Value of Future Payments http://valueoffuturepayments.com Future Payments Value Advice Sat, 13 Mar 2010 16:36:04 +0000 http://wordpress.org/?v=2.9.2 en hourly 1 As an Insurance Agent what is the best types of insurance to sell Life, Health, Annuity, from your experience? http://valueoffuturepayments.com/as-an-insurance-agent-what-is-the-best-types-of-insurance-to-sell-life-health-annuity-from-your-experience http://valueoffuturepayments.com/as-an-insurance-agent-what-is-the-best-types-of-insurance-to-sell-life-health-annuity-from-your-experience#comments Sat, 13 Mar 2010 16:36:04 +0000 Editor http://valueoffuturepayments.com/as-an-insurance-agent-what-is-the-best-types-of-insurance-to-sell-life-health-annuity-from-your-experience

Hi, I am about to get licensed to sell insurance. I was wondering what types of insurances are the best to sell as an agent.

I was thinking about focusing on only Life and Annuities but then again I was just going to sell all 3.... Life, Heath, and Annuities?

Can I really make good money at this? Perhaps a 6 figure?

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]]> http://valueoffuturepayments.com/as-an-insurance-agent-what-is-the-best-types-of-insurance-to-sell-life-health-annuity-from-your-experience/feed 3 How can banks get away with applying extra principal payments to future payments not yet due? http://valueoffuturepayments.com/how-can-banks-get-away-with-applying-extra-principal-payments-to-future-payments-not-yet-due http://valueoffuturepayments.com/how-can-banks-get-away-with-applying-extra-principal-payments-to-future-payments-not-yet-due#comments Sat, 13 Mar 2010 16:36:01 +0000 Editor http://valueoffuturepayments.com/how-can-banks-get-away-with-applying-extra-principal-payments-to-future-payments-not-yet-due

This is happening to me and several friends. Payments made to principal on a current loan get applied to future payments instead of going to principal. This way the bank not only has your money but is charging you interest on the loan. If you call the bank they say they can't do anything about it once it gets into the computer. This has happened with my credit union and several friends banks. They are all different companies.

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]]> http://valueoffuturepayments.com/how-can-banks-get-away-with-applying-extra-principal-payments-to-future-payments-not-yet-due/feed 3 The future value of an annuity assumes that the payments are received at the end of the year and that the last? http://valueoffuturepayments.com/the-future-value-of-an-annuity-assumes-that-the-payments-are-received-at-the-end-of-the-year-and-that-the-last http://valueoffuturepayments.com/the-future-value-of-an-annuity-assumes-that-the-payments-are-received-at-the-end-of-the-year-and-that-the-last#comments Sat, 13 Mar 2010 15:35:42 +0000 Editor http://valueoffuturepayments.com/the-future-value-of-an-annuity-assumes-that-the-payments-are-received-at-the-end-of-the-year-and-that-the-last

The future value of an annuity assumes that the payments are received at the end of the year and that the last payment does not compound.
a)False
b) True

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]]> http://valueoffuturepayments.com/the-future-value-of-an-annuity-assumes-that-the-payments-are-received-at-the-end-of-the-year-and-that-the-last/feed 2 Structured settlement? http://valueoffuturepayments.com/structured-settlement http://valueoffuturepayments.com/structured-settlement#comments Sat, 13 Mar 2010 12:38:31 +0000 Editor http://valueoffuturepayments.com/structured-settlement

Can someone please tell me more about Structured settlement,any info will help.
Thank you.

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]]> http://valueoffuturepayments.com/structured-settlement/feed 3 How can I sell my annuity for cash value.The contract was totaly paid last year and is availble for 20 years ? http://valueoffuturepayments.com/how-can-i-sell-my-annuity-for-cash-value-the-contract-was-totaly-paid-last-year-and-is-availble-for-20-years http://valueoffuturepayments.com/how-can-i-sell-my-annuity-for-cash-value-the-contract-was-totaly-paid-last-year-and-is-availble-for-20-years#comments Sat, 13 Mar 2010 11:36:18 +0000 Editor http://valueoffuturepayments.com/how-can-i-sell-my-annuity-for-cash-value-the-contract-was-totaly-paid-last-year-and-is-availble-for-20-years

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]]> http://valueoffuturepayments.com/how-can-i-sell-my-annuity-for-cash-value-the-contract-was-totaly-paid-last-year-and-is-availble-for-20-years/feed 3 Can a debt buyer legally agree not to sell an account in writing if you’re make monthly payments? http://valueoffuturepayments.com/can-a-debt-buyer-legally-agree-not-to-sell-an-account-in-writing-if-youre-make-monthly-payments http://valueoffuturepayments.com/can-a-debt-buyer-legally-agree-not-to-sell-an-account-in-writing-if-youre-make-monthly-payments#comments Sat, 13 Mar 2010 10:37:09 +0000 Editor http://valueoffuturepayments.com/can-a-debt-buyer-legally-agree-not-to-sell-an-account-in-writing-if-youre-make-monthly-payments

A Debt Buyer purchased my past due account from the bank, and offered me a settlement agreement to pay off 50% of the balance in in 36 months. When I asked if they could put in writing that they wouldn't sell the account as long as I'm making monthly payments, I was told they could not legally do that, because they don't know what the future holds. But they would agree to put in writing how many payments I'm scheduled to make, and that once I've paid off the debt I won't owe anything further to their office, and they would provide me with monthly receipts and the credit bureaus would show that I'm making payments. Is this standard? If so, what happens if the debt buyer goes out of business and I still have a balance?
By the way, since the bank sold this account, after I pay off the debt buyer, can the bank later come after me for money as well, or when they sold the account did that release them of all ownership and rights?

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]]> http://valueoffuturepayments.com/can-a-debt-buyer-legally-agree-not-to-sell-an-account-in-writing-if-youre-make-monthly-payments/feed 2 Can anybody help me with this data structure problem? http://valueoffuturepayments.com/can-anybody-help-me-with-this-data-structure-problem http://valueoffuturepayments.com/can-anybody-help-me-with-this-data-structure-problem#comments Sat, 13 Mar 2010 08:35:56 +0000 Editor http://valueoffuturepayments.com/can-anybody-help-me-with-this-data-structure-problem

The Resort Real Estate Company (RREC) specializes in the rental, sale, and most importantly the maintenance of exotic time share properties. This means that there are multiple owners (or repeating groups) for the same property. A recent law suit was filed against RREC because properties were being poorly maintained. As a result, RREC developed various maintenance fee charges for each type of property. The legal settlement requires RREC to keep track of the maintenance fees and maintenance fee payments made by owners for each property.

You are given the following data structure and are required to normalize this into third-normal-form. (You are required to explain each step in transforming this data structure).

RREC(Property_ID, Property_name, Address, City, State, Unit_no (Owner_name, Owner_phone (Property_type, Property_features (Maintenance_fee_charged (Maintenance_fee_paid, Paid_amount, Paid_Date, Check_no)))))

Links: Normalization Review, wikipedia

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]]> http://valueoffuturepayments.com/can-anybody-help-me-with-this-data-structure-problem/feed 1 Will the government buy out my military structured settlement? http://valueoffuturepayments.com/will-the-government-buy-out-my-military-structured-settlement http://valueoffuturepayments.com/will-the-government-buy-out-my-military-structured-settlement#comments Sat, 13 Mar 2010 07:36:17 +0000 Editor http://valueoffuturepayments.com/will-the-government-buy-out-my-military-structured-settlement

I was injured in the army in 1998 and have been recieving a monthly settlement ever since. Does anyone know if the government will just buy me out?

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]]> http://valueoffuturepayments.com/will-the-government-buy-out-my-military-structured-settlement/feed 1 How do I sell my new designer clothes to shops and dealing with them in the future? http://valueoffuturepayments.com/how-do-i-sell-my-new-designer-clothes-to-shops-and-dealing-with-them-in-the-future http://valueoffuturepayments.com/how-do-i-sell-my-new-designer-clothes-to-shops-and-dealing-with-them-in-the-future#comments Sat, 13 Mar 2010 03:57:17 +0000 Editor http://valueoffuturepayments.com/how-do-i-sell-my-new-designer-clothes-to-shops-and-dealing-with-them-in-the-future

I am a clothes designer and produce my clothes in Sri Lanka. I wish to sell my clothes here in the local market. I would appreciate any advice on how to sell the clothes to shops and then collecting the cheques from the sales they make. However, from past experience they never give full payment of sold clothes until we collect all stock from the shop, how do I over come this problem?

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]]> http://valueoffuturepayments.com/how-do-i-sell-my-new-designer-clothes-to-shops-and-dealing-with-them-in-the-future/feed 4 Selling an annuity payment? http://valueoffuturepayments.com/selling-an-annuity-payment http://valueoffuturepayments.com/selling-an-annuity-payment#comments Sat, 13 Mar 2010 01:36:46 +0000 Editor http://valueoffuturepayments.com/selling-an-annuity-payment

i was in a accident when i was a child and i ended up getting a insurance settlement from symetra financial i was thinking about selling one of my payments that is due in 2017 the amount due is 93,000 but they only are offering me 33500 i calculated the present value with the fed rate at 3.60 and the present value is 69,467.03 is there a way i can get that amount? since the 93,000 is guaranteed

also he guaranteed me that i could buy a condo... im in the miami area only problem is im only 21 and make less than 7000 per year. and i have bad credit. i dont see how i would be approved

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]]> http://valueoffuturepayments.com/selling-an-annuity-payment/feed 2 True or False: A rise in interest rates decreases the present value of future payments.? http://valueoffuturepayments.com/true-or-false-a-rise-in-interest-rates-decreases-the-present-value-of-future-payments http://valueoffuturepayments.com/true-or-false-a-rise-in-interest-rates-decreases-the-present-value-of-future-payments#comments Fri, 12 Mar 2010 16:55:36 +0000 Editor http://valueoffuturepayments.com/true-or-false-a-rise-in-interest-rates-decreases-the-present-value-of-future-payments

True
or
False

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]]> http://valueoffuturepayments.com/true-or-false-a-rise-in-interest-rates-decreases-the-present-value-of-future-payments/feed 3 Structured Settlements: Alternative Approach to the Settling of Claims http://valueoffuturepayments.com/structured-settlements-alternative-approach-to-the-settling-of-claims http://valueoffuturepayments.com/structured-settlements-alternative-approach-to-the-settling-of-claims#comments Fri, 12 Mar 2010 08:36:27 +0000 Editor http://valueoffuturepayments.com/structured-settlements-alternative-approach-to-the-settling-of-claims

Buy Cheap Structured Settlements: Alternative Approach to the Settling of Claims

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]]> http://valueoffuturepayments.com/structured-settlements-alternative-approach-to-the-settling-of-claims/feed 2 who is making money in the life settlement market and how?? http://valueoffuturepayments.com/who-is-making-money-in-the-life-settlement-market-and-how http://valueoffuturepayments.com/who-is-making-money-in-the-life-settlement-market-and-how#comments Fri, 12 Mar 2010 08:36:26 +0000 Editor http://valueoffuturepayments.com/who-is-making-money-in-the-life-settlement-market-and-how

I understand the the life settlement/viatical industry started out
when aids caused those afflicted with the condition to sell their
life insurance policies to either use or enjoy a percentage of the
death benefit while still alive.
and since convenience always has a cost--people like warren
buffet and others with vision and available operating capital
would buy large bundles of these policies at a discount and
make a profit upon the death of the policy holder.
the sales by aids patients has leveled off and the sales of
policies initiated by sales organizations in structured format
to take advantage of the mortality tables used by insurance
companies when the sell policies that 85% of policies laps
before death so those that hold a policy the full term get
a much higher return on investment than they would if they
cashed out early. there is money being made on all of these
transactions--who is positioned the best to profit???

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]]> http://valueoffuturepayments.com/who-is-making-money-in-the-life-settlement-market-and-how/feed 3 I have a car accident benefit lawsuit settlement, wonder which method is best:self invest or structure invest? http://valueoffuturepayments.com/i-have-a-car-accident-benefit-lawsuit-settlement-wonder-which-method-is-bestself-invest-or-structure-invest http://valueoffuturepayments.com/i-have-a-car-accident-benefit-lawsuit-settlement-wonder-which-method-is-bestself-invest-or-structure-invest#comments Fri, 12 Mar 2010 08:36:24 +0000 Editor http://valueoffuturepayments.com/i-have-a-car-accident-benefit-lawsuit-settlement-wonder-which-method-is-bestself-invest-or-structure-invest

Quote from FT Markets newdpaper December 27,2006 by Christoper Brown-Humes & Paul J Davies:"strong demand for credit exposure through structured products pushed spreads on credit default swaps to levels much lower than many of the cash bonds on which they are based." I have approx. $300K Canadian and have previously been in the mutual fund industry and do know how to diversify and select bonds, options and stocks globally before the car accident and had bad luck. I take much more conservative view now and yet my lawyer thinks structured is best. The broker offer options plan from straight to other intermitent lump sum of $10K. I look at it is about 3.76% is the rate and they emphasize it is tax free payments and also protected from bankruptcy and divorce. I had one divorce already from the accident and recently had fortune read and this guy claim I will have another wife by 4 yrs time. But my luck is all good from now on. My personal trading have all been smaller profit 3-86% return.

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]]> http://valueoffuturepayments.com/i-have-a-car-accident-benefit-lawsuit-settlement-wonder-which-method-is-bestself-invest-or-structure-invest/feed 1 Where can I trade in my structured settlement for money now? http://valueoffuturepayments.com/where-can-i-trade-in-my-structured-settlement-for-money-now http://valueoffuturepayments.com/where-can-i-trade-in-my-structured-settlement-for-money-now#comments Fri, 12 Mar 2010 08:36:22 +0000 Editor http://valueoffuturepayments.com/where-can-i-trade-in-my-structured-settlement-for-money-now

I really dont want to wait to get paid for what has happenend to me. I would like to get money now instead of waiting like 10 years to start getting paid month by month = (... This is horrible! By the time I can start getting money it wont be worth crap... I will have to wait 20 years until my settlement is completley done with. Does anyone please know of any way I can get my money now or even some of it without loosing lots? Even a bank loan would be great! Thanks in advance!

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]]> http://valueoffuturepayments.com/where-can-i-trade-in-my-structured-settlement-for-money-now/feed 2 If you sell your structured settlement in CA for over $100,000 do you have to pay taxes on it? http://valueoffuturepayments.com/if-you-sell-your-structured-settlement-in-ca-for-over-100000-do-you-have-to-pay-taxes-on-it http://valueoffuturepayments.com/if-you-sell-your-structured-settlement-in-ca-for-over-100000-do-you-have-to-pay-taxes-on-it#comments Fri, 12 Mar 2010 08:36:21 +0000 Editor http://valueoffuturepayments.com/if-you-sell-your-structured-settlement-in-ca-for-over-100000-do-you-have-to-pay-taxes-on-it

I was thinking about selling my structured settlement and was wondering if I would get taxed and if so how much?

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]]> http://valueoffuturepayments.com/if-you-sell-your-structured-settlement-in-ca-for-over-100000-do-you-have-to-pay-taxes-on-it/feed 5 Approx. how much is taken out of your money, if you sell your structured annuity settlement? http://valueoffuturepayments.com/approx-how-much-is-taken-out-of-your-money-if-you-sell-your-structured-annuity-settlement http://valueoffuturepayments.com/approx-how-much-is-taken-out-of-your-money-if-you-sell-your-structured-annuity-settlement#comments Fri, 12 Mar 2010 08:36:19 +0000 Editor http://valueoffuturepayments.com/approx-how-much-is-taken-out-of-your-money-if-you-sell-your-structured-annuity-settlement

I'm looking to sell mine, but just of an average maybe, how much of it would they take as a percent?

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]]> http://valueoffuturepayments.com/approx-how-much-is-taken-out-of-your-money-if-you-sell-your-structured-annuity-settlement/feed 2 Thinking about selling my structured settlement annuity payments for cash – are there any penalties involved? http://valueoffuturepayments.com/thinking-about-selling-my-structured-settlement-annuity-payments-for-cash-are-there-any-penalties-involved http://valueoffuturepayments.com/thinking-about-selling-my-structured-settlement-annuity-payments-for-cash-are-there-any-penalties-involved#comments Fri, 12 Mar 2010 08:36:18 +0000 Editor http://valueoffuturepayments.com/thinking-about-selling-my-structured-settlement-annuity-payments-for-cash-are-there-any-penalties-involved

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]]> http://valueoffuturepayments.com/thinking-about-selling-my-structured-settlement-annuity-payments-for-cash-are-there-any-penalties-involved/feed 5 I bought condo with interest-only payments. Should I sell, refinance, or rent condo to recoup loss? http://valueoffuturepayments.com/i-bought-condo-with-interest-only-payments-should-i-sell-refinance-or-rent-condo-to-recoup-loss http://valueoffuturepayments.com/i-bought-condo-with-interest-only-payments-should-i-sell-refinance-or-rent-condo-to-recoup-loss#comments Fri, 12 Mar 2010 08:36:15 +0000 Editor http://valueoffuturepayments.com/i-bought-condo-with-interest-only-payments-should-i-sell-refinance-or-rent-condo-to-recoup-loss

I'm trying to make the smartest financial move. I bought condo in April 2006. Buying the condo with interest-only payments was not the best move, but I wanted to flip it. However, the market tanked in 2006 and I got stuck with the condo. Yes, I live in the condo. Im living paycheck to paycheck right now. I do have reserve capital saved for a year. The mortgage interest is deductible. Condo is in Florida in a gated community with the best location. 1/1 bed/bath. 626 sq feet. I bought it for 100k. TERMS: Fixed rate at 6.5% on the first mortgage, 80k. $605/monthly. Adjusts after 10 years. 2nd mortgage ARM on 20k. Payments $178 montly. 9%interest.
Thinking of either selling, renting, or refinancing when the market turns around in future. Holding right now. I cant keep making interest-only payments forever! I need an intelligent person to help me make the smartest financial move. I have 9 more years until mortgage adjusts. Should I sell, refinance, or rent in the future? I want to profit $

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]]> http://valueoffuturepayments.com/i-bought-condo-with-interest-only-payments-should-i-sell-refinance-or-rent-condo-to-recoup-loss/feed 5 How to calculate structured settlement quotes? http://valueoffuturepayments.com/how-to-calculate-structured-settlement-quotes http://valueoffuturepayments.com/how-to-calculate-structured-settlement-quotes#comments Fri, 12 Mar 2010 08:36:14 +0000 Editor http://valueoffuturepayments.com/how-to-calculate-structured-settlement-quotes

I very interesting in knowing how places like JGW, and Stonestreet, calculate quotes when purchasing an annuity, or structured settlement.

Anyone here on Yahoo Answers, have any idea?

Thanks for any informative answers!

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]]> http://valueoffuturepayments.com/how-to-calculate-structured-settlement-quotes/feed 1 Future value of random and periodic payments? http://valueoffuturepayments.com/future-value-of-random-and-periodic-payments http://valueoffuturepayments.com/future-value-of-random-and-periodic-payments#comments Fri, 12 Mar 2010 08:36:12 +0000 Editor http://valueoffuturepayments.com/future-value-of-random-and-periodic-payments

Hello, I would like to know the formula for the future value of an annuity, with additional payments of random amounts and periods.

Thanks!

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]]> http://valueoffuturepayments.com/future-value-of-random-and-periodic-payments/feed 1 The Future of Payment Systems http://valueoffuturepayments.com/the-future-of-payment-systems http://valueoffuturepayments.com/the-future-of-payment-systems#comments Fri, 12 Mar 2010 08:36:05 +0000 Editor http://valueoffuturepayments.com/the-future-of-payment-systems

Buy Cheap The Future of Payment Systems

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]]> http://valueoffuturepayments.com/the-future-of-payment-systems/feed 0 Why do mega millions lottery vendors ask you if you want cash or annuity BEFORE you buy the ticket? http://valueoffuturepayments.com/why-do-mega-millions-lottery-vendors-ask-you-if-you-want-cash-or-annuity-before-you-buy-the-ticket http://valueoffuturepayments.com/why-do-mega-millions-lottery-vendors-ask-you-if-you-want-cash-or-annuity-before-you-buy-the-ticket#comments Fri, 12 Mar 2010 08:36:03 +0000 Editor http://valueoffuturepayments.com/why-do-mega-millions-lottery-vendors-ask-you-if-you-want-cash-or-annuity-before-you-buy-the-ticket

What is the point in requiring every ticket buyer (like 20 million twice a week) weather they want cash or annuity in advance of winning. Would it not make more sense just to ask the winner. Do you want cash or annuity?

This has confounded me for years. Anybody know why they established this policy?

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]]> http://valueoffuturepayments.com/why-do-mega-millions-lottery-vendors-ask-you-if-you-want-cash-or-annuity-before-you-buy-the-ticket/feed 4 What is the current value of the future payments? http://valueoffuturepayments.com/what-is-the-current-value-of-the-future-payments http://valueoffuturepayments.com/what-is-the-current-value-of-the-future-payments#comments Thu, 11 Mar 2010 21:33:00 +0000 Editor http://valueoffuturepayments.com/what-is-the-current-value-of-the-future-payments

Jean will receive $8,500 per year for the next 15 years from her trust. If a 7% interest rate is applied, what is the current value of the future payments? Describe how you solved this problem, include which table (for example, present value and future value) was used and why.

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]]> http://valueoffuturepayments.com/what-is-the-current-value-of-the-future-payments/feed 1