Today, there are more than 23 million businesses operating as sole proprietorships or partnerships. This accounts for more than 80 percent of all U.S. businesses, according to BizStats.com. Do these structures protect small business owners from certain liabilities, or if a suit was brought against them, could their assets be at risk?

There is a common misconception that limited liability companies (LLCs) or incorporated structures are absolute safeguards against personal liability. As a result, many business owners forgo arming themselves with a small business insurance plan.

While attention to quality control and seamless risk management procedures can reduce the risk of lawsuits, no organization can completely eliminate the threat of a claim. The expense associated with defending litigations, even on frivolous claims, can add up quickly and possibly put a company in financial peril. With just one claim, savings that took years to build can be wiped out and the owner’s personal assets can become vulnerable.

There are a few instances in which a small business owner could be personally liable, including:
. The owner acted in an irresponsible or illegal manner
. They personally injured someone
. The owner signed a personal guarantee for a loan
. The business is not operated as a separate entity

Businesses can prevent the financial pitfalls of defending a claim by arming themselves with a business liability insurance plan. Typically, with business liability insurance policies, four types of claims are covered: bodily injury; property damage or loss; personal injury, such as libel or slander; and advertising injury. A General Liability policy covers all damages, legal fees and settlement charges up to the policy limits for covered claims. This is usually packaged with Property coverage in a Business Owner’s Policy (BOP).

Typically, liability insurance coverage includes:
. Legal costs: General liability insurance will cover litigation costs such as attorney and witness fees, as well as settlement payments.
. Medical costs: Insurance will cover medical costs for individuals who may have been injured on company property.
. Property damage: Insurance will cover fire, theft or other incidents that damage the assets of the business. It insures the company from physical damage to the property as well as the customer’s property.
. Business interruption: Insurance will cover the business in cases of major disasters, such as a fire, that render the business inoperable. If the business is unable to operate, the insurance would reimburse the company for its losses and the profits that would have been made during that time.

Business owners should also consider Professional Liability insurance, also known as Errors and Omissions insurance, which protects organizations against claims of professional negligence and errors or omissions in professional work.

While the cost of safeguarding a business and its owner with liability insurance can be costly, there are several ways business owners can cut down on the expense, including:
. Shop around: Business liability insurance coverages range by company; read up on what is covered and what is not. Review small business insurance quotes from several insurers and compare rates.
. Consider a Business Owner’s Policy (BOP): Rather than purchasing separate types of insurance from various companies, consider purchasing a package of policies. When receiving a small business liability insurance quote on a BOP, be sure to understand what is included in the coverage. BOPs don’t typically include all types of insurance.
. Enlist a specialist broker: If the small business operates in a niche, it will often require specialized insurance to safeguard against unique risks. Insurance brokers will know what coverages are necessary for the business and know where to go for the best rates.

Company liability insurance safeguards businesses from various allegations of negligence, but it also protects them from having to absorb the fees associated with defending a frivolous lawsuit. Protecting the business from these risks provides a foundation for success. Business owners should invest the time to research small business insurance plans and understand what their needs are. It could mean the difference between survival and financial disaster

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For borrowers suffering the many humiliations large and small of debts increasing beyond their control, there are actually several different forms of debt relief available to average consumers. What may surprise most Americans, actually, is the extent to which bankruptcy will no longer be considered among the debt relief alternatives that seasoned financial advisors recommend to most clients. Three years ago, while the economy was still relatively robust and the media was distracted by Iraq war coverage, the congress slipped in a few seemingly minor alterations to the United States bankruptcy code that went on to weaken tremendously the protection available. Unfortunately, at this present time, with debt loads, inflation and unemployment spiraling even as property values fall across the nation, consumers are only now beginning to understand that the Chapter 7 debt elimination program they had always assumed to be a final outlet for unpayable burdens may no longer exist.

The full meaning of this legislation would take far too long to fully explain, but, suffice to say, court trustees must now strictly follow Internal Revenue Service guidelines before rendering any decision on the feasibility of Chapter 7 protection. Worse yet, even for those few borrowers whose incomes are sufficiently low for Chapter 7 to be a practical consideration, those that somehow manage to successfully declare for the debt elimination program will find that virtually all assets (including, by the viewpoint of the Internal Revenue Service, the computer you are reading this article on, the table that supports that computer, the rug underneath said table, and so on) are now subject to potential seizure for auction so as to immediately repay their creditors. Every consumer that fails to meet the new and comically harsh standards for Chapter 7 bankruptcy protection will instead be passed toward the Chapter 13 debt re-structuring program. This is, indeed, a form of debt relief, but, as with anything controlled utterly by governmental regulations that ignore the day to day needs of private citizens, it is debt relief of absolutely the ugliest and most damaging sort.

After a bankruptcy notice appears on the credit report, borrowers will at least never need to worry about debt relief again. After the recording of a Chapter 13, even though essentially all bills will be paid by the filer and rather more quickly than would be pleasant, said borrowers will never again have the opportunity to be offered credit accounts for many, many years. Even used car salesmen will back away, shaking their heads. To put it plainly, Chapter 13 has all the deprivations and forced budgeting of the harshest debt settlement programs alongside the credit shattering repercussions of debt elimination bankruptcy. The program does, in the loosest possible sense, offer some relief to debtors utterly without any other hope. There will always be a final outlet. Still, Chapter 13 should not even be talked about in the same breath as debt consolidation or debt settlement. It simply has no possible advantage or benefits compared to the other debt relief alternatives. Compared to robbing a liquor store or selling one’s organs, Chapter 13 protection may come out on top as a sound lifestyle choice, but only just.

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Serious structural problems in houses are not very common, but when they occur they can be difficult & costly to repair. Recognizing the symptoms of structural movement and displacement is the key to understanding the extent of the concern. When searching for a new home, or simply observing aging and changes in your own home, there are several key tips for areas to watch. These tips won’t turn you into a home inspector, but it will give you some of the common indicators of structural concerns. In these cases, a structural engineer should be called out to investigate further and provide a professional opinion.

Tip 1 – Leaning House
Take a macro-look at the home from across the street – is the house obviously tilting or leaning, or one edge of the home separating? Often most symptoms of problems can be observed at a macro, or big picture level. Before getting deep into the details of an area, take a broader view of the whole house and look for general problem symptoms.

Tip 2 – Exterior Walls & Entries
Look for areas of wall separation greater than ½” in size. Also, a combination of smaller cracks all running in the same direction could be an indication of settlement in one area. Some minor settlement cracks are always possible, but larger cracks that continue to expand over time are indicators of more serious movement.

Check the Chimney area well – is the chimney separating from the home? Often the chimney can move on its own, but many times this can be a good indicator that overall settlement or heaving is occurring.

Tip 3 – Doors & Windows
Do doors and windows open freely? Look for cracks around the edges of windows and doors, and for sagging lintels on brick homes. Openings in the home are often the first area to show signs of overall movement. Sticking doors and tough-to-open windows can be a good indicator that movement is occurring. Once discovered, look at windows and doors above this area, and look closely at the foundation below this area.

Tip 4 -Floors & Walls
Are there drywall cracks greater than ¼” in size? Are there uneven floors near corners? Diagonal cracking of the drywall around openings, as well as movement of the flooring, can both be indicators of localized settlement or heaving. Again, investigate above and below these areas, to search for further clues of settlement.

Tip 5 – Basement Foundation Crack
Look for significant cracks both inside and outside on the foundation, particularly near corners, around windows, and any cracks that run the full length vertically or a considerable length horizontally. Unfinished basements can provide the best opportunity to observe and inspect settlement issues. Use a flashlight and inspect along the basement walls, both inside and out, for cracking and movement.

Summary:
Tip1 – Is the house obviously leaning?
Tip 2 – Are there large external cracks?
Tip 3 – Are doors & windows sticking?
Tip 4 – Are walls cracked or floors uneven?
Tip 5 – Are there basement cracks present?

Any of these may indicate a structural issue that should be inspected or reviewed by a structural engineer. Structural concerns when selling or purchasing a home are the most costly items you can be faced with. Look closely at these areas, or ask you home inspector to focus on these areas in a separate walk through of the home. If you aren’t sure about something you see, have a structural engineer look at it. The cost of an inspection will be well worth the peace of mind in knowing the severity and extent of the concern. Using simple observational analysis and visual inspections can be the difference between solving a problem early on, and being faced with extensive, costly structural repairs.

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Cash flow notes for sale offer a variety of investment opportunities. Presently, more than sixty types of cash flow notes exist. The most common types include real estate, land contracts, seller carry back mortgages, business notes and structured settlements.

Buying cash flow notes for sale can be beneficial for all parties involved. However, it is crucial to engage in due diligence and obtain appropriate legal documentation. Doing so will ensure a safe and profitable investment opportunity.

Real estate cash flow notes are secured by tangible property. Nearly any type of real estate can be used to secure real estate notes including single and multi-family dwellings, manufactured or mobile homes, condominiums and apartment buildings, commercial properties and raw land.

Investing in real estate cash flow notes can be risky. Financial experts recommend retaining the services of a real estate attorney to ensure proper documentation of transactions. Considering today’s economic recession and downturned housing market, careful consideration should be given when purchasing real estate notes.

Business notes are a popular choice for investors. Three primary types of business cash flow notes exist including: Factoring, purchase order funding, and seller carry back financing. Each type uses business assets as collateral.

Factoring involves using accounts receivables to secure the business note. Receivables are sold to a funding source referred to as the ‘Factor’. Factors can be a private investor, group of investors, or lending institution.

Purchase order funding is similar to factoring. The only difference is customer purchase orders are used as collateral to secure the note.

Seller carry back financing is one of the more popular types of cash flow notes for sale. Seller carry back financing is used to fund both business and real estate transactions. With the current economic recession, investors, business owners and property owners are turning to seller carry back financing.

Using seller carry back financing, owners carry all or part of the financing. Some owners finance a percentage of the purchase price while others will carry all of the financing. Seller carry back cash flow notes can be sold to investors in exchange for lump sum cash.

Another popular cash flow note investment is that of annuities. Structured settlements are used to compensate individuals who have been injured due to negligence or those who win jackpot lotteries.

Structured settlements are paid over a specific period of time through annuity payments which are backed by life insurance companies. Individuals who receive annuities can sell all or part of their payments to a private investor of funding group.

Annuitants must obtain court authorization to sell annuity payments. In most cases, structured settlement payments are arranged to provide Annuitants with financial security. Therefore, a true need to sell the structured settlement must be provided to the judge. Courts will not approve the sale of annuity payments if they feel it will cause financial harm.

Investors interested in investing in cash flow notes for sale should take time to become familiar with the process and types of cash flow notes available. Doing so will ensure investors obtain a good return on their investment.

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Annuities represent a form of payment, in which there are two sides involved and in which the payee will get a certain sum of money each year until all the money will be received and the contract will expire. The agreements for the annuity are made by individuals, companies or government agency in order to safely dispose of retirement income.

Thus, the annuities are a form of investing your money in; you can pay for them on the spot or you can wait until the investment matures. The proceeds you will make are subject to taxation and to having interest rates ,either fixed or  variable. Therefore, for those being on annuity plans and receiving money, the payments could be received in fixed premium shares or flexible premium shares.

In the current way, the payments come in different shapes and sizes, like the investment annuities, the structure settlements, the lottery payout or in the form of compensation for the workers. Like it was discussed earlier, you might need to wait a couple of years before you can receive payment and before the investment matures enough so that you can start earning money back.

Even so, there are numerous selling programs that offer attractive package  and the agencies offering the plans ensure that the clients will not have to wait too much for the annuity payment to come. The payment can start to be received immediately, without having to wait for the customer to reach the retirement age. Some private companies even tackle in buying investments as well. They have been working in the industry long enough as to inspire confidence. Therefore, these companies are experts in allowing customers to receive payment and they can be trusty worthy enough so that it is worth you invest and securely place your money in.

When approaching such companies in order to provide you guidance and assistance in making your investment, it is a good idea to go to a company that is known for the strong relationships it has had with the customers and with the clientèle. Remember that the money you have toiled long enough and hard on it is in the game so you don’t want to be making any foolish things with your money. Also, remember that you might be obliged to cash the annuities out so be careful when you decide on dealing with the company.

Once you have initiated contact with the company, you need to wait for their response. This response time can vary because the company might not have an immediate answer for your request. By the time they will reply back, it might be too late for you to receive the first payment and therefore, you need to plan accordingly. Typically, a company that respects itself will send you the response quickly enough but cases might vary in circumstances.

Selling the annuities and making other transactions with them is not on everybody’s mind. The agent you will deal with is advised to have some things done before. Things like signing papers and having a check back to you in return are normal things on the agenda. Also, remember that you will need to ensure some legalities are done in that you might need to become involved in doing paperwork so that everything will run smoothly with your payment. Moreover, you need to be aware and fully grasp the significance of all the papers you are signing, because remember it is your money that you are playing with right now.

If you find that the agent you have chose does not do much to help you get things done, then you should quickly switch sides before more damage is done. If you dispose of some extra time, just go and do it yourself and then look for someone else, really reliable that you can count on when dealing with your affairs. Thus, you will be able to see how things are doing and thus, you will not be fooled when dealing with the money that you have earned.

Not being taken as granted for things will ensure that you have understanding of how things are going on.

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 Imagine that you’re a boxer, facing your opponent before an important bout. The referee recites the rules and says he wants a fair fight, then sends you both to your corners to wait for the bell. You’re ready to rumble. But there’s just one problem. The referee works for your opponent.

Fair fight? Hardly, but that’s the situation many Texans might find themselves in this hurricane season. Because if you have to submit a claim, you’ll quickly learn that the claims adjuster — the person who estimates damage and the cost of repairs — works for the insurance company. So he may be more interested in keeping costs down for his employer than in making sure you’re paid enough for complete repairs.

Many insurance claims are handled this way. Which is why millions of dollars rightfully owed to policyholders stays in insurers’ pockets. And most people don’t even know there’s an alternative.

But there is — a public insurance adjuster. And just as you wouldn’t go into court without a lawyer, or go through an IRS audit without an accountant, you should never let your insurance company decide what you’re owed without a public insurance adjuster.

 Whatever the claim, you need someone in your corner.

Hurricane. Fire. Burst pipes. Vandalism or burglary. Virtually everyone sustains some kind of loss to their home or business at some point, especially in tornado/hurricane-prone Texas. And the stakes are too high to leave your payment to the party writing the check — your insurer.

Public insurance adjusters are licensed by the state of Texas to represent your interests through every stage of the claims process: preparation, filing, adjustment, negotiation, and settlement. They can even help you re-open a claim that’s been closed for up to two years, recovering additional money for repairs, replacements and upgrades. And if you’re ever notified that your claim is denied, a public adjuster should be the first call you make.

Having this kind of advocate on your side is especially important right now, because estimates of hurricane damage can vary widely. The insurance company’s adjuster is likely to estimate on the low end; that’s why your public adjuster can routinely achieve settlements of 50, 100, even 200 percent higher than the insurer’s offer.

“The insurance company will often want to pay for cleaning and painting a damaged area, or replacing only part of the affected area,” explains Alex Step, of United States Public Adjuster (“USPA”). “But cleaning and painting might not be enough — there could be structural damage you don’t see, like mold or wood rot. And because building codes are stricter now, you could be entitled to a whole new, upgraded roof — not just repairs to the damaged area.”

Most adjusters at USPA are former insurance company adjusters with extensive experience in estimating damage caused by hurricanes, fires, floods, fallen trees, lightning, you name it. That’s important, says Step, “because you need people who know the process in and out — who know all the tricks of the trade.”

Do you want the money in your pocket — or the insurance company’s?

The average homeowner may have only one major damage claim in his lifetime. “It’s just not possible for a homeowner to knowledgeably argue for a larger settlement,” says Step. “There are too many factors involved — age of the home, the possibility of hidden damage, the fluctuating costs of labor and materials.”

And a public adjuster doesn’t only help you with the damage claim. You may be entitled to reimbursement for additional living expenses or temporary repairs before the real replacement work starts.

“It’s no different than tax or legal matters,” says Step. “Without the assistance of expert professionals, the little guy is at the mercy of the big guy.”

In short, not having an experienced public adjuster in your corner could cost you big money. And with hurricane season upon us, that’s something to keep in mind — before you have to duke it out with your insurance company.

Frequently Asked Questions About Public Adjusters

Q:  What is a public insurance adjuster?

A:  A loss adjustment expert who represents you, the homeowner, in the preparation, filing, and resolution of your insurance claims. A public adjuster is tested, licensed and bonded by the state of Texas.

Q:  How can a public insurance adjuster help me?

A:  Your adjuster relieves you of the many time-consuming and difficult details involved in preparing and filing your claim — and helps you receive a prompt and fair settlement.

Q:  Why should I engage a public insurance adjuster to obtain what is rightfully due to me?

A:  You’ll have the advantage of the public adjuster’s experience and knowledge of repair costs and the claims process. Insurance companies offer to pay what is due to you as they see it. Public insurance adjusters are your exclusive representatives. With their experience and knowledge they are better able to obtain a more favorable adjustment for you, the insured.

Q:  How do adjusters determine the actual loss?

A:  They take a physical inventory, obtain all pertinent appraisals and make sure all provisions in your policy are properly fulfilled. This often involves subjects you know little or nothing about. That’s why a thorough inventory made by an adjuster on your side can make a significant difference in the amount of the final adjustment.

Q:  How much do they charge for their services?

A:  Your public insurance adjuster’s charge is a percentage of the insurance company’s settlement with you — usually 10 percent.

Q:  In the event of a loss, what steps should I take?

A:  Promptly report the loss to your agent or broker, or directly to the insurance company — then immediately retain the services of an accredited public insurance adjuster.

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Many people have monthly payments coming in from a structured settlement, annuity, lottery winnings or from property in which they hold the mortgage. Often these people find that they are in need of the total amount rather than monthly payments over time. Usually these note holders are people that need the money for increased investing ventures or for reasons of financial stress. Whatever the reason may be, they need someone to purchase the note from them for a lump sum of cash in return.

A cash flow note is nothing more than selling a monthly note, such as a structured settlement or mortgage note, for a lump sum of cash in return. These transactions take place everyday in the United States and is booming business for people who actively pursue cash flow notes as a source of income.

Usually, the process of selling a cash flow note starts with the seller locating a note buyer. A note buyer is someone that buys notes for investment purposes and income streams. The note buyer has certain criteria and standards the note must meet before the note buyer will purchase the note. The note buyers evaluation process typically consist of different factors including the type of property, interest rate, the balance remaining on the note and the credit of the payor. The note buyer does these checks to estimate if the note is worth the risk he will assume if he purchases the note. The note buyer must consider many variables before agreeing to the purchase the note including bankruptcy by the payor, declining interest rates or the payor defaulting on the note.

In order to compensate and offset the risk, the note buyer will offer less than what the value of the remaining balance of the note is in order to make the risk within tolerable limits should any of the above factors occur. Although the note seller will not receive full value of the cash flow note, the seller will receive a lump sum of cash freeing up cash that would otherwise take years to receive in full. Some note holders need to liquidate to increase their portfolio and purchase other notes with a higher interest rate making more money than they would on the previously held note.

This is referred to as the time value of money and which means that the present value of your money is more than the future value of your money. Selling a low interest note and taking a lump sum payment and investing in a higher paying note earning the difference in your new investment. Selling a note to a note buyer can have a faster turn around time as well, rather than applying for a loan from a bank or lending institution. Cash flow note transactions can take up to two weeks, maybe less, whereas a loan could take a month or longer for approval.

Cash flow note sales are a viable way for a note holder to free up cash for liquidation purposes, taking the money and investing it elsewhere for a better return. Or in some cases, a note holder may need cash for emergency reasons or for health related reasons and selling a note is a quick way to acquire much needed cash. Although selling note is quick, a note seller should always do their due diligence on a potential note buyer before ever agreeing to sell the note.

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Subdivisions are mass graded. This means an undesirable building location(lots of steep grade are uneven lots) is transformed into individual flat or moderately sloped lots by movement of dirt. This usally includes removal of soil at hill(the cut lot),which which is them imported to other areas on site to create fill areas(the fill lot) or cut-fill areas(transitional lot).Cut lot tens to perform well since the soil is undisturbed where the hill was removed.Fill lot can compact more once the home is completed;this movement,however,is usually uniform and rarely cause distress th the home. These condition are consider when inspecting a home when built from mass graded lots. The homes soil,and foundation are in constant movement and forces fighting against one another.New homes may not give any indication of foundation issues for several years down the road.Although there are methods for inspectors to gauge that accurate standards were followed site prep,and adequate footing drains to help with hydrostatic pressure against the structures foundation.A strong foundation and proper lot drainage is the key to a stable foundation.In a perfect world every property would be built on the perfect lot,but as I know and you should as well this can not always be the chase.

A structure is expected to stand up. The force of gravity is constantly working to bring it down.A structure has to be designed to resist gravity.It must support its own weight,which is called DEADLOAD of the structure.It must also support the live load which are imposed open it,which include the people inside,the furniture,and other weight such as snow,and the materials used in the roof structure skeleton.

A structure does transfer its weight through the exterior walls,and load bearing partions to the foundation which in then transfers the weight to the soil through the footing.Not only is a structure expected to stand up, it is also expected to stand still. The structure movement is partially determined by the conditions of the soil support the structure,and proper drainage around the stucture.When the ground below the house fails,the house sinks, soil moves. The foundation resists the pressure of the soil against the structure.Homes built on the proper site should be built strong enough to resist this natural pressure.

MOVEMENT:

The effects of settlement and movement on a home and their effects on the rest of the structure are not always obvious.While some signs are obvisous,other signs might need more in depth study to determine the cause of underlying issues.Wall cracks appear as the result of overloading or because of settlement or heaving. The location of the cracks can be a clue to what is going on to the foundation.

Is a dynamic system.Soil Moves.A house built on the bottom of a hill can have soil moving toward it over time and exerting more and more pressure against the foundation.It may be pushed from its original position.

WINDS

Plays an effective upon a structure.With heavy winds theres forces of pulling,and uplifting.Structures must be strong enough to resist these forces as well.

Vertical Cracks:

Are most often caused as a result of settlement of the structure,soilcompacting,or soil washing away under the footings.It occurs when there is an upward overload force next to a downwards overload force. They can also occur after remolding,when new dead loads are added to the structure,or by adding very heavy live loads.

Vertical cracks that extend down to the footings may be serious and should be investigated carefully. This could be cause by uneven settlement of the building and could indicate the wall is separating-one part settling more on one side of the crack than the other. The crack extending to the footing could also indicate a failure of material such deteriorating block,decayed mortar,or weak concrete,or improper construction standards.

Angled Cracks:

Appear when the upload and download force offset each other. They can appear when there is major difference in the soil under the home from one location to another,heaving of the soil,and resulting footing failure.Angled cracks can appear in pairs,where a load in one direction is offset by a pair of loads from other direction.When a crack is a single corner of the house,it can indicate a broken footing because of the soil underneath,expansive clay soilsor even the uplift from heavy tree roots in that location.

Horizontal Cracks:

On the foundation stem wall can indicate pressure being applied from the outside. The cause can be soil pressure against the wall,improper backfilling,and surface problems such as poor downspouts,Grade of lot,surface water drainage that allow water to pool around the foundation and increases the pressure pushing against the wall.When the wall is actually displaced-when the surface of the wall is out of alignment and the crack is wider on the inside face of the wall,serious problems can result.

There are other cause for horizontal cracks in foundation walls. There could be a vertical overload on the wall.Or the crack could be caused by settlement,where the wall has dropped when the soil underneath settled.

Internal Stresses:

The integrity of a structure depends on each individual structure members.A structure is in a constant state of Stress as individual member extert forces upon each other.For example,Floor joists spanning the structure would sag without the restraints and support provided by girders,which in turn push on supporting columns. These supoort systems must work in concert with each other without excerting more load to one another and resulting in damage.Structural member have two forces working on them at all times compression,and tension.Members of the structure has forces such as shearing,and bending.Individual members may fail under these stresses.A home inspection, the inspector looks for these underlying problems.

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Generally, income as a result of personal injury is not taxable, depending on the specific type of award. However, some areas are taxed as income. For this reason, and the fact that there is a certain amount of gray area when settlements are not categorized into specific taxable groups, many settlements are set up in a structured settlement, often as an annuity, to completely avoid paying tax on the award. This is one of the primary advantages to a structured settlement.

However, it becomes a completely different tax beast once the structured settlement is sold. In the last few years, several companies have surfaced offering to purchase structured settlements from individuals wanting to obtain a lump sum of cash in exchange for periodic payments. While the general rule is that awards (that are taxable) are considered as income during the year they are awarded. However, once the money goes into a structured settlement and is sold, the proceeds may lose the tax-free status. This is even more a concern since new legislation has gone into effect trying to limit the ability to transfer structured settlements.

In 2002, President Bush signed the initial round of legislation to stop settlement funding abuse, in what was then perceived as a shady business. As a result of those laws, as well as proceeding statutes, there are very strict requirements to buying a structured settlement. In fact, many states require court approval before any sale can take place or an additional 40% tax is placed on the proceeds of the sell. The reason for this is supposed to be to protect people from paying high interest rates and selling a structured settlement for considerably less than its real worth. For in-depth tax questions in your state, it is best to contact a local tax advisor.

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Here’s the good news: Lenders and servicers don’t like to foreclose on mortgages. Foreclosures cost more than can be made back, so lenders foreclose only as a way of limiting losses on a defaulted loan. If homeowners get behind on payments, lenders likely will work with them to bring the loan current. In order to do so, however, the owner must stay in communication with the lender and be honest about the financial situation. If you are not able to spend countless hours waiting on hold or don’t feel comfortable with talking with your lender, foreclosure assistance companies such as Troubled Homeowner can help. Contact foreclosure assitance company in your aware but beware of scam artist.

The lender’s willingness to help with current problems will depend heavily on past payment records. If the owner has made consistently timely payments and had no serious defaults, the lender will be more receptive than if the person has a record of unexplained chronic late payments.

For those falling behind in payments or who know they are likely to do so in the immediate future, they should contact the lender right away about meeting to discuss alternative payment arrangements.

The lender will ask for information about monthly income and expenses. Owners must use realistic figures based on their current financial situations. The lender will also ask about assets and liabilities, including all debts and monthly payments and when they are due. If the lender needs proof of income (pay stubs, unemployment check stubs, tax returns, etc.) he or she will let the owner know. Remember, lenders do not want to foreclose.

Lenders Often Times Can Help
An agreement between borrower and lender to prevent the loss of a home is called a loan workout plan. It will have specific deadlines that must be met to avoid foreclosure, so it must be based on what the borrower really can do to get the loan up to date again.

The nature of the plan will depend on the seriousness of the default, prospects for obtaining funds to cure the default, whether the financial problems are short term or long term and the current value of the property.

If the default is caused by a temporary condition likely to end within 60 days, the lender may consider granting “temporary indulgence.” An example of where this would be considered is a house that has been sold but the sale has not settled; another is a pending insurance settlement. The lender will want documented evidence, such as the sales contract, before granting indulgence.

Those who suffered a temporary loss of income but can demonstrate that the income has returned to its previous level may be able to structure a “repayment plan.” This plan requires normal mortgage payments to be made as scheduled along with an additional amount that will end the delinquency in no more than 12 to 24 months. In some cases, the additional amount may be a lump sum due at a specific date in the future. Repayment plans are probably the most frequently used type of agreement.

In some cases, it may be impossible to make any payments at all for some time. For those who have a good record with the lender, a “forbearance plan” will allow them to suspend payments or make reduced payments for a specified length of time. In most cases the length of the plan will not exceed 18 months and will stipulate commencement of foreclosure action if the borrower defaults on the agreement.

These plans represent last-ditch efforts by borrower and lender to keep the borrower in the home. They are not a substitute for good financial planning and likely will not be available if the borrower’s payment record is poor. Lenders or servicers may work closely with good borrowers who are having a period of real emergency and hardship, but they are not inclined to cooperate with those who demonstrate little financial discipline.

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What is an annuity? An annuity is a regular monthly income stream that a person receives after an initial investment of money. Answering the question, “What is an annuity?” is a lot more complicated, of course. Annuities can be very complex and come in many different forms, so it’s important to learn all you can about them before purchasing and selling. As with everything in life, knowledge is power, so it pays to know more about annuities before you get involved. Once you’ve researched more about them, you can move forward with confidence and make decisions that will benefit you the most.

You must sell an annuity in order to receive a lump sum payment from it – this is the main reason why people sell annuities. Annuities are generally safe investments, but they don’t have high returns, especially when compared to the alternatives. However, they make great short-term investments – it all depends on what you plan to get out of your investment strategy. Diversification is recommended for most people as a way to spread your assets around and reduce risk while increasing the potential for profit.

Oftentimes people sell annuity payments to make a large purchase. Instead of receiving monthly payments you get a full amount in one payment. This can be very helpful if you want to buy a home and finance a large down payment, or purchase a vacation property. The best way to sell an annuity is to find a reliable company to sell it for you. A large company makes annuity selling easier because they have the funds and the experience to make it happen. Of course, there are downsides to selling an annuity through a larger company – you have to pay a fee and you may not get as much for the annuity as you hoped.

You can sell annuity plans in another way, although this isn’t the most popular choice – directly to someone wanting the annuity. Annuity selling through this method involves a lot of legalities in some cases but it’s not impossible to do it on your own. There are many annuity selling opportunities online that can help you sell annuity plans quickly and easily.

There are other ways to sell annuities as well, such as exchanging for other annuities or using them as collateral for a loan. To sell annuity plans you can get rather creative. For example, annuity selling that involves an exchange could work like the following – swap out a smaller payment over a long time period for a larger payment over a shorter term. This is a good option if you can’t sell the structured settlement for a lump sum. You can also make a full swap, if annuity selling doesn’t work out for you. This involves exchanging with a company or individual for an annuity that may be easier for you to sell on your own.

Although the latter method charges more fees and takes longer for all the transactions to be processed, it can yield exactly the results you may be looking for. Using your structured settlement on a loan is not recommended, but if the interest rates are low and you’re willing to go this route, it’s a viable option. This method gives you a higher yield on your annuity and you get the lump sum to use as you please.

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• Sell Your Structured Settlement, Annuity, & Lottery Payments

Whiplash, a painful neck injury, is usually the result of a car accident but, at one time, it was known as ‘railway spine’, because of injuries received in train accidents. Around 1928, the term, ‘whiplash injury’, was first used. It is a general term for damage to both the bone structure as well as the muscle and soft tissue of the neck. Whiplash associated disorder is a broader term used to describe a more severe, chronic condition.

Anyone who has ever had a whiplash knows the pain that comes with it. For a while, if a person was involved in a car accident and then claimed symptoms of a whiplash injury, he was often regarded with suspicion. Some even went so far as to suggest that complainers were seeking generous insurance settlements. There were sneers that complainants were not suffering from a real injury but were just complaining for monetary gain.

In the past, if there were no broken bones, an actual injury was hard to document as soft tissue injuries did not show up on an x-ray. As a result, insurance companies would deny all coverage. When a patient was really suffering, this just added insult to injury. It didn’t help that their misery was often scoffed at. It was fakery and the patient was a liar, a fraud, or, at the very least, a raving hypochondriac. Some people, who had genuine whiplash injuries and obvious symptoms from car accidents, actually refused to seek medical treatment. They dreaded the raised eyebrows and skepticism that often greeted the symptoms of whiplash. Some said they would rather deal with their pain than the suspicious attitude that was encountered in hospital emergency rooms.

Clinical studies were eventually undertaken to investigate the whiplash issue. The conclusions were, that while there would always be the unscrupulous few who were trying to exploit an insurance company, most claims were legitimate and a whiplash caused pain and some long term damage. It was vindication for the injured; a whiplash was a real injury with real symptoms.

Consider How It Happens
Most whiplash injuries occur as a result of a riding in a car which collides with another vehicle or is hit from behind. The head is suddenly jerked forward and then back, stretching the ligaments and muscles, which can be torn. In a rear end collision, the victim’s car is pushed forward and then, if he has his foot on the brake or his car slams into the one in front of him, there’s another sudden jolt, snapping his body forward while his head snaps back, stretching and damaging the muscles and cervical spine a second time. If the victim is not wearing a seatbelt, he may hit the steering wheel with force or strike the windshield. The neck is most vulnerable to injury in this type of accident but the muscles of the upper back may also be damaged. Studies show that a whiplash injury can be the result of an accident, even at a speed of 15 mph.

Injuries
• The cervical discs, the soft cushion between each vertebrae can bulge, tear or rupture.
• The cervical vertebrae can be popped and forced out of position
• The spinal cord and nerve roots can be stretched and irritated.
• The muscles and ligaments that support the neck can be stretched or torn.
• Inflammation of soft tissues develops as a result of nerve root compression
• Muscles of the upper back can be over-stretched.

Car accidents are the most common cause of whip lash injuries but a sports injury, such as a skiing accident, can also cause these painful symptoms.

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If you purchasing a home and you are obtaining a VA or FHA loan to do so, that information must be included in your written offer. This is necessary on these government insured mortgages because these mortgages place additional financial cost and performance obligations on the seller.

FHA and VA insured mortgages prohibit buyers from paying certain types of fees that are often charged by escrow companies, lenders, settlement agents, etc,.  These fees are called non-allowable fees. The fees still get charged but as the buyer, you are not allowed to pay for them. What results is that the seller ends up paying the fees instead of you.

Most of these non-allowable fees are charged by your lender.  Before you make an offer you should have already been pre-qualified for financing by a loan officer. If you are buying a DFW For Sale By Owner Property or your DFW Realtor can ask how much the lender’s non-allowable fees will be. Experienced Realtors should also have an idea of what non-allowable fees will be charged by their preferred escrow company and title insurance company. 

Since these are fees the seller would not usually pay on a sale with a conventional mortgage this information must be included in your written offer. Realize that since the seller will be paying these additional fees, they may be less negotiable on their price of their DFW Home for sale. You can have your Realtor search the powerful DFW MLS for property listings that advertize that the seller is willing to pay a certain amount of closing cost on the buyer’s behalf.

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If you’ve come to this stage of your search, you’ve already made the decision to either sell your structured settlement payment or to find a broker to deal with the company that is paying out your structured settlement, either way; you know you need to make the right decision. Of course it is, choosing someone to broker your structured settlement is pivotal to maintain a healthy financial situation currently and in the future. Depending on whom you choose you can feel safe in your investment and decisions or petrified. Finding the right structured settlement broker, is as simple as knowing exactly what you should expect from a professional structured settlement broker. So, to find you the perfect broker, we’ve discussed in the following article exactly what your structured settlement broker should be doing for you. Before you accept a broker, please make sure that all the services we are discussing is something they offer in their own services to you.

A structured settlement broker can help you gain a fair value of the costs and projected income that you will receive from a specific structured settlement. Your broker, ideally, should be giving you all the information that you need to make a wise decision for your future lifestyle and monetary needs. Another responsibility of your structured settlement broker is to do financial analysis for you, derive all of the present and future costs of your settlement, and interacts with the Medicaid and to negotiate with and on your behalf to get the best possible settlement for you. If you have not yet decided the contractual terms of your structured settlement plans then your broker will work with your attorneys or in most cases have their own legal team work out the details to avoid numerous litigation costs for you.

A broker should ideally sit down with your attorney and discuss all the financial implications of your case. Having an expertise in this field will better enable them to estimate the medical expenses endured, present income and a loss of income for the bodily injuries that were created while this court case was in process and before the court case actually begun. Even after the court case has been completed, your broker should be there making sure that the negotiation process was followed accurately and according to the official guidelines that were originally asked for. With a structured settlement broker, your attorney will be able to create a powerful case for you in which ever matter is currently pending. Due to the fact that not all attorneys are experts in structured settlements, it is important to have someone who will guide them in that specific area.

A broker for a structured settlement firm will be able to offer you various payment options and explain the difference between each one, according to your specific life-style and future monetary needs and depending on the injury that you currently sustained, they can offer you the best course of action. Make sure that your broker sits down with you and explains everything to you before getting an official declaration for the structured settlement plan. Only if these few requirements are met of your broker, then you should hire him. Remember, this is an important decision that should not be taken lightly.

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A structured settlement, in the most basic definition, is an arrangement made with a plaintiff in a personal injury lawsuit that allows the plaintiff to recover their judgment over a longer stretch of time instead of as a single lump sum payment. There are specific reasons why a structured settlement can be a very good option, and there are situations where a structured settlement probably isn’t worth it.

First off, it’s important to understand the overall benefits of a structure settlement. With a structured settlement, you are not required to pay taxes on the disbursements. This avoids the large tax payment you would probably need to make on a lump sum payment.

Receiving a lump sum payment can also make you a target. Whether it’s a long lost relative who suddenly has a need for cash, or whether it is a con artist that follows court proceedings to find potential victims, a structured settlement helps you avoid some of the hazards of a lump sum payment.

A structured settlement can also help provide security to you. With a lump sum, there is always the danger that you could make a poor investment and lose it all, or that you could simply overspend. A structured settlement insures that you receive compensation over the long haul.

On top of all of that, a structured settlement can also be beneficial for the defendant. In many cases, a defendant may not have enough to pay a lump sum. This can help to insure that you’ll actually receive your payment.

There are many factors that should go into the decision on whether or not to accept a structured settlement. For example, if your ability to work has been diminished because of the personal injury, you may definitely want to consider a structured settlement. The same is true if it is expected that your health will continue to deteriorate over time. If your medical liabilities will increase, it is important to have a way, in the future, to cover them.

On the other hand, if you have accrued a large amount of debt as a result of your personal injury, it can be worth considering a lump sum payment. Also, a lump sum payment may allow you to, over time, actually receive more money if you can invest it wisely. Weighing all of these factors with your family, attorney and financial planner can help you decide whether a structured settlement is right for you.

Edward Cunningham is an experienced personal accident claims writer with a number of years experience. He has written several articles on accident injury claims.

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Most of the individuals who are awarded structured settlement plans are very unwise and do not wish to wait for the number of years for the full amount to be paid out, especially if it is a structured settlement payment plan that has been decided to be paid out over the beneficiaries entire life-time. These people want the entire amount to be paid out rather in one big sum, rather then getting however many smaller sums. This is where Structured Settlement purchasing companies found a niche to develop a market for their services. These purchasing companies help beneficiaries receive the entire full amount in one lump sum instead of receiving it over a number of years.

With Settlement Purchasing companies, they help you get cash instantly, especially if you are in a desperate, urgent situation where you need the cash almost immediately. The wonderful and possibly the fortunate thing about structured settlements is that through any stage of the actual settlement you can actually exchange your life-time or year payments for one big payout. In this regard, structured settlements are very flexible. The only thing that you now need to know is how to go about actually getting cash for your structured settlement payment plan. But why would someone with a secure investment give this up?

Usually, beneficiaries run into financial difficulties that cannot be sorted out in an alternative manner and then they would rather take their structured settlement out in a big sum, so that this can be handled with, another reason for a few people, is that they would rather invest the money in their own manner then having the money being paid out in small amounts that they believe will not provide them with a good average return. If you are financially smart and know what you’re doing, taking this out won’t be bad.

Structured Settlement Purchasing companies buy your structured settlements at a discounted rate. These discounted rates are equal to or, occasionally, more than the existing bank rates. A purchasing company can sometimes have a much higher discount due to that fact that they want to cover the risk involved in purchasing a structured settlement and make a profit at the same time. This is why you should be wary about selling your structured settlement to a third party. In the long run, you will lose your money, whichever way you look at it. Ideally, before you make a decision on if you should allow a company to purchase your structured settlement you should speak to a financial advisor you trust or hire someone to take a look through your financial portfolio.

The advantage of going through a purchasing company is that they can offer many different flexible plans for you to actually have your investment bought off you. Speaking to your purchasing company about all the different options you can have is especially important to make sure you are making the correct financial decision for your life. Depending on your specific needs, the purchasing company will suggest a particular course that you should take with your plan. The important thing to remember is that, in the long-term, you are doing right by yourself and your family.

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A structured settlement transfer if commissioned by a judge, an individual will usually be allowed to sell all or part of their payments, which are a financial understanding that a plaintiff accepts as a result to an individual injury claim.

Mostly speaking, the agreement will include a docket for when payments will be made. Some online research indicates that once the transferred payments are given to the third-party purchaser, all remaining payments retained by the original owner will resume.

Structured resolutions are a comparatively recent development in the legal world. An online search suggests that they date back to about the early 1980’s. Several countries in addition to the United States allow payments as an alternative to lump sum payments.

A structured settlement transfer does have many advantages. Plainly, having a broad sum of money all at once will open a number of financial doors. The money can be used for such things as paying off bills, paying college tuition, or even taking a dream vacation.

Once an individual has picked up the cash from the sale, he or she can fundamentally do with it as they please. Perchance a small celebration of sorts may also be in order because getting the money through a structured settlement transfer is not going to be rapid and cheap.Third-party buyers entangled in the structured settlement transfer are out to make a profit.

So, despite what a catchy television, radio, or online advertising might say or evoke the purchaser is not really concerned with the well-being and best interests of the person selling the structured settlement.

Obviously, the financial foundation will want to get the settlement for as little money as possible.

Therefore, the understanding will be bought at what is known in economics as present rate. Because the world of finance and economics are in a continuous state of fluctuation present value will most likely be far less than the total amount of money of all future payments.

Also, application fees, legal fees, and ending fees will gain the cost of the sale. Since the transaction is a legal issue, don’t expect it to get processed promptly.

For more information on. a Structured Settlement Transferand many free resources and links for all your structured settlement questions

Visit here http://www.rpnichemarket.com/structuredsettlementinfo/index.php

Thank you,

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Purchase Structured Settlements When a massive sum of money is stretched out over many of months, or years, there can be some tax rewards, and it does verify the receiver of future income. By requiring a large lump sum of money all at once, the individual who

receives it gets a large amount of revenue all at one time, with nothing set aside for the future disbursements. Individuals who are damaged and have circulating medical expenses will need a tidy sum of money for their future care, and a structured

settlement is good for that purpose. Sometimes, all the same, the receiver has a good reasonableness for wanting a significant amount of  cash instantly, instead of the smaller amounts over time. They might want to go to college, or buy a house, or take another good

understanding for taking some, or all, of their settlement money up front. This is a good time to consult the companions who purchase structured settlements.   On That Point there is a fee charged, from around

10 to 30 percent of the money gained, and the transaction is similar to realizing a payday advance, except for a lot more money, and the refunds go straight to the company that bought out your settlement.

It is attainable to have them buy just a piece of your settlement, so you get a lump sum of money now, and whatever remains would go on  as before, but in a lesser amount of money. You would still get some future income, but not as much.   When resolving to sell a

settlement, it may be required to acquire courtroom approval. That is one manner that the legal system acts on your behalf, to be sure you are practicing this for a good reason, because the  structured payment system was resolved upon for a soundly understanding also.

Require the time to study several companies who purchase structured settlements before you take action. Often times, smaller  competitors extend stronger rates and terms than the essential names like Peachtree and JG Wentworth.ee and JG Wentworth.

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got injured on 1 assignment and will be collecting partial workmans comp from them but other job doesnt propose light duty so can I collect short residence disability that they offer surrounded by addition to the workmans comp. Technically yes, but…

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Structured settlements started coming into being during the 1980’s, when courts awarded amounts to be paid to plaintiffs and the person charged with this amount could not afford the entire lump sum immediately. Then, the structured settlement was born, where this lump sum would be paid of in a particular schedule of time. This included weekly, monthly or yearly payments depending on the contract signed between the two people in the legal action. Specific dockets would be made out detailing the payment plan. How far we have come since then. We have structured settlement claims happening on a daily basis through our judicial system, more and more people are finding the need to educate themselves on this specific area of expertise.

A structured settlement is generally awarded by a judge, who hears both sides of the story and then decides on an amount to be paid to the plaintiff, this amount is then paid out by the company or person responsible for this specific payment. If you transfer structured settlements to a third party, such as a structured settlement purchasing company or a structured settlement broker, the original owner will still need to make the payments for this docket. However, what are the advantages of structured settlement transfers?

If you transfer your structured settlement, you will be able to have a large sum of money to be able to spend on bills, college tuition or for a new car or a deposit on a brand new home. The options are limitless; it is also beneficial to sell your structured settlement if you want to manage your own investments. Because you have a standard return on investment on your structured settlements, selling your settlements will give you the option to have a large sum of money to manage your investments.

Another reason to sell your structured settlement is if currently you have debt or medical expenses that urgently need to be paid off. In these difficult times during the recession, you will find it will probably be better to actually sell your structured settlement then borrowing money from the bank. With the high interest rates, especially if your credit rating is bad, your interest will be very high. Using your structured settlement plan will be able to afford you the opportunities to not get into further debt and to clear your financial record completely.

The fact of the matter is, having this type of money when you need it, is beneficial to you in terms of knowing that in the future you are financially secure with regards to money problems. However, most importantly, even though it is advantageous to sell your structured settlement, you should always make sure with a structured settlement broker whether or not it is the correct climate for it. Speak to someone you trust or hire a broker to work out the financial implications of selling your structured settlement.

After all, being careful when selling your structured settlement will make sure that in the future, even though you have sold your annuity you have used it in such a manner to better your financial situation.

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• Structured Settlement Transfer Faq’s Video Part 2

A structured settlement is usually an out of court settlement that is offered to an individual by their insurance firm or a specific company. A structured settlement company handles and organizes the payment schedule. These payment amounts are substantial in size and can last from several short years from your entire life time.

Structured settlement companies are used to help individuals by processing the settlement claims in an effective and efficient way. Generally structured settlements and the law and legal processes around it can be very confusing for someone with no financial background. A structured settlement company will dramatically decrease your litigation costs, thereby saving you money that would have been spent trying to organize the legal details of the structured settlement. With a structured settlement company, because they have so many contacts and have made a name for themselves in their specific financial field, it is beneficial to go through them if you would like to receive a massive lump sum instead of being paid annually or monthly depending on the financial arrangement you made with the specific company.

It can be very difficult to find a suitable, authentic structured settlement loan and therefore, if you are already associated with a structured settlement company they can do this automatically for you. A structured settlement company can also help you with finalizing a transfer of a structured settlement, for instance, if you would like the money to be paid out to your son, wife, husband or friend, then they will organize this quickly and systematically for you. Due to the fact that the terms of each specific settlement is governed by state and federal laws, strong background knowledge in structured settlements will work towards your favor. This is especially important if you do not have the time or the energy to find out about the specific detailing yourself.

A few of the activities that structured settlement companies manage is creating a structured settlement agreement and gaining court approval for this transaction that needs to take place. Again, their working knowledge of structured settlements and their positive and long-standing relationships with insurance companies makes them a viable and affordable option if you would like to get the most money with the least amount of hassle from the structured settlement.

With a structured settlement company, you have a middle man in between you and the company or insurance company paying out the settlement to you. This gives you comfort in knowing that you do not need to handle any claims, disputes or paper work with the insurance company directly. While you might not think this is a big deal, if you do not know your way around the loopholes, paper work and legal issues surrounding structured settlements you can be in trouble or confused on how to handle these sorts of situations. Your company that works for your needs will also organize the structured settlement in such a way that it will directly suit your currently lifestyle.

Having a structured settlement company handle your claim is the smart person’s choice in handling your structured settlements.

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You probably did not have a crystal ball when you agreed to accept a structured settlement; you had no idea what the future held and how it would affect you; your attorney also had no way of knowing. If you could have gotten a glimpse into the future, you may have been less willing to take a payment plan. However, now you have the cards you were dealt and it is time to move forward with the options you have. If you are in a position that you really need cash flow and do not know where to turn, your structured settlement may very well be the answer to your prayers. What you may not realize is a structured settlement is an asset that can be turned in to cash fairly easily.

When you have a structured settlement in place, you may receive payments monthly, quarterly, or perhaps even yearly. These periodic payments are determined when the settlement is set up to provide financial security for you in the future and typically cannot be altered once they are finalized. Unfortunately, these payments may or may not be very substantial and very possibly do not contribute much to your household income. On the other hand, should you decide to sell your structured settlement to acquire a lump sum of money, you could achieve a better financial footing and really move forward as a result. You could pay off old bills or your mortgage, or even fund an investment to better provide for your future. Small periodic payments are very limiting in what you can achieve with them; however, a lump sum of cash may prove to not only be a stress reducer but also a lifesaver. When you find yourself really needing cash flow, look towards your structured settlement; you may just find a surprise awaiting you.

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• I have a structured settlement but I need cash now. What can I do?
• i have a structured settlement and i need cash now?
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Freight bill factoring can be utilized in the following all too common scenario. You suddenly find that your business is in a cash squeeze. You started your small trucking company with five units and a lot of industry experience. Things started out well, with revenues per mile on an upward trend, and an addition of two units the first year. But the expense pressure of higher fuel costs, driver settlements, permits, insurance, and repairs have begun taking its toll. Add to the mix some uncollectable accounts and your margins begin to suffer.

Tightening cash flow even further is the credit you are extending to your customers. Take a look at your accounts receivable aging schedule and you’ll likely see many accounts over 30 days. You are not getting paid for delivering your end of the deal in a timely manner and as a result, you are providing the use of your money to your customer for free. Unfortunately, you can’t defer payroll, fuel, and other expenses for thirty or more days.

Should you adopt a COD payment policy? How about adding a service charge to all accounts over 30 days and vehemently sticking to it? Neither of these solutions is advisable, because you will probably lose customers right and left. You are in a highly competitive industry and other companies would jump at the chance to acquire new customers by offering them the credit that you won’t.

There is a service that can provide a safety net for your company and allows you to convert freight bills into instant cash flow within 24 hours. Better yet, this service only costs pennies on the dollar. This service is called freight bill factoring .

Although not widely known among entrepreneurs, accounts receivable factoring has been a useful financing tool for centuries. Manufacturers, distributors, service providers (such as trucking companies) use factoring to stabilize their cash flow. In 2005, factoring volume exceeded $112 billion, and has grown every year since 1984.

Invoice factoring is the purchase of a company’s accounts receivable at a discount.

THE PROCESS IS SIMPLE:

* Fill out a simple application and include an receivables aging report

* Factoring company reviews the application and determines credit worthiness of the client’s customers

* Letter of intent is given to the client, outlining the proposed advance rate (typically 80%-90% of the invoice), and fee structure (usually from 2%-3% per month depending on several factors)

* Upon acceptance of the terms, a formal contract is executed

* Initial funding can occur within 3-5 days

BENEFITS OF FACTORING

1. Professional collections – Not only will a good factoring company collect receivables in a professional manner. They will also eliminate overhead associated with the collection process which free up your time to run your business.

2. Compliance – A factor that specializes in trucking can provide tools that greatly diminishes the time needed for complying with what seems like an endless list of government rules and regulations

3. Fuel Card – Accepted wherever Fleet One cards are accepted. The factoring facility can be loaded on the card. ATM access and the ability to write checks are definite advantages

4. Unlimited capital – Factoring is the only source of financing that grows with your sales. As sales increase, more cash becomes available for you to use, which allows you to constantly meet demand

5. Take advantage of volume and early payment discounts – With improved cash flow, you will be in a position to take advantage of these discounts which directly effects your bottom line

6. No debt incurred – Factoring is NOT a loan and therefore, you are not incurring any debt. This keeps your balance sheet looking good, thereby making it easier to obtain other types of financing or to sell the company

7. Choose the invoices you wish to factor

8. Factoring is quick and easy – Unlike applying for a loan, there are no extensive documentation requirements and funding can occur in days, not weeks

9. Credit Screening – Professional factors can provide credit investigations for new and existing customers, which will likely lower your bad debt charge-offs

10. No personal guarantees – The company principals do not have to guarantee the repayment of the funding (only against fraud or disputes)

Imagine a scenario where you have the time to devote to developing new business and running your operation more efficiently, rather than worrying how you’re going to pay your bills on time. Invoice factoring can give you that flexibility

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If you’ve watched television or paged through your local newspaper or magazines, somewhere you might have heard of the phrase structured settlement, of course, in most cases, most of us will not know exactly what this phrase is.

When a party has been injured and has a bodily injury claim, an insurance company will make periodic payments to the injured party as part of their claim. So, instead of being paid out a lump sum of amount for the entire claim, this claim will be paid out annually or monthly depending on the arrangement with the insurance company. A structured settlements work out very well for both the insurance company and the person who is actually claiming the amount from the insurance company.

Simply, a structured settlement is simply a financial package that allows the settlement to be paid out over a certain amount of time. The wonderful thing about a structured settlement is that if this amount is paid over a life-time, generally, you will receive more then you would initially have gotten if you had received the lump sum. Each structured settlement is specifically made according to each person’s individual situation. According to the insurance amount, the premiums that you have been paying and the standard of the injury, your structured settlement will generally be based on these constants.

Now, if you are currently in the process of getting or being awarded a structured settlement, there are a few benefits that you should keep in mind that might be worth going through the trouble of getting one.

A structured settlement annuity proves a constant supply of money over an extended period of money, regardless of the economic situation. You can always have the safety net of the annuity which provides you with a sense of security. Extending to this, your structured settlement is tax-free over a specific period of time. Due to the reliability of structured settlements, it is possibly a greater investment then most stocks, bonds and even in these hard times, real estate.

The most important to think of a structured settlement is that it is flexible and can be created in such a way that it can be paid over as many years as you would like security. A structured settlement can also be paid over your entire life-time. In most cases, there is also a clause in the insurance company that states when the beneficiary of the structured settlement has passed away, their spouse or specified relative will get a lump sum payment from the structured settlement as well.

What sort of protection do you get when you receive or buy a structured settlement? They are both protected through the regulation of the Federal and State statutes. In the long run, if you want a safe investment, then it is practical to choose a structured settlement annuity. The tax benefits and the security in having a constant amount being paid into your annual budget is a big positive if you have some extra money to spare.

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Here are some tips on how to select and deal with a structured settlement company:

* Investigate about the structured settlement company. By this we mean you will check with the customer agencies and business bureaus about all the complaints launched and how the issues have been resolved. Here you need to check all online comments and see how Settlement Company conducts its business.

* Find a structured settlement company with good reputation. See that they have an ethical approach towards business.

* See what approach they have for paying the amount for purchased settlements. There are many companies that have ceiling amount policy. Therefore, if you have a big amount settlement, then they will offer you some amount in lump sum and the rest in annual payments. Be sure to check the company’s policy and take the help of a settlement Investment consultant.

* Try to get the structured settlement quotes from various companies. This will help you in getting the highest percentage of money. Only go in for a company, which is reliable.

* A good structured settlement company will offer you with advantages over finance. They will solve your tax concern and will help you to fully understand the details related to structured settlement and large sum payout.

* Read through all the documents and take the help of an attorney. Documents involved include Qualified Assignment, Annuity Application Structured Settlement Agreement, Annuity Policy and Court Order on approval of Minor’s Claim.

For more information on structured settlement company, take a help of an attorney or Internet now.

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Nevada incorporation can provide a great many advantages and protections to your business. When you form an LLC anywhere in the country, you are literally limiting your liability to that of the business, thus protecting your own private, personal assets. However, having a Nevada LLC has additional benefits, include lower fee structures and the absence of a sales tax. Read on and discover all the reasons why you should consider Nevada incorporation.

A Less Expensive Corporate Haven

Both Delaware and Nevada are considered “corporate havens. This means that by incorporating business in one of these states, the business entity is eligible for special privileges, protections and rights that are not always available elsewhere.

The main difference between Delaware and Nevada is cost. Taxes and fees associated with incorporating business are significantly higher in Delaware. On the other hand, the filing fee when you incorporate in Nevada is currently $125. In addition, Nevada incorporation means no corporate income tax.

According to the website of the Nevada Secretary of State, a Nevada LLC is not assessed many of the taxes that those who incorporate online in other states may be assessed. These include franchise taxes as well as unitary and estate taxes, should you choose to transfer the business to heirs.

Another reason for incorporating in Nevada is the comparatively low annual fees. If you form an LLC in Delaware, it will cost you a minimum of $380 per year to maintain your charter, and this figure can go much higher as your business expands and revenues increase. Nevada incorporation means that you’ll pay much less each year for such fees.

Nevada incorporation is good for those who have employees as well; the employer payroll tax is a mere 0.7% of gross wages, and you can deduct the cost of employee health insurance as well.

More Control

A business that has Nevada incorporation status can legally issue stock in order to raise capital as well as for the purchase of personal property or real estate – or for taking out a lease or option on the same. When your business chooses to incorporate in Nevada, it may hold, sell and transfer shares of its own stock as well.

A Streamlined Legal System

Nevada’s business courts are similar to those in Delaware, offering many of the same protections. Deciding to incorporate business in Nevada is a smart one, because Nevada Business Courts provide excellent case management, active judicial participation in settlements, and predictability. These courts also prioritize such hearings so as to minimize disruptions to the business process.

It’s relatively simple to incorporate business in Nevada, and there are many reputable firms that can provide assistance in the Nevada incorporation process.

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Dental Insurance is a big racket—I don’t say this to offend you. It is a big racket having 32 teeth (Normally!) Still not clear on why do I call it a racket? Well, if you break a cord of the racket, only that cord needs to be replaced; the racket is in tact. Similarly, if you lose a teeth (God forbid), the loss is limited. How expensive the dental treatment is! You give your teeth to the dentist and make payment as well.

Without insurance protection, dental treatment is a difficult proposition. I remember about a real life incident. A health benefit scheme was introduced in a Bank under which actual dental care treatment expenses for Officers were reimbursed in full. The response to the scheme was awesome. Claims for reimbursement of expenses poured in. It almost assumed the form of a racket.

One particular officer tendered bills for reimbursement of expenses, almost daily. One day I asked the dealing Assistant, “What’s wrong with the dental health of this Officer? Is he dentally, medically unfit?” Going by the claims he is submitting and the nature of dental problems descriptions, not only he, his next seven generations need to be declared medically unfit! I added.

This happens with every good scheme, badly implemented. But most of the schemes today are not so good policies and implemented quite effectively by the insurance agents.
As for making the plans, the think tanks in any insurance company are capable of working wonders. The premium structure is so planned, you just don’t realize, how nicely they take out the money from your pocket! After all they have to pay fat salaries to their executives, their fat TA bills, the air-conditioned comfort in the offices and residences, the huge housing loans at negligible rates of interest, the bonuses and incentives, ample number of holidays, travel by air and a lot more expenses.

The normal essential dental plan covers eligible expenses including diagnosis expenses, prevention and treatment expenses, dental cleansing, dentures and fixtures and surgery. You need to study the policy terms and conditions carefully as there are always ifs and buts conditions, and the settlement of the claims depends upon the social ethics of the society/country. The clause “conditions apply” mostly works to the disadvantage of the policyholders.

Someone has compared the insurance business with, “white -collar robbery”. He must be having his valid reasons!

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Selling a structured settlement is more than likely a once in a lifetime event; being awarded such a settlement is not an everyday occurrence and it is improbable that an individual will know the steps to take and the mistakes to avoid when going through the process. Here are three major mistakes you should be aware of and avoid when selling a structured settlement.

#1:Avoid Regret

It is easy when you get caught up in the process and the possibility of receiving a large sum of money to not think things through properly. However, as you are going through this process, it is important to stop yourself and consider if this is the best thing for you. While most people will inevitably say it is, you want to be sure you are not in the minority that will regret their decision later. This not only applies to selling the structured settlement but also what you do with the money you receive from the sale. Do not rush off and spend every dime you receive. Think things through and avoid the pain of regret later.

#2:Be Happy with the Sale

You should also take time during the negotiation process to be sure you are happy with the offer you have been given. Remember – this is a negotiation. If you do not like the offer, you can always say no and go somewhere else. You may very well find that once you say no, the offer gets a little better. Do not get bullied into taking less than you think is fair. The main thing is that you are happy when you walk away from this process.

#3:Familiarize Yourself with the Process

Before selling your structured settlement, you should familiarize yourself with the process a little. You do not have to know every detail of every company, but a broad overview of how things work will give you confidence to negotiate.

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Making self directed IRA investments can potentially allow you to live a well-funded long and happy retirement.  Many people believe that IRA permitted investments are limited to stocks, bonds and bank certificates of deposit.  You actually have many other options.

The first step to make self directed IRA investments is to find the right custodian.  The fees charged and the options offered vary greatly.  The latest advertising gimmick is to offer free set-up, but per transaction and other fees are so high, you end up paying more than you earn.

The best choice, in most cases, is a company that charges an annual maintenance fee and a reasonable set-up fee, with no per transaction fees.  Once you have found the right custodian, you may want to get a little investment education.

First, you want to learn about the IRA permitted investments under the tax code.  Hopefully, the company that you chose offers all of them.

You can invest in commercial or residential real estate.  You can hold mortgage notes.  You can buy out accounts receivables and structured settlements.  You can invest in private, as well as, publicly traded stock, as long as you are not a majority stockholder in the company. 

The complete list of options is very long.  You may want to investigate each one of them and choose the ones that are right for your “risk taking” ability, as well as their potential profitability.

You should also learn which things are not IRA permitted investments.  The list is a bit shorter.  It includes antiquities, jewels, collectibles, artwork and personal items, such as fur coats.  Life insurance is another option that is not allowed.

Basically, congress wanted your self directed IRA investments to be easy to liquidate, in the event of your death, disability or retirement.  While a stamp collection could be very valuable, it could be very hard to find a buyer. 

People sometimes wait years to find someone to buy a collection, intact.  You don’t want your beneficiaries to wait that long and you can’t afford to wait, once you begin taking qualified disbursements.

If you want to include real estate in your self directed IRA investments, you will need to learn a few rules.  You cannot sell your home to the account.  The account cannot hold deed to a house that your parents or children live in.

The account itself is protected from your creditors, so if you had to declare bankruptcy, for example, you could not use the account to protect your personal wealth.  The account can take out a mortgage, but only the property can be used as collateral, not the account itself. 

There are many other rules to learn and you may also want to consult some experienced investors.  The IRA permitted investments are not without risk.  Only CDs and government bonds are guaranteed, but the rate of returns is so low that they are unlikely to keep up with inflation.

Experienced investors may be able to help you find the best self directed IRA investments.  It never hurts to get some good advice. 

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Personal property can be described as the contents in a home or business. This coverage is very affordable for renters, and should be purchased without exception. For homeowners, it is part of your homeowners policy, with specific coverage amounts determined and stated under the personal property category.

The easiest way to visualize it is to think of taking the roof off and turning the building upside down. Everything that falls out is personal property. Therefore, built-in cabinets, appliances, desks and bookshelves are not personal property. Carpet, wood and tile flooring, window treatments and light fixtures are not personal property. These are items that are considered part of the structure and are not considered when determining the dollar amount you need to insure your personal property.

Another way to describe personal property is what you’d take with you if you move. Whether you are a renter, homeowner or business owner, it is very important to be aware of the limits of your personal property insurance coverage.

There are specific limits to your insurance policy regarding assets in your home or business. You should be aware of these limits and discuss your specific needs with a qualified insurance agent. Every insurance company designates their limits for specific items. Here are a few items, with common limit amounts:

- Jewelry:  $1000-$3000

- Guns:  $1000-$3000

- Silverware:  $1000-$3000

- Business Personal Property:  $1000-$2500

- Sports/Stamp Collections: $1000-$2500

- Money:  $200-$500

These numbers are not per piece, but the full amount allowed. So, if you have a diamond engagement ring that is valued at $3000, and that’s the limit on your policy, you will have maxed out your entire coverage for all jewelry with just that one ring. If your policy has a $1000 limit, based on the example of a $3000 ring, you’ll only receive $1000 toward a replacement. Take a look at your jewelry armoire or jewelry box. How many pair of earrings do you have that are considered costume jewelry? You can easily exceed $1000 with 5 pieces of jewelry from Sears!

Original, irreplaceable fine art and collectables are items that could easily exceed their limit. To be sure you’ll receive full settlement, have them appraised and listed on your policy to ensure you’ll receive full replacement value at the time of the loss.

Have you inherited your grandmother’s fine silver? Do you know the value? How about guns? Just one rifle could exceed your policy limit!

If you have assets that exceed the specific limit in your standard homeowner’s policy, you will need to purchase additional coverage. The cost is minimal when you consider how much you stand to lose.

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