Should You Trade Your Structured Settlement For Cash?

Daytime television is full of ads offering viewers cash in exchange for structured settlement payments from lawsuits, lottery payments, annuities, or other sources. Though this sounds like an ideal way to get a lump sum of cash quickly, it might not be the best choice for your situation. Read on to learn more about getting cash for settlement payments.

Consider the Tax Implications

While getting your cash right away can help you put a down payment on a house or pay off high interest debts, it may not be worth it if you will have to pay high interested in the structured settlement when you sell. Charges for selling the settlement can be as high as 10 percent, and the funds may also be subject to federal taxes and penalties.

structured settlements

Do You Have Other Options?

Most financial advisors will recommend against cashing in a structured settlement. However, you should find a professional who is familiar with your situation and finance, and be completely candid with him or her. In some cases, especially for individuals who are not financially solvent, the benefits of cashing out the settlement may outweigh the negative consequences.

A Lengthy Process

While daytime TV promises quick cash from your structured settlement, that’s usually not the case. All situations of this kind must go before a judge, and you must be able to prove that you have a legitimate need for the funds immediately. The judge makes sure that this transaction is in your best interest as well as that of the holder of the settlement. If the judge approves your transaction, it will typically take a few months before you have your hands on the funds.

Complex Choices

Fortunately, selling off your full settlement is not the only option. In some cases, payees are able to sell off just a portion of the structured settlement, receiving the cash they need while potentially minimizing the financial penalties. A lawyer who specializes in this type of transaction can examine your situation and explain all the possibilities to help come to the best solution.

With research and planning, you can make sure that you are able to make the most of your structured settlement, whether in cash or in regular payments.

About This Website

In the increasingly distant past, the National Rifle Association (NRA) largely advocated for policies related to hunting and marksmanship, but today its leaders are defined by unsavory conduct and the advancement of extreme, anti-government ideology. While the NRA innocuously describes itself as the “nation’s oldest civil rights organization,” this portrayal serves only as a smokescreen to mask the fact that the organization is a rogues gallery of the most odious voices in the contemporary Conservative Movement.

One only has to look to the NRA’s leadership to discover that the organization is operated by a group of individuals who promote racism, misogyny, homophobia, anti-immigrant animus, religious bigotry, anti-environmentalism, and insurrectionism. Some active NRA board members have even had close relationships with brutal dictators in outside nations. Put simply, members of the NRA leadership no longer make for polite company.

Moreover, while superficially bipartisan, the NRA is closely aligned with the most extreme elements in the Republican Party and has brought a number of the GOP’s most influential operatives into positions of power within the organization. The GOP and NRA are now locked in a symbiotic relationship where Republican legislators advance the NRA’s extreme agenda while the NRA musters its hardcore supporters to serve as attack dogs for a wide range of conservative causes.

This website shines a light on the background of members of NRA leadership, in large part by allowing them to comment on the issues of the day in their own words. It is intended as a resource for those who cherish moderation, civility and principled advocacy in American politics.

What Are The Benefits of Using Electronic Cigarettes?

Electronic cigarettes are devices that are designed to simulate the experience of smoking a real cigarette. It is shaped like a cigarette and contains a nicotine-based liquid. Electronic cigarettes use an atomizer, which is a device that transforms a liquid into a fine spray. This liquid is vaporized and inhaled. The British Medical Association and American Association of Public Physicians have stated that electronic cigarettes can possibly be an effective tool for smoking sensation.

e-cigarette

Benefits Of Using Electronic Cigarettes

Freedom To Smoke

Smoking is banned in many public places. However, people who choose to use electronic cigarettes will be able to smoke in more places. More and more restaurants, bars and airports are allowing people to use electronic cigarettes.

The main reason that many public places have banned smoking is because of the tar, smoke and ash that is emitted from the cigarette. Water vapor is the only thing that is released when a person smokes electronic cigarettes.

No Smell

Traditional cigarettes are known for their very offensive odor. The odor of cigarettes is another reason that they have been banned in many public places. E-cigarettes are free of bad odor.

No Secondhand Smoke

Secondhand smoke is a health concern. In fact, many health experts believe that inhaling secondhand smoke is just as dangerous as smoking a cigarette. It can increase the risk of heart and respiratory problems. People who smoke electronic cigarettes will not have to worry about secondhand smoke. Water vapor is the only thing that is released from an electronic cigarette.

Your Health

The health effects of electronic cigarettes are still being studied. However, many people have reported that they have felt better physically after switching to electronic cigarettes. The health effects of cigarette smoking are well-known. Traditional cigarettes have been linked to heart disease, high blood pressure and lung cancer.

Save Money

Electronic cigarettes are more expensive than regular cigarettes. However, they can actually help you save money over time. If you smoke regular cigarettes, then you can very easily spend over $2,000 per year on this habit. On the other hand, if you switch to electronic cigarettes, then you can reduce your spending by 50 percent or more.

The Health Benefits of Garcinia Cambogia Extract

Derived from a small, unique pumpkin-shaped fruit from Southeast India and Asia, garcinia cambogia extract is one of the most well-known, highly-praised diet supplements around. In its pure form, the fruit is much to sour for the average palate to tolerate. For this reason, the key ingredient (Hydroxycitric Acid), is extracted from the rind and distributed in capsule form.

garcinia cambogia extract

Key Ingredients

Also known as HCA, Hydroxycitric Acid works on three levels: as a fat burner, appetite suppressant and serotonin booster. It is carefully produced in a laboratory without the use of fillers, binders or stimulants.

Fat Burning

HCA accelerates the body’s fat burning process by converting fat deposits into carbohydrates that are used for energy. This is why garcinia cambogia can promote weight loss without the need to spend countless hours at the gym.

How Serotonin Suppresses the Appetite

HCA promotes the production of serotonin, a neurotransmitter known for alleviating the symptoms of depression and anxiety. When we are feeling stressed, the mind’s natural response is to seek out food for comfort. However, once serotonin levels are boosted, the need to overeat is reversed, leading to natural weight loss.

No Fillers

Manufacturers add fillers to diet supplements for the following reasons: it’s easier and faster to produce, more appealing for children and provides easy-to-swallow coatings. Common fillers include hydrogenated oils and artificial colors. Hydrogenated oils are known for causing heart and nervous system problems, and can prevent essential fatty acids from being absorbed by the body. Shockingly, artificial colors are sometimes derived from coal tar – the same coal tar used in outdoor paints, roofing and sealants. Tar is a carcinogen, and can also cause hyperactivity in children.

No Binders

While garcinia cambogia works as a fat blocker, it doesn’t block out the essential fatty acids needed for healthy digestion, metabolism and brain function. The problem with synthetic binders is that they cause nutritional deficiencies by blocking out essential vitamins found in healthy fatty acids.

No Stimulants

Stimulants are often added to diet supplements to increase energy, while temporarily decreasing the appetite. Caffeine, a common added stimulant, can produce anxiety, high blood pressure and heart palpitations. Caffeine is also highly addictive, which can lead to frustrating withdrawal symptoms such as irritability and fatigue.

Average Weight Loss

When used correctly along with a healthy diet and moderate exercise, the average person will lose 10 to 15 pounds within 30 to 45 days with garcinia cambogia, which is considered healthy weight loss. The key is to take the supplement 30 to 120 minutes prior to meals, with a full glass of water.

Side Effects

To date, there are no known adverse side effects reported in healthy individuals who take garcinia cambogia for weight loss; however, it is not recommended for pregnant women, diabetics, or those diagnosed with Alzheimer’s or other forms of dementia.

If you are tired of weight loss supplements that offer hype but no results, give garcinia cambogia a try. At just $20 to $40 for a month’s supply, for most brands, it is an affordable alternative to pricey packaged diet plans, and safe too. As with any diet plan, it’s always best to consult with your doctor prior to consumption. Even though there are no reported harmful side effects with the use of garcinia cambogia, if you should feel any extreme discomfort, discontinue use of this product immediately.

4 Factors To Consider Before Hiring A Web Designer

With a well-designed website, you can see your business grow, and your customers enjoy viewing your pages. Of course, while this is true, it is not always easy to find an intelligent and hardworking Web designer who will get you the desired results. No, there are so many designers that it is hard to choose the best one for your project. With this in mind, here are four factors to consider before hiring a Web designer.

hiring web designer

Previous work

Above all else, you should look at a few samples. With this, you can see the style and flavor the Web designer uses. More importantly, you can verify the site renders correctly, and no errors occur. To get started with this step, you should only need to ask the designer to provide three or four links to sites he or she built. Then, you should head to the site, check out the work and look for any flaws. When doing this, you can make sure the programmer has the same thoughts and ideas as you do.

Project

Now, when coming up with a plan, you must talk to the designer and let him or her know your idea. During this brief conversation, you must also lay out the result you are expecting, along with a time frame and cost estimate. With this information in your mind, you will have an easier time asking more questions and determining if the budget and time frame are within your desires. While doing this, you should pay attention to the programmer. Hopefully, if he or she cares, they will ask you a lot of questions about the project. Otherwise, if they are quiet, you may want to consider another option.

Long-term management

If you pay someone to make your website, you should think of the long-term. For example, some programmers will make you a site, cash the check and then bounce. Others will want to form long-lasting relationships with their customers, usually at a cost. Other times, if you know how to do basic changes, you should ask the programmer to set up the code in a way that makes this easy.  And there’s always free options to create your own website using services such as WebsiteBuild.  Remember, your website is an ever-changing tool, and you must think of the short and long-term when hiring a designer.

Future browsers in mind

As mentioned, your website is an ever-changing tool that will help your business get to the top. Of course, when realizing this, you will need to ask the designer if he or she makes the site mobile-friendly. With this, visitors will not see pages render poorly. If a programmer does not do this, it is wise for you to consider hiring someone else as more and more people use smartphones to access their favorite websites.

Without a doubt, you must take the time to find a quality designer. When doing so, you can see your site succeed in both the short and long-term. For this reason, when talking to the designer, you should ask these questions and keep these considerations in mind.

PPI Scandal Continues to Unfold: Billions at Stake

Payment Protection Insurance is Britain’s most extensive and most expensive mis-selling scandal. The involved banks and financial institutions have been forced to set aside $22 billion so far, and the amount grows every year. The initial scandal has been compounded by the fact that banks and other lenders often dodge customer requests for compensation.

ppi claims

PPI Scandal

The scandal became known when the group Citizens Advise launched a ‘super-complaint’ in 2006, but it had been reported by the Financial Ombudsman as early as 2001. In 2007, the banks were told they must repay, and regulations were rewritten to stop the practice. Banks retaliated by going to court to stop the claims. In 2011, a court ruling finally made it clear that the banks had no choice but to pay back mis-sold PPI. The Financial Conduct Authority took over from the Financial Services Authority in April 2013, and pressure on lenders has continued.

What is PPI?

Payment protection insurance was sold on a variety of financial products such as loans and credit cards. In many cases, lenders bullied or tricked customers into paying for something they either didn’t need or were already disqualified from using. The result was that many people paid more in interest since their loan or credit card payments often went to pay the PPI premiums. This was a vicious cycle which left some people unable to keep up with their bills. This happened over a ten to fifteen year period of time. In 2009, it became illegal for banks to sell these single PPI policies at all.

PPI Claims Scandal

Most customers have had to be proactive when it comes to getting their money back. According to the Manchester Guardian, the repayment of PPI claims has been uneven, and this is a scandal itself. Some institutions offer money and then delay compensation. Others simply put up roadblocks in the claim-filing process. The Financial Ombudsman website states that it receives about 2,000 new cases a day due to PPI mis-selling. It gets these cases despite the fact that consumers can’t file a case until they have been rejected by their financial institution first! Clearly many consumers are victims of deliberate stall tactics by the offending financial institutions.

PPI Biggest Offenders

Some of Britain’s biggest institutions have been implicated in this fraud. Lloyds has set aside almost £10 billion as of February 2014. Barclays has set aside more than £4 billion. Royal Bank of Scotland has set aside more than £3 billion. HSBC has set aside £1.7 billion.

Who Has a Claim?

If you bought PPI with a financial product, you have claim potential. Perhaps PPI was tacked onto a loan or credit card with little or no consumer choice. You may have been turned down when making a payment protection request, or you may have been misled or bullied into buying PPI.

PPI Claims Filing

PPI claims should be filed as soon as possible. Individuals should gather paperwork and seek independent advise before filing.

Amino Prime Review – Legit Muscle Builder or Just Hype?

Amino XL is a dietary supplement for increasing lean muscle mass and eliminating excess body fat for athletes and bodybuilders. The anti-catabolic amino matrix formula is designed to support muscle growth and repair. The pure essential amino acids and the anti-catabolic glutamine make it highly effective for optimizing the anabolic response.

muscle building

How the Amino Acids Work

The body needs 20 amino acids to be healthy. It only produces 10 of these, and the other 10 need to be derived from the diet. That is why they are called essential amino acids. Of the 10 essential amino acids, one is considered mainly important for children and not adults.

Amino XL contains all nine essential amino acids that will help to synthesize protein. Muscle mass is gained because Amino XL is designed to deliver the proteins for faster absorption.

The drink is made by combining 15g of powder to 200ml of cold water or a hydration drink and mixed well. It should settle for one minute and then be stirred again and drunk during the first 20 minutes of a training session. It can also be taken with other suitable supplements for additional benefits.

How Amino XL Works

A higher level of amino acid concentrations in the blood will make the individual feel full and satisfied. When the person works out or trains, the required energy comes from burning fat, and the elevated level of amino acids are used for muscle building and recovery. No calories will be stored as fat during these periods of muscle growth. This supplement is even more important after strenuous training when muscles require more nutrients.

amino primeSome of the amino acids and other ingredients in Amino XL are:

  • L-Carnitine helps burn fat for more energy
  • L-Glutamine aids the immune system increases synthesis of protein and fast muscle recovery
  • L-Phenylanine is an appetite suppressant
  • L-Leucine for Kerbs Cycle and increased lean muscle mass
  • L-Tryptophan regulates the hormones serotonin and melatonin
  • Citruline Malate boosts power, increases stamina and endurance and reduces lactic acid in the muscles that causes fatigue

It does not contain soy, milk, eggs or whey, so it is suitable for people with food allergies.

What to Expect

Bodybuilders and athletes are working hard and training to get their bodies in top condition for competition. Amino XL will give the extra boost required to make all the work achieve its full potential. The physique will be transformed and performance will be dramatically altered for the better. The body will assimilate 100 percent of the protein supplements.

Many of the Amino Prime reviews from Bodybuilders who take this supplement say their endurance and overall strength improves from the first time Amino XL is taken.  About 45 minutes after drinking, the extra strength should be noticed. The intensity is considered more than with anabolics. The benefits are:

  • Increased lean muscle mass
  • Reduction in percentage of body fat
  • Recovery time after workout cut in half
  • Longer endurance threshold
  • More energy
  • Better protein synthesis

Amino XL is considered one of the best supplements for increasing lean muscle for bodybuilders and athletes.

What Exactly Is A Psychic Reader

Psychic readers are individuals with a deep connection to the spirit world and possess unique intuition. Most psychic readers are born with innate sensibilities than draw them into the world of spirits. Most psychics can describe their first incident with the world beyond our own. Many describe hearing voices others could not. Some would see visions of people who had passed. Others knew things about their friends and families futures than they could not explain. Some could guess what others were thinking without them ever having to say a word. Psychic abilities usually manifest in childhood and can be quite frightening for children when they emerge. Over time, they learn to use these qualities for the benefit of others

How to become a psychic reader?

While psychic readers are usually born with abilities to contact the spiritual world, they must hone their craft in order to be able to fully utilize it. Meditation and connection are the bread and butter of a psychic. Very adept psychics can contact the spirit world without any prompting from outside forces. In order to hone their skills, psychics need surroundings that lend themselves to the task at hand. This is why many psychics will surround themselves with colors, sounds, and smells that make them feel the most connected with the spirits. Many people see this as flamboyant and unnecessary behavior, but for some psychics it makes as much sense as painting a mural on a baby’s wall. It stimulates their growth.

psychic readings

Is it possible to become a psychic reader if you haven’t always had abilities?

It is true that most psychics are born with supernatural abilities, but some do not develop them until later in life. Sometimes a supernatural incident will occur to someone who has never before experienced it. When this happens, people are usually afraid to do anything about it. However, this kind of psychic reader can be very helpful, even to more skeptical individuals because they can understand them better than life-long psychics. Other times, people who are not born with psychic abilities with hone the skills within themselves. This is possible just as someone who is not born with athletic ability can still learn to play basketball. It may never be as easy, and they may never play as well, but it can still be learned. These kinds of psychics do have a great desire to delve into the world of the supernatural and can be very hard working and genuine.

Why are psychic readers beneficial?

Psychic readers usually evolve their abilities into a career because of their great desire to help others. Their sense of intuition can be extremely helpful to their clients when it comes to helping make decision or find peace after the passing of a loved one. Psychics can tell enough about the future and enough about the past to help in any stage of life. A client who goes for a psychic reading for help with a problem or the need to contact a loved one will usually leave feeling at peace about the situation. Psychics can use their abilities to help people overcome problems too. Their creative intuition can almost always help someone pinpoint areas of their life that they can improve on.