Structured Settlements

Structured Settlements

Structured Settlements is an agreement through which an insurance company agrees to pay an individual a predetermined amount of cash for a fixed length of time if the individual meets an accident. Structured Settlements is designed to help the people to get the most money for their structured settlements and annuity payments by matching with the best possible choices of financial institutions.

Structured Settlements Documents

The documents for Structured Settlement include an agreement, a qualified assignment, an annuity application, a court order if a claim is made by a minor and an annuity policy. Structured Settlements is useful for the individuals who need money quickly for a financial emergency or lifestyle change. These reasons may include paying bills, the purchase of a home, children going to college or starting a new business.

With Structured Settlements one can have the control to proceed as they wish with their settlements. It only works with the finest direct funding sources, weeding out expensive brokers and fly-by-night companies.

Steps to get money by Structured Settlements:

• Firstly we need to evaluate what type of structured settlement or annuity we have.
• Secondly package all the information together in a way it will be pleasing to the investor. This deals with several outstanding investors both private and institutional which pay the best prices in the country. This will give more than 3 quotes and makes us decide which terms and financial offers best suit for our needs.
• Lastly if we would decide to accept an offer, it takes from 2 to 3 months due to the paperwork and court processes involved.

Structured Settlements also includes assisting with the paperwork when we sell annuity payments. The qualified representative will review the specific needs and match us with one of our select partners who can help us in giving much cash for your structured settlement. The information which we give must be confidential as it will not be shared by anyone outsiders. The funding company commences payment after acknowledging the assignment and receiving a court order. The payments starts after we receive the receipt from court orders.

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WHAT IS SHORT SELLING?

WHAT IS SHORT SELLING?

Short selling is the selling of a stock that the seller doesn't own. More specifically, a short sale is the sale of a security that isn't owned by the seller, but that is promised to be delivered. That may sound confusing, but it's actually a simple concept.


When you short sell a stock, your broker will lend it to you. The stock will come from the brokerage's own inventory, from another one of the firm's customers, or from another brokerage firm. The shares are sold and the proceeds are credited to your account. Sooner or later you must "close" the short by buying back the same number of shares (called covering) and returning them to your broker. If the price drops, you can buy back the stock at the lower price and make a profit on the difference. If the price of the stock rises, you have to buy it back at the higher price, and you lose money.

Most of the time, you can hold a short for as long as you want. However, you can be forced to cover if the lender wants back the stock you borrowed. Brokerages can't sell what they don't have, and so yours will either have to come up with new shares to borrow, or you'll have to cover. This is known as being called away. It doesn't happen often, but is possible if many investors are selling a particular security short.

Since you don't own the stock (you borrowed and then sold it), you must pay the lender of the stock any dividends or rights declared during the course of the loan. If the stock splits during the course of your short, you'll owe twice the number of shares at half the price.

Also, because you are being loaned the stock, you are buying on margin. In fact, you have to open a margin account to short stocks.

EXAMPLE:

BORROWED 100 SHARES AT $10 EACH = $1000(SHORT SELL)
BOUGHT BACK 100 SHARES AT $7 EACH = $700(BUY TO COVER)
PROFIT = $300

BORROWED 100 SHARES AT $10 EACH = $1000(SHORT SELL)
BOUGHT BACK 100 SHARES AT $15 EACH = 1500(BUY TO COVER)
LOSS = $500

The credit for this article goes to www.investopedia.com

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