Structured Settlement or a One-Time Lump Sum Payment?

Written by Greg Smith


If you are involved with a legal decision, financial claim or insurance arrangement,repparttar financing process to settle and resolverepparttar 141050 claim can often take two forms. Either a one-time lump sum payment, or a long-term periodic series of deferred structured settlement payments. But which is best for your situation? Learn more at http://www.settlements-i.com/

A structured settlement involves a financial or insurance arrangement which includes a periodic stream of payments, that a claimant or plaintiff accepts in order to resolve a personal injury claim or other legal case. They were first utilized in Canada andrepparttar 141051 United States duringrepparttar 141052 1970s as an alternative to lump sum payments and are now part ofrepparttar 141053 statutory tort law of several common law countries.

A structured settlement is a deferred payment method for compensating injury victims, and is a voluntary agreement betweenrepparttar 141054 injury victim ( plaintiff ) andrepparttar 141055 defendant. The plaintiff will receiverepparttar 141056 monetary payout overrepparttar 141057 course of a number of years through this deferred payment agreement. Under a structured settlement, an injury victim does not receive compensation for their injuries in one lump sum, but rather, they will receive a stream of tax free payments designed to meet future expenses and living needs. This type of compensation method is becoming more popular in a wide variety of legal cases.

Credit Report – Check Yours Regularly…and for Free

Written by Charles Essmeier


Inrepparttar twenty-first century, there are few documents that have a greater impact onrepparttar 141049 lives of Americans then their credit report. Credit rating determines one’s ability to buy a home, a car, or to obtain a credit card or a job. Since these things are important, it is equally important thatrepparttar 141050 information be accurate. The only way to be sure of that is to checkrepparttar 141051 report regularly. Prior to last fall, there were two ways to obtain a copy of your credit report: to pay for one, or to obtain one for free after being denied credit. Thanks torepparttar 141052 Fair Credit Reporting Act passed last year, Americans can now obtain a free copy of their credit report from each ofrepparttar 141053 three credit reporting agencies once a year.

Due to anticipated heavy response torepparttar 141054 offer of free credit reports,repparttar 141055 program has been rolled out in stages. People living inrepparttar 141056 West and Midwest are already eligible to apply for a copy of their report at www.annualcreditreport.com. As of June 1, 2005, those living inrepparttar 141057 Southeast are now eligible, and on September 1, 2005, those living inrepparttar 141058 Northeast will be eligible. All that is required to receive a copy of your credit report is to answer a few simple questions. Since it only takes a few minutes to do, there is really no reason to put off checking your credit report, and you may benefit tremendously by doing so.

The credit score is a single, three digit number that represents an

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