Daily Archives April 23, 2015

What is a Structured Settlement

What is a Structured Settlement

by: Amit Laufer

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.
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 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.
(c) Copyrights 2005 – http://annuity-structured-settlements.blogspot.com/

About The Author

Amit Laufer

Age: 46

Location: New York, United States

MBA – International Trade & Finance – Heriot-Watt University.

Bsc. Computers and Information Systems – Long Island University – C.W Post Campus.

Hobby: Photography

Married with two Children.

Editor of: http://annuity-stru...

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How to Talk to the Police if Your Suspected of a C

How to Talk to the Police if Your Suspected of a Crime

by: Susan Chana Lask, Esq.

If you’re suspected of a crime, the police can come to your house or work or find you on the street to talk to you. Usually it will be a detective in plain clothes in an unmarked car who will want to talk to you. You might find a card from the detective under your door, or a message on your phone from him asking you to call.
You always have the right to remain silent, as anything you say to a police detective will be used against you in court. You also have the right to be represented by an attorney when talking with the police.
Just because a detective comes around looking for you doesn’t mean you have to speak to him or see him at the police precinct. If the detective is at your door, you don’t have to open it for him unless he has a warrant. If a detective is knocking at your door, you don’t have to answer. You can wait until he leaves if you want and then of course call your attorney.
Usually, a detective will hound you to come into the precinct headquarters to “talk”. But once you set foot into the precinct, the detective will have you at his mercy, where he can use different routines – such as “good cop/bad cop” – or violate your rights just enough to be “legal” to get you to talk. Maybe he’ll take your backpack from you or other property you came in with like your cell phone, then direct you to wait for him, leaving you alone in a room for what could feel like a lifetime. He may even ask you to write your version of the story down and then use that against you later.
The police are experts trained in gaining your trust and confidence. They know what to say and what tone to use with you. They will lie and misinform you to get information they want...

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How To Win Your Case For Social Security Disabilit

How To Win Your Case For Social Security Disability Benefits If You Suffer From Chronic Fatigue Syndrome and/or Fibromyalgia

by: Sheri Abrams

Winning a Social Security Disability case for someone who suffers from Chronic Fatigue Syndrome and/or Fibromyalgia (CFS/FMS) can be very difficult. However, with proper preparation I am often able to win client’s their Social Security Disability benefits. I approach a Chronic Fatigue Syndrome or Fibromyalgia case using the following five factors:
1) Was the Diagnosis of Chronic Fatigue Syndrome or Fibromyalgia Made by a Specialist?
I am always very skeptical on my chances of winning when a person comes to me and is not being treated by a specialist in Chronic Fatigue Syndrome and/or Fibromyalgia. I usually prefer to see that the client is being treated by a Rheumatologist but I have been successful in these type of cases working with an Infectious Disease Specialist and a Neurologist. I feel that the diagnosis of a primary care or internist is not sufficient in this type of case. It is also important, of course, for this doctor to be supportive of his/her patient’s disability case and for me and the client to know this from the beginning of my representation. If a person calls me and does not have a specialist working with him/her, I suggest that they contact a local support group for a referral.
2) Has the Client’s Doctor Eliminated Other Diseases Through Testing Before Diagnosing Him/Her with Chronic Fatigue Syndrome and/or Fibromyalgia?
I feel that to provide validity to the diagnosis of Chronic Fatigue Syndrome and/or Fibromyalgia certain medical tests need to be performed so as to rule out other conditions...

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Make Your Complaint Heard & Get Results

Make Your Complaint Heard & Get Results

by: James H. Dimmitt

At some point in time you will be faced with the need to register a complaint because of a poor product or poor service, or maybe even both !
Here are some tips to make sure that your complaint is NOT ignored.
Keep Your Cool
It’s difficult to do this when you are “mad as all get out” but it’s a key step to making sure you’re complaint gets heard. Act reasonably and politely.
Make the person on the other end of your complaint WANT to help you. Losing your temper can cause the other person to become “defensive” instead of cooperative and helpful.
Identify Yourself
Don’t start out with “what” you are – “I’m a lawyer”, “I’m a doctor”, “I’m a trash collector”. Start out with “who” you are – “My name is Jim”. You want them to see you as a person, not just another problem.
Give them your name and telephone number. This allows the other person to respond more effectively and follow-up with results. Remaining anonymous doesn’t establish the one-on-one relationship you need in order to have your problem resolved.
Be Precise
Have receipts and other records available to assist you in giving an accurate account of your complaint. Give them as many details as you can – the date you made the purchase, the store where you made the purchase orencountered the problem, the name of the salesperson you were working with, etc.
Keep a record of the date, time and name of any person you speak with about your complaint. If they are unable to resolve your complaint immediately, ask when you can reasonably expect a follow-up phone call.
Thank You
End your conversation by thanking them for their help...

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Learn About The Awful Truth And The Hard Facts Abo

Learn About The Awful Truth And The Hard Facts About Drunk Driving Accidents

by: Michael Sanford

One minute your in the bar, having a couple of laughs with someone you just met. The flirting rises as both of you chug down your drinks. As you drink more, you become bolder, so is the other person. Both of you now have a roaring good time. As the night ends, you exchange numbers, say your goodbyes and get to your cars. That’s when the nightcap ends, the likelihood that you’ll end up in a hospital is far greater than the other motorists on the road, and odds are you’ll cause the accident. Drinking and driving never matched, you may never have the chance to dial the number you just got from the person in the bar.
Fact, drunk driving is the leading cause of motor vehicle mishaps all over the world. Fact, motor vehicle accidents is the leading cause of death in the United States for people under the age of 34. Basically, the more you drink the more the likelihood that you will get into an accident if you drive. During holidays, vehicular accidents rise dramatically because of all the drinking and celebration.
Laws have been passed to curb the incidents of drunk driving. Most states have laws that prohibit a person who have been drinking above a certain limit from driving. Most states have a BAC limit of 0.10 percent while some have lowered it to 0.08 percent for drivers 21 and above. Anyone younger shouldn’t even be drinking. BAC (Blood Alcohol Concentration) is the ratio of the alcohol to the blood of the body. BAC is used as the percentage of the amount of alcohol present in every deciliter of blood.
As more alcohol is consumed the risk of getting into a vehicular accident if the person drives grows...

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