Tuesday, July 20, 2010

Auto Insurance quotes for those who Want to save Money

Auto insurance quotes are not necessary for auto insurance. However, you should always compare and save the right way. The best way to do this is to get these quotes and compare. Within moments of entering your information on this site, you will be able to get the auto insurance quotes you need. Don't hesitate. You can be a unique consumer and get the information and do your own research. After all, the only person who is going to look out for your best interest is you. Why hesitate?

Buying insurance as a woman

No matter how much men may try to put you down, the accident statistics collected from every US state tell the same story. Men cause significantly more accidents than women and, because they are usually driving too fast, they cause far more damage to the vehicles involved and any property hit.

Finding affordable coverage for your teenagers

As children grow up, parents have several different nightmares. These all stem from the same basic fear. No matter how hard you try, you cannot be everywhere, all the time, to protect your children from themselves. At some point, they have to be independent and stand on their own two feet. Unfortunately, it’s not the standing children dream about. They all want the freedom that comes when they get behind the wheel of a car and can go places.

Auto insurance

Auto insurance Go back to 2006, and the US was a different place. Everyone was riding the property boom, their shareholdings were building up their retirement plans, and credit was there for the asking.

Settlement Quotes Is Now Able To Buy North Carolina Structured Settlements

For the past three years North Carolina Structured Settlement Recipients have been unable to sell the rights to their structured settlement payments because of a change in the North Carolina Structured Settlement Protection Act. Throughout these years many annuitants came to us with tragic circumstances where we normally would be able to help them create liquidity by cashing out their structured settlement, but because of this new law we were unable to help them.
Below is the section of the North Carolina Structured Settlement Protection Act which has not allowed most North Carolina structured settlement recipients to sell their payments since enacted:

Clearscape Funding Soliciting Structured Settlement Recipients

It has come to this author’s attention that Clearscape Funding, a Symetra subsidiary is badgering structured settlement recipients to sell the rights to their future payments. It appears that this company is increasing it’s efforts to buy back it’s own paper at rates much higher than the industry average.
In the past week, Settlement Quotes LLC has competed on three separate cases where Clearscape Funding has offered the annuitant discount rates between 10-14% as opposed to Settlement Quotes offering rates between 7.7- 10%.

For those individuals unfamiliar with discount rates, a discount rate is a rate used to price future structured settlement payments. The lower the rate, the more money the annuitant receives in their lump sum payment. The company purchasing your structured settlement payment rights should always provide this number so you know if you are receiving a fair deal. Depending upon the payment structure of your annuity, you should receive a rate between 8- 15%. There are circumstances which can cause the discount rate to be higher but still providing the annuitant with a good deal. Discount rates are calculated from the amount and time of each payment. Payments that are further out in time or have a larger present value will always have a lower discount rate, the opposite applies for payments which are closer in time or have a smaller present value, the discount rate will appear higher for these payments.

Sell your Structured Settlement or Annuity Payments Today

Get the Best Price for your annuity-- Guaranteed--by having our Certified Funders compete to give you their Best Offers up front.
Sit back and relax while We do all the Shopping for You.
Get up to 6 Price Quotes without delay. Here's how:

Get Cash For Your Structured Settlement Payments

Settlement Quotes provides quotes for structured settlements.
How do you know your payments are a structured settlement that can be offered for purchase by Settlement Quote’s Certified Funders?
Do you or your beneficiaries receive future payments

From an Insurance Company
As a result of a lawsuit, personal injury or other similar claim
Tax free
Either in the event of your death (guaranteed) or only while you are alive (life contingent)
Not a result of a workers compensation claim

Sell Structured Insurance Settlements

Structured insurance settlements are payments made to an injured claimant by an insurance company where the claimant bought the insurance policy. These payments are considered structured, because they are made over a period of time instead of a lump sum amount. The claimant does not receive the entire settlement amount as one payment. Instead, periodic payment is received.

The amount that the claimant receives from the structured insurance settlements is used to cover expenses, such as the present medical expenses or other future expenses. So, if you are injured in an accident, and you have an insurance policy, this is one benefit that you can get, especially if you suffer from injuries that inhibit you to work for the time being.

Structured settlement

A structured settlement is a financial or insurance arrangement, including periodic payments, that a claimant accepts to resolve a personal injury tort claim or to compromise a statutory periodic payment obligation.

Structured Settlements in the United States

The United States has enacted structured settlement laws and regulations at both the federal and state levels. Federal structured settlement laws include sections of the (federal) Internal Revenue Code^[3]. State structured settlement laws include structured settlement protection statutes and periodic payment of judgment statutes. Medicaid and Medicare laws and regulations affect structured settlements. To preserve a claimant’s Medicare and Medicaid benefits, structured settlement payments may be incorporated into “Medicare Set Aside Arrangements” “Special Needs Trusts."

Definitions

A definition of “structured settlement” can be found in Internal Revenue Code Section 5891(c)(1) (26 U.S.C. § 5891(c)(1)), which states that a structured settlement is an "arrangement" that meets the following requirements:

A structured settlement must be established by:
- A suit or agreement for periodic payment of damages excludable from gross income under Internal Revenue Code Section 104(a)(2) (26 U.S.C. § 104(a)(2)); or
- An agreement for the periodic payment of compensation under any workers’ compensation law excludable under Internal Revenue Code Section 104(a)(1) (26 U.S.C. § 104(a)(1)); and
The periodic payments must be of the character described in subparagraphs (A) and (B) of Internal Revenue Code Section 130(c)(2) (26 U.S.C. § 130(c)(2))) and must be payable by a person who:
- Is a party to the suit or agreement or to a workers' compensation claim; or
- By a person who has assumed the liability for such periodic payments under a qualified assignment in accordance with Internal Revenue Code Section 130 (26 U.S.C. § 130).

Legal Structure

The typical structured settlement arises and is structured as follows: An injured party (the claimant) settles a tort suit with the defendant (or its insurance carrier) pursuant to a settlement agreement that provides that, in exchange for the claimant's securing the dismissal of the lawsuit, the defendant (or, more commonly, its insurer) agrees to make a series of periodic payments over time. The defendant, or the property/casualty insurance company, thus finds itself with a long-term payment obligation to the claimant. To fund this obligation, the property/casualty insurer generally takes one of two typical approaches: It either purchases an annuity from a life insurance company (an arrangement called a "buy and hold" case) or it assigns (or, more properly, delegates) its periodic payment obligation to a third party ("assigned case") which in turn purchases a "qualified funding asset" to finance the assigned periodic payment obligation. Pursuant to IRC 130(d) a "qualified funding asset" may be an annuity or an obligation of the United States government.

Sell Real Estate Note

If you are looking to sell real estate note, you're probably in need of cash for a new investment, a payment or a special purchase. Whatever the case may be, it is crucial that you find a reputable note buyer, someone with extensive experience that you can trust to execute the sale properly and give you the money that you deserve. These days note buyers are just a click away; you just have to know where to find them.

Many people who sell real estate notes go into the process blindly, not knowing what to look for and ultimately getting less than they deserve for their notes. Others are not aware that they can sell just a percentage of the note, called a partial, rather than the entire note. This allows you to receive a lump sum for a certain number of payments. For example, if you are receiving $50,000 over 10 years, you can sell a portion of the payments, say $10,000 worth, and continue to receive the rest of the payments.

Sell Mortgage Note

These days many people are looking to sell mortgage note to have access to an immediate source of cash rather than rely on monthly payments over a period of many years. It is certainly much easier than taking out a new loan, as you can sell your note quickly and easily with an experienced note buyer.

You might be asking, why do people sell mortgage notes? Well, everyone has their own reasons but usually they are in need of a lump sum of money for a new investment, to make a bulk payment or for a special purchase. Sometimes a note holder comes across an incredible investment opportunity, and wants to put as much money as possible to maximize his or her potential earnings. By selling the real estate note and investing the proceeds, they could make many multiples of what they would have made by retaining the paper until it is fully paid off.

Learn about a Land Contract Buyout

Sometimes after a homeowner sells his home, he or she will look for a land contract buyout in the future. Circumstances change and a seller who created a land contract real estate note will often not want to deal with it any longer.

There are many reasons why someone would legitimately want to sell their land contract note.

Some of the more common ones include: not wanting to deal with the paperwork hassles anymore; not wanting to live with the risk of the payor defaulting on the note; needing a lump sum of cash now to fund something, whether it be a business venture, medical emergency, putting a child through college, and so on.

Mobile Home Note Buyers Can Offer a Lump Sum of Cash

There are mobile home note buyers that will pay you a lump sum amount for your notes, either for the entire instrument or just a portion of it, called a partial buy. More and more people are choosing to sell rather than wait for payments month after month, and it's certainly quicker and easier than getting a new loan from the bank.

Although set amounts of money received regularly can be quite appealing, there comes a time when you might be considering retirement, or perhaps you have stumbled upon an incredible investment opportunity. Maybe you want to pay off a large, outstanding bill. Whatever the case may be, you might want to talk to a mobile home note buyer about selling your paper to get the immediate cash you need.

Finding a Cash Flow Note Buyer

A cash flow note buyer refers to a professional who will pay you a lump sum for all or a portion of any debt instrument you are currently holding. It could be a mortgage, a land contract, business note, structured settlement, lottery winnings or any number of other receivables. It's important to find a reputable, experienced note buyer in order to ensure you get what you deserve for your note.

Selling your note gives you immediate access to a large amount of cash, which can be used for investments, payments, or large purchases. You may be retiring, or perhaps you just don't want to have to wait for small payments month after month, year after year. Regardless of the reason, cash flow note buyers can provide this cash to you without the headaches and hassles of dealing with a bank or other lending institution.

You Can Sell Structured Settlement Annuities for a Lump Sum

If you are looking to sell structured settlement payments, now is a great time to do it. You now have access to a nationwide pool of experienced, professional note buyers thanks to the Internet, and the increased competition means higher cash payouts for you.

A structured settlement is essentially a financial arrangement set up for victims of injury cases whereby they receive monthly payments (annuities) to cover damages, loss, medical expenses, etc. As opposed to a lump sum payment, the claimant receives a set amount each month for a specified period of time. This payment is tax free, and usually works out favorably for both parties....the victim has a steady, tax-free income source to cover bills and the defendant doesn't have to pay out a huge amount up front.

Do you have a note to sell?

Our experts have researched dozens of top note buyers across the country to determine which are the very best.

In order to arrive at their top recommendation, they created a list of strict criteria which the company would have to meet. Only after meeting ALL of these criteria would a note buyer become a recommended resource for our visitors.

Finding a Top Business Note Buyer

With the advent of the Internet a top business note buyer is literally just a click away. If you know where to look you can find a leading industry professional that will give you a competitive quote for your note usually withing 24-48 hours. If you're looking for an immediate source of cash, there's really no easier way to get it either.

Seller financing has become quite popular these days, at it opens up the door to endless possibilities when it comes to selling your business, your house or other property. Yet often sellers, called the payees, find themselves in a position where they want or need a lump sum of cash. This could be for a new investment, a large purchase or even retirement. The small monthly payments just don't cut it anymore.