October 5th, 2005
A Structured Settlement is an agreement between a personal injury victim ( a Plaintiff ) and an Insurance company ( the Defendant )to compensate the Plaintiff by the defendant with long term periodic payments instead of a single cash lump sum.
Payments can be tailored to each individual plaintiffs needs, to help meet expenses such as on-going medical and living expenses, education, children needs & support etc’ The fixed annuity payments are tax-free to the claimant, a cost-of-living adjustment (COLA) feature is available, that can help offset the effects of inflation over time, payments can continue as long as the claimant lives thus providing him the maximum benefits.
Structured settlements are encouraged by plaintiffs lawyers, Courts, Insurance companies and the legislators alike as they all agree it is the best solution to all parties involved especially for the claimant.
If you just been injured and need help and advice on how to file a claim, what are the exact forms you need to fill out and how to go about it without it costing you an arm and a leg in legal fees,Let a very experienced paralegal specializing in personal injury claims, guide you with a step by step process and save a bundle of money. Hear what she has to say at: Settle-Your-Own-Injury-Claim.
The annuity can be transformed in part or in full to a cash lump sum via private funds and should be approved by the Court. The funds are most interested to make these deals as they are very profitable to them because they take the long term tax free payments and in exchange pay the annuity holder much less than the face value but in cash.
These same funds are handling Lottery winners long term payments into one single lump sum as well as all kinds services of cash against future payments.
October 5th, 2005
Anyone that enjoys the great outdoors has probably heard of GPS devices. They can come in handy when you are hiking, boating, biking, or doing just about anything else in the great outdoors. Twenty years ago, you had to rely on a compass the position of the sun and stars and your own common sense. Not anymore! Now you can have a handy little device that can pinpoint your exact location at any given time of day.
If you are in the market for a GPS device, it is important that you understand how it works. Since the GPS devices rely on air signals, you must have a GPS receiver and a clear view of the sky for them to work. When your device is turned on it is actually linking up with 27 orbital satellites in place around the planet. Four of the nearest satellites are located and the distance from them to you is calculated via the hand held device. The process is called trilateration. Based on that, the GPS device can determine where you are on the planet. Pretty neat huh?
When you look at the different types of GPS devices out there, you may wonder which one is right for you. Prices can range from $100- 5000 dollars, so it is important to do your homework. Find out what features each device has, and determine whether you need them or not. The following is a list of tips to get you started when you are shopping.
- Research the name brand. Though GPS technology is fairly new, the manufacturer should have a long track record of creating quality electronics.
- Don’t buy the cheapest or the most expensive GPS device out there. The cheapest may not meet your expectations and the most expensive one probably has too much extra stuff you will never use.
- Look for a large display, lighted if you are going to be traveling at night.
- If you plan on traveling by foot look for a model that is lightweight, and water resistant.
Once you decide on a model that you are interested in, head over to your local sports supply store. Get prices on the model above and below it for a good range. You can also try to look at auction sites like Ebay.com to find a good deal. If you are lucky enough to find one that is used, make sure to test it out first to make sure that it works properly.
Deciding to buy a GPS system is a personal one, so make sure that you understand the ins and outs of the technology. If you do a variety of different activities a good basic, waterproof model will do the trick. If you have friends or family members that own a GPS system, ask them if they are happy with their purchase. That way you can get an honest opinion on the different brands out there. An online opinion site like epinions.com is also a great place for honest answers.
