Although the economy has slowly recovered since 2010, there is still a long way to go before the unemployment rate is back to where it was prior to the 2007 recession. Prior to the recession, the national unemployment rate was about 5%. By late 2009, the unemployment rate had risen as high as 10%. In [...]
If you are like a great majority of Americans, you are most likely strapped for cash. Hurting for money can mean you cannot go out to eat as often as you would like, but it could also mean that you cannot pay your rent or your utilities. Luckily there is a quick and convenient way [...]
Have you won the lottery? If you are like many people around the plant, you dream of winning a big lottery jackpot. Experts say that the most common form of gambling around the world is the lottery. The problem is that most lotteries do not pay it all at once. For instance, the Mega Millions jackpot pays out one big check and then follows that with 29 annual lottery payments. If that does not work for you, you can look into selling lottery payments to your cash when you need it. You do have to explain your decision to a judge and they will need a good reason to approve the sale.
Here are some of the good reasons to sell your lottery payments.
- You want to avoid bankruptcy. Bankruptcy is a big problem for many people around the United States. In Febru (more…)
Do you wish you could take charge of your debt, but it feels next to impossible? If so, you are in good company. The average American household has $15,355 debt to credit card companies, and another $129,579 in debt from school loans, medical bills, car notes, and so on. A large majority of American families live paycheck to paycheck — in fact, only about one-half of American households have enough cash on hand (or liquid assets that could be drawn on a moment’s notice) to support them for three months.
Times are tough for all of us, the cost of living is rising faster than the average household income. It’s difficult to take charge of your debt when you don’t even have enough in your bank acco (more…)
There often come those times where you might yourself staring at a situation where your finances are not what you expect them to be. Financial emergencies sometimes crop up even in spite of the best laid plans, and being ready for them is not always possible. You might not have enough savings, or might run into sudden expenses that sap away at your ability to meet these emergencies. In fact, one of the worst things that can happen is that you run into such a situation just when you are looking to make some concrete plans about the future, which require a healthy inflow of cash. In such a scenario, people are likely to find themselves at a loss, but there is a way out.
If you have, in the past, won the lottery or got yourself a financial award as a result of the outcome of a lawsuit, it is likely that you are (more…)
Almost everyone dreams at one point of everything they would do if they were to win the lottery. You might have even imagined the exactly look and location of the house that you would buy. You probably already have your dream car picked out. You may have even gone as far as deciding who out of your family and friends you would help out financially. However, many lottery winners have found that easily dividing their winnings is not as easy as they had imagined. When the lottery commission advertises the large amount of money that you could win, you never receive all of this money, and you never receive it all at once.
Some lottery winners may be forced to split the winnings with another lottery winner. In addition to the divided lottery winnings, the government and your state will take a large amount off t (more…)
Have you been debt for a long time and would want very much to pay everything off and get your credit score back to where it should be? Have you thought about starting a business, only to hold things off due to the lack of seed capital in your possession? Have you held off on buying that dream car, getting that dream education or going for that dream vacation? Finances are not always under our control, and often, things can can drop below the red line. People routinely struggle to deal with financial contingencies, and the results are not always what you expect. If you have recently been awarded a structured settlement or annuity payment after winning the lottery or a court case, however, things might change dramatically for you.
You might be wondering how being awarded an annuity c (more…)
You were injured in an auto accident. The auto accident was not your fault, yet you suffered injuries and many medical costs. You even have to take a lot of time off of work to heal. The insurance company of the other driver paid for your original medical costs, but you continue to rack them up. You also continue to have difficulty working regularly. You hire a lawyer and you take the insurance company to court. You are offered a settlement that will cover all of your medical expenses now and in the future. You will receive enough money to cover your pain and suffering. You will have the ability to take an extended time off of work to properly and fully heal. That is, until you learn that your lawsuit settlement will only be paid out in small, monthly payments. These monthly payments are hardly even enough (more…)
When looking to invest many people look for an investment that provides a guaranteed return on investment. There aren’t many options that can provide that, therefore many people are left asking themselves “should I invest in property and what are the advantages of investing in property?” The real estate industry is a booming business, and according to the IBIS it is worth approximately $945 billion in the U.S., with an estimated 4,308,177 people employed in it. There are over two billion commercial real estate businesses in the United States, meaning it only makes sense to invest in a strong industry. Listed below are other advantages associated with investing in commercial or real estate (more…)
Business valuation, whether you’re part of a multimillion-dollar company or a small startup, is an important part of business. Based on economic analysis, the financial information determined by a successful large or small business valuation software can provide a company key information to better improve their business before a potential sale.
The first two things each company should do before they get their business valued are determine the actual reason why you need your company valued, and gather all the necessary documents and information, including income statements and balance sheets. Typically, three to five years of income statements and balance sheet (more…)
Learning a small business valuation formula can enable a small business owner to accurately understand the current value of their business as well as their potential for growth. As the old saying goes, knowledge is power. Understanding small business valuation will allow small business owners to pursue rapid growth with confidence.
Rapid growth may mean seeking out investors, applying for bank loans, or growing their business organically by aligning with the right people and services. One essential service that all small business owners need is a financial institution that will protect their interests and guide them in the right di (more…)
Winning the lottery is a dream of many Americans. Many Americans have wondered at one time or another what they would do if they were to win the lottery. They have even planned what they would purchase, what bills and debt they would pay off and who of their family and friends, they would help. This is a common dream, and although many people do actually win the lottery, many are left with structured payments in lieu of that lump sum amount of lottery winnings that they had dreamed of. You might be wondering what the benefits of the lump sum versus annuity are and you are probably asking yourself, can I sell my annuity? The answers are there are many benefits and, yes, you can sell your annuity.
Most times, when you win the lottery, you do not even get a choice of a lump sum versus annuity (more…)
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Have you won the lottery? If you are like many people around the plant, you dream of winning a big lottery jackpot. Experts say that the most common form of gambling around the world is the lottery. The problem is that most lotteries do not pay it all at once. For instance, the Mega Millions [...]
Do you wish you could take charge of your debt, but it feels next to impossible? If so, you are in good company. The average American household has $15,355 debt to credit card companies, and another $129,579 in debt from school loans, medical bills, car notes, and so on. A large majority of American families [...]
There often come those times where you might yourself staring at a situation where your finances are not what you expect them to be. Financial emergencies sometimes crop up even in spite of the best laid plans, and being ready for them is not always possible. You might not have enough savings, or might run [...]