that pimple overnight.

About the Author:
Robert Sheehan is a freelance writer and co-owner of
http://www.myacneskintreatments.com. Visit Robert And
read more about treating acne at
http://www.myacneskintreatments.com/Best-Acne-Treatments.html

Article Source: ArticlesBase.com - How To Get Rid Of Pimples Overnight ,For That Flawless Skin

Questions To Ask On a First Date

Author: Avishai Fuksman

Conversation starters can literally save your life on a first
date.

Why?

Well, as you know, going on a first date can be very scary and
intimidating. Our minds are overcome with fear and insecurities
and we cave in to those emotions.

We're scared of being rejected, we're afraid of failure, we're
nervous about saying the wrong thing at the wrong time and we're
anxious about what our date will think of us.

All these anxieties are totally human and completely
understandable - but they produce devastating results: they
paralyze us and greatly inhibit our ability to behave normally
and confidently like we do with our family and with our closest
friends.

Our personal fears lead us to the most uncomfortable situation
where we feel a terrible lack of confidence, all stressed out,
angry and frustrated. The bottom line is that we're doomed to
end up in the most annoying, embarrassing and even humiliating
situation, which we all know as that "awkward silence".

Believe it or not, most of us do have the capacity to carry on a
fluid, easy-going and enjoyable conversation with people we have
known for years - so, with the right approach, it shouldn't be
any different with the woman we're on a first date with.

And the right approach is... conversation starters!

Preparing a list of topics and questions that you can use on the
first date can do wonders for your dating skills.

When you have an arsenal of conversation starters - it's very
easy to keep the conversation going.

You always have something to say, you develop a lively
conversation like there's nothing to it, you're not nervous,
"stuck" or "blocked" and you can avoid the awkward silence
disaster pretty easily.

Here are 10 conversation starters that you can use on your next
first date:

·Has any book had a major impact on you?

·What was the best bargain you ever found?

·What's the most annoying thing someone could do on a first
date?

·What's the most unusual thing you know how to do?

·Is there anything you can't say "no" to?

·What food could they not pay you enough to eat?

·Who are your cult heroes? Why?

·What was the craziest thing you ever did when you were a kid?

·If you could have any job in the world, what would it be?

·What would be the title of your biography?

There are so many conversation starters that can work for you
fantastically. They can serve as a great base for a flowing,
lively, enjoyable conversation that can let your date learn
about the "real you" while you leave all the pressure, anxiety
and fear behind you.

Don't leave home to go out on a first date empty-handed. Sit
down, prepare some great conversation starters, memorize and
practice them and your chances for a great date will increase
drastically

About the Author:
Avishai Fuksman is author of "The Date Saver", a downloadable
guide for men that includes hundreds of first date conversation
starters. To learn more, visit: www.TheDateSaver.com

Article Source: ArticlesBase.com - Questions To Ask On a First Date

How To Make A Girl Fall In Love With You

Author: Vlad Karl

Let's get started. Getting a girl of your dreams is much like getting the car of your dream. But unlike a car which you can always bargain for, there is nothing like a 20 percent discount in courting the girl of your dreams, she's so sweet a thing to be discounted, you dearly are in love with her and your feelings for her can only be communicated not by the words of the mouth, but by the words of the heart. Getting the girl actually depends on how big your heart is - faint heart, never won fair lady.



The first dating idea for any man is to make a good impression. In your doing so, you don't have to talk, dress or do the common things that all the Toms do to get a decent girl's attention. Be unique, that's all you need. Be a man of his own style. Dress decently - indecency can make one be mistaken for arrogance; watch your language - obscene language gives the impression of immaturity, being uncultured and cheap; be a man of good habits - don't drink or smoke like any other loser.



How to make her fall in love with you? Take your time. Add some romance to your dating style. When in College I had a crush on the most beautiful lady in our first year lot. Though all senior guys were out to get that girl, I managed to divert her attention from the other guys. I wrote her three letters without disclosing my identity and slid into her room secretly; all I said was 'Yours Secret Admirer.' The first letter contained the meaning of her name, this I got by playing around with the initials of her name to make meaning. The second was a funny message that could only be read backwards and it was all about her physique and her smartness. In the third letter I told the girl to be ready to receive a rose flower from her admirer, but only if she could be kind enough to phone him using a number that I had included in the letter. The girl did phone me that very night, and her first words to me were, "Hallo Secret Admirer." So, the story of our love affair came to be. Later she told me that was so creative of me, no one had approached her in that manner. I made her fall in love with me and made a date in the romantic manner.



Befriending and understanding the girl you are out to get is the next important thing. This is what I also did. You have to understand that as a lady, she loves to be loved, adores to be adored and needs to be needed. This will move you closer to the girl and you'll get to know what she's into, what she likes and dislikes, and what her style is. Love is built upon friendship and it always leaves individuals better off having known each other should they break up. I and my College steady were to break some time later but to date, we are the best of buddies. Be sure that bringing out the selflessness friend in you will make her create room for you in her heart.



A shoulder to lean on and some good friend that she can always turn to is all that a lady wants. Please don't hesitate to be helpful and supportive. Be that friend who rekindles her zeal of hardworking and restoring hope back into her life when she looses hope. This above all other things will make you her daily vitamin simply because you bring out the best in her in terms of personality and character. In you, she'll have found that friend whom she can open up to, share with and advice each other on the rights and wrongs, the dos and don'ts of life. Don't forget to always be there to celebrate the good times, and to lend an ear when the girl needs you to listen as a friend.



Make the girl feel special; because she's someone's friend - your friend, and let her know that she too has touched your life in a unique way like no one else could. Compliment her for her company and for being there when you needed her, when you felt sad and all alone. Show appreciations for the comfort the girl offers you and for making you smile.



In your day to day talks, share your dreams, your world, and every aspect of your life with your girl. Always dream with her, build with her, and always cheer her on and encourage her. Tell your girl how you always think about her even when you try not to think about her. Let the girl know that she's your first thing in the morning and the last thing when you go to bed at night.



Her knowing that you were thinking of her when you slipped beneath the softness of your blanket and gave in to the bliss of sweet dreams, will make her go 'my my' and her heart will sing your name all the year round.



You have to be creative and constructive to keep girl's interest in you so full of life. I remember one time I told my girlfriend to be to imagine we are both deaf and dump. We then sat opposite each other on the table and started sharing our feelings for each other using eyes and hand signs. It turned out to be some fun. There was also this time that we were in the library and we decided we are not going to speak to each other verbal, so I wrote a love note on a paper and passed it across the table to her, she replied and on and on we carried on our love on paper conversation till we almost exhausted a whole rim of paper. At sometime, I noticed that some guys sited with us on the table were enjoying our ordeal than their studies. Such are the things that made the girl embrace my world. I remember her suggesting that we play deaf and dump two years after we broke up, can you imagine that?



Never fail to phone her, even when she least expects it. I once called some girl that I was interested in at four o'clock in the morning. When inquiring of what I was doing up so early, I told her I was in thirteenth heaven, where people think of their loved ones when they can't sleep. Wow! First thing early the next morning, she was at my door with a king-sized hug for me. No matter how many dates you take her, don't make any elbow - exceeding moves after any date, just drop her home and with a friendly handshake, wish her good night. Don't kiss her when she expects you to. Your respect as a gentleman will be earned on how patient you are with her when it comes to such matters as kissing her and accessing her inner graces.



The writing is on the wall that you want her, but you can't have her just yet. Increase your demand. Try to show her that men are also hard to get at times. Make her realize that when she feels a little dizzy, a little tired, a little sad, a little sick, a lot bored and very much cold, she's actually missing vitamin you. By this time, she'll be so much into you and since love is truthful and is characterized by open and honest communication, honestly promise her your everlasting devotion, loyalty, respect, and your unconditional love for a lifetime. Prove to her that you'll always be there for her, to listen and to hold her hand, and that you'll always do your best to make her happy, and feel loved.



Remember, patience is the key to her heart; be like that gardener watching a fruit as it hangs on the tree, day after day admiring it, but, exercising tremendous self-discipline, neither feeling the fruit, nor pinching it, nor testing it to see if it is ready. And then, one day he holds out his hand and the fruit simply drops into it, ripe, warm and eager to be eaten.



The patience and self-control which you practice will make you more attractive and charming. This will qualify you as her daily vitamin and win you that heart hers.



I wish you to meet the girl of your dreams ASAP, make her fall in love with you, and make her feel the happiest girl in the world!

About the Author:

A writer Vlad Karl maintains a dating, friendship and love relationship columns on http://www.meetingland.com

Article Source: ArticlesBase.com - How To Make A Girl Fall In Love With You